Updated on 26 Dec 2025
Buying a new car is an exciting moment for everyone. When a brand new one is rolled out of the showroom and driven on the road, it will usually be with a temporary registration number. Getting a permanent number plate will take some time. In this case, there often arises an important question in the mind of drivers: can one claim car insurance with a temporary registration number? Let’s find the answer to this query in this blog.
Is insurance valid with a temporary registration number?
Yes, car insurance is valid even if your vehicle has a temporary registration. According to the Motor Vehicles Act, every vehicle must be insured before it is driven on public roads. Insurance coverage typically begins once the policy is issued, regardless of whether the vehicle has a permanent or temporary registration number.
You can purchase either a third-party liability or a comprehensive car insurance plan according to your coverage needs.
Claim insurance with a temporary registration number
Filing a claim with a temporary number follows the same process as it does with a permanent one. You need to inform the insurer about the accident or damage and submit the required details. The claim will be assessed, and the insurer may send a surveyor to inspect the vehicle. However, you must ensure that your temporary registration number is mentioned correctly in your policy document. Later, when you receive the permanent number, it should be updated with your insurer.
Documents required to claim insurance with a temporary registration number
When making a claim, you are usually required to submit:
- Insurance policy document to verify coverage.
- Temporary registration certificate as proof of your vehicle’s registration status.
- Driving licence to confirm the driver’s eligibility.
- FIR or police report (if applicable),for theft or major accidents.
- Repair bills and estimates for claim settlement.
Important points to remember
A few things to keep in mind while claiming insurance with a temporary number include:
- Insurance coverage remains valid from the day the policy starts.
- Once your permanent registration number is issued, inform your insurer to update the details.
- Keep all claim-related documents safe for smoother processing.
Conclusion
Insurance remains valid for vehicles with temporary registrations, and claims can be made as long as your details are accurate and documents are in place. While driving with a temporary number, ensure your policy information is correct and updated when you receive the permanent number.
If you are looking for the ideal car insurance for your new vehicle, fill out the form provided on this page. We will assist you with expert advice to find the right policy.
FAQs
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Is it mandatory to have insurance with a temporary registration?
Yes, all vehicles must be insured before being driven on public roads, whether they have a temporary or permanent registration number.
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Do I need to update my insurance once I receive the permanent registration number?
Yes, you should inform your insurer and update the policy with your permanent number.
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Can I claim for theft with a temporary registration number?
The ability to claim for theft depends on the type of policy you hold and the insurer’s terms. It is best to check your policy wording or speak with your insurer.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.