Free quotes from top insurers with lowest premiums in 30 seconds
*Please note that the quotes shown will be from our partners
*savings provided by insurer

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

Insurance offers much-needed financial protection in case of a crisis. When vehicle insurance is mandatory in India, you can’t afford to lose it. Car insurance provides the same protection against the expenses arising out of accidental damages, theft or other related perils. Hence, keeping the policy active and handy is important. But what if you’re unable to keep it safe or loss it.

Well, losing important documents such as your car insurance document can be daunting. In such state of affairs, the first thing that comes to your mind is the penalties. But are you aware that you can replace your lost policy? All you need to do is to approach the right way!

Let’s assume you own HDFC ERGO car insurance, a duplicate copy of which is required now. However, the process is not the same as HDFC insurance policy download, which can be initiated by you as well. In order to avail a duplicate copy:

  • Immediately Inform the Insurer: Let your insurer know that the policy is lost without a delay. You can contact their toll-free number and inform about the same. It is important to explain about the incident as soon as possible and apply for the duplicate copy. It is because you can’t drive your vehicle without valid insurance, which will lead to a huge penalty on road.
  • File an FIR: FIR is an important document to be filed in case of loss of insurance document. You can approach the nearest Police station to do the formalities. An FIR will be helpful in justifying your case or aid in faster duplicate insurance certificate You should also keep a copy of the FIR with you.
  • Role of Advertisement: It is essential to place an advertisement in English, Hindi or other regional newspaper in circulation in the place where the policy was lost. Bear in mind that, the cost of the advertisement will be borne by you only.
  • Write to the Insurance Provider: You can write an application as well seeking for the duplicate insurance certificate and submit the same to the insurance provider. The application should contain information such as the name of the insured, the policy number, date of issuance, type of coverage etc. Also, submit a copy of the police complaint, which will help you explain the reason of loss to the insurer.
  • Indemnity Bond: Executing an indemnity bond is the last step toward acquiring a duplicate insurance copy. You can get the bond affirmed by a notary. You will have to pay a stamp fee based on the norms of the insurance company to procure the duplicate certificate. There may also be a fee associated with issuing the copy. However, before processing the same, you should check with your insurer.

Upon receiving of every document, the insurer will issue a duplicate copy of your car insurance policy. The copy will clearly display the term ‘DUPLICATE’ on the top of the document. Also, you’re recommended to keep this copy safe!

You May Also Like
  • Top 5 Motor Insurance Companies in India
    / 5 ( page reviews)

    Getting a Motor Insurance, unlike other forms of insurance, is not a choice but a legal compulsion. It is mandatory to have a third-party motor insurance under Indian Motor Act. But it is recommended by experts to get a ...

    read more
  • Zero Depreciation Car Insurance Coverage & Features
    / 5 ( page reviews)

    English Hindi   Mr. Kamal Shah got furious as he had to spend Rs 30,000 from his pocket towards repairing of the car. The comprehensive car insurance, which he bought last year, only reimbursed Rs 70,000 after fa...

    read more
  • Insured Declared Value (IDV)
    / 5 ( page reviews)

    Insured Declared Value is the maximum Sum Assured fixed by the insurer which is provided on theft or total loss of vehicle. Basically, IDV is the current market value of the vehicle. If the vehicle suffers total loss, ID...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You
    / 5 ( page reviews)

    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 safety of the people involved in a road mishap. As we all know, it...

    read more
  • Money Saving Advice for All Car Owners
    / 5 ( page reviews)

    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. Owning and maintaining a vehicle makes up the secon...

    read more