Whether a Car Insurance Claim Can Be Possible Without a Driving Licence ?

How to File a Car Insurance Claim?

If your driver's license is not available and you need to file a claim, you will need to inform your insurance provider so that you may still continue to benefit from your policy. Here is a detailed guide on how to approach this:

 

• Alert your insurance company: After the loss of your license, give your insurance company a call as soon as possible. Make sure your policy information is close at hand.

• Describe the circumstances: If you lose your driver's license, notify your insurance and specify whether you filed an FIR or requested a duplicate.

• Provide relevant documentation: Provide additional important documents, including your policy documentation, vehicle registration certificate (RC), and an affidavit from the RTO detailing the reason for your license suspension.

• Claim assessment: The insurer will conduct an investigation to verify the claim’s validity.

• Repair or reimbursement: Once approved, you can either repair your car at a network garage under a cashless arrangement or pay the charges and get reimbursed later.

 

By keeping the insurer informed and submitting all the required details, you can avoid unnecessary delays or rejection.

 

What Are the Documents Required to File a Car Insurance Claim?

To ensure a smooth claims process, you’ll need to provide the following:

 

• Car Insurance policy document

• A copy of the FIR (if applicable)

• Vehicle registration certificate (RC)

• Photographs of the damage

• Repair bills or estimates

• A driving license or a declaration explaining its loss

   

Pro Tip: Since a valid RC is essential for claim acceptance, get in touch with your RTO right away if you're unsure how to apply for an RC book if you've lost it.

 

What Are the Benefits of the Loss of License Add-On?

Accidents and unanticipated circumstances can knock us off balance, especially when important documents are missing. The Loss of License add-on is useful in this situation. Here is how it is helpful:

 

• Legal coverage: This add-on guarantees that your claim won't be impacted even if your license is lost.

• Expense protection: Covers costs incurred while getting a duplicate license or legal penalties.

• Ease of claim processing: Simplifies the documentation process by addressing the absence of a license.
   

This add-on is a smart choice for frequent drivers who want to safeguard against such contingencies.

 

How Can the Loss of License Add-On Be Purchased?

It's easy to add the Loss of Licence add-on to your Car Insurance policy through the methods listed below:
 

• When buying a policy: Choose this option when purchasing a new insurance policy.

• Policy renewal: To improve your coverage, add it at the time of renewal.

• Through Internet portals: A lot of insurers allow consumers to customise their policies through websites or applications.

 

Car Package Insurance Policy Add-On: Loss of Driving License

Not only is the Loss of Driving License add-on a safety measure, but it's also a workable fix for complications with documents. Here’s what it provides:

 

• Duplicate License costs: Covers the expenses involved in acquiring a duplicate driving license.

• Seamless claims: Ensures that your insurance claims are processed without delays, even in the absence of a license.

• Additional protection: Saves you from legal or financial penalties for not possessing a license at the time of an accident.
   

Anyone who appreciates a hassle-free claims process but has a propensity to misplace their license should get this add-on as it perfectly complements a comprehensive Car Insurance policy.

 

Things to Do If You Have Lost Your Driving License

Losing a driving license isn’t just inconvenient—it can also lead to significant challenges if not addressed promptly. Here’s what you should do:

 

• File an FIR: Visit the nearest police station and report the loss.

• Apply for a duplicate license: Submit Form LLD along with a copy of the FIR and other required documents at your local RTO.

• Maintain digital copies: To securely store and retrieve digital copies of your license, use government-backed sites such as mParivahan or DigiLocker.

• Notify your insurance company: To prevent future conflicts, inform your insurance of the loss and inquire about the claim process.

 

By following these guidelines, you can remain compliant with the law and continue to have a smooth insurance claim process.

 

In Summation

If you've lost your driver's license, you cannot make a claim on your Car Insurance policy without a valid one. However, you might want to consider using the Loss of License add-on to further streamline the procedure. It’s a game-changer, providing you with the coverage and convenience you deserve during tough times.

 

Speaking of convenience, Shriram Car Insurance provides plans that are tailored to your needs, ensuring seamless claims with minimal documentation. With affordable premiums, multiple add-ons, and dedicated customer service, Shriram General Insurance stands out as a trusted partner for Indian car owners. Secure your vehicle today and drive worry-free!

 

FAQs

1. Can I file a Car Insurance claim without a driving license?

Yes, you can, provided you inform your insurer and submit alternative documents like an affidavit and FIR.

 

2. How to apply for a duplicate license in India?

Visit your local RTO and submit Form LLD along with the FIR and applicable fees. Don’t forget to check PariVahan for digital backup options.

 

3. What happens if I lose both my driving license and RC?

Apply for a duplicate RC at your RTO. Learn how to apply for RC book if lost to avoid claim rejections.