How to Download Your Motor Insurance Policy Online

5 min read | Updated on July 21, 2025, 15:56 IST

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Upstox is a leading Indian financial services company that offers online trading and investment services in stocks, commodities, currencies, mutual funds, and more. Founded in 2009 and headquartered in Mumbai, Upstox is backed by prominent investors including Ratan Tata, Tiger Global, and Kalaari Capital. It operates under RKSV Securities and is registered with SEBI, NSE, BSE, and other regulatory bodies, ensuring secure and compliant trading experiences.

While preparing for their annual vacation, Ankur carefully packed all the important documents, including ID cards, driving licenses, and tickets, when he suddenly sat up in panic. Shivangi, his wife, immediately asked what was wrong. Ankur exclaimed, “We forgot to get a copy of our motor insurance policy! We can’t take the original; what if it gets damaged or lost?” As he began searching for nearby photocopy shops, Shivangi calmly said, “Oh, you worry so much for nothing. Pass me my phone.”

Though annoyed, Ankur handed it over. “You don’t realise we’re taking a road trip. We must carry all crucial documents,” he added. Shivangi nodded, saying, “I know, I agree. Now pass me my phone.” Within minutes, she called him over and held out her phone screen. “Here you go, I downloaded it online. And before you ask me, yes, it is completely valid to have an e-copy.” Ankur stared, relieved, finally relaxing into the night.

In today’s world, not using technology to your advantage is an injustice to yourself. Corporations, including insurance companies, have transitioned all their services online, along with their offline offices, to provide greater convenience for their customers. Policyholders do not have to hold their breaths until the office opens and the agents are available to get things done. They can easily get anything done online. Even if you have any questions, the online portals provide several resources well-equipped to answer your questions and resolve your concerns.

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Steps To Download an Insurance Policy Online

Getting a copy of your motor insurance policy should not cause you to go to the physical office. You can easily download a copy online from the ease of your home. All you have to do is follow some simple steps:

Step	Action Needed	Pro Tip
Visit the Insurer’s Website or App	Open your insurer’s official website or mobile app	Avoid fake sites—verify the domain or use app store links
Log in to Your Account	Enter your registered mobile/email + password	First-time users must sign up. Ensure your contact details are updated
Go to Policy Section	Navigate to ‘My Policies’ or use the search bar	Usually on the home screen, but terms may vary
Select Policy	Choose your motor insurance policy from the list	If you have more than one, check dates & vehicle number
Download and Save	Click on ‘Download’ or ‘View Policy’ to get the PDF	You can save it on your phone

Use the mParivahan App or DigiLocker

You can also use the mParivahan App or Digilocker to access and store your insurance policies. Here are a few things you should remember:

Government Approved

Both apps are authorised by the Government of India for storing official documents.

Secure & Convenient

They offer cloud-based access to your motor insurance and other vehicle-related documents.

Link with Aadhaar or Vehicle Registration

No. You can link your documents using your Aadhaar number or vehicle registration number.

Legally Valid

Digital copies stored here are legally accepted by the traffic police across India.

No Physical Copies Needed

Just show the policy via app during checks: no need to carry printouts.

Risk-Free Storage

Eliminates the chance of losing or damaging original documents.

Always Accessible

Access your documents anytime, anywhere, even while travelling.

Download Through An Aggregator Platform (Like Upstox)

If you have purchased a policy from an aggregator like Upstox, it is quite straightforward to download and store the document on your phone or any other device. Let us understand more about buying a policy from an aggregator and how to use it:

What It Is

Aggregator platforms (like Upstox) let you compare and buy motor insurance policies from multiple insurers in one place.

Easy Comparison

These platforms help you choose the best plan based on coverage, add-ons, claim service, and price, all in one dashboard.

Policy Access

If you bought your policy from an aggregator, you can download it from the same portal.

Login Required

Use the same ID and credentials you used during purchase.

Follow Prompts

Go to the dashboard → My Policies → Select Motor Insurance → Click Download.

Fast Process

The process takes less than 15 minutes, and no paperwork is needed.

Digital Record

You’ll also get a soft copy via email, and you may receive renewal reminders through the platform.

Summing up

As a vehicle owner and driver, having a motor insurance policy is financially crucial and legally mandatory. What is equally important is having the policy documents safe and secure, ready to be used if and when needed. Traditionally, policy copies were given on paper. While great, paper policies have certain challenges, such as bulkiness and difficulty in carrying. They are also fragile and susceptible to damage, which can negatively impact the claims process.

One great way to avoid this hassle is by having e-copies. You can easily download these online and keep them safe and secure on your laptop or mobile device. You can also store them in cloud-based services like the mParivahan App or DigiLocker, which is much more convenient than keeping paper copies everywhere. The best part is that there is no limit on how many times you can download them or how many copies you can have of the e-policy.

FAQs

Can I use a QR code to access my motor insurance policy?

Yes, many insurers provide a QR code on your policy that lets you instantly access it through any QR scanner-enabled app.

Is an e-copy of motor insurance accepted during car resale documentation?

An e-copy is valid and can be shared digitally during ownership transfer or resale documentation processes.

What should I do if I lose access to my registered mobile number or email?

You should update your contact details through your insurer’s portal or customer service to regain access to your online policy account.

Can I store my expired motor insurance policies digitally for records?

Yes, expired policies can be downloaded and stored digitally for reference or claims history.

Are downloaded e-copies of motor insurance accepted for international road trips?

Only if the policy includes international coverage and is accepted by the authorities of the destination country, always confirm in advance.

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.