Documents Required for Online Car Insurance Renewal

Imagine how people would have to take a day off to go to the insurance office for their car insurance renewal before the internet was a thing. Now, with just a few clicks, you can complete your car insurance online renewal in a jiffy.

Just sit down with a few documents, including ID proof, driving licence, and previous insurance policy details. And in just a few minutes, you can continue to stay legally compliant and protect your car financially.

Let us explore the complete list of documents you will need for renewing car insurance online.

What Documents Do You Need to Renew Car Insurance Online?

Commonly, you will need the following documents for your car insurance online renewal:

1. Recent photograph
2. Vehicle registration certificate (RC)
3. Government-issued personal identification document, such as an Aadhaar card or a PAN Card
4. Official address proof, such as a passport or a bank passbook
5. NCB document
6. Pollution test certificate/PUC certificate
7. Driving licence
8. Current insurance policy
9. Document for online banking, such as a debit or credit card

*Insurers can also request some other documents as per your policy or their need.

Steps to Renew Car Insurance Online

For your car insurance online renewal, you can follow the steps below; they might slightly differ from insurer to insurer.

• Step 1: Open your insurer’s app or website on your device and sign in to your account.
• Step 2: Fill in your existing policy information to fetch your current plan.
• Step 3: Go through your coverage and make changes if you need better protection.
• Step 4: Look for any special renewal discounts or offers available to you.
• Step 5: Add useful riders or remove the ones you no longer require.
• Step 6: Double-check all details carefully before moving ahead.
• Step 7: Pay the renewal premium securely using your preferred online method.
• Step 8: Get instant confirmation and your renewed policy right in your inbox.

5 Benefits of Renewing Car Insurance

You can enjoy several benefits with car insurance online renewal. Below is a list of 5 of those benefits:

1. Plan Customisation: You get an opportunity to customise your car insurance plan while renewing. You can opt on or out of add-ons that might suit you.
2. NCB Retention: You can also retain your No Claim Bonus (NCB) when you renew your insurance. If your policy expires, you can lose all of the accumulated discounts through NCB.
3. Save Time: If you renew your car insurance policy online, you can save a lot of time. Otherwise, insurance renewal can occupy your full day if done offline.
4. Legal Compliance: By renewing your third party car insurance online, you continue to legally comply with the Indian mandate for insurance under the Motor Vehicles Act 1988.
5. Extended Perks: Some insurers also provide you with extra benefits if you are their long-term customer. So, when you renew your insurance with them, they can give you additional discounts.

6 Tips to Save Money While Renewing Your Car Insurance Online

Below is a list of 6 tips that can save you a lot while car insurance online renewal:

• Renew Within the Timeframe

You should set reminders to renew your car’s insurance on time. This will help you renew the insurance before it lapses and save your NCB.

• Review Your Add-ons

You can also review your add-ons when you renew your car insurance. This way, you can lose the unnecessary add-ons and save on your premium. For instance, if you took the Engine Protect add-on for the rainy season, you might not need it after the season has ended.

• Avoid Car Modifications

You should avoid modifying your car at any cost. Enhancing its features or appearance can increase the premium for your car.

• Use Your NCB

Always use your NCB to get a discount on your car insurance online renewal. With your NCB, you can get up to a 50% discount on your own damage part of your insurance premium which can save you a lot.

• Install Anti-theft Devices

You should inform your insurer and install anti-theft devices in your car. This can significantly reduce your premium when renewing the insurance.

• Opt for High Voluntary Deductibles

When you opt for slightly higher voluntary deductibles, your car insurance premiums decrease. This way, you can save money while renewing your car insurance.

Bottom Line

You will generally need your identity proof, current policy details, car’s RC, and driving licence for car insurance online renewal. Renewing your car insurance online can also save a lot of time. So, set a reminder and never forget to renew your car’s insurance for its financial protection as well as your legal compliance.