How to Get Duplicate Two Wheeler Insurance Copy Online & Offline ?

When it comes to driving a motor vehicle, it is important to have a few documents in hand — the registration certificate, the PUC certificate and lastly, the insurance policy. Be it a car or a bike, these requirements remain the same. The Motor Vehicles Act of 1988 has laid down this regulatory requirement, which if not followed, attracts hefty penalties. Surely you do not want to be paying fines, right? Bike insurance is an essential document that should always be carried when riding your two-wheeler; be it a ride to your local supermarket, or a daily commute to work; it is a must-have document. If not a comprehensive policy, you should be buying at least a third-party bike insurance cover that will safeguard you from liabilities due to a third party in the event of an accident. But it can happen that you misplace this document. What next? Will you have to get fresh insurance coverage? Will you lose all your policy benefits? The simple answer is ‘no’. None of the above questions stands true. All you have to do is apply for a duplicate two-wheeler insurance copy. This article talks about the steps in applying for a duplicate two-wheeler insurance copy. Continue reading to know more.

How to Get Your Duplicate Two-Wheeler Insurance Copy Online?

Step 1

Visit your insurance company’s website and log in to your account. Insurance companies, generally, share these details via mail but if not available, can be found by entering your policy number.

Step 2

While Bajaj Allianz offers multiple insurance plans, select the bike insurance policy for which you need a duplicate copy.

Step 3

The portal shall ask for policy details which shall be verified.

Step 4

On entering these details, you can view as well as download the same. Since you have bought the two-wheeler insurance online, it shall only be available for download which can be printed and saved for your reference. Some insurance companies also offer the facility of e-mail as well as physical delivery of this insurance policy.

Why Downloading a Bike Insurance Policy is Important?

Here are some key reasons highlighting the importance of downloading your bike insurance policy:

1. Immediate Access to Policy Documents

A downloaded policy ensures you can access your insurance details anytime, anywhere, especially in emergencies.

2. Proof of Insurance

A digital version serves as valid proof of insurance, required during traffic checks or when filing claims.

3. Environmentally Friendly

Using a digital copy reduces paper consumption, contributing to environmental conservation efforts.

4. Enhanced Security

Digital copies, typically saved in PDF format on devices like smartphones or laptops, are less prone to loss or damage compared to physical documents. Additionally, they can be downloaded whenever needed.

5. Convenience

Downloading the policy makes it easier to share information with authorities during traffic checks or when transferring ownership of the vehicle.

How to Get Your Duplicate Two-Wheeler Insurance Copy Offline?

1. The first step will be informing your insurance company about misplacing your original policy document. Informing this will help them initiate the process of arranging for a two-wheeler insurance copy. This intimation can be either communicated on call or via mail too.
2. Next, you need to file a first information report or FIR with the appropriate jurisdiction. Filing an FIR makes it certain that it is a genuine case of misplacing the insurance document.
3. Now, with the FIR in hand, you will be required to make a written application to your insurance company mentioning the details about the policy like policy number, and type of insurance policy including the details of the two-wheeler insured.
4. Lastly, you will also be required to submit an indemnity bond which declares any false representation shall be your sole responsibility. It is a legal document that safeguards your insurance company.

Using this facility of issuing a duplicate policy, you can obtain a copy two-wheeler insurance copy without having to purchase an insurance cover all over again. Make sure you do not wait till the last moment to get fined by traffic officials to apply for a duplicate policy. These days, the state road transport offices have permitted vehicle owners to carry a digital copy of their vehicle documents including the two-wheeler insurance policy. Apps like mParivahan or DigiLocker facilitate this easy storage.

Why is it Important to have a Duplicate Insurance Copy?

Your two-wheeler insurance policy is an essential document that you must always have when riding your scooter or bike. Failing to present it to a traffic official when asked for attracts hefty fines. Moreover, it is a legal requirement that must be followed. Thus, to ensure legal compliance and financial coverage against third-party liabilities, as well as damages to your vehicle, it is essential to request a duplicate insurance policy in case you misplace your original document. Furthermore, in the event you need to raise a claim with the insurer, you must have this document. Hence, it is important you raise a duplicate policy request with your insurance company.

Do You Need a Hard Copy of Your Bike Insurance Policy?

In India, having at least third-party insurance for your bike is mandatory under the Motor Vehicles Act. While digital policies are widely accepted and convenient, there are specific situations where a physical copy may still be necessary:

1. Legal Compliance

Though digital copies stored in IRDAI-approved apps are acceptable in most cases, certain situations may still require a printed version.

2. Verification Requirements

Service centers or government authorities might ask for a physical copy during verification processes.

3. Backup in Case of Technical Issues

A hard copy serves as a reliable backup if your digital device fails or the file becomes inaccessible. However, with the increasing adoption of digital policies and their growing acceptance across platforms, the reliance on hard copies for insurance documentation is steadily decreasing.

Steps to Download Your Bike Insurance Copy Online Using Vehicle Details

The insurance copy of your bike includes the vehicle number, which is linked to the chassis and engine numbers. You can easily download your insurance copy online by following these steps: 1.   Visit the Official Website: Go to the Ministry of Road Transport and Highways website or your state transport department’s portal. 2.   Enter Vehicle Details: Provide your bike’s registration number and click “Submit.” 3.   View Policy Details: Your insurance policy details will appear on the screen. 4.   Check with the Insurance Information Bureau: Visit the Insurance Information Bureau (IIB) website, regulated by IRDAI, to find details about your insurer. 5.   Go to Your Insurance Provider’s Website: Use the insurer’s website to verify all necessary details. 6.   Download Your Policy: Enter the required information and download a copy of your insurance policy with ease.

How to Download Bike Insurance Copy using the Vehicle Number?

Obtaining a duplicate copy of your bike insurance policy is a straightforward process that can usually be done online through your insurer's official website. However, there are a few essential steps to follow to ensure the process goes smoothly.

1. Inform Your Insurance Provider

The first step is to notify your insurance company about the loss of your policy document. You can do this by calling their toll-free number or sending an email. It's crucial to inform your insurer of the situation so they can confirm the loss before you proceed with requesting a duplicate.

2. File an FIR (First Information Report)

In many cases, insurance companies will require a copy of the FIR to validate the loss of the policy document. To comply, head to your nearest police station to file an FIR. Make sure to include key details, such as the policy number and how and where the document was lost.

3. Publish a Newspaper Advertisement (If Required)

Some insurance companies may request you to publish an advertisement in a local newspaper. The ad should include important information such as your name, contact details, and a declaration of the lost policy. This step is more common with older insurance companies.

4. Sign an Indemnity Bond 

The final step involves signing an indemnity bond, which serves as a formal declaration that you're responsible for any inaccuracies regarding the loss of the document. This bond must be signed on non-judicial stamp paper, and you’ll need to have it notarized by a recognized notary. Ensure that the bond includes your policy details, such as your name and policy number. You will also need two witnesses to sign the document alongside you. Once you’ve completed all of these steps, you can submit your application along with the required documents. After verification, your insurance company will process your request and issue a duplicate copy of your bike insurance policy.

Pointers to remember when you apply a duplicate insurance copy for your two-wheeler

• Make sure you do not delay in requesting a duplicate copy of your bike insurance policy. Since it is illegal to drive your vehicle without one, it is important that you deal with a misplaced policy document promptly.
• Ensure you keep your vehicle documents such as the two-wheeler insurance policy, its registration certificate, and the PUC certificate safely. Additionally, you can take full advantage of government-approved applications such as DigiLocker and mParvahan to store your documents electronically. This way, you need not carry physical documents at all times. Instead, you can present these documents from your smartphone.

Where can I find my car insurance policy number?

The policy number is mentioned on the policy document by every insurance company. However, if you do not have even a photocopy of your vehicle insurance policy, there are a few different ways how you can find your car insurance policy’s number.

• First, you can log on to your insurance company’s website; in this case, Bajaj Allianz General Insurance Company’s website. By logging in to your account, you can know your policy number. Alternatively, even signing in to your mobile application can show you your policy number.
• Second, you can reach out to your insurance agent and get the details of your misplaced policy.
• Third, you can make a call to the insurance company’s official helpline. On verification of certain details, the insurer may furnish you with information about your car insurance policy.
• Fourth, you can visit your insurance company’s branch office.
• Last, you can visit the Insurance Information Bureau’s (IIB) website. The IIB maintains a record of all motor insurance policies issued in India.

Frequently Asked Questions

1. If I lose my original insurance policy, can I obtain duplicate copies?

Yes, it is possible to obtain a duplicate copy of your insurance policy even if you have lost the original car insurance policy. All you must do is download a duplicate copy from your insurance company’s website or request your insurance company to issue a duplicate copy.

2. What documents must I carry in my car while driving?

When driving your car, you need to carry four essential documents; three pertaining to your car and one for yourself. They are:

• Your driving license.
• The registration certificate of your car.
• Your car’s insurance policy.
• The Pollution Under Control (PUC) certificate for your car.

3. Can I file a car insurance claim during the grace period?

No, the grace period is a duration during which you can renew your car insurance policy without losing out on any renewal benefits. However, no claims are paid by the insurance company during this period. * * Standard T&C Apply 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.