The Insurance Regulatory and Development Authority of India (IRDAI) has clarified that motor insurance claims cannot be denied if the policyholder does not hold a valid PUC certificate.
PUC certificate is provided to vehicles that undergo the PUC test successfully. The certification indicates that the vehicle’s emissions are in alignment with standard pollution norms and are not harmful to the environment. It is mandatory for all vehicles to carry a valid PUC certification.
Some reports were published in the media 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.
IRDAI on August 26, 2020 issued a Press Release, saying, “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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