According to the Insurance Regulatory and Development Authority of India (IRDAI), all two-wheeler owners must possess a two-wheeler insurance policy in India. The insurance papers are important, and if you lose your two-wheeler insurance papers, your claim might be denied. However, even if your bike insurance policy is lost, you can recover its details with your vehicle’s registration number.
Any vehicle that is operating on Indian roads has a registration number that serves as both its legal and official identification. All newly purchased vehicles receive a registration number from the Regional Transport Office (RTO). A vehicle owner must register their new vehicle at their district RTO within a month of buying it. After registration, a unique number called a permanent registration number will be assigned to the vehicle. The registered number is visible on the vehicle's dedicated plate on the back and front.
Additionally, the authorized structure of the registration number may vary from vehicle to vehicle. The registered number is a way to uniquely identify a vehicle. It consists of both numbers and letters, with the first two letters denoting the Indian state code and the following two letters denoting the district code. The following letters display the RTO's current series, and the final four letters indicate the unique vehicle number. The identification, tracking, and search for a vehicle are made easier by this numbering system.
You can find two-wheeler insurance information through the registration number if you want to know when the policy will expire but do not have your policy number. Here is how you can get details of your bike insurance with the registration number:
Step 1 - Visit the official website of the Ministry of Road Transport & Highways/RTO/State Transport Department.
Step 2 - Enter your vehicle’s registration number.
Step 3 - All of the information about your two-wheeler insurance policy will appear on the screen.
Step 4 - Alternatively, find out more about the vehicle's insurance policy by visiting the Insurance Information Bureau's website, which is governed by IRDAI.
Step 5 - The registration number can be obtained from any of these websites. Furthermore, information such as policy validity and other bike-related specifics are easily accessible.
By getting in touch with the insurance provider, you can easily find out all the details regarding your comprehensive two-wheeler insurance policy. For the insurer to verify the owner, as much information as possible must be provided. A duplicate two-wheeler insurance policy will be issued by the insurer after verification of your details. However, note that the insurance provider may charge a fee to issue a duplicate two-wheeler insurance policy.
In some cases, you might have to publish a notice of the lost bike insurance policy in the newspaper and give it to the insurer. The lost policy declaration must be submitted on the non-judicially stamped indemnity bond paper.
In such cases, you can retrieve your insurance policy details by logging in to your insurer's official website.
No, according to the New Motor Vehicles Act of 2019, it is illegal to drive on Indian roads without third-party insurance.
Yes, you can use your vehicle’s registration number to get your two-wheeler insurance policy details.
No, you must have your policy documents and insurance details to file a claim; otherwise, your claim may be declined.
Yes, your two-wheeler registration number is valid all over India.
Driving a vehicle with a temporary registration number is legal. However, the validity of a temporary registration number is just one month.
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