How to Check Car Insurance Status Online?
Mumbai, 13 June 2025: In today’s fast-paced digital world, keeping track of your four-wheeler insurance is no longer a hassle. Whether you want to renew your policy or simply ensure compliance with traffic rules, it is crucial to know your car insurance status. This article explains why it is important to check car insurance status and the different ways vehicle owners can do it in order to avoid potential pitfalls on the road.
Why Should You Check Car Insurance Status?
As per the Indian Motor Vehicles Act, it is illegal to drive on public roads without a valid car insurance policy, and every vehicle owner must have at least third-party car insurance. If a car is driven without a valid insurance policy, you may have to pay heavy fines, face legal consequences, and pay out-of-pocket for any damage to your vehicle.
Hence, to secure your peace of mind, you must review your car insurance status regularly. Checking status of car insurance online is easy and takes only a few moments. These are the reasons to do it:
- Helps avoid traffic fines & legal penalties
- Allows for timely car insurance renewal
- Ensures uninterrupted protection
Multiple Ways to Check Car Insurance Status Online
The following are different ways to check the status of your car insurance online. Have a look-
1. Parivahan Sewa Portal
The Parivahan Sewa portal by the MoRTH (Ministry of Road Transport and Highways) is a trusted government website. To check car insurance status on this platform, simply visit Parivahan’s official website, click “Know Your Vehicle Details,” and enter your vehicle registration number to quickly know your car insurance status and view other key information.
2. VAHAN e-Services
VAHAN is another platform on which you can check your car insurance status online. This service is integrated with most state RTOs. It allows you to check insurance-related information about your vehicle.
3. mParivahan App
Prefer a mobile application? The mParivahan app, available for both Android & iOS, is another way to review your car insurance status and other vehicle info from your smartphone.
4. Policybazaar.com
If you’ve purchased car insurance from Policybazaar.com, simply login to your account dashboard to access your policy documents in just a few minutes.
5. Insurer’s Portal
Another way to review your car insurance status, know its expiry date, and download policy documents is by visiting your insurance company’s website or mobile app.
6. Policy Copy/Customer Care Team
You can also check your car insurance status by either going through your policy copy or contacting your insurer’s customer support team.
How to Select the Right Car Insurance Policy?
While buying car insurance online, it is important to take into account the following aspects in order to get the right coverage in the right budget:
- Type of Coverage: While third-party insurance is sufficient to avoid traffic fines, a comprehensive policy offers complete protection to you and your vehicle.
- Select the Right IDV: Choose the IDV that matches your car’s market value. A lower IDV implies lower insurance premium. However, you may end up paying a significant amount during claims.
- Compare Before Buying: Compare multiple car insurance plans online to find the right policy tailored to your coverage.
- Know the Claim Process: Choose an insurer with an easy claim process and a quick claim settlement. It is also a great practice to go through customer reviews and ratings for the insurer and then choose the policy.
- Insurer’s Cashless Garages & CSR: Choose an insurer with an extensive network of cashless garages so you can opt for a cashless repair without paying out of your pocket. Additionally, review the insurer’s Claim Settlement Ratio (CSR); the higher this value, the greater claim settlement.
- Customer Support: Another consideration when buying car insurance is the customer service of the insurance company. Choose an insurer that offers 24×7 customer support for convenient settlement of your queries & claims.
In Brief
Regularly checking your car insurance status is a smart practice. Not only does it ensure you meet legal requirements, but it is also necessary for your peace of mind while driving. Stay informed when your car insurance is about to expire using any of the above-mentioned methods. Also, if you are willing to buy or renew car insurance, consider Policybazaar.com, which offers a user-friendly platform as well as a dedicated claim assistance team.
