two wheeler insurance renewal online

Two Wheeler Insurance Renewal Online in India – Easy Guide for Delhi (January 2026)

Renewing your two-wheeler (bike/scooter) insurance online is quick, hassle-free, and paperless — often completed in 5–10 minutes with instant policy delivery via email/WhatsApp. In New Delhi (high-traffic zone with strict enforcement), timely renewal preserves your No Claim Bonus (NCB) (up to 50% discount), avoids fines (₹2,000+ for no insurance), and ensures continuous coverage.

Key Benefits of Online Renewal

• Compare quotes from 20+ insurers (e.g., HDFC ERGO, Bajaj Allianz, ICICI Lombard, Digit).
• Retain NCB if renewed within grace period (typically 30–90 days after expiry; some up to 120 days per recent IRDAI updates).
• Add useful add-ons like Zero Depreciation, Roadside Assistance, Engine Protect, or Consumables Cover.
• Save up to 80–85% via online discounts, NCB, and multi-year options.
• Cashless repairs at thousands of garages in Delhi/NCR (e.g., HDFC ERGO 7,000+, SBI 16,000+).
• Premiums start low (~₹457–₹1,000+ for third-party; comprehensive higher based on bike model/IDV).

Grace Period Note: Most insurers offer 30–90 days post-expiry to renew without losing NCB. Renew ASAP to avoid inspection or premium hikes.

Top Recommended Platforms for Online Renewal (2026)

Aggregators like Policybazaar and InsuranceDekho are best for comparing multiple options. Direct sites work well if staying with the same insurer.

1. Policybazaar — Fastest (renew in ~60 seconds), compare real-time quotes from top insurers, premiums starting ₹457*.
2. InsuranceDekho — Simple dashboard, quick OTP login, renew from ₹1.5/day equivalent.
3. HDFC ERGO — High CSR (~99–100%), easy direct renewal, strong Delhi network.
4. Digit / ACKO — Fully digital, fast claims, great for tech-savvy riders.

Step-by-Step Process to Renew Online (Via Aggregators like Policybazaar/InsuranceDekho)

1. Visit the site: Go to Policybazaar.com > Two-Wheeler Insurance > Renewal (or InsuranceDekho.com > Bike Insurance > Renew).
2. Enter details: Provide your bike registration number (e.g., DL- for Delhi), mobile number, and existing policy info (if same insurer).
3. Verify: Receive and enter OTP on your mobile.
4. View & Compare: See premiums from multiple insurers, check coverage (comprehensive vs. third-party), add-ons, and NCB benefits.
5. Customize: Keep/add Zero Dep, roadside assistance, etc. (recommended for bikes in Delhi traffic).
6. Pay securely: Use UPI, card, or net banking — get instant digital policy.

If Renewing with Same Insurer (Direct): Log in to the insurer’s site/app (e.g., hdfcergo.com), select “Renew,” enter reg/policy number, review, pay, and download.

Top Bike Insurance Companies for Renewal (Based on 2026 Data)

Focus on high Claim Settlement Ratio (CSR), network garages, and features:

• HDFC ERGO — CSR ~99–100%, 7,000+ garages — Best overall for reliability & fast claims.
• Bajaj Allianz/General — CSR ~98.5%, strong add-ons & value.
• Reliance General — CSR ~98.6%, wide network.
• Tata AIG — CSR ~98%, good for comprehensive plans.
• Digit — Digital-first, up to 80% discounts.

Pro Tip for Delhi Riders: Delhi traffic means frequent minor accidents — opt for comprehensive + Zero Dep add-on. For new bikes, consider 5-year long-term third-party (mandatory per rules). Always renew before expiry to maximize NCB.

Final Recommendation
Start with Policybazaar or InsuranceDekho for the easiest comparison and best deals — enter your reg number now for instant quotes! If your policy is from HDFC ERGO (top-rated), check their site for loyalty perks.