1. Home
2. Blogs

Can I Make a Claim for Car Insurance if I Lose My RC?

• 
• 
• 
• 0
• 0

Published on July 18, 2023. EST READ TIME: 3 minutes

Car insurance provides coverage for a wide range of scenarios. However, the situation may differ regarding losing an RC (Registration Certificate). The RC serves as proof of vehicle ownership and is an essential document for legal purposes.  In this article, we also learn about how to make a claim, when the RC is lost.

What Is Loss of RC Add-On?

Loss of RC Add-On is an add-on policy that helps you gain additional coverage on two-wheelers for different coverage.

Things to Consider When Buying Loss of RC Cover

Several important factors must be considered when buying an RC cover loss. Here are some things to keep in mind:

Coverage Limit

Check the coverage limit offered by the loss of RC cover. This is the maximum amount the insurance company will pay in case of loss. 

Policy Exclusions

Review the policy exclusions carefully. Insurance policies often have specific conditions under which they do not provide coverage. 

Deductible

 Check if the policy has a deductible, the amount you must pay out of pocket before the insurance coverage kicks in. Evaluate whether the deductible is reasonable and if you're comfortable with the associated Cost.

Claim Process

Understand the process for filing a loss of RC cover claim. Look for insurance providers with a streamlined and efficient claims process to ensure a hassle-free experience if you need to make a claim.

Customer Reviews and Reputation

 Research the insurance company's reputation and read customer reviews to assess its reliability and customer service. Look for companies with a good track record in processing claims promptly and treating their customers fairly.

Additional Coverage

Some insurance policies may offer additional coverage or benefits, such as worldwide coverage or coverage for accidental damage. Evaluate whether these additional features align with your needs and are worth the extra Cost.

Policy Terms and Conditions

Pay attention to any specific requirements or obligations you must fulfil to maintain the coverage. This includes notifying the insurance company within a certain timeframe after the loss or theft occurs.

RC Cover car insurance Benefits

You can enjoy several benefits when you purchase RC cover, also known as RC insurance or RC protection. Here are some of the advantages of having RC cover:

Loss and Theft Protection

 The primary benefit of RC cover is that it protects against the loss or theft of your two-wheeler. 

Financial Security

RC cover provides financial security by reducing the burden of replacing a lost or stolen two-wheeler. Instead of bearing the entire Cost of a new two-wheeler, the insurance policy will cover a portion of the full Cost based on the coverage limit and terms of the policy.

Accidental Damage Coverage

 In addition to loss and theft protection, some RC cover policies may include coverage for accidental damage. The insurance policy can help cover the repair or replacement costs.

Flexible-Premium Options

RC cover policies may offer flexible premium options to suit your budget and needs. You can choose from different coverage levels and adjust the premium accordingly. This allows you to customize the insurance policy based on the value of your remote control and your financial situation.

Convenient Claim Process

Insurance companies often strive to provide a streamlined and convenient claim process. In the event of loss or theft, you can typically file a claim online or through a dedicated helpline. The claim process is designed to be hassle-free, ensuring that you receive the necessary assistance and compensation efficiently.

Steps to follow to retrieve your lost RC car insurance premium

If you have lost your RC (Registration Certificate) book or your car insurance premium , it's important to take immediate action to retrieve it. Here are the steps you should follow:

Contact Relevant Authorities

 If you cannot locate the RC book, inform the appropriate authorities immediately. This typically includes the local Regional Transport Office (RTO) or the Department of Motor Vehicles (DMV). Provide them with details about the lost RC book, including your vehicle's registration number, make, model, and any other relevant information.

Apply for Duplicate RC

To legally replace your lost RC book, you must apply for a duplicate RC. Visit the RTO or DMV office and inquire about the process for obtaining a duplicate RC in your jurisdiction.

Complete Application and Documentation

Fill out the duplicate RC application form accurately and attach all the required supporting documents. Follow the RTO or DMV officials' instructions to ensure your application is complete.

Submit Application and Await Processing

Submit the completed application form and supporting documents to the designated authority at the RTO or DMV office. They will provide you with an acknowledgement receipt.

Follow Up on the Application

 Stay in touch with the RTO or DMV office to inquire about the progress of your duplicate RC application. Once your application is processed, you will be informed about the availability of the duplicate RC book.

Collect Duplicate RC Book

Visit the RTO or DMV office to collect your duplicate RC book. You may need to provide the acknowledgement receipt, original identification documents, and any other documents specified by the authorities. Verify the details on the duplicate RC book and ensure they are accurate.

FAQ's 

Q1: What should I do if I lose my RC book?

A1: If you have lost your RC book, immediately search your belongings and retrace your steps. Report the loss to the local Regional Transport Office (RTO) or Department of Motor Vehicles (DMV) and file a police report.

Q2: What documents do I need to apply for a duplicate RC?

A2: To apply for a duplicate RC, you must submit an application form, a copy of the police report regarding the lost RC, proof of identity, vehicle insurance documents, and vehicle ownership documents.

Q3: How long does it take to get a duplicate RC book?

A3: The processing time for a duplicate RC book can vary depending on your location and the efficiency of the RTO or DMV office. You should check with the office where you submitted your application for an estimated timeline.

Conclusion

Losing your RC can be troublesome, as it is a crucial document for proving vehicle ownership and complying with legal requirements. While car insurance policies typically cover various risks, including theft, the loss of an RC may not always be explicitly covered. It is important to review the terms and conditions of your car insurance policy to understand if there is any provision for such situations. Remember to always keep your RC in a safe place and take necessary precautions to avoid its loss, as prevention is often the best approach when it comes to important documents related to your vehicle.

Disclaimer : The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales

RELATED ARTICLES

• Why cancelling your RC is crucial in case of total damage ?

• RTO Rules for Car Scrapping and Deregistration

• Importance of Choosing Correct IDV When Buying Car Insurance

• Car Insurance Background Check: Why and How is it Done?

• Choose Comprehensive Car Insurance to Cover Damage beyond Repair

---

• 
• 
• 
•