How to Get Your Duplicate Car Insurance Policy Online?

Losing your car insurance documents can be daunting, especially when you need them in an emergency or for a routine vehicle check. But the good news is that you can easily download a duplicate copy of your car insurance. Whether you've lost the original policy documents or want a digital copy for easy access, the download process is simple and takes a few minutes. This article explains the simple steps of downloading your duplicate car insurance policy using various methods.

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Importance of Having a Car Insurance Policy Copy

Vehicle insurance is mandatory as per the Indian Motor Vehicles Act. Not having a valid motor insurance policy while driving may lead to legal consequences and hefty penalties. Besides, car insurance provides financial protection against potential expenses that may arise out of accidental damages, theft, or other related perils. Hence, you should always have access to your car insurance documents and also be aware of the process to obtain a duplicate copy of your car insurance policy if it gets lost or stolen.

How to Download Duplicate Car Insurance Policy Online?

There are two ways of obtaining a duplicate copy of your car insurance papers - online and offline. The online process involves getting a duplicate insurance copy pdf download by vehicle number, while the offline process involves obtaining its hard copy. Since the online process is easier and can be done without much hassle, let us understand it first:

1. Download Car Insurance Policy Online from Insurer's Website

   In case you purchased your car insurance online, you can download the duplicate copy of your policy document by following the steps given below:

   • Visit the official website of the insurer from where you purchased your car insurance.
   • Login to your account by entering the requested details, such as your policy number, name, phone number, etc.
   • After logging in, go to the option of downloading the motor policy document
   • You may receive an email from your insurer consisting of your motor insurance policy document.
   • Download the vehicle insurance copy and get it printed for further use

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2. Download Car Insurance Policy from Policybazaar.com

   If you have purchased your four-wheeler insurance policy from Policybazaar Insurance Brokers Private Limited, here is the car insurance download option to access your policy information:

   • Visit Policybazaar.com and sign in to your account
   • You can log in via OTP or by entering your password
   • You will now be redirected to your account dashboard
   • From the 'Policies' section of your account, easily download a duplicate of your car insurance policy.

3. Car Insurance Policy Details by Vehicle Number

   In case you wish to know car insurance details using vehicle number, you can do so by using the 'Parivahan Sewa' portal introduced by the Government of India. This portal allows you to access all information related to your vehicle from RC to license.

   Here is how to view car policy details by registration number:

   • Visit the official website of the Parivahan Sewa portal
   • Select 'Vehicle-Related Services' from the 'Online Services' dropdown
   • Select State Name from the dropdown
   • You will now be taken to the 'Vahan Citizen Services' portal, where you will be required to enter your vehicle number, state and RTO.
   • Once selected, you will be taken to the next page, where you can find all the info about your vehicle, along with car insurance details.

How to Get Duplicate Car Insurance Copy Offline?

In case you have lost your existing vehicle insurance policy, here are the steps to obtain a duplicate insurance copy of your vehicle via offline mode:

Step 1: Notify your Car Insurance Provider

The first thing that you need to do is to inform your motor insurance company about the loss of your motor insurance policy document. Try to notify your insurer as soon as possible so that your insurance provider can commence the process of issuing the duplicate car insurance policy document at the earliest.

You can inform your insurer by calling them on their claim assistance number or toll-free number. You can also send them an email to inform them about the loss.

Step 2: File a Police FIR

Next, file an FIR or First Information Report at the nearest police station. Remember to obtain a copy of the Police FIR, as you will need to submit it to your motor insurance company. The FIR acts as proof of the claim of not being able to find your car insurance papers. Thus, you need to submit the FIR copy to your insurer to obtain your duplicate insurance policy papers.

Step 3: Publish a Newspaper Advertisement

Besides filing a Police FIR, you will also need to get an advertisement published in a newspaper to obtain a car insurance duplicate copy. The advertisement should be published in a newspaper circulating across the state where you lost your policy document. However, the insurance company will not pay for the cost of publishing the advertisement. So, consider the cost while selecting the newspaper for publishing your ad.

Step 4: Submit the Application to the Insurer

Next, you need to submit a written application to your car insurance company requesting them to issue a duplicate copy of your four-wheeler policy document. The application should talk about how you lost your policy papers and should consist of details such as your name, car insurance policy number, coverage type, date of issuance, etc. Submit the hard copy of the application to your insurer along with a copy of your registered Police FIR.

Step 5: Obtain an Indemnity Bond

Lastly, you need to get an indemnity bond made and submit it to your car insurance provider to obtain the duplicate policy papers. The bond should include your full name and contain the signatures of two witnesses. You will have to buy the stamp paper and get the bond acknowledged by a notary. Your request to obtain the duplicate car insurance papers will only be processed once you submit the indemnity bond along with all the documents to your insurer.