If you think, “What is the big deal with driving without insurance in India?” it’s time to get your priorities right. If you get caught driving without insurance in India, you may need to pay a hefty fine, serve prison time, or both. In India, the fine for driving without insurance can start at INR 2000 and go even higher. Remember, this is just the start of your troubles. The authorities can even slap you with a license suspension.
Let’s delve deeper, so you know exactly how you can be penalised under such circumstances.
Fine for Driving Without Insurance
Fines for driving without insurance in India can be high, so staying covered with the right policy is important. Some penalties you may face if caught without a valid insurance plan are listed below.
- You will face a Fixed Penalty Notice (FPN) of INR 2000 for the first time and INR 4000 for repeated offences or imprisonment of up to 3 months or both.
- In severe cases, you can even end up in Court, where the fines imposed on you can be quite high.
- Driving without valid insurance coverage will result in the suspension of your license. Your vehicle’s registration could also get suspended.
- Driving without insurance can lead to legal trouble, including potential lawsuits if you cause an accident. Unfortunately, if any accident occurs, you may need to pay for any harm or injuries that happen because of it.
- Once caught driving without insurance, finding affordable coverage in the future can be more challenging. Some insurers may consider you a high-risk driver.
- If caught with an insurance policy that expired three months ago, you will have to pay a fine of INR 1000. But if your plan’s expiry date shows that your policy is invalid for a duration of more than 3 months, the penalty for driving without insurance could go up to INR 2000.
Look for a plan with adequate coverage, and remember to renew your policy on time. Although third-party coverage is mandatory in India, investing in a comprehensive car insurance policy is sensible.
Conclusion
Driving without insurance is a no-go in India. Penalties are no joke, so ensure you remain covered with the right insurance plan. Ultimately, the message is clear: stay on the right side of the law and be protected on the road. Avoid the fines, safeguard yourself, and look out for others. Car insurance is not just for your vehicle; it is a shield that helps you avoid any illegal issues and safeguards you, as well as others, against mishaps.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and 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.