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How to renew expired car insurance ?

Published on June 22, 2020. EST READ TIME: 5 MIN

Car insurance is mandatory as per the law and driving the car without a valid policy is illegal and is considered a serious offence. Not just this, without a valid car cover you are likely to fall into a financial trouble in case you cause an accident as the insurance company can deny you coverage for the damages caused. If your car insurance policy has expired and you are looking to renew it, then read below to understand how you can renew your expired car insurance policy.

Contact your insurance agent: The moment you have realized your car insurance policy has expired, get in touch with your insurance agent. The longer you wait, it would be hard for you to find an insurance company that would offer you the required coverage. Additionally, not renewing the policy within 90 days from the period of expiry would make you lose out on the no claim bonus as well.

Renew online: One of the easiest and instant ways to renew expired car insurance policy is to visit the insurance company’s online website. Online renewal of insurance can be in few easy steps by entering your policy number and basic details. You can also renew your policy from another insurance company by mentioning your old policy details on the new insurance company’s website. You can also transfer your NCB from old insurer to new insurer by obtaining the NCB certificate from the original insurer. With HDFC ERGO, you can renew your policy instantly in an easy way through the HDFC ERGO Motor Self-Inspection Application. Through the app, you can carry out the vehicle inspection process yourself by simply clicking the pictures of the car and sharing it with the insurer. This thus reduces the hassles of physical inspection of the car and also helps you save time.

Keep the below things in mind when your car insurance policy is expired

Avoid driving your car: When you know that your car insurance policy is lapsed, ensure that you avoid driving the car as driving with a lapsed policy is illegal and can land you in financial trouble in case you cause an accident with a lapsed policy.

Your vehicle will be surveyed: The insurance company will survey your vehicle before issuing you the insurance policy. This is a mandatory procedure for vehicle owners who have not renewed the car insurance policy before the expiry period.

You will lose out on the NCB: If in case you do not renew your insurance policy within 90 days from the date of policy expiry then you lose out on the no claim bonus earned. For making no claim for five consecutive years, you can gain NCB of up to 50%.

Documents to keep handy when renewing car insurance

  • Copy of expired car insurance policy

  • Registration certificate

  • Vehicle details such as its make and model, date of registration and others

  • RTO details where the vehicle is registered

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

This blog has been written by

S. Gopalakrishnan | Motor Insurance Expert | 40+years of experience in insurance industry

A veteran in insurance industry. S. Gopalakrishnan is a name to reckon with in the field of reinsurance,he has headed the Reinsurance department and has rich experience in other fields of motor insurance. He loves to share his opinion on latest topics in the insurance industry and how he can help people in safeguarding their assets using insurance products.

S. Gopalakrishnan recommends "HDFC ERGO for your vehicle insurance needs, it has always put customer’s interest at the forefront, with round the clock assistance to deal with emergency breakdown issues and hassle free claims process. You can be assured of complete and reliable guidance through the whole process".


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