Updated on - 09 Feb 2026
Riding a two-wheeler comes with its share of risks, such as accidents or theft. Having the right insurance coverage gives you peace of mind on every ride. However, your policy may need to change over time as your vehicle, needs or circumstances evolve. Updating or changing your two-wheeler insurance ensures your coverage remains relevant and adequate.
Whether you have changed your bike, are seeking to upgrade your policy or change insurers, learning how to modify or change your two-wheeler insurance online is essential.
Types of two-wheeler insurance policies
The common types of two-wheeler insurance policies available are given below.
- Comprehensive bike insurance policy: It covers theft and damage to your bike due to accidents, natural calamities and certain man-made disasters. Additionally, it includes third-party liability coverage, protecting you against legal and financial obligations if you cause injury or property damage to others. This type of policy safeguards your bike and your finances, making it ideal for riders seeking complete peace of mind.
- Third-party liability policy: This is a legally mandated policy under the Motor Vehicles Act 1988. It does not cover damage to the insured vehicle but protects against liabilities arising from injuries to third parties or damage to their property.
When can you change your two-wheeler insurance policy?
Below are some situations when policyholders can change their insurance policies.
At the time of renewal
An insurance policy is a contract that lasts for a stipulated time. When this period is over, you can choose a different contract offered by the same insurer or opt for a different insurance company. If you choose a different insurer, your No Claim Bonus (NCB) will be retained if applicable.
Within the policy period
It is not highly recommended that you change your insurance policy during the policy period. If you decide to do so due to dissatisfaction with the current insurer, make sure you inform your insurance provider and cancel the policy by following the due process. Before riding the bike, ensure you obtain new motor insurance.
New ownership of your two-wheeler
If you sell your two-wheeler, you must transfer the insurance policy to the new owner, as insurance policies are for specific vehicles. This is necessary to avoid legal complications.
Lapsed two-wheeler insurance policy
You can either opt to renew the lapsed policy with the existing insurance provider or obtain new insurance from a different insurer. If you’re switching insurance companies, you may lose any accumulated No-Claim Bonus (NCB) from your previous policy if there’s a significant gap between the old and new insurance.
Renewal
You can also change your two-wheeler insurance when your policy is due for renewal. You can switch to a better plan with the same insurer or choose a different insurance company. Make sure you compare the plans and select the one that aligns with your preferences.
Benefits of changing your two-wheeler insurance policy
Changing your two-wheeler insurance policy can bring several advantages. The key benefits include:
- Better coverage at lower premiums: Switching your policy to a new insurer after carefully comparing available options can help you find a plan that offers more protection at a competitive price, ensuring your bike is well-covered.
- Adequate compensation: Updating your policy ensures it reflects the current market value of your bike, helping you receive sufficient compensation in case of damage or theft.
- Improved claim experience: Choosing a reliable insurer can make the claim settlement process smoother and faster, providing peace of mind during stressful situations.
- Customised protection: Changing your policy allows you to tailor coverage according to your needs and riding habits, offering more personalised insurance solutions.
How to change a two-wheeler insurance policy online?
Before you change your two-wheeler insurance online, it is crucial to conduct thorough research and compare different insurers and their policies. Additionally, it is critical that you understand the policy terms, deductibles and coverage provided. After in-depth research, you may follow the given steps to change your two-wheeler insurance policy online:
- Visit the insurer's website: Go to the relevant website and create an account if you’re switching to the insurer. If you’re simply upgrading coverage or changing plans with your current insurer, log in to the insurance company’s website with your existing account.
- Choose policy: After logging in, locate the section that offers renewal, upgrade or quotes. Select the required policy.
- Provide information: If you’re switching to a new insurer, you’ll need to provide the details of your vehicle, claims history, current insurance details and more. Ensure all personal information you provide is correct.
- Upload documents: The insurer may require you to upload relevant documents like the vehicle’s Registration Certificate (RC), your driving licence and the previous policy details.
- Make the payment: Proceed to the payment section and pay the necessary amount. You may have to upload ID proof for verification.
- Review policy: After successful payment, the insurer will typically send a policy document with all relevant details, like the policy number, premium, expiry date and more. Verify all details and request corrections if necessary.
Documents required for changing two-wheeler insurance
Before changing your two-wheeler insurance, ensure you have all the necessary documents ready for a smooth process.
- Existing insurance policy copy
- Vehicle registration certificate (RC)
- No Claim Bonus (NCB) certificate
- Valid ID proof
- Vehicle details
Impact of policy change on no claim bonus (NCB)
When you switch to a new insurer without any claims in the previous policy period, most insurance providers allow you to transfer your accrued NCB to the new policy. However, failing to provide the NCB certificate from the previous insurer or missing deadlines may lead to loss of this benefit. Maintaining proper documentation ensures you continue to enjoy premium discounts earned through claim-free years.
How to compare two-wheeler insurance policies before changing?
Before changing your two-wheeler insurance policy, it’s important to compare all available options carefully. If you’re upgrading from a third-party cover to a comprehensive policy, check the additional protection offered, such as own-damage cover, personal accident cover and add-ons like zero depreciation or roadside assistance.
When switching insurers, compare premium costs, claim settlement ratios, renewal benefits and customer service reputation. Also, review exclusions and NCB transfer options to ensure continuity of your rewards. Using online comparison tools can help you evaluate multiple policies side by side, making it easier to choose the plan that best balances affordability and complete protection for your bike.
Important things to consider while changing your two-wheeler insurance policy
Here are some things you should remember when changing your two-wheeler insurance policy.
- Do not change your insurance policy on a whim. Thoroughly research different plans and coverage available before making a decision.
- Do due diligence when switching to a new insurance company. Their reputation, credibility, claim settlement ratio, customer reviews and the quality of customer service are important factors to consider.
- Read the policy document carefully before signing any policy documents.
Conclusion
In conclusion, changing your two-wheeler policy online is a simple, convenient and time-efficient process. Compare options, select a policy that better suits your needs and ensure uninterrupted coverage for your bike. Remember to evaluate your coverage requirements carefully and retain benefits like the No Claim Bonus (NCB) during the switch for maximum value.
If you are searching for the right two-wheeler insurance online , let us help you find the ideal one. Fill out the form on this page, and our insurance expert will provide tailored advice to help you buy the right policy.
FAQs
1. Is it possible to renew two-wheeler insurance online?
Yes, you can renew your insurance policy online by visiting the insurer's website and making the necessary payments.
2. Is it safe to renew insurance online?
Yes, it is safe to renew your insurance online. Most reputable companies have a secure payment gateway.
3. Can I update my insurance policy?
Yes, you can update your insurance policy by visiting the insurer's website or getting in touch with an agent from the company.
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.