Two-wheeler insurance is an insurance product that safeguards you from any financial loss that might be incurred if your two-wheeler suffers loss/damage due to natural calamities or unforeseen incidents like theft, burglary and accidents.
There are two types of two-wheeler insurance plans:
In India, having a third party liability insurance is mandatory before you take your two-wheeler on the road. While getting a long term two-wheeler policy is not compulsory, but it is best advised that you get it, as it can take care of your financial well-being in case of any unprecedented incidents.
While you will not need to show the proof of the documents such as RC book, ownership and registration of your two wheeler, you will surely need them for two wheeler insurance renewal after its expiration
Let's have a look at some useful information about these important documents.
What is bike RC book?
The RC book or the Registration Card is an official document issued by the Government of India, which certifies your bike to be legally registered with the RTO (Regional Transport Office). It looks just like a smart card and has the following details about your bike/two wheeler:
It also holds your information like your name and address.
How can you get two wheeler RC book?
Two wheeler registration is fairly an easy process. All you need to do is approach your nearest RTO, where the officers will inspect your vehicle and issue two wheeler RC for your bike. Alternatively you can also ask the dealer of the showroom, from where you have purchased your bike, to get the registration done on your behalf. In the latter case the delivery of your two wheeler will be done only after the RC is in place.
The RC book is issued for a period of 15 years and then it can be renewed after every 5 years.
What happens if you lose your RC book?
In India, driving a two wheeler, or any vehicle for that matter, is illegal if you do not have a valid RC book for the same. So, if you have lost RC book of two wheeler or it gets stolen or misplaced, then please lodge a police complaint (in case of stolen) and approach your nearest RTO to initiate the process of issuance of duplicate RC book. Submit form 26 with the following documents to RTO:
Make the payment, approximately INR 300 and you will receive an acknowledgement slip, which will have the date by when you will receive the hardcopy of the duplicate RC book at your doorsteps.
How can you transfer RC of bike online?
If you have moved to a different state, for either a long period of time (more than a year) or permanently, you need to transfer the RC of your bike. The process to transfer your bike RC is simple and straightforward:
How can you transfer bike ownership online?
When you are buying a second hand bike or selling your bike, you need to take into consideration a bike ownership transfer process. Your old or new two wheeler insurance policy needs to be updated as well. It is basically the buyer who has to initiate the process of two wheeler ownership transfer.
Here are the steps for bike ownership transfer procedure:
Nowadays, you can even complete this process online:
Hope this document helps you understand the two wheeler registration process, details of bike RC book, the way to deal with the situation of lost RC book of two wheeler, process to transfer RC book and transfer bike ownership online. Ensure that you own an old or new two wheeler insurance while selling your two wheeler.
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