How to Know Your Bike Insurance Details with Just Your Registration Number

Updated on 6 Jan 2026

Every two-wheeler owner in India must have at least a third-party insurance policy. But sometimes, we misplace our policy documents or forget the renewal date. In such situations, your bike’s registration number can help you get all the insurance details you need. In this article, you will learn what a bike registration number is and how to find bike insurance details by registration number.

What is the bike registration number?

The registration number of a bike is a unique number allotted to it by the Regional Transport Office (RTO) where it is registered. This registration number acts as an identity card for the vehicle. It helps the traffic police authorities and the common public know a vehicle’s basic details, including its RTO, fitness status, insurance details, engine and chassis number, PUC details, etc.

The basic format of a bike’s registration number in India is “AA 00 AA 0000”. Here, the first two letters denote the state in which the bike is registered. The following two-digit number is the code of the RTO where the bike’s registration is done. The subsequent two letters indicate the RTO sequence, whereas the next four-digit number is the unique registration number allotted to the bike.

Note that the first six characters of two or more bikes can be the same, but the last four digits will always be different.

Why is the registration number important for bike insurance?

Your bike’s registration number is your bike’s identity. Here’s why it’s so important for insurance:

• Verification: The insurance company uses your registration number to verify your bike’s details and confirm ownership.
• Renewal: You can easily renew your policy online using the vehicle number.
• Tracking: If your policy document is lost, you can track your insurance details by entering the registration number on government or insurance portals.
• Claim: When you file a claim for theft or an accident, your registration number is needed to process it.
• Transfer: When you sell your bike, the insurance policy and ownership are linked through this number.

How to check bike insurance details by vehicle number?

Getting your two-wheeler’s insurance details by using its registration number is pretty simple. When you purchase or renew a two-wheeler insurance policy, it gets linked with your bike’s registration number. To know your bike insurance details by registration number, you can adopt any of the following methods:

• Visit the website of the Ministry of Road Transport and Highways (gov.in). You need to go to the “Online Services” section and select “Vehicle Related Services”. You will be redirected to a page where you will have to enter your bike’s registration number, and all its details will be displayed on your screen.
• Download the “mParivahan” app on your smartphone. After registering in the app with your name and mobile number, you can enter your bike’s registration number in the box and click on search. All the details about your bike, including its owner’s name, fitness and road tax validity and insurance details, will be displayed on your smartphone’s screen.
• Visit the official website of the RTO where your bike is registered and enter the registration number of your bike to know its insurance details. You can also visit the RTO physically and furnish your bike’s registration number to the helpdesk officer to know its insurance details.
• Visit the website of your insurance provider, and you will be able to know your policy details by entering your bike’s registration number and your registered mobile number. You can also approach your insurer’s nearest branch office or contact its customer support number to get your bike insurance details through its registration number.

Buy or renew bike insurance online by vehicle number

Renewing or buying bike insurance online is now quick, convenient and hassle-free. There is no need to visit any office or fill out lengthy paperwork. Using your mobile or computer, you can complete the process with just your vehicle registration number.

Simply visit an authorised insurance portal and enter your bike’s registration number to fetch its details. Then, choose the type of policy you want, either a third-party policy or a comprehensive one. You also have the option to compare different plans and customise your policy by adding useful add-ons such as zero depreciation, roadside assistance or engine protection.

Once you’ve selected the plan, make the payment online through secure options. Your policy will be issued immediately, and a soft copy will be sent to your email for instant access and future reference.

Process of bike insurance policy download by vehicle number

Follow these steps to download your insurance policy:

1. Visit the online portal or mobile website of your insurance provider.
2. Click on the “Policy Download” section.
3. Enter the registration number of your bike along with other details.
4. Verify yourself through the OTP sent to the registered mobile number.
5. You will find your insurance document.
6. Download and save the softcopy. Print it to keep a hard copy in your record for future use.

What happens when you do not have a vehicle registration number?

If you don’t have your vehicle registration number with you, here’s what happens:

• You can’t check your insurance details online: Most government and insurance portals need the registration number to show your policy information. Without it, you can’t view your insurance status or expiry date.

• Renewing your policy becomes difficult: Online systems identify your vehicle using the registration number. Without it, the platform can’t fetch your existing policy, so you’ll have to verify details manually through customer support.

• Claim processing may be delayed: If you file a claim for an accident or theft, the insurer will ask for your registration number. Not having it handy can slow down or temporarily block the claim process.

• Can’t confirm your bike’s insurance validity: Without the registration number, there’s no quick way to check whether your policy is still active or expired.

• Might face trouble proving ownership: The registration number links your name to the vehicle in official records, so you’ll need it for any verification with the insurer or RTO.
  
• Manual verification becomes necessary: Without the number, you may have to visit the insurer’s office, show ID proof or use alternate details like chassis or engine number to retrieve your policy.

Other methods to find bike insurance policy details

You can also find your bike insurance details through:

• The customer care department for your insurance provider.
• IIB, or the Insurance Information Bureau’s official portal.
• SMS alerts received from the insurance provider.

Why should you perform a bike insurance check by vehicle number?

Checking your bike insurance policy regularly is a simple yet important step that can help you avoid unnecessary complications later. It ensures that your policy is active and prevents any penalties that may arise from non-compliance with traffic rules.

By reviewing your policy details, you can stay aware of the renewal date and other important information, making it easier to renew on time. Additionally, in the event of an accident or emergency, having updated insurance details on hand allows you to file a claim smoothly and without delay.

Tips to keep your bike insurance details accessible

To avoid stress during emergencies or renewals, it’s important to keep your bike insurance details easy to access. Here are some simple tips:

• Save the soft copy: Always keep a digital copy of your policy on your phone or email.
• Print a hard copy: Keep one printed copy at home and one in your bike’s document pouch.
• Set renewal reminders: Use your phone’s calendar or reminder app to alert you before the renewal date.
• Note down key details: Write down your policy number, insurer’s name and expiry date in your diary or notes app.
• Update contact details: Make sure your insurer has your current mobile number and email address.
• Use cloud storage: You can store your policy in secure online storage for quick access anywhere.

Conclusion

Your bike’s registration number is the easiest and most reliable way to find your insurance details. Whether you want to check policy validity, renew your insurance or download a duplicate copy, the registration number connects all the information you need. You can manage almost everything related to your two-wheeler insurance online, from checking details to making payments. Keep your vehicle number handy and stay insured to enjoy safe, worry-free rides.

While you take care of your bike and keep it in top condition, let us help you protect it on every ride. Get personalised comprehensive bike insurance advice and the best coverage options by filling out the form provided on this page.

FAQs

• Can I check my bike insurance details without a registration number?

You can try using your chassis number, engine number or registered mobile number, but having the registration number makes the process easier and faster.

• How can I find out if my bike insurance is still active?

Visit a government or authorised website and enter your registration number to see the insurance validity and expiry date.

• What will happen in case I forget to renew my bike insurance?

Your policy will lapse, and you may have to go through an inspection before renewal. You’ll also be unprotected in case of accidents or theft.

• Can I download my bike insurance policy online?

Yes, you can download a duplicate policy copy by entering your registration number and verifying your mobile number.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.