Introduction

When purchasing a new car, one of the first steps after finalizing the deal with a car dealer is obtaining a permanent registration number from the Road Transport Authority (RTA). However, it is often possible to purchase motor insurance before you get this permanent registration number. This article will help you understand how to apply for motor insurance in such a situation and guide you through the claims process.

Can You Get Motor Insurance Without a Permanent Registration Number?

The Motor Vehicles Act requires every vehicle to be registered upon purchase, obtaining a temporary registration number (temp reg) from the car dealer. While the vehicle is in this temporary registration status, it can travel for a limited period (often one month) during which a permanent registration is processed at the RTA. During this period, it is possible to get your vehicle insured. This is because the insurer, based on proof of the temporary registration number, will assess and provide coverage.

What Are the Steps to Get Motor Insurance During Temporary Registration?

Here are the steps to follow:

Document the Temporary Registration Number: Keep a record of your temporary registration number. It is crucial for the insurance process since it will be the basis for your coverage. Obtain Proof of Payment: Make sure you have the receipts and documents that prove your payment of taxes and other required fees. Contact an Insurance Provider: Reach out to your preferred insurance provider. Inform them about your car's temporary registration status and provide all the necessary documents and proof of payment. Choose the Right Policy: Decide on the type of cover you need. Most commonly, you should opt for the mandatory third-party insurance coverage. Pay the Premium: Complete the payment process and receive an insurance policy. Keep this policy for future reference.

What About Filing a Claim Before Permanent Registration?

Yes, you can file a claim for your car accident before obtaining the permanent registration number if your temporary registration is valid and you have paid the required tax amount. However, there are a few important points to consider:

Valid Temporary Registration: Ensure that your temporary registration is still valid and has not expired. Premises Consideration: In most cases, you cannot claim for damage or injuries sustained in a public place without the permanent registration. However, if the accident occurred on private property, within a narrow timeframe before the registration is processed, you might still be able to file a claim. Claims Processing: The claim will be processed once the permanent registration is obtained, as it will be necessary to have the official vehicle registration document for any future policy or claim adjustments.

Conclusion

It is important to note that you must inform your insurer about your permanent registration number as soon as you receive it. This will help maintain a seamless relationship and avoid any policy-related hassles in the future.