What Documents Are Required for Buying Motor Insurance
Written by Upstox Desk
4 min read | Updated on May 27, 2025, 14:11 IST
Documents Required For Motor Insurance
Summing Up
FAQs
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Sameer needed to buy motor insurance for his car and contacted Atul, a local insurance agent, who assured him of a smooth and quick process. Confident, Sameer shared the required documents, expecting things to move swiftly. However, the process soon turned exhausting. Atul repeatedly asked for different papers or clearer copies of the ones already submitted. After several back-and-forth exchanges, Sameer finally lost his patience and asked, "Why is this taking so long? Why do you keep asking for more documents?"
Atul responded calmly, "Each document has its importance. If even one is incorrect or unclear, it can cause delays not just while buying the policy, but even later when making claims." Realising the seriousness of the matter, Sameer understood that, though tiring, ensuring every document was in order was necessary for a hassle-free insurance experience.
While it is understandable why Sameer would feel frustrated as an insurance policy buyer, the situation is largely a result of his own actions. However, he is not the only one who undermines the importance of submitting proper documents regarding motor insurance. Most policyholders are unaware of the document requirements for a comprehensive motor insurance policy.
While missing out on a document here and there might not seem like a big deal when purchasing the policy, it can result in claim rejection when claiming the policy, even if the deviation is minor. Therefore, ensuring all required documents are duly submitted upon purchase is always better.
Documents Required For Motor Insurance
If you are not sure about which documents are required for motor insurance and why they are important, here is a comprehensive list of documents generally required for motor insurance and their relevance:
| Document | Meaning | Example/Issuing Authority | Importance |
|---|---|---|---|
| Proof of Identity | Govt-issued ID verifying the policyholder | Aadhaar, PAN, Passport, Voter ID | Confirms rightful ownership; missing or mismatched ID may lead to claim rejection |
| Proof of Address | Confirms your current residential address | Aadhaar, Utility Bill, DL, Passport | Ensures proper communication and delivery of policy updates |
| Vehicle RC | Confirms vehicle ownership & key specs | Issued by the local RTO | Links the policyholder to the vehicle; mandatory for claims |
| Driving License | Legal permit to operate a vehicle | Issued by the local RTO | Claims are rejected if the driver is found unlicensed |
| Previous Insurance | Details of past policy, claims, and NCB | Policy number, insurer name, NCB status | Required for bonus retention and premium calculation |
| PUC Certificate | Confirms emissions are within legal limits | Issued by authorised testing centres | Mandatory for insurance validity; an invalid PUC can void claims |
Note: This is a tentative list of documents; consult your insurance company for the exact list of documents required when buying a motor vehicle insurance policy.
Summing Up
The reason to buy an insurance policy is simple: to have a financial safety net when needed. No one wants to face rejection when claiming the policy, especially when all premiums have been paid in full. Rejection in the case of a motor insurance policy can result in financial troubles and severely disrupt your daily life, as everyone today is highly dependent on their vehicle.
One major reason for claim rejection in the case of a motor insurance policy is incomplete or improper documentation. The good thing is that it can be easily avoided just by being proactive. All you need to do is submit clear and accurate documents and not miss any crucial ones. By being attentive to documentation, you can minimise the chances of policy rejection.
FAQs
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Can I buy motor insurance without physically visiting an insurance office?
Yes, most insurers offer online motor insurance purchases where you can upload scanned documents and complete the process from home.
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What happens if I change my address after buying insurance?
You must notify your insurer and update your address to ensure you receive policy documents and avoid future claim processing issues.
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Is it necessary to provide a photo while purchasing motor insurance?
While not always mandatory, some insurers may request a recent passport-sized photo for record-keeping and policy identification.
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Can I get motor insurance for a vehicle that's not registered in my name?
Generally, the registered owner must be the policyholder. Exceptions apply only under specific legal arrangements, like a lease or a power of attorney.
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What if I submit fake or forged documents for insurance?
Submitting forged documents is insurance fraud and can lead to policy cancellation, claim denial, legal action, or being blacklisted by insurers.
About Author
Upstox Desk
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.
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