How to Get Duplicate Car Insurance Copy Online in India?

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Updated on Sep 26, 2022

You may not realize it, but having an insurance certainly helps by supporting you financially during a crisis situation. Since auto insurance is obligatory in India, it is important to insure your car and to keep the policy documents easily accessible while driving on the roads. If you ever befall an unforeseen situation with your car such as, damage caused due to an accident, theft or any other risk, the car insurance supports you by relieving you of a major financial loss.

But what if you lose your car insurance documents? Can you still claim for the damages without proper papers of your car insurance policy? How to get duplicate car insurance copy online/offline. Read on to know all about it.

What happens if you lose your car insurance documents?

Losing your car insurance documents can lead to a difficult situation. You might even have to face penalty. However, you should be aware that getting a duplicate copy of your car insurance policy is an option. By using the right approach, you can recover your car insurance documents and get a duplicate copy of the same.

How to obtain the duplicate copy of your car insurance policy?

You can obtain the duplicate copy of your car insurance policy in different ways using online and offline methods. In the online method, you can download car insurance policy to get the duplicate copy of your documents, while by using the offline approach, you can get a hard copy of your policy documents.

The offline method is the conventional one that has been in use for long. However, with the availability of online insurance policies, people these days prefer to use the online method to buy and procure duplicate copy of their insurance.

Ways to obtain duplicate copy of Insurance

  • Inform your insurance company: The first thing that you must do is to notify the insurance company about the loss of your insurance papers at the earliest. Once they are notified, the company will start processing your application to get a duplicate copy of the policy. You can call at the toll free number of the insurance agency and talk to their representative to notify them. You can even write an email to inform them about the same.
  • File an FIR at the nearest police station: Another important thing that you must do straightaway after losing your insurance documents is to file a police compliant and get a copy of the FIR. This copy would need to be submitted at the office of your insurance provider as proof of the claim. This will help in getting the process initiated at your insurance provider’s end to help you procure your duplicate copy of the policy documents.
  • Publish an add at the local newspaper: This is another requirement in addition to filing a police complaint at the local police station. You must print an ad in the local newspaper in the ‘lost and found’ section claiming that you have lost your insurance documents. The newspaper where you publish your ad should have circulation across the state. Of course, you will have to bear the cost of the advertisement in the newspaper to retrieve your car insurance copy.
  • Now submit an application to your insurance company: The next important thing that you must do to get duplicate copy of car insurance offline is to submit an application to your insurance provider. The application should offer details of your insurance policy and how you lost the papers. This application you have to submit along with FIR copy to your insurance provider.
  • Procure an indemnity/security bond: Finally, the one last thing that you need to procure your duplicate insurance papers is to get an indemnity bond. An indemnity bond is a tie that promises a reimbursement to the holder of the bond against any claimed loss. You must submit this bond along with other papers to your insurer. The bond must be signed by two people and should be stamped by the notary. Submitting this bond is very crucial as the process of obtaining your duplicate insurance papers can’t be completed unless you submit this paper to your insurance company.

Ways to get duplicate insurance copy: how to download car insurance policy?

In addition to the offline method, you can use the numerous online options to obtain the duplicate copy of your car insurance documents. In fact, online methods of car insurance copy download are fast and efficient and your work is done easily without stepping out of your comfort zone. All you need is to copy download by visiting the website of your insurance company. But, the facility of procuring your duplicate insurance copy online is available for those who have purchased their insurance policy online.

Here are the steps to follow:

  • Visit the portal of your insurance agency/provider.
  • Login to your insurance page by using the credentials provided to you.
  • You have to submit details like policy number, name, mobile number etc.
  • Now check the options to download your policy.
  • You may get the details in your email.
  • Get a print out of the document.

Also Read: Easy Ways to Check Car Insurance Status Online

Conclusion

Having an insurance is important as well as a necessity to drive safely on the roads in India. Without an insurance you might incur huge monetary loss if your vehicle gets into an untoward situation. Insurance indeed helps by supporting you monetarily during any crisis situation.

Moreover, in India vehicle insurance is compulsory by law. So, keep your car insured with a good insurance policy offering better coverage. And also keep your policy papers handy while you are on the roads with your vehicle. If you somehow lose your car insurance papers by mistake, there are many ways – online and offline – to procure the same. But again you can download car insurance policy online only if you have purchased your insurance policy online.

Jan 31, 2022
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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