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Simple Ways To Check Bike Insurance Expiry Date Online

Wish

Written by Sharad Bajaj

Updated Jun 05, 2024

How To Check Bike Insurance Expiry Date Online in 2024

It takes a lot of money to buy the bike of your dreams, and it's something you want to ride around on. You must obtain motorcycle insurance before you can take the bike on the road because it is illegal to ride a motorcycle without a policy. Simply buying a policy is not sufficient. For two-wheeler policies to remain valid, they must be renewed on time. Each policy has an expiration date. When an insurance policy is expired, it will have to be renewed. It is therefore vital to be aware of expiration date of the policy in order not to miss the renewal date. Expiration dates are easily accessible online.

Policies for two-wheelers typically run between one and three years or up to five years if they are long-term policies. Bike insurance that has expired may result in claim denial and fines. If you've lost track of the policy's expiration date, you may quickly check bike insurance validity online. Therefore, you must renew your bike insurance coverage before it expires. The expiration date may be found in your policy paper, but if for some reason you don't have one, you can always check bike insurance information online. There are plenty of easy methods to go about it.

While two-wheeler insurance policies are unquestionably significant legal records, owners frequently lose them. However, do not worry! If you ever find yourself in such a predicament, you may verify your bike insurance validity check online using the registration number.

Points to Remember before the bike insurance validity check

You can check your bike insurance expiry date check coverage in a few different ways.

However, the online procedure is quicker and easier to use. Here are some things to keep in mind regarding the bike insurance expiration date.

  • Prior to the bike insurance policy expiration date, the majority of modern digital insurers issue alerts.
  • Don't ride your bike while your insurance is still active.
  • The two-wheeler insurance expiration date is simple to find online.

How To Check Bike Insurance Expiry Date Online?

The expiry date is mentioned on the policy documents along with other policy details. There are mainly three ways to check the expiry date online.

The physical policy paper is no longer required, nor do you need to contact your insurer to find out when your bike insurance must be renewed. Thanks to the development of digital technology, there are now new ways to verify the expiration date of two-wheeler insurance expiry date checks. These days, you may easily discover it through internet channels like a website or smartphone app. All you need to verify the auto insurance expiration date online is a smartphone or computer.

You might be looking for step by step process to check bike insurance expiry date online? Here are three ways:

1. Check The Expiry Date Via Insurance Information Bureau

All insurance policy related details can be found on the website of the Insurance Information Bureau (IIB). On this website, follow the below-mentioned steps and view the expiry date in no time.

  • Visit the online portal of IIB.
  • On the home page, under the Quick Links section, click on 'V Seva'. It will display a form.
  • Enter the information required on the form.
  • Enter the captcha code and click on 'Submit'.

You can also follow these two simple steps to view the insurance details on the Insurance Information Bureau:

  • Visit the IIB portal.
  • Fill a query form. An executive will call you on the registered number and assist you.

The page will show your policy details, where you can spot the expiry date. Note that the website has information on insurance policies bought after April 1, 2020. Any policy purchased before that date is not recorded on the website. You can view the details up to three times using the same mobile number and mail ID.

2. Check The Expiry Date Via VAHAN

The Road and Transport Ministry keeps records of all insurance policies on the VAHAN website. Hence, you can view the expiry date of your policy on this website. Follow these steps to view the expiry date:

  • Visit the VAHAN e-service website.
  • On the menu tab, click on 'Know Your Details'.
  • On the next page, enter your vehicle number and the verification code.
  • Click on 'Search Vehicle'.

The policy details will then appear on the screen. You can see the expiry date under the 'Insurance Upto' column.

3. Check The Expiry Date Via Your Insurer

Records of your insurance policies are kept by your insurance provider. You can log into the official website of your insurer and view the details. The steps for viewing the policy details may vary from one insurer to another. That being said, most websites allow you to view the details only by entering the registration number of your bike.

A policy document contains all the details of the policy, including its validity. However, you cannot and you do not have to carry your policy documents with you all the time. Check online for all the details in minutes and get them within a few minutes.

Additional Methods to Check Bike Insurance Expiry Date Online

More than the three methods mentioned above, there are more ways to check your bike insurance validity check online. Here are several methods for checking the expiration date of bike insurance online:

Email: 

You will receive an electronic copy of your insurance policy at your email address when you purchase bike insurance from an insurer. Instead of going through the hassle of manually monitoring your policy's expiration date, you may just save your insurance paper safely in your inbox.

RTO:

RTO, which stands for Regional Transport Office, is how. The urban states in several of India have their own RTO websites. According to their specified instructions, you may check the expiration date of your motorcycle insurance on the relevant RTO website.

Your State Transport Department:

This State transport department's process and procedures vary from state to state. Online services to verify bike insurance plan expiration dates are available in several states. To find out when your bike insurance coverage expires, visit the website of their transport department.

How to Check Bike Insurance Validity Offline?

Checking the validity of your bike insurance offline might seem a bit old-fashioned in this digital age, but it's still a practical approach, especially for those who may not be as comfortable navigating online platforms. Here are the steps and methods you can follow to check the validity of your bike insurance offline:

1. Refer to Your Insurance Policy Document:

   - Your insurance policy document is a detailed record of your insurance contract. One of the essential details mentioned in it is the policy expiry date. Keeping your policy document safely and referring to it can help you ascertain the validity of your bike insurance.

2. Contact Your Insurance Agent:

   - If you purchased your insurance through an agent, you could contact them directly. They maintain records of their clients' policies and can inform you about the expiry date of your bike insurance.   

3. Visit the Insurance Company’s Office:

   - Paying a visit to the office of your insurance company is another way to check the validity. The customer service executives there can assist you with all the information you need after verifying your details.   

4. Calling Customer Service:

   - Insurance companies have dedicated customer service helplines. You can call the customer service number, provide the required details like your policy number, and get information regarding the policy’s validity.  

5. Checking the Certificate of Insurance (COI):

   - The Certificate of Insurance (COI) that you receive along with the policy document also carries the necessary details regarding the policy period. Make sure you keep the COI handy and refer to it whenever needed.

6. Through SMS Services:

   - Some insurance companies provide SMS services where you can text a specific number with your policy details, and they’ll reply with the necessary information, including the policy's expiry date.

Points to Remember:

   - Ensure that the information you provide, like policy number and personal details, is accurate for correct and quick assistance.

   - Try to keep a personal record or diary where you note down the essential details and dates related to your bike insurance, which can act as a quick offline reference.

   - Regularly update your contact information with your insurance provider so that you receive timely reminders and updates about your policy.

Being aware of your bike insurance validity is vital to remain legally compliant and to ensure continuous protection for your vehicle. While online methods are quick and convenient, offline methods remain reliable and accessible to many. Choose the method that suits you best to stay updated on your bike insurance validity.

How to Renew a Bike Insurance Policy Online After It Has Expired?

An expired bike insurance policy leaves your vehicle unprotected, and driving without valid insurance is illegal. Renewing your expired policy as soon as possible should be a priority. Here’s a step-by-step guide to renewing your expired bike insurance policy online:

1. Visit the Insurance Company’s Website or Mobile App:

   - Head to the official website or mobile application of your insurance company. Look for the renewal option, which is usually prominently displayed.

2. Enter Policy Details:

   - Enter the necessary policy details, such as your policy number and other required information. Make sure the details entered are accurate to avoid any complications during the renewal process.

3. Vehicle Inspection:

   - Since the policy has expired, the insurance company might require a vehicle inspection. If it’s necessary, an appointment will be scheduled, and a surveyor will assess the condition of your vehicle.

4. Review Policy Terms:

   - Once your vehicle passes the inspection, you will proceed to the next steps. Review the policy terms, coverage, and premiums. At this stage, consider whether you want to modify the policy terms, like adding or removing certain coverages.

5. Make Payment:

   - Choose a payment method that suits you, such as credit card, debit card, or net banking. Complete the transaction by following the on-screen instructions. Ensure that the payment is successful and that you receive a confirmation.

6. Policy Document Receipt:

   - After the payment is successful, the renewed policy document will be sent to your registered email. Make sure to save and print the document for your records.

7. Confirmation and Verification:

   - You might receive a confirmation call or message from the insurance company for verification purposes. Respond promptly to complete the process.

Tips for a Hassle-Free Renewal Process:

   - Early Renewal: Try to initiate the renewal process a few days before the policy expiration date to avoid last-minute hassles.

   - Review Coverage: Use this opportunity to review and update your coverage based on your current needs and requirements.

   - Compare Premiums: It might be beneficial to compare premiums and coverage from different providers to ensure you get the best deal.

Online renewal is a convenient and time-saving option, even if your bike insurance has expired. Ensure that all details provided are accurate and complete the process diligently to ensure that your vehicle is protected without any gaps or delays. Remember, driving with an expired insurance policy is both risky and unlawful, so renew your policy at the earliest.

Why it is Important to be aware of the Validity of Bike Insurance?

Having valid bike insurance is not just a legal requirement, it’s a shield that protects you financially against unexpected events such as accidents, thefts, and natural or man-made disasters. Here’s why being conscious of your bike insurance validity is crucial:

1. Legal Compliance:

   - Regulatory Requirement: Driving without valid insurance is illegal. Having a lapsed policy means you're violating the law, which could lead to penalties or fines.

2. Financial Security:

   - Coverage Against Damages: A valid insurance policy ensures that you have coverage in place to protect against damages to your bike or third-party property.

   - Medical Expenses: In case of an accident, it can cover medical expenses, saving you from sudden financial burdens.

3. Third-Party Liability:

   - Legal Liabilities: A valid policy takes care of the legal liabilities in case of damages or injuries to a third-party. 

4. Continuous Coverage:

   - No Gap in Protection: Being aware of the expiry ensures that there’s no gap in coverage, keeping protections continuous.

   - No-Claim Bonus: Awareness helps in timely renewals, ensuring that you don’t lose out on the No-Claim Bonus, a discount that accumulates for each claim-free year. 

5. Peace of Mind:

   - Prepared for Unexpected Events: Knowing your insurance is valid provides peace of mind, ensuring you are always prepared for unexpected mishaps. 

6. Avoid Policy Lapses:

   - Prevention of Additional Costs: Being aware helps in preventing the policy from lapsing, avoiding additional costs or undergoing the process of inspection and paperwork again.

7. Efficient Planning and Renewal:

   - Timely Renewal: Knowing the validity ensures that renewals are planned and executed on time, keeping the policy active.

   - Comparison and Better Choices: It allows time for comparing various policies and choosing a better or more cost-effective option during renewal.

In conclusion, the validity of bike insurance is something that one should always keep tabs on. Regular checks, reminders, or automated renewals are some ways to ensure that your bike insurance is always valid, and you are always covered. The reassurance of having valid insurance lets you ride with confidence, knowing you are protected against unforeseen events.

What are the Repercussions of Ignoring the Insurance Expiration Date?

If you don't want your insurance policy to expire and you lose your benefits, it's essential to check the expiration date on your bike insurance periodically. Your insurance policy will expire if you forget the expiration date and fail to renew it even within the grace period offered by insurance providers, leaving you without valid bike insurance coverage. In addition to losing your insurance coverage, you will also forfeit any collected no-claim bonus (NCB) rewards from the policy.

You receive NCBs, which are lower premiums, for each year without a claim. You will need to start again and obtain new bike insurance, as well as repeat the verification and purchasing processes. For this reason, it is essential to verify the validity of your bike insurance promptly and to renew your policy timely.

Conclusion

If you forget to renew your bike insurance policy before its expiry date and your bike insurance policy gets expired, in such a case, it will get terminated due to which you may have to again purchase a new insurance policy. However, insurers provide its policyholders with a grace period to renew their insurance plans even after the expiry date, but they will have to pay a penalty for that. Therefore, in this article, we have tried to give you simple ways to check your bike insurance policy’s date of expiry online, so that you can renew it timely without fail.

If you keep checking your expiry date with the above mentioned ways and renew your insurance policy within the stipulated time, then you can manage to save several benefits such as No Claim Bonus, and so on, which are earned by you and accumulated over the time.

FAQs:

1. How to check my bike insurance expiry date online if I've forgotten my car's registration number?

Since a vehicle's registration number is carved into its number plate, it is theoretically impossible to misplace one.

In other words, as long as the bike may be lawfully ridden, you can easily verify its registration information. Consequently, it won't be too tough to verify your insurance status.

2. If I lose my insurance policy paperwork, can I acquire new ones?

Yes, if you've misplaced them, you may submit an FIR at the local police station to get a new policy paper produced. 

3. What bike registration number is there?

The RTO of a district in one of India's states assigns a unique identifying number to each vehicle that travels on the country's roadways. Every newly acquired car must have one of these registration numbers, which are required by law. Finding information about a two-wheeler's insurance is also made easier with the aid of its registration number.

4. How to check my bike insurance validity?

You can check your bike insurance validity throughInsurance Information Bureau, through Portal (Vahan) or Provider of your Insurance Policy.

5. What should I do if the deadline for my bike insurance renewal is in the future?

For ongoing insurance coverage, it is preferable to renew your motorcycle insurance before the expiration date. At least 5 to 10 days before the insurance expires, you should renew it.

6. How to check insurance validity?

You can check insurance expiry date check online, and you can also check it offline.

Types of Bike Insurance You Should Know:

1. Third Party Two Wheeler Insurance  2. Comprehensive Two Wheeler Insurance Policy

You May Also Like To Read:

What is a Bike Insurance Renewal?

Two Wheeler Insurance Add-ons

Bike Insurance Details by Registration Number

Fine for Driving Two Wheeler Without Insurance

How to Get Duplicate Two Wheeler Insurance Copy Online

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Wish

Written by Sharad Bajaj

Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. Read More

Disclaimer

This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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