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Things to Check In A Two-Wheeler Insurance Document

Updated On Aug 16, 2021

To hold two-wheeler insurance is a compulsion but it brings protection too in case of unfortunate events. Read this article to find the essential points you should check and look through on your bike insurance policy document to avail it without any hassle.

In India, two-wheelers are used more in comparison to four-wheelers. Almost, every household acquires a two-wheeler for easy transportation on a daily basis. Be it a bike, scooter, or scooter, two-wheelers have proven themselves to be the most convenient and fast mode of commutation for people living in cities. A vast range of two-wheeled vehicles is available in the market. Two-wheelers are cost-efficient and save your time as well. 

Every vehicle needs to be driven by complying with the traffic laws that comprise carrying of bike insurance policy documents. In addition to law adherence, the bike insurance plan insures your vehicle and you against different types of adverse incidents. To avail of the policy in the most efficient manner, you must check some crucial components in your policy document.

Things to Check In A Two-Wheeler Insurance Document

Things to Check In A Bike Insurance Policy Document

A bike insurance policy document is considered an imperative document for a two-wheeler owner. You can be stopped and fined anytime by traffic police for driving your bike or scooter without the document. The two-wheeler insurance is designed to provide you with financial assistance against any unfortunate incident like an accident, fire, theft, etc. However, you should be aware of different elements of your bike insurance plan to avail it in the best possible manner. Here are some important components you should check:

1. Policy Number

The Two-wheeler insurance policy number should be checked soon after you get the policy document from your insurance company. It is the most important thing used during the claim settlement process or availing your policy in any way.

2. Personal Details

No matter how good an insurance policy you purchase, but if your personal details are misspelt or invisible, you will not be able to make any claim or your claim can get rejected. Hence, do check your personal details in your policy copy.

3. Premium Details

Do check the premium and IDV amount mentioned in your two-wheeler policy document. Insured Declared Value (IDV) is the maximum amount that one can get in case of total loss or theft. You should also confirm the premium cost after adding add-on covers and in general as well to avoid any confusion.

4. Policy Validity

Whenever you buy a two-wheeler policy, it comes with an expiry date before which you need to renew it. You should always keep a check on the date of expiry of your insurance plan renew it within the due date and save it from getting lapsed and getting involved in problems arising due to it like losing the NCB, etc.

5. Terms and Conditions

You should go through all the points of terms and conditions stated in your two-wheeler insurance policy. Besides going through all the points, you must verify some of them and learn about them completely and properly.


It is important to keep the aforementioned points listed in your bike insurance plan and save yourself from getting cheated by some fraud insurance companies and from getting your claim rejected. Sometimes, some insurance firms do not offer the services they promised while selling the plan. To cope with such insurers, you should purchase policies from reliable insurance firms only and understand all the points and clauses written in your policy wording. We hope the above-mentioned points will help you avail your plan to the fullest without any trouble.

Also Read:

Factors That Decide Bike Insurance Premium

Purchasing A Used Bike From A Different State? Keep These Things in Mind!

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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