Renew Your Bike Insurance in Just a Few Clicks
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Up to 80% online discounts
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11,000+ network garages
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10+ add-on covers
Two-Wheeler Insurance Renewal (Bike Insurance Renewal Online)
Two-wheeler insurance renewal is a process of extending coverage against accidents, theft and other damages to your bike or scooter for another year, ensuring that you are always protected on the road.
Not renewing your bike insurance on time can lead to your policy expiring, meaning you lose coverage and any accumulated discount on your premium, like your No Claim Bonus discount. For instance, if your bike gets stolen or damaged when your policy is lapsed, you will have to bear all the repair/replacement costs out of your pocket. It’s also illegal to ride your bike without bike insurance in India, so if you’re riding with expired bike insurance, you will be fined ₹2,000-₹4,000 or face up to 3 months imprisonment.
That’s why timely bike insurance renewal is essential, and we at IndusInd General Insurance (formerly Reliance General Insurance) offer online bike insurance policy renewals. With us, you can renew your expired policy online in minutes - no complex paperwork, no inspection. Simply enter your bike registration number and renew your policy with a few taps.
What is Two-Wheeler Insurance Renewal?
Two-wheeler insurance renewal is the process of extending your existing bike insurance policy for another year. When your current policy is about to expire, you renew it to keep your coverage active and continue protecting your bike against accidents, theft and damage. It's like recharging your insurance so your bike stays protected on the road.
Renewing your two-wheeler insurance helps keep your ride protected and your coverage active without any hassle. With IndusInd General Insurance, the process is quick, simple and ensures you’re ready for every journey.
Up to 80% Online Discount*
When you buy or renew digitally
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Why Timely Bike Insurance Renewal Matters
Avoid legal trouble
Riding without valid bike insurance is illegal in India. You can face fines up to ₹2,000 or even jail time if caught riding with expired insurance.
Keep your discounts
You lose your No Claim Bonus (NCB) if you don't renew within 90 days of expiry. This means you'll pay higher premiums when you finally renew.
Stay financially protected
Any theft or accident during a lapsed period comes out of your own pocket. Without active insurance, you'll have to pay for all repair costs and damages yourself.
Benefits of Renewing Bike Insurance Before Expiry
Avoid Heavy Legal Penalties
Effective from March 1, 2025, driving without valid insurance now attracts a fine up to ₹2,000 (up to ₹4,000 for repeated violations) and up to 3 months in jail. Timely renewal keeps you legally compliant and saves money on penalties.
Cover Third Party Damage
Timely renewals mean you maintain coverage for third-party liabilities like accidental damage you might cause to another person, vehicle or their property during an accident involving your bike. This coverage is mandatory under the Motor Vehicle Act, 1988.
Continuous Coverage
Timely bike insurance renewal ensures continuous coverage without any gaps. Your bike stays protected against accidents, theft, natural disasters and third-party damages. So, renew on time to maintain coverage against these events.
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Two-wheeler insurance renewal on time allows you to retain the NCB rewards you have earned for each claim-free year. This bonus allows you to enjoy lower premiums on your next renewal. If you delay renewal beyond 90 days, you lose this benefit.
Adjust Your Coverage
Timely renewal allows you to update or upgrade your policy coverage, add new riders or adjust the sum insured. You can also switch to a comprehensive policy to meet your growing coverage requirements.
Avoid Inspection Charges
Late renewal beyond the grace period leads to mandatory bike inspection and potential premium increases. This is not only time-consuming but can also attract additional charges.
Save time, save stress, renew your bike insurance with us
One quick call and your bike’s insured again!
How to Check Your Bike Insurance Expiry Date Online?
Using IndusInd General Insurance
Visit the IndusInd General Insurance website and click the login button.
Navigate to your policy document to check your bike insurance expiry date.
Alternatively, you can download your policy using self-service to see the expiry date.
You can also use the IndusInd Insurance app and tap Insta Renewal to check policy dates.
Using Parivahan Sewa Portal
Go to Parivahan Sewa website and find the informational services section.
Click on Know your vehicle details option from the menu.
Enter your mobile number and complete the verification code process.
Type your bike registration number in the search box provided.
Click the search vehicle button to see your insurance expiry details.
Also, you can find it on the mParivahan app on your phone.
How to Renew Bike Insurance Online in 3–5 Easy Steps
Enter Details
Enter your policy number or mobile number with registration details.
Review & Modify
Review your current policy coverage and make changes if needed.
Make Payment
Pay your renewal premium using your preferred online payment method.
Instant Issuance
Get your updated policy on email or renew instantly via IndusInd Insurance app.
Bike insurance starting at just ₹19 per day*!
Instant bike insurance renewals
Renew quickly and effortlessly, with flexible add-ons to ensure your coverage stays strong for every ride.
IndusInd Two-wheeler Insurance: Key Inclusions and Exclusions
What is Covered?
Accidents and Collisions: We cover repairs if your bike gets damaged in road accidents or crashes with other vehicles.
Third Party Damages: We handle medical bills and property repair costs if you accidentally cause damage to another person or their property.
Natural /Man-made Disasters: Damage from natural disasters such as floods, earthquakes, cyclones, landslides and man-made disasters, like riots, strikes, vandalism, or acts of terrorism.
Animal / Rodent Damage: Any animal-induced damage, like rat bites or wild animal attacks, that causes internal or external damage to your bike or scooter.
Theft of the Insured Bike: Offers compensation if your bike or scooter, or its parts, are stolen. The payout is based on the bike’s IDV (present value).
What is Not Covered?
Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.
Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.
Law Violations: You're fully covered for accident-related claims except for ones arising out of law violations or illegal activity involving your bike.
Outside Coverage Zone: You get pan-India coverage, but if you want coverage outside Indian borders, you'll need the geo-extension add-on.
Key Takeaways
Renew your IndusInd Two-wheeler Insurance (formerly Reliance Two-wheeler Insurance) before it expires to keep your vehicle protected without any coverage gaps. With an instant online renewal, you can stay compliant with the laws and ensure financial protection against accidents, theft and natural calamities.
Renewing your bike insurance policy on time allows you to enjoy up to 50% NCB discounts, ensuring low renewal premiums. No hassle of vehicle inspection or endless documentation, our seamless bike insurance renewal process lets you renew your policy in a few minutes, anytime and anywhere.
At IndusInd General Insurance, you can also consider our long-term insurance policies that offer even better value by locking your premium rates for five years and eliminating the stress of yearly renewals.
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