How to Download Car Insurance Policy Copy Online?

Ever found yourself digging a drawer full of paper or searching in the pile of documents for getting your car insurance copy? In this digital age, keeping the insurance hard copy documents becomes very hectic and obsolete. The whole process of applying, downloading, and keeping a valid copy shifts to online. If you are a car owner and still use these old offline formats, then it’s the right time to shift the online process.

Downloading car insurance and keeping the soft copy is essential not only for adhering to the Motor Vehicle Act but also for getting insurance coverage for any accident. Whether you have comprehensive car insurance or third-party car insurance coverage, checking the coverage details is necessary. This process ensures you do not lose the car insurance copy because handling the soft copy is hassle-free and convenient.

By downloading the policy copy of the car, you will produce it at the time of checking and also streamline the claim process. That is why you should be inclined towards downloading a soft copy. This article will give you a comprehensive guide related to the car insurance policy download procedure.

The policy document is a legally binding agreement between a policyholder and their insurer (insurance company). This document contains all the details like inclusions and exclusions under your policy, tenure of the policy and its expiry date, add ons if any, price of your car insurance premium and details of your car like make, model and variant, engine and chassis number.

Car Insurance Policy Document: What It Includes?

The policy paperwork is set up to give you concise details on every facet of your insurance coverage.

The main elements of your auto insurance coverage are as follows:

1. Plan Type: This describes the type of insurance plan you have chosen, which may include Comprehensive Coverage or Third-Party Liability Coverage. Whereas comprehensive coverage provides broader protection against theft, accidents, natural and man-made disasters, and third-party liability, third-party coverage shields you against legal liabilities resulting from harm to a third party.
2. Insured Declared Value (IDV): IDV is the highest sum that is permissible for claims under your policy. It is your car's current market value and is a major factor in figuring out how much your premium will be.
3. Coverages and Exclusions: This section lists the different circumstances and objects that your policy will cover as well as those that it will not. You can better understand the level of protection provided by your policy by being aware of these clauses.
4. Exceptions: There are certain circumstances or situations in which the insurance provider is not required to offer coverage or pay claims. To prevent misunderstandings when it comes to claim settlement, these are typically stated in detail in the policy document.
5. Services: The range of services provided by your insurer will be detailed in your policy. These could include roadside assistance, cashless garage services, and other policyholder-only support offerings.

How to Read Your Car Insurance Policy Document?

Due to its legalese and many provisions, reading a car insurance policy pdf can be intimidating. On the other hand, taking a methodical approach can simplify the procedure:

1. The Declarations Page should come first: The policyholder, insured vehicle, policy duration, coverage, and premium amount are all summarised.
2. Recognise Coverages and Premiums: Become acquainted with the many coverages that are part of your policy as well as the associated premiums.
3. Examine the Exclusions: This is to learn about the circumstances in which your policy will not pay out.
4. Conditions: Read over the policy's general terms, conditions, and provisions.
5. Know the deductibles that apply to your insurance: A deductible is the amount that you agree to pay out-of-pocket when you file a claim.

Details Mentioned in a Car Insurance Policy Document

Every car insurance copy is a very valuable document for car owners, but many owners don’t go through the insurance copy properly. All the car owners should have a closer look to get the details. Let’s look at the information that is written in the policy copy comprehensively:

• Insurance Policy and Certificate Number: First and foremost, the insurance policy details will be mentioned clearly. Things included in the policy are the policy number, policy inception date, expiry date, renewed date, time, year, and term of the policy. Check these dates to avoid the expiry and renew the insurance timely.
• Policyholder Information: The name, address and other personal details of any policyholder are essential documents that must be mentioned thoroughly. Car owners should go through these details and raise concerns if there are any discrepancies. 
• Car Description: The description of a car is significant due to the identification of the car. Car name, model type, manufacturer name, engine number, and VIN (vehicle identification number) come under this vehicle description. You should cross-check these details that are mentioned in the soft insurance policy copy.
• Insurance Coverage: If you buy a comprehensive policy or third-party insurance, it is written in the policy documents. All the coverages, such as vehicle and injured person coverage, are pointed out appropriately.
• Car Registration Details: The proper description of registration date and year, RTO name and state is another valuable piece of information that must be pointed out in the policy copy.
• Total Premium: Car insurance premium varies according to the policy and car type and model. The total premium and breakups (GST) are also mentioned in the policy documents.
• Nominee Name: According to the MVA, it is necessary to give the nominee name of the insured person. The details of the nominee are also written in the policy document.
• Terms and Conditions: Read properly the T&C after buying the car insurance policy online. You will get to know the legal provisions there.

Importance of Having a Duplicate Insurance Copy for Your Car

Having a duplicate insurance copy for your car is crucial for various reasons:

1. Protection against loss or theft: In the unfortunate event of losing your original insurance copy or having it stolen, a duplicate copy ensures that you can still prove your car is insured and claim coverage.
2. Quick access to policy details: Keeping a duplicate copy allows you to easily reference and access important policy information, such as coverage limits, deductibles, and contact details of your insurance provider.
3. Safeguarding against damage or accidents: In case your original copy gets damaged or destroyed due to accidents or certain disasters like fire, a duplicate copy serves as a backup to ensure you can still make claims.
4. Smooth claim settlement process: A duplicate copy eliminates delays in the claim settlement process since you can promptly submit the necessary documents to your insurance company.
5. Legal compliance: In many jurisdictions, having a valid insurance copy is a legal requirement. Having a duplicate ensures you comply with the law and avoid potential penalties.

How Can I Get an Online Copy of My Car Insurance Policy?

Getting an online copy of your car insurance policy pdf is a fairly straightforward process. Here’s a step-by-step guide on how you can obtain it:

1. Through Email:

Insurance Company’s Email: When you purchase or renew a car insurance policy, the insurance company usually sends a soft copy of your policy document to your registered email address. Check your inbox as well as spam/junk folders.  

2. From Insurer's Website:

• Login to Your Account: Open the official website of your insurer and log in to your account. To login, You need to fill in your registered email ID or mobile number and password.
•  Access Your Policy: Go to the dashboard and find the section that lists your policies. Click on the car insurance policy you want to download.
• Download the Document: There should be an option to view or download the policy document. Click on it, and the policy will be downloaded to your device.

3. Through Mobile Application:

• Access via App: If your insurance provider has a mobile application, you can log in to your account on the app.
• Find the Policy: Navigate to the section where your policies are listed and select your car insurance policy.
• Download Option: Similar to the website, there will be an option to view or download the policy. Use this option to get the document on your phone.

4. Customer Support:

• Contact Customer Service: If you’re having trouble downloading the policy, you can contact the customer service of the insurance company.
• Request Assistance: Ask them to resend the policy document to your email, or guide you through downloading it from the website or app.

Important Tips to Receive Your Car Insurance Copy 

Sometimes even after applying for the policy copy, it is possible that you might not be able to access the insurance copy. It is important to ensure that you have received it or not.

• Update Email: Ensure that the insurance company has your correct and active email address.
• Check Spam/Junk: Sometimes, emails from insurance companies might end up in the spam or junk folder. Don’t forget to check these folders.
• Save the Document: Once you’ve downloaded the policy, save it in a secure folder, and consider keeping a backup.

Having an online copy of your car insurance policy can be quite handy, ensuring that the policy details are accessible whenever you need them.

Getting Car Insurance Policy Online with InsuranceDekho

Step 1: Visit the  Car Insurance homepage on our website. Fill the form on the same page which will reflect as soon as you land on the car homepage.

Step 2: Enter your vehicle number e.g. RJXXRAXX14. Once you fill out the form, you can view the various plans offered under car insurance.

Step 3: Compare the top car insurance plans listed and choose what best suits your requirement. 

Optional Step: Connect with An InsuranceDekho Advisor

Step 5: After selecting the insurer and plan of your choice, make the payment to buy your car insurance policy.

Download Car Insurance Policy PDF from InsuranceDekho.com

When you buy a policy from insurancedekho.com, the policy document is sent to you on your official email and on your WhatsApp. However, In case you want to download the duplicate copy of your policy bought from Insurancedekho, you can follow these steps:

• Visit the Insurancedekho website and log in to your account.
• Log in by entering the details such as your phone number and OTP.
• After login, go to the ‘My Account’ section, where you can check your policy
• You can download the policy by clicking on the "Download" option available on the website.

Download Policy Copy Through Insurer Website

If you want to download your policy copy from the insurer website, note that each insurer’s steps might be slightly different but you have to visit their website, login in to their portal and find your policy document. Once you have located the policy document, you simply have to click on “Download.”

Download Car Insurance Policy Copy Online Via Insurer's Website

If you have purchased a car insurance policy, you can download the duplicate car insurance policy copy using the following steps. 

• Step 1: Visit the website of your car insurance provider. Select the type of insurance you are dealing with, in this case, car insurance.
• Step 2:  Next, depending on the insurance provider, you will need to log in to your account using your registered mobile number, email address or car insurance policy details. You can view the details and then download the copy.
• Step 3: Once you log in to the policy document, the policy papers will be available for download. If not you can file a request for a duplicate copy by contacting customer service and they will send you a copy of the document.

Bottom Line

As opposed to the traditional ways of going to the insurance office, and filing an FIR complaint, today, the process has become much simpler and quick, thanks to technology.  With the online method, it is also possible to download a copy of a car insurance policy in a fast manner, and that too from the comfort of the home. 

Also Read: 4x4 Cars in India 2024

FAQs

Ques. What is the policy document for auto insurance?

Ans. In response, an automobile insurance policy document is a legal contract that details the terms, conditions, coverage, exclusions, and premium information of the policy between the policyholder and the insurance provider.

Ques. What makes reading the policy paper for auto insurance important?

Ans. In order to provide a seamless and informed experience as a policyholder, reading the policy document will help you understand your coverage, obligations, rights, and procedures for making claims.

Ques. What does the term "Insured Declared Value" (IDV) mean?

Ans. The Insurance Declared Value (IDV) is the highest sum that the insurer will pay if the vehicle is totally lost. It is essential for figuring out the insurance premium and represents the car's current market worth.

Ques. Where do I locate the specifics of the coverage covered by my policy?

Ans. In the 'Coverages and Exclusions' section of your policy paperwork, you can find the specifics of your policy coverage.

Ques. What are the exclusions in a policy?

Ans. Exclusions are particular circumstances or states in which the insurance provider declines to pay claims or offer coverage.

Ques. In the policy paper, what is the declarations page?

Ans. The policy summary, which includes policyholder details, insured vehicle details, policy terms, coverage, and premium amount, may be found on the declarations page.

Ques. How should I proceed if I misplace my policy document?

Ans. You should submit the required paperwork for validation, write an application to your insurer asking for a duplicate copy, and file a police report.

Ques. After getting the policy paper, can I make modifications to my policy?

Ans. Yes, you can ask for additions or modifications to your policy. But, doing so could result in a higher premium and an amended policy document from the insurer.

Ques. What do my policy's deductibles mean?

Ans. The sums you consent to pay out-of-pocket when submitting a claim are known as deductibles. They have a major effect on premium rates and the amount of the claim.

Ques. How can I make sense of the conditions and terms of my policy?

Ans. Read each section thoroughly and become familiar with basic insurance terminology. For more information on complicated terminology, you can also see a legal counsellor or your insurer.

Ques. In the policy paper, is the nominee detail significant?

Ans. In the case that the policyholder passes away, the nominee's data will determine who will get the claim amount, hence the answer is yes.

Ques. Is my policy for auto insurance available in digital copy?

Ans. Yes, you can obtain digital policy documents from the insurer's official website or receive them by email from the insurer frequently.

Ques. What occurs if my policy document contains mistakes?

Ans. If you find any inaccuracies, you should inform your insurer right away so they can make the necessary corrections and send you an updated policy document.

Ques. What legal significance does the policy document have?

Ans. The policy document is an essential document in legal procedures and claims since it is a legal contract that safeguards the rights and interests of both the policyholder and the insurer.

Ques. What is the section on policy overview?

Ans. A summary of the key policy information, such as the policy number, term, insured, and coverage, is given in the policy overview section.

Ques. What is the purpose of the section with the premium details?

Ans. The net payable premium for the insurance, including any relevant taxes and discounts, is shown in this part that deconstructs the premium amount.

Ques. What should I look for in the section on vehicle details?

Ans. Check that details about the insured car, such as its make, model, year, identification number, and any other specifications, are accurate.

Ques. What happens if the policy document mentions my automobile model incorrectly?

Ans. Accuracy should be reported to your insurance company right away to avoid problems with claim payment.

Ques. How can I modify my policy's nominee details?

Ans. To modify nominee information, complete a nomination change form and send it to your insurance company along with the required identity documents.

Ques. Is a hard copy of the policy document required to be carried around?

Ans. Following Indian legislation, you are permitted to carry a digital copy of your policy documentation, which is obtainable via the app or website of your insurer and is recognised legally.

Ques. What is the purpose of a policy document in insurance?

Ans. A policy document is a legally binding agreement between the car insurance company and the policyholder. This document contains all important information about the policyholder, the car’s make, model, variant, engine and chassis number and the coverage details. In the event of a claim, this document helps in understanding the total amount of claim a policyholder is liable to receive.

Ques. What is the main objective of vehicle insurance?

Ans. The objective of taking a vehicle or motor insurance is to get legal and financial coverage in case of an accident or damage/ repair of the vehicle. This keeps you financially protected as your insurance company takes care of your major financial liabilities.

Ques. Can I download policy document online?

Ans. Yes, you can download your policy document online directly from your insurer’s website or though InsuranceDekho if the policy has been bought through us. You need to visit www.insurancedekho.com and login to your customer dashboard, select your policy and click on the download policy document button.

Ques. How do I download a certificate of policy?

Ans. It is easy to download your policy document or certificate through InsuranceDekho online. Visit www.insurancedekho.com > Login (from the top right corner of the website) > Check your open policies > select policy > click on download policy document. If you face any trouble in downloading your policy document, you can connect with us on call +91-7551196989 or by emailing us at support@insurancedekho.com. 

Ques. How do I get a hard copy of my insurance certificate?

Ans. For getting a hard copy of your insurance or policy certificate you can either submit a request to your insurance company or connect with an InsuranceDekho advisor who will assist you in getting the details from your insurer. You can connect with us by calling us on +91-7551196989 or by emailing us at support@insurancedekho.com.