Can You Claim Car Insurance with a Temporary Registration Number?

When you buy a car, you get a temporary vehicle registration number that you can use to purchase a car insurance policy. But what happens if your newly bought car with a temporary registration number meets with an accident? Will you be compensated for the damages to your car? Read on to find the answer.

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Significance of Temporary Vehicle Registration Number

Before jumping into the car insurance claim process for a newly bought car, you must know the importance of a temporary vehicle registration number. A temporary registration number of your car gives you the authority to legally drive the vehicle on the road.

Besides, issuing a permanent registration number takes a considerable period. Therefore, you are required to have a temporary car registration number that is issued by your car dealer and is valid for one month. During this period, you must get your car registered with the nearest Regional Transport Office (RTO) and get the permanent registration number issued as soon as possible.

Can You Raise Car Insurance Claims with a Temporary Car Registration Number?

Yes, you can raise a car insurance claim with a temporary registration number. Your insurance company will compensate you for the damages sustained by your four wheeler even if you do not have a permanent car number. All you need to do is follow the claim process and submit the required documents.

Besides, a car insurance policy for a newly bought car is issued based on the chassis number and engine number. When you get the permanent registration number for your car, your respective insurer will connect with you to update the number in their records. Your insurer may connect with you in two ways that are explained below-

1. The insurer will ask for the car registration number and update it in their records through feedback, welcome, service or endorsement call.
2. The insurer will connect with you at the time of policy renewal and ask for your permanent registration number. Remember that it is mandatory to provide them with your permanent vehicle registration number to get your policy renewed.

Process of Car Insurance Claim with a Temporary Registration Number

The claim process for a car with a temporary registration number is similar to the car with a permanent registration number. Your insurer will ask for the engine and chassis number of your car to update their system and make the claim process easy.

The process of raising car insurance claims involves a few steps. Here are the steps that you need to follow to raise a claim under your car insurance online with a temporary registration number-

1. Intimate Your Insurer

   The first step in the claim process is to intimate your insurer about the mishap and provide them with all the information about the damages. They will ask you for the temporary registration number given by your dealer. Be transparent with your insurer while providing the details of the incident. Wrong or fabricated information increases the chances of claim rejection.

2. Fill and Submit the Claim Form

   Your insurer will ask you to download the claim form from their website or mobile application and submit it to raise a claim under your car insurance policy. Fill in the form properly, attach the required documents and submit the form. In case of offline mode, you can visit the nearest branch office of the insurance company or ask your agent to help you with the claim form.

3. Assessment & Evaluation

   Your insurer will designate a surveyor to evaluate the losses and damages to your car. An assessment report is prepared by the surveyor based on which your insurer will accept or reject your claim.

4. Get Your Car Repaired

   Once the insurer approves your claim, you need to send your car for repair. In case of a cashless claim settlement process, your car will be towed to the nearest network garage for fixing all the damages. After it has been repaired, you can take your car home from the garage without paying the bills as it will be settled by your insurer.

   In case of a reimbursement claim, you will have to take your car to a non-approved garage and settle the bill after the damages have been fixed. Then, you will be required to send all the bills to the insurer. Once your documents have been verified, the insurance company will reimburse the claim amount to your bank account.

Final Words

Every car is granted a temporary registration number when it is bought. If your car meets with an accident while you are still waiting for a permanent registration number, you can get compensated for all the damages & losses as long as your car is insured. Therefore, you must buy a car insurance policy the moment your car leaves the showroom. However, make sure to follow the car insurance claim process to get your losses covered. Remember to raise the claim on time and submit the required documents to get your claim approved.