Q: I live in New Delhi. I renew my PUC regularly, but there were a few cases where I forgot to renew it in time. Can you tell me if a PUC certificate is required for motor insurance claims in the event of an accident?
By Sanjiv Bajaj, Co-Chairman and MD, Bajaj Capital Ltd.
Air we breathe is an essential element necessary for a healthy life. With pollution levels in India below severe, very poor, poor and moderate for most cities, it is critical to take all possible steps to conserve the environment and keep the air clean. Keeping your car validated as an environmentally friendly vehicle with the PUC certification is extremely important in this matter.
A valid PUC or “Pollution Under Control” certificate is required for vehicles nationwide, mandated by law. While PUC is mandatory for vehicles, it is a fact, but there is a public misconception that it is necessary for the settlement of insurance claims. It is therefore important to provide vehicle owners with clarity for the right decision-making.
There is no connection between a “Pollution under Control” certificate and the KYC criterion for speeding up your insurance claims settlement process. Knowing the purpose of the PUC will clear up the confusion.
A PUC or Pollution under Certificate allows you to know your car/vehicle’s emissions and whether they are within the permissible range or not, so you can decide whether your vehicle qualifies for safe driving or not, for the environment. A vehicle owner can obtain this PUC certificate through an authorized emissions testing facility. A PUC certificate shows whether the vehicle’s carbon monoxide emissions are below permitted levels or not.
The Supreme Court ruling on the PUC says that a PUC certificate is one of the most important documents required to drive, applicable across the country. It is also mandatory to have a valid PUC certificate for vehicles that have been made mandatory by the government. of India under the Central Motor Vehicles Act.
According to the IRDA guidelines, insurers are instructed not to insure in the absence of a valid Pollution Under Control certificate. As a vehicle owner, you must therefore ensure that a valid PUC is present at the time of renewal. It will not affect your claim. Not having a valid PUC (Pollution Under Control Certificate) does not mean that your insurance claim will be rejected. Moreover, as of now, there is no connection between the PUC certificate and a newly adopted KYC standard for facilitating insurance claims.
However, there are exceptions for the certification, as no PUC is currently required for electric vehicles in India. Knowing the best way to keep your vehicle up to date through the right insurance with additional coverages and valid certificates are some of the essential aspects of getting the best out of your vehicle.
(The investment expert’s opinions are his/her own. Email us your investment questions at [email protected] We will have your questions answered by our panel of experts).
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