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Car Insurance Renewal: Documents Required

If you own a car, you probably spend a lot of time and money keeping it looking brand new. However, it is quite possible for your car to suffer some dents or scratches while maneuvering through those rush hours while returning from office or being stuck in those long traffic jams when some rickshaw puller rubs across your car. These are the times you need to get the damage repaired at the earliest and it might cost you some serious bucks. In such cases, car insurance comes to your rescue and covers most of the damage repair that incurs hefty expenses. Along with this, liability-only policies also cover third-party damage caused by your car. 


When you buy a vehicle, the company provides you with a motor insurance policy​ for 1-year. Before this expires, the government mandates you to renew your insurance if you ever want to drive your car on the road again. According to the revised guidelines issued by IRDAI in 2019, if any car is found without at least liability-only insurance, the car owner will be penalized with a ₹2,000 fine. You can avoid this penalty as well as risking your cars or third-party’s safety, you should get your insurance renewed well before the expiry date.

Here’s a list of all the documents you will need for the renewal process.

Document List


The list of documents required for car insurance renewal is issued by IRDAI. This means the documents list is the same across all insurance companies. The documents are to be submitted along with the insurance renewal form.

These are all the documents required:

  • Government-issued ID proof (PAN card/ Aadhar card/ Passport/Photo ID)
  • Address proof (Passport/Driving License/ Bank passbook/)
  • Recent Photograph
  • Driving License
  • Vehicle registration number
  • Registration certificate
  • PUC certificate/Pollution test certificate
  • Old motor insurance policy number
  • Credit or debit card details for online banking

    • Initiating Renewal Process


    The process of initiating car insurance policy renewal has now been made pretty easy via the internet. If that’s not the right way for you, you can always opt for offline renewal.

    This is how you can initiate your insurance renewal:

  • ​Compare your current insurance policy with others. You can get quotes online.
  • Determine whether you want to continue with the same insurer or the insurance policy, or switch to another one
  • Decide if you want to get add-ons with your insurance cover. It is a good option to increase the protection for your vehicle and get the best value of your money
  • If you choose to continue with the same insurer, notify the company about the nearing expiry date; contact the new company and tell them about your interest
  • Fix an appointment with the company’s surveyor for inspecting your car
  • Choose your premium. If you have a no-claim bonus, it will be applied to your premium. If you switch to a different company, the bonus can be transferred
  • Submit all the required documents, make the payment online or offline
  • Receive your policy documents within a few days of renewal.

    • Whether you renew car insurance online or offline, it is necessary to be on time for insurance renewals and stay safe during emergencies.