All You Need to Know About Car Insurance in DigiLocker

While driving, it is crucial to carry some essential documents, such as car insurance, PUCC (pollution under control certificate), registration certificate, and driving licence. However, with the advent of DigiLocker, you no longer need to keep physical copies of your motor insurance. Let's have a look at what it is, its benefits, and how you can store your car insurance in Digilocker.

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What is DigiLocker?

DigiLocker is a digital platform that is an initiative of the Ministry of Electronics and Information Technology (Meity). It has been developed in the form of a mobile application that allows citizens of India to carry their identification and mandatory vehicle-related documents in digital form. Citizens can store any type of documents such as their driver's licence, registration certificate, etc.

The application does not store scanned copies of documents, rather, an official and government-approved format that cannot be downloaded and can only be viewed through the DigiLocker application. which is valid as per the law. This makes the documents acceptable to government authorities and transport departments. Hence, with the DigiLocker app, car owners can simply drive their vehicles on Indian roads without having to carry physical documents or keep multiple scanned copies in their devices, which can be shown as valid proof whenever required.

Digilocker Car Insurance: Key Benefits and Things to Know

With the recent amendment to the Motor Vehicles Act, 2019, passed by the Ministry of Road Transport and Highways (MoRTH) authorizing the official use of the DigiLocker app, the Government of India has taken a vital step to implement paperless governance. It is beneficial for both - the reduction in administrational overheads of the government through minimized use of paper as well as convenience for the citizens of India.

All car insurance companies are associated with DigiLocker, allowing easy storage of the digital copies of car insurance documents in DigiLocker.

One of the biggest benefits of carrying digital car insurance documents is the convenience of driving on roads without worrying about the hard copy. Amendments to the Motor Vehicles Act, 2019 have brought about harsh penalties for traffic violations and stricter punishments. Hence, not having valid documents can result in serious consequences and traffic challans. While all of us try to remain as careful as possible when it comes to carrying all mandatory documents, the possibility of missing the physical copies is low but never zero.

This makes the introduction of the DigiLocker app a big step towards facilitating convenience for the citizens, as they are permitted to present documents digitally through this app. Moving forward, owner-drivers can avoid being charged with fines which have seen a significant hike with the new amendment in the Motor Vehicles Act, 2019.

Hence, the DigiLocker has become extremely useful as it allows you to carry your documents all the time with you and takes off the risk of getting caught by the traffic police for not keeping valid documentation while driving on the road.

How to Upload Car Insurance to Digilocker?

Here is the simple procedure to add or retrieve your car insurance documents from Digilocker:

1. Visit the official website of Digilocker or download the Digilocker App from the Play Store or App Store.
2. Log in or create your account via mobile or Aadhar number.
3. Now, under 'Banking, Financial Services and Insurance,' select your car insurance company.
4. Enter your policy number and other required details.
5. You will now be able to access your vehicle insurance in Digilocker.
6. The same process applies to saving other documents to your Digilocker account.

Other Documents That Can Be Digitally Carried in India

When it comes to driving on Indian roads, one of the biggest hassles has always been the inconvenience of carrying multiple documents in physical form. With DigiLocker, apart from storing your motor insurance documents, you can also carry the following list of mandatory documents on your device:

• Vehicle's Registration Certificate (RC): The most important traffic document is the vehicle's registration certificate. Carrying an RC is mandatory, and can be inspected anytime on the road as a valid RC shows that the vehicle is being legally driven.
• Pollution under control (PUC) certificate: With the rise in pollution levels in India, the government is getting stricter when it comes to the pollution emitted by vehicles. A PUC certificate shows that the pollution/gases emitted by the vehicle are under control and up to the standards set by the government. Not carrying a PUC certificate can also call for hefty fines. So make sure that you keep them handy in a digital format.
• Driving licence: Needless to say, a driving licence is a critical document. Driving vehicles without a valid licence is a strictly punishable offense and can call for legal consequences.

You May Also Read: Know About PUC Certificate

To Conclude

The introduction of DigiLocker has been an excellent step by the Government of India in facilitating the issuance and verification of documents in a hassle-free manner. The steps mentioned above will help you easily save or fetch your car insurance or other necessary documents from Digilocker, thereby eliminating the need to carry physical copies. If you don't have insurance yet, you can visit Policybazaar.com to compare and buy car insurance online in just a few minutes.