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Motor Blog
01 Jul 2022
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To drive a car legally, it requires you have four documents at all times—a driving license, your vehicle’s registration certificate, pollution under control certificate and an insurance policy. While the first three documents are commonly known and complied by all, it is the insurance policy that is either ignored or skipped. The importance of an insurance plan is realized only when you face an accident. Hence, it often gets overlooked. The Motor Vehicles Act of 1988 lays down the requirement to have a car insurance cover for all registered cars in the country. Thus, having a valid insurance cover is an essential aspect of owing and driving a car. Driving your car without a valid insurance plan is a legal offence and hence, attracts penalties. Moreover, the financial coverage a four wheeler insurance plan offers is unparalleled and thus must not be skipped. The law dictates third-party car insurance as the bare minimum requirement however, comprehensive plans offer a broader coverage. Thus, the choice of plan is also essential based on your requirements.
Driving a car without a valid car insurance plan has two-fold consequences—one, legal and the other financial. As discussed above, the legal consequences include penalties which the financial consequences include lack of financial cushion when damages occur.
These are some of the consequences of driving an uninsured vehicle. To avoid them, it is advisable to renew your policy in advance to be on the right side of law, as well as ensure a financial shield against damages. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.
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