Motor Insurance Renewal w/o my knowledge by new owner under my name
I sold my car in Jan 2017 to a dealership in Noida Sector-8 for an exchange value when buying a new vehicle. After 2.9 years of this transaction, I received a motor insurance certificate at my address for this vehicle where I am the insured. Apparently, the dealer has failed to update the ownership in RTO in spite of providing all the transfer docs. I have the proof of the sale of the old vehicle on their company letterhead. Already contacted the dealer but to no avail. Does this case amount to forgery as dealer executed the policy under my name and without my knowledge? I am thinking to cancel the vehicle registration with RTO, however for this I need file FIR. Can someone tell me what are the relevant Sections of IPC under which this can be done? I think Section 463/464. Thank you. more
Write a letter addressed to RTO commissioner (where the vehicle is registered) mentioning the details of the transaction (vehicle sale), attach relevant photocopies of the deal available with you. Mention very clearly the date in the letter on which you had handed over the vehicle and that you should not be held liable / responsible for any wrong use of the vehicle or any mishap arising due to its usage. Mark a CC of the letter to the Police commissioner, and the local police station of your residential area. Deliver these letters in person to the addresses and obtain a receipt signature on your copy.
They will do the needful and you will be safe from judicial process (in case the vehicle is involved in any mishap).
Before doing all this make sure that you check on the Vaahan site (internet or mobile App) that the vehicle is still registered on your name at the RTO.
Sometimes the vehicle ownership is changed but the new owner forgets to inform the insurance company and simply keeps on renewing the insurance. more
Please send a letter to RTO and insurance company with copies of sale of proof of old vehicle, send letter to dealer that you are not owner of the old vehicle from the date of sale of old vehicle and ask him to take corrective actions and inform police accordingly. more
Read as Xerox copy of the policy more
Directly visit RTO office and explain and be guided by them.
Write letter to IRDA enclosing a Xerox copy of the and detail them. This will also help you. more
Just send a copy of sell letter to concerned RTO and keep the proof of delivery. Rest all will be done by RTO. Once you inform RTO that you have sold the vehicle, then purchaser is liable for all the actons. Further as suggested, take refund of policy by surrendering it. more