Car Insurance Add-Ons

Depreciation Reimbursement

It is the most popularly recommended add-on feature, which entitles you to claim the full cost of replacing car parts damaged in accidents without having to pay from your pocket. Usually, a Zero Depreciation add-on feature is valid for a period of five years from the date of purchase of the car, up to a maximum of two claims during the policy period. Indeed, receiving a full claim on any part of the car that has been replaced after an accident is a great situation, is it?

Roadside Assistance

This is a very useful add-on that provides certain round-the-clock services such as refueling, towing, change of flat tyre, battery related technical problems, arranging for a mechanic's services and so on, in case of a car breakdown. In a situation like that, the company will send help wherever you are. Also, you will be eligible for taxi service, assistance in arrangement of emergency accommodation and other utility benefits if you are stranded in a remote destination

Engine Secure

This add-on is essential for owners of new cars, especially high-end cars, that are up to three years of age. It compensates for even those repairs in engine that are not related to accidents. It could be particularly useful for those living in flood-prone areas where frequent waterlogging during the monsoon increases the chances of damage to the engine. It comes at an added cost but it’s totally worth it.

NCB Protection

You earn a No Claim Bonus (NCB) when you don’t make any car insurance claim in an entire policy year. There are certain slabs of NCB that you reach with each passing year with a max limit of 50%. With this add-on-cover, you can make claims for loss such as windshield glass repair or replacement, accessories or total vehicle theft and also for the total loss of the vehicle. The NCB Protection Cover will take care of your first two claims. Again, this cover is usually not available for vehicles that are older than three years.

Consumables Cover

In a standard car insurance policy, small consumable expenses such as screws, nuts and bolts, oils, etc. are not covered, and you will have to bear the cost if the need arises to repair or replace them. With consumables cover in car insurance, however, your insurer will make a payout for the value of such consumables. As the cost of consumables is much higher in high-end cars, it is advisable to purchase this to tackle such expenses. Generally, vehicles older than three years are not eligible for this add-on cover.

There are certain rules and regulations that vehicle owners must follow to obtain pollution certificates for cars. These rules are:

• The permissible emission limit varies by vehicle and is fixed under Rule 115(2) of the Motor Vehicles Act, 1988.
• The government periodically changes the acceptable emission level for vehicles based on the situation. Vehicle owners must regularly check updates on car pollution certificates.
• The Automotive Research Association of India sets guidelines for testing vehicle exhaust emissions and updates them as needed.
• Generally, the PUC rules and the certificate format stay consistent throughout India.
• When a vehicle continues to violate emission standards, the authorities have the right to suspend its Registration Certificate and other permits. This remains in effect until the owner gets a valid PUC certificate again.
• If a vehicle fails the test and its emissions exceed the allowed limit, the testing centre will issue a rejection report.

A PUC for a vehicle is a critical document that all vehicle owners need. Here are some reasons why pollution under control certificates are important.

Legal Compliance

One reason to apply for an online pollution certificate for cars is legal compliance. A PUC certificate is a mandatory document for all vehicle owners. If the vehicle owner is found driving on the road without a valid PUC certificate, they must pay a fine to the authorities. To avoid hefty fines and penalties, vehicle owners need to have a PUC certificate for car.

Environmental Responsibility

Every vehicle on the road emits gases such as carbon monoxide and hydrocarbons that can harm the air we breathe. When these pollutants rise beyond safe levels, they contribute to air pollution and can lead to serious health issues. A PUC test helps keep these emissions in check and encourages cleaner, healthier surroundings.

Vehicle Health Indicator

A valid PUC certificate also reflects how well your vehicle's engine is performing. High emission levels often indicate problems such as poor fuel combustion, lack of servicing, or worn-out parts. Regular PUC checks can help you spot these issues early and maintain your vehicle in good condition.

Insurance Necessity

Another crucial reason to get a PUC certificate online is because of insurance coverage. Insurance companies ask for a valid PUC certificate before issuing a policy. Even at the time of renewal, showing a valid PUC copy is essential to get the coverage. If the vehicle owner fails to provide this, the process of acquiring a car insurance policy might be delayed.

Fuel Efficiency

Keeping emission levels under control also means your engine is burning fuel properly. When the PUC report shows higher pollution levels, it may indicate poor mileage or engine trouble. Regular checks help you maintain better fuel efficiency and save money on fuel in the long run.

Vehicle owners in India must obtain a PUC certificate for their vehicles. This can be done online and offline. Here are easy steps to get the PUC certificate.

How to Get a PUC Certificate Online

• Step 1: Visit the Parivahan Sewa website. You can also open your state transport website.
• Step 2: Go to the “Vehicle Related Services” option, then in “Other Services,” choose the PUC certificate option.
• Step 3: Enter the vehicle details, such as the registration number, chassis number, and other details.
• Step 4: Book an appointment at the PUC emission centre for the vehicle testing. After that, pay the PUC test fees.
• Step 5: Take your vehicle to an emission test centre and have it tested. Once the test is completed and the vehicle is under the decided limit, the centre will issue a PUC certificate.

How to Get a PUC Certificate Offline

• Step 1: To get the PUC certificate offline, locate the PUC testing centres in your area.
• Step 2: Take a vehicle to the PUC centres and fill out the form for obtaining the PUC certificate.
• Step 3: Book an appointment for the test and pay the PUC certificate fees to the authorities.
• Step 4: Once the appointment is complete and your vehicle has passed the test, the authority will issue the PUC certificate.

Once your vehicle has been tested, you can leave the centre and check the status of your PUC application by following these steps:

• Visit the Parivahan website.
• Click on the tab ‘Application Status’.
• Enter the Application ID.
• Click on the button ‘View Application Details’.
• The result will display the current status of your PUC Application.

Also Read: How to Check the Status of Your PUC Online?

The emission test procedure for obtaining a car PUC certificate is generally standard across the country. Here is how the operator will carry out the emission test procedure.

• Step 1: On the appointment date, take your vehicle to the emission test centre and position it as suggested by the operator.
• Step 2: The operator will then insert the device inside the exhaust pipe.
• Step 3: After that, start the vehicle and rev the engine so the device can check the vehicle's emissions level.
• Step 4: After analysing, the device will display the readings on the computer screen.
• Step 5: If it is under the permissible limit, the operator will take the vehicle registration number and issue a certificate.

Also Read: Vehicle Fitness Certificate from RTO

Once you get the confirmation that the PUC online certificate has been issued, you can follow these steps to download it:

• Visit the Parivahan website.
• Click on the tab ‘PUC Certificate’.
• Enter your vehicle’s registration number and the last five digits of the chassis number.
• Click on the button ‘PUC Details’ to see the certificate.
• You can download and/or print the PUC online certificate.

As you can see, applying for a PUC Certificate online is simple and lets you keep a digital copy on your mobile phone at all times. However, make sure you also have a physical copy of the certificate in the vehicle.

Renewing your PUC is pretty quick. You can book the renewal online and then visit a nearby authorised centre for the actual emission test. Here’s how you can do it:

• Step 1: Go to the Parivahan website on your phone or laptop.
• Step 2: Look for the section related to Pollution Under Control services.
• Step 3: Enter your vehicle details, such as the registration number and the last 4 digits of the chassis number.
• Step 4: Choose a nearby authorised PUC testing centre. Book a slot if required and visit the centre with your vehicle.
• Step 5: The test will be conducted on-site, and your updated PUC certificate will be issued immediately.

The cost of issuing a PUC certificate may vary by vehicle type and registration state. Here is the charge for a PUC certificate for a vehicle in New Delhi.

The transport department has decided the fine for having an expired PUC certificate. This fine may vary from state to state. Here is the full list of expired PUCs in Maharashtra.

Vehicle owners need to keep certain things in mind when obtaining a PUC certificate.

• It is essential to do a PUC test at authorised emission centres. If you are unable to locate one, you can check the Parivahan Sewa PUC portal.
• Another thing to keep in mind before doing the PUC test is that the vehicle should be in proper running condition.
• While visiting the PUC centres, carry all vehicle-related documents, such as the registration certificate, driving licence, etc., to ensure a smooth process.
• Generally, the PUC is valid for 1 year for a new car, and for 6 months for an old vehicle. Once the PUC certificate's validity expires, renew it on time.

Understanding all about how to get a PUC certificate online and offline is crucial for vehicle owners. It shows that your vehicle meets the required pollution standards, keeps your insurance active, and even helps you maintain better fuel efficiency. Furthermore, a car PUC certificate helps you remain compliant with the law and avoid hefty penalties.

Vehicle owners should also keep an eye on the validity of their pollution under control certificates and renew them on time. Along with this, having car insurance is just as important. It helps protect your vehicle from losses caused by accidents, theft, natural disasters and other unexpected situations.

A four-wheeler insurance plan gives you financial support when things go wrong on the road. If you are looking to buy car insurance, TATA AIG offers a reliable four-wheeler insurance plan customised to your vehicle needs. For instance, we offer a mandatory third-party four-wheeler insurance plan to avoid fines and penalties from authorities.

Apart from this, we also offer a comprehensive car insurance plan that protects against both third-party and own damage. The plan also includes unique add-ons, such as roadside assistance, engine security, and more, for car owners who want enhanced coverage.

In addition to this, we also allow you to do a car insurance online check to know the insurance validity. With this online tool, you will know the exact expiry date of the insurance coverage and can renew it on time.

In addition, we remind policyholders via email and phone so they never miss their renewal deadline. Secure your vehicle with our budget-friendly car insurance online, starting at ₹2094 per year.