How to Get Bike Insurance Details by Registration Number?

Posted on: May 10, 2023 | 3 mins | Written by: HDFC ERGO Team

How to Get Bike Insurance Details by Registration Number?

Most two-wheeler owners are aware that you must buy a bike insurance policy since the law mandates it. However, there is a possibility that you have misplaced the document somewhere and cannot find it. In such a case, what should you do? Well, as long as you have valid insurance for a bike, you can get a duplicate or digital copy of the policy. Here is how you can get them.

What is the Bike Registration Number?

Registration number is a bike's unique identification number. Riding a motorbike on public roads without this is illegal. Therefore, anyone who has bought a new bike must obtain their registration number from the local RTO within one month.

The registration number is prominently displayed on the bike's number plate. It consists of both letters and digits, following a specific format:

• The first two letters indicate the state; for instance, Delhi is represented by "DL."

• The next two digits represent a sequential number for the district.

• The last four digits are unique to each bike

How to Check Bike Insurance Details by Vehicle Number?

To check bike insurance details using registration numbers, follow the below steps:

1. Visit the Official Website:

Go to the website of the State Transport Department, RTO, or Ministry of Road Transport & Highways.

2. Enter Registration Number:

Input the registration number of your bike.

3. View Insurance Details:

The two-wheeler insurance policy details, including the end date, will be displayed.

You can also check the details on the Insurance Information Bureau website, regulated by IRDA.

How to Download Your Bike Insurance Policy with Your Vehicle Number?

When you buy a bike insurance policy, the policy is issued to the vehicle number. The vehicle number is a unique identifier that not only differentiates it from other vehicles but is also associated with the engine and chassis number of the bike. If you are wondering how to download two wheeler insurance details by registration number via your vehicle number, here are the steps that you must follow.

1. Access the website of the Ministry of Roat Transport & Highways or your State Transport Department or TRO.

2. Enter the vehicle number or registration details on the website and click on submit.

3. The website will provide details of the policy.

4. Alternatively, you can visit the Insurance Information Bureau, which the IRDAI regulates, to view the details about your bike insurance policy.

Once you get the vehicle insurance details, you can visit the website of the insurance provider, enter the details and download a copy of the policy.

How to Buy or Renew Bike Insurance Online Using Your Vehicle Number

Buying or renewing bike insurance online using your vehicle number is a straightforward process. Here’s a step-by-step guide to help you through it:

• Visit an Insurance Provider's Website:

Choose a reliable insurance company’s official website.

• Select Bike Insurance:

Navigate to the bike insurance section and click on "Buy" or "Renew."

• Enter Vehicle Number:

Provide your bike's registration number to access your policy details.

• Choose Policy Type:

Select from available plans based on your needs comprehensive or third-party bike insurance.

• Provide Personal Information:

Fill in necessary details such as name, address, and contact information.

• Review Coverage Options:

Check add-ons like personal accident cover, zero depreciation, etc.

• Calculate Premium:

Review the premium amount and payment options.

• Make Payment:

Pay securely using credit/debit cards, net banking, or UPI.

• Receive Confirmation:

After payment, download or print the insurance policy document for your records.

• Contact Customer Support:

Reach out if you have any queries or need assistance.

What If You Don't Have a Vehicle Registration Number?

Driving a vehicle without a registration number in India is illegal and may lead to fines and/or imprisonment. Here are the details:

• First Offense:

Fines range from ₹2,000 to ₹5,000.

• Subsequent Offenses:

Fines increase to ₹5,000 and ₹10,000, and offenders may face up to a one-year jail term.

• Fine Variability:

The fine amount can differ depending on the state.

Other Ways to Find Your Bike Insurance Details

To access your bike insurance information using its registration number, you can use one of the following methods:

1. Visit the Parivahan Sewa Website

Visit the Parivahan Sewa website run by the Ministry of Road Transport and Highways at parivahan.gov.in. Navigate to the "Online Services" section and select "Vehicle Related Services." You will be redirected to a page where you can enter your bike's registration number, and all relevant details will be displayed on your screen.

2. Download the "mParivahan" app on your smartphone.

After downloading the mParivahan app, register with your name and mobile number. Then, enter your bike's registration number in the search box and click "Search." This will display all details about your motorbike, including the owner's name, fitness, road tax validity, and insurance information.

3. Visit the Official Site and Access Vehicle Details

Visit the official website of the RTO where your bike is registered and input the registration number to access its insurance details. Alternatively, you can go to the RTO office and provide your bike's registration number to the helpdesk officer to obtain its insurance information.

4. Check Insurance Provider's Website

Go to your insurance provider's website to view your policy details by entering your bike's registration number and your registered mobile number. You can also visit the nearest branch office of your insurer or contact their customer support number for assistance in retrieving your bike insurance details using the registration number.

5. Check the Policy Documents

Start by reviewing your policy documents, where you can find your policy number prominently displayed. You can confirm its accuracy by checking the insurer’s portal for policy details and ensuring you have the correct information.

Why You Should Check Bike Insurance Using Your Vehicle Number

Checking bike insurance using your vehicle number is a smart and essential practice for several reasons. First, it allows you to verify the status of your insurance coverage quickly, ensuring that you're legally compliant and protected against unforeseen incidents.

This also helps you identify specific policy details, including coverage limits, exclusions, and renewal dates, which is crucial for maintaining adequate protection. Additionally, it simplifies the claims process; having your policy information readily accessible can expedite claims and improve your chances of a hassle-free experience during emergencies.

Moreover, checking insurance details can alert you to any lapses or discrepancies, preventing potential fines or penalties for riding without valid coverage. Using your vehicle number to check your motor insurance fosters responsible ownership and peace of mind while on the road.

Conclusion

Misplacing insurance documents is a common occurrence. If you happen to misplace your third-party bike insurance policy, you can use the steps mentioned above to either get a duplicate copy of the policy or download another digital copy of the same. However, you must always have insurance on you. If you have not bought insurance for your bike, you must do so right away to avoid any financial burden.

FAQs

What will happen if I do not carry my bike insurance policy?

If you don’t carry your bike insurance policy, you may face fines, legal penalties, and financial liability for damages or injuries in an accident. Always keep it accessible.

How can I get a soft copy of the insurance policy?

You can obtain a soft copy of your insurance policy by logging into your insurance provider’s online portal or app. Alternatively, request it via email or customer service.

What should I do if I lose my insurance policy?

If you've lost your car insurance policy papers and cannot locate them, file an FIR with the police. Submit the FIR copy to your insurance company along with a written application requesting a duplicate policy copy.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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