How To Renew Two Wheeler Insurance Online?

A bike insurance policy is usually valid for a period of one or three years depending on the tenure of your policy. Once you approach the expiry date, it will no longer provide the benefits against various liabilities. Thus, to continue availing financial security you should renew your bike insurance policy as soon as it expires or before expiry.

Steps For Two-wheeler Insurance Online Renewal

Bike insurance online renewal can be very beneficial if you do it on periodic basis. This will ensure a layer of financial security in case of any unforeseen incidents involving your bike. Here are the steps to renew two wheeler insurance policy online:

Step 1: Review Important Aspects of the Bike Insurance Policy

The time of renewal of bike insurance is probably the best time to review various things related to your policy. Now is the time you can make changes in your coverage, type of policy, Add-ons, or even the insurance company.

You get the chance to also review your needs at the time of two-wheeler insurance online renewal. Your needs might have changed over the past policy period. Changes like additional family member – spouse or a newborn baby, new residence, etc. might have occurred in your life. You can tweak the coverage of your bike insurance policy to match these type of changes in the policy.

This is the time when you can switch to another insurer in case you are not satisfied with your current one. Look for an insurance company that offers beneficial post-sales services, affordable policies, and quick assistance.

Step 2 Select Bike Insurance Policy

To renew bike insurance, you will need to visit your preferred insurance company’s online website. Here you will get all the information you need about the company and their insurance products. Find the page related to renewal of bike insurance and proceed to check different insurance plans.


Bike insurance is of two types – comprehensive and third-party liability. You can buy additional coverages only with a comprehensive bike insurance policy. Consider buying a comprehensive bike insurance policy that may help you customize the policy with Add-ons.

Step 3 Personal Information

After finalizing on the type of bike insurance policy and related Add-ons, you can proceed to buying the policy. Details related to you and your bike will be required at the time of two-wheeler insurance online renewal.

Details related to your bike such as manufacturing year, engine cc, make and model, etc. will be asked. Apart from that, you will be asked if you have raised any claim against your previous bike insurance policy. This detail will help your insurer determine the percentage of No Claim Bonus (NCB) applicable at the time of renewal of bike insurance. If you have raised a claim, your NCB will drop to zero, else the discount will be as applicable.

Step 4 Payment

The final step towards buying a new policy is to make an online payment to your insurer. You can complete the payment via net banking, credit/debit cards, online wallets, etc. Paying money online is probably the most secure way of transferring money. The banking applications on any genuine site are secured with various layers of online protection. Your passwords or CVV is not saved anywhere. Always remember to keep the one-time password (OTP) safe while making a transaction.

Exclusions Of Bike Insurance

Exclusions are situations that are excluded from the coverage of an insurance policy. Your insurer will not be liable to compensate you in the following situations:

  • Mechanical or technical damages
  • Driving without a valid license
  • Driving under the influence of any intoxicating substance
  • Wear and tear
  • Damage due to illegal use of the vehicle
  • Damage occurred when driving out of a specific geographical area

The exact exclusions will be mentioned on your policy document. Do make it a point to go through the exclusions and fine print on the document at least once.


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