Updated on 31 Oct 2025

When you purchase a car, it is not only about the colour, model or brand. Each vehicle has its own individuality. This is kept in a unique code known as the Vehicle Identification Number, or VIN. Just like the fingerprint, no two cars share the same VIN. It holds a lot of valuable details about the vehicle, like where it was made, its features and more. You’ll need VIN while registering the car, buying car insurance or checking its history.

Let’s look into the what, why and how of this unique Vehicle Identification Number (VIN).

What is a VIN or chassis number?

A 17-digit code that includes both letters and numbers is known as a vehicle identification number. It is given to each vehicle during production. No two cars on the globe share the same VIN, which makes it an important identification tool.

It provides specific details including the vehicle's make, model, engine type, as well as the nation and year of manufacture. It is also sometimes called the chassis number, even though they may not be technically the same.

A VIN assists authorities, insurance providers, as well as owners in keeping tabs on things such as accidents or damage, ownership history, manufacturer recalls, theft or registration troubles.

Where can I find the VIN?

The VIN is typically stamped or printed in certain areas of the vehicle. The most common location is on the dashboard near the windshield on the driver's side. Stand outside the automobile on the driver's side and look at the lower-left side of the windshield to locate it. If not there, open the driver's door and look at the inner door frame or door post.

Here are additional areas where you can find your VIN:

• Under the hood, on the engine block
• On the steering column
• Near the spare tyre compartment
• In the inner wheel arch towards the left-hand side
• Radiator support bracket

 You can also find the VIN in the listed documents:

• Vehicle registration certificate
• Insurance papers
• Car title documents
• Road tax receipt
• The car's service history or emission test documents

In short, your VIN is likely to be listed anywhere your vehicle details are officially recorded.

What do the numbers and letters in a VIN mean?

Each part of the 17-digit VIN plays a specific role. Here is what they mean:

• First character: Region where the vehicle was manufactured
• Second character: The specific country within that region
• Third character: The manufacturer, or a specific division within the manufacturer
• Digits 4 to 8: Vehicle specifications (model, body style, engine, etc.)
• Digit 9: Security check digit (employed to verify errors)
• Digit 10: Year of production
• Digit 11: Manufacturing plant code
• Digits 12-17: Serial number of the vehicle

So, from this one code alone, you can find out a lot about your vehicle. That is why a lot of people look at the VIN when purchasing a used vehicle to ensure that the details of the car match what is on sale.

What if the VIN is not 17 characters long?

If your VIN is less than 17 characters, your vehicle might have been produced before 1981. Before 1981, VINs were of different lengths, typically between 11 and 17 digits. In 1981, worldwide standards shifted, and manufacturers began using the 17-character format.

Most contemporary systems, for example, VIN check companies or insurance providers, utilise only the 17-digit VIN for their operations. Therefore, the information about older vehicles might be restricted on the internet.

Is it possible to check for it online?

Yes, you can check the VIN online. You can use a government portal like VAHAN, manufacturer websites, or vehicle history check services to find out a VIN.

Here is how to check the VIN on VAHAN:

• Visit the VAHAN website
• Click on ‘Know Your Vehicle Details’
• Type your car’s registration number
• Hit ‘Search Vehicle’

Conclusion

Your vehicle identification number is not some arbitrary code. It's an important part of your car's identity. It is mandatory to use it everywhere, from vehicle insurance to registration and safety inspections. Understanding where you can find it when needed will save you time in those urgent situations, like when purchasing, selling or insuring your car.

While you're looking after the paperwork on your car and making sure it's all right, let us take care of keeping you safe on the road. Receive professional guidance on obtaining comprehensive car insurance that is tailored to you by completing the form on this page.

FAQs

•  Is the engine number and VIN the same?

No, the VIN represents the vehicle itself as a complete unit. Whereas the engine number only denotes the engine unit. They are used for different purposes.

• Is sharing my VIN safe?

Yes, sharing your VIN is safe. It's usually for verification reasons while selling cars, servicing and requesting insurance quotes.

• What if my VIN is altered?

Tampering with a VIN is against the law. If you think this has occurred, call your local RTO or police station immediately.

• Does every insurance company require a VIN?

Most insurers often require a VIN, especially if you're purchasing comprehensive insurance to ensure the policy meets your vehicle's specifications.

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.

Driving your own vehicle may provide immense pleasure to you. Apart from signalling the new-found independence and financial stability, it reflects your pride and status. However, regardless of the reason, purchasing a new car or two-wheeler also brings along certain legal responsibilities with itself.

Before the wheels are in motion, the law requires you to have a valid driving license and a motor insurance plan for your vehicle. While the former is obvious, a car insurance or bike insurance policy is mandatory since it covers you against the third-party liabilities that you may incur while driving on-road, apart from securing your newly-purchased machine against damages and mishaps.

Similarly, you need to obtain the Registration Certificate (RC) of your vehicle from the registration authorities under the Public Vehicles Department of India. As per the 2017 amendments to The Motor Vehicles Act of 1988, driving an unregistered vehicle without proper registration address is illegal and considered a punishable offence.

What is Vehicle Registration?

Registering your vehicle with the Regional Transport Office (RTO) of your area is mandatory under the Motor Vehicles Act. It includes the process of imbibing the credentials of your vehicle in government records after its due verification. It helps in establishing a link between the motor vehicle and the owner of that vehicle.

As per the law, a car, two-wheeler or any other type of vehicle must have two high-security registration plates (HSRPs) installed at the front and back of the vehicle. If one of these number plates are missing, then the vehicle-owner or driver can be fined by police or other authorities.

These HSRPs contains the registration number of the vehicle in modern Hindu-Arabic numerals with Latin letters, as prescribed by the RTO. The registration number of the vehicle follows a specific format. For instance, if the number plate reads ‘MH O4 EG xxxx’, the break-up of it is as follows:

• ‘MH’ are the initials of the state in which the vehicle is registered. In this case, ‘MH’ stands for Maharashtra.
• ‘04’is the code of the Regional Transport Office (RTO). In this case, it represents the Thane and Mulund region of Maharashtra.
• ‘EG’ are two letters which represents the series of alphabetical order in which all the cars are registered within the specified RTO.
• ‘XXXX’ is the four-digit unique registration number allotted to the vehicle.

You can even opt for customized registration numbers by paying a supplementary fee to the RTO. Additionally, the RTO also holds an auction for classic or fancy numbers as well.

Why is it Important?

Registering your vehicle is mandatory under the law and is also essential for establishing the proof of ownership of your vehicle. It is required for the purpose of sale of the new vehicle or for the transfer of ownership of the vehicle when you plan to resell it. Cars and two-wheelers with proper vehicle registration are only permitted to ply on Indian roads.

How to obtain the registration number of your vehicle?

As soon as you purchase a new vehicle, the dealer applies for its registration at the local RTO. Upon the receival of an application to register a vehicle, the RTO provides a temporary registration number so that the vehicle can be driven on road for RTO visits and other official errands. After the issuance of temporary registration number, you will be provided a permanent registration certificate within a month or so, confirming the ownership of the vehicle in your name.

The registration certificate for a newly purchased vehicle is valid for 15 years and then it has to be renewed every 5 years. In case you’ve to move to another state or union territory, you can drive your vehicle with the previous registration address for a maximum of 12 months, post which you need to re-register it with the local RTO.

How to Change your Vehicle Registration?

Under special circumstances such as the one mentioned above, you may have to re-register your vehicle with the new RTO and apply for the change in its registration address. For this, you need to visit the local RTO, where you want to transfer the vehicle, along with the following documents:

• Application in Form 33
• Original Registration Certificate
• Proof of new address
• Valid motor insurance certificate
• Pollution under control certificate
• No Objection Certificate (NOC) from the original RTO
• Attested copy of PAN card or Form 60 and Form 61 (as applicable)
• Chassis & Engine Pencil Print
• Signature Identification of owner

Updated on 27 Nov 2025
Purchasing a second-hand car or bike is an excellent way to save up funds. However, before you make the payment and take the keys, it's crucial to check the documents. When purchasing a used vehicle, the papers are just as essential as the vehicle itself. Without proper documents, you could face legal issues later on, be held accountable for things the previous owner did or even lose ownership rights.

In this blog, we will guide you through the documents you need, particularly the ones you need to submit to the RTO.

Forms to submit to the RTO

Once you have found a second-hand car or bike you want to purchase, and both parties have agreed on the price, it's time you begin the legal work. The seller and the buyer must visit the RTO and submit several forms. All these forms make the transfer of ownership official. Now, let’s take a look at them:

1. Form 29: Notice of transfer of ownership

Form 29 is a notice to inform the RTO that the current owner is selling the vehicle. It has to be filled out and signed by the seller. This particular form is submitted in duplicate (2 copies). It tells the RTO that the vehicle is being handed over to the new owner.

2. Form 30: Report of transfer of ownership

Form 30 is to report the transfer of ownership to the RTO. It's a follow-up to Form 29 and is submitted by the buyer. This form needs to be submitted within 14 days of the sale. It proves that the buyer is now responsible for the vehicle.

3.  Form 28: No Objection Certificate (NOC)

This form is required only when the vehicle is being moved from one RTO jurisdiction to another (for instance, if the car is bought in Bangalore but will be used in Delhi). It's also necessary if the vehicle is under a loan and it's registered in a different state. The seller should get this form signed by the previous RTO to confirm that there are no criminal cases or pending dues on the vehicle.

4. Form 35: Termination of hypothecation

If the bike or car was bought on a loan, the seller must provide a Form 35 and a letter from the bank stating that the loan has been fully paid and the hypothecation (loan agreement) has been cancelled.

5. Valid Pollution Under Control (PUC) certificate

This particular certificate shows that the vehicle satisfies the pollution control standards. It’s mandatory to have a valid PUC certificate at the time of the sale. The buyer must ensure that this certificate has not expired.

6. Valid insurance certificate

A vehicle cannot be transferred or driven on Indian roads without insurance. The two or four wheeler insurance should be valid at the time of the sale. After making the purchase, the buyer must transfer the insurance to their name.

The role of registration certificate when you buy a used car

The RC (Registration Certificate) is one of the most crucial documents when purchasing a second-hand vehicle. It proves who the legal owner of the vehicle is and includes certain important details, such as:

• Owner’s address and name
• Vehicle registration number
• RTO where the vehicle is registered
• Engine number and chassis number
• Registration date
• Vehicle class (commercial, private, etc.)
• Fuel type (CNG, diesel, petrol, etc.)

The RC must be original and not a photocopy. When purchasing a used vehicle, check that the RC matches the vehicle in every way. Make sure of the following things:

• There are no signs of forgery or tampering.
• The chassis and engine numbers on the RC match the ones on the vehicle.
• The name of the owner matches the seller’s ID proof.

Apart from that, you should also confirm that the RC does not mention any hypothecation/loan, or if it does, the seller should clear it and submit Form 35. If not, the vehicle still technically belongs to the bank. Once you purchase the vehicle, the RC needs to be transferred into your name. You must also submit the required forms to the RTO, which include Forms 29 and 30, along with the following:

• Original RC
• Copy of your address and ID proof.
• PUC certificate
• Passport-sized photographs
• Copy of a valid insurance

The RTO will update the RC and then send a new one with your name on it. This is your proof that you are now the legal owner. If you lose the RC before the transfer is completed, it will be difficult to prove ownership, and you might face issues in insurance claims, using the vehicle on the roads and even selling the vehicle in the future.

Conclusion

Purchasing a used bike or car is a wise choice, but only if the paperwork is in order. Always check the pollution certificate, insurance and registration certificate and then submit the required forms to the RTO on time. This will ensure you become a legal owner and avoid all future issues. With the correct documents, you can enjoy a new vehicle with no hassle.

While you take care of the legal matter, let us help you stay protected on the road. For helpful comprehensive or third party car insurance advice, just fill out the form on this page. We will guide you with the correct options based on your needs.

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.

Updated on 10-04-2025

Are you excited to sell your car and upgrade to a better model? That’s wonderful, however, selling a car comes with an additional set of responsibilities! While you may be focusing a lot on buying your new car, there are a few things you have to consider in regard to selling your old one.

You need to ensure that you transfer your motor insurance policy and other documents in the right manner to avoid any issues that may arise in the future. Here’s what you need to know for a smooth handover.

How to Transfer Car Insurance from One Person to Another In India?

You will continue to be held responsible for any liability related to the car, even after you sell it if you don’t follow the proper documentation process. To free yourself of future liabilities associated with your car, you need to pay attention to two aspects of the process: Transactional and RTO paperwork.

Here are the key steps to follow:

1. Inform the Insurance Company: Once the sale is finalised, the seller must inform the insurance company about the change in ownership and request for policy transfer.
2. Obtain a New Registration Certificate (RC): The new owner must obtain the updated RC in their name from the Regional Transport Office (RTO).
3. Submit the Required Forms: The seller needs to fill out and submit Form 29 (Notice of Transfer of Ownership) and Form 30 (Report of Transfer of Ownership) to the RTO and insurance provider.
4. Provide Necessary Documents: Both the seller and buyer must submit the required documents for the insurance transfer (listed in the next section).
5. Vehicle Inspection (If Required): Some insurance companies may require an inspection of the vehicle before approving the policy transfer.
6. Pay the Transfer Fee: The buyer may need to pay a nominal fee for the insurance policy transfer.
7. Receive the Transferred Policy: After verification, the insurer will issue a new policy document in the name of the new owner.

It is advisable to complete this process within 14 days of the sale to ensure uninterrupted insurance coverage.

Documents Required to Transfer Car Insurance to New Owner

Once you’ve finalized the deal with the prospective buyer, you should get a sale affidavit and delivery note signed by them. Make sure to attach the prospective buyer’s identity proof and address proof like PAN Card and Aadhaar Card. Don’t forget to attach the cheques that you are receiving as the payment to the sale affidavit. It’s essential to get the sale affidavit notarised and signed as it acts as an agreement transferring all vehicle-related liabilities to the buyer.

Here are the important car insurance transfer forms required by the RTO.

• Form no. 28
  This is an application for receiving an NOC from the registering authority. This is essential as it acts as proof that you have no unresolved liabilities or obligations related to the vehicle.
• Form No. 29
  This form acts as a notice to the RTO that the vehicle is being sold by the owner and that all required documents have been handed over to the buyer.
• Form No. 30
  This form acts as a confirmation of form no. 29.
• Clearance Certificate
  The clearance certificate is a simple application made to the RTO, informing them that your vehicle has been sold. It includes the details of the buyer, seller, and the vehicle.

No Claims Bonus in Car Insurance Transfer

The No Claim Bonus (NCB) is a discount offered to policyholders who have not made any insurance claims during the policy term. It helps reduce the premium for the next policy renewal. However, the NCB is associated with the policyholder, not the vehicle.

When selling a car, the NCB does not transfer to the new owner. Instead, the seller can retain it and use it for their new vehicle’s insurance. The buyer will have to build their own NCB from scratch.

Documents Required for NCB Retention Letter

To retain the NCB when selling your car, you must obtain an NCB retention letter from your insurer. The required documents include:

• Sale Agreement: Proof that the vehicle has been sold.
• Request Letter for NCB Retention: A formal request to the insurer.
• Copy of the Existing Policy: The current insurance policy of the sold vehicle.
• Delivery Note: Proof the vehicle has been handed over to the new owner.
• Cancelled Insurance Policy: Some insurers may require the previous policy to be officially cancelled before issuing an NCB retention letter.

Once the insurer issues the retention letter, the seller can use the accumulated NCB for insuring their new vehicle.

Can No Claim Bonus Be Transferred to the New Car Owner?

No, the No Claim Bonus is tied to the policyholder, not the vehicle. It cannot be transferred to the new car owner. The buyer must start from zero and build their NCB over time by maintaining a claim-free record.

However, if the seller purchases a new vehicle, they can apply the retained NCB to the new insurance policy, reducing their premium cost.

What Happens if the Car Insurance Transfer Remains Incomplete?

Failing to transfer the car insurance policy can lead to several complications:

• Claim Rejection: If the new owner files a claim without transferring the insurance, the insurer may reject it due to a mismatch in ownership details.
• Legal Liabilities: The original owner may still be held liable for any accidents or damages caused by the vehicle.
• Policy Lapse: Without a transfer, the existing policy may become void, leaving the vehicle uninsured.
• Traffic Penalties: Driving a vehicle with an insurance policy under a different name can lead to legal penalties.

To avoid these issues, ensure the insurance policy is transferred to the new owner immediately.

Why Do You Need to Transfer Car Insurance?

The buyer doesn’t have to take a fresh policy for the car; you can simply transfer your existing policy to them when you’re selling a car to them. Vehicle insurance transfer will also rid you of any legal issues that may crop up later. You must fill out a fresh proposal form and submit it to the insurance company. Attach all the documents listed above, as well as the previous policy. On receiving these documents, the insurance company will pass the endorsement of the transfer. The entire activity must be completed within a period of 14 days. Now you know the steps you need to go through for a hassle-free handover of your car and its policy cover. As important as it is to transfer your old car’s policy, it’s also crucial to get insurance coverage for your brand-new ride.

FAQs

1. Can I transfer my No Claim Bonus to another person?

No, the No Claim Bonus is non-transferable and belongs exclusively to the original policyholder.

2. Can I transfer RC without transferring vehicle insurance?

No, you need a vehicle insurance policy for transferring the RC to the new owner, because the insurance policy is required by RTO for the transfer of the RC.

3. How long does it take to transfer vehicle RC?

It can take 20 to 60 days to complete an RC transfer, depending upon the procedure and requirements of the RTO.

4. Can I drive the car immediately after buying it if the insurance transfer is pending?

Yes, but only for 14 days. After that, the new owner must complete the insurance transfer to avoid driving an uninsured vehicle.

5. What happens if the buyer does not transfer the insurance?

The existing policy may become void, leading to legal and financial complications for both parties.

6. Can I cancel my car insurance after selling my car?

Yes, once the transfer is complete, or if you choose not to transfer, you can cancel the policy and apply for an NCB retention letter.

7. Can I get an NOC online?

Yes, you can get an NOC from the RTO online through Form 28. After submitting the form and related documents with the RTO, you can easily obtain an NOC for selling your car.

8. What is the cost of transferring vehicle ownership?

The vehicle ownership transfer fee is different for each state. In Delhi, it is 300-500 rupees; in Maharashtra, it is 530 rupees.

Conclusion

Transferring car insurance is an important step in the vehicle sale process. It ensures the new owner remains protected while saving the previous owner from future liabilities.

By following the outlined steps and ensuring all necessary documents are in place, buyers and sellers can have a smooth transition without legal or financial complications. Always check with your insurance provider while buying car insurance online for specific requirements and guidelines to avoid any last-minute issues. If you plan to sell your car, don’t overlook the insurance transfer—it is as important as the sale itself!

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.

The advancements in technology have left no industry untouched. From automobile to aviation, every industry has adopted technology to come up with innovative products to woo their customers. Like other industries, the insurance industry as well has started implementing technological developments in their business operations, making it easier for their customers to access and buy their products.

Talking about the motor insurance sector, it has seen a rapid transformation in recent years. From innovative insurance products to Artificial Intelligence (AI) based premium calculation, technology has impacted this industry in multiple ways. Let's have a look at some of the most significant technological advancements that are revolutionising the motor insurance industry:

Use of telematics for premium calculation

The insurance companies have adopted a concept called 'Usage Based Insurance' where telematics devices are attached to vehicles to monitor the risks associated with it. These telematics devices record the driving patterns of vehicle owners, including the distance travelled by them each day, the average speed at which a vehicle is driven, and how safely it is being driven.

These records are then used to calculate vehicle-specific motor insurance premiums, based on the risk associated with each vehicle. For example, if a car is regularly driven at high speeds on highways, the insurance premium for it will be higher as compared to a vehicle which is being driven at low speeds inside a city.

The adoption of telematics ensures a fair price for car insurance customers as it increases affordability for those who drive less and practice safe driving habits. It also helps insurance providers to accurately determine accident damages and reduce the number of fraudulent claims.

ICICI Lombard is one of the few insurers in India that uses this technology to offer vehicle-specific motor insurance policies. A vehicle owner can choose an insurance plan for his/her vehicle, based on the kilometres that he/she shall be driving in a year. In case the coverage gets exhausted, there is an option to get a top-up.

Installation of dashboard cameras for maximum car security

Insurers have started installing cameras on the dashboard of a car. These cameras can record forward, sideward, and even rearward videos. These recordings can be beneficial and can be used as evidence in case a policyholder gets involved in an accident. It provides insights about the accident to the insurers and helps them to determine the authenticity of a claim.

This will not only help in bringing down the fraudulent claims but also in expediting the claim-settlement process. Not only for four-wheelers, but some insurers are also even providing helmet cameras for two-wheelers to record an accident scene.

Smartphones apps for every insurance-related help

Many insurers in India have introduced their smartphone apps with which a user can get any help related to his/her motor insurance policy within minutes. The apps can be used for multiple purposes, such as to buy or renew the policy, raise a claim, or call for roadside assistance in case the need arises.

Additionally, these apps can be synced with car's dashboard camera so that it can record videos of an accident, record conversations with witnesses and other parties involved in the accident, and capture any relevant document on the scene. Through these apps, the policyholders can also get on a video chat directly with the insurer's representatives and justify their claim.

Use of blockchain technology

Many motor insurance companies in India have started integrating blockchain technology into their existing workflows. This helps other insurance players to access data regarding insured vehicles, including smart card details, owner details, telematic records etc.

This makes it easier for them to identify the claims and verify its authenticity. It also helps the insurers to reduce the time required for the underwriting of claims. They can now easily tap into online databases and check the vehicle owner's data and quickly assess the claim amount to be paid.

The Motor Vehicles (Amendment) Act 2019 came into effect on September 1, 2019, with an intent to curb road accidents in India and boost road safety. This massive update to the Motor Vehicles Act 1988 has led to the introduction of fresh penalties and license requirements for vehicles along with new operating standards for both personal and commercial motor vehicles.

The new Motor Vehicles Bill brings forth a jaw-dropping surge in the fines for traffic rules violators. The Bill also seeks to spread awareness towards road safety and aims to discourage drivers from flouting traffic rules and regulations.

Here are some of the key points of the Motor Vehicles Act (Amendment) Act 2019 that you must know:

• Mandatory Motor Insurance:

The Bill instructs the Central Government to create a special Motor Vehicle Accident Fund that will be designed to provide compulsory vehicle insurance to vehicle owners. Car insurance and two-wheeler insurance offered by the Government has been targeted to ensure:

• Medical treatment for road accident victims under the ‘golden hour’ scheme.
• Monetary compensation to the next of kin of a person who has died in a ‘hit and run’ accident.
• Monetary compensation to the next of kin for a person grievously injured in a ‘hit and run’ accident.
• Monetary compensation for to other victims as identified under the new guidelines.

• Vehicle Recall:

Under the amended Motor Vehicles Act 2019, the Central Government reserves the rights to recall a vehicle of any make and model if it poses a persistent threat to drivers, environment or the public at large. The ‘recall’ use has been hailed as a great step towards bringing accountability in the auto industry. With the recall clause, a vehicle manufacturer will be liable to:

• Provide full reimbursement to the vehicle owner against the recall.
• Substitute the recalled vehicle with a replacement vehicle that has similar or higher specifications.

• Road Accident Compensation:

The amended act prescribes compensation and immediate cashless treatment for accident victims with the ‘golden hour’ period. Under the clause, the golden hour is described as the ‘one-hour’ post a major accident, wherein prompt, life-saving medical treatment can be given to the victim, thus saving his/her life. The act also envisions providing interim relief to third-party insurance claimants, seeking compensation.

• Minimum compensation in case of death in a hit & run case: Rs. 2 lakh.
• Minimum compensation in case of grievous injury in a hit & run case: Rs. 50,000.

• Legal Protection for Good Samaritans:

Under the good samaritans provision, any civilian administering aid (medical/non-medical) to an accident victim will not be pursued with legal/criminal action due to the death of the victim. The same is applicable in the case of seriously injured victims. However, the legal cushion is based on three factors:

• The assistance given to the victim should be in good faith.
• The assistance should not be based on rewards expectations, monetary or otherwise.
• The assistance given should be entirely voluntary.

• Increased Penalties:

The main talking point of the new Motor Vehicles (Amendment) Act 2019 is the steep rise in the monetary penalties for traffic violators. Despite facing opposition from various sections, the hiked penalties have been enforced and have already witnessed rigorous implementation. If you drive without motor insurance then you will have to pay high penalty.

A majority of the states have welcomed this surge aimed at reducing traffic violations, drastically. Below is the full list of traffic violations and their revised fines as per the Motor Vehicles (Amendment) Act, 2019:

Traffic Violations & Increased Penalties

Traffic Violations	Previous Fines (Rs.)	Revised Fines (2019) in Rs.
Travel without a ticket (public transportation)	200	500
Driving without license	500	5000
Overspeeding	400	● 1,000 for light vehicles ● 2,000 for medium vehicles
Driving under the influence	2,000	10,000
Dangerous driving	1,000	Up to 5,000
Vehicle speeding/racing	500	5,000
No helmet	100	1,000 + 3 months suspension
Driving without insurance	1,000	2,000
Two-wheeler overloading	100	1,000 + 3 months license suspension
No permit vehicle	100	1,000 + 3 months license suspension
No seat belt	100	1,000 + 3 months license suspension
Riding without a helmet	100	1,000 + 3 months license suspension
Juvenile offences	N/A	25,000 fine for the guardians with 3 years jail term. Juvenile to be tried under the Juvenile Justice & Protection Act
Violation of licensing by cab aggregators	N/A	25,000 to 100,000
Driving post-license disqualification	500	10,000

• Insurance Cover – Top Priority

Be it car insurance or two-wheeler insurance, getting vehicle insurance policy done right has become a top ’to-do’ on everyone’s list. You can buy car insurance online or get your vehicle insured through third-party insurance companies.

With the implementation of Motor Vehicles (Amendment) Act 2019, rules and penalties have become stricter, thus getting yourself the obligatory insurance cover is of greatest significance.

The enforcement of the Act will ensure that the vehicle owners, especially who have two-wheelers will now be more inclined to opt for vehicle insurance. Now, if you are wondering how to avoid the steep fines and penalties for traffic violations, then simply follow this:

“Wear a helmet, put the seatbelt on, don’t drink & drive, stay in your lane, keep your license handy, and most important of all, keep your car and your loved ones safe with motor insurance."

Importing a car into India can be an exciting prospect, especially for automobile enthusiasts looking for specific models not available in the domestic market. However, the process involves several regulations, documentation, and costs that must be carefully understood before making a decision. In this blog, we’ll highlight the key things you need to know to ensure a smooth and compliant car import experience in India.

When can you import a car?

You are allowed to import a car in India only under the following circumstances:

• If Indian companies do not manufacture the car.
• If the car is not registered in any other country, under any of their laws.
• If the car is not leased or loaned at the time of importing.

The type of car you can import

It’s important to know that importing a car in India is permitted only through certain customs ports. They are as follows:

• Mumbai
• Nhava Sheva
• Delhi Air Cargo
• Chennai
• Kolkata
• Cochin
• Tughlakabad

Who can import vehicles to India?

The following groups are allowed to import vehicles under government rules:

• NRIS: As an NRI wishing to come back to India permanently, you can bring in a car under some terms and conditions.
• Foreign embassies and diplomats: Embassies and diplomats don’t have to pay import duty on cars if they get the required clearances.
• Charitable and religious organisations: These organisations can import foreign donated vehicles if they have obtained pertinent documents and licences.
• Legal heirs: If your overseas relative is no longer alive and left a vehicle behind, the legal heir of the deceased person in India may import the vehicle.
• Automobile producers: India's vehicle producers or vehicle developers can import cars for development, testing or homologation.
• Government institutions: Government institutions or research and development institutions can import official vehicles or vehicles for scientific purposes under special schemes.

Things to note when importing a car via a dealer

You can always seek the help of a dealer to import your new ride to India, which will make the process easier and quicker. However, to do the same, you need to follow certain guidelines as listed below:

• Get the Road Worthiness Certificate issued by any testing agency in the country. This ensures that your importation certificate complies with Rule 126 under the Central Motor Vehicle Rules, 1989.
  
  
• While importing the car, you must submit written proof that confirms the compliance certificate, as required under Rule 126 of the Central Motor Vehicle Rules, 1989, will be submitted within six months of the importation process.

Procedure and documents required

Once you’ve confirmed that you’re eligible to import a car, the second half is doing so using the right procedure and with the right documents:

• Import licence: If the vehicle is not freely importable, obtain an import licence from the Directorate General of Foreign Trade (DGFT).
• Bill of lading: A carrier-confirmed freight document containing minimal shipment information and serving as proof of car ownership.
• Clearance customs: Car clearance under inspection at the proper customs port and payment of commensurate import duties.
• Vehicle invoice and purchase documents: Used as proof of car value, purchase details and customs valuation.
• Roadworthiness certificate: To ensure the vehicle's safety, obtain this certificate from a certified import agency in the country of import.
• Compliance certificate (Rule 126 CMVR): Before registering the vehicle, you must submit a signed statement that you’ll get a compliance certificate from an Indian test lab (as per Rule 126).
• Insurance cover: You must purchase car insurance before you can drive your imported car in India. It ensures you are financially protected against accidents, theft or damage.
• Registration in India: Once the customs clearance formalities and conformity testing are done, the car must be registered in the Regional Transport Office (RTO). Your new registration number certificate will be provided to you.

Import duties on cars

This can be one of your main concerns while importing a car in India. The following are the applicable import duty rates for importing a car in India:

Exceptions

The rules and procedure for the import process, as explained abovee will differ in a few of the cases stated below:

• If you are an NRI
• If the car belonged to a deceased individual residing abroad
• If you’ve won the vehicle as an award or gift in any event or competition
• If you are a differently abled person
• In case the car is awarded to a charitable or religious institution

Frequently Asked Questions

• Is a second-hand car importable to India?

However, second-hand cars are subject to higher import duties and must meet Indian safety and emission norms.

• Can I import a left-hand drive vehicle?

India only permits right-hand-drive vehicles in general. Left-hand-drive vehicles are not permitted except when imported for specific purposes, such as research work or exhibition.

• Is there a maximum age limit for the vehicles that I can import?

Yes, used imported vehicles should be under three years old and conform to Indian road standards and safety norms.

Conclusion

One can import a vehicle to India, provided an individual is eligible and does the right thing in line with the law. One should be cautious from the time they receive the correct documents to the customs and RTO regulations. Finally, don't forget to ensure your vehicle has a proper comprehensive car insurance policy to protect against damage. So, your beloved vehicle will be safe, insured and roadworthy right when it reaches the country.

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.

Purchasing a car is a significant decision, not only emotionally, but also financially. While many prefer new vehicles, others see second-hand cars as a more practical choice. If you are planning to buy a car, you can consider a second-hand car.

Let’s discuss the advantages of purchasing a used car, as well as the tips before finalising the purchase.

Facilitates affordability and savings

Second-hand cars are significantly cheaper. With cars losing their value over time, you can purchase a sought-after model at a relatively lower price. This also means reduced monthly EMIs if you are taking out a loan.

Minimising the depreciation of your vehicle

The value of a new car starts depreciating from the moment it is driven out of the showroom. Typically, the market value of a car decreases by about 20% per year for the first few years after its purchase. This means that a new car will lose roughly 50% of its value during the first two to three years. Though various cars have different depreciation rates, some luxury cars have a steep depreciation rate over the first few years.

Cars that are in low demand also lose their value quite significantly over time. You can avoid that hit by buying a second-hand car, as it would have already suffered its maximum depreciation by then and will not lose much value in the forthcoming years. Some of the factors that you should keep in mind before calculating the depreciation and buying a second-hand car at much cheaper rates include:

• Brand: Some brands have prolonged value due to their popularity, while others lose their value significantly due to increasing competition. Thus, thorough research can get you close to 60 per cent of a car’s price in three years.
• Vehicle Condition: It is recommended to check the fuel exhausts and any oil leaks before choosing your second-hand car, which gives you the power to bargain better and save money on future repairs
• Performance: A car offering better distance per litre of fuel is your best bet, as it will not only save you money but is also an indicator of a car’s good performance.

Avoiding the registration fees and other charges

When you buy a new car, you will have to make numerous payments to the government, such as one-time registration fees, road taxes, and other RTO charges, which swell up the on-road price of the vehicle. Opting for a used car is instead a better option to avoid these extra charges, as it would have already been paid by the first owner of the vehicle.

Full assurance and warranty for the vehicle

Most recognised pre-owned car dealers provide service history and warranties for the cars they sell. This assurance ensures that the vehicle is in good condition. Even individual sellers can provide receipts, original manuals and service reports of their vehicles when you buy a second-hand car.

Add-on installations at no extra price

Many vehicle owners install add-ons like a protective film on windscreens, spoilers, bumper guards, alloy wheels, etc. They not only provide an additional protective layer to the car but also add to its looks. If you try to install these features in a new car, you will have to shell out a hefty sum of money. Buying a second-hand car can help you get pre-installed accessories at no extra cost.

Reduced rates for car insurance premiums 

Insurance premiums are based on the value and age of the vehicle. A second-hand vehicle usually has lower premiums for third-party car insurance.

Certified pre-owned vs. regular used cars

Certified pre-owned vehicles are inspected, serviced and approved by brand-authorised dealers. They are usually provided with a warranty and roadside assistance in case of a breakdown. They cost more than a regular used car, but you get additional reliability and reassurance.

On the other hand, regularly used cars are cheaper, but the health of the vehicle may be compromised. Make sure you inspect the car, test drive and verify documents before purchasing.

What to check before buying a used Car?

Here are some main things or components to check before you buy a used car:

• Engine and mileage: Check the engine quality and mileage of the car.
• Service history: Ensure the vehicle has been routinely serviced.
• Exterior and interior condition: Check for rust spots, dents, leaks and upholstery conditions.
• Test drive: Be attentive to unusual noises. Test brakes, steering, air conditioning and suspension.
• Documents: Check that the registration certificate (RC), insurance, pollution certificate and loan clearance (if applicable) are up to date.

Tips for negotiating a good deal

• Know the present market prices.
• Use minor flaws as a point of negotiation.
• Inquire about the price of future services or expenses.
• Compare quotes from both private owners and dealers.

Legal and RTO formalities

• Ensure the transfer of ownership at the RTO when you buy a used car.
• Obtain a no-objection certificate (NOC) if the RTO is in a different state.
• Get the insurance in your name.
• Verify pending challans or loans associated with the vehicle.
• Apply for a change in registration number if moving the car to another state.

Contribute to the environment

Purchasing a used vehicle is an environmentally friendly decision. It minimises the demand for fresh materials and decreases factory emissions. Recycling a car is both pragmatic and good for the planet.

Conclusion

A second-hand car can be a wise compromise between practicality and cost savings. You get more value for your money, lower insurance premiums and fewer worries about depreciation. Taking the time to check the vehicle condition and negotiation will get you a reliable car that will last for many years.

While you make the effort to purchase the right car, let us ensure that it is protected. Fill out the form on this page and gain professional advice on four-wheeler insurance. We'll assist you in selecting smart coverage for your new vehicle.

FAQs

• Is maintenance more expensive for a used car?

A used car may face unexpected issues and the maintenance cost may increase. When buying a used car, inspect the service history and purchase from reliable sellers or dealers.

• Can I transfer insurance to my name after purchasing a used car?

Yes, you can transfer the existing policy in your name by approaching the insurance provider with relevant documents.

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.

Until recently upon purchasing a motor vehicle, you had the option to customise the license plate with colour, language and font of your choice. However, all of this has changed with the Ministry of Road Transport and Highways (MoRTH) bringing about amendments in the Central Motor Vehicle Rules, 1989.

The new mandate requires all vehicles sold on or after 1st April, 2019 to be affixed with High Security Registration Plates (HSRPs). and to have a motor insurance for your vehicle is also a important factor. These plates will form a uniform pattern of displaying motor vehicle registration numbers across the country. The Ministry has taken this step to curb vehicle theft and enable easy tracking of lost or stolen vehicles.

Let’s discuss further about this new rule, how the new plates look like and how these are different from the ones already existing in our vehicles:

How do I get an HSRP for my vehicle?

According to the Ministry’s new rule, a vehicle manufacturer has to provide these HSRP to the dealers along with the vehicle. Once you make a purchase, the dealer will stamp the allotted registration number on the plates and fix them to your vehicle. You should have a two wheeler insurance or a car insurance along with the high security registration plate to stay protected during any emergencies.

Auto makers need to ensure that dealers have the necessary infrastructure to place the mark of registration on the HSRPs and print the third registration plate, wherever required. The new rule also states that the cost of an HSRP and the cost of affixing it to the new vehicle after placing the mark of registration should be included in the price of the vehicle. Thus, if your dealer demands an additional amount for the HSRP, you know that it is against the rules.

Moreover, the HSRPs come with a guarantee of 5 years, wherein if it is damaged or its letters or numbers fade away, the dealer who fitted the plate will replace it free of cost.

What does an HSRP look like?

The HSRP are made of aluminium and come with reflective tapes. They are hot-stamped with a chromium-based hologram of the Ashok Chakra in Blue on the top-left corner. At the bottom-left corner, a 10-digit permanent identification number (PIN) is etched with laser. In the middle of the chakra hologram and the laser code, ‘IND’ is inscribed in Blue.

‘INDIA’ is inscribed in font size 10, font type Arial Bold and colour Blue at an angle of 45-degree in hot stamping foil across all letters and numbers on the plate. The plates also feature two non-removable snap-on locks that, if somehow removed, will remain non-usable.

Besides the front and rear registration plates, a chromium hologram sticker with high refractive index is affixed on the bottom-left corner of the windshield from the inside. This self-destructive sticker is the third registration plate that contains details like the 10-digit PIN, the actual registration number, the engine and chassis numbers, the date of first registration of the vehicle and the name of the registering authority.

The specified background colour of the hologram sticker/third registration plate is orange for diesel vehicles, light blue for petrol and CNG vehicles and for grey for other vehicles.

Does my old vehicle need a new HSRP?

Yes. As per the Ministry of Road Transport and Highways (MoRTH), existing vehicles will also have to switch to the new HSRP. For the purpose, you have to visit your car dealer. You will be required to surrender your old registration number and destroy the number plate.

After the process of registration is over and the HSRP is affixed to your vehicle, the new registration number will be electronically linked to your vehicle.

Why is HSRP important?

You might wonder why your existing registration plate needs to be changed at all as it seems to serve its purpose well enough. However, it must be noted that the old number plates are very easy to tamper with, which makes stealing a vehicle very easy. Also, the first thing that thieves generally do after stealing a vehicle is remove the number plates.

Further, some of us customise our vehicle’s number plate very artistically, which makes it difficult for anyone, including the police, to read. Consequently, the police fails to track down such a vehicle in case it is lost or stolen. The uniquely styled HSRPs are a one-stop solution to all these problems as these plates are tamper-proof and act as a deterrent to thieves.

In India, currently, the data related to all the cars, bikes and trucks is handled manually which results in discrepancies. HSRPs will aid in creating a national database of all motor vehicles in the country.

Hence, if you are planning to buy a new car, ask the dealer to provide you with a HSRP and check for all the features mentioned above. If you already own a car or motorcycle, get in touch with your dealer and get your HSRP as early as possible.

You must also procure car insurance or two wheeler insurance for your car or bike, respectively, to stay protected against motor vehicle-related emergencies. It will help to tackle sudden expenses, in case, your vehicle breaks down or you meet with an accident.

Benefits of HSRP

The key benefits of HSRP are:

• Enhanced Security: Prevents tampering and duplication.
• Government Compliance: Helps meet legal requirements and avoid fines.
• Easy Vehicle Identification: Assists authorities in tracking vehicles efficiently.
• Standardised Format: Ensures a uniform system nationwide.
• Protection Against Theft: Unique codes prevent unauthorised use.

How to apply for HSRP online?

Applying for an HSRP online is simple and convenient. Follow these steps:

1. Visit the authorised HSRP portal for your state.
2. Provide vehicle information such as registration number.
3. Select a fitting location (RTO or dealership).
4. Make the required payment online.
5. Book an appointment for plate installation.
6. Visit the selected centre with the necessary documents, including comprehensive car insurance details, and get the HSRP affixed.

Conclusion

High-Security Registration Plates are an important step taken by the government for enhancing vehicle security and ensuring that people comply with government regulations. Benefits such as theft prevention, standardisation, and easier vehicle tracking, make HSRPs a must-have for all vehicle owners. Ensure timely application and installation to avoid penalties and contribute to a secure and efficient vehicle registration system. Also buy car insurance on time, to give your vehicle complete protection against any unforeseen event.

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. 

Things to know before getting a CNG Kit

Spiralling petrol and diesel costs are enough to convince car owners to get a CNG kit. When petrol costs ₹72 per litre, diesel costs ₹ 60 per litre and CNG costs only ₹43 per kilogram*, it is obvious you will consider getting a CNG kit for your car.

A CNG kit can bring a stark improvement in your car's mileage. It can reduce the average cost per kilometre by ₹3 to ₹5 depending on your car's model. It is not only economical but also eco-friendly. But befor. CNG kits are a smart choice to save on fuel cost and reduce pollution and similarly a car insurance policy is recommended to cover the increase in the maintenance cost of the vehicle. you plan to buy it for your car, here are a few things you should know:

Compatibility and Licensing

Before getting a CNG kit you must check your car's compatibility with the CNG fuel system because not all cars are compatible with it. Even if your car is compatible, you will further need approval from the government to get a CNG kit.

Getting an approval from the local authorities can be hectic and time consuming. Once approved, you will get a 'Registration Certificate' (RC) branded with “fuel change” after which you can use the CNG kit. However, if you plan to get the kit for a new car, it will take much less time than converting your old car and getting its RC stamped.