Honda Car insurance

Honda cars are known for their sleek design, advanced technology, and smooth performance. Whether you’re commuting through city traffic or heading out for a weekend getaway, your Honda ensures comfort and reliability. But even the most dependable cars need protection and that’s where IndusInd car insurance comes in.

Imagine driving on a rainy day when a sudden skid leads to a collision. Repair costs can be overwhelming, but with our comprehensive car insurance plan, you’re covered. Add-ons like Engine Protect can save you from hefty bills caused by water damage during monsoons.

Remember, car insurance isn’t just smart, it’s mandatory for all car owners in India. So, make sure your Honda is insured with at least a third-party policy.

Get started today with IndusInd General Insurance (formerly Reliance General Insurance). Buy your policy online and keep it handy on the IndusInd Self-i app insurance at your fingertips!

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Why 5 Crore+ Policyholders Trust Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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13+ Add-On Covers*

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Up to 3 Years Coverage*

Get long term coverage

Video Claims Feature*

File claims via the Self-i app

24/7 Customer Assistance*

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Why do you need Honda Car Insurance?

Legal Mandate

Owning a Honda means you must comply with Indian law that mandates at least third-party car insurance. Driving without valid coverage can lead to penalties of ₹2,000–₹4,000 and even up to 3 months of imprisonment. So, whether you own a Honda City, Amaze, or WR-V, make sure your car is insured to avoid legal hassles and stay protected on every journey.

Covers Car Repairs

Honda cars are engineered for comfort and durability, but even the best vehicles can suffer damage from accidents or rough terrain. A single mishap can lead to costly repairs like tire blowouts or body damage. With Honda car insurance, repair expenses are covered under own damage terms, ensuring you enjoy peace of mind without worrying about unexpected bills.

Covers Car Theft

Modern Honda models like the City or Amaze can cost up to ₹12.49 lakhs*, making them attractive targets for theft. Car insurance safeguards you against such losses by reimbursing the Insured Declared Value (IDV). Opt for a Return to Invoice add-on to recover the full invoice amount, so you’re never left bearing the financial burden of a stolen car.

Covers Natural Disasters

Floods, landslides, and other natural calamities can cause severe damage to your Honda, especially in regions prone to heavy rains. Comprehensive car insurance ensures repair costs are covered. For added protection, choose the Engine Protect add-on to cover engine repairs or replacements caused by water damage during monsoons—a smart move for Indian roads.

Covers Fire and Fire-Related Damage

Fire accidents can occur due to short circuits, lightning strikes, or even parking mishaps. Repairing fire-related damage can be expensive, but with comprehensive Honda car insurance, you’re covered for repair and replacement costs. This minimizes out-of-pocket expenses and keeps your car safe from unpredictable fire hazards.

Network Garages and Spare Parts

Honda’s popularity ensures spare parts are widely available, but finding authorized service centers during long trips can be challenging. With Honda car insurance, you get access to a vast network of garages across India, ensuring genuine parts and expert repairs wherever you are. This convenience makes your insurance policy truly valuable.

Types of Honda Car Insurance Plans

Comprehensive Car Insurance

A comprehensive Honda car insurance policy gives you complete protection. It covers third-party liabilities and damages to your own car caused by accidents, collisions, or natural disasters. For instance, if your Honda City collides with another vehicle, repair costs for both cars are covered. Plus, you can enhance coverage with 10+ add-ons like Engine Protect and Zero Depreciation for maximum security.

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Pay As You Drive Car Insurance

This usage-based plan is perfect for Honda owners who drive occasionally. You pay premiums based on annual mileage, choosing limits between 2,500–10,500 km with a 125 km grace buffer*. Unused kilometers can be carried forward, and you can top up if needed. Ideal for those working from home, owning multiple cars, or using public transport frequently saving money without compromising protection.

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Third Party Car Insurance

Mandatory under the Motor Vehicles Act, this affordable plan covers damages to third-party property, vehicles, or injuries caused during an accident. For new Honda car owners, we offer a convenient 5-year policy option—pay once and stay covered for years! This ensures legal compliance and financial security without the hassle of frequent renewals.

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Own Damage Car Insurance

Already have third-party coverage? Add this standalone policy to protect your Honda against accidental damage, fire, theft, and natural calamities like floods or landslides. We offer flexible short-term* and long-term options ranging from 1 month to a year*, so you can customize coverage based on your needs and driving habits.

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Key Features of IndusInd Honda Car Insurance

Key Features	Descriptions
Starting Premiums	₹238/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Self-i App
Network Garages	11,000+* network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	10+ add-on covers available*
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs* is available
24/7 Customer Support	Available through WhatsApp and Calls

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Inclusions and Exclusion

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Accidents and Collisions: Our plan covers the repair costs for damage to your Mahindra car caused by a road accident.

Third-party Damages: Our Mahindra car insurance covers the cost of repairing damage to someone else’s vehicle or property.

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Mahindra car for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

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Depreciation: Depreciation of Mahindra car parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your Mahindra car, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

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Honda Insurance Add-On Covers

Add-ons are an excellent way to enhance your base policy coverage when you feel you need more protection for your Honda car. For example, the Engine Protect cover is ideal for those driving through flood-prone areas, while the Return to Invoice cover ensures complete peace of mind in case of total loss. At IndusInd General Insurance, we offer 10+ add-on covers* for your Honda, giving you the flexibility to customize your insurance based on your needs.

Nil Depreciation Cover

Money Saver

Ensures full reimbursement for replacing plastic, rubber, and glass parts without any depreciation deduction. Perfect for Honda owners who want flawless repairs and maximum savings on replacement costs. Save up to 50% on repair bills.

Pay As You Drive

Money Saver

Ideal for low-mileage Honda users, this add-on lets you pay premiums based on actual kilometers driven. Choose your yearly limit and enjoy cost-effective coverage without compromising protection. A smart way to control insurance expenses.

Return to Invoice Cover

Money Saver

In case of total loss or theft, this add-on bridges the gap between IDV and the original invoice value, including registration fees and taxes. It ensures you recover the full purchase price of your Honda, offering maximum financial security.

Engine & Gearbox Protection Cover

Extra Protection

Honda engines are advanced and costly to repair if damaged by water ingression or oil leakage. This add-on covers expensive repairs for critical components like pistons and crankshafts, making it essential for flood-prone regions.

Tyre Protection Add-On Cover

Extra Protection

Frequent city drives or rough roads can lead to tyre cuts or bursts. This add-on covers repair or replacement costs for damaged tyres, ensuring uninterrupted journeys and reducing unexpected expenses for Honda owners.

Key & Lock Replacement Cover

Emergency

Lost or stolen keys can be stressful. This add-on covers the cost of replacing keys and locks, including smart keys, ensuring quick recovery and security for your Honda. A must-have for convenience and peace of mind.

Consumables Cover

Extra Protection

Covers the cost of consumables like engine oil, brake fluid, nuts, bolts, and lubricants during repairs after an accident. This add-on ensures you don’t pay out-of-pocket for small but essential items that keep your Honda running smoothly.

Roadside Assistance Cover

Emergency

Provides 24x7 help for emergencies like breakdowns, towing, battery jump-starts, and fuel delivery. Ideal for long drives or unexpected situations, this add-on ensures you’re never stranded on the road with your Honda.

Personal Accident Cover for Passengers

Extra Protection

Offers financial protection for passengers in case of accidental injuries or death during a mishap. A thoughtful add-on for Honda owners who frequently travel with family or friends, ensuring everyone’s safety.

Loss of Personal Belongings Cover

Extra Protection

Compensates for loss or theft of personal belongings like laptops, mobile phones, or bags from your Honda. This add-on provides peace of mind when carrying valuables during your daily commute or long trips.

Daily Allowance Cover

Money Saver

When your Honda is in the garage for repairs after an accident, this add-on provides a daily cash allowance to cover commuting expenses. It’s a practical solution for those who rely on their car daily and want to avoid extra costs during downtime.

Emergency Transport & Hotel Stay Cover

Emergency

If your Honda breaks down far from home after an accident, this add-on covers the cost of emergency transport and hotel accommodation for you and your passengers. It’s perfect for long-distance travelers who want peace of mind during unexpected mishaps.

How to Buy and Renew

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Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

Select your car make/model and enter your car registration and previous policy details.

Input your mobile number and OTP. Next, select your policy type and the car's IDV.

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

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How to Renew

Go to the calculator on top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

Add your car’s details, such as registration number.

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Honda Car Insurance Premium

Your Honda’s insurance premium depends on several key factors. These help insurers assess risk and offer coverage that suits your car and usage. Understanding these can also help you reduce your premium and get better value.

Location of Car Registration

Where your Honda is registered matters. Cars in metro cities with heavy traffic or accident-prone zones attract higher premiums due to increased risk. Rural areas with fewer vehicles generally mean lower premiums.

Type of Coverage Chosen

The coverage you select directly impacts your premium. A basic third-party policy costs less, while comprehensive plans with add-ons like Engine Protect or Zero Depreciation increase the premium for broader protection.

Car Specifications

Your Honda’s model, age, engine capacity, and fuel type influence the premium. High-end models or cars with larger engines typically have higher premiums because repair and replacement costs are more expensive.

Your Age and Driving Record

Experienced drivers often enjoy lower premiums. If you have a clean driving history, insurers consider you low-risk. Conversely, younger drivers or those with accident records may face higher premium rates.

Modifications Made to the Car

Performance upgrades or aesthetic modifications can raise your premium since they increase risk. However, installing anti-theft devices can earn you discounts, making your Honda safer and your policy more affordable.

Claim History

Frequent claims signal higher risk to insurers, which can increase your premium. Maintaining a claim-free record often qualifies you for a No Claim Bonus (NCB), helping you save significantly on renewal costs.

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How to File

How to File a {Page Name} Claims?

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How to File a Mahindra Car Insurance Claim?

Cashless Claim

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Self-i app.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Self-i app's live video survey feature or by submitting photos.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days* after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage once repairs are done. You will only need to pay mandatory deductibles (if any).

Reimbursement Claims

Step 1: Initiate the Claim

o initiate a claim for damage, total loss or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval of your claim, we will transfer the claim amount directly to your bank account.

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Honda Car- Models and Prices

Honda offers a wide range of models that cater to every kind of driver from the stylish Honda City for urban commutes to the rugged WR-V for adventurous getaways. Each model combines cutting-edge technology, comfort, and reliability, making Honda a trusted choice for Indian roads. No matter your lifestyle, there’s a Honda designed just for you.

Honda Car Models	Ex Showroom Price
Honda Elevate	₹11.05 Lakh
Honda City	₹12.00 Lakh
Honda Amaze	₹7.45 Lakh
Honda City Hybrid eHEV	₹19.53 Lakh
Honda Amaze 2nd Gen	₹7.01 Lakh
Honda WRV	₹9.00 Lakh
Honda Elevate EV	₹20.00 Lakh

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Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

Key Takeaways

If you use your Honda for daily commutes, weekend getaways, or even long drives through challenging terrains, you already know the value of this dependable car. While Honda is designed for comfort and performance, it’s not completely immune to risks. Accidents, flash floods, or unexpected tyre damage can lead to costly repairs and downtime.

That’s why protecting your Honda with a reliable car insurance plan is essential. With IndusInd Honda Car Insurance (formerly Reliance General Insurance), you get coverage starting at just ₹238/month*, backed by 24/7 assistance and a seamless digital-first experience.

Our plans cover accidents, fires, and natural disasters like floods and earthquakes. Plus, you enjoy legal protection through third-party liability coverage, ensuring complete peace of mind on every journey.

Repairs are hassle-free with access to 11,000+ network garages nationwide. No upfront payments your bills are settled directly. And with our IndusInd Self-i app, you can file claims via video for quick and easy processing. Secure your Honda today with a personalized insurance plan that fits your needs!

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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.

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Get Tailored Car Protection With Us!

Get all-around protection for your Honda with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.