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Short-Term Car Insurance
Short-term car insurance provides flexible coverage when you need protection for a limited time. Whether borrowing a friend's vehicle, renting a car for a weekend, or temporarily relocating for work, this policy offers security without a full-year commitment.
Unlike standard annual policies, short-term car insurance online can be purchased for durations as brief as one day or up to three months. This makes it practical and cost-effective for test-driving vehicles, learning to drive, or using someone else's car temporarily.
The coverage protects against accidents, natural disasters, theft, fire, and man-made calamities. Customise your policy duration: one day, one week, 15 days, one month, or three months, paying only for what you need.
Getting car insurance for a short period is straightforward with minimal documentation and a simple online process. Premiums are calculated based on policy duration, vehicle type and location.
IndusInd General Insurance (formerly Reliance General Insurance) offers comprehensive short-term car insurance plans with flexible durations, affordable premiums and instant activation.
Why 5 Crore+ Policyholders Choose Us?
Unlike traditional insurance providers, we put you at the center of our product design. From fast online claim reporting to pioneering pocket-friendly short term car insurance plans
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What is Short-Term Car Insurance?
Short-term car insurance, also known as temporary car insurance, is a policy that provides insurance coverage for your car for a limited period. The duration can range from one day to three months.
It is a cost-effective option for individuals seeking car insurance coverage for the short term for several reasons. These include borrowing or renting a car for a few months, temporary relocation, learning to drive, etc.
Typically, a short-term car insurance policy is a good option if you need coverage for any time between one day and three months, compared to the standard one-year car insurance policy.
How Does Temporary Car Insurance Work?
Temporary motor insurance works similarly to a regular car insurance policy but offers the flexibility to meet your specific short-term requirements.
Simpler Purchase Process
By providing a few essential documents, you can buy short-duration car insurance or temporary monthly car insurance online in a few simple steps.
Flexible Policy Period
You can choose a policy period, ranging from one day to three months, that meets your specific requirements. The premium will be based on the length and level of your coverage.
Coverage
IndusInd General Insurance offers short/temporary car insurance coverage under own-damage car insurance policies. It covers a range of potential risks, such as accidents, natural disasters and man-made calamities.
Simpler Claim Process
By notifying us about the incident promptly and providing the necessary details, you can also benefit from a quick claim settlement.
Key Features and Benefits of Short-Term Car Insurance
Flexible Policy Period
You can choose between one day, one week, 15 days, one month or three weeks.
Discounts
In addition to affordable premiums, we offer discounts for online purchases, voluntary deductibles and more.
Quick Activation
You can purchase temporary car insurance online in a few simple steps.
Customised Solutions
You can choose the policy period, extent of coverage, and optional coverage to determine the best temporary car insurance for your specific requirements.
Own-Damage Coverage
We offer extensive coverage to secure your car against accidents, natural disasters and man-made calamities.
Add-Ons
We offer various optional covers to enhance the coverage for your short-term car insurance policy.
Cashless Repairs
We have a wide network of over 11,000+ garages across India for cashless repairs.
Hassle-free Claim Settlement
We extend a quick and seamless claim settlement process for short-term car insurance needs.
24/7 Customer Service
Our customer service team is dedicated to addressing your queries promptly at any time.
IndusInd Short-Term Car Insurance - Inclusions & Exclusions
Short-Period Car Insurance - Inclusions
Accidents: Covers the cost of repairing or replacing car parts due to road accidents.
Natural Disasters: Covers damages caused by natural disasters like earthquakes, floods, cyclones, etc.
Man-Made Calamities: Covers damages caused by man-made calamities like riots, vandalism, terrorism, etc.
Theft: Compensates with the Insured Declared Value of your car in case of theft.
Fire: Damages caused by fire, such as explosions and self-ignition
Transit: Damages incurred while transporting your car by roadways, railways, air or waterways.
Short-Term Car Insurance - Exclusions
Third-Party Coverage: Third-party injuries or death and damages to their property
Depreciation and Regular wear and Tear:Loss or damage due to depreciation and general wear and tear
Usage of Car: Using a private car for profit/for hire
Driving Without a Valid Licence: Damages incurred to the car when driving without a valid licence.
Drunk Driving: Damages incurred to the car due to driving under the influence of alcohol or drugs
Damage Due to War: Damages due to war, biochemical attacks, civil wars, nuclear explosions, invasions, mutiny and the like
Consequential Damages: Damages due to actions, such as attempting to start the engine in a flooded area or driving on the wrong side.
Violation of Policy Terms and Conditions: Damages caused by actions that violate the policy terms
Expired Policy: Compensation for damages claimed on an expired policy.
Disclaimer: Kindly go through your policy wordings for a detailed list of inclusions and exclusions linked here
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When Should You Buy Temporary Car Insurance?
A temporary car insurance policy can be purchased for various reasons depending on personal circumstances. It is especially important in the following scenarios:
My Employer is taking care of my Health Insurance and so I do not need one
Borrowing a Car
If you are borrowing a car from a friend or a family member for a short period, short-term car insurance or temporary monthly car insurance provides the required coverage.
My Employer is taking care of my Health Insurance and so I do not need one
Renting a Car
Although rental agencies might offer car insurance coverage, it can be minimal or expensive. With the best temporary car insurance, you can ensure a flexible, cost-effective and convenient solution in such scenarios.
My Employer is taking care of my Health Insurance and so I do not need one
Test Drives
When you take a car for a test drive, it is better to buy short-term auto insurance to financially protect yourself against unprecedented scenarios.
My Employer is taking care of my Health Insurance and so I do not need one
Temporary Relocation
When you are using another person’s car in a different location for business or any other purpose, temporary car insurance is highly essential.
My Employer is taking care of my Health Insurance and so I do not need one
Planning Immediate Resale
Temporary car insurance when buying a new car is also crucial if you want to resell it shortly after purchasing it.
How to Buy/ Renew Short-Term Car Insurance Online?
Buy Online
Go to top and provide your contact details and the car’s registration number.
Verify the car details, choose a suitable short-term car insurance plan and select add-ons if necessary. You can buy monthly car insurance online.
Pay the applicable premium and buy the temporary car insurance policy instantly.
Renew Online
Go to top page and click on ‘Renew Car Insurance Policy'.
Provide your mobile number or policy number to renew your temporary car insurance policy. Choose a suitable coverage and select add-ons if necessary.
Pay the applicable premium to renew your one-month car insurance
Short-Term Car Insurance Cost
The short-term car insurance price can be calculated using the car insurance premium calculator available on our Car Insurance Online page. It is determined based on the following factors:
Policy Duration
The short-term car insurance price depends on the duration of coverage required, whether one day, one week, 15 days, one month or three months. The longer the policy period required, the higher the premium.
Type of Vehicle
The make, model and age of the car significantly impact the short-term auto insurance price. Expensive vehicles will attract a higher premium.
Risk factors
Location, driver’s profile, and purpose of usage can affect the short-term car insurance cost. For example, if you live in a low-risk area, you may have a higher chance of getting low-cost temporary car insurance.
Documents Required for Temporary Car Insurance
The documents required for temporary car insurance online can differ based on personal circumstances.some of the most essential documents required for short-term car insurance are listed below:
Car’s Registration Certificate
Valid Driver’s Licence
Proof of Identity - Aadhaar Card, Passport, etc.
Proof of Address - Aadhaar Card, Ration Card, Passport, etc.
Previous Insurance Details for No Claim Bonus, if applicable
Short Term Car Insurance Claim Process
IndusInd General Insurance offers both cashless and reimbursement claims for short-term car insurance plans.
Step 1
Notify us about the incident by calling us on our paid helpline number - +91 22 48903009 or using the IndusInd Insurance app. Gather the essential evidence and file a First Information Report (FIR), if necessary.
Step 4
Upon our approval, the repair work at the garage will start.
Step 2
Take your car to any of our network garages. Our surveyor will investigate the damage and discuss the repair costs with the garage owner.
Step 5
Upon completion, we will directly settle the bills with the garage.
Step 3
Submit the claim form and the supporting documents to the surveyor for the short-term car insurance claim.
Step 1
Notify us about the incident using any of the methods mentioned above. Gather the essential evidence and file a First Information Report (FIR), if necessary.
Step 4
Submit the claim form and other supporting documents, including bills and payment receipts.
Step 2
Take your car to any authorised garage of your choice.
Step 5
We will review your temporary driving insurance claim and reimburse you for the applicable expenses.
Step 3
Pay the applicable bills upfront out of your pocket.
Documents Required for Short-Term Car Insurance Claim
Duly filled and signed claim form.
Short-term Car Insurance Policy
Copy of Registration Certificate
Proof of Identity and Address
First Information Report, if applicable
Copy of the driving licence
Repair bills and payment receipts
Here is the complete list of required car insurance claim documents.
Advantages of One-Day Car Insurance
Cost-Effective
One-day car insurance provides essential coverage at an affordable premium for your short-term requirements.
Instant Coverage
One-day auto insurance coverage can be purchased online instantly in a few simple steps.
Minimal Documentation
One-day car insurance coverage can be purchased by submitting a few essential documents, such as the car’s registration certificate, proof of identity, and proof of address.
Flexibility
You can decide on the extent of coverage required under the 1-day car insurance
Applicable to Different Purposes
You can purchase the 1-day motor insurance policy for various purposes, such as for a borrowed car, rented car, etc.
Short-Term vs Long-Term Car Insurance
Differentiating Factors | Short-Term Car Insurance | Long-Term Car Insurance |
|---|---|---|
Policy Duration | For one day, one week, 15 days, one month or three months | For one year, three years or five years |
Coverage | Exclusive own-damage coverage | Own-damages and third-party injuries and property damages |
Premium | Comparatively lower premium | Comparatively higher premium |
Benefits | Ideal for short-term insurance coverage requirements | Ideal for continuous insurance coverage requirements |
Who Should Purchase? | Individuals who borrow a car, rent a car, or use a car for any specific temporary needs. | Individual private car owners |
Temporary Car Insurance For Rental Cars
Short-term car rental insurance is a great option for securing insurance coverage when renting a car.
Key Takeaways
Car insurance is essential to safeguard against accidents, theft and damage. It protects you against financial difficulties in unexpected situations, so proper car coverage is crucial and typically required whether you own or rent one.
We understand that different situations require different solutions. That's why at IndusInd General Insurance (formerly Reliance General Insurance), we offer flexible short-term car insurance plans tailored to your specific needs.
Our key advantages include flexible policy durations from one day to three months, affordable premiums with attractive discounts, instant online activation, customisable coverage options, comprehensive own-damage protection, valuable add-ons to enhance your policy, access to over 11,000+ cashless garages across India, quick and seamless claim settlement and 24/7 dedicated customer support.
Ready to secure your vehicle? Calculate your premium instantly using our online calculator and purchase your policy in just a few simple steps.
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