The policy number allows you to do the paperwork with the insurer, use their services and report claims. This is true for any type of policy you have contracted. How can I find out my insurance policy 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 insurance is contracted, whether it is a car, home or life policy, the insurer generates the official documentation that proves ownership of it , which also includes the rights and obligations of the insurance applicant and the company that provides the insurance. service. The policy number must appear on this documentation .
What exactly is the policy number?
The insurance policy is the contract between the insured and the insurance company , a document that establishes the rights and obligations of both parties regarding the contracted insurance. 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 insurer will offer.
The insurance 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 car 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 provide them with practically infinite combinations so that duplication does not occur, both within the insurer and outside it. Being an exclusive code, this number allows each policy to be unequivocally identified .
Therefore, when a client renews the policy with the same insurance company, that identification code does not change , except for some extraordinary change or remuneration that the insurer must apply and of which it will inform the client, although it is not usual. However, if the client changes insurance company 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 have a car accident and 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 health insurance and you will have to notify the Treasury if you request partial settlement of inheritance tax on 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 compensation limits. Therefore, it is essential to enforce the insurance contract and cover the damage.
Insurers also often ask for the policy number to respond to inquiries and provide specific information . This identification code can also be used to carry out procedures in the policy, make changes to the data, check your 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 can I find out my insurance policy number?
There are different ways to know the number of the insurance policy:
Particular conditions
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, no matter what the type of insurance, its form of contracting, coverage or company, there must be a contract where these particular conditions are reflected.
Within the particular conditions are 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 mail or email a few days after signing the contract. Generally , the policy number is found on the first pages , next to your particular 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 the health cards that accompany health insurance.
See the policy number on the premium payment receipts
Whether you receive correspondence from your bank by regular mail or access the client area to check movements, you will also find the policy number on the insurance premium payment receipt .
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.
Client 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, check 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 contracted coverage.
If the insurer has a mobile application for its clients, you can also check the policy number by entering your profile as an insured . The usual thing is that it is in a visible place so that 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 data.
Insurance company customer service
If you prefer to use the phone, you can dial the customer service number of your insurance company to receive the policy number. However, keep in mind that this is normally one of the pieces of information that is requested to verify the identity of the client, 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 wrong hands. inadequate.
Each insurance company operates in a different way, but the usual thing is that they request other types of personal data to verify your identity , from the license plate of the vehicle if it is car insurance to the email provided at the time of contracting for send you the policy number there.
Some insurers also provide customer support through chatbots or virtual assistants on their website. In that case, you just have to ask how to know the number of your insurance policy and the wizard will guide you quickly and accurately.
Ask your insurance broker for the policy number
If you bought your life insurance with the help of your insurance broker , you can ask him directly. Insurance brokers not only help you process the contracting of your insurance, but they are available for whatever you need at all times, even when you already have your product.
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