Renew Two-Wheeler Insurance Online - Keep Your NCB & Avoid Fines

Renewing your bike insurance on time is as important as wearing a helmet while riding - it’s what keeps you and your wallet safe.

Every day, thousands of riders, risk penalties, NCB loss, or even denied claims simply because they forgot to renew their policy on time.

With PolicyBachat, you can renew your two-wheeler insurance online in minutes, retain your No Claim Bonus (NCB), and avoid any gap in coverage.

This guide explains how the bike insurance renewal process works, what happens if your policy expires, and how you can renew instantly without inspection or paperwork.

Why You Must Renew On Time

1 Riding uninsured can lead to fines up to ₹2,000 or license suspension.
2 An expired policy means no claim coverage until renewed.
3 NCB (No Claim Bonus) resets to 0% if not renewed within 90 days.
4 Renewing on time avoids inspection or break-in premium loadings.
5 Digital renewal takes less than 3 minutes - no agent required.

What You Need for Online Renewal

Old policy number or expired policy details.
Bike registration number (RC).
Your city and RTO details.
Preferred insurer and add-ons (if applicable).
Digital payment method (UPI, debit/credit card, or net banking).

How to Renew Two-Wheeler Insurance Online

1 Visit PolicyBachat and select “Renew Two-Wheeler Insurance.”
2 Enter your bike registration number or old policy number.
3 Compare quotes from top insurers like TATA AIA, Kotak General Insurance, and Oriental Insurance.
4 Customize IDV, add-ons, and coverage.
5 Pay online - receive e-policy instantly in your inbox.

Pro Tip: You can renew up to 45 days before expiry to ensure continuous NCB protection.

What Happens if your Policy Expires

Expiry Duration	Action Required	Impact
<30 days	Renew instantly online	NCB intact, no inspection
30–90 days	Inspection may be required	NCB valid, slight delay
>90 days	New policy needed	NCB lost, full premium reset

Keeping Your NCB Safe

No Claim Bonus (NCB) rewards you for every claim-free year.

Claim-Free Years	NCB Discount
1	20%
2	25%
3	35%
4	45%
5+	50%

Tips to Retain NCB:

Avoid claiming for minor repairs under ₹2,000.
Renew before 90 days of expiry.
Use the NCB Protect Add-on to safeguard bonus even after one claim.
Transfer NCB if switching insurers - certificate valid up to 3 years.

Add-Ons to Include During Renewal

Zero Depreciation: Get full claim value for replaced parts.
Roadside Assistance: 24×7 towing and repair support.
Engine Protect: Covers engine damage due to oil or water ingress.
NCB Protect: Retain your accumulated bonus after small claims.
Personal Accident Cover: ₹15 lakh owner-driver cover (mandatory).

Advantages of Comparing Before Buying

Transparent pricing with no hidden costs.
Instant access to multiple insurers.
See how add-ons affect total premium.
Find insurer-specific benefits (e.g., free RSA).
Choose the right balance between price and protection.

Local Insights

Avg. policy lapse duration: 45 days.
% of renewals completed online: 78%.
Top insurers with fastest renewal approval: TATA AIA, ICICI Lombard, Bajaj Allianz.
Most renewed models: Activa 6G, Splendor Plus, Pulsar 150.

How Policybachat Helps you Compare Smartly

Real-time premium quotes from 20+ insurers.
Auto-calculated IDV based on your RTO.
Side-by-side comparison of claim ratios.
Add-on bundling for better discounts.
Digital policy issue with zero paperwork.

How Policybachat makes Renewal Easy

Real-time NCB tracking and transfer.
Digital policy issued instantly - no documents required.
Automatic renewal reminders before expiry.
Integration with 20+ top insurers for faster comparison.
Break-in inspection assistance (for lapsed policies).

Mistakes To Avoid

1 Waiting till the last day - avoid rush renewals.
2 Forgetting to include add-ons at renewal.
3 Entering wrong policy or vehicle number.
4 Ignoring claim ratio when switching insurer.
5 Not checking if PA cover is active.

Frequently Asked Questions

Can I renew my bike insurance after expiry?

Yes, within 90 days; beyond that, NCB resets to zero.

Is physical inspection needed for renewal?

Only for expired policies.

Can I change insurer during renewal?

Yes, your NCB transfers automatically.

Does renewal premium increase yearly?

Slightly, depending on bike age and insurer.

What is the penalty for expired bike insurance?

₹2,000 fine and possible license suspension.

Can I renew bike insurance early?

Yes, up to 45 days before expiry.

How to renew bike insurance online?

Enter details, compare quotes, pay online, and get e-policy instantly.

Does renewal reset my policy number?

Usually yes - new policy number issued by insurer.

Can I keep same add-ons during renewal?

Yes, just reselect them before payment.

Does renewal affect claim history?

No, previous claims remain part of your record.

Can I upgrade from third-party to comprehensive at renewal?

Yes, you can easily switch during renewal.

Can I renew for multiple years?

Yes, multi-year bike insurance options are available.

Do I get hard copy of policy?

Optional - e-policy is legally valid.

Can I renew a second-hand bike policy?

Yes, after ownership transfer.

Does renewal include inspection fee?

Only for expired policies needing survey.

Customer Reviews

“Renewed my bike insurance in 2 minutes - super fast.”

Ravi G., Mumbai

“Kept my NCB even after switching insurers.”

Sneha D., Bengaluru

“Inspection done online - got policy same day.”

Arjun M., Hyderabad

“Transparent comparison, no agent pressure.”

Kavita R., Pune

“Break-in renewal worked perfectly after 60-day lapse.”

Vikram T., Delhi

“Got all add-ons reactivated easily.”

Priya S., Chennai

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