• Documents Required To Drive A Car In India

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    Driving a vehicle on Indian roads is nothing short of an adventure. With the condition of city roads in a plight, it is necessary that you are armed with the most effective insurance policy when you go out for a drive. To add to the woes, the drivers on Indian roads do not seem to understand the significance of defensive driving. Instead, switching lanes without indication, overtaking from the wrong side, and jumping signals are the semblance of normalcy.

    According to the Motor Vehicles Act, 1988, every driver is required to be in possession of certain documents. Here, we elaborate on the significance of each of these documents.

    Documents That All Car Owners Should Have

    Every car owner should have the following documents pertaining to the vehicle. Not being in possession of these papers can invite heavy fines.

    1. Registration Certificate (RC) - The registration certificate of a vehicle is an official document that serves as proof of its registration. It is used by the government for ensuring that all vehicles on the road are recorded in the vehicle register that is maintained at a national level. The registration certificate should be applied for by the owner of the vehicle at the Regional Transport Office (RTO). The application should be made within 7 days of purchase of the car. This is also the most important document that you should carry with you when driving.
    2. PUC Certificate - The Pollution under Control (PUC) Certificate is provided to a vehicle that passes an emission test. The certificate indicates that the car meets the pollution control norms. The PUC Certificate is a mandatory document that every vehicle should have. Failure to produce the same at the time of an inspection can result in penalties. There are specific ways in which the emissions are evaluated. The PUC test can be conducted at authorised testing centres that are mostly seen at petrol pumps.
    3. Driving License - In order to drive a two-wheeler or four-wheeler in India, it is mandatory to have a driving license (DL). This is defined in the Motor Vehicles Act, 1988. It is not possible to receive a permanent license right after an individual applies for it. He/she will have to obtain the learner’s license first. After a month of issuance of the learner’s license, the individual has to appear for a driving test. An RTO personnel will examine the driving of the individual and declare whether he/she has passed the test or not. The DL will be issued only if the individual has passed the test. After issuance, the DL is a document that should be carried by the driver at all times. This also serves as a valid identity proof for various purposes.
    4. Insurance Policy - The Motor Vehicles Act, 1988, mandates that every vehicle is insured to legally be on the roads. The minimum level of insurance mandated is the third-party liability coverage. However, if the car owner requires additional protection, he can opt for a comprehensive car insurance plan. The comprehensive policy, apart from providing exhaustive insurance protection, can also be enhanced through add-on covers that can be bought separately from the insurer. It is necessary to carry the certificate of insurance when the vehicle is on the road. The actual policy documentation can be kept in some safe place.
    5. Certificate of fitness/Required permits - If you own a vehicle that is used for commercial purposes, you should have the necessary permits. Another important document that is needed is the fitness certificate. This is an official document that certifies that the car is fit for being used in public places.

    If you have been asked to pull over by a police official, you should be able to provide the aforementioned documents, as per the law. The original documents or attested photocopies should be produced. If you do not have the necessary documents, you are liable to pay a fine. If you drive without a valid license or car insurance policy, you may face heavy fines or even a jail term.

    Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I was using Reliance car insurance from last 1 year, i am not satisfied with the coverage value of this insurance policy. I do not have claim experience so far with this insurance policy. A premium of Rs 20000 has to be paid for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with United India Insurance from last 6 months, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance policy. I pay a premium of Rs 14000 which has to be paid every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • Oriental Insurance Car Insurance
      "Good policy for car"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from Oriental insurance and the premium for the policy is 6300. As the car is a second hand one there is no bumber to bumber. They only have zero depression,cashless garage, road assistance. The customer service is fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      The service of Icici Lambard car insurance service is awesome compared to others in the market. They collected all my documents directly which was an easy process. The payments are through online. It was a good experience with Icici Lambard car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HDFC Ergo Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Hdfc Ergo car insurance service is good. The online portal is easy for navigation with lot of good options. They never asked for any documents as it was an paperless approval. The payments are through online. It was an good experience with Hdfc Ergo car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with TATA AIG from last 3 months and it is a good insurance policy to use. They cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and i pay a premium of Rs 12000 for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I directly purchased my car insurance service from the showroom through Icici. The payments are through cheques. They use to intimate regularly. The payments are through cheques. The staffs where friendly during the process. It was an good experience with Icici car insurance service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 23, 2018
    • ICICI Lombard Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my car insured with ICICI lombard from last 7 years, my claim experience was not up to the mark with this car insurance policy as they covered only bumper to bumper damage. I got a coverage value of Rs 2000 for this claim experience. I pay a premium of Rs 6000 for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 2 years, i am happy with the coverage value of this car insurance. I do not have claim experience so far with this car insurance. They cover bumper to bumper as well as third party damages. I pay a premium of Rs 17000 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • ICICI Lombard Car Insurance
      "ICICI LOMBARD Car Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with ICICI lombard and the premium is 28000. They provide bumber to bumber, road assistance, cashless garages, zero depression, accidental coverage to the first party and the third party. While comparing its a good policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • National Insurance Car Insurance
      "Good policy for car"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance from National insurance and the premium amount is 9000. There was no bumber to bumber included with this policy as it was an old car. They include accidental insurance, and third party coverage. I have to renew the policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with ICICI lombard from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far with this insurance. I am not aware of the premium amount of this car insurance. They cover only bumper to bumper damages for this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2018
    • HDFC Ergo Car Insurance
      "Car insurance with HDFC ERGO"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance with HDFC Ergo and the yearly premium which i am paying is 20000. The provide bumber to bumber cashless garage, road assistance and accidental insurance as well. And yearly i have to renew the policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 19, 2018
    • Shriram Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Recently I have renewed the car insurance from the SHRIRAM GENERAL INSURANCE company. The customer support service and the response is good with the Shriram because they give reminders to renew the policy before the due date. I have paid Rs,12,000 to renew the car insurance from the SHRIRAM GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • Oriental Insurance Car Insurance
      "Good car policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with ORIENTAL INSURANCE and the premium which i am paying is 14000 which i have to renew yearly.The benefits include bumber to bumber, road assistance, cashless and accidental insurance as well. I don't have any claim experience but its a good policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 18, 2018
    • Iffco Tokio Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insured with IFFCO TOKYO from more than 1 year, i had a very good claim experience and they covered 80-90% of the billed amount. This policy covers only bumper to bumper and third party damages. A premium of Rs 30000 has to be paid for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • review Car Insurance
      "Very good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the car insurance policy from the Bharathi axis general insurance company around 5 months ago. I have paid around Rs,40,000 to get this policy this year, because this policy covers bumper to bumper benefits and the policy coverage is good with this policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance with National insurance from last 10 years, i have a very good coverage value for this car insurance. I do not have any claim experience so far with this car insurance. A premium of Rs 2500-3000 has to be paid for this car insurance.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 17, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with HDFC ERGO from last 3 years, i am happy with the coverage valye of this policy, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and the premium amount of this insurance is Rs 13000-14000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with Reliance from last 2 years, i do not have any claim experience so far with this car insurance. I pay an insurance premium of Rs 30000 every year. I am happy with the coverage of this insurance and they cover bumper to bumper as well as third party.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 14, 2018
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