Form 52

What is Form 52?

Form 52 is a cover note issued by an insurance company, which provides temporary proof of motor vehicle insurance. This form is issued immediately upon purchase of an insurance policy, ensuring the vehicle is legally covered even before the final insurance certificate is generated. It is issued as per the provisions of Chapter XI of the Motor Vehicles Act, 1988. This form is generally required during the vehicle registration process, for verification purposes, and in case of ownership transfer. It mentions the vehicle and owner details and is mandatory until the policy is issued.

What Details are Included in Form 52?

Given below are the details that are included in Form 52:

• Motor Vehicle Details: Registration mark/number, and description of the vehicle insured.
• Registered Owner (Insured): Name and address of the registered owner.
• Insurance Details: Date and time of commencement, date of expiry, and limitations to the use of the motor vehicle.
• Validity of the Cover Note: The expiry date up to which the cover note remains valid.
• Driving Entitlement: About persons or classes of persons entitled to drive the vehicle.
• Registering Authority: It also mentions the concerned RTO.

How to Download Form 52?

You can follow the steps given below to download Form 52:

• Step 1: Go to the official Parivahan Sewa portal.
• Step 2: From the navigation bar provided above, tap on 'Informational Services'.
• Step 3: Click on 'Downloadable Forms' from the list of options available.
• Step 4: Tap on the option provided for 'Form 52' to download it in PDF format.

How to Fill Out Form 52?

The steps to fill out Form 52 are as follows:

• Step 1: Enter vehicle details such as registration mark/number and description.
• Step 2: Enter the full name and address of the vehicle owner (insured).
• Step 3: Enter the start date and time of the insurance coverage.
• Step 4: Enter the insurance expiry date.
• Step 5: Mention who is allowed to drive the vehicle.
• Step 6: Specify the permitted use of the vehicle (personal, commercial, etc.).
• Step 7: Enter the validity period of the cover note.
• Step 8: Ensure the document is signed by the authorised insurer.

Importance of Form 52

Form 52 is essential for providing immediate, provisional proof of motor insurance coverage. Listed below are the pointers that highlight the importance of this form:

• Immediate Road Legality: It allows a vehicle owner to legally drive the vehicle or complete RTO formalities immediately after purchasing insurance, without waiting for the final insurance policy document.
• Provisional Evidence: It acts as evidence of compliance with insurance requirements under Chapter XI of the Motor Vehicles Act, 1988, while the insurer issues the permanent insurance certificate.
• Facilitating Registration: For new vehicles, the RTO requires proof of insurance to issue a permanent registration certificate. Form 52 acts as temporary proof when the insurance policy has not been issued.
• Protection: It provides coverage for the vehicle and its owner against third-party liability from the specified date and time noted in the note.

Common Reasons for Form 52 Rejection

The RTO or the authorities may not accept Form 52 cover note due to the following reasons:

• Expired Validity: If the cover note has exceeded its period of validity and has not been replaced by a formal insurance certificate.
• Unauthorised Insurer: If the cover note has been issued by an insurer that is not recognised and licensed by the Insurance Regulatory and Development Authority of India (IRDAI).
• Incomplete Data: If the cover note does not include the start date and time of coverage or the vehicle registration number.
• Missing Limitations: If the cover note does not mention the limitations on the use of the motor vehicle.
• Signature/Seal Issues: In case of absence of a valid signature or seal from the authorised insurance provider.