Every two-wheeler owner is required to have at least a third-party insurance plan to ride a bike or a scooter in India. As per Indian Motor Traffic laws, it is illegal to drive without a 3^rd party insurance in the country. Therefore, it is advisable to purchase a bike insurance plan without fail. Not renewing the bike insurance on time could result in the lapse of the policy. This is in effect, an expiry of the policy.

Bike insurance policy renewal can be easily done online rather than visiting the insurance company’s branch office. The policy can still be revived, even if you missed the deadline. It’s better to renew a policy than take a new one, as you do not need to be on-boarded once again. The insurer already has all your details.

Many insurance companies remind their policyholder through emails, calls, WhatsApp or texts as their insurance premium payment date approaches. Sometimes we tend to miss these when we don’t see the appropriate communication or we forget to make payments in time. However, if you have missed the renewal date of your insurance policy, immediately get in touch with your insurance company.

The first step you can take is to call your insurance company and ask for assistance related to policy renewal. In case you have lost track of your two-wheeler insurance renewal date or have missed renewing it before the due date, try to check your details online first. In situations where you are only paying after the due date, insurance providers avoid vehicle inspections.

There are two ways to renew your lapsed two-wheeler insurance plan i.e. online and offline. Follow these steps to complete the two-wheeler insurance renewal online after expiry:

1. Check if you have all the policy requirements ready with you. You can make changes to your policy at the time of renewal.
2. Login to your insurer’s website.
3. Enter the details related to your bike.
4. Select the type of bike insurance policy.
5. Select add-ons if required.
6. Make a payment through available payment methods.

Your two-wheeler insurance will be renewed and your renewed bike insurance policy will be sent to your registered email.

Consider the following points before purchasing/renewing a two-wheeler insurance policy.

1. Be aware of fraudulent offers
2. Never click on unknown links, asking you to renew on other platforms
3. Ensure that the insurer’s authorized signature is there on all policy documents.
4. Always ask for a payment receipt.

When purchasing two-wheeler insurance, the best way to do it is online, on a reputed website like Elephant. This way you can compare different bike insurance quotes and get insured with the best policy.