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What To Do If Two-Wheeler Insurance Is Expired?


Written by Sharad Bajaj

Updated Oct 28, 2022

What Happens If You Don’t Buy / Renew Bike Insurance?

Though a two-wheeler insurance policy safeguards you financially against any kind of injury or mishappening, purchasing it comes with a lot of additional responsibilities including timely renewals. This means, after getting insured under a valid motor insurance policy, you may have to renew it regularly to eliminate the chances of a lapse in the policy. If you forget to renew your plan within a specified time limit, your existing policy will get terminated and you’ll have to buy a new one. Therefore, to avoid such circumstances it is advisable to renew your insurance policy within the grace period given by the insurer. In this article, you’ll learn everything about an expired two-wheeler insurance policy along with the process of renewing your insurance. 

What Happens When Your Two-wheeler Insurance Policy Gets Expired? 

Your two-wheeler insurance coverage expires if you don't renew it within a specific time period. If the insurance expires, your insurer is no longer obligated to support you financially, legally or consider any of your claims. Moreover, if you’re found to be travelling with an expired bike insurance policy, you will have to pay a huge penalty. Therefore, renew your policy timely to avoid such a situation.  

How To Renew Two-wheeler Insurance Policy Online? 

With the help of online services provided by your respective insurance company, you can renew your expired policy within a few minutes. The steps are mentioned below. 

Step 1: Go to your insurer's official website.

Step 2: Enter your login details. You must register if you're using the online service for the first time.

Step 3: Provide information for the renewal of your two-wheeler insurance coverage.

Step 4: Make the payment via  net banking, debit card, or credit card.

The insurance company will, thereafter, send a soft copy of your bike insurance policy renewal to your registered e-mail address.

How To Renew Two-wheeler Insurance Policy Offline? 

Besides online, you can also renew your two-wheeler insurance policy in a traditional way simply by visiting the nearest branch of your insurance company. Carry all the necessary documents along with you and submit them to the authorizedauthorised person for verification. Once the insurance company has inspected your bike and cross-checked on all the details, the renewal of the policy will be initiated. 

Why would you prefer online mode over offline mode?

While understanding the unique requirements of customers, insurance companies provide both online and offline ways to renew an insurance policy. However, using an online mode is much easier and makes the process more convenient. Some of the reasons for justifying the statement are mentioned below. 

    • Hassle-free Renewal: Through an online mode, you can renew your plan simply by visiting the official website of the insurance company. Therefore, you can get insured again in the comfort of your home. 
  • Time-Saving Process: Now you do not need to bother yourself with traffic jams and long queues for renewing a two-wheeler insurance policy. With a simple click, you can renew your two wheeler plan online and save yourself a lot of time. 
  • Flexibility Of Time: Unlike offline, you can renew your motor insurance policy anytime according to your convenience through an online mode. Moreover, most insurance companies like InsuranceDekho provide 24*7 assistance to guide you through the process. 


In India, riding two-wheeler insurance without any valid insurance policy is against law. Therefore, you should actively renew your bike insurance policy time-to-time in order to avoid paying any penalties. Online and offline are the two ways through which you can renew your policy and enjoy its benefits.

Also Read: 

Safety Tips For Solo Riders In India

Terms And Conditions You Should Know When You Raise A Claim Against Damaged Car


Written by Sharad Bajaj

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

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