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How can I check insurance for my car?

By Finserv MARKETS - Jul 25,2019
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check Car Insurance status

Worried about how to check your car insurance details? With the web-enabled facility provided by the, Insurance Information Bureau (IIB), tracking your car insurance details and checking your claim status is no more a hassle.

The IIB works as a data repository for Insurance Regulatory and Development Authority (IRDA) in India. One of the main function of IRDA is to collect and compile car insurance policy related data, which is then used for claims management purposes.

Role Of IRDA For Checking Car Insurance Status

IRDA has a repository of all the active car insurance policies in India. In case, your vehicle is a part of an unfortunate road accident and incurs heavy mechanical damages, getting your insurance details and filing for a claim in the ensuing chaos, could sometimes become a task. In several cases, the policyholder cannot get a hold of his insurance provider in time, which leads to significant financial losses. Moreover, because of facilities such as multi-year insurance coverage, the policy gets auto-renewed every year. As a result, the policy owner is often clueless about his/her car insurance policy status. However, at the IRDA web portal, the policyholder can instantly check his insurance status by submitting basic personal and vehicle details. This way, if the policyholder’s car does unfortunately get involved in an accident, he/she can immediately access the details of the car’s insurance policy and notify the insurance representative to expedite the claim process as soon as possible.

Is the IRDA Data Updated?

IRDA updates the car insurance data on a regular basis. As soon as you buy a car insurance online, the IRDA is issued details about the transaction from the insurance provider. Also, as and when, the policy is renewed, the data gets updated in the IRDA system.

Steps To Check Your Car Insurance Status

Step 1: To check your car insurance status, visit the IRDA website at www.irdai.gov.in.

Step 2: Enter details such as your name, E-mail ID, mobile number, vehicle registration number and details about the accident (if any)

Step 3: If the records have been properly updated by your insurance provider, the IRDA web portal will instantly recognize the above-mentioned input details

Step 4: If the records are available, the IRDA will immediately display data such as your policy number, name of the car insurer, the insurer’s contact details and office address, along with your vehicle details such as engine number, chassis number, vehicle registration number, etc.

Step 5: If no data is displayed on the IRDA website, the query page will ask you to enter the Engine or Chassis number

Step 6: In case, there is still no response on the portal, this means that the details about your car insurance are unavailable with the IRDA

Reasons for the Absence of Car Insurance Details on IRDA Website

  • Non-submission of car insurance details by your insurance provider

  • Time lag in uploading/ updating your car insurance details by your insurance provider

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Bajaj Finserv Direct Limited ("BFDL"), erstwhile Bajaj Financial Holdings Limited is a registered corporate agent of Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited under the IRDAI composite registration number CA0551 valid till 10-Apr-2021. BFDL also renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522