Request Money Today: Is a PUC Certificate Required for Auto Insurance Claims?


Question: I live in New Delhi. I regularly renew my PUC, but there have been a few instances where I forgot to renew it on time. Can you tell me if a PUC certificate is required for auto accident claims?

— Vidhi

By Sanjiv Bajaj, Co-Chairman and Managing Director, Bajaj Capital Ltd.

The air we breathe is an essential element necessary for a healthy life. With pollution levels in India being severe, very poor, poor and moderate for most cities, it is essential to take all possible measures to save the environment and keep the air clean. Keeping your car validated as an environmentally friendly vehicle with PUC certification is extremely critical in this regard.

A valid PUC or “Pollution Under Control” certificate is required for vehicles nationwide, made mandatory by law. Although the PUC is mandatory for vehicles, it is a fact, but there is a misconception among the public that it is necessary for the settlement of insurance claims. It is therefore important to provide clarity to vehicle owners for the right decision-making.

There is no relationship between a “Pollution Under Control” certificate and the KYC criteria to expedite the process of settling your insurance claim. Knowing the purpose of the PUC will clear up the confusion.

A PUC or Pollution under Certificate lets you know your car/vehicle’s emissions and whether they are within the permitted range or not, helping you decide whether your vehicle qualifies to be environmentally safe or not. A vehicle owner can obtain this PUC certificate through any authorized emissions test center. A PUC certificate indicates whether the levels of carbon monoxide emitted by the vehicle are below permitted levels or not.

The Supreme Court ruling on PUC states that a PUC certificate is one of the main documents necessary for driving, applicable nationwide. Additionally, having a valid PUC certificate is mandatory for government mandated vehicles. of India under the Central Motor Vehicles Act.

In accordance with IRDA guidelines, insurers are instructed to refrain from insuring in the absence of a valid Controlled Pollution Certificate. So, as a vehicle owner, one must ensure that a valid PUC is there at the time of insurance renewal. This does not affect your request. Not having a valid PUC (Pollution Control Certificate) does not mean that your insurance claim will be rejected. Also, at present, there is no connection between the PUC certificate and a newly adopted KYC standard to facilitate insurance claims.

There are, however, exceptions to the certification, such as, currently, no PUC is required for electric vehicles in India. Knowing the best way to keep your vehicle up to date through the right insurance with valid supplemental coverages and certifications are some of the key aspects to getting the most out of your vehicle.

(The opinions expressed by the investment expert are his own. Email us your investment questions at Our panel of experts will answer your questions).

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