The Bajaj Pulsar 125 is the entry point to one of India's most iconic motorcycle families — a 124.4cc air-cooled, single-cylinder commuter that delivers 11.8 bhp and 10.8 Nm of torque, combining Pulsar's signature sporty styling with everyday practicality. Under the Motor Vehicles Act 1988, valid insurance is mandatory for every bike on Indian roads, and with the Pulsar 125 priced between Rs. 89,910 and Rs. 92,046 (ex-showroom, Delhi), protecting your investment is straightforward and affordable with the right plan.
The Pulsar 125 was refreshed in January 2026 with LED headlamps and LED indicators, four new colour options, and updated graphics, while retaining its proven 124.4cc engine and 5-speed gearbox..
Third-Party Insurance (Mandatory) Third-party insurance is the minimum legal requirement for riding any two-wheeler on Indian public roads, including the Bajaj Pulsar 125. It covers financial liability for bodily injury, death, or property damage caused to a third party in an accident involving your bike — up to Rs. 7.5 lakh for property damage and unlimited liability for injury or death. It provides no protection for your Pulsar 125 itself: an accident that damages your bike, theft from an unattended parking spot, or fire damage during a short circuit — none of these are covered under a standalone third-party plan. For a bike you rely on daily, third-party-only cover leaves a significant financial gap.
Comprehensive Insurance (Recommended) A comprehensive policy gives the Bajaj Pulsar 125 full protection — combining own damage (OD) cover with mandatory third-party liability. It covers accidental damage from collisions, theft, fire, natural calamities including monsoon floods and cyclones, and in-transit damage. For a daily commuter like the Pulsar 125 that navigates city traffic, potholed roads, and monsoon-affected routes, comprehensive insurance ensures a single claim does not translate into a large out-of-pocket expense. It also unlocks add-ons like zero depreciation and engine protection that make claims smoother and more complete.
Standalone Own Damage (OD) Policy Following IRDAI regulatory changes in September 2019, Pulsar 125 owners can purchase a Standalone Own Damage policy separately from their third-party insurance. This is particularly useful if you already hold a valid long-term third-party policy (typically issued for 5 years at the time of new bike purchase) and want to shop for the best OD deal from a different insurer at renewal. It provides coverage against accidental damage, theft, and natural calamities for your Pulsar 125 without duplicating your TP cover.
How Much Does Bajaj Pulsar 125 Insurance Cost in India?
The Bajaj Pulsar 125, with its 124.4cc engine, falls under IRDAI's 'up to 150cc' two-wheeler bracket for third-party premium calculation — the most affordable TP slab in the motor insurance classification. The annual TP premium for this bracket is Rs. 714 (excluding GST) as per the current IRDAI-notified rate. The final insurance cost for your Pulsar 125 depends on several variables: the bike's age and current IDV, your city of registration (Zone A or Zone B), the type of coverage chosen (TP-only or comprehensive), your accumulated No Claim Bonus, the add-ons you select, and your claim history.
IRDAI Third-Party Premium Slab for Bajaj Pulsar 125
Bike Engine Capacity
Annual Third-Party Premium
Up to 150cc
Rs. 714
Source: IRDAI motor TP premium notification and industry implementation of IRDAI-notified rates.
New Bike Long-Term Third-Party Premium
New Bike Category
5-Year TP Premium
New two-wheelers up to 150cc
Rs. 2,901
Estimated Insurance Cost by Bike Age
Bike Age
Approx IDV Range
Estimated Comprehensive Premium
Brand New
Rs. 89,910 and Rs. 92,046 (ex-showroom, Delhi)
Rs. 2,800 – Rs. 4,500
1 Year Old
Rs. 73,100 – Rs. 84,150
Rs. 2,300 – Rs. 3,700
3 Years Old
Rs. 51,600 – Rs. 59,400
Rs. 1,700 – Rs. 2,700
5+ Years Old
Rs. 34,400 – Rs. 39,600
Rs. 1,200 – Rs. 2,000
IDV Depreciation Schedule (IRDAI Standard)
Bike Age
Standard Depreciation
Less than 6 months
5%
6 months to 1 year
15%
1 to 2 years
20%
2 to 3 years
30%
3 to 4 years
40%
4 to 5 years
50%
Bajaj Pulsar 125 Insurance Premium by City
City
Insurance Zone
Estimated Premium Range
Chennai
Zone A
Rs. 3,200 – Rs. 4,800
Mumbai
Zone A
Rs. 3,400 – Rs. 5,000
Delhi
Zone A
Rs. 3,300 – Rs. 4,900
Bengaluru
Zone A
Rs. 3,200 – Rs. 4,800
Hyderabad
Zone A
Rs. 3,000 – Rs. 4,500
Jaipur
Zone B
Rs. 2,400 – Rs. 3,600
Coimbatore
Zone B
Rs. 2,300 – Rs. 3,400
Zone classification guidance comes from the IRDAI Motor Insurance Handbook.
Popular Bajaj Bike Models with Bike Insurance Price
Bike Models
Zero Dep Cover* (Add-on)
Est. Bike Insurance* (1+5 Bundled)
Bajaj CT110X (110cc)
Rs. 180
Rs. 2,601
Bajaj Platina 110 (110cc)
Rs. 190
Rs. 2,700
Bajaj Pulsar N160 (160cc)
Rs. 280
Rs. 5,200
Bajaj Pulsar 220F (220cc)
Rs. 320
Rs. 6,800
Bajaj Pulsar N250 (249.5cc)
Rs. 360
Rs. 7,200
Bajaj Dominar 400 (373cc)
Rs. 520
Rs. 13,500
Bajaj Pulsar NS400Z (373cc)
Rs. 540
Rs. 14,200
Disclaimer: Bajaj bike insurance premium varies from insurer to insurer and depends on factors such as registration year, location, IDV, add-on cover, make, model, variant and ex-showroom price. Figures shown are indicative estimates based on 2024–25 registration and IRDAI guidelines.
How to Calculate Bajaj Pulsar 125 Insurance Premium Online
The comprehensive insurance premium for your Pulsar 125 is driven primarily by its IDV — the current market value set by the insurer using the ex-showroom price and IRDAI's depreciation schedule. For a new Pulsar 125, IDV starts at approximately Rs. 89,910 and Rs. 92,046 (ex-showroom, Delhi) depending on the variant (Neon Single Seat, Carbon Fibre Disc, Split Seat). As the bike ages, IDV reduces per the IRDAI schedule — 20% in year one, 30% by year three, and 50% by year five — bringing down both the comprehensive premium and the maximum claim payout.
Beyond IDV, the final premium reflects your city of registration (Zone A metros attract higher rates), the add-ons selected, and any NCB discount accumulated — starting at 20% after the first claim-free year and rising to 50% after five consecutive claim-free years. The Pulsar 125's 124.4cc engine sits in the lowest IRDAI TP bracket (Rs. 714/year), making its overall insurance the most affordable in the Pulsar family. Use SMC Insurance's comparison tool at smcinsurance.com to get live quotes from 20+ insurers for your specific Pulsar 125 variant and registration city.
What Is Covered And Not Covered Under Bajaj Pulsar 125 Bike Insurance
Accidental damage to your Pulsar 125 from collisions, overturning, or road accidents
Theft or total loss of the Pulsar 125, including damage from an attempted theft
Fire damage caused by self-ignition, lightning, explosion, or arson
Zero Depreciation Cover When the Pulsar 125 is involved in an accident, insurers apply depreciation to every replaced part — plastic body panels attract 50% depreciation and rubber components face similar deductions. On a budget-segment bike where parts are affordable but a claim can still leave you short, zero depreciation cover ensures you receive the full replacement cost of every part without any deduction. Strongly recommended for Pulsar 125 bikes under 5 years old and especially for daily commuters where minor scrapes and panel damage are a realistic possibility. The 2026 Pulsar 125 now features LED headlamps and LED indicators, which are more expensive to replace than the halogen units on older bikes. This makes Zero Depreciation cover even more relevant for 2026-onwards bikes, as LED assemblies attract significant depreciation deductions under standard claim settlement.
Engine and Gearbox ProtectionThe Pulsar 125's 124.4cc air-cooled engine is reliable and well-proven, but standard comprehensive policies exclude damage caused by water ingress or oil leakage — scenarios that are all too common during India's monsoon season. If the engine suffers hydrostatic lock after riding through waterlogged city roads, the repair cost falls entirely on you without this add-on. Engine and Gearbox Protection covers these specific scenarios and is advisable for Pulsar 125 owners who commute year-round through monsoon-prone cities like Chennai, Mumbai, or Kolkata.
Roadside Assistance (RSA)A flat tyre, a dead battery, or running out of fuel mid-commute — small incidents that can disrupt your entire day when you depend on your Pulsar 125 for daily transportation. RSA provides 24x7 support including towing, flat tyre assistance, fuel delivery, and battery jump-start. For an entry-level commuter ridden daily across city roads, RSA is one of the most practical add-ons and is typically available at a very modest premium on the Pulsar 125.
Return to Invoice (RTI)In the event of theft or total loss, standard insurance pays only the depreciated IDV of your Pulsar 125 — which can be significantly lower than what you originally paid, including registration and road tax. Return to Invoice cover ensures you receive the full original invoice amount. For a new Pulsar 125, the difference between IDV and on-road price can easily exceed Rs. 10,000–Rs. 15,000, making RTI a worthwhile inclusion in the first 2–3 years of ownership.
Consumables CoverAfter any accident involving the Pulsar 125, consumables like engine oil, brake fluid, nuts, bolts, and grease need replacement — costs that fall outside the scope of a standard claim. While these amounts are modest on an entry-level bike, they add up, especially after an incident requiring panel replacement or brake component repair. Consumables Cover ensures these costs are reimbursed as part of your settlement, making it a practical and affordable inclusion for the Pulsar 125.
Tyre ProtectionThe Bajaj Pulsar 125 rides on 80/100-17 front and 100/90-17 rear tyres — standard commuter rubber that sees heavy use on Indian city roads. Tyre damage from potholes, sharp debris, or kerb impact is not covered under a standard policy. The Tyre Protection add-on covers repair or replacement of tyres and tubes damaged by accidental external means, providing a useful safety net for a bike that navigates urban roads daily.
How to Buy Bajaj Pulsar 125 Bike Insurance Online from SMC Insurance
Step 1
Visit smcinsurance.com and navigate to the Two Wheeler Insurance section
Step 2
Enter your Pulsar 125 registration number or manually select make, model, and variant details
Step 3
View and compare live quotes from 20+ insurers side by side — review coverage, IDV, add-ons, and premium for each plan
Step 4
Select your preferred plan — Third-Party or Comprehensive — and choose add-ons suited to your daily commuting needs
Step 5
Fill in your personal details accurately and make secure online payment
Step 6
Receive your Pulsar 125 policy document electronically on email immediately after payment confirmation
How to Renew Bajaj Pulsar 125 Bike Insurance Online
Go to smcinsurance.com and open the Bike Insurance section
Enter your existing Pulsar 125 policy number or bike registration number to pull up your current policy details
Review your current coverage and compare renewal options from multiple insurers for better rates or improved coverage
Apply your earned No Claim Bonus (NCB) — up to 50% discount if you have five or more consecutive claim-free years on your Pulsar 125
Pay online and receive your renewed policy instantly — no physical inspection required if renewed before the existing policy's expiry date
Bajaj Pulsar 125 Insurance Claim Process
In Case of Accident or Theft
Inform your insurer or the SMC Insurance helpline within 24–48 hours of the incident involving your Pulsar 125
File an FIR at the nearest police station — mandatory for theft, total loss, and third-party bodily injury or death claims
Photograph all visible damage to the Pulsar 125 from multiple angles and preserve the bike as-is until the surveyor inspects it
Get a repair estimate from an authorised Bajaj service centre or an insurer-approved network garage
Submit required documents and choose cashless repair at a network garage or opt for reimbursement after paying the repair bill yourself
Documents Required for Claim
Vehicle Registration Certificate (RC copy) of your Bajaj Pulsar 125
Valid two-wheeler driving licence of the rider at the time of the incident
Original Pulsar 125 insurance policy document
FIR copy — for theft, total loss, or third-party injury and death claims
Repair bills and payment receipts (required for reimbursement claims)
Photographs of the damaged Pulsar 125 taken at or near the accident site
Why Buy Bajaj Pulsar 125 Insurance from SMC Insurance
SMC Insurance is one of India's trusted motor insurance aggregators, offering instant online comparison across 20+ leading insurers. We provide dedicated two-wheeler insurance support, transparent pricing, zero hidden charges, and a seamless digital claims assistance process. Our expert team ensures you get the right cover for your Bajaj Pulsar 125 at the best available premium. With access to over 5,000 cashless network garages across India — including authorised Bajaj dealerships — your claim is handled quickly and efficiently wherever you are.
Cashless vs Reimbursement Claims for Pulsar 125 Insurance
With a cashless claim, you take your Bajaj Pulsar 125 to one of the insurer's 5,000+ network garages (including authorised Bajaj service centres), and the insurer settles the repair bill directly with the garage. You only pay the compulsory deductible — the faster, more convenient option for a daily commuter you need back on the road quickly. With a reimbursement claim, you pay the full repair bill upfront at any garage of your choice and submit documents to the insurer for reimbursement. SMC Insurance can help you locate the nearest network garage in your city.
Bike Insurance Terms You Should Know
IDV (Insured Declared Value)
The current market value of your Bajaj Pulsar 125, set by the insurer based on the ex-showroom price and IRDAI's age-based depreciation schedule. For a new Pulsar 125, IDV is approximately Rs. 89,910 and Rs. 92,046 (ex-showroom, Delhi), depending on variant. IDV reduces each year per IRDAI norms and represents the maximum amount you receive in case of theft or total loss. Do not under-declare the IDV just to reduce your annual premium — a lower IDV means a lower payout when you need it most.
NCB (No Claim Bonus)
A discount of 20–50% on your OD renewal premium for every year you do not make a claim. NCB starts at 20% after the first claim-free year and rises to 50% after five consecutive claim-free years. It is earned on the policy, not the bike, and is transferable between insurers. The NCB Protection add-on allows one claim per policy year without forfeiting your accumulated bonus — available through SMC Insurance.
Zero Depreciation
An add-on that waives all depreciation deductions from claim payouts, ensuring you receive the full replacement cost of every part. Most valuable for Pulsar 125 bikes under 5 years old, where body panels, plastic components, and rubber parts attract 30–50% depreciation under standard settlement terms.
Deductible
The portion of the claim amount borne by the policyholder. The compulsory deductible for the Bajaj Pulsar 125 is Rs. 50 per claim (applicable to bikes up to 150cc as per prevailing motor tariff practice). In addition, you can opt for a voluntary deductible to reduce your OD premium — but this means a higher out-of-pocket cost at claim time.
Endorsement
A written amendment to your existing Pulsar 125 insurance policy used to update details such as registered address, ownership change after resale, addition of declared accessories, or nominee changes. Always endorse any accessories — custom panels, LED upgrades, or touring add-ons — on your policy to ensure they are covered in a claim.
PA Cover (Personal Accident)
Mandatory Rs. 15 lakh cover for the owner-rider against accidental death or permanent total disability, required by IRDAI for all two-wheeler policies since January 2019. If you already hold a standalone PA policy of Rs. 15 lakh or more, you may opt out of the bundled PA cover and save on premium.
Important IRDAI Rules Applicable to Bajaj Pulsar 125 Insurance
Third-party insurance is mandatory for all motorcycles ridden on public roads in India
New two-wheelers are generally sold with a mandatory long-term 5-year third-party insurance cover at the time of purchase
Owner-driver Personal Accident (PA) cover of Rs. 15 lakh is mandatory unless the rider already holds an eligible standalone PA policy of equivalent or higher value
Standalone Own Damage (OD) policies can be purchased separately from third-party insurance, giving Pulsar 125 owners flexibility to choose different insurers for TP and OD cover
NCB benefits are transferable between insurers and are typically retained for up to 90 days after policy expiry, subject to insurer rules
Summing Up,
For the Bajaj Pulsar 125 — India's entry-level Pulsar with a proven 124.4cc air-cooled engine and a daily commuter owner profile — comprehensive insurance with Zero Depreciation and Engine and Gearbox Protection is the most sensible cover combination. Given the bike's daily use on city roads, pothole-riddled streets, and monsoon-prone urban environments, these add-ons provide the most practical protection at a premium that remains minimal for this price bracket. Add Roadside Assistance if you rely on the Pulsar 125 for critical daily commuting and cannot afford unexpected downtime. Compare and buy on smcinsurance.com for the best available rates across 20+ insurers.
Disclaimer:The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.
All views and analyses presented are based on publicly available data, internal research, and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product’s performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents, and disclosures before proceeding with any purchase or commitment.
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The most affordable legally valid option is a standalone third-party policy. The annual TP premium for the Pulsar 125's up-to-150cc bracket is Rs. 714 (excluding GST) as per the current IRDAI-notified rate — one of the lowest in the two-wheeler segment. However, it provides zero protection for your Pulsar 125 itself. Given the bike's daily use for commuting, comprehensive insurance is strongly recommended for complete financial protection at a premium that remains affordable for this segment.
IDV (Insured Declared Value) is the current market value of your Bajaj Pulsar 125, calculated by the insurer as the ex-showroom price minus IRDAI depreciation based on the bike's age. For a new Pulsar 125, IDV is approximately Rs. 89,910 and Rs. 92,046 (ex-showroom, Delhi). IDV is the maximum amount paid in case of theft or total loss — never under-declare it to save on premium, as a lower IDV directly reduces your payout in a worst-case scenario.
Yes. Comprehensive insurance is available for older Bajaj Pulsar 125 bikes, though the IDV will reflect the current depreciated market value and Zero Depreciation may not be available after 5 years. Third-party insurance remains mandatory regardless of the bike's age. Compare options on smcinsurance.com to find the best plan for your specific Pulsar 125 year and variant.
Yes. Zone A metro cities — Delhi, Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Pune, and Ahmedabad — attract higher premiums than Zone B cities due to elevated accident frequency and theft rates. The Pulsar 125 is a popular commuter in dense urban environments, making city-specific comparison on smcinsurance.com useful for finding the best rate at your location.
Vehicle age does not affect your right to file or receive a claim — each claim is assessed on its own merits, circumstances, and documentation. However, age affects the depreciation applied to replaced parts during settlement. Older Pulsar 125 bikes attract higher depreciation on plastic, rubber, and metal components, which reduces the net payout. The Zero Depreciation add-on eliminates these deductions for bikes under 5 years old.
Yes, especially for bikes under 5 years old and ridden daily in city traffic. Body panels, indicators, mirrors, and the fairing of the Pulsar 125 are vulnerable to minor scrapes during everyday commuting. Standard claims apply 50% depreciation on plastic parts, which can meaningfully reduce the net payout even on relatively minor repairs. Zero dep ensures full replacement cost is covered — and the add-on premium on a budget bike like the Pulsar 125 is very modest.
An expired policy means your Pulsar 125 is uninsured and illegal to ride on public roads, exposing you to fines and full financial liability for any accident. If the policy lapses beyond 90 days, you will likely forfeit accumulated NCB and may need a physical inspection before comprehensive cover is reinstated. Always renew at least 2 weeks before expiry to avoid any gap in coverage.
Yes. The insurance policy transfers to the new owner via an endorsement reflecting the ownership change, typically within 14 days of the RC transfer. As the seller, your NCB stays with you and can be carried forward to a new policy within 90 days via an NCB Retention Letter from your insurer. The new Pulsar 125 owner starts fresh with no NCB.
The IRDAI-notified annual TP rate for the Pulsar 125's up-to-150cc bracket is Rs. 714 (excluding GST) — the most affordable TP slab in two-wheeler insurance. For comprehensive cover, the total premium depends on your bike's IDV, city of registration, add-ons, and NCB. Use smcinsurance.com to compare live quotes from 20+ insurers for your specific Pulsar 125 variant and registration city.
Yes. Newer Pulsar 125 variants with higher ex-showroom prices carry a higher IDV, which increases the OD component of the comprehensive premium. The 2026 Pulsar 125 with LED headlamps and disc brakes commands a marginally higher IDV than older base variants. However, newer models also benefit from a higher payout in theft or total loss scenarios, making the slightly higher premium proportionate.
Yes. Comprehensive cover is available for older Pulsar 125 bikes, though Zero Depreciation may not be offered after 5 years by all insurers. IDV will reflect the current depreciated market value, and the overall premium will be lower. Compare options on smcinsurance.com to find the best plan for your specific older Pulsar 125.
Yes, but all modifications must be declared to the insurer at policy purchase or renewal. Undeclared modifications — including aftermarket exhausts, custom panels, or engine modifications — can lead to claim rejection. Any accessories fitted to the Pulsar 125 after purchase should be specifically endorsed on the policy, with an additional premium assessed based on their declared value.
Yes. A valid Indian motor insurance policy provides pan-India coverage across all states and union territories. Third-party claims can be filed regardless of the state where the accident occurred, and SMC's network of 5,000+ cashless garages ensures repair support is accessible wherever you ride your Pulsar 125. Coverage excludes only incidents occurring outside India's borders.
Inform your insurer or the SMC helpline within 24–48 hours of the incident. Photograph all visible damage and preserve the Pulsar 125 as-is until the surveyor inspects it. File an FIR if a third party is injured or if the bike is stolen. Submit required documents and choose cashless repair at a network garage or reimbursement after paying yourself. SMC's claims team is available to guide you through every step.
Cashless claims at network garages are typically settled within 3–7 working days from surveyor approval. Reimbursement claims take 7–15 working days after complete documentation is submitted. Theft claims may take 30–90 days pending police investigation and a Non-Traceable Certificate. Straightforward own-damage claims at authorised Bajaj service centres within the insurer's network are generally resolved within a week.
For cashless claims, the Pulsar 125 must go to a network garage within the insurer's authorised list — which includes most authorised Bajaj dealerships. For reimbursement claims, you can use any garage of your choice, pay upfront, and submit original bills to the insurer. SMC Insurance provides access to 5,000+ network garages and can help you locate the nearest one.
Delayed intimation beyond the 24–48 hour window specified in your policy can lead to claim rejection or a reduced settlement. Inform your insurer as soon as possible after any incident involving your Pulsar 125. If you are hospitalised or otherwise unable to act, a family member can file the intimation. Save the SMC helpline number before every ride.
Yes. Under comprehensive insurance, own damage to your Pulsar 125 is covered regardless of fault. You can simultaneously file a third-party claim against the at-fault vehicle's insurer. Third-party property damage is covered up to Rs. 7.5 lakh. Filing through your own comprehensive policy is generally the faster route to getting your Pulsar 125 repaired.
No. An FIR is mandatory only for theft, total loss, and third-party bodily injury or death claims. For minor own-damage incidents — a parking scrape or a tip-over — an FIR is generally not required. A General Diary (GD) entry may be needed by some insurers. Always verify your specific policy terms and file promptly when an FIR is required.
Yes, at minimum for mandatory third-party insurance. For older Pulsar 125 bikes where the IDV is low, comprehensive premiums are also minimal — making it cost-effective to maintain full cover. The Pulsar 125 holds reasonable second-hand value, making theft protection worthwhile even on older bikes. SMC Insurance can help compare options for your specific older Pulsar 125.
Standard comprehensive policies exclude hydrostatic lock — engine damage caused by water ingress while riding through flooded roads. The Pulsar 125's air-cooled engine is particularly vulnerable if water enters the intake during monsoon waterlogging. The Engine and Gearbox Protection add-on specifically covers this scenario and is strongly recommended for Pulsar 125 owners who commute through flood-prone cities like Chennai, Mumbai, or Kolkata during the monsoon season.
External flood damage — to the body, electricals, instrument cluster, and frame of your Pulsar 125 — is covered under a standard comprehensive policy as a natural calamity. However, internal engine damage from water ingress (hydrostatic lock) requires the Engine and Gearbox Protection add-on. Both types of damage are common during Chennai and Mumbai monsoon seasons, making comprehensive cover with the engine add-on advisable for Pulsar 125 commuters in these cities.
No. Standard comprehensive insurance for private use covers the Pulsar 125 for all normal commuting, weekend rides, and leisure trips across India. Coverage excludes only commercial use — delivery, hire, or rental. All daily commuting incidents are fully within the scope of a standard policy, making comprehensive insurance the ideal choice for a bike used this way.
Yes. Use your Pulsar 125's registration number on smcinsurance.com to retrieve renewal quotes without the original policy document. The previous insurer is obligated to issue a duplicate on request, and your policy details are accessible via VAHAN or DigiLocker using your RC number. If switching insurers at renewal, obtain your NCB Retention Letter before purchasing the new policy.
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