How to Check Car Insurance Policy Status Online?

May 6, 2024

You do not need to wait in long queues or hold on to lengthy phone calls to get basic information about your motor insurance. Digital services offered by the government and insurance providers make it easy for you to have a secure financial cushion in addition to obliging with the legal requirement of owning a vehicle. Here you will learn how to check your car insurance status online through different means so that you can stay compliant and avoid missing the deadline for your policy renewal.

What Is the Importance of Checking Vehicle Insurance Online?

It is necessary to stay up-to-date on the insurance status of your four-wheeler, as it is illegal to drive a car without active insurance as per the Motor Vehicle Act. By performing a car insurance status check online, you can enjoy the following benefits:

You will never miss your policy renewal deadline if you know how to check your car insurance policy status. This helps maintain your credibility and reduces the chances of your claim rejection due to delayed or missed payments.
You can avoid potential legal and financial problems that may arise by driving a vehicle without active insurance.
You can enjoy coverage for the loss of your vehicle or any other financial loss that may arise if you are involved in an accident.

How to Check Car Insurance Validity?

With most of the official processes being digitised, you can easily check your insurance details online. There are mainly two ways that you can use to check car insurance status online:

Government portals and mobile applications:
Official websites and mobile applications launched by the government of India make it easy to avail numerous services online from the comfort of your home. These include the Parivahan Sewa portal, the mParivahan app, and the IIB portal. You can use your vehicle’s registration number to retrieve your policy information.
Website and mobile application of the insurance provider:
Another alternative to check your insurance status online is to go to your insurance provider’s website to check for relevant details. Some insurance providers also provide a mobile app for their customers to access policy related information. You may require your policy number, vehicle registration number, mobile number, and other details to access your motor insurance policy information through the insurer’s website.

Process to Check Car Insurance Status Online on Parivahan Sewa?

Here is a step-by-step guide on how to check your four-wheeler insurance status online through the Parivahan Sewa portal:

Visit the Parivahan Sewa website.
Select ‘Know your Vehicle Details’ under the ‘Information Services’ tab from the navigation bar if you are using a computer or through the Menu option if you are using your mobile phone.
Enter your mobile number and verification code to login or create your account on the portal if you do not have one.
After logging in, you will be required to enter the one-time password (OTP) received on your mobile number to authenticate.
Click on ‘Vahan Search’ after entering your vehicle registration number and the verification code in the given form.

On the next page, you will be able to see your car insurance policy number, validity, and insurance provider, among other details about your car. Consider logging in after some time in case there is an error message on the page, or you are unable to login through the portal.

How to Check Car Insurance Status Online on the mParivahan Mobile App?

To check your vehicle insurance status online, you can use the mParivahan mobile app using the following steps:

Download the mParivahan mobile application developed by the National Informatics Centre on your device.
Sign in or create your account to log in.

Your vehicle insurance status can be checked online easily through virtual registration certificate (RC) document. You can view the virtual RC using the following options:

Through the ‘Alerts’ section:
- You may be able to see your insurance details for all your registered vehicles under the ‘Alerts’ section with the vehicle number and validity date. The next page shows the details of your car, including the policy number and validity.
Through the ‘My Virtual RC’ button:
- Enter your details to view your car’s policy details, among other things. Alternatively, you can view your virtual registration certificate from the options given here.
Through ‘My Documents’ option:
- Click on ‘My Documents’ on the top navigation bar on home screen.
- Select ‘View’ option from the drop-down menu by clicking on the three dots adjacent to the vehicle number for which you want to check the insurance status.
Through the search bar:
- Select ‘Insurance’ from the drop-down list and enter your vehicle number in the given space. This is an easy way to check insurance status by vehicle number on the mParivahan mobile app.
- Click on the search icon to view your insurance validity.

Please note that you may have some difficulties while accessing your insurance information through the mParivahan app in the following circumstances:

Your vehicle information is not updated in the online RTO database by the RTO office.
You have recently bought, transferred, or sold the vehicle.
The vehicle number you entered is incorrect or not registered with RTO yet.
There is a problem with the internet connection.

Steps to Check Car Insurance Status Online on VAHAN

VAHAN is the national vehicle registry of India that stores all the details related to each registered vehicle for regulators and citizens under the Motor Vehicles Act 1988.

Here are some simple steps that you can follow to check your car insurance status online through the VAHAN e-services portal:

Visit the official VAHAN portal.
Select ‘Know Your Vehicle Details’ from the menu.
Enter your mobile number and the verification code shown on the screen to log in to your account.
Enter the OTP received on your mobile number and click on ‘Vahan Search’ after putting in the required details.

The process is similar to how you check car insurance status through Parivahan Sewa portal, and you may be directed to this portal if you type in Vahan portal in the search bar on your browser.

What Is the Process to Check Car Insurance Status Online on the IIB Portal?

The Insurance Information Bureau (IIB) of India is a data repository under the Insurance Regulatory and Development Authority of India (IRDAI). For car insurance status checks online, you can also use the IIB’s portal—V-Seva—in case you are involved in a vehicular accident. Here are some guidelines that you must adhere to in order to check your car’s insurance status online through IIB:

You must be aware of the registration details of the vehicle in order to check its details.
You can check a vehicle’s insurance information a maximum of three times using the same mobile number and email ID.
It can take up to 2 months for the IIB to receive your vehicle’s insurance information from the insurer.
You cannot check the insurance information of vehicles that were insured on or before 31st March 2010.
Insurance providers only submit the vehicle chassis and engine number in the case of a new vehicle.

You can use the simple steps mentioned below to check your car’s insurance status:

Visit the IIB Vehicle Insurance Status Search portal or go to the ‘V-Seva’ tab under ‘Quick Links’ section on the IIB official website.
Fill in the required details, including name, address, email ID, mobile number, registration number of the vehicle, and accident date, and submit the information.

You can retrieve the details of your car on the next screen if it was registered in the IIB database. If this method does not work for your vehicle, consider using the Parivahan Sewa portal or VAHAN e-services.

Check the Car Insurance Status Online at the RTO

There may not be a dedicated Regional Transport Office (RTO) website for your state, but you can rely on the official Parivahan Sewa or VAHAN e-services portal or mParivahan mobile app. You can use the steps mentioned in the previous sections to check the status of your car insurance online.

To gather your insurance information through the RTO, you need to visit the RTO in your city and follow the standard process as guided by the officials there. You will be required to share your vehicle registration number, among a few other details, to obtain information about your vehicle insurance.

How to Check Car Insurance Status Online on SBI General?

If you have taken your car insurance from SBI General, you can easily check the insurance details of your car online by downloading your policy using the steps mentioned below:

Visit the SBI General website.
Go to the menu by clicking on the hamburger icon and select the ‘Download Policy’ option from the ‘Quick Links’ section.
Click on the ‘Motor Policy’ option from the list.
Enter the required details, such as your policy number and car registration number/last 5 digits of your engine number, in the given fields. Enter the correct captcha and click on ‘Next’ to proceed.
After confirming your registered email and mobile number, download the policy through the option given on this page.

To Sum it Up

Checking car insurance status online is not only a luxury that is accessible to all through the digitisation of the information but also a necessity to ensure compliance with guidelines and have a financial safety net.

If you are thinking about getting new car insurance online or changing your vehicle insurance, consider SBI General, which has a claim settlement ratio of up to 98%. Use a car insurance calculator to estimate your premium based on your car’s model and other details.

FAQs

Q. How can I check my car insurance status online?

A. You can use the mParivahan app, Parivahan Sewa portal, IIB portal (in case of accidents), and the insurance provider’s official website to check your car insurance status online.

Q. Are there any benefits to checking car insurance status online?

A. You can easily access the insurance policy details of the other vehicle in case you are involved in an unfortunate accident. This can help you make a legitimate claim for your damages without much hassle.

Q. Why can’t I access my car insurance details on the IIB portal?

A. Usually, there are two reasons that may prevent you from accessing your insurance status on the IIB portal online:

You have purchased a new car recently, and the insurer has not started the process of submitting the information to the IIB.
The information is in the process of being updated on the IIB database.

Q. Can I download my insurance policy documents?

A.Yes, you can go to your insurance provider’s official website and download the policy. You can check your insurance status online using your vehicle registration number only.

Q. Where can I find my car insurance policy number online?

A. You can use your car’s registration number and mobile number to check your insurance policy details on the mParivahan mobile app, Parivahan Sewa portal, etc. The steps to find your insurance details are explained above.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

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