How to Add Insurance Policy to DigiLocker: A Step-by-Step Guide

August 23, 2026

In today’s rapidly digitizing world, carrying physical copies of important documents is quickly becoming a thing of the past. For Indian policyholders, managing life, health, and motor insurance papers can be a cumbersome task, often leading to worries about damage, misplacement, or theft. Fortunately, the Government of India provides a highly secure and legally backed solution through DigiLocker. Knowing how to add insurance policy to DigiLocker not only simplifies your document management but also ensures that you are always prepared for official verifications, especially while driving on Indian roads.

DigiLocker is a cloud-based document storage and verification platform owned and managed by the Ministry of Electronics and Information Technology (MeitY), Government of India. Under Rule 9A of the Information Technology (Preservation and Retention of Information by Intermediaries providing Digital Locker facilities) Rules, 2016 (notified on February 8, 2017), documents pulled directly into DigiLocker from official issuers are deemed legally “at par with original physical documents.” This means your digital insurance policy carries the exact same legal weight as the physical paper issued by your insurance provider.

Prerequisites for Adding Your Insurance Policy to DigiLocker

Before you begin the process of linking your insurance policies to your DigiLocker account, it is essential to understand the eligibility criteria, account requirements, and cost structure. Meeting these prerequisites beforehand will ensure a smooth, error-free integration process.

Citizenship and Mobile Requirement: You must be an Indian citizen possessing an active mobile number.
NRI Restrictions: Non-Resident Indians (NRIs) cannot register for DigiLocker using international or foreign mobile numbers. Only active Indian mobile numbers are permitted for account creation and verification.
Aadhaar Linking: To unlock the full suite of features—specifically the ability to automatically fetch officially issued documents from partner databases—your DigiLocker account must be linked to your Aadhaar card. This Aadhaar card must be connected to an active mobile number capable of receiving One-Time Passwords (OTPs) for secure authentication.
Zero Service Costs: Signing up for DigiLocker, storing your documents, fetching policies from insurers, and sharing them with authorities is 100% free. There are absolutely no hidden fees, subscription costs, or transaction charges associated with using the platform.

Documents and Details You Will Need

To successfully fetch and link your insurance policy, keep the following details handy. Any mismatch between the information entered in DigiLocker and the records held by your insurance provider will result in a retrieval failure.

Aadhaar Card Number: Required for secure login, identity verification, and profile synchronization.
Policy Number: This unique identifier can be found on the physical copy of your policy schedule or within the welcome email sent by your insurer.
Full Name: Your name must match the spelling on your insurance record exactly.
Date of Birth: This must be identical to the date of birth registered with both Aadhaar and your insurance provider.
Additional Issuer-Specific Details: Depending on your specific insurance provider, you may need to input additional details. For example, if you are fetching a policy from United India Insurance Company Limited (UIIC), the platform will require your Policy Number, Policy Effective Date, and Customer ID to complete the verification.

Step-by-Step Guide to Add Your Insurance Policy to DigiLocker

There are two primary methods to add your insurance policy to DigiLocker. Method A is the recommended approach, as it fetches a digitally signed, legally recognized copy directly from your insurer’s database into your “Issued Documents” section. Method B serves as an alternative backup, allowing you to manually upload scanned copies of your policies if your insurance provider is not yet integrated with the DigiLocker ecosystem.

Method A: Fetching Your Policy Directly from the Insurer (Recommended)

This method establishes a direct link with your insurance provider, pulling a verified digital document that features a secure QR code for instant verification.

Log In to Your Account: Visit the official DigiLocker website at https://digilocker.gov.in or open the official DigiLocker mobile application on your smartphone. Log in using your registered mobile number, username, or Aadhaar number. Enter your 6-digit security PIN and the OTP sent to your registered mobile number to complete the secure login.
Navigate to the Search Section: Once on the main dashboard, locate and click on the search icon or search bar. Alternatively, you can browse categories and select the “Banking, Financial Services and Insurance” tab.
Select Your Insurance Provider: In the search bar, type the name of your insurance company (for example, Life Insurance Corporation of India (LIC), SBI Life, Bajaj Allianz, Acko, or United India Insurance) and select your respective insurer from the dropdown list.
Choose the Policy Type: Select the specific type of policy you wish to link. The available options typically include Life Insurance Policy, Motor Insurance Policy (for cars or two-wheelers), or Health Insurance Policy.
Enter Policy Details and Provide Consent: Fill in the mandatory fields, including your Policy Number and Date of Birth. If prompted by specific insurers, provide additional details such as a customer ID or policy effective date. Check the consent box to authorize DigiLocker to fetch the document from the issuer’s database.
Get the Document: Click on the “Get Document” button. DigiLocker will query the insurer’s database in real-time. Once verified, the digitally signed policy document will be retrieved and permanently saved under your “Issued Documents” section for instant access.

Method B: Manually Uploading Your Policy Document

If your insurance company is not currently listed as an active partner on DigiLocker, you can still store a digital copy of your policy in your personal cloud storage space.

Access Your Account: Log into your DigiLocker account via the app or web portal.
Go to Uploaded Documents: Click on the “Uploaded Documents” option located in the sidebar menu or dashboard.
Initiate Upload: Click on the “Upload” button.
Select the File: Choose the scanned PDF or image file of your insurance policy from your local computer or mobile storage.
Label and Save: Give the uploaded file a clear, descriptive title (such as “Car Insurance Policy – [Your Policy Number]”) and click save to secure it in your cloud storage.

Key Benefits of Storing Your Insurance Policy in DigiLocker

Utilizing DigiLocker for your insurance policies offers several distinct advantages that go far beyond simple digital storage. It provides legal protection, convenience, and peace of mind.

Nationwide Legal Acceptance: Under Rule 139 of the Central Motor Vehicles Rules (CMVR), 1989 (amended via Notification G.S.R. 1081 (E) on November 2, 2018), electronic insurance policies and registration certificates presented live via the DigiLocker app are legally valid. Traffic police and transport authorities across India are mandated to accept them during routine checks.
Zero Risk of Physical Loss: Storing your documents in secure cloud storage completely eliminates the risk of physical wear and tear, water damage, or losing original papers while traveling.
Instant Verification: Documents fetched via Method A contain a cryptographic digital signature and a secure QR code. This allows law enforcement officers or verifying authorities to scan and verify the authenticity of your policy in real-time without needing physical papers.
Expedited Claims and KYC: Having your verified insurance policies linked directly to your Aadhaar-verified DigiLocker account simplifies claim procedures and Know Your Customer (KYC) processes, as financial institutions can fetch verified records directly from the database.
Generous Free Cloud Space: Every registered citizen receives 1 GB of secure, free cloud storage space to upload personal documents, including scanned copies of unintegrated insurance policies, certificates, and identity cards.

Important Guidelines, Security, and Warnings

To ensure a seamless experience and safeguard your personal data, it is crucial to adhere to official guidelines and remain vigilant against security risks.

Strict Name and DOB Match: The full name and date of birth on your Aadhaar card must match the records on your insurance policy exactly. Even a minor spelling mismatch or spacing error can cause the insurer’s database to return a “No record found” or retrieval error. If a mismatch exists, you must correct your details with the Unique Identification Authority of India (UIDAI) or your insurer first.
Live App Access Required: When presenting your motor insurance policy to traffic police at a checkpoint, you must open the document live inside the official DigiLocker app. Screenshots, photo gallery images, or standard PDFs saved locally on your phone do not hold the same legal status because they lack a live-verifiable QR code and can be easily manipulated.
Avoid Fraudulent Applications: Always download the official DigiLocker app from the authorized Google Play Store for Android or the Apple App Store for iOS. Avoid installing third-party applications claiming to offer DigiLocker services, as these are unauthorized and pose a severe risk of data theft and identity fraud.
Single Account Limit: A single mobile number that is not linked to an Aadhaar card can only support one DigiLocker account. To manage multiple profiles or access full features, individual Aadhaar linking is required.
Username Restrictions: The unique username you create during your initial sign-up process is permanent and cannot be changed later. Choose a professional and memorable username.
Robust Security Standards: DigiLocker relies on secure 256-bit SSL encryption to protect your data during transmission. Furthermore, the platform undergoes regular, stringent security audits by the Indian Computer Emergency Response Team (CERT-IN) to ensure that your financial data and personal identity profiles remain completely safeguarded against cyber threats.

Frequently Asked Questions

Can traffic police refuse a digital car insurance policy shown on DigiLocker?

No, traffic police cannot refuse a digital car insurance policy shown on DigiLocker. According to the Ministry of Road Transport and Highways (MoRTH) advisory and Rule 139 of the Central Motor Vehicles Rules, 1989, authorities are legally required to accept digital documents displayed live on DigiLocker or mParivahan. However, please note that static screenshots or gallery images are not legally valid and can be rejected.

What should I do if my insurance company is not listed on DigiLocker?

If your insurance provider is not yet integrated with the DigiLocker platform, you cannot use the automatic fetch feature (Method A). Instead, you can manually upload a scanned PDF copy of your policy document into the “Uploaded Documents” section (Method B), which provides up to 1 GB of free secure storage.

Is there a limit on how many insurance policies I can link?

There is no restriction on the number of insurance policies you can link or fetch in DigiLocker. You can add multiple life, health, and motor insurance policies, provided the personal details on the policies match your Aadhaar-verified identity profile.

Can I modify my name or date of birth on DigiLocker?

No, you cannot manually edit your profile name or date of birth inside the DigiLocker application. Your profile details are automatically synchronized with your Aadhaar card. If there is an error, you must first update your details officially through the UIDAI portal or an Aadhaar enrollment center.

Conclusion

Adding your insurance policy to DigiLocker is a straightforward, secure, and entirely free process that offers immense practical and legal benefits. By transitioning to digital documents, you eliminate the risk of losing physical papers, simplify the verification process during traffic stops, and ensure that your essential health, life, and motor policies are always within reach. Take a few minutes today to link your active policies to DigiLocker and enjoy a hassle-free, legally compliant digital experience on Indian roads.