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Car Insurance Renewal Online – Renew Your Car Policy in Minutes
Car insurance policy renewal helps you to extend your coverage for an additional year, also giving you an opportunity to enhance your policy or opt for multi-year coverage. It ensures comprehensive protection on the road against risks like accidents, theft, natural disasters and more.
You can renew your car insurance policy up to 45 days prior to its expiry date. There is also a grace period to extend your car insurance policy, but it requires an inspection of your vehicle to identify any existing damages for the uninsured duration (a maximum 7 grace days available). Extending your policy any time between 45 days before expiry or 7 days after expiry will ensure you not only maintain legal compliance but also retain benefits like the No Claim Bonus (NCB), which can help you save up to 50%* on premiums.
Now you can easily renew your policy online within minutes with IndusInd General Insurance (formerly, Reliance General Insurance). We offer instant online renewals through our website and the Indusind Insurance App, with no paperwork and a transparent car insurance renewal price. Additionally, if you ever need help, our 24/7 customer support is accessible on calls, WhatsApp and BroBot for instant assistance.
What is Car Insurance Renewal?
Car insurance renewal is the process of extending your existing car insurance policy for another term so your vehicle remains legally protected against third-party liabilities and own-damage expenses without any break in coverage.
At the time of renewal, you can also make important updates to your policy, such as switching between third-party and comprehensive cover, adjusting the Insured Declared Value (IDV) based on your car’s current value and adding or removing optional covers like zero depreciation and roadside assistance.
Get 13+ Add-On Covers*
We also offer add-ons for EV cars!
Video Claims Feature*
AI-assisted claims via the IndusInd Insurance app
Up to 3 Years Coverage*
Long and short term insurance coverage
24/7 Customer Assistance*
Get quick support anywhere!
Benefits of Renewing Car Insurance
Continuous Coverage
Renewing your car insurance policy before expiry ensures that your vehicle remains protected at all times. Timely renewals before the due date ensure uninterrupted coverage for accidents, theft, natural and man-made calamities and third-party damage.
Helps Avoid Fines
Driving without valid car insurance is a punishable offence under the Motor Vehicles Act of 1988. Renewing your policy on time helps you stay compliant and avoid fines of up to ₹2,000 - ₹4,000, as well as other penalties, including 3 months in jail and driving licence suspension.
Skip Re-Inspection
Timely auto insurance renewal allows you to avoid vehicle re-inspection, which is time-consuming and may also attract additional premium charges. So, when you renew on time, you can enjoy instant renewal processes and coverage without any gaps.
Up to 50% NCB Discounts
When you renew your policy on time, you can utilise your No Claim Bonus (NCB) to lower your renewal premium. It is a discount offered for not making any claims during the policy term. With this benefit, you can save up to 50%* on your renewal premium.
Why Choose IndusInd Car Insurance ?
Continuous Coverage for Up to 3 Years
Buy once and avoid the hassle of annual renewals. With our 3-year car insurance plans, you stay insured longer without interruptions.
Avoid Annual Premium Hikes
Enjoy a consistent premium rate for the entire policy term and avoid yearly price hikes when you opt for long-term car plans.
Enjoy Discounts on Renewals
Get NCB benefits over the long term and reduce your future premiums. Pair this with our NCB retention add-on for maximum cover!
IndusInd Car Insurance: Key Inclusions and Exclusions
What We Cover?
Accidental and Collisions: We cover repairs if your car gets damaged in collisions or road accidents.
Third-Party Damages: We cover the medical and repair expenses if your car accidentally causes damage to another person or their property.
Natural/Man-made Disasters: Covers damage from natural events like floods, earthquakes and storms. Any man-made damage to your car in riots, strikes, or terrorism is also covered.
Animal/Rodent Damage: Covers damage caused by animals, like rat bites or wild animal attacks.
Theft and Fire Damage: If your car catches fire or is damaged by an explosion, repair or replacement costs are covered. You get paid if your car or its parts are stolen, based on its current market value (IDV).
What We Don’t Cover?
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 for ones that arise due to 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.
Want to upgrade your car insurance policy during renewal?
Talk to our expert advisors
Voluntary Deductible explained
A voluntary deductible is the minimum amount you choose to pay for a claim before the insurance company covers the rest. It’s also a great way to get a discount on your car insurance premiums. The higher your voluntary deductible, the higher your premium discount.
For example, let’s say you’ve bought a car insurance plan with a voluntary deductible of ₹3,000. Now, suppose your car gets damaged in an accident and needs repairs costing ₹10,000. When filing a claim, you will need to pay ₹3,000 of that total amount, and we will cover the remaining ₹7,000.
Voluntary Deductible | Discount |
|---|---|
₹2,500 | 20% on the OD premium of the vehicle, subject to a maximum of Rs 750/- |
₹5,000 | 25% on the OD premium of the vehicle, subject to a maximum of Rs 1500/- |
₹7,500 | 30% on the OD premium of the vehicle, subject to a maximum of Rs 2000/- |
₹15,000 | 35% on the OD premium of the vehicle, subject to a maximum of Rs 2500/- |
Additional Discounts + NCB table
No Claim Bonus Discounts
Number of Claim-Free Years | Discount |
|---|---|
| 20% |
Two Consecutive Claim-Free Years | 25% |
Three Consecutive Claim-Free Years | 35% |
Four Consecutive Claim-Free Years | 45% |
Five Consecutive Claim-Free Years | 50% |
Additional Car Insurance Discounts
Additional Premium Discounts | Discount |
|---|---|
| Premium starting at | Premium starting at |
| Premium starting at | Premium starting at |
Disclaimer: These discount percentages are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.
How to Check Your Car Insurance Renewal Date Online?
Using Our Website
Scroll to the top of this page and click on the login option.
Enter your login details, such as your username and password.
Go to your policy document to check your car insurance validity and renewal date.
You can also tap InstaRenewal on the IndusInd Insurance app to check your renewal date.
You can also download your policy via self-service to know your policy validity.
Using Parivahan Sewa
Visit the Parivahan Sewa website and locate the informational services section.
Select “Know your vehicle details” from the menu.
Enter your mobile number to complete the verification.
Next, enter your vehicle registration number to access your car details.
Click the “Search Vehicle” option to display your vehicle and insurance details.
Car insurance starting at just ₹238 per month*!
Drive Into Another Year With Confidence!
Don't let your car insurance coverage take a backseat! We offer the option to upgrade your car insurance coverage on renewals, so you always have enough coverage.
How to Renew Your Car Insurance Policy Online?
Enter Details
Enter your policy number and car registration number.
Review & Modify
Review your existing policy and make any adjustments if required.
Check Premiums
Review the premium details and make the payment.
Check Premiums
Once done, your renewed policy will be sent to your registered email.
Key Takeaways
Renew your IndusInd Car Insurance before it expires to enjoy continuous coverage against various risks. Timely renewal ensures that your vehicle stays legally compliant and protected against theft, accidents, third-party damages and other unexpected events.
By renewing your car insurance policy on time, you can enjoy up to a 50% NCB discount* on your renewal premium. This means continuous coverage, low renewal premiums and no hassle of vehicle inspection. Moreover, you can avail additional discounts such as member of any recognized automobile association, specific geo-location coverage, etc., to reduce your premium.
At IndusInd General Insurance, we ensure a quick and easy renewal process that can be completed online within minutes. Plus, you get to enjoy benefits like 11,000+ cashless garages*, our convenient IndusInd Insurance App and reliable 24/7 customer support. Additionally, we also offer long-term car insurance to help you enjoy continuous coverage without worrying about yearly renewals.
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