Can I Raise Bike Insurance Claim Without Driving License or RC?

Can You Raise Bike Insurance Claim Without DL & RC?

Well, the answer is yes. But can you raise your bike insurance claim without having an RC? The answer to this question is quite complex because of the terms and conditions that are associated with it.

It is not necessary to have a Driving License (DL) when you purchase a bike. But in order to legally ride that bike, you must hold a valid DL along with an active two-wheeler insurance policy document. 

Also, there can be a time gap between purchasing and registering a bike to obtain RC. During that substantial time frame, what if something happens to your bike?

1. Bike Insurance Claim Without Driving Licence

   If the rider involved in the accident did not have a valid driving license, insurers may reject the claim. This is because riding without a license is considered a violation of policy terms and traffic laws in India.

   However, if the license was lost, misplaced, or stolen, you may still raise a two-wheeler insurance claim by submitting supporting documents like:

   • FIR copy for the lost license
   • Application proof for duplicate license
   • Identity proof and policy documents

   In such cases, the insurer may process the insurance claim without driving licence after verification.

2. Bike Insurance Claim Without RC

   The situation is slightly different when it comes to the Registration Certificate (RC).

   If your RC is lost or stolen, you can still raise a claim provided you:

   • File an FIR for the lost RC
   • Apply for a duplicate RC from the RTO
   • Submit supporting documents to the insurer

   However, the insurer may ask for proof of ownership before approving the claim.

Is Driving License Required for Claiming Insurance?

Yes, a valid driving license is generally required for claiming two-wheeler insurance, especially if the claim involves an accident while riding the bike. Usually, bike insurance companies verify:

• Whether the rider had a valid driving license
• Whether the license was valid for the type of vehicle being driven

If the accident occurred while riding without a valid license, the insurer may reject the claim under policy terms.

Can I Claim Bike Insurance with a Learning License?

Yes, you can claim bike insurance with a learning license, provided certain conditions are met.

These conditions include:

• The rider must hold a valid learner’s license
• The bike must display “L” plates
• The rider must be accompanied by a person with a valid driving license

If these conditions are followed, insurers may accept the claim.

Bike Accident Without License in India: What Happens?

A bike accident without license in India can lead to both legal and insurance complications. If the rider does not have a valid driving license:

• The insurance company may reject the own-damage claim
• The rider may face traffic penalties or fines
• Legal consequences may apply depending on the accident severity

However, third-party liability claims may still be honoured, as these protect the third party involved in the accident.

What is a No Driving Licence Accident Claim?

A no driving licence accident claim refers to a situation where an insurance claim is filed even though the rider does not possess a valid driving license.

In such cases:

• Own damage claims are usually rejected
• Third-party claims are generally still paid by the insurer
• The insurer may later recover the amount from the vehicle owner

This is known as the “pay and recover” principle followed in some insurance cases.

Loss of Driving License or RC Add-On Cover

Many insurers offer a Loss of DL/RC add-on cover with comprehensive bike insurance policies. This add-on provides compensation if your driving license or RC is lost or stolen. This add-on can be purchased with a comprehensive bike insurance or standalone own-damage bike insurance. 

How to Buy Loss of License or RC Add-on Cover with Your Bike Insurance Policy?

Buying bike insurance add-on cover means enhancing the scope and coverage of your bike insurance policy by paying a nominal additional amount. Bike insurance add-ons provide better security, improved service, and peace of mind.

For instance, you lose your DL or RC while riding your bike. In such cases, if you have a loss of license/RC add-on, then you can easily file a claim even if you do not have your DL or RC.

To buy this bike insurance add-on cover, you can directly connect with your existing insurer or purchase it online. 

If you bought bike insurance online from Policybazaar.com, you can sign up using your registered mobile no. at the home page. Check your bike insurance details and buy loss of DL & RC cover by paying a little extra premium.

However, if you cannot find it on the website, you can contact them by phone or email and ask them about the price.

Benefits of Loss of License/RC Add-on Cover in Bike Insurance Policy

Here are a few listed benefits associated with this loss of DL/RC bike insurance add-on cover:

• The add-on cover is offered at a minimal price.
• With this, you can receive monetary compensation for the losses.
• This makes your claim process settlement smooth even without crucial documents.
• You can buy this bike insurance add-on cover with your comprehensive bike insurance policy online or offline.

Options to Buy Loss of License/RC Add-on Cover

This add-on cover can be purchased with a comprehensive or standalone own-damage bike insurance policy by paying an additional premium. The amount paid for the compensation for loss or theft of a driver's license or registration certificate will be decided as per the agreed terms and conditions between you and your insurer.

Moreover, you do not need to submit any additional documents to buy this add-on cover. While raising a claim, you must only submit an FIR copy to your insurer. Also, do not forget to have a valid bike insurance policy, as your insurer will not accept an unexpired or lapsed policy.

What to Do When You Lost Your Driving License or RC?

Apart from having a third-party bike insurance policy, both the DL and RC are some of the mandatory documents if you want to ride a bike legally. Also, traffic police check these papers while conducting their routine check-ups. Therefore, you should keep them handy while riding your bike.

If you lose or misplace them, the next thing to do is apply for duplicate documents immediately. Below are the steps you need to follow if you lose any of these mandated documents:

• Step 1: Go to the nearby police station and file an FIR (First Information Report).
• Step 2: Then, go to your local RTO to file a request to issue a duplicate driving license/RC.
• Step 3: You can also do it online by visiting the official website of 'VAHAN' and submitting the required documents and fees.
• Step 4: After submitting all necessary documents and fees, you will receive the duplicate DL/RC via post at your registered residential address.

Points to Keep in Mind While Raising Bike Insurance Claim

In case when you lose your bike's registration certificate or driving license, keep in mind the below points while raising claims:

• Duly fill in all the information correctly in both offline and online submissions.
• Ensure you have the required documents and an FIR regarding your DL/RC loss.
• Apply for the claims within the given period by your insurer.
• Ensure you have a valid bike insurance policy before commencing the claim process.
• Read all your policy documents carefully and all the terms & conditions before applying for the claim.

FAQs – Raising Bike Insurance Claim Without DL or RC