Expired Car Insurance Renewal

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Expired Car Insurance

If you end up missing out on renewing your car insurance, you risk leaving your car unprotected while out on the road. This means damages due to mishaps or even theft! Apart from that, since insurance for a car is mandatory in India, without a valid policy, you could be looking at traffic fines.

What is Expired Car Insurance?

Also, a lapse in the car insurance policy means losing out on benefits like the No Claim Bonus that can help you reduce your premium amount in the new policy year. Therefore, getting a car policy renewal on time helps you save up on premiums and also ensures your peace of mind.

To renew your policy, you can visit the TATA AIG car insurance website to renew and also buy car insurance online.

Can You Renew an Expired Vehicle Insurance Policy Online?

Yes. In the event of an unfortunate circumstance where you accidentally overlook or even fail to renew expired car insurance before it lapses, there is still a chance to rectify the situation. The process to renew expired car insurance generally involves addressing two main scenarios that may arise when you seek to renew it:

Within the Grace Period:

Renewal of a car insurance policy during the grace period is about taking advantage of the additional time granted to the car owner to initiate the process of car insurance renewal after expiry.

Conventionally, the grace period spans from 30 to 90 days and is provided by almost every insurance company. This grace period might be the ultimate opportunity for renewing the insurance after it has lapsed.

Post Grace Period:

Renewal of an expired car insurance policy after the grace period has lapsed might lead to the termination of the policy. If you fail to process the car insurance renewal after expiry while the grace period is still valid, the policy turns into a void, and no claims can be made after.

Further, you must apply for a new policy, forfeiting any previously accumulated No Claim Bonus (NCB) if the renewal occurs beyond the designated 90 days from the expiry date. Hence, during this purchase, the NCB is no longer applicable.

Reasons to Renew Expired Car Insurance

As a policyholder, here are some reasons why you should renew your insurance on time:

Comprehensive cover: Your car insurance provides your car with a comprehensive cover for any damage, repair or loss. If the policy expires, you end up losing the cover, which leaves your car unsecured.

No Claim Bonus: A lapse in your car insurance policy will cause you to lose your No Claim Bonus benefits. By renewing the policy on time, you can ensure lower premiums in the upcoming policy year.

Third-party coverage: Without an insurance cover, if a road accident occurs and there is third-party damage, you will be left to pay for the expenses from your own pocket rather than the insurance policy covering it for you.

How to Renew Expired Car Insurance Online With Tata AIG?

Car policy renewal online has never been simpler. Additionally, with Tata AIG it is possible to renew lapsed/expired car insurance policy as well.

While it is advisable to renew your policy before the expiry date, there can be circumstances where you forget to renew your car insurance on time. For such misses, we offer a Grace Period of 90 days from the date of expiry. If you renew your policy within the Grace Period, you can retain all the accumulated benefits, especially the No Claim Bonus discounts.

However, if you forget to renew within the Grace Period, then you will lose the NCB discount. Additionally, your car insurance premium might go up. But you can still renew your expired/lapsed policy with Tata AIG. What’s more, you can even renew the expired policies of other provider’s with Tata AIG.

Following are the steps to renew your expired car insurance policy with Tata AIG:

Step 1 - Visit our official website for your TATA AIG car insurance renewal.

Step 2 - Fill in your car registration number. Click on ‘Renew’ to get your car insurance quotes online and renew your plan.

Step 3 - Enter the details as prompted by the screen. Choose from the list of add-ons, such as:

  • Roadside Assistance Cover
  • Engine Secure
  • Zero Depreciation Cover
  • Return to Invoice Cover
  • No Claim Bonus (NCB) protection, etc.

Step 4 - You will need to provide your car registration details, RTO office address and car company’s name and model. Also, keep at hand information about any claims made in the previous policy tenure and date of expiry of the policy.

Step 5 - After following these steps, your car insurance premium is generated.

Step 6 - Make your payment online, and your policy is renewed!

How to Decrease the Car Insurance Premium While Renewing an Expired Car Insurance Policy?

It is recommended to renew your motor insurance policy as soon as it expires to avoid consequences. If done within the grace period, you can effectively retain the chance to leverage your No Claim Bonus (NCB) and other benefits.

This allows you to reduce the car insurance premium. Following are some practical tips to reduce car insurance premiums effectively:

Get a 50% discount with No Claim Bonus:

During the renewal process, it’s highly recommended to inquire and verify about any available No Claim Bonus (NCB). By abstaining from filing claims in the policy year, you can benefit from the NCB during your renewal process.

This benefit can lead to a substantial discount of up to 30% on the premium amount. This accrued NCB can still be applied even within the grace period. However, if the car insurance policy is terminated, you can no longer avail NCB.

Anti-Theft Devices:

Installed in the car to deter and prevent theft, the anti-theft devices not only enhance safety but may also be financially beneficial. The anti-theft devices may result in a premium discount that helps to reduce car insurance premiums from most insurance companies. Hence, they provide a twofold benefit- promising safety along with saving money.

Higher Deductibles:

You have the option to adjust various aspects of the insurance policy during the renewal process. This includes a deductible percentage. The deductible is the portion or percentage of the claim that you, as the car owner, are responsible for covering.

Higher deductibles typically reduce your policy premium. However, it's important to note that in the event of a claim, your out-of-pocket expenses will rise.

Things to Keep in Mind if Your Car Insurance Has Expired

Driving around without car insurance is not only unsettling, but it can also be illegal in some cities and states! Here are some things to keep in mind if your insurance has expired.

Avoid driving till you buy a new policy. Don’t take the risk of using your car if there is no active policy to protect it. And ensure the quick online purchase of your car insurance policy to keep your car safe. TATA AIG offers a grace period after the lapse of your online car insurance policy. However, don’t wait it out. The sooner you renew your policy after the lapse, the lesser the chances of losing out on your No Claim Bonus.

Consider buying a new car insurance policy. It is advisable to renew the old policy within the grace period to avoid losing your NCB or if you don’t want a car inspection. Arrange your car documents and keep them ready so that you can save some time and avoid stress while purchasing a new policy.

Self-Inspection Under Car Insurance Expired Policy Renewal Online

The procedure for conducting a self-inspection video for an online car insurance renewal is generally contingent on the technology the insurer employs. Follow the steps listed below to complete the self-inspection online car insurance renewal process successfully:

Step 01: To renew car insurance online, you must download the insurance company's application. Android users can access the application from the Google Play Store, while iOS users can find it on the Apple Store.

Step 02: Following the download, input the required details as prompted by the insurance company, including the policy number and vehicle registration number. In many instances, logging in with your registered mobile number will auto-fill all necessary information.

Step 03: After successful login, employ the self-video inspection feature to record a video. Ensure adherence to the video-shooting standards provided by the insurance companies.

Documents Required for Expired Car Insurance Renewal India

When renewing a lapsed car insurance policy, it is essential to have these documents readily available to facilitate a smooth transaction. Here are key documents you should have on hand when dealing with an online car insurance renewal process:

  • Vehicle Registration Certificate (RC)

  • A copy of the expired car insurance policy

  • RTO address associated with the insured car

  • Car details, including car model number, city, date of registration, insurer name, etc.

Offline vs Online Expired Insurance Renewal for Car

While a majority of the population opts for online car insurance purchases, there is a specific demographic that still favours acquiring car insurance through offline channels. Following is a detailed representation of the difference between online car insurance renewal and offline car insurance renewal:

Points of Basis Online Car Insurance Renewal Offline Car Insurance Renewal
Transparency Make sure to visit the insurer's website to review plan details with complete transparency.  Less transparency increases the likelihood of data manipulation by an agent. 
Easy to Compare Effortlessly compare various plans provided by different insurers when renewing online.  More flexibility is needed when selecting a car insurance plan through offline modes. 
Self- Inspection Convenient self-inspection by capturing a video of your vehicle and uploading it.  A surveyor will carry out a necessary physical examination of your vehicle. 
Accessibility Convenient accessibility and round-the-clock assistance More work is needed to obtain comprehensive information about the insurance plan independently, as details are conveyed through the agent.
Cost Lower expenses as you can acquire discounts Higher expenses include the agent's commission
Paperwork Minimal to negligible paperwork.  Tons of paperwork. 

Benefits of Renewing Tata AIG Car Insurance

While several companies offer car insurances, what sets Tata AIG car insurance apart from them?

Accidental damage and theft cover: Any loss of vehicle or accidental damage is covered by our insurance policy. Our comprehensive car insurance in India comes with this inclusion and does not require you to purchase this add-on separately.

Zero depreciation cover: With our car insurance, you can enjoy complete claims without any depreciation on the value of the car. In addition to lower premiums, this feature enables you to enjoy the maximum returns from your insurance policy.

7500+ network garages: Enjoy an all-encompassing coverage for your policy with our widespread network of more than 7500 garages across the country.

Easy renewals online: Get a prompt renewal with our online renewal option. Enjoy your car protection from the comfort of your home.

Car insurance in India is mandatory by law which makes it illegal and unsafe for an uninsured car to be driven on the road. Therefore, make an effort to keep the policy renewal date in mind. TATA AIG recommends that the ideal time to renew your policy is two weeks before its expiry.

How To Check Car Insurance Expiry Date Online?

The process to check insurance expiry dates online is relatively easy. The Insurance Regulatory and Development Authority of India (IRDAI) has launched a portal called the Insurance Information Bureau (IIB), which provides information about policies acquired after April 1, 2010. There are two methods to check the car insurance expiry date online: through IIB or via Vahan.

Check Car Insurance Expiry Date Through IIB

Step 01: Go to the IIB portal and select 'quick links’.

Step 02: Provide the required details of the car and owner as prompted.

Step 03: Click submit to view the insurance details.

Check Car Insurance Expiry Date Through Vahan

Step 01: Access Vahan e-services and select 'Know your vehicle details.'

Step 02: Input the requested details, such as the car's registration number.

Step 03: Proceed by clicking on the 'search vehicle' option.

Step 04: All the relevant details, including the expiration date of your car insurance policy, will be displayed on your screen.

What to Do if You Fail to Renew Your Car Insurance During the Break-In Period?

After the expiration of your grace period and failure to renew your car insurance, you will need to purchase a new insurance policy for the expired one. In the event of car insurance expiration, there are specific steps you should take:

Step 01: Communicate with your insurance provider and clearly express your desire to renew the policy after the expiration.

Step 02: If your car insurance policy is still within the renewal window, do not postpone the task any further and renew it immediately.

Step 03: Ensure that you refrain from driving your car on the roads without a valid insurance policy. It is illegal to operate a vehicle on Indian roads without car insurance. Moreover, driving without insurance means lacking coverage.

Step 04: Upon the termination of your car insurance plan, it becomes imperative to obtain a new one. However, view this as an opportunity to explore the best options available.

What is the Impact of an Expired Policy on the No Claim Bonus?

A No Claim Bonus (NCB) is a reward granted to a car owner when no claims are filed during a policy year. This bonus serves to provide discounts on subsequent policy renewals. Failure to renew car insurance promptly can have implications for the accrued NCB. Once the policy has lapsed and been terminated, the accumulated NCB is forfeited.

However, should the car owner opt to transition to a new car insurance policy during the renewal period, the accumulated NCB remains unaffected. As the NCB is assigned to the individual rather than the specific car or insurance policy, it can be utilised to secure discounts on new car insurance purchases as well.

Can a Policy be Renewed from a Different Insurance Provider?

Indeed, just as you possess the liberty to purchase car insurance from any provider, you also have the option to renew it with a different insurance provider. When your policy is on the verge of expiration or has already expired, it presents an opportune moment to reassess your insurance provider. It is entirely permissible to procure car insurance from one provider and subsequently renew it with another.

If you have encountered unfavourable experiences with your existing insurance company, you have the prerogative to switch providers. If you have received positive feedback about a particular insurance provider and wish to make the transition, you are free to do so during the car insurance policy renewal process. Significantly, opting for a different car insurance provider does not impact the retention of your No Claim Bonus (NCB).

Other Models

Maruti Suzuki Swift Dzire Insurance Maruti Celerio Insurance Honda City Insurance Honda Amaze Insurance Hyundai Verna Insurance Mahindra Thar Insurance Toyota Innova Crysta Insurance Mahindra Xuv 500 Insurance

Disclaimer / TnC

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

What happens if I renew my car insurance after it expires?

What happens if I renew my car insurance after it expires?


If your car insurance has expired, you lose benefits such as the No Claim Bonus and will have to purchase a new insurance plan. If the grace period for the renewal has passed, you will no longer be able to make an insurance claim during the inactivity of the policy and lose any accumulated No Claim Bonus. You will also have to undergo a mandatory vehicle inspection for a new policy.

What should I do if my car insurance expired?


Avoid driving your vehicle if your insurance is not active. Go to your insurance provider’s website and start looking for a new plan if the grace period has also passed. Peruse the various plans available, and purchase a suitable policy.

What happens if your car insurance policy lapses?


If your car insurance lapses, you will have to get a new insurance policy. Your renewal may also get rejected if you have lost the grace period and will lose out on benefits such as the No Claim Bonus. A new plan also means a new vehicle inspection as well as a higher premium.

Is there a grace period after car insurance expires?


While the grace period varies depending upon your chosen plan, Tata AIG typically provides 90 days to renew your policy after the expiry of your previous car insurance. Though we recommend renewing your policy before it expires, you can also do it during the grace period to retain your benefits.