How to Find Vehicle Insurance Details & Insurance Policy Number by Vehicle Registration Number?

Vehicle Registration Number – An Overview?

A vehicle/car registration number is a figure allotted by the Regional Transport Office (RTO) of your district for your vehicle.

• This number is unique to every car and it defines the identification of the vehicle and its owner
• Once you purchase a car, it is obligatory to get it registered with the RTO of your area within a span of 30 days
• Once the registration process is complete, your RTO will provide a unique registration number for your vehicle
• The registration number is imprinted on a number plate and placed on the front and back sides of your car
• The registration number is your car’s identification number

If you want to use the registration number to find the insurance details of your vehicle, you can do it online through the IIB portal or the Vahan Sewa as mentioned below.

How to Get Vehicle/Car Insurance Details by Registration Number

As per the Motor Vehicles Act, 1988, it is obligatory for every car owner to have an insurance policy for its vehicle. An insurance policy covers a car owner against damages, injury or in case of death caused due to an accident of your car by a third party. In such a situation, the policy holder can claim the insured amount by using the insurance policy details. However, in case of unavailability of the insurance details, it is possible to use your vehicle number details or the registration number of your car to procure all information pertaining to your car insurance.

If you want to know more about how to use your car registration number to obtain insurance policy details or how to do insurance check by vehicle number or how to find insurance policy number by vehicle number, read on.

What is Vehicle Registration Number (RC Number)?

When you buy a new car, you must get it registered with the RTO or Regional Transport Office of your district within a month of your purchase. The RTO issues a unique 10-digit number to your car as its identity number.

The registration number is a unique combination of letters and numbers indicating the particular state and district where the registration was done. Overall, the vehicle number details goes like this:

• First two letters show – State of registration of the car
• The second two digits show – District where the car is registered or the district code
• The last four digits are unique identification numbers of your vehicle
• In case of unavailability of a unique number, RTO can use one or two letters to make the registration number unique to your car. These letters are termed as RTO sequence number.

Vehicle Registration Number Format

• Your vehicle registration number has a specific format of ‘AA’ ‘11’ ‘AA’ ‘1111’
• Here, ‘A’ denotes letters, and ‘1’ denotes numbers
• The initial two letters indicate the code of the state (where you have registered your car)
• The next 2 digits represent the code of the district
• The 2 alphabets that appear next indicate the present RTO series that classifies vehicles
• The last 4 numbers are used for the identification of your vehicle
• Let’s take an example to understand the format.
• For instance, your car registration number is AS 01 BZ 4884
• AS signifies the code of the State where you have registered your car. In this case Assam
• 01 indicates the district of the local RTO’s location
• BZ is the sequence number of the RTO
• 4884 is your car’s unique identification number

For example, let’s assume your car registration number is UK 07 GA 9988. Here:

UK – means Uttarakhand
07 – stands for the district code – Dehradun
GA – is the RTO sequence number, whereas
9988 – is the unique identity number of your car

This registration number is an obligation that you need to procure at the time of purchasing your vehicle insurance policy.

How to Find Car Vehicle Insurance Details By Registration Number Online in India?

In case of unavailability of policy details, it is easy to access the vehicle insurance details by registration number in India. This can be done by accessing the online Portal named ‘VAHAN’ launched by the Ministry of Road Transport and Highways, Govt. of India. You simply need your car registration details to get insurance details by vehicle number via the VAHAN online portal.

Here are the steps to find insurance policy number by vehicle number:

• Go to the official VAHAN e-services website to find the car owner’s details.
• Check the tab ‘Know Your Vehicle Details’ and click on it.
• Create an account using your mobile number if you are a new user or login into an account if you are a registered citizen
• Now, provide your car registration number and enter the verification code.
• Click on the tab ‘Vahan Search’ and note down all the details of the car insurance policy.

How to Track Vehicle Registration Details via SMS in India?

If you don’t have access to internet and cannot use online mode to find details of your car policy, you can find the vehicle number details via SMS. Follow the below steps:

• Go to the compose message box on your mobile phone
• Type VAHAN<space>Registration Number of your car.
• Send the SMS to 7738299899

You will receive an SMS containing the details you require.

Instances When You Need to Find Car Details Using the Number Plate in India

Here are some situations where car details are traced by using the car number plate or car registration number check:

• In case of hit & run accident case; to trace driver/owner of the car.
• In case of other accidents where a car gets damaged due to collision; to trace the details of the car owner.
• In case you want to buy a second hand car and would like to check the details of the car owner to confirm if it’s genuine or not.

What is the use of Vehicle Registration Number?

The unique registration number of a car is a handy tool that can be used in numerous occasions for numerous purposes to offer car information by number. It helps in identifying the uniqueness of a vehicle. Here are some of the other benefits of a car registration number:

• You need the registration number at the time of buying an insurance policy for your car.
• You also need the registration number for car insurance renewal online of your policy.
• You would need it for processing a claim of insurance in case of an accident or damage of your car.
• And you would require the registration number to find out details of your car insurance policy in case you lose your policy number/details.

Ways to Check Car Details and Vehicle Insurance Details by Registration Number

If you want to know how to find insurance policy number by vehicle number, it is very easy. You already know that you need the registration number of your car to purchase an insurance policy for your vehicle. Now, the details of the insurance policy are linked to the registration number of your car. Thus, they are interconnected. So, by entering the registration number of your vehicle on the portals stated below, you can check the policy details of your car:

• Go to the RTO website. Provide the registration number of your car in the allotted section. Now click on the tab ‘proceed’ to find the policy details.
• Similarly, go to the State Transport Department’s website and provide your car’s registration number in the allotted section to get details of the plan.
• Visit https://www.parivahan.gov.in/parivahan/, which is the website of the Ministry of Road Transport and Highways. Here also, you need to provide your unique car number to collect the details of your policy.
• Further, you can also go to the website of the Insurance Information Bureau (IIB). This portal is launched by IRDAI where you check the details of your car insurance by entering the car registration number.

How to Check Vehicle Insurance Details via IIB Portal Online?

The Insurance Information Bureau (IIB) is a portal that stores all the vehicle insurance data in India. To check your vehicle policy details via IIB, you need to follow the below steps:

• Go to the official website of IIB at https://iib.gov.in/
• Search for ‘V SEVA’ under the quick links section on the home page and click on it
• You will be redirected to a page where you need to fill in certain details
• Duly fill out the necessary information like the name and address of the vehicle owner
• Next, submit the registration number of the vehicle
• Now enter the contact number and email ID (registered) of the vehicle owner
• In case of an accident, mention the location and date of the accident
• Click on the ‘Submit’ button
• You can view all the information about your vehicle including insurance details
• For new vehicles, the chassis and engine numbers of bikes are provided by insurers

How to Check Vehicle Insurance Details Through VAHAN Service Online 

The Vahan Sewa is an online portal that was introduced by the Road and Transport Ministry in India, which holds all the information related to motor vehicles in the country.

Below are steps to get your policy details via Vahan:

• Go to the official website of VAHAN e-services
• On the top menu bar, look for the ‘Information Services’ button and click on it
• Now, select the ‘Know your Vehicle Details’ button from the drop-down menu
• You will reach the Vahan NR e-Services page
• You can log in to the page by submitting your registered mobile number
• Next, submit the vehicle registration number and the verification code
• Submit the details and click on the tab of ‘Search Vehicle’
• You can see your vehicle insurance details on the page that appears

Benefits of Car Registration Number

Vehicle registration numbers are used as a vehicle identification mark. Every vehicle in India needs to be registered as per the Motor Vehicle Act of 1989. It is considered illegal to drive a vehicle without a registration number or with the status of an A/F (applied for) number plate. It also attracts heavy penalties. In India, every vehicle that is sold in a showroom gets a registration number either temporary or permanent.

Here are some benefits mentioned below:

• Registration No. is Required to Buy Car Insurance : Without the registration number of your vehicle, you cannot apply for car insurance. The government has made it compulsory for car owners to have a registration number while buying car insurance.
• Registration No. is Required to Renew Car Insurance: It is also obligatory to have your vehicle registration number if you want to renew your car insurance. The registration no. of the insured car is required at the time of policy renewal.
• Registration No. is Required for Claim Settlement: You would also need your car registration number to raise a claim for your vehicle if any losses or damages are incurred by your car.
• Registration No. is Required to Check Car Insurance Details: You can use your vehicle registration number to look for the insurance policy details if you miss your car insurance policy number or if the number is not handy.

What Are HSRPs with RFID Tags?

HSRPs are tamper-proof number plates mandated by the Ministry of Road Transport and Highways (MoRTH) to standardize vehicle identification across the country. These plates are made of a rare aluminum alloy and feature:

• Chromium-based Ashoka Chakra hologram:Hot-stamped on the top-left corner.

• Laser-engraved 10-digit Permanent Identification Number (PIN):Located at the bottom-left corner.

• Retro-reflective film:With the inscription 'India' at a 45-degree angle.

• Non-removable snap locks:Ensure the plate cannot be tampered with or transferred to another vehicle.

Additionally, a third registration mark, a chromium-based hologram sticker, is affixed to the inner side of the vehicle's windshield. This sticker contains vital details such as the vehicle's registration number, engine number, and chassis number.

RFID Integration for Enhanced Tracking

The integration of RFID tags into HSRPs allows for digital tracking of vehicle. These RFID tags are strategically placed on the windshield or the front of the vehicle, making them visible for enforcement officers to sca. This system aids in quickly retrieving vehicle details in cases of theft or security-related issues.

Implementation Timeline

• *April 1, 2019: HSRPs became mandatory for all vehicles sold on or after this date.

• *December 2024: The fitment of HSRPs for older vehicles commenced in Maharashtra.

• *April 30, 2025: Deadline for all vehicles registered before April 2019 in Maharashtra to have HSRPs installed.

Cost and Booking Process in Maharashtra

• *Cost: The installation fee ranges between ₹531 and ₹879, including GST, with separate charges for snap loks.

• *Booking: Vehicle owners must book an appointment through the Maharashtra Transport Department’s official website at least two days in advace.

• *Authorized Vendors: The state is divided into three zones, each managed by an authorized venor:

  • *Zone *: Rosmerta Safety Systems td.

  • *Zone *: Real Mazon India td.

  • *Zone *: FTA HSRP Solutions Pvt td.

Failure to install HSRPs by the deadline will result in a fine of ₹1,000 under Rule 50 of the Central Motor Vehicle Rules and Section 177 of the Motor Vehicles Act, 1988

Benefits of HSRPs with RFID Tags

• Enhanced Vehicle Securit: Difficult to forge or alter, making it easier to trace stolen vehiles.

• Improved Enforcemen: Enables quick retrieval of vehicle details during traffic chcks.

• Standardized Identificatio: Ensures uniformity across all vehicles, aiding in easier identificaion.

• Integration with Smart System: Facilitates future developments such as automated toll collection and smart traffic management systems.

For more information or to book an appointment for HSRP installation, visit the https://transport.maharashtra.gov.in/1035/Home