Lost your car insurance policy number? No problem! Here’s how to find the car insurance policy number

Policy numbers are distinct identifiers used by insurance companies to monitor and handle individual policies. When policyholders need to access their policy details quickly, they must always have this crucial piece of information on hand. 

However, finding their car insurance policy number is frequently difficult for many people. The locations of insurance policy numbers in India and methods for verifying insurance policy numbers by vehicle number are described in this article.

What is a car insurance policy number?

The car policy number is unique and appears on the policy paper. It is given to each policyholder by the insurance firm. It helps identify the business’s policy account. Once the policy is issued, you will receive a numerical digit called the policy number. A policy number is an 8- to 10-digit number limited to your car insurance. Your insurance provider uses your policy number to identify you and your covered car uniquely.

The number is available on the soft copy of the policy paperwork emailed to your email address when you purchase your car insurance online. However, the number will appear printed on the offline policy when you obtain a physical copy.

How to find a car insurance policy number?

Once you have understood the concept of the policy number, let us explain how to find a car insurance policy number. Your proof of car insurance ID card, which your insurer provides, has your policy number. Also, it occurs on the declarations page of your policy, which is located at the beginning of the documentation pertaining to your insurance policy.

When you access your online account with the insurance company, you may also locate your policy number for car insurance. Your policy number and other information regarding your coverage should be easily accessible on any mobile app your insurer may have.

Checking through your most recent car insurance billing statements is another method to obtain your number.

When is a car insurance policy number needed?

There are various situations where your car’s insurance number is needed. Consequently, when operating a vehicle, you want to have a hard copy of your car insurance contract close at hand. Here are a few situations in which you could require your car’s insurance number:

 1. When putting out a claim

While filing a car claim, the insurance company requests the policy number for the car’s insurance. If you file a police complaint in the event of a theft or third-party claim, please provide your car’s insurance number. The policy number is, therefore, required when filing claims.

2. Updating the insurance policy

When renewing car insurance coverage, the policy number is crucial. You would need to provide the car insurance policy number to obtain your information if you were to renew your current policy. When your insurance expires, you can also purchase a new policy and transfer your current no-claim bonus to it. A policy number would also be required when completing the new plan application.

3. To verify information on car insurance
If you don’t have a car registration number, you can use the number from your insurance policy to confirm your policy details. Similarly, you can view the policy details using your car registration number if you don’t have your car’s insurance number.

 4. For confirmation

The number from your car insurance plan will be required by traffic police when they stop the car to confirm the validity of your policy. Even though you don’t have a physical copy of your policy document, you can still provide the law enforcement authorities with your car insurance policy number in a situation like this so they can confirm that it is valid.

5. To ask for more copies of documents

Even if it is simpler to check or retrieve your car insurance plan online, there are a few reasons why you might need hard copies of the paperwork. Therefore, you can get a duplicate copy of your car insurance policy document if you misplace the original. You must know the policy number to apply for duplicate car insurance coverage.

That’s why always having your car’s insurance number on you is essential. 

Techniques for confirming how to know car insurance policy number

If you need to find or remember your policy number, you may find it and make sure it is still valid. Additionally, you can see the policy’s coverage specifics, renewal date, and information about the insurance firm. Here are a few methods for finding out how to know car insurance policy number:

• Using the internet

By visiting your insurance provider’s website, you can track your account and the status of your car’s insurance online. You need to know specific details, including the car’s registration number, registered email address, or mobile number, to read the document holding the car’s insurance policy.

With the widespread use of cell phones, you can download the insurer’s mobile app to access your account from anywhere at any time. You can also check your email inbox to find and follow up on the policy document that the insurance company may have sent.

• Using offline

To learn more about your car insurance, you can visit the insurer’s branch or talk with an insurance representative. The insurance department or agent can also check and obtain the policy number. 

Finding the policy number is done using the traditional method. However, most insurance companies use the web to make their goods more accessible to customers and to be active online to cater to various demands.

• VAHAN eService

The VAHAN web portal is a platform with a database of car details. By using the registration number, you may verify the engine, chassis, owner, and car insurance details. Even though the policy number might not be available, this is still useful to verify the insurance’s validity, particularly if you want to purchase a used car.

• Using the Insurance Information Bureau

The Insurance Information Bureau (IIB) keeps a computerised database of car records and insurance information for Indian drivers. To get a car insurance number, go to their website. Additionally, you can find out the other party’s insurance policy status if you have an accident with someone else. This can be obtained from VAHAN, a Transport Ministry website where you can verify the validity of the insurance.

• Speak with your insurer

To obtain the specifics of your policy, give your insurance provider a call or send an email to the appropriate department. Insurer use their customer service team to assist with such inquiries. You should provide details to obtain the policy number and access your insurance.