When driving in India, there is a list of documents that you need to carry with you at all times. It includes a valid driving licence, an active motor insurance plan, vehicle registration certificate, and PUC. Failing to present any of these documents will attract hefty fines under the New Motor Vehicle Act 2019.
Moreover, losing any of these documents can get a little overwhelming, especially if the document is a car insurance plan. As we all know, a comprehensive car insurance plan covers third-party liabilities and damage to your vehicle as well. It is a much-required financial protection in case of accidents, theft, and loss due to natural or man-made calamities.
But what happens if you do lose your car insurance policy? Well, don’t worry! You can quickly get a duplicate car insurance copy. Let us tell you how.
How to Get Duplicate Car Insurance Papers?
The process of getting a duplicate car insurance policy is not a daunting task. In fact, if you purchase car insurance online, getting a duplicate policy becomes much easier. To get a car insurance duplicate copy online, follow the steps given below.
Steps To Get Your Lost Car Insurance Policy
1. Inform your insurer immediately
When you realise that you have lost the car insurance document, the first thing to do is to inform the insurer immediately. Call the insurer on their toll-free number or get in touch with them via an email. It would be best if you notify the insurer of the loss of your car insurance plan as soon as possible. That way, the insurer can initiate the process of issuing a duplicate insurance copy.
2. File an FIR (First Information Report)
After informing your insurer, file an FIR about the lost car insurance plan at the nearest police station. Share the copy of the FIR received with the insurer along with a written application. This step helps you justify your position when applying for a duplicate car insurance plan.
3. Publish an advertisement for the lost paperwork
The next thing you need to do is publish an advertisement in the state newspaper regarding the loss of your car insurance policy. Know that you will have to bear the cost of ad publication from your pocket.
4. Submit an application for duplicate car insurance with your insurer
You also need to send a formal application to your insurer requesting to issue a duplicate car insurance plan. Remember to mention your full name, insurance policy number, date of issue, coverage type, etc. in the application. Along with this, attach the FIR copy with details of how you lost the car insurance plan.
5. Get an indemnity bond
Lastly, you must get an indemnity bond to get a duplicate car insurance plan. The indemnity bond needs to be acknowledged by a notary. Make sure the document includes your full name, signature, and signatures of two witnesses. The stamp paper fee to obtain the indemnity bond is to be paid from your pocket. Once you have the bond, submit it with the insurer who will proceed to issue you a duplicate car insurance plan.
Download Car Insurance Copy
We understand that the traditional procedure of obtaining a duplicate car insurance plan is time-consuming. But today, we live in a digital era. Many insurers have made this process quick and hassle-free for their customers.
The standard process is as follows –
- Visit the official website of your insurer and login with your credentials
- After you successfully log in, you will be able to view a softcopy of your insurance
- Download this copy and take a printout
This eliminates the process of getting a duplicate car insurance plan via the traditional method. You can also avail of other facilities such as car insurance renewal and claim application online.
A car insurance policy is a mandatory document when driving a vehicle. Having a copy of this document with you at all times is necessary. It not only comes in handy in case of any unfortunate events but also helps avoid being penalized.
Buying Bajaj Allianz Car Insurance at Finserv MARKETS ensures that your vehicle is financially protected in case of unforeseen events. In fact, you can avail benefits such as hassle-free car insurance renewal, easy claim settlements, 24×7 car roadside assistance, add-on covers, and so much more. Also, a copy of the car insurance plan is sent to your registered email address after the purchase/renewal.
Moreover, with the Finserv MARKETS App for car insurance, available on both, Play Store and App Store, you can renew your policy quickly, make a claim on it from the comforts of your home or on the go, and have a copy of your insurance plan with you at all times.