Renew Expired Bike Insurance

Steps for Expired Bike Insurance Renewal Online

Step 1: Visit the Official Website - Go to the official TATA AIG website and select the bike insurance.

Step 2: Enter Policy Details - Provide your expired policy number or bike registration number to retrieve your policy information. If your existing policy is with another provider, provide the bike registration number.

Step 3: Check Existing Plan Details - Click on “Renew” to review your previous plan details, add-ons, and coverage type.

Step 4: Customise Your Policy - Modify the Insured Declared Value (IDV), choose add-ons like Zero Depreciation or Roadside Assistance, and ensure the policy suits your needs.

Step 5: Undergo Vehicle Inspection (if required) - If your policy has expired for more than 90 days, the insurer may schedule a vehicle inspection before renewal.

Step 6: Make Online Payment - Pay the premium securely using credit/debit cards, UPI, or net banking to complete the expired bike insurance renewal online.

Step 7: Receive Policy Instantly - Once you complete the payment, you will receive the newly renewed policy document on your registered email ID.

Also read:** How to Renew a Bike Insurance Policy within the Policy Period
Steps for Offline Bike Insurance Renewal for Expired Policy

Step 1: Visit the Nearest TATA AIG Branch - Go to the nearest TATA AIG office or contact your insurance agent. Inform them about your insurance renewal for the bike after expiry.

Step 2: Submit Required Documents - Provide your expired policy number, bike registration certificate, and valid ID proof for verification.

Step 3: Vehicle Inspection - If your policy has been inactive for more than 90 days, a physical inspection of your bike may be conducted to assess its condition.

Step 4: Choose Add-ons and Coverage - If needed, select add-ons like Zero Depreciation or Roadside Assistance and finalise the coverage according to your preference.

Step 5: Pay and Receive Policy - Pay the premium amount and collect your renewed policy document from the branch or via email instantly.

• Previous Policy Document: Submit a copy of your expired bike insurance policy to help the insurer retrieve past details and coverage history.

• Registration Certificate (RC) of the Bike: Provide the RC book or smart card to verify your vehicle’s ownership and registration number.

• Identity Proof: Carry a valid ID such as Aadhaar Card, PAN Card, Voter ID, or Driving Licence for personal verification.

• Address Proof: Submit documents like Aadhaar Card, utility bill, or passport showing your current residential address.

• Vehicle Inspection Report: If the policy has expired for more than 90 days, an inspection report may be required before renewal.

Read more: How to Get the Details of Bike Insurance by Registration Number?

No Legal Validity on Roads

It is illegal to ride a bike without insurance in India. If you miss an insurance renewal for a bike after expiry, and are caught without valid insurance, you can face penalties and fines. You may also face legal action under the Motor Vehicles Act, 1988. Moreover, any penalties attracted are retained in your bike insurance history.

Loss of Financial Protection

Once your bike insurance expires, you lose coverage for accidents, theft, overheating, self-ignition, and natural disasters. Any damages or loss caused to the vehicle or injury caused to a third party after expiry must be paid entirely from your pocket. It increases your financial burden.

Loss of No-Claim Bonus (NCB)

When your bike insurance policy lapses for more than 90 days, your accumulated No-Claim Bonus is forfeited. Apart from not being insured, you lose the NCB discount you could have received during your next renewal.

Higher Premium Costs

If you fail to renew expired bike insurance after 90 days, you have to buy a new insurance policy altogether, which may result in higher premiums. You may lose access to loyalty discounts or special renewal offers that were available with continuous coverage.

Break in Coverage History

A lapsed policy creates a gap in your insurance record. This affects your claim history and can make it harder to get favourable terms with insurers in the future.

Risk of Claim Rejection

If you miss the insurance renewal for the bike after expiry, and an accident occurs during the lapse period, your insurer will reject the claim entirely. You remain solely responsible for all expenses, including third-party liabilities and repair costs.

Mandatory Vehicle Inspection

Once your bike insurance policy expires, most insurers may ask for a physical inspection of the vehicle before approving the renewal. This process may delay the renewal process and increase your premium if damages are found.

• Set Renewal Reminders: Set digital reminders before your policy expiry date. Timely alerts help you renew without missing the deadline.

• Renew Bike Insurance Online: Opt for bike insurance online renewal for convenience. You can review, customise, and renew your policy anytime without visiting a branch.

• Enable Auto-Renewal: If you tend to forget dates, setting up auto-renewal can save you the trouble. It keeps your policy active, even if the renewal deadline slips your mind.

• Keep an Eye on Expiry Dates: Make it a habit to check bike insurance expiry date online and then use your insurer’s app or website. A quick check can spare you last-minute panic.

• Renew Before Grace Period Ends: Renew bike insurance policy immediately within the grace period to prevent policy lapse or inspection delays.

• Buy Long-Term Policies: When you buy two-wheeler insurance, consider multi-year plans. They offer continuous protection, save time, and reduce the risk of accidental lapses in renewal.

• Use Your Insurer’s Mobile App: Download and use the TATA AIG app to manage your policy, renewal alerts, quick access to documents, and one-tap payment options. It is a handy way to track expiry dates and renew your bike insurance online without delays.

• Step 1: Visit the TATA AIG Website - Go to the official TATA AIG website and navigate to the bike insurance section.

• Step 2: Click on “Renew Policy” - Select the option that allows you to view your policy details or expiry date.

• Step 3: Enter Required Information - Provide your bike registration number or bike insurance policy number.

• Step 4: View Policy Expiry Date - The screen will display your current policy status, including the expiry date and renewal options.

• Step 5: Download or Renew - You can download your policy document or directly proceed to renew your bike insurance online from the same page.

• Quick and Convenient Process: Renewing your expired bike insurance online saves time and effort. You can complete the process anytime from your phone or laptop without visiting a branch or submitting lengthy paperwork.

• Instant Policy Issuance: Online renewals ensure immediate policy activation. Once the payment is made, the renewed policy document is instantly emailed to you, ensuring continuous coverage.

• Easy Comparison of Plans: When you renew online, you can compare various coverage options, premiums, and add-ons. This helps you choose the most suitable plan for your bike and budget.

• Simple Add-on Selection: You can easily add or remove covers such as Zero Depreciation, Roadside Assistance, or Personal Accident Cover with just a few clicks.

• Secure Digital Payments: TATA AIG’s online platform ensures 100% secure transactions through trusted payment gateways like UPI, credit/debit cards, or net banking.

• No Agent Dependency: Renewing online eliminates middlemen or agent commissions. It allows you to directly manage and customise your policy as per your needs.

• Hassle-free Record Access: All policy documents and receipts are stored digitally, which makes it easy to retrieve, download, or print them anytime for future reference.

Also Read: Bike Insurance Premium Calculator

Renewing your bike insurance within the policy period ensures uninterrupted financial protection against accidents, theft, and natural calamities. When you buy two-wheeler insurance, it safeguards you from heavy repair costs and third-party liabilities that may arise unexpectedly on the road.

A lapse in renewal leaves your vehicle uninsured, exposing you to significant financial risks and legal penalties under the Motor Vehicles Act. Timely renewal also helps you retain valuable benefits like the No-Claim Bonus (NCB), which offers premium discounts for claim-free years.

Delaying renewal for more than 90 days can result in the permanent loss of this benefit. Moreover, insurers may require vehicle inspection for expired policies, leading to higher premiums or limited coverage options. Renewing your policy on time ensures continuous protection for your bike.

Also Read: How to File a Two Wheeler Insurance Accident Claim

Review Your Current Policy

Before renewal, check your policy details, including coverage type, premium, and add-ons. Think about whether your current policy gives you enough coverage. You may switch to a comprehensive bike insurance plan for better coverage.

Compare Plans Online

Renewing bike insurance online allows you to compare various policies, coverages, premiums, and features in minutes. Look for benefits like zero depreciation, roadside assistance, and cashless repair network options.

Retain Your No-Claim Bonus (NCB)

Renew your policy within 90 days of expiry to retain your NCB benefits. Delaying beyond this period can result in losing the accumulated discount on your premium.

Check IDV and Coverage Options

When you buy two-wheeler insurance, ensure the Insured Declared Value (IDV) reflects your bike’s current market value. A balanced IDV ensures fair compensation in case of total loss or theft.

Renew Before Expiry

Do not wait for your policy to lapse, as insurance renewal for bike after expiry can be time-consuming and may require a vehicle inspection. Timely renewal ensures continuous protection and stress-free rides.

Ensure Correct Personal and Vehicle Details

Verify all the details of your bike insurance policy, such as registration number, engine, and chassis numbers, during the policy renewal. Ensuring correct information will help you avoid claim disputes later.

• Return to Invoice (RTI): In case of total loss or theft, this cover bridges the gap between the insured value and the bike’s original invoice price. It also includes road tax and registration charges.

• Depreciation Allowance: When you raise a claim under your own damage cover, this add-on ensures you are not penalised for depreciation on replaced parts. It leads to a higher claim payout.

• Consumable Expenses Cover: Covers the cost of consumables like oil, nuts, and bolts after an accident. Valid only if repairs are done at authorised garages under a valid own damage claim.

• Emergency Medical Expenses: If you or your pillion is injured in an accident, this cover reimburses ambulance charges and hospital bills, provided the treatment is linked to the incident.

• Roadside Assistance: Have you ever been stuck with a flat tyre or a dead battery? This add-on gets you help on the spot, be it towing, fuel delivery, or even retrieving misplaced keys, so you are never stranded for long.

• Engine Secure: If you live in an area where heavy rains or waterlogged roads are common, this cover can be a great add-on. It shields you from expensive engine repairs caused by water damage or accidental oil leakage.

• Electric Surge Secure: Ideal for electric bikes. Covers electrical damage during charging due to short circuits or water exposure.

• Battery Depreciation Cover: Reimburses the depreciation amount if the battery is damaged in an accident-related incident.

• Tyre and Rim Secure: Covers the repair or replacement of tyres and rims damaged due to potholes or road impact. Labour and consumable costs are also included.

Please note: These add-ons are available only with your own damage or comprehensive bike insurance. They are not applicable to third-party bike insurance plans.

Missing your bike insurance renewal can lead to legal trouble and unexpected expenses. At TATA AIG, we help you avoid that stress with a simple, secure process to buy bike insurance online, even after expiry.

Whether you missed the deadline or your policy lapsed for over 90 days, we offer flexible steps to help you get back on track. You can explore our website to compare plans, choose relevant add-ons, and even retain your No-Claim Bonus when you renew on time.

With our intuitive system, you can buy two-wheeler insurance from the comfort of your home - no long queues, no paperwork. You can also choose a comprehensive bike insurance plan for broader coverage.

Ready to ride protected again? Buy bike insurance or renew your plan now with TATA AIG and enjoy complete protection, anywhere you go.