How to Check Car Insurance Status Online in India?

With today’s digital era, staying one step ahead of your car’s insurance status has never been simpler. Whether you’ve just purchased a new vehicle or have been driving for many years, keeping your motor insurance current is key to legal requirements and financial stability. And here’s the best part: now you can check your car insurance status online in India in minutes—no paperwork and standing in line required.

In this article, we walk you through a car insurance status check, explain why you need to check, and explain what to do if your policy lapses. You will also know how to keep your policy running without lapsing or being penalised.

Why It’s Important to Check Your Car Insurance Status

Car insurance is not merely a cover, but also compulsory in India. Driving an uninsured car violates the Motor Vehicles Act, 1988.

Here’s why you should always verify your insurance coverage:

• Save Penalties: Driving an unarmed car can result in hefty penalties or legal proceedings.
• Financial Protection: If the policy has lapsed, you will not be covered against accidents, theft, or third-party liability.
• Peace of Mind: Timely checks ensure hassle-free coverage, particularly during claim-making.
• Renewal Reminders: Status check keeps you posted with renewal dates so you don’t miss it.

How to Check Car Insurance Status Online

Here are five easy steps to answer how to check car insurance status online in India.

1. Through the VAHAN Portal

The VAHAN portal, operated by the Ministry of Road Transport and Highways, is a shared platform for validating vehicle-related data.

Steps:

• Go to https://vahan.parivahan.gov.in
• Click on “Know Your Vehicle Details”
• Enter your vehicle RC number
• Enter the captcha and click

Insurance validity can be viewed under “Insurance Up to.” The expiry date will be indicated if your motor insurance policy runs out.

2. Through the Insurance Provider’s Website

All the major insurers have online websites where the policyholder can log in and view the policy’s status.

Steps:

• Visit the website of the insurer.
• Visit the “Policy Status” or “Customer Login”
• Enter your registered mobile number or policy number
• Check your insurance validity and renewal date

This also proves helpful when you want to purchase car insurance online or check add-on covers.

3. Use of the IIB (Insurance Information Bureau) Website

The Insurance Bureau Information (IIB) is a government website that maintains copies of all insurance companies’ policy details.

Steps:

• Go to https://iib.gov.in
• Click on “Quick Links” > “V-Seva”
• Enter your vehicle details (RC number, mobile number, email ID, etc.)
• Submit to get the insurance details via email

Note: Vehicles insured after April 2010 are in the IIB database only.

4. Accessing Through Mobile Apps or Customer Portals

Likewise, companies like Universal Sompo, ICICI Lombard, HDFC ERGO, and Bajaj Allianz offer mobile apps or customer portals for policy management.

Steps:

• Download the app of your insurer from the Play Store/App Store
• Log in using OTP or policy number
• Go to “My Policies” or “Active Policies”
• Check the status and renewal date

Apps have additional features like reminders, claim tracking, and car insurance.

5. Using Your Vehicle Registration Number (RC)

All aggregators and portals enable you to verify your insurance status by simply entering the vehicle RC number.

Steps:

• Go to a reliable aggregator website (say, Policybazaar, Coverfox)
• Enter the number of vehicles.
• See active policy details, insurer’s name, and renewal date

This proves helpful when you have misplaced policy documents or forgotten with whom your vehicle is insured.

What to Do If Your Policy Has Expired

Riding on a lapsed policy is unsafe and illegal. Below are the steps to get back on track immediately if your policy has lapsed.

Steps to Renew a Lapsed Policy

• Go to your insurer’s website or aggregator site.
• Select the renewal option.
• Provide policy or registration number.
• Provide personal and car details.
• Pay and get a policy renewed instantly (in some instances)

If the expiration is recent, renewal may be easy. Where there are older expirations, more must be done.

Consequences of Re-inspection and Break-in Policy

• Vehicle Inspection: Physical inspection by insurers can be required for overdue policies that are long past due.
• Break-in Period: The Period between policy expiry and renewal. No claims within this time are tolerable.
• No Claim Bonus (NCB): Renewal within 90 days of expiry, and you can keep your NCB advantages.

Pro Tip: Don’t wait. Renewal before the renewal date to avoid hassle.

Tips to Keep Your Policy Active

• Reminders: Get calendar reminders or reminder notifications from insurer apps.
• Select Long-Term Policies: Opt for 3-year third-party policies for less hassle.
• Activate Auto-Renewal: Auto-renewal on specific websites for ease.
• Keep Your Contact Details Up-to-Date: Register your phone number and email address for reminders.
• Check Status Now and Then: Verify your motor vehicle insurance policy information quarterly.

Last Words

Knowing your car insurance status puts you on the right side of the law and protects you from economic loss in the event of an accident. Thanks to online platforms like VAHAN, IIB, and insurance apps, your policy status is within click distance.

Whether renewing your auto insurance, transferring it, or buying it online, buy the best motor insurance appropriate for you. Do not wait until you are in a car accident or receive a notice of a fine—insure yourself today and be protected.