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Here's How You Can Easily Check the Expiry Date on Your Bike Insurance Policy

By Vikas Chandra Das
08 September 2022, 3:29 PM

Gone are the days when you were required to carry a physical copy of your two-wheeler insurance whenever you ride your bike. Were you aware that due to the pandemic, the Government of India has attempted to make the process of buying vehicular insurance totally online? This means that they now place emphasis on digitalising essential documents, including the insurance certificate. This makes life easier for you as a bike rider, removing the need for carrying papers which can get lost or damaged offline. It also makes it easier to remember the expiry date of the policy, as you get intimated frequently by the company through email notifications. Expired policies can lead to fines, and rejections of your claim if there’s an unfortunate incident. Do you want to know the quickest and easiest way to check the expiry date on your two-wheeler policy? Here are the 5 main ways by which you can do it.

Check Your Inbox

If you have bought your two-wheeler insurance policy recently, then your insurance company would have definitely sent the policy certificate to your email id. In such a case, all you have to do is go to your inbox and put any combination of the words ‘bike insurance policy’ in the search bar and the email with your insurance policy certificate should appear. The registration and expiry date will be clearly given on the certificate.

Also check - Expired Two Wheeler Insurance Policy

Check with Your Insurance Company

In case you may have accidentally deleted the email with your policy, or if you have changed emails or for any other reason you are unable to find the policy in your inbox, the next best step is to visit the website of your insurance company. These days all reputed insurance companies have well fleshed out websites with clear information about their policies. It is extremely easy to input details such as your bike registration number and access your policy document. Where on the website this policy checking service is offered will vary from company to company.

Check via Insurance Information Bureau of India (IIB)

The IIB houses all information related to your insurance policy. 

  • Go to its website and on its homepage, you will see a section titled ‘Quick Links’.
  • Here, you have to click on ‘V Seva’ which will open on a new tab on your browser.
  • This page will display a form in which you will have to fill in details such as your name, address, email id, phone number, and vehicle registration number.
  • Once you enter the captcha code and click on submit, you will be directed to your policy documents with all details including the expiry date.

Note that the website records policies bought only after the 1st of April, 2020.

Check on VAHAN

The Ministry of Road Transport & Highways offers a great service in the form of VAHAN, a website which holds a record of all vehicular insurance policies which have been bought. 

  • Visit the new VAHAN website and click on ‘Know Your Vehicle Details’.
  • Here you will be asked to create an account with your phone number.
  • Once you do that, you have to input details related to your bike, and then select ‘Verify Details’.
  • Your policy document with the expiry date should appear on the screen.

Offline Methods

If you are someone who is not very comfortable with the online mode and would prefer an offline method, then one of the ways to find out the expiry date of your two-wheeler insurance policy is to look up the number of your insurance company. This is why it’s important to choose a reputed company which is known for good customer service. This way, you can be sure of a prompt and hassle-free response.

An alternative offline method is to go to the Regional Transport Office (RTO) where your vehicle is registered. There you will be asked to submit the details of your bike and your insurance policy, and you should get the expiry date. This process will differ from state to state and region to region.


Now that you know how easy it is to check the expiry date of your two-wheeler insurance policy, make sure that you remember to renew it before it expires. Most bike insurance companies have the practice of reminding their customers that their policy’s expiry date is nearing by way of messages and emails. However, in case you miss these notices or simply have the urge to procrastinate on it, it is good practice to keep a repeating reminder on your devices. This way, you will never have to go without the mandatory bike insurance policy and you can ride carefree!



1. Can I renew my two wheeler insurance online?

Yes, it has become extremely easy after the pandemic to engage in any insurance purchasing or renewing processes online. All you have to do is visit the website of your insurance company and they will have all the instructions for you.

2. When is the best time to renew two wheeler insurance?

It is best to apply for bike insurance policy renewal online, at least 1 or 2 days before it expires. This will ensure that you have continuous insurance coverage and you won’t have to pay fines if you are caught with an expired policy. Therefore, it is crucial that you keep in mind the expiry date of your insurance policy. 

3. How to renew your bike insurance policy after it expires?

If your policy has expired and you wish to continue with the same company, all you have to do is visit the website of the insurance company, fill in the details of the expired policy, and make the payment for policy renewal. The insurance company will send the insurance certificate to you by email.

4. What happens if I forget the expiry date and don’t renew the policy immediately?

If your bike insurance policy expires and you have forgotten to renew it, you would be subject to no coverage if you face damage or loss due to an accident, natural or man-made means. Additionally, since it is illegal to drive without a valid policy, if you are caught by traffic police then you may have to pay a hefty fine or even be jailed. However, there is a 90-day period after the expiry of your policy in which it is possible for you to renew it. There won’t be any penalty on the side of the company if you are only a few days past the expiry date. After 90 days, you cannot renew a lapsed insurance policy.

5. Does bike insurance cover the battery?

No. Unfortunately not. But insurance companies offer a few add-ons to support you in a breakdown or roadside assistance, but they don’t cover any aspect of your battery. Hence, it’s better to take good care of it regularly! However, it is always recommended to have bike insurance to avoid many other troubles and save yourself along with your bike.

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