Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Pollution Under Control (PUC) Certificate

    In India, a valid driving license, insurance coverage and a Pollution Under Control Certificate are legal mandatory requirements for a car. An insurance coverage is mandated by the Motor Vehicles Act, 1988, for all cars plying on Indian roads. Similarly, the Central Motor Vehicle Rule, 1989 mandates the PUC Certification.

    pollution under control certificate

    What is PUC Certificate?

    The smoke emitted from vehicles, if left unchecked, could pollute the environment to a great extent. PUC is a certification mark that is provided to vehicles that undergo the PUC Test successfully. The certification indicates that the vehicle’s emissions are in alignment with standard pollution norms and are not harmful to the environment. All vehicles on Indian roads are mandated to carry a valid PUC certification.

    Validity and Cost:

    • When you purchase a new car, a PUC certificate is provided for it and the validity of this certificate is 1 year. Following that your car would need to undergo the PUC test at regular intervals and a new certificate will be issued each time.
    • The validity of the new certificate is usually 6 months. In case an adverse reading is observed in the PUC test, the validity of the certificate will be decided on the basis of that reading.
    • If cars exhibit higher levels of emission than the prescribed limits, the registration number of the vehicle will be informed to the RTO, Deputy RTO or Assistant RTO by the testing centre within one day.
    • The cost of the PUC test is quite minimal. It varies from Rs. 60 to Rs. 100, based on the vehicle that is being tested and its fuel type.

    PUC Test Procedure:

    In the case of diesel vehicles, the accelerator is fully pressed and the readings of pollution levels are observed. This is repeated five times and the average constitutes the final reading.

    For petrol vehicles, the car is kept idling without pressing the accelerator. Only one reading is taken and this constitutes the final reading.

    Test Criteria and Certificate:

    All vehicles that are tested for PUC should fall within the following limits.

    Vehicle Type Percentage of CO Hydrocarbon measured in ppm
    2 and 3 wheeled vehicles (2 or 4 stroke) that are manufactured on or before 31st March 2000 4.5 9000
    2 and 3 wheeled vehicles (2 stroke) that are manufactured after 31st March 2000 3.5 6000
    2 and 3 wheeled vehicles (4 stroke) that are manufactured after 31st March 2000 3.5 4500
    4 wheeled vehicles that are manufactured as per the Pre Bharat Stage II Norms 3 1500
    4 wheeled vehicles that are manufactured as per the Pre Bharat Stage II, Stage III or subsequent Norms 0.5 750

    PUC testing can be done at any authorised petrol pumps or independent testing centres. The certificates are also issued at the location of the tests.

    Importance of PUC Certificate:

    The PUC certificate contains the following information,

    • The serial number of the issued certificate
    • The vehicle’s license plate number
    • The date on which the test was conducted
    • The expiry date of the PUC certificate
    • The readings and observations from the test

    PUC certificate is an important document that you should carry at all times when you are driving the tested vehicle. When requested by a traffic official, if you are unable to furnish this document, you will have to bear the penalties. You should also ensure that it is renewed as soon as it expires to avoid fines.

    If a vehicle does not carry a valid PUC certificate, it is liable for prosecution as per Section 190(2) of the Motor Vehicles Act. The driver will be charged Rs. 1000 if it is a first-time offense, and Rs. 2000 for every subsequent offense.

    In case you are carrying a valid PUC certificate, but your vehicle is visibly polluting the environment, the certificate of your vehicle will be cancelled and you will be required to procure a new certificate within 1 week. If you fail to do so, you will be prosecuted under Section 190(2) of the Motor Vehicles Act.

    PUC Certification and Car Insurance Renewal:

    Towards the end of 2017, the Supreme Court gave a nod to the recommendations raised by the Environment Pollution (Prevention and Control) Authority (EPCA) that focussed on battling air pollution in the country. The Supreme Court Bench with Justice Deepak Gupta and Justice Madan B Lokur stated that it would be necessary to link the PUC Certificate with the car insurance policy of an individual for insurance renewal to be successful. The bench clearly specified that vehicles which do not conform to these rules will not be allowed to extend insurance coverage through renewal.

    This was a landmark ruling by the Supreme Court, as there have been reports of poor compliance with the PUC certification programme on a national level. It was observed that only 23% of the vehicles in Delhi attended PUC tests.

    Some of the highlights of the Supreme Court directive are as follows:

    1. PUC centres allowed in every fuel station - Although there have been recommendations to reduce the number of PUC centres in Delhi and NCR on grounds of difficulty in supervision of these establishments, the Ministry of Road Transport and Highways (MoRTH) disagreed to this. MoRTH mentioned to the court that it would be ideal to have PUC centres in every fuel station. The court has agreed to this proposal with a rider, stating that each station should then be empanelled and listed on the MoRTH website. The court has further stated that the government should audit these stations regularly for compliance.
    2. Automatic online network to be set up for linking PUC data centres - The Supreme Court has accepted the recommendation to link PUC data centres automatically and mandate the prepayment of fees for PUC tests. There will also be a strict licensing system that includes the audit of PUC centres. These reforms will make sure that all the relevant tests are done and results are recorded.
    3. Recommendations on PUC norms improvement for pre-BSIV vehicles - There have been recommendations on making the PUC norms more stringent for pre-BSIV vehicles, implementation of driving emission testing for these vehicles, and integration of diagnostic systems. These recommendations have been contested by the Road Transport ministry and will be heard at a later date.

    All in all, the Supreme Court directives will help in improving the compliance towards the PUC testing system. This is regarded as the first step towards fighting air pollution across the nation, and is not limited to the capital.

    Pollution Under Control FAQs:

    1. Which vehicles require PUC Certification?
    2. All motor vehicles plying on Indian roads are required to have a valid PUC Certificate.

    3. Will I have to take a new PUC Certificate when I travel to a different state in India?
    4. No, the PUC Certificate is valid across the entire country.

    5. Who has the authority to conduct a Pollution Under Control test?
    6. The person conducting the PUC test should have a minimum qualification of a degree in motor mechanics or automobile engineering issued by a recognised body. The individual should also know the procedures involved in making minor repairs/adjustments on the vehicle that would bring down the pollution levels. These changes should also not bring about any negative impact on the engine performance.

    7. What are the requirements for undergoing a pollution check?
    8. You will have to take your car to the pollution testing centre and appear in person for the same. There is no other requirement for the pollution check.

    9. When should a car be tested for pollution?
    10. You should conduct the PUC test when you buy a new vehicle. A PUC Certificate is always provided with the new car. This certificate will have a validity of 1 year. Following that you will have to get the vehicle certified again on a periodic basis.

    Brand New Articles on Car Insurance

    Does Car Insurance Premium Increase After A Claim?

    Car insurance is a protective mechanism that offers you a safety net to tide through unprecedented events, such as accidents, auto theft, natural disasters, etc. However, it is often heard that raising a claim under your car insurance can cause a premium hike at renewal. It is important to separate the fact from fiction and understand whether filing claims can actually increase renewal premium.

    Overall, it is understood that you should refrain from raising claims under car insurance if the incurred loss is small. This will help preserve the No Claim Bonus, and insurers will not consider you to be in the high-risk category.

    This page clarifies how the premiums can rise after a claim and what you should do to ensure that you get a good deal on your car insurance.

    What Is Physical Damage Cover In Car Insurance?

    The Indian law mandates that all vehicles plying on the roads are protected by at least a minimum of third-party liability insurance. But it is highly recommended that you buy a comprehensive car insurance policy to get maximum protection for your car.

    The physical damage cover offered by car insurance companies is of two types:

    • Comprehensive cover
    • Collision cover

    This page elaborates on the protection offered by physical damage cover, and should be read by all car owners.

    What Is Liability-Only Insurance Cover?

    In India, all vehicles on the roads should be insured with a minimum insurance cover, referred to as the third-party liability cover. This is mandated by law. The third-party liability cover offers protection from legal liability to injuries/death of a third party in an accident. It also offers protection to the property of a third party in an accident. It does not protect the car owner or the insured car itself from accidents, thefts, natural calamities, etc.

    The third-party liability cover is also referred to as a liability-only plan or act-only policy. This page elaborates on the third-party liability insurance cover and the general exclusions under it.

    What Are The Factors That Determine Your Car Insurance Premium?

    According to the Motor Vehicles Act, all car owners should equip their vehicles with a minimum of third-party liability insurance. This is the cheapest form of car insurance and also the simplest.

    The comprehensive auto insurance policy has extensive coverage when compared to the liability-only plan. However, it is also more expensive. Apart from the extent of coverage, there are several other factors that influence the premium of your car insurance. This page takes a look at these factors in detail.

    Case Study - Delay In Raising Car Insurance Claim

    If your insured car meets with an accident, it is imperative that you raise a claim as quickly as possible. If your claim is delayed, the insurance company may refuse to honour the claim. So, be aware of the timelines within which you should report an accident or theft. This information will be provided in your car insurance policy document. Read through the document carefully so that you are aware of the nuances in the fine print.

    This page explains the need to raise a car insurance claim quickly through a case study.

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

    News about pollution under control certificate

    • Second-Generation Audi Q3 globally unveiled on 25 July

      The second generation Audi Q3 developed on MQB platform has been unveiled on 25 July 2018 across the globe. Earlier, before the launch of the vehicle, Audi had previewed this new SUV through a small video teaser giving out glimpses of its upgrades. Signature octagonal front grille, Q8 inspired LED light signature, and muscular body are some of the outstanding exterior features of this stunning four-wheeler. Coming to its interior, it is featuring a new 12.3” virtual cockpit with HD graphics and the latest version of Audi's 10” MMI infotainment system. Its safety features include active lane assist, adaptive cruise control, rear cross-traffic alert, lane departure warning, and forward emergency braking.

      This upgraded version of Audi Q3 is not only more spacious but also sportier in appearance. Even though it is launched with 3 customisable engine options globally, it will come with 1 petrol and 1 diesel engine variant in India. The immediate competitors of this small-sized SUV are BMW X1, Merc GL, and Volvo XC40. It is expected to be launched in India by 2019.

      11 September 2018

    • 2018 Audi TT facelift images released

      Images of the Audi TT facelift have been released online, displaying the design changes that can be expected in the car. The facelifted model has aggressive styling when compared to the previous model. There is an enlarged front splitter and diffuser. The technical specifications of the car have not been released as yet. However, it is expected that the engine of the car will remain the same.

      The current model of the vehicle is available with a 1.8 litre TFSI engine, a 2 litre TDI engine, and a 2 litre TFSI engine. Audi will work on improving the output and efficiency of the petrol engines in the next-gen model.

      The current-gen model of the car was introduced in 2014 at the Geneva Motor Show. The third generation TT is available in India from 2015 onwards and is priced at Rs.73.54 lakh, on-road Delhi. The car manufacturer has not revealed the launch date of the new generation of the car in India.

      4 September 2018

    • Mercedes To Launch Its BS-VI Diesel Engine In the E-Class All Terrain

      Mercedes-Benz launched the first BS-VI compliant engine in the S 350d Limousine in February this year. The carmaker is now launching its next BS-VI diesel engine in the E-class All Terrain. There will be certain changes made in the engine to achieve this compatibility. The car is expected to be launched in August. Following this launch, the C-class may be launched next month. Other car makers too are expected to follow the trend to comply with constantly advancing pollution norms.

      21 August 2018

    • Pictures of 2018 Honda Jazz Surface On the Internet Ahead of launch

      Honda has recently announced its plans to launch its updated Jazz hatchback in India on July 19, 2018. The pictures of the updated model with feature additions have surfaced online. The 2018 Honda Jazz will be available in three diesel variants and four petrol variants. The car will come in five exterior paint shades. While the petrol variant will have V and VX trims and diesel variants will have S, V, and VX trims. The updated version of the car will be sold with CVT automatic gearbox and manual options. The car will take on rival cars such as Maruti Baleno and the Hyundai i20.

      14 August 2018

    • BMW X4 Expected To Launch In India In 2019

      BMW’s midsize SUV X4 is expected to launch in India by mid-2019. The car will be offered in two engine options and will be assembled in the automaker’s plant in Chennai. Featuring a 2.0 litre, four cylinder petrol engine, the X4 xDrive30i will be capable to churn out a maximum power of 252 hp and a maximum torque of 350 Nm. The xDrive30d, on the other hand will produce a maximum power of 265 hp and a maximum torque of 620 Nm. The X4 xDrive30i and the xDrive30d can go from the speed of 0 to 100 kmph in 6.3 seconds and 5.8 seconds respectively.

      6 August 2018

    • Latest spy images of the 2019 Mercedes-Benz GLE reveal its wide display

      Mercedes-Benz is all set to launch its new fourth-gen GLE SUV soon and it is rigorously testing the vehicle these days. While the car has been spied upon several times during the testing trials, a new image with clearer details of its interior has created a buzz. The latest click of this spy camera gives glimpses of the car interiors along with more specific details than the previous spy shots. The wide and large display that containing digital instrument cluster and infotainment system is quite obvious from the new shot. However, unlike the E-Class and the S-Class, the display doesn't seem to be going well with the dashboard. Even though only 2 AC vents are visible in the new shot, the earlier shots have already revealed that there are 4 vents in this car. In the shot, this updated version is found to have a regular steering wheel with an array of controls and touch-sensitive panel option. However, the grab handles of the centre tunnel of the upcoming GLE are not very clear in the recent image like the previous image. While the previous image mostly revealed the exterior design, from the new shot many of the interior features of the car have become evident. It is expected that the upcoming GLE will have the same 2.0-litre petrol and diesel engines as well as a 3.0-litre V6 diesel unit like the E-Class. Expectedly, while this new version will be released in the international market by the last half of this year, it will hit the Indian market by 2019. It is priced between Rs.66.48 lakh to Rs.77.05 lakh.

      2 August 2018

    • Bookings Open For New Range Rover Variants in India

      The bookings for the new variants Range Rover Sport SVR and Range Rover SV Autobiography have begun in India. While the starting price for Range Rover Sport SVR is Rs.1.97 crore, the price for Range Rover SV Autobiography ranges between Rs.3.12 crore and Rs.3.88 crore. The newly launched variants are the most capable and fastest Land Rover SUVs that offer better performance and multi-terrain capabilities. Both the models feature some prominent upgrades in terms of design including lighter sports seats, carbon fibre bonnet, and more. The Range Rover Sport SVR can go from the speed of 0 to 100 kmph in 4.5 seconds.

      31 July 2018

    • All Mercedes Benz's Diesel Vehicles to Come with BS-VI engines

      Mercedes Benz, the luxury carmaker in India has announced that all its upcoming diesel models would comply with BS VI emission norms. Diesel models comprise of 75% of sales made by the company in the Indian market. Michael Jopp, the VP, Sales and Marketing at Mercedes Benz India said that all the diesel engines that will be launched in India from now on will be BS VI compliant. He also said that these diesel engines will be locally assembled at its plant in Chakan, Maharashtra. Mercedes currently has 93 outlets in 45 cities and it envisions expanding its sales network in India in coming years.

      24 July 2018

    • Hyderabad 3rd Most Sound-Polluted City In India

      As per the recent figures released by CPCB (The Central Pollution Control Board), Hyderabad ranks third in the list of most sound polluted metropolitan cities in India. The increase in sound pollution is due to increase in the number of cars and rising congestion on the roads. Anil Kumar, the Additional Commissioner of Police said that steps have been taken to raise awareness among the people to keep sound pollution in check. Hyderabad has also recorded the highest PM10 levels in the state.

      22 June 2018

    • PUC Certificate Must To Buy Or Renew Vehicle Insurance Policy

      The Ministry of Road Transport has directed the Insurance Regulatory And Development Authority in India to ask all motor insurance companies in the country to not issue of motor insurance policies or renew old policies if the vehicles do not have valid Pollution Under Control (PUC) Certificates. The PUC Certificate is has been already made mandatory, a large number of vehicles in India drive without the same. Starting from June, getting a new vehicle insurance policy or renewal of the existing policy will not be possible without a PUC Certificate. The step has been taken in order to bring into effect the Supreme Court order dated 10 August 2017.

      11 June 2018

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