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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Section 196 of the Motor Vehicles Act 

The Motor Vehicle Act of 2019 imposes hefty penalties on individuals who violate traffic safety rules. Section 196 of the Motor Vehicles Act talks about driving uninsured vehicles and the respective fines. According to the section, any individual who drives a motor vehicle or allows someone to drive their vehicle in contravention of the provisions of Section 146, will be punishable by law. Let’s take a look at the penalties imposed under this section.


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Penalties Charged under Section 196 of the Motor Vehicles Act

According to Section 196 of the new Motor Vehicles Act, driving an uninsured vehicle is a punishable offence, and thus attracts a penalty/imprisonment. The penalties under this section are as follows:


  • If you are found guilty of the offence under Section 196, you will have to undergo imprisonment of up to three months and/or have to pay a penalty of ₹2,000 for the first offence.

  • For a subsequent offence, you might be punished with imprisonment for three months or a ₹4,000 fine or both.

In Conclusion

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 MV Act

  • ✔️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 fine for driving without insurance under Section 196 of the MV Act?

    You will have to pay a fine of ₹2,000 for driving without a valid insurance policy as per the updated Section 196 of the MV Act.

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

    As per the new Motor Vehicles Act, 2019, the fine for driving without valid insurance was increased from ₹1,000 to ₹2,000.

  • ✔️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 ₹1,000 as per the Motor Vehicles Act, 2019.

  • ✔️Is it compulsory to buy comprehensive motor insurance under the Motor Vehicles Act?

    No. Buying a comprehensive motor insurance plan is optional. However, it is recommended to opt for a comprehensive plan to get extensive coverage against unforeseen perils.

  • ✔️Do I need to carry my car’s insurance papers while driving in India?

    Yes. You need to carry your car’s insurance policy documents while driving in India as per the law. You must also remember to carry your car’s RC book and PUC certificate as well.

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