How To Find Car Insurance Details By Registration Number?

Everyone driving a car on the road must have a four-wheeler insurance policy. It's not just a safety net that protects you from financial & legal liabilities; it's the law! There are several occasions where you require information about a vehicle's insurance, such as checking the car insurance coverage following a collision or before buying a used vehicle, among others. This article is a guide on why it is important to know the vehicle insurance details using its registration number and how to do it.

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What is a Car Registration Number?

A car registration number is a 10-digit number issued to a car by the RTO of your district. When you buy a car, it is obligatory to register it within 30 days from the date of buying at the nearest RTO. Then, the respective RTO will allot a unique number to the car to become its identity or number plate.

Typically, this number's first two alphabets indicate the state code, the next two digits mean the specific RTO where the car is registered, the next is the series within the RTO, and the remaining four digits are the unique identification number of the registered vehicle.

Moreover, to simplify registration of vehicles and make it easier for those who often relocate for work, the government of India introduced BH (Bharat Series) registration number plate in 2021. In a BH series number, the first two digits represent the year of vehicle registration; the next is 'BH', then the 4-digit unique number of the registered vehicle, and the last two are the random alphabets.

Just like a registration number is essential for vehicle identification, car insurance is equally crucial for both the financial & legal protection of vehicle owners against unexpected events. Regardless of the type of number plate you choose, a registration number is required to buy a car insurance policy.

You May Also Read: How to Transfer Old Car Registration Number to New Car

How to Find Vehicle/Car Insurance Details Online by Registration Number?

You can quickly run a car insurance policy check by vehicle number or number plate, which is directly linked to your policy. Here are different ways to do so:-

• Car Insurance Details through VAHAN
• Vehicle Insurance Details via Insurer's Website
• Car Insurance Online Check from Policybazaar.com
• Vehicle Insurance Details Online through IIB Portal

1. Vehicle/Car Insurance Details via VAHAN

   The Ministry of Road Transport and Highways has all the details of a car insurance policy. You need to enter your vehicle number on the VAHAN e-services portal to access policy information. Here is the process:

   1. Visit the official website of VAHAN e-services and go to the tab 'Know Your Vehicle Details.'
   2. Enter a mobile number to log into an account or create an account
   3. Fill in the details like the registration number of the car, and enter the verification code
   4. Click on the 'Search Vehicle' option, and all details related to the car insurance policy will appear on the screen.

   Also Read: Check Car Insurance Status Online

2. Check Car Insurance Details Online via the Insurer's Website

   You can also perform a vehicle insurance check online through your insurance company. Here are the steps:

   1. Visit your insurer's website.
   2. Log in to your account using your registered phone number or email.
   3. Now, in your account dashboard, you will be able to access all details of your car insurance policy.

3. Check Car Insurance Details Online on Policybazaar.com

   If you have purchased your policy from us, you can run a car insurance online check by following these steps:

   1. Go to Policybazaar.com and click ‘Sign in.,
   2. Enter your registered phone number/email and enter the OTP.
   3. Now, in your account dashboard, you will find your car insurance details under the ‘Your Policies, section.

4. Check Vehicle Insurance Details Online on IIB Portal

   The Insurance Information Bureau (IIB) is a data repository & analytics organization set up by IRDAI. It manages insurance-related information, particularly for motor insurance policies. Previously, individuals could verify vehicle insurance status online through the IIB portal. However, this service is no longer available. Alternatively, you can obtain car insurance details through other methods. These include the VAHAN portal, mParivahan app, or Policybazaar.com.

How to Get Vehicle Insurance Details Offline?

There are two methods for accessing car insurance policy information offline:

1. You can get in touch with your insurance company,s customer support team.
2. Visit the respective RTO (Regional Transport Office) to obtain your car insurance details.

How to Check Vehicle Owner Details Via SMS?

Earlier, there was an option to check vehicle owner details via SMS. It allows you to send an SMS with your vehicle registration number to 7738299899 to find RTO vehicle owner details on your mobile phone.

However, this feature is not available anymore as the given number does not exist.

You can also check vehicle insurance details by registration number by downloading the mParivahan app on your mobile phone.

Importance of Having Car Insurance Details Handy

Below are some of the reasons why you should always have your car insurance details with you:

• For Raising Claims - An insurer will ask for a car insurance policy number when you are raising a claim. Even when you have to file an FIR for a third party, accident or theft claim, the police might ask for the insurance policy number.
• At the time of Policy Renewal - For the renewal of the car insurance policy, you will need vehicle insurance details.. You will also need this number for transferring the existing NCB to the new policy.
• For Verification of Car Details - When the traffic police stop your car during random checks and ask to see your car insurance policy, you can either show your policy document or share your policy number so they can cross-check its validity.
• To Apply for Duplicate Car Insurance Policy Documents - If you have lost the original policy documents, you can download a duplicate copy of your car insurance policy in just a few minutes using your policy number.

Wrapping Up!

Car insurance is essential to protect vehicles financially and abide by the law. This makes it important to renew your car policy on time. If you wish to know the policy end date and do not have policy details, you can use the car plate number to get car insurance details.