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Can Car Insurance be Purchased Without Driving Licence and Registration Certificate?

Published On Nov 05, 2020 12:00 PM By InsuranceDekho

Though a driving licence and registration certificate are crucial to file for car insurance claims, here is how you can do the same without it.

A car insurance policy provides protection for your car in case of a mishap by compensating the cost of damages. To make a car insurance claim a driving license and registration certificate are usually required. However, it is also possible for car insurance to be bought without a driving licence and a registration certificate. For this, it is important to have a loss of license or RC add-on. In this article, we will tell you everything you need to file your claims, without a driver’s license or RC.

All About Loss of Licence/RC Add-on For Two-Wheelers

It is also possible to make a claim for your car insurance without a driver’s license and/or registration certificate with a loss of licence or RC add-on. With this cover, you can make a claim without these statutory documents. Under this add-on, the cost of replacement of Driver’s Licence/RC is taken care of if it gets lost/ misplaced or damaged. Like other add-ons, this cover is also available for purchase at a nominal price with standalone own-damage and comprehensive two-wheeler insurance policies.

How to Claim Car Insurance Without Driver’s License or Registration Certificate?

You can make a two-wheeler insurance claim without a Driver’s Licence/RC in the following manner:

Step 1: Submit an FIR for the loss of your driver’s license and/or registration certificate.

Step 2: Intimate your insurance provider of the loss. Mention that you would like to avail your add-on coverage for loss of Driver’s Licence/RC.

Step 3: Fill in the respective forms from the RTO and provide the required documents.

Step 4: Submit the documents to the RTO and the insurance provider and your duplicate documents and compensation for it will be initiated within a few days.


In a nutshell, with the Loss of License or RC Cover, you can avail compensation for damages from your insurance company without these crucial documents. In case your car has not received its permanent registration or you are a car owner who does not drive, this is specially designed to fit your needs. Moreover, this cover is available at a low price and comes handy in case of loss of driver’s license and/or registration certificate as well. Lastly, one thing to keep in mind, this cover is not available for third-party insurance and you will need an FIR at the time you are placing your claim for the loss of these documents.

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.

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