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Renewal Steps For Car Insurance

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Published on June 3, 2019. EST READ TIME: 4 MIN

Don’t ever let your car insurance expire as driving with an invalid car insurance policy is a punishable offence as per the Motor Vehicles Act, 1988. Driving with expired car insurance can not only land you in legal trouble but also make you liable to bear the cost of the damages caused to your car as well as third person or property. Thus, it is imperative that you renew your car insurance policy on time. Now with technological innovations, one can easily purchase car insurance online from insurance companies in India. Not just this, car insurance renewal online is an easy process and you can do the same from the comfort of your home. Read on to know the car insurance renewal process online.

Login to the insurance company’s website: You can renew your car insurance from any insurance company in India. You are free to choose the insurance company with whom you would like to get your car insured. When renewing car insurance, check on the claim process and additional services offered by the insurance company. If you renew your car insurance with HDFC ERGO, then you are eligible to enjoy the #JaldiClaims services by HDFC ERGO including the Self Survey Claims(#DIYClaims) and Overnight repair service(#dusktodawn). Also, you get an access to wide network of 6400+ cashless garages for cashless claim settlement.

With #JaldiClaims you can catalyze your minor claims processing by sharing photos online. And if you opt for overnight repair service, you get the convenience of vehicle pick up and delivery too. The overnight repair service is applicable only in select 16 cities.

Choose the type of insurance policy you want to buy: There are two types of car insurance policies you can choose from- third-party car insurance or comprehensive car insurance. A third party car insurance covers all the legal liabilities arising out of damages caused to third person or property. Whereas, a comprehensive car insurance policy covers you against damages caused to your car as well as a third person or property.

Select the add-ons: If you have opted for a comprehensive car insurance policy, then you can opt for add-ons such as zero depreciation, engine protection, return to invoice, emergency assistance cover and others.

Fill the details: Fill in the details such as make and model of the car, claims history, age of the car, car registration details, previous policy number and others. Once you fill the details, the premium details will be displayed along with the taxes, if any.

Make the payment: You can pay for the renewed car insurance policy online. Don’t forget to read the inclusions and exclusions of the policy along with the terms and conditions listed. Payment for the policy can be made via Debit Card, Credit Card or Net banking option.

Never miss out on the renewal date: You can renew your car insurance policy online in just a few minutes and by following a few easy steps listed on the insurance company’s website. Simply renew the insurance policy online in a hassle-free way to avoid facing any legal and financial liabilities. In case you renew your insurance policy after the expiry date, then your policy will be considered as a break-in policy and the insurance company will inspect the car before issuing you the policy. Additionally, not renewing your car insurance policy within 90 days from the insurance policy can make you lose out on the NCB as well.

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

Mukesh Kumar| Motor Insurance Expert |36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.

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