• Car insurance is an easy method to recover any losses you encounter if your vehicle sustains damage, whether from an accident or other causes. Making a car insurance claim to your insurer is a guaranteed way to cover any harm to your vehicle. You only need a few basic documents and submit either an online or offline application to obtain insurance for your vehicle. In the event of an accident, theft, damage, or different situations, you just need to notify your insurer about the issue as soon as possible, provide the necessary documents, and initiate the claim process. While many individuals may not be aware of this, you can even submit car insurance accident claims without requiring a driving license or RC. Continue reading to learn more.

Car Insurance Claims Without Driving License Or RC

• If you believed that you could not submit an insurance claim without a driving license, you might have been misled. Insurance companies acknowledge specific circumstances or scenarios where you can submit a car insurance accident claim even if you do not have your driving license or RC on hand. For example, you might have purchased a new vehicle and are perhaps learning to operate it. You could also have a driver who takes you around, or simply have misplaced your license. While claiming insurance in these situations may present challenges, it is certainly not unattainable.

• The insurance sector has established a framework to assist you in claiming insurance if you lack a license. Car insurance claims without RC or license might be a bit more complicated but are still achievable. When it comes to claiming insurance without possessing the RC, a lot will hinge on the insurer’s terms and conditions and the context, such as those previously mentioned.

How To Buy Loss Of License/RC Add On For Car Insurance?

• It is quite straightforward to file an insurance claim without an RC or driving license if you acquire the loss of license/RC add-on with your insurance policy. Add-ons enable you to broaden the coverage of your insurance policy for improved service or convenience. The loss of driving license/RC add-on permits you to submit a valid claim if you have lost or cannot find your license or RC. Even if your RC is temporary, you can make a claim under the loss of license/RC add-on.

• If your insurer offers the add-on to your existing insurance policy, you can purchase it online or offline. If the add-on option is not accessible online, you can also reach out to your insurance company via email or phone.

Car Package Insurance Policy Add-on: Loss of Driving License/RC
You can acquire the add-on for your vehicle by paying an additional premium on your current insurance policy. The add-on will integrate into your overall policy and require the insurance company to compensate for your lost or stolen driver’s license and RC book. The cost you need to pay for the loss of the documents usually depends on your vehicle insurer’s specific terms and conditions.

• To initiate a claim for this add-on, you must first file an FIR or first information report at your local police station. In fact, you are also required to file an FIR if you lose your license, RC, or vehicle keys, as soon as you become aware of the loss, since it can assist during the claim-filing process.
• Things To Do If You Have Lost Your License Or RC
• If you have misplaced your License or RC, you must follow the steps outlined below to secure a duplicate copy.
• File an FIR at a nearby police station.
• Go to the RTO and obtain the required form to apply for a license or RC.
• Acquire a NOC from your bank if you have an existing car loan.
• Obtain an affidavit that includes all the details of your vehicle.
• Submit the FIR along with the completed form to the RTO.
• Pay the necessary fee to get the duplicate.
• Make sure to get the acknowledgement slip from the RTO.

FAQs
How can I find out if my chosen insurer offers the loss of license/RC add-on?
You can determine if your chosen insurer offers the loss of license/RC add-on by checking the information available on their website. Alternatively, you could call or email the insurer to ask about it.

How can I verify my RC status?
You can verify your RC status online by visiting the ‘parihavan’ website.

Why is the RC crucial for car insurance claims?
RC cards are essential because they contain the registration information of your vehicle.
If I only possess a Third-party Liability plan, am I able to purchase the Loss of License/RC Add-on?
No, you are not able to. To purchase the loss of license/RC add-on, you must have a comprehensive insurance plan.

Disclaimer: For further information on risk factors, terms, and conditions, please review the sales brochure thoroughly before finalizing a sale. *The discount amount will differ based on vehicle specifications and registration location.