How do I check my bike's third-party insurance status?

Posted on: Jun 12, 2025 | 3 mins | Written by: HDFC ERGO Team

How do I check my bike's third-party insurance status?

Owning a bike of your dreams brings unmatched satisfaction. Imagine that you are riding your dream bike through the city, and suddenly you are stopped by traffic police asking for your driving license and insurance papers. Most likely, you have your bike insurance papers. But is it still valid? Sounds stressful, right?

Riding a two-wheeler in India requires valid insurance, including third-party insurance. If you are not sure whether your two wheeler insurance is still valid, you do not need to worry; it can be easily checked digitally online.

Methods to Check a Bike’s Third-Party Insurance

As per the Motor Vehicles Act, a two-wheeler/ bike owner has to purchase third party bike insurance that provides coverage against damages incurred to a third party or property. Here’s how you can check the status of your bike's third-party insurance.

1. The Insurance Information Bureau Portal

The IIB portal is responsible for maintaining an updated database of all insurance policies, including bike third-party insurance.

• Visit the official IIB portal and find the “V-Seva” or “check insurance status” option.

• Fill in the details like your bike registration number, etc.

• Submit the details, and you will be able to see the status of your bike insurance.

2. The Parivahan Portal

The Parivahan portal is run by the government of India to provide insurance status for all types of vehicles.

• Visit the official website of Parivahan.

• Find and select the “Know your vehicle details” option.

• Fill in your vehicle's details, including your bike registration number.

• Hit the “search vehicle” option, and you will be able to see details of your bike insurance.

3. The mParivahan App

The Ministry of Road Transport and Highways launched the mParivahan App for seamless and convenient access to a wide range of information related to vehicles. You can check the status of your bike's third-party insurance using the mParivahan App. Here’s how

• Download the mParivahan App from the Google Play Store or Apple App Store.

• Fill in the basic details to launch the app.

• On the home screen, you will be able to find the “check vehicle status” option. Select the option.

• Here, you have to provide your vehicle registration number or your driver's license number to get the details of your vehicle. Hit search.

• On the screen, you will be able to see all the details on your bike, including the insurance policy details like insurance provider, policy type, validity, coverage, etc.

4. The Regional Transport Office Portal

Every Indian state has a designated Regional Transport Office portal that maintains the record of vehicle registration and insurance details. Here’s how you can check third-party bike insurance through the RTO portal:

• Visit the official website of the respective state RTO.

• On the website, you will be able to locate the “vehicle information” or “insurance status” option. Select either of these options.

• Next, you will be asked to fill in the vehicle details like vehicle registration number, chassis number etc.

• Submit the details, and the website will display all the information on your vehicle, including the status of your insurance policy.

5. The Insurance Company Portal

Apart from the above options you can also check the status of your bike insurance plan through the official website of the respective insurance company.

Bike Insurance Renewal: Why Do You Need It?

Valid scooter insurance is more than a legal requirement as it is a smart and calculative step that you must take as a vehicle owner. Let’s take a quick look to see why bike insurance renewal is important.

1. Legal Compliance

According to the Motor Vehicles Act 1988, purchasing valid motor insurance is mandatory to ride your vehicle in the country legally.

2. Avoiding Financial Setbacks

As a bike rider, it is obvious that you are riding your vehicle with diligence and caution. However, accidents can happen anytime and to anyone. In such situations, if your vehicle or a third party/property faces a loss or damage, a valid insurance plan protects you from a major financial setback by providing coverage.

3. Wide Coverage for Mental Peace

A valid insurance plan promises mental peace that your vehicle is protected against damages due to theft, fire, explosion, wear-and-tear, etc. You can opt for a comprehensive bike insurance for wide coverage.

4. Hassle-Free Renewal Process

In today’s time, renewing your motor insurance has become a seamless and quick process that can easily be performed digitally. All you have to do is visit the official website of your respective insurance provider and apply for an insurance renewal. Remember to claim benefits under the NCB, if applicable.

Did you know that 6 out of 10 Indians prefer purchasing a two-wheeler insurance plan through digital portals to revive lapsed policies in 2018?1

Summing Up

Staying updated on a third-party insurance status protects you from ending up in a stressful situation. In today’s time, a valid insurance plan is both a smart and a sensible move. With insurance companies offering different types of 2 wheeler bike insurance policies, you can easily find the one that best suits your needs.

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

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