Driving safely on the road necessitates the purchase of insurance. If you don't have two-wheeler insurance or are putting off renewing it, you should get it right now because failing to do so could result in a hefty fine and jeopardize your safety.
A two-wheeler insurance policy is a crucial legal document that details the terms and conditions of the contract between the insured and the insurer. And, because it is essential in India for all two-wheeler riders to have at least third-party bike insurance, you may be fined if found riding without it. Furthermore, if you do not have the necessary documentation, you will be unable to file a claim in the event of a mishap.
According to the Motor Vehicles Act of 1988, any two-wheeler driving on Indian highways must have a valid two-wheeler insurance coverage. If you are discovered driving without insurance by traffic cops or motor department staff, you will be fined Rs.2,000 under the new Motor Vehicles (Amendment) Bill 2016.
Tips to Follow if Your Two-Wheeler Insurance Document Gets Lost
- The first step is to search thoroughly for your two-wheeler insurance documentation in your home, business, and vehicle. There is a good chance that it is a false alarm that has fallen or been relocated.
- If you are unable to locate your two-wheeler insurance documents, you must stop operating your two-wheeler until the documents are replaced or located.
- Before you can ride your bike or scooter, you must apply for a duplicate copy of your two-wheeler insurance and wait for the documentation.
How to Download Bike Insurance Copy Online?
If you acquired your two-wheeler insurance policy online, getting a duplicate copy of bike insurance will be easier and simpler. You will need to take the following actions to accomplish this:
- Go to the website of your insurance company.
- Choose the type of policy.
- Enter your policy information, such as the policy number, etc.
- If prompted, verify your profile.
- View, print, or download your bike insurance policy after verification.
In addition, if you purchased the two-wheeler insurance policy online, the insurance provider must have provided you with a copy to your registered email address. You can also use it for commuting or filing a claim in the meantime.
How to Get Duplicate Two Wheeler Insurance Copy Offline?
Inform Your Insurer
You must notify the bike insurance company that a duplicate document is required. They are the document delivered, and they are the only ones who initiate the process of issuing a duplicate document.
File an FIR
Your insurance may request an FIR, thus filing an FIR with the nearest police station about the loss of the document is critical. You will be asked to include a copy of this FIR.
Advertise in newspaper
Declare in a state newspaper that your two-wheeler policy document is missing. You may also be required to send a copy of the advertisement to the insurance company.
Sign an Indemnity Bond
The final step would be to sign this bond with the insurer to obtain a duplicate copy of your insurance document.
Steps to Apply for New Bike Insurance Policy Online
Consider purchasing bike insurance from Coverfox if you want a strong, reasonable, and comprehensive bike insurance coverage. With online transactions, we provide a complete digital experience. The savings from a direct-to-customer strategy and 0% commissions are passed on to you in the form of low-cost bike insurance products. Here are the procedures for applying online for a new bike insurance coverage.
- Visit the our website
- Enter your bike details and previous policy details (if available)
- Select the plan and pay the premium amount instantly
When you acquire a Coverfox bike insurance coverage, no physical paperwork is necessary. We will send the digital insurance certificate to your registered email address once you have purchased the plan. You can use the same document to save it in DigiLocker so that you can provide it anytime you are requested.
Is It Necessary to Carry a Hard Copy of the Bike Insurance Policy?
All bike owners are required to have a bike insurance policy when operating their bikes in the country; otherwise, they may be fined Rs. 2,000 and imprisoned for up to 3 months. The Insurance Regulatory and Development Authority of India (IRDAI) has, on the other hand, introduced the e-Vahan Bima app to make it easier for bike owners to carry their policy documentation. The programme is intended to assist bike owners in carrying the bike insurance policy document in soft copy rather than hard copy form. The e-Vahan Bima has a QR code that contains all of the details of the bike insurance policy, and police officers only need to scan the code.