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Steps To Find Lost Car Insurance Documents

Published On Mar 20, 2021 11:00 AM By InsuranceDekho

You might someday find yourself in a situation where you have misplaced your car insurance policy document. Read on to find out the steps to get them replaced, both offline and online.

Getting your car insurance policy documents replaced is not a difficult process. If you ever misplace your car insurance documents or if they are partially destroyed, it is important to get a new policy document at the earliest. Read about the different methods of doing so. 

Steps To Find Lost Car Insurance Documents

How To Get Duplicate Car Insurance Documents? 

The following are the different methods of getting duplicate car insurance documents:

  • Online Method 

To get your car insurance policy documents replaced through the online method, you can take advantage of the advent of digitisation and get your new documents in a few short steps. You will have to visit the website of the car insurance company and log in using details such as your policy number and other identifying details, and you will be able to view and download your car insurance policy document. 

  • Offline Method

To get your car insurance policy documents replaced through the traditional offline method, take the following steps:

  • STEP 1: Inform Your Insurance Company 

The first step is to intimate your insurance company knows about the loss of documents and the need for replacement. It is important to do this at the earliest possible moment. Do so through phone or email. 

  • STEP 2: File An FIR

If your policy papers have been lost and you are unable to trace them, you will need to file an FIR (First Information Report) with the police. You will need to then submit the FIR copy to your insurance company alongside a written application for the replacement of your insurance policy document. 

  • STEP 3: Publish An Advertisement In The Newspaper 

You will have to publish an advertisement in a state newspaper regarding the loss of your car insurance documents and bear the cost of the same. 

  • STEP 4: Submit An Application To The Insurance Company 

In addition to informing your insurance company of the loss of documents, you will have to submit a written application for the same with which you will have to request them to issue a duplicate vehicle insurance policy. You will have to mention details such as type of coverage, policy number, date of issue, your name, etc. Alongside these details, submit the aforementioned FIR copy with details about how the loss of documents occurred. 

  • STEP 5: Get An Indemnity Bond 

The final step would be for you to get an indemnity bond to get the duplicate car insurance policy document. You will have to get this document notarised. Make sure that the indemnity bond includes your full name, as well as signatures from two witnesses. You will have to pay the required stamp paper fee in order to procure the indemnity bond. You will then have to submit the indemnity bond to your insurance company in order to process your request for a copy of your car insurance policy document. 


As you can see, there are two methods with which you can have your car insurance policy documents replaced. The online method is especially easy, and you are now equipped with the knowledge of the steps required in the offline method as well. 

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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