Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • 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
    • Royal Sundaram Car Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken my car insurance with Royal Sundaram. The policy coverage is good. The premium is on the costlier side when compared to TATA AIG and ICICI Lombard. Likewise the benefits are also not up to the mark. They are not covering electric and non electric parts and plastic as well.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 18, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO for 1 year, i am happy with the policy benefits and plan coverage of this insurance policy. A insurance premium of Rs 18000 has to be paid for this insurance policy. This policy includes full coverage.
      Was this review helpful? 1
      , gulbarga
      Reviewed on Sep 12, 2018
    • Oriental Insurance Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance with Oriental insurance for 1 year, i am happy with the coverage value of this insurance policy. I have to pay an insurance premium of Rs 5000 for this insurance. Customer service was good and they explained everything about the policy terms and conditions.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 12, 2018
    • Tata AIG Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      My car insurance is with TATA AIG and i have taken this policy for 1 year. I have to pay an insurance premium of Rs 9000 for this insurance. They cover bumper to bumper damages and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 12, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance with Reliance general insurance for 1 year, a premium of Rs 7600 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. This policy has a basic coverage and i am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car insurance is with Reliance general for 1 year and it is a good insurance policy to use. I pay a premium of Rs 25000 for this insurance policy and it has full coverage. I am satisfied with the terms and conditions explained by the customer service of this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with National insurance for 1 year, I have to pay a premium of Rs 10000 for this health insurance policy. The benefits of this car insurance is, it is 0% depreciation and it has a full coverage. Customer service was very good and their response was on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • Iffco Tokio Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with IFFCO TOKYO and i have taken this insurance for 1 year, it is a zero depreciation and it has a full coverage. A premium of Rs 21808 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • National Insurance Car Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      My Car insured with the National Insurance. I am paying a premium of 3000, I do not have any claim experience with the policy and it offers features as cashless garage and roadside assistance. So far it has been an hassle free experience with their services.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 11, 2018
    • National Insurance Car Insurance
      "Fraud on insurance"
      0.5 1.0/5 "Really Bad"
      Loan Acc No : 5002098252 TN22 DD 7996 Based on the guidance of the officials who works at T nagar branch, Chennai, i did the insurance. They told me hereafter insurance is to be renewed by myself as my insurance alliance with TMF was cancelled so i did insurance myself. But now they are not responding for refund my money. So please pay back my money which i have paid so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy with Bharti AXA for 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. No claim experience so far and they cover bumper to bumper damage.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 08, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO and i have taken this insurance for 1 year, a premium of Rs 21000 has to be paid for this insurance policy. The benefits of this insurance is, there is full coverage for this insurance and they can cover up to 90%.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Sep 08, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insured with HDFC ERGO and i have taken this insurance for 1 year. I am not aware of the premium amount for this insurance policy. They cover bumper to bumper damage for this insurance policy and the customer service was good with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • review Car Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy with Bharti Axa general insurance for 1 year, i am happy with the coverage value of this insurance policy. I have to pay a premium of Rs 12500 for this insurance policy. Customer service was good and they explained about the insurance in detail.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 08, 2018
    • New India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken car insurance policy with New India Assurance for 1 year, a premium of Rs 29000 has to be paid for this insurance policy. This policy covers full coverage and i am happy with the coverage value. Customer service was good as they explained about the insurance terms and conditions.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • Shriram Car Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with Shriram Finance. The services and response is good. I was able to get the policy on time and with ease. They have also provided a good policy coverage. There are good benefits like road side assistance and the premium is normal.
      Was this review helpful? 0
      , indore
      Reviewed on Sep 07, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My car is insured with Bajaj Allianz from last 10 years and it is a good policy to use. I pay a premium of Rs 5000 for this insurance policy. I have claimed this insurance 4 years back and they covered 80% and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 06, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance policy with United India Insurance from last 1 year, i am happy with the coverage value of this insurance policy. A premium of Rs 24000 has to be paid for this car insurance policy. They cover bumper to bumper damages for this car insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 1 year and it is a good policy to use. I have to pay a premium of Rs 19000 for this insurance policy. I have not claimed anything so far from this insurance policy and they cover bumper to bumper damage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 06, 2018
    • New India Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      MY car insurance is with NEw India Assurance from last 4 years and it is a good policy to use. I am not sure about the premium amount but they cover bumper to bumper damage. My claim experiecnce was good with this insurance policy. Customer service was good with this insurance and they responded on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 05, 2018
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