RC Expired Insurance Valid? Claim Milega Kya

If your RC (Registration Certificate) is expired but insurance policy is active, third-party insurance generally remains valid as per Motor Vehicle Act. However, own damage claim may be rejected if the insurer proves policy condition breach.

Now let’s understand this properly.

RC Expire Ho Gaya To Policy Valid Hai?

Third Party Claim

Under Motor Vehicle Act, third-party insurance is compulsory.
Even if RC expired, insurer is usually liable to pay third party claim.

Courts generally protect third party victims.

Own Damage Claim

Now important part.

If your vehicle meets with accident and:

• RC expired vehicle accident claim
• own damage claim RC expired
• claim reject due to RC expired

Insurance company may reject claim if they prove:

• Vehicle was not legally fit to run
• RC renewal intentionally delayed
• Policy terms violated

So answer to:

RC expired insurance claim milega kya?
It depends on type of claim and circumstances.

RC Expired Commercial Vehicle Insurance

Commercial vehicles face higher scrutiny.

If you operate truck, taxi, bus, auto, tractor, dumper or goods vehicle — RC validity becomes even more critical.

For commercial vehicles:

Fitness certificate
Permit
RC
Insurance

All must be valid.

RC Expired Fine and Insurance Impact

If RC expired:

• You may face challan / fine
• Vehicle may be seized
• Claim investigation becomes strict

Insurance company may use RC expiry as ground for claim rejection.

Legal Position: Can Insurance Company Reject Claim?

Important:

IRDAI does not directly cancel insurance due to RC expiry.
But insurer can deny own damage claim if policy breach is proven.

Court case example logic:

• Minor technical breach → Claim may still be paid
• Major violation → Claim may be rejected

What Happens If RC Expired and Accident?

Scenario-based answer:

Situation	Third Party	Own Damage
RC expired, accident minor	Likely valid	Depends
RC expired long time	Valid	Risk of rejection
RC + fitness expired	Valid	High rejection chance
RC + permit expired	Valid	Strong rejection possibility

What Should You Do If RC Expired?

Immediately apply for RC renewal
Avoid using vehicle commercially
Inform insurer if accident happens
Maintain documentation
Do not hide RC expiry during claim

Final Verdict: RC Expired Insurance Valid?

Third party claim – Mostly valid
Own damage claim – Case dependent
Long expired RC + other violations – High rejection risk

If you operate truck, taxi, bus, auto, tractor, dumper or goods vehicle — never let RC expire.

Legal compliance protects your claim.