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, you get a specified period, i.e. the break-in period to revive your policy coverage. Do you want to know more about this insurance jargon? Read on!

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What is Break-in Period in Bike Insurance Policy?

A break-in period in two-wheeler insurance refers to the period between the policy expiry date and the policy renewal date. Let us understand this with the help of an example-

If your bike insurance policy was due for renewal on 30 April 2022 but you renewed it on 7 May 2022. In this case, the gap of 7 days between the policy renewal dates is called the break-in period.

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

From legal troubles to financial obligations, you can face some serious 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. In case your uninsured two-wheeler is involved in an accident or gets stolen, you might have to face financial constraints. 

    During the break-in period, you do not have insurance cover. 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. In case your policy has expired 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.

Some Common Myths about Break-in Period 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 the table understand these-

Myths Facts
You cannot renew your bike insurance policy during the break-in period and may have to buy a new plan. You can easily renew your policy during the break-in period and can continue the coverage with the same plan. However, in case 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 policy, you can avail the benefits of the NCB discount.


You can easily renew your bike insurance policy during the break-in period. However, it is recommended to renew it before the expiry date to ensure coverage from risks while driving on the road.


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

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