What kinds of documentation are needed to purchase auto insurance

 

In India, having auto insurance is a requirement for car ownership. Car insurance is required by law in order to safeguard you and your vehicle from unforeseeable events. Purchasing auto insurance can be challenging, especially if you've never owned a car before. We will talk about the paperwork needed to purchase auto insurance in India in this article.

Personal Information

The first set of documents required to buy car insurance in India is personal information. The following documents are required:

    Name of the insured person: You will need to provide your full name as it appears on your driving license.
    Age and gender: You will need to provide your age and gender as per the government-issued ID.
    Address proof: You will need to provide a valid address proof document such as an Aadhaar card, voter ID, passport, or driving license.
    Contact details: You will need to provide your phone number and email address.
    Driving license details: You will need to provide your driving license number and the date of issuance.

Car Details

The next set of documents required to buy car insurance in India is related to the car details. The following documents are required:

    Car make and model: You will need to provide the make and model of your car.
    Vehicle registration number: You will need to provide the registration number of your car.
    Engine number and chassis number: You will need to provide the engine number and chassis number of your car.
    Date of purchase: You will need to provide the date of purchase of your car.
    Type of fuel used: You will need to specify the type of fuel used by your car.

Previous Policy Details (If Any)

If you have previously bought car insurance, you will need to provide the following details:

    Name of the previous insurance company: You will need to provide the name of the previous insurance company from whom you purchased car insurance.
    Policy number: You will need to provide the policy number of your previous car insurance policy.
    Expiry date: You will need to provide the expiry date of your previous car insurance policy.
    No claim bonus (NCB) details: You will need to provide the NCB details if you have made no claims during the previous policy period.

 required to buy car insurance in India

In India, it is mandatory to have a valid car insurance policy to drive a car on the road. To buy a car insurance policy, you need to provide certain documents to the insurance company. Here are the documents required to buy car insurance in India:

    Vehicle registration certificate: You need to provide a copy of your vehicle registration certificate (RC) to the insurance company. The RC contains details about the car, such as the engine number, chassis number, and registration number. The insurance company uses this information to verify the details of the car and provide an accurate insurance quote.
    Identity proof: You need to provide a copy of your identity proof, such as a PAN card, Aadhaar card, passport, or driving license. This is required to verify your identity and prevent fraud.
    Address proof: You need to provide a copy of your address proof, such as a utility bill, bank statement, or rent agreement. This is required to verify your address and ensure that the policy documents are delivered to the correct address.
    Previous insurance policy: If you are renewing your car insurance policy, you need to provide a copy of your previous insurance policy. This is required to verify your no-claim bonus (NCB) and ensure that you get the correct discount on your premium.
    PUC certificate: You need to provide a copy of your Pollution Under Control (PUC) certificate. This is required to ensure that your car meets the pollution control norms and is safe to drive on the road.
    Driving license: You need to provide a copy of your driving license. This is required to ensure that you are a licensed driver and eligible to drive a car on the road.

A detailed explanation of each document  to buy car insurance in India

here's a detailed explanation of each document required to buy car insurance in India:

    Vehicle registration certificate (RC): The vehicle registration certificate, commonly known as RC, is a legal document that contains details about the car, such as the engine number, chassis number, and registration number. It also includes information about the owner of the car, such as their name, address, and contact details. The RC is issued by the Regional Transport Office (RTO) and is a mandatory document for all vehicles plying on Indian roads. The insurance company uses the details mentioned in the RC to verify the make and model of the car, its age, and other relevant details to provide an accurate insurance quote.

    Identity proof: Identity proof is a document that helps verify your identity. It could be your PAN card, Aadhaar card, passport, or driving license. The insurance company requires identity proof to prevent fraud and ensure that the person buying the insurance policy is indeed the owner of the car. It also helps the insurance company to keep a record of their customers and contact them in case of any emergency.

    Address proof: Address proof is a document that helps verify your address. It could be a utility bill, bank statement, or rent agreement. The insurance company requires address proof to ensure that the policy documents are delivered to the correct address. It also helps the insurance company to keep a record of their customers and contact them in case of any emergency.

    Previous insurance policy: If you are renewing your car insurance policy, you need to provide a copy of your previous insurance policy. This document helps the insurance company to verify your no-claim bonus (NCB) and ensure that you get the correct discount on your premium. NCB is a discount given to customers who have not made any claims during the previous policy period.

    Pollution Under Control (PUC) certificate: The Pollution Under Control (PUC) certificate is a document that certifies that your car meets the pollution control norms set by the government. It is mandatory to have a valid PUC certificate to drive a car on the road. The insurance company requires a copy of the PUC certificate to ensure that your car meets the pollution control norms and is safe to drive on the road.

    Driving license: A driving license is a legal document that authorizes you to drive a car on the road. It is issued by the Regional Transport Office (RTO) after you pass a driving test. The insurance company requires a copy of your driving license to ensure that you are a licensed driver and eligible to drive a car on the road.