As per the Ministry of Road Transport and Highways, Indian roads see approximately 1.5 lakh bike accidents every year, showing that bike riders are highly susceptible to accidents. Bike insurance covers you against losses incurred due to damage to your vehicle, damage to any third-party property or life, and even theft.

Moreover, riding your bike without insurance makes you liable for hefty fines. Renewing your two-wheeler insurance on time helps you stay protected against unforeseen expenses. Here is a guide to the bike insurance renewal process.

Make use of online portals for bike insurance renewal

To renew your bike insurance online:
  • Visit the online portal of your insurer.
  • Enter details of your current policy.
  • Include add-ons if you want any.
  • You will get the premium quote based upon the Insured’s Declared Value (IDV) of your vehicle.
  • If you had made no claims the previous year, you get a No Claims Bonus.
  • Make an online payment through credit or debit card or net banking.
  • Take a print out of the transaction.
The digitally signed soft copy of your insurance policy will be emailed to you soon, and you will receive the hard copy by post within a few days. Online bike insurance renewal is hassle-free and quick and ensures that you never have to go without coverage.

Download your insurance provider’s mobile app

Download your insurance company’s app to get notifications about your insurance policy’s expiry ahead of time. The app lets you renew your plan on the go, even when you do not have access to a PC or laptop. The exact steps might differ from one provider to another, but the fundamental procedure remains the same:
  • Download the official mobile app.
  • Enter all details pertaining to your bike and your current policy.
  • Agree to all terms and conditions.
  • Pay the quoted premium via net banking or card.
  • You will receive instant confirmation of renewal and the soft copy of the policy by mail.

Visit the insurance company’s branch office for bike insurance renewal

Some Indian consumers may not be tech-savvy or can be uncomfortable with online transactions. They can visit any branch office of the insurance provider to renew their policy. For offline bike insurance renewal, keep the following in mind:
  • Carry your previous policy with you as reference.
  • Speak with the customer service department beforehand to find out the premium amount.
  • Carry the amount in cash, cheque or as a bank draft.
  • Fill up the relevant renewal form and sign at the designated place.
  • Collect your payment receipt.
After your payment is cleared, you can collect the policy document from the insurance office or request to have it posted to you.

Click here to apply for a two wheeler insurance.


The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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