Long Term Car Insurance Online: Lock-in for a Longer Haul

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Long Term Car Insurance

A long-term car insurance policy, also known as a multi-year car insurance plan, offers extensive coverage for your car for longer periods.

Standard 1-year car insurance plans offer an annual renewal facility. In contrast, a long-term motor insurance policy provides continuous coverage for your vehicle for multiple years, between 3-year car insurance and 5-year plans, for convenient car protection.

Thus, with a long-term car plan or vehicle insurance for 3 years or 5 years, you reduce the risk of losing insurance coverage in times of need due to delayed policy renewals. Moreover, you avoid the hassle of annual renewals.

Why 5 Crore+ Policyholders Trust Us?

IndusInd Car Insurance is known for its reliable coverage, quick claim settlements and wide network of cashless garages. With flexible plans and add-on options, it ensures your two-wheeler stays protected on every ride.

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Round-the-clock support available*

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Protection that's tailored to your bike

Instant Policy Purchase*

Complete purchase in minutes

Quick Claim Processing

Claims settled within hours

How Does Long-Term Car Insurance Work?

Choose a Plan

Assess and select a car insurance long-term policy, depending on the number of years for which you want continuous coverage for your car.
Pay the Premium - You pay the entire 5-or 3-year car insurance policy price upfront at the time of purchase.

Benefit from Continuous Coverage

The policy covers your car against unforeseen circumstances included in your policy. This can include either a 3-year third-party coverage or a 3-year own damage plus third-party coverage based on the individual preferences of car owners.

Raise Claims

In case of accidental damage or loss to your car, you can raise claims to receive financial support.

Get Claim Settlement

Get claim approval and benefit from necessary financial protection to cover repair and replacement costs. You can file a cashless claim for direct settlement between the insurer and the authorised garage or a reimbursement claim to have the expenses reimbursed to your bank account.

IndusInd General Long-Term Car Insurance Policy

Comprehensive Car Insurance

IndusInd Private Car Package Policy - 3 years

With this plan, you get comprehensive coverage for your car. This includes coverage for your own damage and extensive coverage for third-party liabilities.

IndusInd Private Car Package Policy - 3 years

With this plan, you get 1-year coverage for own damage along with 3-year coverage for third-party liabilities.

Own Damage Car Insurance

IndusInd Private Car Policy - Standalone Own Damage Car Insurance

With this plan, you get coverage for all damages incurred by your car due to accidents, natural or man-made disasters, fires, etc.

Third Party Car Insurance

Third-Party Car Insurance - 3 years

With this plan, you can enjoy continuous third-party coverage for damages incurred by third parties or properties for 3 years without any hassle of annual renewal.

Key Features of IndusInd Long-Term Car Insurance

Features	Details
Hassle-Free Processes	Our user-friendly website allows you to purchase, renew, and file claim requests in under 2 minutes for a hassle-free and convenient experience.
Customisation Flexibility	You can customise your 3 or 5-year insurance for car plan with a wide range of add-ons to increase coverage for specific needs.
Network Garages	Our wide network of 11,000+ garages ensures quality repair work and hassle-free cashless claims.
Personal Accident Cover	Benefit from a cover of up to ₹15 lakhs for injuries, death or disabilities.
No Claim Bonus	Get up to 50% NCB discount for every consecutive claim-free year.
Discounts	Enjoy discounts of up to 80% by buying your long-term car insurance plans online.
IndusInd Self-i App	Download our mobile app to enjoy hassle-free and convenient policy-related requirements.
Customer Support	Our 24/7 customer support service ensures instant query resolution.

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features
Premium starting at	Premium starting at

Inclusion & Exclusion of Long-Term Car Insurance

What's Covered?

Accidental damage due to collision or other uncontrollable situations.

Damages caused by natural disasters such as cyclones, floods, earthquakes, hailstorms, hurricanes, typhoons and lightning.

Damages due to man-made disasters such as terrorism, riots, strikes, malicious acts, etc.

Loss due to theft or vandalism.

Damages due to fire and explosions.

Damages or losses caused to third parties or their properties.

Damages incurred during transit from road, air, or rail

What's Not Covered?

Damages incurred due to negligent driving.

Damages incurred due to drinking and driving.

Damages incurred when driving without the mandatory personal and car documents.

General wear and tear of your car.

Previous damages.

Electrical and mechanical breakdowns of the car.

Any damage or loss due to the car value’s depreciation.

Damages or losses incurred when using your private car for commercial purposes.

Damages due to nuclear attacks or wars.

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How to Choose the Right Long-Term Car Insurance Plan?

Budget

To find the most appropriate long-term car insurance policy for your vehicle, you must first assess your coverage needs and decide on a budget. This assessment is crucial to avoid paying for unnecessary coverage or overspending on premiums for long-term car insurance.

Compare Different Plans

Once you understand the type of coverage you need and your budget, you must compare different car insurance long-term plans. This should be based on premiums and inclusions to determine which plan meets your requirements and fits within your budget.

Review Policy Inclusions and Exclusions

You must also carefully review the various policy inclusions and exclusions to check whether what you require is covered in the plan of your choice. This will also help with effective claim settlements and reduce the risk of claim rejections for uncovered situations.

Read Policy Wording

You need to read the policy document thoroughly to assess the various terms and conditions applicable to different types of claims. This will ensure you are well-prepared during emergencies and can access the necessary financial support in times of need.

Check Insurer’s Claim Settlement Ratio

Along with the choice of the right policy, you must also check an insurer’s claim settlement ratio. The higher the claim settlement ratio, the quicker and more efficient claim settlements will be.

Review Online Convenience

Check for the availability of online processes for policy purchases, renewing long-term car insurance, comparisons and claim requests with the insurer of your choice. This is crucial as it reduces the hassle of physical documentation and other time-consuming efforts in times of need.

Assess Available Customer Support

Another important aspect to consider is the availability of customer support with the chosen insurer. Having 24/7 customer support ensures all your doubts and queries related to a long-term motor insurance plan are resolved instantly.

How to Buy/Renew Long Term Car Insurance

Buy Online

Visit our website > Select Explore Products > Click on “Long-Term Car Insurance”.

At the top of the page, enter the requested information and choose your multi-year car insurance policy coverage. The list of information includes your name, email address and mobile number.

Once done, click “Submit” to send your application.

Now, wait for our expert representatives to contact you with the various long-term motor insurance plans available for your vehicle.

Renew Online

Go to Our Website > Renewal > Renew Car Insurance

In the first section, enter your mobile number or policy number. In the next section, choose between vehicle registration, engine or chassis number and provide the same information accurately.

Once done, click on “Go” to proceed.

Review your existing long-term motor insurance policy, add or remove add-ons and submit the details to get an updated premium quote.

If the revised premium is satisfactory, make the online payment to instantly renew your car insurance long-term plan.

How to Calculate Long-Term Car Insurance Premiums?

Anyone who is above 18 years of age, have completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are few categories who can be benefited the most.

Visit Website

Go to our official website to start your premium calculation process quickly and securely.

Select Car

On the homepage, click on the “Car” option from the top menu to proceed with car insurance details.

Enter Details

Accurately fill in your vehicle registration number, email address, and mobile number for precise premium quotes.

View Prices

Click on the “View Prices” button to generate premium options based on your car details and coverage preferences.

Compare & Choose

Explore all available multi-year car insurance plans and premiums displayed on your screen, then select the one that best suits your needs.

Factors Affecting Multi-Year Car Insurance Premiums

Make and Model of Vehicle

The make and model of your car directly impact the multi-year car insurance premium. Premiums are higher for high-performance or luxury cars as they attract higher repair and maintenance costs compared to lower variants of the same car.

Age of the Driver

Some insurers also consider the age of the car owner or driver when calculating premiums. Young drivers under 25 are often considered a risk due to their lack of driving experience, resulting in higher premiums. On the other hand, older drivers with more experience can benefit from lower premiums.

Add-Ons

The type and number of add-ons you combine with your multi-year car insurance plan impact your premium. Every add-on increases the premium value, as the base coverage is customised for increased financial protection.

Claim History

Your claim history also impacts the premiums. A history of numerous claims for your car can result in higher premiums. On the other hand, claim-free years can increase your No Claim Bonus benefit and result in lower premiums for your plan at the time of renewal.

Age of Vehicle

The age of your car also affects your multi-year car insurance policy premium. For older cars, given their lower market value, the premium tends to be lower, whereas for new cars, the market value is higher, resulting in higher premiums.

Driver’s History

Your driving record can increase or decrease your insurance premiums. A clean driving record attracts lower premiums, whereas a driving record with multiple traffic violations and accidents results in higher premiums due to the risk profile.

Deductibles

Deductibles refer to the out-of-pocket expenses you incur before the insurance claim kicks in during emergencies. A higher deductible results in lower premiums and vice versa. However, be careful when choosing a deductible amount to avoid getting burdened with hefty upfront expenses.

Insured Declared Value

The insured declared value (IDV) of your car also has a direct impact on your long-term car insurance premium. If you choose a higher IDV, you will be charged a higher premium and vice versa.

Tips to Reduce Multi-Year Car Insurance Premiums

Practise safe driving, as a clean driving record attracts lower premiums and a higher chance of additional discounts.
Carefully choose a deductible amount, keeping in mind the potential upfront expenses you can manage on your own before the insurance claim money kicks in. Opting for a higher deductible will directly lower your premiums.
Install anti-theft and other safety devices in your car. This will significantly reduce the risk of theft and make your car safer for insurance companies, resulting in lower premiums.
Compare different long-term car insurance plans and premiums before making the final choice.
Be careful when selecting and combining add-ons with your base insurance plan to avoid paying for unnecessary coverage.

How to File Claims for Long-Term Car Insurance?

Step 1

Inform us regarding the incident within 24 hours of its occurrence by either calling +91-22-4890-3008 or downloading our IndusInd Self-i Help App on your mobile number.

Step 4

We will verify your claim form and documents to decide on your claim request.

Step 2

File a First Information Report (FIR) in case of a car accident or theft. In addition, collect all the other supporting documents to submit as proof of damages to us.

Step 5

If your claim is approved, you can either have the necessary claim settlement amount sent to your bank account or avail of a cashless claim, in which we settle the repair bills directly with the network garage on your behalf.

Step 3

Submit the long-term motor insurance claim form and other documents to us for evaluation. We will then send our surveyor to assess the damages to your car.

Long-Term vs. Short-Term Car Insurance - Which is Better?

Parameters	Long-Term Motor Insurance Policy	Short-Term Car Insurance Policy
Policy Duration	The standard duration for a car insurance long-term plan is between 3 to 5 years.	The standard duration for a short-term car insurance plan is one year.
Premiums	Lower premiums are due to a longer commitment with the insurance provider.	The car insurance 1-year price can be higher or lower based on the type of coverage you choose. However, you can avail yourself of various discounts when you renew your policy.
Policy Flexibility	Limited flexibility as policy cannot be customised before the renewal date.	Ample flexibility to customise your plan as yearly renewals.
Renewal Convenience	Continuous coverage for longer durations without the hassle of annual renewals.	Coverage is limited to 1 year only.
Premium Payment	You only need to pay once at the time of policy renewal after 3-5 years.	Requires yearly payments to benefit from coverage for your car.
Potential Downside	This plan cannot be customised before the renewal, which indicates inconvenience for car owners who plan to change their coverage or vehicle.	Failure to renew on time annually can result in loss of coverage and the No-Claim Bonus benefit.

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features	Features
Premium starting at	Premium starting at	Premium starting at
Premium starting at	Premium starting at	Premium starting at

Key Takeaways

IndusInd General Insurance (formerly Reliance General Insurance) offers long-term car insurance plans that provide uninterrupted coverage for 3 to 5 years, eliminating the hassle of annual renewals. These plans combine own-damage and third-party protection with high No Claim Bonus discounts and multiple add-on options, ensuring complete security for your vehicle.

With 24/7 customer support, a vast cashless garage network, and quick claim settlement through the Self-i app, IndusInd makes car insurance convenient and stress-free. Enjoy cost savings, simplified processes, and peace of mind with comprehensive coverage designed for your long-term needs.

Reliance General Insurance

Aapke Protection ka All-rounder

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.

Car Insurance starting at just ₹238 per month*

Drive Worry-Free for Years!

Enjoy uninterrupted coverage for up to 3–5 years with IndusInd General Insurance. Get hassle-free repairs at our extensive cashless garage network across India—no upfront payments, just smooth service and complete peace of mind.

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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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FAQs on Long-Term Car Insurance General

Why should I choose IndusInd General Insurance for my car insurance?

IndusInd General Insurance is one of the top insurance providers in India. Here is why you should choose them for your car insurance needs. -

Cashless claim convenience with over 11,000+ authorised garages
Customisation flexibility with a wide range of add-ons
Competitive premiums with many discounts for increased affordability
User-friendly website and online convenience for all insurance needs
24/7 customer support
A dedicated mobile app, IndusInd Self-i for all your insurance needs

My car was stolen. What support can I get from my long-term car insurance?

If your car is stolen, you can file a claim with your long-term car insurance policy and get reimbursement based on your vehicle’s IDV. The amount of financial compensation you will receive will depend on your car’s deductibles and IDV alone, so you must consider the IDV amount carefully.

List some factors that influence 3-year car insurance prices.

Some of the crucial factors that impact car insurance for 3 years premium include location of the car, age of the car, make and model of the car, types and number of add-ons and insurance claim history.

Does the choice between online and offline policy purchase have any impact on long-term package policy 3 years premiums?

With the online process to buy 3- or 1-year auto insurance plans, you may benefit from lower premiums due to the following reasons -

Lower overhead expenses

Lower operational costs

Zero paperwork expenses, as paperless policies

Moreover, with IndusInd General, you can avail of discounts of up to 90% on premiums for car insurance policies under different categories on online purchases. This reduces the premiums even further, making the online process an ideal option.

What is the main difference between long-term and annual car insurance plans?

The main difference between a long-term car insurance plan and a short-term car insurance policy is the policy tenure.

A short-term car insurance plan has to be renewed annually, whereas a long-term plan is usually for 3 to 5 years, after which renewal is required. Due to the longer duration of continuous coverage, long-term plans offer lower premiums.

Is a long-term car insurance policy mandatory?

Answer

What is the eligibility for long-term car insurance?

The basic eligibility criteria include -

You must have a valid car registration certificate
You must have a valid driving licence
You must be at least 21 years of age
You need to present your driving history
You must share copies of previous car insurance policies, if any

What documents are required to submit a long-term car insurance claim?

A duly filled and signed claim form.
A clear copy of your car’s registration certificate.
A clear copy of your long-term car insurance policy.
A First Information Report (for accidents or theft cases).
Driving licence.

Can I file a cashless claim with long-term car insurance?

Yes, most insurers, such as IndusInd General Insurance, offer the convenience of cashless claims. With this option, all you need to do is take your car to one of the authorised garages within the insurer’s network and avail of a direct claim settlement between the insurer and the garage.

What is the return to invoice add-on for car insurance?

The return to invoice add-on is helpful when your car is damaged beyond repair or stolen. With this add-on, you can avail of a complete reimbursement of your car’s original price, regardless of the changed market value, to recover for the total loss of the vehicle.

What is the Insured Declared Value for a car?

The insured declared value of your car is an estimated calculation of your car’s market value at the time of car purchase. Based on this calculation, you get the same amount as compensation in case of a total loss of the vehicle. Thus, it is important to carefully decide the IDV of your car, as it has a direct impact on your claim amount.

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