27/05/2026
π What happens to a Motor Insurance Policy if the vehicle owner passes away?
β Does the insurance policy remain valid?
β Is the policy automatically transferred to the legal heir?
Most people donβt realize that important legal steps must be completed after the death of a vehicle owner.
π As per Indian Motor Vehicle laws:
β The legal heir must inform the RTO within 30 days
β The vehicle can usually be used for up to 3 months
β The RC must then be transferred using Form 31
π Documents required may include:
β’ Death Certificate
β’ RC Book
β’ Legal Heirship Certificate
β’ Applicable fees
Once the RC is transferred, the Insurance Company can transfer the insurance policy into the legal heirβs name.
β Important:
If the insurance policy is not updated properly, claim settlement issues may arise later.
π¬ Did you know about this process?
π Comment:
β YES β I knew this
β NO β Helpful information
π© Need help with motor insurance transfer or claim guidance? Message us.