How To Check Vehicle Insurance? Methods to check Vehicle Insurance Status Online

Checking vehicle insurance is an essential process to get information about the renewal dates, verifying policy status, and checking insurer details. A vehicle insurance covers the losses from road accidents and third-party damage. This makes it important for each vehicle owner whether you have a personal or commercial vehicle to have active vehicle insurance. There are multiple ways to check vehicle insurance, both online and offline. In this blog, you will learn about the various online and offline methods of checking vehicle insurance.

How to Check Vehicle Insurance?

These are the methods you can follow for insurance checks online.

From Parivahan

• Visit the Parivahan Website.

• Click on “Informational Services”.
• Click on “Know Your Vehicles Details”, under the drop-down list.

• Login or create an account.
• Enter the registered mobile number and password.
• Enter the OTP and Click on Verify.

• Enter the Vehicle Number and code.
• Click on Vahan Search.

• Get insurance details to check.

Through mParivahan Mobile App

• Install the mParivahan Mobile App into your system.
• Login with a mobile number or create an account.
• Enter the vehicle registration number in the search box.
• Get vehicle insurance details.

Through Surepass Vehicle Insurance Verification API

Surepass Vehicle Insurance Verification API is the best for businesses to get accurate details for verification. Using it is quite easy, just follow the below steps:

• Enter the Vehicle registration number in the API.
• Get comprehensive details including insurance provider, insurance validity, insurance policy, etc.

Check Vehicle Insurance Through the State RTO Website

• Visit the RTO Website
• Click on online services.
• Now click on vehicle-related services.
• Click on information services.
• Click on Know Vehicle Details under the drop-down menu.
• Login or create an account.
• Enter the required information.
• Get insurance details for verification.

Insurance check online by Insurance Provider’s Website

You can check your car insurance from the insurance provider’s website. The methods of checking vehicle insurance will depend on the website interface. Usually, it is present in the customer dashboard section. You can get assistance from the customer support team or contact to agent.

How to Check Car Insurance Status Offline?

You can contact your insurance provider’s contact number. Give your vehicle registration number and other information when asked by the insurer provider. You should ask about the policy details, expiry date, and coverage details. You can also visit the RTO office to get help.

Why Vehicle Insurance Status Check Online is Important?

A vehicle Insurance check is essential for these reasons:

• Legal Compliance: Having vehicle insurance is mandatory in India. If you are driving an uninsured vehicle, you can face legal penalties and fines. That’s why regularly checking insurance status is important to avoid such issues.

• Help in Timely Renewal: Think if your insurance expires without your knowledge. Then you will lose coverage benefits, protection against theft, accidents, and third-party liabilities. Verifying your policy details ensures timely renewal.

• Smooth Claim Process: Unfortunately, if somehow you got involved in an accident. Up-to-date insurance details can speed up the claim process.

• Prevent Financial Losses: Without having active insurance, you may have to bear the entire cost of repairs or medical expenses in case of an accident. Here is an active vehicle insurance policy that helps you avoid unexpected financial burdens.

• Helps in Identifying Errors: Any error in insurance policy or fraudulent policies can cause issues during the claims. Regular verification helps you detect discrepancies and correct them in time.

Common Mistakes to Avoid While Checking Vehicle Insurance

Missing or Forgetting Insurance on Time

Sometimes people forget or miss the renewal deadline for vehicle insurance. This led to the expiry of the vehicle insurance. In this case, any accidental damage to the vehicle will not be covered.

Tip: You can avoid this by setting reminders or opt for auto-renewal options.

Not Checking Policy Terms Before Buying

Many buyers buy policies without thoroughly reviewing the policy details. But in some cases during the time of claim, they get to know coverage is not available for own damage, natural disasters, zero depreciation, mechanical failures, etc.

Tip: Always read the policy document and other documents whenever you buy anything. It will help in the detection of the hidden terms.

Conclusion

According to government regulations, all new cars in India must have third-party insurance. Third-party coverage is required whether the cars are for light or heavy vehicles or personal or business usage. Purchasing insurance coverage for a vehicle and renewing it when it expires are requirements; failure to do so carries penalties. You can check vehicle insurance from government portals like Parivahan, mParivahan, RTO, or advanced solutions like APIs. You can also check the vehicle insurance offline by visiting the RTO office or calling your insurer provider. 

Regularly checking your vehicle insurance helps prevent financial loss due to vehicle damage, the claim process, and updating information in case of errors.

FAQs

How can I check the Vehicle Insurance status?

You can check vehicle insurance from Parivahan and mParivahan App.

How to check 2-wheeler vehicle insurance?

Visit the Paravian website > click on informational services > click on know your vehicle details > enter the asked credentials > get details to check.

How to check vehicle insurance details in Kerala?

You can check vehicle insurance details in Kerala from the Parivahan portal.

What information is required to check vehicle insurance online?

You need the vehicle registration number and policy number.

how to check the vehicle insurance expiry date?

You can check the vehicle insurance expiry date through insurer websites, government portals, etc.