How to Claim Car Insurance without Driving Licence & RC

There are certain fundamental documents associated with a car’s comprehensive insurance policy. You need these basic documents/details to buy the insurance policy and to raise a claim. For instance, you need the vehicle’s engine number while purchasing a policy, and the policy number to raise a claim. Likewise, while driving, you must have certain documents like the vehicle RC and driving licence. Without a driving licence, your car insurance claim can also get rejected. Read on to know all about raising a claim without a driving licence and the Loss of Licence add-on. 

Can you raise a car insurance claim without a driving license? The answer is, yes. Can the same be done without an RC? The answer is based on the terms and conditions and the complexities of the situation, but it can be done. Purchasing a Loss of License or RC add-on can also prove to be helpful.

A driving license is not needed to purchase a car. The simple reason being you can purchase a car but choose not to drive it you can hire a driver. But the driver needs to hold a valid driving license and that is needed at the time of a claim. Similarly, there can be a substantial time frame between the purchase of a car and getting it registered. What if something happens to the car?

If you have a comprehensive policy, then things should work out fine. Alternatively, if you have lost crucial documents, an Add-on like Loss of License or RC can be of assistance.

Loss of Licence or RC add-on enhances your cover by helping you raise a car insurance claim even if you have lost your driving licence. You can buy this add-on via online or offline purchase modes if your insurer offers such a cover. In the case the add-on is unavailable on the website, you can contact the insurance company and purchase this add-on along with your Comprehensive Policy.

Listed below are a few things that you must keep in mind when buying loss of licence cover:

A driving license and a registration certificate (RC) are important documents if you want to drive your car or ride a bike on Indian roads legally. These are the documents that the traffic police ask for along with the insurance papers while conducting their routine checks.

Therefore, if you have lost these documents, you need to apply for duplicate documents immediately. Here’s how you can do so.

Step 1 – Approach the nearest police station and lodge a First Information Report (FIR).
Step 2 – Approach the nearest RTO and request for duplicate license/RC forms.
Step 3 – Submit the filled application form and add the FIR and the supporting forms to it. The applicable forms can be downloaded from the Parivahan website.
Step 4 – Pay the applicable fees.
Step 5 – Receive the duplicate document via post.

Thus, even if you have lost your driving licence and vehicle RC, you must still file a car insurance claim. You can consider buying loss of RC/driving licence add-on which will protect you against such events.