How to Check Your Car Insurance Status Online: Step-by-Step 2025 Guide

Having valid car insurance is not just a legal requirement in India—it’s your financial safety net in case of an accident, theft, or damage. But many car owners forget their policy renewal dates or misplace the policy documents. Fortunately, with digital transformation in the insurance sector, it’s now easy to check your car insurance status online within minutes.

In this detailed guide, we’ll explain how to check your car insurance policy status using your vehicle number, mobile apps, and government portals, ensuring your policy never lapses unnoticed.

Why Checking Your Car Insurance Status Matters

Before we jump into the process, let’s understand why it’s crucial to keep track of your policy status:

·       To confirm your policy is active and valid

·       To avoid penalties for driving uninsured

·       To check renewal or expiry dates

·       To keep your No Claim Bonus (NCB) intact

·       To ensure smooth claim settlement when needed

Driving with an expired policy can lead to hefty fines under the Motor Vehicles Act, 1988, and exposes you to major financial risks in case of an accident.

2. Methods to Check Car Insurance Status Online

You can verify your car insurance status online using multiple platforms — all quick, free, and accurate. Let’s explore them one by one.

a) VAHAN Portal (Government of India)

The VAHAN portal by the Ministry of Road Transport and Highways (MoRTH) is one of the most reliable platforms to check your car insurance validity online.

Steps to Check on VAHAN:

1.     Visit the official website: https://vahan.parivahan.gov.in/

2.     Click on “Know Your Vehicle Details.”

3.    Enter your vehicle registration number and CAPTCHA code.

4.     Click on “Search Vehicle.”

5.     You’ll see your vehicle details, including insurance company name, policy number, and expiry date.

Tip: Check your insurance status before your next renewal to avoid policy lapse.

b) Insurance Information Bureau of India (IIB) Portal

The Insurance Information Bureau (IIB), regulated by IRDAI, maintains nationwide motor insurance records.

Steps to Check via IIB:

1.     Visit https://iib.gov.in

2.     Go to “Quick Links” → “V-Seva.”

3.    Fill in your name, mobile number, email, and vehicle registration number.

4.     Submit the form and check your inbox for insurance details.

Note: Recently renewed policies may take up to 2 months to appear on the IIB database.

c) Insurance Company’s Website or Mobile App

If you know your insurer’s name (like ICICI Lombard, HDFC ERGO, or Square Insurance), you can check your policy status directly through their portal.

Steps:

1.     Visit the insurer’s website.

2.     Navigate to “Track Policy” or “Manage Policy” section.

3.     Enter your policy number, vehicle registration number, or registered mobile/email.

4.     Instantly view your policy status and renewal details.

Advantage: The insurer’s website always displays the most updated data.

d) Mobile Apps (Easiest Way)

Most insurance providers offer mobile apps to manage policies digitally.

For example:

·       The Square Insurance App allows users to check, download, renew, and compare car insurance policies on the go.

·       Other apps like Paytm, Policybazaar, and insurer apps also provide real-time insurance information.

Download the Square Insurance App here:
https://play.google.com/store/apps/details?id=com.square.squareinsurance&hl=en_IN

e) Using Your Vehicle Registration Certificate (RC)

Your car’s Registration Certificate (RC) often contains your insurance details, including the policy number and insurer name. You can verify these details online through the insurer’s website or VAHAN portal.

What Information Will You See While Checking?

When you check your car insurance status online, you’ll get:

·       Policy number

·       Insurance company name

·       Policy start and expiry date

·       Policy type (Third-party / Comprehensive)

·       Vehicle registration details

·       Add-ons (if any)

·       Claim history / NCB details

Cross-checking these details ensures there are no errors in your policy data.

What to Do If Your Car Insurance Policy Has Expired

If your car insurance policy has expired, you must renew it immediately. Driving without valid insurance is illegal in India.

Steps to Renew an Expired Policy:

1.     Visit your insurer’s website or app.

2.     Enter your vehicle details and old policy number.

3.     Choose your preferred coverage (Third-party or Comprehensive).

4.     Select add-ons like Zero Depreciation, NCB Protect, or Engine Cover.

5.     Make the payment online.

6.     Receive your renewed policy instantly via email or app.

If your policy has lapsed for more than 90 days, your NCB (No Claim Bonus) will reset to zero.

Benefits of Checking Car Insurance Status Online

Here’s why checking your insurance status online is beneficial:

·       Instant Access: Verify your insurance details in seconds.

·       100% Paperless: No need to keep physical documents.

·       Avoid Penalties: Stay compliant with motor insurance laws.

·       Secure Data: Government and insurer portals ensure safe access.

·       Peace of Mind: Always know your car is legally protected.

Legal Penalties for Driving Without Valid Insurance

Driving without a valid car insurance policy is a punishable offense under Indian law.

Penalties include:

·       ₹2,000 fine for the first offense

·       ₹4,000 fine for repeat offenses

·       Possible license suspension or vehicle impoundment

Hence, checking your car insurance status regularly can save you from unwanted trouble.

Tips to Keep Your Policy Active

·       Set renewal reminders on your phone or email.

·       Enable auto-renewal if your insurer supports it.

·       Always keep digital copies of your e-policy.

·       Choose long-term car insurance to avoid yearly renewals.

Final Thoughts

In today’s digital era, checking your car insurance status online is effortless and ensures you never miss a renewal. Whether you use VAHAN, IIB, or trusted mobile apps like Square Insurance, you can stay informed about your car’s insurance validity anytime, anywhere.

A valid insurance policy not only fulfills legal requirements but also ensures your financial security on the road.

So, stay protected — check your insurance status today and renew before it expires!

Check and manage your car insurance easily with the Square Insurance App:
https://play.google.com/store/apps/details?id=com.square.squareinsurance&hl=en_IN

Frequently Asked Questions

Q1. How can I check my car insurance status online?
You can check your car insurance status online through the VAHAN portal, your insurer’s website, or the Insurance Information Bureau (IIB) by entering your vehicle number.

Q2. Can I check car insurance status by vehicle number?
Yes. Visit the VAHAN portal (vahan.parivahan.gov.in), enter your vehicle registration number, and get your insurance company name, policy number, and expiry date instantly.

Q3. How do I know if my car insurance policy has expired?
If your policy shows an expiry date in the past or isn’t listed on the VAHAN/IIB portal, it means your insurance has expired. Renew it immediately online.

Q4. What should I do if my car insurance policy has expired?
Renew your policy right away through your insurer’s website or app. If it’s lapsed for more than 90 days, your No Claim Bonus (NCB) will be lost.

Q5. Which is the best app to check car insurance policy status?
You can easily check and renew your policy using the Square Insurance App, which offers instant access to policy details and quick renewals.