Car Insurance Renewal in India: Documents Required

Your car insurance policy document will lapse if you do not renew your automobile insurance policy before the expiration date. An expired car insurance policy document would not only violate the nation's traffic regulations but will also result in the denial of four-wheeler insurance claims.

Your car insurance provider will no longer be obligated to cover any damage or loss to your vehicle after your insurance plan has expired. As a result, if your uninsured vehicle is involved in an unpleasant event or accident, you'll be required to pay for the damages to your four-wheeler and third-party liabilities out of your bank account.

The timely renewal of your car insurance vehicle documents online ensures that your four-wheeler is financially protected. For example, in an accident, there may be damages and legal responsibilities. Moreover, it'll give you an edge in earning various renewal benefits, such as the no-claim bonus that auto insurance firms offer you during insurance renewal time.

When your four-wheeler insurance plan's expiration date approaches, you should follow these procedures for the auto insurance renewal process:

• First, contact Tata AIG's customer care department and explain the problem.
• Tata AIG will notify you if your vehicle must be surveyed as part of the renewal procedure.
• You should make an appointment to check if your vehicle requires an inspection.
• You should work with the inspector to coordinate and submit the auto insurance renewal process documentation.
• After the review, you must pay the car insurance renewal premium to renew your policy.

- Read more: Tips on How to Choose Car Insurance For Your 4 Wheeler

The documents needed for car insurance renewal are listed below:

• Identity proof like Aadhar Card, PAN Card, or Voter Card
• Proof of your residence
• Driving licence
• Recent passport-size photo
• Car registration number
• Pollution check certificate
• Car registration certificate
• Car insurance policy number (existing)
• Debit or credit card information for net banking

Therefore, these are the documents required for insurance policy renewal.

Renewing your car insurance policy online offers several advantages. The digital renewal process eliminates paperwork, long queues, and agent dependencies, making it a hassle-free experience. Online platforms allow you to compare different plans, customise coverage, and enjoy 30 to 40% savings, ensuring you get the best deal.

When renewing online, you’ll find that uploading the documents required for insurance renewal is simple. You usually need your existing policy details, and if you're making changes, you might need extra documents. Knowing the documents required for renewal of car insurance beforehand makes the process smoother. You'll get digital copies of your policy instantly, keeping everything organised. It’s a secure method to protect your information and get renewals done quickly.

Four-wheeler insurance is required by law and is not an option. However, due to digitalisation, Tata AIG has established facilities for online four-wheeler insurance renewal, making it straightforward and easy for you.

The following are some of the advantages of online four-wheeler policy renewal:

• It is simple and requires no such effort;
• The choice of car insurance plans is mammoth;
• Four-wheeler insurance renewal plans online are 30 to 40% less expensive than offline renewals;
• When renewing online car insurance, you can personalise your policy based on your budget, coverage, etc.

Before renewing your four-wheeler insurance policy, you should keep the following considerations in mind:

• To avert driving without car insurance, keep the insurance plan's expiration date in mind.
• Before car insurance renewal, you should compare insurance policies through our online bike insurance premium calculator to get the best rates and plans.
• You can use your NCB (no-claim bonus) to save money on your car insurance renewal premium.

Read more: 10 Car Insurance Renewal Tips

Finally, you are the car's defender. Timely renewing your four-wheeler insurance is critical for your vehicle since it shields you against legal complications and financial losses in an unforeseen accident. Depending on your preferences, you may renew your auto insurance coverage offline or online. And now that you are aware of the documents required for car insurance renewal in India, you must keep these handy.

At Tata AIG, we have online four-wheeler insurance renewal options, allowing you to renew your auto insurance coverage from any location. Also, when the car policy renewal date approaches, you should keep all of the documents needed for car insurance renewal close at hand.

Is PAN and Aadhaar mandatory for car insurance renewal?

No, PAN and Aadhaar are not mandatory for car insurance documents during renewal. You need one form of identity proof, which can be either Aadhaar, PAN Card, or Voter Card. The other documents required for car insurance include proof of residence, driving license, vehicle registration, and existing policy details.

What documents do you need for car insurance?

To renew car insurance documents in India, you require identity proof (Aadhaar, PAN, or Voter ID), residence proof, driving license, recent photo, car registration number and certificate, pollution certificate, existing policy number, and payment details. These are the key documents required for car insurance in India.

Can I renew my car insurance without inspection?

Yes, you can renew car insurance without inspection if the policy is renewed before expiry. However, if there's a lapse, TATA AIG may require an inspection before renewal. The documents required for vehicle insurance renewal include the previous policy, car insurance documents, and vehicle details to ensure seamless processing.

Do we need to submit original documents for an insurance claim?

No, insurers typically require copies of car insurance documents for claim processing. However, in some instances, insurers might ask for documents required for vehicle insurance claims, such as the FIR (if applicable), policy copy, and repair bills, to be verified against the originals before settling the claim.