Total protection for your vehicle starting just at ₹19/month*
-
Up to 90% Discount*
-
11,000+ Network Garages*
-
AI-Assisted Claims on Self-i*
Motor Insurance
Motor insurance covers your vehicle for damages caused by accidents, natural disasters (like earthquakes, floods, typhoons), fires and theft. It also helps cover third-party liabilities in case you accidentally cause injury or damage to another person or their property during an accident.
Motor insurance is also mandatory in India under the Motor Vehicles Act, 1988, regardless of the type of vehicle you have. If caught driving an uninsured vehicle, you can face traffic fines starting from ₹2,000 (first offence) to ₹4,000 (for repeat offences), and even 3 months' imprisonment. Plus, with the high cost of motor repairs, even minor damage can be expensive. So, a vehicle insurance policy can help cover these hefty expenses while also helping you stay compliant with the law.
That’s why we at IndusInd General Insurance (formerly, Reliance General Insurance) offer online motor insurance plans that can be customised to fit a wide range of vehicle types from cars and bikes to buses and lorries. With low premiums starting at ₹19/month*, instant policy issuance, and quick claims, we are a one-stop destination for all your insurance needs.
Why Invest in IndusInd Motor Insurance?
In 2024, more than 8 crore challans were issued, where 55% of them were issued against four-wheelers, and two-wheelers accounted for the remaining 45%. This shows how common traffic violations and accidents are in India, highlighting the need for motor insurance to protect your vehicle.
Covers Loss and Damage
If your vehicle gets damaged or is stolen, or accidentally damages another person’s vehicle, you get compensation for third-party liability costs and repair/replacement expenses for your vehicle. This way, you don’t have to worry about out-of-pocket expenses.
Adherence to Law
According to the Motor Vehicles Act, 1988, you will be charged hefty traffic fines (₹2,000-₹4,000) or face 3 months in jail if found driving without valid motor insurance. Our Motor insurance helps you avoid these fines and fulfil your legal requirements.
Personal Accident Cover
Having a Personal Accident (PA) cover is mandatory for all vehicle owners in India. If you do not already have one, we offer up to ₹15 lakhs* for accidental injuries and disability. We also offer an optional ₹2 lakh cover for co-passengers, enhancing safety for everyone.
Why 5 Crore+ Policyholders Choose Us?
IndusInd Motor Insurance (formerly Reliance Motor Insurance) offers tailored motor insurance plans to minimise your out-of-pocket expenses during unexpected emergencies. To provide maximum protection, our plans are bundled with:
Up to 5 years Coverage*
Long and short term plans
Up to 90% Discount*
Save more with our online plans
13+ Add-On Covers*
Customise and enhance coverage
AI-Assisted Claims*
Quick claims via our Self-i app
Key Features of IndusInd Motor Insurance Plans
To protect your beloved vehicles with the right motor insurance, it is crucial to compare your needs with the features of the insurance plan. These are the key features of our motor insurance plans that ensure adequate protection:
| Features | Details |
|---|---|
Lowest Premiums | Starting at just ₹19/month* |
Coverage | Own Damage + Third-Party (Available as separate plans and can be bundled) |
Pay-As-You-Drive Option | Customised premiums based on the kilometres you ride (Available as an add-on) |
Personal Accident Cover | Up to ₹15 lakhs* |
Discounts | Up to 90%** |
NCB Discount | Up to 50%* |
Add-ons | 13+ add-ons, with 3 EV-specialised add-ons |
Cashless Claims | At 11,000+ Network Garages* |
Quick Claim Survey | Within 24 hours* of claim intimation |
Buy/ Renew Online | Quick policy issuance via the website and Self-i app |
24/7 Customer Support | Via calls, email, WhatsApp and BOT assistance |
Disclaimer: Please refer to the official policy documents for detailed information.
Types of Motor Insurance
Comprehensive Motor Vehicle Insurance
Definition: This insurance covers damages to your vehicle from accidents, natural disasters, man-made calamities, fire and theft. It also covers damages caused by your vehicle to another person or their property. In other words, you get own damage and third-party coverage under one plan. Plus, this policy type also allows you to further enhance coverage using our 13+ add-on covers*. Plus, under this policy type, we offer yearly and multi-year plan options.
Ideal For: It is ideal if you are looking for all-around protection and heavily rely on your vehicle for all your transport and daily commutes. You can also choose from valuable add-ons like Nil Depreciation, Engine Protection and Roadside Assistance
Quick Tip: You can get up to 5 years of coverage with us for bike insurance* and 3 years of coverage for car insurance*. This means you can pay once at policy purchase and get years of continuous coverage without worrying about any yearly premium hikes when you opt for our long-term policy options.
Standalone Own Damage Motor Insurance
Definition: Standalone motor own damage insurance protects your vehicle from damages caused by accidents, natural calamities, fires and theft. Note that this insurance does not cover any third-party damages or injuries caused by your vehicle to another person. It will only cover your vehicle. We offer long-term and short-term policy options from 1 month to 1 year* for this policy type that you can opt for based on your coverage needs.
Ideal For: It is ideal for vehicle owners who already have a third-party insurance policy and want to cover their vehicle against accidental damage. It's also a good option for anyone looking for short-term OD coverage since we offer short-term plan options. For instance, if you don't use a vehicle often or travel frequently, you can get a short-term OD policy to cover the months you do use your vehicle. This is cheaper than getting a 1-year policy. And if you need long-term coverage, you can get the yearly plan.
Quick Tip: Since this policy is a lot more flexible, we recommend getting it if you already have a third-party policy. It's a good opportunity to try out our services short term before upgrading to a comprehensive motor insurance plan.
Third-Party Motor Insurance
Definition: Third-party motor insurance is mandatory for all vehicle owners in India, as per the Motor Vehicles Act, 1988. It provides financial protection against damages or injuries caused to another person or their property by your vehicle. The IRDAI sets premiums for this plan every year based on the vehicle’s engine capacity and type. Electric vehicles also get discounted rates. This is also our most affordable plan.
Ideal For: This type of policy is perfect for anyone looking for basic coverage. For example, if you are on a budget, you don't use your vehicle often, own multiple vehicles or rely on public transport for daily commutes, third-party insurance may be a good fit.
Quick Tip: This is our most affordable plan, and like our comprehensive motor insurance plan, you get long-term coverage. So if you're looking for a quick and affordable way to fulfil your legal obligations on a budget, look no further than our third-party motor insurance.
Compare IndusInd Motor Insurance Plans
We offer a wide range of motor insurance plans, ranging from basic coverage and mandatory plans, such as third-party insurance, to comprehensive plans with all-around protection. Here is a side-by-side comparison:
Coverage Features | Third-Party Motor Insurance | Comprehensive Motor Insurance |
|---|---|---|
Repair or replacement of vehicle parts caused by accidents |
|
|
Damages caused due to natural disasters | ||
Damages caused due to man-made calamities | ||
Damages caused by fire | ||
Loss or damage due to vehicle theft | ||
Third-party injuries and death | ||
Third-party property damage | ||
Optional Add-Ons |
Inclusions and Exclusions of IndusInd Motor Insurance
What is Covered?
Accidental Damage: If your vehicle gets damaged in a road accident or collision, the policy will cover the repairs and replacements of your vehicle's parts.
Third-party Damage: If your vehicle causes damage to someone else or their property, we will cover the expenses on your behalf.
Natural and Man-made Disasters: Covers repairs for damages caused due to natural and man-made disasters like floods, earthquakes, strikes and riots.
Rodent/Animal Damage: If your vehicle's internal (e.g., internal wiring or cables) or external parts are damaged by a wild animal attack or rodents, it is covered.
Fire and Theft Damage: Covers damage caused by fire, self-ignition, lightning or explosion. We also cover total vehicular theft by paying you your vehicle’s IDV.
What is 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 vehicle, 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: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details by clicking here
Need help choosing the right plan?
A quick call now saves a big repair bill later!
Add-Ons Under Vehicle Insurance
Pay-As-You-Drive (Limit Sure)
Money Saver
Get lower premium rates! Choose between 2,500 and 10,500 km* and pay based on the usage of your vehicle. This cover calculates premiums based on the kilometres you drive per year.
Zero Depreciation
Money Saver
Get covered for the complete repair or replacement cost, without deducting the depreciation amount of certain vehicle parts, such as fibre parts, rubber and plastic parts, metal components, etc.
Personal Accident Cover
Extra Protection
It provides compensation of up to ₹15 lakhs* in case of permanent disability or death of the driver. This cover offers financial support after an accident that you can get when buying your plan if you don’t already have one.
24/7 Roadside Assistance
Extra Protection
You receive 24/7 roadside assistance if your vehicle breaks down on the road. Whether it is a flat tyre, engine trouble or a dead battery, you get prompt help with this cover.
Engine Protection
Extra Protection
We cover the damage caused to your vehicle’s engine due to water entering the engine or oil leakage. Without this cover, the repair costs can go above ₹50,000, since the engine is the most expensive part of your vehicle.
Return to Invoice
Money Saver
If your vehicle is stolen or declared as a total loss (irrecoverable from the damage), this add-on will reimburse you for the vehicle’s original invoice value, including taxes and registration fees.
No Claim Bonus (NCB) Cover
Money Saver
You lose your accumulated bonus when you make a claim (major or minor). However, this add-on protects your bonus even after you make a claim, helping you save on premiums.
Key Replacement Cover
Extra Protection
Replacing modern car keys in case of damage or theft can be expensive. That's why we cover the cost of replacing vehicle keys and reprogramming the locksets in case keys are stolen or damaged due to an accident.
Rim Protection
Extra Protection
If your alloy rims get damaged by hitting a curb or poor road conditions. This cover handles the expenses of repairing or replacing up to 4 rims, which is otherwise not covered under base inclusions.
Tyre Protection
Extra Protection
You're covered for the costs of repairing or replacing damaged tyres due to accidents, bursts, bulges or cuts. We cover all 4 tyres for cars and both tyres for bikes*, and we cover tubeless and tubed tyres.
Consumables Cover
Money Saver
Consumables account for 5-10% of your total repair bill. This add-on covers the cost of consumables, such as coolant, nuts and bolts, engine oil, lubricants, etc., reducing your out-of-pocket expenses.
Personal Belongings
Extra Protection
If your laptop, phone, bag or any belonging costing more than ₹5,000* is stolen from your vehicle due to theft or is damaged during an accident, this add-on will help you recover its value*.
Emergency Hotel Accommodation
Extra Protection
You're covered for the cost of unexpected hotel accommodation if your vehicle breaks down and takes more than 48 hours to repair or is stolen while you are away from home, reducing your additional expense.
EV Battery Protection
EV Protection
We cover damages to your EV’s battery caused by accidents, water, mechanical shocks, or power surges. Given a hefty battery replacement cost, this add-on is a must-have for EV owners.
Electric Motor Protect
EV Protection
The Electric Motor Protect covers the repair costs of your vehicle's motor damaged due to water, short-circuits, overheating, coolant leakage or due to any other electrical failure.
EV Charger Cover
EV Protection
This valuable add-on covers the repair and replacement cost of your EV's home charging unit and adaptor if it gets damaged by accidents, natural disasters, fire, animal attacks or theft.
Geo-Extension Cover
Adventure & Travel
Extend your coverage to 6 neighbouring countries* – Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka, and the Maldives. Ideal for anyone who needs to travel frequently between India and these countries by road.
Things to Consider While Buying Motor Insurance
Before you buy a motor insurance plan to secure financial coverage against damages and loss, here are some of the key points that help you select the right plan for your needs:
Types of Coverage Offered
Check the types of plans we offer and select the one that best suits your needs. For example, if you want all-around coverage, choose our comprehensive motor Insurance and applicable add-ons. We offer curated plans for all vehicle types, ensuring specialised coverage for each.
Premium Rates
Several factors influence premium rates, including the choice of plan and add-ons. Calculate the applicable premium rates across our plans to choose the best affordable plan. You can use our online premium calculator to get an estimate of the applicable premium in an instant.
Add-on Covers
Browse through the available options based on your selected plan and get additional protection for your coverage needs at nominal rates. We offer 13+ specialised add-ons for all vehicle types, with 3 specialised add-ons for EVs.
Understand Terms and Conditions
Take time to review the terms of the online motor insurance policy carefully. Understand what is covered and what is not, to prevent claim rejections. Our digital platforms allow you to access all policy documents anytime you need.
Deductibles
Deductible is the amount you pay yourself for claims. Thus, choosing the right amount that helps you balance saving on premiums and claim expenses is crucial. We offer the flexibility to choose a higher deductible if it suits your budget.
Network Garages
Check the network of cashless garages near you to ensure convenience and access to quality repair services. We have a strong network of 11,000+ garages spread all over the country, providing faster repairs and cashless claims.
Insured Declared Value (IDV)
Choosing the right IDV is an important part of the buying process, it affects your overall premium rate. We recommend keeping it as close as possible to your vehicle's actual market value to ensure you get adequate coverage without exceeding your budget. To ensure this, we offer an IDV customisation feature where you can choose the appropriate IDV amount during the buying process within a preset range.
Claims Settlement Ratio (CSR)
The insurer's CSR is a good indicator of the likelihood of your claim getting approved and settled. So, always check the insurance company's claim settlement ratio and go for insurers with CSRs over 95%. For instance, we offer one of the highest claim settlement ratios in the industry. This shows that we settle and approve almost all the motor insurance claims we get.
Claims Process & Digital Convenience
The claims process must be quick, easy and involve minimal paperwork. We also recommend going for insurers that offer an online claims process, along with online facilities for other processes like purchase, renewal, policy management, etc., for ease of use. For example, with us, you can buy, renew and claim your policy on your phone using our Self-i app. You get AI-assisted claims, one-tap renewals and a fully digital policy purchase process.
24/7 Customer Support
Ensure your chosen provider offers quick customer support via multiple modes of communication like phone call, email, SMS and WhatsApp. At IndusInd General Insurance, we offer 24/7 customer assistance through all the stated modes, including AI-BOT assistance and live chat. We also ensure quick query and issue resolution so you're never left hanging. You can easily reach us via our website or the Self-i app – help is always a tap away!
Buy/Renew IndusInd Motor Insurance
At IndusInd General Insurance, you can easily buy and renew your motor insurance plan either through our website or via the Self-i app. All you need to do is enter your name, mobile number, and vehicle registration number on the form on top to get started. Then, once you've decided on a motor insurance policy, complete the KYC process, pay online and get your policy instantly via email.
Renewals are even quicker – Just enter your policy number, click renew and pay! You can also do this on our Self-i app by tapping on 'InstaRenew".
Motor insurance starting at just ₹19 per month*!
Cover a Wide Range of Vehicles With Us!
Whether you own a car, a bike, a new-age EV or any commercial vehicle, we provide flexible coverage plans for diverse needs.
Factors Affecting Policy Premium
Your motor insurance policy's premium is decided after careful consideration of several factors, which include the age of your vehicle, make and model, usage, choice of plan and add-ons. This is how each of the factors influences the premium:
Motor Insurance Type
Your chosen policy type has a direct effect on premium rates since more coverage means higher premiums, and lower coverage means lower premiums. For example, third-party motor insurance is our most affordable policy type, while our comprehensive motor insurance offers more coverage for a slightly higher premium.
If you're hesitant to opt for a comprehensive plan, we offer up to a 90% discount* under our policies, ensuring our prices always stay within your budget.
Example of Premium Rates:- Own-Damage Insurance = ₹7,000, Comprehensive Insurance = ₹13,000
How Does it Affect the Premium?:- Increase in coverage increases the premium amount
Vehicle Variant
The make and model of your vehicle also play a part in determining your motor insurance premiums. For instance, a more expensive car like a BMW would cost more to insure since it would have specialised parts that are harder to find and more expensive to repair, versus insuring a regular hatchback like the Hyundai i20.
When it comes to older vehicles, we also take into account depreciation, which also affects premiums. Older vehicles tend to have lower premiums than brand-new vehicles.
Example of Premium Rates:- Advanced Variant = ₹18,299, Older Variant = ₹12,450
How Does it Affect the Premium?:- Premium price changes with the vehicle’s age and variant.
Insured Declared Value (IDV)
The vehicle's Insured Declared Value directly impacts your premiums, as it serves as your policy's sum insured amount. A higher IDV means higher premiums with higher coverage compensation, while a lower IDV means lower premiums with lower coverage compensation. We recommend opting for an IDV that's close to your vehicle's actual market value to ensure you get enough coverage during claims settlements and value for money under your plan.
To ensure this, we provide an IDV range to choose from during policy purchase based on your vehicle's make/model, age and depreciation.
Example of Premium Rates:- Higher IDV (₹10 Lakhs) = ₹20,000, Lower IDV (₹5 Lakhs) = ₹10,000
How Does it Affect the Premium?:- Higher IDV means more coverage and a higher premium.
Optional Add-Ons
Add-ons are optional covers you can add to your motor insurance policy to increase coverage. These also come at an extra cost, which can slightly increase your premiums. Hence, we recommend only choosing add-ons you are sure you will need.
At IndusInd General Insurance, we offer 13+ add-on covers*, including 3 specialised add-ons for EV vehicles. If you're not sure which add-ons to get, we recommend getting nil depreciation, engine protection, consumables cover and key protection as they're our most popular covers and ones you'll require the most.
Example of Premium Rates:-With Add-Ons = ₹22,000,Without Add-Ons = ₹18,000
How Does it Affect the Premium?:-The addition of optional add-ons increases premium prices.
Location
Your premiums are affected by the Regional Transport Office (RTO) under which your vehicle is registered. This is because vehicle prices, especially the ex-showroom cost, can vary depending on your location. Vehicles purchased in Tier-1 metro cities like Mumbai or Chennai usually come at a higher price due to tax and other charges, whereas the same model may cost less in non-metro areas.
Hence, vehicles registered in metro cities typically have higher IDVs, leading to higher insurance premiums compared to vehicles registered in smaller towns or rural regions.
Example of Premium Rates:- Tier-1 City (Mumbai) = ₹16,000,Tier III City (Bhopal) = ₹9,000
How Does it Affect the Premium?:- Road conditions and accident risks affect premium prices
Deductibles
A deductible is a set amount you need to pay out of your total repair costs during claims. They come in two types: mandatory and voluntary deductibles. Your mandatory deductibles are set by the IRDAI and are based on your vehicle's engine capacity. These must be paid regardless of your plan type. Voluntary deductibles are optional and are an extra amount you opt to pay with your mandatory deductibles during claims.
The higher your deductible amount is, the lower your premiums; however, higher deductibles also mean higher out-of-pocket costs during motor insurance claims.
Example of Premium Rates :- With Deductible (₹5000) = ₹13,500, Without Deductible = ₹15,000
How Does it Affect the Premium?:- A deductible reduces the premium but increases your out-of-pocket expenses.
How to File a Motor Insurance Claim?
Cashless Claim
Register your claim using the Self-i App or by visiting our Claims Page within 24 hours of the incident.
Visit your nearest network garage. Our surveyor will visit within 24 hours to check the extent of damage.
You can perform a self-inspection using the Self-i app and submit the photos and videos or join a live inspection.
Submit the claim documents and wait for approval. Once your claim is approved, we pay your repair bills directly at the garage.
Reimbursement Claim
If you are opting to complete the repair work from any garage outside of our network, register a claim for reimbursement.
Visit any garage to get your vehicle repaired. Pay the bills and gather all the original invoices.
Download and fill out a motor claims form and submit it along with other documents like a driving licence, RC, FIR, etc.
Wait for document verification. Upon approval, your claim amount will be directly transferred to your registered bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline
Key Takeaways
With over 35 crore vehicles on the Indian roads, having the right policy is essential. That’s why IndusInd General Insurance (formerly Reliance General Insurance) offers tailored motor insurance at affordable premiums starting from ₹19/month*. Our motor insurance allows you to avoid hefty fines and reduce your out-of-pocket expenses by covering accidental damage, medical expenses, theft, and any third-party losses caused by your vehicle.
We also offer the option for cashless repairs at 11,000+ network garages* with quick claim surveys within 24 hours*. You can also quickly buy and renew our plans online and download a digital copy of your plan to your phone through the Self-i app, so you always have it with you.
With reliable and quick 24/7 customer support, our motor insurance ensures that you and your vehicle are safe on the roads. Be smart and invest in IndusInd Motor Insurance (formerly Reliance Motor Insurance) today!
Reliance General Insurance
Aapke Protection ka All-rounder
Frequently Asked Questions (FAQs)
Is it mandatory to buy motor insurance for your vehicle?
Yes, under Indian Motor Laws, it is mandatory to purchase at least a third-party motor insurance policy for your vehicle. If your vehicle isn't insured yet, you can easily buy a motor insurance policy from our website or from the our Self-i app.
What should I do if I fit a CNG kit in my automobile?
If you install a CNG kit in your automobile, first inform the RTO to update your vehicle registration certificate. Then, notify us regarding the change. We will adjust the coverage and revise your motor insurance premium accordingly.
Plus, since this is an after-purchase vehicle upgrade, we recommend getting our non-electrical accessories add-on to ensure coverage for your CNG kit.
What happens if I don’t have a motor insurance policy?
If you don’t have motor insurance, you could face legal penalties if caught driving without it. You will also have to pay for repair costs yourself if you are in an accident. Hence, we highly recommend insuring your vehicle to avoid getting fined and to lower out-of-pocket expenses.
What are the different motor insurance products offered?
At IndusInd General Insurance (formerly Reliance General Insurance), we offer car insurance, bike insurance, and commercial insurance. Within these, we offer third-party, standalone own-damage and comprehensive insurance coverage. For all-around coverage, we recommend getting our comprehensive motor insurance policy.
What is a liability policy in motor insurance?
A liability policy in motor insurance refers to a third-party motor insurance plan that covers damages caused to another person, vehicle or property by your vehicle. It includes injuries, death and property damages.
Is it possible to switch to a different motor insurance provider?
Yes, you can opt to switch to a different motor insurance provider for better coverage and features. However, it is best to switch at the time of renewal for a smooth transition experience.
At IndusInd General Insurance, you can renew your existing policy from another company with us and transfer your existing benefits, like discounts and bonuses. This means you can transfer the full benefits of No Claim Bonus when you shift your motor insurance policy from another company to IndusInd General Insurance (formerly Reliance General Insurance).
How long is a motor insurance policy valid?
A motor insurance policy cover is generally valid for a period of one year. However, you can buy long-term motor insurance plans that can be valid for three or five years, based on the type of policy with us. We also offer short term plan options ranging from 1 month to 1 year*.
How can I change the details in my motor insurance policy?
You can change your details by submitting an endorsement request. Remember to share the necessary proof of the change. Contact us to get started.
Can I get the motor insurance policy transferred from the seller of my car?
Yes, you can transfer the motor insurance policy from the buyer. It should be done within 14 days of the sale. Provide the necessary application forms (Forms 29 and 30). Additionally, submit the transfer documents - vehicle registration certificate and proof of ownership transfer.
Here is how to transfer car insurance while buying a second-hand car.
Under what circumstances is a pre-policy vehicle inspection conducted?
A pre-policy vehicle inspection is generally carried out in the following circumstances:
- Third-party insurance needs to be converted to comprehensive vehicle insurance.
- If there is a break-in insurance, i.e., you've let your policy lapse/expire.
- Insurance needs to be obtained for imported vehicles.
- Payment received after a bounced cheque
Disclaimer
Download our Self-i App now!
Support test
Edit Policy Details
Download Policy
Check Policy Status
My Service Requests
My Bookmarks
Buy
+91 123456789
Help
+91 123456789
Agent
+91 123456789
support@reliancegeneral.co.in
WhatsApp Us
Customers can contact us between 10:00AM to 06:00 PM
Become an Agent
Wish to become an agent with Reliance?