IRDAI Surveyor Motor (S-06) study plan

Map the full S-06 syllabus into a one-page checklist covering Motor Insurance and Loss Assessment, tagging each sub-area as strong, weak, or unknown

Define the statutory and regulatory framework for motor insurance in India, listing the Motor Vehicles Act provisions that create compulsory third-party liability and the role of IRDAI regulations and the Motor Third Party Insurance Pool in plain notes

Distinguish the three main motor product classes (private car package, two-wheeler package, commercial vehicle) by the covers and exclusions typical of each

Build a personal glossary of at least 30 motor insurance terms in English, including own damage, third-party liability, IDV, No Claim Bonus, depreciation, and total loss

Sketch the end-to-end claim lifecycle from intimation to settlement and mark where a surveyor's involvement begins and ends

Explain the legal basis and scope of surveyor appointment, including who may be appointed, when a survey is mandatory, and the surveyor's duty of independence

Describe the licensing and regulatory expectations for surveyors and loss assessors, including categories, renewal, and code-of-conduct obligations, using your own words

Outline the surveyor's reporting obligations: what a report must contain, timelines for submission, and how findings feed the insurer's settlement decision

Analyse conflict-of-interest and confidentiality scenarios and write short reasoned answers on how a surveyor should respond

List the common documentation a surveyor must collect at first intimation: policy copy, registration certificate, driving licence, FIR or police report where relevant, and photographs

Interpret the standard private car package policy wording clause by clause, noting own damage, third-party, personal accident cover, and add-on sections

Distinguish insured declared value, sum insured, and market value, and practise calculating IDV under both the depreciation method and the agreed-value method for at least five sample vehicles

Compute No Claim Bonus progression and explain how a claim, a transfer of ownership, or a lapse affects entitlement

Work through at least ten numerical problems on premium, IDV, depreciation, and NCB, showing full working and checking answers against the policy logic

Explain the purpose and mechanics of common add-ons such as zero depreciation, engine protect, roadside assistance, and return to invoice

Classify losses into total loss, constructive total loss, and partial damage, and state the assessment approach for each

Apply depreciation tables to damaged parts and distinguish parts-based, labour-based, and paint-based costing

Explain salvage value, its treatment in a total loss settlement, and how a surveyor documents disposal of salvage

Assess third-party property damage claims, including the principles of tortious liability, negligence, and the measure of damages

Draft a complete sample assessment for a partial own damage claim on a private car, covering inspection notes, part replacement, labour, depreciation, and net payable

Explain the legal framework for third-party liability claims, including the role of Motor Accident Claims Tribunals and the concept of no-fault liability

Analyse how courts approach compensation for third-party bodily injury, covering loss of income, medical expenses, pain and suffering, and dependency

Assess a third-party injury claim file and produce a reasoned computation of the likely compensation components

Identify fraud indicators in motor claims, such as inconsistent damage patterns, staged accidents, and duplicate documentation, and describe how a surveyor records suspicion without alleging fraud

Describe the surveyor's role in subrogation and recovery, including preservation of evidence and documentation for the insurer's recovery action

Assess damage to commercial vehicles, including goods carriers and passenger-carrying vehicles, accounting for fitness certificates, permits, and route-related documentation

Explain how total loss and theft claims are handled, including the documentation required and the valuation basis used for settlement

Analyse engine, transmission, and electrical damage claims, distinguishing wear and tear, mechanical breakdown, and insured accident damage

Interpret policy exclusions and conditions, including driving without a valid licence, use contrary to limitations, and delayed intimation, and state how each affects admissibility

Practise writing reasoned repudiation or part-repudiation notes for at least three exclusion scenarios

Review the full syllabus checklist from week one and re-tag every sub-area, identifying remaining weak spots

Complete at least 100 practice questions across all sub-areas, recording accuracy by sub-area to direct final revision

Revisit all numerical problem types under timed conditions and target at least 90 percent accuracy

Summarise the most error-prone topics into a one-page revision sheet with formulas, depreciation rates, and key regulatory points

Practise writing a complete survey report under a 45-minute time limit to build speed and structure

Complete two full-length timed mock exams under exam conditions and review every incorrect answer with the underlying rule

Drill the revision sheet daily until formulas, depreciation rates, and regulatory points are recalled without reference

Rehearse report-writing structure so a complete, well-ordered assessment can be produced within time pressure

Confirm exam-day logistics and build a final one-page cue card of the highest-yield facts and assessment steps