How To Get Duplicate Two-Wheeler Insurance Copy Online?

In India insurance is compulsory for everyone who owns a vehicle. Though many people think that insurance is required only for driving four-wheeler vehicles, but the fact is having an insurance is obligatory by law for a four-wheeler and a two-wheeler vehicle. So, for driving on the Indian roads, you must have an insurance policy for your two-wheeler.

If you own a bike or you are planning to buy a two-wheeler, you must, at least, have a third-party insurance policy to save you from being caught by traffic police.

A two-wheeler insurance plan is an official document that explains the explicit conditions of contract between the insured person and the insurance company.  If anyone is caught riding a bike without an insurance plan for their two-wheeler, they can be penalized or punished for the same. Further, in case of an accident, you will not be able to make any claims if you don’t own an insurance policy.

Also Read: No-Claim Bonus (NCB) in Bike Insurance

If you want to know how to download an insurance copy or how to obtain a duplicate copy online, just read on.

What must be done if your bike insurance copy is lost?

Since bike insurance is an important document, most people keep it with utmost care. However, if by mistake you lose your policy documents or misplace them, you must follow the below tips:

• Before raising an alarm, first search thoroughly in every possible place where your documents might be kept.
• If you still couldn’t find your policy documents, you must immediately stop using your bike unless your document is recovered or you get the duplicate copy of your policy.
• For obtaining the duplicate copy of your bike insurance you must apply in your insurance company by submitting an application.
• However, unless you receive your duplicate copy of insurance, do not ride your vehicle on the roads.

Process to download duplicate copy of bike insurance online

People who have purchased their bike insurance online can easily get their duplicate bike insurance copy download. You just need to follow the simple steps given below:

• Go to the website of your insurance company
• Opt for the type of policy that you were using
• Submit all the details of your policy, such as policy number, name etc.
• If required, you will have to verify your profile
• Once verified, you will be able to view your policy details as well as print or download the same

Process to obtain duplicate copy of two-wheeler insurance offline

If you find it difficult to get a duplicate insurance copy via online means, you can use the traditional method to get a duplicate version of your insurance policy document. For offline process, you must follow the below steps:

• Notify your insurance company – Of course, you must inform your insurer immediately after you realize that you have misplaced your policy document. Only when you inform the insurance company, they can continue with the process of getting a duplicate copy. You can connect with them on their toll-free numbers or write an email.
• Report at the nearest Police Station – The second step is to file an FIR (First Information Report) and send a copy of the FIR to your insurance provider together with an application.
• Indemnity Bond – You might even require to sign an indemnity or security bond on a stamp paper. The non-judicial bond should contain your name and sign of two people as witnesses. This you must submit to the insurance company.
• Place an ad in the Newspaper – As a final step, you must place an ad in a regional newspaper mentioning that you have lost your bike insurance policy document. A copy of the ad might also be required by your insurance company.

Once all the documents are submitted with the application, your policy provider will process the request and once documents are verified, you will get a duplicate copy of your policy.

Steps to purchase a new online bike insurance 

Buying an insurance policy online has many benefits. If you want to know how to get insurance copy online or how to buy an online insurance, here are the steps to follow:

• Visit the site of PayBima or any insurance provider
• Choose the bike insurance option from the menu at the main page
• Submit the details like registration number of your vehicle, model no. and year etc.
• Now, click the “Get Your Quote” tab
• Submit your personal details
• A page will appear with information of the insurance plans for your required category
• Now choose the best plan available with the required add-ons
• Finally, pay for policy and you will receive the documents of your policy in your registered phone number

Is it a requirement to always carry a hard copy of bike insurance?

Having a copy of insurance is very important while driving a bike without which you might have to pay a penalty of Rs. 2,000. Also, you might land in jail and get imprisoned for over 3 months. However, if you don’t have the hard copy of the document, you can produce a soft copy with the help of e-Vahan Bima app to avoid fine. The e-Vahan Bima app is so designed to help bike drivers to carry soft copies of their insurance plan in place of hard copy. The app provide a QR code, which the traffic police can scan to get details of your insurance plans.

For online policy owners and others who are willing to have a hard copy of the insurance document can download the PDF of the document and get a print out.

Also Read: Things to Know Before Buying Bike Insurance Online

Is it possible to make changes in bike insurance policy?

If you need to update or change anything in your policy document, you can call at the customer care center of your insurance provider and convey your request, and the changes will be updated as per the company norms.

To Conclude

Since the absence of an insurance policy can get you into trouble, you must know how to download bike insurance copy online so that you can keep a soft copy with you as a safeguard.  And for that you can use apps like DigiLocker or mParivahan to save a soft copy of your insurance policy as well as other necessary documents.

Further, if you lose your policy documents, you can get a duplicate copy of the same by using the different ways as mentioned above.

Also Read: 4 Things You Should Do As Soon As You Get A New Bike