.gif)
.webp)
.svg)
Key Highlights
- Driving without valid third-party insurance violates the Motor Vehicles Act, of 1988, and attracts strict fines and penalties.
- Online platforms like Parivahan Sewa and IIB make it simple to check insurance status.
- Set reminders to renew your policy before it lapses to avoid penalties.
- Always opt for comprehensive insurance to protect against third-party liabilities and own-damage costs.
In India, a third-party vehicle insurance policy is a must for all vehicles. You can buy and renew the policy timely for uninterrupted coverage. But so many people forget about their status, which in most cases results in unconscious lapses.Thanks to digitalisation, checking your status through a vehicle insurance policy is easier now than ever before. It's not just for your safety but also to follow the law.Now, checking your insurance online is easy. This guide will show you how to keep your policy up to date. This way, you avoid legal trouble and fines.
How to Check Car Insurance Status and Validity Online?
There are many ways to check your insurance online in India. Here are a few:
- Parivahan Sewa Website - This government website features your vehicle and insurance details.
- mParivahan App - This application enables you to check your insurance in your language.
- Insurance Provider's Website - Check your policy on your insurance company's website.
- Online Portals: There are a lot of online insurance aggregator portals to check your policy status.
- IIB Portal: Visit IIB's site, and click "Vehicle Insurance" to see your status.
- Insurance Policy Document: Your policy document shows when it expires.
- RTO Website: Use the "Online Services" on your state RTO site to check your insurance.
- VAHAN Portal: Search for your vehicle on VAHAN to see your insurance status.
- Customer Support: Call your insurance company's customer support for your policy's expiry date.
- Contact Insurance Agent: If you bought insurance from an agent, they can tell you when it expires.
Also Read: Different Types of Car Insurance Policies and Their Coverage
Methods to Check Your Vehicle Insurance Status Online
Here are the steps involved in checking your vehicle insurance status:
Parivahan Sewa Website
The Ministry of Road Transport and Highways (MoRTH) has launched the Parivahan Sewa portal. It makes it easier to get vehicle-related services. Here's how to check your insurance status:
- Step 1: Visit the Parivahan Sewa website.
- Step 2: Go to the “Online Services” section and pick “Know Your Vehicle Details.”
- Step 3: Type in your vehicle registration number and the code on the screen.
- Step 4: Click “Search Vehicle.”
- Step 5: You'll see your vehicle details, including insurance status and when it expires.
mParivahan App
Here's how to check your car insurance status in the mParivahan app easily:
- Step 1: Download the mParivahan app.
- Step 2: Choose your language and click “continue.”
- Step 3: Log in with your mobile number.
- Step 4: Check insurance validity by entering your vehicle number or driving license number.
- Step 5: Click “Search” to see your insurance status.
Insurance Information Bureau (IIB) Portal
The IIB was set up by the Insurance Regulatory and Development Authority of India (IRDAI). You can check your insurance records online through the following steps:
- Step 1: Visit the IIB website .
- Step 2: Go to the “V-Seva” section.
- Step 3 : Enter your vehicle registration number, mobile number, and email address.
- Step 4: Add the accident date (if any) and chassis or engine number.
- Step 5: Submit the form to see your insurance details.
VAHAN e-Services
The Vahan e-services portal falls under the Ministry of Road Transport & Highways. It is an easy way to retrieve your vehicle's insurance information through the following steps:
- Step 1: Proceed to the official website of Vahan e-services .
- Step 2: Find this option on the homepage.
- Step 3: Ensure that it is the same number printed on your RC.
- Step 4: Fill up the captcha box for safety purposes.
- Step 5: After filling up all the details, submit it.
The internet portal will show the vehicle's insurance status along with other registration details.
Insurer’s Official Website
Most insurance companies have an online platform. Policyholders can log in to check their policy status:
- Step 1: Visit your insurer’s website.
- Step 2: Log in with your registered details or policy number.
- Step 3: Go to the “Policy Details” section to see your insurance status.
Mobile Applications
Many insurers and apps let you track vehicle insurance details in the following ways:
- Step 1: Download the app from your device’s app store.
- Step 2: Register or log in with your mobile number or policy details.
- Step 3: Get instant access to your insurance policy information
Regional Transport Office (RTO) Inquiry
Online Process: RTOs maintain all the drivers and vehicles in the city. You can see the status of your vehicle insurance on the RTO website:
- Step 1: Open the official website of your RTO.
- Step 2: Click on "Citizens-Online Services."
- Step 3: Click on "Online Services Related to Vehicles."
- Step 4: Click on "VAHAN Citizen Services" through the link.
- Step 5: Choose the RTO where your vehicle is registered.
- Step 6: Click on the tab which is known as the status of the page for "Know Your Vehicle Details."
- Step 7: Enter your vehicle's engine, chassis, and registration numbers.
- Step 8: Enter the captcha code correctly. Then submit.
- Step 9: The page will display your insurance information.
Offline Process to Check Vehicle Insurance Status
You can visit your nearest RTO to ask for insurance details. Follow the steps given below:
- Step 1: Go to the RTO to get your vehicle registered.
- Step 2: Ask the RTO officer if the vehicle insurance is valid.
- Step 3: Show the car registration number to the concerned police or department.
- Step 4: They will tell you the information about the insurance of the vehicle and when they expire.
Maintain Your Vehicle Insurance Coverage With Regular Status Checks
Staying updated on the insurance status of your vehicle is not only a legal obligation but an important part of responsible vehicle ownership. The availability of user-friendly online tools, such as Parivahan Sewa and IIB has made it easier than ever to check your insurance details.Regularly monitoring your insurance status ensures compliance with the law and provides financial security against unforeseen incidents. Whether you are renewing a lapsed policy or verifying the details of a new purchase, using digital platforms will save you time and effort.
FAQS - FREQUENTLY ASKED QUESTIONS
Is it possible to check insurance status without a registration number?
No, you need the vehicle registration number to check insurance details online.
How can I verify if my insurance is valid?
You can visit the Parivahan Sewa or IIB website and enter your vehicle registration number to check the policy status and expiry date.
Can I check the insurance status of a used vehicle before purchasing it?
Yes, you can check the insurance status of a used vehicle on Parivahan Sewa or IIB.
Is third-party insurance sufficient?
While third-party insurance is compulsory, comprehensive insurance offers more protection, including damage for third parties and also for self.
What is the penalty for providing false insurance details?
Furnishing fake or invalid insurance details can lead to legal action, including fines and imprisonment.
For how many years is a normal auto insurance policy valid?
A new vehicle purchase may call for a three-cover, although a normal auto insurance policy only lasts for one year.
How often is the insurance data on the IIB portal updated?
Because the IIB updates data monthly, it may be some time before reporting the most recent purchases of an insurance policy.
Is it possible to check the information of the insurance details of a car not registered in my name?
The listed websites are accessible to any interested person who has the vehicle's registration number and can get to know the basic insurance status. However, the actual policy owner cannot view all of the specifics of the insurance policy.
Is access to the Vahan portal restricted?
No, the Vahan portal has no limitations, and anyone can use it at any time of the day or night.
What if none of the portals show the insurance status?
Address the insurer for clarification directly, or visit the nearest RTO if the status of insurance is not made available.
What happens if my auto insurance has expired?
You will not be covered for claims when your auto insurance expires, and you may have to deal with legal issues.
The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.
