Two Wheeler Insurance Renewal

What is a Bike Insurance Renewal?

Every two-wheeler insurance policy comes with a validity period such as 1 year, 3 year or 5 years after which it needs to be renewed. The renewal of a two-wheeler insurance policy is thus essential for a policyholder to continue to enjoy the insurance coverage offered by the policy.

You can renew your two-wheeler insurance policy with any insurance provider - be it your current/previous insurer or a new insurer.

Two Wheeler Insurance Renewal Online Process at InsuranceDekho

You can easily renew your two-wheeler online insurance policy at InsuranceDekho by following the below-mentioned steps:

Step 1: Visit and click on the bike tab.

Step 2: Enter your bike’s registration number and click ‘’Proceed’’. After that, select the fuel type and variant to proceed. In case you do not remember the registration number of your bike, click on ‘Don’t know your bike number?’ option. Then fill up the different options such as bike’s brand name, fuel type, model, variant, registration year, registration city and RTO.

Step 3: Enter the expiry date of your previous two-wheeler insurance policy and previous insurer’s name. Tell us if you have registered any claim in the last policy and click on ‘Continue’.

Step 4: Enter your details such as name, mobile number and the total number of days by which you want your bike to be insured. Click on ‘Submit and Get Quotes’.

Step 5: All the premium quotes from various insurers will appear in front of you. You can compare multiple quotes and choose one that suits your requirements. At this stage, you also have an option to opt for different add-ons, accessories as well as passenger cover.

Step 6: Click on ‘Buy Now’, confirm your details and proceed to make the payment. You can complete your payment using a credit/debit card or net banking facilities. The policy will be issued instantly, and the you will receive the policy document at your registered email address.

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Two-wheeler Insurance Renewal Online Process at Insurance Company’s Website

Step 1: Visit the official website of your insurance company. Go to the two-wheeler insurance renewal section available on the website.

Step 2: Enter your previous two-wheeler insurance policy details, previous policy number and your two-wheeler’s registration number/ engine number/ chassis number.

Step 3: Check the policy details and the policy renewal premium and proceed with the payment of the renewal fee. There are various modes of online payments such as credit card, debit card and Net banking.

Factors To Consider While Bike Insurance Renewal

  • Claim settlement ratio of insurers is one of the most important factors that determine the total claims settled by an insurer out of the total claims received in a financial year.
  • The IDV offered by the insurer.
  • The nature of the renewal process i.e. if it is instant, user-friendly and paperless.
  • Availability of after-sales and customer assistance services with the insurer.

Add-on Covers For Your Bike Insurance Policy

  • Zero Depreciation

    Like other assets, the value of your two wheeler 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

    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

    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

    The damages incurred by the engine of the two wheeler 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 2 wheeler insurance policy can save you from these expenses.

Find Right Bike Insurance Quotes by Bikes Body Type

  • Scooter
  • Sport
  • Cruiser
  • Commuter

Bike Companies User Reviews

What users are saying
  • Helpful customer support team

    When I contacted the InsuranceDekho customer care team, they helped me a lot in understanding and availing the...

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    Raheja Qbe
    By Naseem Khan
    On: 25th September, 2020
  • Find the best insurance cover

    The InsuranceDekho portal exposes you to different insurance company’s bike insurance plan offerings. After go...

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    By Yash Bhatnagar
    On: 25th September, 2020
  • Instant insurance issuance

    It took me a few minutes to get the policy document after making the payment for the Acko bike insurance plan ...

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    By Aman Kumar
    On: 25th September, 2020
  • Rapid process of renewal

    I have renewed my Universal Sompo bike insurance cover which I bought for my Royal Enfield Classic Bike twice ...

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    Universal Sompo
    By Umesh Jha
    On: 25th September, 2020
  • Numerous payment options

    The failure of the payment process had ruined my purchase experience twice before but while buying a Shriram b...

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    By Lalit Saha
    On: 25th September, 2020

Bike Insurance Renewal FAQs

  • Can I renew my two-wheeler insurance policy after the expiry date?

    Yes, it is possible to renew your two-wheeler insurance policy even after you miss the renewal deadline. However, it is not advisable because the policyholders may end up missing some benefits. The renewal option is available for the next 90 days after the policy expires however, in such a case an inspection of the vehicle becomes mandatory. After this 90 days window, the two-wheeler insurance cannot be renewed. In such cases, you will have to buy a fresh policy to keep your two-wheeler insured.

  • Can I get reminders for the renewal of my two-wheeler insurance policy before it expires?

    Yes, most of the insurers send reminders to policyholders via text messages, email etc. when their policy is about to expire.

  • Can I customize my add-on covers while renewing my two-wheeler insurance policy?

    Most insurance companies allow modification of add-on covers at the time of renewal of a two-wheeler insurance policy.

  • How long does it take to renew a two-wheeler insurance policy online?

    The duration for renewing your two-wheeler insurance policy varies from one insurer to another. Generally, two-wheeler insurance gets renewed instantly when the previous and current insurer is the same. However, if you intend to switch to another insurer, the renewal might take some time.

  • Can I change the IDV of my two-wheeler insurance policy?

    You can change the IDV of your two-wheeler at the time of policy renewal. However, there is a maximum cap for the IDV value which varies from insurer to insurer.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.