Car insurance policy is not just a legal necessity in India but also responsible vehicle ownership. A regular check of the status of car insurance will ensure law compliance and protection against various untoward incidents. Verifying the status of your car insurance through online platforms is quite hassle-free these days.
This all-inclusive guide elaborates on different ways of checking your car insurance status online, along with step-by-step instructions, benefits, and important considerations.
Why Check Your Car Insurance Status Regularly?
Checking your car insurance status regularly has several reasons:
Legal Compliance: The Motor Vehicles Act of 1988 stipulates that every vehicle running on Indian roads should be insured.
Financial Security: An active insurance policy safeguards your finances against accidents, theft, and other unexpected events.
Avoiding Penalties: Driving without valid insurance results in heavy fines and legal hassles.
Online Methods to Check Car Insurance Status
There are many online tools that make it easy to check your car insurance status. Here are the most authentic methods:
1. VAHAN e-Services
The VAHAN portal is an initiative of the Ministry of Road Transport and Highways that provides a central database of vehicle registration and insurance information.
Procedure for Checking via VAHAN
Go to VAHAN e-Services Portal: Click on the official website of VAHAN e-Services.
Know Your Vehicle Details: Select the "Know Your Vehicle Details" option.
Provide Vehicle Details:
Provide your vehicle's registration number.
Enter the verification code on the screen.
Check and View Details: Click the "Search Vehicle" button to view your vehicle's insurance status and other relevant details.
2. Insurance Information Bureau (IIB) Portal
The IIB is an arm of the IRDAI that keeps track of insured vehicles.
How to Check through IIB?
Log on to IIB Website: Log on to IIB's V-Seva portal.
Fill in Mandatory Information:
Name, address, mobile number, and email ID.
Vehicle registration number and date of accident (if applicable).
3. Submit Information
Once the information is filled in, submit the form to check the insurance status.
How to Obtain via mParivahan
Install mParivahan: Install the mParivahan app from the Google Play Store or Apple App Store.
Open mParivahan: Once the app is installed, launch the app and click on "RC Status."
Vehicle Registration Number: Input the number of your vehicle's registration number.
View Insurance Details: The app will display the insurance validity along with other vehicle details.
Through Your Insurance Provider’s Website or App
Most insurance companies offer online portals or mobile apps where policyholders can access policy details.
Steps to Check via Insurer’s Platform:
Visit the Official Website or App: Navigate to your insurer’s official website or open their mobile app.
Log In: Log in to your account by using your registered credentials.
Policy Details: Click on the tab which displays your policy details including insurance status and validity.
Comparative Summary of Options
Data Accuracy: While these platforms strive for accuracy, discrepancies can occur. It’s advisable to cross-verify information, especially if your policy was recently renewed or purchased.
Privacy: Ensure that you access these services through official and secure websites or applications to protect your personal information.
Regular Checks: Make it a habit to periodically check your insurance status, particularly before long trips or when your policy renewal is approaching.
Conclusion
Regularly checking your car insurance status online is a simple yet crucial practice to ensure legal compliance and financial protection. Utilizing platforms like VAHAN e-Services, the IIB portal, mParivahan app, or your insurer’s digital services can provide quick and reliable information. Stay proactive in managing your car insurance to enjoy a worry-free driving experience.
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