Every person in India must buy car insurance for his/her car before driving on the road. The Indian Police have the right to check if the car owner possesses valid car insurance. Moreover, it is compulsory to carry all the essential documents required for driving a car at all times.
Now, the question is, do Police check car insurance?
Yes, they do.
The police have the right to check the validity of the insurance and other essential documents as they deem fit. If a person is unable to produce the said documents on the police request, then he/she is eligible for a fine, imprisonment, or both.
As all the information about the vehicles gets compiled in a register in the state and national database, it makes it easier for the police officers to enquire about the car’s insurance from the said office. Once the car insurance expires, it is wise to get it renewed or buy car insurance.
Documents required for driving a car in India
The Indian government makes it necessary to carry certain documents required for driving a car. The list of the documents includes the following —
- The Registration Certificate: This is the first official document to ensure your vehicle is registered and recorded in the National Vehicle Register. You must apply for it at the Regional Transport Office within 7 days of purchasing a vehicle.
- Pollution Under Control (PUC) Certificate: This certificate shows that a vehicle has cleared the pollution emission tests as per the norms for cars in India. You must carry it; failure to do so may result in a fine or penalty. The government has authorised centres or petrol pumps to perform the PUC test.
- Driving License (DL): A driving license is one of the most important documents required by car owners. The Motor Vehicles Act of 1988 states that you have to get a learner’s licence followed by a driving test after a month. Once you qualify, a permanent DL is issued.
- Car Insurance: It is compulsory, as per the Motor Vehicles Act, 1988, to opt for car insurance and carry the documents with you while driving your vehicle. You have to have third-party liability coverage for your car. You can opt for comprehensive plans with additional coverage as per your requirements.
- Certificate of Fitness/required Permits: If the vehicle gets used for commercial purposes, you must have all the necessary permits along with a Fitness Certificate, signifying that the car is fit for being used in public places.
You should buy car insurance immediately after purchasing a car and renew it right before its expiry. Make sure to keep all the necessary documents required to drive a car to save yourself from the penalties and legal hassles.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.