Car insurance starting at just ₹238/month*
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Up to 10,500 km per year
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Free 125 Grace Kilometres
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Carry Forward Unused Km
Pay As You Drive Car Insurance
IndusInd Pay-As-You-Drive Car Insurance (formerly Reliance Pay-As-You-Drive Car Insurance) is a unique usage-based cover that ensures you pay only for the kilometres you drive. With this add-on, you pay comparatively lower premiums than regular insurance.
You declare the kilometres you will cover in a year and pay premiums only for those kilometres. We offer a yearly driving limit of 2,500–10,500 km and a 500 km top-up option, so you can easily extend your coverage mid-policy using the IndusInd Insurance app. We also offer a 125 km grace limit* to ensure you don’t abruptly lose coverage if you use up your base driving limit.
For example, if you drive an average of 2,500 km a year. You pay only for the 2,500 km your car drives. It will cost significantly less than standard car insurance. As the first insurance company to introduce this concept, we offer several additional benefits, like the ability to carry forward any unused kilometres to the next year and cashless claims at over 11,000 network garages*.
What is Pay As You Drive Car Insurance?
Pay As You Drive (PAYD) Car Insurance is a mileage-based add-on offered with our standard comprehensive car insurance and own damage (OD) car policy. The own damage premium is calculated based on the number of kilometres driven during the policy period, instead of a fixed amount.
Despite its usage-based pricing, IndusInd Pay-As-You-Drive auto insurance offers all the standard protections of a comprehensive car insurance policy if taken as an add-on with a comprehensive plan, including protection against third-party liability, own damage, theft, and natural disasters. The key difference is how much you pay, as it depends on how much you drive.
Pay As You Drive is a good option for people who do not use their car much but still want full insurance coverage. It’s popular among households with multiple cars, professionals who work close to home, and those who prefer to pay only for actual use.
For instance, the demand for PAYD insurance increased by 25% in 2024, with 3 out of 4 customers renewing their Pay As You Drive plans. They reported that 30% - 50% of customers choose PAYD insurance over other plans.
This is because it allows you to pay based on how much you actually drive, which can lower your premium. It also encourages more thoughtful car use and helps reduce unnecessary driving.
How Does IndusInd Pay As You Drive Car Insurance Work?
When you buy IndusInd Limit Sure - Pay As You Drive, you must select an estimated distance you will drive during the policy year. This estimated distance is called "Available Kilometres" or "Kilometre Limit" and can be set in different slabs, ranging from 2,500 km to 10,500 km*. It can be increased in multiples of 1,000.
Based on your chosen Kilometre Limit, you get a discount on your Own Damage policy. Keep in mind that the lower your Kilometre Limit, the greater the discount you will get. Also, you must declare your current odometer reading when you buy and renew the policy. It will help determine whether you have stayed within the Kilometre Limit or exceeded it.
For example, if your odometer reads 7,000 km when you buy the policy and you choose a 7,500 km limit, it should read 4,500 km or less at the end.
What Happens if You Exceed Your Kilometre Limit?
During The Policy Period
If you are nearing your selected kilometre limit during the policy period, you can buy a top-up. It keeps your pay-as-you-drive car insurance cover active without any break in benefits. You also get a grace limit, which allows you some time to top up the kilometres to your plan.
You do not need to change your plan or pay a penalty. The top-up process is easy and can be done online via our website or the IndusInd Insurance app.
At The Time of Claim
If you exceed your declared usage and do not buy a top-up, your OD claim will be inadmissible under the Pay-As-You-Drive policy. However, you have the option to top up the drive limit before exceeding the limit.
If you miss topping up the drive limit before the grace limit expires, OD cover can be restored for 10% of the annual OD premium. Without it, the OD claims after exceeding the drive limit are inadmissible.
At Renewal
If you have reached or crossed your kilometre limit, it is important to share your updated odometer reading at the time of renewal. Without it, you may not be able to continue with PAYD benefits or receive related discounts.
You can choose a new slab or move to a standard plan. Keeping your reading accurate helps avoid higher premiums and keeps your coverage in line with how much you actually drive.
Impact on Premium Discounts
Exceeding your kilometre limit without topping up may reduce your eligibility for renewal discounts. Consistent overuse signals a mismatch between declared and actual usage, which could lead to higher premiums or fewer benefits in the following year.
Choosing the correct kilometre slab from the start helps maintain cost-efficiency and earn policy rewards during renewals.
Odometer Verification at Key Stages
IndusInd General Insurance may request odometer photos at purchase, during mid-term top-ups, for claims, or at renewal. It ensures accurate tracking of your usage.
Submitting timely and clear odometer readings helps maintain transparency and prevents complications in claim settlement or renewal processing. This step supports fair pricing and builds trust between you and the insurer.
Benefits of PAYD Insurance
Covers Your Car’s Damages
Get full car coverage at a lower cost with our Pay As You Drive add-on. Rest assured with protection from accidents, theft and disasters.
Pay Only for The Kilometres
Choose your yearly distance from 2,500 km, in 1,000 km increments up to 10,000 km, and pay only for the kilometres you select.
Flexible Driving Limits
If you choose 4,500 km but drive only 4,000 km, the extra, unused 500 km can be carried over to the next year upon renewal.
Free Grace Kilometres
Family road trip takes you 30 km over your 8,500 km limit? No problem! You get 125 km free with your plan at no extra cost.
Top Up More Kilometres
If you run out of the Available Kilometres within a year, you can easily purchase a top-up to replenish your exhausted limit.
Comprehensive List of Add-Ons
Enhance your coverage with 13+ add-ons, including nil depreciation, return-to-invoice, including 3 exclusive EV add-ons, with PAYD insurance.
Key Features of IndusInd Pay As You Drive Car Insurance
IndusInd insurance offers ease of choosing a comprehensive car insurance policy with all the benefits, at lower costs when you opt for preferred kilometres. Here are some key features to consider when opting for Pay-As-You-Drive Insurance:
| Features | Description |
|---|---|
Coverage | Any damage to your car, including natural disasters, theft, etc., within the available km limit |
Available Kilometres | 2,500 – 10,500 km per year; increase in multiples of 1,000* |
Grace Kilometres | 125 km |
Top Up Limit | Additional km can be added in multiples of 500 if you exceed your limit. |
Carry Forward Limit | None. Unused kilometres carry forward to the next policy year. |
PA Cover (for Owner-Driver) | Up to ₹15 lakhs. Available Separately and Bundled |
Third-Party Coverage | Available separately or bundled with a comprehensive plan |
Discount | Up to 90%* |
NCB Discount | Up to 50% |
Other Discounts | 2.5% for Anti-Theft Devices + 5% for Recognised Automobile Association Membership |
Network Garages | Available at 11,000+* Cashless Garages |
Easy Odometer Declaration | Upload photo/video of your car’s odometer reading |
Buy/Renew Online | Instant and Paperless via the website or the IndusInd Insurance App |
Disclaimer: Please refer to the official policy documents for detailed information.
Coverage Under IndusInd Pay As You Drive Car Insurance
What is covered? (Inclusions)
Accidents and Collisions: Damage to the car due to road accidents or collisions with other vehicles or property
Third-Party Damages: Since this add-on is with comprehensive insurance, damages to someone’s property, vehicle, or person are covered.
Natural and Man-Made Disasters: Damage due to natural disasters– earthquakes, typhoons, floods, cyclones, thunderstorms, etc., and man-made tragedies such as riots, strikes, etc.
Fire or Explosion: Damage to the insured car from fire or explosion.
Theft: Total car theft with no recovery of the stolen car will be covered under the policy.
What is not covered? (Exclusions)
Depreciation: Depreciation of car parts typically isn't covered, but we do cover it under the nil dep add-on.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your car, you'll need to opt for add-on coverage.
Law Violations: We cover all accidental damage except that arising from law violations.
Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India, you can get our Geo-extension add-on.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here
Who Should Buy IndusInd Pay As You Drive Insurance?
Owners of Multiple Cars
If you own multiple vehicles, you may not use your car as often. In these cases, it’s less expensive to pay for car insurance based on actual usage.
Daily Office Commuters
If your main travel is to and from the office each day, it would add up to a few thousand kilometres a year. PAYD can help you save on premiums.
Public Transport Users
If you prefer commuting through public transport and use your car for infrequent, fun rides, then PAYD is the best choice for you.
IndusInd Pay As You Drive vs Other Car Insurance Plans
Parameters | Pay As You Drive Car Insurance | Third-party Car Insurance | Own Damage Car Insurance |
|---|---|---|---|
Damage to Your Own Vehicle |
| | |
Customise IDV | |||
Customise Kilometre Limit | |||
Damage due to Fire | |||
Damage due to Natural Calamities | |||
Losses Due to Theft | |||
Damage to Third Party |
Get personalised premium rates based on your car usage with the IndusInd Pay As You Drive Car Insurance (Limit Pay Sure). This innovative add-on is ideal for occasional car users, those who work from home, or those who own multiple vehicles. So, if you don’t want to pay a flat rate for car insurance, choose our Pay-as-you-drive car insurance cover!
15+ Add-On Covers Available
Extra covers for enhanced protection
Up to 3 Years Coverage*
Get long and short-term coverage with us
Video Claims Feature on Our App
File quick cashless claims via mobile
24/7 Customer Assistance*
Get support from anywhere in India
Claims Process for IndusInd Pay As You Drive Car Insurance
Cashless
Immediately inform us within 24 hours or log into the Indusind insurance app. to register your claim.
Visit a network garage for repairs. We will send a surveyor to conduct a vehicle inspection to assess the extent of damage.
Submit all your documents and wait for our team's approval of your claims. This can take 7 up to days.
Upon approval of your claim, we settle the bill directly with the garage and drop off your vehicle at your registered address.
Reimbursement
Immediately inform us within 24 hours. You can also log into the Indusind insurance app. for instant claim registration.
Visit any garage of your choice to get your car repaired. Pay the repair bills and keep all bills and receipts.
Register your claim on our website or on the Indusind insurance app. Fill out the claims form and upload it with your other documents.
Upon approval of your claim, we will transfer the claim amount directly to your bank account.
*Disclaimer: Policyholders are still required to pay a mandatory deductible and any voluntary co-payment or deductible amounts for cashless claims before we cover the rest of the claim amount.
Documents Required for IndusInd Pay As You Drive Car Insurance
For Policy Purchase
A copy of the vehicle registration certificate to confirm ownership and vehicle specifications.
A copy of the existing motor insurance policy for renewals or policy continuity checks.
A valid driving licence of the primary driver for eligibility verification.
Identity proof, such as an Aadhaar card or a PAN card, to confirm personal details.
Address proof to ensure correct communication and policy servicing.
Recent photographs of the vehicle to assess its current condition.
Bank account details or a cancelled cheque for premium payments and refunds.
For Claim Settlement
A duly filled and signed claim form to formally initiate the claim process.
A copy of the Pay As You Drive policy document to validate active coverage.
A clear copy of the vehicle registration certificate for ownership verification.
A valid driving licence copy of the person driving at the time of the incident.
Identity and address proof of the policyholder for claim authentication.
A copy of the First Information Report when the incident involves theft or major accidents.
Original repair bills and detailed payment receipts to support the claimed amount.
Disclaimer: This is not an exhaustive list of documents required. You may be asked to provide any additional documents based on your unique circumstances and claim type.
How to Buy Pay As You Drive Insurance Online?
Select PAYD Option
Select 'Pay As You Drive' and other add-ons to enhance coverage.
Check Premium
Enter these details in the calculator below to check your policy price.
Get PAYD Policy
Complete the CKYC process and pay to get your policy via email.
Car insurance starting at just ₹238 per month*!
Drive Less? Pay Less!
With Pay As You Drive, you can keep your premiums low based on actual usage alone! With the kilometres you carry forward, you continue to save with limited-use benefits!
Things to Keep in Mind Before Choosing Pay-As-You-Drive Insurance
Key Takeaways
With the demand for personalised, customer-centric motor insurance, Pay As You Drive insurance is quickly gaining popularity among most car owners in India. This is because Pay As You Drive insurance allows you to pay for premiums based on actual mileage, making it 40%—60% cheaper than regular motor insurance plans.
With IndusInd Limit Sure - Pay As You Drive Car Insurance (formerly known as Reliance Limit Sure - Pay As You Drive Car Insurance), your minimum limit starts at 2,500 km and can be increased in multiples of 1,000*, up to 10,500 km*. For example, since the starting limit is at 2,500 km, you can set your per year driving limits as 3,500 km, 4,500 km, 5,500 km, 6,500 km, etc., up to 10,500 km*.
You also get a 500 km mid-policy top-up and 125 grace kilometres, so you never run out of coverage. Plus, you can also carry forward unused kilometres to the next year. So if your driving limit was 5,500 km for the year and you only used 4,500 km, you can carry forward the excess 1,000 km to the next year on renewal.
Whether you work from home, live close to your office, rely primarily on public transport, are a homemaker or someone who owns multiple cars, you’ll find that IndusInd Pay As You Drive Car Insurance offers comprehensive car insurance coverage at a fraction of the cost!
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