How to Download a Copy of Your Two Wheeler Insurance Online
If you own a two wheeler, you must have a valid insurance policy to drive it legally on the roads. A two wheeler insurance policy is a document that proves that you have paid the premium and are covered for any damages or liabilities that may arise due to an accident, theft, fire, natural calamity, or any other unforeseen event involving your bike. But what if you lose your policy document or need a copy of it for some reason? Don't worry, you can easily download a copy of your two wheeler insurance online or get a duplicate one offline. In this article, we will tell you how to do that and why it is important to have a copy of your bike insurance policy.
Introduction
What is two wheeler insurance and why do you need it?
Two wheeler insurance is a type of motor insurance that covers your bike against any financial losses or liabilities that may occur due to an accident, theft, fire, natural calamity, or any other unforeseen event involving your bike. There are two types of two wheeler insurance policies available in India:
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Third-party liability insurance: This is the minimum and mandatory cover that every bike owner must have as per the Motor Vehicles Act, 1988. It covers the damages or injuries caused by your bike to another person or property. However, it does not cover any damages or losses to your own bike.
Comprehensive insurance: This is an optional and recommended cover that provides both third-party liability and own-damage cover. It covers the damages or losses to your own bike as well as the damages or injuries caused by your bike to another person or property. It also covers your bike against theft, fire, natural calamity, vandalism, etc.
You need two wheeler insurance for the following reasons:
To comply with the law: Driving without a valid two wheeler insurance policy is illegal and can attract a fine of Rs. 2,000 and/or imprisonment of up to 3 months.
To protect yourself from financial losses: If you are involved in an accident or any other mishap involving your bike, you may have to pay for the repairs or replacement of your bike as well as the medical expenses or compensation for the third party. A two wheeler insurance policy can help you cover these costs and save you from financial stress.
To avail additional benefits: A two wheeler insurance policy can also offer you some additional benefits such as personal accident cover, no claim bonus, roadside assistance, zero depreciation cover, engine protection cover, etc. These benefits can enhance your coverage and provide you with more peace of mind.
What are the benefits of buying two wheeler insurance online?
Buying two wheeler insurance online has many advantages over buying it offline. Some of them are:
Convenience: You can buy two wheeler insurance online from anywhere and at any time. You don't have to visit any branch office or agent and fill up lengthy forms. You just need to visit your insurer's website or app and enter some basic details about your bike and yourself.
Cost -effectiveness: You can save money by buying two wheeler insurance online as you can compare different plans and features from various insurers and choose the one that suits your needs and budget. You can also avail discounts and offers that are available online. Moreover, you can save on the commission or fees that you would have to pay to an agent or broker.
Transparency: You can get all the information and details about your two wheeler insurance policy online. You can read the terms and conditions, exclusions, inclusions, claim process, etc. before buying the policy. You can also check the reviews and ratings of the insurer and the policy online.
Security: You can buy two wheeler insurance online securely as your personal and financial information is encrypted and protected by the insurer. You can also get a digital copy of your policy document instantly on your email or phone.
How to download a copy of your two wheeler insurance online?
If you have bought your two wheeler insurance online, you can easily download a copy of your policy document from your insurer's website or app. Here are the steps to follow:
Step 1: Visit your insurer's website or app
Go to your insurer's website or app and log in with your username and password. If you don't have an account, you can create one by registering with your email id or phone number.
Step 2: Enter your policy details or bike registration number
Once you are logged in, go to the section where you can view or manage your policies. Enter your policy number or bike registration number to find your policy. If you don't remember your policy number, you can use other details such as your name, date of birth, etc.
Step 3: Verify the information and download the policy copy
After you find your policy, verify the information such as your name, bike model, policy period, etc. If everything is correct, click on the option to download or print the policy copy. You can also save it on your phone or email it to yourself.
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Benefits of downloading two-wheeler insurance policy online
Documents required for downloading two-wheeler insurance policy online
Tips to keep your two-wheeler insurance policy safe and secure
Is it mandatory to carry a hard copy of the bike insurance policy?
What are the consequences of losing your two-wheeler insurance policy document?
How long does it take to get a duplicate bike insurance copy online?
What are the charges for getting a duplicate bike insurance copy offline?
How to verify the authenticity of the downloaded two-wheeler insurance policy?
What are the details mentioned in the two-wheeler insurance policy document?
How to update your personal details in the two-wheeler insurance policy document?
How to transfer your two-wheeler insurance policy to another person?
How to cancel your two-wheeler insurance policy online?
How to claim your two-wheeler insurance policy online?
How to renew your two-wheeler insurance policy online?
How to get a duplicate copy of your two wheeler insurance offline?
If you have bought your two wheeler insurance offline or have lost your online policy document, you can get a duplicate copy of your policy offline by following these steps:
Step 1: Inform your insurer about the loss of your policy document
The first thing you need to do is to inform your insurer about the loss of your original policy document. You can do this by calling their customer care number or visiting their branch office. You will have to provide some details such as your name, bike registration number, policy number, etc.
Step 2: File a First Information Report (FIR) with the police
The next thing you need to do is to file a First Information Report (FIR) with the nearest police station. This is to ensure that no one misuses your lost policy document. You will have to submit a copy of the FIR along with an application letter to your insurer.
Step 3: Place an advertisement in the newspaper (optional)
This step is optional but advisable. You can place an advertisement in a local newspaper stating that you have lost your original policy document and are applying for a duplicate one. This is to avoid any legal complications in case someone claims ownership of your lost policy document.
Step 4: Sign an indemnity bond on a non-judicial stamp paper
The final step is to sign an indemnity bond on a non-judicial stamp paper of a specified value. This is a legal document that states that you are the rightful owner of the policy and that you will indemnify the insurer in case of any loss or damage due to the issuance of the duplicate policy document. You will have to submit this bond along with a self-attested copy of your identity proof and address proof to your insurer.
Conclusion
Summary of the main points and tips to keep in mind
In this article, we have explained how to download a copy of your two wheeler insurance online or get a duplicate one offline. Here are some key points and tips to keep in mind:
A two wheeler insurance policy is a mandatory and essential document that proves that you have paid the premium and are covered for any damages or liabilities that may arise due to an accident, theft, fire, natural calamity, or any other unforeseen event involving your bike.
You can buy two wheeler insurance online from anywhere and at any time. You can compare different plans and features from various insurers and choose the one that suits your needs and budget. You can also avail discounts and offers that are available online. Moreover, you can save on the commission or fees that you would have to pay to an agent or broker.
You can download a copy of your two wheeler insurance online from your insurer's website or app by logging in with your username and password and entering your policy details or bike registration number. You can verify the information and download or print the policy copy.
You can get a duplicate copy of your two wheeler insurance offline by informing your insurer about the loss of your original policy document, filing a FIR with the police, placing an advertisement in the newspaper (optional), and signing an indemnity bond on a non-judicial stamp paper.
You should keep a copy of your two wheeler insurance policy handy and safe as you may need it for various purposes such as renewing your policy, claiming your insurance, transferring your ownership, etc.
FAQs
Here are some frequently asked questions about two wheeler insurance:
How can I renew my two wheeler insurance online?
You can renew your two wheeler insurance online by visiting your insurer's website or app and entering your policy details or bike registration number. You can check the renewal premium and pay it online using your debit card, credit card, net banking, UPI, etc. You will receive a confirmation message and a digital copy of your renewed policy document on your email or phone.
How can I claim my two wheeler insurance online?
You can claim your two wheeler insurance online by following these steps:
Inform your insurer about the incident as soon as possible by calling their toll-free number or visiting their website or app.
Register your claim by providing some details such as your name, policy number, bike registration number, date and time of the incident, location of the incident, nature and extent of the damage or injury, etc.
Submit the required documents such as a copy of your policy document, FIR (if applicable), driving license, RC book, etc.
Get your bike repaired at a network garage or a non-network garage as per your preference and policy terms.
Get the claim settlement amount transferred to your bank account after the verification and approval of your claim by the insurer.
What are the factors that affect the premium of two wheeler insurance?
The premium of two wheeler insurance depends on various factors such as:
The type of policy you choose (third-party liability or comprehensive)
The make, model, and age of your bike
The cubic capacity (cc) of your bike's engine
The city where you register your bike
The no claim bonus (NCB) that you have accumulated
The add-on covers that you opt for
What are the exclusions of two wheeler insurance?
Some of the common exclusions of two wheeler insurance are:
Damages or losses caused by normal wear and tear, depreciation, mechanical or electrical breakdowns, etc.
Damages or losses caused by driving under the influence of alcohol or drugs, driving without a valid license, driving against the law, etc.
Damages or losses caused by war, terrorism, nuclear risks, etc.
Damages or losses caused by intentional acts, frauds, etc.
What is zero depreciation cover in two wheeler insurance?
Zero depreciation cover is an add-on cover that you can opt for with your comprehensive two wheeler insurance policy. It ensures that you get the full value of your bike without any deduction for depreciation in case of a claim. It also covers the cost of replacing or repairing the parts such as tyres, tubes, batteries, plastic parts, etc. that are otherwise not covered under the standard policy. 44f88ac181
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