two wheeler insurance

In the bustling lanes of India, where two-wheelers glide and swerve with an almost rhythmic precision, the importance of two wheeler insurance cannot be overstated. For many, a two-wheeler is not just a mode of transportation but a vital part of daily living. 

But amidst the chaotic flow of traffic, accidents are an unfortunate reality. Here, we explore a critical aspect often overlooked until necessary: What happens to two wheeler insurance when the policyholder dies?

The Stark Reality of Two-Wheeler Accidents in India

Statistics paint a grim picture of two-wheeler safety in India. According to the latest reports from the National Crime Records Bureau, two-wheelers account for a significant portion of traffic accidents in the country. 

In 2022, over 40% of the recorded traffic accident deaths involved two-wheeler riders. This high rate underscores the critical need for comprehensive two wheeler insurance, ensuring financial protection against damages from such unforeseen incidents.

Navigating the Legal Aftermath: Transfer of Insurance

Upon the unfortunate demise of a policyholder, the two wheeler insurance policy doesn’t just vanish into thin air. Instead, it enters a phase of potential transfer. The immediate step involves informing the insurance provider about the policyholder’s death. This notification should ideally come from the legal heir or the executor of the deceased’s estate.

The next step is crucial and involves the transfer of vehicle ownership. The insurance policy, inherently linked to the vehicle rather than the individual, can be transferred to a new owner. According to the Motor Vehicles Act, the new owner must apply for the transfer of the insurance policy within 14 days from the date of vehicle ownership transfer.

Documentation: The Keystone of Transfer

The process of transferring a two wheeler insurance policy involves a series of documents. These include the death certificate of the deceased, the original insurance policy document, a succession certificate, or legal heir certificate, and the new registration certificate of the two-wheeler in the name of the new owner. The insurer may also require a notarized affidavit from the legal heir, asserting their claim and acceptance of the transfer.

The Importance of Timely Information Exchange

In the event of the policyholder’s death following an altercation or accident involving the insured two-wheeler, it is imperative to exchange information accurately and promptly. 

The details shared with the insurance company will directly influence the ease with which the policy transfer occurs. It includes accident reports, police FIR copies, and other relevant documentation that provides clarity on the incident leading to the policyholder’s demise.

Choosing the Best Two Wheeler Insurance Plans

Selecting the right insurance plan is crucial. Aggregators like Digibima offer a platform to compare various two wheeler insurance policies from different insurers, simplifying the decision-making process. 

The best plans typically offer a comprehensive cover that includes third-party liabilities and own-damage cover. Additional covers like zero depreciation and engine protection are advisable given the high repair costs associated with accidents.

Insurance Claim Post Policyholder’s Death

Should there be a need to claim the insurance post the policyholder’s death but before the transfer of the policy, the process becomes slightly intricate. The legal heir must prove their entitlement to the claim, which necessitates submitting the death certificate and proof of succession or legal heir status alongside the claim.

Preventive Measures and Safety Tips

While dealing with insurance technicalities is necessary, prioritizing safety to prevent such necessities is even more crucial. Wearing helmets, adhering to traffic rules, and maintaining the two-wheeler in optimal condition are basic yet powerful ways to reduce accident risks. 

Additionally, investing in rider insurance as part of the two wheeler insurance can provide cover for personal accidents, which is a prudent choice in traffic-prone areas.


The death of a two-wheeler policyholder brings a significant amount of emotional and administrative turmoil. Understanding the steps to manage the two wheeler insurance thereafter can alleviate some of the logistical stress. 

Navigating through the complexities of insurance transfer after a policyholder’s death underscores the necessity of having a robust insurance policy in place. With aggregators like Digibima, choosing the right insurance becomes less daunting, ensuring that your journey on the road is secured, irrespective of life’s unpredictable nature.

By being proactive about understanding and managing two  wheeler insurance, individuals can ensure that their road to recovery, both emotional and financial, is well paved following the loss of a loved one. Thus, while we cannot predict the future, we can certainly prepare for it, ensuring peace of mind for ourselves and our families.


Q1. What happens to the two wheeler insurance when the policyholder dies?

When a policyholder dies, the two wheeler insurance can be transferred to the new owner of the vehicle. The transfer process must be initiated by informing the insurer. Necessary documents, such as the death certificate of the deceased, must be submitted. Additionally, the legal heir certificate and the new registration certificate of the vehicle are required.


Q2. How long does one have to transfer two wheeler insurance after the owner’s death?

The new owner of the two-wheeler is required to apply for the transfer of the insurance policy within 14 days. This timeframe begins from the date of transfer of vehicle ownership, in accordance with regulations.


Q3. What documents are required to transfer two wheeler insurance after the policyholder’s death?

Typically, the documents required include the death certificate of the deceased and the original insurance policy document. Additionally, a legal heir or succession certificate, the new registration certificate of the two-wheeler, and a notarized affidavit from the legal heir are needed.


Q4. Can a claim be made on two wheeler insurance after the policyholder’s death but before the policy is transferred?

Yes, a claim can be made, but the legal heir must provide documents proving their entitlement to the claim. This includes the deceased’s death certificate and legal proof of heirship, along with the regular claim documentation.


Q5. What is the process to notify an insurer about the policyholder’s death?

The legal heir or executor of the estate should notify the insurer about the policyholder’s death. This notification should be made as soon as possible. This notification should be accompanied by a formal intimation letter along with the death certificate.