How to Check Car Insurance Expiry Date?

Car insurance validity is the time for which the insurance policy is valid. After the expiry of the validity, a vehicle owner must renew the policy to continue getting insurance coverage and benefits. Generally, car insurance policies are valid for one year.

However, as per the new regulations, if you purchase a new car you must buy long-term insurance, which has a 3-year validity. Once the three-year period is over, you can renew the policy on an annual basis.

Being aware of the insurance expiry date is crucial for all policyholders. There are multiple ways in which one can check the expiration date, whether online or offline. Here are some ways to do so:

Online Ways to Check Car Insurance Validity

• Check on the Parivahan Sewa website.

• Check the expiration date on your phone through the mParivahan app.

• Check the validity of the insurance through the IIB Portal.

• Check the insurance expiry through VAHAN.

• Check on the RTO website.

• Check on the TATA AIG website.

Offline Ways to Check Car Insurance Validity

• Find out about the policy expiry by checking the policy document.

• Call TATA AIG at the toll-free number 1800-266-7780 or email us at customersupport@tataaig.com. You can also reach out on WhatsApp at +91 9136160375.

• Contact your insurance agent to know about the insurance expiry.

• Visit the RTO in your vicinity.

The Parivahna Sewa website, maintained by the Ministry of Road Transport & Highways collects and stores data about all the vehicles registered in the country.

So when a person purchases insurance for his vehicle, the data is updated on the Parivahan website within 2 days.

Steps to check car insurance status by vehicle number:

Step 1: Go to the Parivahan Sewa homepage.

Step 2: Navigate to the “Informational Services'' menu and click on “Know Your Vehicle's Details.” You will see the Vahan NR e-Services page.

Step 3: Register an account on the Parivahan website by using your mobile number and follow the instructions.

Step 4: If you already have an account, log in to the portal.

Step 5: Provide your vehicle registration number and the verification code.

Step 6: Click the “Search Vehicle” option.

**Step 7 All the details of your vehicle, along with the insurance expiry, etc., will appear on the page.

If you do not have a computer or laptop you can use the mParivahan app to know your insurance expiry.

Step 1: Install the mParivahan app on your phone.

Step 2: Choose the language you prefer and click on “Continue.”

Step 3: Log in to the app using your mobile number.

Step 4: Next, you will see a dashboard with two options to check your car insurance validity.

Step 5: You can find out the insurance status by entering the vehicle number or your driving licence number.

Step 6: Enter one of the details and click on the “Search” option.

Step 7: Check the insurance status on the app.

Before you visit the Insurance Information Bureau of India website, you must keep some details handy, such as vehicle registration number, accident location, mobile number, name, address, date of accident, etc.

Step 1: Visit the official website of IIB.

Step 2: Search for the “Quick Links” on the homepage. Click on the “V-Seva” option.

Step 3: The “Accident Vehicle Information Retrieval System” page will show up on the screen.

Step 4: Provide all the required details on the page, such as mobile number, email address, vehicle number, etc.

Step 5: Enter the captcha correctly.

Step 6: Click on the “Submit” button.

Step 7: The insurance information for your vehicle will be seen on the page.

The VAHAN portal contains all the information about your vehicle. Therefore, if you want to find out about your insurance expiry, you can use this portal.

Step 1: Visit the VAHAN online portal.

Step 2: If you do not have an account, click on “Create Account” and follow the instructions.

Step 3: If you already have an account, you must provide the mobile number and enter the verification code. Then click, “Next” and log in.

Step 4: After you have logged in, enter the vehicle registration number and the captcha.

Step 5: Click the “Search Vehicle” option.

Step 6: All the details of your vehicle along with the insurance expiry, etc., will appear on the page.

Note:** It may take up to 30 days for your vehicle information to reflect on the VAHAN portal. Thus, you may wait for the information to get updated or check your car insurance status through other methods.

RTOs are responsible for maintaining a database of the drivers and vehicles in the city. Therefore, if you want to check car insurance status, you can go to the RTO website.

Step 1: Navigate to your RTO official website.

Step 2: Click on “Online Services-For Citizens”.

Step 3: Choose the “Vehicle-Related Online Services” option.

Step 4: Click the link for “VAHAN Citizen Services.”

Step 5: Select the RTO where your car is registered.

Step 6: Find the status tab on the page and click on the “ Know Your Vehicle Details” option.

Step 7: Provide your car’s registration number, chassis number and engine number.

Step 8: Fill in the captcha code correctly and submit.

Step 9: You will be able to view your insurance details on the page.

Check Car Insurance Validity Offline at RTO

You may also find out about car insurance validity by visiting the RTO by following the **Steps given below.

Step 1: Visit the RTO where your car is registered.

Step 2: Enquire with the RTO officer about the vehicle insurance validity check.

Step 3: Go to the concerned officer or department and provide the vehicle registration number.

Step 4: They will update you about the car’s insurance details along with its expiry.

You can also find out the expiry date of your TATA AIG insurance policy on our official website by following the **Steps below.

Step 1: Visit the official TATA AIG website.

Step 2: On the right-hand corner, click on the “Self Service” tab.

Step 3: You will find many options displayed on the page.

Step 4: Click on the “Download Policy” action button.

Step 5: A pop-up box will display, asking for your registered mobile number.

Step 6: After you provide the mobile number, an OTP will be sent to you.

Step 7: Enter the OTP and click “Submit.”

Step 8: Your insurance policy details will appear on the page.

Checking the insurance expiry is as crucial as purchasing an insurance plan. You should be aware of the insurance expiration, so you can renew it on time and continue to receive financial security.

In case, you forget to keep a tab on the expiry and do not renew the policy on time, you will violate the regulations and also lose out on financial benefits that the insurance provides. When you check the car insurance expiry date, you will be able to renew it on time. Therefore, you will not have to face claim rejections.

Claim Approvals

Car accidents can occur anytime leading to car insurance claims. If you renew your policy on time, you can raise a claim from the insurer. When a policy is in force, the insurer must pay for third-party as well as own damage insurance as the case may be. However, if you do not renew the policy, the insurer is not liable to make any payment and your claims will be rejected.

Retain the No-Claim Bonus

A no-claim bonus reward provides a discount of up to 50% on insurance premiums if you do not make any claim in a policy year. It allows you to save by paying lesser premiums. Renewing the policy within 90 days of its expiration allows you to retain the no-claim bonus you have accumulated.

Higher Renewal Premiums

Renewing the policy on time also saves you from paying a higher premium. If your policy has expired, the insurer may charge a higher premium for late renewal. Besides, the insurer may also conduct a vehicle inspection for renewal of the lapsed policy. If the inspection brings out an increased liability for the insurer, they may charge a higher premium.

Adherence to Motor Vehicle Laws

Under the Motor Vehicles Act, motor insurance is a mandatory requirement. If you fail to check your car insurance validity and it expires, you will be violating the Motor Vehicles regulations. If you are caught driving with expired insurance, you will have to pay fines and face imprisonment for up to three months. To safeguard yourself from all these troubles, you must renew the policy on time.

Financial Security

Timely renewal of your vehicle insurance gives you financial security. In case your vehicle meets with an accident, you can raise a claim with the insurance company. The insurer is liable to pay the damage expenses as per the policy terms. Thus, you can enjoy financial security.

However, if you do not renew the policy on time, there is no obligation on the insurer to make any payments and you will have to bear all the expenses from your pocket.

Every vehicle owner must act responsibly and check the car insurance expiry date. On expiration, the insurance must be immediately renewed so you can continue to adhere to the rules and receive coverage.

You can choose to renew your insurance for a four-wheeler, either online or offline, at your convenience. The process of insurance renewal varies from insurer to insurer. Therefore, you must choose a reliable provider such as TATA AIG which offers a simple renewal process.

By visiting our website, you can renew your policy in a few simple steps. We also offer affordable car insurance prices so your finances remain stable.

Our insurance plans provide broad coverage, multiple add-on options, affordable premiums starting at ₹2094, and much more. We have 6900+ cashless garages where you can get your car repaired by professionals.

With us, you can customise your insurance policy with bumper-to-bumper insurance which allows you to get 100% of the sum insured (without depreciation loss) if your vehicle sustains any damage or is stolen.
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