As Indian motorcycle demand is growing exponentially, the need for vehicle insurance has also increased recently. To avoid legal or financial trouble, it is mandated that bike riders must always carry valid bike insurance with them.
But there is one more thing that the vehicle owner must be aware of: the current status of the policy.
In this article, we are going to answer the question, “How to check bike insurance?” and also understand the long-term benefits of getting bike insurance.
Viewing the policy status helps in checking the type of policy for claiming process and other premium benefits.
How to Check Bike Insurance Online?
- Through Insurance Information Bureau(IIB) portal
IIB is an Indian web portal started by the Insurance Regulatory and Development Authority of India (IRDAI). The portal was initiated with the aim to help in streamlining the insurance policy market and establish a smooth and transparent insurance issuance system.
IIB provides all information and data related to a particular insurance. It helps in checking the bike insurance policy status, issuance details, policyholder details, and much more.
Here’s the online process for obtaining insurance via IIB:
Step 1: Visit the IIB site.
Step 2: On the home page, you will see- “ Quick Links”. Choose the V-Seva tab under Quick Links.
Step 3: After redirecting to the Accident Vehicle Information Retrieval System page, fill in the information that is required like the owner’s name, address, and other identification details. (Make sure you have the vehicle registration number). You might be required to submit extra information if the bike was involved in an accident.
Step 4: Enter the captcha and submit the form.
Step 5: Finally, you can view all the information related to your bike insurance via IIB.
You will see the details of your bike insurance policy, along with the expiration date.
Things to Remember:
- Information on this website pertains to insurance policies purchased after April 1, 2020.
- Policy details on this website are only available three times with the same email address and phone number for policies purchased prior to this date.
- Through the VAHAN portal
The Indian Ministry of Road Transport and Highway’s Official portal is a website that provides all types of vehicle-related services from license registration to check the status of the bike insurance policy. The name of the website is VAHAN.
Let’s jump right in and know the entire process in five simple steps:
Step 1: Visit VAHAN e-services online.
Step 2: Choose the “Know your vehicle details” option.
Step 3: Enter the vehicle registration number and verification code of the bike.
Step 4: Select the “search vehicle” option.
Step 5: That’s it! All your bike insurance information will be displayed on the screen.
- Through Ontrack App
An insurance provider has all your details recorded and hence they can readily give your a valid insurance policy status update along with other important details that you might need.
You can visit the Ontrack official website and click on insurance-related services to view and check the insurance information.
All you need is the vehicle registration number and the process will be initiated.
How to Check Two Wheeler Insurance Offline?
If you are in search of an offline way to get vehicle insurance information, then worry not! There’s an official way to do this.
All you have to do is visit the Zonal RTO office with your bike registration number.
Once the RTO authority verifies your details, they will provide you with the necessary information regarding the insurance policy and also inform you about the status of the insurance policy.
Benefits of Bike Insurance:
There are several benefits to having bike insurance, including the following:
- Provides financial protection:
Since there are a lot of traffic accidents in India, bike insurance is a necessity. When your bike is damaged by an accident or stolen, bike insurance will compensate you financially. In addition, if a third party is injured in such events, bike insurance can offer financial compensation.
- The risk of natural disasters is extremely high.
Insurance covers losses caused by natural calamities. Invest in comprehensive bike insurance to protect yourself from natural calamities.
- The option of adding riders can further enhance the benefits of your bike insurance.
The premium of the two-wheeler will, however, differ based on the add-ons you choose.
- Depending on your two-wheeler policy, you may also be able to settle your claim cashlessly.
You won’t be charged anything for repairing your two-wheeler. Depending on your insurance policy, you can simply take your two-wheeler to a network garage for repairs.
- The last and most important benefit of having two-wheeler insurance is that you can live a stress-free life.
You don’t have to worry about potential road hazards with two-wheeler insurance. You can both safeguard your two-wheeler and live a stress-free life with two-wheeler insurance.
Frequently Asked Questions(FAQS)
When does my bike insurance policy expire?
Bike insurance expires after the validity period is over. To check the insurance status, you can visit the insurer’s website(Ontrack in this case), IIB portal or the VAHAN portal, online. Once the policy documents are visible you can easily check and get the expiry date of the insurance policy.
How to get the Bike Insurance Policy Number?
A bike insurance policy number cannot be found completely by using a vehicle number, as only the insurance policy status can be determined. It is necessary to know the name of the company that has insures the vehicle in order to locate its insurance policy number. Directly contacting the insurance company where you bought the policy will give you the insurance policy number, along with your phone number, email address, and chassis and engine numbers.
Keep your bike registration number handy no matter where you are since it is useful for most information about your bike. Alternatively, if you are looking for vehicle insurance online then please contact us and we will assist you throughout the insurance process.