Get Bike Insurance Details by Vehicle Registration Number Online

To own a bike insurance plan for every two-wheeler vehicle is a compulsion, as per the Indian Motor Tariff. The compulsory bike insurance policy is the third party insurance plan, which offers compensation for injury, property damage, or death incurred by a third party due to the involvement of your bike. However, if you have a comprehensive bike insurance policy, you can also get coverage for the damages suffered by your own bike or scooter.

No matter which insurance cover you own, the registration number of your bike will always be required to purchase the bike insurance policy. Let’s understand this number and how it can be used to check the bike insurance status.

What Is a Bike Registration Number?

Any vehicle that is plying on the public roads in India has an official and legal identity number known as a registration number. The district-level RTO of all the Indian states is an authority that is responsible for issuing a registration number for every newly bought vehicle. Every individual who has bought a new vehicle must themselves get their vehicle registered at a district RTO within a maximum of 1 month of buying the new vehicle. A unique number is given to the vehicle as soon as it gets registered. This number needs to be printed on a metal plate and should be attached in the front and back of the vehicle.

The registration number has a format of AA DD AA DDDD, where ‘A’ denotes the alphabets and ‘D’ signifies the numerical digits. The first two alphabets are the code of the state, where the bike is registered. The next two digits denote the district code and the next two alphabets signifies the ongoing series of the RTO for vehicle classification. In the registration number, the last four digits stand for the unique identification number of your bike. Therefore, if a bike holds a number which is DL 06 AB 1877, DL would show that the bike is registered in New Delhi, 06 represents the district of the state, AB would imply the RTO sequence and 1877 would characterise the unique identification number of the bike.

The first six figures of different two-wheeler vehicles could be the same, but the last four digits can never be the same as they are created to help in identifying the bike.

Use of the Registration Number

Apart from giving an identity to the bike, the registration number is useful in various ways too:

• To Buy a Bike Insurance Policy

Without a registration number, you can not purchase a bike insurance plan. When the insurance policy is issued, the bike’s registration number is registered in the policy document that assists in ensuring that the insurance cover is issued to a specific bike.

• To Renew a Bike Insurance Policy

During the renewal process when you wish to renew your bike insurance policy, you will need to furnish the registration number of your bike to get your bike insurance plan renewed. Purchase and renewal of your bike insurance cover are not at all possible without the bike’s registration number.

• To Make Insurance Claims

To make a claim against damage or loss, you need to enter the bike registration number as well as your bike insurance policy number. In fact, your may also require to submit a registration certificate of the bike to process your insurance claims.

• To Check Details of Bike Insurance

If you don’t acquire a bike insurance policy but require the policy details of your bike, in such a case, you can get it with your bike’s registration number. When it comes to checking bike insurance plan details, it can easily be done with a registration number. You need to fill up the registration number for it and complete details of your insurance cover will be shown.

Following are the ways to check the bike insurance plan details:

1. Visit the official website of the RTO where your bike is registered and enter the registration number of your bike to check the policy details.

2. Visit the website of the State Transport Department and fill up the registration number of your bike to check bike insurance policy details.

3. Visit the website of the Ministry of Road Transport and Highways, i.e., www.parivahan.gov.in/parivahan/ and enter the registration number of your bike, after which the complete details would be displayed.

4. Visit the website of the Insurance Information Bureau, which is developed by the Insurance Regulatory and Development Authority of India (IRDAI), to check the bike insurance plan details simply by entering the registration number of the bike.

Whenever a bike insurance plan is created, the registration number of your bike is attached to it. Therefore, a bike insurance check by vehicle number can be done easily at a click.

Reasons to Perform a Bike Insurance Check

Performing a two-wheeler insurance check by vehicle number is a pivotal part of managing and maintaining your two-wheeler insurance policy. Below are the substantial reasons why you should regularly perform a bike insurance check:

1. Verification of Policy Details:

Checking your bike insurance helps in verifying the accuracy of all the information and details mentioned in the policy. Any discrepancies can be corrected in time.

2. Confirmation of Active Status:

Regularly checking your insurance ensures that your policy is active and has not expired. It keeps you from unknowingly driving with an inactive insurance policy, which is legally punishable.

3. Assessment of Coverage:

A bike insurance check allows you to assess whether the coverage you have is adequate based on your current needs and lifestyle or if it needs to be updated or enhanced.

4. Premium Payment Tracking:

It enables you to keep track of your premium payment schedules, ensuring that payments are made on time to avoid policy lapses.

5. Ensuring Compliance with Legal Requirements:

Regular insurance checks ensure that you are always compliant with legal requirements, avoiding potential fines or penalties for non-compliance.

6. Preparation for Renewal:

Regularly checking your policy helps you to be better prepared for renewals, making the process smoother by being aware of renewal dates and requirements.

7. Claim History Review:

It allows you to review your claim history, helping in understanding how past claims have been settled and preparing better for any future claims.

8. Information Update:

Insurance checks help to ensure that all personal information and details related to the bike are current and updated, ensuring the smooth processing of claims and other transactions.

9. Understanding No Claim Bonus (NCB):

Regular checks help in understanding and keeping track of the No Claim Bonus, ensuring that you benefit from not making any claims.

10. Awareness of Policy Terms and Conditions:

Regular insurance checks keep you familiar with the terms and conditions of the policy, ensuring clarity in what is covered and what is not, and avoiding surprises at the time of claims.

11. Check for Additional Benefits or Add-Ons:

Performing an insurance check allows you to explore and be aware of additional benefits or add-ons that you might want to consider adding to your policy.

Regular bike insurance checks ensure that your policy is always up-to-date, accurate, and in alignment with your current requirements and legal mandates. It is a best practice that enhances the effectiveness of your insurance, ensuring that it serves its purpose when needed.

Benefits of a Bike Insurance Online Check

In the fast-paced world of digitisation, performing a bike insurance online check comes with an array of benefits that make managing and maintaining your bike’s insurance policy efficient and hassle-free. Let’s delve into the many benefits that an online check offers:

1. Convenience at Your Fingertips:

Conducting an online check provides unmatched convenience. It allows for the quick and easy viewing of your insurance details anytime, anywhere, ensuring that your policy management is always at your fingertips.

2. Real-Time Information:

The online platform provides real-time information. It means that you get the most accurate and updated information regarding your policy instantly.

3. Easy Access to Policy Details:

Your policy details, including coverage, premiums, and renewal dates, are easily accessible online, ensuring that you are always well-informed and can make timely decisions and actions regarding your policy.

4. Efficient Comparison:

An online check allows for efficient comparison of various features, add-ons, and premiums of different policies, enabling you to make informed decisions and choose the best options.

5. Eco-Friendly:

Conducting insurance checks online is an eco-friendly option, reducing the need for paperwork and contributing to a more sustainable environment.

6. Enhanced Security:

Online platforms are secured, ensuring that your sensitive information and policy details are protected and safe from misuse.

7. Time-Saving:

An online insurance check saves valuable time, eliminating the need to visit physical offices or wait in queues to get information or make changes to your policy.

8. Easy Policy Modifications:

The online platform facilitates easy modifications to your policy, allowing for convenient updates and changes as per your requirements.

9. Immediate Proof of Insurance:

In case you need immediate proof of your insurance, checking it online allows you to download and produce necessary documents instantly.

10. Effective Management of Renewals:

Online checks enable effective management of renewals, sending timely reminders and facilitating easy and quick renewal processes.

11. Ease in Filing and Tracking Claims:

The online platform simplifies the claim filing process and allows for easy tracking of claim status, making the claim settlement process smoother and more transparent.

12. Access to Customer Support:

Most online platforms offer access to customer support, providing necessary assistance and guidance, ensuring that your queries and concerns are addressed promptly.

Using a digital platform for bike insurance checks online makes policy management a seamless and efficient process, ensuring that you can maximise the benefits from your policy with minimum hassle and inconvenience.

How to Download Bike Insurance Copy Online?

In the digital age, managing your bike insurance documents has become easier than ever. If you’ve misplaced the physical copy of your bike insurance or simply need a digital version, most insurers now provide an easy online process to download a copy. Here’s a step-by-step guide on how to download insurance copy by vehicle number online.

Step 1: Visit the Insurer’s Website

Navigate to the official website of your bike insurance provider. Most insurers have a dedicated section for customers to log in or manage their policies.

Step 2: Login to Your Account

Use your registered username and password to log into your account. If you do not have an account, you might need to create one using your policy details, such as the policy number, your date of birth, and other personal information.

Step 3: Access Your Policy Details

Once logged in, go to the section of the website that lists your active policies. Select the bike insurance policy for which you need the copy.

Step 4: Download the Policy Document

Look for an option that says ‘Download Policy’, ‘Download Policy Document’, or something similar. Click on this option to download a PDF copy of your bike insurance.

Step 5: Print If Necessary

After downloading the PDF copy, you can keep it on your device for digital proof, or you can print it out to carry a physical copy.

Additional Tips:

- Policy Number: Keep your policy number handy, as you will often need it to retrieve your policy details.

- Customer Service: If you face any issues while downloading your bike insurance copy online, don’t hesitate to contact customer service for assistance.

- Email: Some insurers send a copy of the bike insurance policy to your registered email address at the time of purchase or renewal. You can search your email inbox as an alternative method.

- Mobile App: Check if your insurer has a mobile app. Many insurance providers now allow you to download the policy document directly through their app.

Remember that carrying a valid bike insurance copy is mandatory under Indian traffic laws and digital copies are accepted. However, it’s always good to have a physical copy as a backup during your rides. Always ensure that the details in the downloaded copy, such as your name, bike details, policy number, and coverage details, are correct and up to date.