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Two Wheeler Insurance - What to Do If Your Insurance Documents are Lost?

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In India, any two wheeler rider must have third-party insurance as per Motor Vehicles Act, 1988. If you are caught by traffic police riding without two wheeler insurance, you will have to pay a penalty. Therefore, as per the new amendment in the motor vehicle act, you must always carry certain documents while riding your two-wheeler. These documents include your insurance certificate and copies of your driving license and registration certificate.

But what if you have lost your insurance documents? In such a case, it is advisable to not drive your two-wheeler until you find your insurance documents or get a duplicate copy because if there is an accident, you will not be able to file a claim without your insurance documents. You need to find your insurance documents to be able to drive without any stress. Here are some tips to find your lost insurance documents.

● As soon as you realize that you have lost your insurance documents, start looking for them in your house, office, or vehicle. Search thoroughly to avoid raising a false alarm.

● Stop driving your two-wheeler till you find your insurance document or get a duplicate copy.

● If you don’t find the lost insurance documents, apply for a duplicate copy.

Let us find out the process of getting a duplicate insurance copy.

How To Get A Duplicate Two-Wheeler Insurance Policy?

● Inform your Insurance Company

The first thing you should do, if you have lost your insurance document, is inform your insurance company. Write a mail or call customer care to inform them about the loss of policy. Your insurer will guide you on how to apply for a duplicate policy and charge a nominal fee for issuing a duplicate copy.

● File a FIR or First Information Report

File an FIR at the nearest police station about the loss of your policy document. You will be required to send a copy of the FIR to your insurer, along with the application for a duplicate policy document.

● Publish an Advertisement

As per law, it is mandatory to publish an advertisement about the loss of your insurance document in a popular local newspaper. The advertisement should have details like the name of the policyholder, contact details, policy number, and registration number of the two-wheeler. Publishing an advertisement serves two purposes, first if your lost documents are found by someone, he or she can return the documents to you. Second, you need to submit a copy of the published advertisement to your insurer in order to get a certified duplicate copy.

● Sign a Bond of Indemnity

As a part of the application process for obtaining a duplicate copy, you are required to sign a bond of indemnity on a stamp paper, which is non-judicial in nature. The indemnity bond needs to be signed in presence of two witnesses and affirmed by a notary. It should include the policy holder’s name and policy number. The signed indemnity bond is sent to the insurer.

After all these steps, the insurer verifies your application. If found genuine, the insurer starts the process of getting a duplicate copy of your insurance policy issued.

How to Download Duplicate Two Wheeler Insurance Copy Online?

In today’s time of digitization, when most insurance companies are adopting paperless procedures, you can easily download a soft copy of your insurance policy using the following steps.

● Go to your insurer’s mobile app or company website

● Login with your registered mobile number

● Select the type of policy from the list of policies like two wheeler insurance policy

● Click Download and save

● Alternatively, you can contact your insurance agent. If your insurance company has a provision of maintaining soft copies, your insurance agent can help you extract your online insurance policy bond using your registered mobile number and your vehicle’s registration number.

Some Important Tips

● Keep your policy document safe and maintain multiple copies. Carry a copy if you need to rather than the original document.

● Opt for ‘policy on email’ while buying or renewing your insurance policy so that you always have a soft copy in your inbox

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● As per IT Act, your two wheeler insurance documents can be stored in digital format in the DigiLocker and this digital format can be used in place of physical documents. In this way, you don’t have to carry any physical documents at all.

Conclusion

Your two wheeler insurance policy is an important document, not just to be carried while driving but also required in case you need to file a claim. It secures you financially against any unforeseen loss or damage. So always keep it with you safely. Renew your policy on time and make sure that you purchase a comprehensive bike insurance policy that covers mandatory third-party liability as well as own damage.

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

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