Can I Make a Claim for Car Insurance if I Lose My Rc?
Posted on March 08,2023
If you haven't yet received your car's registration certificate (RC) from the Regional Transport Office (RTO), but your newly bought car is already damaged, you might think that it’s hard to make a car insurance claim. But don't worry, you can still make the claim without RC.
With the assistance of a loss of RC add-on coverage, people who do not have their vehicle's RC can still make a car insurance claim.
What Is Loss of RC Add-On?
The Loss of Registration Certificate (RC) cover is an additional option available to car owners that allows them to submit an insurance claim without a valid RC.
This coverage makes it possible to take advantage of their four-wheeler insurance policy even if the RC is not present. This could be beneficial if the RC has been misplaced or otherwise lost.
If an individual has either a temporary or a permanent registration certificate (RC) for their car, they can make a claim under the cover for the loss of the RC. However, in order to obtain the additional coverage for the loss of the RC, they must have comprehensive insurance, not just a third-party insurance policy.
This is because third-party insurance only pays for legal liabilities of the insured towards a third-party, not for any damages to the insured's own property. Additionally, add-on covers are not available with third-party car insurance.
Things to Consider When Buying Loss of RC Cover
When purchasing a Loss of RC cover, it is important to remember that it is not available for third-party car insurance and can only be added to a comprehensive insurance policy.
In order to purchase the loss of RC add-on cover, you will need to pay an extra fee on top of your car insurance premium. When you buy this extra coverage, you must provide your car's engine and chassis number to your motor insurance company.
Submitting an official Police FIR is required in order to file a claim. Without providing a copy of the Police FIR to your insurance company, this extra coverage cannot be applied.
RC Cover Benefits
You can gain many advantages by purchasing the loss of RC cover (Registration Certificate) in your car insurance.
Possibility to make a claim without RC
In order to file an insurance claim for a car, the owner of the vehicle must provide their car insurance provider with a few supporting documents. This includes a claim form, car's registration certificate (RC), driver's license and repair bill.
If all of the documents are not submitted, the insurance company may refuse the claim, which would result in the out-of-pocket expenses. However, if they have a loss of RC cover, they can still receive compensation for the damages even without the RC.
If your car's registration certificate (RC) is missing, you will need to get a duplicate copy from the Regional Transport Office (RTO). This process could involve some costs, which you may have to pay to the relevant officials.
However, if you have taken out a 'loss of RC' insurance policy, you will be reimbursed for the expenses of getting a new RC.
Fixing car damage can be very costly. By filing a motor insurance claim, you can protect yourself from having to pay for the expensive repairs, as your insurer will cover it.
However, if an individual does not have essential documents like their registration certificate, an insurer may reject the claim. This is where the loss of registration certificate cover comes in.
This cover enables you to file a car insurance claim even without having your car's registration on hand, for a relatively low cost. Therefore, it is more cost-effective because you pay a small amount to purchase this cover and it prevents you from facing a major financial loss later.
Facilitates the Total Claim Settlement Process
When making certain car insurance claims, you must submit a copy of a Police First Information Report (FIR) to your insurer. This is necessary for cases of third-party liabilities, road accidents or car theft.
The RC cover addition guarantees that you will not forget to file the mandatory FIR, making the whole claim settlement process easier.
Steps to follow to retrieve your lost RC
If you have lost your car's RC, the following steps will help to get a replacement copy:
- File a Police FIR at the closest police station as soon as possible
- Visit your RTO or download the application form from the 'Parivahan Seva' website
- If your car is under a loan, get a NOC from the bank
- Create an affidavit that includes the details of your car and the reason for applying for a duplicate RC
- Submit the completed form, FIR and other crucial documents to the RTO
- Pay the fee and collect the acknowledgement slip; you will receive the duplicate RC.
To maximise your chances of getting a successful claim, you need to file with your car insurance provider in a timely manner and provide all the necessary paperwork. To make sure you don't miss out on the opportunity to raise a car insurance claim, it is wise to purchase the loss of RC add-on cover. It is advisable to purchase Shriram Comprehensive Car Insurance with add-ons for a hassle-free claim process.
Can I claim my insurance without RC?
If a car owner does not have a vehicle's Registration Certificate (RC), they can still make a motor insurance claim by purchasing the loss of RC add-on.
What documents are required for a car insurance claim?
- Car insurance policy
- Driving licence copy
- Signed copy of your claim form
- Repair bill (Original)
- Copy of RC
- FIR (Theft case, third-party injury or accidents)
- Evidence of release and cash receipt
Is theft of a car covered by insurance?
Car insurance companies provide coverage for third-party damages up to a certain limit and comprehensive policies include protection against car theft and personal accident damages. Additional features such as depreciation cover and No Claim Bonus (NCB) protection may also be available.
- When purchasing a Loss of RC cover, it is important to remember that it is not available for third-party car insurance and can only be added to a comprehensive insurance policy.
- If an individual has either a temporary or a permanent registration certificate (RC) for their car, they can make a claim under the cover for the loss of the RC.
- When making certain car insurance claims, you must submit a copy of a Police First Information Report (FIR) to your insurer. This is necessary for cases of third-party liabilities, road accidents or car theft.
If you have taken out a 'loss of RC' insurance policy, you will be reimbursed for the expenses of getting a new RC.
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