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Home / Insurance — IRDAI / Insurance Web Aggregator Licence
Last updated: 2 October 2026
An online platform that compares insurance products and passes leads to insurers must register with IRDAI as an insurance web aggregator. Expertvuw’s team helps with entity structure, capital, Principal Officer requirements, website disclosures and the IRDAI application.
An insurance web aggregator operates a website or app that provides information and price comparisons for insurance products from different insurers and shares leads with them. It is regulated by the IRDAI (Insurance Web Aggregators) Regulations, 2017, as amended by the IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2026. Web aggregators remain a separate intermediary category.
The applicant must be a company or LLP with web aggregation as its main business, with minimum paid-up capital of ₹25 lakh and net worth maintained at that level at all times. A Principal Officer — a director or partner exclusively responsible for the business — must meet IRDAI’s qualification, training and examination requirements. Comparison displays must be unbiased and follow the regulations on product information, lead sharing and data protection.
Under the 2026 amendment, registration is perpetual subject to an annual fee. Web aggregators that also want to sell policies online through their platform may need ISNP permission.
Basis: Insurance Act, 1938 as amended in 2025; IRDAI (Insurance Web Aggregators) Regulations, 2017, as amended by the IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2026. Last updated: 27 September 2026.
Web aggregators remain a distinct IRDAI intermediary category.
₹25 lakh paid-up capital, with net worth maintained at that level.
A director or partner exclusively responsible, meeting IRDAI requirements.
Registration is perpetual subject to an annual fee from 2026.
Product comparisons must be neutral and follow prescribed display rules.
Selling policies online through the platform may need ISNP permission.
Web aggregator problems usually sit in the platform design.
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Web aggregator registration connects with these services.
Online sale platform permission.
Broker registration with IRDAI.
Data privacy policy for platforms.
Ongoing intermediary compliance.
Check eligibility and structure.
Incorporate and infuse capital.
Align the platform with display and data rules.
File the application with IRDAI.
Respond to IRDAI observations.
Receive registration and go live.
Web aggregators have ongoing duties.
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Share your query and our team will reply during business hours.
A company or LLP operating a website or app that compares insurance products and shares leads with insurers, registered with IRDAI.
₹25 lakh paid-up capital, with net worth maintained at that level.
Yes. Under the 2026 amendment, registration is perpetual subject to an annual fee.
Online sale through the platform may need ISNP permission from IRDAI.
A director or partner exclusively responsible for the business, meeting IRDAI’s qualification, training and exam requirements.
ACS – Director, Expertvuw Management Pvt Ltd
IRDAI applications and filings are prepared by Expertvuw’s team. Audits and certificates required by IRDAI are issued by independent Chartered Accountants, and representation before IRDAI or other authorities is made by authorised professionals or advocates. Expertvuw is not an insurer or insurance intermediary and does not sell insurance.