7 min read
Updated on Sep 26, 2022
Having a vehicle insurance is mandatory in India – be it for two-wheeler or four-wheeler. An insurance covers a two-wheeler owner against any damage caused to his/her bike as well as it covers any third-party damages in case of an accident. It also insures the vehicle owner against theft or loss of bike. 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.
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:
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.
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.
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.
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.
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.
Here are some other ways of getting the insurance details of a bike
It is mandatory by the law in India to have an insurance on your vehicle, without which it is illegal to drive on the roads. Thus, having an insurance on your two-wheeler is a must. Though the bike details of your two-wheeler insurance policy can be procured in many different ways including your bike registration number, but it is still advisable to keep a photocopy of the insurance plan handy at a safe place to avoid any trouble.
Q: How to find bike insurance details online?
To find bike insurance details online, you can visit the website of the State Transport Department.
Here you need to enter the registration number of your bike to check the insurance details of your
bike. The Parivahan website of the Ministry of Road Transport and Highways can also be used to get
your bike insurance details. Here, you need to enter the registration number of your bike
to get the details.
Q: How to find bike insurance by registration number?
To find the bike insurance by registration number, you must go to the official website of the RTO
where you registered your bike. Here, you must enter the registration number of your bike
to get your bike insurance policy details.
You can also visit the website of the State Transport Department of your state
and submit the registration number of your bike to check bike insurance policy details.
Q: How can I check my insurance details?
You can check your insurance details through VAHAN portal.
Q: Steps to checking insurance details by bike registration number?
To check insurance details by bike registration number, you can visit the website of the
State Transport Department. Here you must enter the registration number of your bike
to check the insurance details. Another way is to visit the Parivahan website of the
Ministry of Road Transport and Highways. Here, also you need to enter the registration
number of your bike to get the details of your bike insurance.
Q: How can one find a bike insurance policy number?
To find your bike insurance policy number, you can call on your insurance providers
customer service number and ask for your policy number. You will have to provide the requested
details to the customer executive and in return can get you your car insurance policy number.
You can find the customer care number of your policy provider from their website.
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Table of Content Stages Of Driverless Cars The Safety Mechanism of Autonomous vehicles Driverless cars impact on motor insurance Industry Driverless Cars and Insurance Policy.
Table of Content What is RC and How Does it Work? How to Secure RC Book? Meaning of RC Smart Card Documents Needed to Obtain.
Table Of Content IRDA Full Form IRDA Guidelines for Third-Party Motor Insurance IRDA Guidelines for Comprehensive Motor Insurance IRDA Guidelines for Claim Settlement IRDA Guidelines.
As per the new mandate by the Central Government, it is imperative for all motor vehicles manufactured and sold after 2020 to comply with BS6.
A not-so-popular insurance term but very useful for policyholders, this blog details the meaning of the knock-for-knock agreement and how it helps the insured. While.
How Does Your Motor Insurance Policy Change After the Installation of LPG/CNG Kit? Wondering, what are changes LPG/CNG Kit installations will make to motor insurance.
Easy Way to Carry Vehicle Documents Digitally through Digilocker and mParivahan Do you know that carrying your vehicle documents digitally is possible? Yes, you can.
Speak to our advisor
Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2022 Mahindra Insurance Brokers. All Right Reserved.