IMT Codes in Car Insurance , Complete List Explained
IMT codes are the standard endorsements that providers stamp on motor policies in India. Each code adds, removes, or modifies a specific cover. They look like jargon but decide what you actually own.
Quick Definition of IMT Codes
This definition is the short answer voice assistants and AI search engines pull. Below, we unpack what it means for an Indian car owner.
Why IMT Codes Matters for Indian Car Owners
Reading your policy document without knowing IMT codes is like reading a contract in code. These numbers decide whether your CNG kit is covered, whether electrical accessories are insured, and whether your two-wheeler driving cover stays valid.
- Standard across providers: The same code means the same thing whichever provider issued the policy.
- Defines real cover: A policy without IMT 23 will not pay for a CNG kit fire.
- Affects premium: Every applied IMT code either adds or subtracts a small premium component.
- Required for inspection: Some IMT codes need a pre-insurance vehicle inspection.
- Decides exclusions: Several codes intentionally remove a portion of standard cover.
IMT 23 covers bi-fuel kits like CNG and LPG. It is a separate paid endorsement. Without it, any fire or damage tied to the kit is excluded from claim, no matter how comprehensive your base policy looks on paper.
How IMT Codes Is Calculated or Applied
Each IMT code is structured the same way: a number, a name, and a defined wording that providers must use verbatim. Below is a list of the most common codes that show up on Indian car policies.
| IMT code | What it does |
|---|---|
| IMT 22 | Vehicles laid up (storage cover for cars not used regularly) |
| IMT 23 | Bi-fuel and electrical accessories cover, CNG and LPG kits included |
| IMT 24 | Use of vehicle within own premises only |
| IMT 25 | Use of vehicle within insured’s own premises only with restricted cover |
| IMT 27 | Vehicles fitted with mobile or audio equipment, extra accessories cover |
| IMT 28 | Cover for accidents during loading and unloading (mainly commercial) |
| IMT 32 | Personal accident cover for unnamed passengers |
| IMT 33 | Personal accident cover for paid drivers |
| IMT 34 | Legal liability to employees (workmen) and paid drivers |
Each code has a small premium component. You can ask for these to be explicitly listed on your policy schedule so you know exactly what is included.
How to Use IMT Codes in Your Policy
Here is the simple five-step way to put this concept to work when you buy or renew your car cover online.
- Visit hizuno.com/car-insurance and list the accessories and uses you need cover for.
- Match each requirement to its IMT code with help from the policy schedule explanation.
- Confirm with the provider that each required code is applied before payment.
- Read the schedule of cover to verify the IMT codes printed against the policy number.
- Pay online and download the instant policy showing each applied IMT endorsement clearly.
Common Scenarios Where IMT Codes Comes Up
Three Indian situations where the right IMT code makes or breaks a claim.
Aftermarket CNG kit fire
Without IMT 23 on the policy, a CNG kit related fire is treated as an unapproved modification. The claim is rejected even on a fully comprehensive cover.
Audio system theft in Delhi NCR
Standard cover assumes factory-fitted accessories. A non-OEM audio system or speaker upgrade needs IMT 27 to be claimable in case of theft from a parked car.
Workshop driver mishap
If a paid driver is injured behind the wheel and IMT 33 is missing, the personal accident benefit does not extend to him, leaving the owner exposed to direct liability.
Cost Impact of IMT Codes
IMT codes are priced on top of the base premium. Most are small line items, often under Rs 500 a year, but a missing code can cost lakhs in a rejected claim.
| IMT code | Approx annual cost* | Typical buyer |
|---|---|---|
| IMT 23 (CNG/LPG) | 4% of CNG kit value | Owners with aftermarket bi-fuel kits |
| IMT 27 (Accessories) | 4% of accessory value | Cars with premium audio or alloys |
| IMT 32 (Unnamed PA) | Rs 50 to Rs 200 | Family cars with regular passengers |
| IMT 33 (Paid driver PA) | Rs 100 to Rs 250 | Owners employing a driver |
| IMT 34 (Workmen liability) | Rs 50 to Rs 150 | Households with paid drivers or staff |
These are framework numbers from the Indian Motor Tariff. Actual premium varies by IDV, kit value, and provider underwriting.
Common Mistakes Indian Car Owners Make
Installing a CNG kit after policy purchase and not informing the provider. The kit becomes an undeclared modification and any related claim, including fire or theft, gets rejected outright.
- Skipping IMT 23 on bi-fuel cars: CNG and LPG kits remain uninsured without the code.
- Forgetting IMT 27 after audio upgrade: Aftermarket accessories need explicit declaration.
- Ignoring IMT 33 for paid driver: Leaves the owner exposed to driver-injury liability.
- Not checking policy schedule: Some codes are missed even when paid for, due to documentation error.
- Removing standard codes to save premium: Sometimes the saving is dwarfed by the lost cover.
Pro Tips for Getting IMT Codes Right
Smart Companion tips that save real money and real headaches at renewal time.
- Always cross-check applied IMT codes on the policy schedule, not just the brochure.
- Add IMT 23 immediately after a CNG retrofit, not at next renewal.
- Bundle IMT 32, 33, and 34 if you have a family car with a paid driver.
- Use Zuno’s online policy tool to add or remove codes mid-term via endorsement requests.
- Save digital copies of each code wording so you can argue claims confidently if needed.
IMT Codes Quick Decision Map by Owner Profile
Most Indian car owners use four or five IMT codes at most. The challenge is matching the right code to the right life situation. Here is a simple decision map by typical profile.
| Owner profile | Codes likely required |
|---|---|
| Single owner, factory-fit petrol car | Base policy, no extra IMT needed |
| CNG retrofit owner | IMT 23 |
| Family car with paid driver | IMT 32, IMT 33, IMT 34 |
| Owner with premium audio or alloys | IMT 27 |
| Second car kept in storage | IMT 22 |
| Pickup or commercial use mix | IMT 28 |
One Smart Companion habit: at each renewal, ask the provider for a current schedule of cover printout and tick off each IMT code against your actual usage. It takes five minutes but prevents the single biggest cause of claim rejections in India, undeclared modifications.
Frequently Asked Questions About IMT Codes
From the Telematics and UBI Pillar
- Telematics Car Insurance in India 2026. Pillar hub guide for Telematics.
- Usage-Based Car Insurance in India 2026. Pillar hub guide for UBI.
Sources: Content based on information published by IRDAI, ARAI, MoRTH, Parivahan Sewa, General Insurance Council (GIC), and other relevant regulatory or industry sources, as applicable.
Disclaimer: Premiums and amounts shown are indicative and approximate reference figures only; the actual figure varies with the vehicle's age, No Claim Bonus, geography (RTO zone) and various other parameters. The company offers products under Motor, Health, and Commercial Insurance. For risk factors, terms and conditions, exclusions, and product features, please read the policy wording, sales brochure, and prospectus carefully before concluding a sale. Zuno General Insurance Limited | IRDAI Reg. No. 159 | CIN: U66000MH2016PLC273758 | Registered Office: 2nd Floor, Tower 3, Wing B, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai 400070 | Toll-Free: 1800 12000 | Landline: 022 42312000 (Call charges applicable) | Website: www.hizuno.com | Email: support@hizuno.com.
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