The importance of a four-wheeler insurance policy while on the roads cannot be underestimated. Aside from helping you comply with the law, a well-designed policy provides you with the assurance that your finances will be safe in the case of damages to your car. The Motor Vehicles Act of 1988 makes it legally necessary for any car owner to have basic third-party coverage to be able to drive on Indian roads. Many people often choose to opt for a comprehensive policy that covers a wide range of risks and dangers.
Regardless of the type of coverage you have, losing the policy documents can be an unpleasant situation. It can put you in conflict with the law and cost you financially in the event of an accident. Obtaining a duplicate car insurance policy online can help immensely in this situation.
How to get a duplicate car insurance policy online
Traditionally, the process to receive the four wheeler insurance policy documents include having to go to the insurance branch and inform the insurer, besides following other legal procedures. Nowadays, digitalisation has eased the process quite a lot, in the following ways:
- Visit the insurer’s website
Once you have confirmed that your policy documents have been lost, the first step to follow is to visit the insurance company’s website. Once on the website, browse to the page/tab wherein you can access your account on the website. *
- Enter credentials
Now, you need to enter credentials as requested. Usually, you will be asked to provide the ID number or the policy number of your comprehensive or third-party car insurance policy. *
- Take a print-out or download
After you enter the credentials, you will have access to the soft copy of your insurance policy. You must check through the document once to ensure its veracity. You can choose to download the document or print it out depending on your convenience.
This procedure can be used to carry out several insurance-related processes from your end. For instance, if your policy term is about to end, you can opt for car insurance renewal once you have logged in to your account. *
* Standard T&C Apply
The alternative route
If you want to apply for a duplicate car insurance policy the offline way, then you must follow these steps:
- Inform the insurer – Visit the insurer’s branch office and let the insurer know that you have lost your policy documents.
- File an FIR – Having police verification helps in leveraging your application for a duplicate insurance policy.
- Apply for the policy – Submit a written application, providing details and mentioning your predicament.
- Obtain an indemnity bond – An indemnity bond that has the signatures of two witnesses and is acknowledged by a notary must be submitted to the insurance company.
You also have the option to buy new third party car insurance or a comprehensive policy if you do not have access to details, such as the policy number. Ensure to take swift action as driving a car without a valid policy is not legally allowed in India.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
* Standard T&C Apply