Categories
Motor Insurance

Can I claim car insurance for dents and scratches? (Top 3 things to learn)

Can I claim car insurance for minor dents & scratches?

a moving car

Can I claim car insurance for dents and scratches? (Top 3 things to remember)

Indian roads and Indian traffic is notorious for being difficult on cars. The sub-standard quality of roads may affect the suspension system of the car, and the bumper to bumper traffic may lead to scratches and dents on your vehicle.

This is the reason why even the best maintained Indian cars have a slight amount of scratches and dents at any given time.

Naturally, the question then arises “Can you claim car insurance for minor scratches & dents?” The answer is “Yes.” If you have a comprehensive car insurance policy, you can make a claim to the insurance company towards minor dents or scratches.

Let us discuss this briefly below.

Should I make a claim for minor scratches & dents? (Top 3 things to remember)

Having a comprehensive motor insurance policy gives you the ability to make a claim even on minor issues, but the policyholder should be cognizant on some of the pitfalls of doing so. Here are some of the reasons why you should not make a claim for minor issues:

Increases premium

If you continuously make claims for minor issues, your insurance company will likely increase the premium rate during policy renewal. This may not make it worth your while to make minor claims.

Erodes No-Claim Bonus (NCB)

Insurance companies provide an incentive to policyholder to not make claims by providing policyholders a No Claim Bonus (NCB). For instance, if an insurance company provides an NCB of 20% for not making a claim in the calendar year, the policyholder will get a discount of 20% on his renewal premium payment. Making a claim for minor issues will erode this NCB for the policyholder.

Deductibles

A deductible is the amount the policyholder has agreed to pay out of pocket in the event of a claim. For instance, if a motor insurance policy has a deductible component of 3000, that means that the policyholder will need to at least make a payment of 3000 up front for his damages. The rest of the payment will be borne by the insurance company.

There are instance where it would not be worth for the policyholder to pay a deductible. For instance, the damages can be worth 3000 and the deductible could also be 3000. In this case, the policyholder will essentially be making the entire payment himself despite making a claim with the motor insurance company.

A motor insurance claim should be made after taking into account the following aspects; the NCB, deductible, and the expected hike in premium. It should be worth it for the policyholder to make a claim. He should ideally not make a claim if the above factors are not favorable in the long run

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Enter your details

Frequently asked questions

  • Will I get own damage coverage if I buy Third-Party insurance?

    No. You will not get own damage coverage if your insurance policy is a Third-Party insurance policy. No damages to your own vehicle will be serviced by the insurance company in a Third-Party policy.

  • Should I make a claim for minor dents and scratches?

    It is ideal if you do not make a claim if the damage to your vehicle is minor. Making a claim in such cases most likely would not make financial sense.

  • Can I make a minor claim if I have a comprehensive motor insurance policy?

    Yes, you are eligible to make a claim for minor scratches, dents, and damages if you have a comprehensive policy.

  • Categories
    Motor Insurance

    Is PA cover mandatory for bike insurance? (2 Simple Examples)

    So, you want to know if PA insurance is mandatory?

    scooter

    Is PA cover mandatory for bike insurance? (2 Simple Examples)

    PA cover stands for Personal Accident cover. A PA cover provides insurance coverage against accidental hospitalization. For instance, if a bike rider has met with an accident and he has a PA cover of 10 Lacs, he will be eligible to receive health insurance coverage up to 10 Lacs.

    Now, the question arises “Is PA cover mandatory?” Yes, taking a PA cover is mandatory for anyone taking a bike insurance policy, be it a Third-Party bike insurance policy or a comprehensive bike insurance policy, PA cover is mandatory.

    That being said, if a person already has a separate accident insurance policy (with coverage of 15 Lacs or beyond), he does not need to opt for an additional PA cover while buying bike insurance. Let us understand this with the help of 2 simple examples.

    Example 1

    Let us assume that Mr. Shyam wants to take a bike insurance policy. At the same time, he does not have any accidental insurance under this name. In this case, Mr. Shyam will need to compulsorily buy a PA cover along with purchasing his bike insurance as per The Motor Vehicle Act, 1988.

    Example 2

    Now, let us assume that Mr. Tony wants to purchase a bike insurance policy. Mr. Tony has a separate health insurance policy under his name that also provides coverage against accidents.

    In this case, Mr. Tony does not need to opt for additional PA coverage while buying bike insurance. He can simply buy a plain vanilla bike insurance policy without the PA coverage.

    Further, it should be noted that the sum insured under an accidental policy should be at least 15 Lacs for the person to wave off additional PA coverage.

    Finally, it would be prudent choice to opt for additional PA coverage even though a person has an additional accidental insurance coverage as the increase in premium is very marginal, and in return, the policyholder is provided additional accidental coverage.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Categories
    Motor Insurance

    Learn how to check your vehicle’s PUC certificate online

    certificate

    Learn how to check your vehicle’s PUC certificate online (In Simple Steps)

    One should always have his vehicle’s Pollution Under Control (PUC) certificate handy. The PUC certificate is a mandatory document that can be demanded by the traffic police at any time, and not having it on hand can lead to fines and penalties.

    A PUC certificate is directly disbursed by the place where the PUC test of your vehicle is undertaken. Take the PUC certificate and keep it within the vehicle at all times.

    There are also times where you may want to check the validity of your PUC certificate. This article will shed some light on how you can check your vehicle’s PUC certification online.

    Let us begin!

    Check your PUC certificate through VAHAN

    You can simply check the validity of your PUC through The Ministry of Road Transport and Highways’ VAHAN website in 3 simple steps.

    Step 1: Visit the VAHAN website

    VAHAN website
    The VAHAN website

    Once you are on the VAHAN website, navigate to the “Online Services” section and click on “PUCC” from the dropdown.

    Step 2: Click on “PUC Certificate” from the top bar

    PUC certificate section
    PUC certificate section

    Step 3: Enter your details

    PUC certificate page
    PUC certificate page

    Once on the PUC Certificate page, you will have to enter the following details:

    • Registration number
    • Chassis number
    • Security captcha

    Press on the “PUC Details” button once all the above details are correctly entered.

    Step 4: Check your PUC certificate online

    Example of PUC certificate
    Example of PUC certificate

    Here you can check the status and validity of your PUC certificate. Details mentioned within will be:

    • Registration number
    • Category
    • Stroke
    • Fuel type
    • Make of vehicle
    • PUC figures

    We hope this article provided you with conclusive information on how you can check the status of your car/bike’s PUC status online using the Parivahan tool offered by the Ministry of Road and Highways of India. Always be safe, and always be prepared before each ride!

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Frequently asked questions

  • What is the full form of PUC?

    PUC stands for Pollution Under Control.

  • Is having a PUC certificate mandatory?

    Yes, having a valid PUC certificate is mandatory under The Motor Vehicles Act.

  • How often does PUC need to be done?

    The PUC test of a vehicle needs to be done once every 6 months.

  • What is the validity of a PUC certificate?

    6 months

  • Why is a PUC test done?

    A PUC test is done with the intention to ensure that a vehicle’s pollution emissions are in check with the pollution norms of the state.

  • Is a PUC certificate valid Pan-India?

    Yes, a valid PUC certificate is valid across India.

  • Categories
    Motor Insurance

    Top 2 ways to check your bike insurance expiry date online

    motorbike

    Top 2 ways to check your bike insurance expiry date online

    You like to zoom across the streets and feel the wind in your hair? That’s awesome! But always remember to wear a helmet and ride your bike safely. It’s important to follow the rules of the road while you’re riding.
    It is also equally important to have always ride with a valid bike insurance policy with you. Let’s check out the top 2 ways you can check your bike insurance expiry date online, and be on top when it comes to renewing your bike insurance policy.

    Check your expiry date via VAHAN

    The VAHAN NR e-Services website is provided by The Ministry of Road Transport & Highways. VAHAN provides a host of beneficial services like transfer of ownership, change of address, issuance of vehicle fitness certificate, penalty payment, issuance of national permits, and more.

    VAHAN also furnishes important vehicle centric information like:

    • Bike insurance expiry date
    • Bike registration date
    • Bike insurance status
    • Road fines levied on vehicle

    Simply click on “Know your details” on top bar of the VAHAN website, and enter your registered mobile number in the next page, you will be redirected to a page where all vehicle centric details, including your bike’s insurance expiry date will be furnished.

    VAHAN homepage
    VAHAN homepage
    VAHAN login page
    VAHAN login page

    There is another way you can check your bike insurance expiry date. It is through the IIB website. Let us see how you can do that below.

    Check your expiry date via IIB

    Step 1: Visit the IIB website

    IIB homepage
    IIB homepage

    Step 2: Click on V SEVA

    Click on V seva
    Click on V seva

    Step 3: Fill-in your details

    V SEVA form
    V SEVA form

    You will need to fill in your details like:

    • Name
    • Email ID
    • Mobile number
    • Address
    • Registration No

    Step 4: Check your bike details

    Post filling the form, you will be redirected to a portal where all your bike details (including insurance expiry date) will be furnished.

    Apart from these two methods, certain insurance companies also provide an online feature on their respective websites where you can login and your policy details will be visible via the portal.

    You can also check your insurance expiry date via your insurers website if they provide this feature.

    All said and done, always be certain about the expiry date of your policy, and never ride with an expired insurance policy.

    Crore
    Vehicles registered with Parivahan (As of 2022)
    Crore
    Licenses issued by Parivahan
    Lacs
    Licenses issued in 2022 by Parivahan

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Frequently asked questions

  • What is the full form of IIB?

    IIB stands for Insurance Information Beureu.

  • What is the official website of IIB?
  • What are some of the main objectives of IIB?

    The top 3 main objectives of IIB include:

    1. Keeping a repository of insurance data
    2. Report publishing
    3. Research and development
  • Who is the CEO of IIB?

    Shri Kunnel Prem (as of 2022)

  • What is the official website of Parivahan?
  • What are some of the services offered by Parivahan?

    Top 10 services offered by Parivahan website are:

    1. Maintenance of vehicle database
    2. Vehicle registration
    3. Fancy number allocation
    4. Issuance of permits
    5. Homologation
    6. VLTD making
    7. e-Challan 
    8. Citizen guide
    9. License, registration, and insurance details
    10. Issuing learners license
  • Categories
    Motor Insurance

    What does IMT 23 in insurance mean?

    a moving car

    What does IMT 23 in insurance mean?

    There are two major classifications in motor insurance; private motor insurance, and commercial motor insurance. Both of these types of motor insurance policies operate in similar fashions, the only difference being in the coverage extended. 

    A commercial motor insurance policy usually provides lesser coverage compared to private motor insurance. The reason for this being is that there is more wear and tear in a commercial car due to its very high usage. The higher the usage, the riskier it is for the insurance company to provide coverage.

    That is why commercial motor insurance usually excludes coverage of items like fender, bonnet, bumper, front headlights, tires, and paint. How can someone circumvent this? Let us find out.

    If you are a commercial motor insurance policyholder, you can buy motor insurance with Indian Motor Tariff 23 (IMT 23) coverage. Buying a commercial motor insurance policy with IMT 23 will ensure that your motor insurance company will at least provide up to 50% coverage of items like paint, tires, bonnet, fender, bumper, and front headlights.

    Total coverage will not be provided by the company on these parts, but something is better than nothing, and 50% coverage is better than 0% coverage. IMT 23 coverage can be purchased along with a host of other motor insurance riders like engine-protection, key-protection, zero-depreciation rider, among other riders.

    Layering one rider on top of another rider will increase the coverage of your commercial vehicle, and ensure a better night’s sleep. IMT 23 coverage is available with most major general insurance companies.

    Be sure to ask your insurance company or insurance agent for complete details on the IMT 23 rider the next time you intend to purchase a commercial motor insurance policy for your vehicle.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Frequently asked questions about IMT 23

  • Is it mandatory to take an IMT 23 rider?

    No, it is not mandatory. That being said, it is recommended.

  • Can I take IMT 23 coverage along with other riders?

    Yes, you can combine one or more riders together.

  • What is the maximum coverage provided under IMT 23 for typically non-covered items?

    Up to 50% coverage will be provided on typically non covered items like bumper, tires, bonnet, etc.

  • Categories
    Motor Insurance

    Understanding ZD, EP, & CM in car insurance? (In very Simple Terms)

    car insurance

    Understanding ZD, EP, & CM in car insurance? (In very Simple Terms)

    Ever wondered what are the multiple add-on covers provided in car insurance? Well, you have come to the right place.

    Let us talk about the following:-

    • Zero depreciation cover (ZD)
    • Engine protection cover (EP)
    • Consumables cover (CM)
    • Personal liability cover (PL)
    • Key protector cover (KP)

    Zero depreciation cover (ZD)

    When opting for a Zero/nil depreciation cover, the insurance company is entitled to settle the claim amount without taking the depreciation cost of various parts of the car into consideration. This particular cover helps the policyholder claim the full amount for car parts that would depreciate due to normal wear and tear, or in case of any accidental damage.

    Engine Protection cover (EP)

    This particular add-on cover insures the policyholder against any losses due to damages or breakdown of the car engine. It covers the costs of expenses arising out of any mechanical/ electrical breakdown of the insured’s. This cover insures parts like gearbox, piston, crankshaft, etc against any damage.

    Consumables cover (CM)

    This add-on cover in the car insurance policy pays for consumable items used in the maintenance of cars like air conditioner’s gas, grease, engine oil, fuel oil, lubricant clip, break oil, filter oil, bolts, screws, nuts, etc.

    This cover can help the policyholder save a lot of money for consumable items that are used in the daily maintenance of the car at just a little extra premium.

    Personal Liability cover (PL)

    Personal liability coverage comes into play when the policyholder is at fault in an accident. It covers the medical costs of the opposite driver and the passengers.

    Note that this cover will not provide any compensation for the insured’s car or the cost of his medical expenses in case of any injury.

    A simple example of Personal Liability cover (PL)

    Let us assume that Mr. Subhash has opted for a personal liability cover along with a comprehensive car policy.
    Further, let’s assume that Mr. Subhash accidentally breaks the signal and runs his car into another person, injuring another driver and causing him a fracture.

    Since Mr. Subhash had opted for a personal liability cover, the insurance company will be liable to cover medical expenses of the driver as well and the car damages.

    Key Protector cover (KP)

    As the name suggests, this cover reimburses the policyholder in case of any loss, theft, or damage to the insured’s car key. One should bear in mind that the KP rider is an additional rider that the insurance company offers in charge of some extra premium.

    A simple example of KP in car insurance

    Mr. Kapoor purchased a KP rider along with a comprehensive car insurance policy. A few weeks later he lost his car keys. As he opted for a KP rider, the company is liable to pay him compensation for his lost keys.

    Think you know everything about car insurance riders? Take this Quiz and prove it!

    Click on “Next” to begin!

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Frequently asked questions about factory and warehouse insurance

  • Is it compulsory to buy add-on covers in car insurance policy?

    No, it is not compulsory to buy an add-on cover, although it is recommended, as it will provide the policyholder a higher blanket of safety towards their vehicle.

  • Are add-on covers widely available?

    Yes, add-on covers are widely offered by many insurance companies.

  • Can we buy multiple add- on covers at one time?

    Yes, you can opt for multiple add-on covers depending on your requirements.

  • Categories
    Motor Insurance

    What is Cons and KP in Car Insurance? (Simple Guide)

    a moving car

    What is Cons and KP in Car Insurance? (Simple Guide)

    So, you’re planning to buy car insurance for your car and have come across the terms such as ‘Cons’ and ‘KP’ insurance? This simple guide will tell you everything you need to know about both these terms, so you can make an informed decision and buy the perfect car insurance policy for your car.

    Understanding the meaning of these terms will assist you in effectively navigating through any motor insurance brochure and insurance bond.

    This article will talk about the following:-

    • What are consumables in car insurance?
    • What is KP (Key Protect) in car insurance?

    What are consumables in car insurance?

    Consumables are basically all the things that your car consumes while running. Things like oil, coolants, steering oil, gear oil, AC lubricants, grease, etc. It should be noted that fuel (i.e petrol/diesel/CNG) does not come under consumables. A motor insurance policy will generally not cover the costs of any consumables, and you being the customer must be aware of this.

    What is KP in car insurance?

    KP stands for Key Protect rider. If the motor insurance policy provides KP, the insured is protected against loss and theft of their vehicles key. In the event of loss, theft, or damage to the insured’s car key, the insurance company will compensate the policyholder for this loss.

    You should keep in mind that the KP rider is generally an additional rider that the insurance company offers. You will most likely need to make a small additional payment to the insurance company to get the Key Protect rider.

    The decision on whether to opt for the KP rider should be based on the potential cost incurred by the vehicle owner if he/she loses access to their car key.

    Example of KP in car insurance

    Mr. Sham opted for a KP rider while buying his motor insurance from HDFC ERGO. A month later, he met with an unfortunate theft of his car key. As he opted for a KP rider, HDFC ERGO paid him compensatory damages to compensate him for his car key loss.

    Take this simple Quiz and test your knowledge! Press on “Next” to start!

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Frequently asked questions

  • Is a KP rider mandatory?

    No. You can opt to not buy a KP  rider if you want.

  • Does fuel come under consumables in car insurance?

    Fuel does not come under consumables when it comes to car insurance.

  • Is KP widely available?

    Yes, the Key Protect rider is widely available across the Indian insurance market.

  • Categories
    Motor Insurance

    How to Get VIN, Chassis Number, and Engine Number Online?

    How to Get VIN, Chassis Number, and Engine Number Online?

    When it comes to vehicles, people think that their registration number is the most important thing. However, in addition to it, other numbers are equally important. These are- vehicle identification number (VIN), engine number, and chassis number. You can easily find these numbers on your vehicle’s registration certificate or chassis and the engine of your vehicle where the numbers are inscribed.

    But in case you can’t locate these numbers or need them urgently, you can always get them online. Before understanding how to get VIN, chassis number, and engine number online, let’s understand what these three numbers mean and why they are important.

    What is a vehicle identification number?

    A Vehicle Identification Number (VIN) is a code of 17 characters used to identify private and commercial vehicles. This code is created using various numbers and letters and is unique for each vehicle.

    What is a chassis number?

    The chassis number is nothing but the last six characters of your vehicle identification number.

    What is an engine number?

    The engine number is a unique code given to each engine of a vehicle.

    Why are these numbers important?

    These three numbers serve the main purpose of identifying the vehicle. The VIN possesses important details related to your vehicle like the place of production, year of manufacture, RTO location, insurance policy, etc. Whereas the chassis and engine number can identify your vehicle amongst a thousand similar ones.

    Now if your vehicle is stolen, the registration number on your number plate can be easily changed. Hence to give each vehicle a unique Identity these numbers are very important.

    If you are purchasing a second-hand vehicle, checking the VIN will ensure that the vehicle’s history is clean and will not create any trouble for you in the future. Having no knowledge of these numbers may lead an individual to fall prey to fraudulent dealers. These numbers can help you identify the authorized vehicles and save you from malicious acts.

    How to Get VIN, Chassis Number, and Engine Number Online

    These three numbers can be easily found online on VAHAN. VAHAN is an online national registry launched by the Ministry of Road Transport and Highways to help customers trace their vehicle details. Here is the process you need to follow to get these numbers on VAHAN.

    1. You’ll need to visit the official website of VAHAN

    (https://vahan.nic.in/nrservices/faces/user/login.xhtml).

    VAHAN homepage
    VAHAN homepage

    2. After that, you are required to click on “Know Your Vehicle Details” from the menu bar.

    3. A dialog box will open where you’ll need to enter your vehicle’s registration number and then the CAPTCHA code mentioned on the screen.

    VAHAN vehicle search
    VAHAN vehicle search

    4. Click on “Search Vehicle”

    5. All the details of your vehicle including the VIN, Chassis Number, and Engine Number will appear on the screen.

    VAHAN registration details
    VAHAN registration details

    Vehicle identification number, chassis number, and engine number are some of the most important numbers you as a vehicle owner should know about. If you find it confusing to locate these numbers on your vehicle, follow the steps above to find the numbers online in just a few clicks.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Categories
    Motor Insurance

    How to update insurance details in mParivahan?

    license

    How to update insurance details in mParivahan?

    It is important that you have your car insurance details updated in mParivahan as out-of-date information may lead to fines. Let us address how you can get your car insurance policy updated on the mParivahan App. But first, let us know what is mParivahan.

    What is the mParivahan App?

    mParivahan is an application made by The Road Transport and Highways Ministry of India. The app provides access to various important motor-related details such as vehicle owner name, car make, model, registration date, registering authority, fuel type, vehicle age, vehicle type, insurance validity, etc. It is also a reliable government app for All India RTO vehicle Registration Number Search.

    First, let us discuss how an insurance policy gets automatically updated in the mParivahan app.

    Whenever you buy an insurance policy from an agent or online. Its data gets stored in the insurer’s server. Supposing you have bought a car policy, the details of the car policy will get stored in the insurer’s server.
    Now that your car policy details get stored in the insurer’s server, the insurance company will send your policy details to the RTO.
    Post this, the vehicle details and the details of the policy will be matched verified, and updated in the mParivahan app within 72 hours.

    What if your insurance details don’t get updated In the mParivahan app?

    Usually, it takes up to 72 hours for your latest insurance policy details to get updated in the Mpravahan app, in case your policy detail is still not updated, You can write a mail to:- helpdeskmparivahan@gov.in
    Addressing your query with valid car and policy details. You should receive a reply from the mParivahan support group within 24 hours and your policy will get updated shortly.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details

    Categories
    Motor Insurance

    How to get a duplicate car insurance copy online?

    duplicate copy

    How to get a duplicate car insurance copy online?

    Your car insurance policy document is a legal document that mentions the inherent terms and conditions between the policyholder and the insurance company. It also acts as proof of insurance for the insured. Hence, it is crucial for the policyholder to safeguard their policy documents so that they may come in handy when required.

    There can be instances where you may misplace, lose, or damage your policy documents. What should you do then? don’t worry! This article will talk about just that.

    Let us show you how you can get your duplicate car insurance policy copy online

    In this article, we will learn:

    • How to get your duplicate car insurance policy copy online?
    • How to get your duplicate car insurance policy copy offline?

    How to get your duplicate car insurance policy copy online?

    This is a faster and easier method to procure a copy of your car insurance policy.

    Steps to get your duplicate car insurance policy copy online

    Step 1– Kindly visit your insurance provider’s website.

    Step 2– successfully log into your profile by entering valid details like your policy number, full name, registered mobile number, etc.

    Step 3– Download your policy document via the insurance company’s online dashboard.

    Step 4– View and examine your policy document and take a printout for safekeeping.

    How to get your duplicate car insurance policy copy offline?

    Now, let us guide you on how you can get your motor insurance papers offline:

    Step 1Intimate your insurance company
    You must immediately inform your insurance company that you have lost your car insurance policy papers. Doing so immediately will enable the insurance company to initiate the process of issuing a duplicate copy of your insurance policy.

    You can inform the insurance company at the earliest on their toll-free number or even via email. Further, you can also inform your insurance agent about the same.

    You can find the relevant toll-free number and email address on the official website of your insurance company.

     

    Step 2File an FIR (First Information Report)
    You will have to file an FIR with the nearest police station. This will act as proof that you have lost your car insurance papers. You will then have to submit the FIR copy to the insurance company to get a duplicate policy copy from them.

     

    Step 3Give advertisement in a local newspaper
    After filing the FIR, you will also be required to submit an advertisement in a state newspaper, stating the loss of your car insurance policy. You will have to bear the expense for the ad from your own pocket and the insurance company will not be liable for the same.

     

    Step 4Submit an application to the insurance company
    Apart from informing your insurer, you will also have to submit a formal written application to them requesting duplicate policy documents. Kindly provide them the application with all the valid details regarding your policy such as your policy number, full name, date of issuance, type of coverage, etc. Submit the written application along with the Police FIR.

     

    Step 5- Acquire an indemnity Bond
    The final step would be to get an indemnity bond made to acquire your policy documents and then submit them to the insurance company. The bond must include your full name and you will also require two witnesses to sign on it. You are required to sign an indemnity bond on non-judicial stamp paper and get it notarized. Once you submit the indemnity bond to your insurance company, they will issue you your duplicate car insurance policy copy.

    Conclusion

    it is mandatory to carry your car insurance documents while you travel. If you have misplaced/lost them follow the steps mentioned above to procure the insurance copy to avoid any penalties or fines.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Enter your details