How To Check Car Insurance Expiry Date online?
Know How To Check Car Insurance Validity In Easy Steps
The expiry date of car insurance can be checked online without facing any complexity, in some quick and easy steps. This article will help you understand how to keep yourself informed about your car insurance due dates. Here's how you can do it:
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Visit the official website of the insurance provider: Most insurance companies allow an online portal through which any inquiry about the policy details can be raised directly just by logging into it.
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Mobile application: Multiple insurers have their own dedicated mobile applications where the details of car insurance, along with expiry dates, are available and can be viewed at any time.
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Email or SMS: If the insurance holder has subscribed to e-communication facilities, then they’ll receive a reminder for the policy renewable date via their registered email or SMS.
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InsuranceDekho Dashboard: You can also choose to login to your InsuranceDekho dashboard. This dashboard will show the list of all your policies bought through us and you will be able to view their expiry/ renewal date.
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InsuranceDekho Reminders: You will also get email reminders, phone call, sms and whatsapp reminders based on what you have opted for from team InsuranceDekho. This will ensure you are aware of the renewal dates in advance.
What is The Validity of A Car Insurance Policy?
The validity of car insurance generally ranges from one to three years in comprehensive policy issues, which the policyholder chooses. A brief explanation can be viewed below:
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Comprehensive Insurance: 1 to 3 years, as chosen by the customer/ policyholder.
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Third-Party Insurance: Majorly one year, with the period likely to continue with the insurance holder.
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Long-Term Plans: A few insurance providers offer long-term policies that run for 5 continuous years, thus requiring fewer renewals.
It is very important to renew the policy in advance before its expiry date to avoid fines and to keep oneself covered in case anything sudden happens.
How to Check The Insurance Expiry of Your Car?
In case you have lost track of the date when your car insurance expires, here are a few simple ways to check it:
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Via Insurance Provider Website: Log into the online portal/website of the chosen insurance company by using the policy credentials.
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SMS or Email Alerts: The insurance holder will receive notices when the policy is about to expire.
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Check policy documents: The majority of insurance companies provide a physical copy of the insurance policy, which will mention the date of expiry.
However, the above-mentioned details are explained at the beginning of the blog, but In case you don't have these details readily available, then you can check the expiry date with the help of government services, as described below.
How Can You Check Using The Information Bureau For Insurance?
The Insurance Information Bureau of India gives access to an online tool for verifying the expiry dates of insurance. Here's how:
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Check the IIB website: Log on to the official website of the Insurance Information Bureau.
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Enter details about the vehicle: The insurance holder will have to submit the registration number of the vehicle and other information.
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Get insurance details: The portal will display the current insurance status and the date on which it would expire.
Note: Sometimes, it takes a few months for the recent policies to come up on IIB.
How Can You Check Using the VAHAN E-Service Portal?
The status of the insurance policy of a vehicle can be checked using the VAHAN e-Services Portal by following some basic steps listed below:
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Visit the website of VAHAN [1]
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Click on 'Know Your Vehicle Details'.
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Enter your vehicle's registration number: The portal will ask you to enter the registration number of your vehicle.
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View Expiry Date of Insurance: The insurance policy details will appear, and simultaneously, the expiry date of the same will flash on the screen.
This is considered one of the most authentic ways to check up on the expiry of insurance since this system is directly linked with the national vehicle registry.
Steps To Check Using QR Code
Most car insurance companies nowadays use QR codes in policy documents, which you can scan to check the expiry date instantly. Follow these steps:
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Locate the QR code; this is usually printed on the policy document or the insurance card.
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Scan using a QR code scanner: Open any QR code scanning app on your smartphone.
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When the code is scanned, the details of the policy, such as the expiry date, will appear right on your screen.
This is accurate and convenient because it does not involve manually inputting the details.
Take Away
Remember, it is very important to maintain continuity in your car insurance coverage to avoid legal penalties. It can be done through your insurance provider's website, the Insurance Information Bureau's (IIB) or VAHAN portal, or just by using a QR code scan. To renew your policy well in time before its expiry, routine checks will help you avoid complications in case of an accident or claim.
FAQs
Q: What if I forget to check the expiry date of my policy?
A: In such a case, you might miss the date of renewal of your policy and you may end up paying fines.
Q: Do I need physical papers to check my insurance policy expiry date?
A: No, As discussed in the article, there are many online options that you can opt to check your policy expiry date.
Q: What will happen if I skip renewal of my car insurance policy?
A: It is mandatory that you should own a car insurance policy. If you skip its renewal, you may be fined or penalised.
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