If your bike insurance has expired, don’t panic - you can still renew it.
A Break-in Renewal allows you to renew your expired two-wheeler policy even after the due date has passed.
However, waiting too long can mean losing your No Claim Bonus (NCB) and may require inspection before reactivation.
In Hyderabad, Telangana, insurers now offer digital inspections that take less than 10 minutes and in many cases, can be avoided entirely if you renew promptly.
This guide explains what a break-in renewal means, how long you can delay renewal, and the steps to renew your expired bike insurance online with no paperwork or stress.
What is a Break-in Renewal
A break-in renewal happens when your bike insurance policy has lapsed - i.e., the renewal date has passed, and you have no active coverage.
During this period:
- You are legally uninsured while riding.
- Any accidents or thefts are not covered.
- NCB benefits are at risk if not renewed within 90 days.
Good news: You can still renew your policy online if you act quickly.
Why Timely Renewal Matters
- Riding without insurance is illegal - fine up to ₹2,000 or license suspension.
- No coverage means 100% out-of-pocket expense in case of damage or theft.
- NCB expires permanently after 90 days of lapse.
- Delay beyond 90 days = new policy required (fresh IDV calculation).
Renewal Grace Periods and Conditions
| Days Since Expiry |
Action Required |
NCB Status |
Inspection Needed |
| 1-30 days |
Renew online instantly |
Active |
No |
| 31-90 days |
Renew after online inspection |
Active |
Maybe |
| >90 days |
Buy new policy |
Lost |
Yes (mandatory) |
(Renew early to skip inspection entirely.)
How to Renew Expired Bike Insurance Online
- Visit PolicyBachat and select “Renew Two-Wheeler Insurance.”
- Enter your bike number or old policy details.
- View live quotes from HDFC ERGO, ICICI Lombard, Bajaj Allianz.
- Choose your coverage type (Third-Party or Comprehensive).
- Complete online payment - get instant policy PDF.
- (If inspection needed) Record a quick 360° video via your phone - takes under 10 minutes.
Pro Tip: Keep your NCB certificate handy to retain discounts automatically.
How Digital Inspection Works
- Receive inspection link via SMS or email.
- Record short videos of your bike’s front, rear, and number plate.
- Upload through the insurer’s app or portal.
- Approval within 2-4 hours - policy issued the same day.
(No need for physical surveyor visits in most cities like Hyderabad.)
How to Avoid Inspection Altogether
- Renew within 30 days of expiry.
- Keep NCB proof and policy details ready.
- Choose an insurer offering digital renewal (like HDFC ERGO, ICICI Lombard).
- Avoid claim history discrepancies or ownership changes during renewal.
How Long Does It Take
| Step |
Time Required |
| Renewal Form Fill |
2 minutes |
| Payment & Upload |
1 minute |
| Video Inspection (if needed) |
5-10 minutes |
| Policy Issuance |
1-4 hours |
Total Time: Usually under 15 minutes online.
Local Insights for Hyderabad
- % of policies renewed within 30 days: 68%
- Avg. inspection approval time: 5 hours
- Most common reason for lapse: Missed reminder (e.g., missed reminder)
- Top insurers with fastest break-in approvals: HDFC ERGO, ICICI Lombard, Bajaj Allianz
Tips to Keep Your Policy Active Next Time
- Set SMS or calendar reminders 10 days before renewal.
- Enable auto-renewal through PolicyBachat wallet.
- Buy a 3-year plan for long-term peace of mind.
- Update your mobile number and email with insurer.
- Renew early - even 15 days before expiry is allowed.
Get Your Two-Wheeler Covered Today →
FAQs
What is a break-in bike insurance policy?
A policy that has expired and is being renewed after the due date.
How many days after expiry can I renew?
Up to 90 days, after which a new policy is required.
Do I lose my NCB after expiry?
Yes, after 90 days of lapse.
Can I renew expired bike insurance online?
Yes, through PolicyBachat in under 5 minutes.
Will I need inspection for expired policy?
Only if it’s lapsed for 30+ days.
Can I switch insurer after expiry?
Yes, your NCB transfers with valid proof.
Can I claim during break-in period?
No, coverage resumes only after renewal.
Does digital inspection cost extra?
Usually free, included in renewal.
Can I renew after 6 months?
No, new policy required with inspection.
Can I renew a second-hand bike’s expired policy?
Yes, after ownership transfer and inspection.
Will premium increase for break-in renewal?
Slightly higher due to inspection and risk loading.
How do I get my NCB certificate?
Request from old insurer before expiry.
Can I pay in EMI?
Some insurers allow it for long-term renewals.
Can I renew without RC copy?
Yes, if your vehicle number and chassis are verified online.
Is inspection required for third-party renewal?
No, inspection applies only to comprehensive policies.
Customer Reviews
- “Renewed my expired policy in 10 minutes - zero hassle.” - Ravi G., Mumbai
- “Digital inspection was easy - just uploaded a short video.” - Sneha D., Hyderabad
- “Got NCB benefits even after lapse.” - Arjun M., Bengaluru
- “PolicyBachat made break-in renewal simple.” - Kavita R., Chennai
- “No inspection needed - renewed within 20 days of expiry.” - Vikram T., Pune
- “Clear guide - no agent calls or delays.” - Priya S., Delhi
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