What is Car Inspection?

Car inspection refers to the assessment of a car’s condition and is an important part of the car insurance process. An inspection of the car helps an insurance company measure if there are any inherent risks attached to the car and if it is willing to insure the car owner against them in return for a premium. In some scenarios, an inspection of the car is a mandatory requirement for the issuance of a car insurance policy, while in others it is not required. Let’s discuss in detail the scenarios in which, car inspection is compulsory for car insurance.

When is Car Inspection Required?

A car inspection is a mandatory requirement for the issuance of a car insurance policy in the following scenarios:

1. When the Car Insurance Policy Has Expired: If you fail to get your car insurance renewal in time then you mandatorily need to get a car inspection done for policy renewal.

2. In Case of a Change in Car Ownership: When you buy a used car (second-hand car), you are compulsorily required to get a car inspection done if you wish to continue with the car’s existing insurance.

3. During A Switch From Basic To Advanced Plan: A car inspection is compulsorily required by insurance companies if you are switching from a third-party car insurance plan (the most basic car insurance policy) to a comprehensive car insurance plan.

4. Installation of Bi-Fuel Kit: If you get a Bi-fuel kit installed in your car, then also you are mandatorily required to get your car inspected.

5. When Your Car Meets An Accident: If your car meets an accident, then you compulsorily have to get it inspected by your insurer before getting it repaired at a garage. The insurance company also performs a post-repair inspection to assess the condition of the insured’s car.

Methods of Car Inspection

A car inspection can be of two types:

• Self-inspection
• Third-party inspection

Under self-inspection, the policyholder himself/herself performs assesses the condition of the car by sharing its images with the insurance company. The self-inspection option is provided by a majority of the leading general insurance companies in India.

Under the third-party inspection, as the name suggests, the inspection of the car is conducted by either the insurance company or by an inspection agency on behalf of the insurance company.

Also Read: How To Calculate IDV of Car

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.