Guide to Get a Duplicate Copy of Your Car Insurance Documents
Updated On Oct 15, 2023
A car insurance policy renders tremendous protection against any damages for the vehicle during the policy year. To register claims, it is important to produce the insurance document, and in the event of its loss, a new document can be obtained easily.
The insurance document of the vehicle is one of the few important documents that we cannot afford to lose. Losing the document puts the safety and the security of the vehicle at stake and also, the owner may be charged with penalties for driving without insurance. Thus it is important to apply for a duplicate car insurance document, in the event of missing the original copy, at the earliest.
Steps to Get Duplicate Car Insurance Documents
It is illegal to drive a vehicle without third-party Car insurance cover in India. Thus, it is important to immediately apply for duplicate copies of the papers after learning that the original is lost. The procedure to apply for the duplicate policy is as follows.
1. Inform the Insurance provider:
This is the first thing to do, soon after learning that the policy papers are lost. Informing earlier will help them in issuing the duplicate document at the earliest. The insurer can be notified through their customer assistance number or their email id, found on the website of the company.
2. File a Complaint with the Police Department:
Some insurance companies will ask for the police FIR copies to issue duplicate documents. This copy has to be submitted along with the written application to the Car insurance company.
3. Submitting the Application with the Insurance Company:
The owner of the vehicle should submit a written application to the insurance company to get duplicate policy papers. While filling the application, it is important to feed vital details such as policy number, name of the policyholders, type of cover, date of the insurance, etc.
4. File an Indemnity Bond:
This is an important step in applying for the duplicate insurance policy and in this bond, the policyholder will offer an assurance that they will indemnify the company, if any other person apart from the nominees, make a claim for the vehicle in the future. This bond should be acknowledged by a notary and the policyholder has to pay the stamp fee to file the indemnity bond. This has to be submitted with the insurance company, to avail duplicate policy papers.
Applying for Duplicate Insurance Document Through Online Mode
Applying for copies of the insurance document is easy when made online, as most of the insurance companies have an e-portal. This portal can be used to renew a document, file claims, and also obtain a duplicate policy paper. Users can log in to the portal through their credentials such as policy number, customer name, and id, etc., and download the policy papers. The step by step process of online application is as follows.
- Visit the website of the insurance provider
- Login through user credentials and password
- Choose the download option to get a copy of the policy
- Feed the policy number and the registered mobile number
- Enter the OTP received on the mobile phone at the portal for verification.
- Enter the registered Email ID
- A copy of the insurance paper will be sent to the email ID in the PDF format
Even if the policyholder has lost the policy document, there is no need to panic and they can get their duplicate policy papers either online or offline mode.
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.