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What Happens if Your Car Insurance Policy Lapses?

Published On Mar 27, 2021

A car insurance lapse happens when you could not renew your insurance plan on time. Here are a few things which you should keep in mind if your policy has lapsed.

When it comes to car insurance, you should never let it get expired in the very first place. In a bid to keep it active, you should renew your car insurance plan before its expiry date. If you fail to renew your car insurance plan on time, it will expire due to which you may have to face a lot of risk and penalties. If your car insurance policy lapses, then it will have to go through the inspection for the policy renewal and you will not be liable to get any coverage if anything happens to your car before renewal. 

What Happens if Your Car Insurance Policy Lapses?

Things to Do When Your Car Insurance Policy Expires

To save yourself from financial liability as well as legal trouble once your car insurance policy expires, you should keep a few points in mind after the expiration of your policy, which are as given below:

Contact your Insurance Agent

If you have missed your car insurance policy renewal date, in such a situation, you can get in touch with your insurance agent to discuss your further actions. An insurance agent holds a better knowledge of insurance, hence, he or she will be in a better position to provide you assistance with such cases. Your agent can help you reinstate your policy as well as can save you from facing any penalty.

Avoid Driving your Car

To drive your car could put it to another risk as you can not ensure its safety once it is on the road. No matter whose fault it would be, it can cause minor to major damages to your car which would not be covered by your policy, if your policy lapses and all the damage expenses will have to be borne by you. Therefore, it is advised not to drive your car unless you renew your plan or buy a new one. 

Buy a New Insurance Policy

If your insurance company has cancelled your car insurance policy on the account of non-payment of a policy premium, in such a case, you will have to renew your expired car insurance plan. It is recommended to avail the option of online car insurance policy renewal which can get your plan renewed in a few minutes if your insurance provider offers an online renewal facility. Many insurance companies are providing car insurance at affordable prices online. You just have to pick one of them based on your budget and requirement and then have to pay for it. The online car insurance purchase process is safe, fast and economical. 


Try to renew your car insurance policy on time every time. But, if failed to do so, then keep the above-mentioned points in mind to safeguard yourself from additional troubles.

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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