How to Get Bike Insurance Details by Registration Number?

As per the IRDAI, all bike owners must hold a two-wheeler insurance policy in India. The insurance documents play a significant role, and the loss of these bike insurance papers can lead to claim rejection. However, the details of the bike insurance policy can be recovered even when one loses it with the help of the registration number of the two-wheeler.

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What is the Registration Number?

The registration number of any vehicle that is plying on the roads of India is its legal and official identity number. The Regional Transport Office (RTO) is the authority that issues a registration number to every newly purchased vehicle.

However, it is the vehicle owner's responsibility to get their new vehicle registered at their district RTO within one month from the date of purchase. As soon as the vehicle is registered, a unique number is given to it that is also known as a permanent registration number.

This registered number is displayed on the dedicated plate on the back and in front of the vehicle. Also, there is an authorised structure of the registration number that might differ from one vehicle to another.

Therefore, a registration number is used to identify a vehicle specifically. It is made up of numbers and letters, wherein the first two letters indicate the Indian state code; the second two letters show the district code. The next letters show the current series of RTO, and the last four represent the unique vehicle number. For example- DL 3CCN 4564

This numbering system is simpler and easier to identify, track, and search for a vehicle.

Purchasing Two-Wheeler Insurance by Using Registration Number

While purchasing a two-wheeler or bike insurance policy online, the insured needs to provide their registration number.

Once the insurance policy is purchased, the details of it get attached to the registration number of the vehicle. Also, it can easily be accessed by the RTO, central government, and state government.

How to Get Bike Insurance Policy Details by Registration Number?

A registration number is a unique number given to a two-wheeler. It is used to check the details of the linked two-wheeler.

If you want to know the policy end date and do not have the policy number, you can follow the below steps to retrieve the two-wheeler insurance details by registration number-

  1. Visit the official website of the State Transport Department/RTO/Ministry of Road Transport & Highways.
  2. Enter the vehicle registration number, and all the details of the motor vehicle insurance policy will be displayed here.
  3. You can also the website of the Insurance Information Bureau which is regulated by IRDAI to get the details for the bike insurance policy.

Any of these websites can provide the registration number. Moreover, you easily find information like- policy validity/expiry date and other related bike details.

Process to Renew Bike Insurance Policy with Registration Number

One can use the registration number of their bike to renew their bike insurance policy. The bike insurance is linked to the registration number and one can track the details of the policy with the help of this number. Hence, they can renew a two-wheeler insurance policy on time.

What Does Happen When You Don't Have a Registration Number Also?

The registration number of a vehicle is the same as the number mentioned on the number plate. Hence, one can easily check their bike's number plate to know its registration number.

In case of bike loss, this number can be found on the Registration Certificate (RC) of the bike.

Other Methods to Get the Details of Two-Wheeler Insurance Policy

All the information related to the comprehensive bike insurance policy can easily be recovered by contacting the insurance provider also. One is needed to give as many details as possible to the insurer for the verification of the owner.

As soon as the details are verified, the insurance company issues the duplicate bike insurance policy. However, the insurance company might allocate some fees for issuing a duplicate insurance policy.

Sometimes, it might be needed to print a declaration of the lost two-wheeler insurance policy in the newspaper and share the same with the insurance provider. In various cases, the lost policy declaration is needed to be provided on the indemnity bond paper, which is a non-judicial stamp paper.

Few Interesting Facts about Registration Number of Bikes in India

  • The registration number is valid for 15 years after the purchase of the vehicle. After that, the vehicle is needed to be re-registered for five years. In this way, after 15 years, the vehicle should be registered every five years.
  • The registration of a vehicle issued in one Indian state is valid in all other states of India.
  • A vehicle’s re-registration depends on many factors like the vehicle’s age, its compatibility with the road, and the following pollution emission norms.
  • However, if one moves a vehicle registered in one state to another, then they must register the vehicle to the state transport department of the shifted state within one year.

For example, if one has moved his/her vehicle from Uttar Pradesh to Haryana, after completing 12 months, he/she has to register his/her vehicle in Haryana.

The Bottom Line


As per the Indian road law, it is illegal to ride any bike on the roads of India without insurance. One should at least have a third-party bike insurance policy. However, the bike insurance policy can easily be retrieved through different means, but one should keep the photocopy of the bike insurance plan with them.

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

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