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Car insurance expired? Know these 5 important things before driving
- •Even a single day of policy lapse means your vehicle loses old insurance coverage immediately.
- •Your accumulated No Claim Bonus does not lapse instantly, but usually expires if the policy remains lapsed for over 90 days.
- •There is no standard grace period in motor insurance where the old cover remains active after the expiration date.
- •Driving without valid third-party insurance after policy expiration can lead to severe legal and financial trouble.
- •If your policy has expired, contact your insurer immediately and drive only after the new policy is activated.
Key Questions Answered
As soon as the policy expiration date passes, a gap is created in your coverage. If an accident occurs during this period, the damage will not be compensated by the old policy, meaning you must bear the repair costs out of your own pocket. It is best to avoid driving until a new policy is activated.
No, your No Claim Bonus does not lapse immediately just because the policy date has passed. According to insurance regulator guidelines, the accumulated NCB only risks forfeiture if a comprehensive motor insurance policy remains expired for more than 90 days.
There is no general grace period for paying motor insurance premiums where the old cover remains active after the policy expires. Insurers also typically require a vehicle inspection before reactivating an expired policy, so you should avoid driving until the new policy is fully verified.
