Buying a bike insurance policy is not enough if your policy is not found to be valid in the time of your need. Are you wondering what it means? Well, you must have an active insurance policy at all times to raise claims in the event of an accident. While the mandatory third-party policy protects you from third-party liabilities, you must have comprehensive bike insurance for coverage against own damage. Also, make sure you renew your bike insurance policy to enjoy continuous benefits.
Significance of active bike insurance
Bike insurance is not a one-time contract where you make the premium payment once and you can go around unbothered. It is extremely important to renew your bike insurance policy in time, failing which will leave your bike insurance policy invalid.
Without an active and valid bike insurance policy, you cannot legally ride your bike. Neither will you be covered for any third-party liabilities or own bike damage. In such a scenario, you may have to deal with legal hassles as well as massive financial loss all by yourself. Also, if your bike insurance policy has expired, your claims, if you make any, will be rejected.
So, it is of utmost importance to ensure your bike insurance is valid at all times. Read on to know how you can check the validity of your motor insurance online without any hassles.
How to check bike insurance validity online
These days, you do not have to go through physical documents to check if your two-wheeler insurance policy is active or not. You can easily check the validity of your motor insurance online with a few clicks. Thanks to digitalisation, checking the validity of the bike insurance policy has become very easy and time-saving.
All you need is a mobile device and an active Internet connection and you can check the validity of your bike insurance policy in no time. Here’s how you can check the validity of your motor insurance online:
- Through your insurance provider’s website or the mobile app: Nowadays, most insurance providers have an online presence. They offer their services through online platforms such as their website and mobile apps. So, now, you can buy, renew, and check the validity of your bike insurance policy online. The steps to check the bike insurance validity online may vary for different insurers. However, you can easily follow the instructions given on the insurer’s website to check if your motor insurance has crossed its expiry date or not.
- Insurance Information Bureau (IIB): Another way to check the expiry date of your motor insurance online is through the Insurance Information Bureau website. Follow the steps given below to check the validity of your bike insurance policy on the IIB website:
- Visit the official website of IIB
- Look for the ‘Quick Links’ section. Once there, find the ‘V-Seva’ option. Click the ‘V-Seva’ tab and you will come across a form.
- Fill up the form as per the instructions.
- After you have filled in all the necessary information, you will have to enter a CAPTCHA code.
- After that, click the ‘Submit’ button.
As you click the ‘Submit’ button, you will get the details of your bike insurance policy. Remember, the portal shows details of the insurance policies bought after 1st April 2020 only. Information on motor insurance policies bought before this date cannot be found here.
- The VAHAN portal—Ministry of Road Transport and Highways (Morth): Another method of checking if your bike insurance policy has expired or not is to check insurance policy details on the VAHAN portal. VAHAN is an online platform maintained by the Ministry of Road Transport and Highways. It keeps a record of all the motor insurance policies. It is an exhaustive portal in the sense that all insurance policies—be it related to cars or two-wheelers, whether it is for comprehensive bike insurance, own damage or third-party insurance policies—data is available here.
- Personal email subscription: When you buy motor insurance online, you can get the details on your email address. So, if you are looking to check the details of the expiry date of your bike insurance policy, go to your registered email id and search for your policy documents in the inbox. You would have received the policy document at the time of policy issuance. It will have the details regarding the expiry date of the insurance policy.
Besides following the methods mentioned above, you may contact your dedicated relationship manager at the insurance company. Or, you may call the customer service number and seek the assistance of a service representative to know your bike insurance policy validity details.