What to have ready and to check before you renew a policy.
A general checklist does not replace your policy wording or the list your insurer gives you for your claim. Ask the insurer what it needs in your case.
| Document | What it is for | When it may be needed | Differs by insurer? |
|---|---|---|---|
| Renewal notice or current policy number | Shows the premium and any changed terms. | Always | Usually the same |
| Renewal date and grace period | Avoids a break in cover. | Always | Yes, can differ |
| NCB certificate from the previous insurer | Carries the No Claim Bonus to a new insurer. | Motor, when changing insurer | Yes, can differ |
| Previous policies | Prove continuous cover when porting a health policy. | Health porting | Yes, can differ |
| Changes to declare | New illness, members, address or vehicle changes, as the insurer asks. | When something changed | Yes, can differ |
| Payment receipt and renewed policy document | Proof of renewal; check names, sum insured and add-ons. | Always | Usually the same |
Last reviewed on 18 October 2026.
Official resources
- IRDAI policyholder website (opens in a new tab)IRDAI's site for policyholders: consumer education and how to complain.
Addresses checked on 19 October 2026.