As a bike owner, it's imperative to have two-wheeler insurance to ensure you're covered in case of any mishaps on the road. However, it's common to lose or misplace important documents, including your bike's insurance papers. In such a scenario, finding a lost two-wheeler insurance document can be stressful, especially if you're not aware of the necessary steps to take.
If you've lost your bike's insurance documents and are unsure about what to do next, don't worry. This article will provide you with some tips on how to find your lost two-wheeler insurance documents quickly and efficiently.
How important are your bike insurance documents?
All two-wheeler owners are required to have an insurance policy for their vehicles. Otherwise, you may be fined Rs. 2,000 and could face up to three months in jail. The Insurance Regulatory and Development Authority of India (IRDAI) has introduced the mParivahan app to make carrying insurance policies for bike owners easier. This app is intended to allow bike owners to carry a digital copy of their insurance policy instead of a physical document. The app stores all the details of the bike insurance
and the police consider the details from the app valid.
Additionally, vehicle owners can also utilize DigiLocker. It is essentially a digital storage solution launched by the Government. You can store soft copies of your bike insurance and other documents in the Digilocker. You simply have to open the application to show the document when asked by the traffic official.
Your bike's insurance documents are crucial and losing them can be a daunting experience. The process of finding them can be time-consuming and stressful, but it is essential to take action at the earliest. Without a valid insurance document, you risk being penalised or fined by the authorities in case of an accident.
Therefore, it's vital to know the steps you can take to find your lost two-wheeler insurance documents. In the following sections, we'll discuss some ways to recover your bike's insurance papers, so you can ride stress-free on the road.
How to get duplicate bike insurance documents offline?
A bike insurance policy contains the insurance details of the covered vehicle. This is the primary document that must be procured when claiming damages or losses due to an accident or other incidents. If you do not have your insurance policy with you, you cannot file a claim with your insurance company. So, if you can't find your policy documents, the best thing to do is to apply for a duplicate policy.^
^Claims are subject to terms and conditions set forth under motor insurance policy.
Please follow the steps below to request a copy of your policy documents as soon as possible.
File an FIR with the police authorities and submit a copy to your insurer.
Submit a reissue request.
Publish the following information in your local newspaper:
- Name of the policyholder
- Insurance policy number
- Name of the insurance company
- Motorcycle registration number
Send an indemnity bond on a non-judicial stamp paper to the insurance company.
How to get duplicate bike insurance documents online?
Nowadays, many insurers provide an option to get an insurance copy online. Despite this method being convenient, quick, and easy, not many policyholders know how to get insurance copy online
. You can visit your insurer's website and follow the steps to get a duplicate copy of your two-wheeler insurance document online. Some insurers may require you to log in to your account to access your insurance document online. However, you can still get your document even if you don't have an account with the insurer.
To get an insurance copy online, you need to visit your insurer's website and follow these steps:
: Go to the insurer's website and locate the "Duplicate Policy Document" option.
: Enter your policy number and other relevant details, such as your name, contact number, and email address.
: Verify your identity by entering the OTP (One-Time Password) sent to your registered mobile number.
: Once you verify your identity, you can download the duplicate copy of your two-wheeler insurance document.
Losing your two-wheeler insurance documents can get stressful. However, there are several ways to get a duplicate copy of your insurance document. You can check all the possible places where you usually keep your important documents and use the offline and online option to get an insurance copy. Moreover, at the time of renewing your policy, it is smart to use a bike insurance calculator
to get an estimate of your new insurance premium.
It's essential to ensure that you have the proper insurance coverage to safeguard yourself against any mishaps on the road. Therefore, make sure that you have a duplicate copy of your two-wheeler insurance document to avoid any inconvenience in case of an accident. Don't forget to keep a copy of your insurance document in a safe place to avoid losing it in the future.
*Standard T&C apply
#Visit the official website of IRDAI for further details.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.