Bike Insurance 581 views April 8, 2021

As per the Motor Vehicles Act, 1988, it is mandatory for all two-wheeler owners to have a valid bike or two wheeler insurance if they want to ride on Indian roads. Two Wheeler insurance protects your finances in case any loss or damage happens to your bike due to an accident. Every two wheeler has a unique registration number without which the vehicle is considered an illegal one. The registration number of your bike also helps you get details of your bike insurance via different methods. We will talk about these methods on this page so that you can get your insurance documents with your registration number.

But before knowing the methods, you should understand what exactly is a bike registration number. So, without any further delay, let’s start!

What Exactly is a Bike Registration Number?

As we mentioned earlier, every bike has a unique number. This number is allotted by your respective Regional Transport Office (RTO) and is known as your bike registration number. With the help of this, you can identify any vehicle and its owner in India.

So, how do you get this number? Well, while purchasing a bike, you will need to register it with the local RTO within 30 days of your purchase. Once registration has been done successfully, your respective RTO issues the unique registration number that you need to fix on your two-wheeler for the identification process.

Wondering what the bike registration number looks like? Well, the format of your bike registration number is generally AA NN AA NNNN where ‘A’ stands for Alphabets and ‘N’ stands for numerical digits.

  1. The first two alphabets represent the state in which your vehicle is being registered. For example, UP for Uttar Pradesh, MP for Madhya Pradesh, GJ for Gujarat, etc.
  2. The next two digits denote the district code where the registration of the bike is done. For example 32 for Lucknow, 16 for Gautam Buddha Nagar, 78 for Kanpur, etc.)
  3. The next two alphabets denote the ongoing sequence of your respective RTO, while the last four digits denote the unique identification number of your bike.

Note: Do remember that the first six figures of a bike registration number can be the same between two or more vehicles. But the last four digits can never be the same as they help in identification.

Methods for Getting Details of Bike Insurance by Registration Number

Now that you have the necessary information about the bike registration number, you should know the methods to get details of your bike insurance. When you purchase your bike insurance policy, it gets connected with your unique registration number. That’s why this number can be helpful to you.

You can get the details of your bike insurance using your unique registration number on the following websites. Please check!

  1. Go to the official website of the Regional Transport Office (RTO) where your two wheeler is registered. Here, you will only need to enter the vehicle registration number to get the details of your two-wheeler insurance.
  2. Another method to get the details of your bike insurance by registration number is to visit the website of the State Transport Department. Here also, you will need to provide your vehicle registration number to get your two-wheeler insurance details.
  3. You can also get the details of your bike insurance using your registration number on the official website of the Ministry of Road Transport and Highways.
  4. Insurance Regulatory and Development Authority of India (IRDAI) has also developed a dedicated web portal named  Insurance Information Bureau (IIB). This portal is a kind of data depository collecting all the information related to insurances in India. Here, policyholders can get policy details by entering their vehicle registration numbers.

Use of Registration Number for Different Purposes

Other than getting details of your bike insurance, your unique registration number can be used for the following purposes.

  1. For purchasing a two wheeler insurance plan
  2. For renewal of two wheeler insurance plan
  3. For making successful claims
  4. For checking the status of your two wheeler insurance

What to Do if you Lost your Bike Insurance Documents?

In case you have lost your original bike insurance documents, you can get a duplicate of the same. You can do it by following a few simple steps mentioned below.

  1. File a First Information Report (FIR)
  2. Inform your bike insurance company
  3. Publish an advertisement in the newspaper
  4. Draw up an Indemnity Bond

Other than following these steps, you can get your bike insurance documents by providing as much information as possible to your insurance company. As soon as the insurer completes its verification, the insurance company issues the duplicate bike insurance documents.

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