All You Need to Know About Driving an Uninsured Car in India

Driving a vehicle in India has become all the more a need rather than an extravagance. Prior, an exceptionally less number of individuals could bear to purchase vehicles yet since there is higher accessibility of reasonable vehicles nowadays, every other individual has his very own vehicle. This has expanded traffic as well as expanded auto collisions on streets. In this manner, to guarantee the wellbeing of both vehicle and the driver, purchasing vehicle protection has been made an obligatory system in India.


Driving a Non-Insured Car in India is Illegal

As per the Motor Vehicle Act,1988, driving a non-safeguarded vehicle in India is unlawful. It is fundamental for each vehicle on Indian streets to host a legitimate third-gathering vehicle insurance contract. At the point when you buy a vehicle, the vehicle organization offers a compulsory insurance contract that is legitimate just for one year. When it terminates, a proprietor is expected to restore his vehicle protection. On the off chance that not recharged on time, it becomes unlawful bringing about a weighty punishment or detainment of up to 3 months.

Therefore, one should buy an outsider protection plan not exclusively to safeguard his vehicle against significant misfortunes yet in addition from lawful outcomes that might emerge otherwise. 


The Necessity of Third-party Car Insurance 

According to the Motor Vehicles Act, 1988, each vehicle proprietor should host essentially a legitimate third-get-together insurance contract. An outsider vehicle protection is obligatory protection that all vehicle proprietors should take while buying another vehicle. This sort of protection safeguards the vehicle protection proprietor against an outsider responsibility emerging on account of the guaranteed during a fender bender. This plan remunerates against injury, passing, incapacity, or property harm to any third party.

Third-party protection just covers a vehicle proprietor against the liabilities of an outsider. It bars covering his own harms. In such cases, a vehicle proprietor can buy extensive vehicle protection that offers inclusion against the misfortunes of his harms alongside the outsider’s damage. 

Irrespective of which insurance contract a vehicle proprietor buys, it is vital to restore it before its expiry date which is for the most part a year, else he/she might confront weighty fines and other legitimate consequences. 


Consequences of Driving a Car without Insurance

Driving an uninsured vehicle can’t bring about lawful outcomes yet can hamper the security of the vehicle and the driver. In this manner, it is an obligation of a vehicle proprietor to get his vehicle protection restored once it has expired.

Moreover, having vehicle protection can give monetary help to you and your vehicle if there should arise an occurrence of vehicle robbery, mishaps or different harms to the safeguarded vehicle or outsider or their property.

But, in the event that you don’t buy a vehicle insurance contract or restore the bygone one preceding the expiry date, you can confront outcomes as referenced below:

1. Weighty Fines and Penalties

Not having vehicle protection in India is viewed as unlawful and is liable to weighty fines and punishments. As indicated by the Motor Vehicle Act, 2019, an individual needs to pay fines or face detainment as follows:

  • Pay a fine of INR 2000, whenever got uninsured for the first time.
  • Pay a fine of INR 4,000 as well as face detainment as long as 90 days whenever got without protection for the second time. 

2. Paying Third Party Liability



In the instance of a uninsured vehicle, on the off chance that your vehicle hits an outsider or his property, you might need to cause outsider harms from your pocket. This is alluded to as outsider responsibility. Without any a legitimate protection cover, you should cover every one of the misfortunes which might be exceptionally high assuming that the outsider included dies. 

Thus, hosting third gathering vehicle protection will defend the vehicle proprietor from a lawful conventions if there should be an occurrence of injury, demise of outsider or harm to their property. 

3. Misfortunes for own Damage

Apart from paying for the outsider’s harms, you might wind up paying for your harm too. On the off chance that you have not restored your vehicle protection, and meet with a mishap or harm your vehicle, you will be expected to bring about every one of the misfortunes by yourself.

A thorough vehicle insurance contract covers outsider liabilities as well as harms caused to your vehicle like fixes, impacts, burglary, and that’s only the tip of the iceberg. If there should arise an occurrence of not having such an insurance contract, you might lose this right and wind up causing weighty losses. 

4. Judicial Procedures or Punishment

Besides causing immense monetary misfortunes, you may likewise confront official actions on account of a non-safeguarded vehicle. For example, on the off chance that you experience an outsider misfortune, they might document a lawful objection against you. Confronting a legal action might bring about legitimate costs and detainment also. This can turn out to be all the more lawfully confounded assuming an individual driving a vehicle kicks the bucket during the mishap. It can likewise prompt the suspension of a driver’s license.


Therefore, restoring your vehicle insurance contract can be the most ideal way to escape such superfluous complications.

5. Loss of No Claim Bonus

A No Claim Bonus or NCB alludes to a prize that vehicle insurance agencies deal with their clients when they record no case during the arrangement tenure.  It is given as a rebate on their expense when they recharge the strategy one year from now. Also, NCB continues to collect and expanding consistently presenting you to a half rebate in your resulting restoration premium. 

However, on the off chance that your vehicle insurance contract isn’t recharged before the due date you will lose your combined No Claim Bonus and wind up paying a higher expense at whatever point you will restore the contract next.

How to Avoid Getting Fined for Driving a Car Without Insurance

Here are a couple of pointers that you can follow to abstain from getting fined for driving a vehicle without protection in India:


1. Recharge your vehicle insurance contract before the expiry date. Hosting third-get-together protection is obligatory for each vehicle proprietor in India.

2. Make a point to restore vehicle protection regardless of whether you are buying a second-hand car.

3. Keep printed copies of archives like your Driving permit, Registration Certification (RC) Pollution endorsement with you.

4. Store a delicate duplicate of the multitude of previously mentioned archives on your cell phone as well. 



Driving a vehicle without a substantial protection plan is unlawful in India. The significant purpose for this is the monetary insurance of vehicle proprietors against appalling occasions like robbery, mishaps, injury, or even outsider harm. In addition, in the event that you get found out while driving a vehicle without protection, you should pay fines and now and again, your permit may likewise get suspended. In this manner, buying a vehicle insurance contract is the most ideal choice to keep your vehicle and yourself safeguarded against any such uncertainty.