7 Ways to Find Your Car Insurance Policy Number

What is Car Insurance Policy Number?

A car insurance policy number is a unique number granted to every policyholder to identify his/ her insurance policy. It is used as a reference number to recognise your car insurance policy and its coverage.

As a car owner, it is important for you to remember your four-wheeler insurance policy number as you may need it under certain circumstances. Besides, you must always keep a hard copy of your policy document in your car and its soft copy in your mail so that you can access it in any situation.

When Do You Need Your Car Insurance Policy Number?

A motor insurance policy number may be required in a variety of scenarios. Take a look at the various situations where you may have to provide your four-wheeler insurance policy number:

Car Insurance Policy Renewal

At the time of renewing your motor policy, you will be required to provide your previous policy number. The policy number is important to find your plan details and ensure that the same policy is being renewed. 

Even when you plan to change your insurer and buy a policy from another car insurance company, you will still need to provide your previous policy number. It is also important to ensure that your No Claim Bonus (NCB) is transferred from your previous policy to your new policy.

After a Car Accident

If unfortunately, your car meets with an accident, you will need to provide your policy number to file a claim with your insurer. In the case of third-party damages, you may be required to file a First Information Report (FIR) with the police where you may be asked for your four-wheeler insurance policy number. Moreover, if you have caused accidental damages to someone else’s car, you may be required to provide your motor insurance details, including the policy number, to the third party for them to raise a claim.

During Police Check

While driving your car, you may have often seen police check posts where a few vehicles are stopped. These routine checks are conducted for safety purposes and to verify the possession of important documents with the car driver, including car insurance. In case your car is stopped at a police check post, the police official may ask for your policy document or your policy number. You may also need to provide your policy number to the concerned authorities if you are traveling out of station.

Applying for Duplicate Policy Document

In case you have lost your insurance policy document and need to apply for a duplicate copy with your motor insurance company, you will have to provide your policy number. Your car policy number will be the first information that your insurer will ask for. Not even the best car insurance companies will provide you with a duplicate policy document if you don’t provide them with your policy number.

Updating Your Car Insurance Policy Details

Sometimes, you may find the wrong information mentioned in your motor insurance policy document. Or you may have changed your address or phone number and would want to update the details in your policy document. To do so, you will have to request your motor insurance provider to update the information. Your insurer will not update policy details unless you provide your policy number.

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Selling Your Car

If you are selling your car, the buyer may want to check the validity of the insurance policy covering the car. In such a situation, he/she may ask you for your car policy number. Moreover, you may also need to provide your policy number to get your NCB transferred from the sold car to your new car.

How to Find a Vehicle Insurance Policy Number?

Here are seven ways through which you can find your motor insurance policy number:

1. Policy Document

The easiest way to find your car policy number is by checking your policy document. Be it comprehensive or third party insurance, your policy number will be mentioned in your policy document. If you purchased your policy online, you may have a soft copy of your policy document in your mail, which you can go through to know your policy number.

2. Insurer’s Website/ Mobile App

In case you had purchased your four-wheeler insurance policy online on your insurer’s website, you can log in to your account on the website to know your policy number. To retrieve your account, you will be required to provide a few details, such as your car’s registration number, your name, phone number, etc. 

Some of the best insurance companies also have mobile applications where you can access details of your four wheeler insurance policy. Just enter the requested details to log in to your account and get your insurance policy number.

3. By Vehicle Number

You can also find your policy number with the help of your vehicle number. All you need to do is visit the e-Vaahan portal and provide your vehicle registration number to know all the details about your car policy, including your car policy number.

4. Via Insurance Agent

If you had bought your car policy with the help of an insurance agent, you must contact him/her to know your policy number. Insurance agents usually keep a copy of the policy details of their clients and thus, may help you to find your motor policy number.

5. Telephonic Assistance

All those people who did not buy four-wheeler insurance online or through an agent can know their policy number by getting in touch with their motor insurance company over the telephone. Every insurer has a customer care team to help solve your problems and doubts. You can call on your insurer’s customer service number and know your policy number. All you need to do is provide the requested details to the customer executive and he/she will tell you your policy number. You can also find the customer care contact number on the insurer’s website.

6. Visit Nearest Branch of the Insurance Provider

To know your policy number, you can also visit the nearest branch of your motor insurance provider. The branch executive may ask for a few details for verification. Post verification, they will tell you your car insurance policy number.

7. Insurance Information Bureau (IIB)

Another way to know your motor policy number is to visit the website of the Insurance Information Bureau (IIB). The IIB maintains the details of all motor insurance policies in India in digital format. You can enter the required details and know your policy number. The website is extremely helpful if you want to know the policy number of the car that damaged your vehicle in an accident.

In a Nutshell

A car insurance policy number is the identification number of the insurance policy. Without this number, you cannot avail the benefits of your four-wheeler insurance policy. Thus, you must always remember your policy number irrespective of whether you have comprehensive or third party insurance. But if you don’t, you can use one of these seven methods to find your policy number.