What to record
Add insurer name, policy number, start and end date, premium, coverage scope, and a PDF or photo of the document.
- For OC, record whether the premium is paid once or in installments.
- For AC, note key exclusions, deductible, and claim process where relevant.
Reminder timing
A sensible minimum is 30 days and 7 days before expiry, plus separate installment reminders.
- Add a date for contacting the insurer or comparing offers, not only the expiry date.
- After renewal, add a new policy record instead of overwriting the old history.
After selling the car
The seller should give the buyer OC confirmation and notify the insurer about the sale.
- Record the sale date and proof that the insurer was informed.
- Notify the registration authority separately; it is a different obligation.