A lapsed insurance policy can mean uncovered medical bills, an uninsured home, or a voided car insurance claim. DigiVault reminds you 90, 30, and 7 days before any insurance policy expires — so you always stay covered.
Download Free — Never Miss a RenewalInsurance policies lapse silently. Unlike a utility bill that stops working the day it is unpaid, insurance coverage ends without immediate visible consequences — until the moment you need to make a claim and discover you are no longer covered.
A gap in health insurance coverage — even a gap of one month — can result in a pre-existing conditions clause being re-applied when you take out a new policy. In many markets, this means a condition that developed while you were covered can be excluded from your new policy. Beyond that, any medical event during the gap period results in entirely out-of-pocket expenses.
Driving with lapsed car insurance is illegal in most jurisdictions. A single-day gap in cover can void an accident claim entirely — meaning you pay for your own repairs and any third-party damages from your own funds. When renewing after a lapse, insurers typically charge significantly higher premiums due to the break in continuous cover history.
If your home is damaged, flooded, or burgled during a lapse in home insurance, you bear the full cost of repair or replacement. Mortgage lenders often require continuous home insurance as a condition of the mortgage — a lapse can technically put your mortgage agreement at risk.
A lapsed life insurance policy means the death benefit your family was depending on no longer exists. Reinstating a lapsed life insurance policy often requires a new medical examination — and if your health has changed, reinstating at the original premium rate may not be possible.
Every one of these scenarios is 100% preventable with a simple reminder system.
Photograph your insurance policy cover page or renewal notice. DigiVault accepts photos or PDF uploads.
The local extraction engine reads the renewal date from your policy document instantly. No data uploaded to any server.
Receive push notifications at 90, 30, and 7 days before each policy expires. Never discover you are uninsured at the worst possible moment.
Ample time to shop around for better rates before your current policy lapses
Time to initiate renewal directly with your insurer or complete a new application
Final alert — confirm your renewal is processed before the policy lapses
Yes. DigiVault can track an unlimited number of insurance policies simultaneously — health insurance, car insurance, home insurance, life insurance, travel insurance, and any other policy with a renewal date. Each policy gets its own set of 90, 30, and 7-day reminders.
DigiVault's on-device extraction engine reads the renewal or expiry date from your policy document locally on your device. The document itself is then encrypted with AES-256 on your device before any backup — no server ever receives your unencrypted policy document.
Even with auto-renewal, a 90-day reminder is valuable. It prompts you to review your policy before it auto-renews at potentially different terms or premiums, giving you time to shop around or make changes before the renewal locks in.
Yes. DigiVault's multi-profile feature lets you create a profile for each family member and track all their insurance policies from a single dashboard. This is particularly useful for families where different members have separate health, life, or vehicle insurance policies.
Start tracking your insurance renewals today. Free to download. No credit card required.
Get it on Google Play — Free← Back to DigiVault home · Passport Reminder · Driving Licence Reminder