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INSURANCE RULES

IRDAI motor insurance renewals face new uncertainty

A proposal on distributor commissions has opened a question about policies already on the books.

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WHAT CHANGED

Commission caps are proposed

23 Sep 2026

IRDAI released a two-part consultation paper on insurance distribution economics.

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MOTOR COVER

New-vehicle third-party cover could see zero

0%

The draft proposes nil commission for distribution entities on this category.

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RENEWAL QUESTION

Existing policy payouts need clarity

Distributors are seeking to know whether future renewals of existing policies are included.

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What vehicle owners can check

The proposal is not a final rule; current policy terms and applicable rules still matter.

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Get the full breakdown

Sources, numbers and what to watch next.

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Read: IRDAI motor insurance cap proposal leaves existing renewals unclear