Blog Information

• Posted By : Aman Sharma
• Posted On : Aug 22, 2023
• Views : 53
• Category : Cars
• Description : Both purchasing and maintaining insurance policies are essential. Learn how to do this online with other necessary information by reading further.
• Location : India

Overview

• There are a few more ways to quickly verify or follow the status of your vehicle policy online. It is especially significant if you can't recall your vehicle insurance information or find your policy documentation. Since the invention of the Internet, you can now quickly check the details of your auto insurance via online channels. These could be websites or mobile applications. However, an in-depth tutorial on how to check the status of your automobile insurance online is provided here.
  
  

  Methods for Verifying Vehicle/ Car Insurance status online

  Undoubtedly, technology-driven innovations have increased after-sales services' efficiency and smoothness. The Internet has widened the insurance market penetration. With the simplicity of the Internet and digitization, a person can quickly check their automobile insurance information online. They can stay updated on the expiry or renewal dates with just one click.

  There are two circumstances in which you might want to verify your auto insurance online:

  • If you do not recall your policy details and have had an unfortunate event.
  • You might also wish to check your plan online if you've lost your insurance coverage document.

  Online platforms that are the quickest and most convenient way to check the specifics of the car/bike policy are

  • website or mobile application of the insurer
  • Insurance Information Bureau
  • Parivahan Sewa 
  • Regional Transport Office (RTO)
  • VAHAN from the Ministry of Road Transport & Highways 
  
  

  Check Your Car Insurance Details through IIB Website 

  You may quickly check Vehicle insurance details online using the Insurance Information Bureau's (IIB) web page. The Insurance Regulatory and Development Authority of India (IRDAI) has started a service for maintaining important information about various insurance plans. The Insurance Information Bureau (IIB) makes tracking insurance plans online easier and gathers data on automobiles with Indian registrations.

  To check the status of your motorcycle or auto insurance online, follow these steps:

  • Visit IIB's official website.
  • Provide all necessary information, including your name, phone number, email address, and vehicle registration number.
  • The details of your vehicle's insurance details will be displayed after you submit the necessary information. 
  • If you can't find the insurance information with a license number, try searching by the engine or chassis number of the car.
  • Type in the insured vehicle's registration number.
  • You can go to the relevant Regional Transport Office (RTO) for further information on the owner, address, etc. if the vehicle's specifics aren't available.
  
  

  Check Your Car's Insurance Status Via Parivahan Sewa

  The Ministry of Road Transport and Highways is in charge of maintaining Parivahan Sewa, a government website. This site compiles information on all the insured automobiles in the nation. Using the Parivahan Sewa portal, follow the instructions below to verify the status of your auto or motorcycle insurance.

  • Access Parivahan Sewa's official website.
  • Select the "Informational Services Tab" from the menu.
  • Navigate to the "Know your vehicle" menu.
  • Go to the Vahan NR electronic services page - the individual will be forwarded to this page.
  • click "search vehicle" after entering the registered mobile device number and the confirmation code.
  • It will reveal the car's information and the insurance's expiration date.
  
  

  Check Your Car's Insurance Information By Using VAHAN

  Use the VAHAN website, run by the National Transport Project's e-governance program, as a second option for online check car insurance information. The incredibly extensive VAHAN system carries out in-depth information about your vehicle, including information about your insurance coverage. To check the status of your motorcycle or auto insurance online, follow these steps:

  • Go to the Vahan e-services portal.
  • Access "know your vehicle details" by clicking here.
  • Create a new account and log in by providing your mobile number.
  • Once logged in, click "search vehicle" and enter your vehicle's registration number.
  • The information about your car, including your auto insurance, will then show up.
  
  

  How Long Is the Term of a Car Insurance Policy? 

  Insurance plans have an expiration date like other products, and most auto insurance policies are good for a year. To continue receiving coverage, the policyholder must renew the policy before its expiration date.

  According to the Motor Vehicle Act of 1988, the owner must get an insurance policy for at least three years if an automobile is brand new. Before the policy's 3-year term ending, the owner must renew it. Following completion, you can buy the respective policy, which must be renewed annually.

  The best way to avoid legal snafus is to extend the policy whenever it terminates by checking the RC status.
  
  
  

  Why is the Timely Renewal of Your Auto Insurance Policy Important?

  To continue receiving the coverage provided by your auto insurance policy, it is crucial to renew your coverage before it expires. The following are the potential repercussions in the event of a lapse brought on by non-renewal:

  • The insurer is not liable to pay you anything: The insurance company is not responsible for covering any damages to your car after the policy's expiration date. Each loss requires a financial outlay on your part.
  • Possessing an auto insurance plan is required in India. Therefore, you aren't given the option to choose regarding insurance. It could land you in legal trouble. Consequently, if you don't renew your auto insurance, you're breaking the Motor Vehicles Act and risk running into trouble with the law. You may be sentenced to jail time or pay a fine if you are found driving without auto insurance.
  • Possible high premium to be paid: You could earn a reputation for being careless if you don't renew your coverage on time. If this occurs, you can be hit with a high renewal premium from your insurance provider.
  • The No Claim Bonus (NCB), given to vehicle insurance policyholders as a discount on premium renewal, could be lost. If the owner renews the insurance policy ninety days from expiration, this offer is only valid for claim-free periods and can help them save over 50%.
  
  

  How Do You Check Your Car Insurance Information by Mparivahan App?

  The mParivahan app is another way to access information about your auto insurance. You can get quick access to your car documentation thanks to this software, which the Ministry of Transport released.

  Using the mParivahan app, follow these steps to verify insurance information:

  • Installing the mParivahan application on your mobile device is the first thing you should do.
  • After selecting the 'Continue' option, you can choose the language of your choice.
  • There are two choices to check the current state of your auto insurance on the dashboard you will now be on.
  • The first method involves using your vehicle's registration number, while the second involves using your driver's license number.
  • The Search button can be used to input one of these two.
  • To sign in and proceed, use your registered cellphone number.
  • You can check whether your Car insurance policy is still in effect when you sign in.
  
  

  Conclusion

  So, by using the procedure mentioned above, you can quickly verify your coverage status on the official web pages of the Parivahan Sewa website, Vahan Portal, or your local RTO. You can also visit Okibima for the same. It is the best option if you are unsure about the specifics of your car or bike's insurance policy or are unsure about them in general.