How Long Does a Car Insurance Policy Remains Valid?

 

Like any other product, insurance plans have a period of validity, and the same goes for car insurance policies. Typically, most car insurance policies are valid for a duration of one year. However, the policyholder is responsible for renewing the policy before the validity period expires to continue enjoying the benefits of the coverage.

If you own a new car, you must purchase an insurance plan for a period of 3 years as per the Motor Vehicle Act, 1988. After the completion of the 3-year term, you need to renew the policy to continue enjoying the benefits of the coverage. After that, you can purchase the next policy for a one-year period, which you must renew annually.

It’s crucial to renew your policy before it expires to avoid any legal hassles. You can check the RC status and take necessary action to renew your policy to avoid any inconvenience.

Why is it important to timely renew your car insurance plan?

It is crucial to renew your car insurance policy before its expiration to continue enjoying the coverage provided by the policy. Failing to renew the policy can result in various consequences, such as:

No compensation from the insurer: If your policy date expires, the insurance agency will not be liable to pay for any damages caused to your car. You will have to bear the expenses from your own pocket.
Legal hassle: Since having car insurance is mandatory in India, you cannot skip renewing it. If you do not renew your car policy, you will be violating the Motor Vehicles Act and can get into legal trouble.

You might have to pay a penalty or even face imprisonment.
High premium: If you fail to renew your policy on time, your insurance company might label you as a careless person, and as a result, charge you a higher premium on renewal.
Loss of No Claim Bonus (NCB): NCB is a discount offered to car insurance policyholders as savings on premium renewal. It is available for claim-free years and can help policyholders save up to 50% if they renew the policy within 90 days of the expiry date. However, if you fail to renew the policy on time, you may lose this benefit.

How to check vehicle insurance status?

To check the insurance status of a vehicle, you can follow these steps:

Find the vehicle’s registration number or license plate number.

Visit the website of the Motor Insurance Database (MID) of your country. In the UK, you can visit askMID.com.

Enter the registration number of the vehicle and submit the form.

The website will display the insurance status of the vehicle. It will show whether the vehicle is insured or not, the name of the insurance company, and the start and end dates of the insurance policy.

If you don’t have access to the internet, you can call the customer service number of the insurance company or the Motor Insurance Database to check the status of the vehicle’s insurance.

How to check vehicle insurance status online Parivahan – Step-by-step process to check car insurance status online on Parivahan Sewa?

Sure, here is the step-by-step process to check car insurance status online on Parivahan Sewa:

Go to the official website of Parivahan Sewa, which is https://parivahan.gov.in/parivahan/

Click on the “Online Services” tab and select “Know Your Vehicle Details” from the dropdown menu.

Enter your vehicle’s registration number in the given field and click on the “Verify Vehicle Details” button.

Once your vehicle details are verified, you will be redirected to a new page.

Scroll down to the bottom of the page, and you will see the “Insurance Details” section.

If your vehicle is insured, you will see the insurance company name, policy number, and policy expiry date.

If your vehicle is not insured, you will see a message stating “Insurance Details Not Found.”

That’s it! By following these simple steps, you can easily check the insurance status of your vehicle online on Parivahan Sewa.

How to check car insurance details using mParivahan App?

To check car insurance details using the mParivahan app, you can follow the steps below:

Download and install the mParivahan app from the Google Play Store or Apple App Store.

Open the app and tap on the “RC” icon on the home screen.

Enter the vehicle registration number in the space provided and tap on the “Search” button.

Once the vehicle details are displayed, scroll down to the “Insurance Details” section.

Here, you can find information such as the policy number, insurer’s name, policy start date, and expiry date.

Note: The mParivahan app provides insurance details only if they are updated in the government’s VAHAN database. If the insurance details are not updated or are incorrect, you may need to contact your insurer or the Regional Transport Office (RTO) for further assistance.

How to check car insurance policy status on VAHAN

To check the car insurance policy status on VAHAN, you can follow these steps:

Visit the VAHAN website at https://vahan.parivahan.gov.in/.
Click on the “Know Your Vehicle Details” option under the “Online Services” tab on the homepage.
Enter your vehicle registration number and click on “Search Vehicle.”
You will see the details of your vehicle, including the insurance details.
If your vehicle is insured, you will see the name of the insurance company, policy number, and the validity of the policy.
If your vehicle is not insured, you will see a message stating that the insurance details are not available. In this case, you should get in touch with an insurance provider to purchase or renew your car insurance policy.

How to check the status of your car insurance at the RTO?

To check the status of your car insurance at the RTO (Regional Transport Office), you can follow these steps:

Visit the official website of the RTO in your state or region.
Look for the “Online Services” or “Vehicle Registration” section on the website.
Click on the “Know Your Vehicle Details” or “Check RC Status” option.
Enter your vehicle’s registration number and other details as required.
After submitting the details, you will be able to see your vehicle’s registration details, including the insurance status.
If you’re unable to find this information on the RTO website or if you have any doubts regarding your car insurance status, you can contact your insurance provider or agent directly for clarification. They should be able to provide you with the necessary information and help you with any queries you may have.