What to do if you have lost your car insurance papers

A car insurance policy offers optimum protection against expenses arising from damages. In case a claim has to be registered, the insurance document has to be produced. In case one loses the insurance document, he/she can get a duplicate document.

More

Car insurance papers are among the most important documents related to your car which you can’t afford to lose. According to the new Motor Vehicles (Amendment) Bill 2016 an individual driving without a valid and up to date car insurance will be charged with Rs.2,000 as penalty. In such an instance, the safety and security of your car will also be at high risk.

However, even after taking all the necessary precautions, if you find your insurance paper missing, don’t panic and take immediate actions to get duplicate copies of the lost policy.

Here are a few quick tips to get the duplicate copies of your insurance papers without much hassles:

1.Contact your insurance agent:

If you have availed your car insurance through an insurance agent and not directly from the insurance company contact the person as soon as get to know about the missing papers. Most of the agents these days keep a copy of their customer’s insurance papers with themselves. Let the person know about the missing documents and ask him/her to mail the PDF copy of the document.

2.Write to the insurance company:

Generally, insurance companies provide email support to their customers regarding any car insurance related query/problem. In a situation where you have lost or forgotten your car insurance number and you do not have any details of the same, write to your insurer about the loss at their customer support email ID from your registered mail ID as that will ensure your authenticity. Ensure to provide the following details in the mail:

  • Registered mobile number
  • Registered mail ID

These details will help the insurer to find the details of your insurance policy. They will either send you the soft copy of the insurance policy or share the policy details through mail.

3.Download a duplicate policy papers:

Most of the insurance companies have an e-portal where the customers can perform various transactions like renewing or obtaining a duplicate copy of their car insurance policy. If your insurer offers this facility, login to your account with your credentials like customer id, insurance policy number, etc. and download the policy papers. Here are the steps that you are likely to follow to download the policy papers online:

  • Visit the official website of the company
  • Select the option to download an e copy of your policy
  • Input your policy number and registered mobile number
  • An OTP will be sent to your registered mobile number
  • Enter the OTP in the portal for verification
  • Next, provide your registered email ID
  • A copy of your car insurance policy will be sent to your mail ID in PDF format
  • Download the policy

If the above-mentioned steps don’t work for you, you need to contact your insurance company immediately. You might have to visit the concerned branch with a written application stating the reason for issuing a duplicate copy. When you apply for a duplicate policy paper issuance with your insurer you might have to pay a nominal fee. Here are the steps that follow:

4.File a police complaint:

Certain insurance companies do not issue duplicate car insurance papers without a FIR copy. If this is the case with your insurer, visit the concerned police station in your area and report the loss of your car insurance papers. Next, you will have to submit an application to obtain a FIR copy from the police station. Once you get the FIR copy, submit it to your insurance company along with a written application.

5.Submit an application:

In order to get a copy of your car insurance papers you need to file an application for duplicate policy issuance. While filing the application carefully enter all the vital details such as the policyholder’s name, policy number, date of policy issuance, and type of the policy cover. You must also mention how and under what circumstances the policy papers got lost. If the policy was acquired jointly, then submit a joint application along with the other policyholder. This ensures that both the policy holders know about the incident and the duplicate copy of the insurance policy is applied for with his/her consent.

6.Publish an advertisement:

In the event of loss of your insurance paper, it is mandatory to publish an advertisement in the local newspaper with wide circulation informing the loss of the insurance papers. Remember, you will have to bear the entire cost of the advertisement in such cases. While putting up an ad in the newspaper keep the following points in mind:

  • Mention the insurance policy number
  • Policy holder’s name
  • Name of the insurance company
  • Number of your vehicle

Once the advertisement gets published in the newspaper, submit the copy of the advertisement to the insurance company to get the duplicate copy.

7.Get an indemnity bond:

This is the last step to get a duplicate copy of your car insurance policy. In the bond you need to assure that you will indemnify the company if any other person apart from you or your nominee make any claim in the future. The bond needs to be acknowledged before a notary. You will have to pay the fee and the stamp fee to obtain the indemnity bond. Once you get the document submit it to the insurance company to get the copy of your car insurance papers.

Points to Remember

Here are a few things that you should keep in mind if you have lost your car insurance policy papers:

  • It is mandatory for all the vehicles running in India to have a third-party vehicle insurance. If you drive without a valid third-party liability cover it will be considered to be illegal. Hence, once you get to know about the loss or theft of your insurance papers, don't delay and apply for a duplicate copy of the same as early as possible.
  • In order to ensure the safety of your car insurance documents, make sure to keep the documents in a safe place. You can also keep photocopies of the original insurance documents so that in case of any accidental loss you can produce the same to the law authorities.
  • Another option to keep your documents safe is to preserve them in the form of digital documents. Such documents can be stored in apps as digital documents and produced at the time of need.

Apply for a new car insurance policy online

Once you register the loss or theft of your car insurance policy papers, the next step is to get a new set of insurance papers. You can either ask for a duplicate copy of the current insurance policy or can apply for a new policy. If you take this as an opportunity to switch to a new car insurance policy, compare various insurance policies, and grab the best deal.

You can either do it by visiting the insurance company directly or with the help of other third-party websites. When done apply for the policy online right from the comfort of your home or office. The process of online application is fast, convenient, and hassle-free.

 4.5 / 5.0   by 2613 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Cashless Garages

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Car Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • United India Car Insurance
    "Service is good"
    0.5 4.0/5 "Great!"
    Took my car insurance from United India based on the agent suggestion. I pay the premium amount of Rs. 3600 its because of the no claim bonus and some extra discounts. I have not applied any claim till now. From 7 years, i have been renewing the policy with the same company. They will give reminder call and I'm getting SMS from United India before the policy expiry.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 16, 2020
  • New India
    New India Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from New India since its a government sector company and i have a known person over there. There is no cashless claim i had because there is a delay in that and it takes almost 1 week. They are giving claim upto 70% since my vehicle is old one. I pay the premium amount of Rs. 12500 on every year. They said they are providing a road side assistance and no claim bonus facility.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jan 16, 2020
  • Liberty Car Insurance
    "Wrost service ever "
    0.5 1.0/5 "Really Bad"
    My car in total loss and they have reject my claim. 2 months they have investigate case and after they reject. they says your car is sold by you . i am saying i have not sold and i have proof but they dont want to listen us. never buy from liberty insurance.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 13, 2020
  • Iffco Tokio Car Insurance
    "Good Insurance Policy"
    0.5 4.0/5 "Great!"
    I have a zero claim experience for my car insurance from Iffco Tokio. Actually my friend has suggested me to take the car insurance from Iffco Tokio because he is working as a agent over there. I have paid the premium amount of Rs. 8000 for that they are providing the coverage value of Rs. 2.75 lakhs. I have no idea about the road side assistance and no claim bonus.
    Was this review helpful? 0
    , vapi
    Reviewed on Jan 06, 2020
  • New India Car Insurance
    "Good Insurance company"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India Assurance. When i purchased the car from the showroom that time they have provided this insurance which i'm continuing. Till now i didn't claimed anything and i have no idea about the coverage value. They are giving good customer support and wish to continue the same.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 06, 2020
  • Reliance General Car Insurance
    "good service"
    0.5 5.0/5 "Blown Away!"
    I have chosen Reliance insurance as my friend is a franchise. I have taken a third party car insurance from them. I pay the premium of Rs.3000 on yearly basis. Even though it is a third party insurance, I can get upto 15lakhs. I will not get notification for renewal. I pay the premiumthrough online or directly to them.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 27, 2019
  • Reliance General Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from RELIANCE GENERAL INSURANCE. It has some good benefits and the premium is low. I pay Rs.7,000 on yearly basis and also as no claim bonus options. It also includes garage benefits. I have no claim experience yet. I will get notification regarding the insurance from car showroom not from the insurance provided. I pay through online or cheque.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 22, 2019
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from Reliance. Because their office near by my work place, so that its easy to renew the policy. They have provided me IDV value of Rs. 4.50 lakhs and the provided premium amount was Rs. 9,500. This is a third party insurance. I have not applied for any claim till now. I have got the no claim bonus of 30%.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2019
  • Shriram Car Insurance
    "Good Plan"
    0.5 5.0/5 "Blown Away!"
    1 month ago, i have purchased the car insurance policy from Shriram General Insurance. Since the premium amount was less, i have chosen the same. They have given me a documents on the same day. I have not got any no claim bonus. I have paid the premium amount of Rs. 19000. Its a third party cover policy.
    Was this review helpful? 2
    , chennai
    Reviewed on Dec 20, 2019
  • Iffco Tokio Car Insurance
    "Good Claim experience"
    0.5 4.0/5 "Great!"
    Earlier i had a car insurance with Iffco Tokio and had a claim experience. Since the premium amount is high and the IDV value is less hence i have changed the policy by next year. They have processed the claim in one week. They have cover upto 100% and i have paid only Rs. 500. I have paid the premium amount of Rs. 50000 for the coverage amount of Rs. 7.40 lakhs.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2019
  • Bajaj Allianz Car Insurance
    "Easy policy to take"
    0.5 4.0/5 "Great!"
    From Bajaj Allianz, i have chosen the car insurance policy. Its easy to claim hence my friend had recommended me about this policy. I have paid the premium amount of Rs. 30000. They are giving a IDV value of Rs. 6.90 lakhs. Its a zero depreciation policy. I do not have any claim experience as of now.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2019
  • Oriental Insurance Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    Chosen my car insurance from Oriental because their office is located next to my office. I had a claim experience once and it was very good. They have provided the claim immediately as per the spot instruction. They provided me a 100% since its a zero depreciation policy. I used to visit their branch to renew the policy.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Dec 17, 2019
  • Oriental Insurance Car Insurance
    "You can go for it but make sure about the clarity"
    0.5 1.0/5 "Really Bad"
    Earlier i was having a car insurance from Oriental. When i contact the customer care service, they are not giving guidance regarding the ownership change. They are not providing good service hence i have cancelled the car insurance with them since i do not want to continue.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2019
  • Shriram Car Insurance
    "Easy Process"
    0.5 5.0/5 "Blown Away!"
    I'm not facing any problem with Shriram General Insurance. I didn't contact the customer care service till now. I bought the car insurance from Shriram because i felt the premium is little cheaper than others. They are providing the IDV value of Rs. 1.5 lakhs. They have not provided me a claim bonus.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 14, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Till now i didn't talk with the New India customer care service. One time there was a fraction happen for my car that time made the claim and they took 1 week to give the claim. I've paid the premium amount of Rs. 15000 approximately. By online only, i used to renew the insurance.
    Was this review helpful? 1
    , kochi
    Reviewed on Dec 13, 2019
  • Bajaj Allianz Car Insurance
    "Policy Coverage & Claim Experience"
    0.5 1.5/5 "Bad"
    I had taken a car insurance with Bajaj Allianz & find the claim experience (originals are requested to be in possession of surveyor via dealer) & policy coverage (surveyor said the damage to my car is probably due to rat/dog which is not covered), due to which i had to eventually pay from my own though i pay hefty auto-premium
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 13, 2019
  • Bajaj Allianz Car Insurance
    "Good friendly policy"
    0.5 4.0/5 "Great!"
    Long back I have done my claim for my car in TATA AIG. I took the car insurance from TATA AIG because we felt the policy is good and i'm comfortable with the company, am a happy customer. i didn't claim fully since its not a bumper to bumper policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 11, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    When i purchased the car in the showroom where they have provided a car insurance policy from Bajaj Allianz. I have renewed the policy for the second year also but I have no idea about the premium amount and its a zero depreciation policy. They have informed me about the no claim bonus details. I have not made any claim experience till now.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 11, 2019
  • Chola Ms Car Insurance
    "Extremely bad."
    0.5 0.5/5 "Unacceptable"
    Extremely bad. Pathetic is the word. They will take you hard earned money in the name of insurance and when you go to claim for it first they will give you the lure of no claim bonus if you dare to claim and even if you insist for claim, Broad day light robbery is the only word to describe this insurance company.
    Was this review helpful? 4
    , ahmedabad
    Reviewed on Dec 05, 2019
  • ICICI Lombard Car Insurance
    "User friendly"
    0.5 5.0/5 "Blown Away!"
    They are very fast claim experience. I have not personally chosen the policy from ICICI Lombard. From the merchant side by default they have provided me a policy from this company. Recently I had applied the claim and I got up to 83%. Earlier it was a bumper to bumper covered policy now my car is more than 5 years old, so its not covered 100% now.
    Was this review helpful? 6
    , bangalore
    Reviewed on Nov 26, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.