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Steps To Follow In Case You Lose Your Car Insurance Papers

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Losing your car insurance papers can be very stressful. But you need not worry much as these can be easily replaced. Here are the steps you should take as soon as you find out that you have misplaced your insurance certificate.

  1. Inform your insurer

    You should inform your car insurance provider as soon as you find out that your insurance certificate is missing. This is important to avoid any frauds through the missing papers. It is also important as you must get a replacement as soon as possible as driving on Indian roads without proper insurance coverage is illegal.

  2. File a police complaint

    You should file a police complaint about the missing insurance paper. This is important as you need to prove to the insurer that you have taken steps to regain the lost document.

  3. Place an advertisement

    As per the current regulation, you have to place an advertisement in an English language newspaper and a vernacular newspaper which is circulated within the state you reside in asking for the finder to return the policy document. The cost of such an advertisement is to be borne by the insured.

  4. Apply for a duplicate

    Once the advertisement has been placed, you can submit the application for duplicate policy papers to your insurer. Provide the details of your policy and a copy of the advertisement published as mentioned above.

  5. Indemnity bond

    Some insurers ask for an indemnity bond stating that they will not be responsible for any fraudulent activities conducted using the original insurance papers. You also have to agree to retune the policy papers to the insurer, if found. The stamp duty on the indemnity bond is to be borne by the insured.

Once the above steps are completed, you will receive the duplicated papers within a couple of days. The term “duplicate” will be clearly written on these papers.

Points to remember

  1. Most insurers will charge a nominal fee to issue a duplicate policy document. You will have to pay the same at the time of submitting your application.
  2. If the insurance policy was jointly held, all the holders have to sign the application for duplicate papers.
  3. Some insurers may ask for a surety to be issued as well.

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