Transfer the policy, do not ignore it
RC transfer and insurance transfer should be treated as part of one risk workflow, not as separate admin tasks.
Guides
Used Car Insurance Guide for India
Insurance matters twice in used cars: it affects ownership transfer risk and it changes the true cost of keeping the vehicle. Buyers should understand transfer, coverage quality, and claim value before closing the deal.
Understand IDV, depreciation, and zero dep
The right policy depends on vehicle age, expected usage, and whether the premium still makes sense for the car value.
The cheapest premium is not always the best option
Coverage quality, claim process, and the insured value matter more than a headline discount.
Frequently asked questions
Do I need a fresh insurance policy after buying a used car?
At minimum, the existing policy and ownership details need to be transferred correctly.