It’s important to check your car insurance status online as you need to renew it promptly to avoid any problems later on. In India, car owners are required to have at least one third-party car insurance policy to be able to drive their car anywhere in the country. Wondering how to check car insurance online?
A comprehensive insurance policy is a better option because it covers liability and bodily injury. Additionally, insurance companies have increased their digital presence over the years to provide better services to their customers. In this article, we will see in detail how to check car insurance online.
Why is it Important to Know Your Car/Vehicle Insurance Status?
Before you think about “how to check my car insurance status”, know the reason to do it first. It is illegal to drive a vehicle without a valid motor insurance, so it is important to know the insurance status of your vehicle/motor. According to the Motor Vehicle Act, every vehicle must be covered by at least liability insurance.
In today’s digital age, checking your motor insurance status is easy, quick and convenient. Here are some reasons why checking your insurance status is important:
- Checking your motor insurance status online helps you renew your insurance on time.
- Learning how to check car insurance online saves you from future chaos and confusion.
- You can avoid fines and traffic penalties even if you do not have valid insurance for your vehicle.
- You can ensure that you remain covered against legal and financial liability arising out of an accident or damage to your vehicle.
Where to check car insurance status online?
You need to know the status of your auto insurance policy for two reasons: to check renewal dates and to track auto accident history. Before going online to check the status, keep a note of your registration number, address, mobile phone number, accident location and date of accident.
Then you can visit:
Insurance Information Bureau (IIB) Web Portal
After filling in the required details such as name, address, email address, number your mobile phone and vehicle registration number, you will be able to check details of your car insurance policy. You can also check the status of your car insurance policy by entering your vehicle’s engine number and chassis number.
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Instructions to follow when using the IIB Portal
- Enter your vehicle registration number without spaces or special characters as the first step of how to check car insurance online.
- Policy details uploaded to the IIB database take about two months to be updated on the portal.
- If you try to check car insurance online during this time, you won’t be able to find any detailed information.
- Additionally, the portal only displays information related to vehicles purchased on or after April 1, 2020.
VAHAN e-Services
- If the IIB portal does not display insurance information related to the vehicle of your car, you can access the VAHAN e-service website.
- Once on the website, click/tap on the “Know your vehicle details” button on the menu bar at the top.
- Enter your vehicle registration number, then click/tap the “Search Vehicle” button.
- You can also visit the official websites of the Regional Transport Office (RTO) or State Transport Department to check your car insurance status online to know status online.
Your insurance company’s website
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- Another option for doing an online auto insurance check is to visit your insurance company’s website.
- All insurance companies keep records of the insurance policies they sell to customers.
- Different insurance companies may require different information, but in general, they all require the vehicle registration number.
How to Check Car Insurance Online on Parivahan Sewa?
- Step 1: Visit the Parivahan website.
- Step 2: Select “Find out vehicle details” from the “Information Services” menu.
- Step 3: Create an account on the VAHAN portal using your mobile number or log in using your mobile number if you are an existing user.
- Step 4: Enter the vehicle registration number and verification code and click on the “Search Vehicle” button.
- Step 5: The vehicle details will be displayed along with your vehicle insurance details.
How to Check Car Insurance Status Online on the mParivahan Mobile App?
Follow these steps on how to check car insurance status online from the mParivahan app. Following are the steps to do so:
- Step 1: Download the mParivahan app on your smartphone.
- Step 2: Create an account using your mobile number to log in.
- Step 3: Select your preferred language.
- Step 4: Enter the vehicle registration number in the vehicle search box and click on the search button.
- Step 5: The next page will display the vehicle details along with the expiry date of your vehicle insurance.
How to Check Car Insurance Online at the RTO?
Below are the steps on how to check car insurance status online from the official RTO website:
Step 1: Visit the official website of the RTO.
Step 2: Select the vehicle-related services.
Step 3: Select the RTO and click on ‘Get Vehicle Details’.
Step 4: Enter the vehicle registration number, chassis number and engine number.
Step 5: Enter the captcha code and click on ‘Check Details’.
How to Check Car Insurance Status Offline?
If you do not wish to check the insurance status of your vehicle online, you can also request the information from the concerned RTO or insurance company. They can give you the information. To check the insurance status of your vehicle offline:
- Call the insurance company and quote your vehicle registration number/policy number to get your insurance details.
- Visit the insurance company office to get your insurance policy details.
How to Check Car Insurance Online: Conclusion
Digitalization has made it easier for vehicle owners to have information about their vehicle’s condition at their fingertips. Right from getting quotes, comparing different insurance plans, calculating insurance premiums, and buying the right auto insurance policy to checking the status, everything can be managed online.
This ensures a hassle-free experience for customers. In addition, it is increasingly easier for customers to purchase cost-effective insurance policies and renew them before their expiration date.
How to Check Car Insurance Online: Frequently Asked Questions
Here are some commonly asked questions when learning how to check car insurance online:
1. What are the different components of my vehicle registration number?
Your vehicle registration number contains important information detailed below:
- The first two letters represent the state/federal territory where your vehicle is registered.
- The following number represents the corresponding RTO where the registration was made.
- The four-digit number following the RTO code represents the unique identification number for your vehicle.
- The unique identification number ranges from 0001 to 9999.
- Letters are added before the number when multiple vehicles need to be registered.
2. How can I check my car insurance status online?
You can check the status of your auto insurance policy online in three different ways.
- The first option is to visit the IIB portal.
- The second option is to visit the VAHAN website.
- The third option is to visit the website of the insurance company from which you purchased the policy.
3. I bought a new car in January 2021. Can I find out the contract status on the IIB website?
No, that’s not possible. Indeed, only information related to policies taken out on or before April 1, 2020, will be available on the IIB portal.
4. Can I check my car insurance status offline?
Yes, it is possible. You don’t have to learn how to check car insurance online for the same. To know the offline status of your car insurance policy, you will have to visit the RTO where your car is registered and provide the registration number. You can also contact your insurance company.
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