Motor Insurance Claims: Can They Be Rejected Without a Valid PUC Certificate?

There is a common concern among vehicle owners about how a motor insurance claim would be affected in the absence of a valid PUC certificate. According to the Insurance Regulatory and Development Authority of India (IRDAI), motor insurance claims cannot be rejected solely based on the lack of a valid PUC certificate.

Understanding the IRDAI's Position

IRDAI has clearly stated that a valid PUC certificate is required only at the time of policy renewal, not during the claims process. This means that if an accident or incident results in a motor insurance claim, the vehicle can still be covered regardless of whether a valid PUC certificate is available at the time of the claim. This is a critical clarification that addresses a common misunderstanding and rumor prevalent among many vehicle owners.

Supreme Court Guidelines and Insurance Policy Renewal

Furthermore, the Supreme Court has reinforced this stance by emphasizing the importance of a valid PUC certificate for policy renewal. While the PUC certificate is indeed a crucial document for insurance policy maintenance and renewal, it is not a requirement for making a claim.

Fighting Rumors and Misinformation

There have been several news articles and the spread of misinformation through platforms like WhatsApp that have wrongly suggested that insurance companies can reject claims in the absence of a valid PUC certificate. However, these reports are misleading and contrary to the governing guidelines set by IRDAI. The official stance remains that only the production of a valid PUC certificate is necessary at the time of policy renewal, and not during the claim process.

Conclusion: Ensuring Your Insurance Coverage

To ensure that your motor insurance policy remains effective and that you are fully covered in the event of an accident, it is crucial to maintain a valid PUC certificate at the appropriate times. For detailed guidance and any specific queries regarding your insurance policy, consulting a licensed surveyor like Yash, who is also a Loss Assessor in Motor Insurance, can provide valuable support and clarity.

Note: Always verify the most recent guidelines issued by IRDAI and consult with your insurance provider for the latest information.