If you’re driven in India, you know that driving a car on the country’s roads is a risky adventure. For that reason, your car could be under the risk of being damaged or meeting with an accident.
And if you’re a smart Indian, you must already possess a valid life insurance policy to keep yourself safe. More importantly, you must have a valid car insurance policy to keep your beloved car safe.
If you do not have a valid car insurance policy for your car, not only are you breaking the law but also endangering your car’s safety as well as losing hold of your financial planning because fixing your car is as expensive as getting a new car.
And if you already have a car insurance policy and want to stay prepared for any misadventure, you must remember to keep a duplicate copy of the policy document handy. If not, take all the help from this detailed guide on how to get a duplicate car insurance policy.
Importance of Having a Duplicate Car Insurance Copy
Losing things, especially important documents, is not difficult. If you’re a routine driver, you must always keep a duplicate copy of your car insurance policy handy.
While driving in India, it is likely that you can get hailed by the traffic police for any reason. When that happens, the traffic police will demand to see your driving license as well as the vehicle’s insurance policy. Failure to do so may result in hefty fines or even stricter penalties such as imprisonment in case you do not possess an active insurance policy.
In fact, it is illegal to drive a vehicle without an active insurance policy as enshrined in the Motor Vehicles Act of 1988 by the government of India.
How To Get a Duplicate Car Insurance Copy Online
The easiest way to get your hands on your policy documents is to use the power of the internet. Downloading your car insurance policy has never been easier, especially because every insurance business has a dedicated online portal that allows you to manage your policies.
To download your car insurance policy, simply follow these steps:
- Step 1: Visit your insurance provider’s official website or application.
- Step 2: Navigate to the “Car Insurance” or “Motor Insurance” section.
- Step 3: Login using your registered email address or mobile number.
- Step 4: Verify your entered details with an OTP.
- Step 5: After successfully logging in, you’ll be able to download your car’s active insurance policies registered with your email address or number.
How To Get a Duplicate Car Insurance Copy Offline
Though getting a duplicate car insurance policy is much easier online, it is also not difficult to procure the duplicate copy offline. Here are some of the ways through which you can get your duplicate car insurance copy offline:
Visiting a Branch Office: The easiest way to get a duplicate car insurance copy is to visit a branch office and get in touch with representatives of the insurance company who can assist you with the procedure.
Contacting Customer Support Staff: By contacting the customer support team through a call, live chat or email, you can easily ask for a hardcopy of your car insurance policy to be delivered to your mailing address.
Visit your Car Dealer: Lastly, if your car insurance policy was processed by an authorized car dealer, you can also get in touch with a representative from the car dealer’s office who can help you with procuring the car insurance policy for your vehicle.
How To Get a Hardcopy of the Car Insurance Policy
While securing your car with an insurance policy is highly important, it is not mandatory for you to possess the hardcopy of the same.
These days, you can easily purchase car insurance policies from an insurance provider’s website or you can browse through hundreds of policies sold by various insurance providers on applications like policybazaar.com.
When you make insurance purchases online, you will be immediately sent the details on your email as well as your registered number. Many companies will also choose to mail a hardcopy to your mailing address as well as deliver the information on your WhatsApp inbox using a Chat Bot.
However, if you still need to get a hardcopy of your car insurance policy, you can contact the customer support staff of your insurance provider. The details of contacting the support staff is usually easily accessible on the website of your insurance provider.
Frequently Asked Questions (FAQs)
What are the details mentioned in the car insurance policy?
Your car insurance policy document mentions all the details relevant to your car. Apart from your basic details and contact information, the policy document will mention your vehicle’s registration number, premium information, sum insured, coverage type, validity length and all the terms and conditions of the policy.
Can I get a duplicate car insurance policy if I lose my original copy?
Yes, you can get a duplicate car insurance policy if you lose your original copy. You can easily download it from your insurance provider’s website using your registered email address or number and/or policy number..
Can I download my car insurance policy without using the policy number?
Yes, if you do not have your policy number, you can download your car insurance policy from your insurance provider’s website using your registered email address or number and/or vehicle number.
Can I make changes to my car insurance policy?
Making changes to your car insurance policy depends on the type of policy you have as well as your insurance provider’s service. If you wish to make changes to your car insurance policy, you must contact your insurance provider’s customer service support.
