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How to Get Bike Insurance Details by Vehicle Registration Number?

According to the IRDA, all bike owners must hold at least a third-party bike insurance policy in India. The bike insurance policy documents play a significant role, and the loss of these papers can lead to claim rejection. However, the bike insurance policy details can be recovered even when one loses it with the help of the registration number of the two-wheeler. Read ahead to understand the process of bike insurance policy download by vehicle number.

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What is the Bike Registration Number?

The bike registration number of any bike/two-wheeler plying on India's roads 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 to give it an identity.

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

This registered number is displayed on the dedicated plate, which is known as vehicle number plate is placed on the back and in front of it. In addition, there is an authorised structure of the registration number, which differs from one vehicle to another.

Therefore, a vehicle number is used to identify a vehicle specifically. It comprises numbers and letters, wherein the first two letters indicate the Indian state code, and the second two letters show the district code. The next letters show the current series of RTOs, and the last four represent the unique vehicle number.

For example - DL 3CCN 4564

This numbering system simplifies identifying, tracking, and searching for a vehicle.

How to Check Bike Insurance Details by Vehicle 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 bike insurance policy end date and do not have the policy number, you can follow the below steps to retrieve the two-wheeler insurance by vehicle number:

  • Step 1: Visit the official website of the State Transport Department/RTO/Ministry of Road Transport & Highways.
  • Step 2: Enter the registration number of your bike and two-wheeler insurance policy details will be displayed here.
  • Step 3: You can also use the website of the Insurance Information Bureau, which IRDA regulates, to get the details for the bike insurance policy.

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

Process of Bike Insurance Policy Download by Vehicle Number

In this digital era, finding your bike insurance details is simpler. If the physical copy of your bike insurance policy is misplaced or stolen, you can follow the below steps for bike insurance policy download by vehicle number:

  • Step 1: Visit the official website of your insurance provider.
  • Step 2: Login to your account using your vehicle registration number, username & password, whichever is available.
  • Step 3: Access your bike insurance policy details once logged in and select the bike insurance policy you need.
  • Step 4: Click on the download policy or similar option like this to get a PDF copy of your bike insurance by vehicle number.
  • Step 5: After downloading the bike insurance policy documents, you can print it out for a physical copy.

Buy or Renew Bike Insurance Online by Vehicle Number

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

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

What Happens When You Don't Have a Vehicle Registration Number Also?

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

This number can be found on the bike's Registration Certificate (RC) in case of theft of a bike.

Other Methods to Find Bike Insurance Policy Details

All the information related to the comprehensive bike insurance policy can be easily recovered by contacting the insurance provider. One must give the insurer as many details as possible to verify the owner.

Once 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 necessary to print a declaration of the lost two-wheeler insurance policy in the newspaper and share it with the insurance provider. In various cases, the lost policy declaration must be provided on the indemnity bond paper, a non-judicial stamp paper.

You may also read Three Easy Ways to Check Bike Insurance Expiry Date Online

Why Should You Perform a Bike Insurance Check by Vehicle Number?

It is vital to perform a bike insurance check to maintain and manage. Here are prominent reasons why one should regularly do a bike insurance check:

  1. Bike insurance checks by vehicle number help verify all the details mentioned in the policy documents. If there is any discrepancy, it can be rectified in time.
  2. It helps you know the policy status, whether active or expired.
  3. Besides, you can also assess whether the policy coverage is adequate depending on your current needs & preferences.
  4. You gear up for bike insurance renewal on time, making the process smooth, as you will be aware of renewal dates & requirements.
  5. Timely bike insurance checks help you understand all the terms & conditions of the policy. Ultimately, it gives you a surety of what is covered and not, avoiding further surprises when raising or settling bike insurance claims.

Few Interesting Facts about Bike Number in India

Here are some interesting facts about bike registration number that you must be aware of:

  • The bike registration number is valid for 15 years after purchasing the vehicle. After that, the motor 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 the age of the vehicle, road compatibility, and pollution emission norms.
  • However, if one moves a vehicle registered in one state to another, they must register it to the state transport department within one year.

For example, if one has moved their vehicle from Uttar Pradesh to Haryana, after completing 12 months, they have to register their 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 their bike registration number, but one should keep a photocopy of the bike insurance policy 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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^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis