In India, owning a car comes with many responsibilities, such as getting car insurance, and maintaining it. Moreover, having car insurance is a mandatory document for everyone who owns a vehicle. It protects users financially against losses and damages caused by accidents, theft, fire, natural disasters, and other unforeseen events. On several occasions, you may need to look at the vehicle's insurance information, such as for confirming the coverage following a crash or checking the insurance policy validity before buying a used vehicle, among others. This page explains how to check the insurance details of a vehicle by registration number, highlights the benefits, and provides helpful tips for responsible use.

A car registration number also referred to as a vehicle registration number, is a unique 10-digit combination of numbers and alphabetic identification provided to each registered vehicle. This vehicle registration number assigned by a district's Regional Transport Office (RTO) serves as a unique identification for each vehicle and its owner. One must register their vehicle with the local RTO within 30 days of purchasing it. Following registration, the RTO issues a unique registration number, which must be displayed on both the front and rear of the vehicle on a number plate for identification purposes.

The registration numbers and letters vary in format across regions. The registration number has a specified format, which is usually written as AA DD NN DDDD. Here, 'A' symbolises characters, and 'D' indicates numerical digits. The first two letters identify the state's code where the car has been registered, which are followed by two numbers that represent the district code. The next two letters, represented as 'NN', represent the current RTO sequence for vehicle categorization. Lastly, the last four numbers represent the vehicle's unique identifying number.

It can be seen clearly on the vehicle's licence plates, making it easier to identify by authorities and other road users.

A car's registration number serves many purposes beyond giving distinctiveness and assisting in the identification of various vehicles.

• To Buy Car Insurance Coverage:

  You cannot obtain car insurance without a registration number. When an insurance company issues an insurance policy, the registration number of the covered car is placed in the policy document to certify that the coverage is for that particular car.

• To Renew Your Car Insurance Policy:

  To renew a car's insurance coverage, every policyholder must provide the registration number of their particular car. When purchasing or renewing your car insurance coverage, you must have your vehicle's registration number available.

• To Review Car Insurance Details:

  One of the best uses of a car registration number is that one can retrieve the car insurance plan even though you don't have the policy number. As a result, you must always keep it safely with you. To check your car's insurance details online, simply enter the registration number.

• To Make a Claim for Insurance:

  To file a claim with your insurance company for compensation for damage or loss caused by your car or a third party, you must provide your vehicle registration number as well as the insurance plan number. To file your insurance claims, you may also be required to produce the car's registration certificate.

Checking car insurance details by the registration number is a simple process. VAHAN, a nationwide registry, allows you to find vehicle insurance details by the registration number online. The website is a central database that stores all important vehicle information and data, such as owner name, fuel type, road tax specifics, car type or class, date of registration, registration number, insurance policy expiration date, and more. It consolidates all information about driver vehicle registration certificates and licences from several RTOs and DTOs. The steps for vahan insurance check by vehicle number through VAHAN are as follows:

• Go to the VAHAN e-services website.
• Navigate to the 'Know Your Vehicle Details' section.
• To sign in or create an account, please enter your mobile number.
• Enter your vehicle's registration number with the provided verification code.
• Select 'Search Vehicle.'

Following successful verification, the platform will reveal information about the car's owner information, make, model, and, most crucially, the active car insurance policy details, such as the validity duration and coverage type.

If you do not have internet access, you can still obtain basic car information, such as the owner's name and registration number, simply by sending a text message (SMS) to the number 7738299899. Simply enter your car's registration number and then send the message. You will get a response containing the data that was retrieved.

Innovations in technology have transformed several aspects of car insurance, especially being able to check the car insurance by your car's registration number online. Here are convincing reasons to conduct an online vehicle insurance status check:

• Confirmation of coverage status.

  To ensure your insurance is active and not expired. An online status check quickly verifies whether your car insurance plan is still in effect, giving you peace of mind while driving because you know you're sufficiently insured.

• Easy accessibility.

  Online platforms provide instant access to insurance facts from any location, saving considerable time. This immediate availability is invaluable in situations of emergency, such as providing proof of insurance at a traffic stop or after an accident.

• Environmentally friendly.

  Online insurance verification reduces paper usage compared to traditional systems, promoting environmental sustainability. This environmentally friendly technique offers a tiny but significant step towards a better future.

• Up-to-date information.

  Online vehicle insurance checks provide the latest details on your coverage. This keeps you aware of any changes, renewals, or adjustments made to your insurance coverage.

• User-friendly interface.

  Online systems prioritise user-friendliness, making it simple to check insurance status with a few clicks. This simplified procedure reduces complexities and offers a stress-free encounter.

• Enhanced security measures.

  Reputable insurance providers prioritise strong security processes to protect the personal information of their customers. Checking your status online via the insurance provider's authorised website or a secure portal ensures your information's confidentiality.

• Offers 24/7 availability.

  unlike older techniques that are limited to specific office hours, online platforms provide round-the-clock availability. This availability provides convenience and flexibility, allowing you to verify your coverage status at whatever hour that works for you.

• Ensures timely renewals.

  Monitoring your policy status online keeps you informed of approaching renewals, ensuring that your coverage is uninterrupted and does not lapse due to oversight.

Doing a car insurance check is a straightforward but important process that involves everything from verifying vehicle information to ensuring legitimacy and confirming ownership. Here are some essential tips to keep in mind while performing a registration number check:

• When checking vehicle registration details, choose a trusted platform, such as an official website or app. Government websites and authorised third-party platforms are often more reliable.
• Input the correct registration number. Even tiny errors in entering numbers or letters can lead to erroneous results or the display of details from a different car.
• When checking car insurance, look for a vehicle history report if it is accessible. This report provides information on previous accidents, insurance claims, and other noteworthy occurrences involving the vehicle.
• Confirm ownership details, including name and address. This procedure helps to ensure the vehicle's legality and confirms that it is not stolen or involved in any illegal activities.
• Examine car specifications, including model, make, year of manufacturing, and engine capacity. It's critical to ensure that these details match the actual car.
• Check the vehicle's insurance status to confirm it is fully covered by a valid policy that is not expired.
• Validate road tax payments to ensure compliance with legal obligations.
• Ensure the vehicle has a valid fitness certificate, especially for business vehicles.
• Ensure the vehicle is free of any existing obligations, loans, or debts associated with it.
• After receiving the details, double-check them to ensure they are accurate and match the car in question.
• Keep a record of the registration number and check details for future reference and verification.
• Use registration information for legitimate reasons, following privacy and legal rules.

In the end, the car registration number is a valuable tool for acquiring information about a vehicle, including its insurance coverage status. You can review car insurance details either online or via SMS by entering your registration number. Furthermore, using online car insurance calculators can provide you with approximate estimates and allow you to compare various policies in order to find the best protection that suits your needs at the most affordable rates.

What is a car's registration number?
A car registration number is a distinctive number that the RTO assigns to each vehicle on the road.

How can I check car insurance information by using the car registration number online?
To check car insurance data by registration number online, go to your insurance provider's official website and enter the vehicle's registration number.

How can I obtain vehicle owner information by registration number by SMS?
You can check car owner information by registration number by sending an SMS to 7738299899.

Why should you check your car's insurance status online?
You should check your car insurance status online to ensure that your vehicle is covered, stay away from fines or penalties, and have peace of mind.

What are some pointers that should be kept in mind while doing a registration number check?
When doing a registration number check, keep the following recommendations in mind: ensure you have the accurate registration number; have all relevant vehicle information; be mindful of any associated costs or charges; and be patient.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.