Check Vehicle/Car Insurance Status/Validity Online

Car insurance status indicates whether your vehicle insurance policy is active, expired, or nearing expiry. It also reflects key policy information such as the insurer’s name, policy validity period, and coverage type.

Driving without even basic third-party insurance is illegal. Checking your insurance status helps you make sure you are not accidentally driving without valid cover.

Why is it important to check car insurance status?

Legal Compliance: Ensuring your insurance remains active helps you avoid fines and legal issues while driving.

Financial Protection: A valid policy guarantees coverage for damages or injuries in case of an accident.

Accident Readiness: Checking status allows you to quickly confirm details if you need to file a claim.

Buying/Selling Vehicles: Verifying insurance ensures second-hand vehicle transactions are safe and legitimate

Who needs to check the car insurance status?

Any vehicle owner or driver should know the status of their car insurance policy. A car insurance status check tool is useful, which lets people easily check the status of their insurance policy.

People who should use this tool to know the status of their car insurance policy are:

• First-time car owners
• Daily commuters and long-distance drivers
• Buyers of second-hand vehicles
• Owners who have misplaced policy documents
• Fleet and commercial vehicle operators

What is the validity of a car insurance policy?

Typically, a standard car insurance policy is valid for one year. However, newer regulations often require long-term policies (e.g., three years for third-party cover) for brand-new vehicles.

Validity is the specific timeframe during which your insurer is contractually obligated to cover your risks. Once this period ends, the policy loses its legal standing, and you lose your "No Claim Bonus" (NCB) if you fail to renew it within the grace period (usually 30- 90 days).

How to check car insurance validity using vehicle number?

The easiest way to verify your status is by using your Vehicle Registration Number. Whether you use the official government portal or a reliable platform like Park+, your vehicle number acts as a master key.

Once entered, the system fetches your insurer's name, policy number, and the crucial expiry date from the central VAHAN database.

Different ways to check car insurance status online

You can check your car insurance status online using trusted platforms that are connected to official vehicle databases. Below are the commonly used portals, along with a brief explanation of each:

• Park+

Park+ is a user-friendly platform that allows you to check car insurance status using only the vehicle number. It also offers additional vehicle services, making it convenient for regular car owners.

• Parivahan Sewa

Parivahan Sewa is an official government portal that provides verified vehicle and insurance details. It is linked to the national transport database, ensuring accurate and reliable information.

• mParivahan App

The mParivahan app is the mobile version of Parivahan services, designed for easy access on smartphones. It allows users to quickly check insurance status and store digital vehicle records.

• VAHAN Portal

The VAHAN portal is the central government database for vehicle registration and insurance information. It is commonly used for official vehicle verification and compliance checks.

• RTO Website

Many state RTO (Regional Transport Office) websites offer vehicle-related services, including insurance status checks. These portals provide region-specific information based on official RTO records.

How to check car insurance status online?

Checking your car insurance status online is quick and convenient, allowing you to confirm your policy details without visiting offices. Multiple trusted portals and apps provide instant access to accurate insurance information using just your vehicle number.

How to check car insurance status online via Park+?

Park+ offers a faster and more user-friendly way to check car insurance status. It connects directly with the VAHAN database and provides instant results through a clean and simple interface.

Steps to Follow:

1. Download the Park+ app or visit the website and navigate to the 'Car Insurance' section.
2. Enter your Car Registration Number in the given box.
3. Instantly view your policy number, insurer details, and expiry date.

How to check car insurance status online via Parivahan Sewa Portal?

The Parivahan Portal is an official government platform that allows you to check verified vehicle and insurance details using your registration number.

Steps to Follow:

1. Visit the official Parivahan Sewa Portal.
2. Navigate to the 'Informational Services' tab and select 'Know Your Vehicle Details'.
3. Log in using your registered mobile number.
4. Enter your vehicle’s registration number and the captcha code.
5. Click 'Search Vehicle' to view your insurance provider and expiry date.

How to check car insurance status online via the mParivahan App?

A mobile-friendly version of the Parivahan portal, ideal for checks on the go. It is convenient for quick checks and storing digital vehicle records.

Steps to Follow:

1. Download and open the mParivahan app on your mobile.
2. Sign up or log in with your mobile number.
3. On the home dashboard, select the ‘Insurance’ category.
4. Enter your vehicle number and hit search.
5. Check your car insurance status along with other vehicle information.

How to check car insurance status online via the VAHAN Portal?

The VAHAN Portal is a central government database that provides authentic vehicle and insurance information linked to your registration number.

Steps to Follow:

1. Go to the VAHAN e-Services website.
2. Click on 'Know Your Vehicle Details' at the top of the page.
3. Log in or sign up through your mobile number.
4. Enter the vehicle number along with the captcha.
5. The system will generate a detailed report of your vehicle's current insurance status.

How to check car insurance status online via the RTO Website?

Most states have their own transport department portals that offer localised data.

Steps to Follow:

1. Visit the official transport department website of your state.
2. Look for the ‘Vehicle Related Service’ section.
3. Click on ‘Know Your Vehicle Details’.
4. Enter your Vehicle's Registration Number, along with the Chassis Number and Engine Number.
5. Fill the captcha and submit the details.
6. View the status of your car insurance.

What information can you check online?

When you perform an online search, the system typically displays the following information:

1. Insurance Company Name: The provider currently covering the vehicle. 2.Policy Number: The unique identifier for your insurance contract. 3.Expiry Date: The date after which your coverage ends. 4.Type of Policy: Whether it is Third-Party or Comprehensive. 5.Vehicle Details: Make, model, fuel type, and registration date.

How to check car insurance status offline?

If you don't have internet access or the online portals are down, you can use these traditional methods:

1. Visit the RTO: Go to your local Regional Transport Office (RTO) and provide your registration number to an official.
2. Contact Your Insurer: If you know who your insurer is, call their customer service helpline or visit a local branch.

Why checking insurance status online is important?

Online insurance status checks provide quick and accurate information without paperwork or visiting offices. This is important because driving without valid insurance can lead to penalties and serious financial risk.

Regular online checks help you:

• Instant Verification: You can check your insurance details within seconds.
• Legal Compliance: It helps you avoid fines during traffic police checks.
• Accident Readiness: If an accident happens, you can quickly confirm your coverage to start the claim process.
• Buying Used Cars: When purchasing a second-hand vehicle, an online check helps confirm whether the insurance details shared by the seller are genuine.

Why is it important to renew your car insurance on time?

Missing a renewal deadline isn't just a minor oversight; it has serious consequences:

• Financial Risk: Without insurance, you are personally liable for all repair costs and third-party damages.
• Legal Penalties: Driving an uninsured vehicle can lead to fines and further legal action if the matter goes to court.
• Loss of No Claim Bonus: If you don’t renew within given days of expiry, you lose the accumulated discount on your premium.
• Inspection Hassles: Renewing an expired policy usually requires a physical inspection of the car by a surveyor, which can be time-consuming.

What to do if car insurance is expired?

If your car insurance has expired, stop using the vehicle straight away and take action to renew it.

Here’s what you should do:

• Do Not Drive: Driving without insurance is illegal, so keep your car parked until the policy is renewed.
• Contact Your Insurer: Get in touch with your insurance provider to renew the policy as soon as possible. Some insurers may allow late renewal, but coverage is not active during the gap.
• Vehicle Inspection: Be prepared for a vehicle inspection, as insurers often require a physical or video check before issuing a new policy after expiry.

Coverage check - Third-party vs Comprehensive

It is crucial to understand exactly what the difference between third-party insurance and comprehensive car insurance covers before you hit the road. While third-party insurance is the legal minimum, it leaves you financially vulnerable in many scenarios. A comprehensive policy, often called "fully comp," offers the widest protection.

Common errors while checking car insurance status online

When checking car insurance status online, small mistakes can lead to confusion or incorrect information, so it is important to be careful during the process. If you cannot find your details, it is likely due to one of the following:

1. Entering an incorrect or incomplete vehicle registration number
2. Checking details on unofficial or unreliable websites
3. Misreading the insurance expiry date or policy status
4. Assuming third-party insurance also covers damage to your own vehicle

Tips to ensure your car insurance remains active

Taking a proactive approach to managing your car insurance helps you avoid lapses in coverage and stay protected at all times.

• Set Reminders: Note the expiry date and set a reminder at least 15 days in advance.
• Choose Long-Term Policies: A multi-year policy reduces how often you need to renew and lowers the chance of forgetting.
• Timely Renewal: Make sure to renew your car insurance before the expiry date to avoid any break in coverage.
• Verify After Renewal: Check your insurance status on the VAHAN portal a few weeks after renewal to confirm it has been updated.