Can You Raise Claim Under Bike Insurance with a Temporary Vehicle Registration Number?

To ride your bike legally on the Indian roads, you have to abide by certain rules and regulations laid by the Motor Vehicles Act, 1986. When you buy a bike, you get a temporary registration number so that you can obtain a bike insurance policy. For instance, your newly bought buy with a temporary registration number meet with an accident? What should be your next step? Will you get the compensation for the raised claims? Read on.

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Importance of Temporary Vehicle Registration Number

A temporary vehicle registration number is a numeric number allotted by the bike dealer to legally ride the two-wheeler.

As obtaining a permanent bike registration number takes a considerable period, you must have a temporary bike registration number that is valid for one month. During this given period, you must get your bike registered with your nearest RTO (Regional Transport Office) and obtain the permanent bike registration number as early as possible.

Additionally, you can use the online bike insurance calculator available on the internet to compute your premium.

Can You Raise Bike Insurance Claims with a Temporary Bike Registration Number?

Yes, you can easily raise a bike insurance claim with a temporary bike registration number. Your insurer will compensate for all the damages and losses sustained by your two-wheeler even if you do not hold a permanent bike number.

A bike insurance policy is purchased based on the chassis number and engine number of the bike. Also, you need to connect with your insurer once you get the permanent registration number for your bike to update it in their records. The insurer can connect with you in the following two ways-

  1. They can connect with you and update their records via feedback, service, welcome or endorsement call.
  2. During policy renewal, you can ask your insurer to update your bike's registration number. Remember, it is mandatory to provide your permanent bike registration number during the bike insurance policy renewal.

Process of Raising Bike Insurance Claim with a Temporary Registration Number

The claim process for a bike with a temporary registration number is similar to the bike with a permanent registration number. However, the insurer will ask for the engine and chassis number to update it in their system and make the insurance claim process easy.

Here are a few steps that you need to follow to raise a claim under your online bike insurance-

  1. Intimate Your Insurer

    Firstly, you will connect with your insurer and provide the information about the mishap & damages caused to your insured bike. The insurer will ask you for the temporary bike registration number. Remember, always be transparent with your bike insurer while sharing the information related to your mishap.

  2. Fill and Submission of the Claim Form

    Download the bike insurance claim form from your insurer's website or mobile app. Fill in the details properly and attach the required documents to submit it. If you are raising the claim offline, you can visit the nearest branch office of your insurer, and your designated agent will help you in filling & submitting the form.

  3. Assessment & Evaluation

    Next, your insurance provider will assign a dedicated surveyor to calculate the damages & caused to the insured bike. According to it an assessment report will be designed by the surveyor, and based on which the insurer will accept or deny the claim proposal.

  4. Get Your Bike Repaired

    Once the insurer approves your claim proposal request, you can send your damaged bike for repair.

    In the case of a cashless claim settlement process, the insurer will send the damaged bike to the nearest authorized network garage to fix all the damages. Next, you can take your bike from the garage without paying the repair bill except for the deductibles, as it will be settled by the insurer.

    In case of a non-cashless claim process, you will have to take the insured bike to any garage and settle the bill from your own pocket once your bike gets repaired. Next, ask for the repair bills from the garage owner and send the bills to the insurer. Once the submitted bills and invoices have been verified, the insurer will reimburse the repair amount to your bank account.


Every bike owner is furnished with a temporary registration number when he/she buys a new vehicle. If the newly bought bike with a temporary registration number meets with an accident, the insurer will compensate for all the damages as long as the bike is insured. Hence, as a bike owner, you must obtain a bike insurance policy from the very first day.

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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