Two wheeler insurance is a compulsory requirement now a days. In general transport authorities inspect for this and are also very strict about it. Any one found to be with a two wheeler without insurance will be fined.
Besides this two wheeler insurance is also demanded by transport department. In case you wish to transport your vehicle from one place to another by train, then two wheeler insurance is mandatory.
This two wheeler insurance will be of two types like
a) comprehensive insurance
b) Third party insurance.
The comprehensive insurance means a full insurance. This means, it covers the bike, owner, and also any other person on the road in case of accident. This type is expensive than the latter type. Further it requires inspection of bike.
Third party is one which give insurance only to third person in case of accident. So neither the bike or damage to owner is covered under it.
This third party insurance can be done without inspection or physical verification of the bike.
I recently faced an interesting issue. I had my two wheeler taken long back to my place of work. The insurance of it was lapsed more than a year ago. To shift the bike back to my native place i was demanded for two wheeler insurance by train transport authorities..
Since i was at home town and the bike at the place of work, i needed to make an insurance without the presence of bike. I.e without any physical inspection of the vehicle.
For my car insurance, i was asked to show my vehicle, they took the chassis number etc. personally from it. So i was expecting the same type of inspection.
But some how when i tried to see some online policies, i came across few companies offering two wheeler insurance. This insurance was done without any inspection.
I even called the customer care and inquired, they also said inspection was not required for the two wheeler insurance to be renewed.
But inspection will be needed for the first time when the bike is bought.
The reason given was, when a new two wheeler is taken, it has no number given. For the number to be given, the road transport authorities will require an insurance. So the insurance company will need to verify the bike, note its chassis, engine number and give the insurance.
But for an old bike which has already got a number from RTO, it has a registration and road clearance. This is registration has the details of vehicle number and chassis number details. So they need not inspect it as the vehicle is already in your name.
May be they will inquire from the online RTO of number verification regarding the owner details.
If you go to the website of your state RTO. There you will find your vehicle details registered owner etc.
So one can do two wheeler insurance without inspection online for two conditions.
a) For third party insurance: Since there is no insurance covered to bike, it is possible.
b) For already insured but expired vehicles. Here the vehicle is already insured before but lapsed. Then one can avail insurance without inspection.
Further online two wheeler insurance is cheaper than the direct inspection based insurance. Since there is no requirement of person to be attending you, it is cheaper.
So two wheeler insurance without inspection is possible for older vehicles but not for newly bought ones.