7 Ways to Check Whether Your Car Insurance Policy Is Fake
Buying car insurance is an important step to protect your vehicle and your finances. Unfortunately, many car owners fall victim to fake car insurance policies sold by unauthorized agents or fraudulent websites.
To avoid such scams and ensure your car is genuinely protected, here are 7 reliable ways to verify if your car insurance policy is real or fake.
1. Verify Policy Details on the Insurer’s Official Website
Every genuine insurance company in India allows policyholders to check policy authenticity online.
Go to the official website of your insurance provider and look for the “Policy Verification”or “Policy Status” section.
Enter your policy number, vehicle registration number, and other required details.
If your policy doesn’t appear in the insurer’s database, it’s a red flag.
👉 Quick Tip: If you’re confused about the verification process, you can always contact Policy Mithra’s experts for guidance.
2. Cross-Check with the IRDAI Portal
The Insurance Regulatory and Development Authority of India (IRDAI) oversees all licensed insurers in India.
Visit the IRDAI website and check if your insurer is listed there.
A company not registered with IRDAI cannot issue valid insurance policies.
You can also call IRDAI’s toll-free helpline (155255) to report suspicious policies.
3. Use the IIB (Insurance Information Bureau) Portal
The IIB portal (https://iib.gov.in) maintains a record of insured vehicles across India.
Enter your car’s registration number and chassis number to check if your car insurance policy is active.
If your details are missing, your policy might be fake or not yet registered.
4. Inspect the Policy Document Carefully
A fake policy often has inconsistencies in fonts, logos, policy numbers, and spellings.
Look for:
- The insurer’s correct logo and name
- A valid policy number
- The IRDAI license number
- The insurer’s contact details
If anything looks odd or unprofessional, contact the insurance company directly for confirmation.
5. Check for Digital Policy Issuance and QR Codes
Genuine car insurance policies today are often issued digitally with a secure QR code.
You can scan the QR code using your phone to verify the policy’s authenticity.
If the policy lacks a QR code or the code doesn’t lead to a valid page, it’s worth investigating.
👉 Need help scanning and verifying your policy? Policy Mithra’s claims and support team can assist you.
6. Speak Directly with the Insurance Company
If you bought your policy through an agent or third-party website, always cross-check with the insurance company.
Use the insurer’s official customer care number or email ID found on their website.
Provide your policy number and ask them to verify its status.
7. Buy Car Insurance Only from Trusted Platforms
The easiest way to avoid fake policies is to purchase car insurance from trusted and verified platforms. Policy Mithra partners only with IRDAI-registered insurers, ensuring that every policy you buy is 100% genuine.
You also get:
- Transparent premium comparisons
- Hassle-free online policy issuance
- Quick claim support when you need it the most
Final Thoughts
Fraudulent car insurance policies can leave you unprotected and financially vulnerable in case of accidents or damages.
Always double-check your policy through the above steps to safeguard yourself from scams.
For authentic car insurance plans and expert support, visit Policy Mithra — a trusted platform to compare, buy, and renew your car insurance hassle-free.
