A car insurance policy number is a unique identifier assigned by an insurance provider when a policy is issued. It helps in identifying the type of policy, its coverage, and other important details.

Every policyholder is assigned a distinct policy number, which serves as a reference for all future transactions, such as claims and renewals. A car insurance policy number is linked to the vehicle covered under the policy.

Also Read: How to Check Car Insurance Expiry Date?

A car insurance policy number helps insurance providers identify and track the policy in their system. It helps manage policy records, including coverage details, payment transactions, etc.

With thousands of car insurance policies issued every day, having a policy number is essential. It helps insurance providers prevent errors and confusion, ensuring each policy is accurately tracked and linked to the correct policyholder.

Whether it is for verifying coverage, updating personal or vehicle details, or accessing policy documents, the policy number is the central point of reference that keeps your insurance information secure and well-managed.

A car insurance policy number is useful for policyholders, as it serves as a central point for various purposes, such as verifying policy coverage or filing a claim. Let us consider some scenarios where a car insurance policy number is helpful.

At the Time of Accident

A car insurance policy number is essential at the time of an accident. After an accident, policyholders need to file an insurance claim for damage and loss. A policy number is essential when filing a claim or verifying the policy's coverage.

If third-party injuries or property damage are involved, the policy number may also be required while filing an FIR or sharing information with authorities. Keeping this number handy ensures that the necessary procedures after an accident can proceed without delay.

At the Time of Policy Renewal

Another situation where the existing policy number is important is when renewing policy documents. Car insurance has a validity of 1, 3, or 5 years, depending on the policy type. Once the validity is over, policyholders need to renew it in a timely manner to avoid fines and penalties while on the road.

During the policy renewal process, policyholders need to have the car insurance policy number handy. Even if you are changing an insurance provider, a car insurance policy number is crucial for availing a no-claim bonus discount.

Also Read: 10 Car Insurance Renewal Tips

At the Time of Selling Car

Knowing your policy number is important when selling a car. When you decide to sell your car, the insurance policy must also be transferred to the new owner. In this process, the car insurance policy number is needed to update the ownership details in the insurer’s records.

It confirms that the vehicle is insured and helps the buyer continue enjoying the existing benefits under the policy. Having the policy number ready speeds up the transfer and ensures there are no coverage gaps during the handover

At the Time of Routine Checkups

A car insurance policy number is required for a vehicle's routine check by traffic authorities. These routine checkups are conducted to ensure that the vehicle is in compliance with the law and that a policyholder has the relevant documents.

A traffic inspector checks the vehicle documents, including the insurance, to verify the coverage. Not having valid insurance at the time of a routine checkup can invite fines and penalties from the authorities.

Also Read: Fine for Driving Without Insurance in India

At the Time of Updating Car Details

Having a car insurance policy number handy is also crucial if you want to update your car insurance details. Many times, policyholders want to change their address or phone number.

The insurer uses the policy number to retrieve your records and ensure the correct information is updated.
Keeping this number handy makes the update process simple and helps keep your policy accurate and up to date.

At the Time for Applying Duplicate Copy

If you misplace your physical policy document or lose access to the digital version, you can request a duplicate copy from your insurer. In such cases, the car insurance policy number is essential for retrieving your policy information.

It helps the insurer confirm your identity and issue a replacement copy quickly. Without this number, getting a duplicate policy may take longer and involve additional verification steps.

Also Read: How to Get your Duplicate Car Insurance Policy Online in India?

If you are wondering how to find my car insurance policy number quickly, there are several easy ways to do so. You can find the car policy number using online and offline methods. Let us discuss these methods in detail.

Online Methods to Find Existing Policy Number

Insurance Provider Website

The very first way to know the car insurance policy number is to visit the insurance provider's website. All you need to do is log in to your account and download the policy from the dashboard. TATA AIG allows you to download the car insurance policy documents in just a few simple steps.

• Step 1: Go to the TATA AIG self-service page.
• Step 2: Click on the “Download Policy” option.
• Step 3: Enter the registered mobile number and click on the “Submit” button.
• Step 4: The car insurance policy document will open. Click the download option to save it as a PDF.

Parivahan Website

If you are wondering about how to find a car insurance policy number by vehicle number, then the Parivahan website is a reliable option. The portal offers services related to vehicle registration, driving licences, and basic insurance information.

By using your vehicle number, you can easily check whether your car is insured and view key details. Here is how to find the vehicle insurance details.

• Step 1: Step 1: Go to the Parivahan Sewa website and click on the “Other Services” option.
• Step 2: Choose the “Know your Vehicle Details” option.
• Step 3: Fill up your mobile number and the captcha code, then hit the “Next” button.
• Step 4: Enter the vehicle registration number and other details.
• Step 5: The website will provide the vehicle information, including insurance coverage.

Insurance Information Bureau (IIB) Website

Another way to know the car insurance policy number is through the IIB portal. It is a website that maintains a record of all vehicle insurance plans in the country. You will be asked to enter your personal details, such as your name, age, and other information.

The website will then show you your car insurance policy details. Here is how to find a car insurance policy number.

• Step 1: Visit the official IIB website and go to the “Quick Links” section.
• Step 2: Click on the “V-Seva” option to open the Accident Vehicle Information Retrieval System page.
• Step 3: Enter the required details, such as your mobile number, email ID, and vehicle registration number.
• Step 4: Fill in the captcha correctly and submit the form.
• Step 5: The portal will display the available insurance details linked to your vehicle.

Email and SMS Record

Last but not least, you can find the car insurance policy number using your email and SMS record. When you purchase a policy, the insurer collects your mobile number and email ID to share important updates and policy documents.
After purchase, a soft copy of your policy is sent to your registered email address, and you may also receive an SMS with key details such as the policy number and expiry date. You can easily search in the email inbox or message history to know the policy number.

TATA AIG offers multiple customer support options, like phone, email, and WhatsApp, for accessing policy details.

Offline Methods to Find Existing Policy Number

Physical Policy Documents

One of the simplest answers to how to find my insurance policy number is to check the physical copy of your policy document. When buying a car insurance plan, the insurance provider provides a physical copy containing all details, such as policy numbers, coverage, car information, expiry date, and more. You have to look at the top of the policy document, where this number is generally printed.

Visiting Insurance Providers Branch

Irrespective of whether you purchase the policy online or offline, you can walk into any branch of the insurance company and find out your car insurance policy number. The branch representative will ask you for your name, age, phone number, and identification proof to verify your identity. After the verification is complete, they will be happy to share your car insurance policy details.

Contact Representative or Agent

If you purchase your four-wheeler insurance plan from an insurance agent, the agent will have a copy of your policy’s details. You can simply contact them and ask them to retrieve the policy number. All insurance agents maintain a copy of their clients’ car insurance policy details. However, depending on the agent's responsiveness, this may take a bit of time.

Check Premium Receipts or Bank Statements

Another way to know the existing policy number is to check the bank statement or premium receipt. Whenever you make a payment for your insurance, the transaction details often include the policy or reference number for the insurance plan. Search your receipts or online banking history by date of purchase to find the details.

Visit Local RTO Office

If none of the online or document-based options work, you can visit your nearest Regional Transport Office (RTO) to retrieve insurance details linked to your vehicle. Provide your vehicle registration number and identity proof, and the officials can help you track your insurer information. Once you have the insurer's name, you can contact them directly to find your policy number.

Not knowing the car insurance policy number can lead to various consequences at important moments, such as:

• Not knowing the car insurance policy number at the time of the accident can delay the claim process.
• You might also need to pay a fine when police or authorities ask for insurance information during routine checks, and you do not know it.
• When selling or transferring your car, paperwork may slow down if the policy number is unavailable.

Finding the policy number is an easy process if you have all the documents in order. Here are some tips to help you find a policy number whenever needed, without any difficulty.

• It is best to save a digital copy of a car insurance policy on your mobile phone or computer.
• Additionally, it is important to keep a physical copy of your car insurance on your car's dashboard.
• Keep conversations regarding premium receipts or payments starred in the email inbox, as they may carry reference or policy numbers.

Knowing how to find a car insurance policy number is essential because it helps you access your insurance benefits without any delay. Whether it is for renewing your policy, filing a claim, or proving that your car is insured during checks, the policy number plays a key role.

It is best to write down or save the car insurance policy number in your phone. Further, using the methods mentioned above, you can retrieve it without any trouble.

TATA AIG offers four-wheeler insurance plans that protect your vehicle against theft, accidents, and more. Furthermore, using our self-service portal, you can do a car insurance online check in minutes. In addition, we send timely emails and message notifications to policyholders about their policy coverage.

This communication helps policyholders stay informed about important details, such as renewal dates, policy numbers, and more. Apart from this, our car insurance online offers additional benefits, such as nationwide cashless garages, minimal documentation, no-claim bonus discounts, and more. So what is stopping you now? Buy car insurance from the TATA AIG website now!