How to Perform a Comprehensive Insurance Check for Your Bike and Four-Wheeler?

When you own a bike or four-wheeler, securing the right insurance coverage is essential to maintain your finances during emergencies. Buying the ideal vehicle insurance protects you financially from accidents, thefts, or legal liabilities.

However, purchasing vehicle insurance is not enough. You must regularly do insurance check bike and four-wheelers check to ensure you receive adequate financial coverage. In this blog, we will guide you on how to do comprehensive insurance checks for your bike and two-wheeler.

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How to Do Insurance Check for Bikes and Four-Wheelers?

As vehicle insurance is mandatory in India, you must check it regularly to ensure it is valid and avail best deals. Here are a few ways you can do an insurance check for your bike or four-wheeler:

Using Insurance Information Bureau Platform

The Insurance Information Bureau (IIB) was established by the Insurance Regulatory and Development Authority of India (IRDAI) to collect insurance sector data.

Here is a step-by-step you can follow to do an insurance check for your vehicle:

Step 1: Visit the official website of the Insurance Information Bureau.

Step 2: Click the ‘V-Seva’ option from the ‘Quick Links’ menu on the homepage.

Step 3: You will get redirected to the ‘Accident Vehicle Information Retrieval System’ webpage.

Step 4: Enter the required information, such as your name, address, email address, mobile number and bike registration number.

Step 5: Fill in the Captcha code and click the ‘Submit’ button.

Step 6: After submitting the information, the screen will display your insurance information.

Using the Parivahan Website

One of the easiest ways to check your vehicle insurance is through the Parivahan website. You can follow these simple steps to check your bike or car insurance online through Parivahan:

Step 1: Open the Parivahan Sewa’s official website.

Step 2: Scroll through the menu bar and select the ‘Informational Services’ option.

Step 3: Select the ‘Know Your Vehicle Details’ from the drop-down menu list.

Step 4: You will be redirected to VAHAN, the national register e-services website.

Step 5: Login into the account using your credentials.

Step 6: Provide the verification code and your vehicle registration number.

Step 7: Select the ‘Search Vehicle’ option and check the insurance status of your vehicle.

Step 8: You can check all details related to your vehicle, such as registration details, insurance status, etc.

Using the Insurance Provider Website

Another convenient way to check your four wheeler insurance status is through your insurance provider.

You can follow these simple steps to check your bike insurance status through your insurance company:

Step 1: Visit the insurance company’s website or download its mobile application.

Step 2: Log in to your account using the credentials.

Step 3: Enter your bike registration number and registered mobile number to check the insurance status.

Step 4: Once you enter the details, the policy card will display the validity of your bike insurance plan.

Why is it Crucial to Check Vehicle Insurance Status?

With technological advancements, it has become easy to buy vehicle insurance and check the insurance status online. In addition, you must check the insurance status to ensure it is valid and get better deals.

Here are a few reasons why you must check your vehicle insurance status:

Staying Informed About Policy Changes

Insurance companies often adjust the terms and rates on the basis of several factors, like regulatory changes, market trends and claim data. Hence, checking your insurance enables your coverage to remain relevant and suitable for all your requirements. It also helps you to make timely adjustments and ensures you get the best value from your insurance coverage.

Identifying Cost-Saving Opportunities

One of the key benefits of monitoring the bike insurance policy regularly is that you can identify the areas of cost-cutting. As bike insurance premiums can change over time due to riding habits, competition among insurers, and depreciation of your bike, it is important to keep track of your policy details.

Adjusting Coverage to Suit Changing Needs

When you check your bike insurance plan, you can determine whether the existing coverage is adequate according to your specific requirements. By reassessing your bike insurance plan, you can ensure your policy remains relevant and offers the necessary coverage. Moreover, it enables you to update the coverage according to your requirements, preventing gaps and unnecessary expenditures.

Preventing Overpayment to Ensure Value for Money

If you fail to monitor your bike insurance plan regularly, you may end up overpaying or missing opportunities for better value. As many individuals renew their policies without looking for better alternatives, it becomes difficult for them to offer better deals. Hence, the online insurance check enables you to compare rates and consider different insurance providers so you can secure the best deal.

Final Words

Therefore, regularly reviewing your bike or four-wheeler insurance plan helps safeguard your finances, vehicle, and personal well-being. It also ensures that your policy is valid and that you are not riding illegally in India. In addition, by keeping your insurance up to date, you ensure that your coverage aligns with your current needs, complies with legal requirements, and can potentially save you money.