Get Two Wheeler Insurance Copy

4 min read | Updated on July 16, 2025, 15:45 IST

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According to the Motor Vehicles Act, 1988, it is mandatory to have an insurance policy for your two-wheeler vehicles. Before digitalisation, storing documents in a physical folder was a common practice. However, keeping all your documents on your phone is possible with the acceptance of digital policies by different authorities.

Digital lockers and online platforms can now save your important information as soft copies, while taking all necessary safety measures to keep it secure with a password. All issues related to physical insurance copies, such as misplacement or damage due to water or other factors, are eliminated with digital copies.

Now, you can easily download your two-wheeler insurance copy online. However, the procedure involves multiple steps and requires verifications. Let’s understand what you must do to get a two-wheeler insurance copy and how you can do it.

Significance of Downloading Your Digital Two-Wheeler Insurance Policy Copy

Here is why you need your insurance copy handy, almost all the time:

Legally Required

The Motor Vehicles Act requires proof of insurance to be held. A digital copy has the same implications as a hard copy.

During Accidents and Emergencies

You can access the policy from any device at any time, especially in the event of an emergency.

Renewals

You need the details of your insurance copy during renewals.

Having a digital copy also promotes sustainability and paperless initiatives.

How Can You Download Your Insurance Copy?

Regardless of whether the bike insurance is purchased online or offline, your insurer allows you to download the insurance copy with ease online.

To download a copy of your bike insurance document, simply follow the steps below:

Step 1. Visit your two-wheeler insurer's website.

Step 2. Find the two-wheeler insurance section and select the type of insurance that you have purchased.

Step 3. Enter your policy details. If you do not recall your policy number, please enter your two-wheeler registration number, and your insurer will provide you with your policy details.

Step 4. The policy copy will pop up on your screen. You can download the file to your device.

Do You Need Your Bike Insurance Policy in Hard Copy?

Both digital and physical copies of two-wheeler insurance are valid under Indian traffic laws. As per the Motor Vehicles Act and directives from the Ministry of Road Transport and Highways, carrying a hard copy is not mandatory. You can show your policy via DigiLocker or mParivahan during police checks or claims. However, keeping a printed copy as a backup can be helpful in case of phone issues or connectivity problems.

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What Should You Do If You Lose Your Bike Insurance Papers?

If you lose your bike’s insurance papers or any other required documents, please follow the steps below:

Inform the Insurer Immediately

Notify your insurance company about the lost documents. Most insurers allow you to initiate the process online or via customer care.

File a FIR (if required)

Some insurers may request a copy of the FIR from the local police station as proof of loss, particularly for older policies.

Apply for a Duplicate Policy

Submit a written application or request online for a duplicate insurance copy. You may need to provide your policy number, vehicle registration details, and ID proof.

Use Digital Copies via DigiLocker or mParivahan

You can access a valid digital copy of your insurance papers through government-approved apps like DigiLocker or mParivahan, which are legally accepted under the Motor Vehicles Act.

Conclusion

Accessing and managing your bike insurance policy has never been more convenient. Thanks to digital platforms, mobile apps, and government-backed services like DigiLocker, you can instantly download your policy at any time and from anywhere. This ensures you're always legally compliant and prepared during roadside checks or emergencies. While digital copies are legally valid, it’s still wise to keep a physical copy handy for added convenience and peace of mind.

FAQs

Is it compulsory to insure my vehicle in India?

Yes, as per the Motor Vehicle Act 1988, it is mandatory to have your motor vehicle insured with a reliable insurer. Failing to do so may lead to legal charges or suspension of your license for a certain period.

Can I carry a soft copy of the insurance policy to avoid penalties?

Yes, carrying a soft copy of the insurance policy can be accepted as proof as per the Motor Vehicles Act 1988. This applies to both two and four-wheeler vehicles.

Can I download my document from the company’s website?

Yes, you can download your policy document by logging into your insurance company's official website. Access the options and fill in your details.

Can I contact my insurance provider to retrieve lost documents?

Absolutely. Contact your insurance provider's customer support team and explain your situation. They’ll help you obtain a duplicate policy, either digitally or by mail.

About Author

Upstox Desk

Team of expert writers dedicated to providing insightful and comprehensive coverage on stock markets, economic trends, commodities, business developments, and personal finance. With a passion for delivering valuable information, the team strives to keep readers informed about the latest trends and developments in the financial world.