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As per the Motor Vehicles Act 1988, it is mandatory to carry a copy of car insurance whenever you are driving. So, if you are unable to produce the insurance papers upon being asked by a police person, you will be fined 2000 rupees or may be imprisoned for three months. Nowadays, with the e-Vahan Bima application, you can simply carry a soft copy of your insurance document. Even though you were careful, you might have accidentally misplaced your car insurance papers.
So, in case you are wondering how to download a duplicate car insurance copy online, you can go through this article.
You can obtain the duplicate copy of your four-wheeler insurance paper in two ways- the online and offline process. Let’s first discuss the offline process:
The very first step that you must do after misplacing the policy paper is to intimate your motor insurance company regarding the loss. You have to let the insurer know as soon as possible so that they can start the process of issuing the duplicate policy document. You can call them on their distress number, or you can email the company and inform them about your loss.
Once you notice that your car insurance policy document is nowhere to be found, you must immediately file an FIR with the nearest police station. Ensure that you get a xerox copy of the FIR as you have to submit it to the insurance company. The police FIR will prove that you have actually lost your car insurance paper, and therefore it has to be submitted to obtain your duplicate papers.
Apart from filing an FIR, you also have to publish an advertisement in a newspaper to obtain a duplicate car insurance document. This advertisement needs to be published in a newspaper which is circulated across the state in which you have lost the papers. You must know that the insurance company will not be paying any amount for the cost of publishing this advertisement.
In the next step, you will have to furnish a written application to your insurer and request them to issue another insurance policy copy. In the application, you have to describe how you lost your policy papers, and it should have the details like your name, policy number, date of insurance, type of confidence, etc.
In the last step, you have to obtain an indemnity bond and submit it to the car insurance provider. This is a significant step that you must follow to get your duplicate policy insurance papers. It should contain the name and signature of two witnesses. You need to pay for stamp paper and get the bond approved by a notary.
Your request for the duplicate insurance papers will only be accepted if you submit all the following documents and carefully follow the above-mentioned steps.
As compared to the offline method, the online method of downloading your duplicate car insurance paper is quicker and easier. Nowadays, most insurance companies have their websites. The policyholders can use the website for various purposes like insurance paper renewal or download a duplicate car insurance copy.
So, if your motor insurance company has this facility, then you have to log in to your user account, and then you get the option for car insurance copy download.
In this section, we will elaborate upon how to get duplicate car insurance copies online:
Ans: The policyholder has to submit the following documents to apply for their duplicate car insurance policy paper:
Ans: You may follow the following steps to find your car insurance policy number:
Ans: You have to keep a hard copy of these documents:
Ans. No, in India, it is not possible to raise a car insurance claim if your vehicle has been damaged during the grace period.