At the time of buying car insurance policy, you need to submit the required documents such as vehicle registration copy, identity proof and address proof etc. If you do not have a valid Driving License and you will drive the vehicle, then you must obtain it without any delay.
Driving License is a document that makes you eligible to drive on the Indian roads. If you drive on Indian roads without a Driving License, you could be penalized. When a car is driven by a licensed driver, it ensures that the driver is capable of exercising complete control of the vehicle and the driver will follow the road signs and traffic rules and regulations.
If the vehicle is driven by an unlicensed driver, there will be a risk to the driver, the car and third party. Though it is not guaranteed that there won't be any road accident when the vehicle is driven by a licensed driver, it reduces the risk to a certain extent. Additionally, it makes the claim request valid.
If you have a comprehensive insurance plan and your vehicle is involved in an accident, you will have to file the car insurance claim with the insurance company.
The following documents should be submitted to the insurance company:
The insurance company will follow the guidelines of the IRDA (Insurance Regulatory Authority of India). As per the guidelines, it is mandatory for the car driver to have a valid Driving License. Hence, if the person who was driving the car at the time of the accident didn’t have the licence, the claim will be rejected by the insurance company.
Note -You should be fully aware of the terms and conditions of the insurance policy. If you are the owner of the vehicle, you should possess a valid driving license when you drive the car. If your car is driven by your family member, he/she should possess a valid driving license when they drive the car.
Before issuing the Driving License, the concerned authority issues the Learner’s Driving License.
There can be instances where your vehicle could be driven by a person who holds a Learner’s Driving License. In those cases, the learner should be accompanied by a person who holds the valid driving license.
Here are the features of the Learner’s Driving License:
The eligibility criteria for obtaining Learner’s Driving License is:
The following documents are required to apply for a learner’s license:
Here is the learner’s test information that you must know:
After obtaining the Learner’s Driving License, the applicant is eligible to drive the vehicle. The learner must paste ‘L’ alphabet in the front side and back side of the vehicle to notify the commuters.
The next step is to obtain the permanent driving license.
The applicant should possess the Learner’s Driving License for at least 30 days before applying for a permanent Driving License.
Now that you know everything about the Driving License, let's move to car insurance.
The third-party car insurance plan is the basic car insurance plan that you can buy from any insurance company. It will fulfil your legal obligation and it makes you eligible to drive your car on public roads without any issues.
The insurance plan fulfils your liability arising from the third-party damages as per the terms and conditions of the policy.
If the driver or passenger of the third-party car is injured or passed away in the accident, the insurance company will pay for the damages.
Here are the exclusions of third-party insurance:
As the name suggests, a comprehensive insurance policy provides coverage to the insured vehicle, driver and passengers. Additionally, it fulfils the third-party liability.
Here are the features of comprehensive motor insurance:
If you need the complete protection of your car, you should buy a comprehensive insurance plan.
However, if you have an old car whose market value is negligible, you can go for a third-party car insurance policy. If you are not happy with the basic vehicle insurance coverage, you can avail add-on covers.
Now you know that having a valid driving license is mandatory to file a claim for your insurance policy. However, it is not mandatory in order to buy a car insurance plan. You can go through various kinds of car insurance plans and select the best plan to cover various risk factors in terms of vehicle, driver, passengers and third-party damages.
You should be aware of the terms and conditions of the claims process so that you can make the most of your car insurance plan.
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