What is Self-Inspection for Expired Car Insurance Renewal?

Posted on: Apr 20, 2023 | | Written by:

What is Self-Inspection for Expired Car Insurance Renewal?

Published on April 20, 2023. EST READ TIME: 4 minutes

Car insurance renewal needs to be done on time. When it is not, the policy expires, and you may have to pay a higher premium for the next cover. Often, the car insurance provider inspects your vehicle and then offers a new premium rate. This inspection can also be done by you, and this is known as self-inspection for the expired motor plans. What exactly happens at a self-inspection, and how is it beneficial? Get all your answers in the article below.

Understanding mobile self-inspection facility on a lapsed policy:

When you renew expired car insurance, the insurance provider asks a surveyor to visit your location and check the vehicle. On the basis of his report, the insurer fixes the premium rate for your new car insurance coverage. However, this process can be long and time-consuming. Hence, you can opt for a self-inspection. Here, all you have to do is make a video of the car using your smartphone and upload it to the insurer’s app or website or send it via email. The insurance provider will evaluate the video and inform you about the new car insurance price. If you are satisfied with it, you can give them the go-ahead to issue the policy in your name.

Benefits of a mobile self-inspection facility on a lapsed policy

Listed below are the top benefits you get when you opt for a self-inspection:

1. Saves time:

One of the biggest benefits here is that it saves a lot of time. When you opt for a physical inspection by a surveyor sent by the insurance provider, you have to first schedule an appointment. Next, you have to wait for him to arrive and inspect your vehicle. Then, you have to wait till he goes back and submits his report; the insurance provider reviews it and then offers a new car insurance price. When you self-inspect, the time spent is relatively lower.

2. Very simple process:

The process is very simple and can be done by anyone who has a smartphone. You just need to shoot a simple yet detailed video and upload it on the digital platform.

3. Allows you to get quick coverage:

Since everything happens digitally, the turnaround time is very less. As a result, you get your renewed motor insurance coverage at a very quick pace.

As you can see, these benefits are very handy indeed. Carry out the self-inspection and get your new car plan at the earliest.

Steps to do Self-Inspection for an Expired Car Insurance Renewal:

If you wish to carry out a self-inspection, here are the steps to follow:

1. Shoot the video

2. Download the app of your car insurance provider

3. Register yourself on the app by creating an account. For this, you will have to enter your personal details like your name, phone number, etc. You will also have to provide information about your car and the old car insurance plan

4. Once your account is set up, upload the video you shot directly on the app

The insurance provider will evaluate the video and offer you a new car insurance price.

Factors to remember after completing the self Inspection process:

Here are some important factors to keep in mind when you look to complete the self-inspection procedure digitally:

1. You may have to shoot another video and upload it again if your insurance provider is not satisfied with the first video

2. You may encounter technical issues when shooting the video or uploading it

3. The insurance provider may reject the application

4. The insurer may not directly acknowledge the receipt of the video, so you need to ensure you get an acknowledgement

These are some minor roadblocks that you should easily work your way around. It helps to stay informed, so keep them in mind when you opt for the digital inspection process.

Why should you take an Insurance Policy for your car?

Car insurance is a major requirement. Apart from it being a legal mandate, a motor policy also offers some invaluable benefits, such as:

1. Third-party coverage

The laws in India make it compulsory for every vehicle owner to get basic third-party motor insurance coverage. If you happen to injure a third party in an accident or their vehicle is damaged, you have to pay for the recovery costs. With a third-party plan in place, the insurance provider takes care of these expenses on your behalf. All motor insurance plans in India have an in-built third-party cover.

2. Own vehicle coverage:

Your vehicle is a prized possession, and you always want to protect it. Getting a comprehensive car insurance plan helps, as these covers provide an own-damage cover, along with the basic third-party liability cover. You can also add riders and make the plan all the more flexible. Such a cover allows you to keep your car safe at all times and is one of the main reasons why people opt for vehicle insurance plans. The comprehensive car insurance prices are slightly higher, but you get a whole lot of covers for the price you pay, so it works out to be quite economical.

3. Personal accident cover:

Another one of the crucial car insurance covers, the personal accident cover, allows you to keep yourself and your loved ones protected. Unfortunately, motor accidents are common, and they lead to injuries and loss of life. If you, the policyholder, get injured or die in an accident when driving, your family will get a death benefit. This is a pre-decided amount and works as a life insurance cover. This is available in both the third-party plans as well as the comprehensive car insurance plans.

4. Keeps you legally covered:

As stated, the laws in India make it compulsory for you to have a motor insurance plan at all times. If you are caught driving your car without a valid plan, you will be fined by the traffic cops. This is why you need to buy a good plan and renew it on time.

5. Easy and inexpensive:

And last but not least, motor insurance plans in India are available aplenty. You can find a cover of your choice at a great price quite easily. Hence, do not stop from getting a good cover that would benefit you in several ways.

If your policy has lapsed, renew expired car insurance without any delay. As you can see, the benefits of a car plan are many, and you should not stay unprotected simply because you didn't complete the renewal process on time.

Conclusion

Getting the self-inspection done is very simple. All you have to do is record a video of your car and send it to the insurance provider. If it matches the guidelines and the insurer is happy, you will get a new car insurance plan right away. As you can see, a car insurance policy is crucial for your vehicle, for you and also for the people around you. So don't allow your policy to lapse. If it does, renew expired car insurance at the earliest and enjoy good motor insurance coverage.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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