Check Vehicle Insurance Status Online: A Step-by-Step Process to Check Your Bike Or Car Insurance Policy

Vehicle insurance sector is one of the fastest growing segments in the country, owing to growing demand and heightened awareness about safety. Moreover, the government of India, under the Motor Vehicles Act, has made it mandatory for motor vehicles to get a third party vehicle insurance cover.

Just as the government has embraced the age of digitisation and made it easy for people to insure their vehicles online, there are also provisions to check vehicle insurance policy details and status on the internet. Read on to find out how to check the insurance status of a vehicle online.

Different Ways to Check Your Vehicle Insurance

Whether you have been part of an accident, or are filling up paperwork pertaining to your vehicle, you would want to be able to look up and check your vehicle insurance information in case you do not have your insurance details available at hand. You can easily look up your insurance details, or of another vehicle involved in an accident, through the Insurance Information Bureau (IIB) website. IIB or the Insurance Information Bureau of India, introduced by IRDAI, is a data bank that collects and stores information for the insurance sector in India.

Along with that, you also check the information of the vehicle owner and get to know the status of the vehicle’s insurance via the Vahan e-service website.

Check Vehicle Insurance Details Through Insurance Information Bureau website

To check your vehicle insurance details through the Insurance Information Bureau website, the following procedure needs to be observed:

Step 1: Visit the Insurance Information Bureau official website

Step 2: Select the ‘V Seva’ tab underneath the Quick Links section

Step 3: You will then be redirected to the Accident Vehicle Information Retrieval System page, where you will have to fill in the following details:

• Name
• Email ID
• Mobile Number
• Address
• Registration Number of the vehicle, or engine number, or chassis number
• Accident date
• Accident place

Step 4: Click on the Submit button

Once your details have been submitted, you will be able to see the insurance details of the vehicle. In case the current insurance policy details are not available, the page will display the previous policy details.

The Insurance Information Bureau has certain search guidelines in place that you must follow while looking up details on the IIB website. The guidelines state that:

• It is mandatory to enter the vehicle’s registration number. The registration number should be entered without using any special characters (Eg. DL10AT0123).
• You can only search up to 3 times for a particular mobile number or email address.
• For insurance providers, the time taken to submit the policy data to IIB can take up to two months. Hence, there may be instances where the vehicle’s insurance data may not appear due to the time lag.
• At the time of issuing the policy, insurance providers only submit the chassis and engine number for new vehicles.
• The data at IIB is only for vehicles that have been insured for the period starting from 1st April, 2010.

In case the policy details of the vehicle are not available on the IIB website, then you can also visit the concerned RTO to obtain the information.

Check Vehicle Insurance Details Through Vahan e-Services Portal

As mentioned above, you can also get to know the owner’s details and insurance information via the Vahan e-Services portal. To do so, follow the steps below:

Step 1: Visit the Vahan e-Services website

Step 2: Click on ‘Know Your Vehicle Details’ from the menu bar on top of the page

Step 3: Enter your vehicle number and the captcha code

Step 4: Click on the ‘Vahan Search’ button

You will then get to see the vehicle owner’s information, along with the insurance status and expiry date.

How to Check your Bike or Two-Wheeler Insurance Status

Check your Bike or Two-Wheeler Insurance Status Online:

Step 1: Visit the IIB official website

Step 2: Select the ‘V Seva’ tab under the Quick Links section

Step 3: You will then be redirected to the Accident Vehicle Information Retrieval System page, where you will have to fill in your details such as your name, mobile number, accident date, address, etc.

You will get to see your two-wheeler insurance policy information as soon as you submit your details. In certain cases, the previous policy details may appear before you.

Check your Bike or Two-Wheeler Insurance Status Offline:

To opt for the offline way, you can obtain the insurance status and other details by getting in touch with your insurance provider. You can also get hold of the information by visiting your concerned Regional Transport Office (RTO).

How to Check your Car Insurance Status

You can check your car insurance status the same way as you can check for your two wheelers. The data repository at IIB can help you access this information, or you can check the owner and insurance status details on the Vahan e-Services portal.

Check your Car Insurance Status Online:

Step 1: Visit the IIB official website

Step 2: Select the ‘V Seva’ tab under the Quick Links section

Step 3: You will then be redirected to the Accident Vehicle Information Retrieval System page, where you will have to fill in your details such as your name, mobile number, accident date, address, etc.

An important point to remember is that the insurance details of cars that have their policies beginning from 1st April 2010 would only be available.

Check your Car Insurance Status Offline:

In case you are unable to see the car insurance status online, you can always get in touch with your insurance provider and get the insurance information by providing the car’s registration number. Moreover, the RTO under which the car has been registered will also be able to help you get the insurance status.