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Car Inspection For Insurance

When you purchase a car insurance policy, the insurance provider may occasionally mandate an inspection of the vehicle before granting the policy. The benefits listed under the plan are only made available once the car inspection is successfully completed. 

 

Car inspection is mandatory in cases where a significant amount of time has passed between the date of expiry and the date of renewal of the insurance policy. Also, inspections are only done if you opt for a comprehensive insurance plan. In the case of a third-party car insurance plan, there are no such inspections done.  

What Is Car Inspection? 

Car inspection is a standard process, where a surveyor or a professional thoroughly examines your car to determine its current condition. The findings are then submitted to the insurance provider, who then grants you an insurance policy on the basis of this data. 

 

So, even if you purchase a car insurance plan that requires an inspection of your vehicle, the benefits listed under it will not be active until the surveyor submits his findings to the insurance company. 

 

Now, inspection of a car is done by an insurance provider for two reasons. Firstly, to ensure that the car physically exists and secondly, to take stock of pre-existing damages so that claims related to them are not processed. 

 

Insurance providers may mandate a car inspection under certain instances. Here’s a quick look at what they are. 

 

  • When there has been a gap between the date of expiry and the date of renewal of the insurance policy. 

  • When you switch from a third-party car insurance policy to a comprehensive car insurance policy. 

  • When the car insurance policy has been transferred from one person to another on account of the sale of the vehicle. 

  • When you wish to extend insurance coverage to accessories fitted to your car such as a CNG conversion kit or an anti-theft device. 

  • When your vehicle has been damaged due to an accident or due to other insured events. 

What Are the Methods of Car Inspection?

There are two different methods of car inspection that insurance providers typically carry out - pre-policy inspections and pre-claim inspections. Here’s a more detailed overview of these two methods. 

 

  • Pre-Policy Inspections 

Car inspections that are carried out before the issuance of insurance policies are termed as pre-policy inspections. Usually, such inspections are carried out when you purchase an insurance policy after it has lapsed or when you seek insurance coverage for certain accessories fitted to your car. Pre-policy inspections primarily focus on ascertaining the physical condition of the car and a few critical functions such as the brakes and suspension. 

 

  • Pre-Claim Inspections

Car inspections that are carried out when you lodge an insurance claim are termed as pre-claim inspections. Such inspections are done to authenticate the veracity of the claim and to draw up an estimate of the amount that would cost to repair the damages to the vehicle. Here, the surveying professional thoroughly checks your car both physically and mechanically to determine the extent of damages caused to it. 

What Are the Conditions Under Which a Car Inspection Is Not Necessary?

There are certain instances where insurance providers don’t require any car inspections before granting you the policy. As a policyholder, it is important for you to get to know what they are. So, let’s take a quick look at the instances where an inspection of a car isn’t needed. 

 

  • Third-Party Liability Policies

When you purchase only a third-party liability car insurance policy, insurance providers don’t conduct any car inspections. This is due to the fact that such policies don’t cover any damages to the insured car and are designed to provide coverage only to liabilities arising from third-parties. 

 

  • Timely Policy Renewal 

When there’s no gap between the date of expiry of a policy and its subsequent renewal, your car won’t have to go through any inspections. This is one of the many reasons why it is important to renew your policy on time. 

Types of car insurance

There are two major types of car insurance – third party liability car insurance and comprehensive car insurance. 

 

Third party liability car insurance is designed to cover damages that third-parties sustain during an accident involving your vehicle. For instance, if your car ends up causing an injury to a third-party and damages their vehicle in the process, the cost of treatment of their injuries and vehicle repairs will be covered by the plan. However, such plans will not cover the damage to your vehicle or any kind of injuries that you might sustain during the accident. 

 

A comprehensive car insurance plan, on the other hand, provides coverage for a host of incidents, in addition to third-party liabilities. It covers personal injuries and damages to your car due to an accident. That’s not all. It also covers damages to the vehicle  due to natural and man-made calamities like floods, fire, explosions, riots, and more. 

Conclusion

If you’ve recently purchased a new four-wheeler, insurance providers may mandate a car inspection before issuing a car insurance policy. However, once the initial inspection is done, you won’t have to deal with it again unless you file an insurance claim or let the policy lapse. So, if you’re keen on avoiding car inspections, make sure to renew your policy on time before its expiry. 

FAQs on Car Inspection While Buying Car Insurance

  • ✔️Is car inspection mandatory?

    A car inspection is only mandatory under certain specific situations. Here’s a quick look at what they are. 

    • When there has been a gap between the date of expiry and the date of renewal of the insurance policy. 

    • When you switch from a third-party car insurance policy to a comprehensive car insurance policy. 

    • When the car insurance policy has been transferred from one person to another on account of the sale of the vehicle. 

    • When you wish to extend insurance coverage to accessories fitted to your car such as a CNG conversion kit or an anti-theft device. 

    • When your vehicle has been damaged due to an accident or due to other insured events.

  • ✔️Where is the car inspection done?

    Fortunately, car inspections are usually done at the place where the vehicle is currently situated. This means that you don’t have to take your vehicle anywhere, instead a surveyor will visit you to conduct an examination of the car. 

     

  • ✔️Can I raise a claim before my car is inspected?

    No. Even if you end up purchasing a car insurance plan, its benefits won’t be active until a thorough car inspection is done by the insurance company.

  • ✔️Is car inspection only done before the purchase of an insurance policy?

    No. Car inspections are done during the pre-claim stage as well. When you lodge an insurance claim for compensation for damages caused to your vehicle due to an insured incident, a thorough inspection is conducted on your car to ascertain the damages before processing the claim.

  • ✔️How can I avoid car inspection?

    You can avoid a car inspection by ensuring that your policy remains active at all times. One way to do it is by renewing your policy on time before its expiry.