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How to renew your two-wheeler Insurance after the expiry?

How to renew your two-wheeler Insurance after the expiry_-(A) (1)

Every owner of a two-wheelerWhat happens if the two-wheel insurance expires?

Two-wheeler insurance expires if the premium for the policy extension is not paid on time. After that, a 90-day break-in period goes into effect. During this time, the plan can be restored before it ends. There are no active policy benefits during this break-in period.

What happens when the policy lapses?

If the policy expires, you lose coverage against third-party financial liabilities and are no longer protected against damage or loss caused by an accident, theft, or accident involving the two-wheeler. In such cases, you must bear all costs. Also, driving without insurance is illegal, which can also penalize you if you are caught.

Another loss that you will approach as the policy expires is the no claims bonus (PNE) that you may have accumulated over the years with your two-wheeler insurance. This benefit is between 20% and 50% of the insurance premium and may expire if the plan is not extended within the initial 90-day period, as you cannot extend an expired policy after this period. . In such scenarios, you will need to purchase a new policy and go through the entire process of re-documenting and inspecting your bike, in addition to other documentation.

must have at least one-third party two-wheeler insurance policy to operate a two-wheeler or scooter in India. Driving without insurance is illegal in the country according to the Indian car tariff. Therefore, it is advisable to take out two-wheeler insurance through no fault of your own and extend it well in advance. If the two-wheeler insurance is not extended over time, the policy may expire. This leaves your bike unsecured, which can destroy your sense of security and peace of mind.

Today, two-wheeler insurance renewal can be easily done online without going to the branch of the insurer. However, if you don’t renew your policy in a timely manner, don’t worry as it can be reactivated at any time. To understand this process, let’s first try to understand an expired insurance policy.

 How to extend your bike insurance online when it expires

There are two ways to renew an expired two-wheeler insurance plan; H. Online and offline. To renew your policy online, do the following:

  1. Visit the official motorcycle insurance website.


  1. Enter the required details for the two bikes, including details of the existing policy, your bike’s registration number, and so on.


  1. Make the plan renewal payment using the available payment methods.


  1. Your two-wheeler insurance will be renewed and once the process is complete, you will receive the insurance documents by email.


However, if you want to extend your expired policy in offline mode, you will need to contact your insurance branch with all the necessary documents. With this method, executives can even request an inspection of their bikes before issuing a new policy and reviewing their documents.


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