How to Check Car Insurance Policy Status Online?

According to the Motor Vehicles Act of 1988, all car owners in India must have a valid car insurance policy. After all, it's important that you insure yourself and your loved ones against unforeseen circumstances like accidents. But, at times having a policy is not enough. It becomes critical to even know its status. While there are several ways to do that, here’s a simple guide on how you can check. Before we proceed, let's take a look at some of the benefits that are associated with purchasing a comprehensive Car Insurance Policy:

1. Provides monetary benefits in case of an accident.
2. Covers car repair bills resulting from damage caused in an accident.
3. Your car insurance will provide coverage for damage occurring due to fire, earthquakes and other natural calamities.
4. Provides financial remuneration if your car is stolen.

Besides, there are many other advantages of purchasing car insurance. So, make sure to do your homework. It's necessary to have your car insurance details handy at all times. This will help you to file for a timely insurance claim during your hour of need. The Insurance Information Bureau (IIB) maintains a website that contains digitised records of all car insurance holders in India. You can visit their website and enter the details to check the status of your car insurance policy.

Important Points to Check Before Buying a Car Insurance

Ensuring the validity of your car insurance policy is paramount to safeguarding yourself against potential risks on the road. Check car insurance online regularly to ensure not only legal compliance but also financial protection and peace of mind. Some of the important points of checking are:

Validity Assurance:

Regularly checking your car insurance status online ensures you're aware of the policy's validity. This prevents missing renewal dates, allowing continuous coverage against accidents or damages.

Legal Compliance:

Driving without valid insurance can lead to legal consequences as per the Motor Vehicles Act. Checking insurance status helps avoid penalties, license confiscation, and legal hassles.

Financial Protection:

By staying informed about your insurance status, you remain covered against financial liabilities arising from accidents or unforeseen events, protecting you from unexpected expenses.

Convenience:

With digital services offered by insurers, checking car insurance online has become effortless. Utilise insurer websites, apps, or government portals for easy access to policy details and status updates.

Renewal Benefits:

Timely renewal ensures continuity of benefits like No Claim Bonus while allowing you to explore new policy options conveniently online.

Steps to Check Car Insurance Validity

Performing an car insurance online check to ensure your car insurance is valid is crucial for staying protected on the road. To check your vehicle insurance status, you have two options: the IIB portal and the Vahan website.

Through the IIB portal:

1. Visit the Insurance Information Bureau of India (IIB) official website.’
2. Click on the ‘Vehicle Insurance’ tab and select ‘Insurance Status’.
3. Enter your vehicle registration number and click ‘Get Status’.
4. Your insurance details, including expiry date and insurer's name, will be displayed.

Through Vahan website:

1. Go to the official Vahan website.
2. Choose the ‘Insurance Status’ option from the menu.
3. Enter your car’s registration number and click ‘Get Details’.
4. Your insurance status, including expiry date and policy number, will appear.
5. You can also download a copy of your insurance certificate.
6. Both platforms offer convenient ways to access and manage your vehicle insurance information, ensuring you stay informed about your coverage and policy details.

How to use the IIB portal to Check Vehicle Insurance?

The IIB portal is an online platform where individuals can access information about their insurance policies, check the status of their claims, and report fraud or other issues related to insurance. The portal also provides various services like vehicle insurance status check, policy verification, and more. It's a useful tool for policyholders to stay informed about their insurance coverage and for insurers to manage their risk. Here is how you can check your vehicle insurance status on the IIB portal:

1. Visit the official website of the Insurance Information Bureau of India (IIB).
2. Find the tab that says ‘Vehicle Insurance’ on the homepage and click on it.
3. A drop-down menu will open. Select the option that says ‘Insurance Status’.
4. Enter the registration number of your vehicle and click on the ‘Get Status’ option.
5. Your insurance status will be displayed on the screen, including the expiry date and the name of the insurance company.

Check the Status of your Car Insurance Policy through Vahan

The Vahan website is an initiative of the Ministry of Road Transport and Highways in India, which aims to provide a centralized platform for vehicle registration and other related services. The website provides various services such as Vehicle Registration, renewal, transfer of ownership, and other related services. One of those services is to check the status of an insurance policy. The Vahan website is a useful tool for vehicle owners, RTOs and other government agencies, insurers, and other stakeholders to manage their vehicle-related activities. *

1. Visit the official Vahan website.
2. Select the ‘Insurance Status’ option in the menu you will find on the left side of the page.
3. Enter the registration number of your car and click on the ‘Get Details’ button.
4. Your insurance status will be displayed, including the expiration date, the name of the insurance company, and the policy number.
5. You can also download a copy of your insurance certificate for your records.

* Standard T&C Apply

Things to Take Care

1. Ensure that you enter your car’s registration number without any special characters.
2. If you have recently insured your vehicle, then your car insurance policy data won’t be available.
3. In the case of a brand-new car, try entering the chassis number and engine number instead of the registration number.
4. Only data that was submitted after March 2010 by insurers will be available.
5. You can utilize this search option from your registered mobile number or email ID for a maximum number of 3 times.
6. If your data is unavailable or not getting displayed, make sure to approach the current RTA for your Car Insurance details.

Car Insurance Renewal Process

1. First, you'll be required to enter the requisite details like your policy number, the date your policy was issued and its expiry date.
2. After you enter the information, your policy details will be displayed on the screen.
3. Any changes in the car insurance cost over the past year will be highlighted along with the car insurance renewal details.
4. Only data that was submitted after March 2010 by insurers will be available.
5. Review the details and the terms and conditions before renewing your policy.

These useful Car Insurance details will come in handy at all times and hence it's recommended that you save this link for future reference. You can renew your lowest Car Insurance rates with comparison and implement some easy tips to reduce your premiums.

FAQs

1. How to check vehicle insurance status online? 

You can check the status of your vehicle insurance policy online in three simple ways. First, visit the IIB portal. Second, go to the VAHAN website. Third, you can check directly on the website of your insurance provider.

2. Why is checking the vehicle insurance status important? 

Checking vehicle insurance status is crucial to ensure continuous coverage, compliance with legal requirements, and avoiding penalties. It helps maintain financial protection against accidents or damages, ensuring peace of mind for vehicle owners.

3. What information do I need to check to know if I have vehicle insurance or not? 

To confirm vehicle insurance, gather policy details including the insurer's name, policy number, and vehicle registration information. Use these details to access online portals or contact the insurer directly for verification.

4. What happens if I drive a vehicle without insurance? 

Driving without insurance can lead to legal consequences such as fines, license confiscation, or even legal action. In case of accidents, without insurance, individuals bear full financial responsibility for damages, risking significant financial loss and legal complications.

5. How can I download my bike insurance copy? 

To download your bike insurance copy, visit the insurance company's website, log in to your account, select the Bike Insurance Policy, verify details, and download the copy for reference.   *Standard T&C Apply *Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale.