Documents Required for Car Insurance Renewal in India

Driving on public roads poses a threat to the driver's life and the car as mishaps can happen at any time. To ensure financial safety from such mishaps, all car owners must hold a valid car insurance policy with third-party cover under the Indian motor laws. Since all plans come with an expiry, car owners can ensure continuous coverage by renewing their car insurance on time. Read on to know the process and documents required for car insurance renewal.

Read more


Compare & Save upto 85%* on Car Insurance
Processing
Get Car Insurance starting
@ only 2094/year#
  • Renew Policy In2 Minutes

  • 20+ Insurers To Choose From

  • 51 Lakh+ Vehicles Insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Car Insurance Premium Price

New India Assurance

Cashless Garages

253

Plan type

Comprehensive

Starting from

₹ 2,727

Check premium
Claim Advantage
  • Self-Video Claims
  • Reimbursement Within 7 Working Days For Non-Cashless

National Insurance

Cashless Garages

268

Plan type

Comprehensive

Starting from

₹ 2,757

Check premium
Claim Advantage
  • Self-Video Claims
  • Reimbursement Within 7 Working Days For Non-Cashless

Bajaj Allianz

Cashless Garages

1024

Plan type

Comprehensive

Starting from

₹ 2,868

Check premium
Claim Advantage
  • Spot Claims Upto Rs. 30,000
  • Repair service at select cashless garages

DIGIT

Cashless Garages

Repair Anywhere

Plan type

Comprehensive

Starting from

₹ 2,962

Check premium
Claim Advantage
  • 6-Month Repair Warranty
  • Advance claim payment
  • Free Pick-up & Drop

Oriental Insurance

Cashless Garages

258

Plan type

Comprehensive

Starting from

₹ 3,005

Check premium
Claim Advantage
  • Self-Video Claims
  • Reimbursement Within 7 Working Days For Non-Cashless

DIGIT

Cashless Garages

Repair Anywhere

Plan type

Third Party

Starting from

₹ 2,094

Check premium
Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party person

Bajaj Allianz

Cashless Garages

1024

Plan type

Third Party

Starting from

₹ 2,094

Check premium
Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party person

Oriental Insurance

Cashless Garages

258

Plan type

Third Party

Starting from

₹ 2,094

Check premium
Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party person

National Insurance

Cashless Garages

268

Plan type

Third Party

Starting from

₹ 2,094

Check premium
Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party person

New India Assurance

Cashless Garages

253

Plan type

Third Party

Starting from

₹ 2,094

Check premium
Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party person
See more plans

Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

Renewal of Car Insurance Policies

If you have bought a car insurance policy, it will be up for renewal after one year in the case of old cars and three years in the case of new cars. If you fail to renew your car insurance policy before its expiry, you may have to face legal consequences.

According to the Motor Vehicles Act, 2019, any car driver found to be used on public roads without an insurance policy will be penalized with a ₹2,000 fine and/or jail imprisonment of up to three months. In case they are found driving an uninsured car for the second time, they will be charged with a fine of ₹4,000 and/or with jail imprisonment of a similar duration. So to avoid this penalty, you must get your car insurance policy renewed on time.

Significance of Renewing a Car Insurance Policy on Time

It is mandatory to renew your car insurance policy before its expiry date as your coverage will lapse when the policy expires. A lapsed policy will not only defy the motor laws of the country but also lead to the rejection of car insurance claims. This is because your motor insurance company will not be liable to cover any loss or damages to your car once your policy has lapsed. Therefore, if your uninsured car is involved in an accident or any other adverse situation, you will have to pay for all the damages to your car and third party liabilities from your own pockets.

Renewing your car insurance policy on time will ensure that your vehicle is shielded against all financial damages and legal liabilities during an accident. Also, it will offer you the advantage of earning different renewal benefits, including the no claim bonus that car insurance companies give you at the time of renewal.

documents required for car insurance

Process of Car Insurance Policy Renewal

When your insurance policy expiration date is near, follow these steps for renewal of your car insurance policy-

1. Call the insurance company and speak to them about the situation.

2. Your insurer will intimate you if the car needs to be surveyed for the renewal process.

3. In case the car inspection is compulsory, fix an appointment with your insurer.

4. Coordinate with the inspector and submit any car insurance renewal documents.

5. Once the inspection is completed, pay the renewal premium and renew your car insurance policy.

You May Also Read: Lapsed Car Insurance Policy

If you wish to change your insurer, you can opt for another car insurance policy while retaining your NCB. Even if you have missed the policy due date, your NCB will remain safe as long as you renew your policy within 90 days of the expiry of the insurance policy.

Essential Documents Required for Car Insurance Renewal

Insurance Regulatory and Development Authority of India (IRDAI) has published a statutory list of car insurance documents for renewals. As a result, this list of car insurance renewal documents remains the same across all motor insurance companies and is to be submitted along with the renewal form.

The list of documents required for car insurance renewal is as follows-

1. Government identity proof like PAN card/ Aadhar card/ passport

2. Address proof of the policyholder (Passport/Driving License/ Bank Passbook)

3. A recent photograph

4. A copy of a driving license

5. Vehicle registration number

6. A copy of the car’s RC or registration certificate

7. Pollution test certificate of the vehicle

8. Existing motor insurance policy number

9. Card details for online payments

Why Should You Renew Your Car Insurance Policy Online?

Car insurance is not a choice and is legally enforceable. With digitalization, insurance companies have made provisions for online policy renewal, which makes it considerably easier for you. Here are some of the benefits of renewing your car insurance policy online-

1. The online car insurance renewal process is easy and hassle-free.

2. The choices of insurance policies for your car are vast as it is offered by several insurance companies. While renewing the policy online, you can select the best available option for your car by making online comparisons.

3. Most online car insurance renewal plans are 30-40% more affordable as compared to offline renewals.

4. While renewing the car insurance online, you can customize your plan as per your choice of coverage, budget, etc.

Points to Keep in Mind Before the Renewal of a Car Insurance Policy

All cars owners should keep the following points in mind before the renewal of their car insurance policies:

  • Keep in mind the date of expiration of the policy to avoid driving without insurance.
  • Compare different car insurance policies in India before renewing your policy. You might find a better policy with broader coverage at a reasonable price.
  • Use your No Claim Bonus (NCB) for availing discount on the renewal premium.

Key Takeaways

Ultimately, you are the protector of your vehicle. Renewing your car insurance policy on time is extremely essential for your vehicle as it protects you against financial losses and legal issues in case of adversity involving your car.You can choose the method for car insurance policy renewal i.e. online or offline as per your choice. Your insurance company will have provisions for online policy renewal, making it easy for you to renew your car insurance policy from anywhere. Also, keep all your car insurance renewal documents handy as the date of your policy renewal approaches.

Written By: PolicyBazaar - Updated: 30 November 2021
You May Also Like
  • Transferring Car Insurance from One Person to Another

    Transferring Car Insurance from One Person to Another An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance transfer to the new owner. But sadly, most people have...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You

    9 Secrets That Your Motor Insurance Provider Won’t Tell You Due to the dangerous driving conditions, it is compulsory to have third party insurance for every vehicle plying on Indian roads. It ensures the overall saf...

    read more
  • Money Saving Advice for All Car Owners

    Money Saving Advice for All Car Owners After a dream home, a dream car is your second-largest purchase that you make in your lifetime. But the expense does not cease when you drive off the car dealer's lot. Read mor...

    read more
  • Difference Between Comprehensive Insurance and Third Party Insurance

    Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage that pays for the repair or replacement of vehicle damages resulting from an incident. Comprehensive ca...

    read more
  • Types of Motor Insurance

    Types of Motor Insurance The word Motor broadly covers a lot of classes of vehicles plying on the roads. These may be two-wheelers like scooters and motorbikes, three-wheelers or four wheelers like private cars, jeeps, ...

    read more

Find similar car insurance quotes by body type

Hatchback Sedan SUV MUV
insurance-ka-superhero
Search
Car insurance save up to 85
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Calculate your car IDV
IDV of your vehicle
Calculate IDV
Calculate Again

Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

Policybazaar lets you compare premium prices from 20+ Insurers!
Compare Prices

Why buy from Policybazaar?

  • 24x7 Claims Assistance
    NEW
  • Cashless Assurance
  • 3-Day Repair Assurance
  • Free Pickup & Drop
  • Self Video Claims
  • Windshield Claims At Home
View Plans

Car insurance articles

Recent Articles
Popular Articles
How to Save Your Car During Monsoon with Add-On Insurance Covers?

24 Jun 2022

Rains in India are mostly witnessed during the monsoon season. The...
Read more
Know About NCB Certificate in a Car Insurance

21 Jun 2022

With your car insurance policy, you get an additional benefit of a...
Read more
Know Everything About Endorsements in Car Insurance Policy

20 Jun 2022

When you buy a car insurance policy from an insurer, your policy...
Read more
Are Airbags Covered in Your Car Insurance Policy in India?

17 Jun 2022

Nowadays, a car comes with advanced safety features, and these...
Read more
When Can You Make Claims for the Bajaj Allianz Car Insurance?

14 Jun 2022

In India, road accidents are the primary cause for making car...
Read more
Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
Losing important documents, such as your car insurance documents, can be daunting. In such a state of affairs, the...
Read more
Multiple Ways To Check Your Car Insurance Status Online
All insurance companies in India now have a digital presence. It not only makes it easier to buy insurance online...
Read more
Transferring Car Insurance from One Person to Another
An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance...
Read more
Check Car Insurance Status Online on Parivahan Sewa/ RTO?
In India, buying car insurance is a compulsion for every car owner. It doesn’t matter if you are an excellent...
Read more
Car Depreciation Calculator
If you are looking to purchase a new car or planning to sell your existing one, it is important to know how...
Read more