Can I Raise Bike Insurance Claim Without Driving Licence or RC?

There can be various situations where you lose your two wheeler driving licence and/or registration copy of your bike and want to file a two wheeler insurance claim. Most insurers require these documents for processing the claim. But what if the bike gets into a collision before the registration process is complete? Or your friend is riding the bike since you don’t have a driving licence? Or, have you lost your driving licence and/or RC? Does this mean that you will not be able to raise a claim?

The good news is that you can file a bike insurance claim even if you don’t have your two wheeler driving licence or bike registration certificate, subject to certain terms and conditions. Also, you will need a Loss of Licence or RC Add-on Cover.

When you buy a Comprehensive Two Wheeler Insurance policy or Standalone Own Damage Insurance for Two Wheeler, you can opt for an add-on cover to customise the coverage as per your needs. Add-on Covers increase the premium of the policy but allow you to boost the scope of coverage of the policy. A Loss of Driving Licence or RC add-on cover allows you to raise a bike insurance claim even if you don’t have your RC or Driving Licence at the time of filing the claim.

However, it is important to remember that all insurers might not offer this add-on. Hence, if you decide to buy bike insurance online, then look at the list of add-ons offered on the insurer’s website. If you are considering getting bike insurance from Tata AIG, you can use the bike insurance calculator to get an estimate of the overall premium including the add-on. You can also talk to our team of experts to know about all our add-ons.

• It allows you to raise a two wheeler insurance claim without the registration certificate and/or driving licence
• You can also receive compensation for applying for duplicate copies of your RC and DL if they are lost or stolen
• It is available at a nominal premium with a comprehensive bike insurance policy

If you lose your driving licence and/or registration certificate of your bike, then follow these tips:

• Visit the police station in the area where you lose your document(s) and file a complaint
• Make sure that you have a copy of the First Information Report (FIR)
• Visit your local Regional Transport Office and apply for a duplicate (RC and/or DL as applicable). You will be required to submit certain documents and pay the fees needed for the same.
• Complete the process online/offline as per your preference and receive the duplicate copies of your documents

• Make sure that you file the claim within the specified timeframe
• Provide correct information
• Keep all the necessary documents ready before beginning the claim process
• Check if your insurance for two wheelers is active
• Make sure that you offer all the details required by the insurance company
• Go through the terms and conditions of the policy to understand the scope and extent of the coverage

You can not file a two wheeler insurance claim without the registration certificate of the bike and/or your bike driving licence. When you purchase comprehensive insurance for two wheeler, the insurer offers a range of add-on covers that you can choose to customise the policy as per your needs. The Loss of driving licence and/or registration certificate add-on cover can help you file a two wheeler insurance claim even if you lose either or both your bike licence and registration.

Q1. Is it possible to purchase the Loss of driving licence/RC add-on cover with a third-party two wheeler insurance policy?

No. Insurance companies offer add-on covers with Comprehensive or Standalone Own Damage Two Wheeler Insurance policies only.

Q2. If my driving licence or RC gets damaged or torn, then does the Loss of Licence/RC add-on cover offer reimbursement of the costs?

The Loss of Licence/RC offers coverage for the loss or theft of the driving licence and/or registration certificate only. It does not cover the replacement costs if the documents are damaged.

Q3. Are temporary bike registration certificates covered under the add-on?

Yes, insurers offer coverage for the loss or theft of temporary bike registration certificates too. However, make sure to go through the terms and conditions of the two wheeler insurance policy and add-on covers.

Q4. Do I have to submit any additional documents while raising a claim without my driving licence and/or bike registration certificate after buying the add-on cover?

Most insurance companies will ask you to submit a copy of the First Information Report or FIR filed with the police while raising a claim without the RC/DL after buying the add-on cover. You can also talk to the insurer to understand any other requirements before purchasing the add-on.

Q5. Do I need a Loss of Licence/RC add-on cover?

The Loss of Licence/RC add-on cover offers protection from the loss or theft of two of the most important documents of your bike – your driving licence and the bike’s registration certificate. If you ever need to file a claim, it would not be possible without these documents unless you have the Loss of Licence/RC add-on cover.