Parivahan Sewa & RTO: How to Check Your Bike Insurance Status Online?

If you live in India and own a bike then you must be aware that it is mandatory to have a bike insurance policy. To abide by the traffic rules two-wheeler owner must have third-party liability insurance. You must carry it while riding on Indian roads. As per the Motor Vehicle Act, 1988, every motor vehicle owner must have a valid insurance policy.

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When online operations took over and the internet became the medium for everything online, private and government sectors have launched their official website. When people shifted from offline mode to online mode, tasks became easier to complete.

From purchasing clothes to purchasing insurance policies. Since we are here to talk about Parivahan Sewa and RTO and how can you check your bike insurance status online. Apart from this, we will also tell you about some other aspects related to the bike insurance policy. Let us begin with the validity of the bike insurance policy.

Validity of Bike Insurance Policy

All bike insurance policies come with an expiry date. Most of the bike insurance policies come with one-year validity. The policyholder must renew the policy before the expiration date.

If you have recently purchased a bike then you must purchase a two wheeler insurance policy. Although there are policies with 1 to 3 years of tenure, the policyholder can purchase according to their requirement. It is advised to renew the policy on time and let us tell you why?

Why Bike Insurance Policies Should be Renewed before Expiration?

The insurance company will not provide you cover if you do not renew your policy before expiration. There are several complications if you do not renew your policy on time. Here are those complications:

Violation Leads to Penalty

As you know that covering your bike with an insurance policy is mandatory and if the policy expires and you do not renew it on time then it comes under the violation of the motor vehicle law. If the traffic police catch you and you could not show them the insurance policy when asked, they can issue a challan against you.

The penalty for not carrying a valid insurance policy in India is Rs. 2000 and/or 3 months of imprisonment, community service, if you commit the same violation for the second time then you will be fined Rs. 4000.

Rejection of Claim

If you do not renew your policy on time then the insurance company can reject your raised claim. The insurance company will not cover the third-party liability in case of damage or loss caused in an accident. You will have to pay for the damage or loss out of pocket. The whole purpose of the insurance policy will be lost.

Higher Premium Rate on Renewal Post Expiry

If the bike insurance policy has lapsed and the insurance company agrees to renew the policy then they will charge you with higher premium rates after witnessing your carelessness. Apart from this, the insurer will also inspect your bike for the damage, you will have to a higher amount when they will renew the policy.

Loss of NCB

NCB stands for No Claim Bonus. It is an added benefit and provides you a certain percentage of saving on your premium rate on renewal for every consecutive year only if the policyholder does not raise a claim. You can save up to 50% on your premium rates if you do not raise a claim for 5 consecutive years.

Now that we have told you about the repercussions, let us tell you that how can you check your policy’s status online on Parivahan Sewa as well as RTO?

How to Check Bike Insurance Policy Status Online on Parivahan Sewa?

The Ministry of Road and Transport & highways launched and maintained a website known as Parivahan Sewa. It is a centralized website. It has the data stored of all the vehicles in the country. When a person purchases the motor vehicle insurance policy or renews it, it updates the data on the website within two days.

Here are the steps to check your insurance policy status online on Parivahan Sewa website:

  • Make sure that you have internet access.
  • Visit the Parivahan Sewa official website.
  • You will see a tab on the menu bar “Informational Services” click on it.
  • Then click on the “Know your vehicle details’ tab from the drop-down menu.
  • Now it will take you to the Vahan NR e-Services page.
  • To log in, enter your registered mobile number.
  • Then fill in your bike registration number and verification code.
  • Click on the “Search vehicle” tab.
  • The details on your bike and the expiry date of the insurance policy will appear on the screen.

How to Check Bike Insurance Status Online through RTO?

The Regional transport office (RTO) registers every vehicle. To know about the expiry date of your bike insurance policy, you have to visit the website of your state’s RTO. You can follow the steps mentioned below to check your insurance policy status online:

  • Visit the RTO’s website
  • Click on the option “Online Services for citizens
  • You will see an option of “Vehicle Related Online Services” click on it.
  • Then click on the “VAHAN Citizen Services” link.
  • You can see a tab on menu bar as “Status” click on it.
  • Now you will see a tab with “Know your vehicle details” Click on it.
  • Enter your bike’s registration number, engine number, and chassis number.
  • You will have to fill in the Captcha code visible on the screen. And submit the details.
  • Now you will see the details of your vehicle on the screen and your insurance status as well.


Renewing your bike insurance policy before expiry date is as important as covering your bike with at least third-party bike insurance. It is really easy because of the online services provided by the insurance companies. Now you can purchase insurance policies online and renew them as well. It is recommended by the insurance industry experts because it makes the task easier and cost-effective. You can check the status of your insurance policy online on either Parivahan Sewa website or your state’s RTO website.

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

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