Believe it or not, knowing the number of digits on your car insurance policy number is important. Generally, insurance policy numbers are either nine or 10 digits long. When someone asks you to read off your policy number, it is important to make sure that you know the number of digits. This is one way to check to make sure that you said the correct policy number when reading off your insurance policy. It is extremely easy to mess up reading off a nine-digit number. People often read numbers backward or jump around when they are reading off large numbers. Counting the digits is a great way to make sure that the other person got the correct number.

What Is an Insurance Policy Number?

number

An insurance policy number is essentially proof of an auto insurance policy. The specific policy number ties a person to that policy. No two policy numbers are the same, which is why policy numbers have so many digits in them. However, it can be a little bit difficult to read off your policy number when you are in a rush due to the large number of digits. Your policy number provides proof that your insurance is still valid and not out of date when it is checked by an insurance company.

What Is an Insurance Policy Number Used for?

If you happen to get into an accident, you’re going to be asked for your insurance policy number. Another time when you’re going to be asked for your insurance policy number is when you go to register a vehicle. You have to have insurance in order to register a vehicle and a policy number is proof of insurance. You might also be asked to show your insurance policy to a policeman if you get pulled over. One other time where you might be asked to give out your insurance policy number is when you go to contact your insurance company. For an insurance company to quickly look up your information, an insurance policy number should help.

Where Can I Find an Insurance Policy Number?

No matter the province you live in, in Canada, your insurance policy number should be on some sort of a card. In some provinces this card comes in a particular color, in others, it is just a white piece of paper. However, it is important to make sure you keep this piece of paper in your vehicle. When you get into an accident, the other driver is going to need that information from you.

What Is A VIN Number?

A VIN number is another number that your car insurance provider might ask you for along with your insurance policy number. A VIN number is essentially a number that identifies a vehicle. Ever since the year 1981, there have been standard 17 digit codes on vehicles. This code let’s insurance companies look up the history of the vehicle to see what all has been done to it. This is a very important number for your car insurance company and it has a very large impact on your insurance premium.

Should I Memorize My Insurance Policy Number?

memorize

It is not necessary to memorize your insurance policy number. Not a lot of people have their insurance policy number memorized. However, if you need to call your insurance company on a regular basis, it might be of use to memorize your insurance policy number. If you get pulled over, a policeman is likely going to want actual proof of insurance and not just a policy number that comes out of your head. So, in some circumstances memorizing a policy number might be useful. In other circumstances, not so much.

How Long Does an Insurance Policy Last?

An insurance policy will last you for as long as you and your insurance company decide. Generally, your insurance company will last you either one year, six months or two years. You will likely have a hard time finding an insurance policy that lasts for a longer period than this. When your insurance policy is ready to be renewed, you can expect to receive a renewal notice from your insurance company. This will make it easy for you to renew your insurance policy. Once you renew your insurance policy, you can expect to receive a new insurance policy number in the mail with an updated expiry date.

What Happens If I Forget to Renew My Auto Insurance Policy?

If you forget to renew your car insurance policy, you’re going to need to contact an insurance company. It is illegal to drive when you do not have insurance. If you have caught this before your old insurance policy expires, it should be very easy for you to renew your auto insurance policy. However, if it is after your policy has expired, you might have a bit of a harder time getting insurance. Insurance companies do not like to see lapses in insurance coverage. Lapses in insurance coverage tend to mean that you have been driving without insurance, which is illegal.

How Do I Avoid Forgetting To Renew My Car Insurance Policy?

forgetting

Many people worry about forgetting to renew their car insurance. If you are one of these people, there is something that you can do. Contact your insurance company and ask them to auto-renew your insurance policy. Although this means that you are not going to be able to renegotiate your auto insurance premium, you will not be without insurance at any point in time. More and more insurance companies are doing business in this manner. It helps to keep repeat customers and keep customers from accidentally driving without auto insurance.

To Conclude

Your nine or 10 digit policy number is a very important number to have with you when you’re driving. You never really know when you’re going to need your insurance policy. Without your policy number, it is very difficult to prove that you actually have insurance from your insurance provider. Make sure that you keep extremely good track of where this number is located so that you don’t lose it. You can likely get a replacement piece of paper stating your policy number from your insurance company, but this is definitely something that you should try not to lose.

Resources:

https://www.carfax.com/company/vehicle-identification-numbers-vins
https://www.insuranceproviders.com/how-many-numbers-are-in-an-auto-insurance-policy-number
https://www.nbcnews.com/business/autos/how-much-does-adding-teen-driver-increase-your-auto-insurance-n375691
https://www.uswitch.com/car-insurance/is-my-car-insured/