What to Do When You Lose Your Two-wheeler Policy Document

A third-party bike insurance plan is mandatory for bike owners under the Motor Vehicles Act. Your insurance paper of bike serves as proof of valid coverage and is required in multiple situations:

• Traffic checks: In case of lack of proof of insurance, a fine of ₹2000 for a one-time offence and ₹4000 for repeated offences can be levied.

• Filing a bike accident claim: If your bike meets with an accident and causes damage to itself and injury or damage to others, you will have to pay for the damages to your bike as well as to a third party in the absence of insurance proof.

• Renewing bike insurance policy: You will need your existing policy’s details to renew your coverage.

• Transferring ownership of the bike: If you plan to sell your bike, you will have to show proof of insurance. You will also need to claim any accumulated No Claim Bonus (NCB) when buying insurance for your new vehicle.

If you are thinking, “I lost my bike insurance papers. What should I do?”, here are the immediate steps to take:

Check Your Email or Texts

Most insurance companies share a soft copy of the policy documents via email/WhatsApp when you buy or complete a bike insurance renewal.

Log in to Your Insurer’s Website or App

If you purchased bike insurance online, you can download your policy on the insurer’s website or app using your registered details.

Contact Customer Support

Reach out to your insurer’s customer support helpline (number/email) for assistance in retrieving your lost insurance copy of the bike.

Check DigiLocker or mParivahan

These authorised government apps store and automatically fetch your insurance records when you register with them using your Driving Licence and Registration Certificate.

Stop Using the Vehicle

It is mandatory to have either a physical or digital copy of your bike insurance policy for driving in India. Failure to show your insurance papers can lead to heavy fines. Therefore, avoid using your bike till you get a copy of your insurance documents.

If your bike insurance paper is lost, the easiest way to retrieve it is online. TATA AIG offers a seamless and quick bike insurance download process for policyholders.

• Go to the TATA AIG website.

• Click on My Policy in the top-right corner.

• Click ‘Download Policy’. Provide your registered mobile number. Click ‘Confirm’.

• You will receive an OTP on the provided mobile number. Input it.

• The next screen will list all TATA AIG insurance policies you hold. Find the bike insurance policy.

• You can download your bike insurance copy as a PDF, just view it or print a copy. You can even get a copy of the bike insurance sent to your registered email ID for future reference.

• You can also use the TATA AIG mobile app (available for Apple and Android) to download your bike insurance policy online.

Also Read: How to Get the Details of Bike Insurance by Registration Number?

• You can write to us at customersupport@tataaig.com or visit any of your nearest TATA AIG branches.

• In your written request, add your name, bike insurance policy number (if available), your bike’s registration number and your registered mobile number.

• Provide the necessary documents, such as identity proof, address proof, bike’s documents, etc.

• Pay any applicable charges.

This option is helpful if your bike insurance is missing and you do not have access to digital records/processes.

To retrieve your lost bike insurance copy, you may need:

• Vehicle registration number (RC)

• Policy number (if available)

• Registered mobile number/email ID

• Government-issued ID proof

• Government-issued address proof

Having these details handy ensures faster processing.

To prevent issues related to bike insurance missing documents, consider:

• Saving a digital copy (PDF/Image) on your phone

• Using Government apps like DigiLocker and mParivahan for secure access

• Opting for bike insurance online purchases for easy access to the digital download process

• Keeping your insurance company's login details handy

Yes, you should always have either a hard copy or a digital copy of your bike insurance handy.

Carrying a physical copy of your bike insurance policy is no longer mandatory in India. As per the Information Technology Act, 2000, and guidelines issued by the Ministry of Road Transport and Highways, digital documents hold the same legal validity as physical ones.

You can present your bike insurance online document stored on platforms like DigiLocker or mParivahan, or simply your phone storage during traffic checks. These digital records are widely accepted by traffic police, RTOs and courts across the country.

So, even if your bike insurance papers are lost or not available in hard copy, having a digital version on your phone is sufficient for compliance and verification

Losing your bike insurance papers does not have to disrupt your plans. With digital access and streamlined processes, you can quickly retrieve your insurance paper of bike or download a duplicate copy online using your policy or vehicle details.

Whether you are dealing with a lost bike insurance copy or simply want easier access going forward, opting for bike insurance online ensures your documents are always within reach. It also makes bike insurance renewal faster and more convenient.

With TATA AIG, you can buy, renew and manage your bike insurance policy digitally and download your documents anytime, saving you the stress of running around for a duplicate copy.

Additionally, you can customise your bike insurance plan with our range of 12+ add-ons. We offer additional coverage through riders such as zero depreciation bike insurance, which eliminates the effect of depreciation on your bike’s parts, ensuring a better compensation amount at the time of claim settlement.

If you are looking for a smarter, more accessible way to stay insured, explore TATA AIG’s bike insurance solutions online today.