Vehicle/Car Insurance Status Check Online on Parivahan Sewa, Vahan, IIB & RTO

The majority of vehicle owners build a connection with their vehicles no matter whether it is their first car or not, they are always cautious about it and to protect it from accidents and theft vehicle owners opt for insurance. Purchasing insurance for a vehicle is a hassle-free process but maintaining the policy is quite exhausting. To assist vehicle owners with this, further in this blog easy steps and procedures for checking car/vehicle insurance status online on different portals are explained thoroughly.

Validity of Car Insurance and Its Importance

Every insurance policy has a strict validation or policy period, which is typically one year. As a policyholder and a car owner, you need to get the insurance renewed before expiry for a seamless driving experience. Also, a huge number of companies offer a grace period to renew the insurance policy, giving you more time to save yourself from any kind of trouble.

Here are the top reasons why car insurance validity is an important metric that you need to take care of - 

1. Legal Safety: The first tenet of a valid insurance plan is legal safety as driving your car with an expired insurance might lead you to paying a hefty fine. 

2. Financial Safety: An invalid insurance won’t cover a single penny of your damage in case of any accidents, so to get the coverage you need to have a valid insurance plan. 

3. No Claim Bonus(NCB) Retention: When you renew your policy before the expiry date, you become eligible for No Claim Bonus or NCB earned from the previous year for not making any claim. 

4. Higher Resale Value: While selling your car, you will be able to ask for an enhanced or better price for having an operational car insurance policy. 

5. Avoid Increased Premiums: If you fail to renew your car insurance before expiry, your premiums may increase when you renew it later as insurers may consider your vehicle as a high risk vehicle. 

How to Check Car Insurance Status and Validity Online?

There are several methods available in India which you can avail to check the status and validity of your insurance online. Here are all of them for your knowledge: 

1. Parivahan Sewa Website - You can check information about your vehicle on this website; it is maintained by the Ministry of Road Transport and Highways.

2. mParivahan App - A mobile app for every Indian to know the insurance status of their car; you can get information in your favoured language here. 

3. Insurance Provider’s Website - You can get information about your insurance directly from the website of the specific insurance provider you bought it from. 

4. Through InsuranceDekho: If you have purchased car insurance through us at InsuranceDekho, you can login to our customer dashboard to check status and validity of insurance policy.

5. IIB Portal: Visit IIB’s official website, click on "Vehicle Insurance” to view your insurance status. 

6. Insurance Policy Document: Every insurance policy has its expiry date mentioned, for quick reference. 

7. RTO Website: Visit the state RTO website and check car insurance status using the “Online Services” portal. 

8. VAHAN Portal: Enter VAHAN portal and click “Search Vehicle” to know insurance status. 

9. Customer Support: Call the customer support of your insurance company to know the expiry date of your car insurance. 

10. Contact Insurance Agent: If you have purchased insurance from an agent, you can call them to find out the expiry date of your insurance.

Why is It Important to Do a Vehicle Insurance Status Check Online?

Using online software and web portals to monitor the insurance status of a car guarantees that the vehicle owner will keep the car/legal compliance with protection against financial risks. In addition, regular checking on the status of the vehicle/car insurance also keeps the owner's mind updated concerning the duration and expiration date of the vehicle insurance coverage policy, thus it also prevents the lapse period that comes with fines, liabilities, and high risk in case of an accident. One of the good things about checking for insurance status is that vehicle owners can check it anytime through online portals launched by the Government of India and other insurance bodies.

How to Check Car Insurance Status Through IIB Portal?

The Insurance Information Bureau or IIB is the repository of data and was introduced by IRDAI or the Insurance Regulatory and Development Authority of India. It was introduced with a vision to help the policyholders not only track their car insurance policy but also track their accident records. 

So, listed below are some of the steps as well as guidelines that you must adhere to when you check the car insurance policy through the IIB portal:

Guidelines to Check Car Insurance Through IIB Portal

You need to be careful while verifying the status using IIB. Making a single mistake might lead you to have to redo the whole procedure. Listed below are important guidelines that you must remember while checking car insurance through the IIB portal:

• First and foremost, be aware of the registration details, like the registration number. Also, it is important to enter the registration number in the correct format i.e. UP-65-TA-XXXX without including any special characters or spaces.
• A maximum of three attempts will be allowed, either through mobile number or email address.
• Also, remember that it takes two months for the data to reflect on the IIB portal after it has been uploaded. So, make sure that you track only after the completion of two months. For instance, if you bought car insurance for your new vehicle on March 31, 2021, the information will become visible on IIB starting from June 1, 2021.
• In case the vehicle is new, then you need to submit the engine number as well as the chassis number. 
• Please note that the available details will include the insurance policy details only from April 1, 2010, onwards.
• In case the IIB portal fails to present insurance or other crucial information, a visit to the Regional Transport Office (RTO) might be necessary.
• Last but most important, details such as vehicle owner name, vehicle registration number, vehicle wonder's address, mobile number, email address, etc. are required when you track the policy status on the IIB portal.

Steps to Check Vehicle Insurance Through IIB Portal

The Insurance Information Bureau (IIB) of India is the most efficient way of verifying insurance details. Here’s how you can check:

• Visit the IIB Portal: Tap into the official Insurance Information Bureau (IIB) website.

• Vehicle Detail: Enter details such as your car's registration number, mobile number, email ID, etc.

• Date of Accident (if applicable): After accidents, the portal allows insurance details to be checked based on the accident date, which comes in handy.

• Submit Form: Submit all the details into the form to view the details of the insurance.

Note: IIB data is usually updated once a month, so policies purchased recently may not reflect immediately and vehicle owners are obliged to be patient or seek assistance from their insurance agent or directly to their insurance company representative.

How to Check Car Insurance Status Through VAHAN e-Services?

VAHAN serves as the nationwide vehicle registry, compiling and offering vehicle registration information to both regulators and citizens. As of August 3, 2022, VAHAN has registered approximately 5,44,643 electric two-wheelers and 54,252 electric four-wheelers. Additionally, 18,47,539 four-wheelers and 2,95,245 two-wheelers using alternative fuel types such as ethanol, LNG, solar, and CNG are also registered within the system.

Due to its comprehensive collection of data mandated by the Motor Vehicles Act 1988, the portal conveniently allows you to retrieve a vehicle's insurance details as well.

Steps To Check the four wheeler insurance status through vahan e-services

Vahan e-services portal is under the Ministry of Road Transport & Highways, and it is another easy way through which a vehicle owner can access their vehicle's insurance information through the below-listed steps:

• Go to The Vahan Portal: Visit the Vahan e-services official website.

• Click On “Know your Vehicle Details”: Look for this option on the homepage.

• Enter Your Vehicle Registration Number: This should correspond to the registration number as shown on the registration certificate (RC).

• Captcha Verification: Complete the captcha in the box provided for security purposes.

• Disclose Insurance Status: After entering the details, click on submit. The portal will display the vehicle's insurance status and other relevant registration information.

How to Check Car Insurance Status Through QR Code?

Another easy way to check the car insurance policy is through the QR Code. As the IRDAI has made it a compulsion for insurers to ensure that every car insurance policy has a corresponding QR code, so, it becomes easier to check the car insurance details through this code. 

So, to grab the details, just scan the code through the code scanner available on your mobile phone. Followed by this, you will be able to view all the details pertaining to your car insurance plan. 

How to Check Car Insurance Status Through Parivahan Sewa?

Follow these simple steps to verify the status of your vehicle insurance online using Parivahan Sewa:

• Step 1: Go to the official Parivahan Sewa website at https://parivahan.gov.in/parivahan/
• Step 2: Click on the 'Information Services' tab located in the menu.
• Step 3: From the drop-down menu, select 'Know Your Vehicle Details.'
• Step 4: The Vahan NR E-Services page will open in your web browser.
• Step 5: Log in by providing your Registered Cell Phone Number.
• Step 6: Upon logging in, input the Verification Code and your Vehicle's Registration Number.
• Step 7: Proceed to choose the 'Search Vehicle' option.
• Step 8: On the resulting page, you will find details about your vehicle, including the expiration date of your insurance coverage.

How to Check Your Car Insurance Status in The mParivahan App?

Here’s how you can check car insurance status in mParivahan app without any problem: 

1. Download the mParivahan app from the Play Store. 

2. Select your preferred language and click “continue.”. 

3. Log in using your mobile number. 

4. Go to check the insurance validity by giving your vehicle number or your driving license number. 

5. Click on “Search” to view your insurance status. 

How to Check Car Insurance Status Via Offline Mode?

If you do not want to check the four-wheeler insurance status online, you can also find the information offline through the Insurance company, the concerned RTO or by visiting the nearest branch.

Here are the ways to check the insurance status offline.

• Contact Your Insurance Company: Call your car insurance company and furnish them with your car registration number or policy number. This will allow you to retrieve the insurance details over the phone.
• Visit the Insurer's Office: You can visit the office of your insurance provider in person to acquire the policy details and verify your vehicle's insurance status.
• Through RTO: Once you buy a new vehicle, it is necessary to register it with the Regional Transport Office (RTO). Since the RTO maintains records of all registered vehicles, you can easily verify your insurance details and confirm the expiration date of your insurance coverage through the RTO.

Steps of Check vehicle Insurance Check Through RTO

The RTO (Regional Transport Office) provides other means of determining or checking the insurance status for those who prefer offline methods or are unable to check online. Required steps to follow for checking vehicle insurance through RTO are:

• Visit Your Nearest RTO.

• At the RTO, where your vehicle is registered, provide vehicle details.

• Request Insurance Details.

• Request a printout of the insurance status. Proof of identity and ownership may need to be submitted.

• Complete the required paperwork at RTO.

• The insurance status is duly confirmed by the RTO officials and transparency and confirmation vehicle owners can validate it and check the details.

FAQs

5.  How long is a typical car insurance policy valid?

    

   A typical car insurance policy is valid for one year, but a new car purchase may need a three-policy.

6. Can I get my insurance status checked with just the registration number of my vehicle?
   Yes, most online portals like Vahan or IIB allow the checking of the insurance status with just the number of the vehicle's registered plate.

7. How frequently is the insurance data updated on the IIB portal?
   The IIB updates data on a monthly basis; possible delays in reflecting the latest insurance policy purchases are possible.

8. Am I allowed to check the insurance details of a vehicle, not registered in my name?
   These portals allow disclosure of basic insurance status to any interested party in possession of the registration number of the vehicle. However, full insurance policy details are restricted from view by the actual policy owner.

9. Is there a restriction on the Vahan portal access?
   No there are no restrictions on the Vahan portal and individuals can access it 24*7 as per their preferences. 

10. What if the insurance status is not reflected on any of the portals?
    If the insurance status does not appear, it is advisable to contact your insurer directly or visit the nearest RTO for clarification. 

11. What information do I need to check my car insurance status?

    You can check the car insurance status with the help of your car registration number and driving license number.

12. What happens if my car insurance expires?

    When your car insurance expires, you will not get any claim coverage and will have to face legal troubles. 

13. Can I renew my car insurance policy before it expires?

    Yes, you can renew your car insurance policy before it expires. 

Also Read: 

Best Ways to Renew the National Car Insurance