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New India Assurance Motor Insurance

New India Assurance Motor Insurance Plans (Which are the best?)

New India Assurance Motor Insurance
New India Assurance Motor Insurance

New India Assurance Motor Insurance Plans (Which are the Best?)

New India Assurance Motor Insurance provides a host of motor insurance policies that provide different levels of coverage and different use cases. New India Assurance motor insurance provides coverage for private vehicles, commercial vehicles, fleets of vehicles, two-wheelers, and more.

They have also recently come up with a brand new plan called New India Assurance PAYD policy.

You can learn about all of the policies below

 

  • Private Car Insurance
  • Commercial Vehicle Insurance
  • PAYD Motor Insurance
  • Two Wheeler Insurance
  • Fleet Insurance
  • Standalone CPA cover

Let us now talk about these motor insurance policies in detail.

1.) Private Car Insurance

New India Assurance offers private car insurance to anyone looking to buy a motor insurance policy in India. As you may be aware, it is compulsory for a driver to have at least a valid third-party motor insurance policy before he ventures on the road.

Types of Private Car Insurance Offered

  • The company offers two types of private car insurance, they are liability only policy and package policy. A liability only policy will only extend coverage towards damage caused to a third-party, and owner-driver.
  • A package policy will cover third-party liability, owner-damage, as well as damage to the insured vehicle. It is a comprehensive motor insurance policy.

General Inclusions and Exclusions

A Liability only Policy

  • Inclusions: Personal accident cover for owner-driver, damages caused to third-party
  • Exclusions: Damage to own car, damage to passengers

Package Policy

  • Inclusions: Personal accident cover for owner-driver, damages caused to third-party, damage to car, fire, theft, malicious act, terrorist acts, lightning, landslide, earthquake, riots, and more.
  • Exclusions: Consequential loss, regular wear and tear, civil war, driving without a license, driving under the influence of alcohol, and more.

2.) Commercial Vehicle Insurance

A commercial vehicle insurance plan is a motor insurance plan for commercial vehicles. New India Assurance provides two commercial motor insurance polices.

Types of Commercial Car Insurance

  • New India Assurance Motor Insurance offers two types of commercial car insurance, they are liability only policy and package policy. Similar to their private motor insurance policy, a liability only commercial policy will only extend coverage towards damage caused to a third-party.
  • A package commercial policy will cover will cover third-party liability, owner-damage, as well as damage to the insured vehicle. It is a comprehensive motor insurance policy.

General inclusions and exclusions include

Liability only Commercial Policy

  • Inclusions: Damages caused to third-party
  • Exclusions: Damage to own car, damage to passengers

Package Commercial Policy

  • Inclusions: Damages caused to third-party, owner-damage, damage caused to insured vehicle, fire, theft, vandalism, terror acts, lightning, landslide, earthquake, riots, and more.
  • Exclusions: Regular wear and tear, driving without a license, consequential loss, driving under the influence of alcohol, civil war and more.

3.) PAYD Motor Insurance

This is a newly released policy by United India Assurance, it is called Pay as Your Drive (PAYD.) Under this policy, policyholders are eligible to receive discounts based on the amount of kilometres the insured vehicle runs.

The policyholder is eligible to receive discounts on renewal premiums if they drive their vehicle less than the specified kilometres mentioned under the policy bond. The PYAD plan comes in two variants, basic cover and gold cover.

Types of PAYD Car Insurance Offered

The PAYD car insurance is available in three types, they are comprehensive motor insurance cover, third-party motor insurance cover, and bundled cover.

You can read about the inclusions and exclusions of the PAYD plan.

4.) Two Wheeler Insurance

The New India Assurance two wheeler insurance plan includes insurance policies for both bikes as well as scooters in India. 

Types of Two Wheeler Insurance Offered: Policy types offered are liability only package and the package policy (comprehensive plan.)

General Inclusions and Exclusions

Liability only Package

  • Inclusions: Damage to third-party, owner-damage
  • Exclusions: Damage to passengers, damage to self-vehicle

Package Policy

  • Inclusions: Damage to third-party, owner-damage, damage to insured vehicle, fire, floods, acts of terror, earthquake, theft, and more.
  • Exclusions: Consequential loss, regular wear and tear, war (including civil war), damages caused due to being under the influence of alcohol.

5.) Fleet Insurance

People who are in the business of transport and hospitality can avail of New India Assurance’s fleet insurance plan to insure their entire fleet of vehicles, ensuring stability of their transport business.

6.) Standalone CPA cover

New India Assurance also provides a separate stand alone compulsory accident cover (CPA.) Under Indian motor laws, it is mandatory for every driver to take CPA cover if they already do not have an accident insurance policy of at least 15,00,000/-.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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What should you do if an uninsured driver hits your vehicle?

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What should you do if an uninsured driver hits your vehicle?

What happens if I’m in an accident and the other person is driving without insurance, and the accident was his fault? Who pays for the damages to my car, myself, and my co-passengers?

Ideally, if there is an accident and one party is clearly at fault, it is the obligation of that party to pay for the damages to the victim. The charges are generally paid by the insurance company of the perpetrator. But what happens if the perpetrator is driving without a valid motor insurance policy? Let us find out.

 

  • Coverage of your motor insurance policy
  • What should you do if an uninsured driver hits your vehicle?
  • Supreme Court Judgements on Uninsured Drivers

Coverage of your motor insurance policy

The first thing you need to do is check the terms and conditions of your motor insurance policy. Check whether damages caused by an uninsured driver is covered by your motor insurance policy. If that is the case, then your motor insurance company should pay for the damages caused.

That is assuming you have a comprehensive motor insurance policy, and the policy bond states that the damages caused by uninsured drivers will be covered.

What should you do if an uninsured driver hits your vehicle?

  • Take the vehicle number: It is extremely important that you remain calm during the event and attempt to have a clear head. Once you are calm, take the vehicle number of the perpetrator, you will need it going forward.
  • Collect evidence: Start collecting video and photo evidence; be very thorough and document everything. This evidence may be presented in the court of law. Also, talk to any witnesses that may have seen the accident and exchange contact details with them; it is possible that they may need to be presented as court witnesses.
  • Call your insurance company: Once you have collected the relevant data, you must then call your insurance agent or insurance company. Explain to them what has happened. You will also need to file a claim later.
  • File an FIR: Now, find out which police station is nearest and lodge an FIR. Take a copy of the FIR and keep it for your records. You will also have to submit the same information to your insurance company. Once the FIR is filed, the police will begin their investigation.
  • Legal action: You will now need to begin preparations for legal recourse. Talk to an advocate and take their expert advice on the same.

Now, if your insurance company pays for the damages caused, well and good. If they do not pay for the damages, then examine the terms and conditions of your insurance policy thoroughly and see if they are obligated to extend you coverage in such a case. If not, then the liability will shift to the uninsured perpetrator.

What happens if my insurance company does not cover me for uninsured accidents? This is where we must dive deeper into the judgements provided by the Supreme Court of India.

Supreme Court Judgements on Uninsured Drivers

You can check out a whole list of judgements passed by the Supreme Court on the topic of accidents caused by uninsured drivers. We will also state what the SC has said on the matter in a judgement passed in 2018.

The Supreme Court has categorically stated that in the event of an accident caused by an uninsured driver, the liability will be passed onto the uninsured driver. If the uninsured driver is unable to pay for the court ordered damages, his vehicle will be impounded and later auctioned off. The proceeds earned through the auction of the vehicle will be disbursed to the victim.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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What is Zero Depreciation in Bike Insurance? (Meaning Explained)

chopper
chopper

What is Zero Depreciation in Bike Insurance? (Meaning Explained)

Are you planning to scoot around the city and have a good time? Be sure to get your bike insured first. That being said, all insurance policies and riders are not the same. You will do yourself a disservice if you do not know about the concept and meaning of Zero Depreciation in bike insurance. This article will explain to you the following:

  • Meaning of Zero Depreciation in Bike Insurance
  • How does Zero Depreciation work?
  • Example of Zero Depreciation in Bike Insurance
  • Companies offering Zero Depreciation riders

Meaning of Zero Depreciation in Bike Insurance

Depreciation affects everything, your car, two-wheeler, other non appreciating assets and more. It is the loss of value of an asset as the years move forward. Your two-wheeler is also a victim of this. Imagine this, you buy a brand new motor bike, and it works perfectly for the first couple of years. Then as the years move forward, it starts giving minor issues, and then major ones. Now, you want to sell your bike. Prospective buyers will keep in mind the wear and tear of your bike and quote you an offer price. This price will be much lower compared to the price you paid to buy the brand new bike, this is essentially a real world example of depreciation in bike insurance.

Even though it is not generally possible to protect your bike against the loss of value caused by depreciation, you can at least protect yourself against the evil head of depreciation in your bike insurance policy. How so? Well, you buy a Zero Depreciation rider along with your bike insurance policy.

How does Zero Depreciation work?

If you buy a Zero Depreciation rider or add-on along with your bike insurance policy, it will protect you against depreciation whenever you decide to apply for a motor insurance claim. Like we previously said, every part of your bike depreciates, and the insurance company knows about this. That is why they incorporate the concept of depreciation whenever they sell a motor insurance policy.

For instance, if your motor insurance company provides 100% coverage if there is any damage to the headlight of the bike within the first year, they may reduce the coverage to 80% in the second year, and 50% in the 3rd year. So, if a policyholder damages his bike’s headlight in the 3rd year and files a claim, the insurance company will only pay him 50% of the claim amount, the balance will need to be paid by the owner himself.

You can extrapolate this example to other parts of your bike. The concept remains the same. So how does a Zero Depreciation rider benefit a policyholder? Well, It acts as a shield against depreciation so the insurance company is obligated to not factor in depreciation while disbursing the claim amount.

Example of Zero Depreciation in Bike Insurance

Let us understand this concept with two simple to understand examples.

Example 1: Mr. Shyam bought a new two-wheeler and consequently bought comprehensive motor insurance for the same. After a couple of years, Mr. Shyam met with a minor accident damaging his bike’s headlight. Upon making the claim, the motor insurance company only disbursed 70% of Mr. Shyam’s claim application amount, citing a 30% depreciation component. Thus, Mr. Shyam had to pay the balance 30% for repairs out of pocket.

Example 2: Mr. Dinesh bought a new bike, and like Mr. Shyam he too bought comprehensive motor insurance, the only difference was that he bought a Zero Depreciation add-on along with the policy by paying a little extra. After 5 years, Mr. Dinesh also met with a minor accident damaging his headlight. Since he bought a Zero Depreciation rider/add-on, the insurance company disbursed him the entire claim amount.

Companies offering Zero Depreciation riders

Now that you have understood the benefits and features of Zero Depreciation. Let us have a look at the top bike insurance companies that offer Zero Depreciation riders:

  • Bajaj Allianz
  • HDFC ERGO
  • Digit Insurance
  • Future Generali
  • Kotak Mahindra Insurance
  • Acko Insurance
  • SBI General Insurance
  • Royal Sundaram
  • Tata AIG
  • IFFCO TOKIO

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Can you buy damaged cars directly from insurance companies?

car

Can you buy damaged cars directly from insurance companies?

It is likely that some bargain hunters may want to scoop up a slightly imperfect car for a reasonable discount. You may think that insurance companies may have a used car division where they sell-off damaged used cars, do you? Well, not exactly. There are 2 potential choices for a prospect:

  • Buying damaged cars from scrapyards or auction houses
  • Buying damaged cars from used car dealerships

Buying damaged cars from used car dealerships

Insurance companies do not deal with selling damaged cars directly, but they have tie-ups with used car companies, and sell their damaged vehicles to them (this is quite rare). The used car dealership may then repair the vehicle, make it drive worthy and then put it up for sale on the market. This is however extremely rare, as an insurance company will likely only sell-off totaled cars, and dealerships will not want to put their hand in repairing a totaled vehicle. Due to this dynamic, insurance companies will more than likely only sell their vehicles to either auction houses or scrapyards.

Buying damaged cars from scrapyards or auction houses

As mentioned earlier, used car dealerships will most likely not buy a car from an insurance company as insurance companies mostly sell-off totaled cars, and dealerships are generally not interested in investing in a totaled car. The only choice that remains now is that the insurance company then sells their damaged cars to a junkyard or an auction house.

A prospect may check out a junkyard or an auction house to scoop up a deal but rest assured most vehicles there are not drive worthy. Perhaps a motor enthusiast can scan through such an environment to experiment with such a car, but nothing more.
These cars are usually bought up for their spare parts, as some of the spare parts are operational and are bought with the intention to resell. Used spare part stores usually partake in such deals. Regular buyers generally will not engage in the buying of such a vehicle for a variety of different reasons.

Notable auction houses in India

Mentioned within are a list of the notable auction houses in India:

Notable scrapyards in India

Mentioned within are a list of the notable scrapyards in India:

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Is personal accident (PA) cover mandatory in motor insurance?

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Is personal accident (PA) cover mandatory in motor insurance?

In short, yes it is mandatory. But like most things the answer is slightly more nuanced. Read through the entire article to get a detailed understanding about PA cover, and whether it is compulsory to get one under law if you are driving or riding. This article will talk in detail on the following:

  • Meaning of personal accident cover
  • Example of PA cover
  • Is it compulsory?
  • Benefits of having a PA cover

Meaning of personal accident cover

A personal accident cover is a type of insurance policy that provides coverage to the insured in the event of an accident. This coverage helps the insured to cover medical costs that are incurred after an accident has ensued.

Lastly, a PA cover also provides a nomination feature that will disburse a claim amount to the nominee in the event of the demise of the policyholder. PA covers are generally bought as add-on insurance riders along with motor insurance policies.

Is it compulsory?

Yes, buying a PA cover is mandatory under the Indian Motor Tariff Act, 2002. That being said, you need not opt for a PA cover if you already have a health insurance policy that provides accidental coverage (Rs.15 lacs or more). In this case, buying an additional PA cover along with your motor insurance policy is not compulsory.

Examples of PA cover

Example 1: Let us say, Mr. Satish has bought a brand new Honda City car and is currently in the process of buying a motor insurance policy for his vehicle. He also doesn’t have any health insurance policy under this name. In such a case, it is mandatory for Mr. Satish to ensure that he is buying a PA cover along with a third-party or comprehensive motor insurance policy.

Example 2: Next, let us say that Mr. Manish has bought a new Maruti car and is now in the process of buying motor insurance. He is also a savvy person and already has a health insurance plan with accidental insurance bought before hand. In such a case, it is not mandatory for Mr. Manish to by a PA cover along with buying his motor insurance policy.

Benefits of having a PA cover

Let us now talk about some of the most important benefits of having a personal accident cover:

  • A PA cover will provide coverage towards medical expenses arising out of an accident.
  • A PA cover will provide a coverage to the nominee in the event of the policyholder’s death.
  • A PA cover provides compensation if the policyholder is maimed (disabled) after an accident.

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Will my car insurance cover door dings and scratches?

car

Will my car insurance cover door dings and scratches? (Examples)

Getting dings and scratches are part and parcel of being a car owner, especially if you reside in a metro city that has heavy traffic. In such a scenario, you may be wondering if your shiny new car is covered against door dings and minor scratches? Can you ask your insurance company to compensate you against any damages that might occur via scratches and dings? Well, let’s find out!

Yes, your car insurance company will cover door dings and scratches as it comes under collision coverage. That being said, being covered and applying for a claim are two different things. There could be scenarios where it would not even be worth your time and effort to apply for a claim for scratches and dings. Let us go through such scenarios below:

First Scenario (Semi-Extensive damage)

Let us assume that Mr. Natraj has bought a new Honda Brio car and has insured the same. A couple of months after the purchase, he met with a minor accident where the door got extensively dinged and scratched. The cost for repairing the damage was quoted at Rs.10,000.

Now, since this kind of damage comes under collision coverage, Mr. Natraj is eligible to apply for a claim. But, he must first pay a deductible for Rs.2000 to the insurance company (all car insurance policies have a deductible clause.)
In such a scenario, it may be worth to apply for a claim as Mr. Natraj would end up saving Rs.8000 in repairing costs.

Second Scenario (Non-extensive damage)

In this scenario, let us assume that Mr. Hari has bought a new Maruti car and has bought insurance for the same. A week later, a fellow driver dinged his car’s door while parking. Here, the estimated repairing cost came at Rs.1500. Mr. Hari’s car insurance policy has a deductible amount of Rs.2000. That means that if Mr. Hari claims for damages, he would actually be in a loss of Rs.500. Mr. Hari would be better off directly paying the Rs.1500 directly out of his pocket.

Important points to keep in mind

There are a few other important points that a policyholder needs to keep in mind before making a claim for dings and scratches. They are:

No Claim Bonus: If you make a claim, it will eliminate the No Claim Bonus discount. In such a scenario, where the claim amount is very low it is worth your while to not make a claim and keep the No Claim Bonus intact.

Increased Premium: Insurance companies will generally increase your premium renewal cost if you have a habit of making claims. Keep this is mind before making a claim.

Deductible Component: As talked about before, always be cognizant of the deductible amount in your car insurance policy before making a claim. The cure should not be worse than the disease!

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Can I claim car insurance for dents and scratches? (Top 3 things to learn)

Can I claim car insurance for minor dents & scratches?

Here's your answer:

Yes, you can claim car insurance for minor dents and scratches provided you have a comprehensive motor insurance policy. It is however not financially feasible to make a claim if the damages caused are minor, due to the NCB, deductible, and the premium-hike component.

a moving car

Can I claim car insurance for dents and scratches? (Top 3 things to remember)

Indian roads and Indian traffic is notorious for being difficult on cars. The sub-standard quality of roads may affect the suspension system of the car, and the bumper to bumper traffic may lead to scratches and dents on your vehicle.

This is the reason why even the best maintained Indian cars have a slight amount of scratches and dents at any given time.

Naturally, the question then arises “Can you claim car insurance for minor scratches & dents?” The answer is “Yes.” If you have a comprehensive car insurance policy, you can make a claim to the insurance company towards minor dents or scratches.

Let us discuss this briefly below.

Should I make a claim for minor scratches & dents? (Top 3 things to remember)

Having a comprehensive motor insurance policy gives you the ability to make a claim even on minor issues, but the policyholder should be cognizant on some of the pitfalls of doing so. Here are some of the reasons why you should not make a claim for minor issues:

Increases premium

If you continuously make claims for minor issues, your insurance company will likely increase the premium rate during policy renewal. This may not make it worth your while to make minor claims.

Erodes No-Claim Bonus (NCB)

Insurance companies provide an incentive to policyholder to not make claims by providing policyholders a No Claim Bonus (NCB). For instance, if an insurance company provides an NCB of 20% for not making a claim in the calendar year, the policyholder will get a discount of 20% on his renewal premium payment. Making a claim for minor issues will erode this NCB for the policyholder.

Deductibles

A deductible is the amount the policyholder has agreed to pay out of pocket in the event of a claim. For instance, if a motor insurance policy has a deductible component of 3000, that means that the policyholder will need to at least make a payment of 3000 up front for his damages. The rest of the payment will be borne by the insurance company.

There are instance where it would not be worth for the policyholder to pay a deductible. For instance, the damages can be worth 3000 and the deductible could also be 3000. In this case, the policyholder will essentially be making the entire payment himself despite making a claim with the motor insurance company.

A motor insurance claim should be made after taking into account the following aspects; the NCB, deductible, and the expected hike in premium. It should be worth it for the policyholder to make a claim. He should ideally not make a claim if the above factors are not favorable in the long run

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Frequently asked questions

  • Will I get own damage coverage if I buy Third-Party insurance?

    No. You will not get own damage coverage if your insurance policy is a Third-Party insurance policy. No damages to your own vehicle will be serviced by the insurance company in a Third-Party policy.

  • Should I make a claim for minor dents and scratches?

    It is ideal if you do not make a claim if the damage to your vehicle is minor. Making a claim in such cases most likely would not make financial sense.

  • Can I make a minor claim if I have a comprehensive motor insurance policy?

    Yes, you are eligible to make a claim for minor scratches, dents, and damages if you have a comprehensive policy.

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    Motor Insurance

    Is PA cover mandatory for bike insurance? (2 Simple Examples)

    So, you want to know if PA insurance is mandatory?

    Here's your answer:

    Buying PA coverage is mandatory under The Motor Vehicle Act, 1988 for anyone who does not have accidental insurance with a coverage of at least 15 Lacs.

    scooter

    Is PA cover mandatory for bike insurance? (2 Simple Examples)

    PA cover stands for Personal Accident cover. A PA cover provides insurance coverage against accidental hospitalization. For instance, if a bike rider has met with an accident and he has a PA cover of 10 Lacs, he will be eligible to receive health insurance coverage up to 10 Lacs.

    Now, the question arises “Is PA cover mandatory?” Yes, taking a PA cover is mandatory for anyone taking a bike insurance policy, be it a Third-Party bike insurance policy or a comprehensive bike insurance policy, PA cover is mandatory.

    That being said, if a person already has a separate accident insurance policy (with coverage of 15 Lacs or beyond), he does not need to opt for an additional PA cover while buying bike insurance. Let us understand this with the help of 2 simple examples.

    Example 1

    Let us assume that Mr. Shyam wants to take a bike insurance policy. At the same time, he does not have any accidental insurance under this name. In this case, Mr. Shyam will need to compulsorily buy a PA cover along with purchasing his bike insurance as per The Motor Vehicle Act, 1988.

    Example 2

    Now, let us assume that Mr. Tony wants to purchase a bike insurance policy. Mr. Tony has a separate health insurance policy under his name that also provides coverage against accidents.

    In this case, Mr. Tony does not need to opt for additional PA coverage while buying bike insurance. He can simply buy a plain vanilla bike insurance policy without the PA coverage.

    Further, it should be noted that the sum insured under an accidental policy should be at least 15 Lacs for the person to wave off additional PA coverage.

    Finally, it would be prudent choice to opt for additional PA coverage even though a person has an additional accidental insurance coverage as the increase in premium is very marginal, and in return, the policyholder is provided additional accidental coverage.

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    Learn how to check your vehicle’s PUC certificate online

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    Learn how to check your vehicle’s PUC certificate online (In Simple Steps)

    One should always have his vehicle’s Pollution Under Control (PUC) certificate handy. The PUC certificate is a mandatory document that can be demanded by the traffic police at any time, and not having it on hand can lead to fines and penalties.

    A PUC certificate is directly disbursed by the place where the PUC test of your vehicle is undertaken. Take the PUC certificate and keep it within the vehicle at all times.

    There are also times where you may want to check the validity of your PUC certificate. This article will shed some light on how you can check your vehicle’s PUC certification online.

    Let us begin!

    Check your PUC certificate through VAHAN

    You can simply check the validity of your PUC through The Ministry of Road Transport and Highways’ VAHAN website in 3 simple steps.

    Step 1: Visit the VAHAN website

    VAHAN website
    The VAHAN website

    Once you are on the VAHAN website, navigate to the “Online Services” section and click on “PUCC” from the dropdown.

    Step 2: Click on “PUC Certificate” from the top bar

    PUC certificate section
    PUC certificate section

    Step 3: Enter your details

    PUC certificate page
    PUC certificate page

    Once on the PUC Certificate page, you will have to enter the following details:

    • Registration number
    • Chassis number
    • Security captcha

    Press on the “PUC Details” button once all the above details are correctly entered.

    Step 4: Check your PUC certificate online

    Example of PUC certificate
    Example of PUC certificate

    Here you can check the status and validity of your PUC certificate. Details mentioned within will be:

    • Registration number
    • Category
    • Stroke
    • Fuel type
    • Make of vehicle
    • PUC figures

    We hope this article provided you with conclusive information on how you can check the status of your car/bike’s PUC status online using the Parivahan tool offered by the Ministry of Road and Highways of India. Always be safe, and always be prepared before each ride!

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    Frequently asked questions

  • What is the full form of PUC?

    PUC stands for Pollution Under Control.

  • Is having a PUC certificate mandatory?

    Yes, having a valid PUC certificate is mandatory under The Motor Vehicles Act.

  • How often does PUC need to be done?

    The PUC test of a vehicle needs to be done once every 6 months.

  • What is the validity of a PUC certificate?

    6 months

  • Why is a PUC test done?

    A PUC test is done with the intention to ensure that a vehicle's pollution emissions are in check with the pollution norms of the state.

  • Is a PUC certificate valid Pan-India?

    Yes, a valid PUC certificate is valid across India.

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    Motor Insurance

    Top 2 ways to check your bike insurance expiry date online

    motorbike

    Top 2 ways to check your bike insurance expiry date online

    You like to zoom across the streets and feel the wind in your hair? That’s awesome! But always remember to wear a helmet and ride your bike safely. It’s important to follow the rules of the road while you’re riding.
    It is also equally important to have always ride with a valid bike insurance policy with you. Let’s check out the top 2 ways you can check your bike insurance expiry date online, and be on top when it comes to renewing your bike insurance policy.

    Check your expiry date via VAHAN

    The VAHAN NR e-Services website is provided by The Ministry of Road Transport & Highways. VAHAN provides a host of beneficial services like transfer of ownership, change of address, issuance of vehicle fitness certificate, penalty payment, issuance of national permits, and more.

    VAHAN also furnishes important vehicle centric information like:

    • Bike insurance expiry date
    • Bike registration date
    • Bike insurance status
    • Road fines levied on vehicle

    Simply click on “Know your details” on top bar of the VAHAN website, and enter your registered mobile number in the next page, you will be redirected to a page where all vehicle centric details, including your bike’s insurance expiry date will be furnished.

    VAHAN homepage
    VAHAN homepage
    VAHAN login page
    VAHAN login page

    There is another way you can check your bike insurance expiry date. It is through the IIB website. Let us see how you can do that below.

    Check your expiry date via IIB

    Step 1: Visit the IIB website

    IIB homepage
    IIB homepage

    Step 2: Click on V SEVA

    Click on V seva
    Click on V seva

    Step 3: Fill-in your details

    V SEVA form
    V SEVA form

    You will need to fill in your details like:

    • Name
    • Email ID
    • Mobile number
    • Address
    • Registration No

    Step 4: Check your bike details

    Post filling the form, you will be redirected to a portal where all your bike details (including insurance expiry date) will be furnished.

    Apart from these two methods, certain insurance companies also provide an online feature on their respective websites where you can login and your policy details will be visible via the portal.

    You can also check your insurance expiry date via your insurers website if they provide this feature.

    All said and done, always be certain about the expiry date of your policy, and never ride with an expired insurance policy.

    Crore
    Vehicles registered with Parivahan (As of 2022)
    Crore
    Licenses issued by Parivahan
    Lacs
    Licenses issued in 2022 by Parivahan

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    Frequently asked questions

  • What is the full form of IIB?

    IIB stands for Insurance Information Beureu.

  • What is the official website of IIB?

    https://iib.gov.in

  • What are some of the main objectives of IIB?

    The top 3 main objectives of IIB include:

    1. Keeping a repository of insurance data
    2. Report publishing
    3. Research and development
  • Who is the CEO of IIB?

    Shri Kunnel Prem (as of 2022)

  • What is the official website of Parivahan?

    https://parivahan.gov.in/parivahan//en

  • What are some of the services offered by Parivahan?

    Top 10 services offered by Parivahan website are:

    1. Maintenance of vehicle database
    2. Vehicle registration
    3. Fancy number allocation
    4. Issuance of permits
    5. Homologation
    6. VLTD making
    7. e-Challan 
    8. Citizen guide
    9. License, registration, and insurance details
    10. Issuing learners license