According to the Motor Vehicle Act 2019, it is mandatory for a vehicle owner to drive with an insurance policy. An automobile insurance policy protects you from potential financial risks like accidents, theft or damages. Therefore, you should buy an insurance policy that will cover your vehicle financially against losses.
If you are caught driving without holding motor insurance, you will be charged a penalty. According to Indian law, a fine of Rs.2,000 will be incurred and imprisonment of up to three months. As per the old provision, Rs.1,000 was charged for driving without insurance.
For the second offence, a penalty of Rs.4,000 will be imposed along with imprisonment of up to three months as per the discretion of law. Thus, all vehicles without an insurance policy will be subject to a fine.
In case you are caught driving without insurance by the traffic police, you will be asked to present your vehicle documents like your driving licence and registration certificate. A challan will be issued by the traffic police officer which can be paid both online and offline.
To pay the fine online, follow the steps mentioned below.
To make the payment offline, visit your nearest traffic police station.
Here are some points to keep in mind in order to avoid penalties for driving without an insurance policy.
The fine for the first offence for driving without an insurance policy is Rs.2,000.
Yes, you can pay the fine via debit card, credit card and digital wallets.
Yes, all vehicles attract the same fine for driving without insurance.
Devarthi Gattuwar is a Finance Content Writer who has experience writing about Credit Cards, Debit Cards, Tax, and other BFSI products. Other than that, she also writes about non-financial utility products like Aadhar Card, Voter ID, Government Certificates, etc. She has a special interest in Social Media Marketing and its nuances. She likes to read and learn new things. She's a mental health advocate, LGBTQIA+ ally and a dog mom.
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