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Can I Claim A Bike Insurance Without A License?

Four essential documents for any bike owner or rider are the driving license (DL), registration certificate (RC), PUC certificate, and bike insurance policy. Two documents, the DL and RC, are necessary when purchasing or renewing an insurance policy as well as when making a claim. But what if extraordinary circumstances prevent you from producing those documents?

Continue reading to learn everything there is to know about losing your license or getting an RC add-on.

How to claim insurance for bike without a driver’s license? Is it possible? This is one issue that is frequently asked. Yes, you can claim insurance without a driving license. However, the same cannot be said for a claim made without an RC. Because it all relies on the insurer’s T&Cs and circumstances, a claim can still be filed without an RC. The Loss of License or RC Add-on will help you in cases where you are unable to produce the DL and RC due to document loss or theft.

The DL of the rider must be shown when making a bike insurance claim to ensure a speedy settlement of the claim. The RC is just as significant throughout the claim process as a DL is. What happens if the two-wheeler sustains damage before it is registered? What if you do not have a DL because you do not ride a two-wheeler? If you have a comprehensive two- wheeler insurance policy, then it will protect you in these perilous circumstances.

What happens, though, if you are unable to provide your RC or driver’s license while making a bike insurance claim because you have lost them? The Loss of License or RC add-on can help you in this situation.

How to purchase RC add-on or loss of license for two-wheeler insurance?

An add-on is just an extra cover that broadens the extent of coverage for your bike insurance policy. In exchange for more coverage benefits for your two-wheeler, you must pay a little higher bike insurance premium if you choose to purchase a Loss of License or RC Add-on. You can purchase these add-ons offline or online if the insurer offers them. You may look up the various add-ons on the insurer’s website if you’re purchasing two-wheeler insurance online.

If the loss of DL or RC add-on is not listed on the insurer’s website, you can get in touch with them to ask about it. In situations where you lose your driver’s license smart card or your registration certificate smart card, the loss of DL or RC add-on will be useful.

The advantages of the Loss of License or RC Add-On for bike insurance are as follows:

  • You can submit a claim without a driver’s license or RC
  • The add-on will offer financial compensation for obtaining copies of DL or RC in the event of loss or theft
  • The add-on is available on most bike insurance policies for an extra payment
  • When you purchase Comprehensive online bike insurance, you can add the Loss of DL and RC add-on
  • Using the add-ons will be helpful for settling claims
  • Provides additional security for important documents like your driver’s license and vehicle registration certificate


Your driving license must always be valid. You must also add the Loss of Driving License add-on to your insurance policy to make sure that the loss of your license won’t prevent you from making claims.

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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