It might be frightening to lose your car insurance documents, particularly if you need them for a regular vehicle inspection or in an emergency. The good news is that a duplicate copy of your car insurance is simple to download.
The download procedure is uncomplicated and takes a few minutes, regardless of whether you desire a digital copy for convenient access or have misplaced the original policy documents. The easy procedures for downloading your duplicate car insurance policy, utilising a variety of techniques, are described in this article.
Why Is Keeping A Car Insurance Policy Copy Important?
According to the Indian Motor Vehicles Act, a car insurance policy is required. Driving without a legitimate car insurance policy can result in serious fines and legal repercussions. Additionally, car insurance offers financial security against future costs resulting from theft, unintentional damage, and other associated risks. As a result, you should always download insurance policy details and know how to receive an insurance copy PDF download by vehicle number in case your policy is stolen or lost. Read on to find out how to download insurance copies by vehicle number.
How to Download a Duplicate Car Insurance Policy Online?
A duplicate copy of your car insurance documents can be obtained online or offline. A duplicate insurance copy can be downloaded in PDF format online by entering the vehicle number, and a hard copy can be obtained offline. Let's examine the online approach, since it is simpler and less complicated.
Download Car Insurance Policy Online from the Insurer's Website
If you bought your car insurance online, you can use the instructions below to download insurance policy:
- Go to the official website of the company that sold you your car insurance.
- Enter the requested information, including your policy number, name, phone number, etc., to log into your account.
- Once you have logged in, select the motor policy document download option.
- Your insurer may email you with the details of your auto insurance policy.
- Download and print a copy of the auto insurance policy for future use.
Car Insurance Policy Details by Vehicle Number
You can use the Parivahan Seva Portal, which was launched by the Indian government, to find out your vehicle number and auto insurance details. You can access all of your vehicle's details through this portal, from RC to licence.
To view car policy details from the registration number, follow these steps:
- Go to the Parivahan Sewa Portal's official webpage.
- From the 'Online Services' option, choose 'Vehicle-Related Services'.
- Choose the state name from the drop-down menu.
- The 'Vahan Citizen Services' portal will now be shown, and you will need to input your vehicle number, state, and RTO.
- After making your selection, you will be directed to the next page, which contains all of your car's information as well as the specifics of your insurance policy.
Steps To Obtain Car Insurance Duplicate Copy
Losing your car insurance copy can be inconvenient, but you can obtain a duplicate offline by following these steps carefully.
Step 1: Notify Your Car Insurance Provider
The first step is to inform your insurance company about the lost document. Contact their customer service via phone, email, or by visiting their branch. Request guidance on the necessary procedures and documents required for reissuing the policy copy.
Step 2: File a Police FIR
Visit the nearest police station and file a First Information Report (FIR), mentioning the loss of your car insurance document. This legal record is often required by insurers to prevent fraudulent claims. Keep a copy of the FIR as you will need to submit it to the insurance provider.
Step 3: Publish a Newspaper Advertisement
To publicly declare the loss, publish an advertisement in a local newspaper stating that your car insurance document has been misplaced. Include relevant details like your name, vehicle registration number, and policy number. This step helps ensure transparency and can serve as supporting evidence during the reissue process.
Step 4: Submit the Application to the Insurer
Prepare a formal written application requesting a duplicate copy. Attach necessary documents, including:
- The FIR copy
- Newspaper advertisement
- Identity proof
- Vehicle registration certificate
Visit the insurer’s branch and submit the application. Some insurers may also accept applications via postal mail or online, so check with them for available options.
Step 5: Obtain an Indemnity Bond
Many insurers require an indemnity bond as a legal guarantee against misuse. This bond should be printed on stamp paper and signed by you, ensuring that you take responsibility for the lost policy document. You may need witnesses and their signatures for validity. Once submitted, the insurer will process your request and issue a duplicate car insurance policy.
Following these steps diligently ensures a smooth recovery process, helping you regain your lost insurance document without hassle.
Read More:
How to Transfer Your Car Insurance Policy
Third-Party vs. Comprehensive Car Insurance
Compulsory and Voluntary Excess in Motor Insurance
Final Thoughts
Losing a car insurance document can be inconvenient, but obtaining a duplicate copy—either online or offline—is a straightforward process. Digital platforms now allow vehicle owners to quickly download insurance policy documents using their insurance copy PDF download by vehicle number, offering convenience and ease of access.
Meanwhile, following legal steps like filing an FIR, publishing a newspaper ad, and submitting an indemnity bond ensures an offline replacement without complications. Whether choosing insurance copy download online or securing a physical copy offline, having access to your car insurance policy is essential for legal compliance and financial security. Knowing how to download insurance copy by vehicle number can save time and effort in case of loss or misplacement. Stay prepared by keeping your policy details accessible, so you can manage unforeseen situations effortlessly.
Frequently Asked Questions
How can I know my car insurance policy number?
You can check your car insurance policy number on the insurer's website or via the Parivahan Seva Portal.
Are my car insurance policy number and group number the same?
No, the policy number and group number serve different purposes in car insurance.
Is a photocopy of car insurance valid?
Yes, a photocopy is valid, but it’s best to have a digital copy for easy access.
Which documents are required to make a motor insurance claim?
You need the insurance policy document, claim form, RC, driving license, and FIR (if applicable).
Which documents do I need to carry while driving my car?
You must carry your driving license, RC, insurance policy copy, and pollution certificate.
Can I renew my expired car insurance policy?
Yes, you can renew an expired policy online or offline by contacting your insurer.
How can I raise a car insurance claim?
You can raise a claim through your insurer’s website or by visiting their branch with required documents.
Can I raise a car insurance claim during the grace period?
No, claims cannot be raised during the grace period, only renewals are allowed.
What are the advantages of buying a car insurance policy online?
Buying car insurance online provides benefits like lower premiums, instant policy downloads, and paperless transactions.
What is a car insurance certificate?
A car insurance certificate is a legal document proving that your vehicle is insured.
