What happens if you lose your Car Insurance Policy?
Many of us might have faced the situation of losing the car insurance policy which could have been due to many reasons. Once the car insurance policy is lost, it might be difficult to show to the traffic police or the authorities during the search. Earlier the policies were printed and an original copy was provided to the customer to keep it safe and use it in case of a claim. But due to the advancement in technology, these days the insurance policies are sent online via mail or whatsapp.
The insurance policy can be downloaded and shown at any point of time, but what if there is a situation where you have not received the insurance copy digitally and the only hard copy of the insurance policy is missing? Let us understand how to act if your insurance policy is lost:
1. You know your Insurance Company:
The first scenario is where you have lost your car insurance policy but you were not able to retrieve it from your mail or any other means and the only thing you remember is the insurance company name. In this scenario it is advisable to approach the insurance company stating that you have lost your car insurance policy.
How to renew insurance online? Insurance companies have the data base to store the policies issued over a period of time. You need to tell your car number, engine & chassis number, Mobile number to enable the insurance company staff to search for your policy. Once the policy is found in the data base of the insurance company, a duplicate insurance policy will be provided by the insurance company.
2. You Don’t know your Insurance Company:
The other scenario is where your car insurance company name is not known to you. In this case there is little possibility to get the duplicate car insurance policy copy.
- Agent: You can try to remember the name of the agent from whom you have taken the car insurance policy. The agent can be a person or bank or petrol bunk or broker or car showroom etc. You need to approach them for a duplicate car insurance policy. They do maintain the database of the insurance policies issued by them. Best car insurance agent is the one who is available at any point of time to their customers and provides satisfactory service.
- Parivahan Portal: Government of India has started a portal named “Parivahan” to store the details of a vehicle such as Model, Make, Registration Date, Insurance details etc. Some of the state governments also have similar apps which store the details of the car. From these portals and apps the insurance company name can be found out and also the date of expiry can be found from these portals.
3. At the time of Claim:
Insurance is a service and not a product which is tangible. Hence the real use of insurance comes at the time of claims. If the policy copy is not available at the time of claim, then it would be highly difficult to identify the insurance company to approach for a claim. Technology has grown by leaps and bounds and there are many ways to store the car insurance policy copy and retrieve it at the time of claim.
It is advisable to keep a soft copy of the car insurance policy copy in your mail as well as Xerox copy at your home. This helps in retrieving the car insurance policy copy of the original policy copy is lost.
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