Section 196 of Motor Vehicle Act

Driving uninsured vehicles is an offence under Section 196 of Motor Vehicle Act. The person found guilty of driving an uninsured vehicle can be punished with imprisonment of up to three months and/or penalty of ₹2000. A subsequent offence can lead to stricter punishment of imprisonment for 3 months or ₹4000 fine or both. This strict punishment regime is meant to act as a check against growing road mishaps in India and to ensure that people follow traffic rules. To avoid getting penalised, it is best to always keep your vehicle insured.

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What is Section 196 of Motor Vehicle Act?

According to Section 196 of the new Motor Vehicle Act, driving an uninsured vehicle is a punishable offence, and thus attracts a penalty/imprisonment. An individual found guilty of the offence under Section 196 will have to undergo imprisonment of up to three months and/or have to pay a penalty of ₹1000. As per the new Motor Vehicles Act, 2019, the fine has been increased from ₹1000 to ₹2000 for the first offence. However, for a subsequent offence, you might be punished with imprisonment for 3 months or ₹4000 fine or both.


The new Motor Vehicles Act, 2019 has been introduced with harsher penalties to ensure that people follow the traffic rules strictly in a bid to bring down the rate of accidents in the country. Motor insurance is not only mandatory but also beneficial in dealing with third-party liabilities and unforeseen losses. So, instead of seeing it as an obligation, you must consider it to be a lucrative financial product that protects you against the uncertainties of owning a car/bike. 

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FAQs on Section 196 of Motor Vehicle Act, 1988

  • ✔️What is Section 196 of the Motor Vehicles Act?

    Section 196 of the Motor Vehicles Act has provisions for fines against people found to be driving a vehicle without a valid insurance plan. 

  • ✔️What is the 196 MV Act fine for driving without insurance?

    You will have to pay a fine of ₹2000 for driving without insurance as per the updated Section 196 of MV act. 

  • ✔️What was the change made in 196 MV Act 2019?

    As per the new MV Act, 2019, the fine for driving without insurance was increased from ₹1000 to ₹2000. 

  • ✔️Where can I get the cheapest motor insurance?

    You can find affordable motor insurance by comparing all the insurance plans available online and choosing the one that provides the most features under your budget.

  • ✔️What is the fine for driving without a helmet as per the new Motor Vehicles Act?

    The fine for driving without a helmet has been increased from ₹100 to ₹1000 as per the Motor Vehicles Act, 2019. 

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