Bike Insurance Claim Without a Driving License or RC: What to Know


In India, bike ownership and riding are governed by various laws requiring essential paperwork like insurance, driving license, pollution control certificate, and registration certificate. Failure to produce these documents upon request may result in fines from traffic police. When filing a two-wheeler insurance claim, essential documents include the driver’s license and registration certificate. However, if you lose your motorcycle’s remote control or driver’s license, a claim can still be filed if the insurer offers add-on coverage for these losses.

How Can I File An Insurance Claim For My Bike Without A Driver’s Licence Or RC?

If you misplace your motorcycle license or registration copy, filing a two-wheeler insurance claim may still be possible under certain conditions. Many insurers typically require these documents for processing claims, but exceptions exist. For instance, if the bike is in an accident before completing the registration process or if someone else, like a friend, is using the bike due to your lack of a driver’s license, you may still be able to make a claim. To do so, you may need an RC Add-on Cover or Loss of Licence coverage, subject to specific restrictions. Claims are subject to terms and conditions set forth under the motor insurance policy.*

What Is An RC Add-On Or Loss Of Driving Licence?

When getting Comprehensive Two-Wheeler Insurance or Standalone Own Damage Insurance, consider add-on covers to customise your coverage. These add-ons, though increasing the premium, enhance policy coverage. Even without your RC or driving license, you can still file a bike insurance claim if you have a Loss of Driving Licence or RC add-on cover. Claims are subject to terms and conditions set forth under the motor insurance policy.  *

Not all insurers offer this, so when buying bike insurance online, check the optional features list on the provider’s website. Make sure you do the Bajaj Allianz bike insurance renewal on time.

Advantages Of A DL/RC Add-On Coverage Loss

  • It permits you to file a two-wheeler insurance claim even if you lack a driver’s licence or registration certificate.
  • If your RC and DL are misplaced or stolen, you may also be eligible to get payment for requesting duplicate copies of them.
  • It is offered with a comprehensive bike insurance policy for a small premium.

Things To Keep In Mind Should You Lose Your RC and Driver’s Licence

If you lose important documents like your RC or driving license, follow these steps:

  • File a complaint at the local police station and obtain a First Information Report (FIR).
  • Visit the regional transport office for a duplicate (RC or DL) by providing necessary documentation and covering associated costs.
  • Complete the process online or offline based on your preference.

To file a Bajaj Allianz bike insurance claim without an RC or driving license:

  • Submit the claim within the specified time.
  • Provide accurate details.
  • Ensure all required paperwork is ready.
  • Confirm the active status of your insurance.
  • Furnish the insurance company with the necessary information.
  • Review the policy terms and conditions for coverage details.

Typically, to submit a two-wheeler bike insurance claim, you need the registration certificate and driver’s license. Even if you lose your bike license and registration, you can still file a claim with the Loss of Driving Licence and Registration Certificate Add-On Coverage.

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