When ever you are buying a second hand car, buy insurance in your name as soon as possible. No need to transfer the policy in your name and wait uninsured.

Ask the previous owner to surrender his old policy.

Steps:
1- Use form 29 and 30 and submit the photocopy of these with the proposal form
2- In this case a physical inspection of the car is required.
3- You'll get new insurance in your name
2- Then start with the RTO ownership transfer process.