Knowledge Centre

List of Documents You Need to Carry When Driving a Car in India

Driving a vehicle is nothing short of an adventure ride for many. People spend a huge chunk of their money on buying their dream car. However, a car owner’s dream can come crashing down in case the vehicle meets with an accident. Though accident is an event one cannot have control over, there are certain precautionary measures one can take to ensure they are driving legally and safe. So just like you carry your list of must-have items in your bag, there are certain documents that are an absolute must-have when you are out driving on the Indian roads.

Car insurance policy: The Motor Vehicles Act, 1988 has made it mandatory for every vehicle owner to possess a third party car insurance cover. Another type of car insurance policy you can buy is comprehensive insurance cover. While a third party insurance safeguards you against all the liabilities arising out of damages caused to third person or property, a comprehensive insurance insures your vehicle as well as third party or property. One can opt for additional add-ons to increase the coverage of the comprehensive car policy.

Driving license: The Motor Vehicles Act, 1988 makes it mandatory for a vehicle owner in India to carry a valid driving license. Driving without a valid driving license is a punishable offence in India and your claim will get rejected on this ground. You can apply for driving license for car in India at the nearest RTO on attaining the age of 18.

Pollution Under Control Certificate: This is a mandatory certificate that is an absolute must-have for all the vehicles plying on Indian roads. The certificate acts as a proof of your vehicle having undergone the required emission test, stating that the vehicle is safe to be driven on Indian roads. Driving without a valid PUC certificate is a punishable offence in India and your claim under insurance policy will also get rejected.

Registration certificate: A registration certificate is a document that states the registration of your vehicle with the Indian Government. No person is allowed to drive a vehicle in India without a valid RC and doing so can attract fine or imprisonment of up to 3-6 months. As per section 39 r/w 192 of the Motor Vehicle Act, a person without a valid R.C, for his vehicle is liable to pay a penalty of INR 2000.

With this, if you are driving a commercial vehicle, then it is mandatory for you to carry a fitness certificate and the necessary permits.

In a nutshell

Ensure that when you are out on a drive alone or with your family, you carry the above documents to keep yourself away from all the legal obligations and be a responsible citizen. In case you don’t have the above documents, you will have to pay the required fine.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

Awards & Recognition