Bike Insurance – Buy, Renew & Check Two-Wheeler Insurance Online
Easily check your bike insurance status, renew expired policies, and download your two-wheeler insurance certificate online.
Enter Vehicle Number (e.g., MH12AB1234) to check bike insurance validity
What Is Bike Insurance?
Bike insurance, also known as two-wheeler insurance, provides financial protection for motorcycles, scooters, and mopeds against damages, theft, accidents, or third-party liabilities.
It is mandatory under the Motor Vehicles Act that every two-wheeler owner holds at least a Third-Party Liability policy before riding on public roads.
A valid bike insurance policy ensures you are financially covered for unforeseen events like accidents, natural disasters, or loss of the vehicle.
Types of Bike Insurance Policies
Third-Party Bike Insurance (Mandatory)
- Covers damage, injury, or death to third parties caused by your vehicle.
- Does not cover damage to your own bike.
- Required by law for all two-wheelers.
Own-Damage (OD) Cover
- Covers accidental damage to your bike from fire, theft, collision, or natural calamities.
- Can be purchased if you already have an active Third-Party policy.
Comprehensive Bike Insurance (Full Protection)
- Combines Third-Party and Own-Damage cover.
- Protects against theft, natural disasters, fire, and vandalism.
- Recommended for complete coverage and peace of mind.
Key Details in a Bike Insurance Policy
Your two-wheeler insurance document includes:
Popular Add-Ons for Bike Insurance
Zero Depreciation Cover
Get full claim without depreciation deduction.
Roadside Assistance
Emergency help for breakdowns, towing, or battery issues.
Personal Accident Cover for Pillion Rider
Provides compensation for co-rider injuries or death.
Return to Invoice (RTI)
Receive full invoice value if the bike is stolen or totally damaged.
Engine Protect Cover
Covers internal engine damage caused by water entry or oil leakage.
NCB Protect
Retain your No-Claim Bonus even after making a small claim.
What's Not Covered in Bike Insurance
How to Check Bike Insurance Status Online
You can easily check your bike insurance details and expiry date online using official portals:
Method 1: Parivahan Website
- Visit parivahan.gov.in.
- Click "Know Your Vehicle Details."
- Enter your vehicle registration number.
- View insurance validity and insurer details instantly.
Method 2: mParivahan App
- Download the mParivahan app.
- Enter your vehicle number.
- The app shows insurance, RC, and fitness status.
Method 3: Insurance Information Bureau (IIB)
- Visit iib.gov.in.
- Click "Vehicle Insurance Status."
- Enter your bike's registration number and contact details.
- View insurer name and policy expiry date.
Method 4: Digilocker
- Go to digilocker.gov.in.
- Log in and link your Aadhaar.
- Check under Issued Documents → Two-Wheeler Insurance Policy.
- Download your digital insurance copy.
How to Buy Bike Insurance Online
- Visit an authorized insurance company or aggregator website.
- Enter your bike registration number or vehicle details.
- Choose policy type – Third-Party or Comprehensive.
- Select add-ons based on your usage and location.
- Pay premium online and get your policy PDF instantly on email.
Documents Required: RC copy, previous policy (if any), KYC proof, and contact details.
How to Renew Bike Insurance
Renewing your two-wheeler insurance is quick and important to avoid penalties and inspection delays.
Steps to Renew:
- Visit your insurer's website or app.
- Enter your registration or old policy number.
- Review plan and add-ons.
- Pay online and download the new policy immediately.
If policy has expired: The insurer may ask for a quick inspection before restoring coverage.
Bike Insurance Claim Process
Cashless Claim
- Inform your insurer through the app or helpline.
- Visit an authorized network garage.
- The insurer's surveyor inspects the damage.
- Repairs are done cashless — you pay only deductibles.
Reimbursement Claim
- Get your bike repaired at any garage.
- Submit claim form, invoices, and documents to your insurer.
- Claim amount is transferred to your account after approval.
Key Terms in Two-Wheeler Insurance
IDV (Insured Declared Value)
Maximum amount payable in case of total loss or theft.
No Claim Bonus (NCB)
Discount on renewal premium for every claim-free year (up to 50%).
Deductible
The amount you pay out of pocket during a claim.
Endorsement
Any change or correction made in your policy during its validity.
How to Download Bike Insurance Copy Online
If you misplace your insurance papers, you can easily download a duplicate:
From your insurer's website or app.
From mParivahan or Digilocker.
Check your registered email for the policy PDF.
Digital insurance copies are legally valid across India — you can show them on your smartphone when required.
Benefits of Bike Insurance
FAQs – Bike Insurance
1. Is bike insurance mandatory in India?
Yes, every two-wheeler owner must have at least a valid Third-Party insurance policy to ride legally.
2. What is the validity period of a bike insurance policy?
Most policies are valid for one year, but you can also buy long-term policies (3 or 5 years).
3. Can I renew my expired bike insurance?
Yes, you can renew an expired policy after inspection by your insurer.
4. How can I check my bike insurance expiry date?
You can check through Parivahan, mParivahan, Digilocker, or the insurer's official website.
5. Is a soft copy of bike insurance valid?
Yes, digital copies stored on mParivahan or Digilocker are legally valid and accepted during checks.
6. What happens if I don't renew my bike insurance?
You'll lose NCB benefits, face penalties, and your vehicle will remain uninsured against damages or theft.
Conclusion
Bike insurance isn't just a legal requirement — it's essential for your financial safety. With online platforms like Parivahan, mParivahan, and Digilocker, you can easily buy, renew, or check your two-wheeler insurance status anytime.
Stay insured, renew on time, and ride confidently knowing that your bike — and your finances — are protected.