Check Car Insurance Policy Status Online

Learn How to Check Car Insurance Expiry Date Online?

India’s car insurance sector is anticipated to flourish at a CAGR of 8.0% between FY 2022 to FY 2028. It is perhaps one of the fastest growing sectors in the country.

Moreover, the Government of India has made it mandatory for vehicle owners to have an insurance plan, resulting in the growth of the overall car insurance market

The data presented above solidifies the fact that awareness among India’s general populace regarding the importance of car insurance has considerably increased.

Nonetheless, this does not dispel the reality that carelessness and mistakes in handling insurance documents are also quite common, and can lead you to lose these policy details.

Furthermore, you may also need to track down the insurance status of a car with which you were involved in an accident.

Under such circumstances, what should be your course of action for checking the status of a car’s insurance?

Take a look!

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Check Car Insurance Status Online via IIB

IIB or the Insurance Information Bureau of India is a data repository under the purview of the Insurance Regulatory and Development Authority of India, which is delegated the task of collecting and storing accurate data for India’s Insurance Sector.

IIB was introduced by IRDAI in an effort to promote policyholders’ interests and propagate efficient functioning of India’s insurance sector.

Now, under its scope of services, IIB offers V-Seva through which individuals can track accident records and check car insurance online.

Guidelines for Conducting Car Insurance Policy Check

To check your car insurance policy status through IIB, there are several guidelines that you will need to adhere to. These are as follows:

To check the status of a car insurance policy, it is mandatory to know its registration details without which you cannot hope to proceed. Furthermore, you should also enter the registration number of the car to the portal without any special characters.
You will be permitted to search for a vehicle’s insurance information for a maximum of three times. Utilising a single email id and telephone number to conduct searches for more than three times is restricted.
The time taken by IIB to receive insurance information from issuing companies can stretch up to two months. Therefore, you might not be able to find the information on a new vehicle on this portal.
You can only look up information on those vehicles that have been insured after 1^st April 2010.
At the time of policy issuance for a new vehicle, insurance companies only submit their engine and chassis number to IIB.

Furthermore, in case this process of vehicle insurance checking online fails, you might need to resort to an offline method for the same.

But more of that later!

Let us now delve directly into the process of how to check a car insurance policy status online.

How to Check Car Insurance Policy Status Online via IIB – Steps

An individual may need to follow up the status of a car’s insurance under two circumstances:

If a car-owner loses his/her vehicle’s insurance policy details.
If an individual meets with a vehicular accident and needs to track down the details of the car in question.

Now, for both cases, there are a few requisite information that an individual will need to possess in order to conduct the car insurance policy check through IIB. These are:

Name of said vehicle’s owner
Address of vehicle’s owner
Vehicle registration number
Mobile number and email ID
Place and date of the accident (if relevant)

Armed with such information, one will have to follow these steps below to check the car insurance online through IIB’s portal –

Step 1

Log on to the official website of the Insurance Information Bureau.

Step 2

On the home page, under “Quick Links” click on tab marked V-Seva and you will be taken to the page of Accident Vehicle Information Retrieval System.

Step 3

Fill in requisite details pertaining to the vehicle in question, like:

Name of the owner:
Address
Mobile number
Email id,
Vehicle registration number,
Date and place of the accident

Step 4

Click on “Submit” button.

Step 5

If there are any vehicles registered in the IIB portal that match the details you have entered, you will be able to access the insurance details of the said car.

It is as simple as that!

However, a problem might arise if the insurance details of the vehicle in question are not available in the IIB portal.

Under such circumstances, you can resort to checking the insurance details through VAHAN e-services.

What is VAHAN e-Services?

VAHAN is the national vehicle registry, wherein all vehicle registration details are collated and made available to regulators and citizens alike. As of 3rd August 2022, around 5,44,643 electric two-wheelers and 54,252 electric four wheelers are registered under VAHAN. In addition, 18,47,539 four-wheelers and 2,95,245 two-wheelers using fuel types of ethanol, LNG, solar, CNG etc. are also registered.

Furthermore, since the portal captures all information mandated under the Motor Vehicles Act 1988, you can easily retrieve a car’s insurance details through it.