Bike is one of the most cost-effective and convenient transportation modes in India. As a bike owner in India, you must carry a valid bike insurance plan for legally riding. However, as every insurance plan has an expiry date, you must check its status to ensure timely renewal and avoidance of hefty fines. In this blog, we will guide you through the process of checking your bike insurance plan online.
How to Check Insurance for Your Bike Using Vahan?
The Ministry of Road Transport and Highways launched the Vahan website to store the data of all vehicles registered in India. Here are a few steps you can follow to check your bike insurance plan status on the Vahan website:
Step 1: Visit the Vahan Website to check your bike insurance status.
Step 2: Enter the required information, such as your registration number, state and the nearest regional transport office.
Step 3: Select the ‘Additional Services’ option from the ‘Services’ drop-down menu.
Step 4: Choose the ‘Know Your Vehicle Details’ option.
Step 5: Provide your bike’s registration number, chassis number, engine number and the verification code displayed on the screen.
Step 6: Enter the OTP received on your registered mobile number to view the bike insurance details.
How to Check Bike Insurance Status Through RTO?
The Regional Transport Office (RTO) registers every vehicle in the region. You can check bike insurance status online vahan by following these simple steps:
Step 1: Visit the website of your nearest RTO.
Step 2: Select the ‘Online Services for Citizens’ option.
Step 3: Click the ‘Vehicle Related Online Services’ option and select the ‘VAHAN Citizen Services’ link.
Step 4: Select the ‘Status’ option on your screen and click the ‘Know Your Vehicle Details’ tab.
Step 5: Enter your bike’s registration, chassis and engine numbers.
Step 6: Fill in the Captcha Code displayed on the screen and click the ‘Submit the Details’ option.
Step 7: The screen will display your bike details, including your bike insurance status.
Why Should You Check Bike Insurance Status?
A bike insurance check is a hassle-free process of researching several insurance providers to assess whether you get the best coverage concerning the plan. Here are a few reasons why you must vahan insurance check for your bike:
- Bike’s Age and Usage
If you ride your bike extensively, you must monitor your bike insurance coverage. In addition, periodic insurance checks are crucial for older bikes that have seen heavy usage and covered long distances.
Moreover, newer bikes often have higher insurance premiums that may decline over time. With frequent riding, the likelihood of accidents increases, making adequate coverage necessary. Hence, proper insurance ensures financial security in case of damage or accidents, offering peace of mind when required.
- Change in Coverage Requirements
If you already possess a bike insurance plan, you may plan to shift at some point. As bike insurance has been mandated by the Motor Vehicles Act of 1988, you must buy the bike insurance policy during the bike purchase.
Besides, you can always change it once you purchase the bike insurance policy to meet your specific needs. For instance, if you move to another place, you can change the insurance policy so you get the best coverage possible. You can further update the policy in case of a change of the bike and reassess the coverage by reviewing it at regular intervals.
- Avoid Fines and Penalties
A bike insurance check ensures it is valid and you are always on the safer side to ride lawfully in India. For instance, expired bike insurance may make authorities penalise and fine you for riding without a valid plan.
Hence, you must check the insurance plan periodically to ensure its validity. In addition, you must renew the plan when it is due to avoid such penalties and fines. You can also set up reminders for renewal dates to avoid lapses and enjoy uninterrupted insurance coverage on your bike.
- Change in the Insurance Provider
If you already possess a bike insurance policy, you can have several reasons to change the insurance provider. However, before you change your insurance provider, there are several things you should keep in mind.
For instance, you have to compare your existing plan with other plans to get the best insurance coverage. Furthermore, checking the premium rates of different insurers ensures you do not overpay for insurance and get the protection you need for your bike.
Final Words
Henceforth, you need to keep track of your bike insurance status and ensure it is updated. You can also renew the plan before it expires to ensure you ride legally in India. Therefore, you can follow the above steps to check the insurance status of your bike.
