How to Check Car Insurance Status Online on Parivahan Sewa/ RTO?

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Checking Vehicle Insurance Status Online on Parivahan Website

Rohit bought the first car of his life and he was looking forward to traveling across the country in his new car. Since having an insurance is compulsory by law in India for anyone to drive a car on the roads, Rohit checked online to read about the numerous available car insurance offers and purchased the best policy for his new car. However, he is now worried about how to check car insurance status online so that he doesn’t forget to renew the car insurance before it expires.

Rohit’s concern is valid. In today’s busy schedule, it is quite common for people to forget about the renewal date of their car insurance. However, there is no need to worry. In this article, we are discussing the various easy ways through which you can check car insurance online and keep a tab on your insurance status to know its expiry date so that you can renew it on time. Let’s start with the validity of car insurance.

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Also Read: Cheap Car Insurance Plans in India

How long a car insurance policy remains valid?

Like other products, insurance plans also have a validity period and most car insurance policies remain valid for a period of one year.  The policy holder is expected to renew the policy before the validity expires to enjoy the coverage.

In case of new car, the car owner is supposed to buy the insurance plan for a period of 3 years as per the Motor Vehicle Act, 1988. The owner is expected to renew the policy before the 3 year term expires. Once done, you can purchase the next policy for one year period, which you must renew yearly.

Of course, it is very important to renew the policy before it expires by checking RC status to stay away from any legal hassles.

Why is it important to have timely renewal of your car insurance plan?

It is important to renew your insurance before it expires to be able to enjoy the coverage of your car insurance under the policy. However, in case of a lapse due to non-renewal, the consequences can be as follows:

  • You cannot claim for any compensation from the insurer: Once your policy date expires, the insurance agency is not liable to pay you for any damages done to your car. You have to pay from your pocket for every loss.
  • You might get into legal hassle: Since having a car insurance is obligatory in India, you don’t have a choice when it comes to insurance. Thus, if you do not renew your car policy, you are violating the Motor Vehicles Act, and are prone to getting into legal hassle. If you get caught without a car insurance, you will have to pay penalty or might even land up in jail.
  • Might have to pay high premium: If you do not renew your policy on time, you might be labeled as a careless person. If so happens, your insurance company might charge you high premium on renewal.
  • You may lose your No Claim Bonus (NCB): NCB is offered to a car insurance owner as a savings on premium renewal. However, this is available for claim-free years and can help the policy owner save over 50% only if he/she renew the policy within 90 days of expiry date.

How to check vehicle insurance status?

The validity/status of your insurance can be checked in many ways to keep yourself updated with the date of expiry of the policy.

Some of the ways are mentioned below:

  • By checking your insurance papers.
  • By calling the insurance agency’s customer care number.
  • By calling your insurance agent from whom you bought the policy and asking him/her about the details.
  • By checking in the Insurance Information Bureau (IIB) portal.
  • By visiting the RTO office portal.
  • By checking your policy details in the website of ‘Parivahan Sewa’.

How to check the status of your car insurance online on the website of Parivahan Sewa?

The Ministry of Road Transport & Highways has launched the website of the Parivahan Sewa and maintains it centrally for the benefit of the Indian citizens by storing data of all vehicles across the country.  So, as and when someone buys or renews a vehicle insurance, the information gets updated on the Sarathi Parivahan portal within 2 working days.

Below steps needs to be followed for checking the status of your vehicle insurance online on Parivahan Sewa website:

  • Go to the website of Parivahan Sewa
  • On the menu bar, go to the tab – ‘Information services’
  • Now in the drop down menu, you will see ‘Know your vehicle details’ tab. Click on it.
  • Vahan NR e-services page will appear in front of you.
  • To login you will have to submit your registered mobile number.
  • Once you login to the page, submit your car registration number as well as the verification code.
  • Now click on the tab – ‘Search vehicle’
  •  You will see the details of your car along with the expiry date of your policy.

How to check the status of your car insurance at the RTO?

Once a new vehicle is purchased, it has to be registered at the RTO or Regional Transport Office. Thus, RTO has details of every vehicle registered and you can easily check the expiry date of your insurance from the RTO.

Here are the steps to follow:

  • Go to the website of RTO.
  • On the menu bar, go to the option – ‘Online services’ for citizens.
  • Now select the tab ‘related online services’.
  • Click on tab – ‘Vahan citizen services’
  • Choose the RTO details in which your vehicle is registered.
  • Now on the menu bar choose the tab – ‘Status’ followed by ‘Know your vehicle details’.
  • Submit your car registration number as well as chassis and engine numbers.
  • Complete the captcha code and enter.
  • You will see the Parivahan vehicle details along with the expiry date of your car insurance policy.

Also Read: How to Renew Car Insurance Policy Online in India – A Complete Guide

To Conclude

It is very important for every single car owner to renew their car insurance policy before it expires.  In case of missing the renewal date, you might have to face legal hassles and adverse circumstances. Thus, you should know how to check car insurance expiry date online to avoid issues like rejection of claim, or higher premium on renewal and so on.

So, avoid missing the expiry date of your car insurance premium. If required, set a reminder on your mobile or any other place where you can see it easily. And for those who are not sure about the expiry date, you must check the Parivahan RC status online on the Parivahan Sewa portal or on the RTO website.

FAQs on Checking Car Insurance Status Online on Parivahan Sewa

How to check car insurance status online?

Here are the steps that can be followed to check car insurance status online:

Go to the VAHAN website
Click on 'know your vehicle details' tab.
Submit the registration number of your vehicle and enter the verification code.
Click on 'search vehicle' tab.
You can see the insurance details on the screen.

How can I get my car insurance details from the parivahan website?

To check your insurance details from parivahan website, go to the official website of VAHAN e-services.

Go to the 'Know Your Vehicle Details' and submit your car registration number.

Now enter the verification code/captcha code.

Click the 'Search Vehicle' tab

You can see details of your car insurance on the screen.

How to check the status of car insurance at the RTO?

Here's the steps to follow:

Visit the official website of your State's transport department
Go to the 'Online Services - For Citizens' option
Now, select the 'Vehicle Related Online Services' tab
Click on the 'VAHAN Citizen Services' link
Now, select the details of your RTO where your car is registered
Go to the status tab and choose the 'Know Your Vehicle Details' option
Now enter registration number, engine number and chassis number of your vehicle
Enter the captcha code now and submit the details

You can see details of your car insurance on the screen

How to check the validity of a car insurance policy?

To check the validity of a car insurance policy, follow the steps:

Go to the VAHAN e-Service portal
Click on “Know Your Vehicle Details”
Enter the vehicle registration number
Click on “Search Vehicle” tab

You can see the expiry date of your vehicle's insurance and other details

Why is it important to renew a car insurance plan on time?

It is very important to renew a car insurance plan on time so that you can experience

its benefits. If a policy is not renewed within the fixed time, it is regarded as a lapsed policy. In that

case, the insurance provider will not consider any claims of the lapsed policy.

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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