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. The Government mandates that every two-wheeler must have at least a third party liability insurance policy to legally operate on Indian roads & failure to do so can result in hefty fines or legal trouble.

But how do you verify your bike insurance policy details if you have misplaced the documents? Now you can easily perform a bike insurance check online using your vehicle number through platforms like IIB, VAHAN, and insurer websites.

In this guide, we'll explain how to check bike insurance status online by vehicle number via IIB and Vahan, why it's important, and the platforms that make the process simple and efficient.

 

How to Check Bike Insurance Online in 2025

Before hitting the road, always ensure that your bike insurance is still active. Riding with an expired policy can result in penalties and rejected claims.

If you’ve forgotten the expiry date of your policy, don’t worry—checking it online is quick and easy. You no longer need to carry a physical copy of your insurance or call your insurer for the renewal date. Today, you can check your bike insurance status online through platforms like Quickinsure, IIB, the Parivahan (VAHAN) portal, or your local RTO website.

Riding a two-wheeler gives you convenience and independence, but it also comes with certain responsibilities. One of the most important things is keeping your bike insured with an active policy. As per the Motor Vehicles Act, 1988, every two-wheeler must have Third-Party Liability (TPL) Insurance at a minimum. If your policy expires, you risk paying fines, facing legal issues, and having your claims denied.

This article will guide you on how to check your two-wheeler insurance status online, the platforms you can use for verification, and simple renewal tips in case your policy has lapsed.

 

1. Why Checking Two-Wheeler Insurance Status Is Important

Before learning the “how,” let’s understand why it is necessary to keep track of your bike insurance policy status:

✅ Legal Compliance: Riding without a valid policy attracts heavy penalties under the Motor Vehicles Act.

✅ Claim Eligibility: You can file claims for theft, accidents, or third-party damages only if the policy is active.

✅ No-Claim Bonus (NCB) Protection: Renewing before expiry helps retain NCB benefits of up to 50%.

✅ Peace of Mind: Timely status checks avoid last-minute renewal stress.

 

Information Required to Check Your Bike Insurance Status Online

Keep the following details handy for a smooth online process:

• Vehicle registration number

• Policy number (optional for VAHAN check)

• Engine and chassis number (for IIB verification)

• Registered mobile number or email ID

 

2. Methods to Check Two-Wheeler Insurance Policy Status Online

You can verify your bike insurance policy through multiple digital platforms. Here are the most reliable methods:

A) Check via Your Insurance Company Website or App

Almost every insurer provides an online portal or mobile app where policyholders can check their policy status.

Step 1:  Visit the official website of your insurer

Step 2:  Go to the ‘Policy Status’ or ‘Customer Login’ section.

Step 3:  Enter details like:

Step 4: Vehicle registration number

Step 5: Policy number or registered mobile number

Step 6: Click Submit to view your insurance validity and expiry date.

Benefits:

•        Instant verification

•        Option to download duplicate e-policy

•        Easy renewal if policy is near expiry

B) Check two wheeler insurance status Status Online 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. 

Note:

•        Data is updated only after 2 months of policy issuance.

•        Limited to policies issued after 2010.

C) Using DigiLocker

DigiLocker, integrated with the Ministry of Transport, can store and display your bike insurance digitally.

•        Link your Aadhaar and vehicle registration

•        Access insurance papers anytime

•        Accepted by traffic authorities

Many insurers and aggregators like QuickInsure also provide dedicated apps for checking, downloading, and renewing policies. 

D) Check via QuickInsure POSP or Agent

If you purchased through QuickInsure, you can:

•        Log in to your QuickInsure dashboard

•        Check active policies, renewal dates, and NCB status.

•        Get agent support for expired policies or claim assistance.

QuickInsure Advantage:

•        Compare multiple insurers instantly

•        Instant renewal in 2 minutes

•        24/7 support for claims and queries

 Details You’ll Need to Check Your Bike Insurance Status Online

To make the process quick and easy, keep these details ready:

• Your vehicle registration number

• Policy number (not needed if checking through VAHAN)

• Engine and chassis number (needed for checking on the IIB website)

• Your registered mobile number or email ID

Note:

• Data is updated only after 2 months of policy issuance.

• Limited to policies issued after 2010.

E) Via Insurance Aggregators

At the time of purchase, the insurance policy of your bike or two-wheeler 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.

F) Using the VAHAN Portal

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 of 28 Aug 2024, as per the Vahan website, 368,201,991 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 the steps below to check bike insurance status online on VAHAN. 

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

Step 2: Click on "Vehicle-related services"

Step 3: Select State Name in the 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 your Mobile number to get a One-time Password (OTP) and check the online insurance status of two-wheeler. 

Benefits:

• No need to remember policy number

• Useful if you forgot your insurer’s name

• Trusted government source

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 Status 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.

 

Alternative Way to Check Two Wheeler Insurance Status Online

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

Insurance Provider Website:

Most insurance providers have a bike insurance check by vehicle number option on their official portals. Simply enter your policy number or registration number to retrieve your details.

State Transport Department Websites:

Some states allow users to check bike insurance status online via the RTO website. Visit your state transport department’s website and look for vehicle-related services

Customer Support:

Contact your insurance provider directly with your vehicle registration details to get assistance.

 

Benefits of Checking Bike Insurance Status Online

✅ 24/7 availability and instant access

✅ Helps avoid fines and legal hassles

✅ Enables quick digital renewal

✅ Allows you to download duplicate policy copies

✅ Helps in tracking claim eligibility

 

Common Mistakes to Avoid

❌ Ignoring SMS/email reminders from the insurer

❌ Not updating mobile/email with the insurance company

❌ Waiting for physical copy instead of checking e-policy

❌ Missing renewal deadline and losing NCB benefits

 

Read More: How to Get a Duplicate  Insurance Copy Online

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. 

Q5. Will I lose my No-Claim Bonus if I delay renewal?

NCB is valid up to 90 days after policy expiry. Renew within this period to retain your bonus.

Last Updated: 21 August 2025