Pay-As-You-Drive Car Insurance in India: Km Bands and Claims

In this short

• CAR INSURANCE How Pay-As-You-Drive Cover Works Understand kilometre limits, telematics and claim conditions before choosing a usage-linked policy.
• WHAT CHANGES Usage Can Shape Own-Damage Cover 5 Jul 2022 IRDAI permitted Pay As You Drive and Pay How You Drive add-ons for motor own-damage policies.
• THE LIMIT Kilometres And Duration Both Matter A published policy wording uses whichever limit arrives earlier for its own-damage add-on.
• THE DATA Telematics Can Measure Driving 10 points One current wording uses a driving score; other products may use different data or self-declaration.
• WORKED EXAMPLE A Product Formula Is Not A Promise 4.1% An example in one published wording shows how a product-specific no-claim calculation works.
• CHECK BEFORE PAYING Read The Policy And Data Terms Verify base cover, IDV, kilometres, top-up rules, consent and claim conditions.
• READ THE FULL GUIDE Get the complete breakdown Numbers, comparisons and what to check next.