HOW TO CHECK CAR INSURANCE POLICY STATUS ONLINE

Driving a vehicle on Indian roads without valid insurance is illegal. Failing to renew your motor insurance can lead to legal penalties and unnecessary financial stress.

This makes it crucial to regularly check on vehicle insurance status. It not only allows you to renew insurance on time but also ensures your vehicle stays compliant with the RTO law.

This blog post will guide you through different online and offline methods of checking vehicle insurance details. You can check your car or vehicle insurance status on platforms like VAHAN, IIB portal, Parivahan, insurer's website with ease.

 

Why Should You Regularly Check Your Car or Vehicle Insurance Status?

Checking vehicle insurance status online ensures:

Legal Compliance: Driving a vehicle without valid insurance is illegal and can lead to penalties.

Timely Renewal: Knowing your insurance status helps you renew your policy on time and maintain continuous coverage.

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.

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

 

How to Check Car Insurance Status Online on the IIB Portal?

The Insurance Information Bureau of India (IIB) portal operates "V Seva" verticals, which provide information to the general public on whether their vehicle is insured, policy expiry date.

Here are the steps involved in checking vehicle insurance status on the Insurance Information Bureau (IIB) website.

1. Visit to official website of the Insurance Information Bureau
2. Click on the V-Seva under the section "Quick Links"
3. Fill in the requisite details like vehicle registration number, name of the vehicle owner, address, and mobile number.
4. Click on the "Submit"

You will be presented with details if there is any vehicle available associated with your filled details.

 

 

But there are certain limitations with this portal; you can only look for the details of the vehicles insured after 1st April 2010.

Also, it takes about 2 months for IIB to receive and update the insured vehicle information on the portal. Therefore, you might not get information about the newly insured vehicles. 

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

 

How to Check Vehicle Insurance Policy Status on the Parivahan Website.

You can check vehicle insurance policy status online through the Parivahan website. Here are the steps involved in the Vahan insurance check.

Step 1: Visit the Parivahan website at https://parivahan.gov.in/parivahan/

Step 2: Select “Informational Services” and click on “Know Your Vehicle Details” from the drop down.

Step 3: Enter your login details to log in or create an account using your mobile number.

Step 4: Once you logged in, enter your vehicle registration number and complete the captcha and click on “Vahan Search”.

 

Step 5: Once you click, you will be provided with insurance details like Insurance Company, Validity, Policy No. 

 

 

Another option to check online vehicle insurance status 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.

 

How to Check Insurance Policy Status via mParivahan App?

To check vehicle insurance status on mParivahan App follow below steps,

Step 1: Download and install mParivahan app to your mobile phone or tablet.

Step 2: Create an account using your phone number to log in

Step 3: Choose your preferred language

Step 4: Enter your vehicle registration number on the vehicle search and click on the “Search Button”

Step 5: You will be presented with your vehicle and insurance details along with its status. 

 

How to Check Car Insurance Status Offline?

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

• You can visit the regional RTO office for a car insurance status check, where, by providing your car registration number, you can retrieve insurance details.

• You can contact your car insurance customer care or agent directly and ask for insurance policy-related information by providing some necessary information like your name, policy number.

• The RTO office holds vehicle details, including insurance status. Here are the steps you can follow to check the insurance status of your vehicle.

 

Benefits of Checking Your Car Insurance Status Online

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

• Convenience: Access your car insurance details anytime, anywhere.

• Time-Saving: Avoid physical visits to the insurer or RTO for information.

• Better Planning: Stay informed about renewal dates and prepare for upcoming expenses.

• Transparency: Know the exact details of your car insurance policy, including coverage and expiry.

 

What Do You Need for a Car Insurance Check Online?

To check online vehicle insurance, keep the following information ready:

• Car registration number

• Engine or chassis number (if applicable)

• Registered Mobile Number 

• Policy Number

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

 

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

Q 1. What is the Typical Validity Period for Vehicle Insurance?

Typical standard validity of vehicle insurance in India is one year; however, according to the mandate, new vehicles must have at least third-party insurance for three years. 

Q 2. What is the Prerequisite Information Needed to Check Vehicle Insurance Status?

Generally, you can check insurance status using details like vehicle registration number, engine number, and chassis number. Additionally, having a policy number and associated mobile number can make insurance status checks hassle-free.

Q 3. Can I Check My Car Insurance Status Using Registration Number?

Yes, using the vehicle registration number, you can status of your vehicle insurance online through mParivahan website, mParivahan App, the Insurer’s website, and the IIB online portal. 

Q 4. Is it Possible to Check the Vehicle Insurance Status Through SMS?

Yes, if your insurance provider offers SMS based services, it is possible to check your insurance status by sending an SMS through your registered mobile number.

Q 5. Can I Check My Insurance Validity Without Policy Number?

Yes, it is possible to know vehicle insurance status without knowing the policy number. several online platforms allow to fetch insurance status with vehicle registration number.

Q 6. Is it Safe to Check Insurance Status on Third-Party Websites? 

Yes, many third-party websites like mParivahan and the IIB portal let you safely check your car's insurance status. However, if you use any other third-party website or app, make sure to verify that it is genuine and authorized before sharing your details.

Q 7. 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.

Q 8. I Bought a New Car in January 2021. Can I Find out the Insurance Policy Status on the 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.

Q 9. 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.

Q 10. 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.