• How to Apply For a Duplicate Two Wheeler Insurance Copy?

    A bike insurance as mandated by the Motor Vehicles Act is to be carried by the rider at all times. The policy documents contain essential details such as the registration and insurance information of the vehicle, and more. In case you have lost or misplaced your vehicle insurance document, you must apply for a duplicate copy of the policy. In the absence of a policy document, you may not be able to file your insurance claims. Also, driving without your insurance papers is a punishable offence and you may have to pay hefty fines if caught by the traffic cops.

    If you are clueless about how to apply for a duplicate insurance copy, here is the detailed procedure to do the same.

    Step 1: File A First Information Report (FIR)

    The first step is to file a FIR at your nearest police station to document the loss of your insurance policy. While doing so, clearly state your policy number, insurance provider, the type of policy (Comprehensive/Third-party), as well as any add-ons you might have opted for while buying the policy. The attested copy of the FIR is to be be submitted to the insurance company as a supporting document to prove loss of policy document.

    Step 2: Apply For A Duplicate Copy Of The Insurance Policy

    Once you obtain the copy of the FIR, the next step is to apply for a duplicate copy of your two-wheeler insurance policy. You will have to submit a written application to your insurance provider stating that you have lost your policy document and you wish to apply for a duplicate copy of the same. You will also be required to submit the copy of the FIR along with your application. If your policy is held jointly, both policyholders should sign the application to be submitted to the insurance company.

    Step 3: Sign An Indemnity Bond

    You will be required to sign an indemnity bond on a non-judicial stamp paper making a formal request for a duplicate policy document. The indemnity bond contains your name, the co-policyholder’s name (if any), and the policy number. It needs to be signed along with the signatures of two other witnesses who should not be your family members. The insurance company may also ask for a proof of financial status.

    Step 4: Publish An Advertisement (If Required)

    In some cases, your insurance provider may need you to publish a newspaper advertisement stating that your insurance policy document is missing. You may have to submit a copy of the newspaper ad to your insurance provider.

    Once you submit your application along with the supporting documents, the insurance company will process your request and provide you a duplicate copy of your insurance policy after successful verification.

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