How do I Renew Car Insurance After an Accident in India?

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A car insurance policy only protects your car till its expiry date after which it becomes lapsed. Any accidental damages after your policy has lapsed have to be paid out of your pocket. Therefore it is advised to renew your four-wheeler insurance well before the expiry date so that you can continue receiving the coverage.

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      Renewing Car Insurance After an Accident

      There may be two scenarios of car insurance renewal after an accident. These include:

      • Accident before car insurance policy renewal 
      • Accident post your four-wheeler insurance expired

      Let us understand both scenarios one by one:

      1. Accident Before Car Insurance Renewal 

        If your car insurance renewal date is near and your car meets with an unforeseen accident within the coverage period you will raise a claim under your existing car insurance policy. The claim will be raised by informing the insurance company about the damages sustained by the insured vehicle. After the claim verification, the insurer will get your car repaired in a cashless garage and your claim will be settled directly by them. 

        However, one thing to note here is the impact of raising a claim on your No Claim Bonus discount. As soon as you will raise a claim under your car policy, you will lose your accumulated NCB reward which you received for not raising a claim. Once lost, you will not be able to receive any discount on premiums when you renew car insurance policy for the next policy year. 

        Here, you will be able to renew your four-wheeler insurance as usual after the accident but will not receive any discount as you have already raised a claim during your policy year.

      2. Accident Post Your Four-Wheeler Insurance has Expired

        When you do not renew your car insurance policy before its expiry date, it becomes lapsed and you lose your insurance coverage. If you meet with an accident when your policy has become lapsed, you will not be able to raise a claim with your insurer. In such a situation, you will have to pay for repair expenses from your own pocket. 

        Once you get the repairs done from your pocket, you can get your car insurance policy renewed or purchase a new four-wheeler insurance policy for your car. You may also have to go through the process of re-inspection of car at the time of renewal. A third party car insurance does not require inspection but if you are buying a comprehensive car insurance policy, you will need to upload a self-inspection video.

        Also, the NCB you have received will be valid only for 90 days of grace period after which it will be lost as well. Thus, if you renew your car insurance within the grace period, you can receive the NCB discount on your renewal premium. But, you will have to shell out money from your pocket for any repairs arising out of an accident

        Moreover, driving with a lapsed/expired car insurance policy is illegal as per Indian Motor Laws and you may have to pay heavy traffic fines if caught by a police officer. 

      How to Renew Expired Car Insurance After an Accident?

      As stated above if you met with an accident after your policy has expired, you will have to bear the repair costs all by yourself. Once you have got your car repaired, you can buy a new car insurance plan or renew the existing one by following these steps:

      • Visit Policybazaar.com and select the ‘Car Insurance’ page from the ‘Insurance Products’ dropdown
      • Enter your car number in the given form and proceed with car insurance renewal quotes 
      • As soon as you enter your car number, all the details of your car will be auto-fetched
      • Select the date on which your car policy expired
      • Since your motor insurance has become lapsed, you may have to do a self-inspection of your car. 
      • Simply select the plan that suits your needs along with any add on covers
      • Enter your No Claim Bonus discount if you haven’t crossed the grace period of 90 days
      • Pay the premium amount and upload a self-inspection video on the PB app
      • Once your video is approved by the insurer, your motor insurance policy will be instantly renewed. 

      Wrapping Up!

      To summarise, if you meet with an accident after your car insurance policy has expired, you will have to pay the repair expenses from your pocket. After which you can renew your car insurance policy or purchase a new one since your existing one has expired. Please note that the insurer will not pay for the damage sustained by your car while your policy has lapsed.

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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.

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