How do you claim bike insurance without a driving licence and RC?

Posted on: Jul 6, 2023 | | Written by:

How do you claim bike insurance without a driving licence and RC?

Published on July 06, 2023. EST READ TIME: 3 minutes

At some point or the other, a lingering question crosses the mind of every two-wheeler rider, “can we drive bike with learning license?” The simple answer is “Yes”. You can even file for a bike insurance claim without a driving licence under specific circumstances.

Under such tricky contingencies, comprehensive bike insurance acts as the saviour. These benefits are unavailable in the case of third-party coverage.

Bike insurance claim without DL and RC

Under general circumstances, producing your Driving Licence and the vehicle’s Registration Certificate is mandatory while filing any claim from the concerned insurance provider. However, if you maintain a comprehensive plan with the loss of the DL and RC add-ons, you can even file any claim even without the driving licence/registration certificate.

Accidents are unprecedented and may happen at any time, even before the concerned two-wheeler gets registered. Therefore you must wait to produce the RC while filing the claim. Moreover, you may even face an accident while driving a two-wheeler without a driving licence.

While filing for the claim, you may even lose the RC or the DL. A comprehensive plan with the loss of a driving license or registration certificate of the bike as an additional benefit saves the day under such tricky situations.

Benefits of opting for the add-on of Loss of Driving License or the Registration Certificate:

The add-on of loss of DL or RC comes with a host of handy advantages. Some of the most highlighting benefits of this add-on include:

1. Easy claim application without possessing the registration certificate/driving licence

2. In the unfortunate case of the loss of RC/DL, this add-on aids in providing relevant financial compensation for acquiring second copies of every lost document

3. This specific additional benefit is easily available with a nominal charge added to your existing premium amount

4. This add-on of loss of RC or DL is only available with the purchase of a comprehensive two-wheeler insurance plan only and not with the third party bike insurance plan.

5. This add-on proves to be quite helpful for a smooth claim settlement procedure

6. It acts as a protective shield for all your vehicle-related documents like the Registration Certificate and the Driving Licence.

Two-wheeler package comprehensive plan or standalone own damage plan with an add-on of loss of licence/RC:

You can avail of two convenient options to buy this add-on for losing your Driving Licence/RC with both the comprehensive and stand-alone two-wheeler coverage plans. There is no need to produce any other additional documents to purchase these add-on facilities.

However, you must produce certain documents mandatorily while purchasing the stand-alone cover and the comprehensive plan. Among this list of documents, one of the most vital documents includes the FIR, filed with competent authority immediately after discovering the loss of the RC/DL.

Other important details include the chassis and the engine number of the concerned vehicle, a copy of the valid insurance plan of the concerned vehicle, mentioning the Loss of Licence/RC add-on.

What do you need to do if you lose your Smart Card Driving Licence or RC?

Under any unfortunate circumstances, if you accidentally lose your Smart Card DL or the Registration Certificate, you must follow these below-mentioned steps to avoid any legal consequences:

1. On discovery of the loss, you must immediately file a police complaint at that specific jurisdiction of the loss.

2. Ensure to collect the FIR copy that you filed.

3. Then visit your designated RTO to apply for duplicate copies of the lost documents after paying the necessary charges.

4. You can even apply online using the designated web portal of Parivahan for acquiring duplicate copies of the vehicle documents.

5. If you possess a Smart Card or a smart driving license and seek to acquire the same, completing the biometric procedure is mandatory.

6. The second copy of your bike's Registration Certificate/Driving Licence will be automatically delivered within a few days to your registered address.

However, while you file a claim in the absence of the DL/RC, you need to keep certain things in mind:

1. Maintain the specific time limit as mentioned by your concerned insurance provider for the claim application

2. For offline claim applications, all the data must be correctly entered

3. Before you begin the claim procedure, ensure that you possess all the relevant documents ready at hand

4. Ensure that your two-wheeler insurance plan remains active. You have to renew two wheeler insurance of your vehicle on time before it lapses.

5. You must provide all relevant proofs and details to ensure that your claim is processed smoothly and remains hassle-free.

6. Before the claim application, you must read all the relevant terms and conditions or the specific rules and regulations of the policy-related document prior to claim application.

Conclusion

This article highlights the benefits of possessing a rider to cover your claims even in the DL's absence or the absence of the RC.

FAQs

1. Is it possible to avail of the benefit from the RC/DL loss rider with a standalone third-party-only bike insurance plan?

No, this rider facility is exclusively available with the comprehensive insurance plan or the standalone damage cover, but not with third-party insurance coverage.

2. How does the RC or DL loss cover add-on offer coverage against the damages that occurred to the RC/DL?

No, this add-on exclusively covers the loss of the DL/RC. This add-on does not cover any damages caused to the documents and you have to personally bear all the associated damage costs.

3. How to find out whether my insurance provider offers the add-on facility of the Loss of DL or RC with my bike insurance plan?

You can contact your insurance company directly to speak with their customer care executive. You can even visit their official website or utilise the online chatting facilities to solve your queries.

4. Does the RC/DL loss add-on cover the loss of temporary RC?

Yes, this particular add-on coverage even covers temporary RC loss too. You can easily raise a claim even under such circumstances.

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

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