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How to check insurance validity?

Submitted by admin on November 13th, 2024

Insurance is perhaps one of the main safeguards against the unexpected-whether it is your vehicle, health, or life. Checking current insurance status is important as this would not complicate the process when filing a claim. But how does one check the validity of insurance coverage? Here, in this guide, we will help you understand simple yet effective ways to check the status of your insurance policy and keep yourself well-informed and protected.

Check Your Insurance Policy Document

The first and simplest way is to check the insurance policy document. It contains all the information about the policy number, the date it starts and ends, and the amount you are insured for. Check the expiry date on the document to see if it is valid.

Portal of the Insurance Company Website

All the insurance companies have their website providing this service to their clients where they can access and view their policy status. And here is how you can do it:

No Sir, Not like that

• Firstly go to the official website of the insurance company from which you have insured.
• Enter your account details using your username and password, or else sign up for your account if you have not done so.
• Click on the ‘Policy Details’ or ‘My Policies’ to view the validity.

3. Mobile App by Your Insurance Company

Many insurance companies offer mobile apps for you to access your policy documents conveniently.

Download the app and log in to check the status of the policy and the date of renewal.

4. Verification through Government Portals (India)

For car insurance: on VAHAN portal:

• Open VAHAN.
• Enter your vehicle’s registration number and all the other details.
• There will be a section called ‘Insurance Validity.’.
• For health and life insurance, you can get the same on the IRDAI portal or the insurer’s website.

5. SMS or Customer Support

Some insurance companies allow customers to obtain the status of their policy through SMS:

• Dial and send an SMS with your policy number to a designated number of the insurance company.
• OR call up the customer support helpline of your insurance company and give your policy number to the representative to confirm.

6. IIB Portal India

The Insurance Information Bureau of India has a database for motor insurance:

• Go to the website of IIB
• Fill in the form which will ask some details like vehicle number and email
• If the insurance has been done it will show you on the portal

7. Check Physical Renewal Notices

Reinsurance companies normally send reminder notices of renewal through email, SMS, or letters to the policyholders before they lapse. Renewal reminder indicates the period over which the policy is valid.

Conclusion

Only by keeping track of the validity of your insurance policy can you ensure that it is always available and that you can have peace of mind. Using online portals, governmental portals, mobile apps, or direct call support will ensure that you are not caught off guard by any untimely news. Regular verifications about the policy would help ensure that the person always stands prepared to face the never-ending surprises without having the coverage fall due to lapse.