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 between 2,500 – 10,500 km per year* and a 500 km top-up option* so you can easily extend your coverage mid-policy using the Self-i 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. This 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*.
Benefits of IndusInd Pay As You Drive Car Insurance
Key Insights on PAYD Insurance
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 their customers choose to buy PAYD insurance over other plans.
It’s popular among households with multiple cars, professionals who work close to their home and those who prefer to pay only on actual use.
Why 5 Crore+ Policyholders Choose Us?
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 PAYD cover!
First Company to Bring PAYD!*
From 2,500-10,500 km per year*
11,000+ Garages*
Quick cashless claims pan-India
Video Claims Feature*
File claims via the Self-i app
24/7 Customer Support
Get support from anywhere in India
Key Features of IndusInd Pay As You Drive Car Insurance
IndusInd insurance offers ease of choosing a comprehensive car insurance that comes with all the benefits but with 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 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 |
Buy/Renew Online | Instant and Paperless via the website or the Self-i App |
Disclaimer: Please refer to the official policy documents for detailed information.
How Does Pay As You Drive Car Insurance Work?
When you buy IndusInd Limit Sure - Pay As You Drive, you are required to select an estimated distance that you will drive in a policy year. This estimated distance is called "Available Kilometres" or "Kilometre Limit" and can be set in different slabs starting from 2,500 km up 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, the lower your Kilometre Limit, the more discount you will get. Also, you must declare your current odometer reading when buying and renewing the policy. This 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.
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.
Pay As You Drive Insurance - Inclusions & Exclusions
What's Covered?
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 caused to someone’s property, vehicle or body is 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’s Not Covered?
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.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here
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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.
How to File a Claim Under Pay As You Drive Insurance?
Cashless Claims
Visit a network garage for repairs. We will send a surveyor for vehicle inspection to check the extent of damage.
Submit all your documents and wait for the claims approval from our team. 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 Claims
Immediately inform us within 24 hours. You can also log into the Self-i 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 Self-i 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.
Car insurance starting at just ₹238 per month*!
Drive Less? Pay Less!
With Pay As You Drive, you get to keep your premiums low based on the actual usage only! With kilometres you carry forward, you continue to save with limited usage benefits!
IndusInd Pay As You Drive Insurance 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 |
Difference Between Pay-As-You-Drive and Comprehensive Car Insurance
Our Pay-As-You-Drive plan offers the same benefits as a comprehensive plan without paying additional premiums when your usage is limited. Here is a quick glance at the benefits offered by the Pay-As-You-Drive plan:
Parameters | Pay As You Drive Insurance | Comprehensive Insurance |
|---|---|---|
Coverage | Covers own damage costs within the kilometre limit | Own damage and third-party costs are covered. |
Availability | Available with comprehensive and own-damage plans. | Available as a stand-alone plan |
Premiums | Lower premiums | Higher premiums |
Third-party Damage | Covered if PAYD add-on is taken with comprehensive car insurance. | Covered |
Who is it for? | Infrequent car users, Multiple vehicle owners, Senior citizens and seasonal drivers | Frequent car users looking for comprehensive coverage |
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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Frequently Asked Questions
What if the declared car usage limit is exhausted?
In this case, you can buy extra kilometres with our "Top Up Limit" feature to ensure you are covered for the rest of the policy period. We also offer Grace Kilometres* up to 125 km to give you enough time to renew your policy before your limit is exhausted.
For example, if you have selected a Kilometre Limit of 3,500 km, but within a few months, your limit is over. At this point, you can contact us and request a top-up limit to extend your coverage for the current policy year.
If you have any unused kilometres, you can carry them over to the next policy year using the "Carry Forward Limit" option.
What are some things to keep in mind before buying pay as you drive insurance?
Your driving habits are the most important factor to consider before buying PAYD insurance. Do you use your car often, or do you use it to commute to work every day? – It’s best to ask yourself these questions since PAYD premiums are based on usage. So, if you answered no to any of these questions and use your car occasionally, PAYD car insurance might be a fit for you.
Also, look into how much you can customise your kilometre limit and how big of a discount you’re getting on your premiums.
Is the claim process different for IndusInd Limit Sure - Pay As You Drive?
No, the own damage claim process is the same. You can register your IndusInd Limit Sure (formerly known as Reliance Limit Sure) - Pay As You Drive claim online.
Does IndusInd Limit Sure - Pay As You Drive cover accidents and theft?
Yes, since IndusInd Limit Sure (formerly known as Reliance Limit Sure) —Pay As You Drive is an add-on cover for the Own Damage insurance plan. Your Own Damage policy covers damage to your vehicle caused by an accident and even theft.
Are any extra documents needed when buying an IndusInd Limit Sure - Pay As You Drive add-on?
No, all we need to buy IndusInd Limit Sure (formerly known as Reliance Limit Sure) — Pay As You Drive is your vehicle details and KYC documents.
How is the IndusInd Limit Sure - Pay As You Drive Premium Calculated?
The premium is calculated based on the mutually agreed-upon kilometres you will cover within the specified term. It is also known as “Available Kilometres”. The total number of kilometres you have driven is determined based on your odometer’s reading.
How will you calculate the number of kilometres I have driven?
It will be determined based on your odometer reading. For example, your selected kilometre limit is 5,500 km, and your car’s odometer reading was 1,000 km when you bought the add-on.
To receive the benefits, your car’s odometer should be 6,500 km at the end of the policy tenure.
How long does the IndusInd Limit Sure - Pay As You Drive add-on last?
The add-on will cover you for the standard duration of 12 months or more, depending on your policy period.
Is pay-per-mile car insurance worth it?
Yes. Pay-as-you-drive car insurance is a cost-saving plan for occasional drivers and is also a great option for those on a limited budget.
Can I use my unused kilometres in the next policy year?
Yes, if you have unused kilometres, you can carry them over to the next policy year at the time of renewal. This is known as the Carry-Forward Limit.
For example, let’s say you purchased the add-on with a 10,000-kilometre limit. However, you only used 7,000 kilometres during the policy year. The add-on lets you carry forward the remaining 3,000 kilometres to the next policy year when you renew your policy and enjoy the extra coverage.
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