Instant (online purchase)
₹500-50,000+ (varies by vehicle type, coverage, and IDV)
Any vehicle owner
All vehicle owners for legal compliance and financial protection
Select Third-party (mandatory) or Comprehensive (recommended) insurance.
Use insurance aggregator websites to compare premiums and coverage.
Provide RC number, make, model, and registration year.
Choose add-ons like zero depreciation, engine protection, roadside assistance.
Pay premium online via debit/credit card or net banking.
Download policy document and keep soft copy in vehicle and DigiLocker.
You can update your Vehicle Insurance details — such as address change, renewal, or upgrades — online through the Parivahan Sewa portal or by visiting your local RTO office.
Go to parivahan.gov.in and navigate to the relevant vehicle or licence services.
Choose your state and the update service applicable to your Vehicle Insurance.
Complete the required form and upload supporting documents like address proof or insurance.
Pay the applicable service fee online.
Some updates require a physical visit to the RTO — book an online appointment to avoid queues.
Once approved, download your digital Vehicle Insurance or wait for the physical card to arrive by post.
You can download a digital copy of your Vehicle Insurance through DigiLocker or the mParivahan app, both of which are legally accepted by traffic police and government offices across India.
Download DigiLocker (digilocker.gov.in) or mParivahan from the Play Store or App Store.
Register with your mobile number and link your Aadhaar for verification.
Search for "Vehicle Insurance" in DigiLocker's issued documents or enter the number in mParivahan.
Your digital Vehicle Insurance is now available. It can be shown to traffic police instead of the physical copy.
You can check the status of your Vehicle Insurance application on the Parivahan Sewa portal using your application or transaction number.
Go to parivahan.gov.in and navigate to "Application Status".
Choose your state and enter your application/transaction number.
Check the current stage of your Vehicle Insurance application — whether it is pending, approved, or ready for collection.
Third-party covers damage to others only (mandatory). Comprehensive covers own vehicle damage too (recommended).
Renew before expiry. Grace period varies, but driving without insurance is illegal and attracts heavy fines.
Insured Declared Value - current market value of your vehicle, determines premium and claim amount.
You can check insurance details by entering the vehicle registration number on the Vahan Citizen Services portal or the mParivahan app. It will display the insurer's name and the policy's validity date.
Yes! Under the Motor Vehicles Act, holding at least 'Third-Party' liability insurance is strictly mandatory for all motorized vehicles driven on public roads in India.
Visit the official government portal to start your application
Go to Official Portal →