All vehicle owners should be aware of how to check car insurance validity online. Driving without valid insurance in India is illegal and a lot of people receive tickets for not renewing their policy on time.
With the advent of digital services, you can check car insurance validity online by simply entering your vehicle number to verify the status of your auto insurance policy online within 5 minutes or less. Verifying your own policy or checking the insurance status of a used vehicle is simple with an online policy verification system.
Also, learn how to find insurance policy number by vehicle number. We have made an informative guide on this topic as well.
How to Check Car Insurance Validity Online and Why It Is Important
Checking car insurance validity check online at regular intervals gives you the benefit of stopping potential traffic violation fines as well as allows uninterrupted protection from any gaps in coverage.
Legal Importance of Car Insurance in India
According to the Motor Vehicle Act, 1988, each and every vehicle operating within India must carry third-party automobile insurance. In the event that your automobile insurance expires, you risk incurring substantial monetary penalties or possible criminal charges from law enforcement authorities as a result.
Thus, as an automobile owner within India, it is very important to understand how to verify the status of your automobile insurance policy online.
Different Ways to Check Car Insurance Validity Online in India
The VAHAN database provides an official way to online car insurance validity check using only the vehicle registration number.
Checking Insurance Status Through the VAHAN Database
The VAHAN system is operated by the government and allows users to access information about their vehicles,check car insurance validity online including information about the insurance status and names of the insurers, and the validity period of the insurance policy.
Therefore, using the VAHAN database is the most popular online method for car insurance validity check online in India.
Using Insurance Company Websites for Policy Verification
Most insurance providers allow their insured to verify their policy using the internet.
To check car insurance validity online enter the following information:
- Vehicle Number
- Policy Number
- Registered Mobile Number Once you have this information,
You can check your policy's validity through the internet.
Online Car Insurance Validity Check via Mobile Applications
Mobile applications will allow users to check on their insurance policy status every day online and know when they need to renew their insurance policy.
With a mobile application you can see:
- The validity of your insurance policy for any reason
- Download copies of the actual documents
- Set reminders to renew your insurance policy when they are due.
Mobile apps are ideal for frequent online car insurance validity check.
Checking Insurance Details Through the IIB Portal
The Insurance Information Bureau (IIB) is the organization that operates a national database of insurance policies.
If you cannot find out who you are insured with, you check car insurance validity online in India via the IIB portal using the details of your vehicle.
Information Displayed During Car Insurance Validity Check Online
Detail Shown | Description |
| Insurance Status | Active or expired |
| Policy Expiry Date | Insurance end date |
| Insurance Provider | Company name |
| Policy Type | Registration details |
| Vehicle Number | Registration details |
When Should You Perform an Online Car Insurance Validity Check?
You should regularly check car insurance validity online in the following situations:
- Before taking any long distance trips
- After renewing your insurance policy
- When purchasing a used car
- During a traffic check/inspection
- Performing a routine inspection of your vehicle allows you to prevent an unwanted
Last minute event from occurring.
Common Problems While Checking Car Insurance Validity Online
Incorrect Policy Number:
Even a small typo could lead to an inaccuracy in the results provided.
Renewal Policy Information Is Not Updated:
Some policies recently renewed may be updated on government portals after a delay.
Expired Insurance Policies:
Renew your expired insurance policy as soon as possible to prevent any penalties.
Penalty for Driving Without Valid Car Insurance
If you fail to do a car insurance validity check online and drive with an expired policy, penalties may include:
- ₹2,000 fine for first offense
- ₹4,000 fine for repeat offense
- Possible legal action
This makes online car insurance validity check extremely important.
Online Validating a Car Insurance Policy is Very Important for the Following Reasons.
You could be penalized if you fail to do an online policy validity check and then drive with an expired policy by receiving :
- 2,000 Rupee fine for first time offense; 4,000 Rupee fine for repeat offense; as well as possible legal action.
Smart Tips to Keep Your Insurance Active
- Schedule reminders for renewal through calendars.
- Set up SMS & Email alerts for renewal.
- Save an electronic copy of your policy.
- Do an online check of your car insurance to ensure it is in effect at least once each month.
Final Thoughts
Learning how to check car insurance validity online is active electronically should not be optional having access to a variety of different digital platforms makes doing so quick (in about 2 minutes if you ever have to do it) and saves you from costly fines and legal problems.
It's a good idea to make check car insurance validity online for your month-to-month insurance verification a regular routine so you can drive with sufficient insurance on your vehicle and without worrying that you may incur any parking fines or be subject to getting a ticket.
Frequently Asked Questions (FAQs)
1. How can I check car insurance validity online in India?
You can use the VAHAN portal, insurer websites, mobile apps, or the IIB portal to check insurance status online.
2. Can I check car insurance validity online using only my vehicle number?
Yes, your vehicle registration number is enough for an online car insurance validity check.
3. Is it safe to check car insurance validity online?
Yes, government and insurer platforms provide secure and accurate information.
4. How often should I do a car insurance validity check online?
Checking once every month or before long trips is recommended.
5. What if my car insurance validity has expired?
Renew your policy immediately online to restore coverage and avoid legal penalties.
