Buy car insurance in Indore starting at just ₹238/month*
-
11,000+ Network Garages*
-
13+ Add-On Covers*
-
Up to 90% Discount*
Car Insurance in Indore
Indore, recognized as the commercial powerhouse of Madhya Pradesh, boasts a fast-evolving urban environment where vehicle ownership is both a necessity and a responsibility. With increasing traffic and expanding city limits, ensuring your car is adequately protected is more important than ever. At IndusInd General Insurance, we go beyond the basics—offering car insurance that’s not just about meeting legal obligations, but about providing peace of mind and financial security for your prized vehicle.
Our diverse portfolio of car insurance plans is thoughtfully designed to cater to the unique needs of Indore’s residents. Whether you're maneuvering through the bustling lanes of MG Road, driving across Rajwada, or commuting to the city's growing outskirts, our coverage options offer robust protection against accidents, theft, natural calamities, and more. With IndusInd, you get reliable support, quick claim settlements, and customizable plans that align with your lifestyle and driving habits.
Why Should You Buy Car Insurance in Indore?
Stats About Indore Traffic
Indore’s vehicle count has crossed 2 crore, with over 9 lakh new registrations in 2024–25. Rising traffic and growing EV usage increase the risk of accidents, especially in busy areas like Vijay Nagar and Ring Road. Comprehensive car insurance offers protection against damage, weather-related issues, and roadside emergencies—making it essential for every Indore driver.
At IndusInd General Insurance, we understand the importance of road safety. That’s why we offer comprehensive protection with customisable add-ons and 100% digital policies for car owners in Indore.
Easy to Buy, Renew & Claim*
All possible via the Self-i app
Up to 3 Years Coverage*
Get long term coverage
Video Claims Feature*
File claims on your phone!
24/7 Customer Support*
Get help anywhere in Indore!
Key Features of Car Insurance in Indore
Drive safe from Indore’s bustling streets to the serene outskirts – our car insurance is crafted to suit your needs. Choose from four tailor-made policies and a wide range of add-on covers for complete protection.
Key Features | Description |
|---|---|
Affordable Premiums | Starting at just ₹238/month* |
Coverages Offered | Comprehensive coverage (Third-party+own-damage) |
Personal Accident Cover | Up to ₹15 lakhs* optional PA cover |
Tailored Add-ons | Over 13 Add-ons with 3 EV-Specific Add-ons* |
Digital-First Approach | Seamless buying and renewal via our website or Self-i App |
Instant Claims | Via video streaming on the Self-i App |
Quick Surveys | Claim survey within 24 hours of initiation* |
Loyalty Rewards | 50%* No Claim Bonus + up to 90%* Online Discounts |
24/7 Support | 24/7 assistance via Phone, WhatsApp and Email |
Disclaimer: The values mentioned above are subject to change. Please refer to the official policy documents for detailed information or contact us.
Types of Car Insurance in Indore
Comprehensive Car Insurance
Comprehensive car insurance offers complete protection for your vehicle against damage and third-party liability under one plan. Perfect for new cars or families who use their car daily, as it provides all-around coverage. You can also enhance protection with 18 add-ons and specialized EV options.
Pay-As-You-Drive Insurance (PAYD)
Pay-as-you-drive lets you pay based on the kilometers you actually drive, ranging from 2,500 to 10,500 km yearly. Ideal for those who use their car occasionally or for weekend trips. Advanced telematics ensure accurate tracking and flexible top-up options so you’re always covered.
Own-Damage Car Insurance (OD)
If you already have third-party cover, you can buy own-damage insurance to protect your car. This plan covers damage from accidents, natural disasters, and total loss due to theft. For example, if your car’s undercarriage is damaged on Indore’s rough roads, this plan pays for repairs so you don’t have to.
Third-Party Car Insurance (TP)
Third-party insurance is mandatory for every car owner in Indore. It covers damage caused to other people, their vehicles, or property by your car. Without it, you face fines from ₹2,000 to ₹24,000 and up to 3 months of imprisonment. Choose from long-term (3 years) or short-term (1 year) plans for complete compliance.
What is Covered?
Accidents - Covers repair costs when your vehicle gets damaged in road accidents or collisions.
Fire Damage - Covers car repair expenses for fire, explosion or lightning damage.
Natural Disasters - Covers car damage from floods, storms, earthquakes, etc.
Third-Party Claims - Covers damage or injury you cause to others or their property.
Transit Damage - Covers damage while transporting your car by road, rail or air.
Theft Protection - Financial protection against car theft or break-in damage.
What is Not Covered?
Regular Wear and Tear - You’re covered for repair bills, but coverage of wear & tear of parts is excluded.
Engine Breakdown - Engine-specific failures not associated with accidents will require add-on coverage.
Illegal Activities - We cover all accidents in Indore , but not those from unlawful driving activities.
International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.
Disclaimer: Please refer to official policy documents for complete details.
Let’s keep your Indore rides safe!
Call our Indore team now
IndusInd Car Insurance Add-On Covers In Indore
Explore some of the most popular add-on covers available with our car insurance plans. Check your policy documents or contact us for customization options.
Nil Depreciation
Get full claim without deduction for depreciation on car parts. This add-on ensures you receive the entire cost of replaced parts during repairs. Perfect for new cars or comprehensive plans. Drive stress-free knowing your expenses are covered.
Pay-As-You-Drive
Pay premium based on the kilometers you drive. Ideal for those who use their car occasionally and want to save on costs. Flexible and budget-friendly coverage for low-mileage drivers. Enjoy insurance that matches your lifestyle.
Return to Invoice (RTI)
In case of total loss or theft, get the original invoice value of your car. This add-on covers the gap between IDV and purchase price. It also includes registration and road tax costs. A smart choice for new car owners.
Engine Protection Cover
Protect your engine from damage due to water ingression or oil leakage. This add-on covers costly repairs that standard policies don’t. Essential for areas prone to flooding or heavy rains. Keep your car’s heart safe and sound.
Tyre Protection
Covers repair or replacement of damaged tyres and tubes. Ideal for cars driven on rough roads or highways. Prevent unexpected expenses from punctures or bursts. Drive confidently without worrying about tyre damage.
Key & Lock Replacement
Lost or stolen keys? This add-on covers the cost of replacing keys and locks. Avoid the hassle and expense of security breaches. Quick and convenient solution for emergencies. Stay secure and worry-free.
Consumables Cover
Get coverage for small but essential items like nuts, bolts, and lubricants during repairs. These costs are usually excluded in standard policies. This add-on ensures complete protection for your car. No hidden expenses during claims.
Rim Protection
Protect alloy wheels from accidental damage. Covers repair or replacement costs for rims. Ideal for premium cars with expensive wheels. Keep your car stylish and safe without extra burden.
24/7 Roadside Assistance
Get help anytime, anywhere for breakdowns or emergencies. Services include towing, fuel delivery, and minor repairs. Perfect for long drives or unexpected situations. Drive with confidence knowing help is just a call away.
Loss of Personal Belongings
Covers theft or loss of personal items from your car. Includes gadgets, bags, and other valuables. A practical add-on for city drivers and travelers. Stay protected against unforeseen losses.
Daily Allowance
Receive a daily cash allowance when your car is in the garage for repairs. Helps cover travel expenses during downtime. Ideal for those who rely on their car daily. Keep your routine uninterrupted.
EMI Protection
Covers your car loan EMIs if your vehicle is stolen or totaled. Prevents financial stress during tough times. A must-have for financed cars. Stay worry-free about your monthly commitments.
NCB Retention Cover
Retain your No Claim Bonus even after making a claim. This add-on helps you save on future premiums. Ideal for maintaining long-term benefits. Drive confidently without losing rewards.
Electrical Accessories
Covers damage to electrical accessories like music systems or navigation units. Perfect for cars with high-end gadgets. Protect your investments from unexpected mishaps. Enjoy uninterrupted comfort and entertainment.
Non-Electrical Accessories
Provides coverage for non-electrical accessories such as seat covers and alloy wheels. Ideal for those who have customized interiors. Keep your car’s look and feel protected. Drive with style and confidence.
Voluntary Protection
Choose a voluntary deductible to lower your premium. This add-on gives flexibility to manage costs. Ideal for safe drivers who rarely claim. Save more while staying insured.
Electric Vehicle Charger
Covers repair or replacement of your EV charger in case of damage. Essential for electric car owners. Ensures smooth charging without extra costs. Drive green with complete peace of mind.
Brake Motor Protect
Protects your car’s braking system from accidental damage. Covers repair or replacement costs for critical components. Ideal for safety-conscious drivers. Keep your car’s performance at its best.
Geo Extension Cover
Extends policy coverage to 6 neighbouring countries, including Nepal, Bhutan, Bangladesh and Sri Lanka. This add-on is perfect for international road trips from India and ensures your car remains insured even outside India.
11,000+ Cashless Garages*
Video Claims on Mobile
Up to 90% Discount*
Disclaimer: For updated information regarding claims, kindly refer to our policy documents or get in touch with our customer helpline.
Key Takeaways
Indore has seen a sharp rise in vehicle ownership, contributing to high traffic density across the city. With busy roads, unpredictable weather, and expanding urban zones, car owners face risks from both accidents and environmental factors.
In 2025, Indore recorded thousands of road accidents, with dents, bumper damage, and body repairs being the most common claims. Seasonal rains also bring risks like waterlogging, engine damage, and debris-related windshield cracks. These challenges make comprehensive car insurance not just a choice—but a necessity.
That’s where IndusInd Car Insurance steps in. Our plans cover accident-related damage, natural disasters, and theft. You also get access to 11,000+ cashless garages, 24x7 customer support, and easy claim filing through the Self-i app—all designed to keep you protected and stress-free.
With IndusInd General Insurance (formerly Reliance General Insurance), you can drive confidently knowing your car and finances are in safe hands.
Reliance General Insurance
Aapke Protection ka All-rounder
InduInd general Insurance
Begin your career with us!
We want to score perfectly for world standard services & products, and want to be your first choice in domestic as well as global markets.
Relevant Links for Car Insurance
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.
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?