Know Your Two-Wheeler Insurance: A Quick Guide To Details

As a two-wheeler owner in India, it is a legal requirement to have a valid insurance policy for your vehicle. This insurance policy will have an expiry date, after which you will need to renew it to continue enjoying its benefits. To check the status of your two-wheeler insurance, you can visit the website of your insurance provider, or use online platforms like ACKO, Parivahan, VAHAN, or the Insurance Information Bureau (IIB). You will need to enter your bike's registration number, which can be found on its number plate or Registration Certificate (RC), and, in some cases, additional details such as your full name and mobile number.

Check two-wheeler insurance status online

In India, every two-wheeler must have at least a third-party liability insurance policy to be legally allowed to operate on the roads. Failure to do so can result in hefty fines or legal trouble. Therefore, it is important to be able to check your two-wheeler insurance status online.

There are several ways to check your two-wheeler insurance status online. Firstly, you can visit the official website of the State Transport Department/RTO/Ministry of Road Transport and Highways. Here, you can enter your registration number, and your two-wheeler insurance policy details will be displayed.

Secondly, you can use the website of the Insurance Information Bureau (IIB), which was developed by the Insurance Regulatory and Development Authority of India (IRDAI) to enhance the transparency of the insurance sector. This website contains all the information related to the insurance policies issued in the country, and it is accessible to policyholders. To check your two-wheeler insurance status on the IIB website, follow these steps:

• Visit the IIB official website.
• Click on 'V-Seva' under 'Quick Links' on the home page.
• You will be taken to the ''Accident Vehicle Information Retrieval System' page.
• Fill in the required information, including the owner's name, address, mobile number, email address, and registration number of your bike.
• Fill in the captcha.
• Click on the 'Submit' button.
• Your two-wheeler insurance information will be displayed on the screen, including specific information about your policy and its expiration date.

If you cannot verify the status of your two-wheeler insurance via the IIB portal, you can try using the official website of the Ministry of Road Transport and Highways, known as VAHAN. VAHAN is a comprehensive database for vehicle-related services, including insurance verification. To check your two-wheeler insurance status on the VAHAN website, follow these steps:

• Visit the VAHAN website.
• Click on 'Vehicle-related services'.
• Select your state name from the drop-down menu.
• Under 'Choose option to avail services', enter your registration number.
• Click on the 'Services Menu' and select 'Know your vehicle menu'.
• Enter your registration number, chassis number, and engine number.
• Your two-wheeler insurance details will be displayed.

In addition to the above methods, you can also check your two-wheeler insurance status by visiting your insurance provider's website and uploading your policy details, or by calling your insurance provider's customer care number. It is important to note that you will need your policy number or registration number to access your insurance policy details.

Know the renewal process

Renewing your two-wheeler insurance in India is a straightforward process. It is important to renew your insurance to maintain continuous coverage and avoid lapses. There are two main ways to renew your insurance: online and offline.

Online Renewal

Most insurance providers offer online renewal services. The exact process may vary depending on the provider, but here are the general steps:

• Log in to your account on the insurance provider's website using your credentials.
• Input your vehicle number to retrieve your insurance policy details.
• Follow the instructions on the website to renew your policy. This may involve selecting a renewal option, choosing add-ons or coverage options, and making a payment.
• Once the renewal is complete, you will typically receive a confirmation email and a digital copy of your renewed insurance policy.

Some providers, like Policybazaar, offer a one-stop platform to compare policies from different insurance companies and renew your insurance in just 60 seconds. You can also use the mParivahan Vahan e-services portal to obtain a duplicate of your insurance policy.

Offline Renewal

If you prefer, you can also renew your two-wheeler insurance offline by visiting the office of the lender or insurance provider. Bring your policy details and any other relevant documents with you. You can then work with a representative to renew your policy and make the necessary payments.

Important Notes

• It is legally required to have at least third-party motor insurance for your two-wheeler in India.
• Remember to renew your insurance before it expires to avoid any gaps in coverage.
• Keep your registration number handy, as it is necessary for the renewal process.
• Regularly check your insurance details to verify accuracy and ensure your policy is active.

Understand the importance of a valid insurance policy

In India, it is compulsory for every bike owner to have at least a third-party bike insurance policy. It is illegal to ride a bike without valid third-party insurance, and failure to produce this when asked for by traffic police can result in heavy fines. A third-party policy provides financial protection should your bike cause damage to a third-party's property or vehicle, or injury to a third-party person.

A two-wheeler insurance policy can also protect you and your bike from avoidable expenses in several other situations. For example, it can provide accident cover and protection against damages caused to your vehicle. It is important to know what is and isn't covered by your policy so that you can avoid surprises when you make a claim. For example, your insurance won't cover you if you were riding drunk or without a valid two-wheeler licence, or if you have a learner's licence and were riding without a valid licence-holder on the pillion seat.

You can buy or renew a two-wheeler insurance policy online or directly from the companies. It is important to keep your insurance policy valid and up-to-date, and to regularly check your insurance to verify the accuracy of all the information and details mentioned in the policy document. You can do this by contacting your insurance company using their toll-free number or logging in to your account with your credentials, and inputting your vehicle number to retrieve and download your insurance policy. You can also access the mParivahan Vahan e-services portal and navigate to the 'Online Informational Services' section, where you can choose "Know your vehicle details" and enter your vehicle information to obtain a duplicate of your insurance.

If you are buying a new policy, it is important to decide whether a third-party or comprehensive bike insurance policy is best for you, based on your bike's use and type. You can compare two-wheeler insurance premium quotes based on the insurer's claim settlement ratio, coverage, and add-ons. You can also use a bike insurance calculator to find the premium rates for different plans provided by insurers.

Verify policy details and accuracy

As a two-wheeler owner in India, it is mandatory to have a valid bike insurance policy. It is important to verify the policy details and accuracy to ensure you are financially covered in case of any unforeseen circumstances. Here are the steps you can take to verify your two-wheeler insurance details:

Contact Your Insurance Provider:

You can reach out to your insurance company by calling their toll-free number or by logging into your account on their website. Once you have access, input your vehicle number to retrieve and download your insurance policy. This is a quick and convenient way to access your policy details and check if your insurance is active.

Visit Official Websites:

You can visit official websites to verify your two-wheeler insurance details. One option is to access the mParivahan Vahan e-services portal. Navigate to the 'Online Informational Services' section, choose "Know Your Vehicle Details", and enter your vehicle information. This will allow you to obtain a duplicate of your insurance policy.

Another option is to visit the official website of the State Transport Department, RTO (Regional Transport Office), or the Ministry of Road Transport & Highways. Here, you can enter your registration number to access your two-wheeler insurance policy details. Additionally, you can check the website of the Insurance Information Bureau (IIB), regulated by IRDA, to retrieve your bike insurance details.

Check Third-Party Websites:

Third-party websites like ACKO, Parivahan, and Bajaj Finserv offer convenient platforms to check your two-wheeler insurance status. These websites provide instant access to your policy details, including its validity and expiry date. Simply enter your registration number and follow the instructions to verify your insurance information.

Refer to Policy Documents:

If you have physical copies of your policy documents, you can refer to them to verify the details and accuracy of your two-wheeler insurance. These documents will contain information such as the policy number, validity, coverage details, and other relevant information.

Contact Customer Care Services:

If you are unable to find the information you need online or through your policy documents, you can always contact your insurer's customer care service. They will be able to assist you in verifying your policy details and ensuring accuracy.

By following these steps, you can easily verify the details and accuracy of your two-wheeler insurance policy, ensuring that you are properly insured and compliant with the legal requirements in India.

Access policy details via the insurer's website

As a two-wheeler owner, you must carry a valid bike insurance policy. You can access your two-wheeler insurance policy details by visiting your insurance provider's website. Here is a step-by-step guide to accessing your policy details via the insurer's website:

• Visit the official website of your two-wheeler insurance provider. Most insurance providers have a dedicated section or portal for policyholders to access their policy details. Log in to your account using your registered mobile number and/or email address.
• Once logged in, navigate to the relevant section for policy information. This could be labelled as "Policy Details," "My Policy," or something similar. You may need to enter your policy number or other identifying information to access your specific policy.
• Review your policy details, including the type of coverage, validity/expiry date, and any other relevant information. You may also be able to download a copy of your policy document for your records.
• Some insurer websites may offer additional features, such as the ability to update your policy, file a claim, or make changes to your coverage. Familiarize yourself with the available options to take full advantage of the online services provided.
• If you encounter any issues or have specific questions about your policy, contact your insurance provider's customer support. They should be able to guide you through the process of accessing your policy details and answer any queries you may have.

Remember to keep your login credentials secure and confidential to protect your personal information. Additionally, bookmark the insurer's website for quick access in the future. By accessing your two-wheeler insurance policy details online, you can conveniently stay informed about your coverage and ensure compliance with legal requirements.

Frequently asked questions