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Can I Buy a Car Without Insurance?

Discover whether it's possible to buy a car without insurance in India, legal implications, and advantages of additional coverage like Zero Depreciation Add-On.

  • 19 Feb 2024
  • 2 min read

In India, as per the Motor Vehicles Act of 1988, it is mandatory to have at least third-party insurance to drive a vehicle on the road. Keeping this in mind, many car dealers offer the services of a designated car insurance agent to help customers purchase car insurance along with the car. But what if you do not want to buy insurance offered by the dealer’s agent? Then arises the question, can you buy a car without insurance?


Let’s look at the answer to this question in detail.

Is it Possible to Purchase a Car Without Insurance?

You may have a question continuously plaguing your mind: Can I buy a car without insurance? Let’s understand it here:

  • The answer is: Yes, you can buy a car without insurance from the showroom or dealer. But you definitely must buy a car insurance from another source or insurance agency, if you want to drive it on the road.
  • As per the Motor Vehicles Act of 1988, you must have car insurance to drive your car out on the road.
  • Some insurance policies might offer temporary coverage, but it’s typically not a long-term solution.
  • Skipping insurance might lead to hefty fines or legal troubles, if caught driving uninsured.

When exploring the possibility of purchasing a car without car insurance, it’s crucial to consider the advantages of additional coverage, such as the Zero Depreciation Add-On.


Benefits of the Zero Depreciation Add-On:

Adding a zero-depreciation cover to your insurance can be a game-changer.

  • With this add-on, your insurer covers the full amount for depreciated car parts.
  • This includes crucial elements like airbag replacements, ensuring comprehensive coverage.

Also read:


There are laws against buying an automobile without insurance in India. Therefore, driving a car without insurance may seem tempting, but it’s dangerous and may land you into legal troubles.

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