Where To Check Car Insurance?
Where To Check Car Insurance?
Whether you drive perfectly or only occasionally in a few months, your car needs to be insured by a four-wheeler insurance coverage always.
An auto insurance coverage does, however, have validity, so it is crucial to know this so that you may renew it on schedule. Know how to view auto insurance status online using Parivahan, VAHAN, IIB, and other platforms across several media.
Validity Of A Car Insurance Policy
Every auto insurance policy has a date of validity or expiration. The majority of four-wheeler insurance policies have a one-year validity period. Therefore, in order to continue receiving coverage benefits, you must renew your policy before it expires.
Purchase a bundled auto insurance policy that includes one year of damage coverage and three years of third-party coverage if you recently bought a new vehicle.
While the third-party insurance can be renewed toward the end of the third year, the own damage policy must be renewed within a year. Following this, you can purchase a one-year auto insurance coverage and renew it every year. This time, you can also spend money on comprehensive auto insurance.
How To Check Car Insurance Status Offline?
Apart from these web solutions, you could visit the relevant RTO to check your car insurance status. There you will have to supply the registration number of your automobile and all the details on your car insurance policy.
How To Check Car Insurance Validity?
- We’ve listed a few useful methods for checking your auto insurance status online below so you can renew your coverage before it expires and stay out of trouble financially and legally.
- Various Methods for Online Auto Insurance Status Checks.
- Examine the policy document for your auto insurance.
- Get the policy expiration date by calling the insurer’s customer service line.
- If you bought the coverage through your insurance agent, get in touch with them and inquire about the expiration date.
- Check the insurance status of your vehicle online by visiting the Insurance Information Bureau (IIB) of India’s Parivahan Sewa website.
- Check the status of your auto insurance online with the VAHAN app.
- To find out the status of your coverage, go to the website of your Regional Transport Office (RTO).
- Additionally, you can check your auto insurance online from the Policybazaar.com account dashboard.
Importance Of Vehicle Insurance Status Check Online
Online vehicle insurance checks are as important as getting complete auto insurance coverage. While purchasing a complete insurance plan is advisable, under national motor rules you must insure your car with a third-party insurance policy.
After you have a car insurance policy, it is advised to monitor it by looking at its renewal date and other general information. This is crucial since failing to get any information about your car updated in your insurance or missing your policy renewal could result in claim denial. Keeping an online auto insurance check helps you avoid missing your policy renewals.
Why Should You Renew Your Car Insurance Policy On Time?
Maintaining the continuous coverage of your car depends on renewing your car insurance policy before its expiration. Should the due date fail to reflect a renewal of the policy, your automobile insurance will lapse. Having an expired vehicle insurance coverage results in the following:
Should your automobile insurance coverage expire, your motor insurer loses legal liability to cover any damage or losses resulting from your vehicle. Once the coverage expires, your insurer will not cover your own vehicle damages or third-party liabilities. Financial trouble will follow from having to pay for repairs on your car or reimburse the third parties on your own.
In India, one does not have a choice about car insurance. As long as their car is in operation, every owner has to insure it with at least third-party coverage. Should your insurance expire and you fail to renew coverage, you will be breaking national traffic laws.
Should you be discovered driving your uninsured car on public highways, you can face a challan for Rs 2,000 and/or three months of jail. Regular car insurance renewal is therefore essential to keep oneself protected from these costly charges.
Should your automobile insurance coverage have lapsed, the insurer could view you as a negligent individual and impose a higher renewal premium. Apart from that, should a policy expire, your car will have to be inspected during policy renewal. The examination could draw attention to the insurer’s rising liability for your vehicle. They could thus charge you a higher auto insurance price at renewal.
Every year the car owner receives a renewal premium, which No Claim Bonus (NCB) is saving on for every claim-free year. The NCB can assist you to save up to 50% of your renewal premium. You will lose your NCB, nevertheless, if you fail to renew your auto policy within ninety days of your expiry date.
Benefits Of Renewing Car Insurance Policy
Claim Approvals: Anytime car accidents happen results in claims for car insurance. Renewal of your coverage on time will enable you to claim from the insurer. As things may be, a policy in effect must pay for both personal damage insurance and third-party as well. Your claims will be denied and the insurer is not liable to pay if you do not renew the insurance, nevertheless.
Retain The No-Claim Bonus: Should you not make any claims in a policy year, a no-claim bonus award offers a discount of up to 50% on insurance premiums. By paying smaller rates, it lets you save. Reversing the insurance within 90 days of its expiration will help you to keep the no-claim bonus you have collected.
Higher Renewal Premiums: Changing the insurance on schedule also helps you avoid paying a more premium. Should your insurance expire, the insurer could assess a late renewal rate increase. Apart from that, the insurer could also check a car for renewal of the lapsed coverage. Should the examination expose more liability for the insurance, they could charge a more premium.
Adherence To Motor Vehicle Laws: Motor insurance is a legal need under the Motor Vehicles Act. Ignoring to check the validity of your car insurance and it expires will be against the Motor Vehicles rules. Should you be discovered driving with expired insurance, fines and up to three months in jail will be imposed. You have to update the policy on schedule if you want to protect yourself from all these problems.
Financial Security: Frequent renewal of your vehicle insurance provides financial stability. Should your car be in an accident, you can file a claim with the insurance provider. The insurance provisions define the insurer’s liability for the damage expenses. You can therefore savor financial stability.
On the other hand, should you fail to timely renew the policy, the insurer has no liability to pay any premiums and you will be responsible for all charges from your own pocket.
Conclusion
Every vehicle owner must act responsibly and check the car insurance expiry date. On expiration, the insurance must be immediately renewed so you can continue to adhere to the rules and receive coverage.
You can choose to renew your insurance for a four-wheeler, either online or offline, at your convenience. The process of insurance renewal varies from insurer to insurer. Therefore, you must choose a reliable provider such as TATA AIG which offers a simple renewal process.
By visiting our website, you can renew your policy in a few simple steps. We also offer affordable car insurance prices so your finances remain stable. Our insurance plans provide broad coverage, multiple add-on options, affordable premiums starting at ₹2094, and much more. We have 6900+ cashless garages where you can get your car repaired by professionals.
FAQ
Driving a car without a valid four-wheeler insurance policy is a traffic rule violation and can attract heavy fines. Thus, buy at least a third-party car insurance policy for your new car.
If you are a Policybazaar customer, you can check which insurance policy you have from your account dashboard on Policybazaar.com. You can also check the type of insurance coverage from the insurer’s official website or the Parivahan portal.
To check the claim status of your motor insurance policy, you can visit the insurer’s official website and select the ‘Track claim status’ option. You can also visit Policybazaar.com and log in to your account dashboard to get the details of your car insurance claim.
