Check Car Insurance Online

Ensuring your car insurance is up to date is crucial, as policies have expiration dates. Whether you opt for online or offline methods, regularly checking your insurance status is essential. This allows you to verify your coverage period and ensure your vehicle is still protected. Keeping track of your policy ensures compliance with legal requirements while parallelly providing peace of mind, knowing that your vehicle is adequately insured. Let's delve into the hassle-free methods available to conveniently monitor and manage your car insurance online in this article.
 

Why is It Important To Do A Vehicle Insurance Check Online?

After you buy insurance, understanding your vehicle's insurance status is crucial to ensure compliance with the law. Every vehicle must have at least a third-party liability insurance plan as mandated by The Motor Vehicles Act. In today's digital era, checking your insurance status online has become effortless and efficient.

Here's why it is essential to check your insurance status –

• To Ensure Timely Policy Renewal
  Checking your car insurance online lets you renew your policy promptly, ensuring you stay covered.
   
• To Help Avoid Penalties
  Confirming your vehicle's insurance validity helps you avoid penalties or traffic fines, keeping you out of trouble with the law.
   
• To Get Protection Against Liabilities
  Verifying your insurance status ensures continuous coverage for third-party liabilities and financial obligations from accidents or vehicle damage, giving you peace of mind on the road.
   

Validity of A Car Insurance Policy

Every car insurance policy has a set duration. Typically, these policies last for at least one year. However, if you have purchased a new car, you might need a longer-term policy. New regulations state that every new car owner must have insurance with 3-year validity.

Once your policy expires, it is crucial to renew it promptly. To avoid missing the expiry date, set yourself a reminder and check your vehicle insurance status online. You also have the flexibility to conveniently purchase a one-year car insurance policy online, putting you in control of your coverage options.

By staying aware of your policy's validity and taking timely action, you can ensure continuous coverage for your vehicle without any hassles.
 

How To Check Car Insurance Status Online?

You can find out your car insurance status online through various platforms like the IIB Portal, VAHAN e-services, and Parivahan Sewa. These platforms offer convenient ways to verify your insurance details without hassle.
 

Guidelines To Check Car Insurance On The IIB Portal

When checking your car insurance on the IIB portal, it is crucial to be careful to avoid mistakes that could require redoing the process. Here are some guidelines to remember –

• Registration Details: Know your car's registration number, formatted like MH-02-DA-XXXX, without any special characters or spaces.
• Attempts Limit: You will have a maximum of three attempts, either through your mobile number or email address.
• Data Upload Time: It takes two months for information to appear on the IIB portal after it is uploaded. So, track your insurance status only after this period. For example, if you bought insurance on March 31, 2023, it will show up on June 1, 2023.
• New Vehicle Details: If your vehicle is new, you will need to provide the engine and chassis numbers.
• Policy Availability: Insurance details are available from April 1, 2010, onwards.
• Visit RTO If Needed: If the IIB portal does not show the necessary information, you may need to visit the Regional Transport Office (RTO).
• Required Information: When tracking on the IIB portal, you will need details like the vehicle owner's name, registration number, address, mobile number, email address, etc.
   

How To Check Car Insurance Check Through IIB Portal?

Here's a simple guide on how to check your car insurance status using the IIB portal –

Step 1: Start by visiting the official IIB website.

Step 2: Click on "V-Seva" from the quick links on the homepage.

Step 3: Next,  you will be directed to the page of Accident Vehicle Information Retrieval System.

Step 4: Fill in your vehicle details when prompted, including owner's name, address, mobile number, email, accident location, date, vehicle number,registration number, etc.

Step 5: Enter the captcha displayed on screen and click "Submit".

Step 6: You can see your policy details in the next page. If there is no current policy, you will see details of the previous one.

Step 7: If you cannot find any information, try searching by entering your vehicle's engine or chassis number.

Alternatively, you can also check insurance details on VAHAN e-services.
 

How To Check Car Insurance Status Through Parivahan Sewa?

Here's a straightforward guide on how to check your car insurance status through Parivahan Sewa –

Step 1: Start by visiting the official Parivahan Sewa website at https://parivahan.gov.in/parivahan/

Step 2: Press the 'Information Services' tab in the menu.

Step 3: Select 'Know Your Vehicle Details' from the drop-down menu.

Step 4: You will then be taken to the Vahan NR E-Services page.

Step 5: Log in using your registered cell phone number.

Step 6: After logging in, enter the verification code and your vehicle's registration number.

Step 7: Choose the 'Search Vehicle' option.

Step 8: You will see details about your vehicle, including the expiration date of your insurance coverage on the next page.
 

How Can One Check The Car Insurance Status Online On Mparivahan Mobile App?

Here's a user-friendly guide on checking your car insurance status online using the mParivahan mobile app –

Step 1: Get the mParivahan app on your smartphone.

Step 2: Sign up by making use of your mobile number and  create an account.

Step 3: Choose your language preference.

Step 4: Enter your vehicle registration number into the search box and tap search.

Step 5: You will see your vehicle details on the next page, including the validity of your car insurance.
 

How To Check Car Insurance Status Through VAHAN E-Services?

Here's a simple guide on how to check your car insurance status through VAHAN e-services –

Step 1: You can first visit the official web page of VAHAN e-Services.

Step 2: Click on the icon - 'Know Your Vehicle'.

Step 3: Input the registration number of your vehicle and the verification code as prompted.

Step 4: Tap on the 'Search Vehicle' button.

Step 5: Now, you can see the insurance expiry date along with other important details of your vehicle.
 

How To Check Car Insurance Status Through QR Code?

Another simpler way to find out about your car insurance is by using a QR code. In today's era, every car insurance policy comes with its own QR code. This is because the IRDAI has made it mandatory for insurance companies. All you have to do is scan this code with your phone's scanner, and you will be able to see all the important information about your car insurance plan.
 

How To Check Car Insurance Status Online At The RTO?

To check your car insurance status online at the RTO, follow these simple steps –

Step 1: Go to the RTO website.

Step 2: Look for the section for citizens' online services.

Step 3: Click on the tab labelled "Related Online Services."

Step 4: Choose "Vahan Citizen Services" from the options.

Step 5: Select the RTO information that matches your vehicle's registration.

Step 6: Click on the "Status" option in the menu bar, then select "Know Your Vehicle Details."

Step 7: Provide your vehicle's engine number, chassis number, and registration number.

Step 8: Correctly enter the CAPTCHA code that you see on screen.

Step 9: You will now view the details about your vehicle, including the expiration date of your car insurance policy.
 

Checking Car Insurance Status Online on SMC?

After you have bought your policy, you can easily check its status online on the SMC website. Just follow these steps –

Step 1: Go to the SMC website.

Step 2: Look for the login option in the top right corner.

Step 3: You can then login using your registered mobile number or email address.

Step 4: Once you are in, you can get all the details about your policy right there.
 

How To Check Car Insurance Status Offline?

Apart from checking car insurance online, you also have options to do it offline. When you get a new vehicle, you must register it with the RTO. The RTO keeps records of all registered vehicles, including insurance details. You can easily verify your insurance status and find out when it expires by visiting the nearest RTO. The RTO, managed by the Government of India, maintains complete vehicle records. So, when you go to the RTO, you can get all the information you need about your car insurance policy.
 

Summary

In conclusion, renewing your car insurance on time is vital to avoid potential problems like higher premiums, claim rejection, etc. To ensure you do not miss the renewal date, set reminders on your phone or email. If you are unsure about the expiry date, you can easily check your policy status on platforms like Parivahan Sewa, the mParivahan app, VAHAN portal, RTO's website, etc. With these simple steps, tracking your car insurance is now easier than ever. And if you need extra help with your car insurance, do not hesitate to reach out to your insurer.
 

FAQs