header Two Wheeler Insurance

How to Get a Duplicate Two Wheeler Insurance?

By Vikas Chandra Das
21 July 2022, 11:46 AM

The importance of a two-wheeler insurance copy is immense and failing to have one could land you in serious troubles. As a result, keeping a soft copy of the two-wheeler insurance policy contract is one of the best preventive steps to take. Physical copies may be destroyed by water, wind, fire, or other natural disasters, or they may be misplaced or lost. As a result, many insurance firms now have soft copies of two-wheeler policy documents that bike owners can take with them everywhere they go. It also helps you to download and obtain your records at any time from the insurer's website, making it safe and secure.

What is a Two Wheeler Insurance Document?

A two-wheeler insurance policy is basically a contract between an insurance provider and a person in which the insurer covers any damages to the two-wheeler in the event of an accident, natural disaster, or theft. Depending on the type of policy you buy, a bike insurance policy protects you from liabilities arising from injuries to the rider and pillion as well as third parties. It is important to compare policies from different insurers in order to find the best two-wheeler insurance scheme with sufficient coverage.

How to Get a Duplicate Two Wheeler Insurance? 

Using a soft copy of the insurance contract is one of the protective steps that people are employing these days. Physical copies of insurance are vulnerable to fire, water, wind, and even earthquakes, and are prone to being misplaced or lost. As a result, many insurance companies now provide soft copies of two-wheeler insurance as well as two-wheeler insurance renewals online, which can be done almost instantly. To get a copy of your insurance policy records as soon as possible, follow these steps:

  • Step 1: You must report the loss of your two-wheeler insurance paper to the nearest police station by filing a First Information Report (FIR). Mention your two-wheeler insurance policy number, the form of insurance, and any add-ons that apply to the policy.
  • Step 2: Attach the FIR copy of the FIR application and write a letter to the insurer requesting that the insurance papers be reissued.
  • Step 3: Place an ad in the local newspaper claiming that you have misplaced your documents, along with your name, insurance policy number, insurance company name, and two-wheeler insurance company registration number.
  • Step 4: You must also sign an indemnity bond, which must include your full name and other policyholder details. Sign this bond in the presence of two witnesses and have a notary reaffirm it.

For immediate help, call your insurer and request that a copy of your records be sent to you, or contact customer service to explain your situation. Be sure to include your registered phone number and email address. If the insurer provides online renewal or download services, you can get a copy of the insurance policy.

Let’s understand this in detail with the help of an example. Mr. Gupta recently moved to a new apartment. Unfortunately, during the move, he misplaced his two wheeler insurance policy document. As soon as he realised this, he immediately filed an FIR with the local police station. Once the FIR was placed with the relevant information, he sent a copy of it to his insurance company and requested for a duplicate policy document. He called the Customer Support team of his insurance provider and explained the situation. Once they received the FIR and verified it, they sent a duplicate copy of the insurance document to Mr. Gupta at his registered email ID. Furthermore, he also placed an ad in the newspaper as instructed above in hopes of finding his lost policy document.

Tips to Follow If Your Two-wheeler Insurance Document Gets Lost

Any two-wheeler operating on Indian roads must have a valid two-wheeler insurance policy, according to the Motor Vehicles Act of 1988. Under the current Motor Vehicles (Amendment) Bill 2019, if traffic cops or motor department officials catch you driving without insurance, you will be fined INR 2,000. Therefore, if you can't find the policy papers, apply for a duplicate insurance policy.

  • The first step is to check your home and workplace for your two-wheeler insurance papers. There's a good chance it's a false alarm that's gotten lost or misplaced.
  • If you can't find your two-wheeler insurance forms, don't ride your two-wheeler until you've exchanged or found them.
  • Before you can ride your bike or scooter, you must first apply for a duplicate copy of your two-wheeler insurance and wait for the documentation to arrive.

You will get a soft copy of the document from the insurance company. You can print the document as many times as you want using the same copy. The online presences would also ensure that claiming two wheeler insurance will never be an issue. ​


Have your insurance policy with you at all times; it's not only a legal requirement on the road, but it's also a crucial document to have when filing a claim. Finally, two-wheeler insurance not only covers the loss, or at least a portion of it, but it also covers legal issues. As a result, it's best not to risk it in the first place.

Two wheeler Insurance banner
Two wheeler Insurance

Starting at only ₹1.5 per Day*

Enter your details to buy Bike Insurance
By proceeding you agree to Terms & Conditions
Proceed without two wheeler number