1. Home
2. Blogs

Steps to Download Bike Insurance Policy by Its Vehicle Number

• 
• 
• 
• 0
• 0

Most two wheeler owners are aware that you must buy a bike insurance policy, since it is mandated by the law. However, there is a possibility that you have misplaced the document somewhere and cannot find it. In such a case, what should you do? Well, as long as you have a valid insurance policy, you can get a duplicate or digital copy of the policy. Here is how you can get them.

Why should you buy a bike insurance policy?

Though the law mandates all bike owners to have a bike insurance policy, there are quite a few other benefits that just meet the statutory requirements. Following are some of them.

1. Liabilities against third party incidents

It is quite possible to meet with an accident where a third party incurs a lot of injury or damage. In such cases, the onus of paying for the damage or injury is solely on the bike owner. However, a third party bike insurance policy will protect you financially in such circumstances. Also, if any legal issues arise out of the situation, the policy has your back.

2. Damage to your bike

If your bike is at the receiving end of any damage, you would want to repair it. Usually, bike owner ends up paying for the repairs from their pockets. Not unless you have a comprehensive or standalone own damage policy. A comprehensive plan will cover such expenses and provide the benefits of third party liability policy.

3. Add-ons

A major perk of choosing a comprehensive plan or standalone own damage plan is that you can opt for add-ons. ZERO DEPRECIATION BIKE INSURANCE is one of the most popular add-ons. By paying a small premium on your existing policy, you can choose add-ons that can enhance the coverage of the policy. For example, zero dep bike insurance ensures that the insurance provider takes care of depreciation, and you do not have to pay anything from your pockets. Other popular add-ons include engine protection cover, personal accident cover, etc.

4. No hefty fines

Since the law mandates bike owners to have bike insurance policies, not riding with one can result in hefty penalties from the traffic police department. But buying a policy will offer you immunity against a penalty of Rs. 2,000.

5. Peace of mind

Having insurance will make sure that you can munch kilometres on the go without worrying about anything. Comprehensive plans will protect you and your bike from most of the unforeseen events on the road. The insurance provider will take care of any damages or injuries or even medical bills.

How to download insurance using the vehicle number?

When you buy a bike insurance policy, the policy is issued to the vehicle number. The vehicle number is a unique identifier that not only differentiates it from other vehicles but is also associated with the engine and chassis number of the bike. If you are wondering how to download bike insurance policy via your vehicle number, here are the steps that you must follow.

1. Access the website of the Ministry of Roat Transport & Highways or your State Transport Department or TRO.

2. Enter the vehicle number or registration details on the website and click on submit.

3. The website will provide details of the policy.

4. Alternatively, you can visit the Insurance Information Bureau, which is regulated by the IRDAI, to view the details about your bike insurance policy.

Once you get the vehicle insurance details, you can visit the website of the insurance provider, enter the details and download a copy of the policy.

What documents do I need to download the bike insurance policy?

If you have misplaced your bike insurance document and want to get a copy of it back, there are a couple of simple things that you need to access the same. First and foremost, you will need the vehicle number of the bike. You can use it to get access to your insurance document via the steps mentioned above.

If you are wondering how to download bike insurance, you can visit the website or app of your insurance provider. Once you log in with the right set of credentials, you will be able to view the policy and download a copy.

FAQ

1. What will happen if I do not carry my bike insurance policy?

According to the law, you must always have your insurance policy on you. Failing to do so will attract hefty fines and, in some cases, even imprisonment.

2. How can I get a soft copy of the insurance policy?

To get a digital copy or soft copy of a bike insurance policy, you will need to visit the official website or app of your insurance provider. Log in to the website/app using credentials. Once you are in the app, look for my policies or search by your vehicle number. On completing any additional authorisation, such as OTP, you will be able to download a digital copy of the policy.

3. What should I do if I lose my insurance policy?

Firstly, you must inform your insurance provider about the loss of the document. Depending on their guidelines, you might need to file an FIR about the loss of a policy document. And lastly, you will need an indemnity bond that states your policy details and registration details of your bike. Once you submit all these, your insurance provider will assess the documents and issue a duplicate of the policy.

Conclusion

Misplacing insurance documents is a common occurrence. If you happen to misplace your third party bike insurance policy, you can use the steps mentioned above to either get a duplicate copy of the policy or download another digital copy of the same. However, you must always have insurance on you. If you have not bought insurance for your bike, you must do so right away to avoid any financial burden.

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

RELATED ARTICLES

Understanding the KYC Process in Two-Wheeler Insurance

Traffic Rules That All Two Wheeler Riders Ought to Know

Steps to Get a Vehicle Fitness Certificate

Steps to Renew a Lapsed Two Wheeler Insurance Plan

Can I Transfer Bike RC Without Insurance?

---

• 
• 
• 
•