How To Get Bike Insurance Details By Registration Number

The Insurance and Regulatory Development Authority of India (IRDAI) regulates the motor insurance sector in India. Motor insurance also includes bike insurance which covers the insured’s bike against damages, accident, theft, loss or third-party liabilities. As per the India Motor Tariff rule, it is mandatory to have a third-party insurance cover while one is purchasing a two-wheeler. Therefore, if one drives their bike without a valid insurance policy, they can face huge fines and punishment.

Similarly, carrying your insurance documents while you drive is also mandatory. But what happens if you lose your insurance related documents and you do not have a soft copy too. 

Let’s see how the registration number of your vehicle plays a crucial role and helps in finding out the insurance details, even if you do not have your policy documents handy.   

What is a Bike Registration Number?

The bike registration number is the official and legal identity of your bike which is allotted by a specific regional transport office (RTO). This registration number is different for every two-wheeler and it helps in identifying the bike and its owner.

It is mandatory to have your bike registered with the nearest RTO within a month of purchasing a new bike. Once the registration is done at the local RTO, they will provide the bike owner a unique registration number which has its precise format. This number has to be imprinted on the bike’s number plate both on the front and back side.

Details of the Bike Registration Number Format

• The registration number consists of numbers and alphabets.
• Each letter represents specific information.
• The first two letters represent the code of the state, and the third letter is an indication of the code of the district.
• The next letter is an indication of the current RTO series, and the last four digits are the unique number.

How To Check Bike Insurance Details By Registration Number?

The registration details of your bike is very crucial by which one can easily fetch out the details of the bike and bike insurance details. For instance, to check the bike insurance details, you can type the registration number of your bike to find out the details of your insurance policy even if you don’t have your insurance policy number handy.

Now, let’s understand how to get your insurance details just by furnishing the registration number of your bike.

• Just like how your Aadhaar number has every detail about you, similarly the registration number of your bike contains every information related to your bike including your insurance details. Once you buy your insurance policy, the details of your policy get directly linked to your registration number of your vehicle and which can be accessed by the RTO, state or central government at any given point of time.
• If you want to know about your policy details by registration number, then you have to visit the website of the RTO or the website of the Ministry of Road Transport and Highways.
• As a next step you have to enter your registration number and select RTO, the bike insurance details by the registration number will be available to you. It will clearly show till when your insurance is valid, details of your bike like engine number, makes and model, year of registration, registration city and so on.
• Similarly, the web portal of the Insurance Information Bureau (created by IRDAI) also contains the comprehensive data of the insurance policies linked to every registered vehicle in our country. Visit the website under the head “Vehicle Insurance Status Search ” you will get the detailed information regarding your two-wheeler insurance policy by your registration number.

Bottom Line

Now, you have understood that insurance details of the bike can be easily obtained via the registration number of the vehicle. But you must also know that riding a bike without insurance papers is a legal offense. It is compulsory for the bike owner to keep a copy of the insurance policy while driving. And, if you still do not have a bike insurance policy, please refer to our article to know the best two-wheeler insurance policies in India.