All car and two-wheeler insurance policies have definitive validity durations. Thus, it is prudent for the policyholder to check the vehicle insurance and renew the policy on time. If you miss renewing or buying the policy, you might lose the benefits of the insurance policy, resulting in claims getting rejected. Additionally, driving/riding a vehicle without having insurance coverage can have severe legal repercussions too.
Policyholders can easily check their vehicle insurance policy status online and avoid missing the policy renewal date. Also, policyholders renewing their two-wheeler or car insurance policies on time get benefits such as a No Claim Bonus.
Read on to know how long your vehicle insurance policy stays valid. Also, know the different ways to check vehicle insurance status online.
Validity of a car insurance policy
Every car insurance policy has a fixed validity. Generally, car insurance policies come with a validity of at least one year. However, if you bought a new car, you may have to buy a long-term car insurance policy. According to the new rules, every new car owner must have a car insurance policy of three years validity.
When the policy expires, you will have to renew the car insurance policy without fail. So, to ensure you do not miss the policy expiry date, keep a reminder, and check the vehicle insurance status online. This time you can choose to buy a car insurance policy online with one-year validity.
Importance of checking vehicle insurance online
Keeping track of the status of the vehicle insurance policy is important. Driving without a valid insurance policy on Indian roads may attract legal action against you. As the Motor Vehicles Act mandates every vehicle owner to have at least a third-party insurance policy. With insurers offering digital services today, checking details of vehicle insurance online has become convenient. You can easily get all the details and know the status of your vehicle insurance policy on the insurer’s website or app (if any).
Know why you must check your vehicle insurance status online.
- It helps you keep a check on the validity of vehicle insurance, so you do not miss renewing the policy on time.
- You continue to stay covered against financial liabilities arising out of accidents. Also, stay covered from damages caused by natural or man-made activities.
- You avoid paying a penalty for driving without a valid insurance policy. In some cases, your licence may get confiscated. Checking the vehicle insurance status online saves you from these unnecessary hassles.
How to Check Bike Insurance Expiry Date/Status Online
You no longer need the physical policy document nor do you have to ask your insurer to know the due date of your bike insurance renewal.
The way to check the two-wheeler insurance expiry date has transformed with the advent of digital technology.
Now, you can find it conveniently through online platforms such as a website or mobile app.
All you need is a smartphone or a computer to check the expiry date of the vehicle insurance online.
Here are the online platforms (websites) to find the status of your bike insurance policy.
- Insurer’s website or mobile application
- Insurance Information Bureau (IIB)
- VAHAN – Ministry of Road Transport and Highways (MoRTH)
- Personal email inbox
- State Transport Department
- Regional Transport Office (RTO)
Can I get my bike insurance expiry date online even if I have lost my vehicle’s registration number?
Yes, you can check the expiry date of your bike insurance policy even if you do not have your bike’s registration number. You can visit the insurer’s (for example, ACKO) website or mobile app and access your account via your mobile phone number. You can also check your inbox for an email with the policy document featuring the expiry date.
How do I check if my bike insurance policy has expired?
You can check if your bike insurance has expired through online and offline methods. However, the online process is faster and less cumbersome compared to the offline process. For example, if you have insured your bike from us, you can visit our website or mobile app to access your policy to check if it has expired. You can also check your inbox as we email a copy of the policy to your email address.
Is it possible to renew bike insurance online after the expiry date?
Yes, you can renew your bike insurance online after the expiry date. You can do so through our website or mobile app. However, depending upon the gap between the expiry date and the new policy purchase date, the insurer may insist on the inspection of the bike before renewing the policy.
How can I get a copy of two wheeler insurance online?
If you are an ACKO customer, you can visit our website or mobile app to download the policy document. You can also check your inbox for the policy document since we email it when you purchase the policy.
How do I find my bike insurance policy number?
Check your policy document to know the policy number. If you are an ACKO customer, you can contact us for the details.
What to do if my bike insurance renewal shows a future date?
It is better to renew your bike insurance before the expiry date for continuous insurance coverage. You should renew the policy at least 5 to 10 days before the expiry date.
Can I perform a mParivahan insurance check online?
You can check your vehicle insurance status online through the Parivahan Seva portal.
How to check bike insurance validity online?
You can check two-wheeler insurance validity online through the mParivahan portal, ACKO’s website/app, IIB and the local RTO.
Check the status of your car insurance policy on VAHAN
Here’s how to check your vehicle insurance status on VAHAN.
Step 1: Visit the VAHAN e-services website and click on the ‘Know your vehicle details’ tab at the top of the page.
Step 2: Enter your car registration number and code for verification.
Step 3: Click on the ‘Search vehicle’ option that will appear on the screen.
Step 4: Check the vehicle insurance status online.
The process to check vehicle insurance status online on the RTO website
The Motor Vehicles Act of 1988 states that all vehicle owners must register their cars under their respective Regional Transport Office (RTO). The below steps will help you know how to check your vehicle insurance status online on the RTO website:
Step 1: Visit the state transport office’s official website.
Step 2: Search ‘Online Services for Citizens’.
Step 3: Click on ‘Vehicle-related Online Services’.
Step 4: Click on ‘VAHAN Citizen Services’.
Step 5: Enter the RTO branch details where you have registered the vehicle.
Step 6: Navigate to the menu bar and select ‘Status’.
Step 7: Click on ‘Know Your Vehicle Details’.
Step 8: Enter the vehicle registration, chassis, and engine number.
Step 9: Solve and enter the CAPTCHA code along with the requisite details.
Step 10: You will get the details of your vehicle insurance policy, so now you can easily check your vehicle insurance status online.
Check car insurance details on the mParivahan app
Here’s how you can check the insurance status using the mParivahan app.
Step 1: Install the mParivahan app on your mobile phone or tab.
Step 2: Choose the language that you would like to get the instructions on the app.
Step 3: On clicking on the ‘Continue’ button, a dashboard will open giving you two options to check your insurance status.
Step 4: You can check the vehicle insurance status with your car registration number or driving licence. Click on the ‘Search’ button.
Step 5: You will have to sign in with your registered mobile number and check the insurance status.
Steps to check vehicle insurance status on IIB portal
Follow the below steps to check your vehicle insurance status on IIB portal.
Step 1: Log in to the Insurance Information Bureau (IIB) website.
Step 2: Go to ‘Quick Links’ and click on ‘V-Seva’. ‘Accident Vehicle Information Retrieval System’ page will open.
Step 3: Fill in your personal details. Share your name, address, mobile number, and email ID. Also, provide your vehicle registration number.
Step 4: Submit the details. If you have already registered your vehicle on the IIB portal, you can then easily check insurance status online.
Steps to check car insurance status offline
You can also check the status of your car insurance policy offline through the following ways.
- Visit the insurer’s branch office to check the vehicle insurance status.
- You can also contact the third-party administrator through whom you bought the insurance policy.
- Visit the respective RTO office where you have registered your vehicle. Provide the vehicle registration number and know the details.
Set a reminder before your vehicle insurance policy expires, you renew the policy in time. Insurance providers also send reminders 30 days before the policy expiry date.
Insurance providers usually offer a grace period. So, even if you miss renewing your insurance policy before the expiry date, you can stay worry-free. You get a chance to renew the policy around this time without losing on your benefits. You cannot raise claims if your policy lapses.
Please note that the RTO and State Transport Department’s processes and procedures can vary from state to state.
FAQ related to topic:
Q1: How to Do a Bike Insurance Check Online via Insurance Provider?
Your bike insurance provider will have a record of all the insurance policies issued by them. You can visit the website of your bike’s insurance provider and check your policy’s expiration date. The method employed for verification may differ among insurers, but it is possible to check by entering your bike’s registration number.
Q2: What options are there to check my bike insurance status online?
There are three ways to check the status of your bike insurance policy online. You can visit the IIB, VAHAN, or your insurance provider’s website and provide the registration number of your two-wheeler.
Q3: I bought my bike in 2021. Can I check the policy status on the IIB portal?
No, it is not possible as the IIB portal provides information on policies purchased after April 1, 2020.
Q4: What is the registration number of a bike?
The RTO in a district issues a unique identification number to each two-wheeler plying on the roads. This number is your bike’s registration number.
Q5: Is it possible to get new policy documents if the original document is lost or misplaced?
Yes, it is possible. You have to file an FIR with the nearest police station before requesting a new one.