Is a PUC certificate mandatory for vehicle insurance claims?

You can get a PUC certificate from any licensed emissions testing centre. A PUC certificate confirms the quantity of carbon monoxide emitted by a vehicle is inside legally acceptable limits. This certificate is likely one of the main paperwork required for driving round within the nation.

Supreme courtroom rulings: “The Government of India has made the PUC certificate obligatory for all automobiles below the Central Motor Vehicles Rule of 1989,” said Nitin Deo, chief technical officer, Edelweiss General Insurance. Therefore, the Insurance Regulatory and Development Authority of India (Irdai) has asked insurers not to insure a vehicle without a valid PUC certificate.

“Vehicle owners will be required to present a valid PUC certificate when renewing their insurance, according to the Irdai notification. As per law, no vehicle may operate without third-party insurance, a rule that is frequently broken due to lax enforcement. The Irdai decision is based on a Supreme Court judgement which stated that insurers cannot insure a car unless it has an effective PUC certificate on the date of policy renewal,” mentioned Sanjiv Bajaj, Jt. chairman and MD, Bajaj Capital Ltd. However, this doesn’t imply your insurance declare will likely be rejected if you do not have a legitimate PUC certificate.

New KYC norms: In November, the newly-introduced KYC norm for easing the insurance declare settlement course of has nothing to do with the PUC certificate.

“There isn’t any such replace but. Irdai launched a round on 26 August 2020 after they noticed that some media experiences misrepresented the sooner round issued by the regulator. Thus, in August 2020, Irdai clarified that should you don’t maintain a legitimate PUC certificate, it doesn’t imply that it’s a legitimate motive for denying declare below a motor insurance coverage,” said Deo.

Animesh Das, senior director of motor mnderwriting at ACKO, said, “Insurance claim is not dependent on PUC status. Some misleading information in the market claims that PUC is mandatory for claims, but that is incorrect.”

For occasion, suppose your PUC certificate expires and your automobile meets with an accident quickly after, the insurer is legally certain to settle your declare.

Validity: When you purchase a new automobile, the PUC certificate is legitimate for the primary yr. After that, you have to do a PUC examine each three or six months, be it petrol or diesel automobiles. So, it’s mandatory to get your vehicle’s air pollution emission ranges examined usually in an effort to renew the PUC certificate.

Electric Vehicles: You don’t require a PUC certificate for electrical automobiles (EVs). Das mentioned, “EVs are environment-friendly and therefore there is no such thing as a such provision.”