Secure Your Car With The Super Car Insurance Plan!

Believe it or Not! Save upto* 75% on TATA AIG Car Insurance

Secure Your Car With The Super Car Insurance Plan!

Believe it or Not! Save upto* 75% on TATA AIG Car Insurance

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Car Insurance Renewal in India: Documents Required

  • Author :
  • TATA AIG Team
  • Published on :
  • 27/05/2022

If you possess a four-wheeler, you most likely spend a significant amount of money and time maintaining it in pristine condition. However, it is also likely that your automobile will sustain some scratches or dents when navigating via traffic on your way home from work or stuck in extended traffic jams when suddenly a rickshaw puller out of nowhere pushes against your four-wheeler.

These are when you need to get the blows and bruises fixed as soon as possible, even if it means spending a lot of money. In such instances, four-wheeler insurance comes to your aid and covers most of the costly damage repair costs. In addition, liability-only coverage covers third-party damage caused by your vehicle.

When you purchase a car, you get a one-year car insurance coverage. However, if you wish to drive your four-wheeler again before the expiry of this one-year insurance, the government of India requires you to renew your car insurance.

According to the amended IRDAI standards announced in 2019, if a four-wheeler is discovered without third-party liability-only insurance, the car owner would be fined ₹2,000. However, you may prevent this fine and jeopardise the safety of your vehicle or third party by renewing your car insurance long before the expiration date.

At Tata AIG, we offer robust four-wheeler insurance policies for you to keep your cars protected in unanticipated incidents, helping your pockets from getting punctured in such situations. Moreover, with the help of our online premium calculator, you can compare car insurance plans that best suit your needs.

Now let us take you through the central part. Since all policies have an expiration date, automobile owners may ensure coverage by renewing their vehicle documents online timely. Continue reading about the processes and paperwork necessary for car insurance policy document renewal.

Importance of Timely Renewal of Your Car Insurance

Your car insurance policy document will lapse if you do not renew your automobile insurance policy before the expiration date. An expired car insurance policy document would not only violate the nation's traffic regulations but will also result in the denial of four-wheeler insurance claims.

Your car insurance provider will no longer be obligated to cover any damage or loss to your vehicle after your insurance plan has expired. As a result, if your uninsured vehicle is involved in an unpleasant event or accident, you'll be required to pay for the damages to your four-wheeler and third-party liabilities out of your bank account.

The timely renewal of your car insurance vehicle documents online ensures that your four-wheeler is financially protected. For example, in an accident, there may be damages and legal responsibilities. Moreover, it'll give you an edge in earning various renewal benefits, such as the no-claim bonus that auto insurance firms offer you during insurance renewal time.

Car Insurance Renewal: Process

When your four-wheeler insurance plan's expiration date approaches, you should follow these procedures for the auto insurance renewal process:

  • First, contact Tata AIG's customer care department and explain the problem.
  • Tata AIG will notify you if your vehicle must be surveyed as part of the renewal procedure.
  • You should make an appointment to check if your vehicle requires an inspection.
  • You should work with the inspector to coordinate and submit the auto insurance renewal process documentation.
  • After the review, you must pay the car insurance renewal premium to renew your policy.

Documents Required for Insurance Policy Renewal

The documents needed for car insurance renewal are listed below:

  • Identity proof like Aadhar Card, PAN Card, or Voter Card
  • Proof of your residence
  • Driving licence
  • Recent passport-size photo
  • Car registration number
  • Pollution check certificate
  • Car registration certificate
  • Car insurance policy number (existing)
  • Debit or credit card information for net banking

Therefore, these are the documents required for insurance policy renewal.

Renewing Your Four-Wheeler Insurance Online: Benefits

Four-wheeler insurance is required by law and is not an option. However, due to digitalisation, Tata AIG has established facilities for online four-wheeler insurance renewal, making it straightforward and easy for you.

The following are some of the advantages of online four-wheeler policy renewal:

  • It is simple and requires no such effort;
  • The choice of car insurance plans is mammoth;
  • Four-wheeler insurance renewal plans online are 30 to 40% less expensive than offline renewals;
  • When renewing online car insurance, you can personalise your policy based on your budget, coverage, etc.

Considerations Before Car Insurance Renewal

Before renewing your four-wheeler insurance policy, you should keep the following considerations in mind:

  • To avert driving without car insurance, keep the insurance plan's expiration date in mind.
  • Before car insurance renewal, you should compare insurance policies through our online bike insurance premium calculator to get the best rates and plans.
  • You can use your NCB (no-claim bonus) to save money on your car insurance renewal premium.

Conclusion

Finally, you are the car's defender. Timely renewing your four-wheeler insurance is critical for your vehicle since it shields you against legal complications and financial losses in an unforeseen accident. Depending on your preferences, you may renew your auto insurance coverage offline or online. And now that you are aware of the documents required for car insurance renewal in India, you must keep these handy.

At Tata AIG, we have online four-wheeler insurance renewal options, allowing you to renew your auto insurance coverage from any location. Also, when the car policy renewal date approaches, you should keep all of the documents needed for car insurance renewal close at hand.

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Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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