Updated on 30 Nov 2025

Be it renewing your four-wheeler insurance or diving into the fine print of a new policy, you might have come across terms like IDV, deductibles and salvage. While some of these might sound like technical jargon, they have a real impact on how much you receive if your car ever faces significant damage.

In this blog, we unpack everything you need to know about salvage in car insurance- what it is, how it is calculated and why understanding it is crucial for every car owner.

Salvage in car insurance

In car insurance, salvage refers to a vehicle that has been declared a total loss by the insurance company due to severe damage beyond repair. The car may be considered a total loss if its repair costs exceed 75% (or a set threshold as per the insurer) of the IDV. Once declared a total loss, the car may be issued a salvage title or certificate.

Salvage does not usually apply to third-party car insurance, as that policy covers only liability towards others involved in an accident with your vehicle and not your car. To be protected in such situations, comprehensive four-wheeler insurance is recommended.

What affects the salvage amount in insurance?

Salvage value is the assessed value of a car after it has been declared a total loss due to heavy damage. In such cases, the insurance company typically compensates the policyholder with the vehicle’s Insured Declared Value (IDV). Some parameters affecting salvage charges in car insurance are:

• Extent of damage:Extensive damage tends to lower the salvage value, while moderate damage may result in a higher value.
• Make and model:Popular models with high demand for their parts often have a higher salvage value than less sought-after vehicles.
• Market conditions:The salvage value may increase if there is a high demand for the parts of your car model.
• Availability of parts:The salvage value might be lower if the car parts are readily available. Rarity and scarcity of specific components can drive up the salvage value.
• Repair costs:Higher repair costs often lead to a lower salvage value.

Understanding salvage deduction in car insurance

When your vehicle is damaged beyond economical repair, the insurer may declare it a "total loss." In such a case, you can choose to retain the vehicle or let the insurer take possession of it, and they will dispose of it at a scrapyard.

Salvage deduction is the amount subtracted from the claim amount if the damaged vehicle is retained by the policyholder instead of being handed over to the insurance company.

Let us say your car’s IDV is ₹5,00,000 and the salvage value is ₹50,000. If your car is completely wrecked and you want to keep it, your insurance payout would be ₹4,50,000.

Conclusion

In a world where unforeseen events can turn the ordinary into the unexpected, understanding your car insurance and the associated terms like ‘salvage’ better is one of the most responsible steps you can take as a car owner. If you are familiar with what salvage is and the charges associated with the salvage procedure, it will be easier to navigate the claim process if your car becomes irreparably damaged.

Unsure how salvage value might affect your claim or policy decisions? Let us help. Fill out the form on this page to receive personalised four-wheeler insurance advice from our experts, so you can make confident, well-informed choices- whether you're dealing with total loss, salvage deductions or selecting the right plan.

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.

We all appreciate an easy ride—the motor's steady hum and the comfort of the steering wheel. If you've ever driven without power steering, you understand how important it is to a pleasurable journey. Robert E. Twyford of Pittsburgh invented the first power steering system in 1900, but it was in Cadillac's 1951 Chrysler Imperial that power steering became the norm in the United States.

Curious about the types of power steering? Let's dive right into the specifics.

What Are The Types Of Power Steering?

It is essential to know that several types of power steering systems are employed in vehicles, each designed to provide optimal control and manoeuvrability.

One common type is the Rack and Pinion steering system, widely used in modern cars. It consists of a rack, a linear gear, a pinion, and a circular gear connected to the steering wheel.

Another type is the recirculating ball steering system. This is commonly found in trucks and larger vehicles. It involves a worm gear that turns a sector gear, moving a series of balls to transmit motion.

A less common but notable system is the recirculating roller steering system. This system uses rollers instead of balls for smoother motion.

Additionally, some vehicles employ the Electronic Power Steering (EPS) system, where an electric motor assists in steering, offering varying levels of assistance.

Each steering system has advantages and drawbacks, influencing factors like vehicle size, intended use, and desired driving experience.

Global automakers always create cutting-edge technology to improve driving dynamics and increase driver safety. These days, cars have many fantastic features installed to enhance the driving experience. An automobile's headlights are among its best features. While various headlight configurations have been used in automobiles, let us learn in this article what are follow me home headlamps and how they have become so popular.

Follow Me Home Headlamps Meaning

 When you turn off your car's ignition or use a key to unlock your vehicle, your car's headlights stay on thanks to the follow-me-home feature. The follow-me-home headlights were turned on for ten to fifteen seconds to give you the extra light you needed to see your way.

Cars now come equipped with these headlamps due to safety regulations. These headlamps, often known as "guide me headlamps," are now required for two- and four-wheelers.

This incredible ability saves the day in many instances, such as averting accidents in parking lots caused by mud, potholes, etc. However, you can activate this useful option based on your automobile's manufacturer, as every car is built differently.

The wheel balancing process is a vital aspect of vehicle maintenance, focusing on achieving an even weight distribution across the tire and wheel assembly. This is accomplished by strategically adding small weights to the wheel. The primary objective of this process is to correct any minor imbalances that might exist, ensuring a smooth and stable ride. Understanding this process is essential for maintaining optimal performance and longevity of your vehicle's tires.

What is the Process of Wheel Balancing?

The wheel balancing process involves the following steps:

1. Use a wheel balancer and place the tire and wheel on it. A wheel balancer is a machine resembling a treadmill for tires. Spin them rapidly for analysis.
2. While in motion, the machine identifies heavier or lighter areas on the tire and wheel.
3. Attach small weights to the opposite side of the heavy spots to restore equilibrium.
4. Verify that all tire and wheel parts are equally balanced. This ensures synchronisation.
5. Adjust weights as needed for that precise balance.
6. Double-check the entire setup to confirm security and centring.
7. Reinstall the balanced tire and wheel onto the car, getting it road-ready.
8. Some mechanics may take the vehicle for a spin to guarantee a smooth drive.

Wheel balancing addresses weight imbalances within the wheel and tire combination. This process is important for promoting the stability of the vehicle while driving.

Wheel balancing is a separate procedure from wheel alignment. Experts recommend balancing every 5,000 to 7,000 kilometres (3,000 to 4,000 miles) or as part of regular tire rotations, particularly for vehicles with alloy wheels.

It is advisable to balance all four wheels. This will help in addressing any potential out-of-balance conditions.

What are the Types of Wheel Balancing?

There are 2 types of wheel balancing.

1. Dynamic Balancing:

   In dynamic balancing, technicians identify the heaviest points in the tire and wheel combination. Then, small weights are attached to counterbalance these areas. This effectively eliminates vibrations or hops that may occur while driving. This leads to a more stable and comfortable ride.

2. Match Balancing:

   Match (road force) balancing focuses on identifying the tire's lowest points and the wheel's highest points. In some cases, the technician may even remove the tire from the wheel to make necessary adjustments for an optimal match. The ultimate goal is to achieve the smoothest ride possible by addressing any potential tire and wheel combination issues.

This blog is all about automotive well-being and explores a crucial yet often overlooked facet of vehicle maintenance – wheel balancing. Buckle up as we explore the intricate details of wheel balancing, why it matters for your vehicle's performance, and the transformative impact it can have on your overall driving experience. It is a crucial aspect of vehicle maintenance that ensures optimal performance and a smooth driving experience. So, what is wheel balancing? The process involves addressing weight imbalances in the tyre and wheel assembly, which can cause uncomfortable vibrations and uneven tyre wear.

Wheel Balancing Meaning

Wheel balancing is a critical aspect of automotive maintenance, dedicated to attaining equilibrium in the tyre and wheel assembly. As a vehicle moves, imbalances in weight distribution can result in discernible vibrations, compromising the overall ride quality. The wheel balancing technique employs sophisticated machinery to meticulously pinpoint areas of heavy and light concentration within the assembly. Highly skilled technicians strategically apply precise counterweights to rectify these imbalances, ensuring a smooth, vibration-free driving experience. Beyond immediate comfort, this practice provides far-reaching benefits, including extended tyre lifespan, greater fuel efficiency, and an overall enhancement of road safety. By addressing these intricacies, wheel balancing emerges not just as a maintenance task but as a transformative measure, optimising the performance and longevity of your vehicle.

Maintaining proper wheel alignment is not just a routine aspect of vehicle maintenance; it is a fundamental necessity for your vehicle's overall health and performance. The alignment of wheels and tyres goes beyond aesthetics, playing a crucial role in influencing tyre wear, handling, and the overall efficiency of your car. As a conscientious vehicle owner, comprehending the importance of wheel alignment becomes imperative to ensure a smooth, safe, and cost-effective driving experience. Let’s look at some benefits of regular wheel alignment.

Why is Wheel Alignment Important?

Proper wheel alignment offers a multitude of benefits that significantly impact your vehicle's performance and longevity: 

Tyre Longevity:

One of the primary advantages of a correct wheel alignment is its positive impact on tyre wear. Ensuring even wear across all tyres extends their lifespan, saving you money on frequent replacements.

Handling Precision:

Correct alignment contributes to the vehicle's handling precision. A well-aligned car offers a smoother, more controlled driving experience, enhancing overall manoeuvrability on the road.

Fuel Efficiency:

Aligned wheels reduce resistance, improving fuel efficiency and mileage. It benefits your wallet and contributes to a more environmentally friendly driving experience.

Safety:

Improved handling and steering control are crucial, especially in emergencies. Properly aligned wheels enhance your ability to respond effectively to sudden manoeuvres or unexpected obstacles, reducing the risk of accidents.

Suspension Health:

Misalignment can exert uneven pressure on the tyres, causing unnecessary strain on the suspension system. Over time, this can lead to accelerated wear and potentially expensive repairs if the issue is not promptly addressed.

Cost-Effective:

Investing in regular wheel alignment is a cost-effective strategy in the long run. It prevents premature tyre wear, improves fuel economy, and mitigates the risk of more extensive and costlier vehicle damage over time.

A fundamental aspect of vehicular maintenance is understanding the nuances of wheel alignment. This exercise involves correctly adjusting wheel angles, which is pivotal for optimal performance and tyre health. The intricacies lie in the various types of wheel alignment, each tailored to specific vehicle configurations. Understanding the complexities of wheel alignment as per vehicle configuration becomes paramount in ensuring a vehicle's handling remains smooth and that tyre wear is distributed evenly.

What are the Types of Wheel Alignment?

Understanding the various types of wheel alignment is essential for effective vehicle maintenance and optimal performance.

Front-End Alignment:

This type focuses exclusively on front-wheel alignment. It is ideal for vehicles equipped with a non-adjustable rear suspension and primarily addresses issues related to the front axle. Precise adjustment ensures proper alignment, contributing to enhanced handling.

Thrust Alignment:

Initially involving the alignment of the front wheels and, subsequently, parallel alignment with the rear wheels, thrust alignment is critical for correcting directional irregularities during vehicle movement. This method is particularly effective in addressing concerns related to the thrust angle formed by the centreline of the rear axle and the vehicle.

Four-Wheel Alignment:

A comprehensive approach, four-wheel alignment involves adjustments to all four wheels. Especially advantageous for modern vehicles with independent suspensions, it ensures proper front and rear axle alignment, determining balanced tyre wear and overall vehicular stability.

At times, vehicles need to align their wheels to the optimal position for a better driving experience and other technical reasons. So, what is wheel alignment? It is a critical facet of vehicular maintenance, involving the tedious task of adjusting the angles of a car's wheels to ensure they are parallel and perpendicular to the ground. This procedure is akin to a precise posture checkup for your vehicle, which is pivotal in ensuring optimal performance, safety, and the extended lifespan of your tyres. Let’s explore the meaning of wheel alignment in some detail.

Wheel Alignment Meaning

• Wheel alignment, also known as breaking or tracking, is an essential part of standard automobile maintenance that involves adjusting the angles of the wheels to ensure optimal performance and tyre longevity.
• Proper wheel alignment ensures the vehicle travels straight and true, without pulling to one side, thus reducing uneven tyre wear.
• Wheel alignment is typically recommended every 10,000 to 20,000 kilometres or after hitting a curb or pothole.
• Various sources can be responsible for misaligning a vehicle's wheels. The jolts and impacts encountered on bumpy roads, including potholes, can disrupt alignment, setting it off course. Striking potholes at higher speeds exacerbate the risk and aggravate alignment issues. Even minor collisions or encounters with curbs can influence and compromise the alignment of a vehicle's wheels.

Additionally, sudden and abrupt manoeuvres, characterised by quick and sharp turns, contribute to misalignment, emphasising the importance of regular wheel alignment checks to maintain the vehicle's stability, handling, and overall performance.

Picture the car's boot space as a specialised storage area located at the back. This designated compartment allows you to neatly store various items such as bags, groceries, sports paraphernalia, or travel essentials. The key feature is its segregation from the driver and passenger sections, ensuring your possessions' security and orderly placement. Now, let us focus on answering the question: is boot space in car?

Boot Space Meaning in Car Insurance

Knowing how car boot space is measured is essential, whether you're shopping for a new car or gearing up for a road journey. There are three main ways to measure it:

Vehicle Design Area: 

VDA is a common way in the car world to figure out how much stuff can fit in the boot. It stands for "Vehicle Design Area." This method looks at how much space there is and the shape of the boot. So, it gives a good idea of how much stuff you can carry in the car.

Safe Approach and Entry: 

SAE is a newer method for measuring boot space, offering a realistic view by considering practical aspects like spare tire space and boot opening height. Its goal is to provide a clearer idea of the usable space when loading your things.

Maximum Load Volume:

The simplest of the three measurements, this one shows the maximum space available for cargo without considering shape or other factors. It's a straightforward measurement that provides information about the total capacity.

Updated on 27-03-2025

In the realm of vehicle ownership and financing, the process of hypothecation removal from the Registration Certificate (RC) holds significant importance. Hypothecation is a term used when a vehicle is purchased with the help of a loan from a bank. The lending institution has the right to the vehicle's ownership until the loan is fully repaid. It is indicated in the vehicle's Registration Certificate (RC) through an endorsement of HP. Removing hypothecation from the RC signifies the completion of loan repayment and grants the owner complete ownership rights. One common question that arises can we remove hypothecation online? Yes, you can remove hypothecation online.

In this blog, we will learn the step-by-step process of hypothecation removal in RC online. 

What is Hypothecation? 

Hypothecation is a legal agreement in which the lender (generally a bank) holds your vehicle as a security for giving you a loan. During the loan tenure, your automobile will be under the lender’s ownership. After the loan repayment, you need to update the records of your vehicle and remove the hypothecation. 

Documents Needed to Remove Hypothecation

Essential Documents for Car Hypothecation Removal:

• Original RC
• RTO copy of NOC
• Copy of your Driving Licence
• Copy of the Pollution Under Control certificate
• Copy of your car insurance policy
• Self-attested copies of Form 35
• Loan Closure Certificate 
• Receipt for the hypothecation removal fee payment 

How to Remove Hypothecation in RC Online?

If you are wondering if can hypothecation, be removed online, the answer is yes. Here's a detailed breakdown of the procedure for removing hypothecation online:

Loan Repayment: Before initiating hypothecation removal, ensure you have fully repaid the car loan, including any outstanding interest and charges.

Document Verification: Gather the necessary documents, including:

• Loan closure letter from the lender
• No Objection Certificate (NOC) from the lending institution
• Original RC (Registration Certificate)
• Valid identification proofs, such as an Aadhar card or passport

Follow these simple steps to remove hypothecation from your RC: 

• Log in to the Parivahan Portal 

• Visit the Parivahan Sewa website
• Select your state and go to “Online Services”

• Submit Hypothecation Removal Application 

• Choose “Apply for Hypothecation Removal.”
• Enter vehicle details (RC number, chassis number) 

• Upload Required Documents

• Scan the documents listed above and upload them.

• Pay the Fees

• Make online payment (fees vary from state to state)

• Submit Application 

• Complete the process by submitting the application. 

• Visit RTO (if needed) 

• If your state requires physical verification, visit RTO 

• Track Your Application 

• Go to the “Application Status” tab on the portal to check the process of removal. 

Upon successful verification, the RTO will issue an updated RC, indicating hypothecation removal. This new RC will reflect you as the sole owner of the vehicle.

How Long Does Hypothecation Take to Remove?

Hypothecation removal takes 7 to 14 working days. The time taken differs based on:

• Efficiency and speed of the RTO in your state
• Completion of document verification 

How to Check if Hypothecation Has Been Removed from Your Account? 

Once you have submitted the documents and fees, it is crucial to verify the removal status. 

1. Check the RC Status on the Portal 

• Use the “Vehicle Registration Details” option in the Parivahan portal to check your records.

2. Download the Updated RC

• After approval, download the updated RC, which reflects you as the sole owner of the vehicle.

3. Visit the RTO (if needed)

• Get a hard copy of the latest RC, if necessary. 

Conclusion

Can I remove hypothecation from RC online? Yes, you can and it is extremely easy and user-friendly. Removing hypothecation from the Registration Certificate (RC) following the closure of a car loan is a pivotal step that grants vehicle owners complete ownership rights and financial independence. This single process ensures that you can claim benefits if you are applying for car insurance online and makes it free from encumbrances, enhancing its resale value and simplifying future transactions. By diligently following this procedure, individuals can secure unobstructed ownership of their vehicles, thus reaping the benefits of their financial prudence and commitment.

Registering your vehicle with the RTO is crucial for driving legally on Indian roads. The Registration Certificate (RC) serves as proof of ownership, containing essential details such as your name and residential address. However, updating your RC with the new address becomes essential when you relocate to a new address or city. In this guide, we will walk you through how to change the RC book address, ensuring a hassle-free transition.

Steps to Change Address in RC Book       

If you don't know how to change address in the RC book, you need to follow these steps:

Documents required

First, gather all the required documents for changing address in the RC:

• Form 33 (Application for change of address)
• Proof of your new address
• Registration certificate
• Pollution Under Control (PUC) certificate
• Valid insurance policy certificate
• No Objection Certificate (NOC) from the financier (if the vehicle is collateral in debt)
• PAN card's attested copy or Form 60 and Form 61 (whichever is applicable)
• Smart card fee receipt
• Chassis and engine pencil impression
• Owner's signature identification

Please note that document requirements may vary depending on the state where you apply for the change of address in your RC.

Apply

You can apply online via these steps:

• Visit the Parivahan website.
• Register or log in with your credentials.
• Select 'Vehicle Related Services' and provide your vehicle details.
• Generate an OTP, enter it, and select 'Change of Address in RC.'
• Fill in all the required details and upload documents.
• Book an appointment, pay the fee, and take the printout of the application.
• Visit the chosen RTO on the appointment date with documents for verification.

Or, you can apply in person via these steps:

• Obtain and fill out Form 33 and other required forms at the RTO or online.
• Visit the RTO with original documents and submit your application and the applicable fee.
• The RTO officials will verify your documents and process the change of address in your RC.

Procedures vary by state, so refer to your local RTO for specific details.

There are so many firsts that we remember for the rest of our life. Our first day at college, the first time away from home, a first date, the first salary, we could probably go on and on. One of the most exhilarating experiences is buying your first car and feeling the rush of adrenaline as you get in to drive yourself home! No matter how many cars you buy after and however more expensive they may be, your first car will stay with you forever, ranking right up there with your first love!

However, like any other prudent financial decision, don't just lead with your heart. Let us take you through some of the necessary steps that should guide your decision.

Work through your finances

Given the fact that the car markets are permanently flooded with newer and better looking models, it's incredibly hard to settle for anything but the best. But, your finances should be the primary factor during the selection process, as it can save you a lot of heartache later.

• Calculate your monthly expenditure and factor in critical commitments (like loan repayments). These will remain the same whether you have a new ride or not
• Based on this, come up with a rough budget that you can afford. Also, calculate how much you can set aside towards repayment of a car loan, if you go in for financing

Narrow down on a list of cars

• Based on your financials, try to narrow down the car models that would fit into your budget
• Make sure you list down your "needs" vs. your "wants" with respect to your car. Prioritise honestly and practically so that you do not feel the pinch later
• Now research each model thoroughly. Speak with friends and family, research and check reviews on the web, or visit a nearby dealership until you run through each car on your list

Test drive

Take a test drive on the cars you have narrowed down to

• Make sure you test the car in conditions that you will typically encounter every day, so that you can gauge your comfort level
• Check - the seat comfort, leg space and accessibility of all the gauges and buttons

Financing your purchase

In case you need financing:

• Do your research. Look online for the best financing options and get an opinion from people who have purchased a car prior to this
• Make sure you have financing lined up before you go to the dealership. Discussing financing options at the dealership may not be in your best interest, especially if you are looking to take control of the negotiations.

Updated on - 11 Feb 2026

Cruise control refers to an automatic system in cars that is responsible for setting the speed limit without the driver's interference. Once the system is activated, the vehicle stays at the selected speed until the driver intervenes—either by braking, accelerating manually or switching off the function.

In Indian͏ ͏͏cars͏, ͏͏cruise control ͏is becoming a͏ popular feature, particularly in automatic vehicles. While not ideal for congested city traffic, cruise control has proven beneficial in specific driving conditions.

How does the cruise control system work?

Cruise control essentially transfers the job of speed regulation from the driver’s foot to an onboard electronic unit, making driving smoother, more efficient and economical. There are two main types of cruise control— standard and adaptive. Standard cruise control uses a cable or electronic system to control the throttle, allowing the driver to set a specific speed, while adaptive cruise control adds convenience by adjusting speed based on traffic conditions.

In modern cars, cruise control is managed electronically by the Engine Control Unit (ECU). When the driver reaches a desired speed and switches on the system, the ECU receives signals from sensors that monitor the vehicle’s movement. Based on this information, the ECU adjusts the throttle electronically to maintain that speed.

Pros & cons of cruise control

Given below are the cruise control is known to make driving easy and convenient:

• Reduces fatigue during long drives: Maintaining a steady speed without using the accelerator allows drivers to relax their foot, reducing physical strain on extended journeys.
• Improves fuel efficiency: By avoiding constant acceleration and deceleration, cruise control can help optimise fuel consumption.
• Promotes safe driving: Ensures that the car stays within a selected speed limit, helping avoid unintentional speed violations.
• Simple speed adjustments: Drivers can increase or decrease speed using controls on the steering wheel, without pressing the accelerator or brake.
• Ideal for automatic vehicles: Works best in automatic transmission cars, where the need for manual gear changes is eliminated.

While cruise control offers several advantages, it also comes with certain limitations:

• Less effective on Indian roads: Frequent traffic congestion, uneven roads and unpredictable driving conditions limit the practicality of cruise control on Indian roads.
• May reduce driver attentiveness: Continuous automated driving can lead to decreased alertness, potentially increasing the risk of drowsiness.
• Unsuitable for manual transmission cars: Manual gear shifting interrupts the cruise function, making it less effective and inconvenient in such vehicles.
• Challenging to use at night: Reduced visibility and unexpected obstacles can make using cruise control unsafe during dark hours.
• Ineffective on hilly or curvy terrains: Cruise control is not designed for handling sudden elevation changes or sharp turns, where frequent speed adjustments are necessary.

Conclusion

As Indian roads evolve and driving technologies become more advanced, cruise control is expected to gain wider utility. Still, no system re͏͏places the need f͏͏or attentiveness and ͏safe driving practices. To complement features like cruise control, motorists should ensure they have an adequate car insurance policy in place. Whether it's to protect one's vehicle or meet legal requirements, third party car insurance remains essential for every car owner in India.

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.

In order to get rid of congestion and delays at the National Highways (NH) toll plazas, the Ministry of Road, Transport and Highways (MoRTH) has introduced Electronic Toll Collection (ETC) using RFID-based FASTag. With the adoption of this system, you do not need to stop at the toll plazas and can pass away directly. Your ride will be scanned by the system itself and your tax amount will be deducted from your FASTag account the moment it passes from the national highways across the country.  

This blog will talk about the FASTag List and the vehicles that are listed in the exemption category for the toll exemption FASTag.

FASTag Toll Exemption List

Although the Ministry has released the list of vehicles that come under the fast tag exemption it is mandatory for them to have a FASTag sticker for their vehicle.

FASTag exemption list comprises of vehicles of the following -

• President and Vice President of India
• Prime Minister of India
• Governor of the State
• Chief Justice of India (CJI)
• Speaker/Presiding Officer of the Lower House
• Cabinet Minister of the Union
• Chief Minister of a State
• Supreme Court Judge
• Minister of a State
• Lieutenant Governor of a Union Territory
• Chief of Staff
• Chairman of the Legislative Council of a State
• Speaker of the Legislative Council of a State
• Chief Justice of a High Court
• Judge of a High Court
• Member of Parliament (MP)
• Vice-Chief of Army Staff and others in the same position of power such as in Navy and Air Force
• Chief Secretary to a State Government
• Secretary to the Government of India
• Secretary, Council of States
• Secretary, House of People
• Foreign Dignitary on State Visit
• MLA and MLC
• A person who has been awarded Param Vir Chakra, Ashok Chakra, Maha Vir Chakra, Kirti Chakra, Vir Chakra and Shaurya Chakra

• Used For Official Purpose:

• Ministry of Defense personal and those who are eligible under the Indian Toll (Army and Air Force) Act, 1901
• Armed forces of the Centre and the State and State in Uniform, including Paramilitary Forces, and Police
• Executive Magistrate

• Emergency/Utility Vehicles:

• Fire-Fighting Department or Organisation
• NHAI/ Government Organisation utilizing vehicles for the purpose of inspection, construction, or operational or maintenance of national highways and survey.
• Ambulance
• Funeral Van
• Mechanical Vehicles Designed for use by persons with physical disabilities.

According to the Motor Vehicle Act 1988, it is mandatory for all individuals to obtain a learner driving licence to get a permanent driving licence. You can apply online or in offline mode for obtaining a driver’s licence. Moreover, you get a permanent driving licence if you are 18 years of age or above, so for people under 18 years, a learner’s licence is an important document.

In this blog, we will simplify the process of obtaining a learner’s licence. So read on!

 Eligibility to Apply for Learner's Licence

There are a few eligibility criteria that you must fulfil to apply for a learner’s licence-

• You must be at least 16 years of age
• You must get your parent or guardian’s consent.

 Documents Required to Apply for Learner's Licence

Before applying for a learner’s licence, make sure to have the following documents for verification-

Identity and Proofs Required

• Birth certificate
• School certificate with printed D.O.B
• PAN Card
• Aadhar Card
• Voter ID
• Passport

Address Proofs

• PAN Card
• Adhar Card
• Electricity Bills
• Voter ID
• Ration Card
• LIC Bond

Apart from these,

• Medical Certificate, if applicable
• Self-declaration of being medically fit
• 3 Passport size photographs

 How to Apply for Learner's Licence?

You can apply for a learner’s licence online through the ‘Sarathi’ or  ‘Parivahan’ portal of the Road Transport and Highways Ministry or offline by visiting your nearest RTO.

For online application, follow these steps:

1. Visit the “Sarathi” portal and click on “New Driving Licence”
2. The application form will open
3. Complete the application and submit it to receive a confirmation that your request has been processed.
4. Book a slot for your learner’s licence test
5. Take the test; you will receive a learner’s licence if you pass that.

You can also visit the “Parivahan” portal and click “Driving Licence Related Services” to apply online.

Offline application process

1. Visit your nearest RTO and obtain an application form
2. Fill it out and submit it with supporting documents
3. Get a test date
4. Take the test; if you pass it, you will be issued a learner’s licence.

 How Long Does it Take to Obtain a Learner’s Licence in India?

You are issued a learner licence when you are at the learning stage of driving. It is issued to the applicant on the same day. After you have learned to drive and are 18 years and above of age, you can apply for a permanent licence, 30 days after receiving the learner’s licence.

A driving licence is a legal document given by the Indian government to all those individuals who have qualified for the driving test to obtain the same. Driving without an authorised licence is a punishable offence under the Motor Vehicle Act of 1988.

You have to apply at your nearest Regional Transport Authority or Office (RTA/RTO). Once you have passed the eligibility test to drive then you become eligible for obtaining a permanent driving licence.  

 Conclusion

A learner licence is the first step to gaining a permanent licence.You can apply for a permanent licence after a month and within 6 months of getting your learner’s licence. Getting a permanent driving licence means you will be on the road more frequently. Thus, getting a car insurance policy soon after is also recommended, which ensures safety for the vehicle and the owner. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Do the things mentioned here and enjoy your car for longer

After a home, a car is the second most important purchase any individual makes. The car is not just a status symbol but a convenient way of getting from Point A to Point B. Nowadays, cars are built using advanced materials and state-of-the-art techniques, that ensure they remain i working condition for longer.

But, with a little bit more care and attention, it is quite probable to even double or triple your car’s lifespan. Here is what you can do to get the most out of your investment.

Regular Maintenance

Proper, periodic maintenance is the key to the health of your car. A car that is not well maintained will find it hard to cross even 1,00,000 kms. If the maintenance schedule is followed according to what is given in the owner’s manual, then your car can easily cross the 1-lakh kilometre mark without any issues.

From this milestone onwards, servicing of the car should be done depending on how much it is used. Consultation with a trusted mechanic to fix a maintenance schedule for your car can pay rich dividends.

Don’t Drive For Short Distances

Driving to places that can be reached either by walking or cycling is not considered good for your health, or the health of your car. If you wish to keep the original parts running for longer, don’t take the car out for short trips.

Going for short trips doesn’t allow your car the time to reach operating temperature. Water is formed as a by-product of the combustion process, and some of it gets into the engine oil and exhaust. Longer running of the engine ensures that this water boils off and doesn’t mix with unburnt fuel to form a nasty sludge. Experts believe anything less than 8 kms to be a short distance.

Prefer Synthetic Oil

Synthetic oils are costlier than their non-synthetic counterparts. But mostly everyone in the automotive world know that they are the better option. High-performance engines, and those which are turbocharged and supercharged should get synthetic oil. This is because, synthetic oil are better suited to tackling the high thermal stress these engines are put under.

Updated on 10-04-2025

In today's fast-paced world, waiting patiently in queues for your turn has gone out of fashion. This trend is especially true when driving through toll booths or busy highways. The electronic toll collection system in India has made life on the road smoother and quicker by introducing FASTag. It employs Radio Frequency Identification technology for making toll payments. But what if you need to get FASTag urgently? Can you get it within a day? The answer is a resounding yes. This article will show you how to get FASTag in a day.

What is a FAStag?

FASTag is an electronic toll collection system introduced by the National Highway Authority of India (NHAI). It uses RFID (Radio Frequency Identification) technology to enable automatic deduction of toll charges without requiring vehicles to stop at toll plazas. FASTags are linked to prepaid accounts or digital wallets, ensuring hassle-free toll payments.

How Does FASTag Work?

When a vehicle passes through a toll plaza, the RFID scanner detects the FASTag attached to the windshield. The toll amount is automatically deducted from the linked account, allowing for the easy movement of vehicles. The system helps reduce traffic, save fuel, and minimise travel time.

What is the Validity of FASTag?

A FASTag remains valid for five years from the date of issuing. However, users need to maintain sufficient balance in their linked accounts to ensure uninterrupted service. Recharging the FASTag account is simple and can be done through various platforms like mobile wallets, bank apps, or the official NHAI FASTag portal.

How to Buy FASTag Online?

Purchasing a FASTag online is one of the quickest and most convenient methods. Here’s how you can do it:

1. Visit an Official Provider: Banks and online payment platforms, as well as the NHAI website, offer FASTags.
2.  Provide Required Documents: Upload a copy of your vehicle’s Registration Certificate (RC), passport-sized photograph, and KYC documents such as Aadhaar or PAN.
3. Make the Payment: Pay the FASTag issuance fee and the required security deposit.
4. Receive Your FASTag: The FASTag will be delivered to your address within a few days, but express delivery options may be available for urgent requirements.

You can also get a FASTag from My FASTag application.

1. Download the app on your phone.
2. Choose “Activate NHAI FASTag”
3. Find a bank or official service provider from the list on the app.
4. Enter the FASTag ID or scan the QR code for the FASTag to start the process.
5. Fill your vehicle’s registration number and other details.
6. Add your bank details to link with the FASTag ID for auto debit.

How to Get FASTag for New Cars?

If you’ve purchased a new car, the dealer usually provides a FASTag. However, if it’s not included, you can obtain one from an authorised bank or an online provider. Follow these steps:

1. Visit the Dealer or Authorised Bank: Some car dealerships have tie-ups with banks for FASTag issuance.
2. Submit Necessary Documents: Provide the RC, ID proof, and vehicle details.
3. Activate and Link to Your Account: Once issued, activate the FASTag and link it to your prepaid wallet or bank account for easy transactions.

How to Get FASTag in a Day? 

Here is how to get FASTag in one day:

1. Choose an online provider: The best option is to get ahold of an online provider to get FASTag quickly. Several banks and agencies offer FASTtag services. Visit their websites and choose the option to apply for a FASTag.
2. Upload your documents: Upload scanned copies of your ID proof (Aadhar card or passport) and vehicle registration certificate (RC). Ensure all the documents are clear and in the required format.
3. Pay the fees: Most FASTag providers offer various payment methods, including net banking, UPI, and debit cards. The fee depends on your vehicle type and the provider.
4. Verify your details: After completing the payment, double-check all the information you have provided. Ensure your details are accurate, as any discrepancies can delay the process.
5. Delivery address: Provide your delivery address. Ensure it is accurate, as that is where your FASTag will be despatched.
6. FAStag delivery fee: Many providers offer fast-track delivery options for an additional fee. If you need FASTag urgently, consider choosing this option to expedite the process.
7. Wait for delivery: Once your payment is approved and your application processed, your FASTag will be despatched to the registered address. The delivery time can vary depending on your location and the provider, but you can expect to receive it in a day or two.

FASTag Application: Best Practices to Follow

Given below are a few tips to follow regarding a FASTag application-

• Ensure Proper Documentation: Keep your RC and ID proofs handy for a smooth application process.
• Choose a Reputable Provider: Opt for authorised banks or digital wallets to avoid delays.
• Link the Correct Payment Method: Ensure your FASTag is linked to a wallet or bank account with sufficient balance.
• Check Activation Status: Once you receive your FASTag, verify its activation before your journey.

Not only is FASTag an easy tool for vehicle owners, but it is also a mandatory part of four-wheeler insurance, especially third-party insurance. That is why it is essential to follow due process when applying for a FASTag.

How to Remove Old FASTag from Car?

If you need to replace an old or damaged FASTag, follow these steps:

1. Peel Off Gently: Use a plastic scraper or credit card to lift the edges.
2. Use a Mild Adhesive Remover: Apply a solution like rubbing alcohol or warm, soapy water to loosen the glue.
3. Wipe Clean: Ensure the windshield is clean before affixing a new FASTag.
4. Deactivate Old FASTag: Contact the issuing authority to deactivate the old tag to prevent unauthorised deductions.

Conclusion

Getting FAStag in a day is feasible, given the convenience of online applications and digital payment methods. By following these simple steps, you can ensure a speedy and hassle-free experience, allowing you to breeze through toll booths and enjoy uninterrupted highway journeys. So, the next time you need a FASTag urgently, remember that you can get it in just a day, thanks to the efficient online application process.

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.

Introduction

The world of automotive technology is advancing at a pace that's nothing short of astonishing. Every other day, cars are becoming smarter and faster thanks to innovations such as Autonomous Emergency Braking (AEB). Vehicles are fitted with all types of sensors and gadgets to make our lives easier and safer. So, what is AEB in cars, and how does it work? This article takes a closer look at this groundbreaking system that’s transforming how we drive.

What is AEB in cars?

To put it simply, Autonomous Emergency Braking (AEB) is a safety system designed to prevent or mitigate collisions. It's akin to having an extra set of eyes on the road and an extra foot on the brakes. AEB keeps constant track of the road ahead and automatically halts the vehicle if the driver fails to take action. Now that we know what is Autonomous Emergency Braking, let’s understand how it works. 

AEB relies on a combination of sensors and cameras typically mounted on the vehicle’s front. These sensors scan the road, identifying obstacles in the vehicle's path. The obstacles can include other vehicles, pedestrians, cyclists, or stationary objects such as road barriers.

AEB first warns the driver upon detecting a potential crash. This warning can be both visual and audible, such as flashing lights and beeping sounds. The driver is supposed to apply the brakes or steer away to avoid a possible collision.

AEB takes control if the driver fails to respond or if the system determines an imminent collision. Emergency braking is applied with force to prevent the collision or reduce its severity.

Introduction

The digital age has made every task easy, from buying groceries to purchasing cars. All that is needed is a few clicks on your mobile device, and your work is over. This ease of tasking extends to almost every sphere of life, including altering your name and address in official documents. So, if you want to correct your name on your driver's license, whether from a title change after marriage, spelling error or any other reason, this critical update can be made from the comfort of your home. In this blog, we'll show you how to change your name on your driving licence.

Steps to correct your name in driving licence online

Here is how to change the name in your driving license:

1. To initiate the process, visit the official Parivahan portal.
2. Select your state from the drop-down menu. This step is essential as states usually manage driving licence services.
3. After selecting your state, navigate to the "Driving licence" section on the portal and look for the option saying "services on DL".
4. You can access various driving licence services upon being redirected to a new page. To change your name, click on the "Continue" button. 
5. Depending on your state's specific requirements, you may be required to log into your existing account or create a new one on the portal. Follow the prompts to complete this step.
6. The portal will direct you to an online application form. Provide the necessary information, including your old name, new name, and other details. Double-check all the information for accuracy before submitting.
7. Upload scanned copies of your supporting documents, such as a marriage certificate or affidavit for the name change. 
8. Pay the processing fees using the available digital payment methods.
9. Submit the application after reviewing all the details.