100+ Free IRDAI Surveyor Motor (S-06) Practice Questions

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2026 Statistics

Key Facts: IRDAI Surveyor Motor (S-06) Exam

60%

Pass Mark

III surveyor pre-licensing exam information

S-06

Motor Paper Code

III surveyor subject list / IC-72 alignment

~₹500

Fee per Subject

III/ModelExam published fee summary

₹50 lakh

Ombudsman Limit

Insurance Ombudsman Rules (Nov 2023 amendment)

₹50,000

Surveyor Threshold

Section 64UM of the Insurance Act 1938

IC-72

Study Course

III Motor Insurance Claims course mapping

III conducts IRDAI surveyor pre-licensing online MCQs (~quarterly) with 60% pass. Motor candidates take S-06 (IC-72) plus compulsory S-01. Fees are commonly ~₹500 registration + ~₹500/subject + tax. Practice here targets tariff rules, depreciation scales, and survey reports.

Sample IRDAI Surveyor Motor (S-06) Practice Questions

Try these sample questions to test your IRDAI Surveyor Motor (S-06) exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under the Indian Motor Tariff, what is the standard geographical limit defined in a standard Motor Policy unless specifically extended?

A.India, Nepal, Bhutan, and Sri Lanka

B.India only

C.India, Pakistan, Bangladesh, and Myanmar

D.South Asian Association for Regional Cooperation (SAARC) countries

Explanation: Standard Motor Policies in India cover risks only within the geographical limits of India. Under IMT rules, the geographical limit can be extended to neighboring countries like Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka, and Maldives by charging an additional premium and attaching the relevant IMT endorsement, but India is the default limit.

2Which IMT endorsement must be attached to a Motor Policy to extend geographical area coverage to Nepal?

A.IMT 1

B.IMT 3

C.IMT 5

D.IMT 12

Explanation: IMT 1 is the specific endorsement used for the Extension of Geographical Area to countries like Nepal, Bhutan, Maldives, Sri Lanka, Pakistan, and Bangladesh. IMT 3 covers Transfer of Interest, IMT 5 covers Hire Purchase Agreement, and IMT 12 covers Discount for Membership of Recognized Automobile Associations.

3In a package motor policy, what does 'Section I: Own Damage' primarily cover?

A.Liability to third-party property damage and bodily injury

B.Personal accident cover for the owner-driver

C.Loss or damage to the insured vehicle due to accidental external means, fire, theft, or natural calamities

D.Legal liability to paid drivers and cleaners employed in connection with the vehicle

Explanation: Section I of a Package Motor Policy covers Own Damage (OD), which protects the insured against loss or damage to the vehicle itself due to specified perils such as accident, fire, theft, flood, earthquake, strike, riot, and malicious damage. Third-party liability is covered under Section II, and Personal Accident is under Section III.

4Under a standard Private Car Package Policy, which of the following natural calamities is specifically excluded from Own Damage coverage?

A.Landslide and rockslide

B.Frost and snow damage

C.Earthquake (fire and shock damage)

D.Flood, typhoon, hurricane, and storm

Explanation: Standard Private Car Package Policies cover natural perils like landslides, earthquakes, floods, typhoons, and storms. However, atmospheric conditions like frost, snow, or general wear and tear, rust, and mechanical breakdown are excluded. Damage from frost and snow is not a covered natural calamity peril in the standard Indian Motor Tariff.

5According to the Indian Motor Tariff, the No Claim Bonus (NCB) earned on a policy belongs to whom?

A.The vehicle itself, transferring automatically to the new buyer upon sale

B.The financier of the vehicle if under hire-purchase or hypothecation

C.The individual owner who insured the vehicle, and is transferable to a new vehicle owned by them

D.The insurance company, which can cancel it at its discretion

Explanation: The No Claim Bonus (NCB) is a reward given to the owner (insured) for safe driving and not making claims. It is personal to the insured and does not transfer to the buyer when the vehicle is sold. The seller can use the NCB on a new vehicle they purchase within 3 years (or 5 years in some cases of policy renewal gaps).

6If a vehicle is sold, within how many days must the buyer apply for transfer of the insurance policy to their name to maintain Own Damage coverage?

A.7 days from the date of transfer of ownership

B.14 days from the date of transfer of ownership

C.30 days from the date of transfer of ownership

D.45 days from the date of transfer of ownership

Explanation: As per GR 17 of the Indian Motor Tariff, the transfer of a package policy in favor of the purchaser must be done within 14 days from the date of transfer of ownership. If the buyer fails to transfer the policy within 14 days, the Own Damage cover lapses, although the Third Party cover remains active as per statutory laws.

7Which of the following is correct regarding the transfer of No Claim Bonus (NCB) to a buyer upon the sale of a vehicle?

A.The buyer is entitled to the same NCB percentage as the seller.

B.The buyer gets a flat 20% NCB discount as a promotional gesture.

C.The NCB is not transferable to the buyer; the buyer must pay the full basic Own Damage premium.

D.The NCB is transferred to the buyer only if the vehicle is less than 3 years old.

Explanation: Since NCB is personal to the insured (seller), it cannot be transferred to the buyer. Upon transfer of the policy, the buyer must pay the difference in premium arising from the loss of NCB (i.e., pay the full basic Own Damage premium without NCB discount).

8What is the maximum limit of No Claim Bonus (NCB) that can be accumulated under a standard Private Car policy in India?

A.35%

B.50%

C.65%

D.70%

Explanation: Under the Indian Motor Tariff, the NCB accumulates over consecutive claim-free years. The progression is: 20% after 1 claim-free year, 25% after 2 years, 35% after 3 years, 45% after 4 years, and a maximum of 50% after 5 or more consecutive claim-free years.

9Under IMT 23, what cover is added to the policy regarding 'Lamps, Tyres, Tubes, Mudguards, Bonnet, Side Parts, Bumper, and Headlights' for commercial vehicles?

A.Exclusion of all these parts from Own Damage claims

B.Cover for these parts against accidental damage even if the vehicle is not damaged at the same time

C.Waiver of depreciation on these specified parts

D.Special excess of ₹10,000 for claims involving these parts

Explanation: IMT 23 is a special endorsement for commercial vehicles (other than passenger-carrying vehicles, taxis, and rental cars) that extends cover to specify parts like lamps, tyres, tubes, mudguards, bonnets, bumpers, etc., for loss or damage caused by accidental external means even if the vehicle itself is not damaged in the same accident.

10What does the endorsement 'IMT 22' relate to in a Motor Insurance Policy?

A.Extension of geographical limits to SAARC countries

B.Exclusion of Cover for Valuation Agreement

C.Compulsory Deductible / Compulsory Excess

D.Reduction in Limit of Liability for Third Party Property Damage

Explanation: IMT 22 specifies the Compulsory Deductible (or Compulsory Excess) that the insured must bear in respect of each and every claim under Section I (Own Damage) of the policy. The deductible amount varies depending on the type and CC/GVW of the vehicle.

About the IRDAI Surveyor Motor (S-06) Exam

The IRDAI Surveyor & Loss Assessor Motor paper (S-06) is the specialised pre-licensing examination for candidates seeking Motor department authorisation. Study material aligns with IC-72 Motor Insurance Claims: Standard Motor Policy covers, conditions and warranties, claims procedure, rights and duties, amount of claim payable, special policies, surveying process, legal aspects, case studies, and redressal forums. The online MCQ exam is conducted by III, typically quarterly, with a 60% pass mark.

Assessment

Department paper S-06 Motor Insurance (IC-72 Motor Insurance Claims). Candidates also require compulsory S-01. Practice weights: Motor Policy Covers 25%, Claims Assessment 25%, Survey Practice 20%, Conditions/Warranties/Exclusions 15%, Principles/Legal/Redressal 15%.

Time Limit

As per III online slot booking (confirm current duration when scheduling)

Passing Score

60% (60/100)

Exam Fee

~₹500 per subject + GST exam fee, and ~₹500 registration fee for fresh candidates (Insurance Institute of India (III) on behalf of IRDAI)

IRDAI Surveyor Motor (S-06) Exam Content Outline

25%

Motor Policy Covers

Own Damage, Third Party, IMT rules, and tariff endorsements

25%

Motor Claims Assessment

IDV calculation, own damage claims, total/partial loss, and depreciation scales

20%

Survey Practice

Spot survey, final survey, garage inspection, salvage value, and reports

15%

Conditions, Warranties & Exclusions

IMT endorsements, deductibles, exclusions, and limitation as to use

15%

Principles, Legal Aspects & Redressal

Motor Vehicles Act 1988/2019, Ombudsman limit of ₹50 lakh, and surveyor licensing path

How to Pass the IRDAI Surveyor Motor (S-06) Exam

What You Need to Know

Passing score: 60% (60/100)
Assessment: Department paper S-06 Motor Insurance (IC-72 Motor Insurance Claims). Candidates also require compulsory S-01. Practice weights: Motor Policy Covers 25%, Claims Assessment 25%, Survey Practice 20%, Conditions/Warranties/Exclusions 15%, Principles/Legal/Redressal 15%.
Time limit: As per III online slot booking (confirm current duration when scheduling)
Exam fee: ~₹500 per subject + GST exam fee, and ~₹500 registration fee for fresh candidates

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

IRDAI Surveyor Motor (S-06) Study Tips from Top Performers

1Memorise depreciation scales: rubber/plastic/batteries (50%), fiberglass (30%), glass (0%), and age-based metal depreciation.

2Understand IDV calculations: brand-new vehicle is ex-showroom minus 5% depreciation; over 5 years is mutually agreed market value.

3Learn the difference between Spot Survey (on-scene damage and forensics) and Final Survey (workshop dismantle and quantum cost calculations).

4Drill key IMT endorsements: IMT 24 (accessories), IMT 28 (paid driver WC liability), and IMT 26 (voluntary deductible).

5Know the Motor Vehicles Act 2019 hit-and-run compensation limits: ₹2 lakh for death, ₹50,000 for grievous hurt.

6Remember the statutory surveyor threshold: Section 64UM mandates a licensed surveyor for any claim equal to or exceeding ₹50,000.

Frequently Asked Questions

What is the IRDAI Surveyor Motor exam?

It is the Insurance Institute of India pre-licensing online MCQ paper S-06 Motor Insurance (aligned to IC-72 Motor Insurance Claims) required for Motor department surveyor licensing under IRDAI, taken with compulsory S-01.

What is the passing score for the S-06 exam?

Published III surveyor exam information states a 60% pass mark (60 marks out of 100) for the online MCQ papers.

How much does the pre-licensing exam cost?

Fresh candidates pay about ₹500 one-time registration plus about ₹500 per subject plus applicable tax. Confirm current fees on the III website when booking.

What is the compensation limit for the Insurance Ombudsman?

Following the November 2023 amendment to the Insurance Ombudsman Rules, the compensation limit (pecuniary jurisdiction) of the Ombudsman is ₹50 lakh.

Who is eligible to become an IRDAI Motor Surveyor?

IRDAI Schedule-I lists Motor qualifications such as engineering degrees/diplomas (typically Mechanical or Automobile engineering) and certain professional/insurance qualifications, plus trainee enrolment and practical training norms.

Which professional body is mandatory for IRDAI surveyors?

Holding a valid membership in the Indian Institute of Insurance Surveyors and Loss Assessors (IIISLA) is mandatory for any individual to practice and renew their license.

100+ Free IRDAI Surveyor Motor (S-06) Practice Questions

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