Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Lost Your Two-Wheeler Insurance Policy? Learn What To Do Next

Updated On Oct 18, 2023

Lost Your Two-Wheeler Insurance Policy? Learn What To Do Next

A bike insurance policy paper contains details on the bike that is insured. It is also the key piece of documentation you will require to submit a claim in the event of an emergency, such as an accident or other natural disaster. You won't be able to file a claim or get coverage benefits if you don't have bike insurance. In addition, every bike owner using the roads must have an active third party insurance coverage, according to the Motor Vehicle Act of 1988.
According to the new Motor Vehicles Bill 2016, if you are found riding without one, you will be penalised by the traffic police or motor department officials. To know more  about recovering two-wheeler insurance documents, read on.

Lost Your Two-Wheeler Insurance Policy? Learn What To Do Next

What To In A Scenario Where Someone Loses Their Two-Wheeler Insurance Documentation?

Following are the things an individual should do in a scenario where they lose their two-wheeler insurance documentation - 
Filing Of FIR - The first step is to notify the local police station of the paper loss by submitting a FIR (First Information Report). You must report the event to the local police station that is responsible for handling it. Mention the name of your insurance company, the kind of motorbike coverage you have, and any riders or add-ons you may have. 
You must submit an application after reporting in order to get a copy of the FIR from the police station. Acquire an authenticated copy., and then send it along with evidence of the loss of the insurance policy to the insurer. When sending paperwork to the insurer, don't forget to include a copy of the FIR as well as the FIR application.

Submission Of Application - Send your insurer an application in writing. In the application, be sure to provide all the pertinent information. For instance, the entire name of the policyholder, the policy number, the date of issue, and the kind of cover The justification for applying the duplicate policy document must be stated. The application must be submitted jointly by all policyholders if the insurance is held jointly. The insurance provider often levies a small cost that must be paid at the time of applying for duplicate bike insurance documents in order for the duplicate policy document to be issued.

Publication Of Advertisements - This is one of the crucial methods that may assist you in recovering your misplaced bike insurance documents. Some insurance companies additionally urge you to place an ad in your community's newspaper indicating that your policy documents have gone missing. You will be responsible for paying the publication costs for the advertisement. And don't forget to carry and give your insurance company a copy of this advertisement after it appears in the newspaper.

Bond Of Indemnity - The indemnification bond must be executed. The indemnification bond is typically written with a non-judicial stamp of the appropriate value, requesting the duplicate insurance. The entire name of the policyholder and the policy number should be listed on the indemnity bond. This indemnification bond must be signed by two witnesses who are not members of the policyholder's family in order to be taken seriously. For you to file the surety bond for particular policies, certain insurance firms will additionally need that you have a stable financial situation.


The legal obligations are also covered by a bike insurance policy in addition to the physical damages. It gives an individual a sense of financial security and shields them from legal consequences if they break the law. It is therefore essential to prevent losing the bike insurance coverage altogether. In case an individual loses their bike insurance documents, they should proceed according to the steps.

Also Read: Do Dirt Bikes Need Insurance?


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.

Explore more before buying Car Insurance

    must dotmust graphics

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 Lac happy customers
    • Claim Support available all 7 days of the week

    People Also Read