5 essential documents to have in your car to avoid traffic challans


20 Nov 2023

Essential Car Documents: Your Key to Traffic Fine Protection

As a responsible car owner in India, there are certain documents to carry in car. Not only do these documents ensure your compliance with the law, but they can also help you avoid unnecessary traffic challans.

Here are more on five essential documents to be kept in car India and why having the right car insurance, such as Kotak car insurance, is crucial.

  1. Driving license

Your driving license is the most fundamental document to carry while driving. It serves as proof that you are authorised to operate a vehicle. In case you are stopped by traffic authorities, not having your driving license could lead to a hefty fine. Always ensure to have these documents to be kept in car India.

  1. Vehicle Registration Certificate (RC)

The RC is a document that registers your vehicle with the government. It contains important information about your vehicle, including its registration number, chassis number, and engine number. In India, driving without the original copy of your RC is an offence, and you can be penalised for not having it in your vehicle.

  1. Insurance certificate

Your motor car insurance certificate is proof that your vehicle is insured. It's a legal requirement to have at least third-party insurance to drive on Indian roads. Car insurance, like Kotak car insurance, offers various coverage options, including comprehensive policies that provide added protection. Failing to present your insurance certificate during a traffic stop can result in a fine.

  1. Pollution Under Control (PUC) certificate

The PUC certificate verifies that the emissions of your vehicle are within acceptable limits. In many Indian cities, it's mandatory to undergo regular pollution checks, and you should always carry your latest PUC certificate along with other documents to carry in car. Driving without a valid PUC certificate can result in a traffic challan.

  1. Road tax receipt

Although not checked as frequently as other documents, having your road tax receipt can be essential during random checks or in case you're stopped by authorities. It demonstrates that you have paid the required road tax for your vehicle.

Kotak car insurance and its importance

Car insurance is not just a document to avoid traffic challans; it is a financial safety net for unforeseen accidents and damages. Kotak car insurance, among other providers, offers comprehensive four-wheeler insurance options to protect you and your vehicle. Here are some main reasons why car insurance is essential:

  1. Financial security

Motor car insurance provides financial coverage in case of accidents, theft, or damage to your vehicle. Without insurance, you would have to bear these costs on your own.

  1. Legal requirement

In India, having at least third-party car insurance is mandatory. Failing to comply with this law can result in fines and penalties.

  1. Coverage options

Car insurance offers a range of coverage options, from basic third-party insurance to comprehensive four-wheeler insurance that protects your vehicle from various risks, including natural calamities and theft.

  1. Add-Ons

Many insurance providers, like Kotak car insurance, offer add-on covers such as zero depreciation, car insurance online, roadside assistance, and more to enhance your protection.


Carrying the essential documents mentioned above in your car is not only a legal requirement but also a practical way to avoid traffic challans. Additionally, having the right car insurance online, like Kotak car insurance, is vital to safeguard yourself and your vehicle from unexpected expenses and legal troubles.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.