27/05/2026
🚘 What happens to a Motor Insurance Policy if the vehicle owner passes away?
❓ Does the insurance policy remain valid?
❓ Is the policy automatically transferred to the legal heir?
Most people don’t realize that important legal steps must be completed after the death of a vehicle owner.
📘 As per Indian Motor Vehicle laws:
✔ The legal heir must inform the RTO within 30 days
✔ The vehicle can usually be used for up to 3 months
✔ The RC must then be transferred using Form 31
📄 Documents required may include:
• Death Certificate
• RC Book
• Legal Heirship Certificate
• Applicable fees
Once the RC is transferred, the Insurance Company can transfer the insurance policy into the legal heir’s name.
⚠ Important:
If the insurance policy is not updated properly, claim settlement issues may arise later.
💬 Did you know about this process?
👇 Comment:
✔ YES — I knew this
✔ NO — Helpful information
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