In today’s digital-first world, checking your vehicle insurance status online has become quick, effortless, and highly convenient. Whether you want to verify if your policy is active, confirm renewal date, or check if a used vehicle has valid insurance, online tools have made the entire process seamless.
With increasing road accidents, legal mandates, and rising penalties under the Motor Vehicles Act, keeping your vehicle insured is not just essential—it’s mandatory. If you’re unsure about your car or bike's insurance validity, this guide provides accurate, step-by-step methods to check vehicle insurance status online in India.
As an insurance expert with 15+ years of experience, I will walk you through the easiest and most reliable ways available in 2025.
Why Checking Vehicle Insurance Status Online Is Important
Knowing the real-time status of your insurance policy helps you:
- Avoid challans or legal issues
- Ensure coverage is active during accidents
- Track renewal dates
- Prevent lapses in policy
- Confirm authenticity when buying a used vehicle
A valid vehicle insurance policy is mandatory for every vehicle on Indian roads. Driving without insurance can result in hefty penalties, license suspension, or legal action.
Method 1: Check Vehicle Insurance Status on Parivahan Portal
The Government of India’s Parivahan Sewa portal is the most popular and trusted platform to check vehicle insurance details.
Steps to Check on Parivahan:
- Visit: https://parivahan.gov.in
- Go to the “Know Your Vehicle Details (VAHAN)” section.
- Enter your vehicle registration number.
- Input the captcha code.
- Click “Search Vehicle”.
Information You Will See:
- Insurance status (Active/Inactive)
- Insurance expiry date
- Policy number
- Insurance company name
- Registration details
- PUC details
This method is particularly useful for checking insurance of a used car or bike before purchase.
Method 2: Check Insurance Status via Insurance Information Bureau (IIB)
IIB is another reliable government-backed platform that collects insurance data from all insurers in India.
Steps to Check Insurance Status on IIB:
- Visit the official IIB portal
- Click on “Vehicle Insurance Status”
- Enter the following information:
- Vehicle registration number
- Engine number (optional)
- Chassis number
- Registered mobile number
- Submit details and verify via OTP
What You Can Check on IIB:
- Current policy status
- Previous policy details
- Insurance provider
- Coverage type
Note: Data may take up to 2 months to reflect after policy initiation.
Method 3: Check Insurance Status via Digilocker
DigiLocker is a government-approved digital document storage app widely used in India.
Steps to Follow:
- Open DigiLocker
- Log in using your Aadhaar/mobile number
- Search for “Vehicle Insurance Documents”
- Fetch insurance details linked to vehicle registration
This method is trusted by RTOs and traffic police, making it ideal for quick verification.
Method 4: Check Through Your Insurance Provider’s Website/App
Every insurance company provides policy status checking features online.
Steps:
- Visit the insurer’s website/app
- Navigate to “Renewal” or “Policy Status”
- Enter your policy number or vehicle registration number
- View active status, expiry date, and renewal options
This is the most accurate method because data comes directly from the insurance provider.
Method 5: Check Using M-Insurance Apps
Many insurers offer mobile apps for easy policy tracking.
Features Include:
- Insurance status
- IDV value
- Renewal reminders
- Claim status
- Payment history
How to Check Insurance Status for a Used Vehicle
Before buying a second-hand vehicle, always check:
- Insurance validity
- NCB status
- Policy type (third-party or comprehensive)
- Expiry date
Verification helps avoid transferring expired or invalid policies.
What to Do if Your Vehicle Insurance Expired?
If your policy has expired:
- You may need vehicle inspection
- Renewal cost could be higher
- No coverage during the lapse period
How to renew quickly?
- Visit insurer website
- Enter vehicle details
- Complete inspection (if required)
- Choose plan
- Make payment
Instant policy download is available after payment.
Benefits of Checking Vehicle Insurance Online
- Saves time
- 24/7 availability
- Reduces dependency on agents
- Provides instant access
- Helps avoid penalties
- Prevents fraudulent policy purchases
Expert Tips for Vehicle Insurance Status Management
· Always set reminders for renewal
· Save policy documents in DigiLocker
· Prefer annual comprehensive plans
· Review IDV value before renewal
· Compare insurers for better premiums
Conclusion
Checking your vehicle insurance status online is a quick and essential process that ensures safe and legal driving. With government portals like Parivahan, IIB, DigiLocker, and insurer websites, you can verify all details within minutes. Staying aware of your policy status helps you avoid unnecessary fines, ensures coverage during emergencies, and keeps your vehicle legally compliant.
Frequently Asked Questions (FAQs)
Q.1. How can I check my vehicle insurance status online in India?
You can check your insurance status through the Parivahan (VAHAN) portal, IIB portal, DigiLocker, or your insurer’s official website by entering your vehicle registration number.
Q.2. What is the fastest way to check vehicle insurance validity?
The quickest method is by using the VAHAN portal, where you simply enter your vehicle registration number to instantly view the insurance status.
Q.3. Can I check car insurance details without a policy number?
Yes. You can check your insurance status using only the vehicle registration number on VAHAN or IIB portals.
Q.4. Is it possible to check insurance status of a second-hand vehicle?
Absolutely. You can use the Parivahan VAHAN portal to verify the insurance details, expiry date, and insurer’s name before purchasing a used vehicle.
Q.5. What happens if my vehicle insurance has expired?
If your insurance has expired, the vehicle is uninsured, and you may face penalties or legal issues. You should renew it immediately through your insurer’s website or app.
