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Old 12th October 2009, 20:48   #1
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Default Insurance Lapse and NOC - Bangalore

I had taken 2 year loan for New car. The car had come with 1 year Insurance.

Now my 2 year loan period is over and I have received bank NOC letter.

The problem is that time passed quick and i never renewed insurance since last one year (for the second year)

My question is -

1) will Bangalore RTO make an issue out of this when i go to them for NOC clearance? Do they require insurance docs also?

2) How can i fix the insurance issue back to normal? Will that also be a problem?
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Old 12th October 2009, 22:58   #2
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No, they do not check the insurance papers when going for HP removal.

But driving without insurance - you are just asking for a hell lot of trouble.

Why don't you just get the insurance ASAP and then worry about the NOC. Resolve the larger issue first.
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Old 13th October 2009, 08:31   #3
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Quote:
Originally Posted by eflanker View Post
1) will Bangalore RTO make an issue out of this when i go to them for NOC clearance? Do they require insurance docs also?

2) How can i fix the insurance issue back to normal? Will that also be a problem?
1. RTO will not need insurance as they have a work with RC book.
2. Go to any of the insurance company office along with the car and a cheque book you will get the cover note after the survey of your car on the spot.

Do this insurance thing first.
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Old 13th October 2009, 12:37   #4
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Car without an Insurance, It will prove very heavy in case of any accident.
Atleast one should possess 3rd party insurance if not Comprehensive.
Get your insurance done first
rjvora has mentioned properly.
Quote:
Originally Posted by rjvora_2000 View Post
1. RTO will not need insurance as they have a work with RC book.
2. Go to any of the insurance company office along with the car and a cheque book you will get the cover note after the survey of your car on the spot.

Do this insurance thing first.
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Old 14th October 2009, 13:24   #5
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If I may add, please use Microsoft Outlook's date book / organiser. Its a vital tool in renewal reminders and a host of other features.

As others have mentioned, get your car covered by insurance ASAP. You are lucky it didn't get stolen over the last year.
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Old 14th October 2009, 18:52   #6
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fixing the insurance back to normal is simple. since you are out of insurance, they will do a verification. that's all.
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