Navigating Bike Insurance Claims Without DL And RC

Insurance Claims Without DL And RC

In vehicle ownership, possessing a Registration Certificate (RC) and Driving Licence (DL) is pivotal. These documents are essential for purchasing or renewing bike insurance policies and are crucial when filing claims. However, unforeseen circumstances like loss or theft can hinder your ability to produce these documents. The Loss of Licence or RC Add-on becomes a valuable resource.

Claims For Bike Insurance Without DL And RC:

Submitting a claim for bike insurance without a DL is possible, depending on the insurer’s terms and conditions. However, having a reference code is typically essential. If your DL or RC is lost or stolen, the Loss of Licence or RC Add-on can rescue you, facilitating smooth claim processing.

How To Purchase RC Add-On Or Loss Of Licence:

Purchasing the RC Add-on or Loss of Licence for Two-Wheeler Insurance broadens the coverage scope. This add-on provides extra coverage benefits, requiring a slightly higher bike insurance premium. Check the insurer’s website for available add-ons when buying insurance online or offline.

Benefits Of Loss Of Licence Or RC Add-On:

  • No DL Or RC Required For Claim Application: The add-on eliminates needing a DL or RC when submitting a claim application.
  • Monetary Compensation For Duplicate Document: The add-on compensates for obtaining duplicate DL or RC in case of loss or theft.
  • Minimal Premium Increase: The cost of adding this feature to your bike insurance policy is only a slight increase in the premium.
  • Enhanced Security For Documents: The add-on provides an extra layer of security for your DL and vehicle registration certificate.

Choose either the Stand-Alone Own Damage or Comprehensive bike insurance plans to get the Loss of Licence or RC add-on. No extra paperwork is needed, but provide essential details like the engine and chassis numbers during purchase. Attaching a filed First Information Report (FIR) is compulsory when making a claim.

Actions To Take In The Event Of A Lost DL Or RC:

  1. File a complaint at the local police station where the loss occurred.
  2. Obtain a copy of the FIR.
  3. Apply for a duplicate DL/RC at the RTO in person or online through the Parivahan portal.
  4. Complete the necessary biometric process if your DL is a smart card.
  5. Receive a copy of the DL/RC within the specified timeframe.

Points To Consider When Making A Claim:

  • Submit the claim within the insurer’s specified timeframe.
  • Accurately complete the claim form.
  • Ensure all necessary paperwork is ready before starting the claim procedure.
  • Confirm the ongoing validity of your two-wheeler insurance policy.
  • Provide all required information and documentation for a smooth claim settlement.
  • Before initiating a claim, thoroughly understand the policy’s language and terms and conditions.

The Loss of Licence or RC Add-on safeguards when DL or RC documents are lost or stolen, ensuring a seamless insurance experience for bike owners. Always ensure you carry out the bike insurance renewal process on time to be eligible. To enhance your coverage options, compare bike insurance online to find the best deals, ensuring comprehensive protection for your two-wheeler, including valuable add-ons like the Loss of Licence or RC coverage. Claims are subject to terms and conditions set forth under the motor insurance policy. *

*Standard T&C Apply

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.