A car insurance is required under the Cars Act, 1988. That is why if you're buying a car or have one, you are required to possess a valid car insurance policy on a single. There are two kinds of auto insurance policies generally offered by the insurance coverage companies – third-party liability, which is mandatory under law, and car insurance policy which provides coverage for third party liability and own damages.
The car insurance policy number is really a unique number that's printed on the policy document. It's allotted through the insurance provider to each policyholder. It helps the company identify the policy account. The policy number is a numerical digit that you get following the policy is disseminated.
If you purchase your vehicle insurance plan online, the number can be found on the soft copy from the policy document sent to your email ID. For offline policies, however, you would find the number printed on the policy document when you are getting the hard copy of the same.
What is a car registration number?
Vehicle number means the registration number of the car. Your vehicle registration number is really a unique number allotted to the automobile through the Regional Transport Office of your district. Whenever you purchase a car, you will have to register it with your local RTO inside a duration of 30 days of purchasing it. The respective RTO will give you a distinctive registration number which serves as an identification of the car and its owner, i.e. you.
The vehicle number, or even the registration number of the car, consists of 10 digits in which the first couple of digits signify the state in which your car is registered, the next two digits would be the district code and also the last four digits are the car’s unique identification number. For instance, in case your car registration number is WB 28 ST 4509, WB stands for West Bengal, 28 refers to the district from the state where the car continues to be registered and 4509 is the unique identification quantity of your car.
When do you want your car insurance plan number?
Your car insurance number is needed in several instances. Therefore, you should keep the physical copy of the car insurance handy while worries. A few of the instances when you need your vehicle insurance policy number are listed below:
- In case of making a claim
The insurance provider requests your car insurance’s policy number when you're registering your claim. Additionally, when filing a police FIR in the case of a 3rd party or theft claims, law enforcement might also require your vehicle insurance policy number to be mentioned around the FIR. Thus, when making claims, the insurance policy number is required.
- Renewing the insurance policy
The car insurance number is important during the time of renewing the insurance policy. Should you renew your overall policy, you would need to supply the car insurance policy number to retrieve your details.
You may also purchase a new insurance plan on renewal and transfer the present no claim bonus towards the new policy. In such instances too, the policy number would be needed when filling the form for that new plan.
- For checking car insurance details
If you don’t have your vehicle registration number handy and you need to look into the information on your insurance policy, you can use your car insurance policy number to complete the same. Similarly, you can also make use of your car number plate to determine the policy details if you do not possess a car insurance policy number handy.
- For the purpose of verification
The car insurance number is needed when the traffic police stop your automobile to check the validity of your insurance plan. In such a case, even though you may not have access to an actual copy of your policy document, you can provide your car insurance plan number which would permit the law authorities to determine the validity of the insurance online.
- To apply for duplicate documents
Though it's quicker to check or retrieve your car insurance plan online, you may require physical copies of the document for various purposes. Hence, if you have lost your vehicle insurance plan document, you are able to obtain a duplicate one. You would require the policy number in order to apply for a duplicate car insurance.
Your car insurance policy number is, therefore, important and really should be kept handy all the time.
Different methods to find your car insurance policy number using car number
If you've lost your policy document and have forgotten your car insurance policy number and need to access it, your automobile number will come in handy. You'll find your car insurance policy number using your vehicle or number plate.
When you purchase your vehicle insurance plan, it gets associated with your vehicle number plate making it easier to check the information on the policy with the aid of the number plate. Below are some of the methods how to find insurance plan number by vehicle number:
Online
There are different ways to look at your car insurance policy number online. If you wish to understand how to find car insurance policy number online, listed here are your options:
- You can visit the official website of the Regional Transport Office by which your vehicle is registered and fill in your number plate to check on your vehicle insurance plan number
- The Insurance Regulatory and Development Authority asia has developed an internet site known as the Insurance Information Bureau . You can access the website for checking car insurance policy number online making use of your registration number
- You can click on their state Transport Department website and discover the facts of the car insurance policy using your registration number
- The website from the Secretary of state for Road Transport and Highways also offers the details of the vehicle insurance policy issued on your number plate. You are able to, thus, access the details of the insurance policy on the website simply by entering your registration number.
- You may also visit the official website from the insurance provider and employ your registration number to log to your account to check on your vehicle insurance policy number. By logging into your account, you may also check many other details of your vehicle insurance plan.
Alternatively, if you don't remember your vehicle number plate, some insurance companies provide a mobile application facility in which you can log in for your requirements via a mobile number. After you sign in on the mobile app, all the details of the car insurance policy will be reflected including the policy number. You are able to, thus, access your car insurance plan number through the mobile application anytime anywhere.
Offline
You may take the help of the insurance aggregator or the broker from whom you brought the insurance policy. Alternatively, you can also call the insurer or visit the nearest branch from the insurance provider and provide your vehicle registration number along with certain personal information as are usually necesary. The insurance coverage aggregator or the executive from the branch can help you find your vehicle insurance plan number.
A car insurance number may be the identification quantity of your vehicle insurance. It should, therefore, be stored carefully. If you forget or misplace your vehicle insurance policy number, you don’t have to be worrying. If you are searching for an response to how to find my car insurance number online, the reply is your car registration number. Use the number and opt for the methods previously stated to locate your car insurance policy number.
Frequently Asked Questions
- Does my car insurance number stay on renewal?
If you renew the insurance policy with the same insurance provider, your vehicle insurance plan number would stay. However, if you switch insurers, the insurance policy number would change. You should, thus, keep your latest policy number handy at all times.
- Is the proposal number similar to the policy number?
No, the proposal number differs from the policy number. The proposal number is the number that is applicable whenever you apply for a car insurance policy. Once the policy is issued, another formal number is issued which is sometimes called the insurance policy number.
- Would I have to pay a charge for requesting a duplicate copy of the insurance policy?
The dependence on the charge depends upon your insurance company. A lot of companies charge an administrative fee for issuing a replica policy copy. Others don’t. So, seek advice from your insurer if you want to pay a fee for a duplicate copy and spend the money for fee, if applicable, to obtain the copy in the earliest.
- What is an Insurance Certificate?
The Insurance Certificate is a one-page document which contains the facts of your car insurance, such as the policy number. It is recommended to carry the certificate in the car to be able to produce it when needed.
- Does my RC book contain the car insurance number?
No, the RC book does not contain the information on your insurance plan. As a result, the car insurance plan number isn't recorded in the RC Book.
