Know If You Can Claim Car Insurance with A Temporary Registration Number

The temporary registration number is provided on a provisional basis to people when they buy a car. This number helps them fill in the records and carry out the required tasks when the process to create the permanent registration number is underway. One of the most important tasks that you must carry out when you buy a car is to purchase car insurance, online or offline.

An insurance policy helps you out financially in the event of an accident or damage to your car, depending on the coverage of your plan. However, is this coverage valid while you still have a temporary registration number? Let’s find out.

What is atemporary registration number?

When one buys a car, one cannot drive it without it being registered under a number. However, the process to attain the permanent registration number takes some time. One has to go to their RTO office and initiate this process. Rather than let the car be stationary until the procedure is completed, the authorities allow you to drive it with the help of the temporary registration number.

The temporary number is a legally valid one and is usually provided for a month, after which you receive the permanent number. *

Raising a car insurance claimwith a temporary registration number 

One can indeed raise an insurance claim with a temporary number. In fact, when you are buying the insurance policy for the first time, your car would likely not have a permanent number yet. Insurers initially issue the policy on the basis of other distinguishing factors, such as chassis number and engine number. And hence, making a claim when the permanent registration number is not issued yet is permitted within the policy’s guidelines.

When you do receive the permanent registration number, you must inform the insurer about the same. They may call youand ask for the updated number. Or,it maybe required during the car insurance online renewal process. *

Step-wise guide on raising a claim with a temporary registration number

If your car has been damaged while it still has a temporary registration number, you can follow thesesteps to raise a claim:

  • Inform your insurer

The first step in any claim process is to inform the insurer of the situation. Give an honest review of what has happened and how the damage occurred. Here, instead of the usual car registration number, you will have to provide the chassis number and the engine number. *

  • Submit the claim form

Just like buyingcar insurance online, you can also raise an online claim. You simply have to download the form, fill it out, attach the relevant documents, and submit it. You can also carry out this process offline. *

  • Allow for evaluation 

Based on the claim details, the insurer will send in a surveyor to evaluate the damage to your car. It is advisable to leave the car untouched until the surveyor is done with their work. Post that, your claim will be accepted or rejected. In the case of the former, you can send the car for repair. *

  • Receive the compensation 

If your insurance claim has been approved, the insurer will pay for the damages to the garage itself if you have opted for cashless repairs. In case of reimbursement, you will receive the compensation in a few days’ time. *

* Standard T&C Apply

Do note that the nuances of the claim process may differ depending on the type of policy. The claim-raising process for a thirdparty car insurance policy may differ from that of a comprehensive policy.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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