Owning a four-wheeler entails a significant investment of money and time to maintain its pristine condition. However, the reality is that even the most careful drivers may encounter unexpected scratches, dents, or accidents while navigating traffic. These situations may lead to significant repair expenses, and this is where your car insurance comes to the rescue. Car insurance not only covers the cost of damage but also provides liability coverage for third-party damage caused by your vehicle. In India, as per IRDAI guidelines, purchasing a one-year (own damage cover) and a 3-year third party car insurance coverage is mandatory when purchasing a new car. However, it is essential to renew your car insurance before it expires.
List of documents required for car insurance renewal
There are several documents required for car insurance renewal to ensure a smooth and hassle-free process. The following is a list of the documents you will need.
- Identity Proof: You will need valid identity proof such as an Aadhar Card, PAN Card, or Voter Card to establish your identity.
- Proof of Residence: Documents like your ration Card, a utility bill, or registered Rent Agreement can suffice as proof of your residential address.
- Driving License: A valid driving license is crucial as it establishes your eligibility to drive the vehicle.
- Recent Passport-Size Photo: A passport-size photograph is required for documentation purposes.
- Car Registration Number: You will need to provide your car registration number as well.
- Pollution Under Control Certificate: A certificate indicating that your car complies with pollution standards and regulations.
- Car Registration Certificate: The vehicle’s registration certificate is essential for renewal.
- Car Insurance Policy Number (Existing): If you renew with the same insurance provider, the policy number from your existing insurance documents is required. If you plan to port your policy, it is still required.
- Debit/Credit Card Information for Net Banking: This information is required to facilitate online payment for the policy’s renewal premium.
Conclusion
Having clarity on the car insurance renewal documents required ensures a smooth and hassle-free renewal process. Timely car insurance renewal is essential to protect your vehicle and yourself against legal complications and financial losses in an unforeseen accident. Whether you renew your auto insurance coverage offline or online depends on your preferences. Now that you know the documents required for car insurance renewal in India ensure that you keep them handy when the renewal date approaches.
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