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
    • National Insurance Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 14, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with National Insurance from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 5500 for this insurance and they cover third party damages.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from more than 4 years, a premium of Rs 8000 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the National Insurance. I have Claimed it once and it was a seamless experience. I am paying a premium of 12000 an year and the IDV value was also fair for my car. Overall it has been a very good experience with the national insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a Car Insurance policy with the IFFCO Tokyo. I am paying a premium of 30000 Per year, they also offered a fair IDV value for my car. The policy has got roadside assistance and cashless garage facility as well. I've claimed the policy twice. It was very fast and they precessed the claims with out any hassle.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      My car insurance is with HDFC ERGO from last 1 year, i pay a premium of Rs 12000 and it has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am not happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • Bajaj Allianz Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from United India assurance Am satisfied with the premium month even i had claim experience they responded very well for claiming process, this policy doesn't cover bumper to bumper cover as my car got old. Making the payment annually through the agent.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a Car insurance with ICICI lombard from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damages and i pay a premium of Rs 10500 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 3 years and it is a good policy to use. I pay a premium of Rs 6300 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value and they cover bumper to bumper damages.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      Taken car Insurance from Hdfc general insurance company for last 2 years .And am making payments through on-line banking service annually . It has the benefits of bumper to bumper coverage , cashless garages Their customer service and response is good . It has good coverage policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 03, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, whuich have insured with the United India Insurance company. I would like to say that the response is an excellent one too with the United India Insurance company. Coverage value is around 2.9 lakh Rupees with them as such.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 03, 2018
    • Tata AIG Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Tata Aig Car insurance. I pay a premium of 15000 per year. They have also offered me a fair IDV value for my car. I never had any issues with the their services. Overall I never had any issues with the car insurance policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Bharti Axa general insurance from last 2 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11500 for this car insurance. The coverage value is good with this insurance and they cover both bumper to bumper and third party.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with National insurance from last 10-12 years and it is one of the good policy. I pay a premium of Rs 9000-10000 for this car insurance. I have claimed once in 2010 and the experience was very good, road side assistance was given and there was a cashless garage.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 01, 2018
    • Shriram Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have got my car insurance from the SHRIRAM GENERAL INSURANCE through the showroom where i have got the car. I am holding it since last 1 year and 8 months. Actually i had a no claiming experience with the insurance for my car. Coverage is good in my insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the car insurance from the NATIONAL INSURANCE. I have a good experience with the life insurance I have got through the on line where the process is so simple. I had a no claim experience i had so far with my insurance. The coverage is for B to B.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • United India Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the United India, I am making the payments online. I never had any claim experience with the policy so far. Considering the policy coverage and plan benefit, it has been a smooth experience so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 29, 2018
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