Check Vehicle Insurance Status Online
Vehicle insurance which is also known as motor insurance is insurance for two-wheelers, cars and commercial vehicle. The main objective of these insurance plans is to provide protection against bodily injury and physical damage caused by the vehicle due to accidents and traffic collisions. Liabilities arising from bodily injury and damage caused to the third party is a compulsory coverage needed for every vehicle plying on Indian road as per the Motor Vehicle Act. Motor insurance plans come in comprehensive packages also which gives protection to the owner-driver and to the vehicle against man-made and natural calamities risk.
Furthermore, having a valid third party car & two-wheeler insurance policy is a mandatory legal requirement. These factors make buying insurance a top priority for a vehicle owner.
Check Vehicle Insurance Status Online
At the time of vehicle insurance claims, there might be confusions on how to file a claim. Moreover, you need to know how to check the status of your motor insurance policy as well as the policy of another vehicle if the vehicle is involved in the accident.
This post will share complete information on how to check vehicle insurance status and will also share resources and options that you may want to consider for your vehicle’s insurance.
Instances of claim | What you should do? |
When your vehicle is damaged | This would be a own damage claim which you need to raise in your comprehensive motor insurance policy |
When you harm another individual and/or third party property | This would be a third party claim. The claim would be handled by the Motor Accidents tribunal and paid by your motor insurance policy |
In a hit and run | You would have to make an own damage claim on your comprehensive motor insurance policy since the details of the other vehicle would not be available |
If you suffer an accident due to another vehicle | If you suffer an accident due to another vehicle, you have two options. You can either make a third party claim on the other vehicle’s insurance policy or raise an own damage claim in your comprehensive policy |
In the last instance of claim, to make a third party claim on another vehicle’s insurance policy, you need to find out the policy details of the other vehicle. This is where you would need to check the vehicle insurance status of the other vehicle.
How to Check Vehicle Insurance Status Online?
The vehicle insurance status of another vehicle can be checked online or offline. If you are a victim of unfortunate road accidents and you are having no details of vehicle insurance of the vehicle responsible for the accident, you can avail the details from Insurance Information Bureau. Insurance Information Bureau (IIB) will have the vehicle insurance details for all the insured vehicles online since April 01, 2010. However, you need to provide certain basic details. Following are the details that you need to keep ready to check vehicle insurance status online.
- Name of the vehicle owner
- Address of the vehicle owner
- Email ID and mobile number
- Vehicle registration number
- Date of accident
- Place of accident
Steps to check car insurance status
If a car was involved in the accident, here are the steps which you can take to check the status of car insurance through the online and offline methods –
Online method
- Log on to the website of Insurance Information Bureau
- Click on V-Seva tab, you will be taken to a new page – Accident Vehicle Information Retrieval System
- Fill in all the relevant details of the car responsible for the accident – name, email id, mobile number, address, registration number, and accident date and accident place.
- Submit the information
- If the car details are available on IIB’s database, you will get the information on car insurance status.
Offline method
You can visit the Regional Transport Authority of your area and find out the car insurance status of the vehicle which was involved in the accident. You would, however, have to provide the details of the other vehicle to check the status.
*Terms & Conditions Apply
Steps to check bike insurance status
If a bike was involved in the accident and you want to raise a claim on another bike insurance policy, here is how you can check the policy status –
The motor insurance industry in India
Currently, the Indian general insurance industry is growing rapidly. There are 33 general insurance companies operating in India. Motor insurance business contributes to a major percentage of over 50% to the growth of the general insurance industry. As insurance providers are coming up with customisable and personalised motor insurance plans and offering online car insurance calculators in India, the industry is growing rapidly. As per the recent findings, the total gross premium of the motor insurance industry is expected to cross 17 billion $ mark by the end of 2025.
The motor insurance industry in India has evolved over the years. There were times when people had to wait for a few days to get the motor insurance policy to get the existing policy renewed. Now, with the digitalisation, a new motor insurance policy can be availed online within few clicks. You can find your motor insurance premiums through car insurance calculators in India which are online premium calculation tools. Renewing, filing the claims and placing the enquiry and every process related to motor insurance has become effortlessly easy. Hassle-free claim processes and efficient ways of handling claims are making it all the more simple for customers. Popular insurance companies and insurance technology firms have started mobile self-inspection service which is resulting in smooth business. Moreover, the insurance regulatory body, IRDAI (Insurance Regulatory and Development Authority of India) has come up with various regulatory changes that help in boosting the growth of motor insurance industry. IRDAI takes the data from the Insurance Information Bureau of India to determine third party motor insurance premiums.
Renewing your vehicle insurance before the expiry date is a good idea. Apart from saving on higher premiums that would be applicable on your vehicle due to expiry you enjoy a number of other benefits too. You can use car insurance calculators in India and find your renewal premium easily. You can read more on the advantages here.
However, the hassle associated with the process is why many policyholders are not able to renew their policies on time, we at Turtlemint have made this process hassle free. Simply click on the link below and select renewal of insurance plan, enter a few details as per your requirement and browse through the most suitable plans! Our calculators are one of the best car insurance calculators in India which would also help you assess the premium before renewing the policy.
Renew Car Insurance Plans!
Motor insurance is mandatory in India for every vehicle. To track the motor insurance policies, government’s Insurance Information Bureau of India (IIB) has taken various initiatives. Let’s take a look at the details of these initiatives by the government.
Government initiatives to track motor insurance policies
Government has taken following initiative to track and check vehicle insurance policies
- Automated daily data exchange with NIC (National Informatics India) for identification of uninsured vehicles
- Automated daily data sharing with various state enforcement agencies
- V seva services are available on website and mobile application for enforcement agencies, insurance companies and general public
- Automated daily motor insurance policy
- Stolen but subsequently insured vehicles reports for FY 2014-15, 015-16 and 2016-17
- Canned reports for insurance companies on various dimensions
What is the Insurance Information Bureau of India (IIB)?
Insurance Information Bureau of India (IIB) was promoted by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2009. Insurance Information Bureau is a data repository and analytics bureau that collects reliable, accurate and timely data for the Indian insurance sector. The main objective of setting up of Insurance Information Bureau was for data collection that can help the insurance industry to function effectively and efficiently. This was the step taken by the IRDAI, insurance regulator to protect the interest of policyholders. IIB offers its service package called V Seva that includes various services such as SMS, website and call-centre based which provides information such as accident records and how to check vehicle insurance status etc.
To sum up, retrieving vehicle insurance details online is no longer a complicated task. In case of an unfortunate accident and you have no details regarding the insurance of the concerned vehicle involved in an accident, IIB portal helps you retrieve information instantly with few basic details. Having the insurance details of the vehicle helps you place the claim with the insurance company at the earliest and receive your compensation.
If your insurance policy has expired and you’re looking to renew it or if you are buying a new one, we recommend visiting the resources linked below to understand the best solution based on your requirement and also for a hassle free purchase/renewal process at the most competitive prices.
- Third-Party insurance
- Zero depreciation insurance
- Comprehensive insurance
Frequently Asked Questions (FAQs)
- What is the vehicle registration number?
The registration number is a legal and unique identification number of any authorised vehicle plying on road. The registration number is issued to every new vehicle by district-level Regional Transport Authority (RTA).
- What does third party liability vehicle insurance cover?
Third-party vehicle insurance provides coverage against the liabilities that may arise in an accident due to:
- Death or bodily injury caused to third-party
- Property damage caused to third-party
- Accidental death caused to third-party
- What is the period of third-party vehicle insurance policy?
Third-party vehicle insurance was earlier issued for one year tenure. However, post enforcements from the honourable Supreme Court, all the new vehicles now (from September 2018) are required to avail long-term third-party vehicle insurance coverage. For new cars, the coverage needs to be availed for three years and for two-wheelers the coverage has to be for five years.
- What is the Certificate of Insurance in vehicle insurance?
As per Rule 141 of the Central Motor Vehicle Rules 1989, every insurance company is compulsorily required to issue a certificate of insurance in addition to your policy document at the time of purchasing and renewing the vehicle insurance policy. The certificate of insurance carrying the details of insurance policy is issued in the format laid down in Form 51 prescribed under the Central Motor Vehicle Rules, 1989.
- What is the process of a claim under third-party vehicle insurance?
If you are the unfortunate victim of a road accident, you can check the vehicle insurance status of the vehicle responsible for the accident and retrieve the data from the Insurance Information Bureau website. Following is the process of claim to follow after receiving the data:
- File a complaint with the nearest police station (this can be done before retrieving the insurance details)
- Approach motor claims lawyer for filing the claim in a special court, the Motor Accidents Claims Tribunal. The claim can be placed in the tribunal nearest to the place of accident or nearest to the place where the victim lives
- The court will hear both the parties involved in the accident
- The court will examine the evidence and then decides the liability. Based on this you will receive your compensation for the loss.
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