How to Get Bike Insurance Details by Registration Number

Whenever you purchase a bike, it comes with a registration number. What address is to a home, a registration number is to a bike or any other vehicle. Without this number, driving a bike or any two-wheeler becomes illegal and a punishable offence. Hence, to understand the necessity of this number, it is imperative to go through its meaning first.

What is a Bike Registration Number?

The registration number is a unique number issue by the Regional Transport Office (RTO) of your district. Every two-wheeler vehicle, be it a bike, scooter, scooty, etc., owns a different registration number. After the purchase of a bike, the owners are required to get it registered within 30 days at the local RTO. On the successful registration, the RTO issues a bike registration number which comes as its identification with which vehicle and its owner can be identified. The registration number is to be printed on a number plate that has to be fixed on the bike as a compulsion.

The registration number comes in a specific format such as UP 32 PQ 0001. Here, every letter denotes something, which helps the officials to reach the bike and owner for different purposes. The first 2 letters ‘UP’ stands for the state in which the bike is registered, which is Uttar Pradesh (UP) in this case. After that, ‘32’ refers to the code of the district where the registration of the bike is done. Then ‘PQ’ indicates the sequence of the RTO, while 0001 is the unique number allotted to the bike. However, the first 6 digits of two or more bikes could be the same, but the last 4 digits would always be different which distinguishes the vehicles in actual terms.

In addition to the identification of the bike, the registration number is used to purchase the bike insurance policy, renewal of bike insurance plan, claim process of bike insurance, and checking the bike insurance details. For all these processes, you just have to enter the registration number of the website of the insurance provider. However, there are multiple ways to fetch the details of the bike insurance with the registration numbers.

How to Get the Details of Bike Insurance by Registration Number?

When you buy a bike insurance plan online, you just have to enter your registration number. After the plan is purchased, the details of your bike insurance policy get attached to your registration number, which can be accessed by the RTO, state or central government. This details of the insurance is also available on the insurance company website and the IRDAI website, which can be accessed through following methods:

  1. Visit the official website of the Regional Transport Office (RTO), where your bike is registered. Enter the registration number and details of the bike insurance will be displayed.
  2. You can visit the website of the State Transport Department and enter the registration number to check the bike insurance details.
  3. The website of the Ministry of Road Transport and Highways ( also tells you about the bike insurance details on just entering the registration number.
  4. The website of Insurance Information Bureau i.e., developed by the Insurance Regulatory and Development Authority of India (IRDAI), can be accessed to check the bike insurance online.


Always keep your registration number with you as it holds various crucial information about your bike and its insurance plan.The bike insurance details are linked with the registration number of your bike which you can easily fetch by entering the registration number through the above-mentioned methods.

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"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."

Add-ons For Your Bike Insurance Policy

  • Zero Depreciation
    Zero Depreciation

    Like other assets, the value of your bike also depreciates constantly with time and the liability of this expense by default rests with the policyholder. A zero depreciation add-on protects you against the depreciation expenses incurred by your bike. Thus, if you opt for a zero depreciation cover, depreciation expense of your bike is not deducted from your claim amount at the time of a claim settlement. This add-on is available with comprehensive bike insurance plans as well as standalone bike insurance plans. This is one of the most popular and recommended bike insurance add-on covers.

  • Invoice Protection
    Invoice Protection

    In case of total loss (more than 70% damage) or theft of your bike, the insurance company pays you the Insured Declared Value of your bike as compensation. However, this Insured Declared Value (IDV) is less than the invoice price which you pay at the time of purchasing your bike. The Invoice Protection add-on cover helps you claim the Invoice Price, i.e. total ex-showroom price of your bike plus taxes plus registration charges, of your bike in case of total loss or theft of your bike.

  • NCB Cover
    NCB Cover

    No Claim Bonus is the reward which is given to the policyholder for not making any claim during the policy period. This reward is offered by the insurer in the form of a discount on the own-damage premium of the bike insurance policy at the time of policy renewal. The NCB ranges from 20% to 50% of the own-damage premium depending on the number of claim-free years. However, if you make even a single claim during the policy period this NCB gets lost. But, with the NCB Cover, you can keep your NCB intact even after making a claim during the policy period.

  • Engine Protection Cover
    Engine Protection Cover

    The damages incurred by the engine of the bike are by default not covered under a bike insurance policy. However, if you opt for an Engine Protection Cover, the insurer will be liable to compensate you for damages incurred by the engine of your bike such as damage due to leakage of lubricants, water ingress, hydrostatic lock, damaged gearbox, broken crankshafts or pistons and cylinders. The repair cost of the internal engine parts is often high and can sum up to thousands of rupees or more. Thus, addition of this add-on to your comprehensive or standalone bike insurance policy can save you from these expenses.

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