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Every policyholder should renew expired car insurance policy on timely basis to avoid serious consequences. By driving a car with an expired car insurance policy you will not only violate the law, but also lose the insurance protection for your car in the event of an accident. Indian roads witness approximately half a million road accidents every year resulting in significant damages to vehicles. By not having a valid car insurance policy, you will have to bear heavy expenses for vehicle repair if it gets damaged due to an unforeseen event. Also, if you do not renew expired car insurance policy, you can lose renewal discounts and no claim bonus benefits. Therefore, it is wise to renew car insurance online on time to enjoy uniterrupted coverages and benefits.
We at HDFC ERGO understand the importance of timely renewal of car insurance policy. This is why we help you to take care of your insurance needs by allowing easy and hassle-free renewal of expired car insurance.
Benefits of Renewing HDFC ERGO Car Insurance
| Benefit | Description |
| Third Party Coverage | When an accident occurs involving insured person's vehicle, the expenses related to third party damages will be borne by insurer if you renew expired car insurance policy on time. This includes damages to properties or buildings and injuries leading to disability or the death of an individual (third-party). |
| Comprehensive Coverage | By renewing expired car insurance online, you continue to get coverage against natural calamities such as landslide, earthquake, flood, cyclone etc. In addition to this you also get coverage for man-made tragedies like theft, vandalism, burglary, riots etc. |
| No Claim Bonus (NCB) | When you renew expired car insurance without raising a claim during the policy period, you will be eligible for NCB benefit. It is a discount on insurance premium, you can use during policy renewal. The discount starts from a minimum of 20% for the first year and goes all the way up to 50% for the fifth consecutive no claim year. |
| Car Insurance Online | Expired car insurance renewal online can be done through HDFC ERGO website. You can simply enter few details about your vehicle, previous policy and buy the policy online within few minutes. |
| Security | By renewing expired car insurance policy, you get a sense of security. It will allow you to drive around with peace of mind and not worry about the thoughts of the financial implications of an accident. |
Features of Car Insurance with HDFC ERGO
| Feature | Description |
| Third party damage | The third party insurance coverage monetarily compensates for the injuries or death caused to third parties due to an accident
invclving the insured person’s vehicle. It also covers their property damage. |
| Own damage cover | The policy covers the vehicle's damage due to any natural calamities, man-made disasters, fire, and collision. |
| No claim bonus | You can lower your insurance premium from 20% to 50% by availing NCB benefits. You can use No Claim Bonus by not making claim during the policy period. |
| Pocket-friendly premiums | The HDFC ERGO car insurance price starts at Rs 2,094. |
| Cashless garages | HDFC ERGO has over 8000+ network garages offering free repairs and replacement services. |
| Riders | If you purchase renew expired car insurance from HDFC ERGO, you get to choose from 8+ riders. This include No Claim Bonus Protection cover, Zero depreciation, Engine and gearbox protection, etc. |
3 Reasons to Renew Your Expired Car Insurance
Its fine if you have missed to renew your car insurance timely but with these 3 reasons you will understand the importance of expired car insurance renewal.
Can You Renew an Expired Vehicle Insurance Policy Online?
Yes, you can. In an unfortunate situation, if you forget or miss renewing your car insurance policy before it expires, you can still make up the loss. Wondering how to renew expired car insurance? Well, there are mostly two types of situations that you may come up with if your car insurance expired and now you want to renew it-
What Happens if Car Insurance Expires?
What happens if the owner of the car does not renew car insurance before it expires or the grace period ends? What are the consequences? Check the bullets below to understand what circumstances you may have to face in the absence of a car insurance policy-
You can get into legal obligations
One of the basic requirements to drive a motor vehicle on the roads of India is an insurance policy (a minimum for a third-party). If your policy has expired, you are no longer legally eligible to drive on the roads. However, if you drive and get caught by the traffic police, you may have to face serious legal obligations that can include a fine as well as imprisonment. So, it is essential that you renew expired car insurance as soon as possible
You could lose your hard-earned NCB
No Claim Bonus lets you enjoy discounts and offers on the renewal of your policy. It is accumulated when you make no claim throughout a policy year. This hard-earned bonus is lost if you do not renew the policy on time even during the car insurance renewal grace period
No policy = No coverage
No policy is equal to no coverage. So, it is better that you do not take out your car if you do not have a valid car insurance policy. Otherwise, in case you meet an accident and it causes your own damage or third-party loss, all the repairing costs will be incurred by you. Since there is no policy, you will receive no compensation and aid from your insurance company
You’ll have to buy a new policy
At the end, you will have to purchase a whole new policy if your car insurance expires. This time, the process can be quite lengthy and time taking. The insurance provider may also go for an inspection. This is because the company may want to check your car before approving the policy since the policy wasn't renewed for a long period of time. So, to confirm that the car 's condition is good, they may carry out an inspection. And all of this will eventually slow down the policy purchasing process.
How to Decrease Car Insurance Premium While Renewing Expired Policy?
Motor insurance renewal after expiry must be done as soon as possible. If you do so within the grace period, you still have the chance to use your NCB and other benefits to cut back on the premium. Give below are some simple yet practical tips that can help you in reducing car insurance premiums-
Difference Between Renewing Expired Car Insurance Policy Online Vs. Offline
The process of expired car insurance renewal online and offline has some differences to note. Check the table below to understand better-
| Expired car insurance renewal online | Expired car insurance renewal offline |
| The online process has no time limit. You can do it anytime you want at your convenience. The portal is open 24*7 | To renew your policy offline, you need to visit the insurance company's office. The working days and timings are fixed |
| The online process is more transparent and fast | The offline process may not be as transparent and takes more time than online |
| In the online process, you are the sole decision maker and there is no third-party influence involved | In the offline process, the third-party employees at the office may influence your decision |
| Within a few clicks on the website of the insurance company, you can renew your car insurance policy | For renewing expired car insurance policy offline, you need to visit the branch and submit documents that may take more time and effort |
| At the time of policy renewal, you can quickly check and compare car insurance plans | Comparing various plans offline can be a bit challenging as compared to the online comparison |
How To Check Car Insurance Expiry Date Online?
You may be wondering how to check car insurance expiry date online. Well, the process is quite simple. IRDAI has introduced a portal named IIB (Insurance Information Bureau). It gives you the details of policies purchased after 1st April 2010.
• Follow the steps given below to check car insurance expiry date via IIB
Step 1
Visit the portal of IIB and click on 'quick links'
Step 2
Enter the details of the car and the owner as asked. Submit to see the details of the insurance.
• Follow the steps given below to check the car insurance expiry date via Vaahan
Step 1
Log in to Vaahan e-services. Click on 'know your vehicle details'
Step 2
Enter the details as asked like the registration number of the car
Step 3
Now, click on the 'search vehicle' option
Step 4
All the details will be on your screen including the expiry date of your car insurance policy
How to Renew Your Expired Car Insurance with HDFC ERGO
We understand the value of your time. This is why renew your expired your car insurance with HDFC ERGO as we offer a simple and hassle-free process.
All you need to do is follow these easy steps:
Visit Our Website
Select Appropriate Category
Verify Your Details
Select Expiry Details
Calculate Car Insurance Premium for Your Expired Policy
Calculating car insurance premiums is quite simple and quick. The online digital tool called, car insurance premium calculator, is all that you need. Most of the insurance providers offer a free premium calculator on their official website. Log in to the website and click on the premium calculator to be able to use it. All you need to do is submit a few details and the calculator will show you the premium that you will have to pay.
Can a Policy Be Renewed From a Different Insurance Provider?
• You can change the insurer while renewing expired car insurance policy. You must conduct basic research while selecting the new insurer. You can check their claim settlement ratio, network garages, etc. HDFC ERGO has a record of 100% claim settlement ratio.
• You can also switch a car insurance provider when the current car insurance policy is nearing expiration. Apart from this, you can also buy another policy mid-coverage in case of a bad claim experience with the current insurer.
Self-Inspection Under Expired Car Insurance Renewal Online
• When you renew expired car insurance, the insurer asks a surveyor to visit your location and check the vehicle. On the basis of their report, the insurer determines the premium rate for your new car insurance coverage. However, this process can be long and time-consuming. Hence, you can opt for a self-inspection.
• In self inspection process during car insurance renewal, you have to make a video of the vehicle using your smartphone and upload it on our app. We will evaluate the video and inform you about the new car insurance price. If you are satisfied with it, you can buy the policy in your name.
What To Do If You Fail To Renew Your Car Insurance During the Break-in Period?
Once your grace period has passed and you still haven’t renewed your car insurance, you will have to buy new car insurance for an expired policy. If your car insurance expired there are a few things you must do -
What Are The Consequences Of A Car Insurance Lapse?
If your car insurance policy has lapsed, you will have to face legal complication from RTO. You could be fined upto Rs 4000 for driving with an expired car insurance policy. Moreover, you will also have to bear out of pocket expenses for own damage of your vehicle and third party damages. Hence, it is wise to renew expired car insurance online on timely basis to get uninterrupted coverage and also avail applicable discounts.
What Is The Impact Of An Expired Policy On The No Claim Bonus?
A no claim bonus is the bonus/ reward given to the car owner in case no claims have been raised in a policy year. The no claim bonus is used to avail discounts on the upcoming policy renewal. When a car owner misses renewing the car insurance
on time, it can also affect the accumulated NCB. During the grace period, the owner can still use or secure the NCB. However, once the policy has been terminated after expiry, the accumulated NCB is also lost.
In case the car
owner wishes to switch to a new car insurance policy during the renewal period, the accumulated NCB is not affected. Since the NCB is given to the individual and not to the car or the insurance policy, it can be used to avail discounts
on new car insurance purchases as well.
Disadvantages of an Expired Car Insurance Policy
• Legal Complication – Driving with expired car insurance policy is illegal and you could be fined upto Rs 2000 for 1st offence and Rs 4000 for 2nd offence.
• Third Party Liabilities – If you accidently damage third party property/person with your vehicle and do not have a valid car insurance policy that time, you will have to bear expenses from your own pocket for the losses. In addition, you will also have to face legal consequences.
• Out of Pocket Expenses – With a lapsed car insurance policy, you will not get coverage for vehicle damage due to any unforeseen events like fire, earthquake, flood, theft, etc.
• NCB Benefits – If your do not renew expired car insurance within 90 days of its expiry, you will lose No Claim Bonus benefits and thereby will not be able to avail discount on policy renewal.
Documents Required to Renew Expired Car Insurance Policy
1. Government ID Proof such as PAN Card, Aadhar card or Passport
2. Address Proof
3. Driving License
4. Recent photograph
5. Car Registration Number
6. Car Registration Certificate
7. Pollution Check Certificate
8. Old Motor Insurance Policy Number
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Frequently Asked Questions
No, if your car insurance policy expired last year, you will not be able to avail No Claim Bonus (NCB) benefits. If you do not renew expired car insurance policy within 90 days from the expiry, your NCB will be terminated, and you will no longer benefit from the no claim bonus.
You can check the status of your car insurance policy on our website, simply by clicking on Know our Policy tab from the dropdown menu on homepage. Here, you have to just enter your policy number or registered mobile number, you will get status of your car insurance policy.
Yes, you can renew expired car insurance via online mode through our website within few minutes. You can make the payment through net banking, debit/credit card or UPI. The policy will be mailed to your registered email id or sent on your WhatsApp number.
As per the updated Motor Vehicles Act 2019, if you drive with expired car insurance policy, the penalty for the first offence is Rs. 2,000 and for a second offence is Rs. 4,000.
Driving with expired car insurance will attract traffic fines or challans from RTO. If you have failed to renew car insurance before its expiry and plan to renew it again after it has lapsed, your vehicle will be subject to re-inspection by the motor insurance company. Also, if you do not renew expired car insurance within 90 days of its expiry, you will lose NCB benefits.
Expired car insurance renewal online can be done through HDFC ERGO website. You have to simply visit our car insurance page, enter your vehicle registration number and then follow steps as shown.
If you do not renew expired car insurance within 90 days of the date of expiry, you will lose all the accumulated no claim bonus you have earned till now. Also, traffic cop can fine you upto Rs 4000 for driving with expired car insurance policy.
Yes,if you drive with expired car insurance policy, you will be penailised by RTO. The penalty for the first offence is Rs. 2,000 and for a second offence is Rs. 4,000
Expired car insurance renewal should be done every year if the validity for the policy is for one year. Like standalone own damage insurance policy expires after one year.
When we say expired policy, it means the policy has ended on a specific date and policyholder was entitled for coverage till the said period. However, when we say lapsed policy, it means the policyholder did not renew car insurance on scheduled date and he/she will no longer be covered.
If you renew lapsed car insurance policy after its expiry date, you will have to pay a higher premium. Once the policy lapses, you lose the no-claim bonus, if you do not renew within 90 days. You might lose other discounts as well. Both these factors result in higher premiums.
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