Should You Renew Car Insurance During Coronavirus Lockdown?

Coronavirus has brought the entire world to a halt. Countries across the globe have imposed a lockdown on their citizens to curb the spread of the COVID-19 disease. India has also been in a nationwide lockdown since 25 March 2020 with most of the citizens locked up in their homes. As a result, people have not used their cars for weeks now and wondering if they should get their car insurance renewed. Most people are confused about going ahead with their car insurance renewals despite the coronavirus lockdown keeping most vehicles off the road. 

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Well! All cars owners must renew their car insurance policies despite lockdown due to car owners. If the car insurance policy is due to renew during the lockdown, you must get it renewed before the expiry date. It does not matter whether you will be able to use your car in a week or after a couple of months. What holds greater value is that you renew your car insurance during this lockdown due to coronavirus to keep your car covered against any unforeseen emergencies.

Non-Accidental Risks That Could Damage Cars during Lockdown

Many people may argue that their car is free from any risk as they are not going out on the road in the lockdown. That may be true in case of accidents. However, a car can suffer from several kinds of damages during the coronavirus lockdown besides those resulting out of an accident, making it important for people to renew their car insurance on time. To give you a better perspective, here is a list of non-accidental risks that continues to surround your car during the lockdown:

Natural Calamities

Whether there is a lockdown or not, natural calamities can occur anytime without warning. Calamities, such as earthquakes, floods, cyclone, landslides, etc are beyond a person’s control and can lead to major loss or damages to your vehicle. As a matter of fact, about 3-4 earthquakes have rocked the country ever since the lockdown started and recently cyclone Amphan made landfall at the eastern coast of the country. Thus, the only way to keep your car safe from such calamities is by keeping your car insurance valid even during the lockdown.


Even if your car is off the road, it is still at risk from the danger of fire. A simple short-circuit can happen even if the car is standing in the parking and damage it completely. If you want to get your losses recovered in case your car catches fire during the lockdown, make sure to have a valid car insurance policy.


Cars may not be plying on public roads due to lockdown, but they are still standing alone on roads or garages. With not so many people outside their houses, the probability of car robbery cannot be negated. Thus, you need to get your car insurance policy renewed before expiry to be able to make a theft claim to your motor insurance provider.


Car vandalism can happen even during the lockdown. For instance, imagine a heavy plant pot suddenly dropping from your balcony on your car’s windshield, shattering it. Even though the car was not being used, it will get damaged with no fault of yours. But if you have your car insurance renewed, you will be able to get the losses recovered even during the coronavirus lockdown.

Why Should You Renew Your Car Insurance Amidst Coronavirus Lockdown?

The coronavirus pandemic has caught everybody off-guard and millions of people are suffering from hardships as a consequence. But if you don’t get you car insurance policy renewed before expiry, you may end up suffering more losses. Take a look at the reasons why it is important to renew your car insurance during the lockdown due to coronavirus:

No Rejection of Claims

No policy means no acceptance of claims. If you do not get your car insurance renewed before its expiry, you will not be able to make any claims. Even during the coronavirus lockdown, your car is at risk and therefore, it is important to renew your car insurance policy on time to avoid any rejection of claims.

Secure No Claim Bonus

No Claim Bonus or NCB is the discount that you get for not raising any car insurance claims during a policy term. The bonus can be accumulated up to 50% and can be used to receive a discount on premium, provided you renew your policy before expiry. So if you don’t want to lose out on your carefully earned NCB then don’t forget to renew your car insurance even during the lockdown.

No Rise in Premium

A car insurance policy is generally renewed at a lower premium rate as compared to buying a fresh policy. If you do not renew your policy during the lockdown, your policy will lapse. Eventually, you will have to buy a fresh policy, which will most likely come at a higher rate of interest. Therefore, get your car insurance policy renewed on time despite coronavirus lockdown to evade any chances of an increase in premium.  

No Need for Inspection

Most motor insurance providers don’t need vehicle inspection for car insurance renewal. But if you do not renew your policy on time, you may have to buy a new car insurance policy, which may require a vehicle inspection. Thus, if you don’t want the hassle of getting your car inspected before policy purchase, make sure to renew your policy before expiry even during the lockdown.

How to Renew Car Insurance During Lockdown?

During this lockdown due to coronavirus, the best way to renew your car insurance policy is online. You can go to the renewal section on the website. Enter the details of your car insurance policy, such as the policy number and select the plan that you want to renew. You can also choose any add-on covers if you want and pay the premium amount online. Once the premium has been paid, your car insurance policy will be renewed.


Written By: PolicyBazaar - Updated: 26 June 2021
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