Bike insurance renewal doesn’t have to be time-consuming, confusing, or filled with paperwork anymore. Thanks to digital platforms, renewing your two-wheeler insurance now takes less time than brewing your morning coffee.
Why Renew Your Bike Insurance Online?
Renewing bike insurance online offers major benefits over offline or agent-assisted methods. Here’s why more people are choosing the digital route:
- ✅ Fast and paperless process
- ✅ Compare policies instantly
- ✅ No agent commission
- ✅ Instant policy issuance
- ✅ Transparent premium structure
- ✅ Exclusive online discounts
Documents Required for Online Renewal
Although it’s mostly paperless, you should keep these details ready:
- Bike registration number (e.g., MH12AB1234)
- Previous policy number
- Personal details (name, DOB, contact)
- Vehicle details (make, model, year)
- No Claim Bonus (NCB) percentage if applicable
How to Renew Bike Insurance Online in 5 Minutes
1. Go to a Trusted Platform
You can choose insurer websites (like ACKO, Digit, HDFC ERGO) or insurance aggregators (like Policybazaar, RenewBuy). Use only IRDAI-approved portals.
Why ACKO Is a Top Choice for Online Renewals
If speed, convenience, and affordability are your top priorities, ACKO stands out as one of the most trusted digital insurers in India.
ACKO is a licensed general insurance company (IRDAI Registration No: 157) with over 50 million unique users. They’ve issued more than 60 crore insurance policies, covering everything from bike and car insurance to health and mobile protection plans.
What sets ACKO apart is their 100% digital, zero-paperwork experience, making it incredibly easy to renew your bike insurance in just a few clicks.
They’ve also partnered with major Indian brands like Amazon, Ola, MakeMyTrip, Zomato, OYO, and RedBus to offer custom insurance plans — including mobile screen protection, ride insurance, and more.
Renew Your Bike Insurance Instantly on ACKO →
2. Enter Your Vehicle Details
- Input your bike’s registration number
- Select renewal type (existing or expired policy)
- Confirm vehicle make, model, fuel type, and registration year
3. Review Your Coverage
Choose between:
- Third-Party Insurance (mandatory, covers others)
- Comprehensive Insurance (includes own damage + third-party)
💡 Tip: Add-ons like Zero Depreciation, NCB Protection, or Roadside Assistance can enhance your coverage without a big price jump.
4. Apply NCB and Review Premium
If you didn’t make any claims last year, apply your No Claim Bonus — it can save up to 50% on your premium.
5. Make Payment Securely
Pay via UPI, credit/debit card, net banking, or wallets. You’ll receive the renewed policy instantly via email.
That’s it. Your policy is renewed — all within 5 minutes.
Pros and Cons of Renewing Bike Insurance Online
| Pros | Cons |
|---|---|
| Instant renewal in under 5 minutes | Requires stable internet connection |
| No paperwork or agent needed | May confuse first-time buyers |
| Easy comparison of multiple insurers | Add-on features can be overwhelming |
| Exclusive online discounts | Risk of choosing wrong IDV or add-ons |
| Digital policy sent immediately | Harder to negotiate than with agents |
What If Your Bike Insurance Has Already Expired?
If your policy has lapsed:
- You can still renew it online within the grace period (usually 30–90 days).
- You may lose your NCB if not renewed within that period.
- After the grace period, vehicle inspection may be required.
👉 Read more about this in our detailed guide:
Acko Two Wheeler Insurance: 2025’s Most Reliable Choice
Pro Tips to Save on Bike Insurance Renewal
- Always compare policies — Don’t auto-renew without checking better deals.
- Use NCB wisely — Transfer your NCB even if switching insurers.
- Go for multi-year policies — Lock premium rates and skip annual renewals.
- Select add-ons smartly — Only choose what you’ll actually use.
- Watch for coupons — Aggregators often provide discount codes or cashback.
Recommended Platforms to Renew Bike Insurance
Here are a few trusted, IRDAI-licensed platforms where you can renew quickly and safely:
✅ ACKO
- Fully digital and paperless
- No middlemen, low premiums
- Backed by 50M+ users and 60 crore+ policies sold
🔗 Renew on ACKO →
✅ Digit Insurance
- Quick UI, adjustable IDV
- Flexible comprehensive plans
✅ Policybazaar
- Aggregates multiple insurers
- Best for comparisons
| Bike | Plan Type | Add-ons | NCB | Approx. Premium |
|---|---|---|---|---|
| Hero Splendor Plus (2021) | Comprehensive | Zero Dep + RSA | 20% | ₹1,650 |
| Bajaj Pulsar 150 (2020) | Third Party | None | N/A | ₹860 |
| Honda Activa 6G (2022) | Comprehensive | None | 0% | ₹1,900 |
Note: Rates vary based on location, IDV, and insurer.
FAQs of Bike Insurance Renewal
❓ Is bike insurance renewal mandatory?
Yes. Indian law requires valid third-party insurance for all motor vehicles. Riding without insurance can lead to fines or license suspension.
❓ Can I renew after policy expiry?
Yes, but if the grace period has passed, you might need a vehicle inspection and could lose your NCB.
❓ Will I get a physical copy?
You’ll receive a soft copy by email immediately. A printed version is optional.
❓ Can I switch insurers during renewal?
Absolutely. You can switch insurers and retain your NCB by providing the right documentation.
Don’t Delay Your Bike Insurance Renewal
If your bike insurance is expiring soon or already has, renew it online now — in just 5 minutes. It’s quick, convenient, and cost-effective.
By opting for an online bike insurance renewal, you not only save time but also get the opportunity to compare quotes, customize your coverage, and avoid hefty penalties for letting your policy lapse.
Don’t wait for the reminder — take control of your two-wheeler’s protection today. A smooth ride begins with a valid policy.
👉 Click here to Renew Bike Insurance on ACKO →
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This post contains affiliate links. If you click and make a purchase, we may earn a small commission at no extra cost to you. This helps us continue creating helpful content for readers like you. We only recommend platforms we trust — like ACKO, Digit, and Policybazaar.
