How to Check Car Insurance Status Online on Parivahan Sewa/ RTO?

A car insurance policy financially protects a four wheeler against unforeseen loss or damages arising out of the vehicle. It also provides financial assistance to the car owner to pay off third party legal liabilities resulting from causing accidental property damages or injuries to third parties. The policy also compensates for accidental death or disability of the insured car’s owner-driver.

Validity of a Car Insurance Policy

All car insurance policies come with validity. Most four wheeler insurance plans are valid for a period of one year. You are supposed to renew your policy before the expiry date to continue the coverage.

In case you have just purchased a new car, then you will need to buy a car insurance policy for a tenure of three years as per the motor laws. Towards the end of your three-year policy tenure, you will have to renew your policy. This time you will be able to buy a car insurance policy for one year and will need to renew it annually.

Always renew your car insurance policy before it expires to avoid landing yourself in any legal and financial trouble.

Why Should You Renew Your Car Insurance Policy on Time? 

Renewing your car insurance policy before its expiry is essential for the continued coverage of your car. If the policy is not renewed by the due date, your car insurance policy will expire or lapse. Here are the consequences of having a lapsed car insurance policy:

1. No Claims to Be Entertained

If your car insurance policy has expired, your motor insurer no longer has the legal liability to cover any loss or damages arising out of your vehicle. Your insurer will not pay for your third parties liabilities or own car damages after the policy has expired. As a result, you will be forced to bear the cost of repairing your car or compensating the third parties on your own leading to financial distress.

2. Violation of Motor Laws

Car insurance is not a choice in India. Every car owner must insure his/her vehicle with at least third party cover as long as the vehicle is in use. If you do not renew your policy and it lapses, you will violate the motor laws of the country.

In case you are caught driving your uninsured car on public roads, you may be issued a challan for Rs 2000 and/or jail imprisonment for up to six months for the first offence. If caught for the second time, the fine amount will increase to Rs 4000.

3. Higher Car Insurance Renewal Premium

If your car insurance policy has lapsed, the insurer may consider you a careless person and may charge you a higher renewal premium. Besides, your vehicle will have to undergo an inspection at the time of policy renewal in case of a lapsed policy. The inspection may highlight the increased liability of the insurer towards your car. As a result, they may charge you a higher car insurance premium during renewal.

4. Loss of No Claim Bonus

No Claim Bonus (NCB) is saving on a renewal premium that is granted to the car owner for every claim-free year. The NCB can help you to save on your renewal premium by up to 50%. But if you do not renew your policy within 90 days of your expiry date, you will lose your NCB.

Make sure to remember your car insurance policy expiry date and renew the policy before it expires. If you wondering how to find your policy expiry date, we are here to help.

How to Check Your Car Insurance Policy Expiry Date?

There are multiple ways of checking the status of your car insurance policy and knowing its expiry date. Here are some of the ways of checking your car insurance policy expiry date:

• Check your car insurance policy document
• Call the insurer’s customer support and ask them the expiry date
• Contact your insurance agent and ask the expiry date if you had purchased the policy through him/her
• Go to the website of the Insurance Information Bureau (IIB) of India and check your policy status
• Visit your Regional Transport Office (RTO)’s website and know your policy status
• Go to the Parivahan Sewa website and check the policy status

How to Check Car Insurance Status Online on Parivahan Sewa?

Parivahan Sewa is a centralized website maintained by the Ministry of Road Transport & Highways that stores the data of all the vehicles across the country. When a motor insurance policy is purchased or renewed, the data is updated on the Parivahan Sewa website within two days.

Follow the steps given below to check the status of your car insurance policy online on Parivahan Sewa:

• Visit the official website of Parivahan Sewa
• Go to the ‘Informational Services’ tab on the menu bar
• Click on ‘Know your Vehicle Details’ from the drop-down menu
• You will be redirected to the Vahan NR e-Services page.
• Enter your registered mobile number for citizen login
• After login, fill in your car registration number and the verification code
• Click on ‘Search Vehicle’
• The details of your car along with its insurance expiry date will be displayed

How to Check Car Insurance Status at the RTO?

Every vehicle is registered by a Regional Transport Office or RTO. You can know the expiry date of your four wheeler insurance policy by visiting your RTO’s website. Follow the steps given below to check your car insurance policy status through your RTO:

• Visit the official website of your State’s transport office
• Go to the option of ‘Online Services - For Citizens’
• Select the ‘Vehicle Related Online Services’ option
• Click on the link for ‘VAHAN Citizen Services’
• Select the details of your RTO where your car is registered
• Go to the ‘Status’ tab on the menu bar and select ‘Know your Vehicle Details’
• Enter your car’s registration number, chassis no and engine no
• Fill in the captcha code and submit the details
• The details of your vehicle will be displayed

Summing It Up

Renewing your car insurance policy on time is important to avoid facing any unfavourable consequences, such as a higher renewal premium, rejection of the claim, etc. You can set reminders on your phone/ email so that you do not forget to renew your policy. In case you are unsure of the policy expiry date, you can check your car insurance policy status easily on the website of Parivahan Sewa as well as your RTO amongst other ways.