The Motor Vehicles Act in India is a significant law governing motor vehicle use on public roads. It covers driving permits, bike insurance, traffic laws, and vehicle registration. Initially introduced in 1988, it has been revised to adapt to changing technology and societal trends.
Describe The Motor Vehicles Act
The Motor Vehicles Act in India covers various aspects of vehicle use, including registration, driver’s licenses, traffic regulations, and insurance requirements. It imposes penalties for violations, ranging from fines to license suspension.
Which Offences Fall Under The Purview Of The Motor Vehicles Act?
A broad range of offences about the use of motor vehicles on Indian public roads are covered by the Motor Vehicles Act. The following are a few of the most frequent offences covered by the Act:
Operating A Vehicle Without A Licence
This is a serious offence that carries severe punishments, including jail time. Anybody operating a motor vehicle on a public road is required to have a current driver’s licence.
Exceeding the specified speed limit is a violation that may result in penalties, licence suspension, or even imprisonment.
Operating A Vehicle While Impaired By Drugs Or Alcohol
Driving under the influence of drugs or alcohol is a serious offence with a potential jail sentence, licence suspension, or both.
Breaking Traffic Laws
This covers violations like running a red light, failing to put on a seatbelt or helmet, using a phone while operating a vehicle, and other similar offences.
Operating A Vehicle Without Insurance
In India, every motor vehicle owner must maintain a current insurance policy for their bike. According to the Act, driving without a valid bike insurance policy is illegal.
Overloading Either Passengers Or Goods
Overloading passengers or goods beyond legal limits is prohibited under the Motor Vehicles Act, leading to fines and penalties. This is just one of the many offences the Act covers, including driving without a registration certificate and violating pollution control regulations. To avoid legal or financial issues, all drivers and vehicle owners need to understand and adhere to the Act’s rules and regulations.
A motor insurance policy is essential for every vehicle owners. Driving without insurance not only carries a fine but also carries a possible three-month jail sentence.
Other Key Features
Calculator For Motor Insurance Premiums
The cost of motor insurance depends on factors like vehicle type, age, usage, and location. You can calculate the premium using a two-wheeler insurance calculator. Premiums rise with the vehicle’s risk level, meaning luxury bikes and commercial vehicles generally have higher premiums due to increased risk.
Motor Insurance Claim
In the event of an accident or damage, you can file a motor insurance claim with your insurance company. A surveyor will assess the damage, and if the bike insurance claim is approved, the insurance provider will cover the repairs or provide compensation per the policy terms. Make sure you renew your bike insurance to be able to make bike insurance claims.
Claims are subject to terms and conditions set forth under the motor insurance policy.*
Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.