How to Get Bike or Two Wheeler Insurance Details by Registration Number

Additionally, under the “Personal Accident Cover”, most of these insurance plans protects the rider against accidental death or any major injury.

The department that deals in India’s bike insurance sector is IRDAI or the Insurance Regulatory and Development Authority of India. As per IRDAI’s law, it is compulsory for an insured bike to have all the bike details or the insurance documents to process a claim, without which the claim gets rejected by the company.

Thus, it is important to safeguard the policy documents of your bike to be able to successfully process a claim. These days the availability of online insurance plans for bike makes it easy for insurance owners to preserve the bike number details by storing the soft copies of the document in their personal gadgets and on emails. But one can also use the registration number of his/her bike to recover the policy documents.

What is Registration Number in Bike Insurance?

You must have heard about registration number of a vehicle. But what exactly is a registration number. In simple words, the registration number is the authorized identity number of a two-wheeler issued to a new vehicle by the Regional Transport Office (RTO) of India present in every district of the country.

The owner of a newly purchased vehicle is expected to register the vehicle with the regional RTO office within a month of acquiring it. The RTO then issues a unique number to the vehicle, in case of a two-wheeler it is fixed at the back of the two-wheeler on a metal number plate. Depending on the type of vehicle, the sanctioned structure of the registration number differs to make it easy to identify a specific vehicle.

The registration number is a combination of unique numbers and letters to indicate the particular state and district where the registration was done. Overall, the series goes like this:

• First two letters show- State code
• The second two letters show – District code
• The next letters display the current RTO series and
• The last four letters signify the unique vehicle number

For Ex: Let’s assume the Bike Number is – UP 1SAB 3732

So, now –

UP – is State Code

1S – is District Code

AB – is RTO Series

3732 – is Unique Vehicle Number

Because of this unique system of numbering, it is very easy to identify and track bike details by number.

How to Find a Bike Insurance Details by Registration Number?

A two-wheeler is given a registration number, which is a special number. It is used to verify the information about the connected two-wheeler.

You can retrieve two-wheeler insurance information by the registration number if you want to know when the policy will expire but do not have the policy number.

Step 1 –  Visit the State Transport Department’s, RTO’s, or Ministry of Road Transport & Highways’ official website.

Step 2 – All of the information about the motor vehicle insurance policy will be shown here after you enter the vehicle registration number.

Step 3 – To find out more about the bike insurance policy, visit the Insurance Information Bureau’s website, which is governed by IRDAI.

These websites all have the ability to give the registration number. Additionally, you can find details about the policy’s validity, expiration date, and other relevant bike information with ease.

Is it possible to buy bike insurance by using the registration number?

The registration number of a bike is required at the time of buying an online insurance. When the insurer purchases the policy, the details of the same is generated and gets added to the bike’s registration number. This way, the RTO as well as state/central government agencies can track or access the bike owner details. They can also trace vehicle owner name by vehicle number, which contains the registration number.

How can you renew two-wheeler insurance by using registration number?

The registration number can also be used to renew an insurance policy. Since the details of the insurance gets attached to the registration number, so it can be used to renew a policy when there is a need. Moreover, one can also get insurance policy downloaded by vehicle number.

Can you check two-wheeler insurance status by using registration number?

Yes, the registration number of your bike can definitely be used to check the status of your two-wheeler insurance. Since all the details of your insurance policy is attached to your registration number, you can access it through your that unique number. Moreover, the information is also uploaded in the insurance agency’s website as well as in the IRDAI website for easy access.

For instance, if someone wants to find out the last date of his/her bike insurance policy and forgets the number, then it is possible to find the vehicle insurance details by registration number in India. You can use any of the official websites such as the RTO, State Transport website, or the website of the Ministry of Road Transport, Govt. of India to verify the status and other details of your policy.

What happens if someone loses the registration number?

Well, registration number of a two-wheeler or four-wheeler is the same as the number attached at the back of the vehicle in a metal plate. Thus, by bike number check given on the vehicle’s number plate, it is easy to find the registration number. Also, in case the bike goes missing or is stolen, one can use the RC or registration certificate to check the registration number. So, it is easy to access the bike owner details by number plate of a vehicle.

Facts to know about registration number of two-wheeler in India

• Once you procure a registration number on a new vehicle, it stays valid for up to 15 years.
• After the initial 15 years term, one has to re-register the vehicle and then follow the procedure in every five years time.
• Irrespective of the place/state of registration of the vehicle, it stays valid in all other states of India.
• The re-registration of a vehicle depends on the bike details and its many aspects, such as, how old the vehicle is, its pollution generation status, as well as its compatibility with the road.
• If a vehicle registered in one state is moved permanently to another state, then registration of the same needs to be done at the RTO of that state after 12 months.

Other methods of procuring details of insurance documents for two-wheelers

Here are some other ways of getting the insurance details of a bike

• By contacting the insurance agency and requesting them to issue duplicate papers for the policy.
• The insurer has to offer certain bike number details for the same to the insurance provider.
• Also, the insurer might have to pay a certain fee for the same.
• In some cases, you might even have to present a declaration ad in the newspaper stating that you lost your insurance papers.