Vehicle insurance is mandatory in India to ensure financial aid to the vehicle owner against third-party liabilities and personal damages. While comprehensive vehicle insurance renders extensive coverage, third-party insurance covers third-party loss and damages.
You must regularly check the validity of your vehicle’s insurance to avoid legal complications. You can opt for an online medium for effortless vehicle insurance status checks at your fingertips.
Insurance companies have progressed by digitalising their services online for the benefit of their customers. The policyholders can make premium payments, apply for policy renewal or claim requests online and enjoy a hassle-free experience.
Why Must One Check Their Vehicle Insurance Status Periodically?
Checking the vehicle insurance helps the policyholder to make timely policy renewals. The validity expiry of your vehicle insurance leaves you prone to financial insecurity as you will no longer be protected against third-party liabilities and personal damages.
The validity expiry of the insurance plan can also lead to the loss of additional benefits like a No-Claim Bonus. Apart from timely renewal, checking status helps the policyholder get details about the waiting period before making a claim request.
How to Check Your Vehicle Insurance Status?
You can check your vehicle insurance effortlessly online on the below-mentioned platforms –
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Official Website (Insurance Provider)
- Visit the official website of the insurance provider or install their mobile
- Login with your mobile number, and the portal will display policy details and current status updates
- For vehicle insurance specifically, users can enter the vehicle registration number and can log in to their policy account to check the status.
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Insurance Information Bureau (IIB)
- Visit the IIB portal
- On the homepage, click on the ‘V-Seva’ link
- You will be redirected to a form
- Enter details like name, mobile number, vehicle registration number, chassis number, etc.
- Click on ‘Submit’
- The updated vehicle insurance status will appear on the screen
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VAHAN E-Services
- Open the official website of VAHAN E-services
- Click on the ‘Know your Vehicle Details’
- Enter the vehicle registration number and click on the ‘search’ option
- The updated vehicle insurance status will appear on the screen
Things to Keep in Mind During Vehicle Insurance Status Check Via IIB
As a user, you should keep the following things in mind during the vehicle insurance status check via Insurance Information Bureau (IIB)
- IIB offers only three attempts for the vehicle insurance status check.
- The user will have to repeat the entire procedure in case of any error.
- Enter the vehicle number without any space.
- IIB reflects the insurance status after two months of policy purchase.
- For new vehicles, users must enter the chassis and the engine number in the form.
- IIB has information about vehicle insurance policies renewed or purchased before 1st April 2020
Details to Keep Handy During Vehicle Insurance Status Check
One must keep these details handy while checking their vehicle insurance status –
- Vehicle Registration Number
- Insurance Policy Number
- Registered Mobile Number
- Vehicle Chassis Number
- Vehicle Engine Number
In case of a claim request status check, details that must be required are –
- Claim Request Number
- Accident Details like date, location, etc.
- FIR copy
Conclusion
Digitalisation has made the lives of policyholders easier and hassle-free. One can get updates about the policy or claims at any point in time without any restriction. Apart from that, policyholders can renew their plans, make premium payments or customise their policy plans online quickly and effortlessly.
FAQs
- Can I check the vehicle insurance status offline?
Yes. One can check vehicle insurance status offline by contacting the insurance company or visiting the local RTO office. However it is a time-consuming process. It is always better to check the status via online methods.
- I purchased new vehicle insurance in March 2023. Can I check the status of my vehicle insurance on the Insurance Information Bureau (IIB)?
No. You cannot check the status of vehicle insurance of IIB as IIB has information about vehicle insurance policies renewed or purchased before 1st April 2020.
- How can I check the status of my vehicle insurance online?
There are three ways to check the status of vehicle insurance online –
- The website of insurance company
- Insurance Information Bureau (IIB)
- Vahan E-Services
- Can I check the status of my insurance claim request?
Yes. You can check your insurance claim request online by submitting details like Claim Request Number and Accident Details like date, location, FIR copy, etc.
- Do I have to pay any money for vehicle insurance status checks?
No. You can check vehicle insurance status updates free of cost on these online platforms.
- What happens if I don’t regularly check my vehicle insurance status?
If you don’t check your vehicle insurance status from time to time, you may miss to keep track of your insurance policy validity. If the validity of your vehicle insurance policy expires, you will be liable for fine under law and you will not be financially protected against third-party liabilities and personal damages.