Moving Wheels: A Guide On Managing Car Insurance When Relocating Within India


Embarking on a move within India? Navigate the transition seamlessly with this guide. Discover essential tips to adapt your coverage, ensuring a smooth relocation for your vehicle.

1. Upgrading Your Coverage

As you prepare to move to a new city or state within India, evaluating and potentially upgrading your online car insurance is essential. While your coverage is valid nationwide, shifting from a tier 2 city to a bustling metro may expose you to increased traffic density and accident risks. Consider transitioning from a primary third-party insurance to a Comprehensive Car Insurance policy. The latter provides broader protection against theft, calamities, and accidents, offering financial security in more developed urban areas.

2. Strengthening Your Policy With Add-Ons

Discover add-ons to elevate your comprehensive policy. Align them with your needs and location-specific risks. For family travel, consider the Passenger Cover Add-on; for flood-prone areas like Mumbai, opt for the Engine Protection Add-on, adding extra security to your vehicle.

3. New Insurers

As your car insurance expires during your move, consider exploring the options provided by the latest digital-only insurers. The landscape of India’s car insurance market has evolved with digitisation, making it convenient to switch and purchase policies online. Modern insurance companies simplify the claims process, eliminating the need for in-person visits or extensive paperwork. Embrace the ease of digital transactions when renewing or acquiring your online car insurance. You can use a car insurance premium calculator to estimate the costs of premiums to be paid.

4. Securing RTO’s No Objection Certificate (NOC)

If your move involves a change in your vehicle’s registration state, obtain a No Objection Certificate (NOC) from the Regional Transport Office (RTO) in your current state. This certificate signals that your previous state’s RTO has no objections to your vehicle being registered in a different state. Following this, complete the registration process in your new state to comply with legal requirements.

5. Communicating Address Changes To Your Insurer

While insurers typically send essential communications via email or SMS, it’s advisable to inform them directly about your change of address. This ensures that you receive official documents sent by mail at your new location, maintaining clear and effective communication with your insurer.

6. Renewing Timely And Adhering To Legal Obligations

Under the Motor Vehicles Act of 1988, having valid third-party insurance is a legal requirement in India. As you settle into your new location, be mindful of the renewal timelines for your policy. Driving without a valid policy is illegal and leaves you without financial protection in case of accidents. Prioritise your car insurance renewal to bridge potential gaps and uphold your legal obligations and economic security. Consider opting for a Comprehensive zero dep in car insurance coverage to ensure full protection against the impact of depreciation on your vehicle’s value in case of an accident. Claims are subject to terms and conditions set forth under the motor insurance policy. *

In conclusion, adjusting your car insurance requires careful consideration of the new environment, risks, and legal obligations. Proactively upgrading and customising your policy ensures a smooth transition and provides comprehensive protection in your new location.

*Standard T&C Apply

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.


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