The claim settlement ratio of the insurer is a crucial aspect of the decision-making process when choosing an insurance product. The claim settlement ratio gives you an idea of the insurer’s track record in offering a seamless and hassle-free claim settlement process. Before proceeding to ways to check the claim settlement ratio, let us go through some of its basics in detail.

What is a claim settlement ratio?

Claim settlement ratio (CSR) is the percentage of claims that were settled in a financial year to the total number of claims that were raised during that period. It shows the credibility of the insurer. The higher the CSR, the higher the chances of your claim being settled without any hassles.

How is claim settlement ratio calculated?

The formula used in calculating CSR is given below:

CSR = (Total claims settled / Total claims received) × 100
For example, if an insurer receives 1,000 claims in a year and successfully settles 950, the CSR would be 95%. A high CSR signifies that the insurer has a strong track record of claim approvals, making them a reliable choice when a vehicle owner is planning to buy car insurance.

Documents required for claim settlement:

To ensure a smooth claim settlement process, policyholders must submit the following documents:

• Copy of the comprehensive car insurance policy
• The FIR (if the vehicle was stolen or in case of an accident)
• Repair bills and original receipts
• Vehicle registration certificate (RC)
• Driving license

How to check the claim settlement ratio?

Insurance companies registered under the Insurance Regulatory and Development Authority of India (IRDAI) declare and publish their claim settlement ratio annually. To know the CSR of your preferred insurance company, just visit the IRDAI website or look for IRDA claim settlement ratio 2022 on a search engine. A claim settlement ratio is a percentage number. Are you wondering what it means?

Let us explain the claim settlement ratio with an example. Suppose you want to know the credibility of an insurance company and the IRDA claim settlement ratio 2022 of that particular insurance company is 94%—a percentage figure. This means, in the last financial year, the company settled 94% of the total claims that were raised throughout the year. Simply put, for every 100 claims made by the policyholders, 94 were settled successfully. The number also indicates that the remaining 6 claims that were raised were either rejected, repudiated, or are pending. The claim could have been rejected due to one or more reasons such as fake claims, dissatisfactory paperwork, or insufficient information to prove the authenticity of the claim.

Points to keep in mind while checking the claim settlement ratio

Now that you know how to check the claim settlement ratio, be aware of some additional points that you must factor in while checking the ratio:

• Check the IRDAI details: The IRDAI claim settlement ratio is an extremely important and reliable indicator of the claim performance of an insurance company.
• Compare CSRs: As you know how to check and comprehend the claim settlement ratio of an insurance company, make the best of it when shortlisting insurance providers for your policy.
• Claim amount: Besides checking the claim settlement ratio, check the amount of the claim settled. It is quite possible that by the virtue of “number of policies” an insurance company has a higher CSR, but the “total amount” of the claim settlement is relatively low or non-competitive. This can happen when the company settles more claims with a lower sum insured and rejects high claim amounts.
• Financial performance: This is an extension of the previous point. Along with the CSR and the claim amount, it is important to check the financial health of the company. If a company is not doing well financially, then there are higher chances of you missing out on your insurance benefits in a time of need.

Conclusion

The Claim Settlement Ratio is an essential factor in determining the reliability of an insurance provider, whether you are purchasing a health plan or car insurance. By understanding how to check and analyse the CSR, policyholders can make informed decisions and ensure smooth claim settlements in times of need. Always research well before choosing an insurer to secure a hassle-free experience in the future.

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.

Car insurance is not just about financial protection. It's also about having peace of mind while driving on the road. Roadside assistance is a valuable add-on service offered by many insurance providers. It will help you in situations where your vehicle breaks down and you get stuck on a remote road or there is no help nearby. Here, we'll explore the concept of roadside assistance in car insurance, helping you understand its benefits when facing unexpected breakdowns or emergencies.

Meaning of Roadside Assistance in Car Insurance

Let's check what is roadside assistance in car insurance. It is often offered as an add-on cover in your car insurance plan and is your trusted ally when your vehicle leaves you stranded. It ensures that help is just a phone call away.

This add-on cover provides a safety net when your car breaks down due to any reason. Roadside assistance in car insurance typically includes:

• Towing Service:

  If your car can't be repaired on the spot, the service provider will tow it to the nearest garage or a location of your choice.

• Flat Tire Assistance:

  You don't struggle to change a flat tire. The insurer will send a professional to help you out.

• Fuel Delivery:

  If your car runs out of fuel, a small quantity of fuel will be delivered to your location to help you reach the nearest gas station.

• Battery Jumpstart:

  If your car's battery dies, a technician will come to jumpstart it.

• Lockout Services:

  If you accidentally lock your car, with the key inside, roadside assistance will help unlock your vehicle.

• Minor Repairs:

  Technicians will do on-the-spot repairs for minor mechanical or electrical issues.

Conclusion  

Roadside assistance in car insurance is more than just an add-on, it's your lifeline. When the unexpected happens, this service ensures your peace of mind and convenience. So, the next time you consider your car insurance coverage, think about the invaluable support that roadside assistance provides. The safety net ensures you're never alone on the road, no matter where your journey takes you.

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

The MG Comet EV represents a new era of smart and sustainable urban mobility. Compact, efficient and packed with modern features, it is designed for daily city drivers who value convenience and eco-friendliness. Its futuristic styling, intelligent technology and smooth electric performance make it one of the most practical EVs in India’s small car segment.

Beyond just being a green vehicle, the features of the MG Comet EV focus on everyday usability, ensuring comfort, connectivity and safety built into its core.

This blog takes a look at what makes this four-wheeler a reliable choice for everyday commuting.

What are the features of the MG Comet EV?

The key MG Comet EV features are as follows:

MG Comet EV interior features

• Dual 10.25-inch screens: A connected floating display that combines the infotainment system and digital instrument cluster.
• Premium dual-tone dashboard: The light interior colour enhances space and sophistication.
• Rotary drive selector: A sleek, modern knob replaces traditional gear levers for effortless control.
• Leather-wrapped steering wheel: Offers a soft-touch feel and improved grip.
• Adjustable, well-cushioned seats: Designed for ergonomic comfort during commutes.
• Ample storage space: Includes smart cubby holes and foldable rear seats for practicality.

Technology and infotainment features in the MG Comet EV

The MG Comet EV offers a futuristic driving experience, complemented by advanced technology and smart connectivity features. It has two integrated 10.25-inch screens (one for the infotainment system and the other for the digital instrument cluster), creating a modern and seamless interface. The system supports wireless Android Auto and Apple CarPlay. This allows easy access to navigation, music and calls.

Moreover, MG’s i-SMART connected car technology further enhances the experience with over 55 connected features, including voice commands, remote vehicle status and location tracking. Together, these features make the Comet EV one of the most tech-savvy small cars in its class.

Performance and battery features

The MG Comet EV is powered by a 17.3 kWh lithium-ion battery paired with an electric motor that produces 41 PS of power and 110 Nm of torque. It covers a driving range of up to 230 km on a single charge. The car supports standard charging, which takes approximately 7 hours to complete a full charge. Moreover, the regenerative braking system, which includes a manual parking brake for the lower models and an electric brake for the FC variant, enhances the overall range and economy.

Safety and driver assistance features

• Dual front airbags: Provide protection to the driver and front passenger in case of a collision.
• ABS with ESP: Provides controlled braking and helps maintain stability.
• Rear parking camera and sensors: Help detect obstacles while reversing, making parking easier and safer.
• Tyre pressure monitoring system (TPMS): Alerts the driver about underinflated tyres to prevent accidents.
• 3-point seatbelts for all passengers: Secure seating for both front and rear occupants.
• ISOFIX child seat mounts: Offers added safety for families travelling with children.
• Speed-sensing door locks: Automatic door locks once the vehicle is in motion for enhanced protection.

Comfort and convenience features

This EV is designed to keep comfort and everyday convenience in mind. It comes with keyless entry and push-button start, ensuring ease of access and operation. The MG Comet features an automatic climate control that maintains the perfect cabin temperature in all weather conditions. Inside, the dual-tone interiors, power windows and power-adjustable ORVMs enhance overall comfort and functionality. The convenience is further enhanced with multiple USB charging ports, cup holders and smart storage compartments to keep essentials within easy reach. Moreover, this four-wheeler comes in seven variants and different colours to suit different needs.

How to insure your MG Comet EV?

Buying car insurance for your MG Comet EV isn’t just a legal formality; it’s a smart way to protect your car from unexpected expenses due to accidents, theft or damage.

Today, insurers offer a variety of plans and add-ons tailored to different needs, including third-party liability, own damage and comprehensive covers, theft protection, personal accident cover, zero-depreciation add-ons, etc.

By law, every car owner must have third-party insurance, which covers damages or injuries caused to others in an accident. However, a Comprehensive car insurance policy offers wider protection; it includes third-party coverage while also safeguarding your own vehicle against damage from accidents, natural disasters or theft.

When insuring your electric vehicle, make sure your policy specifically covers EV-specific components, such as the battery pack, motor and charging equipment. Choosing the right car insurance ensures both peace of mind and long-term protection for your MG Comet.

Conclusion

The MG Comet EV is a smart, eco-friendly and feature-rich four-wheeler, offering a futuristic driving experience. With its advanced technology, stylish interiors and practical comfort offerings, it perfectly blends innovation with everyday usability. Additionally, its efficient battery, impressive range and modern safety systems make it a reliable companion.

FAQs

1. What are the variants of the MG Comet EV?

The MG Comet EV is available in various variants, including the EV Executive (base model), EV Excite, EV Excite FC, EV Exclusive, EV Exclusive FC (top model) and EV Blackstrom Edition.

2. What are the available colour options in the MG Comet EV?

The MG Comet EV is available in several colours, including candy white and starry black, starry black, apple green and starry black, candy white and aurora silver.

3. What is the price range of the MG Comet EV?

The MG Comet EV price ranges from ₹7.50 lakhs to ₹9.99 lakhs (ex-showroom), depending on the chosen variant and location.

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.

Electric cars have emerged as a smart alternative to traditional fuel-powered vehicles, driven by the rising demand for eco-friendly and sustainable mobility solutions. Among the early pioneers in India’s EV space, the Mahindra e2o PLUS holds a distinct place. Introduced after the two-door e2o, it represents Mahindra’s second major effort to make electric mobility more practical and accessible. Known for its compact design, efficient performance, and affordability, the e2o PLUS was designed primarily for urban commuters, offering a convenient and sustainable city-driving solution.

Let’s take a closer look at the Mahindra e2o PLUS price, features and specifications.

e2o PLUS Price List in India

Before buying an electric car, it helps to compare the available variants to find one that suits your driving range and budget. The table below gives an overview of the Mahindra e2o PLUS variants and their last recorded prices in India:

Mahindra e2o PLUS car specifications

The following are the e2o PLUS car specifications:

How is the Mahindra e2o PLUS car?

The Mahindra e2o PLUS is a compact car designed primarily for city commuting. It offers a smooth and quiet driving experience, making it ideal for driving through traffic and short urban trips. Its compact size and tight turning radius make parking and manoeuvring easier, especially in crowded spaces. Additionally, the four-door design enhances practicality by providing sufficient space for two adults in the rear.

However, the car performs best within city limits. It is not built for high-speed or long-distance travel. Some users have also reported limitations related to service accessibility and spare part availability in certain regions. Overall, the e2o PLUS is a convenient and eco-friendly choice for daily urban use, especially if you have access to regular charging facilities.

Remember, the vehicle has been discontinued and is out of production currently. However,  you can still find and purchase one on the second-hand market.

Mahindra e2o PLUS colours

The Mahindra e2o PLUS is available in four different colours to suit different preferences. These include Coral Blue, Wine Red, Arctic Silver and Spanish Red. Each colour gives the compact electric hatchback a unique personality. The paint quality and finish are designed to complement the car’s modern, futuristic design.

Mahindra e2o PLUS range

The Mahindra e2o PLUS offers an impressive range, up to 110 km on a single charge. This is what makes this model ideal for daily urban use. Its efficient electric motor ensures smooth acceleration and low running costs. Additionally, the regenerative braking helps extend the battery life.

Role of car insurance

Car insurance plays a crucial role in safeguarding your vehicle from financial losses arising from accidents, theft or damage. It acts as a financial shield, ensuring that you are not burdened with unexpected repair or replacement costs.

There are various types of car insurance plans and add-ons available to suit different needs, including third-party liability coverage, comprehensive coverage, personal accident coverage, theft protection and zero depreciation, among others. You can choose the right combination based on your usage, budget and requirements.

It’s important to note that third-party car insurance is legally mandatory under the Motor Vehicles Act, 1988. This policy covers physical injuries, property damage or vehicle damage caused to a third party by your vehicle.

On the other hand, a comprehensive car insurance policy not only includes third-party coverage but also protects against own damages, such as those caused by accidents, natural calamities, fire or vandalism.

Whether it’s insurance for a used car or a brand-new vehicle, having the right coverage is essential for financial protection and peace of mind on the road.

Conclusion

The Mahindra e2o PLUS stands out as a compact and sustainable electric car, boasting an impressive range, easy handling and a modern design, making it ideal for daily city commuters. While it may not be ideal for long-distance travel, its affordability and zero-emissions advantage make it a smart choice for drivers looking to go green.

FAQs

1. What is the range of the e2o PLUS on a full charge?

The Mahindra e2o PLUS range is up to 110 km on a full charge, depending on the driving conditions and variant.

2. Is the Mahindra e2o PLUS still available in India?

The Mahindra e2o PLUS has been discontinued. However, used models may still be available in select markets or through resale platforms.

3. Can I buy insurance for a used car?

Yes, you can buy or renew insurance for a used car to ensure financial protection against damage, accidents and third-party liabilities.

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.

An alternator is a key part of a car’s electrical system. Malfunctioning of it can lead to the vehicle struggling with starting, lights flickering or accessories behaving erratically. Car alternator problems can drain the vehicle’s battery, trigger warning lights or even cause engine stalling. Recognising these signs early helps prevent costly repairs. Understanding common causes and fixes for car alternator problems ensures your vehicle runs smoothly and reliably for a long time.

What is a car alternator and how does it work?

The alternator is a generator driven by the engine via a belt and pulley. It converts mechanical energy into electrical energy to charge the battery and supply power to electrical systems. Inside the alternator, a rotor spins within a stator, generating an alternating current (AC), which is then converted to direct current (DC) by a rectifier and regulated to maintain proper voltage levels. If auto alternator problems occur, the battery alone has to sustain all electrical loads.

Common signs of car alternator problems

When there is a problem with the alternator, you may notice several warning signs:

• The battery warning light or “ALT” light appears on the dashboard.
• Headlights or interior lights flicker, become dim or overly bright.
• Car accessories (power windows, audio system) become slow or malfunction.

Common causes of alternator problems

Here are some typical reasons for alternator issues:

• Worn-out bearings or brushes inside the alternator, leading to mechanical failure.
• Faulty voltage regulator or rectifier, causing improper charging or voltage spikes.
• Slipping or broken drive belt, reducing alternator rotation and output.

How to diagnose alternator problems?

When you see any signs of a bad alternator, do a quick voltage check to confirm the problem. With the engine off, measure battery voltage: it should be around 12.5 V if fully charged. Then start the car and measure the voltage across the battery: a healthy alternator should produce between 13.5 V to 14.5 V while idling.

How to fix car alternator problems?

When the alternator is causing trouble, repair or replacement may be needed. For minor wear of any components (e.g., a loose belt or connection), tightening or replacing the part may suffice. If internal components such as the regulator or bearings have failed, the alternator may need to be replaced. After repair or replacement, ensure the electrical system is reset and the battery is fully charged.

Repair vs replacement: what’s better?

Deciding whether to repair or replace a bad alternator depends on the following factors:

• Age and mileage of the vehicle: If the car is very old, replacing the alternator may be more cost-effective.
• Cost of parts vs labour: An alternator replacement may be pricier, but it avoids repeat failures. You should know that standard car insurance policies typically do not cover the cost of alternator replacement due to normal wear and tear or mechanical failure. So, you will have to bear the expense.
• Time and convenience: Replacement may be quicker and more reliable in the long term.

Preventive maintenance tips for a healthy alternator

To keep your car’s alternator running efficiently and avoid unexpected breakdowns, follow these simple preventive maintenance tips:

• Have the drive belt and tension checked during every service.
• Avoid overloading the electrical system (aftermarket accessories) without ensuring the alternator's capacity.
• Ensure the battery is kept in good condition; delaying replacement can strain the alternator.

Conclusion

Experiencing persistent car alternator issues is more than just an inconvenience; when the system fails, it may leave you stranded and impact your vehicle’s safety systems. Regular maintenance and early diagnosis can help prevent costly repairs and unexpected breakdowns. Always use quality electrical components and ensure the charging system is inspected during routine servicing.

FAQs

1. How long does an alternator typically last?

It depends on vehicle use and conditions; many alternators last the lifetime of the vehicle, but wear, heat, electrical loads or poor battery condition can shorten their life.

2. Will a bad alternator invalidate my car insurance claim?

It depends on your insurer and the specific policy terms. If an accident or breakdown occurs due to alternator failure and it’s found that you neglected maintenance, the insurer may investigate or even reject the claim. To avoid such issues, ensure regular servicing and keep proper maintenance and service records.

3. Can I drive with a failing alternator until the next service?

It is possible but risky. A failing alternator may leave the battery uncharged and lead to sudden vehicle shutdown, risking safety and potentially affecting your insurance coverage if it contributes to a claim.

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.

Have you ever heard of hepatitis C? It's a liver disease caused by the hepatitis C virus (HCV) that affects millions of people around the world. Left untreated, HCV can lead to severe health problems such as cirrhosis (liver scarring). Knowing the symptoms and signs of hepatitis C is key to catching it early and getting proper treatment as soon as possible. In this blog post, we'll dive into what Hepatitis C is, discuss the various types, list its common signs and symptoms, how prevention works best in combating it, and provide helpful resources to turn to when seeking help for yourself or someone close to you if needed.

What are the Symptoms of Hepatitis C?        

Long-term or chronic hepatitis is usually followed by acute hepatitis, which in most cases is asymptomatic. The acute form may be associated with some generalized symptoms that include fatigue, joint pain, and pain in the upper right side of the abdomen, which are the early symptoms of hepatitis C. This makes the diagnosis of acute HCV infection challenging.

The other signs and symptoms of hepatitis C include the following:

• Nausea and vomiting
• Abdominal pain
• Fluid accumulation or edema in ankles and feet
• Build-up of ascites in abdomen
• Dark urine
• Jaundice
• Poor quality of life

Noticing the car spanner symbol on your dashboard can be confusing, especially if your car seems fine. This light is a reminder that your vehicle may need maintenance or a quick check-up. Understanding what the car spanner symbol means can help you avoid unexpected problems, keep your car running smoothly and save money on repairs.

In this blog, we’ll explain why this warning appears and what you can do to stay safe on the road.

What is the car and spanner symbol?

The spanner sign on dashboard is a service or maintenance reminder. It usually means your car is due for routine servicing, such as an oil change, inspection or parts replacement.

In some cases, it can also indicate a minor fault in the engine or transmission system, signaling that your vehicle should be checked to prevent potential issues.

Common reasons why the car and spanner symbol appears

The car and spanner symbol can appear for several reasons. Most commonly, it shows a scheduled service reminder, indicating your car is due for routine maintenance like an oil or filter change.

It can also signal a minor engine or transmission fault, a sensor malfunction, low fluid levels such as engine oil, coolant or transmission fluid, or the need for a software update or recalibration of the vehicle’s onboard computer.

What to do when the car and spanner symbol appears?

When the car and spanner symbol appears, start by checking your owner’s manual to understand its exact meaning for your vehicle. If the light stays on continuously, pull over safely and avoid driving long distances. Inspect engine oil, coolant and transmission fluid levels, topping up if necessary. Sometimes restarting the engine can reset a temporary warning.

Do not ignore the light, as driving with it on may worsen underlying issues. If the car sign with spanner remains on, schedule a service at a mechanic or service centre for a complete check.

How to reset the car and spanner symbol?

The steps to reset the car and spanner symbol can vary depending on the make and model. Usually, the warning light turns off automatically after a scheduled service or once the underlying issue is fixed. If it remains on, you can try resetting it manually through the car’s dashboard menu or ignition system.

However, it is important not to force a reset without resolving the problem first, as this may hide critical maintenance alerts. If unsure, it is best to have a professional technician reset the light after checking the car.

When to visit a mechanic or service centre?

You should visit a mechanic or authorised service centre as soon as the car and spanner symbol appears and stays on. Often, this warning indicates your car needs maintenance, such as an oil change or engine inspection.

Ignoring it could reduce performance or cause long-term damage. If you notice unusual sounds, reduced mileage or dashboard vibrations along with the light, get a professional check-up immediately. It is also important to have a suitable four-wheeler insurance policy to cover potential costs from repairs, accidents, theft or damage.

Depending on your needs, you can choose add-ons like third-party liability cover, personal accident coverage, theft protection or zero-depreciation. Remember, third-party car insurance is legally mandatory under the Motor Vehicles Act 1988 and covers injuries or damage caused to others by your vehicle.

Preventive measures to avoid car spanner symbol warnings

Here are some preventive tips to avoid the car and spanner symbol from appearing:

• Follow the manufacturer’s recommended maintenance schedule to ensure optimal performance.
• Use high-quality engine oil, coolant and fuel to maintain engine efficiency.
• Check oil, brake and transmission fluid levels regularly to prevent unexpected breakdowns.
• Maintain correct tyre pressure to reduce engine strain and improve mileage.
• Inspect dashboard lights to ensure all warning indicators are functioning properly.
• Avoid overloading the vehicle to prevent excess strain on the engine or braking system.
• Keep sensors, filters and air vents clean to support smooth system operation.

Conclusion

The spanner symbol in car is more than just a dashboard light; it’s a prompt to take action and care for your vehicle. Paying attention to it can help you avoid costly repairs, maintain your car’s performance and ensure your safety on the road. By keeping up with regular servicing, monitoring fluids and addressing warnings promptly, you can drive with confidence, protect your investment and complement your precautions with a suitable four wheeler insurance policy to cover unexpected repair or damage costs.

FAQs

1. Can I still drive with the spanner symbol on?

You can drive, but only with caution. Treat it as a reminder to limit long trips and get your car checked soon to avoid worsening the issue or causing additional wear.

2. How do I turn off the car and spanner symbol?

The light usually turns off automatically after servicing or fixing the underlying issue. Some cars may require a manual reset via the dashboard menu or a diagnostic tool, but only after the problem is addressed.

3. Why does the spanner light keep coming back after servicing?

If the light returns, it may mean the issue wasn’t fully resolved, a different maintenance requirement is due or the system has detected a new alert. Regular checks and diagnostics can help pinpoint the cause.

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.

Owning a bike or car in India is exciting, but accidents or repairs can be stressful with bills and paperwork. The IL TakeCare App from ICICI Lombard makes it easier by helping you find ICICI Lombard network garages. Repairs are handled directly with the insurer, saving you time and money.

This guide shows how to use the app, find nearby garages quickly and make the most of cashless claims so you can get back on the road with less hassle.

What are cashless network garages?

Cashless network garages are authorised service centres partnered with insurance companies like ICICI Lombard. These garages allow you to get repairs without paying the full amount upfront, as your insurance company settles eligible expenses directly with the garage under your policy terms.

If you choose a non-network garage, you usually pay first and then claim reimbursement, which can take more time and involve extra paperwork. ICICI Lombard’s network currently includes over 6,100 garages across India, ensuring a service point is usually nearby.

Benefits of using cashless garages for your vehicle repairs

Using the cashless garages of ICICI Lombard makes repairs smoother and faster. You don’t have to pay the full repair cost upfront for covered damages, as the insurance settles eligible expenses directly with the garage. Existing partnerships between the insurer and network garages help speed up the process and provide direct settlements, reducing hassle and paperwork. The authorised garages follow insurer-approved repair standards, ensuring high-quality service for your vehicle.

Overview of the IL TakeCare app

The IL TakeCare app is created to handle numerous insurance-related needs in one place. Here are some of its key features:

Step-by-step guide to finding cashless network garages in IL TakeCare app

To locate ICICI Lombard’s cashless garages, follow these steps:

1. Download and log in to the IL TakeCare App using your registered mobile number or policy details.
2. Select Find Network Garage from the home screen or the motor insurance dashboard.
3. Enter your city, PIN code or enable GPS to locate nearby garages.
4. Browse the results to see each garage’s name, address, distance and contact details.
5. Call ahead to confirm the garage is listed and accepts cashless claims under your policy.
6. Visit the selected garage with your e-card or policy number and start your claim through the app or garage representative.
7. Keep proof or screenshots of your chosen garage for easy follow-up.

How to locate the nearest cashless garage using GPS in the app

The IL TakeCare App has a built-in GPS feature to help you find authorised service centres quickly. Allow the app to access your current location when prompted. Results may appear on a map or as a list sorted by proximity.

You can filter the results by bike or car to ensure compatibility. Always call the garage before visiting to confirm it is still active in ICICI Lombard’s cashless network.

Tips to ensure a hassle-free cashless claim process

To ensure a stress-free repair process, keep your e-card and policy number handy, digital copies are also acceptable. Confirm with the insurer and garage about any deductibles or co-pay before approving repairs. Report accidents immediately via customer care or the app to avoid delays.

Always choose a listed network garage from the app, as using others may cancel cashless benefits. You can also track the progress of repairs or your claim through the app for transparency.

Insurance benefits of using cashless garages

Cashless garages offer significant convenience from an insurance perspective. Pre-approved partnerships between the insurer and garage enable smoother settlements and faster claim resolutions. You don’t have to arrange cash or card payments upfront, reducing financial strain. Repair costs are more transparent, with a lower chance of disputes or inflated bills. Faster claim processing also leads to quicker repairs, helping you get your vehicle back sooner.

Common issues while accessing garage information and how to fix them

Here are some common problems that you might experience while using the app and the ways you can fix them:

Why choose ICICI Lombard’s cashless garage network

ICICI Lombard’s cashless garage network is one of the largest in India, with over 6,100 authorised garages. The cashless garages list in the IL TakeCare App combines multiple services, including doorstep inspection, garage location, policy claims and policy renewal. In many areas, you can also request drop-off and pickup services, making the entire repair and claim process more convenient and hassle-free.

Conclusion

The IL TakeCare platform does more than just help you locate cashless garages; as a car insurance app, it gives you control and peace of mind after an accident. By using it, you can reduce delays, avoid upfront payments and ensure repairs meet insurer standards.

Understanding how to navigate the platform, keeping your policy details handy and verifying garages in advance can save time, stress and money. With this tool, getting back on the road safely and quickly becomes easier, making your insurance experience smoother and more reliable.

FAQs

1. Is it possible to use any garage even when it’s not in the network?

Yes. However, you need to pay for the repairs first and then apply for the reimbursement, which typically takes a lot more time and additional paperwork.

2. What if I’m travelling out of state and need a repair?

ICICI Lombard has a wide network of more than 6,100+ cashless garages across the country. You can use the IL TakeCare App to find and contact an authorised garage in your location.

3. Does the cashless network mean all the parts and labour are free?

Not always. The insurance company covers repairs under the policy’s OD (own damage) section, but certain policy limits, deductibles and exclusions might apply. Always confirm the coverage before you proceed with the repairs.

4. Is the IL TakeCare App only for motor insurance?

No. The app supports multiple ICICI Lombard services, such as general insurance, motor and even health. However, the cashless garage network feature is specific to the motor policies for bikes and two-wheelers.

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.

Launched in September 2024, the MG Windsor EV combines SUV space with sedan style, perfect for families and city drives. But safety is what matters most when you’re on the road with loved ones. While it hasn’t received official NCAP ratings yet, its advanced airbags, driver-assist systems and sturdy design give confidence every time you drive.

This guide helps you understand the MG Windsor EV safety rating, how it compares with other EVs and what it means for your peace of mind.

Overview of MG Windsor EV

The MG Windsor EV is MG Motor’s latest electric car designed for Indian drivers who value design, safety and performance. It delivers smooth power, a quiet drive and advanced comfort features such as a touchscreen, wireless charging and Level 2 ADAS. This makes it a future-ready, eco-friendly crossover suitable for both city commutes and long-distance travel.

MG Windsor EV global NCAP safety rating

The MG Windsor EV has not yet been tested by Global NCAP, so no official safety rating is available. While official results are pending, MG emphasizes safety-first engineering through strong structural design and built-in protection.

Internationally, MG’s EVs have shown positive safety outcomes and the upcoming MG Windsor NCAP results are expected to reflect the brand’s continued focus on occupant protection and robust vehicle construction.

Safety features offered in the MG Windsor EV

The MG Windsor EV safety incorporates powerful systems for preventing accidents and reducing impact damage.

1. Multiple airbags

The car has six airbags, dual front, side and curtain, ensuring balanced protection for every passenger.

2. 360-degree camera

Drivers gain better visibility through a comprehensive camera view that aids parking and obstacle detection.

3. Auto hold system

An electronic parking brake with auto hold keeps the car stable on inclines and offers convenience in urban traffic.

4. ADAS technology

Advanced Driver Assistance Systems (ADAS) in Windsor Pro trims include 12 functions that manage steering, braking and acceleration through haptic, visual and audio cues, significantly enhancing safety.

Crash test performance analysis of MG Windsor EV

The MG Windsor EV’s official crash test results are still pending, so no verified NCAP rating is available yet. While the MG ZS EV has received strong Euro NCAP ratings, suggesting MG’s expertise in safety systems, the Windsor EV features strengthened steel construction and controlled crumple zones designed to absorb impact energy and maintain cabin stability.

Official NCAP testing, once completed, is expected to confirm the brand’s consistent safety record.

Comparison of MG Windsor EV with competitors

Now that we are aware of the MG Windsor EV's safety rating, let's take a quick look at how the Windsor EV stacks up against other electric vehicles in terms of safety:

MG Windsor EV battery safety and fire protection

The MG Windsor EV’s battery is designed with safety in mind, meeting UL2580 and IP67 standards for resistance to fire, dust and water. Following the same safety principles as the MG ZS EV, its construction ensures reliable performance, durability and protection against extreme heat, shocks or mechanical damage.

MG Windsor EV ADAS and driver assistance systems

The MG Windsor EV’s battery is designed with safety in mind, meeting UL2580 and IP67 standards for resistance to fire, dust and water. Following the same safety principles as the MG ZS EV, its construction ensures reliable performance, durability and protection against extreme heat, shocks or mechanical damage.

Role of car insurance for MG Windsor EV

Even with the MG Windsor EV’s advanced safety features, insurance remains essential. A comprehensive policy covers personal injury, accidental repairs and battery issues, providing peace of mind while you own the car.

Legally, third party insurance is required to cover injury or property damage to others. Given the high value of EVs and their components, complete coverage offers both mechanical and financial protection, making comprehensive insurance a safer choice than just third-party coverage.

Conclusion

The MG Windsor EV is more than just a stylish electric car; it’s designed to keep you and your loved ones safe on every journey. With advanced safety systems, a robust battery and driver-assist technologies, it offers peace of mind alongside comfort and performance. Even before official crash-test ratings, the Windsor EV reflects MG’s commitment to reliable and secure e-mobility.

Pairing it with comprehensive four wheeler insurance ensures both your vehicle and your investment are fully protected, letting you enjoy sustainable driving with confidence.

FAQs

1. How does the safety of the MG Windsor impact its car insurance?

The MG Windsor features advanced safety technologies and a protective design, which can help you secure lower insurance premiums and better insurance terms.  These features reduce the risk of severe injury or damage. However, it is better to check the actual insurance costs with your insurer.

2. What insurance coverage options are available for the MG Windsor?

As an MG Windsor owner, you can choose from basic third-party car insurance or a comprehensive insurance plan that may cover own damage, third-party liability, theft, fire and natural disaster damage. If your insurer offers add-ons such as zero depreciation, roadside assistance and return-to-invoice coverage, you can also opt for them. However, it is always advisable to research the best coverage options and consult with your insurer before selecting a plan.

3. What documents are required to renew MG Windsor car insurance?

To renew MG Windsor car insurance, you need your previous year’s policy number, expiry date and vehicle registration details. However, check your insurance provider to determine if any additional details are required before renewing your policy.

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

If you’re wondering why the car insurance bill still displays an 18% tax line, you’re not alone. While many of the segments have enjoyed the tax relief in India, the premium you pay for the motor insurance remains unchanged. For many vehicle owners, this can be confusing, as reforms often raise hopes of reduced costs across services, including insurance. This blog will provide some clear insights into the GST in vehicle insurance and the reasons why vehicle insurance still attracts 18% of GST.

What is GST on car insurance?

When you buy a vehicle insurance policy for your vehicle in India, whether it's comprehensive or third party insurance, you pay for the base premium and also the tax called GST (Goods and Services Tax). The current tax rate for the vehicle insurance services is 18%. This rate is uniform for the add-on covers (zero depreciation, engine protection, etc.) and private passenger cars. For instance, if the base premium is ₹10,000 and the GST is at 18%, then you pay ₹11,800 in total.

Recent GST reforms - What changed and what didn’t

India’s GST system went through a massive reform, particularly with the GST 2.0 changes, which became effective from 22nd September 2025. Earlier, four-wheelers attracted a 28% GST along with an additional compensation cess that varied between 1% and 22%, depending on the vehicle type. Under the new GST 2.0 structure, this compensation cess has been removed for most vehicles, leading to lower car prices across various segments. However, luxury cars and vehicles with large engine capacities still fall under the cess category.

For vehicle insurance, the GST rate stayed at 18%. While existing vehicle owners will not see any difference in their car insurance premiums and will continue to pay 18% GST during renewal, new car buyers might experience a slight reduction in premiums due to the recent cuts in overall car prices. Since insurance premiums are calculated based on the Insured Declared Value (IDV), the current market value of the vehicle, a lower IDV for certain car models will naturally result in lower car insurance premiums.

Reasons why car insurance still attracts 18% GST

There are several reasons why there is 18% GST on car insurance premiums:

• ITC and business usage: If the vehicle is used for business, the rules for claiming back the GST (ITC or Input Tax Credit) are different. That’s why not everyone receives a tax reduction automatically.
• Classification as a service: The motor insurance is treated as a service (insurance service) under the GST framework and falls within the 18% slab.
• Shared base premium structure: The premium is made up of many components (add-ons, third-party, own damage), and the tax gets applied uniformly across all of them.

What can policyholders do in this scenario?

Although the tax rate has not changed, you can take certain steps to handle the costs and understand exactly what you’re paying for:

• Compare the premiums: Take a look at the premium breakdown across insurance firms to make sure that you’re not paying more for covers or add-ons that you might not need.
• Business-use vehicles: If you’re GST registered and the vehicle is used for business, you might become eligible for ITC (Input Tax Credit) for insurance GST. Make sure to check the eligibility with a reliable tax adviser.
• Check claim settlement history: A higher premium might be justified if the insurance company has good claim settlement records.
• Choose a higher voluntary deductible: Opting for a higher voluntary deductible, an amount you agree to pay from your pocket during a claim, can reduce your premium. However, make sure it’s an amount you can comfortably afford in case of an accident.
• Monitor the reforms: You should stay alert for any upcoming changes. It is possible that the GST on vehicle insurance might be revisited.

Conclusion

The GST reforms were a welcome relief in several sectors, but the GST on car insurance premiums in India remains at 18%. It’s primarily because vehicle insurance is viewed as a standard service and does not fall under the same tax reduction wave, such as life or health insurance. While this might feel disappointing, you still can make policy choices and get to check out cost-control options. When you stay well-aware of what you’re paying and why, it can help you manage the budget properly and make better decisions.

FAQs

1. Does the GST apply to third-party vehicle insurance?

Yes. Third-party insurance also attracts the 18% GST just like the comprehensive ones.

2. Will the GST rate on vehicle insurance drop soon?

It might in the future, but currently, it remains at 18% and no formal reduction for vehicle insurance has been announced.

3. Is it possible to claim GST paid on vehicle insurance as ITC (Input Tax Credit)?

If the car is used for business and you are GST-registered, you might become eligible. However, it's not eligible for personal use.

4. Does the GST affect the claim payout?

No. GST is applied to the premium that you pay. The payout amount or the settlement process in the event of a claim will not change due to GST.

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.

Keeping your car clean is more than just about looks. Regular washes protect your car from dirt, dust and pollution that can damage the paint, dull the finish and even cause rust. With so many car wash options available, it can be confusing to know which one is best for your car, your schedule and your budget.

In this guide, we explain the different types of car wash services in India and help you pick the right one for your needs.

What are the different types of car wash?

You may come across many different types of car wash in India. Here are some of the main types:

Why do you need a professional car wash?

The best type of car wash for new car helps protect your vehicle’s finish and paint by using skilled staff and the right equipment, preventing minor damage and preserving the protective clear or wax coat. It effectively removes harmful deposits like dust, pollutants, coastal salt and bird droppings that can accumulate in Indian cities.

Professional services also save time, reach difficult areas such as wheels, wheel arches and the underbody, and help maintain your car’s appearance, supporting a higher resale value.

How to choose which type of car wash is best for your car?

When selecting the best car wash type, consider your vehicle’s usage, value and the local conditions. Frequency and budget play a role; a simple weekly wash may be enough for daily use, while a deeper, thorough wash can be done once or twice a month.

For new or premium cars with delicate paint or aftermarket upgrades, a hand wash or a high-quality automatic wash can reduce the risk of damage. Road conditions matter too; coastal or dusty areas may require more frequent and intensive cleaning, including underbody washes.

Finally, ensure the facility has trained staff, certified procedures and well-maintained equipment, as poorly kept brushes can scratch your vehicle.

Tips for an efficient car wash

To get the best results from a car wash, start by checking for any loose mirrors, antennas, roof racks or accessories before entering a machine wash to avoid damage. Decide whether a brush-based or touchless wash suits your vehicle; for delicate finishes, hand or touchless washes are safer. If you’re considering an automatic option, choosing the best type of automatic car wash can help protect your vehicle while saving time.

Ask if the facility pre-washes vehicles with snow foam or offers a high-pressure rinse, as this reduces the risk of scratches. After washing, ensure proper drying since water spots can etch the paint if left in sunlight.

Finally, pay attention to quality and pricing; choosing the cheapest option doesn’t always mean it’s safe, so check reviews and inspect the equipment when possible.

Does car insurance cover damage during a car wash?

Here's what you need to know about whether car insurance will cover damages during a car wash:

• Comprehensive car insurance policy: If you have this policy, which covers third-party liabilities and own damage (OD), damage caused by the car wash facility due to negligence or equipment failure may be covered under the OD portion.
• Third-party policy: If you have third-party insurance, it covers only damage you cause to others, not to your own car. So damage to your vehicle during the car wash might not be covered.
• Damage caused by the car wash facility: If the car wash facility is clearly at fault, you may be eligible for compensation through their liability cover, if they have one. Otherwise, your comprehensive policy may help, depending on its terms.

Note: The coverage mentioned above is indicative and may vary between insurers and policies. Please read your policy wordings for the complete details of inclusions and exclusions.

Conclusion

Choosing the right type of car wash goes beyond keeping your vehicle clean; it protects your investment, preserves the finish and helps maintain resale value. Opting for a facility with reliable equipment ensures a thorough clean without scratches or damage, while checking your car insurance online makes it convenient to compare plans and understand your coverage, giving you peace of mind if any mishaps occur during the wash.

FAQs

1. Can frequent professional car washes harm my vehicle?

Over-washing can sometimes wear down the protective wax or clear coat, especially if abrasive brushes are used. Choosing the right type of wash and frequency helps balance cleanliness with paint protection.

2. Are eco-friendly car washes better for my car?

Yes, eco-friendly washes use less water and gentler, biodegradable detergents. They reduce the risk of harsh chemical damage while being environmentally responsible.

3. Can a professional car wash remove minor scratches?

Some hand washes or polishing services can reduce the appearance of fine scratches, but deep scratches usually require detailing or touch-up work.

4. Do car wash methods affect fuel efficiency?

Indirectly, yes. Regular underbody cleaning, especially in dusty or coastal areas, can prevent rust or buildup that may affect vehicle components over time, helping maintain optimal performance.

5. Are mobile car wash services reliable?

Mobile services can be convenient and thorough, but ensure they use proper equipment, quality detergents and trained staff to avoid accidental damage.

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.

Your car’s dashboard has several symbols and the appearance of a car with a lock icon can cause concern. This light means your vehicle’s anti-theft system is on guard. While it’s helpful for security, a car with the lock symbol on your dashboard may flash for other reasons as well. Understanding what this symbol means and how to fix common problems will help you keep your car safe and avoid getting stuck.

What does a car with a lock symbol mean?

A car with a lock symbol means the anti-theft system, called an immobiliser, is active. This immobiliser prevents the engine from starting until the correct key or key fob is used. 

The car with a lock symbol appears near the speedometer on the dashboard. However, its actual position may vary depending on the make and model of your car. In some vehicles, the immobiliser symbol can look like a padlock. It lights up when the anti-theft system is active or detects an issue. This system prevents theft by ensuring only authorised keys can start the engine.  Modern anti-theft technology has evolved a lot; these systems can even send alerts to your smartphone or help track your car’s location.

Common reasons why the car with a lock symbol appears

Several reasons may cause the car lock icon to appear. Let's check a few of the common ones:

• Key fob battery is dead: If it has drained, it can’t send the correct signal to the car.
• Weak or dead car battery: When the car battery is low, the immobiliser may fail to read the key code.
• Damaged lock or ignition: Wear and tear or attempted tampering can confuse the locking system.
• Faulty key chip: Sometimes, the small chip inside the key stops working.
• Using the wrong key: Valet or spare keys may not have full access authorisation.

What to do when you see a car with a lock symbol

If a car symbol with a lock appears, you can try replacing the key fob battery, using the physical key to unlock and start the car or resetting the anti-theft system by turning the ignition to the “ON” position without starting the engine. If the issue continues, go to a mechanic for further help.

Resolving issues with your car with a lock symbol

Here are key points for resolving issues with your car when the lock and car symbol appear:

• You must check and replace the key fob battery if it is dead.
• Use the physical key to unlock and start the car.
• Reset the anti-theft system by turning the ignition to “ON” without starting the engine, then turn off and restart.
• Inspect your car locks for damage or tampering.
• Try considering key reprogramming or replacement if the chip inside is faulty.

When to visit a professional mechanic?

If none of the above-mentioned steps work and the car and lock symbol on the dashboard stays on, you should take your car to a mechanic or your car’s official service centre. They can check your immobiliser, key fob chip and ECU for errors. Sometimes, a simple software update or reprogramming of the key can fix the problem for good.        

Preventing car with lock symbol issues in the future

A little routine care can prevent these issues from coming back.

• Replace your key fob battery regularly.
• Keep a spare battery in your glove box; it can save the day.
• Avoid dropping your car key or fob, which can damage the chip inside.
• Service your car locks if you notice stiffness or resistance.
• Ensure the car and the fob batteries stay charged, especially before long trips.

Conclusion

The car with the lock icon on your dashboard shows that your car’s security system is active, which prevents vehicle theft. The symbol can also appear due to minor issues, such as a weak battery or a faulty key.  Fixing the problem quickly can prevent bigger repairs and secure your vehicle.

To stay prepared for such situations, consider adding a key replacement add-on cover to your comprehensive car insurance. It reimburses the cost of replacing damaged keys. You can compare different car insurance online and buy the one ideal for your needs.

FAQs

1. What should I do if the car with the lock symbol won’t go off?

Try replacing your key fob battery, use the physical key to unlock, reset the system by turning the ignition on before or without starting the engine or visit a mechanic if problems persist.

2. Can a dead key fob battery cause the lock symbol?

A dead battery in your key fob is a common reason the immobiliser system thinks the key is unauthorised.

3. Should I get car insurance if my car has an immobiliser?

Even if your car is equipped with an immobiliser or other advanced security systems, you still need car insurance. However, only a comprehensive policy can fully protect your vehicle, as third-party car insurance provides financial protection against damages or losses caused to others.

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

Mercedes-Benz is a synonym of luxury, performance and cutting-edge technology. While the brand is well-known for its sedans and SUV models, Mercedes hatchback cars offer a unique blend of compactness and premium features.

For car lovers in India, the Mercedes-Benz hatchback car sets a perfect combination of style, comfort and advanced engineering, that too in a compact package. Today, Indian buyers are increasingly lean toward premium yet practical vehicles, and Mercedes hatchbacks offer a balanced choice.

This blog will take a look at the best Mercedes-Benz hatchback cars in India.

What to look for when buying a luxury hatchback?

When choosing a luxury hatchback, it is essential to look for balanced performance, comfort and long-term ownership value. A few key factors include:

• Engine performance: Check for engine capacity, torque and transmission options. It is crucial to ensure a smooth yet powerful drive.
• Interior comfort: Well, premium hatchbacks like Mercedes-Benz focus on high-quality materials, ergonomic seating and noise insulation. It is still advisable to recheck.
• Technology and features: Do not compromise on technological features, such as advanced infotainment systems, digital dashboards and enhanced safety features, like multiple airbags, ABS and driver-assistance tools.
• Fuel efficiency: It is vital to look for fuel efficiency, as even in the luxury segment, efficient mileage can reduce long-term costs.
• Maintenance & after-sales support: Before making a final purchase, verify service availability, warranty terms and spare part costs.

Available Mercedes-Benz hatchbacks in India

The Mercedes-Benz A-Class Limousine is currently the closest to a hatchback in India, filling the space left by the earlier A-Class hatchback. Though it has a sleek, sedan-like profile, its compact build and sporty nature mean that it is an excellent option for city drivers who want a small luxury vehicle. It has:

• Powerful 1.3 litre turbocharged petrol and 2.0 litre diesel engines.
• 7-speed dual-clutch transmission (DCT) for smoother driving.
• Luxury interior with MBUX touchscreen infotainment and voice command.
• Multiple airbags, ESP and driver assistance packages for high safety standards

Although the A-class limousine is biased toward a compact sedan, its hatch-like size and lively performance ensure the fun-to-drive essence that Mercedes hatchback models are famous for.

Discontinued or past models of Mercedes-Benz hatchbacks

Mercedes-Benz had two extremely popular hatchback models in India previously: the A-Class Hatchback and the B-Class Sports Tourer.

• A-Class Hatchback: It was launched as one of the best value luxury cars in the range. It combined stylish looks with day-to-day usability and proved a big hit with young professionals.
• B-Class Sports Tourer: A bit bigger than the hatchback, it provided increased space and usage for families, mixing MPV-like comfort in the cabin with hatchback fun.

While both are no longer available, they are still sought after in the used car market due to their reliability, classic looks and Mercedes' build quality.

Hatchback vs Crossover/SUV trade-off for Mercedes buyers

For urban driving and everyday commutes, a hatchback like the Mercedes-Benz A-Class offers compact dimensions, better fuel efficiency and easier parking in city spaces. It also delivers premium interiors and advanced tech similar to larger models.

However, for buyers who prioritise higher seating position, better visibility and increased ground clearance, the Mercedes-Benz GLA crossover is more practical. It handles uneven roads and long-distance travel with greater comfort, while still maintaining a refined, luxury driving experience.

Price & ownership considerations in India

Mercedes-Benz hatchback cars in India, like the A-Class Limousine, begin at ₹46-55 lakh (ex-showroom), depending on trim and customisation. Ownership includes periodic servicing every 10,000-15,000 km, premium fuel, tyre care and extended warranty plans. Insurance and road tax can add to the yearly cost, but Mercedes-Benz ensures unmatched luxury, quality and driving comfort.

Future prospects & what to expect

Mercedes-Benz continues adapting to Indian preferences, with rising interest in compact luxury vehicles. With SUVs and crossovers now contributing a majority of its sales in India, future offerings are expected to focus on compact luxury crossovers and electric variants suited for diverse driving conditions.

Globally, Mercedes is developing the next generation of compact cars on its advanced MMA platform, designed to support both petrol and electric powertrains. This means that hatchback-style models, such as the A-Class, may return in more electrified forms under the EQ lineup.

While the brand is reducing its overall model range to emphasise higher-end vehicles, the compact luxury segment remains a strategic entry point for new buyers, suggesting that premium hatchbacks could see a modern revival in the coming years.

Car insurance for Mercedes-Benz hatchback cars in India

Owning a luxury car demands dependable coverage. Comprehensive insurance protects both third-party and self-damage, while add-ons like zero depreciation and roadside assistance add security. Always compare car insurance online, check settlement ratios and choose trusted insurers for a smooth ownership experience. Those preferring basic coverage can also opt for third-party car insurance, which also fulfils the legal requirements.

Conclusion

Mercedes-Benz hatchbacks deliver a refined mix of luxury, compact design and dynamic performance, perfect for Indian city lifestyles. While the A-Class Limousine currently leads this segment, discontinued models like the A-Class Hatchback and B-Class Sports Tourer still hold strong appeal. With evolving consumer preferences, future electric or hybrid hatchback models may soon return, continuing Mercedes-Benz’s legacy of elegance, comfort and advanced engineering in every drive

FAQs

1. Does Mercedes-Benz sell hatchbacks in India at present?

Formally no, but the A-Class Limousine is a close substitute with a hatchback-like nature.

2. Are older models of hatchbacks like the A-Class and B-Class still a good purchase?

Yes, if well taken care of. Certified pre-owned Mercedes dealerships provide credible alternatives with guarantees.

3. What is the price range for a Mercedes-Benz hatchback-type vehicle in India?

Approximately ₹46 lakh for the A-Class Limousine (ex-showroom).

4. Is car insurance costly for Mercedes vehicles?

Premiums can be more than for ordinary cars, but comparing plans online and taking annual renewals keeps the costs in control.

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.

Mahindra has long been one of India’s most trusted automakers, known for its rugged SUVs and reliable performance. Despite its strong presence and over a million vehicles sold annually, the company occasionally discontinues certain models to align with changing market trends and technological upgrades.

Recently, they discontinued popular models like the XUV500, Scorpio Getaway and Marazzo. Even though their manufacturing has stopped, many are still available as used cars. This blog covers the full list of Mahindra discontinued cars, why they stopped, where to buy them and info on how to insure these cars and upcoming models.

Why does Mahindra discontinue its cars?

Mahindra discontinues certain car models primarily due to low sales, shifting market preferences and changing regulatory requirements. When a model fails to attract enough buyers or overlaps with newer, more successful products, continuing production becomes unviable. The company also streamlines its lineup to focus on high-demand SUVs such as the Scorpio, Thar and XUV series, which better suit Indian buyers’ preferences.

Stricter emission norms like the BS6 regulations have further prompted Mahindra to retire older engines that are expensive to upgrade. Additionally, the brand is realigning its strategy towards global markets and electric mobility, investing in its Born Electric range and next-generation SUVs. As a result, older or underperforming models are phased out to make way for more advanced, profitable and future-ready vehicles.

Complete list of Mahindra discontinued cars in India

Check out this Mahindra discontinued cars list to learn about the popular SUVs, MUV and sedan models that Mahindra discontinued in the past 20 years.

What happens when a car is discontinued?

When Mahindra discontinues cars, all models are stopped in production except those already available in the market. Stocks may be available at car dealerships, which have to sell discontinued cars at a discounted price. Thorough market research and know-how are necessary to find such a value-for-money deal.

Also, the parts and services of the discontinued models are still available for some years after discontinuation. Over time, however, parts may become harder to find, and insurance or service options may be limited.

Upcoming Mahindra models to look out for

Mahindra keeps updating its lineup. New models coming soon include updated versions of popular vehicles like the Thar and new SUVs or electric cars that bring better technology and features. These will replace the older, discontinued cars. Some of the most anticipated releases include the Mahindra XUV700 Facelift, Mahindra BE 07, Mahindra XEV 4e and the Mahindra Thar E, among others.

Is it possible to insure discontinued cars?

Yes, you can still buy a car insurance policy for discontinued vehicles. Insurance providers continue to offer coverage options such as third-party or comprehensive car insurance, similar to those available for regular cars. Sometimes, insurers may ask for extra information, but buying insurance is generally easy and is needed for driving safely.

Discontinued cars can still be used, insured and serviced for a while, but newer models offer much better benefits. This helps buyers get cars that suit current times and rules.

Conclusion

Mahindra discontinues car models to stay current with customer needs, meet new regulations and offer improved vehicles. While discontinued cars are no longer produced, they remain available as used options, with parts and services supported for some years.

Car insurance for these models is obtainable and necessary for protecting your investment and ensuring legal compliance. Choosing the right insurance keeps you covered against damages, theft and liabilities.

FAQs

1. Will premiums rise after my model is discontinued?

Yes, premiums can rise after your car model is discontinued. Insurance companies often increase premiums for discontinued models because spare parts become harder to find, and repairs may cost more. However, the exact impact on your premium depends on your insurer’s policies and your car’s condition. It’s a good idea to check with your insurance provider.

2. Can you avail insurance for discontinued cars?

Discontinued cars can be insured easily with both comprehensive and third-party policies. Sometimes, insurers might want extra details, but it’s generally simple to get coverage.

3. Are there upcoming Mahindra models to look out for?

Yes, Mahindra plans to launch new and updated versions of popular models like the Thar, as well as new SUVs and electric vehicles to replace older, discontinued cars.

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 driving licence (DL) is a legal requirement for driving two and four-wheelers in Vadodara. The Vadodara City Police can fine you up to INR 3000 for driving with an expired DL. If your licence is about to expire, renewing it at the earliest is the best way to prevent insurance claim issues and retests. To improve service delivery, the Gujarat Transport Department now offers contactless (eKYC) licence services, provided your Aadhaar Card details match the DL record in the RTO database.

Let’s look at the online and offline processes of how to renew driving licence in Vadodara, including necessary documents, charges and grace periods.

How you can renew driving licence online in Vadodara?

The online process is easy and fast, and ideal for seniors and busy professionals. Here’s how to renew driving licence online in Vadodara:

1. Visit the Parivahan Sewa Government Portal
2. Click on “Drivers/Learners License” under License Related Services
3. Pick “Gujarat” from the dropdown list
4. Choose “Apply for DL Renewal”
5. Read the guidelines and press "Continue"

Important: Applicants aged over 50 or those holding licences for transport vehicles must submit Form 1-A after getting it signed by a registered doctor.

1. Add your existing DL number and birth date
2. Verify your information and click ‘proceed’
3. Fill out the application form 9 and upload copies of your identity and address proofs
4. Pay the renewal fee using digital methods (UPI, cards, internet banking)
5. Save your payment receipt

After you finish the online driving licence renewal Vadodara process, the Vadodara RTO will verify your application and generate a new driving licence. It will be sent by speed post or can be picked up at the RTO with a scheduled appointment.

Steps to renew driving licence offline in Vadodara

You can complete the process of driving licence renewal in Vadodara directly at the RTO. Here’s how:

1. Reach the nearest Vadodara RTO
2. Request Form 9 (Downloadable from the Gujarat Transport website)
3. Fill it carefully and attach photocopies of the required documents
4. Hand in your application at the counter
5. Pay the renewal charges
6. Complete biometric capture if needed
7. Receive your application receipt and submit it to the RTO officer

Your driving licence will be ready to be dispatched or picked up once approved and generated.

Documents required and appointment process for DL renewal in Vadodara

Before starting both offline and online renewal of driving licence Vadodara, keep these documents ready for a smooth process:

1. Accurately filled Form 9 (You can download and pre-fill it to avoid waiting time)
2. Your current or recently expired driving licence
3. Three passport-sized photographs (recent)
4. Identity and address verification (Aadhaar, Voter card, Passport, or recent electricity or gas bills)
5. Medical fitness certificate (Form 1A) if applicable
6. NOC from the respective RTO, in case the original DL is from another RTO or state
7. Payment receipt for driving licence renewal online Vadodara

Steps to book an appointment for online driving licence renewal Vadodara

You must secure a time slot at the RTO to avoid queues. Here’s how:

1. Go to the Parivahan Sarathi page once more
2. Navigate to the "Appointments" section
3. Select "Slot Booking" and then “LL/DL Services”
4. Enter your application number, DOB, and captcha
5. Click "Submit" and pick a suitable time slot
6. Save the appointment confirmation and bring it to Vadodara RTO to pick up your DL

Driving licence renewal fee in Vadodara

The fee structure for renewal of driving licence in Vadodara is as follows:

What is the grace period for renewing your DL in the state of Vadodara?

The grace period is 30 days after expiry. If you renew within this time, you only pay the standard renewal fee of Rs. 50. After 30 days, you must pay the late penalty of Rs. 50. After five years, the DL becomes invalid. You will need to apply for a fresh DL and take a driving test.

How do you check the status of renewing your DL in Vadodara?

Here are the steps to track the status of your renewal process:

1. Visit the Parivahan Sewa portal
2. Under “Online Services, click on “Driving Licence Related Services”
3. Choose ‘Check Payment Status’
4. Type your DL Application Number and Date of Birth
5. Choose ‘Verify’ to view the status of your DL renewal

FAQs

1. Am I legally allowed to drive during the 30-day grace period after my licence expires?

Yes, driving is permitted for 30 days after expiry. Renew it immediately to avoid compliance issues with the local police.

2. What options do I have if I'm away from Vadodara when my licence expires?

You can complete the renewal process from any location or authorise a family member to handle it at the local RTO.

3. What is the validity period of my renewed licence?

Private licences are valid for 20 years or until age 50, whichever comes first. Beyond age 50, renewals last for 5-year periods.

4. Can I renew a DL issued in another city at Vadodara RTO?

Yes, but you will need a No Objection Certificate (NOC) from the original RTO.

5. Can I change my personal details during the DL renewal?

Yes. You can change address and other details by submitting the correct proof.

Conclusion

To prevent failed driving license verification, avoid common mistakes like uploading unclear documents, forgetting to book an appointment or adding an incorrect mobile number. Always start the process a few weeks before expiry.

Remember that your driving licence is only one part of responsible driving in Vadodara. A valid car insurance policy is equally important as it ensures your legal protection in case of an accident. Third-party car insurance is mandatory by law, but comprehensive car insurance gives you wider financial coverage from theft, fire and natural disasters, as well as damage to your own car.

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.

Buying a car is one of the biggest financial decisions many people make. The costs don’t stop at the showroom, as insurance premiums also add to the overall expense, along with the price of the car. Both of these are closely tied to the Goods and Services Tax (GST). Recently, the GST Council announced a major revision in car tax rates. It changes the cost of vehicles and also influences how car insurance premiums are calculated.

For new buyers, these changes in GST for car insurance may bring some relief, whereas the impact is more limited for existing policyholders.

Revised GST rates on cars

Until recently, cars were subject to a 28% GST, along with a compensation cess that ranged from 1% to 22%. It depended on the engine size, vehicle type and fuel used. This complicated structure pushed up on-road prices and made owning a car more expensive, both in terms of purchase and insurance.

The new GST structure is simpler and more consumer-friendly. Small petrol cars up to 1200 cc and small diesel cars up to 1500 cc with a length of four metres or less are now taxed at a flat 18% instead of nearly 30%.

Mid-sized cars with an engine size between 1201 and 1500 cc are subject to a 40% tax, rather than the approximately 45% tax. Larger cars above 1500 cc and big SUVs longer than four metres also come down to 40% from the earlier 48–50%.

Electric vehicles remain unchanged at the reduced 5% rate to support India’s move toward green mobility. Among all these, small cars see the biggest drop. This makes them significantly more affordable for the average buyer.

How do new GST rates impact car insurance premiums?

Car insurance premiums are largely based on the insured declared value (IDV). It reflects the current market value of a car after depreciation. When GST on cars is reduced, the ex-showroom price falls, and it in turn lowers the IDV.

However, nothing changes for existing policyholders. The GST on car insurance premiums remains fixed at 18%, so renewals continue at the same rate. Third-party insurance plans are also unaffected, as their pricing is regulated by the IRDAI (Insurance Regulatory and Development Authority of India).

In short, the real benefit of the revised GST rates is felt by those purchasing new cars. They enjoy indirect savings from a lower vehicle price, which in turn leads to a slightly reduced car insurance GST rate.

Other factors contributing to car insurance premiums

GST changes affect IDV, but several other variables continue to shape car insurance costs. They include:

• Car’s age and model: Older cars usually have lower premiums, whereas luxury and sports models attract higher costs due to expensive parts and maintenance.
  
  
• Engine capacity: Vehicles with larger engines typically have higher premiums since they pose greater risk and repair costs.
  
  
• Geographical location: Cars used in accident-prone cities or congested urban areas face higher insurance charges due to increased risk exposure.
  
  
• Add-ons: Features like zero depreciation, engine protection or roadside assistance can increase premiums.
  
  
• Driving behaviour: Policyholders who have a clean driving history enjoy lower premiums. On the other hand, a history of accidents or claims raises insurance costs.
  
  
• No-claim bonus (NCB): NCB provides premium discounts for claim-free years and is like a reward for safe drivers. This can greatly reduce renewal costs over time.
  
  
• Optional deductibles: Choosing higher deductibles lowers the premium but shifts more risk onto the car owner during claims.

Conclusion

Car insurance policies protect you from financial risks linked to accidents, repairs and third-party liabilities. The new GST rates may not change the 18% tax that applies to both third-party and comprehensive car insurance premiums. However, it can reduce the insured declared value and make policies slightly cheaper for new buyers. Before deciding on a particular policy, you should also note the other factors that influence the premiums.

FAQs

• What is the current car insurance GST rate in India?

  The GST rate on car insurance premiums is 18%. It applies to both third-party and comprehensive policies.
  

• Did the 2025 update change the GST for car insurance?

  No, premiums still attract 18%. The vehicle-side cuts don’t change the car insurance rate. They only lower car prices, which can slightly reduce IDV and premiums for new buyers.

• How is the vehicle insurance GST rate applied to my bill?

  Insurers add 18% to the base premium. This GST for car insurance is calculated as base premium × 18% and then shown as part of the final payable amount.

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.

The Indian automobile market is constantly evolving, with manufacturers introducing new models while phasing out others. In 2025, several car models will have been discontinued due to changing consumer preferences, stricter emission norms and strategic realignments by automakers. While these vehicles may no longer be in production, many still remain in circulation through the used car market. Therefore, understanding which models have been discontinued helps buyers, sellers and owners make informed decisions about purchase, resale value, maintenance and insurance coverage.

List of discontinued cars in India in 2025

The following is the list of the best discontinued cars in India.

Maruti Suzuki Alto 800

Discontinued mainly due to stricter emission (Bharat Stage 6 Phase 2) and safety norms, rising costs of compliance and falling demand in the entry-level hatchback segment. Alto K10 has taken its place as the new entry-level model under Maruti.

Mahindra KUV100 NXT

This model had very low sales volumes in its final months. The cost of updating it for newer emission norms (and likely safety upgrades) was not justified by its declining demand.

Hyundai Aura Diesel

The diesel variant of the Aura was discontinued because of tightening emission norms, especially Bharat Stage (BS) 6 Phase-2 / Real Driving Emissions (RDE) regulations, as well as weakening demand for diesel cars. The model has been retained in petrol, petrol-CNG and turbo petrol versions only.

Honda Amaze Diesel

The Amaze diesel was one of Honda’s final diesel offerings, but it was dropped due to the cost involved in upgrading its diesel engine to meet upcoming emission norms (RDE/BS6 Phase 2), combined with low sales in the diesel segment.

Nissan Kicks

Nissan Kicks has been discontinued in India as it no longer fits well into the updated model lineup. Reasons include shifting consumer preferences, regulatory pressures and the car being somewhat disconnected from new offerings in terms of features and emissions compliance.

Toyota Urban Cruiser

The Toyota Urban Cruiser (the model based on Vitara Brezza) was removed from sale in India. One of the main reasons was that its price premium over the Brezza (after factoring in necessary upgrades) made it less attractive. Toyota also apparently chose not to carry forward a new version, given the overlap with models like the Urban Cruiser Hyryder.

Renault Kwid 1.0 AMT

Kwid 1.0 AMT was discontinued as well, primarily because of changing market demands and stiff competition. Also, technological upgrades (emissions, safety) required to keep such small-engine / automatic variants viable likely made it less profitable.

Factors influencing discontinuation

The decision to discontinue a car model is influenced by multiple market, regulatory and consumer-driven factors. Automakers carefully assess these aspects before phasing out a vehicle:

• Stricter emission and safety norms: Compliance with BS6 Phase 2 emission standards and mandatory safety features often requires costly upgrades. Models that are not financially viable to update are discontinued.
• Declining sales performance: Consistently low sales volumes make it difficult for companies to justify the continuation of specific models in their portfolio.
• Shifting consumer preferences: Growing demand for SUVs, crossovers and EVs has reduced the popularity of compact hatchbacks and sedans, leading to their discontinuation.
• High production and upgrade costs: Rising costs of raw materials, localisation requirements and technological upgrades may outweigh expected revenue, prompting discontinuation.
• Introduction of new models: Sometimes, a new model is launched as a replacement, leading to the phasing out of older versions.

Impact on the used car market

Discontinued cars often create mixed trends in the used car market. While some models lose value quickly due to the limited availability of parts and reduced demand, others gain interest from enthusiasts seeking rare vehicles. Buyers must weigh affordability against long-term servicing challenges when considering discontinued cars in India.

Maintaining and servicing discontinued models

Maintaining discontinued models can be challenging as spare parts may become harder to source and service options may be limited. Owners often rely on authorised service centres initially, but over time may need to turn to independent garages. Regular upkeep and timely part replacements are key to extending vehicle life.

Car insurance considerations for discontinued models.

When it comes to discontinued car models, insurance remains essential for financial protection. While comprehensive car insurance cover is still available, the Insured Declared Value (IDV) may decrease faster due to lower resale value. Owners should ensure coverage for spare parts, repairs and third-party liability to avoid unexpected expenses in the long run.

Conclusion

Discontinued cars in India often attract attention from buyers and enthusiasts alike. While they may offer uniqueness or affordability, challenges like limited spare parts, maintenance issues and fluctuating resale value are important to consider. Regular servicing, third-party car insurance and informed decision-making can help owners manage these vehicles effectively and enjoy long-term ownership.

FAQs

• Why are certain car models discontinued in India?

Most often, specific car models are discontinued due to low sales, outdated features, regulatory changes or the launch of new replacements.

• Can I still buy spare parts for a discontinued car?

Yes, spare parts are usually available for a limited time through authorised dealers or third-party suppliers.

• How does discontinuation affect the resale value of a car?

Discontinued models may see fluctuating resale values depending on demand, rarity and parts availability.

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.

The Skoda Octavia RS stands out as a performance-focused sedan for driving enthusiasts. It delivers higher power, sharper handling and comes with a sleek design. With its premium interiors, supportive sport seats, and advanced safety tech, the Octavia RS offers comfort and confidence, whether on spirited drives or daily commutes.

The blog takes a closer look at the major specs, price and features of the Skoda Octavia RS.

Skoda Octavia RS price list in India

The Skoda Octavia RS is expected to be priced between ₹45 lakh and ₹55 lakh (ex-showroom) in India. Some reports suggest it could start at around ₹50 lakh, which seems fair for a fully loaded single variant. Since it’s a fully imported model, the Octavia RS will naturally stand above the standard Octavia in terms of both price and performance, offering more power, sharper handling and premium features.

Skoda Octavia RS car specifications

How is the Skoda Octavia RS car?

The Skoda Octavia RS delivers the performance and feel of a true driver’s car while retaining everyday practicality. It offers brisk acceleration, precise steering and impressive stability. Reviewers have praised its ability to balance sporty handling with a comfortable ride, making it equally enjoyable on highways and in city traffic.

Skoda Octavia RS Colours

The Skoda Octavia RS is available in a limited set of sporty colours, including shades like red, metallic black and deep blue, complemented by gloss black styling accents.

Skoda Octavia RS Range

As a performance-focused petrol sedan, the Skoda Octavia RS isn’t built for fuel efficiency. Expect real-world mileage of around 10–12 km/l, depending on how you drive. With cruise control on long stretches, the number can improve slightly, while aggressive acceleration brings it down. Under mixed driving conditions, it can cover about 500–600 km on a full tank.

Skoda Octavia RS user reviews

The Octavia RS has been applauded as a performance sedan for the following reasons:

• Performance: Strong mid-range acceleration with smooth power delivery.
• Comfort: A well-balanced, firm and manageable ride quality.
• Practicality: Roomy cabin and boot, which is not the norm with performance cars.
• Build quality: Interior is well decked and the fit-and-finish is solid

Role of car insurance

Owning a performance car like the Skoda Octavia carries higher risks, which is why comprehensive car insurance is a must. It covers accidental damages, theft, natural disasters and man-made risks, ensuring a wider protection.

In addition, third-party car insurance is mandatory by law and safeguards you against liabilities in case your car causes damage to another vehicle, property or individual.

You can also consider add-ons like engine protect in car insurance, which covers damages to your car’s engine caused by water ingress, oil leaks or other mechanical failures.

Conclusion

The Skoda Octavia RS stands for its performance, practicality and premium features. It's likely that price tags place the car in the luxury segment, but it comes with exclusive features and offers an exceptional experience.

Remember, car insurance is important for a hassle-free driving experience.

FAQs

• What is the expected price of the Skoda Octavia RS in India?

The price of the Skoda Octavia RS is expected to be between ₹45 lakh and ₹55 lakh (ex-showroom).

• What engine does the car have?

A 2.0-litre turbo-petrol engine producing around 265 PS and 370 Nm.

• How fast is the Octavia RS?

It can accelerate from 0 to 100 km/h in around 6 seconds, with a top speed of around 250 km/h.

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.

Ever wondered how modern cars let you control music or calls without taking your hands off the wheel? Steering-mounted controls are the buttons and switches built into the steering wheel that let you operate audio, phone, cruise control and certain vehicle settings without taking your hands off the wheel. The buttons sit on the wheel spokes where your thumbs rest, and connect to the car’s electrical system to send commands to the infotainment or the control unit.

How do steering-mounted controls work?

Steering-mounted controls work through a well-coordinated system that connects the buttons on the steering wheel to your car’s electronic components. These controls usually include buttons, toggles or small joysticks placed on the wheel’s surface, allowing you to manage various functions without taking your hands off the wheel. When you press a button, an electrical signal is sent through internal wiring or contact points that link the steering wheel to a control module, often located on or near the steering column.

This module acts as the communicator between the steering wheel and the vehicle’s main systems. The signal is then transmitted through the car’s internal communication network, commonly known as a Controller Area Network (CAN) bus, to the relevant system, such as the infotainment unit or the Engine Control Unit (ECU). Once received, the system processes the signal and carries out the desired function, such as adjusting the volume, changing tracks, answering calls or setting cruise control.

This seamless process ensures that you can stay focused on driving while conveniently operating key vehicle features.

What are the pros and cons of steering-mounted controls?

While car steering-mounted controls offer numerous benefits, they also come with certain drawbacks.

Pros of steering-mounted controls

Steering-mounted controls significantly enhance driving safety by allowing you to keep your hands on the wheel and your eyes on the road, reducing the risk of accidents. They also offer considerable convenience, giving you instant access to volume adjustments, phone calls and cruise control settings without reaching across the dashboard. This design minimises distractions, helping you stay focused and maintain better control while driving.

Cons of steering-mounted controls

Despite their benefits, steering-mounted controls can present some challenges. The integrated electronics may be complex and costly to repair if they malfunction. Poorly positioned buttons can lead to accidental presses, triggering unintended actions. Moreover, not every aftermarket kit provides full features or seamless compatibility with a vehicle’s airbag system, which can limit their usefulness.

If your car is insured under comprehensive car insurance, modifications such as steering-mounted controls require prior approval from the insurer.

How expensive is it to repair or replace steering-mounted controls?

The cost of repairing or replacing steering-mounted controls can depend on various factors, such as:

Minor switch repairs

If only a single switch or button has issues, the repair is generally simple. Costs are usually modest and most workshops can complete this work quickly.

Replacement of control modules or switch packs

Replacing an entire control module or switch pack is a more time-consuming process. The cost can be higher at authorised dealerships, where parts are original and labour is specialised. This ensures compatibility and reliability but comes at a premium.

Full steering wheel replacement

In some cases, replacing the whole steering wheel may be necessary, particularly if an airbag is deployed or if there is damage. This can be more expensive due to the complexity of the installation and safety considerations involved.

Additional expenses

Even after replacement or repair, there may be extra costs for coding or software updates to ensure the steering controls function correctly with the vehicle’s systems.

Costs ultimately depend on your car’s make, the availability and sourcing of parts, and local labour charges. It is always advisable to obtain a detailed estimate before authorising any work to avoid unexpected expenses.

How easy or complex is it to install steering-mounted controls?

The installation, including coding and testing, can take several hours. The exact duration depends on the vehicle type, complexity of the system retrofit and the installer’s experience.

OEM fitment

When steering-mounted controls come factory-installed, the installation process is seamless. These controls are pre-wired, calibrated and fully integrated with the vehicle’s systems, making them ready to use without additional adjustments.

Aftermarket retrofit

Installing aftermarket steering-mounted controls is more complex. The process often requires removing the steering wheel, disconnecting the airbag, integrating wiring and performing ECU coding to ensure proper functionality. Each step demands precision, as improper installation can lead to malfunction or system errors.

What cars get steering-mounted controls?

• Mid-range and family cars: Often on higher trims.
• Premium cars: Typically include extended functions.
• Older/basic cars: May lack them; retrofits are possible but need care.

Search trim specifications for steering-mounted controls in car fitment details.

Should I get aftermarket steering-mounted controls?

It is important to consider compatibility, safety and insurance policy implications before installing steering-mounted controls:

• Check the CAN bus and airbag compatibility.
• Use professional fitment to protect safety systems.
• An aftermarket steering-mounted audio control may offer only basic commands.

Conclusion

Steering-mounted controls offer convenience by keeping essential functions at your fingertips. While factory-fit systems are seamless, retrofits can be complex because of airbag systems and coding requirements. Before retrofitting, obtain professional advice and cost estimates, and check any impact on insurance cover or warranty.

It is also important to have your car insured for financial protection against damages, theft and accidents. Depending on your requirements, you can have basic third-party car insurance or comprehensive cover for broader protection.

FAQs

• Do steering-mounted controls improve safety?
  

  They reduce the need to reach for dashboard controls and help keep hands on the wheel. However, the actual safety depends on the driver’s behaviour and vehicle maintenance.

• Will retrofitting steering controls void my warranty or affect insurance?

  It depends. Check your policy wordings or warranty terms and contact your insurer or dealer for more information.

• Can any car be retrofitted with steering-mounted controls?

  It is possible, but compatibility varies. Wiring, clock spring and airbag layout determine feasibility.

• Are aftermarket controls reliable?
  

  Factory-fitted systems tend to be more integrated, while aftermarket options may offer limited features or require compromises.
  
  

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.

The BMW Z4, with its sleek roadster design, powerful engine and advanced features, offers a perfect balance of everyday comfort and exciting performance. If you are considering a luxury convertible, knowing its BMW Z4 specifications, price, features and mileage can help you make the right choice. This guide will give you all the insights you need to enjoy your Z4 confidently and wisely.

BMW Z4 price in India: All you need to know

The ex-showroom price ranges from ₹87.90 lakh to ₹92.60 lakh, depending on the variant and customisation.

BMW Z4 specifications

The BMW Z4 is a two-seater convertible known for its sporty performance and stylish design. The current M40i model features impressive BMW Z4 engine specs, with a 6-cylinder TwinPower Turbo petrol engine producing 375 hp and 500 Nm of torque.

It comes with rear-wheel drive and an 8-speed automatic transmission, enabling it to accelerate from 0 to 100 km/h in approximately 4.5 seconds.

The latest generation (G29) measures 4,324 mm in length, 1,864 mm in width and 1,304 mm in height, combining a sleek design with enjoyable driving dynamics.

Driving features of BMW Z4

The BMW Z4 offers a sporty and agile driving experience, featuring a TwinPower Turbo engine, rear-wheel drive and an 8-speed automatic transmission with paddle shifters. It features Variable Sport Steering, M Sport Differential and Adaptive Suspension, along with multiple drive modes; Eco, Comfort, Sport and Sport Plus, to suit different driving conditions.

Quick Launch Control adds rapid acceleration, while safety is ensured with ABS and Dynamic Stability Control. The optional M Sport Brakes provide extra stopping power for enhanced control.

Interior design of BMW Z4

The Z4 BMW interior is designed to be both luxurious and driver-focused. It features high-quality Vernasca leather and sport seats in a two-seater layout, along with optional M Sport finishes for added style.

The cabin includes a fully digital instrument cluster, ambient lighting and a user-friendly infotainment system with Apple CarPlay Android Auto, iDrive controller and optional Harman Kardon audio, creating a comfortable and high-tech driving environment.

Exterior design of BMW Z4

The BMW Z4 boasts a sleek roadster design, characterised by a long hood, short overhangs and a wide kidney grille, which lends it a low and sporty stance. Its soft-top roof opens or closes in about 10 seconds, while aerodynamic lines and an integrated rear spoiler enhance performance and style. Optional BMW Individual Shadow Line elements enable a more personalised look.

Colour options in BMW Z4

The BMW Z4 is available in several colors, including Alpine White, Black Sapphire Metallic, San Francisco Red Metallic, Skyscraper Grey Metallic, M Portimao Blau Metallic and Thundernight Metallic. Buyers can also choose custom options through BMW’s Individual programme to further personalise their Z4.

BMW Z4 mileage

The modern Z4 petrol automatic achieves approximately 12 kmpl, as per ARAI certification, while the real-world mileage for the Z4 M40i is reported to be around 10 kmpl. Actual fuel efficiency may vary depending on driving style and road conditions.

BMW Z4 user reviews

BMW Z4 owners generally appreciate its sharp handling and quick acceleration, making it fun to drive. The interior is comfortable for a two-seater, and the cabin feels premium with advanced features. Some users mention limited boot space as a drawback; however, overall, the Z4 is regarded as a stylish, practical and luxurious sports car.

Conclusion

Owning a BMW Z4 is about more than just style, performance and exclusivity; it also comes with responsibilities. Protecting your investment with a comprehensive car insurance policy ensures peace of mind and safeguards your car against potential risks.

Even if you choose the legal minimum, third-party car insurance covers damages to others and is required by law, helping you stay compliant while enjoying your Z4 confidently.

FAQs

• Can the Z4 handle city traffic?

Yes, it is compact and agile, though parking can be tight.

• How much luggage space does it have?

Approximately 281 litres, enough for short trips.

• What are the maintenance costs like?

Higher than regular cars; genuine parts and scheduled servicing are recommended.

• Do I need insurance for pre-owned Z4 models?

Yes, having proper insurance for used cars is crucial to protect your investment and ensure compliance with the law.

• Is it suitable for long drives?

Yes, but storage and cabin space are limited.

• Can the Z4 be customised?

Yes, BMW Individual allows personalised paint and interior options.

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.