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Renewals

Renew on time, and keep what you have earned.

A renewal is the moment to check your cover still fits — and the moment a lapse costs most. Tell us which policy and when it expires, and an advisor will call before it does.

In short

  • Keep your no-claim bonus and the waiting periods you have already served.
  • Review the sum insured, the members and the add-ons while you can still change them.
  • A call before the due date, in English, Bengali or Hindi.

Before you renew

What a renewal decides, policy by policy.

Health insurance

  • Renew before the due date. Most policies allow a short grace period to keep continuity, but a claim during it may not be covered — check your wording.
  • Review the sum insured against today’s hospital costs, and add or remove members.
  • Thinking of changing insurer? Portability carries eligible waiting-period credits across. Apply 30 to 60 days before renewal.

Motor insurance

  • There is no grace period: cover ends on the expiry date, and driving uninsured is an offence.
  • Check the insured declared value and the add-ons you still need.
  • After a lapse an inspection is usually required, and the no-claim bonus is lost once the gap passes 90 days.

Life insurance

  • Premiums carry a grace period of thirty days, or fifteen for monthly payment. Cover stops if the premium is still unpaid after it.
  • A lapsed policy can usually be revived within the period the policy allows, subject to arrears and health checks.
  • Check that the nomination is still right.

Renew directly with your insurer

Each insurer’s own renewal page and service line, read from their website. Would rather we handled it? Use the form.

Read from each insurer’s own website on 11 October 2026. Insurers change numbers and pages; their website has the final word.

Why renew with an advisor

A reminder in good time

We call before the due date, not after it.

A review, not a repeat

Cover that suited you three years ago may not suit you now.

The paperwork handled

Changes to the proposal, inspections and no-claim bonus certificates, arranged.

The renewal itself is with your insurer, and the premium and terms are the insurer’s. We help you review the cover and arrange it.

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