Tick off each check before you pay the renewal premium on your car or two-wheeler.
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Use this checklist in the month before your motor policy expires. It works for private cars and two-wheelers, comprehensive and standalone own-damage policies. Your ticks are saved only in this browser.
Why the order matters. Fixing your details first (NCB, CNG kit, ownership, licence) means every quote you collect is priced on correct facts. A quote built on a wrong NCB or an undeclared modification can look cheap and then be cancelled or cut at claim time. Comparing on identical IDV, deductible and add-ons is the only way to see the real price difference; the worked renewal comparison shows how.
Example. If your policy expires at midnight on 14 November, pay the renewal by 13 November so the new cover starts on 15 November at 00:00. If you miss it, the vehicle is uninsured for every hour of the gap, and the insurer may require an inspection before cover resumes; after 90 days the NCB is lost.
Limits. The checklist does not replace reading the policy wording. If your vehicle has been modified, is used for business or is jointly owned, ask the insurer in writing how it is covered. See the full renewal checklist guide.
Renewal Maths and Checklists
A dated, step-by-step car insurance renewal checklist for India, from NCB and RC details to comparing quotes, paying safely and checking the new policy on Vahan.
Renewal Maths and Checklists
What happens legally and financially when Indian motor insurance lapses, how break-in renewal and vehicle inspection work, and how to keep your NCB within 90 days.
