Insurance
Car Insurance Renewal in Mumbai: How to Renew, Even If It Has Lapsed
By the Gautam Modi Group team · Updated · 4 min read
Quick answer
Renew before your policy expires to keep your No Claim Bonus. Choose an IDV and add-ons (such as zero depreciation) that suit your car's age. If the policy has lapsed, it can usually be renewed after a short vehicle inspection — Krishiv Insurance can help.
Why renew on time?
Your No Claim Bonus can noticeably reduce your premium, but you can lose it if the policy lapses for too long. Set a reminder, or let Krishiv Insurance handle the renewal.
How do you choose the right IDV?
IDV is your car's insured value. Set it too low and you save premium but get less at claim time; too high and you pay more than you need to. Pick a fair value for your car's age.
Which add-ons are worth it?
Zero depreciation, engine protection and roadside assistance are worth considering, especially for newer or premium cars and for monsoon driving.
What if your policy has lapsed?
A lapsed policy can usually be renewed after a quick inspection of the car. Don't drive uninsured in the meantime.
Talk to our team
Book a test drive or a service, get an itemised on-road price, or ask about finance, insurance and exchange.
Frequently asked questions
How do I renew my car insurance in Mumbai?
Renew online or through Krishiv Insurance before the expiry date to keep your No Claim Bonus. Share your policy and car details and we'll compare plans.
Can I renew a lapsed car insurance policy?
Usually yes, after a short inspection of the car. Krishiv Insurance can arrange it.
What is IDV and why does it matter?
IDV is your car's insured value. It affects both your premium and your payout at claim time, so it's worth setting correctly.
Can you insure a car I didn't buy from you?
Yes. Krishiv Insurance works with cars of any make.