An insurance policy belongs to a contract. If it is lost, it shall notify the insurance agent in time. The insurance company has the insurance contract of the applicant in the database, and the applicant can apply to the insurance company for a replacement of the lost insurance contract.

Customers need to apply to the insurance company in person to change the contract, or they can entrust an agent with full authority. However, it should be noted that if an agent is entrusted, the customer still needs to collect the reissued insurance policy in person, and only after obtaining the reissued contract can he apply for compensation according to the procedure.

Extended data:

1. According to Article 13 of the Insurance Law of People's Republic of China (PRC), after an insurance contract is established, the insurer shall promptly issue an insurance policy or other insurance certificate to the applicant, which shall specify the contents of the contract and stipulate the responsibilities and obligations of both the applicant and the insurance company.

2. Before the policy is reissued, in order to protect the rights and interests of customers, the insurance company will have a seven-day loss reporting period, and the insurance contract will be reissued after seven days. In addition, after the loss of the insurance policy, as long as the customer pays the renewal premium on time, so that the insurance policy is in an effective state, the insurance company cannot refuse to pay the claim after the customer is out of danger.

3. Under the premise that the facts of the insurance accident are clear, the complete claims data can ensure that customers can get insurance claims smoothly. After an insurance accident, the insured or the insured shall report the case to the insurance company in time, and the insurance company will file the accident. As long as the materials are complete and accurate, it can speed up the claim settlement and help customers get the claim payment smoothly.