The population in India has grown, so there's a big demand for motorcycles and scooters. This means there are many more of them on Indian roads. It's a budget-friendly and simple means of transportation. But you need to have insurance to ride a bike or scooter in India. 

If you don't renew it on time, you can get into legal problems. So, it's important to know if your insurance is always valid and has not expired. It's easy to lose documents, like insurance papers. But now you can check your bike insurance online using your bike's registration number. 

How to Check Bike Insurance Online in 2024 

It's important to make sure your bike insurance is active before you start riding. If your insurance expires, you might have trouble getting a claim and could even face penalties. If you don't remember when your policy expires, you can easily find out online.  

You don't need to dig out your old insurance papers or call your insurance company to ask about your renewal date. Instead, you can check your bike insurance expiration date online using services like IIB, Parivahan, or through the RTO. 

To make it safer for users, the government has checked and approved a few websites where you can check your bike insurance information without worrying about your personal data. 

Checking Your Bike Insurance Status Online with the Insurance Information Bureau (IIB) 

You can easily find your bike insurance policy details on the Insurance Information Bureau's website. Here's how to check your bike insurance expiration date: 

Step 1: Visit the IIB website. 

Step 2: Find the "Quick Links" section and click on "V-Seva." This will open a form. 

Step 3: Fill out the form with your name, email address or mobile number, address, vehicle registration number, and other required information. 

Step 4: Enter the Captcha code shown on the screen and then submit it. 

Step 5: The website will show you the details of your motor vehicle insurance policy. 

Important Notes: 

  • This website only has information about motor vehicle insurance policies bought after April 1, 2020. 

  • You can view your policy details three times using the same email address and mobile number. 

Another way to check your insurance details: 

Step 1: Go to the IIB portal. 

Step 2: Fill out a query form. An IIB representative will call you to help you. 

Notes for Using the IIB Website to Check Bike Insurance Status Online 

Remember these important points when using the IIB website to check your bike insurance: 

  • You must enter the bike registration number without any special characters. For example, use "KA01JG1234" instead of "KA-01-JG 1234". 

  • It might take up to two months for insurance companies to submit policy data to the IIB's Data Repository. So, your new bike might not appear in the database right away. 

  • If your bike or scooter is new, insurance companies only submit the vehicle's chassis and engine number to the IIB. 

  • The database has information from April 1, 2010 onwards. 

Checking Your Vehicle Insurance Status on the VAHAN Portal 

The Ministry of Road and Transport keeps records of all motor vehicle insurance policies on its VAHAN website. You can see your two-wheeler insurance policy expiration date by following these steps: 

Step 1: Go to the official VAHAN e-Services website. 

Step 2: Press the "Know Your Vehicle Details" button. 

Step 3: If you have an account, enter your mobile number and click "Next." 

Step 4: Fill in your password and press the "Continue" button. 

Step 5: You'll get a 6-digit temporary password on your registered mobile number. 

Step 6: Key in the OTP and tap "Verify." 

Step 7: You'll be taken to the vehicle registration status page. Input your vehicle number into the "RC status" section and hit "Vahan Search." 

Step 8: You can now see your vehicle insurance policy expiration date and other vehicle details. 

Checking Your Two-Wheeler Insurance Policy Expiration Date Online Through RTO 

In some Indian states, you can check your bike insurance details on your RTO's website. Your local RTO keeps records of your vehicle and its insurance information. Here's how to check your two-wheeler insurance policy expiration date online: 

Step 1: Go to the online website of your RTO. 

Step 2: Enter your vehicle's registration details and log in. 

Step 3: Once logged in, you'll find information about your bike insurance expiration date. 

Recommended Read: Guide to Renewing Your Two-Wheeler Insurance Policy in Easy Steps  

Perks of Checking Bike Insurance Status Online 

Here are some reasons why you should check your bike insurance expiration date online: 

  • Avoid Paying Fines: If you're caught riding a bike with expired insurance, you'll be fined. Check your insurance status and renew your policy on time to avoid penalties. 

  • Enjoy Peace of Mind: Knowing your policy is renewed gives you peace of mind. If something happens to your bike, you won't have to worry about insurance coverage. 

  • Convenience: Checking your bike insurance status online is easy and convenient. You don't have to go to the insurance company's office. 

  • Save Time: Services like Parivahan enable you to access your two-wheeler insurance policy details immediately. This saves time and lets you check your policy expiration date in just a few minutes. 

Why You Should Renew Your Bike Insurance Policy Before the Expiration Date 

If you don't renew your insurance before it expires, the insurance company won't cover you. This can lead to several problems, which can involve: 

Penalties: Third-party bike insurance is mandatory, so if your policy expires and you don't renew it, you're violating motor vehicle law. Traffic police can give you a ticket if you can't show them your insurance. The penalty for not having valid insurance in India is ₹2000 or 3 months in jail and community service. If you're caught a second time, the fine is ₹4000. 

Claim Rejection: If your policy is expired, the insurance company might reject any claims you make. They won't cover third-party liability for accidents, and you'll have to pay for damages out of your own pocket. 

Higher Premium Rates: If your insurance lapses and the company agrees to renew it, they'll charge you more. They'll also inspect your bike for damage, which could increase the cost. 

Loss of NCB: NCB (No Claim Bonus) is a discount on your premium for every year you don't make a claim. You can save up to 50% on your premium if you have no claims for 5 years. If your policy lapses, you'll lose your NCB. 

Frequently Asked Questions 

1. Why is it important to check my bike insurance status online? 

Checking your bike insurance status online ensures that your policy is active and valid. This helps you avoid fines, claim rejections, and higher premium rates. It also provides peace of mind knowing that you're protected in case of accidents. 

2. What are the different websites where I can check my bike insurance status? 

You can check your bike insurance status on several websites, including IIB (Insurance Information Bureau), Parivahan, and the RTO (Regional Transport Office) website of your state. 

3. Can I check my bike insurance status using my bike's registration number? 

Yes, you can easily check your bike insurance status using your bike's registration number on the websites mentioned above. 

4. How long does it take to check bike insurance status online? 

Checking your bike insurance status online is usually a quick and straightforward process that takes only a few minutes. 

5. Can I check my bike insurance status if my policy is new? 

If your bike insurance policy is new, it might take a few weeks for the insurance company to submit the policy data to the IIB's Data Repository. However, you can still check the status using your bike's registration number on the VAHAN portal. 

6. What happens if my bike insurance policy has expired? 

If your bike insurance policy has expired, you may face penalties, claim rejections, and higher premium rates when you renew your policy. It's important to renew your policy before the expiration date to avoid these consequences. 

7. Can I check my bike insurance status multiple times? 

Yes, you can check your bike insurance status multiple times using the same email address or mobile number. However, there may be limits on the number of times you can check in a specific period. 

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.