Insurance Regulatory and Development Authority of India

Press Release

Ref. No:2020  Date: 26-08-2020

Press Release regarding valid PUC certificate at the time of renewal of motor vehicle insurance

1. The Authority had issued a circular on 6th July, 2018 conveying the directive of the Hon’ble Supreme Court in WP(C) No.13029 of 1985 (M.C. Mehta Vs Union of India) to all General Insurance companies to ensure that the vehicle must have a valid PUC certificate at the time of renewal of motor vehicle insurance. This has been reiterated through another circular on 20th August, 2020.

2. However, there are some misleading media reports to the effect that if there is no valid PUC certificate at the time of accident, claim under a motor insurance policy is not payable.

3. It is hereby clarified that not holding a valid PUC certificate is not a valid reason for denying any claim under a motor insurance policy.

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