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

      Losing 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 papers with duplicate ones? Below, we will tell you how to download insurance copy of vehicle online or get a duplicate one offline if you have lost the previous one.

      Read more

      Importance of Having a Duplicate Insurance Copy for Your Car

      Since vehicle insurance is mandatory 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, you should have a car insurance duplicate copy with you in every circumstance.

      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 Download 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:

      Download Car Insurance Policy Online

      The online method of car insurance download is quicker and can be performed from the comfort of your home. A person can download insurance policy by vehicle number by following any of these methods:

      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

      You May Also Read: Check Used Car Valuation

      Download Car Insurance Policy from Policybazar.com

      If you have purchased your four-wheeler insurance policy from Policybazaar Insurance Brokers Private Limited, you can easily get car insurance download directly from the website. Here is how:

      • 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, you can easily get your car policy details and download insurance copy of your vehicle as well.

      Car Insurance Policy Details by Vehicle Number

      In case you wish to know car insurance policy details using your 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 you can view car policy details by vehicle 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 car, along with policy details

      How to Get Duplicate Copy of Vehicle Insurance 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.

      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 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 Insurance Information Bureau (IIB) website, 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. You only need to get car insurance download from your insurer’s website or request your insurance company 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 duly filled
        • Copy of RC of the car
        • Copy of police FIR (in case of theft/ third party claims)
        • Your driver’s license
        • Car repair bill
        • Estimated 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 vehicle insurance policy document
        • 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, inform your insurer about the mishap immediately. You can do so by calling your insurer at the claim support 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, three types of car insurance plans are offered to vehicle owners - third-party liability car insurance, standalone own damage, and comprehensive car insurance. While third-party car insurance only covers your third-party liabilities, a SAOD policy can be purchased along with liability insurance to cover own damages sustained by your car.
        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: The following are the advantages of buying a motor insurance policy online:
        • It is a more convenient process
        • It involves minimal to zero paperwork
        • Buying car insurance online is a faster process and can be done in just 5 minutes

        It allows you to download your duplicate car policy document any time from the insurer’s website

      • Q11. How to download insurance copy by vehicle number?

        Ans: To download insurance copy by vehicle number, you can contact your insurance provider on their toll-free number or get your car policy download from their official website. Moreover, you can also log in to the Parivahan portal or download the Parivahan app to get a car insurance download online.
      • Q12. What is a car insurance certificate?

        Ans: A car insurance certificate or a certificate of insurance is a document offered by insurers at the time of policy purchase or renewal. This certificate has details of your vehicle, policy, coverage, add-ons, and important dates. A car insurance certificate is an important document and must be kept handy at all times.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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