How to check your Motor Vehicle Insurance Details?

In today’s busy schedule it is quite natural for people to forget renewing their insurance policy on time. Not renewing the policy on time means you will end up with driving without a valid insurance which is punishable offence according to Indian Motor Law, 1988. It is always better to renew the insurance policy well before its expiry date to avoid legal liabilities.

Like every other product, Insurance policies come with an expiry too. Mostly the validity period of a motor insurance policy is New Year. For new cars, the owners have to mandatorily purchase Car Insurance for three years, after which you will have to renew your policy. If you are wondering how to check the validity of your insurance policy, this is the article you must read.

There are many ways through which you can check the validity of your insurance policy. We have listed some of them below,

Check Vehicle Insurance details through Policy Document
Check Vehicle Insurance details through the insurance provider
Check Vehicle Insurance details through insurance agent from whom you bought the policy
Check Vehicle Insurance details through Parivahan Sewa App
Check Vehicle Insurance details through RTO/Parivahan Sewa web portal
Check Vehicle Insurance through IIB Portal
How to Check the Validity of the insurance Offline?

1. Check Vehicle Insurance details through the Policy Document

Your insurance company would have provided you with a policy document when you purchased the insurance policy. The document contains all the details of your policy, including the policy number, coverage, premium, etc. You can refer to this document to check your policy details.

2. Check Vehicle Insurance details through the insurance provider

You can visit the website of your insurance company and log in to your account to access your policy details. Most insurance companies have a dedicated section on their website where you can view your policy details, including the coverage, premium, policy period, etc.

3. Check Vehicle Insurance details through the insurance agent from whom you bought the policy

You can also contact your insurance agent to get the details of your policy. Your agent would have access to your policy information and can provide you with the necessary details.

4. How to Check your Vehicle Insurance status using the mParivahan App?

What is Parivahan Seva?

The Ministry of Transport and Highways has launched the Parivahan Seva to maintain vehicle information for the benefit of Indian citizens. As soon as someone renews their motor insurance policy, it gets updated in the Sarathi Parivahan portal within two days

mParivahan App was launched by the Ministry of Transport. It allows you to have easy access to your vehicle documents. Follow the below steps to check your insurance status

Install the mParivahan app on your smartphones
Choose your preferred language and tap continue
It will lead you to an interface where you will get two options to check your car insurance
The first option is to check through your car registration number and the second is through your driving license number
Input one among the two and hit the search
Use your registered mobile number to sign in and continue
As you sign in, you can check the validity of your insurance policy

5. How to check your Insurance validity through the RTO/parivahan Sewa web portal?

Visit https://parivahan.gov.in/parivahan/ from your browser
Select Information services from the menu bar
In the drop-down, click on Know Your Vehicle Details tab
Vahan NR e-service page will appear
Enter your mobile number to login
Once you enter, submit your car registration number and the verification code
Click on the table and search vehicle
You can check the details of your vehicle along with the expiry date of the policy

6. How to check your Insurance validity through the IIB web portal?

What is IIB?

Insurance Information Bureau is a website to facilitate the tracking of insurance policy details of your motor vehicles. It was launched by IRDAI as a repository to hold all the insurance details. Below is the process to check the insurance status online

Visit the IIB portal
Enter the mandatory details like Name, Email, Mobile No, Address, Registration Number of vehicle (without any special characters), Engine no, Chassis no, Accident Date and place if you can remember
Enter the captcha and click on submit
The respective policy details will appear, if it doesn’t appear then the previous policy details will appear
If you are unable to view the policy with any of these methods, then a search of the engine and chassis number of the bike can fetch you the results

7. How to Check the Validity of the Insurance Offline?

If you are hesitant about checking the insurance details online, you can always get the details by calling your Insurance Company. They will ask for a few details such as policy number, your mobile number, and email ID after which they may provide the details. However, if you want to know the insurance details of a third-party car after an accident, you will have to contact the RTO for more information.