Check Car Insurance Status Online
When you check your car insurance status online, you can quickly know whether your policy is active or expired, or due for renewal. It helps you verify your policy validity, coverage details, and avoid fines. Here is a comprehensive guide on how to check car insurance status online so you can maintain continuous coverage and stay legally protected at all times.
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Validity of a Car Insurance Policy
Before we learn different ways to check vehicle insurance status online, let's understand what car insurance validity means. Every car insurance policy comes with a validity (usually one year) during which the coverage remains active. So, it is important to renew your policy before its expiry to ensure continued coverage.
If you have just purchased a new car, you should consider buying a bundled car insurance policy. It includes a 3-year third-party (TP) and 1-year own damage (OD) cover. You will need to renew the OD coverage after one year, while the 3rd-party policy will be renewed at the end of the third year. After this period, you can buy comprehensive car insurance that covers both OD and TP coverage for one year.
How to Check Car Insurance Status and Validity?
Below, we have mentioned multiple ways to check your car insurance status and validity, so you can renew your policy before it expires and avoid any legal or financial trouble:
| Method | How to Check Car Insurance Status |
|---|---|
| Insurer's Website | You can quickly run your vehicle insurance status check online by logging in to your account on the insurer's website. |
| Parivahan Sewa Portal | You can also access information about your car insurance validity through the Parivahan Sewa website, which is maintained by MoRTH (Ministry of Road Transport & Highways). |
| VAHAN e-Service | The VAHAN e-services portal also allows you to do a vehicle insurance status check online in just a few minutes. |
| RTO Website | Visit your Regional Transport Office (RTO)'s website and know your car insurance status. |
| mParivahan App | You can easily run a vehicle insurance status check online via mParivahan app. |
| Policybazaar.com | If you have purchased your car insurance from Policybazaar.com, simply log in to your account dashboard for your vehicle insurance check. |
| Insurer's Customer Support | Get in touch with the customer support team of your car insurance company and ask for your policy expiry date. |
| Insurance Agent | If you have purchased the policy through an insurance agent, simply call them to know your car insurance validity. |
| Policy Document | If you have purchased the policy through an insurance agent, simply call them to know your car insurance validity. |
How to Check Vehicle Insurance Status 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 logging in, 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 as shown
Check Car Insurance Details Using the mParivahan App
Apart from using the Parivahan portal, you can also do a vehicle insurance status check online on the mParivahan app, which provides easy access to all your vehicle documents.
Follow these simple steps for mParivahan insurance check using the app:
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Install the mParivahan App on your mobile phone.
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Select the desired language and select the 'Continue' option
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You will now be directed to a dashboard with two options to check car insurance status
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The first option is via your car registration number, and the second is via your driving license number
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Enter either of the two and click on the 'Search' button
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Now, sign in using your registered mobile number and continue
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Once signed, you can now check car insurance validity on this app.
Check Car Insurance Status Online on the VAHAN Portal
Another convenient way to check your car insurance status online is through the VAHAN web portal.
Here are the steps to run a car insurance status check online on VAHAN:
- Visit the Vahan-e-services portal.
- Now navigate to the 'Know your vehicle details' from the homepage
- Enter your Mobile Number to log in, or 'Create a new account
- Once logged in, enter the registration number of your car along with the captcha
- Click the ' Search Vehicle' option
- You can now find all the details of your vehicle, including your car insurance details.
Note: There may be cases when your car insurance details are not updated in the VAHAN portal or the mParivahan app. In such cases, you must wait around 30 days for your policy to reflect on the portal once it has been issued. If you are still having issues viewing your car insurance policy, you can contact our customer support portal at Policybazaar.com.
How to Check Vehicle Insurance Status Online on the IIB Portal?
The option to check vehicle insurance status online on the IIB (Insurance Information Bureau) portal was earlier available, but is no longer there. Instead, you can check vehicle insurance details on the mParivahan app, VAHAN portal, or Policybazaar.com.
How to Check Car Insurance Status Through RTO?
- Visit the official website of your State's transport office
- Go to '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 and select 'Know your Vehicle Details.'
- Enter your car's registration number, chassis number, and engine number.
- Fill in the captcha code and submit the details.
- The details of your vehicle and its insurance status will be displayed.
How to Check Car Insurance Expiry Date Online on Policybazaar.com?
If you have purchased your motor insurance from Policybazaar, you can check its status online on the website. Here are the steps:
- Visit Policybazaar.com.
- Sign in to your account dashboard and go to the 'Policies' section.
- Here, you can check vehicle insurance details, such as policy type, expiry date, renewal options, etc.
You May Also Read: How to Find Car Insurance Details by Registration Number?
How to Check Car Insurance Status Offline?
To check car insurance status offline, simply visit your concerned RTO. There, you will have to provide your vehicle's registration number, and they will give you all the information related to your car insurance validity.
How to Check Car Insurance Status of a Used Car?
If you are buying a pre-owned or second-hand car, it is crucial to verify its insurance status before transferring ownership. Similar to the process for a new car, you can check car insurance status of a used car via various methods as mentioned above. Remember to get the RC and used car insurance policy transferred to your name within 14 days of purchase to avoid claim denials.
Importance of Vehicle Insurance Status Check Online
Doing a vehicle insurance check online is as essential as having a valid car insurance policy. As per the Indian Motor Vehicles Act, 1988, it is mandatory to insure your car with at least a third-party insurance plan. Hence, once you have purchased a car insurance policy, it is advised to keep tabs on the insurance plan by checking its renewal date and other general information. This is important because missing out on your policy renewal or not getting any details related to your car updated in your policy can lead to claim rejection. By keeping a vehicle insurance check online, you do not have to worry about missing your policy renewals.
Why Should You Renew Your Car Insurance Policy on Time?
Timely renewal of your car insurance policy before its expiry date is essential for the continued protection of your car. If it is not renewed by the due date, your car insurance policy will expire or lapse, which will have some consequences. Take a look at what happens if you have a lapsed car insurance policy:
Common Errors When You Check Car Insurance Status Online
While checking vehicle insurance status online, you might see some errors, due to which you are unable to access your car insurance details. These include:
- Incorrect Vehicle Details: Even a simple typo while entering the vehicle registration number will not show your car insurance details. So, make sure you put the accurate information about your car and avoid adding unnecessary spaces to get the correct information about your vehicle insurance status.
- Wrong RTO Jurisdiction: Vehicle registration details are linked to a specific RTO (Regional Transport Office). If you look for your car insurance details under the wrong RTO, it will show errors. So, identify the correct state RTO from your car registration plate and then use official RTO websites for accurate information.
- Delays in Data Processing: When you purchase or renew car insurance, it can take up to 2 months for policy details to get updated in the database. Hence, if you check vehicle insurance status immediately after securing the policy, you might not see any information.
- Unverified Portals: Relying on unauthorised websites for car insurance status check is another common error that many users face. Hence, always use government-authorised platforms, such as the Parivahan Portal or websites with HTTPS encryption.
Tips to Ensure Your Car Insurance Remains Active
To make sure your car insurance coverage stays active, you should regularly check your vehicle insurance status. Besides, there are some helpful tips you can follow to keep your policy active and ensure peace of mind. These include:
Renew Before Expiry
The most essential tip is to renew your car insurance policy before its expiry. Driving without valid car insurance is illegal and can result in significant fines or even imprisonment.
Long-Term Policies
To reduce the frequency of renewals and the risk of missing a renewal, opt for long-term car insurance. It provides comprehensive protection for 3 years, covering both own damages and third-party liabilities.
Set Renewal Reminders
Another important tip to ensure continued coverage is to set a reminder a few days before the policy expiration so you can initiate the renewal process on time.
Ensure Updated Contact Details
Lastly, make sure your car insurance company has your most up-to-date contact information so you can receive all necessary communications promptly.
FAQs About Car Insurance Status
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Q1. Can I drive a new car without insurance?
Ans: You must not drive a new car without insurance. The Indian Motor Vehicles Act mandates every vehicle (old or new) to be insured under at least a third party insurance policy to ply legally on roads. Not having a valid car insurance policy is a punishable offence and attracts heavy fines. -
Q2. How do I check which type of car insurance I have?
Ans: If you are a Policybazaar customer, you can know your car insurance type from your account dashboard. Additionally, you can do a car insurance check from the insurer's website or the Parivahan Sewa portal. -
Q3. How to know my car insurance details via registration number?
Ans: You can visit the Parivahan Sewa website, VAHAN portal, mParivahan App, or IIB portal to easily check your car insurance status via vehicle number. -
Q4. How to check the car insurance claim status?
Ans: To check the claim status of your motor insurance policy, you can visit the insurer's official website and select the 'Track claim status' option. You can also visit Policybazaar.com and log in to your account dashboard to get the details of your car insurance claim. -
Q5. How can I download my car insurance policy online?
Ans: To download car insurance policy online, either visit your insurer's website/app or Policybazaar.com. Simply log in to your account dashboard to access your policy details and download the copy. -
Q6. What is the car insurance validity period?
Ans: A bundled car insurance policy for a new car is valid for 3 years or 5 years for third party liabilities and 1 year for own damages. A comprehensive car insurance plan is valid for 1 year only, after which it needs to be renewed annually. -
Q7. What happens if car insurance is not renewed?
Ans: If your car insurance policy is not renewed within the expiry date, it will lapse. A lapsed policy, when renewed, will not only attract a high premium but will also require inspection. Moreover, if a car policy is not renewed within 90 days of the grace period, the earned NCB is also lost. -
Q8. Is there any fee for checking vehicle insurance status online?
Ans: No. You can check car insurance status online at no cost. -
Q9. Why is it important to check car insurance status online?
Ans: Running the vehicle insurance check online is important to ensure legal compliance and road safety. It also keeps you informed about your policy coverage and when to renew it. -
Q10. How many days before I can renew my car insurance?
Ans: The best time to renew car insurance is 15-20 days before its expiry. -
Q11. Can I check car insurance status without a policy number?
Ans: You can check vehicle insurance status without a policy number using your car's registration number on the government's VAHAN portal or mParivahan app. -
Q12. What to do if car insurance status shows expired or not available?
Ans: Your car insurance status can show expired or not available if the policy has lapsed, an incorrect vehicle number has been entered, or the information has not been updated in the database. Hence, you should verify the entered information or renew your car insurance immediately.
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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
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