Renew Expired Car Insurance
Every type of car insurance policy comes with an expiry date. Once the policy term is over, you can no longer raise a claim until the policy is renewed. However, the good news is you can easily renew a lapsed car insurance policy if you fail to do so before the expiry date.
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What Happens if Car Insurance Lapses?
If your car insurance lapses, you might face the following negative consequences:
- A lapsed car insurance policy means you might have to pay revised premium payments to renew it and also go through the vehicle inspection process.
- If your lapsed car insurance period is quite long, the insurer might reject your policy renewal request. However, car insurance renewal may be allowed in some cases, but with some fines & penalties.
- A lapsed car insurance policy means possible loss of NCB (No Claim Bonus).
- Hefty penalties are imposed by traffic police for driving without a valid car insurance policy.
Given these consequences, it is best to renew car insurance before it expires. You can check the below-mentioned steps to renew an expired car insurance policy.
Can You Renew Car Insurance After Expiry?
Yes, most car insurance companies allow renewal after it expires, but the process becomes a little complex and has the following conditions:
- A vehicle inspection may be required by the insurer for damage assessment.
- You may face a higher car insurance premium.
- NCB is retained only if you renew within the grace period, which is up to 90 days from the expiry.
Things to do When Your Car Insurance Policy Expires
If your car insurance has already expired, follow these steps for a quick renewal of the coverage:
How to Renew Expired Car Insurance Online?
- Visit the 'Car Insurance' page from the 'Insurance Products' dropdown
- Enter your car number in the given form
- As soon as you enter your car number the details of your car will be auto-fetched
- Select policy expiry date and whether you have previously made a claim or not
- From the given policy, find the right motor insurance renewal plan for your car and add any cover you wish to add.
- Enter your previous policy 'No Claim Bonus' discount. You are eligible for NCB if your policy expiry is still within the grace period of 90 days.
- Now fill in the required details and proceed with payment.
- Once you review your car insurance premium, make the payment via online modes.
- After the payment is successful, your motor insurance renewal policy documents will be sent to your registered mail address.
Offline v/s Online Expired Car Insurance Renewal
Here is a table showing the difference between renewing expired car insurance online and offline:
| Points of Basis | Online Renewal | Offline Renewal |
| Coverage |
Coverage Covers damages caused to third-party persons or their property. |
Covers TP liabilities as well as damages caused to own four-wheeler. |
| Easy to Compare |
Easy to Compare Easily check and compare multiple plans offered by different insurers at the time of renewal. |
No such flexibility when choosing a four-wheeler insurance plan offline. |
| Self-Inspection |
Self-Inspection Easy self-inspection by shooting a video of your vehicle and uploading it. |
A surveyor will conduct a mandatory physical inspection of your vehicle. |
| Paperwork |
Paperwork Minimal paperwork. |
Lots of paperwork which your agent will require. |
| Transparency |
Transparency Visit the insurer's website and easily check the plan details with full transparency. |
Less transparency and more chances of data being manipulated by an agent. |
| Cost |
Cost Less cost as you can earn discounts. |
More cost as it involves the agent's commission. |
| Accessibility |
Accessibility Easy accessibility and 24*7 assistance |
It is not easy to access all the information related to the insurance plan as information is passed by the agent. |
Documents Required to Renew Expired Car Insurance Policy
While renewing an expired car insurance policy, make sure that you keep these documents handy to ensure a hassle-free purchase:
- Vehicle Registration Certificate (RC)
- A copy of the expired car insurance policy
- RTO address associated with the insured car
- Car details, including car model number, city, date of registration, insurer name, etc.
Self-Inspection Under Expired Car Insurance Renewal Online
Policybazaar offers a feature of self-inspection video for car insurance renewal to the policyholders where they can simply make a video and upload it on the app.
Here is how to record a self-inspection video for renewing your expired car policy online with ease:
- Install the Policybazaar app on your Android or iOS smartphone
- Login to the app using your registered mobile number in the installed Policybazaar app.
- From the menu, click on the 'Start Inspection' button
- Now follow the stepwise process to upload a video of your car
- Once you have made the video, press the 'Submit' button to successfully submit your video.
Once the video has been uploaded, the insurer will review the uploaded video and approve it after verification.
FAQs About Expired Car Insurance Renewal
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Q1. Can I drive my car if its insurance has expired?
Ans: Driving without a valid car insurance policy is a violation of Indian motor laws and can have severe financial & legal consequences. -
Q2. Is there any grace period for car insurance renewal?
Ans: Officially, there is no grace period for coverage. The protection stops immediately after policy expiry. But some insurance companies may allow you to retain your NCB benefits for up to 90 days from expiry. -
Q3. Will my premium increase after policy expiry?
Ans: Your insurer may revise your car insurance premium price depending on the vehicle inspection report, lapse duration, and underwriting rules. -
Q4. Can I switch insurers after my policy has expired?
Ans: Yes, when purchasing a new car insurance policy, you can change your insurer, but a vehicle inspection may still be required. -
Q5. How long does renewal take after inspection?
Ans: In many cases, car insurance renewal policies are issued shortly after a successful vehicle inspection. -
Q6. Can I buy only third-party insurance after expiry?
Ans: Yes, you can opt for a third-party liability only policy. But, for broader protection, it is advised to choose comprehensive car insurance. -
Q7. Will my No Claim Bonus be valid if my car insurance policy expired last year?
Ans: You will lose your NCB if your motor insurance has expired last year. The No Claim Bonus is usually valid for 90 days after the policy expires. This period is called the Grace period. Renewing car insurance within this period will not affect your NCB discount. -
Q8. How do I check the expiry date of my car insurance policy?
Ans: You can check the expiry date of your four-wheeler insurance policy by visiting the official website of the insurer. Alternatively, you can also get your car policy details by logging into your account on Policybazaar.com. -
Q9. Can I renew my car insurance policy online?
Ans: Yes, you can renew your car insurance policy online after comparing quotes of multiple insurers on Policybazaar.com in just 5 minutes. -
Q10. Can I drive a car that does not have insurance?
Ans: Having a valid car insurance policy is mandatory as per the motor laws of India. Thus, if you are driving without a car insurance policy, it will be considered a traffic rule violation and you may have to pay up to Rs. 2,000 fine.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
