Renewal Guide
What actually changes at renewal.
What actually changes at renewal: Your premium, your cover, and your benefits can all shift at renewal. Understand what is changing before you pay.
Five checks
Before you renew, run through this list. Highlights include: Actually Changes.
Follow this verified step-by-step roadmap to make informed decisions and choose the right protection.
Renewal checklist
The short version.
do not over-insure or under-insure
drop what you do not need
Renewal Checklist
Pre-renewal verification checklist.
Renewal Mastery
Protecting discounts and avoiding policy lapses.
No Claim Bonus (NCB) Savings
NCB rewards safe drivers with discounts escalating from 20% after year 1 up to 50% after 5 claim-free years. NCB belongs to the driver, not the vehicle.
90-Day NCB Renewal Window
If a motor policy lapses, you must renew within 90 days of expiry to retain accumulated NCB bonus points.
Grace Period vs Policy Break
Health policies provide a 30-day grace period for payment while retaining continuity benefits for pre-existing disease waiting periods.
Physical Inspection Requirements
Lapsed motor policies beyond grace period require self-inspection or surveyor video assessment before renewal approval.
Seamless Renewal Steps
Four steps to hassle-free policy renewal.
Follow this verified step-by-step roadmap to make informed decisions and choose the right protection.
Renewal Checklist
Pre-renewal verification checklist.
General Insurance Council (GI Council): Motor Insurance
Read official Indian motor vehicle classifications and statutory insurance guidelines.