What to do when Your Car Insurance Expires?

It is often the case that we forget about deadlines related to policies and other things owing to our busy schedules. There are reminders that most insurance companies offer nowadays. However, if you still miss your car insurance renewal date, it is important to take relevant steps. If your policy has just expired, it is possible for you to reinstate it without any penalty but not otherwise. Make sure that you are not driving around in your car until you have your car insurance policy re-issued.

You can follow the steps below to ensure you get your car insurance renewal easily:

1. Organize: Collect your registration certificate and previous lapsed policy 2) Go to the insurer's website In case of lapsed policy mandatory car inspection is required and first step is to check the insurer you wish to renew your car with, this you can do easily by visiting any insurance aggregator website like RenewBuy.com and register an inspection with the aggregator.

3. Do not forget to Crosscheck: Once the inspection is done, insurer will either recommend your car for inspection or reject. If recommended, insurer will share an online payment link with you and you can renew your vehicle policy

4. Buy a Policy Online and get it delivered to you: Once payment is done, some insurer like Bharti Axa and Tata Aig prefer a screen shot of payment along with vehicle document to be mailed to them and few other insurers prefer to collect the document during payment stage and issue policy after payment is done. Once done, you can easily receive the policy via email and avoid the tiresome paperwork altogether.

This process may take 2- 5 days from the day of registering inspection hence it is highly recommended to not to drive your car during this period.

Now that you know how to renew expired car insurance online, to save you from this hassles, it is highly recommended to avoid missing on renewals. There are a few misconceptions that people have about buying insurance online:

1. Authenticity: All the policies issued by any insurance company which are registered with IRDA (Insurance Regulatory and Development Authority) are completely authentic. IRDA license is a proof that your policy is legit.
2. Reliability: Transactions online are now safer than ever and just like every other thing you buy online, your insurance policy's payment is safe and secure.
3. Distance: The distance of your insurer's office from your place is no more a problem. Irrespective of the geographic distance, you can easily apply for claims and the processing will start as soon as your application is submitted. The best part is that there is no hassle and all your work is done from wherever you want, either on your system or from your phone!

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