How to Read Your Car Insurance Policy Document in India

In this short

• CAR INSURANCE Read Your Policy Before Paying Verify cover, dates, IDV, NCB, deductibles and exclusions in the document.
• START HERE Match The Car To The RC Registration, variant, fuel type, owner and financier details must line up.
• THE NCB LINE NCB Applies To Own Damage 20%–50% IRDAI's current range is a discount on OD, not the third-party premium.
• COVER DATES Sections Can End Separately 1 year + 3 years A new private-car bundled policy has one year of OD and three years of TP under IRDAI's description.
• CLAIM COST Read The Excess Amount ₹500 IRDAI lists this as the normal standard excess for a private car before any additional excess.
• QUOTE CHECK Premium Is Only One Line Reconcile IDV, taxes, add-ons, exclusions, claims contact and the final PDF.
• READ THE FULL GUIDE Get the complete breakdown Numbers, comparisons and what to check next.