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MOTOR INSURANCE

IRDAI Targets Motor Cover Commissions

A consultation could change how mandatory third-party insurance is sold, but the draft is not final.

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WHAT CHANGED

Third-Party Commission Could Be Zero

0%

The proposed ceiling for distribution entities on mandatory motor third-party cover.

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THE OTHER CAP

Agents Could Get 2.5%

2.5%

The consultation proposes this limit for agents and associates on the same cover.

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WHY IT MATTERS

Commissions Need More Visibility

24%

IRDAI’s FY2024-25 motor-insurance analysis reported this average, with rates ranging from 13% to 50%.

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WHAT HAPPENS NEXT

Comments Close 25 October

25 Oct 2026

The commission grids, disclosures and bundling safeguards can still change before final rules.

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READ THE FULL STORY

Check What The Draft Means

See the buyer checks, proposed safeguards and what remains unchanged today.

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Get the full breakdown

Sources, numbers and what to watch next.

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Read: IRDAI proposes zero commission on motor third-party cover for buyers