The policy number allows you to do the paperwork with the insurer, use its services and report claims. This is the case for any type of policy that you have contracted. How to find insurance policy number by vehicle number? There are different ways to look at it. In this post we tell you how you can do it.
The policy number as a unique identification code
When an insurance policy is taken out, be it a car, home or life policy, the insurer generates the official documentation proving ownership of the same, which also includes the rights and obligations of the insurance applicant and the company that provides the insurance. Service. This documentation must include the policy number.
What exactly is the policy number?
The insurance policy is the contract that binds the insured and the insurance company, a document that establishes the rights and obligations of both parties with respect to the insurance contracted. This policy reflects both the general and particular conditions, indicating the coverage and exceptions, as well as the detailed characteristics of the services that the insured exposes.
The policy number is an individual code that is applied to each insurance contract to differentiate it from the rest. In practice, it is a unique reference made up of numbers and letters that insurance companies assign to each insurance contract to identify it.
In Spain, for example, there are more than 32.5 million auto policies, according to INESE, which are added to the millions of policies corresponding to other insurance lines. This means that insurance companies need to have unique identification codes that allow them to combine practically infinitely so that duplication does not occur, both from the insurer and within it. As it is a unique code, this number makes it possible to unequivocally identify each policy.
Consequently, when a client renews the policy with the same insurance company, that identification code does not change, except for some change or extraordinary remuneration that the insurer must apply and of which it will inform the client, although it is not usual. However, if the client changes the insured entity or insurance contract, another policy number will be assigned.
Why is it important to know the insurance policy number?
Since the policy number is an individual code, something similar to a DNI within the insurer, the insured must provide it when they want to report a claim or use the coverage offered by the policy.
If you suffer a car accident and you want to fill out the friendly part, for example, both drivers will have to indicate their insurance policy numbers. It is also used to request medical attention from the health insurance and you will have to notify the Treasury if you request partial settlement of the inheritance tax on a life insurance of which you are a beneficiary.
This code allows the insurer to quickly locate the policy to verify the services to which it is obliged or check the limits of compensation. Therefore, it is essential to enforce the insurance contract and cover the damage.
Insurers also often ask for your policy number to respond to inquiries and provide specific information. This identification code can also be used to carry out procedures in the policy, introduce changes in the data, check its coverage or extend it. Being a unique and non-transferable number, it allows you to carry out all these procedures in a more agile and secure way.
For the cancellation of insurance, the policy number will also be necessary. In fact, when you want to cancel a policy, you must send an insurance cancellation letter, where this reference number must appear.
How to know my insurance policy number?
There are different ways to find out the insurance policy number:
The particular conditions of a policy are specific to each insurance contract, unlike the general conditions, which apply to all contracts signed between the insured and the insurer. Therefore, it does not matter what the type of insurance is, its form of contracting, coverage or company, there must be a contract where those particular conditions are reflected.
The particular conditions include the identification data of the insured, the premium to be paid, the insured capital and the policy number. Typically, the insurer sends these conditions by post or email a few days after signing the contract. Generally, the policy number is found on the first pages, together with your private data.
In some cases, depending on the insurer and the type of policy, this unique identification code could appear on the card provided by the company, something more common in health cards that accompany health insurance.
View the policy number on premium payment receipts
Whether you receive the correspondence from your bank by ordinary mail or access the client area to check the movements, on the insurance premium payment receipt you will also find the policy number.
If you access through online banking, it is likely that you will not be able to see it in the summary list of charges, the first screen that you usually see when you consult the bank’s website or application. You will have to open the charge to see the detail. Then you can view the receipt in digital format and the policy number.
Customer platform or mobile application of the insurance company
Large insurance companies have digitized the management of their insurance, so it is likely that you can access your client area through a username or ID and password. In this area you can manage all the procedures related to your policy, open incidents, pay premiums, consult coverage and, of course, find out what your policy number is.
Generally, the number of the insurance policy is found in the section where the main data is concentrated, such as the type of insurance, the date of contracting and the coverage contracted.
If the insurer has a mobile application for its clients, you can also check the policy number by entering your profile as an insured. Usually it is in a visible place so you can find it easily.
In addition, it is likely that in the email that the insurer sent you at the time of contracting, in which all the documentation is attached, the policy number will also appear along with the rest of the insurance information.
Insurance company customer service
If you prefer to use the phone, you can dial the customer service number of your insurance company so that they can provide you with the policy number. However, keep in mind that this is normally one of the data requested to verify the client’s identity, so it is likely that the insurer will activate a security protocol before providing you with this information, to prevent it from falling into the hands inadequate.
Each insurance company operates differently, but it is common to request other types of personal data to verify your identity, from the vehicle registration if it is a car insurance to the email provided at the time of contracting send you the policy number there.
Some insurers also provide customer service through chatbots or virtual assistants on their website. In that case, all you have to do is ask how to find out your insurance policy number and the assistant will guide you quickly and accurately.