Three Easy Ways to Check Bike Insurance Expiry Date Online

Why is it Important to Check Your Bike Insurance Expiry Date?

Every bike insurance policy, whether you own a third-party bike insurance policy or a comprehensive bike insurance policy, comes with a specific validity period (usually one year). Once it expires, you lose coverage against accidents, theft, and third-party liabilities. By performing a bike insurance check by vehicle number or through official portals, you can stay informed about your bike insurance validity and renew it on time to avoid penalties.

How to Check Bike Insurance Online?

In India, every two-wheeler owner is required to have a third-party bike insurance policy, which provides coverage against losses or damages incurred by the third party or their property. On the other hand, a comprehensive bike insurance policy covers losses or damages to one's own vehicle and third-party liabilities. 

However, one common feature of all bike insurance policies is that they all have an expiry date. To enjoy the policy benefits, you have to renew it on time as a bike owner. 

Therefore, you must be aware of the bike insurance expiry date mentioned in the policy. You can quickly check the details of your bike insurance policy online using these two methods:

1. Through Policybazaar.com (Insurance Provider)
2. Through the VAHAN Portal

You only need a smartphone or a laptop and good internet connectivity to conduct a bike insurance check online. Here are the steps explained to find the policy details from all online platforms:

1. Check Your Bike Insurance Status via Policybazaar.com

   All insurance providers maintain records of the insurance policies they issue. You can check the expiry date of your bike insurance by logging in to your insurer's website.

   If you have purchased a bike insurance policy from Policybazaar.com, follow the procedure below to retrieve your bike insurance expiry date:

   • Step 1: Visit the “Check Bike Insurance Expiry” page available on the official website of Policybazaar Insurance Brokers Private Limited.
   • Step 2: Enter a valid bike or registration number and click “Continue”.
   • Step 3: Enter your full name and mobile number, and then click on “View Details”. Next, you will provide bike insurance details, including its expiry date.

   The steps to check bike insurance policy details may vary from one insurer to another. However, most insurer websites allow you to check your bike's expiration date by providing its registration number.

   Tip: If you're wondering how can I check my bike insurance status online with another insurer, visit their official website and most insurers offer a similar feature.

2. Check Bike Insurance Status Via VAHAN Portal

   To determine your bike insurance expiry date through official government records, you can conduct an RTO insurance check online using the VAHAN e-Services portal. This centralised database is maintained by the Ministry of Road Transport and Highways (MoRTH) and is linked to all Regional Transport Offices (RTOs) across India.

   By using the RTO bike insurance check feature, you can view your vehicle registration details, two wheeler insurance validity, and other key policy information in just a few clicks.

   Here's how to perform an RTO insurance check for two wheeler online:

   • Step 1: Visit the official VAHAN e-Services portal.
   • Step 2: Click on "Know Your Vehicle Details" from the main menu. This will redirect you to the vehicle details search page.
   • Step 3: Log in with your registered mobile number. If you don't have an account, click on "Create Account" and complete the registration process.
   • Step 4: Enter the vehicle registration number in the required field and click on "Vahan Search."
   • Step 5: Once the system verifies your credentials, you will see your vehicle details, including registration date, chassis number, fuel type, fitness certificate validity, and most importantly, the bike insurance policy expiry date.

How to Check Bike Insurance Expiry Date Offline?

You also have the option to review your policy details offline. Below are the two ways by which you can get the vehicle insurance policy details:

• Call your insurance provider and get assistance from them
• Or else, visit the respective RTO to get more information.

Common Issues While Checking Bike Insurance Online

Here are some reasons you might not see your bike insurance details online:

• You entered an incorrect registration number.
• Your policy expired a long time ago and has not been updated in the database yet.

If this happens, contact your insurance provider directly for help.

Reasons to Perform a Bike Insurance Check Online

Regularly performing a bike insurance check online is a smart way to stay informed about your policy's validity and avoid any last-minute surprises. Since riding an uninsured two-wheeler is a punishable offence under the Motor Vehicles Act, 1988, keeping track of your bike insurance status lets you stay away from bike insurance challans and ensure your vehicle remains protected at all times.

Here are some key reasons to check your bike insurance status online:

• Avoid Legal Penalties: Verifying your policy expiry date helps you renew it on time and avoid traffic fines for riding without valid insurance.
• Ensure Continuous Coverage: Checking your policy ensures there's no break in coverage, protecting you financially in case of accidents or third-party liabilities.
• Verify Policy Authenticity: Online insurance checks through government portals, such as VAHAN or IIB, confirm that your insurance details are genuine and up-to-date.
• Quick & Hassle-Free Access: You can access your policy details anytime, without needing to visit the insurer's branch or contact customer support.
• Useful During Renewal or Claims: Knowing your current insurance details makes it easier to renew your policy or initiate a claim without delay.

In short, an online bike insurance check is a convenient and reliable way to ensure your two-wheeler remains protected at all times.

Benefits of Checking Bike Insurance Online

Performing a bike insurance check online offers several benefits, such as:

• Instant access to insurance policy details
• Easy tracking of expiry dates
• Hassle-free renewal through online platforms
• Helps you avoid penalties or lapses in coverage

You can even use a bike insurance check app to view your policy details anytime, anywhere.

How to Download Bike Insurance Copy Online?

Suppose you've lost your physical bike insurance document or want a soft copy for quick access. In that case, you can easily download your bike insurance copy online through your insurer's website or government portals. This digital copy holds the same legal validity as the printed one and can be shown to traffic authorities when required.

Here's how you can download your bike insurance policy online:

1. From the Insurer's Website/App:

   • Visit your insurer's official website.
   • Log in using your registered mobile number, policy number, or email ID.
   • Go to the "My Policies" or "Download Policy" section.
   • Select your active bike insurance policy and click on “Download Policy Copy” or “Get Policy PDF”.

2. From VAHAN Portal:

   The VAHAN e-Services portal also allows you to view your insurance details online. You can take a screenshot or print a copy for your records; however, it's advisable to keep the official policy PDF downloaded from the insurer's website for future reference.

   By downloading your two-wheeler insurance copy online, you ensure that you always have proof of insurance readily available, whether for renewal, claim filing, or while commuting.

FAQs - Checking Bike Insurance Validity Online