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How to file a car insurance claim without DL and RC

Introduction

A few papers must be submitted with your application to get a claim for your car insurance. These might be used to verify the ownership and personal information of the property. When submitting a claim, these key papers must be included with the claim. The goal is to make the procedure as painless as possible. Additional information such as the policy number and the vehicle engine number is required. 

Uncertainties are inherent in the process of purchasing vehicle insurance online. There may be a period when the fundamental papers necessary to file a claim cannot be obtained. Claims may be resolved in these situations if a few further procedures are taken. 

Knowing these procedures will enable the individual to make an informed choice without feeling panicked. Let’s look at the items to consider to submit the claim without these papers.

Claiming Car Insurance without DL or RC

Bajaj Allianz Car insurance may be obtained even if you do not have a driving license. The procedure of submitting a claim is rather straightforward. On the other hand, raising it without RC may be subject to a variety of restrictions and conditions from the insurer. The most important thing to remember is that you may purchase an automobile even if you do not have a driving license. 

This is due to the possibility that you may employ a driver who has a valid driving license. It gets more realistic when it comes to older automobiles since you may not be driving them in the first place. In some instances, you may be able to receive automobile insurance coverage. 

There are certain circumstances in which your four-wheeler license may be suspended. You can, however, purchase a car and get the cheapest third-party car insurance for it. Considering these circumstances, a supporting format for claiming insurance without a driving license may be created. The difficulties are less complicated in the case of a complete policy. If you misplace any important papers, you may purchase a loss of license/RC add-on with your insurance policy.

Insurance coverage for a car package add-on: Loss of driving privileges/restricted driving privileges

To obtain the add-on for your automobile, you must pay an additional payment on top of your current insurance policy. The add-on will become a part of your comprehensive policy and entitle the insurance provider to pay you for the loss or theft of your driver’s license and registration book. The amount you are required to pay towards the loss of the papers is normally determined by the terms and conditions of your car insurance policy.

Initially, you must file an FIR (first information report) at your local police station to be eligible for this benefit. You should make a police report as soon as you realize you’ve misplaced your license, registration card, or vehicle keys, as this will be useful throughout the claim-filing procedure.

What to do if you have misplaced your driver’s licence or RC

If you have misplaced your license or registration card, you must follow the procedures outlined below to get a duplicate copy.

  • Fill out an FIR at a police station that is convenient for you.
  • Visit the RTO and get the appropriate paperwork to apply for a license or RC.
  • If you have a vehicle loan, you need to get a letter of authorization from your bank.
  • Obtain an affidavit that includes all of the specifics about your vehicle.
  • To submit the FIR to the RTO, you must also submit the completed form.
  • Pay the fee that is required to receive a duplicate.
  • It’s important to remember to get an acknowledgement slip from the RTO.

What is the process for purchasing a Loss of Licence/RC add-on for Car Insurance?

If you purchase the loss of license/RC add-on with your Bajaj Allianz Car Insurance policy, you will be able to submit an insurance claim even if you do not have your RC or driving license. Add-ons allow you to broaden your insurance policy coverage for improved service or more convenience. 

If you have misplaced or lost your driving license or registration card, you may make a legitimate claim using the loss of driving license/registration card add-on. Although your RC is only temporary, you may be able to claim the loss of license/RC add-on category.

If your insurer offers an add-on to your existing insurance policy, you may purchase the add-on either online or via a local agent. If the add-on option is not accessible online, you may still contact your insurance provider through email or phone to inquire about the availability of the option.

Conclusion

Your insurance provider will pay for damages even if you don’t have these important papers because of the Loss of Licence or RC Cover. This is for those who possess a car, but don’t drive it or those whose vehicle hasn’t acquired its permanent registration yet. It’s also reasonably priced and useful if you lose your driver’s license or registration certificate. Finally, bear in mind that the cheapest third-party car insurance does not cover the loss of these papers, and you will require an FIR to file a claim.

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