Car insurance premiums starting at just ₹238/month*
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Up to 90% Discount*
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11,000+ Network Garages*
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AI-Assisted Claims via Self-i*
Short-Term Car Insurance
Short-term car insurance is an ideal option for insurance coverage if you own, borrow or rent a car for a short period. It offers coverage against various risks and the flexibility to choose the policy duration.
IndusInd General Insurance offers short-term car insurance plans for one day, one week, 15 days, one month and three months. This temporary car insurance coverage is available under our own damage car insurance policy.Here is everything you need to know about this temporary car insurance online.
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 PAY-As-You-Drive plans, IndusInd Car Insurance (formerly Reliance Car Insurance) is custom-built for today’s drivers. We also offer AI-assisted claims processing via the Self-i app to ensure faster, more accurate claims decisions. Here's how we go the extra mile -
13+ Add-ons Available*
We also offer EV-specific add-ons!
Easy to Buy, Renew & Claim*
All possible via the Self-i app
Video Claims Feature*
File instant mobile claims via our app
24/7 Breakdown Assist*
Get quick support anywhere in India
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.
Short-Term Car Insurance:Inclusions and Exclusions
What is Covered?
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.
What is Not Covered?
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 car 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
Visit our Car Insurance Online page 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.
Pay the applicable premium and buy the temporary car insurance policy instantly
Renew Online
Visit our Car Insurance Online 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 car 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
Cashless
Step 1
Notify us about the incident by calling us on our paid helpline number - +91 22 48903009 or using the IndusInd Self-i 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
Reimbursement
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
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.
IndusInd General Insurance
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Car insurance starting at just ₹238 per month*!
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Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.>The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued. The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like InduInd Limit Sure-Pay As You Drive.
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