No PUC certificate - No insurance for vehicles

Pollution under Control (PUC) certificate will soon be made a mandatory document to make an insurance claim, as per an order of the Supreme Court. Vehicle insurance claims will not be paid for any accident if the PUC certificate is found to be invalid on the day of the accident.

The General Insurance Council will soon draft a clause to be added to the insurance policy document that will say that if the PUC certificate is not available at the time of the accident, the policy will not be paid.

The Insurance Regulatory and Development Authority (IRDA) has instructed insurance companies to not to give vehicle insurance policies without the PUC certificate. Insurance companies have a hard time to identify and verify the PUC certificates as they do not have a centralised database that includes PUC certificates. 

Meanwhile, insurance companies argue that enforcing PUC certificates should be done by the Road Transportation Authority (RTA) and should not be imposed through them.