New Car Delivery Checklist: Insurance Mistakes to Avoid on D-Day

Buying car insurance today is quicker and simpler than ever, thanks to digital platforms and online insurers. You can now compare plans, choose add-ons, and even get your policy in minutes without the hassle of endless paperwork. But while the process is easy, many buyers still make costly mistakes during new car delivery, especially when it comes to insurance. A small slip on D-day can mean higher premiums, limited coverage, or even legal trouble later. That’s why it’s important to know the common insurance mistakes to avoid before you drive your new car home.

Here’s the list of mistakes you must avoid on D-day.

Showrooms usually bundle insurance with the car deal, but this is not always the most affordable or suitable option. Dealers may push certain insurers for higher commissions.
Take a few minutes to compare new car insurance online. It often works out cheaper, gives you more add-on options, and you can still get your policy issued instantly before taking delivery.

Third-party insurance is the minimum requirement, but it only covers damage to others and not your own car. For a brand-new vehicle, that’s a risky bet. So, go for a comprehensive policy. It costs more than basic third-party but covers your own car against accidents, theft, fire, and natural disasters.

A common mistake is skipping add-ons to save on the premium. But if something goes wrong, the repair bill for a new car can be steep. Some popular add-ons you should consider:

Some buyers don’t check how the premium is calculated and just pay whatever the dealer quotes. The fact is that the new car insurance price depends on factors like the car’s IDV (current market value), engine size, and your city. Understanding these basics will help you judge if you’re being overcharged.

Since 2018, IRDAI has made it mandatory for new cars to come with a three-year third-party insurance cover at the time of purchase. Skipping this or buying a one-year cover will create problems during registration. So, make sure your delivery paperwork clearly mentions the long-term third-party policy along with own-damage cover (if opted).

Driving home a new car is a memory you’ll always cherish, but it’s equally important to make sure your insurance is sorted before you leave the showroom. Skipping checks or rushing through the process can lead to higher costs and stress later. Take a few extra minutes on delivery day to review your insurance for new car, compare options, and understand what you’re paying for.