How to Check Vehicle/Car Insurance Policy Validity
Written by Upstox Desk
4 min read | Updated on June 06, 2025, 15:38 IST
Checking Your Vehicle's Insurance Policy Validity
Other Alternatives
Summing Up
FAQs
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When Rohit decided to relocate to another state for a new job, he handed his father a folder containing important documents, explaining which needed verification or copies. The next morning, Rohit noticed his dad was already dressed and ready to head out. Curious, he asked where he was going. His father replied, “You should take your car to the new city. Having your vehicle will help you in a new place.” Rohit agreed, appreciating the gesture, but asked again where he was headed.
His father said, “I’m going to the insurance company to check the validity of both cars. That way, we’ll know which one has longer coverage.” Smiling, Rohit assured him, “Well, thank you for being so thoughtful, but you don’t have to go all the way to the insurance company. You can easily check the validity online.” Surprised, his father asked, “So I can check the validity from the computer?” Rohit nodded, “Yes, even from your phone.”
Having a valid motor insurance policy is not only a financially wise decision but also a legal mandate. Not having a valid motor insurance policy can cause serious trouble, like hefty penalties, denied claims, or even legal trouble if caught during a routine check. Therefore, always have a valid policy, especially when using the car. Knowing your policy's validity also helps you better plan for renewals and avoid missing due dates.
Checking Your Vehicle's Insurance Policy Validity
There might be several occasions when you need to check your insurance policy’s validity. From getting it renewed to claiming your NCB (No-Claim Bonus), or getting your old policy transferred to your new car, adding a new car or driver to your policy, or combining your motor insurance policy with your other policies to make a bundle, knowing your validity is very crucial. Even when there is no such emergency, you might want to check your policy’s validity to stay updated.
Here are the most common ways by which you can check the policy validity:
Offline (Conventional Mode)
If you have a lot of time and prefer the old-school way, you can check the status by visiting your insurer’s branch office, contacting your insurance agent, or calling the company’s toll-free number. This method is great for those who prefer personal interactions or need assistance from a representative. Make sure that you contact the branch office or your agent during working hours only. However, most customer support helplines operate 24*7, hence you will instantly get the policy status.
Insurer’s Website or App
You can visit your insurance company’s website or download the app and log in. If you had provided the same mobile number while buying the policy, all you need is to enter your vehicle registration number, policy number, or the mobile number linked to your policy. The interface will then show your policy validity and renewal date.
Aggregator’s Website or App
If you purchased your policy from a third-party aggregator like Upstox, checking the policy validity is quite straightforward. Simply log in with your registered mobile number or email ID and navigate to the “My Policies” or “Policy Details” section. These platforms often provide a consolidated view of all your insurance policies, renewal reminders, and comparison tools.
Other Alternatives
You can check the policy’s validity in other ways, which are described in the following table:
| Method | Platform | Steps |
|---|---|---|
| mParivahan App | Android / iOS | Download app → Enter reg. No. → View insurance under “RC Info” It is government-approved and accepted by the authorities |
| DigiLocker | Android / iOS | Sign in → Link insurer under “Issued Docs” → View policy |
| Parivahan Sewa | vahan.parivahan.gov.in | Go to “Know Your Vehicle” → Enter reg. No. → View insurance status |
Summing Up
A valid motor insurance policy is a legal requirement and a smart financial choice. Without it, you risk penalties, denied claims, or legal issues. Checking your policy's validity is essential not just during renewals or claims, but also when transferring coverage, adding a vehicle or driver, or bundling policies. Staying informed helps you avoid lapses and manage your insurance responsibilities more efficiently.
FAQs
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Can I check the validity of my car insurance using the vehicle registration number?
You can check your insurance status using the vehicle registration number on official insurer websites or government portals like VAHAN.
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Does my insurance validity differ for comprehensive and third-party policies?
Yes, comprehensive and third-party policies can have different validity periods depending on the policy type and insurer's terms.
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Can I get a reminder before my motor insurance policy expires?
Most insurance companies send automated reminders via SMS, email, or app notifications before your policy expires.
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Do I need to check the validity of my insurance before selling my car?
Yes, verifying and updating your insurance policy is important to avoid legal and financial complications before transferring ownership.
About Author
Upstox Desk
Upstox Desk
Team of expert writers dedicated to providing insightful and comprehensive coverage on stock markets, economic trends, commodities, business developments, and personal finance. With a passion for delivering valuable information, the team strives to keep readers informed about the latest trends and developments in the financial world.
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