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Motor Insurance - Disclaimer

Disclaimer: Motor insurance is subject to policy terms, exclusions and underwriting guidelines. Premiums and discounts vary based on vehicle details and coverage selected.

Premium: The vehicle insurance premium is paid for the coverage against the risk associated with owning and operating a vehicle, such as accidents, theft or damage. Insurance premiums vary based on the vehicle’s make, model, variant, cubic capacity, geographical location, vehicle age, policy tenure & the IDV of the vehicle. The premium mentioned for car insurance excludes applicable taxes. T&C Apply. 

Discount: The discount depends on factors such as vehicle specifications, age, and geographical location. Discounts are calculated on Basic Own Damage Premium and apply exclusively to the Own Damage component. Additionally, our add-ons such as IndusInd Limit Sure Pay As You Drive & Preferred Network Garage Benefit offer further discounts on the insurance premium. T&C Apply. 

8 Crore+ Policyholders: Figures are applicable to FY 2025–26. The numbers include Health, Personal Accident, Overseas Travel, and Domestic Travel.

Applicable UINs:

IndusInd Private Car Policy - Bundled - IRDAN103RP0001V03202425

IndusInd Private Car Policy - Stand-alone Own Damage - IRDAN103RPMT0004V03202425

“A” Policy for Act Liability Insurance - IRDAN103RP0003V01200102

“A” Policy for Act Liability Insurance (Private Car) - 3 Years - IRDAN103RP0003V01201819

IndusInd Two-Wheeler Package Policy - IRDAN103RP0011V02100001

IndusInd Two-Wheeler Policy (Bundled) - IRDAN103RP0003V04202425

IndusInd Two-Wheeler Policy - Stand-alone Own Damage - IRDAN103RPMT0024V02202425

"A" Policy for Act Liability Insurance (Two Wheeler) – 5 years - IRDAN103RP0004V01201819

Third Party long-term 2 & 3 year Two Wheeler Insurance Policy - IRDAN103RP0009V01201415

IndusInd Commercial Vehicles Package Policy - IRDAN103RP0012V02100001

See Car Insurance Disclaimer for details.

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Frequently Asked Questions (FAQs)

What are the document requirements to make a temporary vehicle registration in Punjab?

You will require the following documents to get a temporary registration for your vehicle: Form 21 for the sales certificate. Form 22 for the Roadworthiness certificate from the manufacturer. Valid Insurance Certificate. Valid Pollution Under Control Certificate (PUC). Proof of Address, including ration card, electricity bill, etc. A customs clearance certificate if your vehicle is imported.

Is it mandatory to carry my original RC while driving in Punjab?

While it is mandatory to have your RC details with you, you don’t necessarily need to carry the original physical certificate. However, in such cases, you must have access to your digital copies through the DigiLocker or mParivahan apps.

How can I renew my vehicle’s certificate of registration in Punjab?

You can apply to renew your certificate of registration in Punjab within 60 days of its expiry. Along with the specified fee, you will need the following documents: Form 25, duly filled and signed Original certificate of registration Pollution under control certificate Valid insurance policy.

What are the different types of vehicle registration done by the Punjab RTO?

The RTO office in Punjab offers temporary and permanent vehicle registration services. You can also get your registration certificate renewed as part of the Punjab RTO online services. In case you need to change your residential address in the certificate or get a duplicate certificate if you lost your original, you can reach out to your nearest RTO office.

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