How to Get Your Duplicate Car Insurance Policy?

A duplicate car insurance policy is a copy of the original documents. This copy is issued to policyholders in the event that the original copy is lost, stolen or damaged. The duplicate copy is identical to the original and contains all the information about the car insurance policy.

With a duplicate car insurance copy, vehicle owners will have access to their insurance documents at all times. Policyholders can easily obtain a duplicate copy if they have registered mobile number, vehicle number and other details.

Having a car insurance policy with you at all times is crucial when you are behind the wheel. It saves you from hefty penalties and other financial consequences. Here are some of the benefits of obtaining a car insurance duplicate copy.

Compliance with Law

One of the benefits of having a duplicate car insurance policy is compliance with the law. Vehicle owners need to have car insurance while on the road, as it is mandatory by law. If you are found driving a car without insurance coverage, you will be fined, and in exceptional cases, you may face 3 months' imprisonment.

Ease in Claim Processing

Acquiring a duplicate car insurance policy also assists vehicle owners during the claim process. When filing a car insurance claim, policyholders need their policy to confirm coverage. If the original copy is missing, a duplicate copy ensures you can share the required information without any delay.

Quick Access to Vehicle Information

The car insurance document contains important details, including your policy number, vehicle registration information, coverage type, and add-on benefits. A duplicate copy gives you quick access to all of this, especially when you need it urgently during an emergency or a routine check.

Backup to Physical Record

Sometimes physical documents get misplaced, damaged or forgotten at home. A duplicate copy acts as a reliable backup. You can keep one version digitally and another in your vehicle so you’re never stuck without proof of insurance.

Ease in Renewal Process

A car insurance renewal becomes easy when you have a duplicate car insurance handy, especially when you have misplaced the original one. It ensures all the car information is available and accurate, making the process quick and stress-free.

Also Read: Benefits of Car Insurance

Anyone can have access to a duplicate car insurance policy, but it is especially helpful for below mentioned individuals:

• Anyone who has lost their original car insurance policy.
• People whose policy documents are damaged, torn, or unreadable.
• Vehicle owners who accidentally deleted their digital policy file.
• Buyers of a used car who didn’t receive the insurance papers from the previous owner.
• Anyone who wants an extra backup copy for emergencies or routine checks.
• Drivers who prefer keeping both digital and physical versions for convenience.

Let us understand how duplicate copies of car insurance assist policyholders. Rohan has purchased a comprehensive car insurance plan from TATA AIG. While moving to a new apartment, Rohan misplaced his original car insurance policy.

A few weeks later, his car was hit in a parking lot, and he needed to file a claim. When the representative asked for his policy number and coverage details, he could not find the original document.

Luckily, he had already requested a duplicate copy from TATA AIG. He shared the duplicate policy right away, and the claim process started without any delay.

Without that duplicate copy, he would have had to spend extra time searching for the document or requesting it at the last minute, which could have slowed down the entire claim.

Also Read: Find the Best Car Insurance Suiting Your Needs

When seeking a duplicate car insurance policy, vehicle owners have several options. Some of the popular ways to get a duplicate copy of car insurance are listed below:

Download Duplicate Car Insurance Policy from Parivahan

• Step 1: Go to the official Parivahan Sewa website and click on the “Online Services” option.
• Step 2: Choose the “Vehicle Related Services” option and select the state from the dropdown where the vehicle is registered.
• Step 3: Enter the vehicle registration, chassis number and registered mobile number.
• Step 4: The portal will send the OTP to the registered number to verify the mobile number.
• Step 5: Once validated, go to the “View Document” option. Here you will get the car insurance policy document.
• Step 6: Download the car insurance policy as a PDF using the policy number.

Download Duplicate Car Insurance Using the mParivahan App

• Step 1: Download the mParivahan app from the Google Play Store for Android users or App Store for Apple users.
• Step 2: Next, log in to your account using your credentials, or sign up for one.
• Step 3: Next, enter your vehicle registration number in the vehicle details section.
• Step 4: Scroll to the “Insurance Details” section on the application.
• Step 5: Click on the “Download” option to get the digital copy of your car insurance.

Get Duplicate Car Insurance From IIB Portal

• Step 1: Go to the official Insurance Information Bureau (IIB) website.
• Step 2: Scroll down to the "V-Seva” option on the homepage.
• Step 3: Enter the vehicle registration number in the fields asked.
• Step 4: Click on the “Download” section to download a copy of the car insurance policy.

Policyholders who have lost or damaged their car insurance policy can easily acquire the digital copy from the TATA AIG website. Here are the steps you need to follow to acquire a digital copy of car insurance.

Step 1: Visit the Official Website

To download the digital copy of the car insurance policy, you need to visit the TATA AIG official website. Scroll down to the “Self service” section at the bottom.

Step 2: Click on Download Policy Option

After opening the self-service portal, click on the “Download” policy option. Besides downloading the policy, you can also edit the policy, initiate or track claims, and more.

Step 3: Enter the Details

You will be asked to provide information such as your registered mobile number, policy number, or vehicle registration number. These details help the system fetch your car insurance policy so you can download it easily.

Step 4: Download Policy

Once the system verifies your details, your policy will appear on the screen. You can download it in a PDF format and save it on your phone or laptop. It’s a good idea to keep both a digital and printed copy for quick access whenever needed.

If you want a physical copy of your car insurance policy, follow the steps below.

Step 1: Inform the TATA AIG Representative

The very thing the policyholder needs to do is inform the TATA AIG representative about the car insurance policy loss.

This can be done via calling the helpline number (022 6489 8282) or emailing customersupport@tataaig.com. This is a crucial step to get a duplicate car insurance copy.

Step 2: File a Police FIR

If your car insurance policy is stolen, you need to file a first information report at your nearest police station.

A police FIR copy is a crucial document you need to submit to TATA AIG to obtain a duplicate copy. It serves as proof that car insurance documents could not be found.

Step 3: Publish Newspaper Advertisement

Another crucial document policyholders need to submit to the insurance provider is a newspaper advertisement. The advertisement should be in the paper where you lost your car insurance policy documents.

Step 4: Submit an Application

Policyholders need to apply to TATA AIG to request a duplicate car insurance copy. The application should include your name, address, and how you lost all your original documents. Submit the hard copy of the application along with supporting documents to TATA AIG.

Step 5: Obtain Indemnity Bond

Lastly, you need to arrange an indemnity bond and submit it to TATA AIG. This is an important requirement for getting your duplicate policy papers.

The bond should include the names and signatures of two witnesses. You will also need to buy stamp paper and have the bond notarised before submitting it.

There are generally no fees if you want to obtain a duplicate car insurance policy. A car insurance policy can be obtained free of cost from the TATA AIG website or government portals such as IIB and Parivahan Sewa.

However, if you want a physical copy of the car insurance, then you might need to pay additional costs, such as advertising fees to the paper.

Here is the list of documents you need to download the duplicate car insurance policy.

• Policy number or a copy of your vehicle’s RC book.
• Valid identity proof like Aadhaar, PAN card, or Driving Licence (especially for offline/email requests).
• FIR copy (only required if the original policy was lost or stolen).
• Written application or request letter (generally needed for offline or email-based requests).
• Passport-sized photograph (may be required for some offline applications).
• Self-attested copies of all submitted documents (for verification purposes).
• Signature proof (if specifically requested by the insurer).

Also Read: Documents Required to file a Car Insurance Claims

Obtaining a duplicate car insurance policy is important to avoid setbacks on the road. While obtaining a duplicate car insurance policy, vehicle owners need to keep some important things in mind, such as:

Driving without A Policy

One of the first things to keep in mind is that if your original copy is lost, stolen, or damaged, never drive a car without a policy.

Driving without insurance coverage is a serious offence which can lead to a fine ranging between ₹2000 and ₹4000. In some cases, it may also result in a sentence of up to 3 months' imprisonment.

Assuming a Photocopy is Sufficient

Another mistake most policyholders make is assuming that a photocopy is enough. A photocopy of the original car insurance policy is not valid during the car insurance inspection. However, if you have a digital copy of insurance, then it might be considered by the authority.

Falling for Fraudulent Agents

Some people end up sharing their policy details with unverified agents who promise quick help. This can lead to data misuse or delays. Always request your duplicate policy directly from the insurer through their official website, branch office or customer support.

Delaying the Process

Many policyholders wait too long to request a duplicate copy after losing the original documents. This becomes a problem when there’s an emergency, an inspection or a claim. Requesting the duplicate early saves time and keeps you prepared for any situation.

Failing to File a Police Report

Another thing to consider before acquiring a duplicate car insurance policy is filing a FIR if the document is lost or stolen. It is mandatory if you want to obtain a physical copy of the policy.

Providing Inaccurate Informatio

Policyholders also need to enter accurate information, such as vehicle number, name, etc, while acquiring a duplicate copy. Most online portals ask for these details to retrieve the car insurance policy. Providing the incorrect details will unnecessarily delay the whole process.

Avoiding Indemnity Bond

Some policyholders try to skip the indemnity bond step, assuming it is not important. In reality, many insurers require this bond to issue a duplicate copy, especially if the original document is lost.

Avoiding it will only delay your request. It is better to prepare the bond, get it notarised and submit it on time so
the insurer can process your application smoothly.

Also Read: Things to Consider Before Buying Insurance

A duplicate car insurance copy is an essential vehicle document that must be obtained if the car insurance policy is lost, damaged, or stolen. A digital copy allows vehicle owners to have access to car insurance at all times.

With a duplicate copy, vehicle owners will know about the policy details, expiry date, coverage and more. It also ensures that vehicle owners complete their car insurance renewal on time before the policy expires.

TATA AIG offers various car insurance plans that allow you to download a digital copy in just a couple of minutes.
Using our self-service portal, policyholders can download the four-wheeler insurance without any hassle. Our team of expert representatives assists policyholders seeking a physical copy of their insurance policy.

In addition, our comprehensive car insurance plan offers access to unique add-ons, including zero depreciation, consumables cover, and more.

Buy a car insurance plan with TATA AIG and enjoy easy access to a wide network of garages all across the country for cashless repair services. Explore our car insurance plans today!