If you’ve bought a new car and want to buy a motor insurance policy but don’t have a valid driving licence, you may think it’s a problem. Though it may seem counter-intuitive, in India, a driving licence is not a mandatory document in order to buy a motor policy.
You can purchase a vehicle for yourself or your family even if you don’t have a driving licence, and keep a chauffer for your needs, and also buy a motor insurance cover. In fact, you wouldn’t need a driving licence even for registering your vehicle.
Documents you need
For buying a policy: The documents you generally need when buying a motor policy include the proposal form which covers all the fundamental information about the insured persons, details of the vehicle and driver, a copy of the registration certificate (RC) and, in case of renewal of the policy, a copy of the previous year’s policy. Though driver details are demanded, driving licence is still not mandatory.
For filing claims: Though a driving licence is not mandatory for buying insurance, it is one of the most important documents required for filing a claim, especially if you’re doing it after an accident. Note that it cannot be just anybody’s driving licence. It will have to belong to the person who was driving the vehicle at the time of the accident. However, if the claim gets approved, the sum insured is deposited into the policyholder’s account only.
Insurers would most likely reject your claim immediately if the driver does not have a valid driving licence because this increases the risk to the driver, the vehicle and the third party.
You will also need to submit the RC to confirm the ownership of the vehicle, a copy of the policy to validate if it is effective or not and to know what it covers, the claim form and the date and cause of loss of the vehicle. In case of an accident, additional details such as a first information report for injuries or death or damage to the third party, receipts and repair bills will also be required.