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Essential Documents to Have While Renewing Bike Insurance Policy

By Juhi Walia
08 September 2022, 3:55 PM

When looking to renew a bike insurance policy, we must have all the required documents as it will help speed up the procedure and ensure that there are no pitfalls along the way. When people try to renew their bike insurance policy, at times they do not have some of the information or documents. This can cause a delay in getting the policy renewed. So what do we need to renew our bike insurance? Let's look.

Checklist: Documents for Bike Insurance Renewal

Driver's Licence 

The driver's licence is essential because it verifies your identity. It also allows your insurance company to check your driving record. This will tell them how often you have been in accidents or have been caught over-speeding.  

Bike Insurance Policy 

You need to provide your bike insurance policy copy while renewing. This is because the company will need to know whether your bike is insured or not. An insurance policy legally protects you from any mishaps that might happen while riding. 

Proof of Address

Proof of address is any document that has your address on it. This can be a utility bill, a bank statement, or a mobile phone bill. Your address is essential because the company needs to know that you are a resident of the state we are insuring the bike in.

For example, sometimes, you can change your address without re-applying for insurance. If you move within or move to a new apartment within the same state, you can merely inform your insurance company of your address change. However, if you are moving out of the state or getting a different type of address, you will have to re-apply for an entirely new policy.

Registration Certificate of Your Vehicle

RC stands for Registered Certificate. This is proof of ownership of the bike. This will help the company know that you own the bike. RC should be in your name and your name only. The company might ask you to pay the full amount if it is not in your name. 

Read more- Easy Steps to Apply for Duplicate RC Online and Offline Explained

The Latest Inspection Report

The insurance company wishes to inspect your bike if you are insuring it after the expiry date. The latest inspection report only applies if your bike falls into the category of scheduled or annual vehicles. This category means that your bike needs to undergo an inspection every year or on a specific date. 

Things to Keep in Mind Before Renewing Your Bike Insurance

Cost of Renewal

Before you renew your bike insurance, make sure you have the funds. Insurance companies will ask you to pay the premiums when you renew the insurance policy, and you will have to pay them before your old bike insurance policy expires. This can lead to policy lapse if you don't have enough money.

If this happens, you might have to re-apply for a new policy, which can take a while since you will be a new applicant and may get rejected because of your record. For more clarity, you can call your insurance company and ask them how much your premiums will cost. 

Read more- Is it Safe to Purchase or Renew Your Two-wheeler Insurance Online?

Have the Bike Checked 

It is essential that before you renew your bike insurance policy, you ensure your bike is in good condition. If there are any issues with the bike, you need to fix them before renewing your policy. This will guarantee the renewal of your insurance.

Keep Track of the Documents 

Keeping track of important documents like your RC, bike insurance policy, and bill of sale will go a long way in ensuring that your bike insurance renewal goes smoothly. Keeping your documents in a file will help you locate them when needed. 

Compare Rates 

When we are ready to renew the bike insurance, take the time to compare rates between different insurance companies. This will help you find the best deal and the best bike insurance company.

Read more- The Best Way to Compare Bike Insurance Quotes


These documents will help you undergo the renewing process of your bike insurance quickly and easily. Keep these documents in a file in case you ever need them. You never know when they might come in handy. Having your paperwork in order will reduce your stress when it comes time to renew the policy.

Read more - Avoid These Mistakes When Renewing Your Bike Insurance Policy Online


1. Which insurance policy is compulsory for a two-wheeler?

For two-wheelers, third-party bike insurance is compulsory as per the Motors Vehicles Act, 1988.

2. What happens if you do not renew your bike insurance policy?

If you do not renew your bike insurance policy before the expiration date, you may no longer be eligible to receive claims, and your bike insurance policy may lapse.

3. How safe is it to renew bike insurance online?

It is completely safe to renew the bike insurance online from a trusted insurance party.

4. How to renew bike insurance before it expires?

To renew your bike insurance before it expires, you need to inform your insurance company, or you can visit the insurance company's official website, fill in the required details and make the payment.

5. What is the grace period to renew insurance for two-wheelers?

If you fail to renew your bike insurance before the expiry date, you can renew it within the grace period, which is 90 days from the expiration date.

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