Bike insurance is a crucial measure that every bike owner needs to take in order to protect themselves and their bikes in case of an accident or any other form of mishap. In India, it is mandatory to have at least third-party insurance for the bike, which is why one needs to know how to check bike insurance details whenever needed.
In this blog, we will show you how to check bike insurance online and offline with two practical examples. At the end of this article, you will get to know how to check bike insurance, why it is essential, and the necessary steps that you should take to ensure that your bike is well insured.
Introduction to Bike Insurance
Bike insurance is a legal agreement between an individual and the insurance company that assures the policyholder to compensate for damages or legal responsibilities due to an accident. It generally comes in three types:
- Third-Party Insurance: This type of insurance compensates third parties for any damage to life or property that you cause with your two-wheeler.
- Own Damage (OD) Insurance: This type of insurance only compensates you for the damages caused to your bike in the event of an accident. It also covers damage or loss caused by theft and natural calamities.
- Comprehensive Insurance: It compensates third party claims as well as losses to your motorcycle.
No matter the type of insurance policy you choose, it is necessary to understand how to check bike insurance to be sure that the policy is still valid and the information contained therein is accurate and up-to-date. Now that we know what bike insurance is and why it is important, let us learn how to check our bike insurance.
How to Check Bike Insurance Online
Due to the advancement in technology, especially the use of the internet, it has streamlined the process of checking bike insurance details. You can now check the bike insurance expiry date online easily and conveniently. If you’re wondering how to check bike insurance online, follow these steps:
- Visit the Insurance Provider’s Website: A majority of the insurance firms provide their policyholders with a special page to check their insurance status.
- Log In: You are required to input your policy number, registration number, etc.
- Navigate to the Insurance Status: After logging into the website, go to the area that shows your insurance information.
- Review the Policy Information: Ensure that you check on some important aspects such as coverage, expiry date and IDV.
Additional Methods
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- VAHAN Portal: One can use the Indian government’s VAHAN portal to check the insurance of your vehicle by entering the bike’s registration number.
- Insurance Information Bureau (IIB): The IIB is another site that you could also use to verify your insurance information. However, your policy must have been purchased after April 2020 to find its information on the IIB website. You can only carry out three searches using a single email or mobile number.
How to Check Bike Insurance Offline
While online methods are more convenient, you can also learn how to check bike insurance offline through these options:
- Call Customer Care: You should call your insurance provider’s customer service to ask for your policy information.
- Visit the Branch Office: It is possible to go to the insurance company’s physical branch with the policy or registration number and confirm the insurance status.
- SMS Service: Some of the insurance companies have SMS services where one can send his/her bike registration number to a certain phone number to get details of his/her policy.
How to Check Bike Insurance Through the Insurance Provider’s Website
One of the most common methods for checking scooter and bike insurance details is through the insurance provider’s website. Here’s a step-by-step guide:
Step 1: Visit the Official Website
- Go to the official website of your insurance provider, like ICICI Lombard, Bajaj Allianz, or any other company from which you’ve purchased the policy.
Step 2: Log In
- Enter your credentials, which may include your policy number, email ID, or phone number. Some websites also allow you to check insurance details using your bike’s registration number.
Step 3: Check Insurance Status
- Once logged in, navigate to the “Insurance Status” or “My Policies” section. Here, you will find all the relevant information regarding your policy, such as expiry date, IDV, coverage type, etc.
How to Check Bike Insurance Through VAHAN Portal
The VAHAN portal, managed by the Ministry of Road Transport & Highways, offers a way to check bike insurance online. Here’s how you can do it:
Step 1: Go to the VAHAN Website
- Visit vahan.parivahan.gov.in and click on ‘Know Your Vehicle Details’ in the Informational Services menu.
Step 2: Enter Bike Registration Number
- Login with your mobile number or create an account. Input your bike’s registration number in the required field and submit. You may also have to input your engine number and chassis number.
Step 3: View Insurance Status
- The portal will display the insurance status, including the insurer’s name, policy expiry date, and coverage type
How to Check Bike Insurance with Your Registration Number
Another quick way to check scooter or bike insurance details is by using your vehicle’s registration number. Here’s how:
Step 1: Use VAHAN Portal or Insurance Provider’s Website
- On either platform, you will be asked to enter your registration number to check the status of your insurance.
Step 2: Enter the Registration Number
- Input your two-wheeler’s registration number and submit it.
Step 3: Review the Insurance Details
- You will be shown the bike insurance details, including coverage, policy number, and expiry date.
Why it is Necessary to Acknowledge Your Bike Insurance
Knowing how to check bike insurance is critical for multiple reasons:
- Legal Compliance: If you ride without insurance in India, you are likely to get fined or even have your bike seized.
- Claim Process: In case of an accident, having an up-to-date insurance policy is beneficial in the sense that one is able to get compensation.
- Avoid Policy Lapses: By checking bike insurance details, the owners will not be able to miss the renewal dates of their bike insurance policies, thus leading to lapses.
Peace of Mind: In case of an accident, you have no doubt that your bike is insured to help cater for the expenses or in the event that it gets stolen.
Conclusion:
Knowing how to check bike insurance is crucial for every bike owner. Whether you’re checking your policy online through your insurance provider’s website or using the VAHAN portal, it’s a simple process that ensures your bike remains insured and compliant with legal requirements. With the provided steps to check bike insurance status online, you can easily navigate the process and stay on top of your bike insurance.
Keeping track of your policy status helps avoid lapses and gives you peace of mind while on the road.
Frequently Asked Questions (FAQs)
How can I check my bike insurance online?
You can check your bike insurance online through your insurance provider’s website or the VAHAN portal by entering your registration number.
Can I check bike insurance details with a registration number?
Yes, you can check your bike insurance details by using your vehicle’s registration number on the VAHAN portal or your insurance provider’s website.
What happens if my bike insurance expires?
If your bike insurance expires, you are no longer covered for any damages or liabilities. You may also face legal penalties for riding without valid insurance.
How to check bike insurance status if I don’t have the policy number?
You can check your bike insurance status using your bike’s registration number on the VAHAN portal or your insurer’s website.
How long does it take to check bike insurance online?
It usually takes just a few minutes to check your bike insurance online once you have your registration number or policy number handy.
Is it possible to renew bike insurance online?
Yes, most insurance providers offer the option to renew bike insurance online through their website or mobile apps.
Can I check third-party insurance details through VAHAN?
Yes, the VAHAN portal shows third-party insurance details, including the insurer’s name and policy expiry date.
Is bike insurance mandatory in India?
Yes, at least third-party insurance is mandatory for all bikes in India under the Motor Vehicles Act.
What should I do if my insurance details are incorrect on VAHAN?
If the insurance details on VAHAN are incorrect, contact your insurance provider to update them
How do I get a duplicate copy of my bike insurance?
You can request a duplicate copy of your bike insurance from your insurer by logging into their website or contacting their customer care service.
