What documents do I need to renew my car insurance policy?

Car insurance is a crucial legal document for various purposes, including financial protection, legal compliance, and peace of mind. Third-party insurance is mandatory by law. However, having a comprehensive car insurance policy that includes both third-party liability cover and own damage cover is crucial.

Car insurance policies typically come with a one-year policy term. Bundled coverage can also be availed of with third-party coverage for the long term for about three years and own damage car coverage for a year. Hence, renewing the car insurance policy from time to time to keep the valid insurance document while you ply your vehicle on the road is important.

How to renew car insurance?

Car insurance renewal can be done online easily with a few simple steps. Here is a simple process to follow:

1. Visit the official website of the car insurance company

2. Select ‘Renew Now’ under the ‘Car Insurance’ category

3. Enter the information – existing car insurance policy number and your registered mobile number.

4. Click on “proceed to renew the policy”.

5. You can also review the car insurance coverage, customise it according to your needs, and add riders or add-ons to enhance the coverage.

6. Calculate the car insurance premium for the renewed policy/coverage

7. Choose your preferred payment method online and make a payment

8. Once you complete the payment, a digital policy document is sent to your email. Save the electronic document as proof.

Online car insurance renewal is the most efficient and convenient way to ensure continued car insurance coverage and financial protection. Generally, renewing the existing policy with the same coverage would not take any additional documentation. However, if you changing the cover, or customising it, it is important to keep the below documents ready for car insurance renewal.

Documents required for car insurance renewal

The set of documents required for the renewal of a car insurance policy is for verifying your identity, vehicle details, and previous insurance history. While the exact requirements may vary from one insurer to another, the following documents are generally needed for car insurance renewal:

1. A valid driving license copy – a document that proves you are legally allowed to drive

2. PAN card or Aadhaar card as proof of identity – a document that verifies your identity

3. Car registration certificate – provides proof of vehicle ownership, and details of the vehicle such as make and model, year of manufacture, registration number, etc.

4. Vehicle fitness or Pollution under control (PUC) certificate –proof that your vehicle is environmentally friendly and meets the emission norms.

5. Existing car insurance policy documents – provide the details of existing insurance coverage, policy number, no claim bonus, and other details.

6. Other documents include:

   • No objection certificate from the previous insurance company in case you are switching from one insurance company to another.

   • Vehicle inspection report is needed in case you are renewing the car insurance policy after a few days/months of expiry of the existing insurance policy.

Conclusion

To conclude, renewing your car insurance before the existing cover expires is an important activity to ensure continued financial protection. Ensuring you have all the required documents ready will facilitate a smooth and hassle-free renewal process for your car insurance in India.