A very important document for you will be your bike insurance, where it saves you from potential monetary loss that can be caused by the bike accident, theft, or damage. But people always seem to lose the actual paper copy of their two-wheeler insurance.
Bike insurance is a very important document for your bike insurance, where it saves you from potential monetary loss that can be caused by the bike accident, theft, or damage. But people always seem to lose the actual paper copy of their two-wheeler insurance.
It's a good thing then, in this digital world, to download your bike insurance copy instantly online.
This article will help you download your bike insurance policy online, explain the importance of having one, and answer common questions.
Why Do You Need a Bike Insurance Copy?
Your bike insurance policy is more than just a legal requirement; it's proof of financial coverage if there's an accident, theft, or other forms of damage. Here's why an accessible copy is very important:
Proof of Insurance
Traffic policemen also ask for your insurance policy during road safety checks. Failure to provide a bike insurance policy can lead to hefty fines.
Easier Claims
Insurance copies are necessary to file damages and theft claims. While filing a claim, you need to submit a copy of your two-wheeler insurance policy to the insurer.
Mandatory Legal Requirement
By law, under the Motor Vehicles Act, 1988, a bike must possess third-party bike insurance at least to be able to ride on public roads of India.
Paperless Facility
No need to carry around a load of documents now, just simply provide a soft copy of the bike insurance policy. This way, you are saving paper, which is environment friendly and you do not have to worry about carrying around multiple documents everywhere, just a digital version of your insurance policy that you can access through your phone.
Easy Access
If you have a digital copy of your two-wheeler insurance, you can access it anywhere and anytime. In case of an emergency, you do not have to search for your documents everywhere in the house or your bike, just open up the digital copy and access your policy at the comfort of your phone.
Convenient
You can provide a digital copy of the bike insurance policy to the traffic cop who will be checking your documents at a traffic stop. You can also show the policy to a potential buyer your motorcycle insurance policy online if you wish to resale your motorcycle.
Step-by-Step Guide to Download Your Bike Insurance Copy Online
The process of downloading your bike insurance copy is simple and can be done in a few steps. Here's a step-by-step guide:
1. Through Coverfox
- Head over to Coverfox website
- Login using your registered email address or mobile number
- Head over to “My policies” section
- Locate your insurance policy
- Click on Download
- Your file will be downloaded to your device.
2. Through Insurer
- Visit your insurer’s website (The one you bought the bike insurance policy from)
- Login or register using your registered email address or mobile number
- Find My policies tab
- Select your bike insurance policy
- Click on Download
- Your fill will be saved on our device.
3. Through Government Portals
- Visit government official insurance website like MorTH (Ministry of Road Transport and Highway) or VIDB (Vehicle Insurance DataBase)
- Entire the required details of you and your bike (Registration Certificate and Personal Information)
- Request for a duplicate copy of insurance policy (Follow all the steps)
- You may be required to provide an OTP on your email or phone
- Download the document to your device
How to Download a Bike Insurance Copy via Mobile Apps
Most insurance providers now offer mobile apps for added convenience. Here’s how to use the app to get your policy document: -Download the App
Install your insurer’s official mobile app from Google Play Store or Apple App Store.
Log In
Use your registered details to log in.
Locate Your Policy
Navigate to the “My Policies” section.
Download the Copy
Tap on the policy and select the “Download” option.
Example: Apps like Tata AIG, Bajaj Allianz, and ICICI Lombard offer seamless access to policy documents.
Alternatives to Downloading Online
If you’re unable to download your policy copy online, here are alternative methods:
Contact Customer Support
- Contact your insurer's customer care through their toll-free number or email.
- Give them your policy number or registered details for a duplicate copy.
Visit the Nearest Branch
- Go to your insurance provider's branch along with ID proof and vehicle registration details to get a copy.
Insurance Aggregators
- If you have bought your policy through aggregator Coverfox, log in on their website to get a view of your policy.
How to Download Bike Insurance Copy Using Vehicle Number
You can also download bike insurance copy using your vehicle number through Parivahan Portal by:
- Visit Parivahan Portal.
- Click on "Know Your Vehicle Details" under Online Services.
- Login or Register using your mobile number and enter the OTP.
- Once logged in, you'll see all vehicles linked to your mobile number.
- Click on your bike’s registration number.
- Scroll to see your insurance status, insurer name, policy number, and validity dates.
- Click "View" next to Insurance details (if the insurer has uploaded documents, it will show).
- Click “Download” if available (PDF download of insurance certificate will start.
Advantages of Downloading Your Bike Insurance Copy Online
| Benefit | Explanation |
|---|---|
| Convenience | |
| Rapid Resolution | No need to visit branches or wait for physical copies. |
| Environment Friendly | Reduces the need for paper documents. |
| Multiple Backups | Save digital copies across devices for easy access. |
| Ease of Renewal | Digital copies make the renewal process easy by referring quickly. |
Why Are Physical Insurance Copies Not Safe?
Carrying the physical original copy of your insurance document with you all the time is not safe, especially when you can carry a digital soft copy. Here’s why physical insurance copies are not safe:
Damage Risk
Takes Space
Theft Risk
Misplacement
The physical copy can easily be torn, spilt on or damaged due to a mishap. Getting a duplicate of a physical copy is a huge hassle and a lengthy task.
You will need to keep a dedicated space in your two-wheeler to keep the documents safe from theft, spills or damages.
A bike insurance policy can contain sensitive personal information which can be used against you for fraud if it's stolen. A physical copy has no security whatsoever when compared to a digital one.
A physical copy of your bike insurance policy can easily be misplaced by you. It can be lost in the amount of documents you keep together, finding it at the time of need can become difficult.
Conclusion
In today’s era, almost everything is getting digital. Now, you do not have to worry about carrying each and every document with you while you travel. You can just save a soft copy of your bike insurance policy in your device and get around the day. If a traffic cop stops you to check your documents or you require to show your policy to someone who wants to buy your motorcycle or for claims, you can just pop up your phone and show them the soft copy. Digital copies have made life easier and the environment happier.
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Frequently Asked Questions
Can I download my bike insurance copy online?
Yes, you can download your policy document online through your insurer’s website, email or parivahan portal.
What Happens if I do not Carry Two-Wheeler Insurance Copy While Riding?
If you do not have a hard copy or a soft copy of your two-wheeler insurance copy you might face some hefty fines depending on the city you live in (Generally ₹2,000 to ₹4,000).
Will I be Penalized if I Carry Soft Copy of My Two-Wheeler Insurance Policy?
No, a soft copy of your two-wheeler insurance is considered valid and you cannot be penalised for carrying a soft copy.
