Selling your car? Or just bought a pre-owned one? Don’t forget — transferring the car insurance is just as important as changing ownership on the RC.
If the vehicle is insured with Tata AIG, the good news is that the insurance transfer process is simple, fast, and mostly online.
Here’s how you can complete the insurance transfer smoothly, without any confusion.
Why Is Car Insurance Transfer Important?
When a car is sold, the existing insurance doesn’t automatically move to the new owner. Unless it’s officially transferred:
- Claims may get rejected
- The new owner won’t get No Claim Bonus (NCB)
- It’s legally required under the Motor Vehicles Act
Whether you’re the buyer or seller, make sure this is handled immediately.
What Gets Transferred?
When you transfer a Tata AIG car insurance policy, here’s what moves to the new owner:
- Policy coverage (Third-party / Comprehensive)
- Policy period (the validity remains the same)
- Add-ons, if any (like zero depreciation, roadside assistance)
🚫 Note: Keep in mind, the No Claim Bonus (NCB) belongs to the previous owner and isn’t transferable to the new buyer.
Documents Required for Tata AIG Insurance Transfer
Keep these documents ready for a smooth transfer:
- Original RC (Registration Certificate) with buyer’s name
- Form 29 & 30 (sale agreement forms)
- Copy of existing Tata AIG policy
- New owner’s KYC: Aadhaar, PAN, address proof
- Copy of PUC certificate
- Vehicle inspection report (done by Tata AIG if required)
Step-by-Step Process to Transfer Tata AIG Car Insurance
- Inform Tata AIG about the ownership change within 14 days
- Visit a nearby Tata AIG office or contact their customer support
- Make sure to hand in all the required documents along with the properly filled transfer form.
- Get the vehicle inspected (if required)
- Pay a nominal transfer fee
- Once approved, the policy will be reissued in the name of the new vehicle owner.
⏱️ Processing Time: Usually 2–4 working days once all docs are submitted.
Can You Do It Online?
Yes, Tata AIG also allows certain parts of the process to be initiated online:
- Raise a request via their official website: www.tataaig.com
- Upload documents or schedule pickup
- Get updates via email/SMS
Still, for legal ownership transfer, offline verification or inspection might be required.
What If the Transfer Isn’t Done?
If the policy isn’t transferred:
- Claims during an accident could be denied
- The new owner may need to purchase a fresh insurance policy if the transfer isn’t completed.
- Legal fines can apply during police checks
Don’t risk it — get it transferred right after the sale is complete.
Final Thoughts
Whether you’re selling your car or buying a used one, transferring your Tata AIG car insurance policy is a must.
It protects you legally, ensures claim eligibility, and gives the new owner peace of mind.
It’s a small step — but one that can save you from major headaches later.