HOW TO CHECK TWO WHEELER INSURANCE POLICY STATUS ONLINE

There is a huge demand for two-wheelers in India because of the increase in the population. Cities across the country are seeing a sharp increase in the number of two-wheelers running on the roads. This is because a two-wheeler is the most cost-effective and convenient mode of transport in India.   In this guide, we'll explain how to perform a bike insurance check by vehicle number online via IIB and Vahan, why it's important, and the platforms that make the process simple and efficient.

 

Now, it is mandatory to have two-wheeler insurance if you want to drive a bike or scooter on Indian roads. Actually, the government has made it mandatory to have at least a third-party liability insurance policy when driving a two-wheeler in India. So, you can get into legal trouble if you don't have one with you or if the one you have has expired.

This means it is important to keep track of your policy's status. But many of us are prone to misplacing and losing all kinds of documents, including insurance policy documents. However, it is now possible to check bike insurance status online using the registration number of your two-wheeler. A bike insurance check by vehicle number ensures you can verify the validity of your policy easily and stay compliant with legal requirements.

How to Check Insurance Status of Bikes Online

At the time of purchase, the insurance policy of your bike gets linked to its registration number. With the rapid growth of Internet technology and the digital transformation of industries picking up momentum, the  bike insurance policy check has become simple and easy. To make the process more secure for users, the government has verified and approved a few websites where you can check without worrying about the safety of personal data.

Check Bike Insurance Status via IIB

IIB stands for Insurance Information Bureau and is a web portal developed in 2009 by the Insurance Regulatory and Development Authority of India (IRDAI) to enable the smooth operation of the insurance market in India. All information related to the insurance policies issued in the country is compiled on the platform and made accessible to policyholders. The aim of developing this portal is to enhance the insurance sector’s overall transparency level. For a quick two-wheeler insurance check on this portal, you just have to follow the steps given below: 

• Step 1. Visit IIB's official website of Gov Of India

• Step 2. Click/tap on the V-Seva tab under "Quick Links" on the home page

• Step 3. You will be taken to the page "Accident Vehicle Information Retrieval System"

• Step 4. Fill in all the required information: owner's name, address, mobile number, email address, and registration number of your bike.

• Step 5. Fill in the captcha

• Step 6. Click/tap on the "Submit" button

The insurance information for your two-wheeler will be displayed on the screen of the device you are using to access the portal. This includes specific information about your bike insurance policy, expiration date, etc.

However, you have to keep some points in mind when using the IIB portal for a bike insurance status check online. The web portal displays information on the insurance policies of vehicles bought after April 1, 2020. Furthermore, you can access the details only three times using the same phone number and email address.

How to Do a Two-Wheeler Insurance Check Online via VAHAN

If you cannot verify the status of your two-wheeler insurance via the IIB portal, you can visit the official website of the Ministry of Road Transport and Highways (VAHAN). As on 28 Aug 2024, as per the vahan website, 368,201,991 no of digitized vehicles are registered. It is a comprehensive database for vehicle-related services, including insurance verification. It is a highly reliable platform for conducting a bike insurance check by vehicle number. Follow this below steps to check bike insurance status online on VAHAN. 

• Step 1. Visit the VAHAN website of Gov. Of India.

• Step 2. Click on "Vehicle related services"

• Step 3. Select State Name in drop-down

• Step 4. Under "Choose option to avail services" 

• Step 5. Enter registration Number 

• Step 6. Click on "Services Menu" and select "Know your vehicle menu"

• Step 7. Enter Registration number, chassis number  and engine number.

• Step 8. Enter Mobile number to get One-time Password (OTP) and check the online insurance status of two wheeler.
    

You can visit the official website of the Regional Transport Office or that of the State Transport Department for the same.

 

Common Reasons to Check Bike Insurance Online

1. Renewal Reminder: Regular checks help avoid policy lapses by reminding you of renewal dates.

2. Lost Documents: In case you misplace your policy documents, online verification ensures you can retrieve details quickly.

3. Legal Compliance: A quick insurance status check ensures you remain compliant with traffic laws.

4. Buying a Used Bike: Before purchasing a pre-owned vehicle, verifying its insurance history ensures transparency.

Alternatives to IIB and VAHAN

If you’re unable to verify your insurance status through IIB or VAHAN, you can explore these alternatives:

1. Insurance Provider Website:
   Most insurers allow policyholders to check insurance details by entering their bike registration number or policy number on their official website.

2. State Transport Department Websites:
   Some state RTO websites offer vehicle-related services, including insurance verification.

3. Customer Support:
   Contact your insurance provider directly with your vehicle registration details to get assistance.

Key Benefits of Online Bike Insurance Checks

• Time-Saving: No need to visit physical offices or wait in queues.

• Convenient: Check details anytime, anywhere using your device.

• Free of Cost: Both IIB and VAHAN services are free to use.

• Compliance: Ensures you’re always in line with legal requirements.

Conclusion

Staying informed about your bike insurance policy is essential for hassle-free rides and legal compliance. Platforms like IIB and VAHAN make it convenient to perform a bike insurance check by vehicle number, ensuring that your policy is valid and up-to-date.

Whether you’ve misplaced your documents or need to confirm your insurance status, these online tools offer a quick, secure, and reliable solution. Make it a habit to verify your policy periodically and avoid unnecessary legal troubles.

For a seamless riding experience, ensure your bike insurance is always in place!

 

FAQs on Bike Insurance Check by Vehicle Number

Q1: Can I check bike insurance status for vehicles purchased before April 1, 2020?

• No, the IIB portal only provides details for policies issued after this date. Use VAHAN or contact your insurer for older policies.

Q2: What is a bike registration number?

• It’s a unique identification number assigned to your vehicle by the RTO during registration.

Q3: Can I get duplicate policy documents if I lose the original?

• Yes, file an FIR at your nearest police station and request duplicate documents from your insurer.

Q4: How secure are online platforms for checking bike insurance?

• Platforms like IIB and VAHAN are government-authorized, ensuring data privacy and security.

Q5: Can I check bike insurance for someone else's vehicle?

• No, these platforms are designed for personal use and require accurate owner details.

 

Q6. How to check Bike Insurance by Vehicle Number?

• You can check bike insurance by vehicle number through platforms like the Insurance Information Bureau (IIB) or the Parivahan Sewa Portal by entering your bike's registration number. These services provide quick and secure access to insurance details.