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  • How to Stick FASTag on Car Windshield?

    by User Not Found | Apr 30, 2024

    A FASTag is a sticker meant for four-wheelers in India that allows you to pay toll fees digitally on the highways. The sticker has an RFID circuit that the toll booth scanner reads and charges the digital wallet linked to the tag. This article will explain how to stick FASTag in car.

    How to Stick FASTag? 

    Once you obtain your tag, you may be interested in knowing how to stick FASTag on car windshields. It is straightforward, like sticking any other sticker on your car’s windscreen. These are the steps on how to stick FASTag in car windshield interiors:

    Step 1:

    Wash the windscreen with a damp cloth to eliminate dust.

    Step 2:

    Pull off the adhesive film from the sticker.

    Step 3:

    Affix the FASTag on the inside of your car. Ensure the adhesive side is towards the outside when you affix the sticker.

    Step 4:

    Touch the sticker gently to ensure it is appropriately affixed.

    Note: Do not attempt to detach or relocate the sticker after affixing it in one place. Doing so can impair the RFID circuit on the FASTag sticker.

  • What is the cost of a BH number plate?

    by User Not Found | Apr 30, 2024

    Updated on - 05 Jan 2026

    The Bharat Series (BH) number plate is part of a centralised vehicle registration system launched by the Ministry of Road Transport and Highways. This registration system aims to make car ownership easier for those who move between states regularly, since moving from one state to another used to require re-registering the vehicle. The BH number plate ensures compliance with transport rules by offering a single, nationally recognised registration.

    Let’s take a closer look at the features and cost of the BH number plate.

    What is a BH number plate?

    Introduced in 2021, a BH number plate, or Bharat Series number plate, is a vehicle registration plate issued by the Indian government for non-transport vehicles. The following category of vehicle owners is eligible for this registration plate:

    • Government employees: Individuals employed by the central or state government.
    • Defence personnel: Members of the armed forces.
    • Private sector employees: Those working in private firms with offices in four or more states or union territories.

    With the BH number plate, these people can avoid the complex process of registering and re-registering every time they move from one state to another.

    Features of the BH series number plates

    The BH number plate offers several features that make vehicle registration simpler and more efficient for owners, such as:

    • The BH number plate remains valid throughout India, eliminating the need for re-registration when moving to a new state.
    • Vehicle owners can save significant time as they no longer have to undergo repeated re-registration processes during relocations.
    • In the event of accidents, theft or other mishaps, authorities can quickly identify the vehicle owner using the BH series registration.
    • The system standardises and streamlines vehicle registration, helping prevent duplication, corruption and other issues related to manual processes.
    • The road tax is paid on a pro-rata basis for two years at a time, making it convenient for those who change states frequently.
    • It applies only to non-transport vehicles, ensuring a clear distinction from commercial registrations.

    BH number plate format

    The BH number plate follows a specific alphanumeric format:

    YY BH #### XX

    Where,

    • YY: Last two digits of the registration year.
    • BH: Denotes the Bharat series.
    • ####: A random four-digit number.
    • XX: Two alphabets serving as a unique identifier.

    For example, a BH series number plate might read as '24 BH 1234 AB,' indicating a vehicle registered in the year 2024.

    What is the cost of a BH number plate?

    The cost of the car determines the fees for the BH series license plates. The Bharat series registration has a transparent and uniform fee structure. The charges are displayed in the table below according to the vehicle’s invoice price:

    Vehicle Invoice Cost

    BH Series Number Plate Cost (% of Vehicle Cost)

    Less than ₹10 lakhs

    8%

    ₹10 lakhs to ₹20 lakhs

    10%

    More than ₹20 lakhs

    12%

    It is important to note that diesel vehicles incur an additional 2% charge, while electric vehicles receive a 2% reduction.

    Renewal and validity details of the BH number plates

    The BH registration continues to be valid as long as the road tax is paid on time and other regulatory compliances, such as insurance and pollution certificates, are maintained.

    Under the BH series, the road tax is paid for an initial period of two years from the date of registration. After this, vehicle owners can renew the tax in multiples of two years, such as four, six or eight years, depending on their preference. Once the vehicle completes 14 years, the renewal is done annually instead of in two-year blocks.

    The renewal process can be finished in just a few simple steps:

    1. Go to the official Ministry of Road Transport and Highways portal (Parivahan Sewa) to begin the renewal.
    2. Click “Pay Your Tax” under “Online Services” and select the state where the vehicle was first registered.
    3. Provide the last five digits of your chassis and registration number. The portal will show your vehicle details, including any outstanding road tax.
    4. Choose the payment term, such as two years or multiples of it, like four or six years, and complete the payment. After confirmation, the updated due date will be reflected on your account.
    5. The portal updates your renewal status and provides the next payment date for your records.

    BH number plate vs regular number plate: What’s the difference?

    The BH series number plate system is designed to make vehicle ownership easier and more flexible for those who travel or move between states often. It offers benefits like uniform vehicle management and simplified processes across India.

    The table below shows the key differences between a regular number plate and a BH series number plate.

    Feature

    BH Number Plate

    Regular Number Plate

    Mobility

    Allows unlimited transit between states without re-registration.

    Requires re-registration when moving to a new state.

    Format

    Standardised format nationwide (e.g., 24 BH 3456 MN).

    Different designs and layouts for each state.

    Taxation

    Road tax can be paid in instalments every 2 years.

    Road tax is paid as a lump sum, often for many years.

    Travel Ease

    Simplifies interstate travel by removing registration hassle.

    More paperwork and delays when travelling between states.

    Ownership convenience

    Convenient for people who relocate frequently due to work or other reasons.

    More suited for owners remaining mainly in one state.

    How does a BH number plate affect your car insurance?

    A BH number plate does not have any direct impact on your car insurance policy. Insurers continue to calculate premiums based on factors such as the vehicle’s make and model, age, engine capacity, location of registration, Insured Declared Value (IDV) and the policyholder’s claims history. The presence of a BH registration number does not alter these criteria.

    One advantage of the BH series is the ease of insurance portability. Since the registration remains valid nationwide, policyholders can maintain their existing car insurance policy even after relocation. There is no need for re-registration or modification of the insurance documents, which reduces additional paperwork and expenses.

    It is also important to note that BH number plate holders must comply with the same mandatory insurance requirements under the Motor Vehicles Act, 1988. Every car must have at least a third party car insurance plan, while comprehensive car insurance remains optional but highly recommended for broader protection. If you need personalised advice, fill out the form provided on this page, and let our experts guide you.

    Conclusion

    Car ownership and registration in India are made easier and more convenient by the BH number plate. It allows for easy interstate travel, reduces paperwork and offers flexible road tax payments in instalments. Professionals in the public, military and private sectors who hold jobs that can be transferred benefit from simple registration and compliance with regulations. For those who meet the eligibility criteria, going for a BH number plate is a practical choice for convenience and flexibility.

    FAQs

    1. Is it possible to move a BH license plate to a different car?

    No, license plates cannot be moved to another car because they are associated with a particular vehicle.

    2. Can commercial vehicles use the BH license plate?

    No, BH number plates are only available for non-transport (private) vehicles, not commercial or transport vehicles.

    3. Do I need to update my address with a BH number plate?

    Yes, while the registration is nationwide, you should update your address with the transport authorities if you move to a new state.


    Disclaimer: This blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

  • BH number plate format and its advantages for car owners

    by User Not Found | Apr 30, 2024

    Updated on 1 Dec 2025

    When you buy a vehicle, one of the first things you have to get is the number plate. A number plate is important as it shows where your vehicle was registered and makes it official on the road. For people who move from one state to another, the normal state-based plates often create problems like re-registration, paperwork and extra charges.

    To solve this issue, the BH (Bharat) series number plate was introduced. In this blog, we will look at the format of the BH number plate and its benefits.

    BH number plate format

    The format of a BH number plate looks slightly different from the usual state number plates. A normal plate starts with the code of the state, like MH for Maharashtra or DL for Delhi. But in a BH plate, the format is:

    “YY BH #### XX”

    Here’s what it means:

    • YY: The year when the vehicle was registered.
    • BH: This is a common code for Bharat (India), used across all states.
    • ####: These are four random numbers, given by the system.
    • XX: These are two random letters, again given by the system.

    So, if your car was registered in 2023, your plate may look like: 23 BH 4567 AB.

    This system makes it simple because you don’t need to worry about which state you are in. The same BH number plate is valid across the whole country.

    Pros of the BH registration number plates

    The BH number plates bring many benefits, especially for people who need to move between states. Some of the main advantages are:

    • Simplified vehicle registration process.
    • Nationwide validity without additional permits or re-registration.
    • Cost savings from eliminating re-registration fees.

    While the BH plate makes vehicle movement easier across states, it’s equally important to protect your car from risks on the road. Choosing comprehensive car insurance ensures that you are covered for accidents, theft and damage, no matter where you drive in India.

    Conclusion

    The BH number plate format is a simple yet effective change. It allows car owners to move freely from one state to another without worrying about re-registration. The uniform design, convenience and cost savings make it a very practical option. For people who travel or shift often due to their work, the BH plate is especially helpful.

    While you take steps to make vehicle ownership easier with the right number plate, don’t forget to protect your car with four wheeler insurance as well. To get simple and useful guidance, just fill out the form on this page and receive car insurance advice suited to your needs.

    FAQs

    •  Who can apply for a BH number plate?

    The BH number plate is only applicable to non-transport vehicles.

    •  Is the BH number plate valid everywhere in India?

    A BH plate is accepted across all states and union territories in the country.

    •  What does “BH” mean on the plate?

    “BH” stands for Bharat, which represents India.

    •  Is the format of the BH number plates always the same?

    Every BH plate follows the format “YY BH #### XX”, where the year, numbers and letters change, but the style stays the same.

     


    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.

  • Disadvantages of the BH number plates

    by User Not Found | Apr 30, 2024

    Updated on - 13 Jan 2026

    The Bharat (BH) number plate system aims to simplify vehicle registration for people who move frequently between states. It allows nationwide validity without the need for re-registration in a new state. While the idea sounds convenient, several practical issues have surfaced for vehicle owners. Many have realised that the process, though beneficial on paper, comes with hidden complications that affect ownership, resale and other aspects of vehicle management. Before deciding on a BH registration, it is essential to understand these disadvantages and how they can influence long-term vehicle use and related responsibilities.

    Drawbacks of Bharat Series plates

    Some of the disadvantages of having a BH number plate are:

    • Limited eligibility

    Currently, only bank employees, members of the armed forces, government officials and employees of private companies with offices spread throughout several states or union territories are eligible to use the BH number plate. Therefore, only some car owners can benefit from the BH series.

    • Transport vehicles excluded

    Only passenger cars are eligible for the BH number plate. Buses, cabs and trucks are unsuitable for the BH series. It reduces the range of convenience that BH number plates have to provide.

    • Complications in vehicle resale and ownership transfer

    Selling a vehicle with a BH number plate is often more complex than selling one with a regular registration. Since BH numbers follow a separate tax and registration system, selling to a non-eligible buyer requires converting it to a state registration, a process involving extra paperwork, costs and delays. Limited awareness about the transfer process also makes buyers hesitant, often lowering resale value and slowing the sale.

    • Limited acceptance in certain states

    BH-series number plates have limited eligibility in certain states, such as Karnataka, especially for private sector employees. This is because of how local authorities interpret eligibility rules. While widely available across many states, some jurisdictions have delayed implementation or added restrictions, which can create confusion around taxes, registrations and transfers.

    • Renewal and re-registration challenges

    Under the BH number plate system, road tax is paid every two years instead of a one-time payment. While convenient, delays in online renewal can lead to penalties. Relocating to states that haven’t fully adopted the BH system may require extra verification or paperwork, causing confusion and defeating its seamless purpose. For vehicle owners who anticipate more seamless digital control, this circumstance may result in needless worry.

    • Impact on vehicle insurance policies

    Car insurance might sometimes become problematic for people with BH registration. Some insurers have complained about delays or uncertainty when changing vehicle details under the BH format, particularly when renewing or transferring insurance. This may impact policy modifications or claim settlements. Not all companies are familiar with the BH format, making the right choice crucial.

    If you need help finding the best insurance for your BH vehicle, fill out the form on this page, and we’ll help you get a policy that fits your vehicle, coverage and budget.

    Conclusion

    Although some practical challenges remain, the BH number plate system has the potential to simplify car ownership in India. Understanding its benefits and drawbacks can help owners avoid legal or financial issues related to car insurance, whether it's comprehensive or third party car insurance. While the concept is strong in theory, successful nationwide implementation will require greater coordination and consistency across states.

    FAQs

    1. Can I apply for a BH number plate if I am self-employed?

    No, only government employees and private company workers with offices in multiple states are eligible for BH registration.

    2. What happens if I move to a state that does not accept BH number plates?

    You may need to convert your BH registration to a regular state registration before renewal or local verification.

    3. Can I sell my BH-registered car to someone who is not eligible for BH registration?

    Yes, but you must first change the number plate to a regular state registration, which involves extra paperwork and fees.


    Disclaimer: This blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

  • Difference between HSRP and normal number plate

    by User Not Found | Apr 30, 2024

    Updated on - 31 Dec 2025

    Choosing the right number plate might not seem important at first, but it can affect your safety, compliance and even how easily your vehicle can be tracked if something goes wrong. With HSRP becoming more common, many people wonder whether it truly offers better protection than a normal number plate. Understanding these differences helps you avoid fines, support safer roads and make informed decisions.

    This blog breaks it down clearly and also explains how you can apply for car insurance online.

    HSRP vs. normal number plate: Unveiling the key differences

    There is a big difference between an HSRP and a normal number plate. The differences have been listed and discussed below in detail:

    Features

    HSRP number plate

    Normal number plate

    Material

    Made of aluminium and non-reusable

    No fixed material; reusable

    Replacement

    Must contact a registered retailer for a new plate

    No such restriction

    Security mark

    Includes a chromium-based Ashoka Chakra

    Not mandatory

    Laser-encoded pins

    Present; improves security and prevents tampering

    Not available

    Colour-coded stickers

    Mandatory; shows fuel type and other details

    Not included

    Why is HSRP mandatory in India?

    HSRP is mandatory in India because it improves vehicle safety and identification. The plate’s unique, tamper-resistant design makes it difficult to remove or misuse on another vehicle, which helps prevent number plate theft. It also supports faster tracking, allowing police to identify vehicles more efficiently during accidents or criminal activities. By standardising number plates, HSRP helps authorities maintain accurate records and strengthens overall road safety for both drivers and the public.

    Benefits of using HSRP plates

    HSRP plates offer stronger security because they cannot be easily removed, reducing the risk of number plate theft. Their unique laser-etched code helps police track vehicles more efficiently, especially during incidents or investigations. The clear, standardised design improves road safety by making number plates easy to read from a distance.

    Since HSRP plates are government-approved, using them also helps you avoid fines. They further support quicker identification of stolen vehicles, adding an extra layer of protection for your car.

    How to identify a genuine HSRP plate

    To check if an HSRP plate is genuine, look for a laser-engraved code in the upper left corner that cannot be removed. The plate should be made of sturdy aluminium and feel solid, not flimsy. A true HSRP also has a snap-lock that cannot be reopened once fixed. The numbers and letters will appear clear, uniform and properly aligned. If any of these elements seem loose, poorly printed or missing, the plate may not be authentic.

    How to apply for an HSRP number plate online

    To apply for an HSRP number plate online, visit your state’s official HSRP website and select the option to apply or register. Enter your vehicle number and owner details, then upload the required vehicle documents and ID proof. Choose an installation centre and pick a time slot. Pay the fee online through card or UPI.

    Keep the reference number, visit the centre on the selected date, get the HSRP fitted and collect the receipt for future checks or warranty.

    Impact of HSRP on vehicle safety and theft prevention

    HSRP plates improve vehicle safety by using durable material and a design that is difficult to remove or tamper with. Each plate carries a unique laser-engraved code, helping police track a vehicle quickly if it is stolen. Unlike normal plates that can be replaced or duplicated easily, HSRP plates are hard to copy, reducing the risk of theft and fake number plates. This strengthens overall vehicle security and supports safer roads for everyone.

    Role of HSRP in vehicle insurance claims

    HSRP plates make it easier for insurers to verify your vehicle’s identity during a claim. Since the number plate is secure and tamper-proof, it reduces the chances of disputes or confusion, even if you only have third party car insurance. This helps insurers process claims more quickly and accurately. In case of an accident or theft, a genuine HSRP allows faster verification, saving time and reducing stress during the claim process.

    HSRP number plate cost and installation process

    HSRP number plates are generally affordable, with the exact cost varying by vehicle type. To get one, you book it online through your state’s official HSRP portal and select a nearby fitment centre. On your chosen date, you visit the centre where the staff install the plate and sticker. The process is quick, straightforward and ensures your vehicle meets safety and security standards.

    Conclusion

    Choosing between an HSRP and a normal number plate is really about how much value you place on safety and peace of mind. An HSRP gives your vehicle stronger protection against theft and ensures your details are always easy to verify, which can save you time and trouble in unexpected situations. When you pair this with the right car insurance, you create a more secure driving experience overall. If you want personalised advice on choosing the right car insurance plan, fill out the form on this page and get support tailored to your needs.

    FAQs

    1. What happens if I continue using a normal number plate instead of an HSRP?

    You may have to pay fines during traffic checks, and in some states, your vehicle may not pass verification without an HSRP. It can also make theft-related investigations harder.

    2. Can HSRP plates help during emergencies like accidents?

    Yes, because HSRPs have clear, standardised fonts and a unique code, authorities can quickly identify your vehicle, which can speed up assistance and documentation.

    3. Does installing an HSRP affect my vehicle resale value?

    It can. Buyers often prefer vehicles with HSRP plates since they reflect updated compliance, better security and fewer legal hassles during transfer.


    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.

  • Penalties for not having HSRP number plates in India

    by User Not Found | Apr 30, 2024

    Updated on 14 Dec 2025

    High-Security Registration Plates (HSRP) have become mandatory for most vehicles across India. Understanding what this means for you is important. These plates are designed to prevent vehicle theft and number plate tampering, helping to ensure your vehicle’s security. Additionally, having a compliant HSRP helps you avoid penalties and complications with traffic authorities or insurance claims.

    This guide will provide you with essential information about HSRP, its significance and the steps to ensure your vehicle meets the requirements.

    What is a high-security registration plate (HSRP)?

    A High-Security Registration Plate (HSRP) is a specially designed vehicle number plate introduced by the Ministry of Road Transport & Highways. It is made from durable materials and includes security features such as a tamper-proof snap lock, a hologram and a permanent identification number.

    Additionally, it displays a fuel-type colour-coded sticker, making the plate more secure and easier to trace compared to traditional number plates.

    Is HSRP mandatory in India?

    Yes, HSRP is mandatory in India. According to the Central Motor Vehicle Rules and Ministry of Road Transport & Highways (MoRTH) guidelines, all vehicles must be fitted with an HSRP number plate.

    Vehicles registered after a certain date, typically post-2019 in many states, receive HSRP plates by default. Older vehicles are required to be retrofitted with these plates. Enforcement varies by state, but many have been directed to ensure compliance.

    Penalties for driving without the high-security registration plate

    Having a high-security registration plate along with colour-coded stickers is mandatory for all. Not having an HSRP would be considered a violation and punishable with fines. The fine for not having an HSRP number plate is as follows:

    • It can be INR 5000 in some cases where the violation isn't too bad.
    • A high-security number plate fine can go up to INR 10000 if the violation is too high.
    • Depending on the state and union territory where the violation occurs, the fines can still vary.
    • Also, the fines can either go up or down depending upon upcoming reforms and amendments.

    Other consequences of not having HSRP

    Not having an HSRP number plate can lead to several consequences beyond fines. Vehicle owners may face delays or denial of registration and transfer services at Regional Transport Offices (RTOs). Additionally, traffic authorities may stop or even impound vehicles without compliant plates.

    There can also be complications with insurance claims, especially if the number plate does not meet regulatory standards. It is important to check with your insurer to understand specific requirements and avoid potential claim issues.

    How to avoid penalties?

    To avoid penalties, apply for an HSRP number plate as soon as possible using authorised platforms like BookMyHSRP. Ensure the plate is installed by an authorised vendor with approved materials and snap locks.

    Keep all related documents, including proof of HSRP installation and vehicle registration. Avoid delaying the installation to prevent legal issues or fines.

    How to apply for a high-security registration plate in India?

    To apply for a high-security registration plate in India, visit the authorised BookMyHSRP platform or your state transport authority’s website. Select your state and enter your vehicle registration number, engine number and chassis number.

    Choose an installation center or authorised vendor. Pay the applicable fees online through net banking, card or UPI. Finally, book an appointment, visit the center with your vehicle documents and get the plates installed.

    Conclusion

    Driving without HSRP plates in India not only risks fines and legal trouble but can also complicate insurance claims, leaving you vulnerable in case of accidents. Ensuring your vehicle has a valid HSRP plate is a simple yet crucial step to stay compliant and protect yourself from unnecessary risks.

    In addition to staying legally compliant with your number plate, it's equally important to have a valid car insurance policy in place. This policy provides financial coverage in case of accidents, damage or other liabilities.

    One commonly chosen cover is the third-party car insurance plan, which specifically helps cover injury or damage caused to others. Together, these measures keep you and your vehicle protected.

    If you need guidance on selecting the right insurance policy or understanding the plan that suits your needs best, fill out the form on this page for expert advice.

    FAQ

    1. Can the penalty amount vary by state?

    Yes, penalties for not having an HSRP plate can vary based on the state or union territory. While many states impose a ₹5,000 fine for the first offence and ₹10,000 for repeated violations, it’s best to check with the local transport authority for the exact penalty structure.

    2. If my vehicle is new and already has these plates from the manufacturer, do I still need to apply?

    No. If your vehicle was registered recently and already comes fitted with a valid HSRP and the appropriate fuel-type colour-coded sticker, you generally don’t need to reapply. However, ensure the plate meets all current state and MoRTH guidelines.

    3. Will my insurance claim be rejected if I don’t have HSRP plates?

    It depends on the insurer. It's advisable to read your policy documents carefully or check with your insurer for clarity.

    4. What should I do if the HSRP gets lost or damaged?

    You can apply for a duplicate plate through the official BookMyHSRP portal or an authorised vendor. If it’s lost due to theft, it’s recommended to file an FIR before requesting a replacement.

     


    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 is an HSRP Colour-Coded Sticker?

    by User Not Found | Apr 30, 2024

    Updated on 10-04-2025

    In recent years, the Indian government has implemented several measures to enhance vehicle identification and promote environmental awareness. One such initiative is the introduction of High-Security Registration Plates (HSRP) accompanied by colour-coded stickers. These components not only ensure safer roads but also provide clear indicators of a vehicle's fuel type and compliance with emission norms. This blog discusses the specifics of HSRPs and their associated colour-coded stickers, along with the process of getting an HSRP sticker for your vehicle.

    What is an HSRP?

    HSRP stands for High-Security Registration Plates incorporating colour stickers. Termed as ‘special,’ these registration plates offer more features than standard ones and boast enhanced security attributes.

    What is an HSRP Colour-Coded Sticker?

    A colour-coded HSRP sticker has a particular function. It provides vital information on the fuel your vehicles use and the emission standards.

    These stickers are affixed to the vehicle's windscreen from the inside and are colour-coded as follows:

    • Blue Sticker: Denotes petrol or CNG vehicles
    • Orange Sticker: Indicates diesel vehicles
    • Green Sticker: Assigned to electric vehicles

     

    Engraving the HSRP always utilises VIN lasers, making it resistant to easy alteration. The HSRP and the colour-coded sticker can cost around INR 1100 and may differ depending on your car’s size and type. 

    Is it Mandatory?

    Yes, the installation of HSRPs and their corresponding colour-coded stickers has been mandated by the Ministry of Road Transport and Highways (MoRTH) for all vehicles registered prior to April 2019. This aims to standardise vehicle identification and promote environmental consciousness.

    At present, the enforcement of this rule is particularly strict in Delhi, Uttar Pradesh, and Himachal Pradesh. Vehicles in these areas found without HSRPs or the appropriate colour-coded stickers are fined. For instance, in Delhi, the traffic police impose a penalty of ₹5,500 on offenders. It is anticipated that other states will adopt similar enforcement measures in the near future.

    Where Can You Get the Colour-Coded Stickers Installed?

    Vehicle owners can obtain HSRPs and the associated colour-coded stickers through authorised channels. The process varies slightly depending on the state:

    • Online Booking: In states like Delhi, Uttar Pradesh, and Himachal Pradesh, owners can book their HSRPs and stickers online via the official portal com. This platform allows users to select their vehicle type, fuel type, and other relevant details to schedule an appointment at a nearby authorised dealer or opt for home delivery, where available.
    • Regional Transport Offices (RTOs): Alternatively, vehicle owners can visit their local RTOs to apply for and obtain the HSRP and colour-coded stickers. It's advisable to check with the respective RTO for specific procedures and requirements.

    Ensuring that the HSRP and stickers are procured from authorised sources is crucial, as unauthorised plates and stickers may not comply with government standards and could lead to penalties.

    What is the Procedure for Installation?

    The installation process for HSRPs and colour-coded stickers is straightforward and designed for user convenience:

    1. Online Application:

      • Visit the official portal bookmyhsrp.com.
      • Choose between 'HSRP with Colour Sticker' or 'Only Colour Sticker' based on your vehicle's current status.
      • Fill in the required details, including vehicle registration number, chassis number, engine number, and owner information.
      • Select your preferred appointment slot and location for getting the HSRP or sticker installed, or opt for home delivery if available.
      • Complete the payment process online and save the acknowledgment receipt.
    2. Appointment and Installation:

      • On the scheduled date, take your vehicle to the chosen dealership or RTO with the necessary documents and the acknowledgment receipt.
      • Authorised personnel will affix the HSRP using non-reusable snap locks and apply the colour-coded sticker on the inside of the windscreen.
      • Ensure that the details on the HSRP and sticker are accurate before leaving the premises.

    It is important to adhere to the scheduled appointment to avoid delays and ensure compliance with the regulations.

    Conclusion

    Due to their usefulness and availability, colour-coded stickers are becoming more popular. In certain states, such as UP and Delhi, you can use your HSRP through online processes. These will ensure adherence to vehicle regulations while also easing other operational steps like car insurance.


    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.

  • Exploring High Security Number Plate Price

    by User Not Found | Apr 30, 2024

    How often does the HSRP number plate cost cross your mind? Do not be concerned if you are not aware of this. Let us help you understand the HSRP price. Let us also show how it contributes to safety and compliance with regulations.

    High Security Number Plate Price

    No vehicle shall be exempt from being installed with an HSRP. The law states as much. Here is a summary of prices, considering the type of vehicle you own.

    • For Two-Wheelers:

    The HSRP for your two-wheeler costs INR 400. The colour-coded sticker comes for another INR 100.

    • For Four-Wheelers:

    The HSRP number plate cost for four-wheelers is around INR 1,100. An additional INR 100 will go for the colour sticker.

    • Variations Across States:

    There could be a minor price difference in the High-Security Number Plate price in different Indian states.

  • Number Plate Rules in India

    by User Not Found | Apr 30, 2024

    You may have to drive often on the bustling roads of India, which can be anywhere within the country’s vast geographical domain. Have thoughts about legal car number plates ever crossed your mind? The number plate on vehicles is not just a string of decorative characters – it is a legal identifier. Let us understand the rules that govern these essential tags on our vehicles.


    Vehicle Number Plate Rules in India

    Here is what you need to know about number plates and the law:

    • Colour Scheme:

    Number plates should display black text on a white background for personal vehicles, including cars and two-wheelers. In contrast, commercial vehicles require black text on a yellow background.

    • Size and Font:

    Stick to the official size guidelines for both the number plate and the characters. Fancy fonts are not allowed.

    • Do Not Add Extras:

    Avoid adding decorative elements, images, or personal names to the number plate.

    • Placement:

    Number plates must be visible on the vehicle's front and rear. You should align the front plate parallel to the handlebar for motorbikes.

  • Rules and Benefits of HSRP Number Plates for Vehicles

    by User Not Found | Apr 30, 2024

    Updated on 26 Dec 2025

    Every vehicle must have a number plate that stays secure and clear. High Security Registration Plates (HSRPs) aim to make that happen. These plates use the latest security features to make them tamper-proof, thereby preventing fraud.

    This blog talks about what HSRP number plates are, why they are important, the rules, penalties and their role in safety and insurance.

    What is an HSRP number plate?

    An HSRP number plate is a specially made plate fitted with unique security features. It has a laser-etched permanent identification code, includes a chromium hologram and uses a fully pressed snap lock for fitting. The number plate features a reflective film to enhance visibility in low light and utilises a single standard font in a fixed size. These measures make the plate secure and hard to tamper with, as well as ensure uniformity and traceability.

    Importance of HSRP number plates for vehicles

    HSRP plates enhance a vehicle’s visibility, identity and security through features like holographic logos, laser-etched codes, tamper-proof snap locks and improved durability. These number plates reduce duplication and misuse and support easier vehicle tracking by law enforcement officers. They also improve safety by using highly reflective material that enhances visible at night or in poor weather conditions.

    HSRP number plate rules

    Here are the guidelines related to HSRP plates:

    • Chromium hologram:

    HSRPs feature a blue 20mm x 20mm chromium-based Ashoka Chakra hologram at the top left.

    • Laser-engraved PIN:

    A unique 10-digit Permanent Identification Number is laser-engraved on the lower-left corner.

    • Hot-stamped details:

    It includes state and district codes and a unique alpha-numeric vehicle identification number.

    • Mandatory installation:

    HSRPs are required for all vehicles.

    • Variation in cost:

    Prices differ by state – around INR 400 for two-wheelers and INR 1,100 for four-wheelers, with additional charges for stickers of different colours.

    • Tamper-proof design:

    Enhances security and traceability.

    Penalties for not having an HSRP number plate

    Not using an HSRP plate or not following the fitting rules may lead to strict penalties, such as:

    • A fine of ₹5,000-₹10,000 may be imposed for non-compliance.
    • Authorities may suspend vehicle-related services, such as transfer, re-registration or modifications, for vehicles that continue to be non-compliant.

    Role of HSRP in vehicle safety and car insurance claims

    An HSRP plate’s tamper-resistant features help in case of accidents, theft or misuse. The permanent code and secure fitting make it easier to trace vehicles and reduce fraud. In the event of an accident or theft, the HSRP's unique features enable authorities to quickly verify vehicle details. These number plates also contribute to better traffic management and pollution monitoring.

    When it comes to a car insurance policy, the HSRP number plate helps in efficient claim processing. HSRPs ensure the authenticity of a vehicle, which is important during accident or theft claims to prevent fraud.

    Conclusion

    HSRP number plates carry important features that ensure safety on the road. These standardised plates help authorities easily identify vehicles for streamlining traffic management and adhering to environmental norms. They prevent fraud and help in tracking stolen vehicles.

    While HSRPs give a vehicle an identity, comprehensive car insurance is important for financial protection against accidents, damages and theft.

    As you work towards keeping your vehicle safe and compliant, let’s help you choose the right insurance cover for your four-wheeler by completing the form on this page.

    FAQs

    • Can I keep the HSRP number plate when I sell my car?

    HSRP plates belong to the vehicle. When ownership changes, the plate stays with the car, not the seller.

    • How long does it usually take to get an HSRP plate after applying?

    The waiting period may vary by region, but in most cases it takes between 3 and 7 working days once the order is placed.

    • Do HSRP plates have a specific lifespan?

    They are designed to last for many years as they use reflective film and aluminium. Replacement is needed only if the plate gets damaged or becomes unreadable.

    • What should I do if my HSRP plate gets damaged?

    You must apply for a replacement through an authorised centre. A duplicate HSRP will be issued with the same registration details and code.


    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.

  • All You Need to Know About Red Number Plates in India

    by User Not Found | Apr 24, 2024

    Updated on 24 Dec 2025

    In India, you will come across vehicle number plates that come in various colours, and each of them has its own meaning. You might have noticed the red number plates and thought, 'Why are they so different from the regular yellow and black ones?'

    It’s because the red number plates are not intended for general use and serve a specific purpose. Once you are familiar with the limitations and rules of these number plates, you can avoid all unwanted issues and confusion.

    What is the meaning of red number plates?

    The letters and numbers on the plate indicate specific information about the vehicle.

    Different types of number plates exist for different transport purposes, such as blue plates for foreign missions and embassies, and plates with upward-pointing arrows for military vehicles.

    A red registration plate is assigned for brand-new vehicles. It signifies that the new vehicle is waiting for the permanent registration number.

    The RTOs in India are responsible for assigning temporary and permanent numbers for the vehicles being operated in the country. A red number plate signifies a temporary registration number valid for 30 days only. It displays a number in white letters on a red plate.

    What are the rules of a red number plate?

    The red number plates come with certain rules that you should be aware of:

    • These number plates can only be used with the state of registration till all the permanent papers are completed.
    • It’s only used till the permanent registration number is issued.
    • Driving with a red number plate after it has expired is illegal.
    • The red number plate should display all the numbers clearly in white lettering.

    What are the limitations of a red number plate?

    The red number plates also have the following limitations:

    • Vehicles with this number plate cannot be used for commercial reasons.
    • It’s not valid for all interstate travel.
    • Pollution and car insurance certificates may be required, even with temporary registration.
    • Misusing the red number plates can lead to fines and penalties.

    Role of car insurance while applying for number plates

    Even when the vehicle comes with a temporary number plate, it's crucial to have valid vehicle insurance. The insurance policy provides protection against all unforeseen costs in the event of damage, theft or accident.

    Furthermore, having comprehensive car insurance is compulsory under Indian law. When you apply for permanent registration, proof of insurance is usually needed.

    Conclusion

    The red number plates are temporary registration number plates for all the new vehicles. This means they are only provided for short-term use. You should always follow the rules and then shift to a permanent number plate within the given timeframe. That way, you can avoid all unwanted issues.

    Additionally, if you want to protect your vehicle financially, we can help you with that. Fill out the form on this page to get personalised vehicle insurance advice and solutions. 

    FAQs

    • How long are the red number plates valid?

    The red number plates remain valid for one month from the date of issue.

    • Is it possible to travel to another state with the red number plate?

    No. You will need a valid number plate to visit a different state. The red number plates are only valid within the state where they are registered.

    • Do vehicle owners need insurance for their red plate vehicle?

    Yes. Insurance is compulsory by law even for temporary registration.

    • What happens when vehicle owners use the red number plate after expiry?

    Using a red number plate after its expiry can result in penalties and fines.


    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 is a White Number Plate in India?

    by User Not Found | Apr 24, 2024

    In the labyrinth of India’s diverse vehicular landscape, the ‘White Number Plate’ is a ubiquitous identifier, symbolic of the countless vehicles traversing the nation’s roads. Join us as we delve into the intricacies of the white number plate in India, unravelling its significance in the nation’s transport infrastructure and its role in maintaining order on the roads.

    White Number Plate

    Let’s explore the interesting details hidden in the simplicity of the number plate white.

    1. The white number plate is the most prevalent type of registration plate in India.
    2. All private or non-commercial vehicles, including two- and four-wheelers, display white number plates.
    3. A vehicle with a white license plate and black lettering indicates it is designated for private or personal use only.
    4. Vehicles bearing white registration plates are prohibited from transporting goods or carrying passengers, emphasising their exclusivity for personal transportation. 
  • PDI Checklist: Things You Should Know Before Taking Your New Ride

    by User Not Found | Apr 24, 2024

    Updated on 24 Dec 2025

    Purchasing a new vehicle is exciting, but before you take it home, you need to complete one crucial step: a PDI (pre-delivery inspection). This method ensures that your new vehicle is free from all defects and is in excellent condition, just as promised by the car dealer.

    Many vehicle buyers avoid this step, but doing so might lead to issues later on. With a thorough checklist in hand, you can ensure that the vehicle is ready to hit the road.

    What is a pre-delivery inspection (PDI)?

    The pre-delivery inspection is a complete check that is carried out before the vehicle is delivered to you. The inspection involves checking both the interior and exterior sections of the car. The inspection also ensures that all functions are working appropriately.  That way, you will not end up with a vehicle that has defects.

    Essential steps to ensure your new car hits the road in prime condition

    Now that you know what a vehicle PDI is, the question arises: What will you check in your new car? Here are some of the essential components of your car PDI checklist that you can’t afford to miss.

    Check the exterior body panel of your car for any dents or scratches. Other considerations while seeing the exterior are:

    • The bonnet, boot lid, doors, remote key lock, windscreen, window glasses, blinkers and wiper blades should operate smoothly.
    • See whether the spare tyre and the wheels are unused. The tyres should have adequate tread and inflation pressure. Also, the alignment of the wheels should be correct.
    • The paint on the car should be even on the entire body panel.

    Once you are satisfied with the exteriors, check the interiors.

    • Inspect the dashboard for any cracks or malfunctioning elements.
    • Seats and door pads should be stain-free.
    • Ensure that the seat belt adjustments and steering wheel function efficiently.
    • Brake pads should be effective.
    • Don’t forget to check the numbers on the odometer. The reading on it should be below 100 KM.

    Thereafter, move on to inspecting the electrical components installed in the car.

    • Check whether the cooling system in the car works properly.
    • AC vents should be dust-free.
    • Scrutinise the ports, control buttons and the entire music system.
    • The lighting peripherals, such as indicators, fog lights, headlights and interior lights, should be efficient.
    • Test the horn as well.

    Next comes the engine, the heart of your car and the fluid levels.

    • In the bonnet of your car, look for signs of any oil spill or dust in the engine bay.
    • See if the terminals of the battery are rust-free.
    • Use a dipstick to gauge the fluid level.
    • The coolant level should be as per the manufacturer’s guidelines.

    Finally, it's time for a test drive. While you drive the car, assure yourself that the accelerator, brakes, clutch and gears work efficiently. Also, take the handover of duplicate keys from the dealer.

    What is included in the exterior inspection checklist?

    The following things are included in the exterior inspection:

    • Checking the locks, glass and mirrors for damage.
    • Wipers, indicators and headlights must function perfectly.
    • The tyres should be new and must not have any cuts or cracks.
    • The body panels should be completely scratch-free.

    What is included in the interior & functional checks?

    The interior and functional inspection covers several aspects. Upholstery, dashboard and seats should be clean and free from any damage. The jack, spare tyre and toolkit must be provided along with other essentials. All warning indicators, lights and the horn should be tested to confirm proper functioning. Power windows, the infotainment system and air conditioning should also work smoothly.

    Importance of having car insurance when doing a pre-delivery inspection

    Right before you take the vehicle for its first drive, it needs a proper car insurance policy. An insurance safeguards you from financial losses against unexpected damage, theft or accidents. Moreover, having the right policy offers added peace of mind.

    Conclusion

    A pre-delivery inspection is not just a formality, but a right every buyer has. Following a proper checklist can help confirm that the vehicle is delivered in good condition and free from hidden problems. When combined with a suitable insurance plan, it can make the driving experience more enjoyable. Furthermore, for tailored solutions and advice on the no-claim bonus in car insurance, or to explore the right policy, fill out the form available on this page.

    FAQs

    • What is the main purpose of a PDI?

    The primary purpose of a PDI is to ensure the vehicle has no defects and is ready for use.

    • Who conducts the PDI?

    The dealer typically conducts the PDI, but the buyer must also verify it from their end.

    • Is it possible to refuse the delivery when defects are found?

    Yes. You can request the dealer to fix all the problems before making the delivery.

    • Is the insurance policy mandatory before taking delivery?

    Yes. You should have insurance in place, as it's compulsory by law, and it helps protect the vehicle from the very first day.


    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.

  • Why is Servicing Your Car Important?

    by User Not Found | Apr 24, 2024

    Many of us need to be more proactive about regularly servicing our cars. Postponing maintenance work may lead to breakdowns or defects. Surprisingly, only about 70% of car owners choose corrective maintenance over preventive maintenance, which can be risky. Regular car servicing is the most dependable method of discovering issues that may turn into ugly defects.

    The Importance of Regular Car Servicing

    • Enhances the life of the vehicle:

       A qualified professional inspects the vehicle during periodic servicing and undertakes necessary repair or replacement work. If skipped, it could lead to more problems, making different parts of the vehicle malfunction. Consequently, getting regular check-ups enhances the life of the vehicle overall. 
    • Improves on-road performance:

      A car’s on-road performance declines over time from the wear and tear of components. The repair, refurbishment, and replacement work during regular car servicing helps restore the car’s performance by many notches. Thus, regular vehicle servicing is critical for overall on-road performance.
    • Safety aspects:

      Imagine a situation where you apply the brakes, and a tyre suddenly bursts. Such incidents can be fatal. However, if the car has already been checked, the technicians at the service centre will inspect the tyres and point out any discrepancies, thus preventing accidents. Therefore, regular servicing improves the overall safety of the car.
    • Ensures fuel efficiency:

      The wear and tear of components and accessories and other similar issues can affect the mileage output of your car. In turn, your car will have a lower fuel efficiency compared to the initial days. Periodic servicing is beneficial in reinstating fuel efficiency. It also saves you money when fuel prices are skyrocketing.
    • Engine health monitoring:

      Regular servicing is vital for engine health monitoring. The technicians will visually inspect the engine and undertake a functional inspection to ascertain the condition.
    • Increases resale value:

      The effect of proper car servicing will be evident from the vehicle's appearance as well as performance. A prospective buyer will check the vehicle with the help of an experienced technician before proceeding with the deal. A properly maintained vehicle will have better resale value than a non-maintained one. 
    • Functioning of electrical components and indicators:

      You may have observed the frequent failure of warning lamps, irregularity in indicator functioning, etc., after using your vehicle for a prolonged period without maintenance. This may turn troublesome during trips, especially long drives. Imagine you get a false engine low-oil warning from an electric malfunction. The warning will put you in panic mode and take away all the enjoyment from the trip. Regular car servicing will save you from such ordeals.
  • Tips for Inspection of the Car Before a Long Trip

    by User Not Found | Apr 24, 2024

    Planning a long road trip and apprehensive of something going wrong with the car? Worry not, for we have put up a detailed list of all the things that must be taken care of. Once you are done ticking every area on the list below, you are more than ready to enjoy your memorable road trip.

    Here is how you should undertake a car check before a long drive.

    Pre-Trip Check: Ensuring a Smooth Ride Before Your Long Drive

    • Get your car serviced on time:

      During road trips, breakdowns can occur more than once. To avoid such let-downs, get your vehicle serviced regularly. Choose a reputed and reliable servicing centre for the task. Also, don't push the serviceman into "haste" mode, as they may leave several areas unattended. Impatience with the servicing will reduce its efficacy and adversely affect your vehicle.
    • Check the fuel meter:

      Always remember to check the fuel meter while driving. Your car must always have fuel to last at least another 50 km. 
    • Check tyres:

      When checking the tyres, you need to be mindful of two aspects: tyre pressure and tread. Ensure the tyres are not over or underinflated, as this can lead to premature wear, a bumpy ride, overheating, or even a blowout. Meanwhile, your tyres will wear out quickly if the treads are not deep enough.
    • Check the brakes, headlights, and horns:

      No matter where you are going, you must get the brakes, headlights, and horns appropriately checked. If any of these parts aren't working right, fix them before your road trip. If the headlights aren't bright enough, replace them instead of trying to fix them.
    • Exhaust system:

      A faulty exhaust system can mitigate power, raise fuel consumption, and improperly ventilate the toxic gases emitted by the engine. Any hissing and popping sounds mean the exhaust system needs to be checked. If the car is over five years old and you are planning a road trip, consider getting its exhaust system serviced by professionals.
    • Air filters:

      Another critical part to check is your vehicle's air filters. These filters prevent dust and dirt from entering your vehicle and damaging the engine and fuel supply system. A clean air filter will guarantee a smooth journey.
    • Front and rear windshield washers:

      Check if the front and rear windshield washer jets spray water evenly. If not, get them adjusted immediately.
    • Take a test drive:

      Finally, take a test drive a day before your road trip. Be sure that your car is ready as you are for this road trip.
  • Crucial Tips for Safe Highway Driving in India

    by User Not Found | Apr 18, 2024

    Updated on 10 Dec 2025

    Driving on Indian highways can be exciting, but it also comes with challenges like fast-moving traffic, heavy vehicles, and sudden diversions. Following basic safety rules, like keeping a steady speed, using indicators when necessary, and staying alert, can make your journey safer and smoother.

    In this blog, you will learn the tips for driving confidently and responsibly on a highway in India and the importance of the four-wheeler insurance.

    Driving tips for indian highways

    Driving on a highway is an altogether different kind of experience. Here are some highway driving tips in India that you will find handy to lean on and to ensure a smooth driving experience.

    • Maintain speed:

    Always try to drive at a consistent speed. Doing so contributes to a smooth traffic flow and ensures a safer driving experience on Indian highways.

    • Stick to one lane:

    When driving on an Indian highway, do not jump lanes frequently and always stick to a designated lane. This little manoeuvre streamlines traffic flow and minimises the risk of collision.

    • Keep a safe distance:

    Maintaining a safe distance from the vehicle in front allows for better reaction time and helps avoid potential accidents.

    • Avoid driving late at night:

    Late-night driving has risks and challenges, mostly from poor visibility and heavy vehicles! It is best to drive during the day to ensure safer navigation.

    • Don’t overtake:

    Overtaking isn’t cool! Avoid manoeuvres that pose enormous risks and choose to drive with patience on an Indian highway.

    Legal highway regulations to know of

    When driving on highways in India, it’s important to follow the basic rules set by traffic authorities. Always carry a valid driving licence, vehicle registration, insurance papers, and a pollution under control (PUC) certificate. Speed limits are marked, and you must follow them to avoid fines or accidents.

    It is mandatory to wear seat belts for passengers and drivers. Overtaking should only be done from the right side after using the indicator. Drunk driving, using a mobile phone without a hands-free device, and rash driving are strictly banned. By following these simple rules, you stay safe and avoid any legal troubles.

    Pre-drive safety checklist

    Before starting any trip, it’s important to check a few things to ensure your safety on the road. Make sure your fuel tank has enough fuel for the journey, and check that your brakes, lights, and indicators are working properly. Look at your tyres to see if they have enough air and are not worn out. Adjust your mirrors and seat for clear visibility and comfort. Always carry your driving licence, car documents, and insurance papers. By following this simple pre-drive safety checklist, you can reduce risks and enjoy a smoother and safer drive.

    Importance of having car insurance while driving on a highway

    It is very important to have insurance when driving on a highway because it helps to cover the expenses caused by unexpected situations or accidents. Highways usually have fast-moving vehicles, which increases the risk of collision or damage. With valid car insurance, you can get coverage for the cost of repairs, medical bills, or even third-party damages, which will reduce the financial stress on you. It also ensures that you are following the laws, as driving without insurance is illegal in India. With no claim bonus in car insurance, you can also get the premium amount back for that policy year.

    Conclusion

    Driving on highways in India can be safe and comfortable if you follow some simple rules. Always keep a steady speed, maintain a distance from other vehicles, and use signals whenever you change lanes. Stay alert for sudden turns, animals, or slow vehicles, as highways often have mixed traffic.

    By driving carefully, staying cautious, and investing in good car insurance, you can enjoy a smooth journey and reach your destination without stress, knowing that you are financially safe. You can fill out the form on this page and get help from an expert to learn about car insurance options that fit your needs.

    FAQs

    • Can we drive safely on Indian highways?

    Yes, you can drive safely if you follow the basic rules properly, such as maintaining a safe speed and staying alert. Most accidents happen when drivers are careless or distracted.

    • What is the speed to be maintained on the Highway of India?

    Maintain a speed limit of 80-100km/h as indicated on the highway, and always be careful while overtaking any vehicle.

    •  How can accidents be avoided?

    To avoid accidents, keep enough distance from other vehicles and use indicators when you are changing lanes. And, to prevent a collision, you must always be extra careful while driving.

     


    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.m>

  • Pre-Delivery Inspection Checklist For Your Car

    by User Not Found | Apr 08, 2024

    Things you need to check out before leaving the showroom with a new car

    Whether it's the first car in your family or a new addition to your garage, buying a new car is always an exhilarating process. The excitement of acquiring the keys of a new set of wheels often rushes buyers through the sign-off process. But, before leaving the showroom, it is important to thoroughly inspect your car for any damage.

    A new car might have a manufacturing defect which will not be visible unless a close inspection is carried out. Often dealers use new cars as demo cars by removing the odometer, making them susceptible to wear and tear. And not to forget, there may be defects arising during transportation from the dockyard to the showroom as well.

    Here is a list of crucial issues that must be checked before leaving the showroom with your new car:

    Prior Registration

    It is recommended to visit the dealership stockyard before registration and check the month and year of manufacturing. Once the car gets registered in your name, there is nothing much that you can do.

    Ask your car dealer for Form 22 issued by the manufacturer. It has all the details about the engine, chassis, manufacturing, etc. Many dealerships overcharge their customers for various taxes, look out and avoid paying extra.

    Preparation

    Confirm the date of delivery and ask the dealership if your car is ready before visiting the dealership. Visit the showroom in broad daylight as the night may conceal certain defects.

    Carry all the necessary documents including credit card or cash if any payment formalities are to be completed. It is a good idea to ask a friend or family member to accompany you for their observations and suggestions.

    At the Showroom

    While at the showroom, thoroughly examine the car for any signs of damage. Begin with the exteriors and look for any dents, dimples or scrapes. Check for any re-paint or repair job that has been carried out hastily.

    Look out for the interiors, check out the dashboard, seats, door pads and the overall finish. Check for floor carpets, seat belts and various dashboard controls. Start the engine and check the air conditioner for its cooling.

    See if all the lights are operating fine. Look out for the tread of tyres, they should be adequate without any signs of wear. The exhaust must not emit black fumes and the engine must not vibrate excessively.

    Final Inspection

    Once you have inspected the car thoroughly:

    • Ask the salesperson to give you a demonstration of different features of the car
    • Take your car for a test drive and check its steering and manoeuvrability.
    • Drive over different surfaces to identify any engineering fault.
    • Accelerate hard to test the pickup and check the braking.
    • Visit the service department and get familiarised with service centre facilities.

    Once you see everything is perfect, complete the documentation formalities. Take a copy of all receipts, sales certificates and other documents. Take owner manuals, duplicate keys, warranty papers and roadside assistance contact details. Finally, opt for a comprehensive car insurance policy with at least a year of coverage and zero depreciation coverage to get the best value for your money.

  • What To Do In Case Of Car Breakdown?

    by User Not Found | Apr 08, 2024

    All you need to know about car breakdown and ways to tackle it

    A car breakdown is the mechanical failure of a motor vehicle, which disrupts its working and makes it dangerous to operate. In some cases, the vehicle stops working altogether. Breakdowns can occur due to a variety of reasons and can often be avoided through timely maintenance.

    Listed below are the common causes for vehicle failure and few useful tips on what can be done in these situations.

    Faulty or Low/Dead Battery

    A faulty or dead battery is one of the biggest reasons for a vehicle breakdown. If there is a problem in battery, it can be due to poor electrical connection or the battery terminal may be corroded. Regular checking and maintenance can help in avoiding this problem.

    Damaged/Flat Tyres

    The tread depth of a tyre should be checked regularly for wear and tear. Tyre pressure also needs to be checked as under-inflated tyres lead to extra strain on the tyre wall, which finally causes the car to breakdown. Nails, screws and other sharp objects in debris can put the tyres at risk.

    Running Out of Fuel

    Keep an eye on the fuel gauge; else, you could be stranded halfway in your drive. In some cases, people put the wrong type or inferior quality of fuel in their vehicles, which leads to internal damage as well.

    Lost/Misplaced Keys

    Being locked out of your car or losing keys is a surprisingly common factor. Keep a spare key handy to avoid such cases.

    Overheating of Engine

    With the soaring temperatures and congested traffic scene, the car engine is often susceptible to overheating. It is important to check the efficiency of the cooling system in place for your car to avoid losing coolant through leakages.

    As it can be observed, most of these problems can be avoided through regular checking and updating the parts of your car. However, even while observing all these guidelines, there are times when you are stuck on the road with a car that refuses to turn on. What can the stranded driver do in such cases?

    Road Side Assistance

    From services like towing and fuel-refill to mechanic visit and assistance over phone, the Road Side Assistance feature offers substantial relief. Some service providers even offer accommodation and another vehicle to save time.

    Motor companies and insurance companies offer this feature to car owners, making their lives easier.

    Insurance and Car Breakdown

    Car breakdown is a daunting situation and one of the major menaces faced by vehicle owners. Many insurance companies recognise that and offer round the clock Road Side Assistance service along with a car insurance plan.

    They offer services like flat tyre change, arrangement of spare key, breakdown support over phone, an on-spot technician for minor repairs, etc. Special services like relaying of an urgent message and accommodation arrangement are also offered.

    With such a wide range of services offered with insurance benefits, the panic induced by a car breakdown may as well be a thing of the past.

  • 7 Stress Factors You Must Manage While Driving

    by User Not Found | Apr 05, 2024

    List of Factors Responsible for Driving Induced Stress

    Driving induced stress is a serious health concern, which leads to depression, anxiety and heart-related diseases. More and more people succumb to it daily due to increased time spent in the vehicle.

    Driving has become the most stressful and least productive part of our daily routine, especially in the large Indian cities where traffic is immensely chaotic. On a busy day in Mumbai or Delhi, it can easily cost you a couple of hours of your time.

    Overdrive magazine partnered with Asian Heart Institute, Mumbai and conducted a survey on 3 drivers with different age, gender, car and gearboxes to determine the effects of driving-related stress. Results showed that the heartbeat and blood pressure of the drivers went significantly above normal levels while driving in traffic, irrespective of age, gender, or car.

    Several factors contribute to driving induced stress, of which, some of the prominent ones are:

    • Claustrophobia: High density of vehicles on roads leaves you with no place to move forward or to the adjacent lane. On Indian flyovers and junctions, you can feel claustrophobic in your own vehicle. All you can see is vehicles inches away from your own in every direction, which builds up fear and rage.
    • Anxiety: At busy junctions, the intervention of traffic policemen may increase your waiting time. Despite green signals you are stuck motionless amidst chaotic traffic with everyone honking their horns adding to anxiety and uneasiness.
    • Psychological stress: Amidst dense traffic, you are constantly bothered about your vehicle being rear-ended, scratched, or dented. You aggressively honk or warn the other driver to stay away from your space. It can cause your pulse rate to rise and fall beyond normal levels repeatedly.
    • Behaviour of other drivers: Other drivers breaking rules or driving awfully is an annoying sight. Drivers talking on cell phones, over-speeding and playing loud music are commonplace despite strict rules. Encounters with such drivers will infuriate you and make your blood pressure rise.
    • Multitasking: Cars these days are laden with complicated navigation tools, Bluetooth, radios, music systems and auxiliaries. Such complexities within the car along with being engrossed in your Smartphone can make driving even more difficult in traffic.
    • Denial of our own acts: As humans, we often overlook our own errors while driving and consider others as wrongdoers. Gradually we develop an attitude of self-righteousness, which raises anxiety every time we commit a mistake but consider it to be done by the other driver.
    • Expressing rage on other drivers: At times, we are offended by the other drivers such that we start abusing and/or block their path. Sometimes we don't express our rage but keep it within us. In both the cases, the repercussions are far worse than a mere rise in pulse rate or blood pressure.

    Stress behind the wheels in traffic can be annoying but can be managed through acceptance and self-discipline. You need to change your driving behaviour, control anxiety and respect other drivers on the road. A car insurance along with a third-party liability and coverage against own damage will boost your confidence and eliminate half your worries while driving.

  • Park Your Vehicle Safely With These Car Parking Tips

    by User Not Found | Apr 03, 2024

    Vehicle theft has emerged as one of the fastest growing crimes in India. As per the official data, there are almost 100 cases of vehicle theft reported each day in urban areas of the country. And, the figures aren’t much better for the rural areas either.

    According to the experts and bureaucrats, the tendency of people to park their vehicles at unauthorised places has contributed greatly to this rising menace. Safe parking of your car or two-wheeler hence plays a very important role in ensuring its overall safety and security.

    Also, if you live in an urban city which usually has high traffic congestion and very limited parking spaces, it’s important for you to follow some basic car parking tricks such as parallel parking, reverse parking etc. This will not only prevent the chances of your car getting damaged but will also help you avoid unnecessary confrontations.

    Here are some rudimentary car parking tips and ideas that you should follow to ensure the optimum safety of your vehicle:

    Park your vehicle only in dedicated parking spaces

    One of the primary reasons behind rising vehicle-related crimes in India is the tendency of the owners to park their vehicle at unauthorised places. Also, as per the Motor Vehicles (Amendment) Act of 2019, you may have to pay a penalty of ₹5,000 in case your vehicle is found to be parked in a ‘No Parking Zone’.

    Hence, you must always park your vehicle at dedicated parking spaces only, including garages, parking lots, roadside parking zones etc. This way, you will not only minimise the chances of sustaining theft or damage to your vehicle but also avoid incurring a hefty traffic fine.

    Park close to other vehicles and in a well-lit area

    You should always park your vehicle close to other vehicles and in an area with proper lightening. Besides discouraging criminals who could not get a free passage to break into your vehicle, this will also ensure that you’re able to detect the hindrances such as uneven pavement, potholes, extruded building corners etc. while parking your car.

    Avoid parking your car next to large vehicles

    While it’s advisable to park your car close to similar sized vehicles as yours, you should refrain yourself from parking it near large vehicles such as pick-up vans, buses, trucks, containers etc. These vehicles can not only obstruct your escape route should you want to drive your car away but will also provide a great hiding place for the potential thieves or attackers trying to break into your car.

    Take extra precautions while parallel parking or reverse parking

    Parking a car parallel to other vehicles or a wall can be a challenge even for the most seasoned drivers. Hence, you should take extra care while engaging in parallel or reverse parking to avoid any collision and subsequent damage to your vehicle. Here are some useful parallel parking tips that can help you out:

    • Drive until you find a spot that is big enough for your car to fit in comfortably
    • Use both side mirrors to look for the obstacles and reverse very carefully
    • If your first attempt at parking is unsuccessful, don’t fret! Try another attempt at it with a calm mind
    • After you’ve parked your car, make sure there are adequate gaps between your car and the vehicles parked in front or back of it

    Lock your car properly and do not leave any valuables in it

    Though it may seem obvious, it’s quite important that you pull up the window panes and lock your car properly after you’ve parked it. In case of a two-wheeler, you should always lock its handle before leaving it at a parking facility.

    Also, it’s never a good idea to leave your precious belongings such as mobile phone, jewellery, laptop etc. in your parked vehicle as it may catch the attention of the swindlers who may try to break into your vehicle.

    While these car parking ideas can help you out in ensuring enough safety of your vehicle, it’s prudent to have an additional layer of protection with a car insurance plan. It will cover not only the damages incurred by any third-party but also the ones sustained by your own vehicle in case your car collides with any other object or vehicle while you’re parking it.

     

     

    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.  

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