Section 146(1)(c) in The Central Motor Vehicles Rules, 1989
(c)pays to the insurer a fee of rupees twenty in respect of each such certificate or cover note, the authorized insurer shall, if satisfied that such certificate or cover note has been lost or destroyed and that all reasonable efforts have been made to find it, or that it has been destroyed or is soiled, defaced or mutilated, as the case may be,issue in lieu thereof a duplicate certificate of insurance or cover note with the word Duplicate prominently endorsed to the effect.