Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Carry All Your Documents When Going On A Long Drive

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A lot of us who live in the urban jungle often look forward to taking a long road trip away from the noise and stress of the city. It could even be an impromptu plan that involves a picnic with your special someone. Before we head out of the city, we generally go about making a checklist of the essentials that we may need on the trip. This could include your mobile phone, music, maps, snacks, etc. But what about the documents of your car and insurance policy? A long road trip can be a therapeutic experience, but, on the flip side, it can also be quite an ordeal if you are stranded, away from home, without any documents related to your vehicle.

An experienced traveler will tell you that it is very important that you carry your vehicle documents when travelling on the road. There are general inspections carried out at state borders and highways, during times of riots, or the police could even stop you for an inspection. You might get stopped for breaking a traffic rule and the police have every right to ask you for the documents of your vehicle. It is a good habit to carry all your documents needed when you travel on the road. There is no need to put yourself in a tough spot when you’re far away from home and help isn’t easily available.

Let us take a look at the important documents that everyone should carry with them when on a road trip or a long drive:

  • Registration Certificate of your vehicle: The Registration Certificate (RC) of your vehicle is the most important document that you should carry when on the road. The RC book is an official document that provides proof of registration of the vehicle that is driven. The RC book contains technical details about the vehicle such as vehicle number, chassis number, address of the owner, etc.
  • Pollution Under Control Certificate: A Pollution Under Control (PUC) certificate is an important document to carry when travelling on Indian roads. Every vehicle emits smoke and gases that are a product of fuel being burnt within the engine. These gases need to undergo a stream of filters that clean them to ensure that no harmful or pollution causing gases are emitted out into the atmosphere. A PUC certificate can be obtained at any computerized facility that is authorised to issue the certificate. These facilities are commonly found at petrol bunks and workshops.
  • Driving Licence: A driving licence is an official document that is issued by the Regional Transport Authority/Offices (RTA/RTO) to people who clear the driving test. This document is important to carry when travelling on a long road trip and also acts as an identity card. Another point to keep in mind is that it is illegal to drive on Indian roads without a valid driving licence. This is also one of the first documents that officials ask for if you are stopped on the road by the police.
  • Certificate of Insurance: Every vehicle that plies on Indian roads has to have an updated insurance coverage for the vehicle. This was mandated in 1988 by the Motor Vehicle Act. This applies for both cars as well as two-wheelers. According to Rule 141 of the Act, an insurance agency will provide a Certificate of Insurance for your vehicle which will contain the particulars pertaining to your automobile. A copy of this certificate can be carried in the vehicle while it is advisable to leave the original at home or at the office. Apart from inspection or spot checks, you will require the details of your insurance policy in case your vehicle breaks down. Without these details, seeking help from the insurance company becomes quite a hassle.

Each one of us deserves a break from our daily life to recharge our mind and spirits. Therefore, don’t spend time on your drive calling home to find out details about documents that you should have been carrying. You don’t have to shell out any holiday money as fines if you carry all the documents mentioned above. Most importantly, you get to keep your vehicle as officials can sometimes impound your vehicle if you do not carry these important documents.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Claim Reviews

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  • Reliance General Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    For my old policy I paid the amount of Rs.8000 it was comprehensive plan from front to back bumper was covered, I have chevrlot drive suv. The process was easy and I got the insurance paper from the company on time. I used to make the payment through online.
    Was this review helpful? 1
    , chennai
    Reviewed on Feb 22, 2019
  • ICICI Lombard Car Insurance
    "Better than better"
    0.5 4.5/5 "Excellent!"
    I have taken a car insurance in ICICI Lombard and till now have not compared but at the time of purchasing it was good. I have not gone for claim and there is no requirement for the customer service. I have received the insurance paper. The policy coverage is one year. It is a zero dep plan.
    Was this review helpful? 0
    , faridabad
    Reviewed on Feb 21, 2019
  • Iffco Tokio Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with IFFCO TOKYO from more than 1 year. I paid a premium of Rs 17000-18000 for first year and Rs 13000 for second year. This policy has full coverage with 0% depreciation and i have no claim experience so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 20, 2019
  • Royal Sundaram Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    For the past three years i am using the royal sundaram Car insurance , i had not gone for any claim till now and there is no issue in my vehicle . I feel okay with the royal sundaram client service .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 19, 2019
  • Oriental Insurance Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with Oriental insurance from last 1 year, a premium of Rs 5000 has to be paid for this insurance policy. There was no claim experience taken so far with this insurance. This policy has 50% coverage and i am satisfied with it.
    Was this review helpful? 0
    , ahmednagar
    Reviewed on Feb 19, 2019
  • Bajaj Allianz Car Insurance
    "I have bought my two wheeler insurance policy from Bajaj All"
    0.5 5.0/5 "Blown Away!"
    There is no reason for choosing the car insurance from Bajaj Insurance. Till now i' have not claimed anything from them. Around 3 years I've renewing the policy with the same company. I'm not sure about the premium amount i paid. I never spoke with the customer care service so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 19, 2019
  • ICICI Lombard Car Insurance
    "Very Good Policy"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy a long time back and i have been paying the premium on an annual basis. The premium amount has not been too high and the payment method is pretty simple which is done online. I had made some claims two to three times and the services where quite good.
    Was this review helpful? 0
    , pune
    Reviewed on Feb 18, 2019
  • Oriental Insurance Car Insurance
    "Good Car insurance"
    0.5 4.0/5 "Great!"
    I have bought my car insurance from Oriental company. Based on the lower premium and claim ratio, i have chosen this company. I never interacted with their customer care. I pay the premium amount of Rs. 10000. This car covered with the bumper to bumper facility.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 17, 2019
  • ICICI Lombard Car Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I got Car insurance from Icici Lombard general insurance through As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it annually through online banking
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 15, 2019
  • Royal Sundaram Car Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    I had taken this insurance policy a while back and the experience with them has not been that good. For making the claim it had taken almost 20 days which was not good and it was not convenient. The services of then has to be improved and their customer care has to be improved and the staffs should be more responsible.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
  • HDFC Ergo Car Insurance
    "Excellent Policy"
    0.5 3.5/5 "Pretty good"
    I had taken this insurance policy a long time back and i had been paying the premium on an annual basis. The premium amount was around 30,000 and the payment method has been simple. There has been a single claim which i had made so far and the services where very good and there has not been any difficulty faced.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
  • Royal Sundaram Car Insurance
    "Satisfactory"
    0.5 4.5/5 "Excellent!"
    I have chosen Royal Sundaram for car insurance and done a online comparison. I have received the insurance paper. The premium was reasonable and the policy period is one year. They have good garages and also they are giving me n-number of claims can be done in a year. It is a comprehensive plan.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Feb 13, 2019
  • review Car Insurance
    "Average "
    0.5 3.0/5 "Satisfactory"
    I took my car insurance in Kotak General Insurance because I have account with them. The premium was reasonable. The claim experience was bit tough and it was not beneficiary. The customer service was good but need to improve the garages for cashless. The policy coverage was good but my experience was not satisfactory.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Feb 13, 2019
  • Shriram Car Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I took my car insurance in Shriram General Insurance before 3 years. Its not purchased based on the premium because one of my relative is working here. The customer service was good. The policy coverage is also good. It is a one year policy and first party insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
  • Reliance General Car Insurance
    "GOOD POLICY"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the RELIANCE GENERAL INSURANCE where the premium is nominal when compared to the others also the IDV value is good with this policy. They have provided the policy coverage of bumper to bumper with this policy.
    Was this review helpful? 0
    , namakkal
    Reviewed on Feb 12, 2019
  • United India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the UNITED INDIA INSURANCE where i have no claim experience with this insurance policy. I am using it since from last 3 years where the premium is lower compared to the others along with that they offers good IDV value.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 12, 2019
  • review Car Insurance
    "Smart protection"
    0.5 4.0/5 "Great!"
    My showroom guy issued car policy from Bharati Axa, I didn't compare the cost of the policy. Its zero depreciation plan, bumper to bumper protection is there. They give 24 hours service, road side assistance its all standard. With best IDV on my Honda I20 car.
    Was this review helpful? 0
    , thane
    Reviewed on Feb 12, 2019
  • New India Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I took car insurance with New India Assurance for 1 year, a premium of Rs 5000 has to be paid for this insurance policy. There was no claim experience so far with this insurance. This policy has full coverage and the customer service is very good.
    Was this review helpful? 0
    , nasik
    Reviewed on Feb 11, 2019
  • Bajaj Allianz Car Insurance
    "Its Good but they need to provide less claim settlement"
    0.5 5.0/5 "Blown Away!"
    Bajaj Allianz cost of the car policy is reasonable, last year I paid the amount of Rs. 9000, now I need to pay Rs. 10,000 it has the benefits of zero dep and two times I have claimed it, first time my front mirror got damaged then second time back bumper got damaged. Only I paid the fine of Rs. 1000. Remaining they have taken care but claim settlement value is less, it should be 100%.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 11, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have purchased car insurance with ICICI Lombard. The premium was less when compared to others. I am using the service for one year. It is a third party insurance and it has bumper to bumper offer with zero dep and road side assistance. I have no claim and the hard copy have not received. I paid 13K through online to purchase the policy.
    Was this review helpful? 1
    , chennai
    Reviewed on Feb 09, 2019
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