When a policyholder dies what happens to the bike insurance policy


21 Jul 2023

Read about When a policyholder dies, what happens to the bike insurance policy? For more information, check out the bike insurance policy from Kotak General Insurance.

Life is unpredictable and can lead to a tragic and inevitable moment of death for many. However, if the bike insurance policyholder dies, it is important to do the paperwork for the bike insurance transfer as soon as possible.

This article will tell you about the process of what to do after the policyholder dies.

What happens to bike insurance if the policyholder dies?

When a policyholder passes away, the ownership of the two-wheeler is given to their legitimate heir or whose name is mentioned in the papers. The two-wheeler insurance coverage is still in effect, and it must be moved to the legal successor's or nominee's name. If the insurance policy has expired, the legal successor may buy new insurance coverage or choose to renew the bike insurance online in their name.

One must take a few steps and provide the necessary documentation to transfer their bike insurance online or offline. More crucially, after the policyholder's death, the legal successor must notify the insurer as soon as possible about the transfer of the bike insurance policy.

What are the documents required to transfer the bike insurance policy?

The following documents are required to transfer the bike insurance policy-

• Insurance papers

• RC (Registration Certification)

• PUC (Pollution Under Control) Certificate

• Chassis Imprint of the Two-Wheeler

• NOC from the bank

• Death Certificate

• Succession Certificate

• Details of the bike, along with the sales receipt

• Application for Transfer of Ownership (Form 31)

• Form 29 and 30 (if required)

• ID and Address Proof of the legal heir (Aadhar Card, PAN Card, Voter ID Card, Passport, etc.)

• A notary-certified statement confirming that the bike insurance can be changed to the name of the legal heir.

• Self-signed Aadhar and PAN card photocopy.

Who is considered the legal heir for the transfer of the bike insurance policy?

There are two types of successions of the bike insurance policy when a policyholder dies -

Child of the deceased person

If the dead policyholder was a single parent, the kid could receive the two-wheeler insurance. If the deceased policyholder had more than one child, the legal successor could be chosen through the proper channels. However, the transfer procedure is simpler if the child's name is included as the nominee in the insurance paperwork.

Spouse of the deceased person

In the event of the spouse's passing, the partner may become the legal successor. The insurance may be changed to their name by natural succession. The insurance transfer procedure is simpler if the nominee and the legal heir are the same. If the policyholder is no longer there, you may contact the insurance provider to verify the nominee's information.

Points to keep in mind while transferring the bike insurance policy

The following points must be kept in mind while transferring the bike insurance policy -

• Contact the insurance providers in case of the policyholder's death.

• Determine the legal successor of the policy.

• Visit the RTO for the RC transfer.

• Gather all the compiled document

• Renew the policy at the earliest if it is going to lapse

• Seek help from your lawyer if necessary.


The transfer process is simple and will not require much time. However, you must do it soon to avoid complications afterward. Also, avoid driving the bike before the bike insurance transfer, as it might incur a fine.

Visit Kotak General Insurance for More Information.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.