Car Insurance in Punjab

Punjab, a land of vibrant culture, iconic landmarks like the Golden Temple, and agricultural prosperity, is also rapidly evolving with urban growth, expanding road networks, and a surge in vehicle ownership. As cities grow busier and traffic becomes denser, the need for reliable car insurance becomes more critical than ever. IndusInd General Insurance offers comprehensive car insurance in Punjab that not only protects your vehicle from accidents, theft, and natural calamities but also supports the Punjab government’s progressive ‘Vision Zero’ initiative aimed at reducing road fatalities. Our plans are designed to give you peace of mind while driving through Punjab’s dynamic roads—whether you're navigating city traffic or cruising through rural highways. With features like quick claim settlement, cashless garages, and 24x7 assistance, we ensure you're always covered against the unexpected. Choose IndusInd General Insurance to stay protected, drive confidently, and contribute to a safer Punjab.

Why Should You Buy Car Insurance in Punjab?

Protection Against Weather-Related Damage

Punjab experiences extreme weather—from heavy monsoon rains to dense winter fog. These conditions can lead to accidents or water damage to your car’s engine. With comprehensive car insurance, you're covered against such unpredictable events, saving you from costly repairs.

Accidental Damage Coverage

Punjab’s roads are busy year-round, especially in urban hubs like Chandigarh and Jalandhar. Whether it’s a minor collision or a major accident, car insurance ensures you don’t have to bear the financial burden of repairs. Our plans cover accidental damage so you can drive worry-free.

Quick Cashless Claims

We’ve partnered with over 11,000+ network garages across India, including many in Punjab, to offer cashless claim services. Plus, with our easy-to-use Self-i app, you can file video claims in minutes—no paperwork, no hassle.

24/7 Roadside Assistance

From flat tyres on the GT Road to fuel issues in remote areas, our 24/7 roadside assistance has your back. Whether you're stuck during a late-night drive or facing a breakdown in bad weather, help is just a call away.

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Traffic Stats in Punjab

With over 8 lakh new vehicle registrations in 2024–25, Punjab now has more than 2 crore registered vehicles. Cities like Ludhiana and Amritsar report frequent road accidents, especially during foggy winters. Rising EV usage and traffic density make car insurance a must for protection, repairs, and roadside support.

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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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Easy to Buy, Renew & Claim*

All possible via the Self-i app

Up to 3 Years Coverage*

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Video Claims Feature*

File claims on your phone!

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Key Features and Benefits of IndusInd Car Insurance in Punjab

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Key Features	Description
Affordable Premiums	Starting at just ₹238/month*
Coverage Offered	Comprehensive coverage (Third-party + Own damage)
Personal Accident Cover	Optional PA cover up to ₹15 lakhs*
Tailored Add-ons	Choose from 13+ add-ons, including 3 EV-specific options*
Digital-First Approach	Quick purchase and renewal via our website or Self-i App
Instant Claims	Hassle-free claim process with video streaming on 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	Assistance via Phone, WhatsApp, and Email

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Features	Features
Premium starting at	Premium starting at

Disclaimer: Features and benefits are subject to change. Please refer to official policy documents for details or contact us.

Types of Car Insurance Available in Punjab

Comprehensive Car Insurance

Get full protection for your car and third-party liabilities in one plan. Ideal for all-round coverage, with 13+ add-ons and 3 EV-specific options for electric vehicle owners.

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Pay-As-You-Drive (PAYD)

Drive less, pay less. Perfect for weekend drivers or occasional users. Premiums are based on actual kilometers driven, tracked via smart telematics.

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Own-Damage Insurance (OD)

Already have third-party cover? Add OD to protect against accidents, natural disasters, and total loss. No out-of-pocket repair costs—even for undercarriage damage on rough roads.

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Third-Party Insurance (TP)

Mandatory by law. Covers damage to others caused by your car. Avoid fines and penalties with affordable 1-year or 3-year plans.

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Inclusions & Exclusions

Car Insurance in {Page Name}: Inclusions and Exclusions

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Location - Car Insurance

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.

Location - Car Insurance

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 {Page Name} , but not those from unlawful driving activities.

International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.

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IndusInd Car Insurance Add-On Covers in Punjab

Enhance your car insurance policy with these valuable add-ons designed for Punjab's driving conditions:

Nil Depreciation

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Get the full claim amount without deductions for part depreciation. Ideal for reducing repair costs, especially for new cars. Ensures maximum value during claims.

Pay-As-You-Drive

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Premiums depend on how much you actually drive. Perfect for occasional drivers or city commuters. Save money if your car runs less.

Return to Invoice (RTI)

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In case of total loss, receive the full invoice value of your car. Bridges the gap between market value and purchase price. Great for new car owners.

Engine Protection Cover

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Covers engine damage from waterlogging or oil leakage. Essential during Punjab’s heavy monsoon season. Protects against costly repairs.

Tyre Protection

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Covers repair or replacement of damaged tyres. Ideal for rough terrains and pothole-prone roads. Keeps your car running smoothly.

Key & Lock Replacement

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Pays for replacing lost or stolen keys and locks. Saves you from unexpected expenses and hassle. Convenient for emergencies.

Consumables Cover

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Includes small parts like nuts, bolts, and lubricants. Ensures complete coverage during repairs. Avoid out-of-pocket costs.

Loss of Personal Belongings

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Compensates for items lost or damaged in your car. Covers theft or accident-related losses. Adds extra security for valuables.

24/7 Roadside Assistance

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Get help anytime—towing, fuel, minor repairs, and more. Peace of mind wherever you drive in Punjab. Quick support in emergencies.

NCB Retention Cover

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Retain your No Claim Bonus even after a minor claim. Keeps your premium benefits intact. Ideal for long-term savings.

Daily Allowance

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Receive daily travel allowance while your car is in the garage. Helps cover transport costs during repairs. Stay mobile without extra burden.

Electrical Accessories Cover

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Covers damage or theft of installed electrical accessories. Perfect for cars with custom audio or lighting systems. Protects your upgrades.

RIM Protection

Best Seller

Covers accidental damage to your car’s rims. Great for premium wheels or alloy rims. Maintains your car’s stylish look.

Baggage Cover

Best Seller

Protects your luggage from theft, accidents, or natural disasters. Covers everything from suitcases to shopping bags. Travel worry-free.

EV Charger Cover

Best Seller

Covers damage to your home EV charger due to fire or hazards. Essential for electric vehicle owners in Punjab. Safeguards your charging setup.

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How to Buy and Renew IndusInd Car Insurance in {Page Name} ?

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Location - Car Insurance

Buy Online

Scroll up to the form on top and enter car details and mobile no. You can use our calculator below to check SI and premium.

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

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

Select any add-ons you require, then review the policy details and final price.

Pay online and finish the CKYC with your PAN details to receive your car policy.

Location - Car Insurance

Renew Online

Navigate to the form on top of this page of this page and select ‘Renewal’ and begin your car insurance renewal instantly.

Enter your policy number or vehicle registration number.

Check and update the address or other information if required.

Pick new add-ons if you want additional coverage options.

Make payment online and get your policy renewed right away.

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How to File?

How to File a Claim in {Page Name}

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How to File?

Cashless Claim

Step 1

Report the accident or damage through the Self-i app immediately after the incident.

Step 2

A surveyor is automatically assigned based on your location to inspect the damage at the network garage or accident site. To check the list of our cashless network garages near you instantly, use the widget below.

Step 3

You can also use the Self-i app to conduct an online survey with photos and a live video call with the surveyor.

Step 4

Submit documents such as insurance policy, RC book, driving license, FIR and repair estimates.

Step 5

Get the vehicle repaired at a network garage and then we will settle the bills directly with the garage.

Reimbursement Claim

Step 1

Call customer service at 022-48903009 to inform us about the accident or damage to the vehicle.

Step 2

The network team contacts you within 24 hours and allocates a surveyor for damage assessment.

Step 3

The surveyor visits the location to inspect the damage, take photographs and prepare a detailed inspection report.

Step 4

Submit the insurance policy, RC book, driving license, FIR and paid repair estimates for verification.

Step 5

Pay the garage bills first, then submit the paid invoices to us for reimbursement.

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Key Takeaways

Punjab’s roads are always buzzing, with over 400 vehicles per 1000 people. Whether you're driving through Ludhiana’s busy lanes or navigating rural stretches during monsoon, car owners face a mix of risks—from traffic accidents to unpredictable weather. Thousands of road mishaps are reported every year, with dents, bumper damage, and costly repairs being common. Add seasonal challenges like heavy rains, hailstorms, and flooding, and you’re looking at potential engine trouble, broken windshields, and damage from falling debris. That’s why having reliable car insurance isn’t just smart—it’s essential. With IndusInd Car Insurance, you’re protected against both man-made and natural risks. Whether it’s a minor scratch or major flood damage, we’ve got you covered. Enjoy access to 11,000+ cashless garages across India, 24x7 customer support, and easy policy management through the Self-i app—where you can file claims, renew policies, and update details right from your phone. With IndusInd General Insurance (formerly IndusInd General Insurance), you can drive with confidence knowing your car and your finances are well protected.

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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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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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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.