The insurance regulator IRDAI has clarified that not holding a valid PUC certificate is not a valid reason for denying any claim under a motor insurance policy.
The IRDAI had issued a circular on 6th July, 2018 conveying the directive of Supreme Court in M.C. Mehta Vs Union of India to all general Insurance companies to ensure that the vehicle must have a valid PUC certificate at the time of renewal of motor vehicle insurance. This has been reiterated through another circular on 20th August, 2020.
However, there are some misleading media reports to the effect that if there is no valid PUC certificate at the time of accident, claim under a motor insurance policy is not payable.