How to Check Car Insurance Status in Kerala

Having valid car insurance is mandatory by law in India. As a vehicle owner in Kerala, it is important to regularly check your car insurance status to ensure continuous coverage. Thanks to digital platforms, you can now easily verify your car insurance validity online or offline through multiple channels.

This comprehensive guide will walk you through the various ways to check car insurance status specifically for vehicles registered in Kerala.

Why Check Car Insurance Status Regularly?

Here are some key reasons to check your motor insurance status frequently:

• Avoid lapses: By tracking validity, you can renew on time and avoid driving uninsured, which attracts penalties.

• Continuous coverage: There will be no gaps in your financial protection against accident claims or car damage.

• Premium discounts: Timely renewals make you eligible for No Claim Bonus discounts on own damage premiums.

• Update details: Checking policy documents allow you to verify and update policy details if required.

• Tax proof: Valid insurance is required for re-registration of vehicle and paying road tax.

• Claim settlement: Up-to-date insurance is essential for cashless garage access or reimbursement during claims.

Overall, regularly checking status ensures you and your car stay protected on Kerala’s roads.

How to Check Car Insurance Status Online

Here are some handy online options to check motor insurance validity in Kerala:

On Insurance Company’s Website

• Visit your insurer’s website and login to your account using policy details.

• Your policy status and validity period will be visible on the dashboard.

• You can also download or print your Certificate of Insurance.

On Insurance Company’s Mobile App

• Alternatively, check status on your insurer’s mobile app after installing it.

• Login with your registered mobile number and policy details.

• Your validity status will be shown on your policy e-card.

On Vahan Portal

• Visit www.vahan.nic.in and click on ‘Vehicle Insurance Status’.

• Enter your vehicle registration number and captcha code.

• Insurance status will be displayed along with policy issue and expiry dates.

On m-Parivahan App

• Download the m-Parivahan app on your phone.

• Enter your vehicle number and click ‘Search’.

• Under policy details, validity status will be shown.

On E-Challan Parivahan Sewa

• Go to echallan.parivahan.gov.in/index/accused-challan

• Search vehicle number and click on ‘Get Details’.

• Below vehicle information, insurance status and validity will be shown.

Therefore, using any online government portals or private insurance platforms, you can conveniently check motor insurance status for vehicles registered across Kerala.

How to Check Car Insurance Status Offline

You can also check your car insurance status offline by:

Visiting the RTO

• Go to the RTO where your car is registered.

• Provide registration certificate details.

• They will retrieve and show your insurance status.

Calling the Insurer

• Contact your insurance provider’s customer care number.

• Give your vehicle number or policy details.

• Their representative will provide current status after verification.

Insurance Certificate

• Check your original insurance certificate document.

• Details of commencement and expiry date will be printed.

• This shows your coverage validity period.

While online channels are most convenient, you can opt for offline verification as well through RTOs and insurers.

Documents Required to Check Status

To check motor insurance status in Kerala smoothly, keep handy any of these documents:

• Vehicle Registration Certificate (RC Book): Has your Vehicle Identification Number (VIN) which can be used to check status.

• Insurance Certificate: Shows your name, policy number, issue and expiry date.

• Policy Schedule: Contains your vehicle details along with validity details.

• Premium Receipt: Provides policy duration if insurance status is unknown.

So make sure to keep your car registration papers, insurance certificates, or policy documents ready to check status without hassle.

How to Check Insurance Status on Parivahan

Follow these steps to check motor insurance status on Kerala’s Vahan portal called Parivahan:

Step 1: Go to www.parivahan.gov.in/parivahan/

Step 2: Click on Vehicle Insurance Status under ‘Informational services’.

Step 3: Enter your vehicle registration number and captcha code.

Step 4: Click Search. Your insurance status will be displayed.

This easy process hardly takes a minute to complete online.

How to Check Insurance Status on Vahan

To check car insurance validity on Vahan portal:

Step 1: Visit www.vahan.nic.in

Step 2: Click on Vehicle Insurance Details option.

Step 3: Enter registration number and captcha code.

Step 4: Vehicle details along with validity status will be shown.

Vahan and Parivahan both use the centralized Vahan database for Kerala registered vehicles.

How to Check Insurance Status Offline in Kerala

To check motor insurance status offline for your Kerala registered car:

Step 1: Visit the respective RTO office with your RC book.

Step 2: Provide vehicle details and registration number.

Step 3: RTO representative will verify and inform current insurance status.

Step 4: Alternatively, call up your insurance provider for status confirmation.

Although online options are faster, you can opt for offline channels as well.

Importance of Checking Car Insurance Status

Here are some key reasons to regularly check motor insurance status in Kerala:

• Avoid heavy penalties and fines for lapsed or invalid insurance.

• Prevent policy rejection during claim settlement due to lack of active cover.

• Ensure you get No Claim Bonus discounts on own damage premium at renewal.

• Enable timely insurance renewals for continuous protection.

• Check for change in policy details like IDV value or nomination.

Monitoring validity ensures your car has seamless insurance coverage.

FAQs on Checking Car Insurance Status

How can I check insurance status online in Kerala?

You can check insurance validity online using Kerala’s Parivahan or m-Parivahan portal by entering your vehicle number.

Whose insurance status can I check online?

You can only check the status of your own car insurance policy using online government portals if you are the policyholder.

Can I drive without insurance in Kerala?

No, driving without valid third party insurance can attract fines up to Rs. 2000 under the Motor Vehicles Act.

How do I renew expired car insurance in Kerala?

You can renew expired motor insurance online via insurer’s website or app by paying due premium. Inform RTO about renewal.

What documents do I need to check insurance status in Kerala?

You need registration certificate details, insurance papers or policy schedule to check motor insurance status in Kerala.

Conclusion

Checking car insurance status regularly and renewing on time ensures you have seamless coverage and avoid lapses. For Kerala registered vehicles, you can easily check validity online through Parivahan website, Vahan portal or m-Parivahan app using your car’s registration number. Offline, visit the RTO or contact your insurer to verify status. Thus, with so many convenient options, there is no reason why vehicle owners should not monitor their insurance validity periodically and drive legally on Kerala’s roads.