# Irdai Reforms Boost Insurance Choice

> Irdai reforms let car buyers compare insurance options without dealer pressure.
- Title: Irdai Reforms Boost Insurance Choice · Financialexpress
- Summary: Irdai reforms let car buyers compare insurance options without dealer pressure. Irdai's distribution reforms reduce dealer influence on car insurance by…
- Keywords: irdai, motor insurance, insurance premiums, vehicle dealers, commissions, new vehicles, business, money, news, Reforms, Boost, Insurance
- Source: Financialexpress — https://financialexpress.com/money/irdai-reforms-to-unlock-more-choice-lower-costs-4356286
- Author: Narayanan V
- Published: 2026-10-08T05:59:41+00:00
- Read time: 1 min
- Topics: irdai, motor insurance, insurance premiums, vehicle dealers, commissions, new vehicles, business, money, news
## Irdai Distribution Reforms
Irdai proposed changes could lower motor insurance premiums for new vehicles and increase consumer choice by reducing dealer influence.
## Dealer Commission Impact
Motor dealers earn 15-40% commissions on new vehicle insurance, with maximum rates up to 75%.
## Customer Choice Benefits
Buyers can compare insurance products via QR code without dealer pressure for first-year purchases.
## Commission Caps
Dealers earn 5% on new vehicle own-damage cover versus previous 26% average commission.
## Market Competition
Reforms reduce dealer control over insurance renewals and cashless repair facilities.
## Key takeaway

Irdai's distribution reforms reduce dealer influence on car insurance by capping commissions at 5% for new vehicles.