How to Check Car and Vehicle Insurance Status Online?

Whether you drive daily or once in a few months, having a valid motor insurance policy is mandatory in India. Like any other crucial document, car insurance also expires. Hence, you must renew it on time and avoid any hassle. Thankfully, checking your vehicle insurance status is now simpler than ever and can be done online through several official portals like Parivahan Sewa, mParivahan App, and much more. Let's explore how to easily check your car insurance status/validity online using these platforms.

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Validity of Car Insurance

Every car insurance policy comes with a validity. Most four-wheeler insurance plans are valid for one year. So, you are supposed to renew your policy before its expiry to continue the coverage benefits.

If you have just purchased a new car, buy a bundled car insurance policy offering 3-year third-party and 1-year damage cover. The own damage policy has to be renewed within a year, while the third-party policy can be renewed towards the end of the third year. After this, you can buy a car insurance policy for one year and renew it annually. You can also invest in comprehensive car insurance this time.

How to Check Car Insurance Validity?

Below, we have mentioned some helpful ways to check car insurance status online so that you can renew your policy before it expires and avoid any legal and financial trouble.

1. Policy Document: The simplest way to check your car insurance validity is by going through your policy documents.
2. Insurer's Website: You can quickly run your vehicle insurance status check online by logging in to your account on the insurer's website.
3. Insurance Agent: If you purchased the policy through an insurance agent, simply call them to know your car insurance validity.
4. Insurer's Customer Support: Get in touch with the customer support team of your car insurance company and ask for your policy expiry date.
5. mParivahan App: You can easily run a vehicle insurance status check online via mParivahan app.
6. Policybazaar.com: If you have purchased your car insurance from Policybazaar.com, simply log in to your account dashboard and access all your policy information.
7. Parivahan Sewa Website: 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).
8. VAHAN E-Services: The VAHAN e-services portal also allows you to do a vehicle insurance status check online in just a few minutes.app
9. RTO Website: Visit your Regional Transport Office (RTO)'s website and know your car insurance status.

You May Also Read: Find Car Insurance Details by Reg Number

How to Check Vehicle Insurance Status Online on Parivahan Sewa?

Parivahan Sewa is a centralised website maintained by the Ministry of Road Transport & Highways that stores data of all vehicles across the country.

Follow these steps below for a car insurance expiry date check online through Parivahan Sewa:

Step 1: Visit the official website of Parivahan Sewa

Step 2: Go to the 'Informational Services' tab on the menu bar

Step 3: Click on 'Know your Vehicle Details' from the drop-down menu

Step 4: You will be redirected to the Vahan NR e-Services page.

Step 5: Enter your registered mobile number for citizen login

Step 6: After login, fill in your car registration number and the verification code

Step 7: Click on 'Search Vehicle'

Step 8: The details of your car, along with its insurance expiry date, will be displayed as shown.

How to Check Car Insurance Status Online Using mParivahan App?

Apart from using the Parivahan portal, you can also do a vehicle insurance status check online on the mParivahan app. This app was launched by The Ministry of Transport and provides easy access to all your vehicle documents.

Follow these simple steps for mParivahan insurance check using the app:

Step 1: Install the mParivahan App on your mobile phone.

Step 2: Select the desired language and select the 'Continue' option

Step 3: You will now be directed to a dashboard with two options to check your car insurance status.

Step 4: The first option is via your car registration number, and the second is via the Driving license number.

Step 5: Enter either of the two and click on the 'Search' button

Step 6: Now, sign in using your registered mobile number and continue

Step 7: Once signed, you can now check car insurance validity on this app.

How to Check Car Insurance Status Online on the VAHAN Portal?

Another way to check your car insurance status online is by using the VAHAN web portal, which is a one-stop shop for all the information related to your vehicle. Here is how to run a car insurance status check online on VAHAN:

Step 1: Visit the Vahan-e-services portal.

Step 2: Now navigate to the 'Know your vehicle details' from the homepage

Step 3: Enter your Mobile Number to log in, or 'Create a new account

Step 4: Once logged in, enter the registration number of your car along with the captcha

Step 5: Click the ' Search Vehicle' option

Step 6: You can now find all the details of your vehicle, including your car insurance details.

However, 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.

You May Also Read: Check Car Valuation Online

How to Check Vehicle Insurance Status Online on the IIB Portal?

The Insurance Information Bureau (IIB) is a data repository and analytics body established by IRDAI. It manages insurance-related information, especially for car insurance policies. Earlier, there was an option to check car insurance status online through the IIB portal. However, this option is no longer available. You can also check vehicle insurance details through other ways, such as the mParivahan app, VAHAN portal, or Policybazaar.com.

You May Also Read: How to Transfer Car Ownership Online?

How to Check Car Insurance Status Through RTO?

Every vehicle is registered by an RTO present in a particular city and state. You can also know the expiry date of your four-wheeler insurance policy by visiting your state's RTO website. Follow the steps given below to check car insurance status online through your RTO:

Step 1: Visit the official website of your State's transport office

Step 2: Go to the option of 'Online Services - For Citizens'

Step 3: Select the 'Vehicle Related Online Services' option

Step 4: Click on the link for 'VAHAN Citizen Services.'

Step 5: Select the details of your RTO where your car is registered

Step 6: Go to the 'Status' tab on the menu and select 'Know your Vehicle Details.'

Step 7: Enter your car's registration number, chassis number and engine number.

Step 8: Fill in the captcha code and submit the details

Step 9: The details of your vehicle and its insurance status will be displayed

How to Check Car Insurance Status Online on Policybazaar.com?

If you have purchased your motor insurance from Policybazaar Insurance Brokers Private Limited, here is how you can check your car insurance status online on the website:

Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited, i.e. Policybazaar.com

Step 2: From the homepage, sign in to your account by entering your mobile number and OTP/password

Step 3: You will now be redirected to your account dashboard

Step 4: Select the policy whose status you wish to check from the 'Policies' tab

Step 5: The current status of your vehicle insurance policy will be displayed along with other details.

How to Check Car/Vehicle Insurance Status Offline?

Apart from these online solutions, you can also do a car insurance status check by going to 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 policy.

Importance of Vehicle Insurance Status Check Online

Doing a vehicle insurance check online is as essential as purchasing a comprehensive car insurance policy. Although it is advisable to buy a comprehensive insurance plan, it is mandatory to insure your car with a third-party insurance policy per the country's motor laws.

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?

Renewing your car insurance policy before its expiry date is essential for the continued coverage of your car. If the policy is not renewed by the due date, your car insurance policy will expire or lapse. Here are the consequences of having a lapsed car insurance policy:

1. No Claims to Be Entertained

   If your car insurance policy has expired, your motor insurer no longer has the legal liability to cover any loss or damages arising from your vehicle. Your insurer will not pay for your third-party liabilities or own car damages after the policy has expired. As a result, you will be forced to bear the cost of repairing your car or compensating the third parties on your own, leading to financial distress.

2. Violation of Motor Laws

   Car insurance is not a choice in India. Every car owner must insure his/her vehicle with at least third-party cover as long as the car is in use. If you do not renew your policy and it lapses, you will violate the motor laws of the country.
   If caught driving your uninsured car on public roads, you may be issued a challan for Rs 2,000 and/or jail imprisonment for up to three months. Thus, to keep yourself safe from these hefty fines, regular car insurance renewal is necessary.

3. Higher Car Insurance Renewal Premium

   If your car insurance policy has lapsed, the insurer may consider you a careless person and may charge you a higher renewal premium. Besides, your vehicle will have to undergo an inspection during policy renewal in case of a lapsed policy. The inspection may highlight the insurer's increased liability for your car. As a result, they may charge you a higher car insurance premium during renewal.

4. Loss of No Claim Bonus

   No Claim Bonus (NCB) is saving on a renewal premium that is granted to the car owner for every claim-free year. The NCB can help you to save on your renewal premium by up to 50%. However, if you do not renew your car policy within 90 days of your expiry date, you will lose your NCB.