Updated on 8 Dec 2025

Every modern vehicle comes equipped with dashboard warning lights, and the brake fluid symbol is one you shouldn’t ignore. This symbol lights up when the brake fluid level is low or if there’s a problem with the braking system.

Since brakes are directly linked to your safety, it’s important to understand what this symbol means and what actions to take when it happens. In this blog, you’ll learn how brake fluid works, what triggers this warning and whether brake failure stemming from this issue is covered under a car insurance policy.

Understanding the brake fluid dashboard symbol

 The brake fluid dashboard symbol is an important warning light in your car that should never be ignored. It typically resembles a circle with an exclamation mark or a small droplet, often glowing red or yellow. When this light appears, it indicates that your car’s brake fluid level is low or that there may be an issue with the braking system. Driving with low brake fluid can make your brakes less effective and increase the risk of accidents. If you see this symbol, it’s best to stop, check your brake fluid and get professional help if needed.

What does the brake fluid symbol mean?

 When this symbol illuminates on your car’s dashboard, it usually implies one of the following:

• Low Brake Fluid Level: This is the most common reason for the brake fluid symbol to light up. The symbol’s appearance indicates that your car’s brake fluid level has dropped below the recommended threshold. Low brake fluid can result from brake pad wear, a leak or simply over time as the brake pads wear down.
• Break System Warning: In some vehicles, this symbol might also be a part of a more general brake system warning light. In such cases, it signifies a broader issue with your vehicle’s braking system, such as a malfunctioning brake master cylinder, brake lines, or brake callipers.
• ABS (Anti-lock braking system) Warning: Some vehicles may use a similar symbol to indicate a problem with the ABS, which is closely related to the brake system.

Understanding the brake fluid symbol is crucial for your safety on the road. If this warning light suddenly lights up on your car’s dashboard, you mustn’t take it lightly. Low brake fluid can lead to reduced braking performance or, in extreme cases, brake failure.

Common causes for the brake fluid symbol to illuminate

The brake fluid warning light typically illuminates when an issue arises with the braking system. A common reason is a low brake fluid level, which may happen due to leaks or worn-out brake pads. Sometimes, the sensor that monitors fluid levels may be faulty and trigger the light.

In other cases, old or contaminated brake fluid can also cause the symbol to appear. Since the braking system is crucial for safety, it’s best to have your car checked immediately whenever this warning appears.

Safety actions to take when the brake fluid symbol appears

If the brake fluid warning light turns on while you are driving, it means your car’s braking system needs immediate attention. Pull over safely and check the fluid level. Avoid driving long distances if the level is low, as it can weaken braking power and risk failure.

The safest option is to call roadside assistance or visit the nearest mechanic for a refill or repair. Acting quickly protects both your safety and your car from further damage.

Importance of car insurance in these scenarios

Comprehensive car insurance helps cover repair costs, medical expenses and third-party damages, protecting you from heavy out-of-pocket payments. It also protects you legally, as driving without valid insurance is illegal and can lead to fines and penalties. Beyond financial protection, insurance provides peace of mind, helping you stay focused on the road and knowing you are prepared for unexpected situations.

Conclusion

The brake warning that you get on your car’s dashboard is an important sign that must never be ignored. It often indicates low fluid or a fault in the braking system, both of which can compromise safety. If it appears, check the fluid level, seek roadside help, or consult a mechanic immediately. Acting quickly prevents accidents and keeps your vehicle in good condition for safe driving.

FAQs

• Can I drive if the fluid light flashes?

You must not drive when you see the light on the dashboard. Instead, check the fluid level or have your car inspected by a mechanic.

• Can I fix my brake fluid light?

In some cases, topping up the brake fluid can turn off the warning. However, the light may also indicate leaks or worn components, which require a mechanic’s inspection and proper repair.

• What is the colour of bad fluid?

Usually, the colour of bad fluid will be black or dark brown. It indicates that the fluid needs to be changed.

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.

Updated on 7 Jan 2026

Car accidents can be traumatic and stressful, raising a million questions in your mind at once and leaving you in a state of panic. Everything happens so quickly, you do not get the time to analyse the situation and react suitably.

While you are puzzled by what's happening around, it's important to ensure that everyone involved in the accident is safe. You also need to ensure that all legal steps are followed, and you get the appropriate compensation for your losses, if any.

Things to follow after a car accident

Here are a few things to do after a car accident:

• Calm yourself: An accident may leave you in a state of panic, shock, fear, guilt, anger, nervousness or mixed emotions. While these reactions are normal, calm yourself down to deal with the situation. Take deep breaths or count to 10, or try whichever routine that makes you calm.
• Determine injuries: Immediately after an accident, assess yourself and other passengers for injuries. Once you feel it is safe to move out of the car, check for other drivers' and passengers' injuries. If necessary, immediately call for an ambulance and wait for the help to arrive.
• Move your vehicle: If possible, safely drive your vehicle to the side of the road, out of the path of moving traffic. This will ease the congestion on the road and also keep you at a safe distance from traffic while you exchange important information with witnesses.
• Gather information: Talk to other drivers involved in the accident and try to get their names and phone numbers. Note down the model and license plate number of all the vehicles involved in the accident. Take pictures of the vehicles and people involved. Record statements of witnesses and make sure they agree to cooperate in the future.
• File insurance claim: Immediately inform your insurance company about the car incident and provide them with all relevant information. Do not lie or hide facts while recording a statement, and try to be as accurate as possible. The other driver may ask for an unnecessary claim; therefore, make sure your insurer has your version of the accident as soon as possible.

Frequently asked questions

• Should I file an FIR for a minor car accident?

If there are no injuries and minimal damage, it is not mandatory. But it is advisable to have an FIR for insurance claims and legal safety.  Even if it looks like a minor accident, it is better to call the police. This way, you will have an official record of the accident, even if the other driver disputes it and tries to sue you. Also, police can dispatch necessary assistance in a serious accident.

• What is zero depreciation car insurance, and how is it helpful after an accident?

Zero depreciation car insurance ensures that your insurer covers the full cost of parts replacement without subtracting depreciation, resulting in a higher claim amount and minimal out-of-pocket expense.

• Can I claim insurance without a police report?

Some insurers may allow claims without an FIR for minor accidents, but it is safer and easier to claim with a police report.

• What if the other driver is uninsured?

Your comprehensive four wheeler insurance will still protect you. However, recovery from the other party might involve legal proceedings.

Conclusion

Knowing what to do after a car accident can make a world of difference in handling the situation efficiently. From ensuring safety to filing a proper four wheeler insurance claim, each step plays a vital role. If you’re someone who values complete coverage, opting for zero depreciation car insurance offers peace of mind and financial protection.

You must have  comprehensive car insurance and be in constant touch with your insurer and repair shop after an accident to settle your claim fast. Opt for an insurer that provides prompt claim settlements and a track record of a high claim settlement ratio.

Stay informed, drive safely and always be prepared for the unexpected.

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.

Updated on - 13 Jan 2026

A high-security registration plate (HSRP) is a tamper-proof licence plate mandated for all automobiles by the government to enhance vehicle security and traceability. Applying for it online and offline is a simple process that saves time and effort. Vehicle owners can complete the application through the state transport department’s website or the nearest authorised dealer.

Beyond being a legal requirement, HSRP also has a connection to your car insurance policy. This guide explains how to get a high-security number plate and its implications for your coverage.

What is a high-Security Registration Plate (HSRP)?

A high-security registration plate (HSRP) is a specialised aluminium number plate introduced to standardise vehicle identification and enhance traceability, especially across states. It helps prevent theft, reduce counterfeiting and improve road safety.

Each plate is laminated with a reflective film for visibility in low-light conditions and includes a chromium-based hologram featuring the Ashoka Chakra, a unique 10-digit laser-etched identification number (PIN) and the ‘IND’ mark in blue. These details link the vehicle’s chassis and engine numbers with the NIC (National Informatics Centre) database.

The HSRP also uses a non-removable snap-lock that breaks if tampered with and a self-destructive aluminium design that prevents reuse. Additionally, a third sticker with the PIN is affixed to the windshield for added security.

Colour codes remain standard, white for private vehicles and yellow for commercial ones. For vehicles sold before April 1, 2019, HSRP installation is mandatory. Driving without one can lead to penalties ranging from INR 5,000 to INR 10,000, depending on the state.

How to get a high-security number plate?

There are different ways to get a high-security number plate for your vehicle. The process is simple, but make sure to do it through authorised dealerships or the portal approved by your State Transport Department. 

If you prefer getting the HSRP in person, consulting the nearest RTO is the best and authentic option. They will provide a list of authorised HSRP fitment centres in your area. Carry the originals and photocopies of the documents required and visit the centre. The officials will verify your registration certificate and ID and generate a booking receipt. Pay the fee and get the plate installed by a technician. It may happen on the same day or a few days later, depending on how fast the HSRP is manufactured.

Do not forget to affix the third-registration sticker on the windscreen and ensure the plates show the exact registration number, spelling and font. A colour-coded sticker is an essential part of the HSRP, highlighting the fuel type of the vehicle (orange for diesel, blue for petrol and green for EV/ CNG). Fix it too. Keep the installation receipt safe for future reference.

Process to apply online for HSRP

If you are wondering ‘how to get a high-security number plate online,’ follow the steps below.

1. Visit the HSRP website for your state or the main website, bookmyhsrp.com.
2. Click on “Book” under “High Security Registration Plate with Colour Sticker.”
3. Provide vehicle details. Enter the registration number, chassis number, engine number, phone number and state.
4. Choose between home installation or dealer installation and click proceed.
5. Pick the right colour-coded sticker for your vehicle’s fuel type.
6. Select the nearest dealer or fitment centre where you want to install HSRP and the booking slot.
7. Pay the fees online to confirm the booking date and slot.
8. Visit the fitment centre on the appointment date. Don’t forget to carry your original vehicle-related documents.
9. Get your HSRP installed and a third, colour-coded sticker fixed on your windshield.

Documents required for HSRP installation

You will have to submit the following key documents to the fitment centre or authorised dealer when getting the HSRP fitted to your vehicle:

1. Vehicle registration certificate (RC)
2. Identity proof, like an Aadhaar card, a passport, a PAN card or a driving license
3. Address proof, such as rental agreement, bank accounts and utility bills
4. Payment confirmation receipt to show that you have paid the fees for HSRP affixation.

Carry original and photocopies of the document to streamline the process.

How to track HSRP application status?

Use the following instructions to track your HSRP application status:

1. Go to the official website, i.e. bookingmyhsrp.
2. Click on “Track Your Order” or a similar option on the site.
3. Enter your name, state, phone number, vehicle details and captcha.
4. After submitting the details, you may access your HSRP application status and projected date of installation.

HSRP and car insurance: Why it matters?

HSRP actually plays a crucial role in the validity of your car insurance plan. Here’s why HSRP matters for your insurance:

● Proof of insurance

When you purchase car insurance, the vehicle’s registration number (and the plate) becomes the primary identifier for your policy. It also legally links your vehicle to your insurance coverage. Not having the HSRP could lead to higher premiums and even policy rejections during renewal.

● Influences claim processing

Insurance companies verify vehicle details through registration numbers when processing claims. Without proper HSRP compliance, you may face delays or complications during claim settlement. It could also lead to claim rejection.

● Impacts third-party liability

Third party car insurance specifically covers your legal liability towards others in case of accidents. If your vehicle doesn’t have HSRP, the lack of proper identification could complicate liability determination and the lawsuit made against you.

Conclusion

Now that you are aware of how to get a high-security number plate, remember that they are a beneficial upgrade for your vehicle. Installing it on time will not only help you stay compliant with the transport laws but also ensure your car insurance remains valid and effective when you need it the most.

While you focus on safe and responsible driving, consider exploring insurance options that can provide financial protection during unexpected incidents. Get tailored car insurance advice and solutions by filling out the form provided on this page.

FAQs

1. What to do if my HSRP is stolen or damaged?

For missing or damaged HSRPs, you can apply for a replica. Visit the Booking My HSRP website and find the section “duplicate or replacement HSRP number plate.” Follow the process mentioned and schedule reinstallation. In case of theft, report the incident to the local RTO and police station immediately for your vehicle’s safety.

2. Do I need to renew HSRP every year?

Once installed, high-security registration plates are valid for a lifetime.

3. Will an HSRP reduce my car insurance cost?

Having an HSRP doesn’t directly reduce your car insurance premium, but it helps avoid penalties and claim disputes. It could also help your theft claims process faster due to the standardised automated tracking system linked to the plate.

4. Can I install an HSRP at any local shop?

HSRP installation can only be done through authorised vendors or state transport departments. Local roadside shops are not permitted to issue HSRPs.

5. Can I transfer my HSRP to a new vehicle?

No. Each HSRP is uniquely linked to a specific vehicle and cannot be transferred.

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.

Have you ever thought about why certain cars in India have unique number plates? When you are out and about, you might notice special holograms, stickers, or laser codes on some cars. Well, these are not just for show. They serve a crucial purpose known as the High-Security Number Plate or HSRP system. This system is mandatory for all vehicles in India. 

The government implemented it to enhance road safety and prevent fraudulent activities. Here, we will break down what is a high-security number plate, how it contributes to our safety, and why it is important.

What is a High-Security Registration Plate?

Let’s begin by deciphering what is a high-security registration plate and its components.

A High-Security Registration Plate (HSRP) is a tamper-proof vehicle number plate. It comprises aluminium and boasts advanced security features such as the ones listed below.

Typically, a chromium-based hologram reflects light and changes colour when viewed from different angles. This hologram contains the Ashoka Chakra symbol and the letters “IND.”

There is a hot-stamped alpha numeral with a retro-reflective sheet. It makes the number plate visible at night and from a distance. The colour of the alpha numeral indicates the type of vehicle. White for private cars, yellow for commercial vehicles, and red for government vehicles.

HSRP also has a laser-etched PIN (laser code). It is unique for each vehicle and contains the details of the manufacturer, State code, district code, and serial number. You can scan this PIN with a handheld device to verify the vehicle’s authenticity.

You will also notice a colour sticker on the plate. It indicates the vehicle’s fuel type. Here, light blue means petrol or CNG, orange means diesel, and green means electric or hybrid. This sticker also contains the vehicle’s registration number and the PIN.

A power steering system is an essential innovation in the automotive industry that makes steering effortless and quick. Power steering uses hydraulic or electric assistance to help the driver turn the steering wheel, in contrast to traditional manual steering systems, which require much physical effort.

This technology has considerably improved driving comfort and safety by requiring less effort to move a car, particularly at low speeds or when parking. In the following section, we will help you understand what is power steering and how it works. So, let us get started right away!

What is Power Steering in Cars?

This technology assists drivers in steering their vehicles more quickly and efficiently. The stages that make up a power steering mechanism are as follows.

• First Step

The steering column rotates as a result of the driver’s input on the steering wheel.

• Second Step

The steering column’s motion is subsequently transmitted to the pinion and rack using the universal joint.

• Third Step

The two gears in the pinion and rack turn the car wheels in the appropriate direction.

Now, let’s look at the three different types of power steering systems.

1. Hydraulic power steering

• Hydraulic Power Steering employs an engine-driven pump connected to a serpentine belt.
• This pump pressurizes hydraulic fluid to help with steering.

2. Electric power steering

• Electric power steering uses electrical energy to help with steering.
• To improve control, a bi-directional magnet motor fixed to the steering column or gear activates in response to the driver’s input.

3. Electro-hydraulic power steering

• The hybrid electro-hydraulic power steering system includes elements of both hydraulic and electric steering systems.
• Its structure is quite like a hydraulic system but employs an electric motor for assistance.

In wet or rainy weather, hydroplaning, also known as aquaplaning, happens when a vehicle’s tires lose contact with the road because of a thin layer of water. It occurs as a result of excessive speed or worn tire treads; this makes it difficult for tires to remove water and maintain traction.

Slowing down, maintaining good tire condition, avoiding cruise control in wet conditions, and circumventing standing water are all ways that drivers can lessen their risk of hydroplaning. When hydroplaning happens, drivers should maintain composure, let off the gas, turn softly, avoid rapid manoeuvres, and wait for the wheels to regain traction. Continue reading the following section, which will give you an insight into what is hydroplaning, including its causes and how to avoid it.

What is Hydroplaning or Aquaplaning?

Hydroplaning, or aquaplaning, occurs when a vehicle’s tires lose traction on a wet road due to a thin layer of water. Key factors influencing hydroplaning include:

• Speed

Higher speeds increase the risk of hydroplaning as tires struggle to displace water effectively.

• Road Conditions

The presence of oil, debris, or uneven road surfaces can exacerbate hydroplaning.

• Rainfall Intensity

Heavy rain can lead to faster water accumulation and higher risk.

• Vehicle Weight and Size

 Heavier vehicles are more prone to hydroplaning due to increased momentum and tire loads.

• Driver Behaviour

 Aggressive driving and sudden manoeuvres can disrupt a vehicle’s balance.

• Proper Maintenance

Regular vehicle upkeep, including tire checks and braking system maintenance, can reduce hydroplaning risk.

You may significantly lower the likelihood of hydroplaning occurrences by following these tips.

• Reduce speed on wet roads.
• Drive defensively and maintain safe distances.
• Monitor and maintain proper tire tread depth.
• Regularly check and maintain recommended tire pressure.
• Rotate tires for even wear.
• Invest in high-quality, wet-weather performance tires.

Familiarising yourself with a place's traffic rules and regulations is essential to ensure your safety and that of others. However, you may end up inadvertently violating some rules at times. In India, a common violation is driving without valid car insurance and getting caught. In such cases, you must pay a fine or face other consequences depending on the offence. But how do you know if the traffic police have issued you a challan or a penalty notice? And how do you pay it online or offline? That is where the e-challan system comes in handy.

Understanding How the E-Challan System Works

The e-challan system is a computer-generated challan launched by the Indian traffic police to penalise traffic rule violators. This automated e-ticketing system notifies drivers who violate traffic regulations through SMS or email. The Motor Vehicles Act of 1988 has made the e-challan or the electronic form of challan payment an official notification.

The e-challan system is an initiative of the Union Ministry of Road Transport and Highways (MoRTH), and the National Informatics Centre (NIC) implements it.

The e-challan system works in the following way:

• The traffic police use CCTV cameras, speed cameras, mobile cameras, or handheld devices to capture images or videos of vehicles that break any traffic rules.

• The captured images or videos are then sent to the central server, where traffic officials process and verify them.

• Traffic officials then use the verified images or videos to generate an e-challan with the details of the vehicle number, driver's name, offence committed, date and time of the violation, location of the breach, and amount of fine.

• The traffic department sends the e-challan to the registered mobile number or email address of the vehicle owner or driver through SMS or email. The vehicle owner or driver can also check their e-challan status online by visiting the official website of MoRTH or using the e-challan app.

• The vehicle owner or driver must pay their e-challan online using a debit or credit card or net banking, UPI, and wallet. To pay offline, they must visit any designated traffic police station or court within 60 days from the issue date.

• Once the payment is acknowledged, the vehicle owner or driver will receive a confirmation message or receipt as proof of payment.

You might have decided to buy a new car or upgrade your car for several reasons. For example, as your lease ends, you have the option to purchase or lease anew. Newer vehicles may offer better mileage. Further, new cars often boast advanced features for safety and pleasure, thus lowering accidents and harm. Here is a list of the best mileage cars that might suit you.

Best mileage cars in India

The following are some of the highest mileage cars that you may consider purchasing:

Maruti Suzuki S-Presso

• Equipped with a 1.0-litre petrol engine, Maruti Suzuki S-Presso generates 65.7 bhp and 89 Nm of torque.
• Maruti Suzuki S-Presso achieves an impressive mileage of 24.1 km/l.
• Maruti Suzuki S-Presso has a 5-speed manual gearbox.
• The Maruti Suzuki S-Presso is typically recognised for its unique style and exceptional fuel efficiency.

Maruti Suzuki Alto K10

• Maruti Suzuki Alto K10 is renowned for its fuel efficiency and cost-effective maintenance.
• The Maruti Suzuki Alto K10 is one of the best mileage cars.
• Maruti Suzuki Alto K10 has a 5-speed manual gearbox.
• Maruti Suzuki Alto K10 boasts an impressive fuel economy of 24.3 km/l.
• Maruti Suzuki Alto K10 is typically powered by a 1.0-litre petrol engine, which typically produces 65.7 BHP and 89 Nm of torque.

It is always important to use designated parking areas like garages, parking lots, and roadside parking zones for your vehicle. By sticking to this practice, you lower the chances of your vehicle getting stolen or damaged. Further, you also avoid the inconvenience and expense of getting a hefty traffic fine. There are several ways to park your car, and parallel parking is one of them. Parallel parking is a tricky method that involves positioning your vehicle in alignment with the road, alongside other parked cars, facing the same direction as the traffic on that side of the road. Let’s look at some popular car parallel parking tips.

Tips for parallel parking cars

Take a look at some popular parallel parking tips for beginners:

• Begin by finding a suitable parking spot that's larger than your vehicle, and remember to keep a distance of about one to two feet from the car ahead of your chosen parking spot. This initial space is vital for the parallel parking process.
• Shift into reverse gear while staying mindful of the presence of other vehicles and pedestrians in your surroundings.
• When you want to fine-tune your position, switch to the forward gear, allowing for an equal amount of space both in front and behind your car, thus optimising the available parking area.
• To signal your intention, make use of your turn signal.
• Once your vehicle's rear bumper aligns with the one in front, sharply turn your steering wheel to the right to bring your car's rear end closer to the curb.
• As you reverse, maintain alignment by positioning your car's rear bumper parallel to the car in front.
• One of the effective parallel parking tips involves turning your head to monitor the car behind through the rear window while reversing, adjusting your speed accordingly.
• Manage your vehicle's speed and steering with precision.
• As your car's front end clears the rear bumper of the front vehicle, straighten the steering wheel to parallel-align your car with the curb.
• Continue reversing until your vehicle forms an angled position towards the curb.

In India, it is now easier than ever to check the status of your Pollution Under Control (PUC) certificate online, making the procedure more efficient for car owners. To guarantee that vehicles fulfil emission regulations and contribute to cleaner air, the PUC certificate is required. You may easily check PUC status online by visiting official websites or using mobile apps. Thus, it is important to note that, along with this, comprehensive car insurance is important as it provides financial security in the event of damage and accidents.

What is a Pollution Under Control (PUC) Certificate?

A Pollution Under Control Certificate is a document that attests that the pollutant level in your vehicle exhaust is under the legally permissible limit. It is a government-mandated document to decrease carbon emissions and to fulfil the larger vision of sustainable development.

Why is PUC Certificate Essential for Vehicles in India?

A PUC certificate is mandatory for driving on Indian roads because-

• It ensures environmental compliance and protects the vehicle owner from penalties for driving without essential documentation.
• It helps keep high-emission vehicles away from the roads, ensuring a clean and green environment.
• Regular pollution checks help mainatin the vehicle in good health.

What is the Validity Period of Your PUC Certificate?

 The validity period of a PUC certificate is usually 1 year from the date of issuance for new vehicles and 6 months for older ones. It is advisable to be aware of its expiry date and get it renewed on time.

• Steps to Check the Status of PUC Certificate Online 

Follow the following steps to check PUC status online-

Open the Portal:

• Go to https://vahan.parivahan.gov.in/puc, the official website. This is the main website where you can easily check the status of your PUC.

Find Section PUC Certificate:

• Identify and select the 'PUC Certificate' area on the webpage.

Enter Registration Number:

• Enter the registration number of your two-wheeler as it appears on the paperwork associated with your car.

Chassis Number 

• Enter the final five digits of the chassis number for your four-wheeler.
• This data is essential for confirming and validating the details of your vehicle.

Captcha Verification:

• Verify the captcha by entering the code that appears on the screen.

Check PUC Status:

• You will have instant access to your PUC Certificate status upon finishing the steps listed above.

How to Download Your PUC Certificate?

You can easily download your PUC certificate from the online portal of the Ministry of Road Transport and Highways.

• Go to the Parivahan portal and find the Pollution Under Control Certificate section.
• Provide the vehicle RC number and the last five digits of the chassis number.
• If your PUC is valid, you will see the option of “Download.”
• Download and save the PUC certificate.

Conclusion

The Pollution Under Control certificate is an important document related to your vehicle. All automobiles on Indian roads are required to have a PUC certificate to ensure that their pollution levels are under control and they are contributing to the national aim of a sustainable future. The document not only ensures legal compliance but is also vital for purchasing four-wheeler insurance. Make sure to carry your PUC certificate when driving and become a part of creating a better tomorrow.

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.

Driving is a significant responsibility, and laws exist to ensure that only qualified and mature individuals operate vehicles on the road. Underage driving, which involves individuals operating a vehicle before reaching the legal driving age, is a legal violation and a public safety concern. Knowing the rules, fines and preventive measures around underage driving is essential— not just for young individuals, but also for parents, guardians and society as a whole.

Let us get a quick overview of underage driving laws, the consequences involved and the roles different stakeholders play in preventing it.

Things to keep in mind about underage driving

Here are some essential underage driving rules worth making a mental note of:

• Age limitations: Most countries have explicit age limitations for acquiring a driver’s licence. It is essential for teens and their parents to be mindful of these rules and to follow them. Driving without a valid licence may lead to severe punishments and penalties.
• Learner’s Licence: Teen drivers can get a Learner’s Licence or permit in several jurisdictions before getting a Driver’s Licence. These permits enable underaged drivers to acquire driving knowledge under the guidance of a licenced supervisor. Parents need to ensure that their kid follows the regulations of a Learner’s Licence.
• Zero-tolerance guidelines: Many governments have enforced zero-tolerance guidelines concerning underage drunk drivers. This means that any hint of liquor in the bloodstream of an underaged motorist can land him/her in trouble.
• Parental commitment: As parents, forming a good example for your children is essential. They should know about the threats that disobedience of underage driving rules and illegal practices can pose. Open communication and keeping the car or bike insurance policy handy can go a long way in averting unfortunate mishaps.

Fines & penalties for underage driving

The consequences of underage driving can be severe.

• Fines

If a person is caught driving without a licence, they can face hefty fines. The amount varies depending on the offence and circumstances. Courts also have the power to impose fixed penalty notices.

• Licence suspensions or disqualifications

Underage drivers caught driving illegally will likely have their driving privileges revoked once they reach the legal age. They might also be required to retake their driving test.

• Community service and education programmes

Some courts may order young offenders to complete community service or attend driving safety courses.

• Criminal record

Repeated or dangerous underage driving can result in a criminal record, affecting future opportunities such as employment or higher education.

It is important to remember that penalties not only apply to the driver but also to anyone who knowingly allows or encourages underage driving. Parents and guardians may be held responsible if they permit or fail to prevent their child from driving illegally.

Measures taken by the government

Governments around the world have implemented various measures to reduce underage driving and improve road safety.

• Strict licensing requirements

Many countries have a minimum age for obtaining a provisional licence and mandate passing written and practical tests. Graduated driver licensing systems have been introduced to gradually increase driving privileges based on experience and age.

• Road safety campaigns

Public awareness campaigns highlight the dangers of underage driving and promote responsible behaviour. These campaigns target young people using social media, schools and community events.

• Increased law enforcement

Police regularly carry out checks and patrols aimed at detecting and preventing underage drivers on the roads.

• Penalties and legal action

Legislation ensures penalties for underage drivers are clear and strict, deterring potential offenders.

• Collaboration with schools and communities

Some governments work with educational institutions to integrate road safety education into the curriculum. Community programmes may also offer safe driving workshops.

Measures to be taken by parents

Here are some important things parents should talk about with their kids about underage driving:

• Severe penalties: Underaged and unlicensed driving can lead to severe punishments that stay on the record. Parents and guardians should explain these regulations to their children to help reduce underage driving. Penalties include fines, suspension of licence or even imprisonment for a few months to 3 years, as per the Motor Vehicles Act. Under this Act, parents can be fined up to INR 25,000 if the authorities catch their underaged kids driving without a licence. The penalty depends on the harshness of the crime.
• Illegal activities: If a teenager gets caught driving illegally, such as driving under the influence of alcohol, the parents should cooperate with law enforcement agencies. It is important for teenagers to take accountability for their activities and ensure they learn their lessons so that they don’t drive recklessly in the future.
• Hazard for the car owners: Teenagers who drive carelessly or illegally run a higher risk of getting into accidents. Parents should be mindful of the same and discourage teenagers from unlawful driving. It is against the law to drive any vehicle without a valid license. And if the kids get caught doing this, they can be held liable for any harm or damage rendered to anyone in the process. This can also result in considerable economic and legal problems. To avoid such damage, it is better to teach children and young adults about the problems they could cause and get a bike or car insurance plan to ensure financial safety.

Conclusion

Underage driving is a serious issue with potentially dangerous consequences. Laws and penalties exist to protect young people and the public, making it illegal to drive without meeting the minimum age and license requirements. In addition to legal compliance and parental guidance, comprehensive car insurance is a key component of responsible driving. While third-party insurance is mandatory and covers damages or injuries caused to others, comprehensive coverage goes much further.

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.

When you're the one behind the wheel, it's your responsibility to protect not only those in the vehicle, but also pedestrians sharing the road with you. While the idea of driver safety might seem simple, it's crucial to understand that there are many behaviours and actions that can actually be considered unsafe when you take a closer look. Performing notorious actions like driving faster than the speed limit, and accelerating aggressively, can seriously put your safety at risk. We’ve put together a few tips to follow as a new car driver, especially if you are driving an automatic car for the first time.

Automatic car driving tips

Take a look at some helpful automatic car driving tips to follow:

• Control your anxiety

Feeling excessively anxious can negatively affect your driving performance. It's vital to maintain your composure while holding the steering wheel. Even before you start driving, ensure you're comfortable in your seat. Adjust the seat to an upright position, get your feet comfortably positioned, and relax your hands on the steering wheel. Don't forget to fasten your seatbelt securely before you begin driving the car.

• Know your manual car

Despite the differences between manual and automatic vehicles, the core driving techniques remain largely the same. Essential skills like adjusting your speed and making turns will carry over from manual to automatic cars. So, before you start driving an automatic car for the first time, it's wise to practise extensively with manual cars before transitioning to automatic ones.

• Know the gears

As a beginner driver, it's crucial to become skilled with the three types of gears. The ‘Park’ gear keeps your wheels stationary, providing better control over the steering. It's a good idea to begin with the car in park gear when you start and stop. While driving, gradually switch to the ‘Drive’ gear, designed for open roads. In heavy traffic, consider using the ‘Neutral’ gear to facilitate smoother transitions. This helps ease the strain on your brakes and tires, ensuring your safety and your vehicle’s too.

Most new car owners wonder what a pedal shifter is. It is a clever feature in modern cars worth getting to know. They're discreet switches conveniently located behind the steering wheel. These unassuming controls are your ticket to manually managing your vehicle's gears without grappling with the traditional gear lever. Not only does this enhance the safety of gear changes, but it also offers a swifter and more engaging driving experience. So, let's delve into the world of paddle shifters, demystifying what they are and how do paddle shifters work.

What is a paddle shifter in cars?

Paddle shifters, sometimes called pedal shifters or gear shift paddles, are specialised controls discreetly tucked behind the steering wheel. Their origin lies in racing cars with sequential transmissions that facilitate lightning-fast and precise gear changes.

How do paddle shifters work in a car?

• In standard road cars, paddle shifters bring the thrill of manual gear selection to automatic transmissions, making your drive more engaging.
• Typically appearing in pairs, the right paddle usually bears a "+" symbol, while the left displays a "-," representing their respective functions: upshifting and downshifting.
• Operation is intuitive – pulling on the right paddle shifts to a higher gear, while the left pull takes you down to a lower gear.
• Paddle shifters shine when the vehicle is in manual or sport mode, enabling you to override the automatic transmission's gear selections.
• They provide greater control and responsiveness, permitting you to tailor gear choices according to the road conditions and your driving preferences.
• Paddle shifters prove invaluable when navigating twists, inclines, or slippery surfaces. They grant you the power to optimise your vehicle's performance, ensuring a smoother ride.

What are the types of transmission that use paddle shifters?

Paddle shifters are commonly found in vehicles with automatic transmissions, including:

• Traditional Automatic Transmissions: Allowing manual gear selection for a more engaged driving experience.
• Dual-Clutch Transmissions (DCT): Providing rapid gear changes, often found in performance-oriented vehicles.
• Continuously Variable Transmissions (CVT): Simulating gear steps to offer drivers a sense of manual control.

When is the correct time to shift gears using paddle shifters in cars?

Appropriate use of paddle shifters includes:

• Navigating Curvy Roads: Downshifting before entering a curve can provide better control and stability.
• Descending Steep Grades: Downshifting helps utilise engine braking, reducing reliance on brake pads and preventing overheating.
• Overtaking: Downshifting can increase engine RPMs, providing additional power for swift acceleration.

Conclusion       

Now you know what paddle shifters in the car. They bridge the gap between manual and automatic transmissions. Positioned conveniently behind the steering wheel, these seemingly inconspicuous controls make gear changes safer and faster.

When buying a vehicle equipped with paddle shifters, it is also essential to consider car insurance online to protect your investment. Many insurers offer benefits such as NCB in car insurance (No Claim Bonus), which can help reduce premium costs if you maintain a claim-free record. By combining the thrill of paddle shifting with smart insurance decisions, you can enjoy a seamless and secure driving experience.

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.  

Updated on 10-04-2025

One technology that's gaining widespread use is Continuously Variable Transmission. This unassuming yet impactful system, often indicated by a "+" and "-" symbol, is pivotal in modern cars, allowing seamless gear changes without the need for traditional gear shifts. Understanding the pros and cons of CVT is crucial for making informed decisions about your vehicle. We'll explore these aspects in detail, delving into the world of CVT and its impact on your driving experience.

Pros of CVT

Let us discuss the benefits of CVT:

• Enhanced Fuel Efficiency

CVT-equipped vehicles are renowned for their superior fuel efficiency. It is especially crucial in a world where rising fuel costs are a significant concern. Many hybrid and Plug-in Hybrid Electric Vehicles (PHEVs) employ CVTs to optimise fuel consumption.

• Hassle-free Seamless Long-Distance Drives

CVTs operate using a belt-driven system that smoothly adjusts the rotation of the rotor disc or pulley in response to power input and the car's momentum. The result is an exceptionally smooth driving experience with no sudden jolts or jerks, which becomes especially noticeable during long-distance journeys. CVT technology ensures your engine remains calm and composed even on extended drives.

• Desired Power All the Time

Unlike traditional gearboxes with fixed gear ratios, CVTs offer an array of infinite gear ratios. This feature leads to rapid and responsive acceleration. You can enjoy a powerful surge without worrying about gear shifting when tackling uphill terrains. It proves exceptionally advantageous on highways, where your car effortlessly attains cruising speeds.

• Fewer Parts and Lighter Weight

CVTs simplify the shifting process, resulting in fewer components needed for manufacturing. Hence, in turn, lower maintenance costs and a decreased likelihood of mechanical failures due to the reduced number of parts. Additionally, the absence of gear requirements contributes to a lighter engine, directly enhancing fuel efficiency.

• Adaptive to Driving Conditions

CVTs can quickly adapt to various driving conditions. Whether you are navigating through city traffic or coasting on a highway, the CVT adjusts gear ratios in real-time based on your acceleration and driving demands. This adaptability ensures optimum engine performance, irrespective of the driving scenario.

• Reduced Wear and Tear

Since CVTs operate without the abrupt gear changes seen in traditional transmissions, there's less wear and tear on the engine and transmission components over time. The constant and smooth adjustment of gear ratios means the engine doesn't experience sudden load changes, which can extend the vehicle's lifespan.

 Cons of CVT

There are a few drawbacks of CVT, such as:

• High Maintenance Costs

CVT engines require specialised oil that cannot be mixed with regular transmission fluids. In conventional engines, oil is primarily used for lubrication, while in CVTs, it secures components and prevents slippage. This unique requirement significantly raises maintenance costs compared to traditional transmissions.

• Peculiar Acceleration Tone

Drivers of CVT-equipped cars may notice a distinctive sound during acceleration, often referred to as the "rubber band effect." This phenomenon results from the belts' continuous contraction and expansion within the CVT unit. While this sound doesn't significantly affect power delivery, it creates a non-linear and atypical acceleration sound compared to other transmission types.

• Costly Repairs

CVTs have a higher likelihood of failure than conventional transmissions. Generally, CVTs are considered reliable up to around 80,000 to 90,000 kilometres. Beyond this point, the CVT belt begins to wear and deteriorate. As a result, car manufacturers often opt to replace the entire transmission system, leading to substantial repair expenses.

• Issues at Higher RPMs

While CVTs offer a wide range of gear ratios, they require careful monitoring at higher RPMs to prevent the vehicle from entering the danger zone. In certain situations, the CVT unit may incorrectly interpret input and unnecessarily rev the engine to a higher gear, potentially causing performance issues. It necessitates attentive driving and engine management at higher speeds.

• Limited Engine Feel

Some driving enthusiasts prefer the tangible sensation of gear shifts, which CVTs lack. This continuous transition between gear ratios often leads to a feeling of detachment from the driving experience.

• Heat Sensitivity

CVTs are known to be sensitive to high temperatures. Continuous driving under demanding conditions, like towing or driving in hilly terrains, can cause the CVT to overheat.

Conclusion  

Now that you're well-informed about the pros and cons of Continuously Variable Transmission, you can make a more educated decision when selecting a vehicle. Purchasing a car is a significant investment that requires thorough research. If you feel comfortable with CVT technology, you can consider vehicles that feature it. When buying a car, don't overlook the importance of the right car insurance policy, which safeguards your vehicle on the roads. ICICI Lombard offers comprehensive four-wheeler insurance plans that you can compare and choose online to ensure your car's protection.

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.

A Pollution Under Control (PUC) certificate is mandatory for all vehicles in India

The Environment Pollution Control Authority (EPCA) have said that they will work in close collaboration with insurance companies in India to ensure the complete compliance of mandatory linking of Pollution Under Control (PUC) certificate with the motor insurance policy of the vehicle. The insurers will also start a pilot project in Delhi NCR to identify the set of vehicles that do not come back for the registration of PUC.

The details of such vehicles would then be shared with the transport department to keep strict vigilance on such cars and two-wheelers that are trying to violate the norms. The EPCA also said that it would direct the Delhi government to strongly advertise that, “The insurance is mandatory for the vehicles and so is the PUC certificate”.

Sunita Narain, an EPCA member said, “Let us work towards 100% insurance and 100% PUC compliance in NCR and see what the loopholes are and let us see how the improvements can be made”.

Earlier in July 2018, the Insurance Regulatory and Development Authority of India (IRDAI) has stated that a valid PUC certificate is compulsory for all the vehicles to renew their car insurance plan and issued a notification instructing the insurance companies not to insure a vehicle unless it produces a legitimate PUC certificate.

As per the Motor Vehicles Act, a vehicle plying without a valid PUC certificate is liable to be prosecuted under section 190(2) with a fine of up to Rs. 2000. Computerised facilities for checking pollution levels of the vehicles and issuing a PUC certificate for those meeting the emission standards are available at many petrol pumps and workshops across the cities.

Updated on 27-03-2025

A motor insurance policy document provides financial protection in case of accidents or damages. Accidents can lead to substantial financial liabilities, whether a minor scratch or a significant collision. You can buy vehicle insurance online.

Without adequate insurance coverage, you may be personally responsible for covering the costs of repairs, medical expenses, or legal claims. However, with a valid motor insurance policy, you can mitigate these financial burdens and rely on the coverage provided by your insurer to handle the expenses.

Moreover, it is mandatory to have a motor insurance policy handy while driving to avoid penalties. This article will take you through the steps involved in downloading the ICICI Lombard policy.

Inclusions Under the Motor Insurance Policy

Before going through the process of downloading your motor insurance policy, let us understand what is covered by it. These inclusions may differ based on the type of policy you choose. 

1. Third-Party Liability Coverage: It covers any damage to third-party property or injuries caused by your vehicle to another person
2. Personal Damages: It protects against damages caused due to accident, theft, or natural calamities 
3. Accident Cover: Provides compensation for death or injury of the owner/driver during an accident 
4. Additional Coverage: There are options to include zero depreciation cover, engine protection and roadside assistance 

How to Download Motor Insurance Policy Online

When you buy or renew a policy with us, then soon after payment, we send the soft copy to the email address you provided to us. The simplest way to get this document is to retrieve the mail we sent. 

Download vehicle insurance policy through Website 

• Visit our official website and go to the dashboard.
• Choose 'Help Centre' under the 'Support' section.
• Keep scrolling to reach the 'Online Requests' section
• Select 'Require Policy Copy' under 'Request Policy Copy.'
• Select your car insurance type.
• Choose 'Request' under 'Case Type.'
• Enter the policy number and other information requested under the Details 2 section.
• Input alphanumeric code. 
• Click on 'Proceed.'
• You can now download your policy.

Download motor insurance policy through WhatsApp

• Send 'Hi' on WhatsApp at '7738282666."
• Click on 'Service Menu.'
• Tap on 'Download your policy.'
• If you are on chat with your registered number, you will receive the soft copy immediately on the chat 
• If you are on chat with another number, then click on 'Options' and choose vehicle/policy/registered mobile number.
• By providing the details, you will receive the information immediately. 

Other ways

In addition, you have the option to obtain a copy of your policy through the ILTakeCare App. To initiate this process on the app, simply add your motor insurance policy . Alternatively, you can also request your policy documents via email by contacting our support team at customersupport@icicilombard.com

How Do You Get a Duplicate Copy of Motor Insurance? 

If you have lost or misplaced your four-wheeler insurance you can ask for a duplicate copy-

1. Contact the Insurance Provider

Reach out to our customer support helpline or visit our nearest branch for assistance. 

2. Provide Necessary Details

Give your policy number, vehicle registration details, and identity proof

3. Submit a Written Request

Write a formal written application asking for a duplicate policy copy. 

4. Once the application is verified, you will receive a duplicate copy through email or post, depending upon your request. 

FAQs

• Can I download my motor insurance policy from the mobile app?

Yes, ICICI Lombard’s mobile app ILTakeCare can be used to download your policy document easily. 

• Is the downloaded copy of the insurance policy valid?

Yes, the downloaded softcopy of your policy is as valid as a physical copy given that it is attested by the insurance provider. 

• Can I update my policy details online?

Yes, you can visit ICICI Lombard’s online portal and update details like address or contact information. 

• What should I do if my online account is locked?

Click on the “Forgot Password” option on the website or app and reset the password. You can also reach out to customer support for additional assistance. 

• What documents are needed to request a duplicate motor insurance policy? 

You need vehicle RC, a copy of ID proof, and a policy number to get a duplicate of your insurance policy. 

Conclusion 

Your copy of the motor insurance policy is a useful document for placing claims, renewing the policy, and reselling the vehicle. By following the above-mentioned guide, you can easily get a duplicate copy of your policy and keep it safe for any future purposes. 

When it comes to owning a four-wheeler, ensuring its protection is essential. Accidents and unexpected incidents can happen at any time, causing damage to your vehicle and leaving you in a state of distress. That is where four-wheeler insurance claims step in, providing a safety net to cover the costs of repairs or replacements. Whether you are a new car owner or have been driving for years, this blog post will equip you with the most crucial knowledge — "How to track your four-wheeler insurance claim if you have a policy with ICICI Lombard?"

How to track ICICI Lombard car insurance claim status?

There are multiple ways to track your ICICI Lombard car insurance claim status. These include:

Through ILTakeCare App

• Install ILTakeCare App.
• Share your basic details for registration.
• Tap on 'Add Policy' and then share your motor insurance policy number.
• Next, return to the home screen and tap 'Claims.'
• Choose the policy number you have added from the drop-down list.
• Select ‘Track your Claims.'
• Input the claim number you have received during the claim submission.
• Now, you can see the current claim status of your motor insurance.

Through Website

• Go to our official website: com
• Navigate to the home screen’s dashboard.
• Under the 'Support' section, choose 'Help Centre.'
• Go to the 'Online Requests' section on the new web page.
• Click on 'Track your motor claim.'
• Provide the necessary details, such as the policy number.
• You can now view the claim status.

There is another way to track your car insurance claim through our website. Here’s what you must do.

• On the home screen of our website, click on the dashboard.
• Click on 'Claims' and choose 'Motor Claims.'
• Tap on 'Check on claim status and upload documents.'
• Input the contact number you provided during policy purchase/renewal. You will receive an OTP. Input this OTP, proceed to the next page, share the requisite information and receive your details.

Through WhatsApp

• Save our WhatsApp support number '7738282666' in your contacts.
• Open WhatsApp; send 'Hi' to this number.
• Our chatbot RIA will guide you through the steps involved in checking your four-wheeler insurance claim status.

You can quickly learn about the status of your claim by contacting us via email at customersupport@icicilombard.com or by contacting our dedicated support team at 18002666.

Conclusion

Tracking your car insurance claim status with ICICI Lombard is straightforward and user-friendly, thanks to multiple platforms like the IL TakeCare app, the official website and WhatsApp support. Regular updates on your claim not only provide peace of mind but also help in coordinating necessary repairs or replacements promptly. Whether you hold comprehensive car insurance or a third-party cover, staying informed about your claim status ensures a smoother and more transparent experience. For any additional details, you can always get in touch with the customer care department, who are ready to answer all your questions at length.

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.