How to Check Two-Wheeler Insurance Online in India

5 min read | Updated on May 27, 2025, 17:04 IST

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The heart and soul of most middle-class Indians - the (legendary) two-wheeler. Whether it's a quick run to the nearest grocery store or packing up your entire family for a quick getaway, having a two-wheeler in India is usually a necessity, courtesy of heavy traffic and the need for affordable mobility. But with mobility comes the responsibility of having your bike insured.

Two-wheeler insurance is not only a legal requirement under the Motor Vehicles Act, 1988, but also a means of financial protection against accidents, theft, and third-party claims.

The highlight? You don't need to rummage through physical documents any longer to look up your insurance details. In the digital India revolution, it is now speedy, secure, and entirely online to check your bike insurance status. There are both government and other reliable websites which you can use to check the insurance status of your two-wheeler.

Why It’s Important to Check Your Two-Wheeler Insurance Status

The majority of Indian motorcycle owners have the tendency to forget their insurance as soon as they complete their first purchase. And according to stats from the General Insurance Council of India, 60% of automobiles are uninsured, out of which the majority are two-wheelers. Regardless, it is important to keep your two-wheeler insurance up to date for the following reasons:

Legal Requirement

According to Indian law, all two-wheelers are required to have at least third-party insurance. Driving without it is a criminal offence.

Avoid Fines

The penalty for lacking valid insurance can be as high as ₹2,000 on the first occurrence and ₹4,000 in case of a repeat offence.

Money Protection

Insurance saves you from expensive repair work bills, hospital bills, and third-party compensation in the event of an accident.

Motor Bike Transactions

Selling or buying a bike requires a current ownership transfer policy.

Long Rides or Road Trips

Insurance is a must before interstate travel to avoid trouble at checkpoints.

In simple terms, knowing your policy status alleviates your concerns and prevents unnecessary financial or legal issues.

How to Check Two-Wheeler Insurance Status Online in India

There are many official and authentic ways to find the status of your two-wheeler insurance online:

Method	Where to Check	Steps	Best For	Limitations
Parivahan Sewa Portal	www.vahan.parivahan.gov.in	Enter registration → OTP → View details	Govt-verified, pan-India coverage	Needs OTP each time and the registration number should be linked with the vehicle
State RTO Website	Your state’s regional transport authority’s website	Enter reg. no./chassis no. → View data	Local vehicle and tax details	Insurance data might not be updated in a few cases
Insurer or Aggregator’s Website/App	Your insurance company’s website or platforms like Upstox	Log in → Enter reg./policy no./Mobile Number → Check status	Renewal, claims, add-ons	Difficult to check for a third party when the insurer is not known
mParivahan App	Android / iOS app store	Download → Enter reg. no. → Tap RC Info	Paperless proof, police-accepted	Mobile linkage necessary

What If Your Policy is Inactive or Expired?

Riding with an expired insurance policy can lead to legal consequences and financial losses. In case of an accident, you’ll be liable for all damages, including those to third parties.

What To Do Next:

Visit your insurer’s website or a comparison platform like Upstox
Enter your vehicle registration number
Select a suitable plan: comprehensive or third-party
If the policy has lapsed for over 90 days, an inspection may be required
Make an online payment to renew instantly
Once renewed, your policy will be updated on Parivahan typically within 48 to 72 hours.

Pro Tips to Keep Your Two-Wheeler Insurance Active

Set reminders before expiry (calendar mark or utilise your insurer's SMS alert service)
Choose long-term policies (3 or 5 years) to avoid yearly renewal troubles
Save your e-policy in DigiLocker for easy access during inspections
Conduct bi-annual status checks through the Parivahan portal or the mParivahan app

How to Purchase Bike Insurance Online

Here is what you need to do while purchasing bike insurance online:

Steps	Action	Pro Tip
Choose a Platform	Visit an insurer’s website or an aggregator like Upstox	Pick IRDAI-approved sources only
Enter Bike Details	Fill in your vehicle's registration number, model, make, and variant	If a new bike, use chassis/engine number
Compare Plans	Review premiums, customer reviews, and features	Look beyond premiums: focus on coverage
Select Add-Ons	Choose from zero dep, engine cover, roadside assist, etc.	Best suited for new or high-end bikes
Make Payment	Pay via UPI, Net Banking, or Card	Use only a verified payment gateway
Get the Policy	Download a digital copy from your email or app	NA

Conclusion

Checking the two-wheeler insurance status online in India is a smart, easy, and compulsory practice. Using utilities like Parivahan, RTO websites, insurer websites, and mParivahan, you can check your policy within minutes—no documents, no waiting.

Whether you’re heading out on a road trip or just want peace of mind, always ensure your policy is active. With online renewal options, reminders, and government-verified apps, staying compliant is now easier than ever. Don’t wait until it’s too late—check your insurance status today and ride worry-free.

FAQs

Can I check bike insurance without a policy number?

Yes, you can use your vehicle registration number on platforms like Parivahan and mParivahan.

Is a digital insurance copy accepted by the traffic police?

Absolutely. Digital proof via DigiLocker or mParivahan is valid across India.

How soon will the insurance info be updated on Parivahan after renewal?

Typically within 48–72 working hours.

Can I renew an expired two-wheeler insurance policy online?

Yes, but if it's expired for a long period, your bike may require inspection.

What is the penalty for not having bike insurance?

You may face a fine of ₹2,000 for the first offence and ₹4,000 for subsequent violations.

About Author

Upstox Desk

Team of expert writers dedicated to providing insightful and comprehensive coverage on stock markets, economic trends, commodities, business developments, and personal finance. With a passion for delivering valuable information, the team strives to keep readers informed about the latest trends and developments in the financial world.