Ways to check your vehicle insurance status Online

Verifying if your car is still insured is simple, even if you have forgotten your insurance information or misplaced your policy documentation. Your insurance provider can track your renewal date and other relevant details, and it is simple to check your vehicle insurance status online.

Let's understand in detail.

How to check car insurance status online?

Checking the status of your car insurance is a quick and straightforward process. The Insurance Information Bureau (IIB), a repository for insurance data, has been launched by the Insurance Regulatory and Development Authority of India (IRDAI). The IIB's official website is used to track the details of auto insurance policies.

The steps to check car insurance status online are as follows:

Online:

• Visit the IIB web portal.

• Provide the necessary information, including your name, email address, or mobile phone number, address, vehicle identification number, the date of the accident, and the security "Captcha" code.

• Tap on the "Submit" button.

• If the car-related insurance policy isn't available, the details of the preceding policy will show up instead.

• If the approach fails to yield results, you may also look up the vehicle's engine and chassis number.

Here are some guidelines you need to follow to check vehicle insurance status online.

• On IIB, you can find information about auto insurance policies starting from 1 April 2010.

• Less than two-month-old insurance coverage won't appear in the IIB database as it requires time to get updated on the database.

• Insurance companies only send the vehicle's engine and chassis numbers for new vehicles.

With VAHAN e-Services, you may also check car insurance status online.

If the Insurance Information Bureau of India website (iib.gov.in) is down, try the alternate technique described below to determine when your automobile and motorcycle insurance will expire:

• Open the VAHAN e-Services official website and select "Know your car details" from the top menu.

• Insert the required information, like the chassis number, name, and vehicle registration number (number plate details).

• Code of Verification.

• Click on "Search Vehicle."

• You may check the date of the vehicle's insurance expiration online and other information about the car.

How to check car insurance status offline?

If you do not want to verify your car insurance status online, you can do so by contacting the relevant RTO. They'll be able to provide you with the details. If you have been in an accident and would like to discover the specifics of the other car's insurance coverage, you must contact the nearest RTO for the same.

Moreover, you can also call your agent or insurance provider, as they can also check the database for the status of any current car insurance.

Step-by-Step guide to check car insurance status on IIB Portal

The Insurance Information Bureau of India (IIB) keeps a central record of vehicle insurance in India. You can check your car insurance status online by following these simple steps:

●        Open your web browser and go to the official website: www.iib.gov.in.

●        On the homepage, look for “Vehicle Insurance Status” under the quick links or services section.

●        Enter your vehicle registration number exactly as it appears on your RC.

●        Fill in the basic details such as name, mobile number, and the captcha code.

●        Click the Submit button to view insurance details.

●        The system will show details like the insurance company name, policy number, and policy validity dates, if your car is insured.

If details do not appear, it may mean the policy has expired or is recently issued (updates can take a day or two). This service is free and useful for quick verification.

Conclusion

Vehicle owners now have quick access to information about the insurance of their vehicles thanks to digitization. Everything can be handled online, including getting quotes, comparing insurance plans, figuring out premiums, choosing the best auto insurance plan, and checking status, making it a hassle-free experience as a result.

FAQ

Can RTO insurance status be checked online?

RTO insurance status can be checked online through the VAHAN e-Services portal. The platform displays insurance validity linked to the vehicle registration number. It provides details such as the insurer's name and insurance expiry date without visiting the RTO office in person.

What are the ways to verify car insurance validity?

You can verify car insurance validity online through the IIB portal, VAHAN portal, or mParivahan app. Offline methods include contacting the insurer, agent, or visiting the RTO. Online platforms are quicker and provide real-time insurance information.

How can I download my insurance policy copy online?

You can download your car insurance policy copy from your insurer’s official website or mobile app. Log in using your policy number or registered mobile number, verify via OTP, and download the digital policy document instantly.

How to check insurance details via the Parivahan portal?

Visit the Parivahan or VAHAN website and select the option to check vehicle details. Enter your vehicle registration number and verification code. The portal displays insurance validity, registration details, and other related vehicle information.

How to retrieve the insurance policy number using the vehicle number?

You can retrieve your insurance policy number by entering the vehicle registration number on the IIB portal or contacting your insurer directly. Insurance companies can trace policy details using vehicle and owner information.

Is driving a new car without insurance legal?

No, driving a new car without insurance is illegal in India. As per the Motor Vehicles Act, at least third-party car insurance is mandatory before driving a vehicle on public roads. Non-compliance can result in fines and penalties.

How to find out which insurance policy is currently active on my vehicle?

To identify the active insurance policy, check your vehicle insurance status online using the IIB or VAHAN portal. These platforms display the currently active policy along with the insurer name and validity period.

How to access details of an expired or old insurance policy online?

You can view expired or previous insurance policy details on the IIB portal if the policy was issued after April 1, 2010. Alternatively, your insurer can provide historical policy details upon request.

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