The Regional Transport Office (RTO) is a common term in the world of transport. It is a government body that administers all matters related to vehicles in a designated region, particularly in the districts of states. This article explores the functions and processes carried out by the RTO, Betul, briefly disseminating essential information to vehicle owners in the region.

RTO Office in Betul

Betul is located in Madhya Pradesh, and the district is famous historically for the tribal uprising against British rule. The Betul RTO manages various aspects of road transportation, from registering vehicles and issuing driving licenses to checking for pollution and adherence to safe driving. The office ensures everyone on the road complies with existing guidelines and remains safe.

What are the Different Types of RTO Forms?

The RTO Betul uses various forms prepared by the Ministry of Road Transport and Highways to carry out several vehicle-related tasks. Vehicle owners must complete the forms online or offline and submit them to the RTO for the next steps.

Some of the forms include:

• Form 20: To apply for motor vehicle registration
• Form 21: To generate a sales certificate
• Form 23: To apply for the registration certificate
• Form 24: For registration of a motor vehicle 
• Form 29: For notice of transfer of ownership of a motor vehicle
• Form 38A: For inspection report
• Form 50: For a bill of lading
• Form 51: For the certificate of insurance
• Form 54: For reporting an accident

Vehicle Registration Process in Betul

Here are the steps for vehicle registration at RTO Betul:

• Take the vehicle to the Betul RTO for a detailed inspection by an official team.
• Fill out the application form for vehicle registration, providing all the necessary information.
• After filling out the form, submit it to the RTO Betul with other required documents.
• Wait while the officials evaluate the submitted documents.
• If the application review is successful, the vehicle will obtain a unique registration number, making it possible to own the vehicle legally.
• The process usually takes 2-3 days but can sometimes extend for a longer period in certain cases.

Once the evaluation and approval processes are over, the owner is given a Registration Certificate or RC for the vehicle. This document is crucial as it proves the legal status of a vehicle.

The Regional Transport Office (RTO) is an essential body to oversee transport operations throughout India's states and union territories. The RTO is a governmental body that is responsible for handling vehicle registration, issuing driving licences, and maintaining local laws about road transportation. The Regional Transport Office (RTO) is a crucial organisation in Shrirampur that manages the complexities of transportation. The Shrirampur RTO is essential to control various aspects of transportation operations. From car insurance and licences to car registrations, the local government make sure that all transportation requirements are followed. This guide explores the role that the Shrirampur RTO plays in maintaining law and order in the local transportation region in Shrirampur.

RTO Office in Shrirampur

Listed below are the details about the Shrirampur RTO Office:

What Are the Different Types of RTO Forms?

Several online RTO forms with different uses have been made available by the Ministry of Road Transport and Highways. They are as follows:

• Form 20: Motor vehicle registration application; 
• Form 21: Sales certificate; 
• Form 23: Registration certificate;
• Form 24: Motor vehicle registration
• Form 29: Notice of Motor Vehicle Ownership Transfer
• Form 38 A: Report on Inspection; 
• Form 50: Bill of Lading; 
• Form 51: Insurance Certificate
• Form 54: Accident Information Report

Vehicle Registration Process in Shrirampur

To register your car, follow these steps:

• Make an appointment at the office of RTO Shrirampur.
• After that, turn in the necessary paperwork and completed forms.
• Send in the draft demand for road tax that must be paid.
• Upon the RTO officials' instructions, submit the registration form and the required documentation.
• Pay the processing fees.
• It usually takes two or three days to complete. It can take longer in some circumstances.
• Following the completion of processing and verification, a vehicle number will be assigned by the RTO.

The Regional Transport Office (RTO) is the governing authority for all transportation activities in India. Each state and union territory has its very own RTO liable for overseeing transportation inside its jurisdiction. Dharwad, like every town, falls beneath an RTO that operates underneath the recommendations set by the 1988 Motor Vehicles Act. This RTO in Dharwad is responsible for various duties, together with issuing driving licenses, registering vehicles, offering car insurance, collecting taxes, issuing permits, enforcing site visitors’ laws, coping with pollutants, and other related duties. As the primary authority for all transport and traffic matters, the RTO in Dharwad, designated as KA-25, handles all issues pertaining to the district. Today, we’ll cover everything you need to know about the Dharwad RTO.

RTO Office in Dharwad

Listed below are the address and contact details of the Dharwad RTO.

What Are the Different Types of RTO Forms?

Every RTO form that has been made available online by the official Ministry of Road Transport and Highways has a specific function. These include:

• Form 20: Car Registration Application
• Form 21: Certificate of Sales
• Form 23: Certificate of Registration
• Form 24: Vehicle Registration
• Form 29: Declaration of Motor Vehicle Ownership Transfer
• Form 38A: Report on Inspection
• Form 50: Lading bill
• Form 51: Insurance Certificate
• Form 54: Accident information report

Vehicle Registration Process in Dharwad

The steps listed below can be used for registering a vehicle:

• Make an appointment to the office at RTO Dharwad, then turn in the necessary paperwork and completed forms.
• Send in the draft demand for road tax that must be paid.
• As instructed by the RTO authorities, turn in the registration form together with the necessary documentation.
• Cover the processing fees.
• Two to three days are typically needed for the process. It can take longer in some circumstances.
• The RTO will assign a vehicle number upon the completion of processing and verification.

Welcome to the Regional Vehicle Office (RTO) of Allahabad, the control centre for how vehicles move about in this ancient city recently renamed Prayagraj. The Allahabad RTO office deals with a lot of things, from registering vehicles and issuing licenses to drivers to checking for pollution and driving adherence. The office also ensures everyone on the road is safe and complying with the guidelines. Consider this office the key to maintaining everything under control on the busy roads of this historic city. In this article, we will explore how the RTO, Allahabad, helps keep things running as smoothly as possible for each operable vehicle.

RTO Office in Allahabad

The Allahabad RTO office is a very important government office in Uttar Pradesh. Below are some details about the office.

Vadodara, one of Gujarat’s fastest-growing cities, is known for its rich culture, reputed educational institutions and thriving businesses. As more people move here for work and lifestyle, the number of vehicles on the road continues to rise. Naturally, this increases the need for safer roads and better transport regulation.

That’s where the Vadodara Regional Transport Office (RTO) plays a crucial role. Whether you own a motorcycle, car or truck, the Vadodara RTO ensures your vehicle meets legal standards and follows traffic laws.

In this blog, we’ll explore how the Vadodara RTO works and why it matters to every driver and car owner in the city.

RTO office in Vadodara

The primary RTO office in Vadodara is located in Darjipura. The RTO code is GJ-06. It falls under the Gujarat State Transport Department. The address is Near Golden Chokdi, NH 8, Darjipura, Vadodara – 390006.

Importance of Vadodara RTO in the city’s transport system

The RTO ensures that transport is safe and convenient in numerous ways. It ensures all vehicles are registered and insured appropriately. It also verifies that motorists have proper licences. Regular inspections are also conducted to ensure vehicles are roadworthy.

What are the different types of RTO forms?

If you need RTO services, you must submit the proper form. Here are some of the more common ones. These are listed below:

Form 20: Application for registration of a motor vehicle

Form 21: Sale certificate issued by the vehicle dealer

Form 22: Roadworthiness certificate from the manufacturer

Form 23: Registration Certificate (RC)

Form 24: Registration of a vehicle by the registering authority

Form 29: Notice of transfer of vehicle ownership

Form 30: Application for intimation and transfer of ownership

Form 35: Termination of hypothecation (loan closure)

Form 38: Vehicle inspection report

Form 60/61: To be submitted if a PAN card is not available

Form 26: Application for a duplicate RC in case of loss or damage

Form 1 and 1A: Medical certificate for driving licence (mandatory for applicants over 40 or commercial vehicle applicants)

Form 2: Application for learner’s licence

Form 4: Application for a permanent driving licence

Form 8:Addition of a new vehicle class to an existing DL

Vehicle registration process in Vadodara

After purchasing a vehicle in Vadodara, the first step is to register it at the local RTO. Visit the Vadodara RTO with your vehicle and submit the required documents, including proof of identity and address, dealer’s invoice, insurance papers, a roadworthiness certificate and Form 20.

An RTO official will inspect the vehicle, after which you must pay the applicable road tax and registration fee. Once verified, you will receive the Registration Certificate (RC) with your vehicle number, usually within a week.

Transfer of ownership of a registered vehicle in Vadodara

If you're buying or selling a second-hand car or bike in Vadodara, it's important to transfer ownership to ensure the new owner is legally responsible. Submit Forms 29 and 30 along with your ID and the original Registration Certificate (RC). The transfer fee is ₹150 for two-wheelers and ₹300 for four-wheelers. Once submitted, the RTO typically processes the transfer within a month.

Services offered by Ranchi RTO

The Vadodara RTO offers a range of services, including issuing learners permits, driving licences and international driving permits. It handles vehicle registration, ownership transfers and renewals of RCs and licences. The RTO also grants vehicle permits, collects road tax, conducts emission tests and issues fitness certificates.

Is it compulsory to register your vehicle with the RTO?

Yes, it is compulsory. According to Indian law, every vehicle needs to be registered to travel on public roads. Otherwise, you may have to pay hefty fines or face legal issues. Registration identifies the owner of the vehicle and can trace it in case it gets stolen or is a part of traffic problems.

Common challenges and tips

RTO procedures can be time-consuming due to long queues, paperwork and form submissions. To make the process smoother, review your documents in advance, arrive early to avoid peak crowds and carry duplicate copies as backup. If you're unsure about any forms, seek help from someone experienced.

Four-wheeler insurance in Vadodara

In addition to registration, having valid car insurance is mandatory. It protects you from major expenses in case of accidents, theft or damage. You can easily purchase car insurance online without the need to visit an agent. Plus, if you don’t make any claims during the year, you may be eligible for a No Claim Bonus, which lowers your premium in the following year.

Conclusion

The Vadodara RTO is central to the city's transport. They grant driving licences and register vehicles, ensuring vehicles and drivers obey the law. Although some steps may appear complicated, preparation will make it simple.

Remember, car insurance is just as important as registration. It looks after you financially and helps you relax. For personalised insurance guidance, simply fill out the form. It’s quick, easy and could help you save significantly.

FAQs

• Is car insurance mandatory in Vadodara?

Yes. It is required that you have car insurance to drive legally.

• How much does it cost to get a car registered in Vadodara?

It takes ₹600 to register a personal car and ₹1000 for commercial vehicles.

• How many days are required to obtain a Driving Licence?

You'll typically receive your Driving Licence around a week after passing the test.

• What is a No Claim Bonus?

A no-claim bonus in car insurance is a discount on your insurance if you don’t make any claims during the year.

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.

Nestled in the lap of nature, Rishikesh has become a globally renowned Yoga and Meditation hub for domestic and international tourists alike. River rafting, adventure sports, temples and resorts are some of the excellent attractions of this beautiful hilly city.

If you are from Rishikesh and own a car, holding car insurance, license and other required documents is mandatory. To avail of them, you need to know RTO Rishikesh. In this passage, we will provide all the details about your regional transport office for your quick reference.

For the address, RTO code and contact details, visit the web address here.

RTO Office in Rishikesh

The iconic Taj Mahal is the one fascinating structure for which Agra in Uttar Pradesh is famous worldwide. This marble masterpiece attracts people from everywhere to the place, which isn't just your average city but a living testament to how the human mind can touch the zenith of architectural grandeur.

Amidst the hustle of tourists exploring historical wonders, Agra's roads remain abuzz with vehicles. Hence, the city requires an efficient transport system. The Agra Regional Transport Office (RTO) ensures the smooth performance of this vehicular ballet. Dive into the world of hassle-free transport with the RTO, Agra. 

RTO Office in Agra

You can visit the official site of the RTO, Agra, for quick access to the various online services offered.

What are the Different Types of RTO Forms?

The Ministry of Roads and Highway Transport has made several online forms available for vehicle owners for official usage. Each form has a specific purpose:

• Form 20: Motor vehicle registration application
• Form 21: Sales certificate for transactions
• Form 23: Registration certificate for approved vehicles
• Form 24: Application form for vehicle registration
• Form 29: Mandatory for transferring ownership
• Form 38 A: Inspection report for thorough assessments
• Form 50: Bill of lading for road transportation of goods
• Form 51: Certificate of insurance for vehicle coverage
• Form 54: Information report of an accident

Vehicle Registration Process in Agra

Visit RTO Agra: Your vehicle registration journey begins at the Transport Colony. It is the epicentre of vehicle registration in Agra.

Document submission: Hand over your identity, proof of address, and the vehicle's paperwork. They are the essential papers for a successful registration.

Road tax payment: Submit a demand draft for road tax – your contribution to keeping Agra's roads as smooth as silk.

Form submission: Complete the vehicle registration form.

Processing charges: Pay the processing fees, a tiny investment for a hassle-free registration process.

Verification and inspection: Let the RTO team give your vehicle the once-over to ensure it's road-ready.

Number assignment: Await the issuance of a unique registration number, your vehicle's permanent identity.

Registration Certificate issuance: Once the checklist is ticked, the Registration Certificate is handed over, marking the end of the registration process.

The state of Uttar Pradesh is home to several historically rich cities. One such famed and ancient city is Mathura. It is more than just a city; it's a cultural treasure trove. Mathura is the birthplace of Lord Krishna.

Mathura emanates not only spiritual significance but also a vibrant tapestry of traditions. Its bustling roads are always busy with a mix of locals and tourists. Hence, the city needs a robust Regional Transport Officer (RTO) to oversee traffic on the roads, which, at times, can be mind-boggling. If you have queries concerning vehicles and their documentation, you can check here for the services the RTO Mathura provides.

RTO Office in Mathura 

Do make a note of the address and other details of the RTO Mathura.

What are the Different Types of RTO Forms?

The Union Ministry of Road Transport and Highways has brought out several forms, each serving a specific purpose:

• Form 20: Motor vehicle registration application
• Form 21: Sales certificate post a transaction
• Form 23: Registration certificates for approved vehicles
• Form 24: Application entailing details of a registered vehicle 
• Form 29: Mandatory for transferring ownership
• Form 38 A: Inspection report following an assessment
• Form 50: Bill of lading for goods transportation 
• Form 51: Certificate of insurance for vehicle coverage
• Form 54: Information report of an accident

Vehicle Registration Process in Mathura

The process for registering a vehicle with the RTO Mathura includes:

Visit the office: Begin the process by visiting the RTO Mathura, the focal point of all things related to vehicles in the city.

Document submission: Submit the necessary documents proving your identity, address, and vehicle's legitimacy.

Road tax payment: Deposit a demand draft bearing the road tax amount.

Form submission: Fill out the vehicle registration form.

Processing charges: Pay the processing fees applicable.

Verification and inspection: Let the RTO team thoroughly check your vehicle to ensure its road-readiness.

Number assignment: Await for a unique registration number assignment, your vehicle's lifelong identity tag.

Registration Certificate issuance: Once everything checks out, you will receive the Registration Certificate, marking the end of the registration journey in Mathura.

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:

A motor insurance policy provides financial protection to the vehicle owner in case of an emergency or accident. But when the car owner passes away, their assets along with the car are passed on to his or her legal heir. What happens to the car insurance policy under such circumstances? Understanding this is crucial to avoid any lapses in coverage or legal complications. This blog explores the steps required to manage car insurance after the demise of the car owner.

What Happens to Car Insurance Policy After the Death of the Owner?

When a person passes away, all their assets, including their car, are legally transferred to his or her heir. Consequently, the car insurance policy also needs to be transferred to the legal heir's name, provided it's still valid. 

The following are the points that need to be understood in this context-

• Validity of insurance policy: The insurance policy can only be transferred if it is valid at the policyholder's time of death. If it's expired, the insurance company won't transfer it, and the heir must purchase a new policy.
• Renewal of expired policy: If the car insurance policy expires after the policyholder's death and the heir hasn't transferred it yet, they can renew it in their name. The heir can either renew the existing policy or compare other insurance plans for a better option.
• Entities involved in insurance transfer:
  1. Insurance Company: Inform the company about the policyholder's death to update the policy details.
  2. Legal Heir: The policy transfers smoothly to a specified nominee. Without a nominee, it goes to the legal heir after due process.
  3. Regional Transport Office (RTO): The heir must transfer the car’s Registration Certificate (RC book) to their name at the RTO. A ‘No Objection Certificate’ from the bank might be necessary if the vehicle was on loan with pending instalments.

Documents Required to Transfer Car Insurance After Owner's Death

To transfer the car insurance to the new owner, several documents must be submitted to the RTO and the insurance provider. These include-

1. Death Certificate of the previous owner
2. The Registration Certificate or RC for the car 
3. Proof of relationship between the deceased and the heir
4. A notarised affidavit stating the transfer of insurance to the new owner
5. The insurance policy documents
6. Identity proof of the new owner
7. Form 30 and Form 31 used by the RTO for ownership and insurance transfer
8. No Objection Certificate (NOC) from the financer in case the car was purchased with a loan
9. Marriage Certificate (in case the heir is the spouse of the deceased)

Things to Remember While Transferring Car Insurance After Policyholder's Death

Things one needs to remember when transferring car insurance after the owner’s demise are-

1. Timely Initiation of the Process: The ownership transfer needs to be initiated on time to avoid any lapse of coverage.
2. Contacting the Insurance Provider: The insurer needs to be informed about the death of the policyholder.
3. Updating Ownership of Car: The vehicle ownership needs to be updated first at the RTO before starting the insurance transfer process.
4. Check Terms of Policy: Review the terms and conditions of the existing policy to understand all details and ensure a hassle-free transfer.
5. Legal Aid: Consult a lawyer, if necessary, to ensure you complete the transfer properly.

Importance of Car Insurance

A car insurance policy is not just a legal mandate but also a safety net for the vehicle owner. One should always have updated vehicle insurance for the following reasons-

1. Driving without an existing insurance policy is illegal in India.
2. Car insurance protects the vehicle owner from the financial burden of urgent repairs due to accidents.
3. A car insurance policy ensures peace of mind.
4. Valid car insurance is essential for the transfer of ownership and sale of a vehicle.

Make sure to find car insurance online immediately after purchasing a vehicle and make timely premium payments to make the most of its coverage plans. This simple step can save you precious time and money in unforeseen circumstances.

Conclusion

In case of the unfortunate death of a car owner, their vehicle is transferred to their legal heir. Similarly, the car insurance policy also must be transferred to the heir. This will happen only if the policy is valid.  This blog is a simple guide explaining the process and documents required for transferring the vehicle to its new owner in the event of the death of the original owner. Managing car insurance after the policyholder’s demise may seem tedious, but it is a crucial step that protects the interests of the surviving family members and heirs in the long run. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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. 

Updated on 24 Dec 2025

After selling a car, it’s natural to think about what will happen to your insurance. Whether you have a comprehensive insurance policy or a third-party car insurance plan, it is essential to handle the transition carefully.

As insurance is a legal requirement, missing any step can cause financial or legal problems. Selling your vehicle has direct consequences for your existing insurance policy. So, it’s important to understand the responsibilities of the seller, the buyer’s choices and how you can secure no-claim benefits. All this ensures a smooth handover of the vehicle and its protection.

When I Sell My Car, What Happens To My Car Insurance?

When you sell your car, you have to transfer your four-wheeler insurance to the buyer of the car. Here is a breakdown of the process:

• Seller's responsibilities: The seller must transfer the car insurance after selling the car to the buyer at the time of sale. It's important to claim the ‘No Claim Bonus’ (NCB) certificate during this process. It cannot be transferred to the buyer.
• Buyer's obligations: Buyers need to apply for the transfer of the car insurance ownership within 14 days of the car's purchase. Failure to do so might lead to claim rejection.
• Insurance transfer procedure: The seller must inform the insurance company in writing about the intention to transfer the policy. A nominal fee for the transfer applies, along with the recovery of the NCB from the transfer date until the policy's expiry date.
• Buying new insurance: If the buyer prefers a new policy rather than continuing the transferred one, it's advisable to compare quotes for car insurance online to find the best plan that meets your requirements.

What are the responsibilities of the person selling the car?

The seller has some key responsibilities during the transfer process:

• Keep insurance active: Maintain insurance until the registration transfer is complete.
• Provide documents: Hand over the signed registration certificate, sale receipt and a copy of the insurance to the buyer.
• Inform authorities: Notify your insurer and the local transportation authority about the sale so that liability is no longer tied to you.
• Follow the process: After completing these steps, you can avoid problems if the buyer delays ownership or is involved in an accident. At the same time, it’ll keep your insurance record clear.

Options if your buyer doesn’t want the transferred car insurance

In such a case, you can consider these options:

• Cancel your policy after completing the paperwork.
• Use the no-claim bonus if you have any.
• You can switch to short-term or third-party car insurance until you buy a new car.

Conclusion

Selling a car needs more than paperwork. You need to manage your car insurance policy correctly to ensure legal and financial safety. Keep the car insured until the transfer is complete. Then, either cancel or transfer policy benefits to the buyer. Doing this in a timely and transparent way can help avoid extra charges or complications in future coverage.

While you focus on finding the right buyer for your car, let us help you handle the insurance part with ease. Get personalised advice on the car insurance transfer process by filling out the form provided on this page.

FAQs

• Do I have to keep insurance during the sale?

Yes, as long as the car is in your name, you remain responsible.

• Can I transfer my existing insurance to the new owner?

Yes, but you should ensure proper documentation and the insurer's agreement before doing so.

• What happens to my no-claim bonus?

You can keep it or use it for up to a few years, provided you inform the insurer when you sell.

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.

Every car insurance comes with a validity. Both third-party insurance and comprehensive insurance have a validity of a certain period and must be renewed after a fixed period of time. Therefore, if you wonder if it is a must to regularly update or renew my car insurance policy, this article is for you.

Is car insurance renewal required?

The short answer is yes, you must renew car insurance before the expiry date. Scroll down to read more pointers on why you need to renew car insurance:

1. Ensures continual coverage:

The car insurance policy provides financial protection to the vehicle and offers some benefits such as ‘No Claim Bonus’, cashless repair service, zero depreciation cover, etc.  Although, the benefits can be availed only in case of a valid insurance cover. If your insurance is not valid, you will not be able to avail the listed benefits.

2. Compliance with Motor Laws:

The Motor Vehicles Act of 1988 mandates it to have a valid insurance cover for your vehicle in India. Failure to do so can lead to termination of your car insurance policy. As per Indian laws, you cannot operate an uninsured vehicle, as it amounts to a fine of INR 2,000 for the first time, a fine of Rs. 4,000 for subsequent violations, and imprisonment for up to three months.

3. Prevents financial liability:

When you have a valid car insurance, then the damages to the car or even damages to a third party are covered by the insurer. In case you fail to renew your car insurance policy, then the financial burden will have to be borne by you, causing additional financial losses and compensation claims.

4. Preserves ‘No Claim Bonus’ (NCB):

A ‘ No Claim Bonus’ (NCB) is a reward that the insurance companies give to car owners for not filing any insurance claims during the previous policy year. Adding on this bonus leads to discounts on premiums or enhanced ‘No Claim Bonus’ percentages. Failing to renew car insurance can cause you to lose your accumulated ‘No Claim Bonus’, even if it remains intact for up to 90 days following the policy's expiration.

5. Ensures hassle-free renewal:

Timely renewal of your car insurance policy ensures a seamless process without the need for vehicle inspections. Neglecting to renew your policy promptly can result in your insurer viewing you as a negligent car owner, potentially triggering a mandatory car inspection. Such inspections may reveal vehicle damages or wear and tear, reducing your car's ‘Insured Declared Value’ (IDV) or leading to higher premium amounts.

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.

Most people wonder, are airbags covered under insurance? Hence, understanding the coverage provided by zero depreciation insurance is crucial for well-informed decision-making regarding your vehicle's protection. Here, we will learn about the coverage of zero debt insurance type.

Does Zero Debt Insurance Include Airbags?

One specific aspect that car owners often inquire about is whether zero depreciation car insurance extends to cover essential safety features like airbags. Let's check: are airbags covered by insurance?

• Comprehensive Coverage

Zero depreciation insurance, known as "zero debt" or "bumper-to-bumper" coverage, generally includes airbag coverage.

• Full Compensation

With a zero-depreciation add-on, the insurance provider must compensate the total amount for depreciated car parts, encompassing the airbag replacement cost in India.

• Special Add-On Benefits

The zero-depreciation add-on ensures that even as your car ages, you receive comprehensive coverage without the impact of depreciation on essential safety components.

• Avoiding Depreciation Loss

This coverage safeguards you against the typical depreciation-related reduction in the claim amount for essential safety features like airbags.

The depreciation rate for vehicles plays a crucial role in the financial implications of car ownership. As a critical aspect of the Income Tax Act of 1961, depreciation reflects the decline in a car's value due to wear and tear. This influences various financial considerations regarding maintaining a vehicle. It illustrates the decrease in a car's value from its acquisition to its eventual sale.

In this blog, we will look into the details regarding the depreciation rate of four-wheelers, which will help you understand the value of your car and make the best decision related to its repairs and resale.

When does your car's value start depreciating?

A car's value depreciates when it is driven off the showroom floor. The depreciation rate is high in the early years, with a stabilisation seen in later years.

In India, the Insurance Regulatory and Development Authority of India (IRDAI) has recognised standard depreciation rates for insurance purposes.

The depreciation rates according to the age of the vehicle are.

• Up to 6 months: 5%
• 6 months to 1 year: 15%
• 1 year to 2 years: 20%
• 2 years to 3 years: 30%
• 3 years to 4 years: 40%
• 4 years to 5 years: 50%

These rates are utilised to calculate the Insured Declared Value (IDV) of a vehicle, which determines the compensation amount in case of theft or total loss.

What factors affect a vehicle's value over time?

Several factors influence how a car's value depreciates:

1. Brand reputation: Vehicles from established manufacturers, such as Honda, Toyota, Maruti Suzuki, and Hyundai, tend to retain value better due to consumer trust in the brand name.
2. Mileage: Higher odometer readings generally lead to lower resale values. However, cars from reputable brands may maintain value despite higher mileage, reflecting their durability.
3. Maintenance history: Regular servicing and proper maintenance enhance a car's lifespan and resale value. Vehicles with documented service records and extended warranties are more appealing to buyers.
4. Fuel efficiency: Cars with higher fuel efficiency are more desirable in the used car market, as they promise lower running costs for future owners.
5. Market demand: Popular models with high demand tend to depreciate slower compared to less sought-after vehicles.
6. Condition and appearance: Well-maintained cars with minimal wear and tear, both mechanically and aesthetically, hold their value better.
7. Age of the vehicle: Older cars generally depreciate more, but the rate can vary based on the factors mentioned above.
8. Model updates: The introduction of newer models or facelifts can accelerate the depreciation of older versions.
9. Economic factors: Changes in economic conditions, fuel prices, and government policies can influence car depreciation rates.
10. Technological obsolescence: Rapid advancements in car-related- technology can make older models less desirable for buyers, affecting their resale value.

How does the rate of car depreciation affect you?

Understanding car depreciation is vital for both current owners and those planning to buy a pre-owned vehicle:

• For owners: Being aware of depreciation helps you plan the best time to sell the car for optimal financial gains. It also helps in proper maintenance and usage of the four-wheeler to protect its resale value. We can also claim car loan tax benefits by presenting the car as a depreciating asset, with a 15% depreciation annually to curtail tax liability.
• For buyers: Knowing depreciation rates helps in making cost-effective purchasing decisions. Choosing brands and models known for retaining resale value can result in better long-term investments.

Additionally, depreciation impacts car insurance premiums and claims. A lower car value can reduce premium costs, but it also means a lower payout in case of total loss.

How to calculate the rate of depreciation of your car?

Utilising online calculators or scrutinising similar used cars' prices for estimates, you can get a rough idea of your vehicle’s depreciation rate.

Another way to calculate the depreciation is by multiplying the total cost of the car by a percentage that decreases every other year. This is done by keeping the steep depreciation rate of new four-wheelers in mind, which slowly stabilises once the vehicle has been used for some time.

Conclusion

Understanding the car depreciation rate is imperative for making informed financial decisions concerning car ownership. Whether integrating it into tax benefits, evaluating car insurance requirements, or contemplating resale value, a nuanced comprehension of how depreciation shapes a car's value over time is vital for maintaining financial equilibrium in vehicle ownership.

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.