How To Transfer Insurance Of Your Car & Bike

Relocating, upgrading to a new set of wheels, or simply selling your cherished car or bike, transferring insurance is an indispensable component that must not be ignored. Understanding the process, requirements, and potential pitfalls is essential to ensure a smooth, hassle-free insurance transfer to the new owner’s name. And that’s where today’s valuable post comes into play because here we’ll explore the nitty-gritty of insurance transfers for your car and bike, equipping you with the expertise to professionally tackle this frequently underestimated aspect of vehicle ownership. So, without further ado, let’s dive right in.

Essential Documents for Insurance and Ownership Transfer

Before we dive into the actual step-by-step process of transferring insurance for your car or bike, let’s see what documents you would need along the way:

  • Original Registration Certificate (RC): This crucial document provides proof of vehicle registration, containing vital information about the car or bike and its owner.
  • RTO receipt for Forms 28, 29, and 30: These forms serve as the official application for transferring ownership, featuring signatures from both the buyer and seller, as well as proof of the completed sale.
  • No Objection Certificate (NOC) from the previous owner: This document indicates that the previous owner has no objections to the transfer of ownership and relinquishes all claims on the vehicle.
  • Address proof of the buyer: Required to verify the buyer’s current residence, ensuring accurate registration details.
  • Passport-size photographs of the buyer: Photos are necessary for identification purposes and to complete the registration process.
  • Old and active insurance policy document: This document is essential to facilitate the transfer of insurance from the previous owner to the new owner.
  • Inspection report of the vehicle by the insurance company: The inspection report verifies the vehicle’s condition and helps the insurance company determine the appropriate coverage for the new owner.

Before you even head down to the process of transferring the insurance to the new owner of a bike or car, you must have these important documents by your side.

Steps to Transfer Car or Bike Insurance

Since we have already shown you what documents you’d require, let’s now get down to the actual process of insurance transfer for your bike or car. Here’s a step-by-step guide to help you understand the process and ensure a smooth transfer of insurance.

  1. Transfer the Vehicle Ownership

Initiating the insurance transfer process begins with making certain the vehicle’s ownership is updated in your favor. This entails modifying the Registration Certificate (RC) and any associated documentation. For example, if you’ve acquired a pre-owned car from John, it’s crucial to revise the RC to display your name rather than John’s.

  1. Understand the Seller’s Responsibility

As per transportation department guidelines, the seller is responsible for ensuring the car insurance is passed on to the purchaser. However, as a buyer, taking the initiative to confirm that your car or bike is protected by a motor insurance policy is a smart approach. Don’t hesitate, for instance, to remind the seller of their duty to transfer the insurance or to keep track of the procedure’s progress.

  1. Gather the Necessary Documents

To transfer the insurance policy, you will need the following documents:

  • Registration Certificate (RC)
  • Bike or car insurance policy
  • Ensure you have both the RC and the existing insurance policy in hand before proceeding.
  1. Complete the Required RTO Forms

Download and fill out the necessary forms such as Forms 28, 29, and 30 from the respective RTO’s website or office.

  1. Submit the Necessary Documents to the Insurance Company

Once you have completed the RTO forms and gathered the required documents, submit them to your insurance company to initiate the transfer process. For example, if your used car’s insurance policy is with XYZ Insurance, you’d need to submit the necessary documents to XYZ Insurance for processing the transfer.

  1. Pay the Required Fee (if applicable)

Some insurance companies may require a fee for transferring the policy. If this is the case, make sure to pay the fee promptly to avoid any delays. For instance, if XYZ Insurance charges a 200 rupees transfer fee, ensure you pay it on time to expedite the transfer process.

  1. Receive the Updated Insurance Policy in Your Name

After the insurance company processes your request, you will receive the updated insurance policy bearing your name through email or courier. Make sure to review the updated policy for accuracy and store it safely for future reference.


All in all, by understanding the essential documents required and following the step-by-step process outlined above, you can navigate the insurance transfer process with ease and confidence. Keep in mind that cooperation between the buyer and seller is important for a hassle-free experience.  With this comprehensive guide at your disposal, you can tackle the insurance transfer process like a professional, safeguarding your interests and enjoying a seamless transition in vehicle ownership.