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What To Do If You’ve Lost Your Two Wheeler Insurance Documents

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A two wheeler insurance policy is a lifeline for those who own a bike/scooter as it contains registration and insurance information pertaining to their vehicle. If you happen to lose or misplace your insurance documents, filing a claim becomes next to impossible as you have no papers to prove you have a policy. This could also be a problem if you’re stopped for a check by the traffic police, who can ask you for your registration and insurance information.Follow the below steps if you your two wheeler insurance document.

How to Get Duplicate Copy of Bike Insurance
How to Get Duplicate Copy of Bike Insurance

So what do you do if you can’t find your insurance documents? The best (and only) solution is to apply for a duplicate insurance policy.

So how do you go about applying for a duplicate two wheeler insurance policy document?

File an FIR

To start with, you will have to file a First Information Report (FIR) at the nearest police station, documenting the loss of the documents. Remember to clearly state your policy number and the type of policy you bought (such as liability only or comprehensive) as well as any add-ons or riders that were purchased along with the policy. You will have to send an attested copy of the FIR to your insurance company as proof that the documents are missing and that you have taken the required action by reporting the loss.

Apply For Duplicate Two Wheeler Insurance Policy Document

The next step would be applying for a duplicate two wheeler insurance policy document.

  • You will have to submit a written application to your insurer, stating that you wish to apply for a duplicate two wheeler insurance policy and mention the reason for the same.
  • You will be required to submit the FIR copy along with your application.

For policies that are held jointly, both the holders of the policy are required to sign and submit the application.

Indemnity Bond

In the case of loss of two wheeler insurance documents , the insurance company will require you to sign an indemnity bond on no-judicial stamp paper, where you will be making a legal and formal request for a duplicate policy document. This bond will contain your full name (and any other policyholder’s name if the insurance policy is jointly held) and policy number.

The indemnity bond will be signed in the presence of two witnesses (excluding the holder’s family members). In some cases, insurance companies may ask for proof of financial status at the time of signing the bond as surety for it.

Publishing an Advertisement

In some cases, your insurance company might advise you to publish an advertisement in a newspaper mentioning that you have lost your two wheeler insurance papers. If this is the case, send a copy of the published ad to the insurance company.

Once the application has been filed, the insurance company will investigate the same and a duplicate copy of the insurance policy will be issued to you on successful completion of the verification.

News About What To Do If You’ve Lost Your Two Wheeler Insurance Documents

  • New Bajaj V15 Power Up priced at Rs.65,626

    The Bajaj V15 has received a significant update for 2019 and it is now called the Bajaj V15 Power Up. The motorcycle gets an updated 149.5 cc engine which has been re-tuned to deliver more power and torque. The new engine on the V15 Power Up will produce 13 hp at 8,000 rpm and about 13 Nm of peak torque at 6,000 rpm.

    That denotes an increase of 1 hp in the power delivery and about 0.3 Nm of torque delivery as opposed to the 12 hp of power delivery and 12.7 Nm of torque delivery on the old setup. The engine is expected to be smoother and more refined. The gearbox pattern has been updated as well. While it continues to have the 5-speed setup, it gets a sportier 1-down-4-up pattern shifter. The decals on the motorcycle have been updated as well. The best part about the upgrade is that the price of the motorcycle remains unchanged. The Bajaj V15 Power Up can be expected to come up with a single-channel ABS set-up as well in the near future.

    17 January 2019

How to Apply for Duplicate Bike Insurance Papers Reviews

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  • ICICI Lombard Two Wheeler Insurance
    "Need a reminder call"
    0.5 4.0/5 "Great!"
    I took my two wheeler insurance with ICICI Lombard. I have been with them for around 7 years and the services are good. I have no claim experience. The premium is reasonable. The benefits are less compared to others. There was no reminder call from the customer support during the policy renewal, it would be great if they do it.
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    , bangalore
    Reviewed on Jan 23, 2019
  • Iffco Tokio Two Wheeler Insurance
    "Good exper"
    0.5 5.0/5 "Blown Away!"
    My two wheeler insurance is with Iffco Tokio. The premium is good and I have no claim. I spoke to the customer service and it was a good experience. I have chosen first party insurance. I have received the insurance paper. I have paid Rs.1300 approx through card to purchase one year policy.
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    , bangalore
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    I took my two wheeler insurance from ICICI Lombard and its been 2 years. I have purchased a new bike so the insurance was offered by the showroom. Every year premium varies by the Government and its reasonable.I got the insurance paper. Am not sure about the benefits. It is a first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance policy with ICICI Lombard for 3 years. A premium of Rs 2000-3000 has to be paid for this insurance policy. I have no claim experience so far with this insurance and the policy benefits are good in this insurance.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance from Reliance for 5 years and i am having this insurance from last 3 months. A premium of Rs 4200 has to be paid for this insurance policy. I do not have claim experience so far with this insurance.
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    , surat
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with ICICI Lombard from last 1 year, there was no claim experience so far with this insurance policy and i pay a premium of Rs 850 for this insurance. I am happy with the plan benefits and plan coverage of this policy
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    , pune
    Reviewed on Jan 23, 2019
  • Reliance General Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have two wheeler insurance with Reliance general from last 1 year. A premium of Rs 1800 has to be paid for this insurance policy every year. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
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    , pune
    Reviewed on Jan 23, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Better Policy"
    0.5 3.0/5 "Satisfactory"
    My two wheeler insurance policy was taken from ICICI Lombard. The dealer has provided this policy hence i'm not aware of the premium amount. They have given me a IDV value of Rs. 70000 which covered for 100%. I had no claim experience with this policy.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 22, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My two wheeler policy was bought from 2014. There is no reason for choosing this policy. I am paying the premium amount of Rs. 2100. They have offered me a coverage amount of Rs. 31000. I will make the payment through cheque and i renew the policy by own.
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  • Bajaj Allianz Two Wheeler Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have invested my splendor bike with Bajaj Allianz, it was stolen in 2014. Then I applied for claim, within 2.5 months they have settled the money through account transfer, the customer support is very prompt they understood and cleared the issue.
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    , new delhi
    Reviewed on Jan 21, 2019
  • ICICI Lombard Two Wheeler Insurance
    "Smart Protection"
    0.5 2.5/5 "Just OK"
    I don't have any claim with ICICI Lombard, they are doing good job in terms of insured declared value. The representative issued the policy on time . I have scooter jupitar its around two years old. For that bike I took first party insurance is good.
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    , new delhi
    Reviewed on Jan 21, 2019
  • National Insurance Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a two wheeler insurance with National insurance from last 1 year. A premium of Rs 2000 has to be paid for this insurance policy. I have not claimed anything so far with this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
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    , indore
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  • Bajaj Allianz Two Wheeler Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have my two wheeler insured with Bajaj Allianz from last 1 year, a premium of Rs 2600 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the policy benefits and plan coverage of this policy.
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    , hojai
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    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with HDFC ERGO from last 1 year, a premium of Rs 1200-1500 has to be paid for this insurance policy. There was no claim experience so far with this insurance policy. I am happy with the plan benefits and policy coverage for this insurance.
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    , rewari
    Reviewed on Jan 21, 2019
  • Reliance General Two Wheeler Insurance
    "Yet to experience the policy"
    0.5 4.0/5 "Great!"
    I am holding my two wheeler insurance from Reliance. I have not claimed anything from this policy. I pay the premium amount which is bit high compared to last year. I have chosen the reliance because the insurance is located nearby my place. They have given me a nominal IDV value. The service is prompt when i went for the renewal.
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    , chennai
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  • National Insurance Two Wheeler Insurance
    "Good Insurance Company"
    0.5 4.0/5 "Great!"
    I have Hero glamer bike, I think I paid the premium around Rs. 3000 to 4000 to National insurance. My vehicle is around one year, its a first insurance I took through showroom. On time I got the paper from the insurer, they got tie up 3 to 4 service centers in Bhubaneswar.
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    , bhubaneshwar
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  • ICICI Lombard Two Wheeler Insurance
    "Trusted Insurer"
    0.5 5.0/5 "Blown Away!"
    ICICI lombard its a nice insurance company, I am holding bike policy with them around one year. I have invested pulsar bike by taking comprehensive plan. The customer care is good on time they have generated the policy. I have 80% of cover based on the vehicle age.
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    , hyderabad
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  • HDFC Ergo Two Wheeler Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have taken two wheeler insurance from Hdfc General insurance . I made the payment for 1 years through online banking . Customer service and responce is average as thye have explained the benefits of the policy .This policy covers with road side assistance and bumper to bumper coverage and the premium amount which am making for this is pretty economy .
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  • Royal Sundaram Two Wheeler Insurance
    "Low Premium with Higher IDV value"
    0.5 5.0/5 "Blown Away!"
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    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Two Wheeler Insurance
    "Good Protection with HDFC Ergo"
    0.5 5.0/5 "Blown Away!"
    My Activa Honda got insured with HDFC Ergo, I have been with them around two years, total term of my two wheeler policy is around three years. The premium amount is lesser based on the vehicle age. I took first party insurance its good and satisfactory.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 19, 2019
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