Top Car Insurance Plans
Comprehensive
Third Party
Own Damage
- CASHLESS GARAGES 6,800
- CLAIMS SETTLED 89%
- ZERO DEP. CLAIMS UNLIMITED
Starting From ₹ 2881
Key Features:
Maximum Cashless Garages- Over Night Vehicle Repairs
- 24x7 Roadside Assistance
- Quick Claim Settlement
Maximum Cashless Garages- CASHLESS GARAGES 3,100
- CLAIMS SETTLED 95%
- COMPREHENSIVE CLAIMS UNLIMITED
Starting From ₹ 2396
Key Features:
- Towing Assistance (For Accidents)
- Coverage Outside India
- PSU Provider
- Quick Claim Settlement
Renewing car insurance timely is of utmost importance to ensure that things go smooth even amidst any sudden challenges thrown towards you, and the ability to tackle things while avoiding financial crises. Car insurance has a policy period of one year or more, post that the policyholder needs to renew it before the expiry date.
What Happens When Car Insurance Gets Expired?
When your car insurance expires, you will have to face the following consequences:
- Driving a car without at least third party car insurance in India is a criminal offence punishable with a fine of Rs. 2,000 and/or imprisonment of up to 3 months
- The burden to meet financial obligations arising out of any mishap involving your car
- Loss of ‘No claim Bonus’ which can go up to 50% of the own-damage premium.
Renewal of Car Insurance After Expiry Date
It is possible to renew an expired car insurance policy during the break-in period. Break-in period refers to a 90-day grace period starting from the expiry date of the car insurance policy. Break-in car insurance renewal mandatorily requires an inspection of the car by the insurance company. The inspection can be either performed by the policyholder or by a third-party agency hired by the company. The best thing to note is that the NCB remains intact even if you renew your car insurance policy during the break-in period.
How To Renew An Expired Car Insurance Policy?
You can renew your expired car insurance by following the below-given steps:
Step 1: Select and pay for an insurance policy and ideal plan for you based upon the factors like car model, age, and other relevant details.
Step 2: Car inspection is mandatory to get your car insurance renewed during the break-in period. It is of two types i.e self inspection or third party inspection.
Step 3: In case of self inspection, the insurance company provides you with the instructions, whereas in case of a third party inspection, an insurance company representative will inspect, ascertain and review any existing damage to your car, based upon that insurance can be provided or denied.
Step 4: Once the inspection is done, the policy will be issued to you.
Calculate Your Car Insurance Premium Online
Select your car brand
- Maruti
- Hyundai
- Honda
- Toyota
- Mahindra
Which city is your car registered in?
- Ahmedabad
- Bangalore
- Chandigarh
- Chennai
- Gurgaon
When did you buy your car?
What To Do If You Fail To Renew Your Car Insurance During The Break-in Period?
If the policyholder fails to get their car insurance policy renewed even within the 90-day window, then in such a case, they will lose out on all the accumulated benefits, and their car insurance policy would lapse.
Then in such a case, they are required to start everything from scratch and the Insured declared value will be certain only post the re-inspection of the car. The policy that is bought after the 90 days grace period is treated as an entirely new policy and all the discount and NCB that is collected is bound to expire.
Advantages of Renewing Car Insurance Policy Timely
There are numerous advantages of getting your car insurance renewed on time including the below-highlighted points:
- Your car is insured all the time, with no gaps or break-in period.
- The policyholder gets NCB for every claim-free year.
- An order has been issued mandatory by the law, for a car owner to have a car insurance policy, an expired policy makes the policyholder liable against other legal consequences.
Car Insurance for Popular Car Models
Mahindra Thar
*Premium Starting from ₹18,931
Check Premium
Mahindra Scorpio
*Premium Starting from ₹22,384
Check Premium
Hyundai Creta
*Premium Starting from ₹27,981
Check Premium
Maruti Swift
*Premium Starting from ₹8,416
Check Premium
Maruti Baleno
*Premium Starting from ₹12,824
Check Premium
Tata Tiago
*Premium Starting from ₹10,425
Check Premium
Maruti Wagon R
*Premium Starting from ₹7,685
Check Premium
Hyundai i20
*Premium Starting from ₹10,283
Check Premium
Maruti Alto K10
*Premium Starting from ₹6,273
Check Premium
Hyundai Verna
*Premium Starting from ₹17,242
Check Premium
Honda City
*Premium Starting from ₹11,243
Check Premium
Maruti Ertiga
*Premium Starting from ₹12,339
Check Premium
Toyota Innova Crysta
*Premium Starting from ₹37,097
Check Premium
Land Rover Range Rover
*Premium Starting from ₹132,790
Check Premium
Mercedes-Benz GLA
*Premium Starting from ₹109,953
Check Premium
Land Rover Range Rover Velar
*Premium Starting from ₹128,979
Check Premium
*The above-mentioned premiums are suggestive and may change basis terms & conditions
Car Insurance Add-ons
Pay As You Drive
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No Claim Bonus Cover
Engine Protection Cover
Return To Invoice Cover
Roadside Assistance Cover
Consumable Cover
Accessories Cover
Passenger Cover
Key Replacement Cover
Personal Accident Cover
Tyre Protection Cover
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Car Insurance Companies Reviews & Ratings
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Fire Damage Claim
A short circuit in my car's wiring lit a small fire which damaged the dashboard till some extent. Bajaj Allianz was my insurer and handled the claim process ideally. My car was repaired at a cashless garage and I just had to pay the pre-agreed deductibles and rest was covered with my car insurance. The quality of repair was excellent, and I didn't face any out-of-pocket expenses. InsuranceDekho's suggestion to go with Bajaj Allianz for comprehensive coverage proved beneficial to me.
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My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.
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My car was damaged due to the floods last month in my state. Fortunately, I had Acko car insurance and it helped me financially to get my car repaired. My claim was approved after a smooth process and my car was repaired at a cashless garage. I have no complaints with the services provided by Acko. Although the condition of my car before repairing was really bad, Acko claim settlement process returned my car in 4 days and it looks brand new now. Thanks to InsuranceDekho for suggesting Acko for their reliable services.
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Accident Claim Settlement
I was involved in a minor accident where the front bumper of my car was damaged. HDFC ERGO's claim process was smooth and efficient. My claim was approved within 24 hours and car was repaired at one of their network garages. I'm grateful to InsuranceDekho for recommending HDFC ERGO for their hassle-free claim settlement.
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Smooth Third-Party Accident Cl...
Last week my car hit a pedestrian by accident, and it injured him severely. After taking him to the hospital emergency, I was quick with my action to inform ICICI Lombard, who was my insurer. They handled the whole case from start to end and settled the third-party claim efficiently. I’m thankful for their support during this stressful time and I'm glad that I sought advice from InsuranceDekho while selecting ICICI Lombard as my insurer.
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Icici Lombard car Insurance
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Renew Expired Car Insurance FAQs
-
How do I check my car insurance policy expiry date?
You can check the expiry date of your car insurance policy via the following ways:
- You can confirm the expiry date of insurance policy through IIB( Insurance Information Bureau).
- You can confirm the expiry date of insurance policy through VAHAN website by Roads and Transport Ministry.
- You can confirm the expiry date of the insurance policy with your insurance provider as they have a record of all the insurance policies.
-
How do I renew my car insurance after it expires?
If your car insurance lapses, immediately inform your insurance company. You can renew the expired policy during the grace period i.e. 90 days from the expiry date. However, post the expiry of the grace period, you would be required to purchase a new policy.
-
What happens when my car insurance expires?
In case your car insurance expires, you may need to purchase a new insurance plan. Also, the accumulated benefits of the expired plan like NCB may get lost. Moreover, buying a new policy would lead to a car inspection and a higher premium amount due to loss of NCB.
-
What happens if I don't renew car insurance after it expires?
If you don’t renew your car insurance after it expires, you may have to face the following consequences:
- You may have to face strict legal action and pay hefty fines if caught driving an uninsured car.
- You will have to bear all the costs at the time of an injury, accident, theft, damage etc.
- Also, other liabilities and consequences due to driving an uninsured car-like financial crisis, a risk to life, damage or loss to your own car or others.
-
What is the fine if I get caught with an expired car insurance policy in India?
Driving without an active car insurance policy could result in paying a fine of Rs 2,000 and/or imprisonment of up to 3 months.
Contact Details
For any assistance or query, call us on
InsuranceDekho
7551196989(Mon to Sun 10 AM to 7 PM)
support@girnarinsurance.com
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