How to Download Two-Wheeler Insurance Policy
A two-wheeler insurance policy serves as an important legal document that specifies the terms and conditions between the insurer and the policyholder. You must always carry your two-wheeler insurance policy while riding on Indian roads according to the Motor Vehicles Act of 1988.
You will be liable to pay a fine if you fail to do so. Likewise, in the event of an accident, you won’t be able to file a claim without the required documents. Therefore, you need to apply to obtain a duplicate copy of your insurance policy or download the documents online. Read on to learn the steps to download your two-wheeler insurance policy.
What to Do if You Lose Your Two-Wheeler Insurance Policy
- In case you lost your two-wheeler insurance policy, you must first meticulously check your vehicle, home, and workplace.
- If you cannot find your two-wheeler insurance documents, you must not ride your vehicle until you find or replace the documents.
- You must first apply for a duplicate copy of your two-wheeler insurance and start riding your vehicle only after you obtain the documents.
Process to Download Two-Wheeler Insurance Policy Online
If you purchased your two-wheeler insurance policy online, you can easily obtain a duplicate copy of the policy document. To do this, you must complete the following steps:
Step 1: Visit the official website of your insurance company.
Step 2: Select the type of policy.
Step 3: Enter the details of your policy such as the policy number.
Step 4: Verify your profile if requested.
Step 5: Once the verification is done, you can view, print, or download your two-wheeler insurance policy.
Furthermore, individuals who acquired the two-wheeler insurance policy online would have received a copy of the policy documents at their registered email address. Therefore, you can use it to commute or submit a claim for the time being.
Process to Obtain Two-Wheeler Insurance Policy Offline
If you want to obtain a duplicate copy of your two-wheeler insurance policy offline, you must complete the following steps:
Step 1: Inform Your Insurance Company
You must inform your insurance provider that you require a duplicate document.
Step 2: File an FIR
Because your insurance company may ask for an FIR, you must visit the nearest police station and register regarding the loss of the document.
Step 3: Announce in the newspaper
Declare the loss of your insurance policy document in a local newspaper. The insurer may also ask you to submit a copy of this newspaper advertisement.
Step 4: Sign an Indemnity Bond
The last step is to sign an indemnity bond after which you will receive a duplicate copy of your insurance policy.
Is Carrying the Hard Copy of Two-Wheeler Insurance Policy Mandatory
All two-wheeler owners must mandatorily carry a bike insurance policy when riding on Indian roads. Otherwise, you may attract a penalty of Rs.2,000 and three months of imprisonment. The e-Vahan Bima app was launched by the Insurance Regulatory and Development Authority of India (IRDAI) so that two-wheeler owners can carry their bike insurance policy documents conveniently.
Instead of a physical copy, you can carry a soft copy of your two-wheeler insurance with the help of this app. Police officers simply have to scan the QR code on the e-Vahan Bima to obtain all the details of the two-wheeler insurance policy.
FAQs on How to Download Two-Wheeler Insurance Policy
- Can I download my two-wheeler insurance policy online?
Yes, you can visit the official website of the insurance company and enter your policy details to download your two-wheeler insurance policy online.
- Can I ride my bike if I lost my bike insurance policy?
No, you must first obtain a duplicate copy of your two-wheeler insurance policy document.
- How can I obtain a hard copy of my two-wheeler insurance policy?
You must first visit the insurance company’s official website and download your two-wheeler insurance policy. Following this, take a printout of the policy document.
- What happens if I don't have my two-wheeler insurance policy with me while I ride?
All vehicle owners in India are required to carry their insurance documents when driving, according to the rules and regulations. Individuals who fail to do the same may risk a hefty penalty or even imprisonment.
- Will carrying a soft copy of my two-wheeler insurance policy result in a penalty?
Most insurance providers now provide the option of obtaining a soft copy of the insurance policy. You can keep your two-wheeler insurance policy document in your DigiLocker or mParivahan. This will eliminate the need to carry original insurance policy documents when riding.
- Is third-party insurance mandatory for a two-wheeler?
Yes, third-party insurance is mandatory for a two-wheeler according to the Motor Vehicles Act of 1988.
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