• Lost Your Car Insurance Papers? What You Should Do Next…

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    Losing crucial documentation related to your car can be very stressful, particularly if it is your driving license or car insurance certificate that is missing. But you need not worry too much; your driving license, pollution under control (PUC) certificate, and insurance certificate can all be replaced easily. You just need to be aware of how to get the documents replaced.

    Here, we have put together a checklist of things to do if you happen to lose your important car insurance document.

    1. Inform the car insurance company - The first thing to do when you find that your car insurance certificate is lost would be to contact the insurance provider and inform them about the same. It is crucial that you report the incident as soon as possible and get a replacement certificate, as driving without insurance is a crime that will lead to penalties. Under the Motor Vehicles (Amendment) Bill 2016 that was passed in the Lok Sabha in 2017, the penalty for driving without vehicle insurance has been hiked to Rs.2,000.
    2. File a police complaint - Filing a police complaint to report the missing insurance documentation will be helpful in justifying your condition when you approach the insurer for a duplicate copy of the policy. You should also keep a copy of the FIR to present to relevant authorities.
    3. Place an advertisement - It is necessary that you place an advertisement in an English and a vernacular newspaper in circulation within the state where the policy was misplaced or lost. The cost of publishing the advertisement will be borne by the policyholder.
    4. Write to the insurer - You should write an application for a duplicate insurance certificate and submit it to the insurance company. The application should include the policyholder’s name, the policy number, the type of coverage, date of issuance, etc. You should also submit a copy of the police complaint. The insurance company would be interested in knowing the reasons for the loss of the documents; so it is important that you include these details in the application form.
    5. Indemnity bond - The last step in the procedure to request for a duplicate copy of your car insurance is executing an indemnity bond. You should also get the bond affirmed before a notary. Based on the insurance provider and the state in which you reside, you may have to pay a stamp fee for procuring the duplicate. There may also be a fee associated with the issuance of a duplicate certificate. You will have to check with the insurance company on the formalities.

    Once the insurance company receives all the relevant documentation, it will issue a duplicate copy of your insurance policy. The term “duplicate” will be clearly displayed in the document. It is advised to keep your insurance documents safe in a bank locker or opt for an online policy.

    Benefits Of Buying Insurance Online

    One of the most prominent benefits of buying an online insurance policy is the fact that it is easy to maintain and immune to theft/loss. The policy will be available online and can be renewed easily as well. Online insurance is also easy to purchase and does not involve the hassles of indefinite paperwork. Insurance companies are of the opinion that buying insurance online is more safe than purchasing it from agents, as the websites of insurers use global security standards to safeguard sensitive information of customers.

    It is possible to compare insurance between companies and narrow down on a policy that suits your specific insurance needs. It is also possible to go one step ahead and buy insurance after policy comparison directly from the third-party website. This will save you a lot of time and effort that you would otherwise spend on purchasing insurance offline.

    Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      The service of Icici Lambard car insurance service is awesome compared to others in the market. They collected all my documents directly which was an easy process. The payments are through online. It was a good experience with Icici Lambard car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HDFC Ergo Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Hdfc Ergo car insurance service is good. The online portal is easy for navigation with lot of good options. They never asked for any documents as it was an paperless approval. The payments are through online. It was an good experience with Hdfc Ergo car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with TATA AIG from last 3 months and it is a good insurance policy to use. They cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and i pay a premium of Rs 12000 for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I directly purchased my car insurance service from the showroom through Icici. The payments are through cheques. They use to intimate regularly. The payments are through cheques. The staffs where friendly during the process. It was an good experience with Icici car insurance service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 23, 2018
    • ICICI Lombard Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my car insured with ICICI lombard from last 7 years, my claim experience was not up to the mark with this car insurance policy as they covered only bumper to bumper damage. I got a coverage value of Rs 2000 for this claim experience. I pay a premium of Rs 6000 for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 2 years, i am happy with the coverage value of this car insurance. I do not have claim experience so far with this car insurance. They cover bumper to bumper as well as third party damages. I pay a premium of Rs 17000 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • ICICI Lombard Car Insurance
      "ICICI LOMBARD Car Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with ICICI lombard and the premium is 28000. They provide bumber to bumber, road assistance, cashless garages, zero depression, accidental coverage to the first party and the third party. While comparing its a good policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • National Insurance Car Insurance
      "Good policy for car"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance from National insurance and the premium amount is 9000. There was no bumber to bumber included with this policy as it was an old car. They include accidental insurance, and third party coverage. I have to renew the policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with ICICI lombard from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far with this insurance. I am not aware of the premium amount of this car insurance. They cover only bumper to bumper damages for this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2018
    • HDFC Ergo Car Insurance
      "Car insurance with HDFC ERGO"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance with HDFC Ergo and the yearly premium which i am paying is 20000. The provide bumber to bumber cashless garage, road assistance and accidental insurance as well. And yearly i have to renew the policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 19, 2018
    • Shriram Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Recently I have renewed the car insurance from the SHRIRAM GENERAL INSURANCE company. The customer support service and the response is good with the Shriram because they give reminders to renew the policy before the due date. I have paid Rs,12,000 to renew the car insurance from the SHRIRAM GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • Oriental Insurance Car Insurance
      "Good car policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with ORIENTAL INSURANCE and the premium which i am paying is 14000 which i have to renew yearly.The benefits include bumber to bumber, road assistance, cashless and accidental insurance as well. I don't have any claim experience but its a good policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 18, 2018
    • Iffco Tokio Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insured with IFFCO TOKYO from more than 1 year, i had a very good claim experience and they covered 80-90% of the billed amount. This policy covers only bumper to bumper and third party damages. A premium of Rs 30000 has to be paid for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • review Car Insurance
      "Very good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the car insurance policy from the Bharathi axis general insurance company around 5 months ago. I have paid around Rs,40,000 to get this policy this year, because this policy covers bumper to bumper benefits and the policy coverage is good with this policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance with National insurance from last 10 years, i have a very good coverage value for this car insurance. I do not have any claim experience so far with this car insurance. A premium of Rs 2500-3000 has to be paid for this car insurance.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 17, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with HDFC ERGO from last 3 years, i am happy with the coverage valye of this policy, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and the premium amount of this insurance is Rs 13000-14000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with Reliance from last 2 years, i do not have any claim experience so far with this car insurance. I pay an insurance premium of Rs 30000 every year. I am happy with the coverage of this insurance and they cover bumper to bumper as well as third party.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 14, 2018
    • Liberty Videocon Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I was having a car insurance with Liberty videocon from last 1 year, i do not have any claim experience with this insurance policy and i find the coverage value is good when compared to other insurances. I pay a premium of Rs 12000-15000 for this insurance policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 12, 2018
    • Iffco Tokio Car Insurance
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a car insurance policy from the Top most private sector insurance company IFFCO TOKIO GENERAL INSURANCE. The important benefit is the claim procedure is very easy and simple. My idv value for my vehicle is Rs. 11k.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 12, 2018
    • Chola Ms Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently insured my car with Cholamandalam insurance, i do not have any claim experience so far with this insurance and i have a coverage of bumper to bumper damages. A premium of Rs 8000 has to be paid every year for this car insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 12, 2018
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