Transferring Two-wheeler Ownership & Its Insurance

If you are a bike owner then you must be aware of the fact that it mandatory for every bike owner to have a two-wheeler insurance policy. When you purchase a new bike, you have to get it covered with at least third-party insurance. But when you decide to sell your existing bike to purchase a new one you have to transfer the insurance of the bike along with it.

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In India, many people purchase second-hand bikes. The buyer needs to get the bike inspected before buying and get the ownership transferred from the seller. To transfer the ownership of bike and insurance both parties have to go through a procedure. SO, let us start by telling you the process of transferring the bike ownership and the documents required to transfer it.

Transferring Bike Ownership

The procedure to transfer the bike ownership is as follows:

  • When you decide to sell your bike you have to write an application to the Regional transport office from where you got your bike registered.
  • The bike’s ownership can only be transferred when there is a buyer ready to purchase the bike or the bike owner is no more, in this case, the application must be submitted by the heir of the bike owner.
  • If you are selling your bike in the same state then it should be transferred within two weeks or if you are selling your bike outside of your state then officials should get informed about it within 45 days.
  • In case the owner dies during the process then the heir of the bike owner has to inform the authorities about the transferring procedure within 30 days of the death of the owner. Apart from this, it should be informed to the registering authority within 3 months of the transfer of the ownership.
  • Visit the Regional Transport Office and fill the forms 29 and 30 then submit them. Along with the form, you will have to submit the RC, Emission Certificate, Valid Insurance, and fitness certificate.
  • Applicant’s original address proof and 3 passport size photos.

Documents to Keep In Check

  • Registration Certificate of the bike
  • Pollution & Insurance Certificate
  • Form 28 is a no-objection certificate. The seller is supposed to submit 3 copies of it at RTO.
  • Form 29 states the selling and buying of the bike by two parties. There should be 2 copies that are supposed to be submitted at the RTO.
  • From 30, the buyer has to submit2 copies of it to the RTO.

Now let us move forward to the Bike insurance transfer from the seller to the buyer.

Transferring Bike Insurance to Buyer

Every year the motor vehicle companies come up with new and advanced bikes that lure you to purchase them and sell out your old ones. Once you decide to purchase your existing bike, you have to transfer the insurance of the bike along with it to the buyer.

Before transferring the ownership of the policy, you should inform your insurance company so that they can stay updated. On the other hand, it is important to transfer the insurance policy to the new owner because if the bike meets an accident in the future then the insurance company will not provide cover for anything. So, let us tell you that how can you transfer the ownership of a two-wheeler insurance policy to another person.

Transferring Ownership of Insurance

As we have told you about how to transfer your bike ownership in simple steps. Now let us tell you about how you can transfer your insurance ownership to the new owner of the bike.

  • Visit the RTO office where you got your bike registered.
  • Submit forms 29 and 30 along with RC, insurance documents, Emission test papers and other required ones to the directorate of the RTO. Also, submit your passport size photo as per requirement.
  • Once you submit all the documents and get done with the procedure, the RTO will verify them and if everything goes in order, they will transfer the insurance ownership to the new owner.

Situations & What to Do?

  • If the buyer lives in the same state then you will have to transfer the ownership within 2 weeks to the regulating party.
  • If the buyer lives in a different state then you will have to report about the transfer of the insurance to the regulating party within 45 days.
  • If the existing owner of the bike dies during the procedure then the buyer can inform the regulatory party of this within 30 days.


It is important for the owner of the bike to transfer the bike insurance to the new owner along with the bike so that they become eligible to raise a claim in case of an accident. Also, when you purchase a new bike then it is advised to purchase the two-wheeler insurance policy online so that you can avail of maximum benefits and offers online and it will be cost-effective for you than purchasing the insurance offline.

Written By: PolicyBazaar - Updated: 23 September 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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