PUC or pollution certificate is one of the mandatory documents required for getting vehicle insurance. PUC is necessary to check the emission levels of your vehicle and its compliance with environmental norms. Here, we will discuss in detail PUC, its importance and the process of getting it.
Why is PUC Certificate Important?
PUC certificate is important because it helps in reducing air pollution caused by vehicles. By getting your vehicle checked for emission levels, you are contributing to a healthier environment. In addition, a PUC certificate is also necessary for getting a bike or car insurance policy.
How to Get a PUC Certificate?
The process of getting a PUC certificate is simple and can be completed online. You must visit the nearest pollution checking center with your vehicle and submit the required documents. The staff at the center will then check your vehicle for emission levels and issue the PUC certificate if everything is in order.
Thus, we see that a PUC certificate is necessary for both environmental protection as well as availing vehicle insurance. So, if you haven’t got your vehicle’s PUC done yet, make sure to do so soon!
What is a PUC Certificate?
A PUC certificate is required to insure your vehicle in most states. The certificate proves that your vehicle has passed a state-approved emissions test and meets the minimum standards for air pollution.
A PUC certificate is an official document that certifies that your vehicle meets the emission standards laid down by the Central Motor Vehicle Rules. The certificate has to be renewed every year, and the process of getting it is simple and straightforward.
The test must be performed at a state-licensed emissions testing facility. After your vehicle passes the test, you will be issued a certificate that you must keep in your vehicle. Most states require that you renew your PUC certificate every one or two years, depending on the age and model of your vehicle.
The PUC certificate is sometimes called a smog certificate, emissions certificate, or pollution certificate.
Is PUC Certificate Mandatory for Vehicle Insurance?
No, a PUC certificate is not mandatory for vehicle insurance in India. However, having a PUC certificate may give you some discount on your premium.
Is PUC Certificate Required for Insurance Claims?
Most insurance companies will not require a PUC certificate for insurance claims, but it is always best to check with your specific insurer to be sure. If you are found to be operating a vehicle without a valid PUC certificate, you may be subject to fines and other penalties.
Impact of PUC Certificate on Motor Insurance Renewal
A PUC certificate is required for renewing your vehicle insurance in India. The impact of not having a PUC certificate can be significant, as it can result in a higher premium or even a rejection of your renewal application. While the requirements for obtaining a PUC certificate vary from state to state, they typically involve having your vehicle emissions tested at an authorized center.
If you are found to have exceeded the emission limits, you will be required to take steps to rectify the problem before a PUC certificate can be issued. However, even if your vehicle passes the emission test, you may still be required to pay a higher premium if you do not have a PUC certificate. This is because insurers view vehicles without a PUC certificate as riskier.
There are a few ways to get around this issue, such as getting your vehicle inspected at an authorized center before the insurance renewal date or opting for voluntary excess. However, the best way to avoid any problems is to ensure that you obtain a PUC certificate before renewing your vehicle insurance.
Conclusion
Do you need a PUC certificate for vehicle insurance? The answer may depend on your insurer and your state. Some insurers may require a PUC certificate, while others may not. If you’re unsure, it’s best to check with your insurer to determine their requirements.
Author Bio: Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, our ‘monk marketer’ likes to meditate, meet new people and explore less travelled territories.
