Vehicle Insurance Check: How to Check Your Vehicle Insurance Status Online

If you own a vehicle, having insurance coverage is essential. Vehicle insurance protects your vehicle and provides financial protection in case of accidents, theft, or damage caused to a third party. It is crucial to ensure that your vehicle insurance is valid and up-to-date. Checking your vehicle insurance status online is a convenient way to do this.

By using the online platform provided by your insurance company or the relevant government agency, you can quickly and easily check the status of your vehicle insurance. This process allows you to verify that your insurance is active and that you are legally covered to drive your vehicle. In this article, we will guide you through the steps involved in checking your vehicle insurance status online and provide essential information on the importance of valid vehicle insurance.

What is Vehicle Insurance?

Vehicle insurance is a mode to protect owned vehicles, including cars, scooters, autos, bikes, buses, and more, against any physical damage or bodily injuries caused during accidents resulting in traffic collisions. It could also provide protection against vehicle theft and damage sustained in natural calamities, weather, keying, and many others. 

Importance of having Valid Vehicle Insurance

Having valid vehicle insurance is extremely important for several reasons, some of which are:

1. Legal Requirement: In India, it is mandatory to have vehicle insurance by law. If you are caught driving without valid insurance, you will face legal penalties such as fines, impounding of your vehicle, or even suspension of your driver’s license.
2. Financial Protection: Vehicle insurance provides financial protection against damages or losses caused to your vehicle due to accidents, natural disasters, theft, or any other covered events. With insurance, you do not have to worry about the financial burden of repairing or replacing your vehicle.
3. Liability Coverage: In case of an accident, if you are found to be at fault, your vehicle insurance will cover the damages or injuries caused to the other party. This protects you from being personally liable for any damages or injuries caused to the other party, which can be a huge financial burden.
4. Personal Accident Coverage: Many vehicle insurance policies also offer personal accident coverage, which provides financial protection in case of injuries or death caused to the driver or passengers of the insured vehicle.
5. Peace of Mind: Having valid vehicle insurance gives you peace of mind while driving, knowing that you are financially protected in case of any unforeseen events.

In summary, having valid vehicle insurance is not only a legal requirement but also provides financial protection, liability coverage, personal accident coverage, and peace of mind while driving. It is highly recommended to have valid vehicle insurance to avoid any financial or legal complications in the future.

Also Read: LIC Policy: How to Check LIC Policy Status Without Registration

Why is it Important to Check Your Vehicle Insurance Status?

It is important to check your vehicle insurance status because the insurance policy has a specified expiration date. So, it will be easy for the owner to remember the expiration date so that he/she can renew the insurance. It also helps in protecting against the damage caused to the cars. In an active insurance policy, the insurance company bears the repair costs.

Consequences of Driving Without Valid Insurance

According to Indian laws, if a person is caught driving a vehicle without authentic insurance, the driver would be charged a penalty. A fine of Rs. 2,000 will be charged to the name of the vehicle’s owner and imprisonment of up to 3 months. If the vehicle owner commits the same offence a second time, then he/she needs to pay a fine of Rs 4,000. 

Risks of being involved in an accident without Insurance

The risks of being involved in an accident without having valid motor insurance for the third-party liability policy then the driver will be charged with the following two cases:

• First, a criminal case for driving a vehicle negligently.
• Second is a case to get a claim where the driver involved in the case must pay compensatory money to the deceased’s family.

Legal Penalties for driving uninsured

The legal penalties for driving an uninsured motor vehicle vary from state to state. According to the Motor Vehicle Act, 2019, driving a motor vehicle without insurance is a serious traffic violation and can attract a hefty sum of money. The driver is supposed to pay a fine of Rs. 2000 for a first-time offence. The charge was increased earlier. The fine used to be Rs. 1000. Noted if the driver is found guilty of the same crime again, he/she is liable to pay Rs.4000 as the fine. Whereas the challan rates are different for each city. Below mentioned is the list.

• Uttarakhand: 1000-2000
• Haryana: 2000-4000
• Bihar: 2000-4000
• Assam: 2000-4000
• Delhi: 2000-4000
• Punjab: 2000-4000
• Karnataka: 1000-4000
• Uttar Pradesh: 2000-4000

How to Check Your Vehicle Insurance Status

There are several ways in which a person can check the vehicle’s insurance status easily without putting in some effort. Below mentioned are a few methods:

• • Insurance Policy Status Check Online via IIB
  • Insurance Policy Status Check Online via the Vahan website
  • Insurance Policy Status check using mParivahan App
  • Insurance Status check Using QR Code
  • Insurance Policy Status at the RTO

Also Read: LIC Policy Status Online: How to Check LIC Policy Status Online Using Website, SMS, and More

How to Check Car Insurance Policy Status Online via IIB

The effortless steps involved in checking your car’s Insurance Policy Status Online via IIB are mentioned below:

• Step 1: Visit the Insurance Information Bureau (IIB) official website.
• Step 2: Select the ‘Quick Links’ option available.
• Step 3: Further select the ‘V-Seva’ option.
• Step 4: ‘Accident Vehicle Information Retrieval System’ will be displayed on the screen.
• Step 5: Fill in the required details including your name, vehicle registration number, mobile number, email ID, address, accident date, etc.
• Step 6: Enter the correct CAPTCHA code visible on the screen.
• Step7: Click on ‘Submit’
• Step 8: Information will be available on the screens.

How to Check Car Insurance Policy Status Online via Vahan website

The effortless steps involved in checking your car’s Insurance Policy Status Online via Vahan website are mentioned below:

• Step 1: Visit the official VAHAN e-services website.
• Step 2: Next select the ‘Know Your Vehicle Details’ option available on the top menu bar.
• Step 3: Fill in the required details including your registered mobile number on the citizen login page.
• Step 4: Fill in your car’s registration number and the verification code received to proceed.
• Step 5: Information will be available on the screens.

How to Check Car Insurance Policy Status Using mParivahan App

The effortless steps involved in checking your car’s Insurance Policy Status using mParivahan App are mentioned below:

• Step 1: The user can visit the official Parivahan Sewa Website https://parivahan.gov.in/parivahan/ 
• 
• Step 2: Next, click the ‘Information Services’ tab on the menu bar.
• Step 3: Select ‘Know Your Vehicle Details’ from the drop-down menu.
• Step 4: Log in on the Vahan NR E-Services site appearing on the screen by entering your Registered Cell Phone Number. 
• Step 5: Enter the verification code and the vehicle’s registration number to complete the process further.
• Step 7: Next, select the ‘Search Vehicle’ option.
• Step 8: Information about your vehicle and the expiration date of your policy will be available on the screen.

 How to Check Car Insurance Status Using QR Code

IRDAI (INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY) has made it compulsory for every insurance policy to have a special QR code which further helps verify the issued policy’s authenticity and makes the insurance status-checking method much simpler and easier. The user is just required to scan the issued QR Code on the smartphone, and a webpage containing all the essential information about the vehicle’s insurance policy will appear on the screens.

How to Check Car Insurance Policy Status at the RTO

The effortless steps involved in checking your car’s Insurance Policy Status at the RTO are given below:

• Step 1: Visit the official RTO Website. 
• Step 2: The user must click on the ‘Online Services’ tab on the menu bar. 
• Step 3: Next, click on the ‘Related Online Service’s tab.
• 
• Step 4: Further proceed with the ‘Vahan Citizen Services’ tab. 
• Step 5: Fill in the required RTO information for your vehicle’s registration. 
• Step 6: Click the ‘Status’ option from the menu bar and select ‘Know Your Vehicle Details.’
• Step 7: Fill in the required details, including the vehicle’s Chassis number, Engine Number, and Registration Number of your vehicle. 
• Step 8: Enter the shown CAPTCHA code and press “Okay”. 
• Step 9: The car insurance policy status will be available on the screen along with the other details of the vehicle.

Different ways to check your vehicle insurance status

There are several ways to check the vehicle insurance status. Below mentioned are a few ways:

1. The user can contact the insurance company’s customer support to check the status.
2. By visiting the official website of the Insurance Information Bureau of India.
3. By visiting the Parivahan Sewa website
4. Logging on to the VAHAAN App.
5. Visiting the regional transport office RTO’s website.

Online portals provided by insurance companies

The three online portals available to check the vehicle’s Insurance status are:

• Parivahan Sewa Website
• RTO Website
• VAHAN Website

Using state motor vehicle websites

The user can visit the Parivahan Sewa and RTO websites to check the Vehicle’s insurance policy. The user must also fill in the key details to get more information about their vehicle and its insurance policy. 

Contacting your Insurance agent

The vehicle owner can also check the insurance status by contacting the insurance agent. When issuing the insurance policy, an agent is assigned who can also be contacted in the future during doubts and emergencies. The agent can quickly glimpse the vehicle’s insurance status check.

What to Do If Your Vehicle Insurance Status lapses

If your vehicle’s insurance status lapses, the owner should immediately contact the insurer and check all the available options for the renewal process. The expired policy can quickly be renewed during the grace period, which is 90 days (about 3 months).

Steps to take if you find out your insurance lapses

The steps that need to be followed if your insurance policy lapses are explained below:

1. The owner needs to contact the insurer and make a request to get a layout of the process.
2. You can get the required information available in the policy documents or online.
3. If you want to renew the policy, the user will be asked to pay the overdue premiums, interest charges, and penalty. 

Renewing your insurance policy

If the user is trying to renew his/her vehicle’s insurance policy online, then the given steps should be followed:

• Step 1: Visit the insurance company’s official website.
• Step 2: Search for the car insurance renewal section on the website.
• Step 3: The user must fill in the details, including the previous policy number, vehicle registration number, engine number, and chassis number.
• Step 4: Look for the policy details and the policy renewal premium.
• Step 5: proceed with the payment of the renewal fee.

 Dealing with any penalties or fines

It is mandatory for the driver to be driving a vehicle that has a valid insurance policy. In case the policy has expired or is not there at all, then the driver is charged a penalty and a fine. For the first offence of driving without insurance, the driver is charged a fine of Rs.2000 and imprisonment of up to 3 months.

Tips for Keeping Your Vehicle Insurance Up to Date

A few basic tips for keeping your vehicle’s insurance up to date are:

1. The vehicle owner can purchase the mandatory covers.
2. The purchaser can always opt for extensive coverage. 
3. You can also Customize the policy with add-on requirements.
4. The vehicle’s owner should renew the policy before its expiration date.
5. The user can try and save money with a No Claim Bonus.
6. The user should wisely choose the insurer.
7. You can also pick a digital insurer.
8. We can keep in mind the insurer’s services.
9. One should keep their policy handy.
10. One should always try to make informed choices.

Importance of Paying Premiums On-Time

If a person fails to pay his/her insurance policy premiums on time, the policyholder stands to lose the policy benefits, and the policy gets lapsed.

Automatic Renewal Options

If a person’s insurance policy runs out or is expired, then the chances are that the insurer might auto-renew the policy unless the purchaser does not want to renew it. The auto-renewal policy options are available and discussed when originally issuing the policy.

 Regularly reviewing your Policy

It is extremely important for a purchaser to regularly review their insurance policies so that a keen check is maintained. It helps to keep the owner updated with the upcoming expiration date so that he/she can renew the policy because it is extremely important to drive a fully insured vehicle because it saves the driver from penalties and fines. It is also a great means to protect the vehicle from unwanted charges of servicing the car against damage and protects against thefts.

It is important to drive a fully insured vehicle. As such, every vehicle owner should renew their vehicle insurance coverage. Above in the article, we have mentioned several diverse ways to check the insurance policy status online. All these methods are hassle-free and free of cost. Insurance policies are necessary for every vehicle owner.