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Can I Get Car Insurance Without Having a Valid Driving License in India?

Author: Team Finpage
A driving license is not mandatory to buy motor insurance in India.
Monday, May 13, 2024

Getting your driving license is one of the most exciting moments of your life. It is no less than an achievement and a reason to celebrate! Drive around alone at night with the windows rolled down and your favourite music playing, go on road trips with friends or simply enjoy comfortable conveyance to the workplace. There’s so much you can do with a valid driving license. But you need a car to make the most of this license. In India, getting car insurance is mandatory for all vehicles.

Now, a driving license might be an extremely important document, but you don’t need it for car insurance. Read on to understand how to get car insurance without a license. 

Buying Car Insurance Without a Driving License

A driving license is not mandatory to buy motor insurance in India. The documents you will need to submit to make the purchase are proofs of identity and address, which could be your passport, Aadhaar card or PAN card. A recent passport-sized photo and the vehicle’s registration certification are also necessary. Some insurers might mention a driving license as well but not all of them ask you to upload this document while applying for insurance online or offline. 

What to Do if I Lose My Driving License?

Remember that claiming car insurance in India requires a valid driving license and vehicle registration certificate. In their absence, the insurance provider has the right to reject your claim. So, what do you do if you have misplaced any of these documents? To avoid any adverse consequences, you can add a Loss of License and RC cover to your insurance policy right in the beginning. This is an add-on that lets you claim insurance later without these essential documents.

Getting insurance add-ons is a wise step since it enhances your vehicle’s coverage. Car owners do not have to pay for repairs from their savings. They can successfully raise a claim for any damage to the vehicle due to an accident or any other mishap covered by the policy. You simply need to ensure regular premium payments to save yourself from paying a fortune for damage repair or a car makeover. Further, no payment is required to apply for a new driving license. These charges are also taken care of by the insurer if you have the right add-on cover.

A Loss of Driving License add-on helps cover the costs of filing an FIR. This is quite helpful since a copy of the FIR is required to get a duplicate of your driving license and make any claim on your car insurance. The overall claim settlement process becomes quick and convenient. 

How to Get a Lost Driving License?

While a license is not mandatory to purchase insurance, you need it to drive. If you have lost this document, follow these steps:

Step 1: File an FIR

Step 2: Visit your nearest Road Transport Office (RTO) to get forms for a duplicate license.

Download the form from the “Parivahan Sewa” website.

Step 3: Fill in and submit the form.

Step 4: Appear at the RTO on the appointment date and time to complete the formalities.

Step 5: A duplicate copy of your driving license will be sent to you by post.

Getting insurance for your car does not require a valid driving license. However, it is recommended to keep the license handy to be on the safe side. Some insurance providers might ask you to submit the license with your application form.

Team Finpage

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