Meerut is a bustling city in the National Capital Region. Geographically located in Uttar Pradesh, it is famous as the Sports City of India and a hub for producing sports goods.

The significant growth of the city's economy has witnessed a surge in vehicle numbers on Meerut’s roads. Not surprisingly, the Regional Transport Office has its hands full in managing the smooth functioning of transportation and the safety of all stakeholders. The RTO, Meerut, is doing a commendable job overseeing the city's transportation system. 

This article will help us learn more about the RTO, Meerut. You can also visit their website to learn more about online services.

RTO Office in Meerut

What are the Different Types of RTO Forms?

The functioning of the Regional Transport Office is linked with various forms prepared to facilitate several processes. They include:

• Form 20: This form is for motor vehicle registration and to initiate the crucial step of registering a new vehicle into the official record.
• Form 21: Functions as a sales certificate for sales transactions, documenting the transfer of ownership from the seller to the buyer.
• Form 24: For initiating the registration process for a motor vehicle. It streamlines the procedural aspects.
• Form 29: Submitting this form is mandatory when transferring vehicle ownership. It ensures a seamless transition.
• Form 38 A: To initiate an inspection report.
• Form 50: For transporting goods by road. It also serves as the bill of lading, a crucial document for transporting goods.

Vehicle Registration Process in Meerut

The process for registering your car or bike with the RTO Meerut involves a series of steps:

• Visit RTO Meerut: You must initiate this process at the RTO office in Meerut. 

• Document submission: Submit all the necessary documents to validate the legitimacy of the registration process. 

• Road tax payment: Deposit the road tax fee via demand draft. 

• Form submission: You must ensure the accuracy and completeness of your form to expedite the process.

• Processing charges: Deposit the applicable registration processing fees. The fees for different processes are available at the RTO's official site.

• Verification and inspection: The RTO thoroughly verifies and inspects your vehicle.

• Number assignment: Await the assignment of a unique registration number.

• Registration Certificate issuance: Upon completing the above steps, the Registration Certificate is despatched via post to your residential address.

Saharanpur, a growing commercial centre in Uttar Pradesh, faces significant traffic congestion, requiring careful management of road safety and vehicle-related matters. The Regional Transport Office (RTO) in Saharanpur plays a role in overseeing these issues. Designated as UP 11, the RTO is responsible for a range of tasks, including vehicle registration and ensuring compliance with road safety regulations.

As economic activity continues to rise in the city, the Saharanpur RTO becomes essential for maintaining order on the roads. This involves issuing vehicle registrations, drivers licenses and enforcing transportation guidelines. The unique UP 11 RTO code acts as an identifier for Saharanpur, streamlining processes and enabling effective communication within the broader transportation network. In this article, we’ll delve into everything you need to know about the Saharanpur RTO.

RTO Office in Saharanpur

Listed below are the address details of UP-11 Saharanpur RTO Office:

The Regional Transport Office (RTO) located in Thane, known as MH 04, is an integral part of the Mumbai Metropolitan area. Thane, being one of the most populated cities in India, attracts many tourists due to its various attractions. The RTO in Thane functions according to the Motor Vehicle Act and offers services related to vehicles.

In addition to its involvement with vehicle-related matters, the RTO Thane collaborates with the traffic department in Thane. Together, they work towards managing traffic and transportation in the region. This includes ensuring compliance with traffic regulations, licensing procedures and other aspects related to transportation services. In this article, we’ll delve into everything related to the RTO of Thane.

RTO Office in Thane

The following are the address details of the different RTOs of Thane:

MH-04 RTO Office in Thane - Central Mumbai

MH-56 Thane Rural RTO Office

Barasat is a suburban area located on the outskirts of Kolkata. It is home to the Barasat Regional Transport Office (RTO), which operates under the supervision of the transport commissioner and falls under the Motor Vehicles Department of West Bengal. The Barasat RTO plays a crucial role in managing transportation-related matters, such as issuing driving licenses, registering motor vehicles, facilitating permits, collecting taxes and enforcing regulations as mandated by the Motor Vehicles Act of 1988. For up-to-date information, it is advisable to contact the local Barasat RTO office or visit their official website. In this article, we’ll give you an overview of the RTO of Barasat and its services.

RTO Office in Barasat

Listed below are the address details of Barasat’s RTO Office:

Updated on 10-04-2025

If you plan to buy a new car, you might be wondering about the insurance options available for your vehicle. As per the Supreme Court order, all new cars sold after September 1st, 2018, must have at least a 3-year third-party insurance policy. That means you must pay the premium three years in advance and get coverage for any liability arising from third-party damages or injuries. But what about the protection of your own car? Is a third-party insurance policy enough to cover the risks and expenses involved in owning and driving a car? The answer, in short, is NO. You need a comprehensive car insurance policy that covers both third-party liability and your car's own damage (OD). 

However, a comprehensive long-term car insurance policy is not mandatory, unlike a third-party car insurance policy. You can purchase it for one year or more. In this blog, we will explore the features, benefits, and process of buying long-term comprehensive car insurance for 3 years.

What is a Long-Term Comprehensive Car Insurance Plan For 3 Years?

A 3-year, long-term comprehensive car insurance policy provides coverage for your vehicle for a continuous three years. Unlike traditional four-wheeler insurance policies requiring annual renewal, this plan ensures that your car remains insured without needing yearly paperwork. It encompasses third-party liability coverage and own damage protection, offering holistic financial security against various risks.

Features Of A 3-Year Car Insurance Plan

A 3-year car insurance policy comes with the following features:

• Longer Validity:It ensures long-term protection without requiring yearly renewals. With a 3-year insurance for a new car, you can enjoy the peace of mind and convenience of having a single policy for three years.
• Economical Option: Purchasing a 3-year comprehensive car insurance policy is typically much more feasible and cheaper than renewing the same yearly plan. 
• Portability:Even after buying a 3-year comprehensive car insurance policy, you are still provided the option to change your insurance provider during this tenure. You have the option to port your policy to another insurer if you are not satisfied with the service or coverage of your current insurer.
• NCB Transfer:During the policy term, if you decide to sell your car or buy a new one, you are free to transfer your accumulated NCB to the new car or owner. This way, you can enjoy the benefits of discounted future premiums or get a better price for your old car.

Car Insurance for Three Years - What is Included and What is Not

 Given below is the list of inclusions and exclusions under a three-year car insurance policy-

Included:

• Third-Party Liability Coverage: Financial protection against legal liabilities arising from injuries or damages caused to third parties.
• Own Damage Cover: Compensation for damages to your vehicle due to accidents, theft, fire, or natural disasters.
• Personal Accident Cover: Coverage for the owner-driver against accidental injuries or death.

Not Included:

• Depreciation: Unless a zero-depreciation add-on is opted for, standard policies do not cover the depreciation of vehicle parts.
• Mechanical or Electrical Breakdowns: Damages due to regular wear and tear or mechanical failures are typically excluded.
• Driving Under Influence: Any damages or liabilities incurred while driving under the influence of alcohol or drugs are not covered.
• Unauthorised Usage: Using the vehicle for purposes other than those stated in the policy (e.g., commercial use for a privately insured car) can lead to claim rejection.

Advantages of Choosing a Three-Year Insurance for Your Car

A 3-year comprehensive car insurance plan offers the following benefits:

• Loyalty Rewards:Who doesn’t like rewards? Some insurers offer loyalty rewards for long-term policyholders, such as discounts or additional coverage perks.
• Time-Saving:With a multi-year plan, you save time on annual policy shopping, allowing you to focus on other things that matter.
• Comprehensive Coverage:The policy provides coverage for both third-party liability and own damage to your car. This means that you can get compensation for any damage or loss caused by fire, theft, natural calamities, accidents, vandalism, etc. You can also opt for extra add-on covers, such as personal accident cover, roadside assistance, zero depreciation cover, etc., to enhance your protection.

How to Apply for a Three-Year Car Insurance Plan?

You can apply for a 3-year comprehensive car insurance plan online or offline in a few simple steps. Here are the steps to apply for a 3-year insurance plan online:

• Visit your insurer's website.
• Enter your car details, such as registration number, make, model, variant, etc., or select your car from the list of options.
• Choose the type of coverage you require, select the policy tenure as 3 years, and click on the 'Get Quotes' button. It should then show you the 3-year car insurance price.
• You can also customise your plan by adding or removing optional covers such as personal accident cover, roadside assistance, zero depreciation cover, etc.
• Fill in your details, such as name, address, contact number, and email ID, and pay online using a debit card, net banking, UPI, etc.
• Post payment, you will obtain a confirmation via email and SMS with your policy details and documents.

FAQs

1. Is a 3-year car insurance policy mandatory?

As per the Supreme Court directive effective from 2019, it is mandatory for new cars to have a third-party liability cover for three years. However, opting for a comprehensive 3-year policy is not compulsory but is recommended for enhanced protection.

2. Can I cancel my 3-year car insurance policy before its expiry?

Yes, you can cancel the policy before its term ends. However, the refund process and amount depend on the insurer's terms and the duration for which the policy was active.

3. What happens if I sell my car during the policy term?

If you sell your car, you can transfer the insurance policy to the new owner. Alternatively, you may be eligible for a refund of the premium for the remaining period, as per the insurer's guidelines.

4. How does the No Claim Bonus work in a 3-year policy?

In a 3-year policy, the NCB is accumulated over the policy term. If no claims are made during this period, you can avail of a significant discount on the premium during renewal.

5. Are add-on covers available with a 3-year car insurance policy?

Yes, insurers offer various add-on covers with long-term policies, such as zero-depreciation cover, engine protection, and roadside assistance, to enhance your coverage.

Conclusion

A 3-year long-term comprehensive car insurance policy offers numerous benefits, including convenience, cost savings, and enhanced protection. By opting for such a plan, car owners can ensure continuous coverage, avoid the hassle of annual renewals, and safeguard themselves against potential premium hikes. It's a prudent choice for those seeking peace of mind and financial security for their vehicles over an extended period.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Ever lost or misplaced your car keys and felt the frustration of being unable to drive your car? Or worse – ever had your car keys stolen and worried about the security of your vehicle? If yes, then you understand the high cost and inconvenience of getting a new set of keys or replacing your car's entire lock system.

But what if there was a way to protect yourself from such situations and get your car keys replaced or repaired without burning a hole in your pocket? Well, there are! It is called Key Replacement Cover in Car Insurance, also known as Car Key Replacement Insurance. Read on to find out what it is, how it works, and why you should consider buying it.

What is Key Replacement Cover in Car Insurance?

Key Replacement Cover, or Key Lost Insurance, is an add on you can get with your comprehensive car insurance policy. It covers your car keys' replacement or repair costs if you lose, misplace, or damage them or someone steals them. The add on also covers the cost of replacing or repairing the entire lock system of your car if it is damaged due to theft or burglary.

Key Replacement Cover is an optional cover you can purchase by paying an additional premium over and above your basic car insurance premium. The premium value depends on various factors, such as the make and model of your car, the type of key (traditional or electronic), and a few more.

Benefits of a Key Replacement Cover in Car Insurance

Some of the primary benefits of buying lost car key insurance are:

• It saves you from the hassle and expense of getting new keys or locks for your car in case of an unfortunate event.
• It provides you with peace of mind and security, as you don't have to worry about losing access to your car.
• It enhances the coverage and value of your comprehensive car insurance policy by providing additional protection for your car.
• It is easy to buy and claim, as insurers offer online purchase and settlement options for this add-on cover.
• Submitting a claim under this cover won't affect your no-claim bonus.

Inclusion of Key Replacement Cover in Car Insurance

Some of the common scenarios that are covered under key replacement in car insurance are:

• Loss or misplacement of car keys due to any genuine reason
• Theft or burglary of car keys from your home, office, or any other place
• Damage or breakage of car keys due to accident, fire, water, etc.
• Damage or breakage of the car's lock system due to theft or burglary.
• Cost of towing or transporting the vehicle to the nearest garage or workshop if the keys are unavailable.
• Cost of labour charges for replacing or repairing the keys or locks.

Exclusion of Key Replacement Cover in Car Insurance

Some of the common scenarios that are not covered under Key Replacement Cover in Car Insurance are:

• Loss or theft of car keys due to negligence, carelessness, or deliberate act.
• Loss related to keys covered under the warranty.
• Damage to key lock due to radiation.
• Damage or breakage of car keys due to wear and tear, corrosion, rust, etc.
• Damage or breakage of the lock system of the vehicle due to electrical or mechanical failure.
• Damage to parts other than keys, such as an immobiliser, ignition system, or alarm.

Steps to Buy Key Protect Claim Add-on

If you want to buy a Key Protect Claim Add-on with your comprehensive car insurance policy, you can follow these simple steps:

• Start by comparing different car insurance plans and add-on coverages offered by various insurance companies online.
• Choose a plan that suits your needs and budget, and select the Key Protect Claim Add-on as an additional feature.
• Fill out the online application form with your personal and vehicle details.
• Pay the premium amount using a secure payment mode.
• Receive the policy document and confirmation email at your registered email address.

Steps To Claim Car Insurance for Key Protection

If you want to claim Key Protection Cover in case of loss, theft, or damage to your car keys or locks, you can follow these simple steps:

• File an FIR with the police and take a copy of it to support your claim.
• Inform your insurance company about the incident within 24 hours and register your claim online or via their toll-free number.
• Submit the required documents, such as policy copy, FIR copy, identity proof, vehicle registration certificate, etc., along with a duly filled claim form.
• Get your car inspected by a surveyor appointed by the insurance company.
• Get your keys or locks replaced or repaired at a network garage authorised by the insurance company.
• Pay the deductible amount (if any) and get reimbursed for the remaining amount by the insurance company.

Kerala, located in southwestern India, is a tropical paradise to say the least. It is also known for its lush landscapes, vibrant culture, and warm hospitality.

As you explore Kerala, you will encounter fragrant spice plantations, pristine beaches, and misty hill stations. The state's rich cultural heritage is evident in its classical dance forms like Kathakali, the melodic rhythms of traditional music, and the mouthwatering cuisine featuring coconut-infused curries and fresh seafood.

While immersing yourself in Kerala's beauty and culture, don't forget the practicalities. For those planning to navigate the scenic yet winding roads of this beautiful state, securing reliable car insurance online in Kerala is a must.

Benefits Of Buying Car Policy In Kerala

Buying a car insurance online in Kerala can be a smart decision for many reasons. Here are some major reasons:

• It allows you to protect your car from the unpredictable weather of Kerala, which includes floods, landslides, and storms. A car policy will cover the losses or damages caused by these natural disasters.
• You enjoy the peace of mind knowing that you comply with the law. According to the MV Act 1988, having at least a third-party car insurance policy in India is mandatory. This policy covers the liability arising from any injury or death of a third party or damage to their property caused by your car.
• You can receive quality health care in case of any injury or illness due to a car accident. A car policy will provide you with a personal accident cover, which will pay for your medical expenses and compensation in case of disability or death. 
• A car policy will also provide you with a cashless facility, meaning you don’t have to pay anything upfront for the repairs at any network garages across Kerala.

When looking for the best car insurance in Kerala, you may keep these benefits in mind.

If you live in Mapusa, a tourist hotspot of Goa, and own a vehicle, knowing your Mapusa RTO is compulsory. The Regional Transport Office (RTO) Mapusa is responsible for issuing licenses, vehicle ownership transfers, registration of vehicles, registration certificates, and road tax payments within its jurisdiction. The Mapusa RTO functions under the Goa Transport Department and also looks into cases of scams and fraud related to vehicle licenses, registration, etc.

Let us explore the RTO Mapusa in more detail in the following sections.

RTO Office in Mapusa

The Regional Transport Office is vital to every vehicle owner’s life. It is a government office responsible for issuing licenses, road tax, checking pollution levels, and more. The RTO also monitors scams related to vehicle and driving issues. For instance, the Godhra RTO observes and ensures vehicle owners in its jurisdiction pay the applicable road and motor vehicle taxes. Vehicle type, seating capacity, intended usage, etc., decide the applicable road tax.

Vehicle owners should know their RTO for all these services and payments. Also, car insurance is crucial for legally travelling in Godhra and across India. Keep your insurance and other documents updated.

RTO Office in Godhra

Situated at the core of managing vehicular affairs in this lively city of Valsad in Gujarat, the Valsad RTO serves as a vital component of the broader Regional Transport Authority of India, functioning under the regulatory umbrella of the Ministry of Road Transport and Highways. Its primary responsibilities encompass regulating and facilitating diverse vehicle-related services and ensuring strict compliance with the Motor Vehicles Act of India, 1988. Acting as a crucial intermediary connecting the government with the local community, the Valsad RTO assumes a pivotal role in record-keeping, driver licensing and the enforcement of transportation regulations within the district. Let’s explore the indispensable functions and services of the Valsad RTO to gain a deeper understanding of its significance in shaping the local transportation landscape.

RTO Office in Valsad

Gujarat’s Valsad is a well-liked, wealthy and well-connected area to the rest of the state. NH-48 traverses this area, and the district boasts a well-functioning road transportation network. As a result, Valsad RTO, which has the designation GJ-15, oversees the whole transportation system.

The abbreviation ‘RTO’ commonly arises in conversations about obtaining a driver’s licence and registering a new vehicle. Serving as a key player in national road transport operations, the RTO extends its support, even offering assistance verifying your motorcycle or automobile insurance status.

The Regional Transport Office, abbreviated as RTO, is the government agency responsible for implementing the provisions outlined in the 1988 Motor Vehicles Act. Each state and union territory in the country has a dedicated RTO, overseeing its specific region. Additionally, the administrative jurisdiction of the RTOs may encompass several District Transport Offices (DTOs). This blog provides detailed information about Bilaspur RTO.

RTO Office in Bilaspur

The transport department of Bilaspur, a city in the state of Chhattisgarh, operates in compliance with the guidelines established by the Motor Vehicles Act of 1988. The duty of providing different transportation-related services in the city falls on the shoulders of the Bilaspur RTO (Bilaspur Regional Transport Office). Below listed are the various RTO in Bilaspur and their address, contact information, and working hours.

Mahesana, also known as Mehsana, is a city in the northern part of Gujarat, India. Mahesana is renowned for its historical significance and rich cultural heritage and is a hub of commerce, culture and agriculture.

The Regional Transport Office (RTO) in Mahesana plays a vital role in the administration of the city. This office is crucial for all matters concerning vehicles and licenses. It acts as a key authority, ensuring everything related to vehicles runs smoothly. Situated in the city centre, the RTO office assists people in correctly registering their cars and obtaining proper driving licenses. It plays a vital role in maintaining order and ensuring adherence to rules, contributing to safer roads, and an organised transportation system in Mahesana.

RTO Office in Mahesana

You can refer to this table for address, timings and contact information of Mahesana RTO. Scroll down to read the details.

Situated in the heart of Gujarat’s Kutch district, Bhuj is renowned for its rich history and vibrant culture. Once a residence for royalty, the city boasts beautiful old buildings and palaces that narrate tales of its illustrious past. At the core of Bhuj’s administrative framework lies the Regional Transport Office (RTO), which oversees all vehicle-related matters. This office meticulously maintains records of all vehicles in Bhuj and ensures their compliance with rules and regulations. Tasked with organising and regulating vehicular operations within the city, the RTO plays a pivotal role in ensuring a seamless experience for individuals who own cars and other vehicles in Bhuj.

RTO Office in Bhuj

You can refer to this table for contact information and address of Bhuj RTO:

Nagpur, the third-largest city in Maharashtra, celebrated for its historical landmarks and enduring culture, is popularly known as the ‘orange city’ and is home to Deekshabhoomi. The RTO Nagpur operates through three offices strategically located in Nagpur Urban, Teka Naka and Chikhali areas, overseeing various road transport activities including the vehicle registration processes.

RTO Office in Nagpur

The RTOs in Nagpur are overseeing administrative activities related to road transport in the city. The table below provides crucial details such as the address, operating hours and contact information of the three offices of Nagpur RTO.

Observing vehicles on the roads of Bikaner reveals the presence of a distinctive number plate, incorporating the RTO code specific to the area and a numerical registration identifier. This code signifies the registration of vehicles under the jurisdiction of the Regional Transport Offie. The RTO office in Bikaner efficiently manages the comprehensive database encompassing both drivers and vehicles within the city. Let’s delve deeper into a detailed understanding of the RTO Bikaner, its registration process, transfer of ownership process, and other related aspects.

RTO Office in Bikaner

The growing population, posing challenges for the government in traffic management, prompted the establishment of RTO offices in Bikaner. Consequently, two RTO offices with codes RJ-07 and RJ-50 were inaugurated to oversee transportation and road safety in Bikaner. Below is the address and contact information of the two RTO in Bikaner:

The Motor Vehicles Act of 1988 provisions serve as the cornerstone for the Regional Transport Office in Nashik, Maharashtra. Nashik is the biggest city in Maharashtra's northern region, making the transportation network rather intricate.
The Nashik RTO is in charge of upholding traffic-related law and order in the city and operates under the direction of the Commissioner of the Transportation Department. Continue reading to find out more about Nashik RTO.

RTO Office in Nashik

Gujarat's oldest city, Bharuch, was formerly known as Broach. After Varanasi in Uttar Pradesh, Bharuch is said to be the second-oldest city that has been continuously inhabited. Today, its chemical plant, fertiliser, and textile mill industries have made Bharuch famous and increasingly busy and populated. A large number of people visit Bharuch for various business purposes. The city houses an RTO office to assist people with vehicular and driving needs.
The Gujarat government is in charge of and exercises jurisdiction over the Bharuch RTO, which has the RTO code GJ-16. The Bharuch RTO collaborates with the state government to implement the Motor Vehicles Act of 1988 successfully in its region.

RTO Office in Bharuch

Kushinagar, an important and popular Buddhist pilgrimage destination in the northern state of Uttar Pradesh, has its Regional Transport Office (RTO) with the code UP-57. The RTO plays a crucial role in offering transportation services, overseeing traffic regulations, and promoting road safety. In this blog, we will explore the Kushinagar RTO code, the different forms available at this office and their purposes, vehicle registration and the transfer of ownership processes, the necessity of vehicle registration, and the landscape of four-wheeler insurance in Kushinagar, a historically significant city in Uttar Pradesh.

RTO Office in Kushinagar

The Mysore Regional Transport Office (RTO) in the southern state of Karnataka stands as a pivotal institution for road transportation, overseeing the vehicular landscape of the city. Beyond mere administrative functions, the Mysore RTO ensures the implementation of traffic regulations, upholds road safety standards, and facilitates various services for drivers and vehicles. This comprehensive overview delves into the core aspects of the Mysore RTO, shedding light on its functions, processes, and the significance of car insurance in the context of vehicle registration.

RTO Office in Mysore

The Regional Transport Office (RTO) in Worli (Mumbai) is pivotal in managing vehicle-related services and enforcing transportation regulations in South Mumbai. This essential government body ensures the smooth functioning of traffic operations and upholds the Motor Vehicle Act's guidelines. Here, we delve into the crucial aspects of the Worli RTO, shedding light on its functions, forms, vehicle registration process, ownership transfer, the necessity of vehicle registration, and the significance of four-wheeler insurance in this bustling region of Maharashtra.

RTO Office in Worli