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Grace Period in Two-Wheeler Insurance Renewal

Updated On Aug 24, 2023

Grace Period in Two-Wheeler Insurance Renewal

In insurance, the Grace period refers to the period given to you by the insurance provider to renew the policy and pay the premium. Grace periods give you a few days after the policy renewal due date. 

Grace Period in Two-Wheeler Insurance Renewal

How does it help?

The grace period provides a specific time to pay the premium. If the insurance has expired then the insurance provider has to examine the bike again before renewing it. So, if the renewal is done on time, it would save time and energy for the long and monotonous inspection. 
The clever thing that can be done is to avoid the whole grace period process and follow the natural deadline. If that is hard then one can always set a reminder for 15-20 days before the expiry date. This will help you to look for varieties of policies online, analyze and finally can renew them or buy them.

What happens if the policy has

expired after the grace period?

Most people would be concerned about paying a fine, but in this case of not renewing the policy after the grace period paying is the least of your concerns. You might end up in jail for riding a two-wheeler without insurance, it is so because of the Motor Vehicle Act, of 1988. 
This means that you have to keep renewing the two-wheeler insurance policy from time to time to stay safe and on the right side of the lane of the law. 

Bike Insurance Renewal

If you have seen the above-mentioned points, it has clearly stated
the importance of the renewal of two-wheeler vehicle insurance. It is illegal
for a person to ride without the renewal of the bike. The main reason for the
renewal is comprehensive coverage. This insurance covers:
1.    Accidents
2.    Fire-related damages
3.  Man-made calamities
4.    Natural Calamities
5.    Third-party liabilities
6.    Damage to own bike
7.  Theft

How to renew your two-wheeler

insurance policy

Since we know the importance of renewal, we should know how to do it. We should always avoid a grace period; it is better to renew the insurance before the expiration date. Sometimes there are instances where the insurer calls to give a reminder and for some reason, you are not available. In such cases, a call to the insurer is a must, and then ask them for their help.  
There are occasions where the company might even renew the policy and charge nothing only if it is done a few days before. The policy can be renewed both in online and offline mode. If renewing online, all the vehicle documents must be handy and if renewing offline you will have to visit the insurer’s office.


Now you must have understood the importance of the grace period and that renewing it timely may help a lot, this way you will not be breaking any traffic law. A thorough reading of the policy is a must.

Also Read: Know How Two Wheeler Insurance Protects Your Bike from Fire Damages


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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