• According to the Motor Vehicles Act of 1988, every car owner in India is required to possess a valid car insurance policy. After all, it is essential to protect yourself and your family from unexpected events like accidents. However, sometimes merely having a policy isn’t sufficient. It becomes important to also know its current status. While there are numerous methods to accomplish this, here’s a straightforward guide on how you can verify it. Before we move forward, let’s examine some of the advantages associated with acquiring a comprehensive Car Insurance Policy:

• Offers financial assistance in the event of an accident.

• Covers repair expenses resulting from damages sustained in an accident.

• Your car insurance will extend coverage for damages caused by fires, earthquakes, and other natural disasters.

• Provides compensation if your vehicle is stolen.

• In addition, there are many further benefits of obtaining car insurance. Therefore, ensure to conduct your research. It is important to have your car insurance information readily available at all times. This will enable you to submit an insurance claim promptly during your time of need. The Insurance Information Bureau (IIB) runs a website that holds digitized records of all car insurance holders in India. You may access their website and provide the necessary details to verify the status of your car insurance policy.

Important Points to Verify Before Acquiring Car Insurance

• Confirming the validity of your car insurance policy is vital to protecting yourself against potential dangers on the road. Regularly checking your car insurance online is essential for maintaining not only legal compliance but also financial security and peace of mind. Some of the significant points to examine include:

1. Validity Assurance

Regularly monitoring your car insurance status online ensures that you remain aware of the policy’s validity. This helps prevent missing renewal dates, thus allowing uninterrupted coverage against accidents or damages.

2. Legal Compliance

Driving without valid insurance may result in legal repercussions according to the Motor Vehicles Act. Verifying your insurance status aids in avoiding fines, license confiscation, and legal challenges.

3. Financial Protection

By keeping informed about your insurance status, you ensure coverage against financial obligations that arise from accidents or unforeseen circumstances, shielding yourself from unexpected costs.

4. Convenience

With digital solutions provided by insurers, checking car insurance online has become simple. Utilize insurer websites, applications, or government portals for quick access to policy information and status updates.

5. Renewal Benefits

On-time renewal guarantees the continuation of benefits such as No Claim Bonus while allowing you to explore new policy options conveniently online.

Also Read: PUC Certificate: Everything You Need to Know

Steps to Verify Car Insurance Validity

Conducting an online check on your car insurance to confirm its validity is essential for staying safe on the road. To verify your vehicle insurance status, you have two choices: the IIB portal or the Vahan website.

Through the IIB portal:

• Visit the official website of the Insurance Information Bureau of India (IIB).

• Click on the ‘Vehicle Insurance’ tab and select ‘Insurance Status’.

• Input your vehicle registration number and click ‘Get Status’.
• Your insurance information, comprising expiry date and insurer’s name, will be shown.

Through Vahan website:

• Access the official Vahan website.

• Select the ‘Insurance Status’ option from the menu.

• Input your car’s registration number and click ‘Get Details’.

• Your insurance status, comprising expiry date and policy number, will be displayed.

• You can additionally download a copy of your insurance certificate.

• Both platforms provide convenient options to access and manage your vehicle insurance information, ensuring you remain informed about your coverage and policy details.

How to utilize the IIB portal to Verify Vehicle Insurance?

• The IIB portal is a digital platform where users can view information about their insurance policies, check the status of their claims, and report fraud or other insurance-related issues. The portal also offers various services such as vehicle insurance status check, policy verification, and more. It’s an essential resource for policyholders to keep informed about their insurance coverage and for insurers to manage their risk. Here is how you can verify your vehicle insurance status on the IIB portal:

• Visit the official site of the Insurance Information Bureau of India (IIB).

• Locate the tab labeled ‘Vehicle Insurance’ on the homepage and click on it.

• A drop-down menu will appear. Choose the option that states ‘Insurance Status’.

• Input the registration number of your vehicle and click on the ‘Get Status’ option.

• Your insurance status will be shown on the screen, including the expiry date and the name of the insurance company.

Also Read: Indian Motor Vehicle Act 1988: Features, Rules and Penalties

Conclusion

• Frequently checking your car insurance policy status online guarantees adherence to legal obligations and assures financial protection. With resources like the IIB portal and Vahan website, you can conveniently access your insurance information. Stay aware, renew timely, and have your insurance details available to prevent penalties and unforeseen expenses. Safe driving begins with suitable coverage!

Also Read: Validity Of A PUC Certificate Of A New Car

FAQs

1. How to verify vehicle insurance status online?

You can verify the status of your vehicle insurance policy online in three simple methods. First, visit the IIB portal. Second, access the VAHAN website. Third, you can verify directly on the official website of your insurance provider.

2. Why is verifying the vehicle insurance status important?

Verifying vehicle insurance status is vital to guarantee continuous coverage, compliance with legal standards, and avoidance of penalties. It helps maintain financial protection against accidents or damages, ensuring peace of mind for vehicle owners.

3. What details do I need to check to determine if I have vehicle insurance or not?

To validate vehicle insurance, gather policy information including the insurer’s name, policy number, and vehicle registration details. Utilize these details to access online portals or contact the insurer directly for verification.