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DigiLocker Vehicle Insurance: Car Insurance in DigiLocker

Team AckoJan 17, 2024

Digitalisation has changed the way you interact with insurance companies. The benefits of digitalisation enable you to store your personal and official documents in a safe and secure environment. Whether it is a business or a government agency, they have started to address the need for digital transformation. One of the significant changes through the digital revolution is the storage of car insurance in DigiLocker. This article explains what a DigiLocker is and its valuable uses.




DigiLocker car insurance: Things to know about storing car insurance in DigiLocker  

DigiLocker is a safe and secure digital storage platform that was initiated by the Ministry of Electronics and IT (MeitY) to enable you to store, share and verify documents and certificates. It helps you store government-issued personal and official documents in digital format. 

Previously, we used to store physical documents such as the car insurance policy, Driving Licence, etc. in our wallets or physical files. While this was the norm, it had its disadvantages. The documents could be misplaced or even lost.

To eliminate the disadvantages of storing documents physically, the DigiLocker helps you store digital documents and certificates. Here are some of the important things you should know about DigiLocker car insurance.  

  • Empowers you to store and access documents at any time.

  • Enables authentication of digital documents by the concerned government authorities.

  • Easily store and quickly access digital car/driver-related documents such as the Registration Certificate (RC), Driving Licence (DL), vehicle insurance, etc. 

  • Documents stored on DigiLocker are considered equivalent to physical documents as per Rule 9A of the Information Technology Rules, 2016.

  • Easily present and verify digital documents at any time through the mobile app to concerned authorities.

Benefits of using DigiLocker

DigiLocker is an excellent method of storing documents safely. Here are the main benefits of using DigiLocker.

  • Access your digital documents, such as your car insurance policy, anytime, without the need for carrying the physical copies.

  • Acts as a single platform to save all vehicle and personal documents.

  • Avoid paying a penalty for not carrying a physical copy of the vehicle and personal documents.

  • Reduces the use of paper, making it eco-friendly and hassle-free.

  • Authenticating official documents is easier and hassle-free since the concerned government agencies issue the digital format of the document.

  • Your car documents are stored safely in DigiLocker, thereby eliminating the chance of losing it or even theft of the same.

  • It is also free of cost.

How to add car insurance in DigiLocker?

Here are the steps to fetch or add car insurance in DigiLocker.

Via the DigiLocker website

  • Step 1: Log into your account on the DigiLocker website ( using your mobile number/Aadhaar number/username (Your DigiLocker account is created through your mobile or Aadhaar number).

  • Step 2: Select ‘Get the document’ or ‘Banking and Insurance’.

  • Step 3: Choose ‘Acko General Insurance Ltd.’ and click on ‘Two-wheeler’.

  • Step 4: Enter your ACKO car insurance policy number and mobile number registered with us.

  • Step 5: DigiLocker will fetch your car insurance policy document in PDF and is saved automatically to your account.

You can access your digital car insurance policy in the ‘Issued Document’ section.

Via the DigiLocker app

  • Step 1: Download the DigiLocker mobile app and create your account by using your Aadhaar or mobile number.

  • Step 2: Select the option ‘Banking and Insurance’.

  • Step 3: Click on ‘Acko General Insurance Ltd.’ and click on ‘Two-wheeler’.

  • Step 4: Enter your car insurance policy number and mobile number.

  • Step 5: DigiLocker will fetch and store your document in digital format in your account.

You can access your digital car insurance document at any time from the ‘Issued Documents’ section in the DigiLocker app.

Also, read: Digilocker Bike Insurance

Mandatory car insurance documents to carry in India

Following is the list of car insurance documents you must carry while driving on Indian roads.

  • Car Registration Certificate (RC): A valid RC must be carried at all times as it allows you to drive four-wheelers legally on Indian roads.

  • Car Pollution Under Control (PUC) certificate: The PUC document certifies that your car’s emission is under the required limit and is not more than what is stated by the authorities.

  • Car Insurance Policy: Every car owner must possess a valid car insurance policy to drive on Indian roads as per The Motor Vehicles Act, 1988.

  • Driving Licence (DL): Driving a car on Indian roads without a valid DL is a punishable offence under The Motor Vehicles Act, 1988.

In a nutshell

DigiLocker is an ideal and free digital storage option for storing your car documents in a safe and secure manner, especially your car insurance policy. Insuring your car not only offers you peace of mind but also avoids penalties in case the physical documents are missing or lost. DigiLocker is a secure source to store your documents in digital formats and is accessible at all times.

Frequently asked questions

Here are some commonly asked questions about car insurance in DigiLocker.


Is DigiLocker a safe portal to store car insurance documents?

The DigiLocker is authorised by the government of India to store your government-issued and personal documents in a safe and secure environment. It uses mobile identification technology based signup through One Time Password (OTP) for validating users and allowing access to the digital storage platform.

I have stored my car insurance policy in DigiLocker. Should I carry the physical hard copy of the car insurance while driving on Indian roads as well?

No, you need not carry the physical hard copy of the document. As per the IT Act, a digital car insurance policy stored in DigiLocker is considered at par with the physical hard copy of the document.

How to update the car insurance policy renewal in DigiLocker?

The process remains the same for new and renewed car insurance policies. Access your account on the DigiLocker website or mobile app to provide a few details of the policy to fetch the new policy document. You can access the DigiLocker vehicle insurance in the ‘Issued Documents’ section.

Is DigiLocker vehicle insurance valid for raising a claim?

All documents issued through DigiLocker is authentic since government agencies verify and issue the documents.

Is DigiLocker a government-approved mobile app?

The DigiLocker was launched by the Ministry of Electronics and Information Technology, Government of India under its Digital India initiative to legal store government and personal documents in digital form.

Can I show the car insurance in DigiLocker to relevant authorities?

Yes, as per Rule 9A of the Information Technology Rules, 2016, documents stored in the DigiLocker app are considered at par with the physical copy of the document.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.

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