If you own a two-wheeler or a car, you must carry all the required vehicle documents with you before taking your vehicle out on the roads. According to the Indian Motors Acts 1988, and Motor Vehicle Amendment Act 2019, vehicle owners are required to carry documents that include driving license, Pollution Under Control Certificate (PUC), Registration Certificate (RC) at all times while driving their vehicle.
Apart from the above-mentioned documents, it is also mandatory to purchase a third-party car insurance policy for all vehicle owners in India. A third party insurance policy provides coverage against the losses caused to the injured party in case of an accident. You can read an in-depth explanation on what is third party car insurance in our Discover section.
In case you fail to show the mandatory documents to the authorities when demanded, you may have to pay hefty fines. To lessen the hassle of carrying physical documents every time, the Government of India has introduced Digilocker and Mparivahan under the Digital India Initiative.
The Ministry of Road Transport and Highways recently issued a circular to the states directing them to accept e-documents presented through Digilocker and M-Parivahan platforms. Under the Information Technology Act 2000, the electronic records on the Digilocker and M-Parivahan platforms are recognized as good as physical documents.
These online platforms will help you to access your vehicle documents with ease and avoid hefty fines. As per the recently passed new Motor Vehicle Act, 2019, motorists driving without a license may now have to pay Rs 5,000 as fine and/or do community service, whereas motorists driving without motor insurance may have to bear Rs2,000 as fine and/or imprisonment up to 3 months.
Therefore, if you have a vehicle, it is advisable to purchase a comprehensive motor insurance policy and ensure its timely renewal. A comprehensive motor insurance policy takes care of third-party liability and also protects your vehicle against theft, damage caused due to fire, riot, flood, and terrorism. Moreover, it also covers the rider in an unfortunate event of an accident. It is also important to understand how to renew motor insurance so that your policy doesn’t expire.
Nowadays, with leading insurance providers, you can purchase and renew your motor insurance online. Even claims settlement can be done online in a hassle-free way. Motor insurance provides wider coverage at an affordable premium. Minimal documentation, round-the-clock assistance, and special add-ons are some of the major advantages of availing a motor insurance policy. So why wait? Avail a motor insurance and secure yourself from the financial liabilities that may arise in case of an unfortunate event.
To know more on car insurance in depth, you can check out these blogs: