Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Health insurance just got 18% cheaper – no GST applicable!

 
  • Common Problems Of Car Gearbox

    by Bhawana Maurya | Jun 14, 2024

    A gearbox, also called transmission, is a mechanical device which transfers power from one part to another. It also regulates speed and torque between car components like a load and a motor.

    Simply put, a gearbox is a collection of gears connected to the wheels and shifted to manage speed and torque while driving. The gears are arranged in different patterns to provide various speed levels while maintaining the engine performance.

    Due to its constant use, wear and tear can cause various types of gearbox problems. Considering its role in directing power from the engine to the wheels, it is necessary you never overlook them. Understanding what these issues are is essential for timely identification and resolution to maintain the optimal performance of the gearbox.

    List Of Common Car Gearbox Problems

    • Insufficient Acceleration or Throttle Response
    • This problem leads to a delay in the car's acceleration. This can happen due to a faulty clutch, exhausted plates, worn-out clutch springs or air in the fluid passage.

    • Transmission Fluid Spillage Under Your Car
    • Transmission fluid is a bright orange liquid required to lubricate the gearbox. It can spill and accumulate under your car because of excessively high oil levels in the enclosure, damaged oil sealings, loose nuts or bolts or a crack in gear sealing.

    • Grinding Noise and Buzzing During the Gear Shifts
    • One of the most common gearbox problems is the shaking and grinding of your car during a gear shift. It can happen due to a dry rear wheel bearing on the main shaft, damaged speedometer drive gears, insufficient lubrication because of worn bearings and shaft, or excessive recoil in a gear train.

    • Difficulty in Gear Shifting
    • The car gear can stop working correctly and sometimes, can even get completely stuck. This problem requires immediate attention. The main reasons for this are defective clutch linkage or excessive tough shifter lock spring. This can also occur due to distorted main shaft splines, synchronization errors in automatic transmission, or distorted gear teeth.

    • Gears Slipping
    • If your vehicle turns back to its previous gear after a gear shift, it is called a gear slip. The kit usually slips into neutral or lower gear, which can be dangerous. It usually happens due to faulty or exhausted gear and thrashed gear teeth.

    • Burning Smell
    • A burning smell can indicate faults in your gearbox. It usually happens due to a shortage or overheating of transmission fluid.

    • Congested Filter
    • To maintain clean transmission fluid, it is necessary to have a good filter. A congested filter is clogged up with impurities and can ruin transmission fluid. It happens due to negligence in the service of the filter.

    Conclusion

    Most of the gearbox problems mentioned above require the replacement or servicing of certain parts of the car, which can be heavy on the pocket. Car insurance comes in handy in situations like this. Getting your car's gearbox regularly serviced is like giving it a check-up, keeping it running smoothly and reducing the chances of big problems. Taking care of your gearbox not only keeps your car performing well but also makes it last longer. So, a combination of regular maintenance and insurance is a smart way to keep your car in good shape without breaking the bank.

  • Can a Hybrid Vehicle Have a Green Number Plate?

    by User Not Found | Jun 11, 2024

    In December 2020, India introduced the green number plate for all new and existing electric vehicles. It distinguishes these eco-friendly vehicles from other conventional ones. Many doubt whether a green number plate on a hybrid car is allowed. Let’s seek clarity regarding this.

    Can a Hybrid Car Have a Green Number Plate?

    1. Green number plates are strictly for fully electric cars.
    2. Green number plates for hybrid cars are not allowed since these vehicles use electric power and energy from conventional fuels.
    3. Hybrid cars do not have zero emissions. So, they are not qualified for the green number plates.
    4. Green number plates are only for eco-friendly vehicles, and hybrid cars do not fall into that category.
  • What Changes will BS VI Emission Norms Bring with It?

    by User Not Found | May 17, 2024

    The Bharat Stage Emission Standards (BSES), set by the Central Pollution Control Board under the Ministry of Environment and Climate Change, were first introduced in India in 2000. To put a check on the air pollutants released by a vehicle’s internal combustion engine, the Government of India made these emission standards mandatory for all automobiles.

    The Bharat Stage (BS) emission norms are based on the European (EURO) emission standards. It was first brought into effect under the head “India 2000”, which was followed by BS II in 2001 and BS III in 2005. However, it was only with the enforcement of BS IV in 2010 that the emission standards became more stringent in India. After that, the Government decided to skip the implementation of BS V in 2016 and instead, decided to introduce BS VI in 2020.

    Bharat Stage VI is the 6th mandate for vehicular emission norms in India, which is stricter and more restrictive. Considering the ever-rising air pollution in the country, it is a welcome upgrade. Once BS VI norms are rolled out, it will give a push to our country’s battle against air pollution. With BS VI’s implementation, India’s vehicle emission norms will be at par with the USA’s and Europe’s emission norms.

    What changes should you expect from BS VI emission norms?

    With the rolling out of BS VI emission norms, you should expect the following changes:

    With the rolling out of BS VI emission norms, you should expect the following changes:

    1.Change in the fuel used

    One of the major upgrades that is being introduced with the implementation of BS VI is the change in fuel to be used in vehicles. A vehicle with BS VI engine will require BS VI fuel to function properly. A BS VI vehicle using BS IV-grade fuel will not be able to conform to the BS VI emission norms. Similarly, a BS IV vehicle using BS VI-grade fuel will lead to a damaged engine and result in increased emissions.

    2.Change in sulphur and nitrogen oxide levels

    The most crucial difference between BS IV-grade and BS VI-grade fuel will be in terms of the content of sulphur and nitrogen oxide. While the sulphur traces in BS IV fuel is 50 ppm, the traces of the same in BS VI fuel is 5 times lower, i.e. 10 ppm. Moreover, the level of nitrogen oxide decreases to 70% in BS VI diesel engines and 25% in BS VI petrol engines.

    3.Introduction of Real Driving Emission (RDE)

    For the very first time in India, the concept of Real Driving Emission will be introduced with the implementation of Bharat Stage VI emission norms. It will measure the emission from a vehicle in real-time conditions and compare it against laboratory conditions.

    4.Introduction of Diesel Particulate Filter (DPF) and Selective Catalytic Reduction (SCR)

    BS VI is introducing the concepts of Diesel Particulate Filter and Selective Catalytic Reduction in the engines of BS VI-compliant vehicles, which were not a part of the BS IV vehicles.

    5.Introduction of Onboard Diagnostics (OD)

    Another change that is being brought about with the implementation of BS VI emission norms is OD becoming mandatory for all vehicles. It is a comprehensive electronic system that senses failures related to exhaust emissions of vehicles running on combustion engines.

    What will happen to BS IV vehicles after the introduction of BS VI vehicles?

    The Supreme Court of India, through a mandate in October 2018, has declared that the selling and buying of BS IV vehicles will be banned after April 2020. The court has ordered all car manufacturers in India to clear their stock of BS IV cars before the deadline.

    Further, the Supreme Court has clarified that there will be no extension of the deadline for car manufacturers to clear their stock of BS IV vehicles. Hence, only BS VI cars will be able to tread legally on the Indian roads after April 2020.

    However, if you already own a BS IV car, you don’t need to worry. The Finance Minister of India has stated that BS IV vehicles bought before March 2020 will remain operational up to their period of registration. Thus, you don’t need to sell the BS IV vehicle you already own and buy a BS VI car immediately.

    The final word

    If you own a BS IV petrol car or are planning to buy a BS VI petrol car, you don’t have to worry about fuel usage as BS IV-grade and BS VI-grade petrol have similar composition and you can use it interchangeably. However, if you own a BS IV diesel car, never use BS VI diesel in its engine as the low sulphur content of BS VI diesel will lead to less lubrication and result in frictional issues and increased emission. Ensure your car insurance covers any potential damage caused by incorrect fuel usage.

    Similarly, if you buy a BS VI diesel car, make sure never to use BS IV diesel. The high sulphur content in it can severely damage the fuel delivery system, clog the fuel filter and catalytic converter, resulting in a drastic increase in emission.

  • Traffic Fines for Traffic Violations in Chennai

    by User Not Found | May 16, 2024

    As you drive through the busy streets of Chennai, law enforcement unexpectedly pulls you over, making you realise that you have unknowingly exceeded the speed limit. While relying on traffic rules for safety, we often need to remember them. Let’s explore Chennai’s traffic fines, particularly emphasising drink and drive fines in Chennai, highlighting the importance of adhering to regulations for both our safety and legal compliance.


    Traffic Fines for Traffic Violations in Chennai

    Stay vigilant with this useful guide on drink and drive penalties in Chennai to prevent surprises during your journey:

    • Drunk Driving or Riding: Fines start at ₹10,000 or 6 months in prison, which escalates to ₹15,000 and/or 2 years in jail for repeat offences.
    • General Traffic Rule Violations: A penalty of ₹500 is imposed for minor infractions.
    • Violations of Road Rules and Regulations: Non-compliance results in a fine of ₹500.
    • Travelling Without Tickets: This incurs a fine of ₹500.
    • Driving Without Valid Registration Certificate: A significant fine of ₹5,000 is levied for this violation.
    • Disobeying Traffic Police Orders: Failing to comply results in a ₹2,000 fine.
    • Driving or Riding Without a Licence: This serious offence carries a fine of ₹5,000.
    • Driving after Licence Cancellation: Continuing to drive post-licence cancellation attracts a fine of ₹5,000.
    • Driving an Oversized Vehicle: Operating an oversized vehicle incurs a ₹5,000 fine. 
    • Riding without a Helmet: This incurs a ₹1,000 fine and a 3-month ban on the riding licence.
    • Driving without Insurance: A fine of ₹2,000 is imposed for uninsured driving.
    • Rash and Negligent Driving: This serious offence results in a ₹5,000 fine.
    • Over-boarding on Two-wheelers: Carries a ₹2,000 fine and a 3-month licence suspension.
    • Violations by Juveniles: A hefty fine of ₹25,000 and up to 3 years imprisonment can be imposed.
    • Driving Without Seatbelts: A fine of ₹1,000 or community service is required.
    • Violating Licence Conditions: Fines range between ₹25,000 and ₹1 Lakh.
    • Driving Without a Valid Permit: A fine of ₹5,000 is levied for this offence.


    Conclusion

    Acknowledging the significance of car insurance is crucial, especially in Chennai, where strict traffic regulations, including hefty fines for violations like drink-and-drive, are in place. Prioritising insurance ensures legal compliance and safeguards against potential financial consequences. Responsible driving and comprehensive coverage are essential for a safer and more secure commute in Chennai’s traffic-regulated environment. 

  • Tips To Reduce Motion Sickness While Driving

    by User Not Found | May 06, 2024

    You can easily alleviate the effects of motion sickness through some simple methods

    A sensation of wooziness, motion sickness is a common phenomenon experienced by many while driving. It can start suddenly, leading to dizziness, nausea and vomiting and can quickly turn your trip into a nightmare. In this article, we will share a few tips that will help you to reduce the effects of motion sickness while you’re behind the wheels.

    Monitor What You Eat

    It’s important to watch the type of food you consume before setting out for a drive as it can make a significant difference to the onset of motion sickness. It is best to avoid food that makes you unusually full. At the same time, you should avoid consuming spicy foods with strong odour as it may worsen the condition.

    Hence, make sure that you take light meals and if you find certain foods not agreeing with your taste, it’s advisable to avoid them completely. A strict control over your diet goes a long way in relieving the symptoms of motion sickness.

    Watch Out Your Position

    When you are driving, make sure to sit in a comfortable position and look at the horizon. When you do so, you keep your focus away from the moving objects. Though you need to be mindful of your surroundings, avoid looking sideways through the windows as much as possible.

    This is because looking sideways can sometimes lead to a sudden and severe nausea. If you are driving a four-wheeler and can keep its windows open, do so as a constant gush of fresh air can reduce the effects of motion sickness.

    Keep the Interiors of Your Vehicle Cool

    If you’re driving a vehicle that’s warm from inside, it can escalate the condition of motion sickness. Hence, try to keep the interiors of your vehicle cool to keep the symptoms in check. You can switch on the air-conditioner of your car and try to recirculate the air so that you aren’t subjected to exterior odours.

    Keep Your Vehicle Well-ventilated

    Another common reason for experiencing motion sickness while driving is poor ventilation inside the car. This can lead to certain odours being trapped, which can cause dizziness and nausea. Therefore, it’s advisable to keep your vehicle well-ventilated by lowering down the window panes a little bit.

    At the same time, it is a good idea to have some soothing odour in your vehicle such as mint or lavender as it can prevent the triggers of motion sickness.

  • Drink and Drive Fines in Delhi

    by User Not Found | May 02, 2024

    You need a fit body and an even fitter mind to drive a vehicle properly. These prerequisites are more applicable in India than elsewhere. Now, the authorities have taken a tough stance against road ragers who, mainly under the influence of alcohol, resort to rash and irresponsible driving, causing serious injury to others and themselves. Let’s find out more about the drink and drive fine in Delhi. 

    Navigating Drink and Drive Fines in Delhi

    • Estimated vehicle numbers : 1 crore 34 lakh and growing
    • First recorded offence: INR 10,000 and/or a 6-month jail sentence
    • Subsequent offences: INR 15,000 and/or imprisonment for two years
    • Test: Blood Alcohol Content (BAC) test with a breath analyser
    • Threshold: Alcohol content consumed should not exceed 30 mg per 100 ml of blood

    This is the new drink and drive penalty in Delhi made applicable after the Motor Vehicles (Amendment) Act, 2019. The stringent rules are designed to deter drunken driving and ensure the roads of Delhi remain safe. Besides impounding the vehicle, the Delhi Traffic Police can also seize the offender's driving license.

  • Drink and Drive Fines in Bangalore

    by User Not Found | May 02, 2024

    Bangalore houses one of the largest industrial zones in India. The city is growing rapidly in population and in the number of two and four-wheelers. Bangalore residents are becoming increasingly concerned about rising pollution and traffic violations. Penalties for drunk driving have been increased to prevent accidents and serious injuries, and the government has tightened the rules related to rash and drunken driving. Updated traffic rules, responsible driving, and four-wheeler insurance can create safer roads and effectively mitigate accidents.

    Navigating Drink and Drive Fines in Bangalore

    • An initial offence related to drink and drive fine in Bangalore carries a penalty of INR 10,000 and/or a maximum jail sentence of six months.
    • All vehicles are subject to penalties, including commercial vehicles, two-wheelers, and four-wheelers.
    • A second offence of drink and drive penalty in Bangalore carries a fine of INR 15,000 and a maximum jail sentence of two years.
    • If a driver is found intoxicated, the police will confiscate the car right away.
    • A Blood Alcohol Content (BAC) test indicates intoxication if the alcohol content is more than 30 mg per 100 ml of blood.
    • The government must work to raise awareness and prevent drunken driving, as it can end in terrible consequences.
  • Drink And Drive Fines in Mumbai

    by User Not Found | May 02, 2024

    Mumbai is a city that never sleeps. This tag comes from the cosmopolis’ ever-increasing number of people and vehicles. Over the years, this has led to increased traffic offences (such as operating a car/bike without proper insurance). The Government of India passed The Motor Vehicles (Amendment) Act 2019 to curb such nuisance nationwide. Mumbai authorities also implemented the new Act, resulting in new traffic rules, increased drink and drive fines in Mumbai, and added new violations. All these steps are meant to discourage traffic violations.

    Navigating Drink and Drive Fines in Mumbai

     

    • Offenders are subject to a fine of INR 10,000 or six months in jail for drunk driving.
    • The drink and drive penalty in Mumbai carried a punishment of INR 2,000 or six months in prison before September 2019.
    • Second-time offenders risk a fine of INR 15,000 and two years in jail under the amended Act
    • Mumbai residents aged between 26 and 35 are likelier to breach the law.
    • Traffic police use breath alcohol content tests, for which the threshold is 30 mg of alcohol per 100 ml of blood.
    • The necessity for cautious driving is highlighted by the fact that a rise in vehicles leads to worsening traffic conditions and an increase in accidents.
  • What Are the Components of a Vehicle Number Plate?

    by User Not Found | May 02, 2024

    We have vivid memories of childhood when random numbers behind cars intrigued us a lot. And it takes us years to realise that those numbers serve a crucial purpose. 

    Components of a Vehicle Number Plate

    Let’s try understanding the various components of a green number plate in India through an arbitrary example, say DL 11 XX 1234.

    • The two letters at the beginning indicate the Indian state where the vehicle is registered. For instance, DL stands for Delhi.
    • The following two digits denote the Regional Transport Office (RTO), or district, where the vehicle is registered.
    • The third component is alphanumeric; each vehicle possesses a distinctive code.
    • The final component represents the international registration code for India, identified as ‘IND’.
  • What is the Green Number Plate in India?

    by User Not Found | May 02, 2024

    With over 362 million vehicles registered in India, distinguishing one from the other is a mammoth task. Vehicle number plates have come to the rescue at this moment. These plates are a unique combination of letters, digits, and colours. Let’s understand more about them.

    Green Number Plate

    Vehicle number plates are colour-coded depending on the purpose they serve. A green number plate in India denotes an electric vehicle. These number plates have white alphabets and digits on a green background. The alpha-numeric code is written with a white colour in private vehicles and with a yellow colour in commercial vehicles. The green number plate in India comes with its own share of benefits. These include lower toll taxes on highways, preference while parking vehicles, exemption from paying road tax and registration fees, and much more.

  • How to Pay e-Challan in Bihar?

    by User Not Found | Apr 30, 2024

    Have you received an e-challan in Bihar recently and are scratching your head, wondering how to clear it? Worry not! We have got you covered. An E challan payment in Bihar is easier than you might think, and we are here to walk you through the process step-by-step.

    Pay e-Challan in Bihar

    An online challan payment in Bihar is a simple process. It is set up as fast and easy to use. 

    • Start by Visiting the Official Site

    The first step is to head over to the Bihar Transport Department’s website. This site is your primary resource for managing your e-challan.

    • Find the 'Challan Details' Option

    Navigate to the ‘Online Services’ section once you are on the website. You can find the ‘Challan Details’ option here. Click on this to move forward in your e-challan payment journey.

    • Redirected to e-Challan Link

    After clicking on ‘Challan Details’, you will be redirected to a new page. Here, you will find the official e-challan Parivahan link. Click on this link to proceed to the next step.

    • Select 'Get Details'

    Your task is to select the ‘Get Details’ option on this new page. This button is crucial as it leads you to access your specific e-challan details.

    • Enter Relevant Information

    Now it is time to input some details. Your challan, car, or driver's licence number can be entered. This step is essential to retrieve your specific challan information.

    • Enter the Captcha Code

    A captcha code is required for security reasons. Enter this code to move on to the next stage carefully.

    • View and Pay Your Challan

    Your pending e-challans will be displayed upon entering the correct information. After you have decided which one to pay, select it and proceed with the online payment process.

    • Confirmation and Transaction ID

    You will receive a confirmation message along with a transaction ID once the payment is successfully made. This information is a record of your payment, so be careful with it.

  • Checking the e-challan status in Bihar: What are the steps?

    by User Not Found | Apr 30, 2024

    Updated on 8 Dec 2025

    In Bihar, traffic rules have become increasingly strict with the growing use of e-challans. This particular challan is an online fine charged by the traffic police in Bihar for breaking or violating traffic rules. It helps maintain transparency and enables people to avoid unwanted delays.

    If you reside in Bihar, it’s essential to know how you can check the status of the e-challan online. Doing so can help you clear all the fines instantly and prevent legal problems.

    Reasons you might get an e-challan in Bihar

    The traffic police in Bihar can issue an e-challan for several reasons. These can be:

    • Overspeeding on the highways.
    • Jumping the traffic lights.
    • Driving a vehicle without valid documents, such as an RC, insurance plan, etc.
    • Not using a seatbelt while driving a car or wearing a helmet when driving a two-wheeler.
    • Being on a call while driving.

    Steps to check e-challan status in Bihar

    Checking an online e-challan status in Bihar is a straightforward process. Just follow these simple steps:

    • Visit the Parivahan Website

    Start by going to the official site for all e-Challan-related services.

    • Navigate to 'Check Online Services'

    Click 'Check Online Services' on the top menu bar, and click 'Check Challan Status' from the options.

    • Enter Your Details

    Enter your challan number, car number or the number of your driving licence to continue.

    • Complete the Captcha Verification

    Enter the correct captcha code. This step is crucial for security reasons.

    • View Your Challan Status

    You can view the status of any pending challans after completing these steps.

    Additional tips regarding traffic challan in Bihar

    When you receive an e-challan, keep the following points in mind:

    • Always carry all the valid documents while driving.
    • Ensure timely payment to avoid incurring additional penalties.
    • If you discover the challan to be incorrect, you can request a correction through the official e-challan portal or by visiting your local traffic police station.
    • You should regularly check the status online to keep it up to date.

    Importance of having car insurance for driving in Bihar

    In Bihar, having a valid car insurance policy is not just a legal requirement, but it’s also a way to safeguard yourself from all the heavy penalties. If you’re caught without insurance, you might receive an e-challan and also face much higher fines. Apart from that, having a car plan will also help cover medical costs, third-party damages and accident expenses.

    Conclusion

    Checking the status of your e-challan in Bihar is as simple as it gets, and you can complete it online in just a few minutes. You should keep the third-party car insurance policy updated, follow all the traffic rules and be extra careful while driving on Bihar roads. Doing so will keep you protected from fines and legal troubles.

    Furthermore, if you want car insurance-related advice and solutions, fill out the form on this page. 

    FAQs

    • Who receives an e-challan in Bihar?

    An e-challan is issued to all individuals who violate or fail to follow traffic rules.

    • What happens when someone doesn’t pay their e-challan?

    Failing to pay the challan on time results in significantly higher fines and penalties, as well as potential court notices.

    • Is vehicle insurance compulsory in Bihar?

    Yes. Having car insurance is mandatory for all sorts of vehicles.

    • Where to pay the e-challan?

    You can make the payment either through the online Parivahan portal, at an authorised bank or at a nearby traffic police station.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • How to Check Traffic Challan Status in Mumbai

    by User Not Found | Apr 30, 2024

    Updated on 1 Dec 2025

    Mumbai, the city that is always awake, is also constantly on the move. With over 4 million registered vehicles on the roads, traffic violations are bound to happen, and the e-challan system has emerged as a smart solution to keep things in check. Minor slip-ups like missing a traffic signal, going slightly over the speed limit or riding without a helmet can lead to fines in Mumbai. Thankfully, with the e-challan system, checking and paying these fines online has become quick and hassle-free.

    What is Mumbai e-challan?

    An e-challan is a digital fine issued by the Traffic Police for breaking traffic rules. Unlike the traditional paper challans, these are created using surveillance cameras, speed detectors and handheld devices used by traffic officers.

    Each e-challan is recorded with evidence, such as photographs or video footage, and uploaded to a central database, making it easy for citizens to verify and pay their fines online.

    How does e-challan work in Mumbai?

    The e-challan system is managed by the Ministry of Road Transport and Highways (MoRTH) and seamlessly integrated with the Maharashtra Transport Department and Mumbai Traffic Police.

    Here’s how it typically works:

    • Traffic rule breaches are recorded through CCTV surveillance or handheld e-challan devices used by traffic officials. Details of the violation, including the vehicle number, date, time and location, are captured.
    • The system generates an e-challan and updates it on the official traffic portal.
    • Vehicle owners receive an SMS alert (if the mobile number is linked with the vehicle).
    • The fine can be checked and paid online using your vehicle number or challan number.

    This transparent system helps reduce corruption and ensures fair enforcement of traffic rules.

    Check the traffic challan status in Mumbai

    Follow these simple steps to check your status:

    • Visit the Government of India website called Parivahan or the website of the Mumbai Traffic Police.
    • Find the "Check Challan Status" option on their homepage.
    • Enter either your vehicle number or the last four digits of its Chassis/Engine number.
    • Complete captcha verification.
    • Click on "Submit".
    • Finally, click "Get Details" to retrieve information about any challans issued against your vehicle.

    Pay e-challan in Mumbai

    After identifying a pending challan, you can settle it online with just a few easy steps:

    • Mumbai Traffic Police website: Choose the challan, verify the details and pay via net banking, debit/credit card or UPI.
    • Parivahan portal: Use the challan number or vehicle number to make payments.
    • Payment apps: Online applications also offer quick payment options.
    • Offline: Go to your nearest Mumbai Traffic Police station to make the challan payment directly.

     Note: Always keep a digital or printed receipt after paying your challan for your records.

    Validity of e-challan in Mumbai

    If there are any pending challans, it is important to take action. This may involve paying fines or resolving any violations. If a person who has been issued an e-challan fails to make the payment within 60 days, the e-challan will be sent to the Lok Adalat. In that case, the court has the authority to either increase the amount of the e-challan or send the offender to prison for three months.

    Traffic fine in Mumbai

    Traffic fines in Mumbai are governed by the Motor Vehicles (Amendment) Act, 2019. Common violations and penalties include:

    Violation

    Fine Amount

    Driving without a licence

    ₹5,000

    Over speeding

    ₹1,000–₹2,000

    Drunk driving

    ₹10,000 + 6 months imprisonment

    Not wearing a helmet or seatbelt

    ₹ 1000

    Using a mobile phone while driving

    ₹1,000–₹5,000

    Driving without valid car insurance

    ₹2,000 (first offence), ₹4,000 for repeat offenders

    Conclusion

    Managing your traffic challans is an important part of being a responsible citizen. With the easy availability of online portals, checking and paying e-challans in Mumbai is now simpler than ever.

    While you are doing your bit to stay compliant on the road, let us take care of your vehicle’s protection. Whether you are looking for comprehensive car insurance or need guidance on the best coverage options, our experts are here to help. Get personalised car insurance advice tailored to your needs by simply completing the form available on this page.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • What Are The Traffic Rules in Kolkata?

    by User Not Found | Apr 30, 2024

    Kolkata stands at No. 17 among the biggest and most populous cities in the world, and it is a premium tourist attraction, given its rich cultural and historical heritage. Each year, Kolkata draws millions of visitors and, along with them, the number of vehicles also multiplies. Hence, it is essential to adhere to traffic regulations for a safe driving experience. Understanding and following traffic rules in Kolkata ensures your safety and contributes to the overall efficiency of managing traffic in this beautiful city.

    Traffic Rules in Kolkata

    • Driving side

    In Kolkata, as in the entire country, we drive on the left side of the road, a legacy left by the British colonists.

    • Traffic signals

    It is important to obey traffic signals to maintain order and prevent accidents. Red signifies stop, green indicates go, and yellow signals caution.

    • Speed limits

    Respecting the speed limits specified for various areas is crucial for ensuring safety for yourself and that of others on the road. Speed limits vary across zones, so it's important to be mindful of signage indicating these limits.

    • Seat belts

    Safety should be the top priority; hence, it is imperative to wear your seat belt while driving. Ensure all passengers, regardless of their seating position, have fastened their seat belts correctly.

    • Mobile phones

    Using phones while driving is prohibited unless you have a hands-free device. It's important to avoid distractions and maintain focus on the road.

    • Drunken driving

    Driving under the influence of alcohol or other proscribed substances is strictly prohibited. Make sure to stay sober when you're driving as it is crucial for your safety and the safety of others.

    • Overtaking

    Remember to follow the rules concerning overtaking and do so only when everything appears safe. Use the indicators to convey your intention to overtake.

    • Parking regulations

    To prevent traffic congestion, park in designated areas. Keep in mind that parked vehicles may be towed.

    • Pedestrian crossings

    Ensure to yield to pedestrians at crossings. Use caution in areas with high pedestrian traffic.

    • Documentation

    Always carry your driver’s license when driving as this is a mandatory requirement. Ensure your vehicle has a Pollution Under Control (PUC) certificate. It is mandatory to maintain car insurance coverage for your vehicle, according to Kolkata traffic rules.

  • Traffic Rules in Delhi Every Driver Must Follow

    by User Not Found | Apr 30, 2024

    Updated on 27 Nov 2025

    Delhi’s roads are a nonstop hive of activity, with over 7 lakh new vehicles registered in 2024 alone. The capital’s streets have seen a fresh wave of cars, bikes and scooters. Juggling among honking autos, weaving two-wheelers and crowded lanes is an everyday affair on these roads. Amid this hustle, knowing the traffic rules is not just important for legal reasons, but it is essential for your safety.

    Speed limits in Delhi (as per vehicle type)

    Delhi’s speed limits differ according to vehicle type and road area, with the Traffic Police frequently revising them to suit changing urban conditions.

    Updated speed limits:

    • Cars and light motor vehicles (LMVs): 50 km/h in residential or congested areas, 70–80 km/h on arterial roads and 120 km/h on expressways (where permitted).
    • Two-wheelers: 50–60 km/h in most city areas and up to 70 km/h on wider city roads.
    • Heavy commercial vehicles (HCVs): 40–60 km/h based on route and area.

    A small margin of error (typically 5%) is often accepted, but exceeding the limit may lead to an automatic challan issued via surveillance systems.

    Red light jumping and lane discipline

    Delhi’s intersections are now monitored by AI-powered CCTV cameras, making red-light violations and poor lane behaviour instantly detectable.

    Violations like jumping traffic signals, zig-zag or aggressive lane changes and blocking zebra crossings or box junctions can result in a ₹1,000–₹5,000 fine and licence suspension. In serious cases, even short-term imprisonment is given.

    Parking and no-parking rules

    Illegal parking contributes to congestion and poses safety hazards. In Delhi, never park near intersections, pedestrian crossings, driveways or bus stops. Also, avoid double-parking or stopping in narrow lanes. Penalties for parking violations can range between ₹500–₹1,500. Vehicle towing and additional release charges may be levied if your parked vehicle obstructs traffic.

    Even a short stop in a no-parking zone can cost you, so always look for signage or designated parking bays.

    E-challan system in Delhi

    The e-challan system in Delhi is a completely digital process that helps drivers check, pay and manage their traffic fines without visiting a traffic police station.

    How it works:

    • Violations are detected via CCTV or handheld e-challan machines.
    • An e-challan is automatically generated and linked to the vehicle number.
    • You’ll receive an SMS alert (if your mobile number is registered).
    • The challan is uploaded to official portals for online payment.

    Where to check and pay e-challans:

    • Parivahan Sewa Portal
    • Delhi Traffic Police Website
    • Mobile apps or Delhi police apps like Tatpar.

    Note: Fines must be paid within 60 days to avoid late fees or legal action.

    Documents required while driving in Delhi

    Always keep the following valid documents with you, either in physical form or digitally stored in DigiLocker or mParivahan:

    Not carrying these can result in fines of ₹1,000-₹5,000, and repeated violations can lead to licence suspension or vehicle seizure.

    Penalties for common traffic violations (2025 updated fines)

    Here is a glance at the updated fines in Delhi as per the Motor Vehicles (Amendment) Act, 2019, enforced in 2025:

    Violation

    Penalty

    Driving without a licence

    ₹5,000

    Overspeeding (LMV)

    ₹1,000–₹2,000 + possible licence seizure

    Drunk driving

    ₹10,000 + up to 6 months in jail

    Not wearing a seatbelt or helmet

    ₹1,000

    Using a mobile phone while driving

    ₹5,000

    Driving without valid car insurance

    ₹2,000 (1st), ₹4,000 (repeat offence)

    No PUC certificate

    ₹10,000 + potential court summons

    Signal jumping or rash driving

    ₹1,000–₹5,000 + licence suspension possible

    Dangerous driving  or racing

    ₹5,000–₹10,000 + up to 1 year imprisonment

    Delhi Traffic Police updates penalties regularly, so always check their official portal for the latest details.

    Conclusion

    Understanding and adhering to Delhi traffic rules are crucial for fostering a safe and efficient transportation system. In addition to following these traffic rules, all vehicle owners must ensure they have proper four-wheeler insurance coverage for comprehensive protection on Delhi's roads.

    While you are doing your part to drive responsibly, let us help you stay protected on the road. From assistance in picking the right car insurance policy to upgrading to comprehensive car insurance, we have got you covered. Simply fill out the quick form on this page, and our experts will guide you with personalised advice based on your vehicle, driving habits and budget.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Paying eChallan in Delhi: A practical guide!

    by User Not Found | Apr 30, 2024

    Updated on 2 Dec 2025

    Managing traffic fines in Delhi has become easier because of the eChallan system. Since it works by integrating traffic enforcement cameras, RTO databases and digital payment platforms, paying the fine online is quick and simple. You can also pay it in offline mode.

    Let’s find out when these challans get issued, how to pay them and much more in this blog.

    Reasons you might get an eChallan in Delhi

    An eChallan is issued for violating the following traffic rules:

    • Jumping the red lights.
    • Driving without a valid car insurance, an RC or a driving licence.
    • Rash driving or overspeeding the vehicle.
    • Parking the car at a no-parking location.
    • Talking on the smartphone while driving.
    • Driving without a seatbelt or a helmet.

    Steps to pay eChallan in Delhi

    Follow these easy steps to pay for your eChallan online:

    • Go to the Parivahan eChallan website.
    • Enter your eChallan number or vehicle number.
    • The page will show all the details, such as the registration number, owner’s name and complaints attributed to the challan.
    • Pay the fine with a debit or credit card, internet banking facilities or UPI, as available on the platform.
    • After paying successfully, download a copy of the receipt and acknowledgement with a transaction ID for tracking. Make sure to store this data safely for future use.

    If you prefer the offline payment mode, follow the steps below:

    1. Visit the nearest Delhi Traffic Police office or the traffic circle mentioned in your challan.
    2. Provide your challan number, vehicle registration number or driving licence for verification.
    3. Pay the fine in cash or via card (if available) at the counter.
    4. Get a stamped receipt as proof of payment for future reference.

    Additional tips regarding traffic challan in Delhi

    When you have received an eChallan, there are some crucial things you should keep in mind:

    • Pay the fine before the due date to avoid additional penalties, court summons or other legal issues.
    • Make sure to keep a copy of all the pay receipts to avoid any future issues.

    Importance of having car insurance for driving in Delhi

    In India, having third-party insurance for every vehicle is mandated by law. It protects you against liabilities arising from the injuries caused to others or damage to their properties by your insured vehicle. Driving without it can lead to legal problems and even heavy penalties. However, if you have a comprehensive car insurance policy, it will also cover your vehicle, apart from third-party liabilities.  

    Conclusion

    Paying the eChallans in Delhi is not that difficult. You can get it done via various online portals. However, you should follow best driving practices, following the traffic rules and regulations to avoid any fines.  This is because eChallans can negatively impact your car insurance premiums.

    While you pay attention to the road rules and regulations, let us take the initiative to protect you on the road with car insurance. Fill out the form on this page to get tailored insurance solutions for your vehicle.

    FAQ

    • What happens if you don’t pay the challan?

    Failing to pay the challan before the deadline can lead to much higher fines, court summons and also licence suspension.

    • What details are used to issue an eChallan?

    An eChallan is issued using details such as the vehicle registration number, driving licence information and violation evidence from CCTV footage or speed cameras. These records help identify the offender and generate the fine digitally.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • Checking the status of your eChallan in Delhi: Steps to follow

    by User Not Found | Apr 30, 2024

    Updated on 24 Dec 2025

    Delhi has strict traffic regulations that have been enforced to ensure road safety. When you break these rules, you might get an eChallan. This is an electronic traffic challan, which is issued by the Delhi Traffic Police. It’s issued to the violator with the vehicle number and the driving licence details. If you get an eChallan, it's crucial to clear all the dues within the given time.

    These days, checking the eChallan status in Delhi has become simpler and faster than before due to online systems. Let’s acquire more information on it from this blog. 

    Reasons you might get an eChallan in Delhi

    The traffic police in Delhi might issue an eChallan for the following traffic rule violations:

    • Driving without proper documents, such as a valid car insurance, an RC and a licence.
    • Parking the vehicle in no-parking zones.
    • Using a phone while driving.
    • Jumping the traffic signals.
    • Not wearing a seatbelt or helmet.
    • Rash driving or over-speeding.

    These violations are captured via CCTV cameras and automatically documented with the traffic monitoring systems.

    Steps to check eChallan status in Delhi

    Here are the key steps to check your eChallan status and stay informed about any violations you may have caused in the bustling metropolitan of Delhi:

    • Visit the official eChallan Parivahan
    • On the website, input your vehicle’s registration number to access the challan information.
    • You will get essential details like the date and time of the challan issuance, the type of violation committed, the location where it occurred and the payable amount.

    The simple online process empowers vehicle owners to stay informed about eChallans and promptly address pending fines, ensuring compliance with traffic regulations and safety norms.

    Additional tips regarding traffic challan in Delhi

    When you want to manage the traffic challan properly, you should follow these tips:

    • Always pay challans on time to avoid any legal issues.
    • You should keep all the vehicle-related documents updated, such as the pollution certificate, vehicle insurance, etc.
    • You can also pay the eChallans at the authorised banks and traffic police stations.
    • Keep all the digital copies of the payment receipts for future reference.

    Importance of having car insurance for driving in Delhi

    Driving without proper vehicle insurance is a punishable offence in India. Apart from that, it also leads to many financial risks to the driver in case of an accident. Vehicle insurance will not just let you avoid all the challans but also safeguard you from medical costs, third-party liabilities and damages. You can easily obtain and renew car insurance online and stay legal on the road.

    Conclusion

    Checking the eChallan status has become easier due to the presence of online portals. This helps you pay the fine on time and avoid legal troubles. Also, an unpaid eChallan can impact your vehicle insurance premiums, potentially causing them to rise. This is because traffic violators are considered high-risk drivers by insurers. It may also reduce your No Claim Bonus (NCB) in car insurance in the future. So, it is important to keep track of your eChallans and pay them on time.

    While you focus on legal driving habits, let us handle your safety on the road. Get personalised car insurance advice and solutions by filling out the form on this page today.

    FAQ

    • Is it possible to pay the eChallan in cash?

    Yes. You can pay for the eChallan via cash at an authorised collection centre or traffic police station.

    • What happens if the challan is not paid?

    All unpaid challans will lead to court summons, licence suspension and even additional penalties.

    • Can people challenge a wrong challan?

    Yes. Vehicle owners have the right to dispute at the traffic police station or on the Parivahan portal for a wrong eChallan with evidence.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

  • What Are Informative Traffic Signs in India?

    by User Not Found | Apr 30, 2024

    In the vibrant tapestry of Indian roadways, informative traffic signs play a pivotal role as silent guardians of road safety, guiding drivers, cyclists and pedestrians through the intricate streets. This blog explores their significance, unravelling the stories of regulation, caution and the pursuit of a safer transportation network.

    Cautionary Traffic Signs

    Cautionary signs warn drivers of potential hazards and on-street dangers. These signs include:

    • Alert for Curves:

      Indicates impending turns on the roadway.
    • Intersection Warning:

      Notifies vehicles that a junction is approaching.
    • Signs for Pedestrian Crossings:

      It signifies areas for pedestrian crossings.
    • School Zone Sign:

      Alerts drivers to nearby educational facilities and speed restrictions.
    • Animal Crossing Sign:

      Indicates where animals are allowed to cross.
    • Falling Rocks Sign:

      Be careful of falling stones or anything else that falls.

    Informatory Road Signs

    Informatory signs are crucial in providing drivers with essential information about facility areas, even if they are unfamiliar with maps. These signs include:

    • Destination Sign:

      Guides drivers to specific locations.
    • Direction Sign:

      Provides directional information for travellers.
    • Re-Assurance Sign:

      Gives tourists confidence in their journey and reinforces the right direction.
    • Place Identification Sign:

      Identifies precise places for reference.
    • Public Telephone:

      Indicates the presence of a public phone for emergency use.
  • What Are Mandatory Traffic Signs In India?

    by User Not Found | Apr 30, 2024

    Exploring the streets of India demands a comprehensive understanding of the rules that govern our roads. One pivotal aspect of road safety is deciphering the significance of mandatory traffic signs. Directing and regulating traffic, these visual cues are pivotal in maintaining a secure and organized traffic flow on the roads of India. In this blog, we unravel the essence of mandatory traffic signs, shedding light on their importance and their vital role in navigating the diverse landscapes of India’s traffic system.

    Mandatory Traffic Signs

    These signs are obligatory for traffic using a specific road area. They indicate what one must do rather than what one must not do. Mandatory road signs are generally round with a red border. 

    The mandatory traffic signs in India, along with their meaning, are as follows:

    • Stop

    Drivers have to immediately stop after seeing this sign.

    • Give Way

    Indicates the traffic gives way to fellow traffic on the right.

    • Straight Prohibitor No Entry

    Shows that the area is restricted 

    • Pedestrian Prohibited 

    Shows that an area is prohibited from walking

    • Horn Prohibited

    Shows that an area is restricted from honking

    • No Parking

    Shows that parking is restricted in the area. 

    • No Stopping or Standing

    Indicates that no person or vehicle can stop or stand in an area.

    • Speed Limited

    Shows the maximum speed limit to be followed by drivers 

    • Right-Hand Curve

    Alerts the driver about a right-hand curve.

    • Left Hand Curve

    Alerts the driver about a left-hand curve.

    • Right Hairpin Bend

    Indicates a sharp right turn.

    • Left Hairpin Bend

    Indicates a sharp left turn.

    • Narrow Road Ahead

    Alerts the driver about a narrow road.

    • Narrow Bridge

    Alerts the driver that there is a narrow bridge on the road ahead.

    • Pedestrian Crossing

    This sign shows that pedestrians can cross the road.

    • School Ahead

    Alerts the driver that there is a school nearby.

    • Round About

    Indicates the driver that there is a circular intersection.

    • Dangerous Dip

    Alerts the driver about a sharp dip nearby.

    • Hump or Rough

    Alerts the driver about a hump or rough nearby.

    • Barrier Ahead

    Alerts the driver about a barrier in the road ahead. e.g. Tolls

  • Everything you need to know about RFID technology in FASTag

    by User Not Found | Apr 30, 2024

    Updated on 14 Dec 2025

    With the rise of digital payments and automated toll collection, FASTag has become an essential component for vehicles on Indian highways. It uses Radio Frequency Identification (RFID) technology to facilitate seamless toll transactions without needing to stop the vehicle. Understanding the RFID tag and its functions helps drivers manage toll payments efficiently.

    The RFID tag: FASTag

    FASTag uses RFID technology to transmit data between the tag and the RFID reader at the toll booth. The tag, fixed on a vehicle’s windscreen, is linked to the vehicle owner’s prepaid account or bank wallet. When the vehicle passes through a toll plaza, RFID readers scan the tag, verify details on the National Electronic Toll Collection (NETC) system and automatically deduct the applicable toll, eliminating the need for cash transactions.

    How does RFID work in FASTag?

    RFID technology in FASTag operates on radio waves to communicate between the tag and the toll plaza RFID reader.

    When a vehicle with the tag comes to the toll plaza, the RFID reader there emits radio signals. The RFID tag receives the signal and responds by transmitting its unique identification details, which are linked to the vehicle owner’s prepaid account or bank wallet. The toll system verifies the account and deducts the applicable fee automatically. Once the payment is confirmed, the barrier gate opens, allowing the vehicle to pass through without stopping.

    This process reduces congestion at toll plazas and enables faster, cashless travel.

    Benefits of RFID in FASTag

    The RFID system in FASTag provides several advantages for vehicle owners:

    • Time-saving: No need to stop for cash transactions.
    • Convenience: Automatic toll deductions linked to your account.
    • Transparency: All toll transactions are recorded digitally.

    Conclusion

    The RFID technology is the backbone of FASTag, enabling cashless, contactless toll transactions across highways in India. Its functionality enhances efficiency, reduces travel delays and simplifies toll management.

    While you ensure smooth travel by installing FASTag in your vehicle, let us take the effort ot make your drives protected with a car insurance policy.  Get tailored vehicle insurance advice by filling out the form provided on this page.

     

    FAQs

    • What is an RFID tag in a vehicle?

    An RFID tag, like the FASTag, in a vehicle is a small electronic device affixed to the windscreen that uses radio frequency signals to communicate with toll plaza readers.

    • Do all vehicles require FASTag?

    Yes, as per government norms, all vehicles on national highways are required to have a FASTag for toll payments.

    • Can I transfer an RFID tag to a new vehicle in India?

    No, you cannot transfer an RFID FASTag from one vehicle to another in India. Each FASTag is uniquely linked to a vehicle’s registration number and account details. If you purchase a new vehicle, you must apply for a fresh FASTag for that specific registration number.

     


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Error message here