How to Renew Car Insurance Policy Online in India 2025

Owning a car comes with joy, freedom, and responsibility — and one of the most important responsibilities is keeping your car insurance policy active. Renewing your car insurance policy online in India 2025 has become faster, simpler, and more convenient than ever before. With the rise of digital insurance platforms, car owners can now compare plans, calculate premiums, and renew policies instantly — all from the comfort of their homes.

In this guide, we’ll take you through everything you need to know about how to renew car insurance online, what documents are required, and expert tips to help you save more in 2025.

Why Renewing Your Car Insurance Policy Is Important

Your car insurance policy is more than just a legal document — it’s your financial safety net. As per the Motor Vehicles Act, 1988, having valid third-party insurance is mandatory for every car owner in India.

Failure to renew your policy on time can lead to:

·       Legal penalties or fines.

·       Loss of No Claim Bonus (NCB) benefits.

·       Out-of-pocket expenses for repairs or third-party liabilities.

·       Policy lapse, which may require vehicle inspection for renewal.

Renewing your car insurance on time ensures uninterrupted coverage, peace of mind, and financial protection against any unforeseen incidents.

Benefits of Renewing Car Insurance Online in 2025

With digital transformation in the insurance industry, renewing your car insurance online offers multiple benefits:

1. Quick & Hassle-Free Process

No more standing in queues or paperwork. You can renew your car insurance policy online in minutes with just your vehicle registration number and policy details.

2. Compare and Save

Online renewal platforms like SquareInsurance.in let you compare quotes from multiple insurers instantly, helping you find the most affordable premium and best coverage.

3. Instant Policy Issuance

Once payment is made, your renewed policy is generated instantly and sent to your registered email.

4. Safe & Secure Payments

Online portals are IRDAI-approved and offer encrypted transactions, making the renewal process completely safe.

5. Retain Your No Claim Bonus (NCB)

Renewing on time ensures you retain your NCB, which can save you up to 50% on premiums over time.

Documents Required for Online Renewal

When you renew car insurance policy online, the process is paperless, but you should keep these details ready:

·       Vehicle registration number

·       Previous insurance policy number

·       Engine and chassis number

·       Personal ID proof (Aadhaar, PAN, etc.)

·       Mobile number and email address

If your policy has expired, the insurer may require a vehicle inspection report before renewal.

Step-by-Step Guide to Renew Car Insurance Policy Online

Renewing your car insurance policy online in India 2025 is simple and can be done in just a few minutes. Follow these steps:

Step 1: Visit a Trusted Insurance Portal

Go to a reputed website such as SquareInsurance.in or your insurer’s official site.

Step 2: Enter Vehicle & Policy Details

Provide your vehicle registration number and existing policy number. The system will fetch your current policy details.

Step 3: Compare Renewal Quotes

Review and compare the available plans, coverage, and add-ons from top insurers to find the best deal.

Step 4: Choose Add-ons (Optional)

Enhance your policy with add-ons like Zero Depreciation, Engine Protection, or Roadside Assistance for extra coverage.

Step 5: Make Secure Payment

Complete the payment online using a debit/credit card, UPI, or net banking.

Step 6: Receive Instant Policy Copy

Once payment is successful, your renewed policy will be sent instantly to your email — no paperwork required.

Types of Car Insurance Policies You Can Renew

1.     Third-Party Car Insurance – Mandatory by law; covers damages to another person or property.

2.     Comprehensive Car Insurance – Offers both third-party and own-damage coverage.

3.     Standalone Own-Damage Policy – Covers damage to your car due to accidents, theft, fire, or natural disasters.

If you already have a third-party policy, consider upgrading to comprehensive coverage during renewal for complete protection.

Common Mistakes to Avoid During Renewal

Even a small oversight during renewal can cost you big later. Avoid these common mistakes:

·       Forgetting to renew before expiry.

·       Ignoring policy terms and exclusions.

·       Not transferring No Claim Bonus when switching insurers.

·       Choosing the cheapest policy without checking coverage.

Always read the policy details carefully before confirming your renewal.

Expert Tips to Save on Car Insurance Renewal in 2025

·       Compare quotes from at least 3–4 insurers before renewing.

·       Opt for voluntary deductibles to lower premiums.

·       Install anti-theft devices approved by ARAI.

·       Maintain a claim-free record to maximize your NCB.

·       Renew before expiry to avoid policy lapses and extra inspection charges.

By following these steps, you can ensure maximum savings and uninterrupted protection.

Why Choose Online Renewal with SquareInsurance.in

SquareInsurance.in simplifies your entire car insurance journey with:

·       Instant policy renewals and issuance

·       Free quote comparisons

·       IRDAI-approved insurers

·       Transparent pricing and zero hidden charges

·       Dedicated customer support

With just a few clicks, you can renew your policy and get complete peace of mind for another year.

Conclusion

Renewing your car insurance policy online in India 2025 is no longer a complicated process — it’s quick, transparent, and affordable. From comparing plans to getting instant coverage, everything is just a click away.

By choosing trusted platforms like SquareInsurance.in, you can renew your policy instantly, save on premiums, and ensure your car stays protected at all times.

Drive safely. Stay insured. Renew smart!

Frequently Asked Questions

Q.1. How can I renew my car insurance policy online in India 2025?

You can renew your car insurance policy online by visiting your insurer’s official website or trusted portals like SquareInsurance.in. Enter your vehicle details, compare plans, choose add-ons, and make the payment online to receive your renewed policy instantly.

Q.2. Can I renew my car insurance policy after it expires?

Yes, you can renew your policy even after it expires, but it must be done within 90 days of the expiry date. However, your car may need a physical inspection, and you might lose your No Claim Bonus (NCB) if the policy remains lapsed beyond this grace period.

Q.3. What documents are required to renew car insurance online?

To renew your car insurance online, you need:

·       Vehicle registration number

·       Previous policy number

·       Engine and chassis number

·       Personal ID proof (Aadhaar or PAN). The entire process is paperless and can be completed in minutes.

Q.4. Can I switch to another insurance company while renewing my policy online?

Yes, you can easily switch insurers during renewal. Make sure to transfer your No Claim Bonus (NCB) to your new insurer and verify the coverage details before confirming the new policy.

Q.5. How do I get the best deal while renewing car insurance online?

Compare quotes from multiple insurers, retain your NCB, and choose add-ons wisely. Using platforms like SquareInsurance.in helps you find the best coverage at competitive premiums and avoid overpaying for unnecessary features.