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A guide to buying 2-wheeler insurance over the internet

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Published on August 25, 2021. EST READ TIME: 3 minutes



There was a time when bike owners used to approach agents to buy insurance. However, thanks to growing internet penetration, this trend is changing rapidly. You can now buy the right policy online after conducting due research and comparison. Insurance companies have started to sell insurance for 2 wheeler vehicles over the internet because it is cheaper, much more accurate, easier to administer and overall much faster than the traditional agent based model. Plus, when you buy a policy for your two-wheeler online, you tend to get the best deals. Just make sure you have all the necessary documents handy and don’t fall for fake sites.

Documents that you need to buy two-wheeler insurance online:

Buying a two-wheeler insurance over the internet means that you will have to provide a set of documents related to your own identity as well as your vehicle. They are:

• ●First, you need to provide information and documentation about your vehicle. You need to collect these details from the purchase invoice of your two-wheeler and the registration certificate. Generally, the invoice value to decide your IDV comes from the vehicle invoice. Details like registration number, engine number, chassis number, engine and seating capacity come from your vehicle’s RC card. The address mentioned in the RC will also be considered by the company as the place where the vehicle is to be insured.
• ●Second, you need to provide your personal information. This can come from your driving licence or any other identity proof. Though most companies prefer to have a driving license as your personal information proof, other government issued documents like your passport or voter ID may also be deemed acceptable. Usually, they pick your name, address and age from this document. Depending upon the company, you may also be required to submit a photo of the vehicle owner.
• ●Pollution Under Control Certificate may be needed to buy insurance for 2 wheeler or 4 wheeler. For a new vehicle, generally a PUC certificate issued by the vehicle manufacturer is considered valid by the insurance company.

Documents that you need to renew two-wheeler insurance online:

The insurance policy is issued for a limited period, and once it expires, you need to get it renewed. This process is also a very simple one. Along with the documents mentioned above, you also need a few more documents to renew insurance for 2 wheeler online.

• ●First, the PUC issued by the manufacturer should have expired by now, so you will need to get a new one from an authorised PUC testing facility near you. It is best to get the PUC done from the state in which your vehicle is registered to avoid any confusion.
• ●Second, you will need to provide a copy of your current vehicle insurance. If you have made any claims based on your current policy, you may be required to submit some documentation regarding the same.

Keep in mind that if you are changing insurance companies, you might also be required to submit some additional documents depending upon the rules and regulations of the new company.

Things you must check after buying two-wheeler insurance

The good thing about buying insurance online is that you get your policy instantly and you can get any mistakes in it fixed easily. It is, therefore, important that you immediately check a few details in your policy document the moment you receive it.

1. Check the name and address details of the vehicle owner. Make sure that they match the spelling in other important documents like identity proof etc. If there is a mismatch and you ignore it, you can face a lot of trouble while making a claim.
2. Check if all the vehicle details, including the make, model, age, engine number, chassis number etc. match with your vehicle registration certificate.
3. Make sure that the policy enforcement and ‘valid up to’ dates are accurate.
4. Ensure that the IDV of the vehicle is as per your specification. One big advantage of buying insurance for 2 wheeler online is that you can set your own IDV. So, make sure that the vehicle IDV matches what you had set when buying the policy.
5. Check if the policy document accounts for your applicable NCB as well as any add-on features that you had paid for.

How to buy HDFC ERGO two-wheeler insurance?

Buying a bike insurance policy from the HDFC ERGO website is super easy, as you all need to do is either enter the vehicle registration number or a few basic details like the bike brand, variant, registration city and year. You can choose from third-party, own damage and comprehensive insurance policies, and even include different add-ons to make the coverage more powerful. The best part about buying insurance for 2 wheeler from HDFC ERGO is that you can get up to 70% discount on the premium. And getting the policy details in your inbox will take less than 3 minutes. In case you are not too comfortable with technology, you can visit the nearest HDFC ERGO branch and request an executive to help you with the application.

To wrap up, buying insurance for 2 wheeler online is a smooth and quick affair, as long as you have all the documents in place and check the crucial aspects as discussed above. Feel free to compare premium quotes from different insurance providers before taking a call.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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