Insurance

Know How You Can Get The Details Of Bike Insurance By The Registration Number?

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A motor insurance policy is mandatory for all vehicles registered in the country. Be it a two-wheeler or a four-wheeler, the insurance policy is a regulatory requirement by the Motor Vehicles Act of 1988. But to ensure your vehicle is identifiable, every vehicle needs to be registered with the regional transport office or RTO that issues a registration number. Thus, when you buy bike insurance, online or offline, the policy mentions the registration details of your bike when buying its insurance cover.

The insurance policy of your bike plays a significant role to compensate for the damages and third-party losses. But what if you lose your policy? Is it possible to recover it using the registration number? If these questions are bothering you, this article has you covered. Continue reading to know more about how to get the details of your insurance policy from the registration number. *

But, before that, let’s take a step back to understand the registration number of your bike.

What is the registration number of your bike?

A unique number issued by the RTO of your state to your two-wheeler is the registration number of the vehicle. Be it a bike or scooter, all of them have a unique number that is not duplicated.

When buying a new two-wheeler, the registration number of the bike serves as a unique field to attach other necessary details like the PUC certificate and the bike insurance policy. Without the registration number, these details cannot be mapped to your specific vehicle, and hence, is necessary. For this reason, it is made mandatory by the Motor Vehicles Act to register your bike within 30 days. Driving a vehicle without registration attracts hefty penalties.

The registration number across the nation has a standardised format where the first two letters are the state code, followed by two digits indicating the registering RTO. Then, two/three letters denote the series of the registration which is followed by four unique digits allocated to each vehicle. The last four digits are the real differentiating factor for every vehicle registered from the same RTO with the same series. * Standard T&C Apply

What is the process to get your bike insurance policy’s details using the registration number?

When you buy a bike insurance policy, whether a third party bike insurance planor a comprehensive policy, the details of the insurance plan are mapped to your unique registration number. These details are then available to the RTO, state and central government. In addition, these details are also made available to the regulator, the Insurance Regulatory and Development Authority of India (IRDAI). Thus, in case of loss of your policy, they can be accessed as follows:

  1. Visit the RTO’s website where your bike is registered. Here, you can provide the registration details of your bike to get information about your insurance policy.
  2. You can also use the website of the State Transport Department and enter the registration number to load the insurance details.
  3. The Parivahan website of the Ministry of Road Transport and Highways also provides information about your bike insurance policy based on your registration number.
  4. Lastly, using the Insurance Information Bureau (IIB), you can access the details of your bike insurance policy.

* Standard T&C Apply

The bike insurance price is based on the type of policy you buy. Thus, remember to always compare the available options and select a policy that balances features and price.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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