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Check Bike Insurance Policy Expiry Date

Updated On Feb 14, 2022

Check Bike Insurance Policy Expiry Date

Some people opt for bike insurance plans from people or websites they don't know, merely for the sake of grabbing an inexpensive rate. While you may not find any difference at first in the policies' documents, you may run into difficulties later when making claims. Hence, a bike insurance plan should always be purchased from a reputed insurance provider or from a reputable broker.

1. Check the Policy Documents

After purchasing the bike insurance policy, do check your policy document to confirm if it is offering you the same that was advertised by the insurance provider or something different. It is a common way to confirm the originality of your bike insurance plan. For instance, if you have purchased the cover after seeing an advertisement where the insurer is offering high IDV (Insured Declared Value), long policy term, or free add-ons, you may find IDV of lesser amount than promised, shorter policy term or the add-ons might be missing in the policy documents in case of invalid or fake cover.

2. Check the QR Code

For bike insurance policies in India, the IRDAI (Insurance Regulatory and Development Authority of India) has required QR codes to be printed on all policy documents. In this way, it is easy to verify your insurance coverage since the QR code confirms the authenticity of the bike insurance plan. If a policy document does not have this QR code imprinted on it, then there is a possibility that you might have bought a fake policy. In such cases, you should get in touch with the insurance company.

3. Insurance Policy Verification Link

Many insurance providers provide the verification links on their websites and let the bike insurance policy purchase process complete only after you validate this purchase by visiting the link. This is the finest way with which you can be sure that the policy which you are buying is completely genuine. However, these days many online platforms offer many types of insurance policies of different insurance providers. If you have bought your policy from any such third party portal, you should get it verified by contacting the insurance company.

What to Check When Renewing Bike Insurance?

The following are the things you should keep in mind before renewing your bike insurance:

  • Renew Well Before Expiry Date

Do not wait for your policy date, renewing 45days before expiry is the optimal time. It will give you a buffer period, just in case there are any hiccups.

  • No Claim Bonus

Is a reward the insurance company gives the policyholder for a claim-free year and is cumulative in nature, reaching 50% in the 6th year. Make sure to keep it intact and use it during renewal to purchase insurance at a lower premium.

  • Check the Policy Coverage

There are a number of changes that can be made to a bike insurance policy over a year. Check these changes to make sure the policy still fits your needs.In case you notice any discrepancy in the information of your policy this is also a good time to get it rectified.

When Should You Renew Your Bike Insurance Policy?

You may need to purchase a new policy if your bike insurance insurance policy has expired due to you not renewing the policy before it expires. However, insurance companies offer a grace period to renew your policy even after the expiry date, but it comes with a penalty. However, it is considered the best to renew the insurance policy before its expiry date without fail. If you want to get rid of policy renewal process every year, you can choose an insurance cover with a longer policy term. 

How Can You Renew Your Bike Insurance Policy Online?

Online, you can renew your bike insurance policy by visiting your insurance provider's official website. After entering your existing policy details, you can add or remove a bike insurance add-on cover, customise your insurance plan, and then make the payment. However, it is a common way to renew a policy, but it can vary from insurance company to insurance company. After you successfully complete the payment process, the insurance company will send the policy document to your registered email ID. 

It is highly recommended to renew your insurance cover within the due period as failing to renew your plan can make you lose various benefits like No Claim Bonus, etc., which are accrued in your policy.


Relying only on reputable insurers is one of the best ways to avoid getting scammed. You can still use the above points to confirm if the bike insurance plan you purchased is genuine or fake if you purchased it from another source.

Comparing insurance for your two-wheeler is a must. On InsuranceDekho, you can do a comparison of bike insurance companies, the quotes they offer, and check their network of cashless garages in just a few clicks. After entering your existing policy details, you can add or remove a bike insurance add-on cover, customize your insurance plan, and then make the payment. Some useful add-on covers are the zero depreciation cover, the roadside assistance cover, the consumables cover and the return to invoice cover.

Related articles:

Two Wheelers Under 1 Lakh in India

Two Wheeler Insurance Online

Third-Party Bike Insurance

Renew Expired Bike Insurance

Cashless Two Wheeler Insurance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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