What Happens When You Drive Without Insurance?

Posted on: Jun 9, 2022 | | Written by:

What Happens When You Drive Without Insurance?

Consequences of driving without Insurance

As soon as you buy a vehicle in India, you need to buy an insurance plan for it as well. Whether you have a car or a two-wheeler, a suitable insurance cover is needed. Since thousands of vehicles are sold in India on a daily basis, thousands of car and two wheeler insurance plans are also sold. If you have a car or bike of your own, make sure you insure it. If not, then you may be fined. Read on to know what the damages could be.

Is it illegal to drive without insurance?

The rule clearly states that every vehicle on the roads of India needs to be covered under a valid insurance plan. So, if you drive without insurance, you are committing an illegal act. There are mainly two reasons why his rule has been implemented. First and foremost, the insurance cover that you buy has a third party cover in it. This makes you responsible for all third party damages. If a person is injured in an accident involving your vehicle, you have to pay the damages. When you have insurance cover, it becomes easy for you to honour this responsibility. Also, insuring your vehicle and yourself keeps you and your car or bike safe, so the law is actually a very practical and helpful one.

What are the applicable fines?

Since it is a legal mandate to have a valid car or bike insurance plan, the traffic police officers can pull you up at any time to check whether or not you have the four or two-wheeler insurance papers with you. If you are caught driving without a valid insurance cover, the applicable fine will be INR 2000. This is for a first offence. If you are fined a second time, you will have to cough up an amount of INR 4000. If this becomes a habitual offender, you may also be imprisoned for a period of three months. To avoid being in such a situation, you have to get insurance coverage for your vehicle. There are many policies available so finding the best one is never a problem.

Why is motor insurance important?

Motor insurance is actually a very important type of insurance. Here are some reasons why:

1. Covers third party expenses

This is an important reason why you need to invest in a good motor insurance policy. If you happen to injure a third party while driving or damage their property, you would have to pay for the damages. Also, if there is a court case because of this, you have to foot the bills yourself. Get a motor insurance plan and cover all these expenses as you get a very good third party liability cover which helps to keep your money protected.

2. Covers your vehicle

Your vehicle is very precious to you and you always like to keep it in the best condition. However, getting your car repaired after an accident can be an expensive affair. Getting a vehicle insurance plan helps as you can get the repairs done without having to worry about the expenses. Also, you get compensated if your car gets completely damaged or stolen.

3. Covers you and your loved ones

And most importantly, a motor insurance plan covers the drivers and passengers in the vehicles too. This is a crucial reason why you need insurance. Road accidents, though unfortunate, are quite common and many people end up severely injured in these accidents every day. As you know, health care is very expensive nowadays. When you have the insurance cover, you can seek treatment at the best places and nurse yourself and your loved ones back to health.

In the absence of a car or two wheeler insuranceplan, you may have to clear all the expenses from your own pocket and this may drain out all your savings overnight. Thus, look to get the perfect insurance cover. It is very easy to find and purchase a good motor insurance plan, so do not delay in getting the perfect cover for your bike or car as soon as you buy the vehicle. Remember, the insurance cover is needed for brand new, as well as, second-hand vehicles.

What is the process to buy a vehicle insurance plan?

Buying insurance is very easy these days. You can simply go online and buy the best policy in a quick and effortless manner. Here are the steps to follow:

1. Log in

Visit the HDFC ERGO car insurance page. You need to enter your name, email id and phone number and opt for the type of insurance you are looking for to get instant quotes!

2. Enter vehicle details

Then you can either enter your vehicle details so that a lot of information is directly taken from the RTO’s website, or continue without entering your vehicle details.

3. Enter your previous policy details:

The type, the current status, last year's claim records, the current NCB of the policy and then authorize to view the quotes

4. Choose add-ons

You can choose from the available add-ons and view the details along with the premium.

5. Make a payment

Make the payment online and get the plan issued to you instantly. The process is quick, safe and convenient and so you should not delay in getting the plan. The process is quite similar when you need to renew your motor insurance cover, so ensure you renew on time and stay covered at all times.

Follow these easy steps and get motor insurance instantly.

Conclusion

Now that you know how important the car and bike insurance plans are and how they help you out, go ahead and insure your vehicle if you haven't done so yet. The process to get a policy is very easy explore your options and choose the best one.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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