Why You May Need a Duplicate Bike Insurance Copy?

You may need a bike insurance copy if:

• You lost or misplaced your documents.
• The bike insurance paper is damaged.
• Police or RTO requests physical verification.
• You need it for claim settlement or RC transfer.
• You cannot find your old bike insurance copy.

How to Download a Duplicate Bike Insurance Copy Online?

Online options are the fastest and most convenient, as most insurers now provide digital copies. Here is how you can do it online:

1. Check Your Email or SMS

   When you buy or renew bike insurance online, your insurer sends a digital copy to your registered email ID and mobile number. Search your inbox, spam folder, and SMS for terms like "bike insurance", "policy copy", or your insurer's name.

2. Download from Your Insurer's Website/App

   You can instantly get a copy of your policy by logging in to your insurer's customer portal.

   Steps:

   • Visit the official website or mobile app of your insurance company
   • Log in using your registered mobile number, email ID, or policy number
   • Go to the "My Policies" or "Policy Documents" section
   • Download or print the PDF copy
   • Many insurers also allow you to resend the policy to your email

3. Use Government Portals (VAHAN e-Services)

   Use your vehicle registration number to check insurance details and validity.

4. DigiLocker or mParivahan App

   These government-approved apps securely store digital vehicle documents that are legally valid during checks.
   You can fetch your insurance certificate by verifying your Aadhaar and entering vehicle details.

5. Insurance Information Bureau (IIB)

   If you don't remember your insurer's name or policy number, visit the IIB portal.
   Enter your vehicle registration number to retrieve your insurer details and policy data.

How to Get a Duplicate Bike Insurance Copy Offline?

If you have misplaced or lost your bike insurance documents, then read the steps below to get a copy of the two-wheeler insurance documents offline-

1. Inform your insurer

   First things first. You will inform your insurance company if you have misplaced or lost the policy documents. With this, the insurer will initiate the issuing process of a duplicate copy. Connect with them by calling the toll-free number or visiting the nearest branch office.

2. Submit an application

   Write an application to your insurer. Ensure that you include all the necessary details in the application. Add the mentioned things to it:

   • Your full name
   • Policy number
   • The date of issuance
   • Type of cover
   • Registration number of the two-wheeler

   It is mandatory to mention the reason for applying the duplicate policy document. If the bike insurance policy is held jointly, the application is required to be made jointly by all policyholders.

   Note: For the issuance of the duplicate policy document offline, the insurance company usually charges a nominal fee.

3. File an FIR

   Filing an FIR (First Information Report) is another significant step that you need to take if you have lost your vehicle insurance papers. Ensure that you send a copy of the FIR to your insurer along with the application.

4. Sign an Indemnity Bond

   It is mandatory to sign the indemnity bond. The indemnity bond is executed on non-judicial stamp paper of an appropriate value. It includes the policyholder's full name and the policy number.

   To add credibility, this bond should be signed by two witnesses who are not related to the policyholder. However, some insurers may require a sound financial status to submit the surety bond for such policies.

5. Publish an advertisement

   This is one of the important ways to help you recover your lost bike insurance papers. The insurers also advise you to publish an advertisement in the local newspaper, mentioning the missing policy papers. Moreover, share this ad copy with your insurance company once it is published in the newspaper.

Documents Required for Duplicate Bike Insurance Copy

• FIR copy (if applicable)
• Application letter
• ID proof
• RC copy
• Indemnity bond

How to Download an Old Bike Insurance Copy for Renewal or Claims?

If your two-wheeler insurance has expired or you have changed insurers, you can still use the old bike insurance policy download options on the insurer's website. Here is what you need to do:

• Log in with your mobile number to see the bike's old insurance download options.
• Use Policybazaar to fetch policy details using your number.

Tips to Follow if You Have Lost Bike Insurance Documents

If you have lost or misplaced your original policy documents, you must follow the tips below, so you might get them back without any hassle of getting a duplicate copy:

• The first thing is to search thoroughly for the policy documents in your house, office, or vehicle itself.
• If you are not able to find it, discontinue using that two-wheeler for the time being until you get the duplicate copy.

Is a Physical Bike Insurance Copy Mandatory in India?

It is recommended to always keep a copy of your physical bike insurance handy while riding your two-wheeler. However, you can show policy digitally during traffic police checks, via:

• DigiLocker
• mParivahan

However, if you have bought your two wheeler insurance from Policybazaar.com, you can email or speak to the experts at 1800-258-5881 to get assistance for downloading your policy.