What to Do When You Have Lost Your Two-Wheeler Insurance Policy?

lost two-wheeler insurance policy

As per the Motor Vehicle Act, 1988, the owner of every vehicle plying on the roads of India has to have vehicle insurance policy for covering the amount for which he/she becomes legally responsible. These legal responsibilities can be paying for the damage to the third-parties after an accident, damage to property, or bodily injury. In this way, if an owner lost two-wheeler insurance policy such as you lost your two-wheeler insurance, it not only becomes illegal to drive that bike on the roads, but it also becomes impossible to file a claim in case of any accident.

Steps to Apply for a Two-Wheeler Insurance Policy

Therefore, you have to follow the below steps, if you have lost your two-wheeler’s insurance document:

  • Step 1: File an FIR: The first and foremost thing that you have to do in this case is to file an FIR at the local police station. For filing FIR, you have to provide details such as insurance number, type of policy, etc. The FIR is required by the insurance company while applying for the duplicate two-wheeler insurance.
  • Step 2: Apply for a Duplicate Copy of Your Two-Wheeler Insurance Policy: After filing FIR at the local police station, the next step is to submit an application to the insurance company for the duplicate copy of your two-wheeler insurance policy. In this application, you have to provide details such as the policy number, name, policy issuance date, and the type of application. If more than one parties are involved in the policy, then the signatures of both the parties are needed. Moreover, some companies also require a minimal fee for the duplicate copy of the bike insurance policy.
  • Step 3: Sign the Indemnity Bond with the Insurance Company: In case of two-wheeler insurance policy loss, the insurance company makes the provision of signing an indemnity bond on a non-judicial stamp paper in order to request duplicate policy. This bond has all the details related to policy such as your name and the policy number. Moreover, to order transparency in this, the insurance company wants this bond to be signed by two witnesses other than your blood relations. Some insurance company may require your financial status in this bond due to some safety reasons.
  • Step 4: Publish an Advertisement in Any National Newspaper: The last step that various insurance companies ask its insureds to follow is to publish an advertisement in any national newspaper related to loss of two-wheeler insurance documents. If asked, then it is suggested to publish an advertisement in any national newspaper related to loss. You have to send the copies of this advertisement to your two-wheeler insurance provider. The insurance company uses it as a proof of verification since it does rigorous investigation related to the loss and issues you the duplicate copy of your policy if finds everything suitable.

Documents Required to Apply For a Duplicate Two-Wheeler Insurance Policy

Even though different two-wheeler insurance providers have different document requirements in order to apply for a duplicate two-wheeler insurance policy, but the common set of papers that you need to submit at the time of misplaced or lost two-wheeler insurance policy are:

  • An application in writing to the insurance provider mentioning your interest in applying for a duplicate policy copy for your two-wheeler. It is advised to mention the reason for the same.
  • Copy of FIR with the application.

As soon as you file the application for a duplicate insurance policy in case of loss, the insurance company starts its investigation for the same. Upon successful completion of the verification process, your insurance company issues a duplicate copy of your lost two-wheeler insurance policy.

Before filing any claim or duplicate insurance policy for your two-wheeler, you must understand the types of insurance policies available in this category.

Types of Two-Wheeler Insurance Policy

There are two types of two-wheeler insurance policies available:

  • Third-Party Insurance: This type of two-wheeler insurance policy only provides coverage when losses are caused to third-party property or person due to an accident by your two-wheeler. However, this type
  • Comprehensive Insurance: This type of two-wheeler insurance policy provides coverage against any damage or burglary caused to your two-wheeler because of riot, fire, flood, or terrorism. Most of the times, this plan also offers accidental cover to the rider of the two-wheeler due to an accident. With cover towards your own vehicle, this type of two-wheeler insurance plan also takes care of third-party liability or the payable amount to third-party in case of an accident.

Since the coverage of both these types of insurance plans differs, thus the premiums also differ. However, coverage is not the only factor to define the premium of a two-wheeler insurance policy; there are some other factors as well:

Factors Affecting the Premium of a Two-Wheeler Insurance Policy:

The below factors also affect the premium of a two-wheeler insurance plan:

  • Insured Declared Value (IDV): It is the maximum amount that an insurance provider pays at the time of a claim. It is basically the sum insured which is being fixed at the time of policy inception. Moreover, the IDV is calculated as per the selling price of your vehicle and then it is adjusted according to depreciation rates of the two-wheeler.
  • Geography and Zone: As per Indian Motor Tariff, India is divided into two zones – Zone A and Zone B. Zone A have cities like Chennai, Bangalore, Mumbai, New Delhi, and Kolkata, whereas Zone B contains the rest of the cities of the country. The premiums are higher in all the cities falling under Zone A.
  • Cubic Capacity (CC): The new two-wheelers of these days come with different CC capacities and the premium as well depends upon CC.
  • Age of the Vehicle: The last but not the least deciding factor of the premium of two-wheeler is the age of the vehicle. The older your vehicle is, the more premium you have to pay.

Therefore, the premium is calculated as per the above-mentioned factors and thus different policies may have different premiums.


Mentioned above are some guidelines that you should follow when you lose your two-wheeler insurance policy or it gets misplaced. The best way to get the duplicate two-wheeler insurance policy is to inform your insurance provider immediately or as soon as possible after the loss of insurance documents. Moreover, be clear in the actions that you have taken after that. Since this process may take time, so it is suggested to intimate the insurance provider and start processing as soon as you realize the loss of insurance papers.

Hope this article will help you to understand the process that you have to follow when you have misplaced or lost your two-wheeler’s insurance documents.