How to Find Car Insurance Details by Registration Number?

What is a Car Registration Number?

A car registration number is a unique 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 that will become its identity.

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A vehicle registration number is a 10-digit number. In this number, the first two digits imply the state from where the car is registered, the next two digits mean the district code, and the remaining four digits are the unique identification number. If a unique number is not available, then one or more letters are added before it to make it unique.

Let's say if the car registration number is UK 04 AA 9596, UK stands for Uttarakhand, 04 refers to the district of the state to which the car belongs to i.e. Nainital, and 9596 is the unique identification number of the vehicle. AA is the additional letters added to make the number 9596 unique.

You are required to have a registration number to buy car insurance policy. Once you have purchased it, a car insurance policy number is provided by the insurer.

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Importance of a Car Insurance Policy Number

Below are some of the reasons why a car insurance policy number is of extreme importance:

• 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 in the case of an accident or theft claim, the police might ask for the insurance policy number.
• At the Time of Policy Renewal - For the renewal of car insurance policy, you will needthe policy number. 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, then you can either show your policy document or share your policy number for them to cross-check its validity.
• To Apply for Duplicate Car Insurance Policy Documents - If you have lost the original copy of your motor insurance policy, you can apply for a duplicate one with the help of the policy number.

Ways to Find Car Insurance Details by Registration Number

If you have forgotten the car insurance policy number or lost your policy document, then you can easily find vehicle insurance details by registration number. Your car insurance policy is linked with the car registration number and hence, you can check insurance details with its help. Here are some of the ways to find car insurance details by registration number-

Online Mode 

Use the following methods to find car insurance policy number online with the help of its registration number-

Check Car Insurance Policy Details Via IIB

IRDAI has launched the insurance data depository known as the Insurance Information Bureau (IIB). You can access the official website of IIB to check car insurance details by registration number. Here are some of the steps that you need to follow-

1. Visit the official website of IIB
2. Click on ‘V-Seva’ under 'Quick Links' and you will be redirected to the ‘Accident Vehicle Information Retrieval System’
3. Fill in the name and address of the vehicle owner
4. Enter the registration number of the car
5. Fill in the mobile no. and the registered email id of the car owner
6. Add the place and date of the accident (if needed)
7. Click on the ‘Submit’ button
8. You will be able to retrieve all the information related to your car.

Check Car Insurance Policy Details Via VAHAN

The Ministry of Road Transport and Highways also holds the details of a motor insurance policy. All you need to do is enter your car registration number to get access to car insurance policy information. Follow the below steps to access the insurance details of the vehicle by registration number from the VAHAN portal-

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 screen

Check Car Insurance Policy Via Car Insurer's Website

By visiting the official website of the insurer, you can check the car insurance policy number. You just need to log in to your account to access all the details of your car insurance policy.

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Offline Mode

There are two methods for accessing car insurance policy information offline. Either you can call the insurance company or visit the respective RTO office to avail the information.

Conclusion

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