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.
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.
General Insurance Council (GI Council): Motor Insurance
Read official Indian motor vehicle classifications and statutory insurance guidelines.