A valid Pollution Under Control (PUC) certificate has now become a mandatory requirement for anyone looking to renew their vehicle insurance. This mandate has come via a circular issued by the Insurance Regulatory and Development Authority of India (IRDAI).

  • The IRDAI’s circular complies with the recent Supreme Court ruling.
  • No coverage for accident claims if vehicle doesn’t have valid PUC.
  • Fines for having invalid PUC certificates have also increased.

Why did IRDAI issue the circular pertaining to PUC certificates?

In a recent Supreme Court (SC) ruling, the apex court asked insurance companies to not issue renewals for vehicles without a valid PUC certificate (PUCC). Hence, in compliance with this ruling, the IRDAI issued its circular implementing the same.


Furthermore, the IRDAI’s circular also states that insurance companies shall not cover any damage…

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