How to Check Third-Party Car Insurance?

To verify third-party auto insurance, you need to understand the basics. Under the Motor Vehicles Act of 1988, the law requires all vehicle owners to have third-party insurance. This type of insurance covers responsibilities that may arise if your vehicle causes harm or damage to others in an accident.

Third-party car insurance is essential for protecting the policyholder from being held responsible for any harm caused to people’s property or injuries sustained by parties in a covered vehicle accident. This type of insurance does not cover injuries to the policyholder or any damages related to their vehicle. Third-party insurance aims to safeguard drivers and their belongings from financial losses after an accident. If you opt for third-party insurance, it will not provide coverage for damages to the vehicle belonging to the purchaser of insurance or its owner.

Also Read: How to Claim Insurance For Car Dent?

The significance of verifying third party insurance.

It is required by the car owner to maintain updated third-party liability insurance for the car. Driving a vehicle without motor insurance is illegal. It is crucial to be informed about your car insurance status. According to the Motor Vehicles Act, every vehicle must have a third-party liability insurance policy. Checking your car insurance status in today’s age is simple, convenient and fast.

Also, to follow the law, you must renew your insurance on time. Ignoring this could result in hefty fines and possibly legal repercussions if you are found to be driving without insurance. A few weeks before your policy expires, renew your car insurance to protect yourself from any problems. Checking your insurance status regularly is the only option to ensure you’re covered and compliant.

Checking the status of insurance is important for the reasons listed below:

• You can ensure you have renewed your policy on time by checking your car insurance status online.
• If your car insurance isn’t up to date, you can avoid paying penalties or traffic fines.

• You can guarantee that you receive ongoing protection from third parties and financial obligations resulting from collisions and auto damage.

Different methods to check the status of third-party car insurance.

The Parivahan Sewa/Vahan portal, the IIB portal, the mParivahan app, and the insurer’s website are just a few of the places you can check the validity of your car insurance online. These are specific instructions on how to use these websites and platforms to check the status of your car insurance online:

Using the Parivahan Sewa website: You can use the Parivahan website to verify the status of your third-party car insurance. To check the status, follow these instructions:

• Go to the website of Parivahan.
• Here you will find the option of “Informational Services” in the menu. Under the Informational Services choose “Know Your Vehicle Details.”.
• Using your mobile number, create an account on the VAHAN portal, or log in if you already have an account.
• Click “Search Vehicle” after entering the vehicle’s registration number and verification code.
• The vehicle information and insurance information will be visible to you.

Using the VAHAN portal:

Using the VAHAN portal, you can electronically verify the status of your car insurance. The steps to accomplish the same are as follows:

• Go to the VAHAN website.
• Enter your phone number to log in.
• Press the “Search Vehicle” button after entering the vehicle’s registration number and unique code.
• The details of the car, including information about the validity of the insurance, are displayed on the next page.

Using the mParivahan Mobile App: The mParivahan smartphone app allows you to verify the status of your car insurance. Here’s how to do the same:

• First, you need to install the mParivahan app on your mobile phone. 
• Use your mobile number to create an account, then login with your credentials.
• Choose the language of your choice.
• In the car search box, type the vehicle’s registration number and press the search button.
• The car’s information and the validity of its insurance will be shown on the following page.

Using the IIB portal: You can check the status of your car insurance policy in India by using this portal of the Insurance Information Bureau. The procedures to verify the status of your car insurance online are listed below:

• Make sure you have all the necessary information, including your name, the accident’s location (if known), its date, your email address, your mobile number, your car’s registration number, and its address.
• Register on the IIB website and fill out all the essential fields with the necessary data.
• If you cannot obtain the insurance data with the vehicle registration number, you can search using information like the car engine number or chassis number.

Checking online status at the RTO: The methods to check the status of your car insurance online on the official RTO website are as follows:

• Firstly, you should visit the RTO’s official website.
• Pick ‘Services Associated with Vehicles’.
• Choose your RTO and press the “Know Your Vehicle Details” button.
• Enter the engine, chassis, and registration numbers for the car.

• Here, you will see a captcha code that should be entered. Then click “Verify Details”.

 Checking the status of car insurance offline: You can obtain the information by contacting the relevant RTO or the insurer if you would prefer not to verify the status of your auto insurance online. They’ll have the information available. These are the methods for checking the status of auto insurance offline.

 To obtain the insurance data, call your insurance provider and provide them with your policy or vehicle registration number. You can also obtain the specifics of the insurance by visiting the insurer’s office.

Final Words.

It would help if you renewed your car insurance on time to prevent any issues down the road, so keeping an eye on its status online is necessary. In India, the owner must have at least a third-party policy to drive a car anywhere in the nation. It is preferable to have comprehensive insurance coverage because it covers both personal damages and third-party liability. Still, there are many instances in which the Internet has simplified life. Insurance companies have improved their online presence over time to serve their clients better.