Ask Cash Immediately: Is a PUC certificates required for claims made underneath auto insurance coverage?



Query: I reside in New Delhi. I renew my PUC usually however there had been just a few situations the place I forgot to resume it on time. Are you able to inform me if a PUC certificates is required for claims made underneath motor insurance coverage in case of an accident?


By Sanjiv Bajaj, Joint Chairman and MD, Bajaj Capital Ltd.

Air we breathe in is a necessary ingredient wanted for wholesome residing. With air pollution ranges in India coming underneath extreme, very poor, poor, and average for many cities, it’s crucial to take all attainable steps to save lots of the setting and maintain the air clear. Preserving your automobile validated as an environmentally pleasant car with the PUC certification is extraordinarily crucial on this matter.

A legitimate PUC or “Air pollution Beneath Management” certificates is required for autos all through the nation, made necessary by legislation. Although PUC is necessary for autos is a truth however there’s a false impression in public stating the necessity for it for insurance coverage declare settlement. So, you will need to deliver readability to car house owners for the fitting decision-making.

There isn’t any relation between a “Air pollution underneath Management” certificates and the KYC criterion for expediting your insurance coverage declare settlement course of. Understanding the aim of the PUC will clear the confusion.

A PUC or Air pollution underneath Certificates means that you can know the emissions of your automobile/ car and whether or not they’re in permissible vary or not,  serving to you make a decision on whether or not your car qualifies to be secure to drive upon or not, environmentally. A car proprietor can get this PUC certificates by means of any approved emissions testing facility. A PUC certificates reveals whether or not the emitted carbon monoxide ranges by the car are underneath the permissible ranges or not.

The Supreme Court docket’s ruling on the PUC says {that a} PUC Certificates is among the essential paperwork wanted for driving, relevant all through the nation. Additionally, having a legitimate PUC certificates is obligatory for autos made necessary by the Govt. of India underneath the Central Motor Autos Act.

As per the IRDA pointers, insurers are instructed to chorus from insuring within the absence of a legitimate Air pollution Beneath Management certificates. In order a car proprietor, one wants to make sure that a legitimate PUC is there on the time of renewing insurance coverage. It doesn’t have an effect on your declare. Not having a legitimate PUC (Air pollution Beneath Management Certificates) doesn’t signify that your insurance coverage declare shall be rejected. Furthermore, as of now, there isn’t a relation between the PUC certificates and a newly adopted KYC normal for facilitating insurance coverage claims.

There are, nevertheless, exceptions for the certification equivalent to, at the moment, no PUC is required for electrical autos in India. Understanding the easiest way to maintain your car up to date by means of the fitting insurance coverage with add-on covers and legitimate certifications are among the important facets to derive one of the best out of your car.

(Views expressed by the funding skilled are his/her personal. E-mail us your funding queries at We are going to get your queries answered by our panel of specialists).



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