HOW TO CHECK CAR INSURANCE POLICY STATUS ONLINE

Checking your car or vehicle insurance status online is a must for every vehicle owner in India. It ensures that you stay legally compliant and renew your car insurance policy on time to avoid penalties or legal issues. Under the Motor Vehicles Act, it is mandatory to have at least a third party car insurance policy to drive legally in India. However, opting for a comprehensive car insurance policy offers greater protection, covering third-party liabilities and personal damages.

With advancements in technology, conducting a car or vehicle insurance check online has become a simple process. In this article, know in details, how you can check your car or vehicle insurance status on platforms like VAHAN, Insurance Information Bureau (IIB), and insurer websites with ease.
 

Why Should You Regularly Check Car or Vehicle Insurance Status?

Checking your car or vehicle insurance status online ensures:

1. Legal Compliance: Driving a vehicle without valid insurance is illegal and can lead to penalties.
2. Timely Renewal: Knowing your insurance status helps you renew your policy on time and maintain continuous coverage.
3. Accident History Verification: A quick insurance check allows you to keep track of past claims or accident history, which is crucial for purchasing or selling a vehicle.
4. Peace of Mind: It’s easier to deal with emergencies when you’re confident about the status of your car insurance policy.

Ways to Check Car or Vehicle Insurance Status Online

For a car or vehicle insurance check status online, visit trusted platforms like VAHAN, IIB or your insurer's websites. You can also use the Parivahan Seva and RTO portals to know your car insurance status. You need to know the status of your car insurance policy for two reasons: to verify the renewal date and to track the car accident history.

Before checking your vehicle insurance status online, ensure you have details like the car’s registration number, email, mobile number and accident related information (if applicable) handy.

 

 

 

#1 How to Check Car or Vehicle Insurance Status Online on Insurance Information Bureau (IIB) Portal?

Here you can know how to vehicle insurance status check online from Insurance Information Bureau (IIB) website with below given information.

• Once you fill in the required details such as your name, address, email address, mobile number, and car registration number, you will be able to check the details of your car insurance policy.

• It is also possible to check the status of your car insurance policy by filling in the engine and chassis numbers of your vehicle.

 

Guidelines to Check Vehicle Insurance Status on IIB Portal

• Enter your car’s registration number without any spaces or special characters.

• The policy details uploaded to the IIB database take about two months to get updated on the portal.

• If you try to do an online car insurance check within this period, you will not be able to find any details.

• The IIB portal allows only three attempts to check your insurance policy details using an email address or a mobile number.

• Besides, the portal only displays information related to vehicles purchased on or after April 1, 2020.

 

#2 How to Check Car or Vehicle Insurance Status on VAHAN e-Services?

As of 2024, a total of 367,913,104 vehicles have been digitized and registered on the VAHAN website of the Government of India. You can visit the VAHAN e-services website to check car or vehicle insurance online status with the below steps.

• Click/tap on the "Know Your Vehicle Details" button in the menu bar at the top.

• Enter your car’s registration number and then click/tap on the "Search Vehicle" button.

• The expiry date of your car’s insurance details will be displayed on the screen.

You can also visit the official websites of either the Regional Transport Office (RTO) or the State Transport Department for a car insurance status check online to know the status online.

#3 How to Check Car or Vehicle Insurance Status on Insurer's Website?

Another option for check car or vehicle insurance status online is to visit your car insurance provider's website. All insurance companies maintain a record of the insurance policies they sell to their customers. Different insurers may ask for different details, but in general, all of them ask for the registration number of the vehicle.

Read More :How to Get a Duplicate Car Insurance Copy Online

What Do You Need for a Car Insurance Check Online?

To conduct a successful car insurance check online, keep the following information ready:

• Car registration number
• Engine or chassis number (if applicable)
• Email and mobile number used during policy registration
• Details about past claims or accidents, if any

Accurate details make it easier to find your car insurance status quickly.

Benefits of Checking Your Car Insurance Status Online

Performing a regular car insurance status check online offers numerous advantages:

1. Convenience: Access your car insurance details anytime, anywhere.
2. Time-Saving: Avoid physical visits to the insurer or RTO for information.
3. Better Planning: Stay informed about renewal dates and prepare for upcoming expenses.
4. Transparency: Know the exact details of your car insurance policy, including coverage and expiry.

How to Check Car Insurance Status Offline

For those who prefer offline methods, you can still check your car insurance status by:

• Visiting the RTO office where your car is registered.
• Providing your car registration number to retrieve insurance details.
• Contacting your car insurance provider directly for policy-related information.

Conclusion

Regularly checking your car or vehicle insurance status online is a crucial responsibility for all car owners. Platforms like VAHAN, IIB, and insurer websites make it easy to access and manage your car insurance details. By staying informed about your car insurance policy, you can ensure legal compliance, renew on time, and avoid penalties.

Take advantage of online tools to perform a quick car or vehicle insurance check today. The ease and convenience of digital platforms ensure that you’re always prepared, whether it’s for policy renewal or addressing an emergency. Stay proactive and make car insurance management a seamless part of your routine!

FAQs on Car/Vehicle Insurance Policy Status Check

Q1. What are the Different Components of My Car's Registration Number?

The registration number of your car contains vital information as detailed below:

• The first two alphabets represent the state/union territory where your vehicle is registered.

• The number that follows represents the respective RTO where the registration was done.

• The four-digit number that follows the RTO code represents your car’s unique identification number. The unique ID falls in the range of 0001 to 9999. Alphabets are added before the number when more vehicles have to be registered.

 

Q2. How Can I Check My Car Insurance Status Online?

You can check the status of your vehicle 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 insurance provider's website from whom you purchased the policy.

Q3. I Bought a New Car in January 2021, Can I Find out Insurance Policy Status on IIB Portal?

No, that is not possible. This is because only information related to policies purchased on or before April 1, 2020, is available on the IIB portal.

Q4. Is it Possible to Check My Car Insurance Status Offline?

Yes, it is very much possible. To know the status of your car insurance policy offline, you will have to visit the RTO where your car was registered and provide the registration number. Alternatively, you can contact your insurance provider.

Q5. How to check Vehicle Insurance Status Online?

You can check vehicle insurance status online through platforms like VAHAN, the Insurance Information Bureau (IIB) portal, or your insurer's website by entering your vehicle's registration number and other required details.