Can I submit the photos after 48 hours from the payment time? 

No, you can’t submit photos of your car for verification after 48 hours from the payment time. In this case, the insurance provider will reject your proposal for policy issuance and refund the entire amount to you. 

Note: If the insurance provider rejects the issuance of your policy, you can check for quotes from other insurance providers on PhonePe.

Learn more about when you will receive a refund if your proposal for policy issuance is rejected.