List of Documents Needed to Buy Car Insurance in India

With online platforms and mobile applications, buying car insurance today is easier than ever. With just a few clicks, you can view hundreds of insurance options, compare various providers, select customisable plans, and purchase the plan you need. 

However, to process your car insurance application, insurers require certain documents. Having these documents handy can make the process of getting your vehicle insured quick and efficient. In this article, we give you a comprehensive list of car insurance documents required whether you are looking to buy a new policy, renew an existing one, or need to file a claim. 

Documents Needed to Buy a New Car Insurance

When purchasing a new car insurance policy, your insurer will request certain documents to process your application. These include: 

1. Application Form: The first of the documents required for car insurance is a duly filled application form. Here, you need to provide personal details, vehicle information, and your insurance needs. Make sure to verify all the details carefully before submitting the form. 

2. Proof of Identity and Address: Valid documents such as an Aadhaar card, Passport, or Voter ID are required to verify your residency and legal status. 

3. Proof of Income: While not always mandatory, some insurers may request proof of income as part of car insurance documents to assess your financial stability. You can submit your salary slips, tax returns, or bank statements.

3. Driving License: A valid driving license is a mandatory document required for car insurance as it proves your eligibility to drive the vehicle.

4. Vehicle Registration Certificate (RC): The RC is a legal document that confirms your vehicle’s registration with the regional transport office (RTO). It contains details about the vehicle, such as the make, model, and manufacture year. 

5. Vehicle Inspection Report: If your vehicle is old, an inspection report may be required to assess its current condition and value before issuing the policy.

6. Documents from Previous Policy: If you are switching insurers, you will need to submit the car insurance documents from your previous policy.  

7. No-Objection Certificate (NOC): If you have purchased a used vehicle, submit an NOC from the previous owner to transfer the insurance policy to your name.

Expert Tip: Be accurate and honest when filling out your insurance application. This will lower the chances of complications and rejection at the time of making a claim. 

Documents Needed to Renew Your Existing Car Insurance

Renewing your car insurance is typically simpler than buying a new one. However, you still need to produce the following documents:

1. Previous Insurance Policy Document:  It proves your existing coverage and contains details like your policy number, coverage type, and period.

2. Vehicle Registration Certificate (RC): This car insurance document helps verify that the vehicle details have not changed and it is still registered in your name.

3. Inspection Report: An updated inspection report may be required if your insurance has lapsed or you wish to change the terms of your policy.

Documents Needed to Claim Car Insurance

The documents needed for a car insurance claim are very specific to the situation in which the claim has been made. However, here are some of the most common car insurance claim documents you would need:

1. Certificate of Insurance: This document is proof of your insurance policy and is necessary when filing a claim.

2. Copy of the Registration Certificate: To verify the vehicle under claim is the one insured.

3. Copy of the Driving Licence: To prove that you were licenced while driving at the time of the accident. 

4. Copy of the FIR: A police first information report (FIR) is mandatory for accidents, thefts, and third-party damage.

5. Estimate of the Cost of Repairs: If applicable, an estimate from a repair shop detailing the cost of fixing the vehicle is required.

6. Receipts of Expenses Incurred: Any receipts related to the claim, such as towing charges or emergency repairs, should be kept and submitted.

7. Filled Claim Form: To process your claim, you need to fill out the claim form provided by the insurer accurately.

Key Takeaways

Being prepared with the right documents can simplify buying, renewing, or claiming car insurance in India. It ensures that you are not caught off-guard with the process and helps expedite the insurance procedures. 

Remember, the exact documents required can vary between insurers, so it’s always a good idea to check the requirements with your specific insurance provider. Also, keep digital copies of all documents handy, as most insurance application processes are done online. 

For a hassle-free insurance purchase and renewal experience, consider using platforms like PhonePe.