Understanding Break-in Period in Bike Insurance Renewal

As a two-wheeler owner, you must have active bike insurance to avail legal and financial coverage against risks arising while driving on the roads. However, if you forget to renew your bike insurance policy on the due date, your policy becomes inactive. In such a case, insurance companies offer a specified period to revive your policy coverage, i.e., the break-in period. Do you want to know more about this insurance jargon? Read on!

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What is the Break-in Period in Bike Insurance Policy?

A bike break-in period is between the policy expiry and renewal dates. Let us understand this with the help of an example:

If your bike insurance policy was due for renewal on 30 April 2023, you forgot to renew on time. However, you renewed your bike insurance policy on 7 May 2023. In this case, the gap of 7 days between the policy renewal dates is called the break-in period.

Usually, the motor insurance companies in India offer a break-in period for relevant days. However, the break-in period in bike insurance might differ from insurer to insurer. Therefore, you must read policy wordings to understand the exact allowance offered by your bike insurance company.

Consequences of Not Renewing Your Two-wheeler Insurance in the Break-in Period

From legal troubles to financial obligations, you can face some severe problems when you do not renew your bike insurance even during a break-in period-

  1. Legal Troubles

    As per the Motor Vehicle Act of 1988, all motor vehicle owners must buy at least third-party liability insurance to ride their vehicles on Indian roads. This means it is illegal to drive your bike without any insurance. If your uninsured two-wheeler is involved in an accident and causes injury to a third party, then there are chances of legal hassles.

  2. No Financial Security

    The primary objective of any insurance policy is to offer financial security to the insured party against several unforeseen circumstances. You might face financial constraints if your uninsured two-wheeler is involved in an accident or gets stolen.

    During the break-in period, you do not have insurance coverage. Therefore, avoid riding your uninsured two-wheeler during the break-in period and renew it on time.

  3. Effect on No Claim Bonus (NCB)

    The break-in period in your motor insurance is the duration between the expiry date of the policy and the renewal date of the policy. During this period, you can enjoy the benefits of a No Claim Bonus (NCB) for 90 days of the policy expiry.

    In motor insurance, your insurer offers a No Claim Bonus (NCB) for not raising a single claim during the policy tenure. You can use this NCB discount while renewing your own damage cover. If your policy expires beyond 90 days, it becomes invalid, and you will lose the accumulated bonus (NCB). Moreover, you will have to buy a new policy for your vehicle.

You may also read Understanding Grace Period in Bike Insurance Renewal

Some Common Myths about Break-in in Bike Insurance Policy

While renewing your break-in insurance, there are some myths about it that usually customer face. It is crucial to debunk some common myths about it; hence, check the below to understand these:

Myths Facts
You cannot renew your bike insurance policy during the break-in period and may have to buy a new insurance plan. You can easily renew your bike insurance policy during the break-in period and continue the coverage with the same plan. However, if you do not renew the policy within 90 days from the expiry date, you will lose the No Claim Bonus (NCB) benefits.
You can raise claims during the break-in period. Since the insurance plan remains inactive during the break-in period, you are not eligible to raise claims.
You cannot enjoy the benefits of the NCB discount that you receive on the renewal of your own-damage premium. If you renew your policy within 90 days from the expiry date of the procedure, you can avail of the NCB discount benefits.

Pro Tip: You can easily renew your bike insurance policy during the break-in period. However, renewing it before expiry is recommended to ensure risk coverage while driving.


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

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