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What is a New Hampshire title bond?

New Hampshire Revised Statute § 261:10 requires individuals with a missing vehicle title to file a surety bond for motor vehicle registration. This New Hampshire surety bond protects any prior owner, lien holder, or subsequent purchaser from financial loss resulting from the certificate of title issuance. When your certificate of title application and surety bond have been approved, the state will issue your bonded title.

How much does the New Hampshire lost title bond cost?

New Hampshire certificate of title bond costs start at $100. The exact cost will vary depending on the surety bond amount required by the New Hampshire Division of Motor Vehicles.

• Bond amounts up to $5,000 cost $100.
• Bond amounts from $5,001 to $25,000 cost $20 for every $1,000 of coverage, starting at $100.
• Bond amounts from $25,001 to $50,000 cost $15 for every $1,000 of coverage, starting at $375.
• Bond amounts for more than $50,000 must be reviewed by an underwriter for pricing, starting at $750.

The New Hampshire Lost Title Bond costs either $100 or 1.5% of the bond amount, whichever is greater (rates may vary for bonds greater than $25,000).

How do I get a title bond in New Hampshire?

You can purchase New Hampshire certificate of title bonds online 24/7. You must provide the following information for Division of Motor Vehicles approval.

• vehicle owner’s name
• address
• vehicle identification number (VIN)
• year
• make
• model
• body type

Once your payment is received, your official surety bond will be delivered to your email.

Why do you need a New Hampshire certificate of title bond?

By filing a New Hampshire certificate of title bond, you verify you have legal ownership of your motor vehicle despite not having an official title. If the original title is found by another individual claiming ownership, the surety company will pay valid claims up to the full bond amount, which must be reimbursed by the bonded vehicle owner.

A New Hampshire certificate of title bond is required if you have insufficient vehicle ownership. If you’re planning to sell vehicles, a separate New Hampshire motor vehicle dealer bond is required.

Who is Required to Purchase a Bond?

The New Hampshire Division of Motor Vehicles requires title applicants to purchase a surety bond if the applicant cannot present the department with tangible proof that they own the vehicle and if the department does not have an ownership record of the vehicle. Lost title bonds are typically required for the following reasons:

• The vehicle has never been titled
• The applicant never received the title
• The previous owner never titled the vehicle
• The applicant has the title but there is an error in the title transfer
• The applicant purchased an unclaimed/abandoned vehicle and is not a bonded agent

Lost title bonds will not be issued if there are any active liens against the vehicle.

Who registers vehicles in New Hampshire?

The New Hampshire Department of Public Safety Division of Motor Vehicles regulates vehicle registration and title requirements. Certificate of title bonds must be submitted to the Division of Motor Vehicles within 30 days of issuance.

How do I determine my title bond amount?

New Hampshire statutes require your bond amount be 1.5 times the vehicle’s value. If you need help determining your exact required bond amount, contact the New Hampshire Department of Public Safety Division of Motor Vehicles before purchasing your bond.

Is a Credit Check Required for the New Hampshire Lost Title Bond?

We will not conduct a credit check for bonds that are less than $25,000. At limits over $25,000, we will review your standing to determine the qualification and rates for the bond.

How do I update or change my title bond form?

If the Division of Motor Vehicles requires you to update your surety bond documentation for any reason, contact your surety provider.

The most common changes requested for these bonds are the vehicle owner’s name and vehicle information.

Do I need to renew my title bond?

New Hampshire title bonds remain valid for 3 years from the issuance date and do not renew. The bond will be returned at the end of the 3-year term if the vehicle is no longer registered in the state and the current original vehicle title is provided to the DMV.

What if my New Hampshire bonded title is stolen, lost, or destroyed?

The New Hampshire DMV will issue a duplicate bonded title for stolen and lost titles if you previously held the title in your name. To request a duplicate bonded title, complete the following steps.

1. Fill out an Application for Duplicate Certificate of Title. If there are two owners on a title, each should sign the application.
2. Pay the $25 replacement fee by check or money order.
3. Provide a lien release, if required. If there was lien on the vehicle when purchased, the lien needs to be removed to get the vehicle titled. The form must be signed by the lienholder.
4. Deliver the application and lien release to a New Hampshire DMV office. You can also mail it to the state DMV.
   New Hampshire Department of Safety
   Division of Motor Vehicles
   23 Hazen Drive
   Concord, NH 03305

How do I get a New Hampshire bonded title?

To apply for a bonded title, complete the following steps:

1. Consult the DMV
   Bonded title applicants in New Hampshire should consult their local DMV office prior to purchasing a surety bond. New Hampshire does not require all title applicants to obtain a bonded title, and usually only does so as an absolute last resort. Title applicants should ensure that they actually need a bond before purchasing one. The DMV will also help the title applicant determine the vehicle’s value.
2. Purchase a Surety Bond
   Once the DMV determines the applicant needs a bonded title, the applicant must purchase and maintain a surety bond in an amount equal to one and a half times the vehicle’s value.
3. Complete the Application
   Bonded title applicants can obtain a title application from their local clerk’s office. After completing the application, bonded title applicants should submit it, along with their bond, to their local DMV office. Once your application is approved, you’ll receive your bonded title in 40-50 days.

How Do New Hampshire Bonded Title Applicants File Their Bond?

In New Hampshire, bonded title applicants should submit the completed bond form, including the power of attorney, to their local DMV office. The New Hampshire Lost Title Surety Bond requires signatures from both the surety company that issues the bond and the bonded title applicant. The surety company should include the following information on the bond form:

• The legal name entity/individual(s) buying the bond
• Surety company’s name and state of incorporation
• Bond amount
• Vehicle information
• Date the bond is signed

What Are the Insurance Requirements for Bonded Title Applicants in New Hampshire?

New Hampshire requires all motor vehicle owners to purchase auto insurance with the following minimum limits:

• $25,000 per person
• $50,000 per accident
• $25,000 property damage per accident

Bonded title applicants must purchase and maintain a surety bond in an amount equal to one and a half times the vehicle’s value.

How Can New Hampshire Residents Avoid Claims Against Their Lost Title Bond?

To avoid claims against their bond, bonded title applicants in New Hampshire must ensure that they are the rightful owners of the motor vehicle.