The Motor Vehicles Act of 1988 made third-party liability motor insurance mandatory in India. Most individuals keep a hard copy of their insurance plan in their vehicles and then forget about it. You might need your car insurance policy number when you don’t have access to your four-wheeler. At these times, you can use your car’s registration number to find your policy details online.
What Is My Car Registration Number?
The Regional Transport Office (RTO) provides a unique ten-digit alphanumeric registration number for every new vehicle. The first two digits reflect the state where your car is registered. For example, MH stands for Maharashtra. The following two digits reflect the district code. So, MH 01 means Mumbai, MH 04 refers to Thane, and MH 12 refers to Pune. The remaining six digits include two alphabets and a four-digit numeric code. A car in Mumbai might have the registration number MH 01 AA 1234. You must provide your vehicle's registration number while purchasing a car insurance policy.
What’s the Importance of My Insurance Policy Number?
There are a few situations when you require to have your car policy number, including:
Filing a Claim
When you want to file a claim against your insurance plan, your must provide your policy number. You might have to give the police the number while registering an FIR after an accident.
Renewing the Policy
You must provide the policy number during car insurance renewal online after expiry. The insurance company will use the number to check your claim history and offer a No Claim Bonus (NCB).
Verifying Car Details
If a traffic cop stops you to check your paperwork, you can hand over a hard copy of your policy or give the policy number. The police can use the number to verify and check insurance status online.
Applying for Duplicate Policy Documents
If you lose your policy documents, you must request your insurance company for another set. You can provide your insurance company with the policy number, and they can share the requisite documents.
How to Check Insurance of Vehicle Online
You can find insurance policy number by vehicle number online. You can use one of the following methods to check your policy number with the help of your car’s registration number:
Method 1: Online Via IIB
The Insurance Regulatory and Development Authority of India (IRDAI) created the Insurance Information Bureau (IIB), a data depository. You can visit the IIB website and select the V-Seva option under Quick Links. You get redirected to the Accident Vehicle Information Retrieval System. You must fill out the form that appears and provide your name and address. Next, you must enter your car’s registration number and your registered e-mail ID and phone number. Once you click on Submit, you will receive all the information about your vehicle, including the policy number.
Method 2: Online Via VAHAN
The VAHAN portal, run by the Ministry of Road Transport and Highways, has information on all motor insurance policies. You can visit the VAHAN e-services webpage and select the Know Your Vehicle Details option. Enter your mobile number to log into an existing account or create a new one. Once you enter the car’s registration number and the verification code, you can click on Search Vehicle. You will then see all the details of your policy and can even check validity of car insurance online.
Method 3: Online Via the Insurance Company’s Website
The easiest way to track car insurance details online is by visiting your insurance company’s website. Once you input your car registration number and verify your identity, you can see all your policy details.
Your policy number is crucial and can help you in multiple scenarios. You can find the number online in a matter of minutes. If your policy has expired, you can quickly renew the plan online on the insurance company’s website. Find your insurance details and renew your policy online on the Edelweiss General Insurance website today.
