Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!

Losing important documents, such as your car insurance documents, can be daunting. In such a state of affairs, the first thing that comes to your mind is the penalties. But are you aware that you can replace your lost car insurance policy? All you need to do is to approach in the right way. Below we will tell you how to download a car insurance policy if you have lost the previous one.

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Importance of Having a Duplicate Insurance Copy for Your Car

Since vehicle insurance is mandatory as per the motor laws in India, you can’t afford to lose it as it may lead to legal consequences. Besides, car insurance provides financial protection against the expenses arising out of accidental damages, theft or other related perils. Hence, keeping the car policy active and handy is important. Therefore, you must be aware of the process of obtaining a duplicate copy of your car insurance policy in case it gets lost or stolen.

How to Get a Duplicate Car Insurance Copy?

There are two ways of obtaining a duplicate copy of your car insurance papers - online and offline. The online process involves downloading the copy of your car policy document while the offline process involves obtaining its hard copy. Both the process is extremely easy. Since the offline process was being used traditionally, let’s talk about it first.

Here are the steps to obtain a duplicate car insurance copy via offline mode:

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 car insurance policy document. Try to notify your insurer as soon as possible so that your insurance company can commence the process of issuing the duplicate four-wheeler policy document at the earliest.

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You can inform your insurer by calling them on their claim assistance number or toll-free number. You can also send them a mail to inform them about the loss. The phone number/ toll-free number and the email id can be found on the website of the insurance company.

File a Police FIR

Once you realise that you have lost your car insurance policy document, you must file an FIR or First Information Report in 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 obtain your duplicate policy papers.

Publish a Newspaper Advertisement

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

Submit Application to 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 the copy of your registered Police FIR.

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 to your insurer.

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How to Download a Car Insurance Copy Online?

Contrary to the offline method, the online method is quicker and can be performed from the comfort of your home. A person can download a duplicate car insurance policy if it was purchased online. In case you had purchased your car insurance policy online, you can download the duplicate copy of your policy document by following the steps given below:

  • Visit the website from where you had purchased 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 car policy document and get it printed for further use
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FAQs

  • Q1. How can I know my car insurance policy number?

    Ans: The policy number of your four-wheeler insurance is mentioned in your policy document. If you don’t have your policy document, you can find your policy number by following one of the methods given below:
    • You can check your policy number by logging into the official website or mobile application of your motor insurance provider.
    • You can contact your insurance agent to know the policy number if you purchased your car insurance through an agent.
    • You can call on the registered phone number/ toll-free number of your insurer to know the policy number. The number will be available on the insurer’s website.
    • You can visit the nearest branch of your insurance company to know the policy number.
    • You can find your car insurance policy number on the website of the Insurance Information Bureau (IIB) as it maintains records of all motor insurance policies in India.
  • Q2. Are my car insurance policy number and group number the same?

    Ans: No. A policy number is an exclusive number issued to each policyholder on the purchase of car insurance. On the other hand, a group number is a number issued to a group or company that purchases a group insurance policy.
  • Q3. Can I get duplicate car insurance papers if I have lost my original policy document?

    Ans: Yes. You can get a duplicate car insurance copy if you have lost your original car policy document. All you need to do is download the policy from your insurer’s website or request your insurance company to issue you a duplicate policy document.

    Q4. Which documents are required to make a motor insurance claim?

    Ans: You need to submit the following documents to register a car insurance claim:
    • Copy of your car insurance policy document
    • Claim form
    • RC of the car
    • Police FIR (in case of theft/ third party claims)
    • Your driver’s license
    • Car repair bill
    • Bill payment receipts
  • Q5. Which documents do I need to carry while driving my car?

    Ans: Every time you drive your car, you must carry the following documents:
    • Your driving license
    • Registration certificate of your car
    • Your car insurance policy
    • Pollution Under Control (PUC) Certificate
  • Q6. Can I renew my expired car insurance policy?

    Ans: Yes, you can renew your expired four-wheeler insurance policy from Policybazaar.com. However, your car may be subject to an inspection before the motor policy is renewed.
  • Q7. How can I raise a car insurance claim?

    Ans: To raise a claim with your car insurance company, you need to inform your insurer about the mishap at the earliest. You can do so by calling your insurer at the claim support number or the toll-free number.
  • Q8. Can I raise a car insurance claim during the grace period?

    Ans: No. You cannot raise a car insurance claim if your vehicle was damaged during the grace period.
  • Q9. What are the various types of car insurance policies?

    Ans: In India, two types of car insurance plans are offered to vehicle owners - third party liability car insurance and comprehensive car insurance. While third party car insurance only covers your third party liabilities, comprehensive car insurance covers damages to a third party as well as own damages caused due to natural calamities, theft, accidents, manmade disasters and fire.
  • Q10. What are the advantages of buying a car insurance policy online?

    Ans: Following are the advantages of buying a motor insurance policy online:
    • It is more convenient
    • It involves minimal to zero paperwork
    • It is a faster process
    • It allows you to download your duplicate car policy document any time from the insurer’s website
Written By: PolicyBazaar - Updated: 06 September 2022
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