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A car owner is mandated by the law to register the ownership of his or her vehicle with the government. This involves licensing the car with a nameplate that bears the abbreviation of the state of its registration. Hence, it is necessary to go through a whole range of steps when you transfer car insurance and registration from one state to another.

How to transfer a car registration and insurance from one state to another?

If you are relocating from one state to another, you will have to transfer your car and car insurance policy if you intend to use it for more than a year. The following are the steps that need to be followed:

The first step is to get the No Objection Certificate (NOC) from the Traffic Department, which ensures that the car has no fines to be paid. You might also have to collect a report from the National Crime Records Bureau (NCRB) declaring the authenticity and clarity regarding its crime status. Visit the Traffic Police office with the following:

• The letter, written to the Deputy Commissioner of Traffic

• Photocopy of the car's registration certificate, insurance papers, and the Pollution Under Control (PUC) certificate

• Your Driving license copy

• Proof of the address of the car owner

• Clearance letter to show loan clearance status

As the next step, you will have to visit the Regional Transport Office (RTO) with the following set of documents:

• Form 28 to demand the No Objection Certificate and the Grant of Certificate

• Photo of the Registration Certificate, attested

• Documents with proof of clearance of road tax in case of commercial vehicles

• Car insurance document along with transfer car insurance request

• PUC Certificate

• NOC certificate

• Clearance document from NCRB

• In case of hypothecation, NOC is also needed from the financing bank

The following step is submitting the documents, where you will have to pay the applicable fees and submit all the documents.

Once the NOC is received, you may now approach the Regional Transport Office (RTO) of the new state to request for re-registration of your vehicle. Remember to renew the registration within 30 days of the end of the registration. You will have to carry the following documents.

• Original registration certificate that you had in the previous state

• Form 20 for the new registration of the vehicle

• NOC collected from the RTO,

• Form 27 - This form is for applying for a new registration certificate for your car. However, if your vehicle is still under hypothecation, i.e. there is an outstanding loan, a copy of the form needs to be filed with the financing bank after the entire re-registration process is completed.

• Form 33 is to change of address in the registration certificate

• Attested photocopy of the address proof, driving license of the car owner, PUC Certificate,

• PAN Card, Form 60, or Form 61, as relevant,

• Passport sized photos,

• Lending bank NOC in case there is a leftover loan payment and

• No Objection Certificate from the NCRB (if applicable).

As the last step, you are required to pay the road tax of the new state. Once paid, you can reimburse the old payment.

• Application to make the refund for the road tax refund,

• Updated and signed Form 16,

• Photocopy of the new registration certificate, old registration certificate,

• Car Insurance policy with new registration number, and

• Identity and address proof of the policyholder.

With the completion of the steps, communication will be initiated between the old and the new RTO. Once the confirmation for re-registration is done, your tax will be refunded.


Although the process of transferring car insurance and registration might seem complicated, with appropriate guidance, it is relatively easy to get done. You can finish the work within a few months if your papers and documents are ready.

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


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