How to Check Vehicle Insurance Status?

Continued insurance of your vehicle is a necessary requirement to keep yourself protected from financial costs arising out of road incidents where your vehicle is involved. For instance, the damages sustained by an insured vehicle in a road accident can be easily claimed under a vehicle insurance policy that it is covered under. Such a need can be further specified with the mandatory requirement of a third-party liability cover specified under road rules.

As per the Motor Vehicles Act 1961, which primarily governs motor insurance policies, third-party liability coverage is a mandatory requirement that each vehicle must carry.

These policy types hedge the vehicle owner from any expenses arising from third-party liability claims made by any third party from an incident involving the insured vehicle. These reasons thus specify the need to check the status of one’s vehicle insurance policy so that it can be regularised and perpetuated without any fail through timely renewal. Such status can also be valuable when selling or purchasing a vehicle.

Here are specified the ways in which you can check the status of your vehicle cover.

Ways to Check the Status of Your Vehicle Insurance

Checking the status of your vehicle insurance is possible both online and offline. Under the offline method, you need to call your insurer or visit the branch in person to check the status.

However, there are multiple ways in which you can check the status of your motor insurance policy online. The online method of checking is convenient, too, and can be done in a few simple clicks. Below are the ways to do so, along with the required steps you can follow,

    1. Via the website of Parivahan Sewa

Once you are on the Parivahan Sewa website, provided by the Ministry of Road Transport and Highways, you can follow the steps below to check your vehicle insurance status.

Step 1: Once on the official website, choose ‘Parivahan’ as your preferred service.

Step 2: Next, scroll on the menu and click on ‘Information Services’.

Step 3: Under the drop-down available, choose the ‘Know Your Vehicle Details’ tab.

Step 4: Log in with your registered mobile number on the new window that opens. If you have not registered yet, choose the ‘New User’ option and create an account.

Step 5: Verify your mobile number with the provided code, enter the registration number of your vehicle, and click on search.

Doing this, you will be able to see all vehicle-related details, including its insurance status as well as expiry.

    2. Through the VAHAN portal

Step 1: Start by visiting the e-services portal of the VAHAN website.

Step 2: Create a new account with your mobile number on the portal if you are a first-time user. Or log in with your registered mobile number and verification code.

Step 3: Next, enter your vehicle’s registration number and validate with a captcha.

Step 4: Proceed to opt for the ‘Search Vehicle’ tab.

Once the search is complete, the screen will display your vehicle insurance status, its expiration date, and other pertinent details.

Additionally, policyholders can visit the online portals of general insurance companies in India, where they can directly check the status of their vehicle insurance.

    3. Via the website of your respective RTO

Step 1: Go to the official website of RTO.

Step 2: Next, in the menu options, click on Citizen’s ‘Online Services’.

Step 3: From the dropdown, select ‘Related Online Services’ and pick ‘Vahan Citizen Services’ next.

Step 4: Proceed to pick the respective RTO (where your vehicle was registered).

Step 5: Under the RTO page, click on ‘Status’ from the menu and choose ‘Know Your Vehicle Details’ to proceed.

Step 6: Provide your vehicle’s registration number, as well as its engine and chassis numbers.

Step 7: Fill in the captcha correctly to verify and enter ‘Search’

On the following screen, you will be able to see your vehicle’s insurance status, its expiry date, and any other pertinent details.

Apart from these methods, various other ways to check vehicle insurance status online exist. For instance, you can check it through IIB\'s official website, the mParivahan app, or a third-party insurance aggregator. All these websites provide quick and accurate status or your vehicle’s insurance policy for easy updates.