Is it Possible to Transfer a Bike's RC (Registration Certificate) Without Having Insurance?

Transferring a bike’s RC is a process most bike owners find challenging. Not only does it involve a step-by-step legal procedure, but it also requires you to submit several necessary documents. One such important document that is required for transferring the ownership of a two-wheeler is the insurance policy for the bike in question.

While the regulations and costs for bike RC transfer vary from one state to another, most of them include an insurance policy for bikes as a mandatory document.

As an owner of a two-wheeler, bike insurance provides you benefits like own damage cover in bike insurance, third-party damage cover, etc., along with facilitating the RC transfer process.

If you are wondering whether bike ownership can be transferred without an insurance policy, this blog is for you. Here, we will try to clear most of your doubts regarding 2 wheeler RC transfer.

Keep reading!

How Does the Bike RC Transfer Process Work?

The process of a 2-wheeler RC transfer might appear to be difficult, but it is quite easy and straightforward. Here is how the bike RC transfer process works:

Initiating the Transfer Process – Before proceeding to the bike RC transfer process, you need to ensure that the seller has provided you with all the necessary documents. These include the registration certificate (RC), sales receipt, road tax certificate, pollution certificate, insurance policy, and signed forms 28, 29, and 30.

In the case of a second-hand vehicle, the owner must provide a duly signed ownership transfer form to the RTO at which the bike was registered. It must be signed by both the seller and the buyer.

If the transfer is taking place because of its owner’s demise, then the transfer must be carried out by his legal successor.

Submitting the Documents and Fees – The bike RC transfer process will only be completed after all the documents, along with the transfer fee, are submitted to the RTO within the given time.
Completing the Transfer Process – Once the RTO verifies all the paperwork and everything is satisfactory, the bike will be transferred from the seller to the buyer.

Documents Required for Online Bike RC Transfer

Registration Certificate for bike
Death Certificate of the registered owner (if applicable)
A self-attested copy of the insurance policy
Succession authorisation (if applicable)
PAN Card or a copy of Form 60
Vehicle verification with Form 20
Completed Form 30 and 31 by the transferee
No Objection Certificate (NOC)

How Can I Transfer the RC of a Bike?

Following is a step-by-step procedure for transferring the Registration Certificate of a bike:

Step 1: Prepare the above-mentioned documents. Make sure they are correct, duly signed, and attested.

Step 2: Locate and visit the RTO office in your city. Note that different cities have different RTOs, and their work timing may also vary accordingly.

Step 3: Next, fill out Forms 29 and 30. You can either download them from the official RTO website or request hard copies from the office itself.

Step 4: Submit all the necessary documents, which the RTO officials will verify. At this stage, you will be notified if the submitted paperwork is unsatisfactory. In such cases, submit the correct papers again.

Step 5: After the successful verification, pay the RC transfer fee, which may vary from one city to another.

Step 6: Next, the appointed officials will perform a physical inspection of the bike regarding its condition.

Step 7: Once done, a new RC will be generated and issued to the buyer or the legal successor.

In some cases, you might also need to update the insurance policy with the new owner of the bike.

Moreover, if you are transferring your bike from one state to another, you must get an NOC from the RTO where the bike is registered. Submit NOC at the RTO in the new city, get your bike inspected, pay the taxes and fees, and you can get the RC from the new RTO.

Can I Transfer Bike RC Without Online Two-Wheeler Insurance?

Since the bike RC transfer is a legal procedure controlled and monitored by the government, it is mandatory to submit all the required documents to the RTO within the allotted time.

In India, the required documents for RC transfer include a copy of two-wheeler insurance. Therefore, you must provide a self-attested copy of your bike insurance plan to complete the ownership transfer process.

However, there can be some exceptions to this rule. So, it is recommended to get in touch with your state’s RTO officials for further clarification.

Final Words

The ownership transfer process is a critical but uncomplicated process. If you plan to use your bike outside where it is registered for more than a year, you need to get an NOC from the RTO where your bike is registered.

A two-wheeler insurance policy is a necessary document to transfer a bike’s RC in India. However, the rules and regulations can change from one state to another; hence it is advisable to confirm it with the government officials of your state before proceeding further.