TVS is one of India’s most trusted and well-known motorcycle brands, known for its reliable and stylish bikes. From the popular TVS Apache series to the efficient TVS Jupiter scooters, the brand offers a wide range of vehicles designed to meet the needs of various riders. Whether you’re a daily commuter or someone who enjoys weekend rides, a TVS bike ensures a smooth and enjoyable experience on the road.
When it comes to keeping your bike protected, renewing your TVS bike insurance policy is an important step. With the option to renew online 2 wheeler insurance, the process has become straightforward and quick. You can now easily renew your policy from the comfort of your home, ensuring your TVS bike stays insured without any hassle. Here’s a guide to help you understand how to renew your TVS bike insurance online.
Why Timely Renewal of Your TVS Bike Insurance Matters?
Riding without valid insurance is not only risky but also illegal. As per the Motor Vehicles Act, 1988, every two-wheeler on Indian roads must be covered by at least a third-party liability insurance policy.
When you delay or skip your bike insurance renewal, you risk:
● Losing your No Claim Bonus (NCB)
● Legal penalties and fines
● Out-of-pocket expenses for accidents, theft, or natural calamities
Also, if your TVS bike is involved in an accident during a lapsed policy period, the insurer holds no liability. That’s why it’s crucial to renew your insurance before the due date.
Steps to Renew Your TVS Bike Insurance Policy Online
The renewal process has become effortless thanks to digital platforms. Here’s how you can renew your TVS insurance online in just five easy steps:
Step 1: Visit the Official Website
Go to the official website of your insurer. Look for the ‘Renew Bike Insurance’ section. Most insurers now have mobile-friendly websites and apps for easy access.
Step 2: Enter Your Vehicle Details
Enter your TVS bike’s registration number. If you’re renewing your policy with the same insurer, the existing policy details will be fetched automatically.
Step 3: Fill in Required Information
Provide details like your policy number (if applicable), previous claims (if any), and personal details. You may also be asked to update the Insured Declared Value (IDV).
Step 4: Choose the Coverage Type and Add-ons
You can choose from:
● Third-party insurance – Mandatory by law
● Comprehensive insurance – Includes third-party plus own damage coverage
Additionally, you can customise your plan with useful add-ons like:
● Zero Depreciation
● Return-to-Invoice
● Roadside Assistance
● Consumables Cover
The comprehensive cover provides financial protection against accidents, theft, natural disasters, and man-made events.
Step 5: Make Payment and Download the Policy
Once you’ve reviewed the details and premium quote, proceed to payment. You’ll receive the renewed policy instantly via email and can also download it as a soft copy.
Benefits of Renewing Your TVS Insurance Online
Renewing your online 2 wheeler insurance isn’t just about convenience. It comes with a list of benefits that traditional methods can’t offer.
1. Paperless and Quick Process
No documents, no queues—just a simple, digital experience from start to finish.
2. Instant Policy Issuance
Once the premium is paid, your renewed insurance document is delivered to your inbox immediately.
3. Easy Access to Add-ons
Customise your plan as per your TVS bike’s usage and age. Add-ons like Emergency Medical Expenses or Additional PA Cover give you extra security.
4. Preserve Your No Claim Bonus
Renewing on time ensures your accumulated NCB stays intact, giving you up to 50% discount on the Own Damage premium component over time. With platforms like TATA AIG, your NCB can be transferred, even if you change insurers or upgrade to a new TVS model, offering added flexibility. NCB is applicable only if no claims were made in the previous policy term.
5. Accurate Premium Calculation
Use an online premium calculator to estimate your exact cost. You can modify IDV, add-ons, and deductible values to adjust your premium accordingly.
What Happens If You Miss the Renewal Deadline?
If your TVS bike insurance has expired, don’t panic. Many platforms like TATA AIG offer a Grace Period of up to 90 days. During this time, you can still renew your policy without losing the NCB. However, after this period, you may:
● Lose your NCB
● Be required to undergo bike inspection
● End up paying a higher premium
Always aim to renew your policy before the due date to avoid these hassles.
What Coverage Can You Expect?
Here’s a quick summary of what your renewed TVS insurance policy will cover under a comprehensive plan:
Coverage Type Inclusions
Own Damage Cover Accidents, fire, theft, natural and man-made disasters
Third-party Liability Injury or damage to another person or property
Personal Accident Cover Up to Rs.15 lakhs for owner-driver
Add-ons Optional but helpful (e.g., Zero Depreciation, Medical Reimbursement, etc )
As per the insurer’s policy wordings, riding under the influence of alcohol or outside India’s geographical limits will void your coverage.
Tips to Save on TVS Bike Insurance Renewal
Want to reduce your premium without compromising coverage? Try these smart tips:
1. Avoid Small Claims
Don’t file small claims that can reset your NCB.
2. Choose a Higher Deductible
Opting for a voluntary deductible can lower your premium.
3. Install ARAI-Certified Safety Devices
Burglar alarms or anti-theft locks can fetch you additional discounts.
4. Renew Online
Online renewals often come with exclusive web discounts.
5. Be Honest About Usage
Declaring your bike for private use rather than commercial can reduce your premium.
Important Exclusions to Keep in Mind
Your renewed policy won’t cover everything. Be aware of the exclusions:
● Normal wear and tear
● Mechanical or electrical breakdowns
● Damage during illegal activity or racing
● Riding without a valid license or helmet
● Use of bike outside the specified coverage region
The practice of renewing your TVS insurance brings equal importance to wearing a helmet because it represents your main defensive tool when driving. Online 2-wheeler insurance simplifies all aspects of policy maintenance due to its recent adoption by the market.
The renewal process of your insurance policy at the right time gives you essential defense from such benefits as No Claim Bonus protection and quick cashless maintenance alongside theft and disaster security.Keep your policy active since waiting for it to expire should never be an option. Spend merely five minutes to log in and click renew on your TVS insurance so you can confidently continue your journeys.
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