New riders may need help to check the two-wheeler insurance process despite it being an important factor for road safety and legal requirements. For any new rider, knowing the features of two-wheeler insurance, which papers are required and how you can renew your policy will save you from fines and penalties. To make it easier for you to handle two-wheeler insurance, keep reading this space about insurance check tips, essential documents, explanations and information.
What is Two-Wheeler Insurance and Why is it Important?
Two wheeler insurance check refers to the process that covers motorcycles, scooters and any other two-wheelers. The Motor Vehicles Act 1988 has made it compulsory for all two-wheeler owners to have an insurance policy. It offers financial security from any losses or harm in case of an accident, theft, disaster, or other people’s negligence.
Here is the importance of two-wheeler insurance:
● Legal Requirement
Getting third-party insurance coverage is compulsory in India for every two-wheeler owner. Riding your two-wheeler without proper insurance may lead to penalties, fines, or even complete confiscation of your vehicle.
● Financial Protection
Owning a two-wheeler insurance policy protects you against any unforeseeable costs that result from an accident, natural calamities, or theft. Moreover, two-wheeler insurance covers repairs or replacements of a vehicle that eliminate extra costs for the owner.
● Peace of Mind for Riders
When riders have vehicle insurance, they will feel safe and have no worries on the road. This gives you a feeling of security if, for example, your bike is stolen, there is an accident or the bike is damaged in some way, so you can ride safely.
Essential Documents for the Two-Wheeler Insurance Check
When verifying the insurance of two-wheelers, the documents are of major importance for effective cooperation. Maintaining these documents avoids any complications regarding insurance verification being a stressful process. The key documents include:
- Registration Certificate (RC) – This serves as a document of title and gives information about the vehicle.
- Driving License – A legal document indicating that the bearer is legally allowed to drive the vehicle.
- Insurance Policy Document – It affirms that your two-wheeler is insured and contains all the policy details.
- Pollution Under Control Certificate (PUC) – This document shows that your car is not a polluter.
Steps to Check Two-Wheeler Insurance Status Online
Checking your two-wheeler insurance status online is a simple process that can save time and effort. Here are two common methods:
● Through the Insurance Provider’s Website
Step 1: Visit the insurance provider’s website and click on the “Policy Status” or “Insurance Check” button.
Step 2: Enter the details, such as your policy number, vehicle registration number, or mobile number linked to the policy.
Step 3: Your insurance status, coverage details, and policy expiration date will be displayed.
● Using the Government’s VAHAN Portal
Step 1: Log in to the official website of Vahan.
Step 2: Click on the ‘Know Your Vehicle Details’ button.
Step 3: Provide your mobile number and click on ‘Next’.
Step 4: Enter your account details to log in and tap ‘Continue’.
Step 6: Provide the OTP on the box and click ‘Verify’.
Step 7: You will see the vehicle registration page with all the details.
Step 8: Enter your vehicle number and click ‘Vahan Search’.
Step 9: View all details of your vehicle insurance policy.
What Mistakes to Avoid While Getting a Two-Wheeler Insurance?
Following are a few mistakes that you must avoid while getting a two wheeler insurance policy for a hassle-free buying process:
● On Choosing Minimum Coverage
Many riders prefer cheap policies because of low premium rates, but may not give complete protection against all risks like accidents, theft, or natural calamities. Moreover, a detailed policy offers wider coverage and will help you avoid large costs in the future.
● Not Comparing Two Policy Insurances
One of the errors is getting to the first insurance policy without having to look at different insurance policies. Also, the premiums and coverage provided may vary in price and benefits that an insurance company provides.
● Ignoring the Additional Benefits
Additional benefits in a policy can increase the premium amount for you. However, if you do not consider these benefits, then you might miss out on getting additional benefits, which can be higher than a basic plan.
● Not Assessing the Bike Value Properly
You should consider the listed selling price of the vehicle before deciding which insurance plan to buy. So, assessing the Insured Declared Value (IDV), which is the maximum amount an insurance company is willing to pay, should be considered.
Final Words
Understanding the two-wheeler insurance is inevitable for each new rider since it is obligatory and gives financial support. Knowing the things about insurance, having all necessary papers in order, and avoiding mistakes are enough to keep your insurance free from troubles. Therefore, staying informed and proactive will help you to ride stress-free, knowing that you are safe on the road.
