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You can choose four-layer motor insurance cover from 15 December: What IRDAI's new rules mean for car and bike owners

You can choose four-layer motor insurance cover from 15 December: What IRDAI's new rules mean for car and bike owners

What's behind this

From 15 December 2026, the Insurance Regulatory and Development Authority of India (IRDAI) will implement a four‑layer motor insurance structure for private cars and two‑wheelers, giving owners the option to select specific cover levels that match their needs. The regulator also requires insurers to provide a customer option form and transparent premium disclosures, enabling buyers to understand the protection offered and make informed choices.

AI-generated overview from 2 outlets. It summarises their reporting and adds no reporting of its own.

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  • right · 2 outlets

    From 15 December 2026, car and two-wheeler owners will get four clearly defined motor insurance cover options. IRDAI mandates a customer option form and transparent premium disclosures, helping buyers understand available protection and make informed choices.

    — Livemint

RSS excerpt

From 15 December 2026, car and two-wheeler owners will get four clearly defined motor insurance cover options. IRDAI mandates a customer option form and transparent premium disclosures, helping buyers understand available protection and make informed choices.

Coverage arrived over 21 hours — first from Livemint, latest from NDTV.

✓ Corroborated Coverage 2 news outlets reporting

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Livemint Center-Right HT Media Ltd. Current article

You can choose four-layer motor insurance cover from 15 December: What IRDAI's new rules mean for car and bike owners

From 15 December 2026, car and two-wheeler owners will get four clearly defined motor insurance cover options. IRDAI mandates a customer option form and transparent premium disclosures, helping buyers understand available protection and make informed choices.

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