How to Check Bike Insurance Status Online via VAHAN Sewa & RTO?

Understanding the Validity of Bike Insurance Policy

Every bike insurance policy has an expiry date and usually has a one-year validity. As a policyholder, you must renew your bike insurance policy before the expiry date.

New bike owners must buy a third-party bike insurance policy for 5 years and 1 year of own-damage cover. Although there are bike insurance policies with 1 to 3 years of tenure, you can purchase according to your requirements. It is advised that the policy be renewed on time.

How to Check Bike Insurance Policy Status Online on Parivahan Sewa?

The Ministry of Road and Transport & highways launched and maintained a Parivahan or VAHAN Sewa website. A centralized website stores the data of all the vehicles registered in India. When a person buys or renews their bike insurance policy, the website updates the data within two days.

To check the status of your bike insurance on the VAHAN website, you must have your policy number, the DOB of the policyholder, and your registered mobile.

Here are the steps to check your insurance policy status online on the Parivahan Sewa website:

• Step 1: Visit the Parivahan Sewa official website or parivahan.gov.in for bike insurance status.
• Step 2: Find the tab on the menu bar, "Informational Services", and click on it.
• Step 3: Click the "Know Your Vehicle Details "tab from the drop-down menu.
• Step 4: It will take you to the Vahan NR e-Services page.
• Step 5: To log in, enter your registered mobile number.
• Step 6: Then, fill in your bike registration number and verification code.
• Step 7: Click on the "Search vehicle" tab.
• Step 8: The details of your bike, including the bike insurance expiration date, will appear on the screen.

How to Check Bike Insurance Status Online on RTO?

The Regional Transport Office (RTO) registers every vehicle. To find out your bike insurance policy expiry date, you must visit your state's RTO website. You can follow the steps mentioned below to check your bike insurance policy status online:

• Step 1: Visit the RTO's official website.
• Step 2: Click on the option "Online Services for Citizens".
• Step 3: Click on the option "Vehicle Related Online Services".
• Step 4: Now click the "VAHAN Citizen Services" link.
• Step 5: You can see a tab on the menu bar as "Status". Click on it.
• Step 6: Now click on the "Know Your Vehicle Details" tab.
• Step 7: Enter your bike’s registration, engine, and chassis numbers.
• Step 8: Fill in the Captcha code visible on the screen and click on "Submit the details".
• Step 9: Now, you will see the details of your bike on the screen and your bike insurance status.

Why is Timely Bike Insurance Renewal Important?

The insurance company will not cover you if you do not renew your policy before expiration. There are several complications if you do not renew your policy on time, such as:

1. Leads to Penalty

   Third-party bike insurance is mandatory, and if the policy expires and you do not renew it on time, it violates motor vehicle law. If the traffic police catch you and you cannot show them the insurance policy when asked, they can issue a challan against you.

   The penalty for not carrying a valid two-wheeler insurance policy in India is ₹ 2000 and/or 3 months of imprisonment and community service; if you violate it for the second time, you will be fined ₹ 4000.

2. Rejection of Claim

   If you do not renew your policy on time, the insurance company can reject the claim you raised. The insurance company will not cover the third-party liability in case of damage or loss caused by an accident. You will have to pay for the damage or loss out of pocket. Hence, the whole purpose of the insurance policy will be lost.

3. Higher Premium Rate on Renewal Post Expiry

   If the bike insurance policy has lapsed and the insurance company agrees to renew it, they will charge you higher premium rates after witnessing your carelessness. Apart from this, the insurer will also inspect your bike for damage; you will have to pay a higher amount when they renew the policy.

4. Loss of NCB

   NCB stands for No Claim Bonus. It is an added benefit and provides a certain percentage of savings on your premium rate on renewal for every consecutive year only if the policyholder does not raise a claim. You can save up to 50% on your premium rates if you do not raise a claim for 5 consecutive years.