Motor Insurance

Check Bike Insurance

by SMCIB on Tuesday, 02 January 2024

Check Bike Insurance

Easy Ways to Check Bike Insurance Expiry Date Online

Ensuring your bike has active insurance is crucial for legal road usage. According to the Motor Vehicle Act, having at least third-party insurance is mandatory for your vehicle to be on the road. To make sure your vehicle is always protected, it is important to regularly monitor and renew your insurance policy before it expires.

The policy expiry date is the specified date until which your vehicle remains insured. Once this date passes, your coverage ends, leaving your vehicle without protection. Checking your bike insurance expiry date online is simple and can be done through various platforms that include –

  1. Insurance Information Bureau
  2. Parivahan Portal
  3. Insurance Provider's Website
     

How to Check Bike Insurance Online Easily?

After you buy insurance, checking your bike insurance details online is a hassle-free process. Here’s how you can do it -

Through the Insurance Information Bureau Website

Here are the steps to follow to check bike insurance online via insurance information bureau website -

  • Go to the Insurance Information Bureau website.
  • Look for the 'V Seva' option under 'Quick Links' on the homepage and click on it.
  • A new page will open and will require you to add details in a form.
  • Fill in essential details like your name, address, registration number, etc.
  • Submit the form after correctly entering the captcha.
  • Your bike insurance policy's expiry date will then be promptly displayed.

Through Parivahan Portal

The Government of India's Ministry of Road Transport and Highways maintains a record of all vehicle insurance policies on its VAHAN website. To check bike insurance expiry date on the website, here’s what you need to do  –

  • Go to the official VAHAN website.
  • Look for the 'Know Your Vehicle Details' tab at the top of the page and click on it.
  • Create an account by entering your mobile number and complete the account creation process.
  • Enter your bike number, any required verification code, etc.
  • Click on the 'Search Vehicle' option.
  • Your bike insurance policy details will be displayed.
  • You can find the expiry date under the 'Insurance Up to' tab.

Through Your Insurance Provider

Your insurance company holds all the details about your insurance policies and to check your bike insurance status, you can follow these simple steps –

  • Log in to the official website of your insurance provider.
  • Navigate to the section where you can view your policy details. Please note that the login process may differ across insurers.
  • Usually, you will need to enter your policy number, mobile number or bike registration number to get the expiry date of your bike insurance.

You should however remember that the policy document also carries information about the expiry date.
 

Other Ways That You Can Check Bike Insurance Policy Expiry Date

A few other ways through which you can access details about your insurance policy’s expiry date include-

Regional Transport Office (RTO) Website

Apart from the previously mentioned methods, you can also check your bike insurance status on the official website of your Regional Transport Office (RTO). It is crucial to understand that no vehicle can be legally driven in public without proper registration as mandated by Section 39 of the Motor Vehicle Act of 1988.

The regional transport office in your area maintains records of both your vehicle and its insurance details. Here's how you can check your bike insurance expiry date through the RTO website –

  • Access the online portal of your Regional Transport Office.
  • Log in and enter the registration details of your bike.
  • Once logged in, you will find comprehensive details about your bike insurance policy, including the expiry date.

State Transport Department

Your State Transport Department keeps track of your vehicle and its insurance details. To check your bike insurance status, follow these steps –

  • Log in to your account on the State Transport Department's website.
  • Enter the necessary credentials to view the expiry date of your bike insurance.
     

How to Check Bike Insurance Expiry Date Offline?

Verifying your bike insurance status offline might seem a bit old-fashioned, but it is a practical approach – especially for those who are not very comfortable with online platforms. Here's how you can do it –

  1. Check Your Insurance Policy Document
    Your insurance policy document holds all the important details about your insurance agreement, including the expiry date. Just keep it safe and refer to it to know the status of your bike insurance.
     
  2. Reach Out To Your Insurance Agent
    If you purchase your insurance policy through an agent, you can directly contact them. They will have records of all their clients' policies and can easily provide you with the expiry date of your bike insurance.
     
  3. Visit The Insurance Company's Office
    You can directly visit your insurance company's office and the customer service team there can provide all the information you need after verifying your details.
     
  4. Call Customer Service
    Every insurance company has a customer service helpline. Simply dial the number, share your policy details, like the policy number, etc. and you will quickly receive information about your bike insurance's validity.
     

Benefits of Checking Bike Insurance Status Online

To ensure financial protection, it is crucial to stay informed about your bike insurance status. Here are a few advantages of verifying your bike insurance online –

  • Uninterrupted Coverage
    You will be able to keep tabs on your insurance policy's expiry date by checking it online. This ensures timely renewal, guaranteeing continued coverage.
     
  • Prevent Unnecessary Expenses
    When you miss the renewal deadline it ultimately leads to policy lapse. In case of an accident during this period, the insurance company will not cover for the incurred expenses and you will have to pay for such costs from your pockets. However, if you check bike insurance status online you will be able stay on track with your policy and avoid such unnecessary costs.
     
  • Convenience and Time Efficiency
    Verifying your bike insurance status online is a very simple and convenient process that can help save a lot of time. Access all details with just a few clicks, eliminating the need for physical visits to insurance offices or agents.
     

Reasons to Perform a Bike Insurance Check

Here’s why performing a bike insurance check is essential –

  • Verify Policy Details
    By checking your bike insurance policy document online, you can confirm that all the details in it are accurate. If there are any discrepancies, you will be able to address them promptly.
     
  • Ensure Active Status
    Regularly confirming your insurance status prevents you from unintentionally riding with an expired policy, which is legally punishable. Keep yourself informed to remain in compliance with the law.
     
  • Evaluate Coverage
    A bike insurance check lets you assess if your coverage aligns with your current needs and lifestyle. It allows you to make necessary adjustments or enhancements to your policy that ensure you are adequately protected.
     
  • Premium Payment Tracking
    Regular bike insurance checks help you keep an eye on your premium payment schedules. This ensures timely payments, preventing policy lapses and keeping your coverage intact.
     
  • Compliance With Legal Requirements
    Stay on the right side of  the law by conducting routine two-wheeler vehicle insurance status checks online. This helps you avoid potential fines or penalties for non-compliance with legal requirements.
     
  • Preparation For Renewal

Consistently reviewing your policy keeps you well-prepared for policy renewals. Staying well-informed about crucial dates and requirements contributes to a smoother renewal process.

  • Claim History Review
    Through a bike insurance check, you can review your claim history and better understand your insurance journey. This practice aids in preparing for future claims based on past experiences, ensuring a more informed and confident approach.
     
  • Keep Personal Details Updated
    Regular insurance checks ensure that your personal information and bike details are up-to-date. This ensures that claims and other transactions go through smoothly.
     
  • Unlock No Claim Bonus (NCB)
    Regularly checking your bike insurance status online lets you understand and keep track of the No Claim Bonus. It is a reward offered by the insurer for not making claims, in a policy year.
     
  • Stay Informed About Policy Terms
    You should also make it a habit to conduct routine insurance checks to stay familiar with your policy's terms and conditions. This clarity prevents surprises during claims, ensuring you know exactly what is covered and what isn't.
     
  • Explore Additional Benefits
    Doing a bike insurance check gives you the opportunity to explore any extra benefits or add-ons that you might want to add to your policy.
     

FAQs

  1. How can I check my bike insurance details?
    To check your bike insurance details, you should -
  • Refer to your policy documents.
  • You can access this information by visiting the official website of your insurance company. Simply input your policy details to retrieve the necessary information.
  • If you prefer a more direct approach, reach out to the insurance company's toll-free number for assistance.
  • Also, you can conveniently check your insurance details by visiting either the Parivahan site or the IIB site.
  1. How do I download my bike insurance paper?
    To download your bike insurance paper, head to the website of the insurance provider from whom you purchased the policy. Log in to your account using your registered email ID and password. Once logged in, navigate to the policy section and easily locate your bike insurance policy for download. This user-friendly process ensures quick access to your essential insurance documents.
     
  2. Can I get my bike insurance expiry date online even if I have lost my vehicle's registration number?

It is highly unlikely to lose your bike's registration number, as it is engraved on your number plate and mentioned in both your RC and insurance policy. However, in case of such an occurrence, you should contact the RTO to retrieve registration details from their records. You can also use the engine and chassis number to check your insurance status online.

  1. Is it possible to renew bike insurance online after the expiry date?
    Yes, you can renew your bike insurance online even after it has expired. Simply visit our website or use the mobile app for a hassle-free renewal process. You should keep in mind that the insurer might require a bike inspection depending on the gap between the expiry date and the new policy purchase date. Renewing your policy promptly ensures continued coverage without any disruptions.
     
  2. What to do if my bike insurance renewal shows a future date?
    You can ensure seamless insurance coverage by renewing your bike insurance ahead of time. Ensure you renew your policy at least 5 to 10 days before the expiration date to avoid any gaps in coverage.
     
  3. Is it possible to get new policy documents if the original document is lost or misplaced?
    Obtaining a copy of your bike insurance document is a simple process. You can reach out to your insurance company and request them to send the document. You can also download the policy from the "my account" section in the insurance company’s website.

 

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