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How To Buy Bike Insurance Without Inspection?

Team AckoJan 17, 2024

With bike insurance, the insurer makes you a promise of financial back-up if you face bike-related damage. The insurer will pay your repair bill or compensation (depending upon the policy terms) on your behalf. Considering this, the insurer must note as much information about the bike as possible through inspection. But, there may be a time when you don’t want the insurance company to inspect your bike. One of the reasons could be the lack of time to carry out the inspection before policy expiry. If that’s the case, here is an article to help you buy bike insurance without an inspection.


But first, let’s understand what a bike insurance inspection is.



What is bike inspection?

Bike inspection is understanding the current state of the bike. Insurers note every minute detail — every scratch, dent, state of the parts, etc. during an inspection. A surveyor is responsible for inspecting your bike and sending a detailed report to the insurance company. 

 The insurer can accept or reject the bike insurance proposal based on the inspection report from the surveyor. Usually, an insurance proposal is rejected for bikes that have recently met with a major accident or are very old and in a bad state.

How can you buy bike insurance without inspection?

An insurance company decides whether to carry out an inspection before issuing an insurance policy or not. At ACKO, we do not inspect the bike before issuing a bike insurance policy. We use factors like brand, age, bike model, etc. to decide if we want to insure the bike. Our customer-first policy allows us to give you the benefit of doubt.

Buying ACKO bike insurance is a quick process. Answer a few basic questions, choose your bike insurance plan, and make payment. We will send your bike insurance policy within a few minutes. Yes, it is that quick.

Steps for buying bike insurance without inspection from ACKO

Here is a list of steps to guide you during the purchase.

 Step 1: Note important details about the bike and then begin with the purchase.

Step 2: Go to ACKO’s bike insurance page and enter the registration details of the bike. Proceed to answer details about the bike and previous policy (if applicable). 

Note: After you enter all the necessary information, we will display a list of the most suitable insurance plans for your bike.

 If you are buying a Comprehensive Bike Insurance Policy, then you will see an option to adjust the IDV (Insured Declared Value). It is the approximate current market value of the bike.

 Choose the IDV carefully as increasing the value will increase the premium. On the other hand, decreasing the IDV may cause a loss in case of a major claim (for example, total loss or theft).

 Step 3: Choose the bike insurance plan and make payment.

 You can check the inbox of your registered email ID for the policy document. You also have an option to download the policy from your ACKO account. Print the document if required and carry a copy while riding the bike. ACKO is an IRDAI (Insurance Regulatory and Development Authority of India) registered insurance company so the authorities will accept the policy document.

The role of inspection in bike insurance claims

After a claim, we need to take a look at the bike and note down the extent of the damage. We process the claim based on the inspection report. Inspection before buying bike insurance and after raising a claim are two different things. Do not get confused between these two types of bike inspections.

ACKO will inspect the bike when you raise a claim. Take pictures of the damage, upload them with the claim and we will help you understand the coverages and exclusions of the policy. 

At ACKO we offer instant claim settlement for minor bike damages. For example, say the mirror of your parked bike got hit by a speeding car. You can quickly log in to your ACKO profile and raise a claim. You are likely to receive the claim amount within a few hours. Then take the bike to your favourite garage and use the claim amount to repair the damage.

Why renew bike insurance before expiry when ACKO has a no-inspection (before purchase) policy?

There are many ways in which you could lose benefits if you don’t renew your bike insurance on time. Inspection is not the only factor that makes insurance renewal time-sensitive. Here are some facts that will help you understand the importance of renewing bike insurance on time.

1. The bike owner is not covered during the grace period

The grace period begins after the bike insurance policy expires. If you renew the policy within the grace period, then you will not lose the benefits such as No Claim Bonus. Also, you don’t have to buy a fresh policy when you renew during this time.

On the other hand, you do not get any insurance benefits after the expiry date. Once the policy expires, you cannot raise a claim for damage that occurred after expiry. Thus, you expose yourself to financial liabilities related to the bike. Even during the grace period.

2. Traffic fines and challans

Buying insurance is necessary as per the law. You cannot ride a bike with no valid insurance policy. When you ride with an expired policy, it is as good as not having bike insurance at all. Thus, you need to pay a fine for riding the bike illegally.

3. No Claim Bonus expires

If you fail to renew the bike insurance policy within 90 days of expiry then you will lose the No Claim Bonus (NCB). NCB is a discount on premium for not raising claims. It is applicable on Comprehensive Bike Insurance Plans. As the discount can rise to 50% of the Own Damage premium (damage to your bike), you would pay a higher premium for policy renewals.

Renewing bike insurance on time is as important as buying a bike insurance policy in the first place. Failing to do so will expose you to many financial liabilities.


Being transparent about the condition of the bike and sharing all necessary details will help you get the best insurance plan. It also avoids claim rejection and related disappointment of a financial loss. At ACKO, you can buy bike insurance in a matter of a few minutes, but try to avoid last minute renewals. This can prove to be counterproductive during claims. Allow your insurer time to access the damage in case of an accident to calculate the maximum claim amount.

Frequently asked questions

Here are a few common questions about bike insurance and inspection. You can write to us at [email protected] if you have more questions about the topic.

Is inspection required for bike insurance?


The bike insurance company decides if they want to inspect the bike before you buy insurance from them. At ACKO, we do not carry out bike inspections before you buy the policy from us.

Is an inspection required during bike claims?


Yes, most insurance companies will carry out a detailed inspection during the claim settlement process. This is mainly to assess the amount of damage caused to the bike.

Can I claim bike insurance without an FIR?


The insurance company will request an FIR only during certain types of claims. For example accidents, theft, third-party damages, etc. For claims like damage from natural calamities, self-ignition, etc. you may not need an FIR. Thus, you can claim bike insurance without an FIR depending on the type of claim.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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