FINE IF CAUGHT
₹2,000
First offence under Sec. 196 MV Act. ₹4,000 for repeat + possible impoundment.
Renew in under 10 minutes · Policy on WhatsAppRenew in under 10 min
Bike insurance,renewedbefore the cop does.
Live two-wheeler quotes from IRDAI-registered partners. Compare, pay, and get your policy on WhatsApp in under 10 minutes.IRDAI partner quotes for your bike. Policy on WhatsApp in under 10 minutes.
- Built for Delhi NCR riders
- IRDAI-registered insurers only
- Policy delivered on WhatsApp
LIVE QUOTES FROM IRDAI-REGISTERED PARTNERSIRDAI-REGISTERED PARTNERS
Why this matters
The cost of letting your policy lapse
Real numbers from the Motor Vehicles Act and Delhi NCR insurance data.
The cost of letting it lapse
Real numbers from the MV Act and NCR insurance data.
NCB LAPSE WINDOW
90 days
After this, your No-Claim Bonus is lost forever and fresh inspection is required.
UNPROTECTED ON THE ROAD
Repair Cost
Any accident, theft, or damage occurring while your policy is expired won't be covered by insurance.
ZERO-DEP CAN SAVE
₹20–80k
Per bike claim. Must be picked at renewal - cannot be added after an accident.
FINE
₹2,000
First offence · Sec. 196 MV Act
NCB LAPSES
90 days
After this, NCB is gone
UNPROTECTED
100% on you
No cover while policy is expired
ZERO-DEP SAVES
₹20–80k
Per bike claim
What's covered
What vehicle insurance actually covers
A financial safety net for when your vehicle damages others - or suffers damage itself.
Third-party damages
Compensation for injury, or for damage to another person, vehicle, or property that your vehicle causes.
Own-damage protection
Repairs to your own vehicle from accidents, collisions, fire, and other covered events.
Theft protection
If your vehicle is stolen and not recovered, you're paid out based on its Insured Declared Value (IDV).
Natural calamities
Floods, cyclones, storms, earthquakes, landslides and fire - all covered under comprehensive plans.
Third-party
Damage or injury you cause to others.
Own damage
Repairs to your own vehicle.
Theft
Payout on IDV if not recovered.
Calamities
Floods, fire, storms, quakes.
Choosing a plan
Third-party vs comprehensive - which should you pick?
Third-party is the legal minimum. Comprehensive covers your vehicle too. Here's the honest difference.
Third-party
Mandatory by lawCovers damage or injury you cause to others. Keeps you legally compliant - but does nothing for your own vehicle.
Injury or damage to other people & property
Legal compliance under the Motor Vehicles Act
Damage to your own vehicle
Theft, fire & natural calamities
BEST FOR
Older vehiclesLow market valueMinimum legal compliance
Comprehensive
RecommendedEverything third-party covers, plus your own vehicle against accidents, theft, fire and natural disasters.
Everything in third-party
Own-damage from accidents & collisions
Theft & total-loss payout on IDV
Fire, floods & natural calamities
BEST FOR
New vehiclesPremium vehiclesDaily-useLoan-financed
Pricing, explained
How your premium is actually calculated
Five factors decide why one vehicle's premium differs from the next.
Vehicle age
Newer vehicles carry a higher insured value; premiums ease as the vehicle depreciates.
Make & model
Premium cars and bikes have costlier parts and repairs, which raises pricing.
Registration location
City traffic density, accident rates and local claim history all move the premium.
Claim history
A claim-free record earns a No Claim Bonus that cuts your renewal premium.
Add-on covers
Extra protection raises the premium, but pays off when you actually claim.
Vehicle age
Newer vehicles carry a higher insured value; premiums ease as the vehicle depreciates.
Make & model
Premium cars and bikes have costlier parts and repairs, which raises pricing.
Registration location
City traffic density, accident rates and local claim history all move the premium.
Claim history
A claim-free record earns a No Claim Bonus that cuts your renewal premium.
Add-on covers
Extra protection raises the premium, but pays off when you actually claim.
Save more each year
No Claim Bonus rewards safe driving
Every claim-free year earns a discount at renewal - and it stacks. For careful drivers, NCB becomes one of the biggest long-term savings on a policy.
A lapse of more than 90 days wipes your NCB out completely. Renewing on time keeps the discount intact.
DISCOUNT BY CLAIM-FREE YEARS
Y1Y2Y3Y4Y5Y6+
Worth considering
Add-ons that actually earn their premium
Standard cover is solid. These four add-ons close the gaps that hurt most at claim time.
Zero depreciation
Removes the depreciation deducted on replaced parts, so your claim pays out in full.
Ideal for Cars under 5 years old
Roadside assistance
Towing, flat-tyre help, battery jump-starts, minor repairs and emergency fuel - anywhere.
Ideal for Long-distance & daily drivers
Engine protection
Covers expensive engine repairs from water ingress and oil leaks.
Ideal for Flood- & waterlogging-prone areas
Return to invoice
On theft or total loss, bridges the gap between insured value and original invoice value.
Ideal for New & financed vehicles
How it works
From plate number to policy on WhatsApp - four steps, under 10 minutes.
- 1
Enter your vehicle number
We pull your live policy status from Parivahan - no documents needed.
- 2
Compare live quotes
Premiums from IRDAI-registered partners. Same cover, different prices.
- 3
Pick add-ons that matter
Zero-dep, engine protect, RSA - recommended for your vehicle age and type.
- 4
Pay & get policy on WhatsApp
Policy document hits your WhatsApp seconds after payment confirmation.
The Vutto advantage
We chase the renewal date - so you never get a fine
Most owners renew reactively - when they get caught or when they're selling. We make it proactive.
Live status from Parivahan
We see your real expiry the moment your vehicle enters our system.
Compare in 2 minutes
Same coverage, different prices - pick the best one.
45-day reminders
We nudge you on WhatsApp before your policy lapses.
Right add-ons for your vehicle
Recommendations based on age, type, and city - not a generic list.
Live status from Parivahan
No remembering, no documents.
Compare in 2 minutes
Same cover, different prices.
45-day reminders on WhatsApp
You never lapse, never lose NCB.
Right add-ons for your vehicle
Based on age, type & city.
Avoid these
Why claims get rejected - and how to avoid it
Most rejections come down to a handful of avoidable mistakes.
No valid licence
A claim can be denied if the driver lacked a valid licence at the time of the incident.
Drunk driving
Claims from driving under the influence of alcohol or drugs are generally not covered.
Delayed reporting
Failing to inform the insurer promptly after an incident can complicate the claim.
Policy lapse
An expired policy means no coverage - and a rejected claim.
Incorrect information
Inaccurate details at purchase or claim time are a common ground for rejection.
Common questions
Frequently asked questions
Enter your vehicle registration number and we pull your live policy status from Parivahan - insurer, policy number and expiry date - with no documents or calls.
Check insurance plans for
your vehicle
Enter your registration number to compare options, review benefits, and pick a plan that fits your vehicle and budget.
Renewing, insuring a new vehicle, or just looking for a better price - comparison takes under 2 minutes.
Why choose Vutto?
India runs on two-wheelers, for many families it is one of the most important purchases they make. In a market plagued by mis-trust and mis-selling, it is important to build a platform that solves discovery and trust in the pre-owned two-wheeler space. At Vutto, we aspire to build a customer- first brand that solves for it. You buy a Vutto bike because you are opting for trust, quality and peace of mind. To know more reach out to us on whatsapp on: 08044318985
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