Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    Other models
    Other variants
    Select your variant
    View all variants
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Simple Ways to Check Whether Your Car Insurance Policy is Genuine or Not?

      While there are many car insurance providers available in the market, there are chances that if you get a policy that sounds very good, it may not be genuine. There are some simple ways to find out the reliability of your car insurance policy. These ways are effective, and if you follow them, you can easily know whether your car insurance policy is genuine.

      Read more

      Ways to Check Whether the Genuineness of Your Car Insurance Policy

      As per Indian Motor Laws, it is mandatory for every car owner to get a car insurance policy. However, purchasing genuine car insurance can be pretty tricky. While buying the cheapest car insurance policy may be tempting, there are also good chances of it not being authentic. Thus, you must be cautious enough and follow these simple ways to check the genuineness of a car policy before purchasing one. Take a look:

      • Speak with the Insurance Company: The first and simplest way to check the genuineness of your car insurance policy is to speak with your insurance provider. This you should do before buying a policy. However, if you have already bought a policy and want to check whether it is genuine or not, you can call the insurer's customer support and ask for the status of your policy there. Generally, contacting the insurer's toll-free number and customer care gives you a fair idea of its genuineness.
      • Choose the right medium to buy car insurance: Choosing the right medium to buy car insurance is essential. You can either go with the offline mode (agents and insurance providers directly) or buy vehicle insurance online. If you choose the offline mode, make sure to buy a policy from a reputed insurance provider/ agent. However, purchasing car insurance online can be beneficial as it lets you compare car insurance plans from multiple insurers before buying one. You can choose websites like Policybazaar.com to compare and buy the right motor insurance plan.
      • Get to know about the authenticity of the Insurance Agent: Many people choose to buy a car insurance policy through agents. If you, too, have the same sentiments, then check the authenticity of your insurance agent. This you can do by checking the credentials of the agent. Double-check his/her license number and badge for getting to know his/her identity. After this, you can check his/her details by authorities.
      • Avoid making any cash payment: When compared to offline payments, digital payments are fast and secure. Try to make payments with credit cards, cheques, or net banking. When you make payments online, you become eligible to see where your money is going, and you can see the details of all the transactions, including the information of the beneficiary account and your payment evidence.
      • Keep all the payment receipts: You must make sure to get and keep all your premium payment receipts with you. These receipts work as evidence of your payments. A genuine insurance provider emails you all your premium payment receipts, or you can log in to your insurance provider's account to check these receipts. You can also download the premium payment receipts from your account at the insurer's website.
      • Verify the QR Code: According to the regulations of IRDAI, it is compulsory for every insurance policy sold by the insurer to have a QR code. This code enables you to check the genuineness of the insurance policy. You can quickly scan this QR code through the QR code scanner app of your smartphone. Upon scanning this code, you can see the information and status of your car insurance policy.
      • Check all the essential details carefully: Ensure all your important documents are correct. All your details like ‘No Claim Bonus’, deductibles, and Insured declared Value (IDV) are accurate. One of the best ways to find out the authenticity of the insurance policy is that it is available at a very low premium. If you find that the IDV and NCB are not mentioned accurately in your policy documents, get them corrected immediately. This is to avoid inconveniences in the future.
      • Sign insurance cover note/ proposal by yourself: The cover notes or the proposal form includes various information related to your car insurance policy. Therefore, you must sign these documents carefully after checking all your details correctly. The proposal form contains your car's engine capacity, its make and model, and whether it runs on petrol or diesel, etc.

      You May Also Read: Your Guide to Reducing the Chances of a Rejected Motor Insurance Claim

      Why is it Essential to Check the Genuineness of the Insurance Policy?

      A car insurance policy is not only legally necessary; instead, it acts as a protective cover for your car. It safeguards your vehicle against any kind of damage, collisions, or any other unfortunate events. So, you do not want to end up spending money from your pocket on your car’s repair if it gets damaged in an accident.

      Moreover, you do not want to be legally liable because of a fake insurance policy for your car. Therefore, it is essential to check the genuineness of your car insurance policy before purchasing.

      Summing It Up!

      You can easily get tempted by the lower premiums offered by an insurance company for your car insurance policy. But as it is said, “Prevention is better than cure”, so make sure to check your car insurance policy's genuineness by following the ways mentioned above and staying safe without worrying much. Also, if you plan to buy a car insurance policy through an agent, don’t forget to check his/her authenticity beforehand.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      • Recent Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar Claim...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration Number

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL