In India, vehicle owners must have a valid insurance policy. This includes bike owners as well. In fact, bike insurance is often considered more crucial than car insurance, given the higher vulnerability of two-wheelers to accidents on Indian roads. However, despite the legal requirement and general awareness, many bike owners face issues with their insurance policies. One such common issue is the discrepancy between an active bike insurance policy and its status on the Vahan portal. In this article, we will discuss the reasons behind this problem and ways to resolve it.
Firstly, let us understand what the Vahan portal is. Vahan, short for Vehicle and Registration, is an online portal created by the Ministry of Road Transport and Highways (MoRTH) in collaboration with the National Informatics Centre (NIC). The portal serves as a central database of all registered vehicles in India. It allows vehicle owners to access their vehicle registration certificate (RC) and insurance details online, eliminating the need for physical documents. The Vahan portal aims to streamline the vehicle registration and insurance process and reduce corruption, fraud and delays in issuing documents.
Causes for active bike insurance appearing as expired on Vahan portal
Now, coming to the problem of active bike insurance showing as expired on the Vahan portal, there could be multiple reasons why this happens. Let us look at some of the possible causes:
1. Time lag in updating information:
One common issue with the Vahan portal is that there is often a delay in updating information. This could be due to technical glitches or human error. For instance, if a bike owner renews his insurance policy online and receives a confirmation from the insurer, it may take some time for the updated status to reflect on the Vahan portal. During this gap period, the portal may continue to show the old policy status, i.e., expired. This can be confusing for both the bike owner and the traffic police, who may assume that the owner has violated the law by not renewing the insurance.
2. Incorrect entry of information:
Another possible reason for the discrepancy between active bike insurance and its status on the Vahan portal is incorrect entry of information. When the insurance details are uploaded on the portal, there is a chance that the data may not match with the actual policy number, insurer name, validity period and other relevant details. This could happen due to errors in manual data entry or miscommunication between the insurer and the portal authorities. In such cases, the bike owner must contact the portal customer care or the insurer to rectify the mistake and update the correct details.
3. Lapse in policy renewal:
A more serious reason why active bike insurance shows as expired on the Vahan portal is when the policy has actually lapsed. This means that the bike owner failed to renew the policy on time and let it expire. In such cases, the insurance cover becomes invalid, and the owner is liable for penalties and legal action. When the owner tries to check the insurance status on the Vahan portal, it will naturally show as expired. The only way to resolve this issue is to renew the policy immediately and pay the necessary fees and penalties, if any.
Now that we have understood the reasons behind the problem of active bike insurance showing as expired on the Vahan portal, let us look at some ways to resolve it.
1. Wait for the portal to update:
As mentioned earlier, one common reason for the discrepancy is the time lag in updating information on the Vahan portal. In such cases, the bike owner can wait for a few days or a week for the portal to reflect the correct status of the insurance policy. This is especially true for cases where the owner has recently renewed the policy and has received a confirmation from the insurer. However, it is advisable to keep a physical copy of the updated policy document with oneself in case of any inspection by the traffic police.
2. Check the insurer’s website:
To get a more accurate and real-time status of the bike insurance policy, the bike owner can check bike insurance from insurer’s website or customer care. Most insurance companies have an online portal or mobile app that allows the policyholder to check the validity, premium payment, renewal, claim history, and other details. By logging in to the insurer’s website or calling the customer care, the bike owner can confirm the status of the policy and cross-check the information with the Vahan portal.
3. Rectify errors in data:
In cases where the discrepancy is due to incorrect data entry, the bike owner must approach the insurer or the Vahan portal customer care and provide the correct information. The owner must have the policy document handy and verify the policy number, insurer name, premium amount, validity period, and other details. Once the correct data is input, the Vahan portal will update the status of the insurance policy accordingly.
4. Renew the policy if lapsed:
If the bike owner finds that the insurance policy has actually lapsed and is showing as expired on the Vahan portal, the only solution is to renew the policy immediately. The owner must contact the insurance company or agent and get the policy renewed by paying the premium and any penalty charges. Once the policy is renewed and the insurer uploads the updated information on the Vahan portal, the status will change to active.
In conclusion, the problem of active bike insurance showing as expired on the Vahan portal is a common issue that can cause confusion and inconvenience to bike owners and the traffic police. While there could be multiple reasons why this happens, such as time lag, incorrect data entry, or policy lapse, there are also multiple ways to resolve it. Bike owners must ensure that they have a valid and updated insurance policy at all times, and check the policy status regularly on both the Vahan portal and the insurer’s website. By following these basic steps, bike owners can avoid unnecessary hassles and penalties and ensure their own safety on the road.