Step-by-Step Guide to Bike Insurance Check Online

In addition to being crucial for safety, having insurance for your bike is required by law in India. But a lot of bike owners are unaware of when their insurance is about to expire or don’t know if their policy is still active. The good news is that it only takes a few minutes to do a bike insurance check online.

In this post, I will guide you through each step in a simple and clear way, so even a novice user can easily understand and follow along with the bike insurance check online process.

Why Should You Look Up Online Bicycle Insurance?

Checking your bike insurance online is important because:

·          It helps you avoid fines and legal issues (riding without insurance is illegal).

·          You know the expiry date and can renew on time.

·          You get accurate policy details, like coverage, IDV, and insurer name.

·          It saves time – no need to visit the insurance office.

·          Helpful during accidents or thefts, as you can quickly show proof.

What Details Do You Need to Check Insurance?

Before you start, keep these things ready:

·         Bike Registration Number (Example: MH12 AB 1234)

·         Insurance Policy Number (if available)

·         Mobile Number or Email (linked to your policy)

·         Chassis or Engine Number (rarely required)

Step-by-Step Guide to Check Bike Insurance Online

Step 1: Check Through VAHAN (Government Website)

1.      Visit parivahan.gov.in

2.      Click on “Vehicle Related Services”

3.      Select your State and RTO

4.      Click on “Know Your Vehicle Details”

5.      Enter your Bike Registration Number and Captcha

6.      Click “Search”

You will see the insurance company’s name, policy number, and expiry date.

Step 2: Check on Your Insurance Company Website

If you remember your insurer’s name (like HDFC Ergo, Bajaj Allianz, ICICI Lombard, etc.):

1.      Visit the insurer’s official website

2.      Find options like Policy Status, Renew Policy, or Download Policy

3.      Enter your Registration Number or Policy Number

4.      Your policy details will appear on the screen

Step 3: Use IIB (Insurance Information Bureau) Website

This is useful if you forgot your insurance company name:

1.      Visit iib.gov.in

2.      Click on “Vehicle Insurance Status”

3.      Enter your Name, Mobile Number, Vehicle Number

4.      Submit the form

5.      If your record exists, you will see your insurance details

Note: IIB works only for policies active after April 2010.

Step 4: Check Using Mobile Apps

You can also check using mobile apps like:

·         mParivahan App

·         DigiLocker App

·         Insurance company’s own app

Just enter your bike number and get your policy details instantly.

What Information Will You See?

When you complete the steps, you will get:

Information	Details You See
Policy Status	Active / Expired
Policy Validity	Start & Expiry Date
Policy Type	Third-Party or Comprehensive
Insurance Provider	Name of the insurance company
IDV	Insured Declared Value
NCB	No Claim Bonus status
Add-ons	Zero Depreciation, Roadside Help, etc.

 

How to Renew Your Bike Insurance Online

If your insurance is expired or about to expire:

1.      Visit your insurer’s website or any insurance aggregator (PolicyBazaar, ACKO, etc.)

2.      Enter your Bike Number or Policy Number

3.      Select a Third-Party or Comprehensive Policy

4.      Add extra covers like Zero Depreciation or Roadside Assistance (optional)

5.      Pay the premium online via UPI / Debit Card / Net Banking

6.      You will receive the new policy instantly on email or WhatsApp

Tips to Save Money on Bike Insurance

Want to reduce your insurance cost? Try these:

Renew on time to avoid penalty and lower NCB
Avoid unnecessary add-on covers
Install ARAI-approved anti-theft devices
Transfer your No Claim Bonus (NCB) if you switch insurers
Compare plans online before buying

Common Mistakes to Avoid

Entering wrong registration or policy number
Visiting fake or unofficial websites
Not saving/downloading your policy copy
Forgetting to check coverage and expiry date
Ignoring renewal reminders

Benefits of Digital Bike Insurance

·         No paperwork, everything stored online

·         Can be downloaded anytime from email or DigiLocker

·         Easy to show during police verification

·         Faster claim settlement

·         Environment-friendly and safe

Conclusion

Doing a bike insurance check online is very simple and helps you stay safe, legal, and stress-free. Whether you use the VAHAN website, your insurer’s website, the IIB portal, or mobile apps, the whole process only takes a few minutes.

So don’t wait, check your insurance status today and avoid fines, legal trouble, or financial loss during accidents.

Frequently Asked Questions (FAQs)

1. Can I check bike insurance with just the registration number?

Yes. You can check it on the VAHAN website or mParivahan app using only your bike registration number.

2. Is it legal to carry a digital insurance copy?

Yes. A soft copy of your insurance in DigiLocker or mParivahan is legally valid across India.

3. What if my bike insurance has expired?

You must renew it immediately. If it is expired for more than 90 days, you may lose your No Claim Bonus (NCB).

4. Where can I see my bike insurance expiry date?

You can check it on your policy document, insurer’s website, VAHAN portal, or mParivahan app.

5. Can I renew my bike insurance online without inspection?

Yes. If the policy is still valid or recently expired, you can renew without inspection.