It is extremely simple to buy a car in India today. While many people make a beeline for new cars, there is a thriving market for used cars, or second hand cars, as well. These used cars are refurbished before use by the next owner, and they also have the original papers and insurance documents from the owner. Apart from this, it is possible to buy insurance for a second hand car in India.

However, those who wish to buy second hand cars in India are often a little sceptical about doing so. They are justifiably worried if it is ‘safe’ to do so. The answer to this query is, Yes, it is safe to buy a second hand car. But do these things first:

1 . What to study beforehand. Ask the car’s current owner to give you copies of the car’s registration papers. Do note down the engine number and chassis number, and take a thorough look at the car’s physical condition. You can ask your trusted service centre to give the car a thorough vetting. This initial check includes:

• Checking condition of brakes, hood, rust in the parts, tyres, etc.
• Comparing chassis and engine number with those mentioned in the papers. If there is a mismatch, it means there were changes made to the car previously. You must find out why these changes were made.

2. Transfer insurance to your name. After the car’s registration is changed to your name, check the current owner’s motor insurance policy. If it has not expired, you can transfer it to your name. Getting the name transfer done is legally binding on you when you start driving the vehicle. Or if the motor insurance has expired, you can buy a comprehensive motor insurance policy for the second hand car.

3. Documents verification. Perform a check on whether:

• There are any pending loans on the car. The Form 32 or 35 gives these details.
• The owner has an NOC from the car finance company stating that any borrowed loans are repaid in full.
• The owner has original bills of purchase.
• The yearly service records (issued by service stations) and road tax receipts are present.
• The CNG/LPG certification is done.
• There is a latest PUC certificate.

4. Customise the car for yourself. If all documents and the car condition are found satisfactory, you can go ahead and purchase the car. But get it refurbished for use. You can get parts replaced, upholstery changed, new safety accessories installed, spark plugs and brakes cleaned, etc.

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