Updated on - 09 Feb 2026
Car insurance claim history is an official record of all claims filed under a motor insurance policy during its tenure. It shows details such as the date of claim, nature of damage, whether the claim was approved or rejected and the settlement amount. In India, this record is crucial for insurers when calculating risk and fixing premiums, as frequent claims can increase costs. For policyholders, checking claim history helps track past claims, identify claim rejections or approvals and ensure transparency in their insurance usage.
Steps to check car insurance claim history in India
You can check your car insurance claim history using different platforms such as your insurer’s official website and the IIB V-Seva portal. Here’s how:
1. Insurance Information Bureau (IIB) – V-Seva portal
- Visit the IIB V-Seva portal and select the V SEVA option.
- Fill out the page with your vehicle registration number, mobile number, and other required details.
- Click submit to access information about past claims and accidents associated with the vehicle.
Note that the database may take up to two months to update, so recent claims may not appear immediately.
2. Insurer’s official website
- Log in to your insurance provider’s portal using your policy credentials.
- Go to the claim history or policy details section.
- You can view all past claims linked to your policy and download any reports if required.
Importance of checking car insurance claim history
Monitoring your claim history is essential for the following reasons:
- Ensuring accuracy: Mistakes in claim data can increase your premium unfairly. Regular checks help correct such errors.
- Supporting vehicle sales: Buyers often request a clean claim history. Providing this boosts trust during resale.
- Fraud prevention: Duplicate or unauthorised claims against your policy can be detected early.
How to check car insurance claim history via mobile apps?
Mobile apps offered by insurers and authorised insurance aggregators have made it easier than ever to access your car insurance claim history. Policyholders can log in using their registered mobile number or policy ID to check past claims, see settlement amounts and obtain claim letters.
How much does it cost to check your claim history?
Policyholders can view their past claims through official portals or their insurer’s website without any additional charges. With this service, you can get transparency and help to make informed decisions when renewing or switching policies.
Things to keep in mind before checking claim history
Before accessing your claim history, consider these critical points to ensure accuracy and security:
- Use only trusted sources: Always access claim history via the insurer’s official app or website, IIB or IRDAI-linked platforms. Avoid unverified third-party websites that request sensitive information.
- Keep essential details ready: You may need your policy number, vehicle registration number and registered mobile number to log in or verify identity.
- Check for accuracy: Discrepancies in claim records, such as incorrect dates or claim amounts, should be reported immediately to the insurer to prevent premium errors.
- Verify NCB status: Always cross-check that your No Claim Bonus matches the recorded claim history to avoid losing legitimate benefits.
How does claim history affect your premium?
Claim history plays a direct role in determining the premium for your car insurance. A clean history helps retain or build No Claim Bonus, which can reduce premiums by up to 50 percent over time. On the other hand, even a single claim can reset the NCB to zero. Insurers also assess claim frequency to determine your risk profile; multiple claims within a short period can result in premium loading. A transparent claim record becomes especially important when changing insurers or transferring a policy during vehicle resale, since the new insurer will evaluate this history before setting the premium.
Conclusion
Claim history in car insurance is not just an administrative record but a factor that shapes your insurance costs, benefits and credibility as a policyholder. With resources such as insurer portals and IIB, checking claim history is simple, quick and often free. Regularly reviewing these records safeguards your financial interests, protects your NCB and prevents errors or fraud.
If you are looking for an ideal car insurance policy, fill out the form on this page to get personalised advice on choosing the right plan.
FAQs
1. Can I check the claim history of a second-hand car before purchase?
Yes, you can use the IIB database or request claim records from the current insurer.
2. Does claim history transfer when I change my insurance company?
Yes, all past claims remain linked to your name and vehicle even after switching insurers.
3. Can I correct mistakes in my claim history?
Yes, errors can be rectified by contacting your insurer and providing relevant documents like policy copies or claim settlement letters.
4. How far back does claim history usually go?
Most insurers and regulatory platforms maintain at least five years of claim history.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.