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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)

How to renew RC in West Bengal?

You just need to follow some simple steps online through the Parivahan portal or by visiting the nearest Regional Transport Office in West Bengal with the required documents to renew your RC.

When is a vehicle fitness certificate mandatory in West Bengal?

Having a valid vehicle fitness certificate is mandatory for all commercial and transport vehicles in West Bengal. It must be renewed periodically as prescribed by the transport rules in the state. Private vehicles generally need fitness checks during registration renewal after 15 years.

What documents are needed for a duplicate RC in West Bengal?

You need to submit an application form, FIR copy, PUC certificate, address proof and prescribed fees to apply for a duplicate RC in West Bengal. You can start the application process online through the Parivahan portal.

Is there any fine for violating traffic rules in West Bengal?

Yes, the RTO of West Bengal enforces strict penalties for violating traffic rules. In case anyone repeats the offence, they are charged with double penalties. The West Bengal motor vehicle registration system keeps a track of violations across different regions. The major fines include: Driving without a license- ₹5000 Overspeeding -₹1000 to ₹4000 DUI- ₹10,000 Missing Insurance - ₹2000 to ₹4000 Using a mobile phone while driving - ₹5000

What happens if road tax is not paid on time?

If you fail to pay road tax within the prescribed time limit, then you will attract fines, penalties and restrictions on vehicle usage. Moreover, if you are a commercial vehicle owner, then unpaid tax can also affect your permit validity and lead to enforcement action.

Is it necessary to update the address change in the RC and the driving license?

Yes, it is important to update your new address in RC and driving license if you shift your residence within or outside West Bengal. You are required to submit the address proof, prescribed forms and applicable fee either online or at the concerned RTO

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