Updated on - 06 Feb 2026
Imagine being stopped for a routine check and realising you don’t have your insurance handy. It’s a situation many drivers face, but it’s easy to avoid. Having your four wheeler insurance policy downloaded keeps you prepared and stress-free. Beyond being a legal requirement, it protects you from unexpected expenses.
With online access, you can quickly download your policy, store it safely and drive confidently knowing your coverage details are always within reach.
Why is it important to download your car insurance policy?
It’s important to download your car insurance policy because it serves as proof of valid coverage whenever required. Having a soft copy on your phone or email allows you to instantly show it during traffic checks, accidents or claims, saving time and avoiding penalties.
It also ensures you always have access to your policy details, renewal dates and coverage information. Regularly checking your car insurance online helps confirm that your policy remains active and up to date.
Documents required before downloading the car insurance policy
To download your car insurance policy in India, you’ll need to provide documents that verify your identity and vehicle ownership. Keep these ready:
- Vehicle Registration Certificate (RC): Confirms vehicle ownership and registration.
- Proof of Identity: Aadhaar, PAN, passport or driving licence.
- Policy Number or Registered Details: Needed to log in or request an OTP.
- Registered Email or Mobile Number: For OTP verification and document access.
For renewals or special cases, you may also need:
- Previous Policy Details or Renewal Notice
- Vehicle Inspection Report (if the policy has lapsed)
- Recent Photograph (if requested)
These documents ensure a smooth and verified download process.
Step-by-step process to download a car insurance policy online
Downloading your car insurance policy is a simple process. Insurance providers usually have a dedicated portal, app or customer care department to help you through the process. To obtain your policy documents:
- Go to the official website of the insurance provider
- Put your credentials and log in to your user account, or make a new user account
- Go to the policy section, open “My policies” or “Download Policy”
- Verify the details and download the policy document
- Save the softcopy or make a print of the document
How to download a car insurance policy via the insurer’s mobile app
You can easily download your car insurance policy through your insurer’s mobile app. Start by downloading the official app from the Play Store or App Store and logging in with your registered mobile number, email or customer ID using the OTP sent to you.
Once logged in, go to the “Policies” section on your dashboard to view your active covers. Select your vehicle using its registration number, then tap “Download PDF” or the download icon to save your digital policy for quick and secure access anytime.
How to download a car insurance policy from the insurer’s official website
To download your car insurance policy from your insurer’s official website, visit the insurer’s site and log in using your registered credentials. Go to your account dashboard or the “Policy Documents” section and look for an option such as “Download Policy” or “Get Policy Copy.”
You may be asked to verify your identity through an OTP sent to your registered mobile number or email. Once verified, you can download and save the digital copy of your car insurance policy for future reference.
What do you do if you lose your car insurance policy document?
If you lose your car insurance policy document, start by informing your insurance company immediately through email or their toll-free number to request a duplicate. Next, file an FIR at the local police station and share a copy with your insurer along with a written request.
You may also need to publish a newspaper notice stating the loss of your policy. Finally, prepare a notarised indemnity bond with your name and two witnesses, attach it with the required stamp paper fee and submit it to the insurer for reissuance.
Benefits of keeping a digital copy of your car insurance policy
Keeping a digital copy of your car insurance policy is safer and more convenient than relying on paper documents. It is legally valid and can be accessed anytime through apps like DigiLocker or mParivahan, which are accepted by authorities during checks or claim verification.
A digital copy prevents loss or damage, speeds up renewals and claims and reduces paperwork. It also helps you stay compliant without carrying physical documents, while supporting the Digital India initiative.
Conclusion
A car insurance policy isn’t just a legal requirement; it is your financial safety net on the road. Keeping a digital copy ensures that protection is always at your fingertips, no matter where you are. It saves time, prevents unnecessary stress during checks or emergencies and gives you the confidence to drive worry free. In India, having at least a third party car insurance policy is mandatory, so it’s important to make sure you are covered.
For personalised guidance on choosing the best car insurance plan for your needs, fill out the form on this page and get expert advice today.
FAQs
1. Can a car insurance policy be downloaded without logging in?
No, login details such as the policy number or registered mobile number must be entered before the document can be downloaded.
2. Can a duplicate policy be downloaded if the original copy is lost?
Yes, once identity verification is completed, a duplicate copy can be downloaded through the insurer’s website or app.
3. Is a downloaded policy accepted during traffic checks?
Yes, the digital policy is legally recognised in India when shown through DigiLocker, mParivahan or directly from the insurer’s PDF copy.
Disclaimer: This blog provides information on how to download a car insurance policy. The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.