All car and two-wheeler insurance policies have definitive validity durations. Thus, it is important for the policyholder to renew the policy on time. Missing out on renewing or buying the policy might make the policyholder lose the benefits of the insurance policy, resulting in claims getting rejected. Additionally, driving/riding a vehicle without having insurance coverage can have severe legal repercussions too.
With global digitisation, policyholders can now easily check their vehicle insurance policy status online and avoid missing the policy renewal date. In addition, policyholders renewing their two-wheeler or car insurance policies on time can enjoy benefits such as a No Claim Bonus.
How to check vehicle insurance status online
Below are the steps to check vehicle insurance status online:
Step 1: Visit the official website of the insurance provider
Step 2: Enter contact information and vehicle insurance policy details
Step 3: Check the displayed insurance status
Individuals can also check their vehicle insurance policy status via government websites, such as Parivahan Sewa and their respective RTO.
The process to check vehicle insurance status online on the Parivahan Sewa website
Checking your vehicle insurance status online on the Parivahan Sewa website is one of the quickest and easiest ways to check. Follow these steps to do the same:
Step 1: Visit Parivahan Sewa’s official website
Step 2: Navigate to the menu bar and select ‘Informational Services’
Step 3: From the drop-down list, click on ‘Know Your Vehicles Details’
Step 4: Vahan NR e-services webpage opens
Step 5: Enter the registered contact number to log in
Step 6: Enter the verification code and the vehicle registration number
Step 7: Click on ‘Search Vehicle’
Step 8: Check the displayed vehicle insurance policy and details
The process to check vehicle insurance status online on the RTO website
The Motor Vehicles Act, 1988 states that all vehicles in India are registered to their respective Regional Transport Office (RTO). Thus, follow these steps to check your vehicle insurance status online on the RTO website:
Step 1: Visit the state transport office’s official website
Step 2: Search ‘Online Services for Citizens’
Step 3: Click on ‘Vehicle Related Online Services’
Step 4: Click on ‘Vahan Citizen Services’
Step 5: Enter RTO branch details where the vehicle is registered to
Step 6: Navigate to the menu bar and select ‘Status’
Step 7: Click on ‘Know Your Vehicle Details’
Step 8: Enter the vehicle registration, chassis and engine number
Step 9: Solve and enter the CAPTCHA code along with the requisite details
Step 10: Check the displayed vehicle insurance policy and details
Do set a reminder before the vehicle’s insurance policy expires. This will prevent any defaults and aid in renewing the policy timely. However, insurance providers do send reminders 30 days before the policy expiry date.
In case you miss out on renewing your insurance policy, certain insurance providers provide a policy renewal grace period too. Moreover, online provisions make buying and renewing vehicle insurance policies a breeze. Therefore, consumers do not need to panic. However, do remember that the grace period simply allows you to renew insurance without having to pay any penalty in the form of higher premiums. If your vehicle insurance renewal is delayed, no claims can be raised to the insurer during the lapsed time.