Endorsement in Car Insurance

Whenever you ask someone about car insurance, the first idea that comes to their head is buying a policy at the time and just forgetting about it except for the yearly renewals. However, that could lead to a lot of problems in the future. Firstly, you miss out on various kinds of coverages that can be beneficial for you. Secondly, you are more likely to make mistakes with fulfilling the insurance formalities with driving. The best example is that you would have no idea what the details of the vehicle insurance policy are. This means you have no idea what kind of coverage you or how you can use it. Moreover, you might even forget to carry your policy documents while driving.    

Fortunately, car insurance has been digitized enough for you to solve these problems effectively. Even if you do not remember your vehicle insurance details or have misplaced your policy documents, there is a way you can check the status of your car insurance online. With almost every insurance provider having digital mediums, you can check your policy status online. The online mode of interacting with your policy is efficient and fast. Every new-age insurance provider aims to offer the best after-sales service to their customers and a major part of that is a digital medium. 

How to check car insurance status online

The process of checking the status of your car insurance policy is extremely simple. The Insurance Regulatory and Development Authority of India (IRDAI) governs and manages all things related to insurance in the country. It has released an insurance data repository known as Insurance Information Bureau (IIB). IIB is a web portal designed to track the information about various vehicle insurance policies. Here is how you can check the status of your car insurance policy online: 

  1. Log on to the official IIB web-portal 
  2. Enter the necessary details into the web portal. These details include name, email ID, mobile number, address, car registration number, etc. 
  3. Once, you have filled in all the details and verified them, click on the submit button.
  4. The details of the policy associated with your details will appear. That means your policy is still active. However, if it is not active, the results will show the details of the previous policy. 
  5. If following this method does not get you the required results, you can search again by using the engine and chassis number of your car. 

You can visit the official website of IRDAI for further details.

Guidelines for search 

  • The registration number of your car is mandatory for the search. Moreover, you have to ensure that you enter the number without any special characters. 
  • Once the policy details have been submitted to the Data Repository by the dealer, the information is only available on the IIB web portal after 2 months. Hence, there is always a chance that your details might not appear for some time. 
  • Insurance providers only submit the chassis and engine number of the car if you carry the same policy to a new vehicle. 
  • The portal only allows a maximum of 3 searches per mobile number or email address.

You can visit the official website of IRDAI for further details.

Apart from the above, if you have purchased a general insurance policy for your car online, you can log into your insurance company’s portal to check its status. 

Please note insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.