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Car Insurance Renewal

Every car insurance policy comes with a validity which could be 1 year, 3 years, etc. To continue to avail of the services of car insurance, policyholders have to renew their policies within the due time, otherwise, their plan can get lapsed that can make them lose all their accumulated benefits and policy coverage.

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What is Car Insurance Renewal?

Every car insurance policy is valid only for a fixed tenure which maybe 1 year, 3 years or 5 years after which it needs to be renewed. Policy renewal is essential to continue enjoying the benefits of the policy cover for your car.

You can get your policy renewed by any car insurance provider - be it the one from which you previously purchased a policy or a new insurer.

Benefits of Car Insurance Renewal

The renewal of a car insurance policy is not just a matter of procedure to continue to avail the policy, but it brings various benefits with it as well. Renewal of the policy offers the following benefits:

1. Help You Stay Insured: Car Insurance Renewal helps the policyholder to stay insured continuously. If the policyholder meets with an accident just after one day of expiry of the policy the insurance company will not be able to assist him, such risks can be avoided with the renewal.

2. Helps You Keep No Claim Bonus (NCB) Intact: Car Insurance Renewal helps the policyholder keep their No Claim Bonus intact. NCB is provided when the policyholder renews the policy without raising any claim during the period. NCB ranges between 20% to 50% depending upon the number of claim-free years.

3. Gives You The Option To Change Your Insurance Company: It helps the policyholder to change their insurance provider as mostly the first-time car insurance policy is purchased from the car dealer. Later on, policyholders can conveniently change the insurance company and features of the policy as they have the option and opportunity at that time to do so.

4. To Opt Or Alter Add-On Covers: If you wish to enhance the coverage of your car insurance policy, then you can opt for add-on covers or riders or can change the existing ones during the renewal process of your policy as per your needs. The availability of add-on covers may vary on the basis of add-on covers like zero depreciation cover, roadside assistance, engine cover, etc.

5. Saves You From Penalty: Driving a car without holding a valid insurance cover is a punishable offence as per the Indian Motor Tariff. Therefore, it is quite significant to keep your car insurance policy active by renewing it timely. It will surely help you to drive your car on the road freely without worrying about the penalty. Driving a car without holding a valid insurance cover is a punishable offence as per the Indian Motor Tariff. Therefore, it is quite significant to keep your policy active by renewing it timely. It will surely help you to drive your car on the road freely without worrying about the penalty.

Online Car Insurance Renewal Process Through InsuranceDekho

It is quite simple to renew a car insurance policy with the InsuranceDekho platform. Here is the process to renew the car insurance online through the InsuranceDekho portal:

Step 1: Visit insuracedekho.com and click on the tab for ‘car’.

Step 2: Enter your car’s Registration Number and click ‘Proceed’. Now, select your car’s fuel type and variant to proceed. If you do not remember your car’s registration number, click on the ‘Don't know your car number?’ option and select your car’s brand name, model, fuel type, variant, registration year, registration city and RTO.

Step 3: Provide the expiry date of your previous car insurance policy and the name of your previous car insurer. Tell us if you had made any claim during the previous policy and click on ‘Continue’.

Step 4: Fill in your personal details - name and mobile number and the number of days by when do you want the car to be insured. Click on ‘Submit and Get Quotes’.

Step 5: All available premium quotes from different insurers will be displayed to you. Compare and select the quote which best suits your requirements. At this stage, you can also opt for different add-ons, accessories and passenger cover.

Step 6: Click on the ‘Buy Now’ button, confirm your details, and proceed with the payment. You can make payment using your credit/debit card or other net banking facilities. The policy will be issued instantly to you and you will receive the policy document at your registered email address.

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​Car Insurance Renewal Process - Through Insurer Company's Website

Here is the process to renew car insurance through the official website of the insurance company:

Step 1: Visit the official website of the insurer. Go to the car insurance renewal section available on the website.

Step 2: Enter your previous car insurance policy details - previous policy number and your car’s registration number/engine number/chassis number.

Step 3: Check the policy details and the policy renewal premium and proceed with the payment of the renewal fee. Generally available modes of online payments are - credit card, debit card and Net banking.

Factors To Consider While Renewing Car Insurance Policy Online

Given below are some factors which you should consider during the car insurance policy renewal:

  • Claim settlement ratio of insurers. The ratio tells the percentage of total claims settled by an insurer out of the total claims received in a financial year.
  • If the insurer is offering the correct IDV for your car.
  • Easy of renewal process - if it is instant, user-friendly and paperless.
  • Availability of after-sales and customer assistance services offered by the insurer.

Benefits of Renewing Car Insurance Policy Online

When it comes to car insurance policy renewal, it is recommended to get it done online. However, the option to renew the policy through an offline method is also available but choosing the online mode is always recommended. Below are some benefits of doing car insurance renewal online:

1. Simple And Swift Process – The online car insurance renewal method is fast and convenient which makes the car insurance plan easy and quick. With an internet connection, you can get your plan at the comfort of your home anytime without visiting your insurance company’s branch or calling your agent. Since the online renewal process is paperless, it helps you avoid the tedious paperwork and helps you keep the records handy.

2. Customisation Is Easy - While renewing the car insurance policy online, you can easily customize your coverage and can enhance it by adding add-on covers to your plan. You just have to go through the list of add-on covers or better plans to opt for and can opt for them as per your requirements and budget at a click.

3. Process Is Secure and Clear – The car insurance renewal online process is safe and secured. Also, the transparency of the process enables you to make an informed decision. The online process also gives you secured payment gateways for premium payments that safeguard your personal and crucial information is not exposed anywhere that lowers any fraudulent risks.

4. Easy to Swift The Insurer – With car insurance renewal online, you can switch your insurance company easily as information about different types of insurance providers is easily available online. You just have to make a comparison between some insurers on a different basis and opt for the most suited policy as per your budget and needs.

5. Transfer No Claim Bonus – You can always transfer your No Claim Bonus (NCB) at the time of car insurance policy renewal. While for the online renewal process, it is simply easy and quick in comparison to offline renewal.

6. Transparent Process Method – The policy renewal process is transparent, which means that nothing will be hidden or no one like an agent is hiding something related to a car insurance policy.

Tips to Keep in Mind During Car Insurance Renewal

Car insurance renewal is a systematic process that requires a bit of planning and consideration. It’s not just about continuing your existing policy; it’s also an opportunity to reevaluate your current plan, make necessary adjustments, and perhaps even save some money. Below are some tips that can guide you through the car insurance renewal process smoothly and effectively:

1. Don’t Wait for Expiry:

Begin the renewal process well before your existing policy expires. This approach not only prevents a coverage gap but also gives you ample time to revise and make any necessary changes to your policy.

2. Review Your Coverage:

Your needs and circumstances may change over time. Review your coverage to ensure it still fits your current situation. Consider any new risks or changes, like relocation, a new vehicle, or modifications that may affect your premium.

3. Compare and Shop Around:

Don’t hesitate to explore other options. Compare premiums, coverages, and services offered by various insurers to make sure you’re getting the best deal.

4. Check Discounts and Offers:

Look for available discounts, no-claim bonuses, or any special offers that insurance companies may provide during renewal. These discounts can significantly reduce your premium during the car insurance renewal.

5. Evaluate Deductibles:

Consider adjusting your deductibles based on your budget and risk tolerance. A higher deductible can lower your premium, but it also means you’ll pay more out-of-pocket in the event of a claim.

6. Update Personal Details:

Ensure that your personal information, like address and contact details, is accurate and up-to-date. Any changes, such as a new address, should be communicated to the insurer.

7. Consider Additional Riders:

Think about adding riders or additional coverages that enhance your policy, like zero depreciation or roadside assistance, based on your needs and vehicle's age.

8. Examine the Insurer’s Claim Settlement Ratio:

Check the insurer’s claim settlement ratio and customer reviews to gauge their reliability and service quality. A higher claim settlement ratio is generally favourable.

9. Go Digital:

Consider opting for car insurance renewal online. It’s convenient, often comes with discounts, and allows for easy comparison and access to various plans and insurers.

10. Review Policy Document:

After renewal, carefully review the policy document to ensure all details are correct and all requested changes have been incorporated.

11. Keep Records:

Maintain a proper record of your insurance policy, including soft copies. Having easy access to your policy can be quite handy during emergencies.

Ensuring a seamless car insurance renewal involves thoughtful consideration, comparison, and a proactive approach. By following these tips, you can renew your car insurance with confidence, making sure you have the best coverage at the best price, aligned with your current needs and preferences.

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Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

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Car Insurance Renewal FAQs

  • How to renew car insurance online?

    To renew car insurance online, visit InsuranceDekho and go to the renewal section. Then enter your previous policy number and expiry date of the policy. Verify the details and premium. Make a payment online and your car insurance policy will get renewed.

  • Can I renew my car insurance policy after the expiry date?

    Yes, it is possible to renew a car insurance policy even after missing the deadline, however, the same is not advisable. The renewal option is open for 90 days from the expiry date but an inspection of the car is mandatory. After the said 90-days window, the policy cannot be renewed. In such a case, you will have to buy a new insurance policy for your car to keep it insured.

  • Can I modify my add-on covers while renewing my car insurance policy?

    Yes. You can opt-in/opt-out for add-on covers at the time of renewal of their car insurance policy.

  • How long does it take to renew a car insurance policy online?

    The duration of the car insurance renewal varies from insurer to insurer. A policy generally gets renewed instantly when the previous and current insurer is the same. However, in the case of a switch from an existing insurer to a new insurer, the renewal might take a few days time.

  • What happens to my NCB discount if I renew my policy from a different insurer?

    Most insurers allow policyholders to retain their No Claim Bonus (NCB) discounts even if they migrate from a different insurance provider. In general practice also, NCB discounts of the previous year for regular policyholders are retained at the time of renewal.

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