Checklist of Two-Wheeler Insurance Policy While Relocating Within India
India is known for its extreme vibrance and diversity. Every state in India has its own colour, culture, flavour, and way of life. In fact, even within states, dialects change every 100 kilometres. This makes the idea of exploring different lifestyles across the country really appealing. Moving from one Indian state to the other is a new experience. And like any new experience, you may have some initial challenges.
So, if you are planning to relocate and don’t know how to move your insured two-wheeler, don’t worry. Read on:
1. Decide the Visit Duration:
If you are planning to move to another state for a few months and return to your home state, you don't have to stress over transferring your two-wheeler insurance. You can ride with zero worries as long as you have a valid driving license and two-wheeler insurance. But, if you are moving for education or your new job, you will need a No Objection Certificate (NOC) from the Regional Transport Office (RTO) where your two-wheeler was insured. Apart from the No Objection Certificate (NOC), you will also need to submit a few other legal documents. Here’s a checklist:
2. Document Checklist:
A. NOC from RTO:
Here is a list of documents you will need from your Regional Transport Office (RTO) in order to transfer your two-wheeler to another state:
- RTO form number 27,
- RTO form number 28,
- Two-wheeler's registration certificate (RC),
- A valid insurance policy of the two-wheeler,
- A Valid Pollution Under Control (PUC) Certificate of the two-wheeler
B. NOC from Traffic Police:
Just like the NOC from the RTO, you will also need to present a No Objection Certificate (NOC) from your local traffic police. This is to confirm that there are no pending dues that need to be paid from your side.
C. NOC from Police Station:
Additionally, you will need to acquire a No Objection Certificate (NOC) from the police headquarters in your area. This is to make sure that there are no unsolved cases against you or your insured two-wheeler. This is considered to be a safety mechanism to check for criminal operations.
Once you have submitted all the required NOCs from the respective authorities, you can start applying to register your two-wheeler in the new RTO. Let’s say you are moving from Delhi to Bengaluru, you should get all the No Objection Certificates (NOCs) from Delhi, and register your two-wheeler in Bengaluru RTO. At that point, you will need to follow the Bengaluru RTO’s registration process.
4. Inform Your Insurance Provider
Although your two-wheeler insurance policy is relevant all over India, you should inform your insurance provider about the move. Since insurance providers consider your area when estimating your premium amount, you could save some money at the time of renewal.
1. What if I change my plans for relocation?
If you decide to cancel your plan for moving, you will need to inform the authorities about the same. If you already have a No Objection Certificate (NOC), you will need to apply for cancellation. If the transfer process has been started, you can ask for a Non-Utilization Certificate (NUC) from the destination city's RTO. Like discussed above, you should get a NUC from Bengaluru RTO to drop Delhi RTO's NOC.
2. Does relocating within India affect the two-wheeler insurance policy premium?
A few areas are considered to be more accident-prone than others. The main factor in deciding the premium amount for your two-wheeler insurance is the chance of an accident in that area. Other factors are the danger of two-wheeler theft and the population density in that region.
All regions are divided into Zone A and B. Zone A consists of big cities and towns while Zone B is restricted to smaller towns and rural areas. Therefore, if you are moving to a metropolitan city, you will need to pay higher for your two-wheeler insurance.
Relocating to a new city is an adventure in itself. However, you need to ensure that you are have successfully transferred all your necessary assets. Having a mode of transportation to explore a new place is extremely convenient. Therefore, remember to transfer your two-wheeler insurance policy before moving. The process of transfer of two-wheeler insurance policy is simple and straightforward.