6 Ways to Find Your Car Insurance Policy Number
Car insurance is one of the most important documents that a car owner should have. As per the Motor Vehicles Act, 1988, every car plying on public roads must be covered under a car insurance policy. You may be fined if you are caught driving your car without valid third party insurance. In other words, if you buy a car, purchasing a car insurance policy is inevitable.
A lot of you may consider car insurance as an unnecessary and forced expense. But on the contrary, car insurance is a beneficial prospect for vehicle owners in the long run. It safeguards your car from any unforeseen adversities, such as accidents, fire, natural/ manmade calamities and theft, that may result in damage to the vehicle and cause you financial losses. Moreover, it also takes care of your third party liabilities and compensates you in case an accident leads to your death or disability. Therefore, you must consider plans from the best car insurance companies and purchase a plan that best suits your insurance needs.
Types of Car Insurance Plans That You Can Buy
Before you buy car insurance, you must be clear about the kind of coverage you want for your four wheeler. Based on coverage, you will come across two types of plans offered by the best car insurance companies - third party insurance and comprehensive car insurance. Let us discuss both types of car insurance plans in detail.
When you buy third party insurance for your car, your motor insurer becomes liable to pay for your third party liabilities in case your car causes accidental death/ disability or property damages to third parties. Third party insurance is the minimum required coverage that every car owner compulsorily needs to buy for his four wheeler.
When you buy comprehensive car insurance, your vehicle is covered against any eventualities that may cause damages and lead to financial losses. It covers the own damages of your car in the event of a fire, manmade calamity, theft, accident or natural disaster. The owner-driver of the car also gets a personal accident cover in case of accidental death or disability. Just like third party insurance, this plan also covers your third party liabilities. Thus, comprehensive car insurance is an amalgamation of third party insurance and own damage cover.
Whether you buy third party insurance or a comprehensive car insurance policy, you are allotted with a policy number by your motor insurance company.
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.
Every car insurance policy has a policy number which is unique to it. As a car owner, it is important for you to remember your car insurance policy number as you may need it under certain circumstances. 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 under any situation.
When Do You Need Your Car Insurance Policy Number?
A car 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 car insurance policy number:
Car Insurance Policy Renewal
At the time of renewing your car insurance 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 one of the best car insurance companies, you will still need to provide your previous policy number. This is 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 car insurance policy number. Moreover, if you have caused accidental damages to someone else’s car, you may be required to provide your car 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 post 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 travelling outstation.
Applying for Duplicate Policy Document
In case you have lost your car 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 insurance 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 wrong information mentioned on your car 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 for policy details unless you provide your car insurance policy number.
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 insurance 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 Your Car Insurance Policy Number?
Here are six ways through which you can find your car insurance policy number:
The easiest way to find your car insurance 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.
Insurer’s Website/ Mobile App
In case you had purchased your car 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 car 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.
If you had bought your car insurance 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 car insurance policy number.
All those people who did not buy car 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 car insurance policy number. You can find the customer care contact number on the insurer’s website.
Visit Nearest Branch of the Insurance Provider
To know your car insurance 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.
Insurance Information Bureau (IIB)
Another way to know your car insurance 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
Car insurance policy number is the identification number of the insurance policy. Without this number, you cannot avail the benefits of your car 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 six methods to find your policy number.
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