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Steps to Get a Duplicate Bike Insurance Policy

By Vikas Chandra Das
08 September 2022, 4:43 PM

Insuring your two-wheeler begins with choosing the right bike insurance policy. Once you secure a two-wheeler policy that meets your needs, you take adequate measures to safeguard it. 

However, a situation may arise where your insurance policy is misplaced, damaged or lost. Not having policy papers means you cannot opt for claim settlement with your insurance provider, and you need to apply for a duplicate copy of the same. Understandably, getting a duplicate copy of your bike insurance policy seems like an uphill task.

If you find yourself in that situation right now, worry not. All you have to do is first decide whether you want to apply for the duplicate document online or offline since both alternatives are available, and take the requisite steps accordingly. 

Read on and follow the steps below to obtain a duplicate bike insurance policy without hassles. 

1. Inform Your Insurance Company Right Away

  1. Contact your insurer to inform them about the loss of your original document without delay. You can place a phone call or even send an email to notify the bike insurance company about the loss of your policy copy. It will serve as proof that you have informed the company promptly and get it to accelerate the process of issuing the duplicate copy.

2. File an FIR

Lodge a First Information Report (FIR) about the loss of your two-wheeler policy at the nearest police station. Provide all the details the authorities seek, which include: 

  • Name of the policyholder
  • Policy number
  • Type of policy
  • Date of issuance
  • Details about the loss of the document and any other information they may seek

3: Submit an Application for the Duplicate Copy 

Write an application to your bike insurance company informing them about the loss. The application should also contain your formal declaration about your intention to acquire the duplicate policy. Make sure you submit the FIR copy also along with the application.

4: Get an Advertisement Published

When you lose a critical document like an insurance policy, you must have it published in local newspapers. It is obligatory as per the law to publish an advertisement about the loss of your document. You must provide all the necessary details in the ad, and once it is published, send a copy to your insurance provider.

5: Sign an Indemnity Bond

This step entails signing an indemnity bond on a non-judicial stamp paper submitted to your insurance provider. The indemnity bond comprises a legal appeal to obtain a copy of your insurance documents and states that you will indemnify the company if an external party raises a claim. 

You need to notarise the indemnity bond before two witnesses unrelated to you. After this, you need to submit the bond to your insurance company so that the officials can examine the matter and authenticate your indemnity bond. Once done, your insurance provider can issue a duplicate copy of your bike insurance policy.

Applying for Duplicate Bike Insurance Copy Online

In today’s digital era, since virtually everything is online, insurance companies are also moving with time and upgrading themselves. They also offer services and solutions online, including applying for a duplicate two-wheeler insurance policy

You can apply for a duplicate copy of your bike insurance policy online by following the steps provided below:

  1. Go to the website of your insurance company.
  2. Select the type of policy you have.
  3. Type your policy number, full name or any other information you need (you may be asked to verify your profile).
  4. Your duplicate insurance policy document will appear, which you can download.
  5. You can take a printout of the same and use it as a hard copy.

This procedure for getting your duplicate policy copy online is extremely convenient and time-saving. 

You don’t have to hit the panic button and worry if you have lost your duplicate policy. It will be made available in an instant by your insurance provider.


Losing a bike insurance policy copy shouldn’t happen, but if it does occur, don’t lose heart. Your insurance provider is equipped to provide the right online and offline solutions. You can quickly initiate the process of obtaining your duplicate policy copy without spending much of your time. 

You need to be familiar with the procedure of applying for the duplicate copy, keep the necessary documents (including police FIR) ready and submit them to the concerned officials as needed.

Further, you can apply for your duplicate copy online if that’s more convenient. Your insurance provider will extend every possible help.



1. How can I get a duplicate copy of my original bike insurance online?

Go to your service provider’s website, enter all the details in the concerned places and download the policy document. Take a printout of the copy, which is your bike insurance copy.

2. Can I get changes made to my bike insurance policy?

While it is preferable to avoid mistakes in the bike insurance policy, if it does happen, you can get it rectified. Contact your insurance provider through phone or email, provide the necessary information, and check it in the revised bike insurance policy copy after some time. If your insurance company has a mobile application, you have the option to download it to make modifications to your document.

3. If I have lost the physical bike insurance copy, will a soft copy of the same be accepted by the insurance company?

Yes. Your insurance company will also accept the soft copy of your policy in case you have misplaced the original one. The Ministry of Road Transport and Highways (MoRTH) mandates that in place of hard copies, the digital copy of your documents saved in Digilocker or the mParivahan mobile app will also be valid. This applies to your driver’s licence (DL), vehicle registration, insurance policy document, etc. 

4. Is it mandatory to carry a hard copy of the bike insurance policy every time I use my bike? I misplaced my original policy recently and have not yet applied for a duplicate copy.

No, as per the law, it is not mandatory to carry a hard copy of your policy every time. You can even carry a soft copy of your policy. For that, you can use the government-provided e-Vahan Bima app as an alternative. The application allows you to have a soft copy of your insurance which is as good as a hard copy. The e-Vahan Bima has a QR code which can show all the details of your two-wheeler insurance policy. The authorities just need to scan the code to check your insurance policy.

5. Is the process of obtaining a duplicate two-wheeler insurance policy complicated and time-consuming?

The procedure for getting a duplicate copy of your two-wheeler insurance is quite simple and quick. You need to feed the necessary information on the website of your policy provider, follow the required steps and get your duplicate copy within minutes.

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