Did you know PUC is now mandatory for the renewal of motor insurance?

As per the new guidelines released by the Insurance Regulatory and Development Authority of India (IRDAI), it is mandatory for all insurance companies to check for valid pollution under control (PUC) certificate at the time of motor insurance renewal. If the owner has not got a PUC for their vehicle, they will not be able to renew their motor insurance policy. 


Hence, people will by default have to get their vehicle’s PUC done in order to save themselves against legal obligations. Insurance experts believe that this new law will help keep pollution levels in check and ensure that motorist get their PUC done on time.

The following article will clarify all your doubts regarding PUC and its importance when it comes to the renewal of your motor insurance policy.

What does the new law state? 

The new law regulated by the IRDAI has made it mandatory for a vehicle owner to have a valid PUC certificate of their vehicles for the renewal of motor insurance. The law asks insurance companies to not provide with motor insurance renewals to vehicles without a legitimate PUC certificate. Additionally, IRDAI’s circular also states that insurance providers should not compensate for any claims on vehicles that do not have an authentic PUC document during the accident. This is why, insurance companies check whether the vehicles have a PUC certificate during the renewal of motor insurance policy. The introduction of this law has also increased the penalty charges of not having a PUC certificate of your vehicle.

 What is a PUC certificate?

A PUC (Pollution Under Control) certificate indicates whether your vehicle’s emission levels are within the permissible limits or not. Sure, when your car or bike is new, its engine will run efficiently and keep the emission levels in check. However, as the vehicle gets older, engine performance can start to deteriorate, resulting in higher emission levels. That’s why motorist need to get a PUC test done at regular intervals of time to ensure their vehicle is not harming the environment. 

 Which vehicles are exempted from this rule?

You are not required to get a PUC done for vehicles that run on electricity. You can renew your motor insurance policy without a PUC certificate. Other than electric vehicles, brand new vehicles are also exempted from this rule only for the first year of their usage. After one year anniversary of your vehicle, you will have to get a PUC done for the renewal of motor insurance of your car or bike.

 Where can you get a PUC certificate?

You can get the PUCC for your vehicle done from an authorized emissions testing center. You can find these at gas stations, near puncture repair shops and on the service roads of the highways. The test can be completed in a matter or minutes and usually has a very minimal fees as well.

 Hope this article has been useful and informative to you. Make sure to keep renewing the PUC of your vehicle so that you can get your motor insurance renewed too! Good luck. 



Comments

  1. Bike InsuranceJanuary 29, 2021 at 6:15 AM

    Thanks for sharing the blog, seems to be interesting and informative too. Two Wheeler Insurance

    ReplyDelete

Post a Comment

Popular posts from this blog

Everything you need to know about mental health insurance

Image
There was a time, not so long ago, when mental health was swept under the rug and ignored. Thankfully, that has changed over the last few years. Many celebrities have come out in the recent past, talking about their battles with depression and how mental illness is a real issue in society today. The COVID-19 crisis has further driven home the importance of mental wellbeing - especially we were all confined to our homes during the initial months of the lockdown. All this has also lead to a paradigm shift in the way health insurance looks at mental illnesses. The manner in which health insurance policies are framed has changed significantly, and policyholders today can enjoy a great deal of coverage against mental health issues. However, most individuals are still unaware of this and often refrain from getting professional medical help; they are afraid that they will have to cover the costs on their own.  Keeping this in mind, the following article will go over some of the important...
Read more

Here’s how you can enjoy tax benefits on your health insurance

Image
Competitive corporate environments, unhealthy eating habits, stressful working hours, and a lack of exercise - this is how a professional’s typical weekday looks like. These factors have resulted in many lifestyle-associated illnesses among the working population. This is why it has now become important for everyone to get  health insurance to protect their savings when they fall ill. Now, we all know that health insurance can truly help protect our hard-earned money during a medical emergency. Yet, the advantages of purchasing health insurance are not just limited to the security of your finances. Health insurance also offers tax benefits on the premium paid for the policy, depending on your coverage and plan. These tax benefits are possible thanks to Section 80D of the Income Tax Act. According to this section, an individual can enjoy a tax deduction for the health insurance premium paid from their total taxable income. This includes the amount paid for buying or renewing medica...
Read more

Motor insurance renewal done online in 5 simple steps

Image
Motor insurance is mandatory by law in India. It is a punishable offense to drive a vehicle without a valid insurance policy. It is also against the law to drive with an expired car insurance policy , as per the Motor Vehicles Act,1988. Driving without insurance is not only a legal mistake but also a financial one – in the event of a mishap, you won’t have coverage to back you up. Hence, every vehicle owner needs to renew their car insurance policy on time. Thanks to the internet, everything has become more convenient, including buying insurance. Now, you can also renew your car insurance online from the comfort of your home. The following article will guide you through the motor insurance renewal process online.   1.     Choose the insurance company - It is not necessary that you stick with the same insurance company during renewal. There are several great options in the market that provide good deals. Insurance renewal opens opportunities for you to switch polic...
Read more