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What is the Penalty of Driving Without Car Insurance in India?

In event of any accident damage loss of your vehicle, a car insurance plan is your savior. It also protects you financially if your vehicle is stolen.

An automobile insurance policy offers risk coverage for a car or any two wheeler vehicle which runs on fuel and needs a license. Today there are many companies which offer car in​surance in India.

As per Indian law, it is compulsory for any vehicle owner to buy a motor insurance. If you are caught driving without any motor insurance, you will have to face related consequences. You should know the fine for no insurance in India while driving /riding.

The penalty for driving without insurance is different for different countries​, however, some of the common punishments are as follows:
  • Driving without a motor insurance shall result in suspension of your driving license.
  • In addition, your vehicle’s registration too shall be suspended.​
Car insurance in India are basically of two types: a) Comprehensive and b) Third Party Only.

While the third party only insurance offers risk coverage only in case of damage/losses caused to the third party; the comprehensive car insurance cover also takes care of your personal loss/damage in event of an accident.

A motor insurance​​ with comprehensive cover generally does not include following risks:
1. Normal vehicle depreciation
2. Regular wear and tear
3. Any damage/loss incurred due to drunken driving
4. Any damage/loss incurred when driving without proper licenses