Expired Car Insurance Renewal

The expired car insurance renewal is a process of renewing the car insurance plan when it expires. Every policy has a fixed validity period, usually 1 year or 3 years, depending on what you selected at the time of purchase. During this time, the insurer provides full coverage for damages, losses and third-party liabilities.

Once the car insurance expiry date passes, the coverage stops immediately. This means if your car insurance expires, you will not be able to raise a claim for any accident or damage, and you may also face legal penalties for driving without valid insurance. However, if your car insurance expired but is still within the grace period, renew it without waiting any longer.

TATA AIG also offers a car insurance expired grace period, giving you a short window to renew the plan without losing certain benefits. However, if you miss this grace period, the policy is considered completely lapsed, and you may need to have a vehicle inspection or pay a higher premium at renewal.

Vehicle owners need to face various repercussions if they do not renew their car insurance policy on time. Here are some of the things that will happen if you do not renewal of car insurance after expiry.

Fines and Imprisonment

If you do not do a car insurance renewal before expiry, then you might face fines and imprisonment. Driving a vehicle without valid insurance coverage can result in penalties ranging from ₹2,000 to ₹4,000. In some cases, it can also lead to 3 months' imprisonment.

Out of Pocket Expenses

Failure to renew a car insurance after expiry date can lead to hefty out-of-pocket expenses in the event of vehicle damage or loss. When the policy expires or lapsed by the policyholder, the insurance provider is not liable to pay for repair expenses. Policyholders need to bear such expenses out of their own pocket.

Loss of No Claim Bonus

When you miss the renewal deadline and the policy lapses beyond the grace period, the accumulated no-claim bonus gets cancelled. This bonus usually reduces your premium during renewal, so losing it means you will have to pay a higher premium when you buy a fresh policy. Keeping track of your renewal date helps you retain this valuable benefit.

Mandatory Vehicle Inspection

If a car insurance policy remains expired for too long, the insurer may require a physical inspection of your car before renewing the coverage. This is done to assess the vehicle's current condition and check for any existing damage. The inspection can delay the renewal process, and if significant issues are found, it may also affect the premium you are offered.

Higher Premium Cost

If you do not complete the expired car insurance renewal online on time, you may have to pay a higher premium. Insurance providers consider a lapsed policy a high-risk case, which can lead to higher insurance premiums. Furthermore, policyholders will lose their no-claim bonus, resulting in a higher premium.

Vehicle owners can check the car insurance expiry date in multiple ways. Here are some ways to know the exact car insurance expiry date.

Check Car Insurance Expiry Through IIB Portal

• Go to the IIB portal and select 'quick links’. Scroll down to the “V-Seva” option.
• Then, the “Accident Vehicle Information Retrieval System” webpage will display on the screen.
• Provide the required details of the car and owner as prompted.
• Click submit to view the insurance details.

Check Car Insurance Expiry Through Parivahan Sewa

• Open the Parivahan Sewa website and click on the “Other Services” option.
• Click on the “Know your Vehicle Details” option.
• Enter the details and click the “Next” button.
• The portal will display the vehicle information, including its insurance expiry.

Check Car Insurance Expiry Through Vahan

• Access Vahan e-services and select 'Know your vehicle details.'
• Input the requested details, such as the car's registration number.
• Proceed by clicking on the 'search vehicle' option.
• All relevant details, including your car insurance policy's expiration date, will be displayed on your screen.

Check Car Insurance Expiry Through TATA AIG

• Open the official TATA AIG website and click on the “Self-service” option at the bottom.
• Click on the “Download Policy” option and then enter the requested details.
• The portal will let you download your car insurance policy and check its expiry date.

Other Ways to Know Car Insurance Expiry Date

• To know your car insurance expiry date, you can also contact TATA AIG help number 02264898282 (charges may apply) or email customersupport@tataaig.com.
• You can visit the TATA AIG branch if you need help verifying the policy in person or clarifying any doubts.

Also Read: How to Check Car Insurance Expiry Date?

Vehicle owners need to renew their car insurance after the expiry date; however, at the time of renewal, they need to keep certain factors in mind.

Know the Exact Expiry Period

Before doing the car insurance renewal of expired policy, know the exact period for which your policy has expired. You can easily check the date in the car insurance policy document.

Look for the Grace Period

After knowing the car insurance expiry date, also check whether there is a grace period to renew the plan. If you review the plan during this period, you avoid the complete policy lapse and still can get benefits like no claim bonus.

Review Car Coverage

At the time of renewing the car insurance online, you also need to review the policy coverage. This is the best time to modify your car insurance coverage, such as adding on, changing the sum insured, or making other changes.

Update Personal Details

Vehicle owners can also update their personal details, such as address and mobile number, at the time of car insurance renewal. Your details must remain up to date with the insurer to avoid future claims mishaps.

Check No Claim Bonus Eligibility

Lastly, vehicle owners need to check their eligibility for the no-claim bonus before renewal. If you renew within the grace period, you may still retain your NCB. If not, prepare for a higher premium due to the loss of this discount.

Doing a car insurance renewal for an expired policy online with TATA AIG required a few steps. Here is how you can do the renewal of car insurance for expired policy.

• Step 1: Open the TATA AIG website and navigate to the “Renewal” page. Select the car insurance option to get started.
• Step 2: Enter either your vehicle’s registration number or your existing policy number. Once the details are entered, click "Continue".
• Step 3: The expired car insurance plan will appear on the screen. Take a moment to go through it and make changes if needed, such as adjusting the IDV or adding extra covers.
• Step 4: Enter the information asked on the form, double-check the details, and complete the payment for your renewed own damage policy.
• Step 5: Once the transaction is complete, a copy of your renewed policy will be emailed to your registered ID.

Here is the list of documents vehicle owners need to submit for the car insurance policy renewal.

• Expired car insurance policy documents.
• Original driving licence
• Vehicle registration certificate
• Vehicle pollution test certificate
• Address and identification proof
• Any other documents requested by the representative.

Also Read: Car Insurance Renewal in India: Documents Required

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

• Step 1: 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 App Store.
• Step 2: 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 3: 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.

If you want to lower your car insurance policy premium at the time of renewal, here are some of the ways that can help you.

Use No Claim Bonus Discount

One way to lower your car insurance premium at the time of policy renewal is to use an accumulated no-claim bonus discount. It is a benefit offered by insurance providers to policyholders for each claim-free year. TATA AIG offers a no-claim bonus discount of up to 50%.

Avoid Unnecessary Add-Ons

Another way to lower the premium of car insurance renewal for an expired policy is to avoid unnecessary add-ons. Policyholders must pay additional charges for these voluntary offerings to increase vehicle coverage. TATA AIG offers various unique add-ons, such as engine security and tyre security, with a marginally increased premium.

Install Anti-theft and Security Device

Policyholders can also reduce their car insurance premiums at renewal by installing an anti-theft or security device. These devices provide vehicle security and reduce insurance providers' liability. TATA AIG encourages such behaviour by offering additional discounts and benefits to policyholders with anti-theft devices.

Choose Higher Deductibles

Opting for a higher voluntary deductible can lower the overall premium at renewal. This means you agree to pay a small portion of the repair cost during a claim, and in return, the insurer offers a lower premium. TATA AIG car insurance plans come with a flexible deductible option

Avoid Vehicle Modifications

Customising your car with performance upgrades or cosmetic modifications can increase the renewal premium. These changes often raise the vehicle’s risk profile or repair costs, leading insurers to charge more. Sticking to the manufacturer’s original specifications helps keep your premium lower and the renewal process simpler.

Also Read: 10 Car Insurance Renewal Tips

Vehicle owners can check the car insurance premium for an expired policy using the premium calculator. Here is how you can check the plan's premium.

• Step 1: Open the TATA AIG car insurance premium calculator page.
• Step 2: Provide the vehicle information, such as the registration number, make and model, and other details.
• Step 3: Choose your desired IDV and car insurance plans. Include add-ons if you want to, based on your needs.
• Step 4: The portal will display the estimated car insurance premium based on the details provided.

Generally, policyholders receive a grace period to renew their car insurance policy after its expiry. However, if you forget to renew your plan within the period, then you need to follow the steps mentioned below:

Avoid Driving Uninsured Vehicles

Do not use the car until the policy is renewed. Driving without insurance can lead to fines and legal trouble, and if an accident occurs, every repair or liability will come out of your own pocket.

Contact TATA AIG Representative

Reach out to the TATA AIG team as soon as possible. They will guide you through the renewal process for a lapsed policy and inform you if a vehicle inspection is needed before restarting the coverage.

Avoid Unnecessary Renewal Delays

If your car insurance plan is still in a grace period, then renew it without any delay. You can easily carry out the car insurance renewal online in just a few steps. Also, check the no-claim bonus benefit if applicable.

Buy New Car Insurance Policy

Lastly, if the car insurance policy has expired for a long time, you need to buy a new policy. This ensures you get back on the road with valid coverage and stay protected from legal and financial risks.

Also Read: What is the Grace Period in Car Insurance & Its Benefits

Renewing car insurance after expiry is crucial for vehicle owners to maintain continuous coverage. Driving without valid insurance coverage is a traffic violation and can result in a fine. Furthermore, you have to bear the expenses out of your own pocket if you do not have proper car insurance online coverage.

TATA AIG offers various car insurance plans that send timely email alerts and call reminders to help you renew your policy before it lapses. These reminders make it easier to track your renewal date and avoid having your car insurance expire without your knowledge.

Along with timely reminders, we provide customised solutions to vehicle owners based on their needs. For instance, our zero-depreciation car insurance is a crucial add-on that helps eliminate depreciation from claims. This claim allows policyholders to receive full claim amounts without depreciation being factored in.

Our car insurance policy also offers benefits such as a hassle-free claim process, quick policy issuance, and nationwide cashless garages for policyholders. Buy car insurance online with TATA AIG and ensure your vehicle is fully protected.