Car Insurance in Surat

Surat, known as the vibrant diamond city of India, is rapidly evolving into a bustling urban hub. With its growing population and expanding infrastructure, the number of vehicles on the roads has surged significantly. This increase in traffic has led to frequent congestion, longer commute times, and unfortunately, a higher risk of road accidents. In such a dynamic environment, having reliable car insurance is no longer just an option—it’s a necessity. Car insurance in Surat plays a crucial role in safeguarding not only your vehicle but also your financial well-being in case of unforeseen incidents. Whether it’s a minor dent or a major collision, the right insurance policy ensures you’re protected from unexpected expenses. With IndusInd General Insurance, you can conveniently explore and purchase car insurance online, tailored to your needs. Their comprehensive plans offer coverage against accidents, theft, natural calamities, and more—giving you peace of mind every time you hit the road in Surat.

Why Should You Buy Car Insurance in Surat?

Coverage Against Flooding

Surat often faces waterlogging during heavy monsoons, especially in low-lying areas. Floodwater can damage your car’s engine and electrical systems. With comprehensive car insurance, you’re protected from the high costs of flood-related repairs.

Protection from Accidents

Surat’s roads are busy year-round, with a mix of commercial traffic and personal vehicles. Whether it’s a minor bump or a major collision, car insurance ensures you’re not left paying out of pocket for repairs. Our plans cover accidental damage so you can drive worry-free.

Hassle-Free Cashless Claims

We’ve tied up with 11,000+ garages across India to offer cashless repair services. Whether it’s damage from an accident or a natural disaster, you can get your car fixed without upfront payments. Plus, our Self-i app makes filing claims quick and paperless—just record a video and submit.

24/7 Roadside Assistance

From flat tyres to sudden breakdowns, our 24/7 roadside assistance is always ready to help. Whether you're stuck in traffic or stranded during a downpour, we’ll get you back on the road in no time.

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Traffic Stats in Surat

Surat added thousands of new vehicles in the past year, contributing to rising traffic congestion across the city. With frequent waterlogging during monsoons and a growing number of road accidents, especially in busy zones, car insurance is now more essential than ever. Whether it’s damage from floods or collisions, our plans offer quick claims and roadside support to keep you protected on Surat’s roads.

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Video Claims Feature*

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Key Features and Benefits of IndusInd Car Insurance in Surat

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Key Features	Benefits
Affordable premiums	Premiums start at just ₹238/month.
Online Convenience	Quick and straightforward online processes to buy or renew a policy or file a claim.
High Claim Settlement Ratio	Enjoy a 100% claim settlement ratio for quick and efficient claim settlements.
Cashless Garage Network	We offer a wide network of over 11,000+ cashless garages around India.
Claim Convenience	Choose between reimbursement and cashless claims to suit your needs.
Customisation Flexibility	Explore over 18+ add-ons, including engine protection, tyre security, roadside assistance, etc., to increase your base policy coverage.
Online Discounts	Buy online to enjoy up to 90% off on car insurance premiums.
24/7 Customer Support	Get your queries resolved instantly with our customer support team experts.
Personal Accident Cover	Get up to ₹15 lakhs for vehicle owners or drivers for accidental injuries and death.
No Claim Bonus	Get up to 50% off on car insurance premiums for every consecutive claim-free year.
IndusInd Self-i App	Download our convenient mobile application to buy, renew, or file claims for instant support.
Types of Plans	Choose from a range of car insurance plans to suit your requirements without compromising on budget.

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Features	Features
Premium starting at	Premium starting at

Types of Car Insurance in Surat

Comprehensive Car Insurance

This is the all-in-one protection plan. It covers both your car and any damage caused to others. Ideal for new car owners or families who rely on their vehicle daily. You also get access to 13+ useful add-ons and 3 exclusive EV add-ons to boost your coverage. If you want peace of mind every time you drive through Surat’s traffic, this is the plan for you.

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Pay-As-You-Drive Insurance (PAYD)

Drive less? Pay less! This smart plan charges you based on how much you actually drive—between 2,500 to 15,000 km per year. Perfect for those who use public transport like BRTS for daily commutes and drive only on weekends. Our telematics app tracks your routes in real-time and lets you top-up easily whenever needed.

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Own-Damage Car Insurance (OD)

Already have third-party insurance? Add this to cover your own car. It protects against accidents, theft, and natural disasters. For instance, if your car gets damaged during monsoon flooding near Tapi River, this plan ensures you’re not stuck with a huge repair bill.

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Third-Party Car Insurance (TP)

This is mandatory for every car owner in Surat. It covers damage caused to others—be it people, vehicles, or property. Without it, you could face fines up to ₹4,000 or even jail time. We offer both 1-year and 3-year options, making it our most affordable and essential plan.

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Inclusions & Exclusions

Car Insurance in {Page Name}: Inclusions and Exclusions

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Location - Car Insurance

What is Covered?

Accidents - Covers repair costs when your vehicle gets damaged in road accidents or collisions.

Fire Damage - Covers car repair expenses for fire, explosion or lightning damage.

Natural Disasters - Covers car damage from floods, storms, earthquakes, etc.

Third-Party Claims - Covers damage or injury you cause to others or their property.

Transit Damage - Covers damage while transporting your car by road, rail or air.

Theft Protection - Financial protection against car theft or break-in damage.

Location - Car Insurance

What is Not Covered?

Regular Wear and Tear - You’re covered for repair bills, but coverage of wear & tear of parts is excluded.

Engine Breakdown - Engine-specific failures not associated with accidents will require add-on coverage.

Illegal Activities - We cover all accidents in {Page Name} , but not those from unlawful driving activities.

International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.

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IndusInd Car Insurance Add-On Covers

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Nil Depreciation

Best Seller

Get full claim value without deductions for part wear and tear—ideal for newer cars.

Pay-As-You-Drive

Best Seller

Pay premiums based on actual kilometers driven—perfect for occasional drivers in Surat.

Return to Invoice (RTI)

Best Seller

Receive the full invoice value if your car is stolen or totally damaged.

Engine Protection Cover

Best Seller

Covers engine damage from waterlogging or oil leaks—especially useful during Surat’s monsoons.

Tyre Protection

Best Seller

Covers repair or replacement of tyres damaged by potholes or sharp objects.

Key & Lock Replacement

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Lost your car keys? This add-on covers the cost of replacing keys and locks.

Consumables Cover

Best Seller

Includes engine oil, brake fluid, and other consumables during repairs.

RSA Protection

Best Seller

Get help during breakdowns, flat tyres, or emergencies anywhere in Surat.

24/7 Roadside Assistance

Best Seller

Round-the-clock support for towing, jump-starts, and emergency repairs.

Loss of Personal Belongings

Best Seller

Covers theft or damage of personal items kept inside your car.

Daily Allowance

Best Seller

Receive a daily travel allowance while your car is in the garage for repairs.

EMI Protection

Best Seller

Covers your car loan EMIs if your vehicle is unusable due to damage.

NCB Retention Cover

Best Seller

Keep your No Claim Bonus even after making a claim.

Electrical Accessories

Best Seller

Protects gadgets like music systems, GPS, and other electrical add-ons.

Non-Electrical Accessories

Best Seller

Covers items like seat covers, alloy wheels, and other non-electrical fittings.

Voluntary Protection

Best Seller

Extra coverage for those opting for higher voluntary deductibles.

Electric Vehicle Charger

Best Seller

Covers damage or theft of your home or portable EV charging unit.

Electric Motor Protect

Best Seller

Protects your EV motor from water damage or electrical faults.

Geo Extension Cover

Best Seller

Extends your car insurance coverage beyond India’s borders.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in {Page Name} ?

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Location - Car Insurance

Buy Online

Scroll up to the form on top and enter car details and mobile no. You can use our calculator below to check SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and OTP. Next, select your policy type and the car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and finish the CKYC with your PAN details to receive your car policy.

Location - Car Insurance

Renew Online

Navigate to the form on top of this page of this page and select ‘Renewal’ and begin your car insurance renewal instantly.

Enter your policy number or vehicle registration number.

Check and update the address or other information if required.

Pick new add-ons if you want additional coverage options.

Make payment online and get your policy renewed right away.

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How to File?

How to File a Claim in {Page Name}

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How to File?

Cashless Claim

Step 1

Report the accident or damage through the Self-i app immediately after the incident.

Step 2

A surveyor is automatically assigned based on your location to inspect the damage at the network garage or accident site. To check the list of our cashless network garages near you instantly, use the widget below.

Step 3

You can also use the Self-i app to conduct an online survey with photos and a live video call with the surveyor.

Step 4

Submit documents such as insurance policy, RC book, driving license, FIR and repair estimates.

Step 5

Get the vehicle repaired at a network garage and then we will settle the bills directly with the garage.

Reimbursement Claim

Step 1

Call customer service at 022-48903009 to inform us about the accident or damage to the vehicle.

Step 2

The network team contacts you within 24 hours and allocates a surveyor for damage assessment.

Step 3

The surveyor visits the location to inspect the damage, take photographs and prepare a detailed inspection report.

Step 4

Submit the insurance policy, RC book, driving license, FIR and paid repair estimates for verification.

Step 5

Pay the garage bills first, then submit the paid invoices to us for reimbursement.

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Key Takeaways – Why Car Insurance Matters in Surat

Surat is one of Gujarat’s fastest-growing cities, and with rising vehicle numbers and unpredictable weather, car owners face real risks every day. From bumper-to-bumper traffic on Ring Road to waterlogged streets during monsoon, your car is exposed to both accident and environmental damage.

In fact, dents, bumper damage, and body repairs are among the most common expenses for Surat drivers. Add to that the risk of engine damage from flooding or debris during storms, and it’s clear - robust car insurance isn’t optional, it’s essential.

That’s where IndusInd Car Insurance steps in. With access to 11,000+ cashless garages and 24x7 customer support, you’re never alone. You can file claims, renew policies, and update details—all from your phone using the Self-i app.

Backed by IndusInd General Insurance (formerly IndusInd General Insurance), you get peace of mind knowing your car and finances are protected—no matter what Surat throws your way.

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Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.