• An insurance policy is the most crucial investment to consider when acquiring a new car or bike. Many believe that it is unnecessary. However, according to the Motor Vehicle Law, 1988, it is compulsory for you to have insurance for your vehicle.

• Now, whether you’re buying bike insurance or car insurance, you can select between two options. You can opt for either third-party Insurance or comprehensive insurance. Upon purchasing any of these insurance policies, you will receive a unique policy number from the insurer.

• Some of you may understand what a policy number is, while some may not. The subsequent section will reveal every detail regarding the policy and its number. First, let’s provide you with a brief overview of the types of policies.

What is an insurance policy number?

• A policy number is a distinct number (typically 8-10 digits) assigned to you upon acquiring a new vehicle. The number remains unchanged during the policy’s validity period. It will only alter during the renewal of bike insurance or if you purchase a new policy from a different insurer.

What are the various types of vehicle insurance policies?

As noted, a car or bike insurance policy is categorized into two types:

Comprehensive

A comprehensive vehicle insurance policy is an all-encompassing package that includes personal accidental cover, third-party cover, and protection against damage due to theft, natural disasters, fire, etc. The policy provides compensation if you damage any third-party property in an accident. Additionally, you also receive financial coverage of 15 Lakhs in the event of permanent disablement or death due to an accident.

Third-party

A two-wheeler insurance third-party insurance policy is a segment of the comprehensive policy. This policy solely covers damages and injuries sustained by third parties. You do not receive any coverage for damages to your vehicle; however, you won’t have to pay for the third party out of your own funds.

When Do You Need Your Insurance Policy Number?

• When processing an insurance claim, you will need to supply your policy number. Your policy number is a unique identifier of 8 to 10 digits, which allows the insurance company to retrieve your specific policy information and handle your claim efficiently and accurately. It is necessary when submitting a claim, interacting with customer service representatives, and communicating with the insurance company. Therefore, it’s essential to have your policy number easily accessible when addressing any insurance-related issues.

Also Read: Bharat NCAP Ratings For Cars – All You Need to Know

How do I find my Insurance Policy Number?

If you are uncertain about locating your policy number, here are some of the most effective and quick methods to find it!

1. Using the website of IIB (Insurance Information Bureau)

IIB is an online platform introduced by the IRDAI (Insurance Regulatory and Development Authority of India) in 2009. The primary aim was to facilitate quicker access to vehicle insurance policies online.
If the physical version of your policy was damaged in the incident, you can visit the IIB website to retrieve the policy number. Simply input the required details such as the owner’s name, address, email, etc.

2. Speak with your local insurance agent

If your insurance provider has a local branch, you can go there in person. Provide them with the basic information noted in the previous section, and the representative will provide you with the insurance policy number.

3. Insurer’s website or mobile application

If you purchased the policy online, obtaining its number will be much simpler. All you have to do is log into the insurer’s website and fill in details like vehicle registration number, phone number, etc. , and VOILA! You will discover the policy number.

4. Customer Support

Nearly all insurance companies have customer support teams. Thus, regardless of whether you bought a policy online or offline, you can reach out to them during business hours to get your policy number. They will require the same information as stated in the previous points.

Also Read: The Magic Of Car Anti-Lock Brakes: Why They’re A Game-Changer!

Ways to Check Two-wheeler Insurance Policy Number

There are multiple methods to check your two-wheeler insurance digit:

1. Using the IIB Website

The Insurance Information Bureau (IIB), initiated by IRDAI, provides online access to vehicle insurance policies. Input details such as the owner’s name, address, and email to locate your policy number.

2. Visit the Nearest Office

Go to your local branch of Bajaj Allianz General Insurance Company for essential information. An agent can assist you in retrieving your policy number.

3. Website or Mobile Application

If you acquired your policy through the internet, log in to the website or mobile app using your vehicle registration and phone number to obtain the policy number.

4. Customer Support

Reach out to the company’s customer support team with the required details during business hours to secure your policy number.

Conclusion

The insurance policy number is an important identifier for vehicle owners, facilitating efficient policy management, claims processing, and adherence to legal regulations. Whether you retrieve it via online platforms, insurance offices, or customer support, quick access to this number is vital. Always maintain a record of your policy information to prevent issues during emergencies or legal matters.

FAQs

How do I download an insurance copy?

The process is straightforward. Just visit the official website of your insurer, input the policy number, type of policy, and other details to download a copy of your policy.

How do I find out my old insurance information?

If you ever need details about your past insurance policy, it’s wise to reach out to the motor vehicle department or the agency. They usually keep records of licensed drivers. You can easily obtain information about your previous policy.

How to find an insurance policy by vehicle number?

You can locate an insurance policy by vehicle number using several methods. These include:
Visiting the Parivahan Sewa or VAHAN site.

Utilizing the VAHAN application.

Reaching out to the insurance provider directly.