Bike Ownership & Bike Insurance Transfer Process

In India, when buying a used or second-hand bike, inspecting the vehicle and transferring ownership from the seller is crucial. This involves a specific process. If you are also willing to do the same, you must follow steps to transfer bike ownership and its insurance. Let us learn how this works.

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How to Transfer Bike Ownership?

If you are planning to buy a second-hand or used two-wheeler, you might want to know these essential tips about two-wheeler ownership transfer process:

  • Tip 1: When you decide to sell your bike, write an application to the Regional Transport Office (RTO) from where your motorcycle is registered.
  • Tip 2: The bike’s ownership can only be transferred only in two conditions:
    1. When there is a ready buyer
    2. When the bike owner is no more. In this case, the bike owner's heir must submit the application.
  • Tip 3: If you are selling your bike in the same state, then it should be transferred within two weeks (14 days), and if you are selling your bike outside of your state, then officials should be informed about it within 45 days
  • Tip 4: 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 bike owner's death. Other than this, they should inform the registering authority within three months of the transfer of ownership.
  • Tip 5: Visit the Regional Transport Office, fill out Forms 29 and 30, and submit them. Along with these forms, submit the RC, Emission Certificate, Valid Bike Insurance Policy, and fitness certificate.
  • Tip 6: Also, submit the address proof and three passport-size photographs.

When you are planning to sell your bike, there are certain things that you must have to keep in mind. The vehicle ownership transfer involves the transfer of ownership and bike insurance policy by intimating the official RTO. Moreover, certain documents are required to successfully transfer ownership in the buyer's name.

Documents Required for Transferring Bike Ownership

Below is the list of documents that you must have to transfer the two-wheeler ownership:

  • Registration Certificate for 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 submit 2 copies of it to the RTO.

Documents Required for Transferring Bike Ownership in Case of Owner's Death

  • Fill up and submit Form 30 with the chassis print affixed.
  • Fill up Form 31
  • Fill up Form TCA and TCR for transport vehicles.
  • A Death Certificate (DC) of the two-wheeler owner
  • An affidavit from the successor, succession certificate, and NOC from the bank or financer (if any)
  • All the valid documents of the vehicle should be submitted. Also, as per Rule 81 of the Central Motor Vehicles Rules 1989, submit the vehicle documents with the registration fee.

You may also read: How to Check Vehicle Owner Details by Registration Number?

Bike Ownership Transfer Fees in India

Once you submit all the documents mentioned above to the RTO officer, they will verify all the details and put the signature on the ownership transfer application. You must pay a nominal fee to the respective authority, who will provide you with the acknowledgement slip.

Here is a table showing the standard applicable charges for transferring bike ownership:

Particulars Applicable Fees in Rupees
Transfer Fee Rs 30-35 (might vary from RTO to RTO)
Smart Card Fee Rs 200

*Disclaimer: The fee mentioned above might vary based on the RTO where you are willing to transfer your vehicle.

Other Associated Fee

Apart from the transferring fee, other costs could be involved, such as the fee for submitting address proof.

If the vehicle's buyer resides in the rental home, they must submit a stamp paper of Rs 20 from the notary. Along with it, a letter from the HR of their organization or company that states their current residential address.

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

Transfer Bike Insurance to the New Owner

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

Before transferring the policy ownership, you should inform your insurance company so that they can stay updated. On the other hand, transferring the bike insurance policy to a new owner is important because if the bike meets an accident in the future, the insurance company will provide financial coverage for the damages caused to the insured vehicle.

Let us understand the process of two-wheeler insurance name transfer online to another person.

How to Transfer Bike Insurance to a New Owner?

Here are a few steps that you need to fulfil to transfer two-wheeler insurance ownership:

  • Step 1: Visit the RTO office where you got your bike registered.
  • Step 2: Submit forms 29 and 30 along with RC, two-wheeler insurance documents, emission test papers, and other required documents to the directorate of the RTO. Also, submit your passport-size photo as per requirement.
  • Step 3: Once you submit all the documents and finish the procedure, the RTO will verify them. If everything goes in order, they will transfer the insurance ownership to the new owner.

Things to Keep in Mind While Transferring Bike Insurance to New Owner

  • If the buyer lives in the same state where you reside, you must transfer the ownership within two weeks (14 days) to the regulating party.
  • If the buyer lives in any other state, you will have to report the insurance transfer 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.


The bike owner must transfer the bike ownership and insurance policy on time. Also, when you purchase a new bike, it is advised to buy a two-wheeler insurance policy online so that you can avail of maximum benefits during any mishap or accident. For affordable deals, you can visit & compare multiple bike insurance quotes online offered by top motor insurance companies in India. Moreover, a range of add-on covers is available to enhance your coverage.

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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