Dos and Don'ts for Motor Insurance - Policy Holder

Dos and Don'ts for Motor Insurance

Motor Insurance: Some Dos and Don’ts

Travelling by road is a reality and filled with danger. An accident can destroy life and families. Insurance helps with timely financial aid in case of such a tragedy. Some forms of motor insurance is mandatory under the law so you should keep informed about motor insurance.

Here are some Dos and Don’ts for buying Motor insurance


When you buy a motor insurance policy you should:

1. Know that you can buy this policy through anyone and there is no compulsion to buy it through your vehicle dealer

2. Fill the proposal form yourself even if the vehicle dealer is arranging for the insurance

3. Fill the proposal form carefully and factually and thoroughly

4. Keep a copy of the completed proposal for your records

5. Read the policy brochure/ prospectus carefully to know what is covered and what is not

6. Ask for information about add-on covers that may be available and choose what suits you

7. Give documents such as RC Book, Permit and Driving Licence to the insurance company for verification

8. Ensure that you keep these documents updated from the authorities concerned


1. Don’t let anyone else fill your proposal form

2. Don’t leave any column blank

3. Don’t forget to renew your policy without any break

4. Don’t forget to ask for the correct procedure when you buy a used car that already has insurance.

5. Don’t make false declarations about the actual use of the vehicle you are insuring