Vehicle Insurance in India
Vehicle insurance is mandatory in India under the Motor Vehicles Act, 1988. Driving without valid insurance can result in heavy penalties and legal consequences.
Types of Vehicle Insurance
- Third-Party Insurance: Mandatory coverage for damages caused to third parties
- Comprehensive Insurance: Covers own damage + third-party liability
- Own Damage Insurance: Covers only your vehicle damages
Insurance Information Available
- Policy Number: Unique insurance policy identifier
- Insurer Name: Name of the insurance company
- Policy Start Date: When the coverage began
- Policy Expiry Date: When the coverage ends
- Policy Type: Third-party or Comprehensive
- Premium Amount: Amount paid for the policy
Penalty for No Insurance
First Offence: Fine up to ₹2,000 and/or imprisonment up to 3 months
Second Offence: Fine up to ₹4,000 and/or imprisonment up to 3 months
Why Check Insurance Validity?
- Ensure continuous coverage and protection
- Avoid penalties during traffic checks
- Verify insurance before buying a used vehicle
- Plan renewal before expiry
- Avoid claim rejection due to lapsed policy