One of the most important and mandatory documents of a vehicle is the insurance policy. Securing your car with motor insurance avoids any unforeseen financial liabilities. The law mandates that a four-wheeler should be insured at least with third-party insurance and it should be a valid one as well. There may be situations when you may require the policy number to access the details of the coverage. While it may not be necessary to know the policy number at all times, you will have scenarios when you have to retrieve it. Read on to learn how to find the car insurance policy number.
- How to Check My Car Insurance Policy Number?
- When Do You Need Your Insurance Policy Number?
- Ways to Check Car Insurance Policy Number:
- Frequently Asked Questions:
How to Check My Car Insurance Policy Number?
There are several ways you can find your car insurance policy number. Generally, insurance companies send the policy document to your registered mailing address; however, with the advent of emails, the policy is instantly sent to your email address. There are other means through which you can find the insurance policy number. The article ventures into different reasons when you require the number and ways to find the policy number online as well as through the offline channel.
When Do You Need Your Insurance Policy Number?
There are several instances when you require the car insurance policy number. It is advisable to either have a physical copy of the policy document while driving the car or access through email or other online sources. Below are such instances when a vehicle insurance policy number is needed:
Renew/Change Insurance Plan
While renewing the car insurance plan, you may require the policy number to access the converge and renew it accordingly. Also, when you choose a new insurance company and transfer the existing insurance to the new insurer, the new insurer may ask for it.
When You Have Met With a Car Accident
After a car accident, the insurer may ask for the policy number. Also, depending upon the severity of the accident, you may have to file a First Information Report (FIR) and the police may ask for the policy number. If the accident involves a third party, you may need to exchange the insurance policy details, including the number. Each driver will use the number to raise a claim.
Most of the time when you may have to produce the policy document is when you are stopped by authorised personnel or police to check the validity of the insurance. It can be routine checks at check posts or while travelling on public roads.
Applying for Duplicate Documents
While it is easier to check or retrieve the policy document online, you may want to carry a physical copy of the document. You may need a duplicate car insurance policy while travelling long journeys, especially when you travel beyond the state where the vehicle is registered. To get the duplicate copy, you may require the policy number.
Buying a Used Car
You may be considering buying a used car which is to your liking. However, it is important to know if the car is insured and is valid. You can trace the insurance policy status online by searching through the registration number of the vehicle.
Ways to Check Car Insurance Policy Number:
Whether you have forgotten your car insurance policy number or lost the document, you can find the car insurance policy number and check if it is valid. You can also check the insurance company’s details, renewal date and other coverage details of the policy. Below are some of the ways to check car insurance policy number:
You can visit your insurance provider’s website and access your account to retrieve the details. You may need details such as the registration number of the car, registered mobile number or email address to access the policy document. With the advent of smartphones, you can download the insurer’s mobile app and access your account from anywhere. Also, you can check the inbox in your email to trace and search for the policy document which the insurance company may have sent.
You can talk to the insurance agent or visit the insurer’s branch to know more about your car insurance. The insurance branch or the agent can check and get the insurance policy number of your car. This is a traditional method of finding the policy number; however, most insurance companies are using the internet to make their products more accessible to customers and have an online presence to cater to different requirements.
The VAHAN web portal is a platform with a database of vehicle details. You can check the engine details, chassis number, owner details as well as check the status of the insurance of a particular vehicle through its registration number. While this may not provide the policy number, it is helpful especially to check the validity of the insurance in case you want to buy a used car.
Checking on Insurance Information Bureau
The Insurance Information Bureau (IIB) maintains a database of vehicle insurance in India and vehicle records in a digital format. You can log in to their web portal to access the vehicle insurance policy number. Also, if you have met with an accident and it involves a third party, you can check the status of the other party’s insurance policy. This can be retrieved through VAHAN, a web portal by the Transport Ministry where you check the validity of the insurance.
Contact Your Insurance Provider
Call your insurance company or write an email to the concerned department to get the policy details. Most insurers employ the customer service team to help with such requests. You may have to provide certain information to access your insurance and get the policy number.
Frequently Asked Questions:
Below are some of the common questions about car insurance policy details:
You can download the policy document from your email inbox or you can visit the insurance company’s website to login to your account and download the same. Also, you can install the company’s mobile app on your smartphone to access your account and download the document. You can also call their customer care to enquire about the duplicate insurance policy.
An insurance policy number is a unique number provided by your insurance company which is used to identify your account. The policy number is written on the policy document as well as bills or statements received from the insurer.
With a few details such as registration number, mobile number or email address you can trace your car insurance policy online. Follow the above-mentioned steps to check car insurance policy online.
Both are different. While the policy number is unique to your car insurance, an account number may represent several policies under the same account. For example, if you have two cars and bought the insurance from the same provider, then you may have a single account with two car insurance policies.
While you can visit the government’s VAHAN web portal to access owner details through the registration number, you can only see if the insurance is valid on the vehicle or if it has expired. However, you will not be able to view the policy number or other details pertaining to the policy.
Yes. The digital format or the soft copy stored on your phone or mobile app of the insurance provider is valid. The Centre has also approved the use of DigiLocker, which can be used to store several vehicle-related documents such as registration certificate, emission certificate as well as the insurance policy. This is valid across the country and can be produced if you have been asked by an authorised person.
It is not mandatory to know the policy number of your car insurance policy to check the status of the insurance; however, it is easier to track or retrieve your policy document with a policy number. Generally, the insurance company will need your name, contact details, date of birth, registration number, etc. to check the status of your car insurance policy.
Yes, you can produce the printed document of the soft copy in case you are asked to produce by an authorised person such as RTO officials or police personnel. You can also produce the soft copy saved on your smartphone through the DigiLocker or simply show the downloaded document on the phone. You can also produce the soft copy available on your account with the insurance company.
- How To Check Whether Your Car Insurance Policy is Genuine?
- Difference Between First-Party and Third-Party in Car Insurance
- How to Get Fancy Registration Number for Car and Bike
Read informative Car Insurance Articles at Acko.
Read all our insurance & non insurance related articles here.