How to Find Motor Insurance Details & Insurance Policy Number by Vehicle Registration Number?

With over 50 million vehicles on Indian roads, as per Data for India, accessing motor insurance details online is no longer optional but necessary. Whether you need your insurance policy number, want to verify coverage, or check policy validity, your vehicle registration number is the key.

Platforms like the Insurance Information Bureau (IIB) and the Parivahan Sewa Portal make this process quick and convenient. Since nearly 90% of insurance policies are now digitally issued, retrieving insurance information has become simpler, faster, and more reliable. Continue reading to understand how to perform a motor insurance check online with ease.

What is a Car Registration Number?

A car registration number is a unique identifier issued by the Regional Transport Office (RTO) in a specific district. It helps identify both the car and its owner.

When you purchase a new car, you must register it with your local RTO within 30 days. Upon registration, the RTO assigns a registration number, which you need to display on the front and back of your vehicle using a number plate.

The format of a car registration number typically follows the pattern AA DD AA DDDD, where:

AA: Represents the state code where the car is registered.

DD: Denotes the district code.

AA: Indicates the RTO series for vehicle classification.

DDDD: Serves as a unique identifier for the car.

For example, in the number UP 32 GA 1988:

1. UP stands for Uttar Pradesh (the state of registration).

2. 32 refers to the district code.

3. GA signifies the ongoing RTO series.

4. 1988 is the unique identification number of the car.

While the first six characters may be identical for multiple vehicles, the last four digits are always unique to ensure distinct identification.

Also Read: How to Check Challan in Karnataka: Online or Offline?

Why Should You Check Motor Insurance Validity?

You should check the motor insurance validity because some policies have a strict policy period. Therefore, in case you fail to renew your policy within that period, you can check the validity online. Take action accordingly.

To know more about the importance of motor insurance check online, read the pointers below:

1. You will get a higher resale value. Meaning, while selling your car, you can ask for better resale value for having an active motor insurance policy.

2. Having a valid motor insurance acts as a legal safety, because driving your car without a vaid insurance may lead you to pay hefty legal fines.

3. Along with legal safety, it acts as a financial safety as well because invalid motor insurance will not give you any coverage.

4. When you renew your policy before it lapses, you will be eligible for No Claim Bonus if you have not raised any claim during the policy period.

These are some of the factors that highlight the importance of checking your motor insurance validity. If you have not renewed your plan yet, choose Bajaj General Insurance and renew your motor insurance policy now.

What are Some Various Ways to Check Motor Vehicle Insurance Status Online?

You can check the motor vehicle insurance status online through the IIB website, the mParivahan App, the Parivahan Sewa website and many more. Read through the pointers below and get a clear understanding of the various methods.

Also Read: Bangalore Traffic Fines: Rules, Penalties, and E-Challan Payments

How to Check Motor Insurance Through the IIB Website?

If you are wondering how to check the IIB vehicle insurance status? You can simply check it by visiting the official Insurance Information Bureau (IIB) website. Additionally, follow the steps below:

Step 1: Click on the ‘Know Your Insurance Policy’ tab on the homepage.

Step 2: Enter the vehicle registration number, your registered mobile number and email ID. additionally add other necessary details like the policy start date and expiry date.

Step 3: Enter the captcha code and click on the ‘Search’ button.

Once you click on the ‘Search’ button, you will be able to view the policy details like the policy number, insurer details, policy start and expiry date, and coverage benefits.

Note: The official IIB portal gets updated each month. Thus, if you have purchased a motor insurance policy recently, it will not reflect on the portal. For that reason, you can use the Parivahan Sewa portal.

How to Find Motor Insurance Details Through Bajaj General Insurance?

For motor insurance online check, you can simply visit Bajaj General Insurance’s official website, or you can use the Bajaj General app. 

Step 1: Visit the official website of Bajaj General Insurance and use the customer sign-in option

Step 2: To get access to your motor insurance, enter the registered mobile number and the OTP. 

Step 3: Go to the support section and click on E-policy copy.

Step 4: Now, enter your policy and mobile number to get another OTP and receive the details related to your motor insurance validity.

If by any chance you see that your insurance is expiring within 1 week, consider renewing your plan before it expires.  Choose Bajaj General Insurance and get your policy renewed before it lapses.

How to Find Motor Insurance Details Through the Parivahan Sewa Website?

You can find motor insurance details by simply visiting the official Parivahan Sewa website.

Step 1: Log in to the portal and navigate to the informational services tab on the top panel.

Step 2: Navigate to know your vehicle details and click on it. 

Step 3: After clicking, you will be redirected to the Vahan e-services page.

Step 4: Enter your mobile number and rightly put the captcha.

Step 5: Upon submitting, you will receive an OTP. Enter that and click on submit.

Step 6: Enter your vehicle number and the verification code shown below. 

Step 7: Click on Vahan search.

Step 8: Your car details, along with the motor insurance expiry date, will be shown here. 

With the visible information, you can understand when the last date of renewing your motor insurance.

How to Find Motor Insurance Details Through the mParivahan App?

The mParivahan App is another convenient and easy way through which you can check motor vehicle insurance status online by simply installing the mParivahan App on your mobile phone.

Step 1: Select your preferred language and then click on continue with the next process.

Step 2: You will then be redirected to a page showing 2 options to check motor insurance details. One is through the vehicle registration number, and the other is through the driving license number. 

Step 3: Click on the vehicle registration number and enter all the necessary details shown on the page

Step 4: Click on the search button and sign in with your registered mobile number.

Step 5: Upon successful signing in, you can now see the insurance validity on the mParivahan App.

Also Read: Highway Driving Rules in India: Stay Safe and Informed

How to Find Motor Insurance Details Offline?

Now that you know how to check your motor insurance online, you can follow a few steps to obtain offline details. You can also find the information in the insurance company. Additionally, you can also visit the nearest RTO office.

Moreover, the offline steps include

1. Contact your insurance company and update them with your vehicle registration number and your policy number. This will allow you to get insurance information over the phone.

2. You can visit the insurance provider in person and can ask them to help you out in terms of verifying your vehicle insurance status. 

3. Once you buy a new vehicle, it is essential to register it with the RTO. An RTO keeps a record of all the vehicles. Hence, you can contact the RTO and get an update on your motor insurance validity.

Suppose when checking motor insurance online, you are facing internet issues, or maybe you cannot understand the steps properly. This is when checking motor insurance details online comes into place. Choose one that fits best for you!

How to Find Motor Insurance Details Through the IRDAI Website?

To find motor insurance details by registration number through the IRDAI website, follow the steps below:

Step 1: Click on the ‘Motor Insurance Service’ tab on the homepage.

Step 2: Select the ‘Know Your Insurance Details’ option.

Step 3: Enter the vehicle registration number and any necessary details, such as the policy start date and expiry date.

Step 4: Enter the captcha code and click on the ‘Search’ button.

Once you click on the ‘Search’ button, you will be able to view the policy details like the policy number, insurer details, requirements for vehicle insurance claims, policy start and expiry date, and coverage benefits.

4 Things to Keep in Mind When You Check Motor Insurance Online

1. Ensure that you are giving the correct information while checking motor insurance details online. One small typo error while entering the vehicle registration number will fail to show you the details. 

2. Your vehicle registration number is linked to the RTO. Therefore, if you check your car insurance in the wrong RTO, it will show error results. Ensure that you are checking the correct state RTO.

3. When you renew or purchase motor insurance, it takes almost 2 months to be updated. Hence, if you check the policy immediately after activating your plan, you might not see it.

4. Always ensure you are checking details through government websites, not any unauthorised websites. 

Checking, purchasing and renewing motor insurance from a variable website ensures that you are protected against fraud. Choose companies like Bajaj General Insurance and get a motor insurance plan at an affordable premium price. 

Importance of Keeping Car Insurance Details Handy

Having your car insurance details readily accessible is crucial for several reasons:

1. Raising Claims

When filing a claim, your insurer will require the car insurance policy number. This is especially important if you need to lodge an FIR for third-party liability, accidents, or theft claims, as the police may also request your insurance policy details.

2. Policy Renewal

To renew your car insurance policy, you’ll need to provide vehicle insurance details, including the policy number. Additionally, this number is necessary for transferring any accumulated No Claim Bonus (NCB) to a new policy.

3. Verification During Traffic Stops

If the traffic police stop your vehicle for a routine check, they may ask to see proof of your car insurance. You can either present your insurance document or share the policy number for verification.

4. Applying for a Duplicate Policy Document

If you lose your original car insurance policy, you can request a duplicate copy using your policy number. This ensures you have continuous proof of coverage without disruptions. Keeping your car insurance information handy ensures you are prepared for any situation where these details might be required.

Also Read: Road Tax in Assam: Rates, Online Payment & Rules

Final Words

Overall, finding motor insurance details and policy numbers by using the vehicle registration number is a straightforward process that can be done online. With the centralised platforms provided by the IIB and IRDAI websites.

Along with the online services offered by insurance companies like Bajaj General Insurance, accessing policy details and making vehicle insurance claims has become a quick and convenient task.

Follow the mentioned steps for motor insurance check online and renew your insurance on time to avoid legal fines. 

Frequently Asked Questions

Can I drive a car without motor insurance?

No, you cannot drive a car without having a valid motor insurance. As per the Motor Vehicles Act 1988, all vehicle owners are required to purchase third-party motor insurance. If you choose to drive a car without motor insurance, the penalties go up to ₹2000 to ₹4000.

What is the validity period of a motor insurance policy?

Motor insurance policies in India are typically valid for 1 year. However, if you have a new car, you will require a 3-year motor insurance policy and two years for a two-wheeler.  The policy activation starts from the date of issuance and is active until the expiry date. 

Will I be fined if my motor insurance is not renewed?

Yes, you will be fined when caught if you do not renew your motor insurance on time. Additionally, you will lose the No Claim Bonus benefits and will have to pay higher premiums at the time of renewal. Hence, always renew your motor insurance on time.

Will I be charged any fees if I check motor insurance details online?

No, you will not be charged if you check motor insurance details online. Most of the government websites and insurance companies, such as Bajaj General Insurance lets you check your motor insurance check online for free.  Third-party websites may charge additional fees. 

Can insurance and vehicle owner names be different?

Ideally, your vehicle registration and car insurance should be the same.  This ensures seamless communication between the regulatory bodies. Thus, ensure that your motor insurance name is the same as the name mentioned in the vehicle registration.