How to Check Two-Wheeler Insurance Status Online

As you are aware, it is compulsory that you insure your two-wheeler. If you let your policy lapse and do not promptly renew it, you will be violating the law governing motor vehicles. The traffic police may issue a challan if you are unable to produce your insurance policy when requested. In India, failing to carry an active insurance plan can result in a fine of Rs.2,000, up to and including three months in prison, and community service. For repeat offenders, a penalty of Rs.4,000 will be imposed.

Loss of No Claim Bonus

No Claim Bonus (NCB) is an additional benefit that offers you a specific percentage of premium rate savings at renewal for each succeeding year. However, this benefit is offered only if you do not make a claim. If you go five years without filing a claim, you could save up to 50% on your premium prices.

Claim Rejection

If you fail to renew your insurance on time, your claim may get rejected. If an accident results in damage or loss to a third party, the insurer will not pay for it. The entire cost of loss or damage will be incurred by you which defeats the insurance policy's whole purpose.

Higher Premium on Renewing after Expiry of Policy

If your two-wheeler insurance policy has expired but the insurer agrees to renew it, you will be liable to pay a higher premium. In addition, the insurer will check your bike for damage and you will be required to pay a higher sum on renewal.

Steps to Check Two-Wheeler Insurance Status Online

Parivahan Sewa is a centralised website that has been launched and maintained by the Ministry of Road, Transport, and Highways. The information on all the vehicles in the country is stored on this website. If you buy a vehicle or renew your vehicle insurance, the website's data is updated within two days. The procedure to check the status of your insurance policy online at Parivahan Sewa is as follows:

Step 1 - Visit the official website of Parivahan Sewa.

Step 2 - Click on the ‘Informational Services’ option from the menu.

Step 3 -  Select the ‘Know your vehicle details’ option.

Step 4 - The Vahan NR e-Services page will appear on the screen.

Step 5 - Log in by entering your registered mobile number.

Step 6 - Enter the verification code and the vehicle registration number.

Step 7 - Click on the ‘Search vehicle’ option.

Step 8 - The information about your bike and the insurance policy's expiration date will be displayed.

Steps to Check Two-Wheeler Insurance Status Online via RTO

All vehicles are registered with the regional transport office (RTO). You must go to the website of the RTO in your state to find out when your bike insurance policy expires. You can check the status of your insurance policy online by following the steps listed below:

Step 1 -  Visit the official website of the RTO in your state.

Step 2 - Select the ‘Online Services for citizens’ option.

Step 3 - Click on the ‘Vehicle Related Online Services’ option.

Step 4 - Click the ‘VAHAN Citizen Services’ link.

Step 5 - Click on the ‘Status’ tab from the menu bar.

Step 6  - Click on the ‘Know your vehicle details’ option.

Step 7 - Enter the chassis number, engine number, and registration number for your bike.

Step 8 -Enter the captcha code displayed on the screen.

Step 9 - Your insurance status is now displayed on the screen along with details of your vehicle.

Steps to Check Two-Wheeler Insurance Status via IIB

The Insurance Regulatory and Development Authority of India (IRDAI) launched the Insurance Information Bureau of India (IIB) website in order to facilitate the smooth operation of the insurance industry. This website has relevant details about insurance plans offered by insurance companies. To check the status of your bike insurance via IIB, follow the steps mentioned below:

Step 1 - Visit the official website of IIB

Step 2 - Click on the ‘V-Seva’ option under the 'Quick Links' section.

Step 3 - The Accident Vehicle Information Retrieval System page will appear on the screen.

Step 4 - Fill out all required fields with accurate data, including your name, address, mobile number, email address, and registration number.

Step 5 - If your vehicle was involved in an accident, provide the relevant details.

Step 6 - Enter the captcha code and click on the ‘Submit’ option.

Important Points to Consider When Checking Bike Insurance Status via IIB

While using the IIB website to check the status of your two-wheeler vehicle insurance online, there are a few things to keep in mind:

1. You have to enter your bike registration number without any special characters.
2. You may check the status of the bike insurance a maximum of three times per particular mobile number/email address.
3. The insurance companies' submission of policy data to the Data Repository is two months behind schedule. Therefore, an insured two-wheeler's details may not appear on the website’s database at times.
4. Data submitted by insurers beginning on 1 April 2010, can be found in the database. 
5. Only the chassis and engine number of your two-wheeler are submitted by the insurance companies to the IIB's Data Repository if it is brand new.

Learn  :  Check your bike insurance expiry date online