Two-Wheeler Insurance Renewal

Two-wheeler insurance renewal is a process of extending coverage against accidents, theft and other damages to your bike or scooter for another year, ensuring that you are always protected on the road.

Not renewing your bike insurance on time can lead to your policy expiring, meaning you lose coverage and any accumulated discount on your premium, like your No Claim Bonus discount. For instance, if your bike gets stolen or damaged when your policy is lapsed, you will have to bear all the repair/replacement costs out of your pocket. It’s also illegal to ride your bike without bike insurance in India, so if you’re riding with expired bike insurance, you will be fined ₹2,000-₹4,000 or face up to 3 months imprisonment.

That’s why timely bike insurance renewal is essential, and we at IndusInd General Insurance (formerly Reliance General Insurance) offer online bike insurance policy renewals. With us, you can renew your expired policy online in minutes - no complex paperwork, no inspection. Simply enter your bike registration number and renew your policy with a few taps.

What is Two-Wheeler Insurance Renewal?

Two-wheeler insurance renewal is the process of extending your existing bike insurance policy for another year. When your current policy is about to expire, you renew it to keep your coverage active and continue protecting your bike against accidents, theft and damage. It's like recharging your insurance so your bike stays protected on the road.

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Why 8 Crore+ Policyholders Trust Us?

Renewing your two-wheeler insurance helps keep your ride protected and your coverage active without any hassle. With IndusInd General Insurance, the process is quick, simple and ensures you’re ready for every journey.

Own Damage Bike Insurance

Up to 80% Online Discount*

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Why Timely Bike Insurance Renewal Matters

Avoid legal trouble

Riding without valid bike insurance is illegal in India. You can face fines up to ₹2,000 or even jail time if caught riding with expired insurance.

Keep your discounts

You lose your No Claim Bonus (NCB) if you don't renew within 90 days of expiry. This means you'll pay higher premiums when you finally renew.

Stay financially protected

Any theft or accident during a lapsed period comes out of your own pocket. Without active insurance, you'll have to pay for all repair costs and damages yourself.

Benefits of Renewing Bike Insurance Before Expiry

Avoid Heavy Legal Penalties

Effective from March 1, 2025, driving without valid insurance now attracts a fine up to ₹2,000 (up to ₹4,000 for repeated violations) and up to 3 months in jail. Timely renewal keeps you legally compliant and saves money on penalties.

Cover Third Party Damage

Timely renewals mean you maintain coverage for third-party liabilities like accidental damage you might cause to another person, vehicle or their property during an accident involving your bike. This coverage is mandatory under the Motor Vehicle Act, 1988.

Continuous Coverage

Timely bike insurance renewal ensures continuous coverage without any gaps. Your bike stays protected against accidents, theft, natural disasters and third-party damages. So, renew on time to maintain coverage against these events.

No Claim Bonus

Two-wheeler insurance renewal on time allows you to retain the NCB rewards you have earned for each claim-free year. This bonus allows you to enjoy lower premiums on your next renewal. If you delay renewal beyond 90 days, you lose this benefit.

Adjust Your Coverage

Timely renewal allows you to update or upgrade your policy coverage, add new riders or adjust the sum insured. You can also switch to a comprehensive policy to meet your growing coverage requirements.

Avoid Inspection Charges

Late renewal beyond the grace period leads to mandatory bike inspection and potential premium increases. This is not only time-consuming but can also attract additional charges.

Save time, save stress, renew your bike insurance with us

One quick call and your bike’s insured again!

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How to Check Your Bike Insurance Expiry Date Online?

Using IndusInd General Insurance

Visit the IndusInd General Insurance website and click the login button.
Navigate to your policy document to check your bike insurance expiry date.
Alternatively, you can download your policy using self-service to see the expiry date.
You can also use the IndusInd Insurance app and tap Insta Renewal to check policy dates.

Using Parivahan Sewa Portal

Go to Parivahan Sewa website and find the informational services section.
Click on Know your vehicle details option from the menu.
Enter your mobile number and complete the verification code process.
Type your bike registration number in the search box provided.
Click the search vehicle button to see your insurance expiry details.
Also, you can find it on the mParivahan app on your phone.

How to Renew Bike Insurance Online in 3–5 Easy Steps

Scroll Up

Scroll up to the form on top on this page and click "Renew".

Enter Details

Enter your policy number or mobile number with registration details.

Review & Modify

Review your current policy coverage and make changes if needed.

Make Payment

Pay your renewal premium using your preferred online payment method.

Instant Issuance

Get your updated policy on email or renew instantly via IndusInd Insurance app.

Bike insurance starting at just ₹19 per day*!

Instant bike insurance renewals

Renew quickly and effortlessly, with flexible add-ons to ensure your coverage stays strong for every ride.

Renew Now

IndusInd Two-wheeler Insurance: Key Inclusions and Exclusions

What is Covered?

Accidents and Collisions: We cover repairs if your bike gets damaged in road accidents or crashes with other vehicles.

Third Party Damages: We handle medical bills and property repair costs if you accidentally cause damage to another person or their property.

Natural /Man-made Disasters: Damage from natural disasters such as floods, earthquakes, cyclones, landslides and man-made disasters, like riots, strikes, vandalism, or acts of terrorism.

Animal / Rodent Damage: Any animal-induced damage, like rat bites or wild animal attacks, that causes internal or external damage to your bike or scooter.

Theft of the Insured Bike: Offers compensation if your bike or scooter, or its parts, are stolen. The payout is based on the bike’s IDV (present value).

What is Not Covered?

Wear & Tear and Depreciation: We cover all repair costs, except those arising from wear and tear and the natural degradation of parts that occur with regular use.

Accessories: You're fully covered for factory-fitted accessories under the base plan. However, any electrical and non-electrical accessories fitted to your bike after purchase require add-on coverage.

Law Violations: You're fully covered for accident-related claims except for ones arising out of law violations or illegal activity involving your bike.

Outside Coverage Zone: You get pan-India coverage, but if you want coverage outside Indian borders, you'll need the geo-extension add-on.

Key Takeaways

Renew your IndusInd Two-wheeler Insurance (formerly Reliance Two-wheeler Insurance) before it expires to keep your vehicle protected without any coverage gaps. With an instant online renewal, you can stay compliant with the laws and ensure financial protection against accidents, theft and natural calamities.

Renewing your bike insurance policy on time allows you to enjoy up to 50% NCB discounts, ensuring low renewal premiums. No hassle of vehicle inspection or endless documentation, our seamless bike insurance renewal process lets you renew your policy in a few minutes, anytime and anywhere.

At IndusInd General Insurance, you can also consider our long-term insurance policies that offer even better value by locking your premium rates for five years and eliminating the stress of yearly renewals.

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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4.9 ★ ★ ★ ★ ★ (52)

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Kunta Naveen

Vizianagaram

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Viral Kumarvinu Bhai Patel

Vadodara

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Kuldeep Singh

Shahjahanpur

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. I felt that my protection needs were well addressed with this policy.

Sandeep Kumar

Raichur

Quick policy issuance

Buying a Bike policy through the platform from Reliance (now IndusInd) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons.

Palepuni Raja

Nizamabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The process felt reliable and I would recommend it to others.

Harish S

Nilgiris

Quick policy issuance

Buying a Bike policy through the platform from Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Aravinthsarathy B

Nagapattinam

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Dhananjay Nair

Kanyakumari

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Rosan Patel

Jharsuguda

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The process felt reliable and I would recommend it to others.

Surendra Kumar Sain

Jhansi

4.5

Value for money

I recently purchased my Bike insurance and found the experience very smooth. I'm happy with how everything went, product offering is fine.

Kulamatiadi Venkat Rama Appa Rao

Hyderabad

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras.

Uma Devirallabandi

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance. The coverage provided matches my expectations and feels comprehensive.

Raj Kumar Goudburu

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company). I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Vijay Maken

Gurgaon

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.

Manish Kumar Yadav

Gonda

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

Arun Jain

Faridabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The convenience and clarity made this a good experience.

Sandip Chandrakant Mali

Dhule

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Jashobanta Parida

Dhenkanal

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Subrata Kumarsahani

Cuttack

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Janet Joshikad

Coimbatore

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. The plan offered exactly the type of coverage I was expecting.

Sathiamourthy Priya

Coimbatore

Seamless digital experience

The journey of purchasing Bike insurance felt effortless and user-friendly. The policy coverage and offerings do not match my requirements.

Hiren Kumar Raju Bhai Tailor

Bharuch

Quick policy issuance

I had a positive overall experience while applying for Bike insurance Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Abhishek Neelakantachar

Bengaluru

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Guru Nathakooni

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. It met my requirements well and felt tailored to my needs.

Aniket Rai

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Aneesh Krishnan Nair

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance (now IndusInd Insurance) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Madhava Rao Nagesh Rao

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Vinita Jain

Ahmedabad

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Rupesh Pandurang Khamgaonkar

THANE

Seamless digital experience

Getting my IndusInd two-wheeler insurance policy online was a breeze with a quick step-by-step guide to take me through the process.

Mr Javed Khan Maheboob Khan Pathan

NILANGA

Value for money

My bike is used only for nearby rides, so I wanted simple protection at a sensible price. The plan matched that without feeling costly.

Hemanth Kumar

MAGADI

Easy application

I wanted my RC and insurance papers together on my phone. After finishing the form, I downloaded the copy and saved it with my vehicle documents.

Manoj Kumar Modi

ANGUL

Seamless digital experience

I remembered the scooter renewal after dinner and finished it from home. The steps were short, and the document was ready without any delay.

Sanjaykumar Rajkumar Menase

AKKALKOT

Quick policy issuance

My two-wheeler insurance policy was issued instantly after payment completion.

Vikas Savlani

DAMOH

Easy application

Had a very smooth experience applying for the policy online.

Himanshu Kumar

CHANDI

Easy application

I was a little unsure while entering the registration number, but the steps were simple. I filled it carefully and got the insurance copy soon after.

Govindji Turam Suthar

MUMBAI

Quick policy issuance

I wanted all my bike papers updated before the month-end. I renewed online and downloaded the insurance copy right away.

Satinder Singh

GURGAON

Seamless digital experience

I usually delay insurance work because it feels boring, but this was not confusing. I followed the steps slowly and finished it myself.

Manoj Hirabhai Chudasama

BHAVNAGAR

Easy application

I compared options for my scooter and chose one that did not add things I would never use. The amount felt right for daily local travel.

Nagavenkata Basava Subbareddyped

TIRUMALAGIRI

Easy application

I renewed my two-wheeler insurance during a small break at work. Everything opened properly on my phone, and I did not need to call anyone.

Bonkanpally Raghupathi

NIZAMABAD

Value for money

My scooter is used mostly for quick nearby work, so I wanted the insurance done without much effort. The form was short, and I was able to complete it easily on my phone.

Deepa R

COIMBATORE SOUTH

Quick Policy Issuance

I had taken a second-hand scooter and wanted the insurance sorted properly. The steps were clear, and I could update the details without getting stuck.

S M Karunya Krishna

CHITTOOR

Quick Policy Issuance

I realised my bike insurance had expired while keeping my vehicle papers ready. I renewed it online and got the copy within minutes.

Shivappa Nayakar

BANGALORE NORTH

Quick Policy Issuance

I had to go out urgently and wanted to be sure my bike insurance was active. The message came soon after payment, which gave me peace of mind.

Vimala V

PUZHITHIVAKKAM

Seamless Digital Experience

Our scooter is used by everyone at home for small work nearby. I wanted the insurance active, and the online process was quick enough to finish from home.

Payal Priyadarshani Nath

HYDERABAD

Quick Policy Issuance

I remembered my bike insurance renewal while I was outside. I completed it on my phone and saved the document before riding back.

Murthy Lakshminarasimha Dasari

RAJENDRANAGAR

Seamless digital experience

I forgot about the renewal till the last day. I completed it in the evening and got the policy message quickly, so I could ride the next morning.

Kiran Tanguturi Kumar

PRODDATUR

Value for money

My bike is mainly for office and small errands. I didn't want a heavy premium, and the cover felt enough for my daily riding.

Ramesh Kumar Ramjas Shukla

MUMBAI

Quick policy issuance

I didn't have all my documents handy, but the form only required basic bike details, which made it easy to complete.

Diddi Ramesh

HYDERABAD

Easy application

I don't ride long distances, so I wanted a normal plan for city use. The price felt reasonable for the kind of protection I needed.

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IndusInd General Insurance

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Frequently Asked Questions (FAQs)

When should I renew my bike insurance?

You must renew your bike insurance before it expires to avoid breaking the law. Riding without valid insurance can get you in legal trouble and leave you unprotected financially. Plan to renew at least a few days before your current policy ends to ensure you have continuous coverage without any gaps.

How do I register my claim?

Contact us immediately after any accident or damage, no matter what time it happens. Call our helpline at +91 22 48903009 or use the Self-i-App to report your claim. You can also register claims through our website by downloading and filling out the claim form available online.

What is a cashless and non-cashless / reimbursement claim?

Cashless claims mean you don't pay the garage directly—we handle the payment for repairs at our network garages. Non-cashless claims happen when you choose a garage outside our network. You pay the repair costs first, and then we reimburse you after you submit the original bills and receipts to us.

What is the cost of two-wheeler insurance online?

The cost varies based on your specific situation and needs. Factors like your bike's value, the coverage type you select, your location and personal details all influence the final price. Online policies often cost less than offline ones because of lower processing costs and direct sales without middlemen.

Which bike insurance policy would be suitable if I have a two-wheeler on loan?

Choose comprehensive insurance when your bike is financed through a loan. Banks and financial institutions typically require full coverage to protect their investment in your vehicle. Comprehensive insurance covers both third-party damages and your own bike's repairs, giving complete protection until you finish paying off the loan.

What are the types of two-wheeler insurance in India?

There are three main types of bike insurance you can choose from. Third-party insurance covers damages you cause to others and their property - this type is required by law. Comprehensive insurance protects both you and others, covering your bike's damage, too. Long-term insurance lets you buy coverage for multiple years at once, saving you money.

Can I renew my two-wheeler insurance policy online?

Yes, renewing your bike insurance online is quick and easy. Simply enter your policy number and engine number on our website. The system will pull up your details and help you complete the renewal process. You can pay online and get your new policy documents right away.

What is a No-Claim Bonus (NCB)?

No-Claim Bonus is a discount you earn by not making any claims on your policy. If you don't claim anything for a full year, you get 20% off your next premium. This discount grows each claim-free year, reaching 25%, then 35%, 45% and finally 50% after five years of safe riding.

What are the documents required to buy bike insurance online?

You don't need to submit physical documents when buying bike insurance online. Just keep your registration certificate handy and provide basic details like your bike's registration number, engine number, chassis number and manufacturing date. You'll also need to share your contact information and previous policy details if you have any.

What are the factors that affect Bike Insurance Premium?

Your premium depends on several things you can and cannot control. Your bike's make, model and age matter, along with where you live and your age. The type of coverage you choose and your bike's current market value also affect the cost. Your riding history and claims record play a role, too.

Will I get a discount on policy premium if my bike has anti-theft devices installed?

Yes, installing approved anti-theft devices can reduce your premium costs. The device must be certified by the Automotive Research Association of India to qualify for discounts. These devices lower the risk of theft, so insurance companies reward you with lower premiums for taking this safety step.