Customer Information Sheet: Meaning, Example and How It Works in India
What does Customer Information Sheet mean?
The Customer Information Sheet, mandated by IRDAI from 2024, is a single-page document attached to every policy. It summarises the cover in plain language, listing key benefits, exclusions, claim process, deductible, contacts and the free-look window in simple bullets.
For most Indian car owners, knowing Customer Information Sheet matters at the moment of buying a policy or filing a claim. The term shows up on the policy schedule, on the claim form and on the renewal proposal, often in fine print that first-time buyers do not notice until something goes wrong.
HiZuno publishes this glossary so that customers and small-business owners can decode the language of motor insurance in plain English. As of 2026, every entry reflects current IRDAI and MoRTH rules and the prevailing practice across providers in India.
How Customer Information Sheet applies in India
IRDAI introduced the CIS to reduce mis-selling and improve clarity for first-time buyers. It must be issued in the regional language on customer request and contain at least 14 prescribed information points in legible font.
A real-world example
A first-time car buyer in Bangalore reading the CIS sees: 'Sum insured (IDV) Rs 6.5 lakh; deductible Rs 1,000; major exclusions; network garages list; claim helpline 1860-500-9966; free-look 15 days'. All in one page.
Common misconceptions
Buyers ignore the CIS, assuming it is sales literature. It is in fact a regulatory document and the cleanest summary of what you actually bought.
Why Customer Information Sheet matters for the consumer
The CIS is the easiest way to verify, in a minute, that the cover matches what was sold. Before signing, read this one page.
Read your policy schedule line by line at issue and at renewal. If a line references Customer Information Sheet, confirm the figures match what you discussed during the quote.
How to handle Customer Information Sheet in practice
A simple, repeatable approach helps you stay in control whenever Customer Information Sheet shows up in your policy paperwork or claim conversation.
- Confirm the basics: verify that Customer Information Sheet is reflected correctly on the policy schedule before you pay premium.
- Cross-check with IRDAI norms: the regulator publishes the framework that governs Customer Information Sheet, so compare what your provider has filed.
- Read the policy wording: the binding contract spells out limits, exclusions and conditions in detail beyond the marketing summary.
- Document everything: keep digital copies of the policy, RC, driving licence and KYC, since most disputes turn on documentation.
- Ask before you assume: a 60-second call to the provider clarifies whether Customer Information Sheet applies to your specific situation.
Related glossary terms
Frequently asked questions about Customer Information Sheet
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.
Section 41 of the Insurance Act, 1938: No person shall allow or offer to allow, directly or indirectly, as an inducement to any person to take out, renew, or continue an insurance policy in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out, renewing, or continuing a policy accept any such rebate.