IRDAI Surveyor LOP study plan

Map the structure of the Insurance Surveyors and Loss Assessors Regulations, 2015 chapter by chapter and note which chapter governs licensing, which governs conduct, and which governs discipline

List the eligibility criteria for grant of a surveyor licence, including qualification, experience, and the categories of surveyor licence, and state the practical effect of each category on the type of loss a surveyor may handle

Explain the application, renewal, and fee process for a surveyor licence in sequence, identifying the point at which the licence lapses if renewal is not applied for

Identify the grounds on which a licence may be cancelled or suspended and the difference between a licence action and a disciplinary action

Summarise the duties of a surveyor towards the insurer, the insured, and the regulator as set out in the Regulations, and separate duties that are mandatory from those that are merely good practice

Explain the code of conduct provisions on conflicts of interest, including restrictions on accepting work from more than one party to the same claim and on holding a financial interest in the insured property

Describe the record-keeping and report-submission timelines a surveyor must meet, and state who is entitled to receive the survey report

Outline the disciplinary mechanism, including the role of the Authority in inquiries, the penalties available, and the appeal route

Distinguish the surveyor's role from that of the insurer's own claims officer and from an independent loss adjuster engaged outside the regulatory framework

Explain the principles of indemnity, insurable interest, utmost good faith, proximate cause, contribution, and subrogation, and apply each to a short fact pattern

Distinguish fire, marine, motor, engineering, liability, and miscellaneous products by the perils covered, the basis of sum insured, and the typical exclusions

Interpret the standard policy conditions on commencement and termination of cover, alteration of risk, and the effect of non-disclosure and misrepresentation on a claim

Work through the treatment of under-insurance and average clauses, excess and deductible, and salvage, and calculate the payable amount in each case

Analyse how policy wording determines the scope of a surveyor's investigation, and identify the clauses that most often decide whether a loss is payable

Explain the surveyor's first-response sequence: verifying the policy is in force, confirming the risk insured matches the loss, and securing the site and evidence

Describe how to record the cause of loss using the proximate cause test, and distinguish an insured peril from an excluded peril in a borderline case

Outline the evidence a surveyor should collect for fire, motor, and marine cargo losses, and state which documents establish quantum as against cause

Explain the structure of a survey report, including the sections on policy particulars, risk description, cause of loss, quantum assessment, and recommendation

Distinguish total loss from partial loss, and constructive total loss from actual total loss, and state how the distinction changes the recommendation

Apply the methods of loss assessment for property, stock, and machinery, including depreciation, reinstatement, and salvage realisation, and state when each method is appropriate

Identify the red flags of a fraudulent or exaggerated claim and describe the neutral, evidence-based language a surveyor should use when reporting suspicion

Explain the surveyor's duty to give reasons for a recommendation, and rewrite three weak report conclusions into conclusions that state the finding, the evidence, and the recommendation

Describe the policyholder's rights during a claim, including the right to be informed of the surveyor's findings and the right to fair treatment, and state what a surveyor must not do when dealing with a vulnerable claimant

Explain the conflict-of-interest rules that apply when a surveyor is offered work by an insured directly, and state the correct course of action

Describe how to handle a request to alter or soften a finding, and state the professional and regulatory consequences of doing so

Summarise the policyholders' protection framework relevant to claims handling, including grievance redressal, the role of the Insurance Ombudsman, and the timelines a claimant can expect

Explain the surveyor's obligations on confidentiality, data handling, and retention of claim records, and state how long records should be kept and why

Describe the consequences of a breach of the code of conduct, from warning to licence cancellation, and identify the conduct that most often triggers disciplinary action

Explain how a surveyor should manage a complaint against their own report, including the escalation route and the duty to cooperate with an inquiry

Consolidate the regulatory, product, assessment, and conduct domains into a single revision map linking each regulation to the practical step it governs

Re-derive the key calculations (average, excess, depreciation, salvage, total loss) from memory without notes

Rehearse report writing to time, producing a structured report outline in 20 minutes for an unseen scenario

Identify the three weakest areas from earlier weeks' deliverables and close each gap with a targeted revision session