Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • 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
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy with ICICI lombard from last 1 year, i am happy with the coverage value of this insurance policy. A premium of Rs 7000 has to be paid every year for this insurance policy. They cover bumper to bumper damage and i had no claim experience so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • HDFC Ergo Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I got Car insurance from Hdfc ergo As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it every 2 years through on-line banking
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Bajaj Allainz Car insurance policy for a while now. I have a paid a premium of 15000 per year, the premium will be lowered after 1 year. They also offered a fair IDV value for my car. I've claimed this policy once and the whole claim process was easy and hassle free.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 16, 2018
    • National Insurance Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with National Insurance from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 5500 for this insurance and they cover third party damages.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from more than 4 years, a premium of Rs 8000 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the National Insurance. I have Claimed it once and it was a seamless experience. I am paying a premium of 12000 an year and the IDV value was also fair for my car. Overall it has been a very good experience with the national insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a Car Insurance policy with the IFFCO Tokyo. I am paying a premium of 30000 Per year, they also offered a fair IDV value for my car. The policy has got roadside assistance and cashless garage facility as well. I've claimed the policy twice. It was very fast and they precessed the claims with out any hassle.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      My car insurance is with HDFC ERGO from last 1 year, i pay a premium of Rs 12000 and it has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am not happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • Bajaj Allianz Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from United India assurance Am satisfied with the premium month even i had claim experience they responded very well for claiming process, this policy doesn't cover bumper to bumper cover as my car got old. Making the payment annually through the agent.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a Car insurance with ICICI lombard from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damages and i pay a premium of Rs 10500 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 3 years and it is a good policy to use. I pay a premium of Rs 6300 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value and they cover bumper to bumper damages.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      Taken car Insurance from Hdfc general insurance company for last 2 years .And am making payments through on-line banking service annually . It has the benefits of bumper to bumper coverage , cashless garages Their customer service and response is good . It has good coverage policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 03, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, whuich have insured with the United India Insurance company. I would like to say that the response is an excellent one too with the United India Insurance company. Coverage value is around 2.9 lakh Rupees with them as such.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 03, 2018
    • Tata AIG Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Tata Aig Car insurance. I pay a premium of 15000 per year. They have also offered me a fair IDV value for my car. I never had any issues with the their services. Overall I never had any issues with the car insurance policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Bharti Axa general insurance from last 2 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11500 for this car insurance. The coverage value is good with this insurance and they cover both bumper to bumper and third party.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with National insurance from last 10-12 years and it is one of the good policy. I pay a premium of Rs 9000-10000 for this car insurance. I have claimed once in 2010 and the experience was very good, road side assistance was given and there was a cashless garage.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 01, 2018
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