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Renewing expired car insurance is crucial to avoid lapses in coverage and protecting yourself from potential financial liabilities.
With the mandate of long-term third-party car insurance coverage under the Motor Vehicles Act, you can avail yourself of the necessary financial coverage for third-party liabilities. However, with comprehensive coverage from Reliance General Insurance, you gain additional protection against damages to your own vehicle.
With a wide range of add-ons, a seamless claim process, 10,000+ cashless garages, a user-friendly platform and more, we ensure peace of mind and convenience. Yet, it is important to understand the impact of policy expiration.
But what happens when your policy expires and your car meets with an accident? What are the repercussions of completing a car insurance renewal after expiry? Let’s find out.
Expired car insurance refers to a situation where your car insurance policy is no longer valid. In such situations, you end up with hefty out-of-pocket expenses in case of accidents and other unforeseen circumstances.
Driving around with expired car insurance is a punishable offence and can attract hefty fines and other legal consequences, such as imprisonment, licence suspension, and so on.
Moreover, completing car insurance renewal after expiry, whether online or offline, can be a longer process and require additional premium costs. Thus, it is crucial to complete expired car insurance renewal online or offline as soon as possible to avoid losing your vehicle’s financial safety net and incurring hefty fines and repair expenses.
Driving with car insurance after expiry offers no coverage to you or your vehicle. This means all damages or losses incurred by your vehicle during this period will have to be paid by you. This may also include legal fees, repair expenses, and medical costs, if any.
Most insurers offer the convenience of a No Claim Bonus with their comprehensive and own-damage car insurance policies. However, if you fail to renew your car insurance policy in time, you might lose your No Claim Bonus discount at the time of policy renewal, leading to higher premiums.
Driving with a car insurance policy after expiry is a punishable offence in India and can result in severe monetary and legal repercussions. The fine for driving without valid car insurance in India ranges from ₹2,000 to ₹4,000, as it varies from state to state. In addition to this, you can also face imprisonment for up to three months and, in rare cases, licence suspension.
Motor insurance after renewal can be a time-consuming and complex procedure. You may be required to present additional documents, send your vehicle for inspection, and pay a higher premium. Moreover, you might also be required to justify the delay in policy renewal.
Failure to renew your car insurance expired policy on time can reflect poorly on your driving behaviour for being irresponsible. This can result in higher premiums for you at the time of policy renewal.
If you fail to renew your car insurance before expiry, an inspection is often required, which may lead to delay in coverage and increased premiums.
Various online portals/tools are available to update you on your car insurance expiry date with just a few clicks.
Let’s look at the step-by-step process for each of these options below.
Completing your car insurance renewal before expiry offers a range of benefits, and they are as follows:
Parameter
Offline Renewal
Online Renewal
Speed of the Process
This process can take longer due to physical appointments and long queues.
This process is quicker as it requires minimal effort and time and can be done from anywhere.
Convenience
This process can be a little less convenient due to the need for physical appointments.
This process is more convenient, as it can be done with just a few clicks from anywhere in the world.
Customer Support
You might be able to get in touch with the agents in person during your physical appointment.
Some insurers offer 24/7 customer support for instant query resolution.
Need for Documentation
You might require additional documentation at the time of renewal.
It requires zero or minimal physical documentation to complete the expired policy renewal.
Discounts
Depends from insurer to insurer. However, online renewals usually offer better discounts due to lower administrative costs and streamlined processes.
Transparency
Low transparency as agents and other intermediaries are involved.
Complete transparency in all costs involved with your policy renewal process.
Self-Inspection
Mostly not available, as the car inspection is done by authorised garages only.
Available with some insurers, such as Reliance General Insurance, for a faster renewal.
Comparison Flexibility
Low flexibility to compare plans with an increased risk of agent bias.
High flexibility of easy policy comparison before renewal to make informed decisions for your car insurance.
Alternatively, you can either call us at +91 22-4890-3009 or use your to renew your expired car insurance policy.
You can definitely choose a different insurer to renew expired motor insurance. The reasons for renewal can vary from person to person.
Some of the top reasons why vehicle owners renew their car insurance policy with a different insurer include:
Each add-on impacts the premium and increases its value, and thus, based on your coverage needs, you must assess which add-ons are beneficial for your vehicle and remove the rest.
The next tip to reduce your car insurance premium at the time of expired policy renewal is by increasing your deductible value. Deductibles refer to the out-of-pocket expenses you need to cover in case of a damage or loss claim before the insurance coverage kicks in. A higher deductible lowers your insurance premium, and vice versa.
You can also install different anti-theft devices on your vehicle to increase its security and performance. This will not only reduce the risk of theft and vandalism but also help you reduce your insurance policy premium due to the car's decreased risk profile.
Between the offline and online renewal processes, the requirement for physical appointments and intermediaries is necessary only for the offline process, which can incur a higher premium due to administrative costs. However, when you opt for an online process, there are no hidden costs or middlemen involved, reducing the overall premium value.
Reliance General Insurance offers a discount on long-term car insurance policies. To reduce your premium, you can explore long-term or bundled car insurance policies for extensive coverage at better rates.
You have the convenience of switching your car insurance provider if required. Thus, you must compare different plans from various insurers to assess which plan offers the necessary coverage at a lower premium.
For maximum convenience for policyholders, you can now avail of the self-inspection facility available with our car insurance policies. We at Reliance General Insurance understand the requirement for quick and streamlined renewal processes.
Our is designed to offer instant solutions for all your policy renewal needs. Here is how you can use the app.
Generally, your vehicle will need an inspection if you’re renewing an expired car insurance. At Reliance General Insurance, you can do a quick self inspection through our Self-i App, speeding up this process.
The standard types of car insurance policies available in India include third-party, own-damage and comprehensive policies. A third-party car insurance policy is mandatory by law, but it only protects you from third-party liabilities.
Own-damage and comprehensive car insurance policies offer financial protection for your car against theft, man-made disasters, accidents and much more.
The impact of an expired car insurance policy on the NCB benefit is significant and results in an instant loss of any valuable discount applicable to your policy at the time of renewal.
If your car insurance policy lapses, you will lose your policy coverage and end up paying high out-of-pocket expenses if your car meets with an accident or falls prey to theft and vandalism. Moreover, you will also be liable to pay hefty fines and face legal consequences, such as imprisonment for up to three months.
Therefore, the best date to renew car insurance is before or on the due date.
Yes, if you are caught driving your car with an expired car insurance policy, you will be charged a hefty penalty and also face imprisonment. Thus, it is recommended that you renew your car insurance policy on time.
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