Motor Insurance Renewal Checklist India: IDV, Add-ons and Claim Conditions
Renewal is a chance to check whether motor insurance still matches the vehicle and its use. Compare equivalent cover, not just the lowest premium.
Check cover and IDV
Confirm whether you need third-party, own-damage or comprehensive cover. Review the insured declared value and understand how it affects theft or total-loss settlement under the policy wording. Verify registration and vehicle details.
Review add-ons
Depending on eligibility, options may include zero depreciation, roadside assistance or engine protection. Read limits, exclusions and conditions; similar product names do not guarantee identical cover.
Understand deductibles and exclusions
Check compulsory and voluntary deductibles, depreciation and claim conditions. Be accurate about vehicle use and prior claims; do not conceal material information to reduce the price.
Check claims support
Review cashless garage availability in places you use, reporting deadlines and inspection requirements. Save the policy document and insurer helpline.
Before paying
- Compare total premium and taxes.
- Verify the insurer and intermediary.
- Read policy wording and proposal details.
- Confirm the cover start date.
- Save payment confirmation.
Use IRDAI for official insurance information. More guides: The Infinity Company; WhatsApp +91-7290007100.