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What if I forget to renew my auto insurance on time?

If a vehicle's auto insurance policy is not renewed, driving that vehicle is illegal. Also, if the vehicle has an accident, the insurance company will not pay out claims. All No Claims Bonuses will also be forfeited.

Apnainsurance.com Research Bureau

28 Nov 2007

A car insurance policy has to be renewed before the expiry of the ongoing term of insurance. Delay in renewing a policy and thereby driving a vehicle without valid motor insurance is illegal and there are substantial penalties.

Here are some scenarios where you will lose out:

  • In case the uninsured vehicle has an accident, the insurance company is not liable and you would have to bear the liabilities alone, if any.
  • If the policy is not renewed within 90 days of the expiry date of the previous policy, the No Claim Bonus cannot be claimed.
  • If the policy expires and is not renewed on time, the insurance company will insist on a physical inspection of the vehicle before granting renewal.

See also:

What is Malus?

What is No Claim Bonus?

Can I renew my auto insurance with another insurance company?

Motor Insurance FAQs on Claims

Motor Insurance FAQs on Coverage

Motor Insurance FAQs on Cost, Premiums, Bonus, Discounts, Renewals