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The Ultimate Guide to the Break-in Period in Bike Insurance That You Need to Know

By Juhi Walia
26 October 2022, 4:47 PM

In the past years, two-wheeler accidents have increased by a fair number. Therefore, proper bike insurance coverage is essential to protect yourself from such incidents' financial burden. Constantly checking the status of your bike insurance policy is crucial. Ensure that you do not give up any of the offered benefits and do not miss out on the renewal date.

What is the Break-in Period in Bike Insurance?

The break-in period refers to the grace time after the policy's expiration, during which you can still renew it without purchasing a new one. It is beneficial considering that there is a chance that we might miss the deadline to renew our bike insurance policy.

Suppose your policy has expired, and you continue it online during the break-in period. In that case, you won't have to get your bike inspected. This break-in period usually lasts between 30 and 90 days after the policy has expired, after which you will lose all your No Claims Bonus (NCB).

It is advisable to review the terms and conditions on bike insurance renewal notices, as the break-in period may differ from company to company.

Tips for Renewal of Two-wheeler Insurance Policy in the Break-in Period

  • You may quickly renew your insurance for a two-wheeler insurance renewal, with only a minimal amount of paperwork and policy information required.
  • The insurance can be renewed easily and quickly online, directly with the insurance provider, or through reputable third-party bike insurance.
  • If you are unhappy with the services offered by your existing bike insurance company, you can switch to a different insurer.
  • You can also renew your two-wheeler insurance by going to the provider's office and completing the necessary steps.
  • If you renew during the break-in period, the best bike insurance company will send an authorized person to do a two-wheeler survey. The surveyor will look over your two-wheeler and evaluate its condition, as well as its maintenance, any damages or worn parts, and any other relevant factors.

To Renew Your Break-in Two-wheeler Insurance Policy, the Following Documents are Required:

  • Personal information
  • Prior bike insurance policy number
  • Date of birth
  • Details regarding the insured vehicle

How Do You Renew Your Bike Insurance Policy During the Break-in Period?

Renewing Online

You will not only save time, but it's also eco-friendly if you complete all of the steps in this process online. A simple mouse click is all that's needed to renew the policy:

  • Information about your policy, driving licence, vehicle's make and model, RTO, registration certificate, and other relevant documentation should be readily available.
  • Visit the insurance company's website, select the option to renew your policy online, and then fill out the required fields with the necessary information.
  • Before you click "Submit," double-check the information you've put in the boxes.
  • Upon receiving your information, the insurance company will provide you with an estimate to renew your two-wheeler insurance.
  • You can pay for the insurance purchase with a debit card, credit card, or by using NEFT or IMPS.
  • You will instantly receive insurance paperwork through email, or you will be able to download them from the website.
  • On the insurer's website, you will find the option to create a reminder, allowing you to renew the policy at the appropriate time.

Renewing Offline

  • Go to the insurance company office from which you bought the policy. Bring all required documentation, including your registration certificate, driver's licence, vehicle model, RTO data, bike insurance policy details, etc.
  • Get an inspection of your vehicle from the survey inspector.
  • After the survey inspector gives the all-clear, you should get the clearance certificate and send it in with the other required paperwork to the insurance company.
  • The best bike insurance company will review the paperwork you have provided to them.
  • If all the papers are correct, the policy will be sent to your home address by post within a week.

The Downsides of Break-in Period When It Comes to Bike Insurance

Effects on Financial Security

The primary objective of purchasing insurance is to protect oneself financially against losses that may result from unintentional damage. You are responsible for the costs associated with any damage done to your vehicle if it occurs in the break-in period.

To protect yourself financially against such accidents, you should renew your insurance on time. This period is equivalent to travelling without an insurance policy. With digital insurance providers, it is possible to rapidly continue a bike insurance policy via the digital platform.

Legal Consequences

The Motor Vehicles Act, 1998, makes any vehicle registered in India necessary to maintain a bike insurance policy. Having coverage from a third party is a necessity, at the very least. If you do not have one, operating a vehicle in India is illegal.

Suppose an individual is operating a vehicle without a valid insurance certificate. In that case, they may be subject to significant financial penalties.

Impact on No Claim Bonus(NCB)

Your insurance policy for a motorcycle or scooter includes an NCB. Go an entire year without claiming your bike insurance policy. Your insurance provider will reduce the amount of your subsequent premium payment as a reward.

Your NCB will be 20% for the first year you have it. It can reach maximum up to 50% without a bike insurance claim being submitted after 5 consecutive years.

Read more - How to Calculate NCB for Two Wheeler Insurance?


The thrill of a bike ride is undeniable. Still, road conditions' danger needs the best bike insurance protection. It is essential to make mistakes on the side of caution and check to see that the bike insurance is not past its expiration date in the first place.

On the other hand, we can not miss the bike insurance renewal date on the two-wheeler insurance, which might result in a lapse in coverage. In this case, a break-in period can save your life because it lets you renew your bike insurance while keeping the benefits, like the no-claims bonus, and lets you quickly get coverage again. 

Read more - 5 Benefits of Two Wheeler Insurance Policy


1. What is the policy period in bike insurance?

The term "policy period" refers to the length of time that an auto insurance policy is in effect. The period between the precise day and hour when the policy first went into effect and the moment when it is no longer valid is referred to as the duration.

2. Will there be an inspection even during the break-in period of the bike insurance?

Some insurance firms will inspect your vehicle before renewing your expired coverage. 

3. What is the fine for driving without bike insurance after your expired policy?

On your first offence, you could face a fine of up to INR 2,000 and/or three months in prison if you are caught driving a bike without valid insurance. Second offence: INR 4,000 and/or 3 months in prison.

4. Will you be eligible to raise claims during the break-in period?

During the break-in period, you can't file claims. You have 90 days from the policy's expiration date to renew, but you can't file claims.

5. Can you avail of the NCB or No Claim Bonus in the break-in period?

Only when you successfully renew your plan during the first 90 days of the break-in period will you be eligible to receive the NCB.

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