Understanding Bike Insurance: Know Your Policy Details

In India, two-wheeler owners must have third-party insurance to ride their bikes legally. To check your bike insurance details, you can use your registration number on various online portals, such as the VAHAN e-service website, the State Transport Department website, the RTO website, or the Insurance Information Bureau (IIB) portal. These websites will allow you to access information about your insurance plan, including the expiry date, by simply entering your bike's registration number. It is important to regularly check your bike insurance status and stay updated on your policy details to ensure you are always covered in case of unforeseen accidents or theft.

Using the VAHAN portal

The VAHAN portal is a national registry containing details of all registered vehicles in India and their insurance policy details. It is maintained by the Ministry of Road Transport and Highways. The portal is a convenient way to retrieve a vehicle's insurance details. Here is a step-by-step guide to checking your bike's insurance details using the VAHAN portal:

Step 1: Visit the VAHAN Portal

Go to the VAHAN e-services official website.

Step 2: Click on "Know Your Vehicle"

On the homepage, look for the "Know Your Vehicle" option. This will allow you to access the Vahan NR e-Services portal.

Step 3: Log in or Register

Log in using your registered mobile number. If you are a first-time user, you will need to create a new account.

Step 4: Enter Vehicle Details

Input your bike's registration number and the CAPTCHA code displayed on the screen. The registration number is a unique alphanumeric code assigned to your bike by the Regional Transport Office (RTO).

Step 5: Search Vehicle Details

Click on the "Search Vehicle" option. The system will display all relevant details, including your bike's insurance status, policy expiry date, and owner's details.

Other Ways to Check Bike Insurance Details:

In addition to using the VAHAN portal, there are several other ways to check your bike insurance details:

• Visit the RTO portal or the official Parivahan website and enter your bike's registration number.
• Contact your insurance company using their toll-free number or log in to your account on their website or mobile app using your credentials.
• Check your inbox for an email from your insurer containing the policy document and expiry date.
• Visit the IIB's official website and enter the required information, such as your name, email address, mobile phone number, address, bike registration number, and accident details if applicable.

Using the mParivahan Vahan e-services portal

The mParivahan Vahan e-services portal is a useful online tool for those looking to access their bike insurance details. This portal is part of the Parivahan Sewa services provided by the Ministry of Road Transport & Highways. The portal offers a range of services related to vehicle registration and driving licences, including the ability to check bike insurance details.

To use the mParivahan Vahan e-services portal to know your bike insurance details, you will need to follow these steps:

• Visit the official website of the mParivahan Vahan e-services portal, which is parivahan.gov.in.
• Navigate to the 'Online Informational Services' section of the website.
• Look for the "Know Your Vehicle Details" option, which is usually in the top menu.
• Enter your vehicle registration number and any other required details, such as the verification code or Captcha code.
• Click on the "Search Vehicle" or "Submit" button.
• Your bike's details, including insurance information, will then be displayed on the screen.

By following these steps, you will be able to access your bike insurance details, such as the policy status, renewal date, and expiry date. It is important to keep this information up-to-date and easily accessible, especially when making insurance claims or in case of emergencies. Additionally, when buying a new bike, remember to register it at your local transport office to obtain a unique registration number, which is essential for purchasing bike insurance.

Using the InsuranceDekho website

Step 1: Visit the InsuranceDekho Website

Go to the official InsuranceDekho website. You can find it by searching for "InsuranceDekho" on your preferred search engine. Make sure to select the correct website, as there may be similar websites with slightly different spellings or domain names.

Step 2: Select "Renew Policy"

Once you are on the InsuranceDekho website, look for the header menu at the top of the page. In this menu, you should find an option labeled "Renew Policy." Click on this option to initiate the process of checking your bike insurance details.

Step 3: Enter Your Mobile Number and Verify

On the next page, you will be asked to provide your mobile number. Enter your mobile number in the designated field and then verify it through OTP (One-Time Password) that you will receive via SMS. This step helps authenticate your identity and ensure secure access to your insurance information.

Step 4: Access Your Dashboard and Select Your Policy

After successful verification, you will be directed to your personal dashboard on the InsuranceDekho website. On this dashboard, you will find a list of all your open insurance policies. Select the specific bike insurance policy for which you want to view the details.

Step 5: Review Your Policy and Make Changes (If Needed)

Once you have selected your bike insurance policy, you will be able to review the policy details. Take the time to go through the information presented, including coverage, premium amount, and policy term. If you need to make any changes or updates to your policy, you can do so at this stage before proceeding to renew the policy.

Step 6: Proceed to Renewal and Payment

If you are satisfied with your policy details and have made any necessary changes, you can now proceed to renew your bike insurance policy. Choose your preferred payment method, such as UPI, debit or credit card, or net banking, to complete the renewal process.

By following these steps, you can conveniently access and manage your bike insurance details using the InsuranceDekho website. Remember that the InsuranceDekho website primarily assists with policy renewals, and for comprehensive policy information, it is recommended to refer to your insurance provider's official website or mobile app.

Using the IIB website

The Insurance Information Bureau (IIB) website was introduced by the Insurance Regulatory and Development Authority of India (IRDAI) to ensure the seamless functioning of the insurance sector. The website provides a user-friendly interface and is easy to navigate. It offers a centralised online platform where you can obtain relevant information about insurance plans issued by insurers.

• Visit the IIB's official website.
• On the homepage, locate the 'Quick Links' section.
• Click on the 'V-Seva' option under the 'Quick Links' section. This will direct you to the Accident Vehicle Information Retrieval System page.
• On the form that appears, fill in all the required information, including your name, email address, mobile phone number, address, bike registration number, and accident details (if your bike was involved in an accident).
• Enter the text or Captcha displayed on the screen.
• Click on the 'Submit' button.
• Once you submit the form, you will be able to view the details of your motor vehicle insurance policy, including the expiry date.

It is important to note that the IIB website contains information related to motor vehicle insurance policies purchased after 1st April 2020. Additionally, you can only view the details of your policy up to three times using the same email address and mobile number.

Using the State Transport Department website

The State Transport Department website is a valuable resource for checking your bike insurance details. Here's a step-by-step guide on how to use it:

Step 1: Understanding the Registration Number

Before you begin, it's important to know your bike's registration number. This unique set of alphanumeric characters is allotted by the Regional Transport Office (RTO) when you register your bike. The registration number helps identify your bike and its owner. It typically includes information about the region where the bike is registered, including the state, district, and city. You can usually find this number on your bike's number plate, in the Registration Certificate (RC), or even in the Owner's Manual.

Step 2: Locating the State Transport Department Website

Now, you need to find the official website of the State Transport Department, also known as the RTO, in your region. This website will be your primary tool for checking insurance details. The specific URL may vary depending on your state and region, so make sure to locate the correct website for your area.

Step 3: Navigating the Website

Once you're on the State Transport Department website, look for sections labelled as "vehicle-related services" or something similar. These sections usually host tools and portals related to vehicle registration and insurance. You may need to create an account or log in to access certain services.

Step 4: Entering the Registration Number

When you find the appropriate portal or page for insurance details, you'll be prompted to enter your bike's registration number. Carefully input the number, as this will retrieve the associated insurance information. Some websites may also ask for additional details, such as your name, contact information, or other vehicle specifications.

Step 5: Accessing Insurance Details

After submitting the registration number, the website will display the insurance details associated with your bike. This typically includes information about the insurance provider, policy number, validity or expiry date, and other relevant information. Take note of these details and consider saving them for future reference.

It's important to keep in mind that the specific layout and navigation of the State Transport Department website may vary depending on your region. However, the central function of checking insurance details by inputting the registration number remains consistent across different states. Additionally, remember that you can also use other platforms, such as the Insurance Information Bureau (IIB) website or insurer websites, to cross-reference and retrieve your bike insurance information.

Frequently asked questions