Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Tips on How You Can Carry Your Car Insurance While Relocating

      Imagine that due to your consistency as a good performer, your company offers a project that demands you to relocate to another city. While you’re super excited,deep inside you're confused about how to manage the things all sudden, starting from packing to enquiring about the new place. And amidst the chaos, you forget completely about your car insurance. Oh shit...

      Read more

      Well, this happens. Moving to another city is really stressful. You have to manage everything from A to Z and in the middle of such challenges, possibilities that you may forget to think about what to do with your third party car insurance, are quite high. Not a big deal, now that we’re here.

      In this article, we’re giving some tips on how you move with your car insurance policy with you, when relocating.

      Intimate Your New Accommodation

      It is useful to update the new address with your insurer. It serves as a medium for communication, along with your contact number and email address. This helps the insurer to communicate with you regarding your car insurance to your new home address. The reason could be anything including car premium, renewal, coverage, NCB, claim settlement and so on.

      Re-registration is Necessary

      Once you move to another city, be it permanently or for a couple of months, re-register your vehicle with a local insurer to avail the local registration no. Don’t forget to inform your existing insurer, so he/she can update your policy records. This helps avoid any issue when you make a car insurance claim after relocating. This process compulsorily needs a No Objection Certificate from the Road Transport Authority where you used to live before moving. Hence, make the arrangements you have.

      Check for Network Garages

      At the time of purchasing car insurance online, the insurer assure customers that their services can be availed throughout the country. However, the insured can avail cashless services only at network garages. Therefore, it is important to check if the new place where you’re moving to has network garages. In case you need to get something in your car fixed or repair some parts through a network garage, they may not be available at your new location. Hence, you may end up paying from your pocket and then have it compensated through a claim. Sometimes though, the option of garages in some cities is limited.

      Influence on Your Premiums and Car Cover

      We can’t guarantee there will be a change in your car premium or not. It will entirely depend on the insurance company. However, it may vary depending on the risk covered. Again, the premium is also determined based on the zonal risk. Your insurer may ask you to pay a higher premium when you relocate to a naturally catastrophic zone like flood-prone or earthquake area. But, bear in mind that your insurance company wouldn’t provide assistance for towing the car to a roadside workshop or any help.

      Upgrading Cover

      According to the place, usually, your requirements change. Something that works well in an area may not work out as well, for another. Hence, when relocating to a new city, it is necessary to consider your present car insurance requirements and mend the gap. We strongly recommend that you get a comprehensive insurance with your existing third party insurance plan to protect your car from possible damage while standing on the roads. This would protect your car from theft, vandalism, man-made or natural disasters, terrorism, damage due to terrorist activities, riot or strike etc.

      Most Importantly- Your NCB Bonus

      No Claim Bonus is an important aspect of every general insurance policy. When you decide to relocate, you may be curious about what happens to the No Claim Bonus that you’ve earned. If you are thinking that you’re going to lose it, squish that thought in your mind- NCB is offered to the insured for every claim-free year and it follows you wherever you go. Let’s say you shift to a new city and purchase a new car. The No Claim Bonus will be transferred to your brand new car. Likewise, if you’re unhappy with the services of your current insurance provider or want to switch to a new one, your earned NCB will be transferred as well.

      You can consider these pointers at the time of relocation.

      Save Money When You Move

      If you want to save money on your car insurance, then look for all coverage options in the new city. You may find companies you’ve never known or heard of before offering good coverage that meets your needs as well. You should check these options in case you are moving to a place where the insurance premium seems comparatively higher.

      Though your existing car insurance provider may offer you a good discount, but you should still look for other available options at a cheaper price. Hence, an online comparison can be your best strategy. By comparing the plans, you can decide on a fair deal and this way, save money as well.

      How to Avoid a Coverage Gap?

      As per the Motor Vehicle Act in India, driving your car with an invalid car insurance is a legal offence. You may be caught by the traffic police leading to a huge penalty. So, if you want to avoid the gap in your car policy, never cancel the old one without buying a new one. Here you need a little speed and effort:

      • Make sure that your old car insurance policy is cancelled officially.
      • Contact your agent asking for start date of your new car insurance
      • Don’t forget to print policy document or other relevant documents regarding your insurance policy.
      • Ensure with the new insurance company that your vehicle will be covered while you are moving

      The Bottom Line!

      By being quick on your feet and doing a little research, you can handle the stress of relocating somewhere. While other things maybe a higher priority, don’t ignore your car insurance which will be your saviour, in case any unforeseen possibility knocks on your door!

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      • Recent Article
      • Popular Articles
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      17 Jan 2024

      How to Choose the Right Car Insurance for Your First Car?

      Buying their first car is no less than a milestone unlocked for

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration Number

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.