Page 446 - The Central Motor Vehicles Rules, 1989

418 THE CENTRAL MOTOR VEHICLES RULES, 1989 RULE 148

146. Certificates or cover notes lost, destroyed, torn, soiled, defaced or mutilated
(1) Where the holder of a policy— 146
(a) lodges with an authorised insurer a declaration in which he declares that a
certificate of insurance or cover note issued to him by such insurer has been
lost, destroyed, torn, soiled, defaced or mutilated and sets out full
particulars of the circumstances connected with the loss or destruction of
the certificate or cover note and the efforts made to find it; or
(b) return to the authorised insurer the certificate of insurance or cover note
issued to him by such insurer in a torn, soiled, defaced or mutilated
condition; and
(c) pays to the insurer a fee of rupees twenty in respect of each such certificate
or cover note, the authorised insurer shall, if satisfied that such certificate
or cover note has been lost or destroyed and that all reasonable efforts have
been made to find it, or that it has been destroyed or is soiled, defaced or
mutilated, as the case may be, issue in lieu thereof a duplicate certificate of
insurance or cover note with the word “Duplicate” prominently endorsed
to the effect.
(2) When a duplicate certificate or cover note has been issued in accordance with
the provisions of sub-rule (1) on representation that a certificate or cover note has been
lost, and the original certificate or cover note is afterwards found by the holder, the
original certificate or cover note, as the case may be, shall be surrendered to the insurer.
147. Records to be maintained by authorised insurers
1
147
Every authorised insurer shall keep a record [either electronically or otherwise]
of the following particulars in respect of every policy of insurance issued by him for a
period of five years, namely:—
(i) full name and address of the person to whom the policy is issued;
(ii) in the case of a policy relating to a specified motor vehicle, the registration
mark and the number of such vehicle and in other cases, description of the
vehicle covered;
(iii) the date on which the policy of insurance comes into force and the date of
its expiry;
(iv) the conditions subject to which the person or classes of persons specified in
the policy of insurance will be indemnified;
(v) the number and date of issue of every certificate of insurance or cover note
issued in connection with the policy of insurance;
(vi) the date, if any, on which any duplicate certificate of insurance or cover note
was issued;
(vii) whether, after the issue of duplicate, the original certificate of insurance was
found and subsequently surrendered to the insurer and if so, on which date.
148. Records of exempted vehicles
(1) In the case of a motor vehicle owned by any of the authorities specified in
148
sub-section (2) of section 146 as also in the case of motor vehicles exempted under
sub-section (3) of section 146, a certificate in Form 53 signed by a person authorised in

1 Inserted vide GSR 164(E), dt. 25-2-2022, w.e.f. 1-4-2022.