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A Complete Guide to Check Car Insurance Validity Online

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As a vehicle owner, you must stay informed about your car insurance status. Your car insurance policy is meant to cover any damage that may happen to your vehicle. Not having valid insurance and going on a drive can eventually lead to severe legal complications. You must know your policy insurance details so that you can avoid lapses. After all, once the insurance policy lapses, you will have to pay a fine and no coverage for damages.

The good news is that nowadays, you don’t have to struggle with paperwork to know your vehicle insurance status. Instead, you can just log in to the online portal and check the insurance status digitally. The best part about the online status check is that you will get the information within a few minutes. If you want to learn how to know the car insurance expiry date, go through the step-by-step guide below for all the information.

Using the IIB Portal

You can check car insurance validity online using the Insurance Information Bureau (IIB) portal. All the details of the vehicles registered from April 1, 2010. The platform is reliable and will provide you with all the information that you need. Whether you need to file a claim or just want to learn about your vehicle’s insurance validity, this platform can be of great help.

You must follow the steps given below for the vehicle insurance validity check.

• Step 1: Make sure to arrange all the details required on the platform, such as location and date of accident, name and address of the car owner, registered email ID and phone number, and vehicle registration number.

• Step 2: Visit the official website of IIB and log in to the web portal. Enter all the requested details in the specific fields.

• Step 3: The details of your vehicle insurance must be provided on your device. In case the insurance details are not visible, you can try again by entering your vehicle chassis number or engine number.

While searching for your vehicle insurance validity on the platform, you must adhere to the search guidelines. Below are the search guidelines to follow to find the vehicle insurance validity online using the IIB portal:

• Enter your vehicle registration number, which is mandatory, without using any special characters.

• Once you have submitted your vehicle details to the Data Repository, it may take around two months before the data is registered on the IIB portal. So, if you try to search for the details immediately after purchasing the vehicle, chances are that the information will not be shown.

• If you have a new vehicle, make sure to submit the engine number and vehicle chassis number.

• The registered users (email address or phone number) are allowed to conduct a maximum of three searches.

• If the data is not visible on the platform, you must reach out to the Regional Transport Officer. You will have to provide details like the address, and name of the vehicle owner.

Using the mParivahan App/Website

You can also check the RTO vehicle insurance status online using the mParivahan mobile app or website. The mParivahan app is developed by the National Informatics Centre. Below are the steps you must follow to check the status using the mParivahan app:

• Step 1: Download the mParivahan app on your phone.

• Step 2: Using your mobile number, you can create an account and log in to the platform.

• Step 3: On the new page, choose your preferred language.

• Step 4: In the vehicle search box, enter the vehicle registration number.

All the details about your vehicle registration will be available on the next screen.

The virtual registration certificate (RC) can also help to check car insurance validity online. However, for that, you will have to review the virtual RC from various sections such as:

My Documents:
The virtual RC will be available on the My Documents section of your home screen. You can click on the three dots next to the vehicle number section to view the insurance status.

Alerts:
The RC will be made visible through the Alerts section by entering the vehicle number. On the next page, you can opt for a policy number and vehicle insurance expiry check.

My Virtual RC:
The My Virtual RC section is available on the mParivahan app. You can click on it to view the RC.

You may not be able to check RTO vehicle insurance status through the mParivahan app under the following situations:

• The vehicle insurance information has not yet been updated in the RTO online database.

• Network issues.

• You have entered incorrect information or a vehicle number.

• The vehicle has recently been sold, bought, or transferred ownership.

Information Required

A Vehicle insurance validity check is extremely crucial to ensure that you are legally compliant with the laws. These also play an important role in offering adequate protection on the road. You can check the status using the mParivahan app and the IIB portal. However, you must have all the important information required to check the insurance status.

You will have to enter these details into the portal to check the status. Usually, you need to provide the vehicle registration number to check the validity status. If you are a registered user on any of the platforms, you can also check the validity using your name, registered email address or phone number.

You can go through our blog on 4 Simple Steps to Check Car Insurance Policy Status Online to understand the detailed process on how to check the status easily.

Understanding the Results

Every car insurance policy is available for a fixed validity. Usually, the car insurance has a validity of one year. You can check how to know the car insurance expiry date to understand the results better. If the data about your vehicle registration is found, all the necessary details, along with your policy document, will be displayed on the official website itself. If not, the details won’t be visible.

The results of your car insurance validity check not being available on the platform don’t mean that your insurance isn’t registered. In fact, under some circumstances, like the purchase and sale of a new vehicle or the transfer of ownership of a vehicle, the results won’t be available. Under such scenarios, you should not panic. Immediately checking the details may not yield any results. Wait for a few months, probably around 2 months, to get the exact details.

What if No Record is Found?

When you conduct the vehicle insurance expiry check online, there is are chance that you will get the No Record Found error. While it is common to freak out in such scenarios, you must not. The online vehicle insurance registration facility has not reached all States and RTOs. Furthermore, there is are high chances that not all insurance data has been migrated online. If you did not find any record online, it is advisable to reach out to your local RTO for further assistance.

Conclusion

Being aware of your insurance validity is extremely important today to adhere to the law and ensure that there are no discrepancies. You must know that checking your insurance validity isn’t a luxury but a major requirement today. With the ease of availability of information on online platforms, it becomes faster and more convenient to check the insurance details. If the information isn’t available, you can connect with your local RTO officer and ask for assistance. Also, you shouldn’t instantly check after the registration. The information may take up to 2 months to be available on the platform.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

Related Blogs:

• How to Use the Here App to View PUC Details and Car Insurance Validity?

• How to Get A PUC Certificate for Your Vehicle?

• How to Get a PUC Certificate for your Vehicle in Bangalore

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