5 Easy Ways to Bike Insurance Validity Check

Do you know that every bike insurance has an expiry date (that is, a period of liability)? It’s true. You have to renew your bike insurance every time it expires. But for that, you need to know the process of a bike insurance validity check. What is the step-by-step process? Is there a portal or an app for it? Do you need to visit your insurance company centre? We will cover all of it ahead! 

But before that, if you want to get deep into two-wheeler insurance (and other types of general insurance), check out the linked article.

What Details Are Included in Bike Insurance Papers? 

You are going to know your bike insurance validity details through your insurance papers. So, it’s important to take a look at what is included in those papers before we look at the easy ways of bike insurance validity check. The following details are included:

• vehicle ownership
• insurance policy number
• model of your two-wheeler
• Insurance premium details
  

Now, let us get to the crux of the matter. 

How is Bike Insurance Validity Check Done? 

Bike insurance validity checks can be done in both online and offline ways. Although you’re advised to go for online ways (skip to the last section to see why), you must be aware of both ways:

Offline Ways

Visit the Insurance Company’s Office

You can visit your insurance provider’s office to know the details of the bike insurance validity check. But before you do that, confirm their business hours from their website. Since your provider has all the information about your insurance, they’ll be able to quickly help you with the expiration date of your bike insurance.

As you go to the customer office desk in the office, make sure you have the policy number handy with you. Once your bank insurance validity check is done at the office, you can feel free to ask about the documentation of the expiration date (that is, take a copy of the proof of the expiration date).

This will help you save yourself the effort of searching for the expiration date in the future.

Checking the Certificate of Insurance (COI)

The Certificate of Insurance is a document issued by your insurance provider. It contains details about your insurance policy, including the coverage period. You will find your Certificate of Insurance among the insurance documents you had kept safely when you first got your insurance.

Look for the expiry date on the COI. This date indicates when your insurance policy is valid. But if you still cannot find the expiry date, you must go for the online ways of bike insurance validity check (skip to the next section for it).

Via an Agent

Another savvy bike insurance validity check process is to simply reach out to the agent who sold you the bike insurance policy by visiting them (but if this can be done online, you must go for it). As mentioned before, be prepared with your policy number and other bike insurance details.

These are the offline ways, what about the online ways of bike insurance validity check? Let’s take a look! 

Online Ways

There are two main ways of going about checking the validity of your bike insurance online (just like how you can link your mobile number with your Aadhar Card): through the Parivahan Sewa website and the Insurance Information Bureau. Learn about both of them here. 

Parivahan Sewa Official Website

The Ministry of Road Transport and Highways has launched the Pariwahan Sewa portal. It is a centralised portal which has the data of all the vehicles registered in the country. The portal is updated within two days of any vehicle insurance policy being bought, renewed, and transferred. 

Here are the steps you need to follow for this method:

                                                       Find Pariwahan Sewa e-Services website here.

7. You’ll be directed to the vehicle registration status page. Enter your vehicle number under RC status and click ‘Vahan Search.

Now, you can see your vehicle insurance policy’s expiry date and other details.

Make sure you follow all the steps properly. Now, let’s move on to the next method. 

Via Insurance Information Bureau 

To check your bike insurance status through the Insurance Information Bureau:

                                            Find the Insurance Information Bureau (IIB) website here.

Now, you know the online steps to check your bike insurance validity.

Any discussion on bike insurance is incomplete without mentioning the top tips. So, here we go! 

What Are Top Tips on Bike Insurance Renewal? 

There are a few things you need to keep in mind while renewing your bike insurance. Check them out here:

1. Always buy your insurance policy online.

2. Do not go for a short-term insurance policy. Always go for a long-term insurance policy to get a discount on your bike insurance.

3. Some insurers offer a loyalty discount. So, always go for the same insurer to renew your policy.

4. Make sure your driving history is not marred with bad precedents. This could adversely affect how you will receive NCB for safe driving. In case you don’t know what NCB is. NCB is a No Claims Bonus (NCB) in vehicle insurance that rewards responsible driving.

Being aware of these top tips, you must also keep yourself abreast of the reasons why you should go for online ways of bike insurance validity check instead of offline. 

Why Should You Go For Online Bike Insurance Validity Check (Instead of Offline)? 

As you decide on going for the online or the offline method of bike insurance validity check, check out these top 10 reasons for opting for the online method:

1. Online checks provide immediate results, saving time compared to waiting for offline responses.

2. You can check bike insurance validity online at any time, day or night, without being limited by office hours.

3. Avoid the hassle of physically visiting an office; online checks can be done from the comfort of your home or anywhere with internet access.

4. Online platforms offer a quick and efficient way to verify insurance details without paperwork or delays.

5. Online systems are often automated, reducing the chances of human errors that may occur in manual processes.

6. No need to spend money on transportation to visit an office; online checks are a cost-effective way to verify insurance status.

7. Online interfaces are designed to be user-friendly, making it easy for individuals to navigate and check their insurance validity.

8. Reduce the environmental impact by opting for a paperless online process instead of relying on physical documents.

9. Online systems are more likely to provide real-time updates, ensuring you have the latest information about your bike insurance status.

10. Online platforms often have secure encryption, ensuring the privacy of your personal and insurance information during the validity check.

So, these are the top 10 reasons why you should go for an online bike insurance validity check (instead of offline). With this, you’re now equipped with the knowledge on what is included in your bike insurance papers, both online and offline ways of bike insurance validity check, and top tips for insurance renewal. This knowledge will help you feel equipped to navigate the insurance landscape. Keep checking out this space for more!