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How To Manage Car Insurance While Relocating Within India

Published On Jan 03, 2020 5:30 AM By InsuranceDekho

Are you moving to another city? We have come up with your car insurance policy dos which you need to consider when relocating within India.

Manage Car Insurance While Relocating Within India - While moving to another city or a whole new state might seem fun, however, sometimes it can be quite tiresome and emotionally stressful. Not only do you need to adapt to this new environment, but you also have to adhere to a different set of rules. Things were still manageable if you were done with shifting your belongings which are easy to carry and which do not come with any insurance coverage. But if it’s a matter of transiting an automobile that you own, then you can have a hard time setting things up again in a whole new way.

Relocating to a new state or a city can be a challenge, especially if you are a car or bike owner. Along with a change of governance, car insurance policies and traffic rules change as well. Thanks to the advancements in technology, however, which have made it easier to handle such situations with ease. One can get things done these days online in a convenient way. Moreover, one can easily learn about new rules and regulations and stay updated with the latest updates regarding your surroundings.

Car Insurance Checklist For Relocating Within India

Keeping in mind the levels of stress that a person relocating within India might have, especially if he or she owns an automobile, we have come up with a list of things you must keep in mind.

  • Upgrading The Car Insurance Policy

Even if your car insurance policy is valid within the country, however, you might feel the need to upgrade it for experiencing a more hassle-free driving experience. Because you won’t be able to cope up with the large traffic, particularly if you move from a tier-2 city to a metro. Not only would there be a huge amount of traffic rush in big cities, but accident rates are also high, therefore demanding one to be more cautious.

One would definitely require to upgrade one’s car insurance policy to have a stronger coverage, considering the higher risks of road accidents or mishaps. It is always recommended that you must upgrade from a basic third-party policy to a comprehensive policy to safeguard yourself. It would not only cover you against incidents like bodily injuries, damages or death but also provides financial backups against calamities or theft.

  • Getting Required Car Insurance Add-ons

You can consider buying add-ons that can provide you with extra coverage along with your existing or upgraded comprehensive policy. However, you should go for only those which would actually be beneficial for you. For example, an Engine Protection cover would safeguard your engine against floods if you shift to Mumbai. Likewise, Passenger Cover Add-ons can be preferable for a person who loves to travel around with family.

  • Getting RTO’s NOC

You must get your car registered with the Regional Transport Office (RTO) of the state or city you are relocating to. It is not legal to drive a car having registration of some different state. Also, if you are switching from one state to another, getting a No Objection Certificate (NOC) is necessary from the state RTO in which your car was registered previously. After you have got the NOC, you need to register your car or bike with the RTO of the new state you are going to reside in.

  • Notifying Your Insurer

It is very important for you to notify your existing insurance company about the new address you are shifting to or any changes of contact numbers. You might ask what do I need this for? But it is necessary to receive any official documents which might be beneficial for you.

  • Check The Gap

While you were busy relocating, you might forget that you need to renew your insurance policy. Driving with a lapsed insurance policy might get you into trouble. It is not only illegal, but you also won’t get coverage in case you suffer from a loss.

Stay updated about any changes made in your insurance policy or the Indian traffic laws, so as to prevent yourself from getting into a stressful situation. Relocate in a seamless manner and stay excited about your upcoming plans and future goals. Abide by all the rules and drive safely in your new city to maintain a comfortable and positive atmosphere around you.

For further reading:

What is the Cost of Third Party Car Insurance?

What All is Not Covered Under a Car Insurance Policy?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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