How to Check if Your Car is Insured

05 Feb 2019

What is car insurance?

A car insurance policy is taken by the owner to protect their vehicle from damages and/or loss arising from unavoidable and unforeseen circumstances. It provides cover against theft, total/partial damage or a third-party liability caused during a road accident.

As the owner of a car, it is legally your responsibility to keep your car insured at all times. This is necessary not only to comply with the law but also to be responsible for the passengers in the automobile and any third-party who may be potentially involved in an accident with your vehicle. Not having an insurance cover will affect you both financially (as you have to pay for the damages out of your own pocket) and legally (if you do not have third-party insurance).

If you are unsure or have forgotten if your car is insured, here are some ways to check if your car has insurance cover or not.

Checking emails – Your car insurance provider will send out emails closer to the date of renewing the policy. A quick search of your inbox should tell you if your car is insured and the duration of the cover. If the cover has expired, renew it immediately by getting in touch with your insurer.

Checking for insurance validity – If you remember that you had taken an insurance policy for your car, but have misplaced the insurance document, contact Liberty General Insurance and give your details such as Policy Number, Vehicle Registration Number, chassis number, and your personal details. We will extract the details of the insurance within a short time and inform you.

Through SMS – You have the option of checking your renewal date through a text message. All you need to do is update your contact details with the insurance provider, following which you will get a reminder to renew your policy or other important updates.

Checking insurance status of third-party car insurance

It is essential to check and ensure the genuineness of your car insurance policy at the time of issue so you don't pay a large bill. This can be done in various ways: buying only through credible sources, remembering to collect payment receipts, verifying QR codes, etc.

While buying a new car, the dealership always takes care to get the car insured before it rolls out of their establishment, so that you have one less thing to worry about. But this is not the case while buying a second-hand car, as you will be making most of the decisions. Along with transferring the RC of the second-hand car to your name, you need to get the insurance cover under your name too.

If you want to avail Liberty General Insurance's Car Insurance policy, you can click here.

Disclaimer: For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale. *The discount amount will vary subject to vehicle specification and place of registration.