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Yes, you can renew your car insurance policy even if it has lapsed. However, renewing after a lapse involves specific considerations and steps:

  • Contact your insurer – If your policy has lapsed, get in touch with your insurance provider immediately. Inform them about the lapse and express your intention to renew the policy. They will guide you through the process and provide the necessary instructions.
  • Vehicle inspection – In some cases, the insurance company may require a vehicle inspection before reinstating the policy. This is to assess the car’s condition and determine any pre-existing damages.
  • Policy evaluation – Take the opportunity to review your coverage needs during the renewal. Assess any changes in your driving habits or circumstances that may warrant adjustments to your coverage.
  • Premium payment – Pay any outstanding premium and additional fees or penalties for the lapse. The renewal premium may differ from the previous due to the lapse and other factors.
  • No-claim bonus (NCB) – If you had earned an NCB, it might be impacted by the lapse. Check with your insurer about retaining the NCB or starting afresh.


Remember, driving without valid insurance is illegal and exposes you to financial risks. To avoid a lapse in coverage, set reminders for renewal, and renew your policy before it expires. If a lapse does occur, act promptly to reinstate your car insurance to ensure continuous protection and compliance with legal requirements.

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