It is advisable to renew the policy before the expiry of the policy period so that there is continuity and no questions will be asked in case a loss takes place at the juncture of the renewal.
Premium must be paid in advance and a receipt be obtained for the same under Indian Law. (As per 64VB of the Insurance Act cover will not become valid without full payment of premium.)
Kindly ensure that at the time of renewal all details are checked and corrected so that the Insurer can make all modifications in case of change of address or any other material details. Failure to make timely changes can result in delay and/or non-payment of claim.

a. Please re-check the value or Sum Insured of Insurance so that you are fully covered.

b. Please re-verify the additional covers you may wish to take so that you are fully covered.