When you buy a new bike, you should first register it at your local Regional Transport Office (RTO). After the registration process, the bike is assigned a unique registration number, and the owner is issued a Registration Certificate (RC). This registration number is required by Indian law to drive a vehicle on Indian roads.
A bike’s registration number can also be used to obtain basic information such as the owner’s name, two-wheeler insurance details, the validity of its PUC certificate, and road tax details. If you’re wondering how to check your bike insurance details, then the right and quick way to do so is by the registration number, you’ve come to the right place. This article will explain how to do so.
But first, let’s define what a vehicle’s registration number is.
What is the registration number of the bike?
As previously stated, a bike’s registration number is a unique number assigned to it by the RTO where it is registered. This registration number serves as the vehicle’s identity card.
It allows traffic officers and the general public to learn about a vehicle’s basic information, such as its RTO, fitness status, insurance details, engine and chassis number, PUC details, and so on.
The basic format for a bike’s registration number in India is “AA 00 AA 0000”. The first two letters indicate the state where the bike is registered. The two-digit number that follows is the code of the RTO where the bike is registered. The following two letters indicate the RTO sequence, and the tracking four-digit number is the bike’s unique registration number.
It is essential to remember that the first six characters of two or more bikes can be the same, but the last four digits must always be different.
Purchasing a bike insurance policy:
You can only purchase bike insurance coverage if you have the registration number. An insurer must ask for the vehicle’s registration number when issuing a motor insurance policy. The policy document also includes the vehicle’s registration number, ensuring that the policy is given for this specific vehicle.
To renew your bicycle insurance policy.:
When you renew your bike insurance policy, you must enter your bike’s registration number into the insurer’s portal. The insurer obtains additional information about your bike, such as previous policy details, engine and chassis numbers, residential address, and so on. It provides you with premium quotes for renewal.
To make claims:
In an accident, you will need your bike’s registration details to file a claim with your bike insurance policy. You must submit your bike’s RC to the insurer for processing your claim. In the event of a third-party claim, you must provide the registration number of the vehicle involved in the collision.
To obtain your bike insurance information:
If you need help finding your bike insurance policy document, your bike’s registration number can assist you in retrieving your bike insurance information. This could happen if you get into an accident and want to file a claim on your bike insurance policy or if a traffic officer stops you and asks for your bike’s insurance information. You can buy bike insurance online or offline, depending upon your needs.
‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply