Insurance regulator Insurance Regulatory and Development Authority of India (IRDAI) has directed all the general insurance companies to insure a vehicle only if it has a valid Pollution Under Control (PUC) certificate.
The move comes in the wake of last year’s Supreme Court’s order that had directed insurers not to insure a vehicle unless it has a valid PUC certificate on the date of renewal of the insurance policy. The ruling was made in M C Mehta Vs Union of India and Others case.
The PUC certificate is generally available for all the new vehicles bought and is valid for one year. After a year, the vehicle goes through a fresh test and a PUC certificate with six months’ validity is issued.
The certification implies that the vehicle’s emissions are in line with standard pollution norms and are not affecting the environment. It is mandatory to carry a valid PUC certification.
In case a vehicle exhibits emission levels higher 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.
By this ruling, IRDAI is acting tough on those vehicle owners who are violating emission norms. An insurance for a vehicle is important the owner as it safeguards it from eventualities like road mishaps, natural calamities etc.
There are two types of Car Insurance – Third Party Insurance and Comprehensive Insurance.
While Third Party Insurance is mandatory by the law and covers the owner of the vehicle from legal liabilities due to death or damage caused to a third party, Comprehensive Insurance Policy protects the car owner from any damages caused to your own self and your vehicle.
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