All You Need to Know About Bike Insurance in Digilocker

The seismic shifts created by the digital world have changed the way we store our personal and official documents. The benefits of digital transformation are clear. Even the Covid-19 pandemic has taught us how the digital environment helps ease our work.

Both businesses and government agencies have started to address the need for digital transformation. One of the significant changes in digital transformation is the storage of bike insurance in DigiLocker. This article explains what a digital locker is and its valuable benefits.

Things to know about two-wheeler insurance in DigiLocker

The word ‘digi locker’ is a short form for digital locker. The digital locker enables you to store documents in a digital format. Traditionally, we used to store personal and vehicle documents such as Driving Licence (DL), bike insurance policy, etc., in physical files or our wallets. This type of storage is risky since you could misplace or lose them. 

The process of procuring these documents from government agencies can be cumbersome and challenging. To address this issue, the Ministry of Electronics and IT (MeitY) launched the DigiLocker, a digital locker that you can access through the website or mobile app. The digital storage app empowers you to store, access, and authenticate digital documents such as Driving Licence, Registration Certificate, Bike Insurance Policy, and more.

Digital documents stored in the government-authorised DigiLocker are considered equivalent to physical documents as per Rule 9A of the Information Technology Rules, 2016. You can present these digital documents at any time through the mobile app to relevant authorities for verifications.

Benefits of using DigiLocker

Here are the advantages of using DigiLocker.

• You can access your digital documents, such as your two-wheeler insurance policy, from anywhere, saving you time and paperwork.

• All your vehicle and personal documents such as Registration Certificate, Driving Licence, Pollution Under Control Certificate (PUCC) and Bike Insurance Policy are available on a single platform.

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

• Minimises the use of paper, making the process environmental-friendly and hassle-free.

• It makes validating official documents easier since the authorised government agencies issue them.

• Bike documents are safe since they are stored digitally, eliminating the chance of theft or loss.

• And, it is free of cost.

How to upload your bike documents in DigiLocker?

Follow the steps below to fetch bike documents in DigiLocker.

Through the DigiLocker website

• Step 1: Visit https://digilocker.gov.in/ and login into your account using your Aadhaar number/mobile number/username (You can create your DigiLocker account using Aadhaar number/mobile number/username).

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

• Step 3: Under ‘Acko General Insurance Ltd’, choose the ‘Two-wheeler’ option.

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

• Step 5: The system will fetch your policy document in PDF and get saved in your DigiLocker account.

• Step 6: Go to the ‘Issued Documents’ section to access your digital policy document.

Through the DigiLocker mobile app

• Step 1: Download the app and login into your account using your Aadhaar number/mobile number/username (You can create your DigiLocker account using the Aadhaar number/mobile number/username).

• Step 2: Choose ‘Banking and Insurance’.

• Step 3: Under ‘Acko General Insurance Ltd’, choose the ‘Two-wheeler’ option.

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

• Step 5: The system will fetch your policy document in PDF and get saved in your DigiLocker account.

• Step 6: Go to the ‘Issued Documents’ section to access your digital policy document.

Also, read: What is a Third-party bike insurance policy?

Types of bike documents required to be carried while driving in India

Here is the list of bike documents that you need to carry while driving in India.

• Bike Registration Certificate (RC): You need to carry a valid RC as it allows you to drive the bike legally on Indian roads.

• Bike Pollution Under Control Certificate (PUCC): The PUCC certifies that the bike’s emission is under control and is not more than the stated by the authorities.

• Driving Licence (DL): Riding your bike on public roads without a valid DL is a punishable offence.

• Bike Insurance Policy: As per The Motor Vehicles Act, 1988, every motor vehicle plying on Indian roads to hold a valid two-wheeler insurance policy.

In a nutshell

With numerous benefits, the DigiLocker is an excellent and free digital storage for storing your bike documents, especially the bike insurance policy. Apart from being a legal requirement to carry bike insurance policy documents while riding the bike, it also helps you avoid paying fines for missing papers or bike documents. DigiLocker offers a hassle-free experience and access to your bike insurance policy at the touch of a button. Thus, you should store your two-wheeler insurance policy document in DigiLocker for a worry-free experience.

Frequently asked questions

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

Is it safe to store my bike insurance policy in DigiLocker?

DigiLocker is a government-authorised digital storage platform and is entirely safe and secure to use. It utilises mobile validation based signup through One-time Password (OTP) for authenticating users and allowing access to the digital storage platform.

Should I carry a physical hard copy of the bike insurance policy even if I have stored it in DigiLocker?

As per the IT Act, digital bike insurance policies issued in DigiLocker are considered at par with the physical hard copy. It means that you don’t have to carry the original or a hard copy of the bike insurance policy.

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. Explore More:

• Does High Premium Mean High Bike Insurance Coverage?

• When is the Best Time to Renew your Bike Insurance?

• How To Negotiate On A Two-Wheeler Insurance Claim Settlement

• Is the entire two-wheeler covered by the bike insurance policy

• Why should you buy a two-wheeler insurance policy?

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