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.

Read more

Get Car Insurance starting at only ₹2094/year*
Renew in 2 minutes
Chose from 20+ insurers
51 lakh+ Cars insured
Other options

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.

You May Also Read: Check Used Car Valuation

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.

You might be interested in

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
CI Renewal CI Renewal


  • 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 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
You May Also Like
  • Transferring Car Insurance from One Person to Another
    Transferring Car Insurance from One Person to Another

    Transferring Car Insurance from One Person to Another An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance transfer to the new owner. But sadly, most people have...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You
    9 Secrets That Your Motor Insurance Provider Won’t Tell You

    9 Secrets That Your Motor Insurance Provider Won’t Tell You Due to the dangerous driving conditions, it is compulsory to have third party insurance for every vehicle plying on Indian roads. It ensures the overall saf...

    read more
  • Money Saving Advice for All Car Owners
    Money Saving Advice for All Car Owners

    Money Saving Advice for All Car Owners After a dream home, a dream car is your second-largest purchase that you make in your lifetime. But the expense does not cease when you drive off the car dealer's lot. Read mor...

    read more
  • Difference Between Comprehensive Insurance and Third Party Insurance
    Difference Between Comprehensive Insurance and Third Party Insurance

    Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage that pays for the repair or replacement of vehicle damages resulting from an incident. Comprehensive ca...

    read more
  • Types of Motor Insurance
    Types of Motor Insurance

    Types of Motor Insurance The word Motor broadly covers a lot of classes of vehicles plying on the roads. These may be two-wheelers like scooters and motorbikes, three-wheelers or four wheelers like private cars, jeeps, ...

    read more

Find similar car insurance quotes by body type

Hatchback Sedan SUV MUV
Car insurance save up to 85
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Calculate your car IDV
IDV of your vehicle
Calculate IDV
Calculate Again

Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

Policybazaar lets you compare premium prices from 20+ Insurers!
Compare Prices

Why buy from Policybazaar?

  • 24x7 Claims Assistance
  • Cashless Assurance
  • 3-Day Repair Assurance
  • Free Pickup & Drop
  • Self Video Claims
  • Windshield Claims At Home
View Plans

Car insurance articles

Recent Articles
Popular Articles
Know All About Pay As You Drive and How You Drive Insurance

21 Sep 2022

Are you also worried about high motor insurance premium rates?...
Read more
Renew Your Car Insurance Policy with the AI-Based Technology

12 Sep 2022

As per the Motor Vehicle Act, 1988, every car owner must possess...
Read more
Why Should You Choose a New India Car Insurance Policy?

24 Aug 2022

Buying a car insurance policy is one of the best ways to protect...
Read more
How to Save Tax on Electric Vehicles (EVs)?

23 Aug 2022

Electric cars are known as the future of the automotive industry....
Read more
How Can Modifications Affect Your New India Car Insurance?

05 Aug 2022

In India, car enthusiasts love to modify their cars with...
Read more
Multiple Ways To Check Your Car Insurance Status Online
All insurance companies in India now have a digital presence. It not only makes it easier to buy insurance online...
Read more
Car Depreciation Calculator
If you are looking to purchase a new car or planning to sell your existing one, it is important to know how...
Read more
Check Car Insurance Status Online on Parivahan Sewa/ RTO?
In India, buying car insurance is a compulsion for every car owner. It doesn’t matter if you are an excellent...
Read more
Transferring Car Insurance from One Person to Another
An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance...
Read more
How to Find Car Insurance Details by Registration Number?
As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you...
Read more