CarArth

How to Check Car Insurance Before Buying a Used Car

<h2>Why You Must Verify Car Insurance</h2> <p>A valid insurance policy is a legal requirement for transferring vehicle ownership (RC transfer) in India. Furthermore, reviewing the insurance history ca

Why You Must Verify Car Insurance

A valid insurance policy is a legal requirement for transferring vehicle ownership (RC transfer) in India. Furthermore, reviewing the insurance history can reveal past accident claims that the seller might be hiding.

Steps to Check Car Insurance Status Online

  1. Use Parivahan Sewa (mParivahan App): Enter the vehicle registration number on the mParivahan app or website to view basic insurance validity and provider details.
  2. Check the IIB Portal: The Insurance Information Bureau (IIB) of India maintains records of all vehicle insurance policies. You can search using the registration number or chassis number.
  3. Contact the Insurer directly: If you have the policy number, call the insurance provider's toll-free number to verify if the policy is active and check for past claims (No Claim Bonus status).

What to Look For

  • Comprehensive vs. Third-Party: Comprehensive offers better protection.
  • No Claim Bonus (NCB): If NCB is 0%, it usually indicates a recent claim was made (possible accident).
  • Validity: Ensure the policy doesn't expire before the RC transfer process is completed.