Maintaining active third-party liability insurance for your car is a legal mandate. Thus, renewing your insurance on time is crucial to comply with the law. Ignoring this responsibility might lead to significant fines and even legal consequences if you're caught driving uninsured. To safeguard yourself from potential trouble, make it a priority to renew your car insurance a few weeks ahead of its expiration date. Regularly checking your insurance status is the only foolproof method to ensure you're compliant and adequately protected. We will look into the various methods on how to check third-party insurance.
What is third party insurance for car?
The Motors Vehicle Act 1988 states that all vehicle owners must purchase third-party car insurance. This policy provides vehicle owners coverage against any liabilities arising from injuries caused to others or damages to their properties due to an accident involving the insured car. It covers the insured’s responsibility to compensate for bodily injury, death, or property damage caused to others. Third-party car insurance does not cover damages to the owner or the insured vehicle.
Methods for verifying your third-party insurance
The following are some of the popular methods on how to check 3rd party insurance.
To check your car insurance details, you have several convenient options available: the mParivahan app, the VAHAN web portal, and the official Regional Transport Office (RTO) website. These resources offer the tools you will need to verify your car insurance's validity and expiry date.
The mParivahan app is designed by The Ministry of Transport,and grants easy access to your vehicle documents. To check your insurance information on the mParivahan app,
- Install the mParivahan app on your smartphone.
- Choose your preferred language and tap 'Continue.'
- Access the dashboard where you'll find two options to check insurance status: by car registration number or Driving License number.
- Enter the required details and tap 'Search.'
- Sign in using your registered mobile number.
- Once logged in, you can confirm your car insurance's validity.
Alternatively, explore the VAHAN web portal for another approach to check your insurance status. Follow these simple steps on how to check third party car insurance on this portal.
- Visit the VAHAN e-services portal.
- Navigate to 'Know your vehicle details' on the homepage.
- Login with your mobile number or create a new account.
- Enter your car's registration number and the captcha.
- Click 'Search Vehicle' to access all details, including your car insurance information.
For a simpler method, consider the Regional Transport Office (RTO) website. Take a look at the steps on how to check third party car insurance on this portal.
- Visit the RTO website.
- Access 'Online services' for citizens from the menu bar.
- Choose 'related online services.'
- Click on 'Vahan citizen services.'
- Select the specific RTO where your vehicle is registered.
- Choose 'Status' and then 'Know your vehicle details' from the menu.
- Provide your car's registration number, chassis number, and engine number.
- Complete the captcha and submit the information.
- Retrieve your Parivahan vehicle details, including your car insurance policy's expiry date.
By utilising these user-friendly options, through mobile apps, web portals, or official government websites, you can efficiently track and validate your car insurance's status. This ensures your compliance with legal obligations and provides adequate protection on the road.
Why is it important to know your car insurance status?
In today’s digital age, checking your vehicle's insurance status is simple and convenient through RTO. Here’s why it’s important to check your insurance status regularly:
- It helps ensure your policy is renewed on time.
- It provides continuous coverage against third-party liabilities and financial risks in case of accidents or damage caused to others.
- It ensures you don’t have to pay fines for driving without valid third-party insurance.
Does 3rd party insurance cover theft?
Third-party insurance covers damage caused by the insured vehicle to another person or vehicle up to the policy limit. Theft is usually not covered under this type of policy. For coverage against theft, you must purchase comprehensive insurance.
Conclusion
Regularly checking your third-party car insurance status is essential. You can easily verify your policy expiry date using convenient tools. This helps ensure you are always protected against third-party liabilities in accidents.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.