How to Get Duplicate Two Wheeler Insurance Copy Online?

Over the past few years, the demand for electric bikes and scooty has increased tremendously. As per our Statista, in 2023, around 15.86 million people purchased two-wheelers in India. [1] Two-wheelers have become an easy ride for many people across India. Be it a scooter, bike, or other two-wheeler, people find it easy to ride and manage transportation sources. But, looking at its benefits, one cannot ignore the fact that the number of road accidents by two-wheelers is also high. Apart from getting insurance for your life, it has also become crucial to get your vehicle insured. If you do not have a proper insurance policy for your two-wheeler, you are not only endangering your vehicle's safety but also breaking the law and losing financial support.

No matter whether you drive a car or a bike, as per the Motor Vehicles Act of 1988, each vehicle owner must carry a valid license, a PUC certificate, and an insurance policy. If any of these standards are violated, the vehicle owner is eligible for heavy fines. Hence, it is crucial to carry the documents at all times. But, if for some reason the original insurance copy is lost, stolen, or damaged, make sure to get yourself a duplicate two-wheeler insurance copy to avoid any misadventure.

Let us learn more about a duplicate two-wheeler insurance copy, its importance, and the steps to get it online.

What is a Duplicate 2-wheeler Insurance Copy?

A duplicate two-wheeler insurance copy is a replacement document that insurance companies provide in case your original documents get lost or damaged. The duplicate copy acts as proof for making a claim and must be available at all times with you for legal purposes. No matter whether you met with an accident or traffic authorities pulled you for a check, having a valid insurance copy is essential.

How To Get a Duplicate Two-Wheeler Insurance Copy?

Follow the following steps to get a Duplicate two-wheeler Insurance Copy:

Step 1: First and foremost, inform your insurance company about the lost policy documents. Contact the insurer using the toll-free number or visit the nearest branch office for duplicate copy process initiation. The insurer will also guide you through the different steps involved in the process.

Step 2: File a First Information Report (FIR) at the nearby police station reporting about the lost document. Make sure to provide your policy number, add-ons, or riders clearly. After getting your complaint filed, request for the FIR copy and submit it to your insurance company along with the FIR application as proof of missing documents.

Step 3: Submit a written application for a copy of your two-wheeler insurance policy to avoid paying heavy fines. Provide all the policy-related details, including the policyholder's name, the policy number, date of issue, coverage type, registration number of the two-wheeler, and why you need it, in the application. Also, give an account of the events that preceded the misplacement of the insurance policy paperwork. Remember, you and the other policyholder must sign and submit the application along with the FIR copy if your insurance policy is held jointly to obtain a duplicate copy.

Step 4: Publishing an advertisement in the event of loss of two-wheeler insurance documents is mandatory by law. Make sure your advertisement includes the policyholder's name, policy number, the name of the insurance company, and the registration number. Once published, submit a copy of your published advertisement to the insurer.

Step 5: Signing an indemnity bond is compulsory as it serves as a guarantee for the insurer. The insured individual is required to sign on non-judicial stamp paper that includes information related to the policy, i.e., policy number, the name of the policyholder, and co-policyholder (if any). Also, two other witnesses (who do not belong to the policyholder's family) must sign for credibility. To ensure you are capable of paying, if necessary, the insurer may additionally request documentation of your financial state at the time the bond is signed.

After filing all the documents, the insurer runs an investigation and verifies all the documents. If it finds that the information provided is genuine, a duplicate copy of your two-wheeler insurance policy is issued within a few days.

Steps To Get Duplicate Two-Wheeler Insurance Copy Online

Follow the below-listed steps to get yourself a duplicate copy of two-wheeler insurance online:

Step 1: Go to the official website of your insurance provider.

Step 2: Select your policy type, i.e. bike insurance or two-wheeler insurance under the 'Insurance products' category.

Step 3: Provide your policy details, model, variant, mobile number, and other requested information on the screen.

Step 4: You will receive an OTP on your registered mobile number for verification.

Step 5: Once verified, you can view, print, or download the duplicate copy of your two-wheeler insurance policy.

For a physical copy, reach out to your insurer directly or call the toll-free number provided on the official website. Another way to get yourself a Duplicate Two-Wheeler Insurance Copy is to visit the nearby branch and get it offline.

How to Get Duplicate Two-Wheeler Insurance Copy Offline?

If you have lost your two-wheeler insurance, here is how to apply for a duplicate two-wheeler insurance copy offline:

1. As soon as you realise that your two-wheeler insurance documents are missing, inform your insurers right away. This is a crucial step and must not be missed. If your insurer has specified a timeline to intimate them, then adhere to that.
2. If you lost your bike insurance due to a road accident/theft, inform the insurers within 24 to 48 hours of the incident. Your insurer may need you to file an FIR. 
3. Advertise in the newspaper and preserve the cutting for further use.
4. Submit a written application to the insurance company that includes the following details.
   • Policyholder’s full name
   • Policy number (if known)
   • Date of policy issuance
   • Type of insurance coverage
   • Circumstances under which the policy was lost
   • Attach the FIR copy and a copy of the newspaper advertisement with this application as supporting documents
5. Sign an indemnity bond on paper pay fees if any is required.
6. Collect your duplicate copy.

Can I Use Digital Insurance Copies While Riding?

Yes, you may now carry a digital copy of your bike insurance while riding. The Ministry of Road and Transport have approved the use of digital documents stored in DigiLocker or MParivahan.

Why is it Important to have a Duplicate Bike Insurance Copy?

Carrying a duplicate insurance copy for your bike is very important for several reasons. Here they are listed below: 

1. Legal Compliance: It is very important to carry an insurance copy while you are riding because if you fail to present one, then you may have to face hefty fines. Also, it is not advised to carry the original insurance copy all the time, so present the duplicate one.

2. Helps in Claiming Insurance: In case you need to make an emergency claim, then you will have to present a document at that moment. The document will have important information that can help the insurance company accept your claim. 

3. Protection Against Loss: Your insurance policy documents may get misplaced or destroyed; then what will you do if you need to claim or present the documents? At that time, having a duplicate copy can only save you. 

How to Download Bike Insurance Copy using the Vehicle Number?

The insurance copy of your bike contains a vehicle number for your bike, which is directly connected to the chassis number and the engine number. This vehicle number can help you to download the insurance copy online by following some small steps: 

Visit the official website: First visit the official website of the Ministry of Road Transport and Highways or your state transport department’s website. 

Enter Vehicle Details: Give the registration number of your bike, and then click "submit.”.

Details of Policy: All the important information about your insurance policy will be displayed on the screen.

Insurance Information Bureau: You can also visit the Insurance Information Bureau’s website to get details about your insurance company, regulated by IRDAI. 

 Insurance Provider Website: After you have checked all the details about your insurance, visit the website of your insurance company. 

Download policy: Now you can easily download a copy of your insurance by giving all the info.

Conclusion

No matter if you are buying a car or a two-wheeler, considering the number of road accidents that happen every year in India, it is quite essential to buy insurance for your vehicle. At least your damage cost will be recovered with the help of that insurance. Also, when getting insurance, having a duplicate copy of your insurance is necessary for legal needs and emergency claims. 

FAQs

1. What is two-wheeler insurance?

Ans. Two-wheeler insurance is a policy that offers financial protection and stability against accidental damage or loss caused when driving two-wheelers (electric bikes, scooters, or mopeds) across the city.

2. Is it mandatory to carry an insurance policy copy?

Ans. Yes, it is compulsory to carry an insurance policy and other crucial documents when driving a two-wheeler. In case, you don’t have an original insurance copy, you can present the duplicate two-wheeler insurance copy to the authorities.

3. Is it possible to get a duplicate copy of my two-wheeler insurance?

Ans. Yes, you can obtain a duplicate two-wheeler insurance copy online or offline by contacting your insurer.

4. Can a Mobile App help with insurance copies?

Ans. There are certain mobile applications available that help insured individuals save digital copies of important documents, including insurance, licenses, and more. For example, mParivahan and DigiLocker, these mobile applications guarantee easy access and safety of your crucial documents.

5. Can I purchase new insurance online?

Ans. Yes, you can reach out to InsuranceDekho to buy new two-wheeler insurance and get complete coverage.

6. Do insurers charge for getting a duplicate two-wheeler insurance copy?

Ans. Some insurance companies may ask you to pay a nominal fee while others may offer the duplicate copy for free. The act completely depends on the insurer's policy.

Read More:

How to Get Bike Insurance Details by Registration Number

Two Wheeler Insurance Claim Settlement

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.