What Happens If You Don't Renew Bike Insurance?

If you are using your bike every day and are constantly on the road, it would not be wise to move around without an insurance policy. This particular document is as important as PUC or the registration book. So, if you intend to move around on a regular basis with the bike, do not do it without active insurance. You would end up paying a hefty fine or bear the expenses alone if there is an unfortunate event.

Also, many people buy motor insurance and fail to pay premiums on a regular basis. This can result in a lapse of an insurance policy. Hence, it is poignant to renew to avoid any inconvenience.

Below are some situations you would go through if you don't renew your bike insurance on time:


  • You may ride a bike to get adrenaline rush or to commute to your workplace easily. But, do you know that most accidents happen while riding a bike. Bike accidents are unpredictable. Hence, you need to brace yourself against such mishaps by renewing your insurance on time. If your bike meets with an accident when the policy has lapsed or post-expiration, you will have to bear all the damage expenses, as well as medical costs for bodily injuries.
  • Not just that, if you ever get caught without an insurance policy, you will have to pay a hefty fine and are punishable under the law. The Motor Act has made it regulatory that one must have third-party insurance, else you would face a penalty for riding without insurance.
  • Remember how we always stress the benefits of no claim bonus and how it rewards you. Well, if your insurance policy gets lapsed or you do not renew it in the stipulated time you lose the no claim benefit (if any) that was associated with your insurance policy. This way you also No Claim Benefit as high as 50% that you would have been otherwise eligible for.
  • You will be charged fine for a late fee, and your services may be terminated. It is better to be safe than sorry, so do not take the risk and get your bike insured if you are without one.
  • The process of retaining a lapsed policy is long and tedious. It requires a lot of paperwork and turns out to be time-consuming. For some people, it can be like getting a new policy. That is why never allow yourself to reach that stage as it is more hectic and more stress-inducing. 


Any insurance company will get in touch with you long before your renewal is due. They send every form of communication to ensure that you don't miss out on anything. In spite of all reminders, if you still miss, it is a lag from your end. If you think you won't be able to renew it every year, get a long duration two-wheeler policy and avoid policy relapse. 

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