How to Renew Vehicle Insurance Online 2026

About This Guide

Vehicle insurance mandatory by law. Two types: Third-Party (TP) - mandatory by Motor Vehicles Act, ~₹2,000-3,500. Comprehensive (Pkg) - TP + Own Damage cover, ₹4,000-25,000. Renew online via insurer portal or aggregator. Save 30-50% by switching insurers.

Eligibility Criteria

• Vehicle owner
• Valid RC
• Old policy details (NCB transfer)
• Vehicle inspection if expired > 90 days
• Aadhaar/PAN

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• Vehicle RC
• Old policy (for NCB)
• Aadhaar of owner
• PAN
• Driver's license
• Vehicle photos (if expired > 90 days)

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• Mandatory legal compliance
• Save 30-50% by comparing
• Instant online policy
• NCB transfer 20-50%
• Add-ons for comprehensive cover
• Cashless garages 5000+
• RSA roadside assistance
• Tax benefit (none for personal vehicle)

What Happens After Application?

Instant policy. Save digital copy. Use for traffic stops (mParivahan). Renew before expiry to keep NCB. Lapsed > 90 days = vehicle inspection.

Frequently Asked Questions

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