How Can I Insure My Car Without Having an Old Insurance Copy?

Posted on January 05,2023


A policy holder can request a copy from the insurance provider if it is lost or destroyed. You can apply for duplicate car insurance online from the comfort of your home. The procedure for obtaining duplicate insurance is quick since it does not require much information from the policy holder. More outstanding features and better offers can always be obtained by purchasing a new policy.

A car insurance policy is one of the most important documents which a policy holder cannot afford to lose. By Indian Motor Vehicles Act, 1988, it is mandatory to have Third-Party (TP) Car Insurance and it is also required for the protection of the vehicle/owner. Driving without valid car insurance is an offence and will incur a hefty penalty.

Shriram Car Insurance offers all-round vehicle protection and comprehensive coverage. The policy can cover the cost of insured damages or losses caused by various incidents. Additional covers can also be added to the insurance to provide better protection for the car.

How to get Duplicate Car Insurance?

If a car insurance policy document is missing, an individual must take immediate action to get duplicate copies of the policy. The following are steps to get a duplicate car insurance policy copy.

  • Submit an application

A beneficiary must apply for duplicate policy issuance to get a copy of the car’s insurance. While applying, ensure to enter all the information correctly. The policy holder will be asked for details like name, policy number, date of policy issuance and the type of policy cover. In the application, the policy holder must also mention how and under what circumstances the document got lost.

  • Contact the insurance agent

If you have purchased car insurance through an agent and not through an insurance company, in this case you must contact the person as soon as possible. Most agents will have a copy of the insurance policy and can send you a copy upon request. The policy holder can inform them that the insurance document is lost and they require the PDF version of the document.

  • Write to the insurance agency

Insurance companies usually have email support for their customers regarding various issues related to queries or problems with insurance. If you have lost or forgotten the car insurance number and do not have any record of the same, the best way to get this information is to write to the insurance company. Ensure the email ID used is the same one that was registered with the insurance company at the time of starting the policy.

  • File a police complaint

Many insurance companies will not issue a duplicate policy without an official FIR (First Information Report) copy from the police. In this case, a policy holder must visit the nearest police station to file an FIR for the missing insurance document. Once the FIR process is complete, the person can submit it to the insurance company to get a copy of their insurance policy.

After completing the pre-application process, here are the steps to get a copy of the car insurance.

Process to get a duplicate car insurance offline

Step 1: Inform the insurance company about the loss of insurance papers. This can be done via email or call.

Step 2: File an FIR at the nearest police station stating that the insurance has been lost and a copy is required.

Step 3: Submit an application along with the FIR to the insurance company, asking them to issue a copy of the policy.

Process to get duplicate car insurance online

Step 1: Visit the main website of the insurance company.

Step 2: Find and select the option to download an e-copy of the car insurance policy.

Step 3: Fill in the information, like your policy number and registered mobile number.

Step 4: An OTP will be sent to the registered mobile number. Enter the OTP for verification.

Step 5: Submit your registered email ID.

Step 6: A copy of the car insurance will be sent to the policy holder in PDF format.

Once you get a copy of the policy, ensure it is kept safe and will not get lost again. If the policy nears its expiry date, an individual can always renew the insurance policy.

How to Apply for a New Car Insurance?

If you have a car and haven’t bought insurance yet, now is a great time to do so. A person can get new car insurance either on their own or with the help of other websites. The online application process is easy, hassle-free and can be done from the comfort of your home.

Visit the Shriram General Insurance website to get new car insurance in no time. Our representative will help calculate the premium that needs to be paid and will assist with any queries related to the details of the car insurance.

Why Do You Need Car Insurance?

In India, everyone must have third-party car insurance. This means that if an individual is driving without a car insurance, it is considered to be illegal. To keep the documents safe, a policy holder can keep copies of the documents, which will come in handy if the originals are destroyed or damaged in an accident. Documents can also be preserved by keeping an online version in a secure folder.

You can also get add-ons to enhance the policy and cover risks not included in the primary insurance. The online process to apply for car insurance is easy and can be done quickly if you have all the required information prepared. Invest in Shriram Car Insurance now to get good protection for your vehicle.


1. Is a hard copy of car insurance necessary?

It is not compulsory to have a physical copy of the car insurance. However, many prefer having a physical copy in their car for easy access when the police ask for it.

2. How do I get an old insurance copy of my car?

A policy holder can contact their insurance company if they need a copy of the car insurance. It should be available in the insurance company’s records if they have renewed the policy with the same company.

3. What do I do if I lose my car insurance papers?

Applying for a copy of the car insurance is what a person must do if they lose the insurance papers. They will also be required to file an FIR reporting the loss of this document.

Key Highlights:

  • If it is lost or damaged, a policy holder can apply to receive a copy from the insurance company.
  • The application for duplicate car insurance can be made online from the comfort of your home.
  • The process to get duplicate insurance is quick as it does not require much information from the policy holder.
  • A new policy can always be purchased to get better features and deals through insurance.


Make your ride reliable, Insure it now! with Shriram General Insurance

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