HOW TO GET A DUPLICATE CAR INSURANCE COPY ONLINE

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.

Here’s how you can get access to duplicate copies of your four-wheeler insurance paper through the offline method

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:

  • Immediately notify your car insurance provider

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.

  • File a first information report at the police station

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.

  • Post in a newspaper advertisement

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.

  • Submit an official application to the insurance company

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.

  • End the process by signing an indemnity bond

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.

How to get duplicate car insurance copy online?

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:

  • Visit the insurance company’s official website for easy and swift vehicle insurance copy download.
  • Login to your insurance account by entering details: policy number, name, phone number, email address, etc.
  • After logging in, you will get an option of downloading the duplicate policy document.
  • The insurance company might also send you an email containing your duplicate car insurance policy paper.
  • So, simply click on car insurance copy download option and get it printed. And this time, try to keep it safe.

 

FAQ

Q1. What documents have to be submitted to make the car insurance claim?

Ans: The policyholder has to submit the following documents to apply for their duplicate car insurance policy paper:

  • Copy of the previous car insurance plan
  • Claim form
  • RC of the registered vehicle
  • Xerox copy of police FIR
  • Your /driver's license
  • Bill payment receipts

Q2. How to access your car insurance policy number?

Ans: You may follow the following steps to find your car insurance policy number:

  • It is quite easy to find the number of your car insurance policy on your insurance company's website by logging in to your account.
  • You can ask your insurance agent about the same.
  • You can get in touch with the customer care of your insurance company to get your car insurance number.
  • You can directly contact the company to get your insurance policy number.
  • You may also contact the Insurance Information Bureau or IIB, to retrieve your car insurance details.

Q3. What are some of the other documents you must carry while driving?

Ans: You have to keep a hard copy of these documents:

  • Pollution Under Control, PUC certificate
  • Driver's license
  • Registration certificate

Q4. Is it possible to raise a car insurance claim during the grace period?

Ans. No, in India, it is not possible to raise a car insurance claim if your vehicle has been damaged during the grace period.

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