Insuring without a trace: How to insure your car without an old insurance copy?
Navigating the Maze: Replacing Lost Car Insurance with Zurich Kotak's Swift Solutions.
Car insurance is an important document when you want to drive a four-wheeler in India. However, in the event of loss or damage to the insurance document, a policyholder can request a copy of the insurance policy from the insurance provider. Car insurance from Zurich Kotak General Insurance provides comprehensive coverage and also assists in the event of loss of the policy document from the comfort of your home. This article will help you understand how to insure your car without an old insurance copy.
As we already know, as per the laws of the Indian Motor Vehicles Act, 1988 it is mandatory to have an insurance policy as driving without a valid car insurance policy or coverage without previous insurance is a punishable offence that incurs a hefty penalty. Also, if the car insurance policy is lost it gets difficult renewing car insurance. So, the first and foremost important step is to get hold of a duplicate car insurance policy.
The following are detailed steps for getting duplicate car insurance in case your existing car insurance is missing, lost, or damaged:
Submit an application:
The policyholder is required to submit an application to the insurer regarding the issuance of a car insurance copy. In the application, the beneficiary must mention correct details like the name of the policyholder, car insurance policy number, date of issuance of the policy, and type of insurance cover. Additionally, the reason for applying for a duplicate insurance copy must be stated.
Contact the insurance agent:
In case you have purchased car insurance from an insurance agent chances are he might have an additional car insurance copy.
Contact the insurance company:
Insurance companies have a customer support department that is equipped to handle all kinds of queries related to servicing issues. These departments help the customers by satisfying their queries.
Register an FIR:
Many insurance companies do not provide duplicate car insurance policies without an official FIR copy. Therefore, the customers must visit the police station and register an FIR.
Process of application for duplicate car insurance via offline mode:
Step 1: Inform the insurance provider about the loss of the car insurance policy via call, email, or by visiting the insurer's office. This is important because policy renewal without old copy of the insurance policy is not possible.
Step 2: File an FIR at the nearest police station
Step 3: visit the office of the insurer and submit all the required documents duly filed and signed.
Process of application for duplicate online car insurance:
Step 1: Online policy issuance is very common nowadays. Similarly availing duplicate car insurance policy is easily possible by visiting the official website of the insurer
Step 2: search and click on the downloaded e-copy of the car insurance policy.
Step 3: fill in the required information like the registered email ID or mobile number
Step 4: the insurer will ask for verification via an OTP on a registered mobile number or email ID.
Once all the required verification is complete the insurer will send a copy of the online insurance policy to your registered email ID.
Usually, the policy document is in PDF format. Download the copy and keep it safe.
The final note
Thus, in this manner, you can avail a copy of your car insurance in case it is lost, misplaced, or damaged. having a copy of car insurance will ensure easy and timely car insurance renewal. With technological advancement, you can now avail and secure your car insurance online.
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