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Myths and Facts About Break-In Period In Car Insurance

Published On Sep 06, 2021

Let’s bust some myths about the break-in period in car insurance with facts.

Every car insurance policy comes with validity and you need to renew it before its expiry date. If you forget to renew it before its due date, the policy will become inactive. However, insurance companies provide a specified period known as the break-in period give you another chance to revive the status of car insurance your policy before getting it expired permanently. Let’s dig into the details of this break-in period. 

Myths and Facts About Break-In Period In Car Insurance

What Is A Break-in Period In Car Insurance?

The break-in period in car insurance refers to a period between the date of expiry and the date of renewal of the policy. For instance, if your car insurance plan gets expired on 30th June and is renewed on 15th July, then the gap of 15 days between the expiry date and the renewal date is known as rame is known as the break-in period. 

Myths About Car Insurance Break-in Period

Here are a few myths about the break-in period in car insurance with some real facts:

Myth 1: Policyholders are not allowed to renew their car insurance plans during the break-in period and they may have to buy a new policy.  

Fact: You can renew the car insurance policy during the break-in period and continue with the same plan. The renewal of policy within the break-in period keeps your No Claim Bonus (NCB) intact. 

Myth 2: The car insurance policyholders can make claim requests during the break-in period.

Fact: The car insurance policy stays inactive during the break-in period and policyholders are not allowed to raise any claims during this duration. However, you get around 90 days from the expiry date to renew your policy but you will not be eligible to raise claims.

Also Read - Reasons Why You Should Renew Your Car Insurance Policy On Time

Myth 3: You are not allowed to avail of the NCB discount on the renewal premium for not making any claim in the previous policy term.

Fact: You can get the advantage of the NCB benefit on the renewal premium if you manage to renew the policy within the 90-days of the break-in period.

Myth 4: Voluntary deductibles are applicable with a compulsory deductible only.

Fact: People think that on renewing the plan during the break-in period, they will have to go with the voluntary deductible. But, only the compulsory deductible is applicable and not the voluntary deductible while you renew the car insurance policy.


The break-in period is a crucial part of a car insurance plan since it gives another chance for a policy to stay valid. Basically, it is the duration between the expiry date and the renewal date of a policy. It not only keeps the policy alive but also saves you from losing benefits like NCB etc. In this article, we have tried to bust some myths about the break-in period among people. Go through the facts and avail this period to the fullest.

You may also like to read - Why Buying The Lowest-Priced Car Insurance May Be A Bad Choice?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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