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Quite simply, an insurance policy that has not been renewed before or by its expiry date is known as a lapsed or a ‘break-in’ policy. An expired car policy is not viable for two very important reasons:
IT’S ILLEGAL!
As per Indian Motor laws, it’s not legal to drive without valid car insurance. Offenders are subject to fines and may even face strict action!
IT DOES NOT MAKE ROAD SENSE!
Apart from the fact that accidents can happen any time and anywhere, expired policies may also lead to major financial losses!
Do you require a little more convincing to renew your expired car insurance policy? Here are a few more reasons:
PROTECTION
Accidents are common and inevitable. If by chance you are involved in one, after your policy has expired, it means you’d have to shell out the money from your own pocket! Not a good idea, right?
LONGER RENEWAL PROCESS
The longer you wait, the harder it will be to find an insurer, and more so for older vehicles. Apart from that, you’ll also have to bear the charges for having your car surveyed. That’s a strict no-no.
NO CLAIM BONUS
Did you know a policy lapsed for more than 90 days could make you lose on your accrued NCB? Think of this way, the NCB raked up over 4 years could stack up to 45-50%. Imagine losing that? Not really.
Steps for Renewing an Expired Policy
Now that your car insurance policy has expired, don’t waste any more time. Just follow these steps!
STEP 1Choose Insurance Policy and Plan
Research and select your policy before you proceed. Based on your car make, model, age and other details, experts can help you find the ideal policy for you.
STEP 2Vehicle Survey Appointment
After finalising on the insurance company, you’ll have to schedule a vehicle survey at the earliest. The earlier you do, the easier it gets!
STEP 3Vehicle Survey
A representative from the insurance company will inspect, review and ascertain any pre-existing damages of your vehicle. Based on his observations, insurance may or may not be provided.
STEP 4Buy Policy Immediately
Once the survey has concluded, you can buy a car insurance policy. You should remember that the inspection is valid for 24 hours only, so do not waste any time post your appointment!
Expired Car Insurance?
What are the benefits of expired car insurance renewal?
Can I renew my expired car insurance?
Can I renew my expired car insurance policy online?
Can the No Claim Bonus on my expired car insurance be transferred?
What are the documents required to renew my expired policy?
What is a cover note?