Easy Steps to Transfer Car Registration from One Person to Another
With more people choosing to purchase second-hand cars or pre-owned cars over new cars on the rise, most people are in a fix when it comes to transferring the registration from the one person to another.
A lot of people choose to keep the registration in the name of the first owner, fearing depreciation of the value of their car, but with regard to insurance, this move will pose a problem. Second-hand car buyers will first need to first transfer the registration of the vehicle to their own name and then carry out the process of transferring the insurance of the car.
Steps to Carry Out the Transfer of Registration and Insurance
For those who are first-timers to the whole process, transferring the insurance as well as the registration is imperative as when making an insurance claim, the owner of the car as well as the name mentioned in the insurance document has to match to be eligible to avail coverage of the damage caused following an accident. This criteria is a must as per the guidelines of the Insurance Regulatory Department of India.
To carry out the process of transfer of registration and insurance, second-hand car buyers will have to follow the steps mentioned below. Customers will have to pay the Rs.50 transfer of registration fee and submit the following documents at the RTO.
- New copy of the registration certificate - Form 29. The form has to be attested by both parties involved in the buy.
- Old policy document - of the previous owner.
- No Objection Certificate (NOC) from the previous owner of the vehicle.
- New application form for transfer of registration - Form 30.
- The insurance company will then hand you an inspection report - following a thorough inspection of the vehicle.
- No-claim bonus certificate (if applicable).
How to Retain No-Claim Bonus While Transferring Registration to Another Person
Despite the fact that the original owner of the car wishes to sell his/her car, the owner can retain the no-claim bonus. By doing so, the owner can transfer his/her no-claim bonus advantage to their next insurance policy. The owner can then avail a discount in premium for the next insurance policy and be at the receiving end of several perks - related to the no-claim bonus. To carry out the process of the no-claim bonus retention, the original owner of the car will have to follow the steps mentioned below and submit the necessary documents.
- The owner will have to submit a request letter for policy cancellation.
- Original policy copy and certificate of insurance - Form 51.
- He/she will have to submit Form 29 (notice of transfer of ownership of a motor vehicle).
- Also Form 30 (application for intimation and transfer of ownership of a motor vehicle) will have to be submitted.
- Next, the photocopy of registration certificate with name of the new owner has to be submitted.
- Lastly, the proof of delivery of car to the new owner has to submitted.
As already mentioned, despite the fact that the transfer of ownership might depreciate the value of the car - that is if the new owner wishes to sell the car sometime in the future - having the transfer of registration and insurance is imperative if the new owner has to make an insurance claim. Insurance companies will only consider the claim if the name on the documents (registration certificate and insurance certificate) match. If not, the claim will be rejected immediately. That said, to avoid any confusion, making the transfer of both the registration of the vehicle as well as the insurance is absolutely necessary.
FAQs on Car Registration Transfer from One Person to Another
- What documents are required to transfer car registration to another person?
RC, Form 29 & 30, insurance, NOC (if applicable), pollution certificate, and ID proofs.
- How do I transfer car ownership online through the Parivahan portal?
Fill forms, upload documents, pay fees, and submit the application on Parivahan Sewa.
- Can I transfer car registration to a family member or relative?
Yes, you can transfer registration to a family member following the same legal process.
- How long does the car registration transfer process take in India?
Usually 15 to 30 days, depending on RTO processing time.
- Is a No Objection Certificate (NOC) required for transferring car registration within the same state?
No, NOC is generally not required for intra-state transfers.
- Can I transfer my car insurance to the new owner during the registration transfer?
Yes, you need to inform the insurance company and request the transfer.
- What are the charges and fees involved in transferring car registration?
Charges vary by state and include RTO fees, stamp duty, and sometimes road tax.
- What happens if I don’t transfer ownership after selling my car?
You remain legally liable for the vehicle until ownership is officially transferred.
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