Monsoon mornings test your car almost as much as your patience. You get in, turn the key or press the start button and the engine takes a little longer than usual to fire up. It may even splutter before finally starting, particularly after the car has been sitting for several hours. Knowing how to cold start a car in the rain can help you get moving without putting unnecessary strain on the engine. Here’s what you need to know.

Why Can Cars Be Difficult To Start During Rainy Weather?

During the monsoon, moisture and humidity can affect different vehicle components, making starting issues more noticeable. Here’s how rainy weather can affect vehicle systems:

Common Reasons a Car Fails To Start In The Rain

Here's why cold starting a car in the rain may cause some issues:

• Moisture in the ignition system: Dampness around components such as spark plugs, ignition coils and related connections can interfere with the spark required to start the engine.
• Weak battery: battery that is already ageing or low on charge may struggle to provide enough power for starting, especially after the car remains parked during rainy weather.
• Damaged or exposed wiring: Worn-out insulation, loose connections or exposed wiring may allow moisture to affect electrical flow.
• Faulty starter motor: A worn starter motor may already have difficulty turning the engine, and damp conditions can make the issue more noticeable.

Best Way To Cold Start a Car In Rainy Weather

Starting a car after it has been parked overnight takes a little more care during the monsoon. Here’s the best way to start a car in the monsoon:

Step 1: Turn off unnecessary electrical

Before you start the car, make sure the headlights, music system, air conditioning and other accessories are turned off.

Step 2: Turn on the ignition first

Switch on the ignition and wait for the dashboard warning lights to appear. In diesel cars, allow the glow plug indicator to turn off before starting the engine.

Step 3: Try to start the engine without repeated attempts

Start the engine, and if it does not start, wait 10 to 15 seconds before trying again. Do not try repeatedly, as it can drain the battery and damage the starter. Seek professional assistance if the car fails to start after multiple attempts.

Step 4: Let the engine warm up before driving

Once the engine starts, let it run for 30 to 60 seconds before putting it in gear. Drive slowly for the first few minutes. This lets the engine oil circulate and helps the engine warm up to its regular operating temperature.

Signs Your Car Needs Immediate Attention

If your car continues to show certain symptoms despite a proper cold start, it may be dealing with an underlying issue:

• Clicking sound with no crank when you turn the key.
• Frequent stalling, particularly in humid or wet environments.
• Dimming or flickering of dashboard lights when starting up.
• An unusual burning or musty odour coming from the engine bay or cabin.
• Visible rust or corrosion near the battery terminals.
• The engine stalls shortly after starting.
• Burning smell from electrical components.

Why Is Car Insurance Important?

Even with proper maintenance, rainy weather may increase the risk of accidents, and vehicle damage. While safe driving may help reduce these risks, car insurance offers financial support against repair costs and third-party liabilities. A comprehensive car insurance policy may also cover insured damages caused by accidents, theft, floods, storms and other natural calamities, subject to the policy terms.

Conclusion

Knowing the best way to cold start a car in cold weather can help you avoid unnecessary strain on the engine. Regular maintenance and appropriate car insurance coverage can also help you prepare for unexpected mechanical and financial setbacks.

FAQs

1. How long should I idle my car after a cold start?

Let the engine idle for around 30 to 60 seconds after starting, then drive gently until it reaches its normal operating temperature.

2. Can rain damage a car battery?

Rain does not normally damage a sealed car battery, but moisture can worsen existing problems such as corrosion, loose battery terminals or damaged wiring, making it harder to start the car in rainy conditions.

3. Can I restart my car if it stalls in deep water?

You should not restart your car if it stalls in deep water, as doing so can cause severe engine damage if water has entered the engine. Move the vehicle to safety if possible and seek professional assistance.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Families, businesses, and transport operators often have very different vehicle requirements. Some need extra seating capacity, while others need more cargo space or a vehicle built for commercial use. To meet these needs, van-type cars come in different sizes and configurations. Comparing different types of vans can help you identify the right option for your intended use.

Here is everything you need to know about the types of vans available in India and the factors to consider before choosing one.

Understanding Van Categories for Indian Buyers

India offers a variety of van-type cars to suit different consumer needs. Broadly, the following types are classified based on their purpose, and each type of van vehicle serves a specific function:

1. Budget Utility Vans

Budget utility vans are generally used to deliver or transport goods and support everyday travel. They can be a practical choice for small businesses and families, thanks to their compact size, good fuel efficiency, and ease of parking.

2. Commercial and Group Passenger Vans

Commercial and passenger vans are built to transport larger groups of people. They are commonly used for school transport, employee travel, and tourism. These vans offer ample seating, spacious cabins, comfortable interiors, and features that make longer journeys more convenient.

3. Ultra-Luxury Vans and Minivans

Luxury vans and different minivans usually focus on comfort and convenience for passengers. Their features cover spacious cabins, reclining seats, advanced infotainment systems, climate control, and premium interiors. Although less common in India, these vans are generally used for executive travel, luxury tourism, and chauffeur-driven transport.

Popular Van Models in India

Buyers exploring vans in the Indian market generally find options across diesel, petrol, Compressed Natural Gas (CNG), and increasingly, electric fuel types.

Here are some of the popular van models in the Indian market:

How to Choose the Right Van?

The best van type for you depends on how you plan to use it. Here are a few factors to consider before making a choice:

• Purpose: Decide based on the primary use of the van, whether it is for family travel, business use, or transporting goods.
• Budget: Consider the overall cost of ownership, including the purchase price, four-wheeler insurance, fuel, and maintenance expenses.
• Seating Capacity: Consider the number of seats required based on the expected number of passengers.
• Payload Capacity: The payload capacity should match the weight of the goods or equipment the van is expected to carry.

Why Is Car Insurance Important for Van Owners?

Under the Motor Vehicles Act, 1988, Section 146, all types of vans and cars plying on public roads must carry a valid third-party car insurance plan. Beyond meeting this legal obligation, insurance also serves a practical purpose. Depending on the policy terms, it can offer financial protection against covered losses and third-party liabilities. Private van owners may also opt for comprehensive car insurance to protect their vehicle against any accidents, theft, and natural disasters.

Conclusion

The choice among the different types of vans depends on what you expect the vehicle to do every day. Focusing on practicality, ownership costs, and intended use can help narrow your options. After making your decision, review the insurance policy wording carefully to understand the available coverage, terms, conditions, and exclusions.

FAQs

1. Which type of van is best for a large family?

A full-size passenger van or a large modern minivan could be a good choice for a large family because it provides large seating capacity, more cargo space, and flexible configuration options.

2. What is the difference between a passenger van and a cargo van?

Passenger vans are generally built to transport people with multiple rows of seats and windows, while cargo vans are built to transport goods with an open rear space and solid metal sides.

3. Can I drive a van with a regular driving licence?

Yes. Under Indian law and Supreme Court rulings, a regular Light Motor Vehicle (LMV) driving licence can be used to drive a van if the gross vehicle weight is up to 7,500 kg.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Not every road in India offers the same driving conditions. Some routes include rocky terrain, waterlogged stretches, or unpaved tracks, particularly during the monsoon. In such situations, a 4x4 car can provide additional traction and control.

The best 4x4 cars in India are available with different capabilities and features. Here is everything you need to know before choosing one.

List Of Best 4x4 Cars In India

The best 4x4 cars in India differ in their engines, drivetrain systems, and off-road capabilities. The table below covers key specifications to help you compare.

Key Features to Look for in a 4x4 Car

Before shortlisting the best 4x4 SUV in India, knowing which features to prioritise can make the selection process considerably simpler. Some of these features include:

• 4WD (Four-Wheel Drive) System Type: A 4WD system powers all four wheels of the car simultaneously, improving traction where two-wheel drive may lose grip. These systems are available in part-time and full-time configurations, and some can be engaged while the vehicle is in motion.
• Low-Range Transfer Case: Provides additional torque at low speeds, helping improve control on steep inclines and loose terrain. It is commonly found in vehicles designed for regular off-road driving.
• Ground Clearance: Higher ground clearance reduces the risk of underbody damage on rocky or waterlogged surfaces. The specified ground clearance varies by model.
• Locking Differentials: Help keep the wheels turning when traction is lost. Depending on the model, these may be mechanical or electronic.
• Terrain Management Systems: Automatically adjust different vehicle functions to match the driving surface, helping improve control in changing conditions.
• Safety Features: Common safety features include dual airbags, ABS (Anti-lock Braking System) with EBD (Electronic Brakeforce Distribution) and crash safety ratings.

Things to Consider Before Buying a 4x4 Car

The best 4-by-4 car in India for you depends on your driving needs, budget, and preferred features. Consider these factors before making a choice:

• Budget, including maintenance and running costs
• Primary usage such as city driving, highways, or off-road travel
• Fuel and expected mileage
• Seating capacity and luggage space
• Ground clearance
• Manual or automatic transmission options
• Safety ratings and standard safety features
• Resale value
• Warranty coverage and roadside assistance
• Authorised service centres
• Spare parts availability

Why Is Comprehensive Car Insurance Important for a 4x4 Car? 

The best 4x4 off-road cars in India are built for demanding conditions, but that same capability comes with higher exposure to risk. Third-party car insurance, while legally mandatory, only covers damage caused to another party and leaves your own vehicle unprotected.

Comprehensive car insurance, on the other hand, covers your vehicle against accidental damage, theft, fire, and natural calamities, among other events. For a vehicle that regularly operates in high-risk conditions, financial exposure without this cover can be significant.

Inclusions, exclusions, and add-on options vary across insurers, so review the policy wordings before finalising your choice.

Conclusion

To choose the best 4x4 in India for your needs, test your shortlisted options against your usual driving conditions, budget, and ownership expectations. Take a test drive to assess comfort and handling, check the warranty and ownership costs, and arrange suitable car insurance before you drive your new vehicle home.

FAQs

1. What is the difference between 4x4 and AWD?

A 4x4 system is typically manually engaged by the driver and is built for off-road driving, improving traction on surfaces like mud, sand, and rocky trails. An AWD system, on the other hand, works automatically, adjusting power between the wheels to improve grip and stability on regular roads and in changing weather conditions.

2. Are 4x4 cars expensive to maintain?

The maintenance cost usually depends on the type of car, brand, availability of spare parts, servicing requirements, and driving conditions. The best 4x4 off-road cars in India generally have higher maintenance costs than entry-level models.

3. Are 4x4 cars good for daily driving?

Yes, many modern 4x4 vehicles are designed for both daily driving and occasional off-roading, although fuel efficiency and comfort might vary between models.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

A clean windshield does much more than improve the appearance of your car. It gives you a clear view of the road, reduces glare from sunlight and headlights, and helps your wipers perform properly during rain. Dust, fingerprints, bird droppings, insect residue and hard water stains can build up over time, making it difficult to see clearly.

If you want streak-free glass without damaging the surface, the right cleaning method makes all the difference.

How to Clean a Car Windshield: Step-by-Step

If you are wondering how to clean the inside of a car windshield, here is how you can do it:

• Avoid cleaning the windshield under direct sunlight. Heat causes the cleaning solution to dry too quickly, leaving streaks behind. A cool surface gives you enough time to wipe the glass properly.
• Use a dry microfibre cloth or gently rinse the windshield with clean water to remove dust, sand and loose particles. This prevents scratches when you begin wiping the glass.
• Use an automotive glass cleaner or prepare a simple solution by mixing equal parts distilled water and white vinegar. Avoid products that leave oily residue, as they can create glare while driving.
• Spray the cleaner onto the microfibre cloth instead of directly onto the windshield. This reduces overspray on your dashboard, bonnet and paintwork.

Common Mistakes to Avoid While Cleaning Your Windshield

Now that you know how to clean a windshield on a car, avoid these common errors:

• Using paper towels, which can leave lint behind.
• Cleaning dry glass without removing abrasive dust first.
• Using household cleaners containing ammonia on tinted windows.
• Scrubbing stubborn stains with excessive force.
• Ignoring the inside of the windshield, where smoke residue, fingerprints and interior dust gradually accumulate.

Tips to Keep Your Windshield Clean for Longer

A few simple habits can help keep your windshield cleaner between washes.

• Replace worn-out wiper blades as recommended by the manufacturer.
• Refill the washer fluid with a quality automotive solution instead of plain water.
• Remove bird droppings and insect remains as soon as possible.
• Park under covered areas whenever practical to reduce exposure to tree sap and dust.
• Apply a rain-repellent glass treatment if you frequently drive during the monsoon, as it helps water slide off the glass more easily.

Why Car Insurance Matters for Every Vehicle Owner?

Keeping your windshield clean improves visibility, but accidents and unexpected damage can still happen. A stone thrown up by another vehicle, falling debris or vandalism can crack or shatter the glass without warning.

Every vehicle owner must have third-party car insurance to meet the legal requirement for driving on Indian roads. However, it only covers damage or injury caused to a third party and does not pay for damage to your own vehicle, including a cracked windshield.

Coverage from the best car insurance provider can offer financial protection against accidental damage, natural disasters, theft and other covered risks. Insurers also offer cashless repairs through authorised garages, making the claims process more convenient. Before purchasing a policy, compare the coverage, exclusions, deductibles and claim settlement record to choose one that matches your driving needs.

Conclusion

Cleaning your car windshield takes only a few minutes, but it has a direct impact on driving safety. Using the right tools, following the correct cleaning technique and avoiding common mistakes will help you maintain clear visibility throughout the year. Regular care also extends the life of your wiper blades and improves your overall driving experience.

FAQs

1. What is the best way to clean a car windshield?

Use a clean microfibre cloth and an automotive glass cleaner or a mixture of distilled water and white vinegar. Wipe the glass in overlapping strokes and finish with a dry microfibre cloth for a streak-free finish.

2. What is the best way to remove windshield haze?

Clean both sides of the windshield using a dedicated glass cleaner. If haze remains, use a glass polishing product designed for automotive use to remove mineral deposits, oxidation or stubborn residue without damaging the surface.

3. What not to clean your windshield with?

Avoid abrasive scrubbers, rough fabrics, ammonia-based cleaners on tinted glass, steel wool and harsh chemical solvents. These products can scratch the glass, damage window tint or leave residue that affects visibility.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

A flat tyre can happen without warning, whether you are driving through city traffic or travelling on a highway. Knowing how to replace it yourself can help you get back on the road safely without waiting for help. The process is straightforward if you have the right tools and follow each step carefully.

Steps to Change a Flat Tyre

If you are wondering how to change a car tyre, follow these steps:

• Move your car away from moving traffic. Switch on the hazard lights and engage the parking brake. If you have a manual transmission, leave the car in first gear or reverse. For an automatic, shift to Park.
• Position wheel chocks, bricks or wooden blocks behind and in front of the tyre diagonally opposite the damaged one. This prevents the vehicle from rolling while it is lifted.
• Use a lug wrench to turn each wheel nut anticlockwise. Loosen them slightly before raising the vehicle. Do not remove the nuts completely at this stage.
• Locate the jacking point mentioned in your owner's manual. Place the jack under the correct point and raise the vehicle until the flat tyre is a few centimetres above the ground.
• Unscrew the loosened wheel nuts and keep them in a safe place. Hold the tyre firmly and pull it straight towards you to remove it from the wheel hub.
• Align the holes of the spare tyre with the wheel studs and push it into place. Hand-tighten all the wheel nuts to keep the tyre secure.
• Lower your vehicle until the spare tyre touches the ground completely. Remove the jack once the car is stable.
• Use the lug wrench to tighten the wheel nuts in a criss-cross pattern. This helps apply even pressure and keeps the wheel properly secured.

Things You Need Before Changing a Flat Tyre

Now that you have the answer to "How do you change a car tyre?", keep the following essentials handy to avoid any challenges:

• Spare tyre in good condition
• Car jack
• Lug wrench
• Wheel chocks or sturdy blocks
• Reflective warning triangle
• Torch with working batteries
• Owner's manual for jacking points

Common Mistakes to Avoid While Changing a Tyre

When changing a tyre after reading the 'How to Change a Spare Tyre' section in your vehicle's manual, avoid these common mistakes:

• Forgetting to engage the parking brake
• Removing all wheel nuts before raising the vehicle
• Placing the jack at the wrong lifting point
• Tightening wheel nuts randomly instead of using a criss-cross pattern
• Driving long distances on a temporary spare tyre

Why Car Insurance with Roadside Assistance Can Be Helpful

Changing a tyre yourself is not always practical. Heavy traffic, poor weather, darkness or an unsafe roadside location can make the task risky. This is where roadside assistance, offered as an add-on by the best car insurance providers, can be helpful.

Depending on your insurer and plan, roadside assistance may include:

• Flat tyre replacement using your spare wheel
• Towing if the tyre cannot be replaced on-site
• Battery jump-start service
• Emergency fuel delivery
• Minor on-site repairs
• Locksmith assistance if you are locked out

Roadside assistance can reduce delays and help you receive professional support when changing the tyre yourself is not the safest option. However, this add-on is not available if you only have third-party car insurance.

Conclusion

Replacing a flat tyre is a useful driving skill that can save time during an unexpected breakdown. Following the correct procedure, using the right tools and prioritising safety can make the task much easier. If conditions are unsafe or you are unsure about the process, contact roadside assistance instead of attempting the repair yourself.

FAQ's

1. What tools do I need to change a flat tyre?

You typically need a spare tyre, car jack, lug wrench, wheel chocks, reflective warning triangle, gloves, a torch and your vehicle's owner's manual.

2. When should I call roadside assistance?

Call roadside assistance if you do not have the required tools, the tyre is damaged beyond replacement, the road is unsafe, visibility is poor, or the wheel nuts cannot be loosened.

3. Can I use a spare tyre that is older but has never been used?

Not always. Tyres deteriorate with age, even if they have not been driven on. Check the manufacturing date and inspect the tyre for signs of ageing.

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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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

When you inspect a used car, the paint can reveal far more than its appearance. A fresh coat of paint may hide accident repairs, panel replacement or poor-quality bodywork. That is where a paint thickness meter becomes useful. It measures the thickness of the paint coating on different parts of a vehicle, helping you identify inconsistencies that may not be visible to the naked eye.

If you are buying a pre-owned vehicle or checking your own car after repairs, knowing how to use a paint thickness tester can help you make a more informed decision.

What Is a Paint Thickness Meter?

A paint thickness gauge is a handheld device that measures the thickness of paint or coating applied to a surface. Most automotive paint thickness meters display readings in microns (µm), where one micron equals one-thousandth of a millimetre.

Modern vehicles usually have several paint layers, including the primer, base coat and clear coat. The meter measures the combined thickness of these layers without damaging the paint.

Many digital models can measure paint on both steel and aluminium panels, making them suitable for most passenger vehicles.

Why Is a Paint Thickness Meter Used?

A paint thickness checker helps you assess a vehicle's paint condition before making a purchase or evaluating repair work.

It can help you:

• Detect repainted or repaired body panels
• Identify accident-related repairs
• Verify the quality of body shop work
• Compare paint thickness across different panels
• Support vehicle inspections before resale

Types of Paint Thickness Meters

The ideal meter depends on the type of surface you are measuring.

• Magnetic Paint Thickness Meter: This type works on steel surfaces using magnetic attraction. It is simple, affordable and commonly used for basic inspections.
• Eddy Current Paint Thickness Meter: Designed for non-ferrous metals such as aluminium, this meter uses electromagnetic principles to measure coating thickness accurately.
• Combined Paint Thickness Meter: Most modern digital meters combine both technologies. They automatically detect whether the panel is made of steel or aluminium, making them the preferred choice for inspecting newer vehicles.

How to Use a Paint Thickness Meter?

If you are wondering how to use a paint thickness gauge, follow these steps:

• Remove dust, dirt and moisture from the panel before taking measurements. A clean surface reduces the chance of inaccurate readings.
• Many digital meters include calibration plates and reference foils. Follow the manufacturer's instructions before use, especially if you require highly accurate results.
• Turn on the meter and check if it identifies the correct substrate. Most advanced models automatically recognise steel or aluminium.
• Hold the probe perpendicular to the painted surface. Press it gently without moving it until the reading appears on the display.
• Measure several points on each panel. Consider bonnet, roof, doors, fenders and boot. Multiple readings provide a more reliable assessment than a single measurement.
• Factory paint thickness usually remains fairly consistent across original panels. Significant variations may indicate repainting, filler or body repairs.

Why Is Car Insurance Important for Vehicle Owners?

While a paint thickness meter helps you inspect a vehicle's physical condition, a car insurance policy protects you against financial losses after unexpected events.

A comprehensive car insurance policy can provide financial protection against:

• Accidents
• Theft
• Fire
• Natural disasters
• Man-made events such as riots or vandalism
• Third-party liabilities, as required under Indian motor insurance regulations

If your vehicle requires body repairs after an insured event, a comprehensive car insurance policy can help reduce out-of-pocket expenses, subject to its terms and conditions.

Conclusion

A paint thickness meter helps you check whether a car still has its original factory paint or if any panels have been repainted. By comparing readings from different parts of the vehicle, you can spot variations that may point to previous repair work or accident damage.

FAQ's

1. What is a good paint thickness reading?

A good factory paint thickness reading is typically between 80 and 180 microns (µm), depending on the vehicle manufacturer.

2. How can I tell if a car has been repainted?

A car may have been repainted if one or more panels show significantly higher paint thickness readings than the rest. Other signs include uneven paint texture, colour mismatch, overspray and inconsistent panel gaps.

3. Can paint thickness affect a car's value?

Yes. Unusually high paint thickness may indicate previous repairs or repainting, which can reduce a car's resale value.

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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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Most car journeys are uneventful. You start the engine, reach your destination, and carry on with your day. But every driver knows that unexpected situations can show up without warning. A flat tyre on a busy road or a dead battery before an important meeting can turn even a simple drive into a stressful experience.

In these scenarios, roadside assistance cover can be very useful. It gives you access to help when your car breaks down, so you do not have to handle the situation alone. If you are wondering whether it is worth adding to your policy, understanding the benefits of roadside assistance cover in car insurance can help you make a more informed decision.

Benefits of Roadside Assistance Cover for Car

A car breakdown rarely happens at a convenient time. So, having support available when you need it the most can make a big difference. Here are the benefits of roadside assistance cover:

1. Help Is Available When Your Car Stops Unexpectedly

One of the main benefits of roadside assistance is quick help when your car suddenly breaks down. Instead of panicking or searching for help nearby, you can directly contact your insurer and get assistance arranged.

2. Towing Support When Repairs Are Not Possible

If your car immobilized or rendered unfit for the purpose of driving on the road , it is taken to a nearby authorised workshop. It is one of the key benefits of roadside assistance for car owners.

3. Assistance for Common Issues

Flat tyres, battery jump start or arrangements of keys in case lost and other such covered events are handled. These everyday problems are usually covered under roadside assistance benefits for a car, helping you get back on the road faster.

4. Peace of Mind During Long Drives

When you travel long distances, knowing help is available makes a big difference. This is why many people include roadside assistance cover before road trips or frequent travel.

5. Saves You from Unexpected Expenses

Towing or emergency help without coverage may expose you to financial risk. With roadside assistance included, you avoid sudden out-of-pocket expenses during breakdown situations.

Factors to Consider Before Opting for Roadside Assistance Cover

Roadside assistance can be useful, but it is worth checking a few details before adding it to your policy:

1. Service Area

Support may not be available everywhere. If you travel to remote or less-connected areas, it is important to confirm with your insurer where assistance is provided.

2. Coverage Offered

Not all policies are the same. Some include towing, battery jump-starts, and tyre changes, while others add fuel delivery or even accommodation support. It helps to check what is actually included before you choose.

3. Cost Versus Usage

This add-on is available at an additional premium. It makes sense to weigh how often you drive against the cost, so you are paying for something you will actually use.

4. Vehicle Age and Condition

If you drive often, the cover can feel more useful compared to occasional use.

Role of Car Insurance In Case Of Car Breakdown

Your car insurance policy mitigates your financial risk if your car meets with an accident, is stolen and for other covered risks.

This is where roadside assistance helps you. When you add this cover to your policy, you get access to support services that help you manage breakdown situations more easily.

Conclusion

Breakdowns can feel stressful, especially when you are stuck without immediate help. The benefits of roadside assistance cover in car insurance make those moments easier by offering quick support like towing, battery help, and tyre assistance when you need it the most.

Before choosing an add-on, compare the services offered and review the coverage limits.

FAQs

1. Is there a limit on towing distance?

Yes, most policies have a fixed towing limit, which varies by insurer. Always check your policy details before buying.

2. Can I buy an RSA for a car separately?

Yes, roadside assistance can be bought as an add-on with an existing active car insurance policy.

3. Does RSA affect my No-Claim Bonus (NCB)?

Usually no, since it is treated as a service request, not a damage claim. Still, it is best to confirm with your insurer.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Every few years, the insurance landscape shifts in ways that reshape how India thinks about road safety. The Supreme Court’s recent direction on long‑term third‑party motor insurance is one such turning point, not abrupt, but thoughtful, and grounded in the need to strengthen protection for every road user.

For millions of motorists across the country, this development is more than a policy change. It is a reminder that responsible driving extends beyond the steering wheel; it begins with proper insurance coverage.

A Closer Look at the Court’s Direction

The Supreme Court has extended the mandatory third‑party insurance period for all new vehicles. For car buyers, this moves the requirement from three years to four, and for two‑wheeler owners, from five years to six. The intention is clear: longer coverage durations reduce the chances of vehicles becoming uninsured midway through their early years on the road, a period when compliance tends to slip.

From an insurance perspective, this shift supports a more predictable claims environment and encourages consistent protection, especially in the early lifecycle of a vehicle.

Why This Matters: The Larger Context

Today, a significant number of vehicles across the country still operate without valid motor insurance. That creates vulnerabilities not only for the uninsured driver but also for third parties who may be affected in the event of an accident.

Uninsured vehicles can lead to:

• Delays in compensation
• Lengthy legal processes
• Stress for families already coping with loss or injury
• Complications in determining liability

By encouraging longer-term third‑party coverage, the Court is signaling the importance of uninterrupted financial protection for vehicle owners and the wider community.

Exploring a New Compliance Mechanism: “No Insurance, No Fuel”

Among the Court’s suggestions is a pilot initiative that could, in the future, link insurance validity with fuel availability. The idea is straightforward: if a vehicle does not have valid insurance, petrol pumps may be restricted from dispensing fuel.

While still at a conceptual stage, this approach reflects a broader movement toward proactive compliance, using technology and real‑time data validation to ensure that vehicles remain insured throughout their active life on the road.

Key components the Court has asked authorities to explore include:

• Digital verification at fuel stations
• Integration of insurance data with ANPR (Automatic Number Plate Recognition)
• Greater use of technology to identify uninsured vehicles

This is not a penalty-driven approach rather; it nudges vehicle owners toward timely renewal and reinforces the value of continuous protection.

Technology at the Heart of Enforcement

The Court has also emphasised the need to strengthen the digital backbone of India’s motor insurance ecosystem. This includes:

• Connecting ANPR cameras with IIB and VAHAN databases
• Equipping enforcement personnel with mobile tools to verify insurance in real time
• Ensuring smoother data exchange between agencies

As India modernises its road infrastructure, such technological integration is becoming essential to ensure reliable compliance and a more transparent insurance environment.

Motor Insurance Framework for Better Clarity

To help customers better understand and choose coverage, the Court has encouraged a clear, structured offering that includes:

1. Mandatory third‑party insurance
2. Passenger/pillion liability cover
3. Personal accident cover
4. Own‑damage (OD) cover

This layered approach allows vehicle owners to build a protection package that meets their needs from basic compliance to comprehensive coverage.

What This Means for New Vehicle Owners

For those purchasing a new vehicle, here’s what the updated guidance implies:

• Longer mandatory third‑party coverage (four to six years depending on the vehicle)
• Fewer renewal touchpoints during the first ownership phase
• Continued flexibility to choose add‑on covers
• Potential for more transparent and structured insurance journeys

In essence, the goal is to make sure the vehicle remains continuously protected during the period when compliance is most likely to lapse.

Impact on the Motor Insurance Industry

For insurers, this development encourages:

• Improved long‑term compliance
• Reduced incidence of uninsured vehicles
• Greater customer awareness of optional covers
• Enhanced focus on digital journeys and seamless renewals

Across the sector, this creates an environment where customer education, accessibility, and responsible insurance practices can grow stronger.

A Step Toward Safer Roads

This decision isn’t just about insurance; it’s about reinforcing a culture of responsibility. Longer third‑party coverage, potential technology-driven compliance measures, and clearer product frameworks collectively strengthen India’s road safety fabric.

At ICICI Lombard, we believe that being insured is more than fulfilling a requirement. It is an essential part of safeguarding one’s financial well‑being and contributing to safer roads for all. We remain committed to supporting customers with solutions that are simple, transparent, and aligned with evolving regulations.

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Disclaimer: This information is based on directions proposed by the Supreme Court and is not yet final. Readers are advised to refer to official government notifications or verified news updates for confirmed guidelines. Some of the information for this article has been referenced from the following news report: “No Insurance, No Fuel? Supreme Court Asks Centre To Launch Pilot Project” https://www.ndtv.com/india-news/insurance-term-no-insurance-no-fuel-supreme-court-asks-centre-to-launch-pilot-project-11866085

You may have been driving for years. You know the roads, follow the signals and handle everyday driving with confidence. But experience alone does not guarantee safe driving. Driver safety awareness goes beyond knowing how to operate a vehicle. It means staying alert, paying attention to your surroundings and anticipating potential hazards on the road. Every journey, whether long or short, involves sharing the road with other drivers, pedestrians and cyclists. Drivers' awareness is what keeps everyone safe.

What is Driver Safety Awareness? 

Driver safety awareness is the ongoing habit of staying alert, focused, and mentally present behind the wheel, rather than relying on muscle memory alone. It goes beyond knowing traffic rules. It means constantly reading the road, anticipating what other vehicles and pedestrians might do, and reacting before a situation turns risky.

Most accidents happen because of a distracted mind, a quick look at a phone, or the assumption that the car ahead will not brake suddenly. A driver who is truly aware treats every trip, however short or familiar, with the same level of attention. This awareness is not a one-time skill you pick up and forget. It is a mindset you carry into every drive.

Why Does the Importance of Driver Safety Awareness Go Beyond Just You?

Human error drives the majority of road fatalities each year.

The importance of driver safety awareness on roads is not just personal. Every time you drive distracted or overconfident, you raise the risk for every pedestrian, cyclist, and passenger around you. Road safety is shared, and your awareness is part of that deal.

What are the Driving Habits That Make a Difference?

The importance of driver safety awareness shows up in small, everyday choices. Here are the ones that matter most:

• Put the Phone Away: Not on the seat, not in the cupholder, just out of reach. Even a two-second glance at a notification is enough to miss a pedestrian stepping off the kerb.
• Respect Speed Limits: These are set based on road design, traffic density, and accident history. They are not mere suggestions.
• Maintain Following Distance: A three-second gap between you and the vehicle ahead gives you room to react. In rain or fog, double it.
• Check Your Vehicle Regularly: Worn brake pads, low tyre pressure, and a flickering headlight are not minor inconveniences. They can be accidents waiting to happen.

How Do Defensive Driving Techniques Help?

Defensive driving is built on one simple idea: assume other drivers will make mistakes, and you drive accordingly.

For example. A vehicle ahead slows down without indicating. A driver on autopilot brakes hard and hopes for the best. A driver practising driver’s awareness already has enough distance to respond calmly, because they were not tailgating.

Check mirrors regularly and scan ahead. Similarly, check blind spots before changing lanes.

How Does Car Insurance Support Safer Driving?

While car insurance cannot prevent accidents, it plays an important role in encouraging responsible driving and reducing the financial impact of unexpected events. Knowing you have financial protection can help you focus on following traffic rules, maintaining your vehicle and driving more carefully instead of worrying about potential repair costs.

A comprehensive car insurance policy also provides wider coverage for covered damages caused by accidents, theft, fire or natural disasters, giving you greater peace of mind on the road. Combined with safe driving habits, the right insurance helps you stay better prepared for unforeseen situations.

Conclusion

Road safety comes down to choices made before you even start the engine. Build real driver safety awareness, practise defensive driving, keep your vehicle in shape, and back it all up with comprehensive car insurance. You are not just protecting yourself. You are making the road safer for everyone on it.

 FAQs

1. Why is driver awareness important?

Driver awareness helps you notice potential hazards early and respond in time. Staying alert to traffic, pedestrians, road signs, and the actions of other road users can reduce the chances of accidents and make the roads safer for everyone.

2. What are the basic rules for safe driving?

Safe driving starts with following traffic rules, staying within speed limits, wearing a seat belt, avoiding distractions, and maintaining a safe distance from other vehicles. Driving according to road and weather conditions, along with keeping your vehicle well maintained, also contributes to safer journeys.

3. Why do familiar roads sometimes lead to careless driving?

When you drive the same route every day, it is easy to switch to autopilot mode. That comfort can make you miss sudden changes like roadwork, potholes, new traffic patterns, or careless drivers nearby.

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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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Events like an Auto EV Expo demonstrate how fast electric mobility is evolving in India. These events do not just showcase new technologies, but also bring together carmakers, component suppliers, and curious buyers under one roof. An Auto EV show gives you a clear picture of the innovations happening in the field of electric mobility. These expos might be well worth your time. Read on to know what they are and where to find them.

What Is an Auto EV Expo?

An Auto EV Expo is an exhibition dedicated to electric and hybrid vehicles, along with the technology that powers them. These shows put entire EV ecosystems on display, including:

• Electric cars, two-wheelers, and three-wheelers.
• Batteries, motors, and charging infrastructure.
• Software, connected vehicle tech, and safety systems.
• Component manufacturers and start-ups.

An EV Auto Expo is not just for industry insiders. These shows also welcome the general public, giving buyers a chance to compare models and understand the EV landscape before making a purchase.

Popular EV Auto Shows in India

India hosts several events each year, including:

• Bharat Mobility Global Expo (formerly known as Auto Expo): This is India's largest mobility showcase, held in Delhi NCR across venues such as Bharat Mandapam and the India Expo Mart in Greater Noida. It mainly covers passenger vehicles, EVs, components, and commercial mobility.
• Auto EV Show: This is an international exhibition on automotive and EV technology, held in Pune. It brings together OEMs, Tier 1 suppliers, and technology providers working on batteries, motors, charging, and testing solutions.
• AutoEV Bharat: This is a technology-focused exhibition held in Bengaluru, covering EV technology, battery manufacturing, charging infrastructure, and smart mobility.
• EV India Expo 2026: This expo showcases the latest innovations in EVs and charging infrastructure. It will be held in Greater Noida from 01 to 03 September 2026. You can register at https://evindiaexpo.in/.

Each show focuses on something special, such as consumer launches or deep technology showcases.

What to Expect at an EV Auto Show

A well-organised Auto EV show in India typically follows a similar pattern. You can expect:

• New model launches and concept vehicle reveals.
• Live demonstrations of charging technology and battery systems.
• Panel discussions and talks from industry experts.
• Dedicated zones for components, software, and start-ups.
• Chances to sit in vehicles and speak directly with brand representatives.

Larger shows also host government officials and policy sessions, since electric mobility in India is closely tied to incentives and infrastructure planning. If you are researching a purchase, this is a useful chance to compare range and after-sales support across brands in one visit.

Why You Should Visit an EV Expo

Attending an electric vehicle expo in India can offer you a chance to gain practical knowledge about EVs:

• Compare models side by side. You can see several EVs in one place and analyse build quality, features, and pricing.
• Understand the technology. Specialists explain key factors such as battery life, charging speeds, and range claims so buyers can easily grasp them.
• Get early access tolaunches. Many manufacturers choose expos to unveil new models before they reach dealerships.
• Understand the total cost of ownership. An EV expo gives you the opportunity to compare not just vehicle prices but also long-term ownership costs, including charging, maintenance and car insurance premiums, which may vary between electric and petrol vehicles.
• Network and learn. These shows are also a good place to meet suppliers and potential partners.

Conclusion

An auto EV expo is a good place to see how fast electric mobility is evolving in India. In addition to comparing new vehicle models, visitors can learn about charging options and speak directly with manufacturers and industry experts. If you are planning to buy an EV after attending one of these events, remember to include electric car insurance in your overall budget. Choosing a suitable cover early can help you stay financially prepared once you take your new vehicle on the road.

FAQs

1. Can I test drive electric vehicles at an Auto EV Expo?

Some Auto EV Expos offer test drives or ride experiences for selected electric vehicles. However, availability depends on the organiser, participating brands and the venue.

2. When is the Auto Expo EV section held?

The Auto Expo, now known as the Bharat Mobility Global Expo, has moved to a biennial schedule. It will be held in February 2027 in Delhi NCR.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

A diesel car can offer years of reliable performance and impressive mileage. But as the years go by, depreciation naturally becomes part of the ownership journey. Understanding what drives diesel car depreciation (and which factors you can influence) can help you make smarter ownership decisions and choose the right time to sell.

What Is Diesel Car Depreciation?

Diesel car depreciation refers to how much a vehicle’s market value decreases over time. Factors such as evolving emission regulations, running costs, and changes in buyer preferences can influence how quickly a diesel car loses value compared with petrol models.

There is no single depreciation figure. A vehicle’s market value, insurance value, and tax‑related value may all be calculated differently, which is why quotes for the same diesel car can vary.

Factors Affecting Diesel Car Depreciation

Some diesel cars may lose value faster than normal. Here's what to keep in mind the longer you own your car.

• Emission Norms: Stricter BS6 norms and certain city-specific restrictions have reduced demand for older diesel models.
• The 10-Year Rule: In places like Delhi-NCR, diesel vehicles cannot legally operate beyond 10 years.
• Fuel-Type Shift: Rising demand for EVs and CNG vehicles is decreasing the mileage edge of diesel cars.
• Maintenance Perception: Diesel engines are costlier to service, and potential buyers will usually account for that.
• Segment Demand: Diesel hatchbacks tend to depreciate faster than diesel SUVs, as buyers often associate diesel engines with larger vehicles.

Diesel Car Depreciation Rate in India

Market data suggests that diesel cars lose around 45-50% of their value within five years.  But the exact diesel car depreciation rate varies by brand, model, mileage, and market conditions. For insurance purposes, your car's Insured Declared Value (IDV) is calculated using a fixed depreciation schedule set by regulators.

How to Reduce Diesel Car Depreciation?

You cannot stop depreciation, but you can slow it. These are some habits that can help you:

• Service on Schedule: A well-documented service history reassures potential buyers.
• Keep Mileage in Check: Lower mileage generally supports better resale value.
• Early Fixing of Small Issues: Addressing minor issues early can help prevent larger repairs later.
• Keep Paperwork Updated: Valid RC, insurance documents, and service records help build buyer confidence.
• Sell Before the Depreciation Peaks: Values often drop most after the fourth year; timing your sale can help preserve resale value.

How Depreciation Affects Car Insurance Claim Value

Under your car insurance policy, any own‑damage claim is settled based on the vehicle’s current insured value rather than its original purchase price. As the car ages, depreciation affects the IDV, and claim amounts may be adjusted accordingly.

However, third-party car insurance remains unaffected because it covers damage or injury caused to others.

Conclusion

Diesel cars may depreciate faster than some alternatives, and many influencing factors lie outside the owner’s control. What you can manage is how well you maintain the vehicle. Timely servicing and understanding your car’s age‑related value can help you make informed decisions when considering resale and contribute to a smoother ownership experience.

FAQs

1. How much does a diesel car depreciate in 5 years?

On average, a diesel car can lose up to 50% of its market value within five years, depending on usage, demand, and condition.

2. Do government restrictions affect the value of diesel cars?

Government restrictions, such as the 10‑year limit for diesel vehicles in Delhi‑NCR, can influence demand and resale value.

3. Is it still worth buying a diesel car today?

A diesel car may be suitable for long‑distance drivers who prioritise fuel efficiency, while city‑only users might find the depreciation and usage restrictions less favourable.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

You have probably noticed that some cars glide through mud while others get stuck. It’s not just the engine. After the engine produces power, other parts determine traction. That is where the drivetrain steps in, the reason why your car wheels move the second you hit the accelerator. Let us start with understanding what a drivetrain is in detail.

What Is a Drivetrain in a Car?

Simply put, a drivetrain is the group of components that carries power from the engine to the wheels that actually move your car. It includes everything in that power-delivery chain, except the engine itself. Every drivetrain works with a set of core parts, each responsible for a different job in getting that power from the engine to the road.

How Does a Drivetrain Work?

Now that you know what a drivetrain is, let’s understand how it works:

Types of Drivetrain Systems in Cars

Not every car sends power to its wheels the same way. Depending on which wheels do the work, you will find four main types of drivetrain systems in cars today.

Difference Between Drivetrain and Powertrain

A powertrain covers the engine plus the entire drivetrain. Your drivetrain, on the other hand, is just the delivery system that takes the engine’s output and turns it into motion, excluding the engine. You can remember the difference with this summary:

Importance of Having Reliable Coverage Like Car Insurance

A drivetrain is built to last, but accidents, floods, fallen trees, or collisions may damage expensive components such as the transmission, differential, driveshaft, or axle. Repairing or replacing these parts may cost thousands of rupees, which is why a car insurance policy is so important.

A comprehensive car insurance policy may help cover repair costs arising from insured events, reducing your financial burden. However, coverage varies by insurer, policy terms, and applicable exclusions.

Conclusion

A drivetrain may not be the flashiest part of your car, but it is one of the most essential. If you know what the drivetrain is in a car, you can understand your vehicle better. And when the unexpected happens, comprehensive car insurance ensures you are not left to handle it alone.

FAQs

1. What are common drivetrain problems?

Unusual noises, vibrations while driving, fluid leaks, and delayed acceleration are some of the common drivetrain problems. Ignoring these may lead to costlier repairs.

2. What is the most fuel-efficient drivetrain?

FWD systems are often more fuel‑efficient due to simpler layouts and lower drivetrain losses.

3. How often should a drivetrain be serviced?

There is no single service interval for the entire drivetrain, as each component has its own maintenance schedule. The recommended intervals also vary depending on the vehicle manufacturer, drivetrain type (FWD, RWD, AWD or 4WD), driving conditions, and whether the vehicle is used for towing or off-roading. Always refer to your vehicle owner’s manual for the exact service schedule.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Buying a car is a big decision. Buying an electric car from a brand that is new to India? Even bigger. With multiple electric vehicles expected to launch in India, VinFast is expanding its portfolio for buyers looking to make the switch to EVs. If you are considering one of the upcoming VinFast cars, this guide will walk you through the expected models, features, prices, and launch timelines.

List of Upcoming VinFast Cars in India

**While the specification, final prices, and launch timelines of VinFast’s upcoming cars will depend on the company’s official announcements, here are the models expected to arrive in India:

Expected VinFast EV Features

VinFast’s upcoming car models are expected to offer features that align with the growing expectations of Indian EV buyers. Depending on the model and variant, you can expect:

• Driving Range: Expected range varies by model, from around 200 km on the VF3 and 300 km on the VF e34 to over 500 km on the VF8 and VF9.
• Modern Safety Features: Multiple airbags (with some international variants offering up to 11), Level 2 ADAS, a driver-monitoring system, a 360-degree camera, and automated parking assist may be available depending on the variant.
• Connected Technology: A touchscreen infotainment system (up to 15.6 inches on the VF 9), dual digital displays, and Android Auto and Apple CarPlay support are expected across models.
• Fast Charging Capability: Expected on select models like the VF e34, which may support expected fast charging from 10-70% in under 30 minutes.
• Comfort-Focused Interiors: Automatic climate control with rear AC vents, cruise control, and panoramic sunroof on the VF 8, and premium touches like ventilated and heated seats, a massage function, and a wireless charger on the VF 9.

Should You Wait for VinFast Cars in India?

Whether you should wait depends on your budget and how soon you plan to buy an EV. The upcoming VinFast cars may be worth considering because of the following:

• Options across different price segments
• Feature-rich electric vehicles
• A potential expansion of sales and service network

The launch dates, prices, and final specifications have yet to be officially confirmed. So, if you need a car, exploring the options currently available may be a better choice.

Why You Should Consider Car Insurance for Upcoming VinFast EVs in India

Buying an electric vehicle is a significant investment and protecting it with a car insurance policy should be part of your ownership plan. The upcoming VinFast cars are expected to feature advanced technology, sophisticated electronics, and high-value battery systems, all of which can be expensive to repair or replace if the vehicle is damaged. A comprehensive car insurance plan may help provide financial protection by covering damages to your own vehicle as well as third-party liabilities, subject to the policy terms and conditions.

Conclusion

VinFast’s upcoming cars in India are expected to give buyers more electric vehicle options across different price segments. Before making your decision, compare the available models, features, and specifications to find the one that best suits your needs. Once you’ve chosen your EV, compare car insurance online to select a policy that offers the coverage and protection you’re looking for.

FAQs

1. Which new VinFast cars are expected to launch in India?

VinFast is expected to launch the VF3, VF e34, VF8, and VF9 in phases, subject to the company’s official announcements.

2. Which are the upcoming VinFast cars under 10 lakhs?

Based on current expectations, the VinFast VF3 is expected to be priced under ₹10 lakh. However, the final price and variants will be confirmed at the launch.

3. Will VinFast cars be suitable for long-distance travel?

Expected models such as the VF8 and VF9 are likely to offer longer driving ranges, making them better suited for highway and long-distance driving.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

You know that one friend who hardly ever seems to stop for fuel? There’s a good chance they’re driving a Toyota hybrid. Toyota hybrid cars in India may help reduce refuelling frequency without changing the way they drive. The reason is simple: they use self-charging hybrid technology. There’s no need to plug the car in or worry about finding a charging point. The petrol engine and electric motor work together automatically, switching between power sources when it makes the most sense.

List of Toyota Hybrid Cars in India

Toyota currently sells four strong hybrids in India, with each catering to a distinct set of needs:

Note: Toyota hybrid car prices in India may vary by city and variant.

Upcoming Toyota Hybrid Cars in India

Toyota’s hybrid cars in India are expected to grow in number. Here are some of the upcoming models.

Features of Toyota Hybrid Cars

Here is what powers the lineup of Toyota hybrids in India:

• Self-Charging Hybrid Tech: They do not need plugs for charging. The petrol engine and regenerative braking keep the battery topped up on their own.
• Electric-Only Driving: At low speeds and in traffic, the car runs on electric power alone, saving fuel exactly where you would burn the most.
• e-CVT Transmission: Seamless power delivery with no jerky gear shifts, even when the petrol engine kicks in.
• Regenerative Braking: Every time you apply the brakes, energy gets recycled back into the battery instead of being wasted as heat.
• Toyota Safety Sense: Higher variants bring driver-assist features like adaptive cruise control and lane-departure alerts.

Tips to Choose the Right Insurance for Toyota Hybrid Cars

The current and upcoming hybrid Toyota cars in India are not just fuel-saving machines; they have a battery pack, an electric motor, and extra tech that can be expensive to fix. These are some of the tips that can help you pick the appropriate car insurance policy for your hybrid car:

• A third-party car insurance plan only covers damage or injury you cause to others; it does not cover your own vehicle at all. You will need a comprehensive plan to get your own vehicle covered too.
• Even with comprehensive cover, a dedicated Battery Protect Cover add-on is needed to protect your hybrid car’s battery and electric motor. Check this with the insurer and policy before you buy it.
• Along with the Battery Protect Cover, add-ons like Zero Depreciation (no deduction for depreciation on replaced parts) and Engine Protect Plus (covers engine, differential, and gearbox parts against consequential damage), given how pricey hybrid components can be to replace.

Conclusion

Toyota has shown that choosing a hybrid no longer means compromising performance, comfort, or convenience. With models ranging from around ₹13 lakhs to over ₹1 crore (ex-showroom), there’s a Toyota hybrid to suit a wide range of budgets and driving needs. Once you’ve picked up the right model, don’t forget to protect it with the best car insurance policy that offers the coverage you need for complete peace of mind.

FAQs

1. Which Toyota hybrid car gives the highest mileage in India?

If mileage is your priority, the Urban Cruiser Hyryder can be the choice for you, as it delivers up to 27.97 km/l.

2. Are Toyota hybrid cars expensive to maintain?

Not particularly. Toyota hybrids generally do not need frequent battery replacements, though routine servicing can cost slightly more than a standard petrol car due to the added hybrid components.

3. How long does a Toyota hybrid battery last?

Toyo ta hybrid batteries are designed for long-term use and can typically last 8 to 15 years. Battery life depends on driving habits, maintenance, and other factors. For newer models, the hybrid battery is backed by a warranty of 10 years or 150,000 miles (whichever comes first).

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Electric and hybrid cars often feel different when you ease off the accelerator, as the vehicle begins to slow down even before the brakes are applied. That is regenerative braking at work, and it is one of the smarter pieces of tech in modern cars. If you are curious about how that works and why it matters, you are in the right place.

What Is Regenerative Braking in a Car?

Traditional braking system slows a vehicle by creating friction. When you press the brake pedal, the brake pads squeeze against the discs, slowing the car while turning movement into heat. That energy simply disappears.

A regenerative braking setup works differently. As your car slows down, the electric motor switches roles and starts acting like a generator. Instead of wasting the energy created during braking, it converts part of it into electricity and stores it back in the battery.

You still have normal friction brakes for sudden stops or emergencies. The difference is that your car now makes better use of energy that would otherwise go to waste.

How Does Regenerative Braking Work in a Car?

When you lift your foot off the accelerator or gently press the brake pedal, the electric motor changes how it operates. Instead of using electricity to move the wheels, it starts generating electricity from the wheels that are still spinning.

The movement of the wheels powers the motor, the motor produces electricity, and that electricity is sent back to the battery for later use. At the same time, the car begins to slow down.

Components Involved in Regenerative Braking

The regenerative braking system relies on a few key parts working together:

• Electric Motor/Generator: This is the heart of it. The same motor that drives your wheels can reverse its function to generate electricity when braking.
• Battery Pack: Stores the recovered electrical energy for future use by the motor.
• Controller/Power Electronics: Manages the flow of energy between the motor, battery, and wheels, deciding how much braking force is mechanical and how much is regenerative.
• Hydraulic Brake System: Works alongside regenerative braking, stepping in when more stopping force is needed than the motor alone can provide.

Types of Regenerative Braking Systems

Here are the three main types of regenerative braking systems:

• Electric (Motor-Based) Regeneration: This is the most common type, found in electric and hybrid cars. When you apply the brakes, the electric motor works as a generator, converting kinetic energy into electricity, and storing it back in the battery.
• Hydraulic Regeneration: This type is mostly used in heavy vehicles like trucks and buses. Braking energy is stored as hydraulic pressure, which is then reused to help the vehicle move again.
• Flywheel Regeneration: Here, braking energy spins a flywheel at high speed, storing energy mechanically for later use. This type is mostly found in racing cars and more advanced systems.

Why Car Insurance Matters for Car Owners

Whether you drive a petrol car, a hybrid, or an EV, having the right car insurance policy may help you stay financially protected when unexpected situations arise. By law, every vehicle owner in India must have third-party car insurance, which covers damage or injury caused to others. You can opt for the own-damage cover as well.

Buying car insurance online makes it easy to compare plans, check premiums, and choose a policy that suits your needs. Since coverage can vary from one policy to another, take the time to read the policy wording carefully so you understand the coverage, exclusions, terms, and conditions before making your decision.

Conclusion

Regenerative braking in cars is one of those things that sounds complex but is a simple and effective way to reduce energy waste every time you slow down. As cars get smarter and more tech-driven, understanding what is under the hood, literally and figuratively, helps you make better decisions as an owner. That includes knowing your coverage and keeping your car protected.

FAQs

1. Do brake lights turn on during regenerative braking?

Yes, in most vehicles, the brake lights activate when the regenerative braking is strong enough to decelerate the car noticeably.

2. Can regenerative braking completely stop the car?

Not on its own in most cases. Regenerative braking slows the vehicle effectively but is typically combined with traditional friction brakes for full stops.

3. Does regenerative braking work the same in all weather conditions?

The effectiveness can vary. In slippery conditions, the system may reduce regenerative braking to prevent wheel slip, working alongside traction control systems to keep the car stable.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

SUVs may dominate today’s market, but the Hyundai Verna is a reminder that sedans still have plenty to offer. It’s got upgraded screens, a turbo engine that actually feels turbocharged, and a boot big enough to fit a whole family’s luggage. This sedan is turning heads again for good reason. So here’s what you need to know about the Hyundai Verna’s specs and features, and why insuring it matters just as much as buying it.

Hyundai Verna Features

Together, the Hyundai Verna features turn a daily commute into something you may look forward to. Here’s why:

• Dual 10.25-Inch Screens: One is for the instrument cluster, and the other is for infotainment.
• Ventilated and Heated Front Seats: Built for India’s varied climate, these seats keep you cool in the heat and warm when temperatures drop.
• 8-Speaker Bose Sound System: Your playlist finally gets the stage it deserves.
• Electric Driver Seat with Memory: It remembers you, even if someone else changed the seat adjustment you made for yourself.
• Integrated Dashcam: For recording your drives, so you do not have to remember when and what happened.

Hyundai Verna Specifications

The Verna’s specs give a good sense of what this sedan actually offers:

Hyundai Verna Variants

The Verna comes in six variants, each with a different reason to upgrade:

Hyundai Verna Performance & Mileage

The Hyundai Verna comes with two 1.5-litre petrol engine options. The 1.5L MPi petrol engine is smooth, fuel-efficient, and ideal for daily city driving. The 1.5L Turbo GDi petrol engine, paired with a 7-speed DCT, delivers quicker acceleration and stronger performance.

Mileage depends on the engine, transmission, and your driving style. The MPi variants offer better fuel efficiency, while the turbo version focuses on performance. The more efficient variants deliver mileage of around 20 km/l under standard test conditions.

Why Insurance Is Essential for the Hyundai Verna

Here is the thing about a car this loaded: the more it has, the more there is to protect. A turbo engine, sensors, and screens do not come cheap, and a scratch on a car this feature-rich can cost more to fix than you would expect. That is where a solid car insurance policy comes in.

A comprehensive Hyundai car insurance plan may protect you against accidents, theft, and damages caused by covered incidents, so you do not have to worry about something you cannot control. And if you are buying car insurance online, sorting this out is much easier.

Conclusion

The Hyundai Verna redefines what a mid-size sedan should offer. Powerful engines, a tech-loaded cabin, and variants for every budget make it hard to ignore. Once you've chosen the right variant, don't forget to compare and buy car insurance online to protect your investment from day one.

FAQs

1. What are the colour options available for the Hyundai Verna?

The Hyundai Verna comes in 7 shades: Titanium Black, Atlas White, Titan Grey, Starry Night, Titan Grey Matte, Classy Blue, and Atlas White with a black roof.

2. What is the transmission type of the Hyundai Verna?

The Verna offers a 6-speed manual across variants, along with an Intelligent Variable Transmission (iVT) on the MPi petrol and a 7-speed DCT on the Turbo GDi petrol.

3. Is the Hyundai Verna a good family car?

Yes. The Hyundai Verna offers a spacious cabin, comfortable seating, a large boot, and several safety features, making it a good choice for families.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

You’ve probably seen the Tesla Model Y L pop up on your feed a few times now. A six-seater Tesla? In India? Yes, that’s actually happening. Tesla launched its long-wheelbase Model Y in India in April 2026, and it’s already turning heads in the premium electric SUV space. If you’re trying to figure out what all the fuss is about, you’re in the right place. Let’s get into it.

What Is the Tesla Model Y L?

The “L” in Tesla Model Y L stands for long wheelbase, and that one letter changes quite a lot. Tesla stretched the Model Y’s wheelbase by 150 mm, which freed up enough room for a six-seat, three-row cabin in a 2+2+2 configuration. 

Beyond the extra seats, it also gets a bigger battery, a dual-motor AWD setup, and comfort features like adaptive suspension and ventilated front seats. It launched in India in April 2026, with deliveries starting from June 2026, at ₹61.99 lakh (ex-showroom).

What Are the Key Specifications of the Tesla Model Y L?

Here’s a quick look at the core Tesla Model Y L specs:

The dual-motor setup produces a combined output of 514 hp, making it the quickest Model Y variant on sale in India.

Tesla Model Y L: Interior and Comfort Features

Step inside and you’ll notice this cabin is all about comfort. Features like the 16-inch touchscreen, an 8-inch rear infotainment display, dual wireless chargers, and multi-colour ambient lighting are all standard.

The Tesla Model Y L features that stand out in the cabin include:

• 18-speaker audio system with a subwoofer
• Heated and ventilated front and second-row seats
• Second-row captain seats with powered armrests and one-touch folding
• Third-row seats with powered recline and dedicated AC vents
• Fixed panoramic glass roof and acoustic glass for a quieter ride

Tesla Model Y L: Performance and Ride Quality

This is where the Tesla Model Y L genuinely impresses. The dual-motor setup delivers around 514 hp and a WLTP range of 681 km.

One of the biggest upgrades over the standard Model Y is the adaptive suspension with electronic continuously variable damping. The standard variants were often criticised for a stiff ride, and Tesla has clearly addressed that here, with the suspension specifically tuned for rear-seat comfort.

The wheelbase is 150 mm longer, but ground clearance has only increased by 2 mm to 169 mm, so be mindful over very high-speed breakers.

Tips to Choose the Right Car Insurance Plan for the 2026 Tesla Model Y L

A car at this price point needs solid car insurance to go with it. Electric vehicles like the Model Y L come with specialised components that can be costly to fix, so it’s worth checking whether your policy covers EV-specific parts like the battery pack and electric motors.

Also take a close look at the IDV, as it directly impacts your premium and any future claim settlement. Add-ons such as zero depreciation cover, roadside assistance, and battery protection can strengthen your coverage, though inclusions and terms vary by insurer and policy.

Conclusion

The Model Y L is one of the more compelling car models to arrive in India’s premium EV space in recent times. And if you do decide to bring one home, make sure your car insurance policy is just as carefully chosen. Read the policy document carefully to understand what’s covered, especially for EV-specific components.

FAQs

1. Does the Model Y L support fast charging in India?

Yes. It supports up to 250 kW DC fast charging, which can add around 288 km of range in just 15 minutes at a compatible Tesla Supercharger. 

2. Is this a new car or just a longer Model Y?

It’s a distinct variant, not just a stretched body. It gets a bigger battery, dual-motor AWD, six seats, and comfort upgrades the standard Model Y doesn’t offer.

3. Is the Model Y L good for Indian roads?

It handles highways and city roads well thanks to its adaptive suspension. Just be mindful on very uneven stretches, as the ground clearance is 169 mm and the wheelbase is longer than usual.

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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. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

You bought a car, insured it, and assumed you were covered. But when a total loss or theft claim actually happens, the payout can feel surprisingly low. That gap usually comes down to two things: IDV and RTI. This blog explains IDV vs RTI, their differences, which one offers better value, and common mistakes to avoid

Comparing IDV and RTI: Key Differences

To have a better understanding of return to invoice cover vs IDV, the table below explains their key differences:

When you have a new vehicle, RTI provides much better value. It bridges the gap between the actual purchase price and the depreciated IDV. To understand this well, here is an example:

You bought a car for ₹10 lakh. A few years later, its IDV might be ₹7-₹8 lakh. If your car is stolen or written off, that is all you get under a standard policy. With a return to invoice in car insurance, you recover an amount much closer to what you originally paid.

However, for the older vehicles, RTI is not available. In many cases, IDV is the only factor that determines your claim amount. In simple words, IDV stands out as the base protection for every car, and RTI is ideal for new cars.

Mistakes You Make with IDV and RTI

When it comes to insured declared value vs return to invoice in car insurance, these avoidable mistakes can cost you significantly at claim time:

• Choosing a lower IDV to save on premiums. It reduces your payout when you need it most
• Not renewing the RTI add-on alongside the main policy
• Assuming RTI is part of every policy. It is not
• Thinking RTI covers partial damage. It only applies to total loss or theft
• Missing the eligibility window. RTI is typically only available for newer vehicles
• Not reading exclusions related to total loss in your policy
• Overlooking how depreciation affects what you will actually receive

Conclusion

If your car is new, add RTI. The extra premium is small compared to the gap it covers at claim time. RTI vs IDV in car insurance is not really a debate for new car owners. RTI is the smarter call.

If your car is older and RTI is no longer available, focus on setting the right IDV. Do not undervalue it just to cut costs on the premium.

Either way, knowing the difference puts you in a much better position when evaluating four-wheeler insurance.

FAQs

1. What happens if I add accessories after buying the car? Does RTI cover them?

RTI usually covers only factory-fitted parts. Aftermarket accessories added later may not be included.

2. Can I buy RTI for a used car?

In most cases, no. RTI is generally available only for new vehicles and not for second-hand purchases.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Mileage is the one thing that follows you long after the test drive is done. Every fuel stop, every end-of-month calculation, it is all tied to one decision you made at the showroom. The Tata Altroz mileage gives you three ways to get that decision right: petrol, diesel, and CNG. The question is which one actually suits the way you drive.

Tata Altroz Mileage as Per Fuel Type

The Tata Altroz mileage depends largely on the fuel type and how you drive:

If fuel costs keep you up at night, the Tata Altroz mileage CNG at 26.20 km/kg is your answer. The Tata Altroz mileage diesel at 23.64 kmpl is a different game. Long highway stretches are where it earns its keep, and over time, the savings are real. Most buyers though end up with the Tata Altroz mileage petrol at 19.33 kmpl, and for good reason. It handles city and highway without asking you to plan around fuel stops.

What are the Specifications of Tata Altroz?

The Altroz is built on Tata's ALFA Architecture, and you feel it from the first drive. Here are its key specifications:

What are the Features of Tata Altroz?

Technology

The Altroz does not make you hunt for features. The basics are covered well, and a few of them are genuinely useful day to day:

• 25-inch HARMAN touchscreen
• Wireless Android Auto and Apple CarPlay
• 360-degree HD Surround View Camera (select variants)

Comfort

Long drives or short commutes, the cabin holds up either way:

• Voice-assisted electric sunroof
• Ventilated front seats (top trims)
• Air purifier

Interiors

Small details that add up once you are actually living with the car:

• 90-degree opening doors for easy entry and exit
• Smart digital instrument cluster
• Ambient mood lighting

Safety

This is where the Altroz has always been serious, and the numbers back it up:

• Five-star Bharat NCAP rating
• Six airbags standard on higher variants
• ABS with EBD
• ISOFIX child seat mounts

Why Do You Need Car Insurance for Tata Altroz?

A five-star rating is reassuring, but it only covers what happens during a crash. The bill that comes after is a different conversation entirely.

The top variants of the Altroz carry cameras, sensors, and other features that are expensive to sort out even after a minor scrape. That is where a comprehensive car insurance plan earns its name. It takes care of repair costs, covers theft, and handles the third-party liability.

Add-ons worth considering can include zero depreciation on your car insurance policy. Electronic and plastic components lose value fast, and without zero-dep, you end up paying a chunk of that repair bill from your own pocket.

Conclusion

The Altroz keeps things simple. Petrol works well for daily drives, diesel makes sense for long distances, while CNG keeps running costs low.

The Altroz mileage holds up well across all three, so you can choose based on how you actually use the car.

Add to that a strong safety record and a well-equipped cabin, and the car comes together as a balanced, easy-to-live-with choice in its segment.

FAQs

1. Is the Tata Altroz CNG worth it for occasional highway trips?

Yes, it works fine for occasional highway use. Just keep fuel station availability in mind. For frequent long drives, the diesel may be a better fit.

2. Does the Tata Altroz automatic affect mileage?

The automatic gives slightly lower mileage than the manual, but the difference is small. In city traffic, it may drop a bit more, but the added convenience often makes up for it.

3. How does the Tata Altroz mileage hold up over time?

It stays fairly consistent if the car is maintained well. Regular servicing, proper tyre pressure, and the right engine oil make a noticeable difference.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Choosing a compact sedan sounds simple until you open the variant list. Suddenly, there is a lot to weigh up. The Hyundai Aura S sits comfortably in the middle of the range. Not the bare-bones base model, but not loaded with many features. For a city family looking for a reliable daily sedan, this variant has plenty worth considering.

Hyundai Aura S Key Specifications

The Hyundai Aura S specifications are built around simplicity. A 1.2-litre Kappa petrol engine, a five-speed manual gearbox, and front-wheel drive. If most of your driving happens in a city with the occasional highway stretch, the Hyundai Aura S specs cover the essentials without overcomplicating things.

Here is what is under the hood:

• Engine: 1.2-litre Kappa petrol
• Displacement: 1197 cc
• Maximum power: 82 bhp at 6000 rpm
• Maximum torque: 113.8 Nm at 4000 rpm
• Cylinders: 4
• Valves per cylinder: 4
• Transmission: 5-speed manual
• Drive type: Front-wheel drive

Engine and Performance Details

The Hyundai Aura S model is built for relaxed, everyday driving. Think office commutes, market trips, and the occasional weekend outing. It is not chasing performance numbers. It is built for comfort and consistency.

The manual gearbox works well if you are comfortable with gear shifts on regular routes. But if your daily commute involves heavy stop-and-go traffic, the Aura S AMT specifications are worth a closer look. The AMT takes the effort out of city driving without changing the engine character. So before you decide, think about your route first, and then pick the gearbox that suits it.

Hyundai Aura S Model Features

The Hyundai Aura S model features are useful by design. Rear AC vents, keyless entry, electric power steering, manual AC with heater, and front and rear power windows all come as standard in this trim.

On the entertainment side, you get a radio, integrated 2DIN audio, Bluetooth connectivity, USB ports, and four speakers. It is enough to keep the cabin feeling connected without going overboard.

What it skips: A touchscreen, wireless charging, Android Auto, and Apple CarPlay. The Aura S specifications in this trim keep things useful and uncomplicated, which is exactly what most buyers in this segment actually need.

Safety Features

Safety is where the Hyundai Aura S holds its ground reasonably well. The variant comes with ABS, EBD, central locking, anti-theft alarm, engine immobiliser, seat belt warning, speed alert, tyre pressure monitoring, and impact-sensing auto door unlock. Hyundai offers six airbags as standard across all Aura variants.

That said, it is worth knowing what is missing. A rear camera and ISOFIX child seat mounts are not part of this trim. If those features matter to you, it is worth comparing the higher variants before you finalise.

Why Car Insurance Matters for the Hyundai Aura S

Once the Hyundai Aura S model is in your driveway, insurance is the next thing to sort. A minor bump in a parking lot, a repair bill after waterlogging, or a theft can come up when you least expect it.

Buying car insurance online makes it easy to compare plans, check add-ons, and choose what actually fits your needs.

For Hyundai car insurance, a comprehensive plan is worth considering. It covers third-party liabilities as well as damage to your own car, so you are not left managing unexpected costs on your own.

Conclusion

Do not stop at the spec sheet. Take the Aura S for a test drive. Check rear-seat comfort for your family, see how the boot space holds up, and compare the manual and AMT options based on your actual daily route.

Also, confirm the on-road price in your city. Taxes, registration, and dealer charges. The right variant is the one that fits your routine, not just your budget.

FAQ

1. How do the Aura S AMT specifications differ from the manual version?

The engine stays the same. The AMT simply replaces the manual gear shifts with automatic ones, making city driving noticeably easier in heavy traffic.

2. What hidden costs should you account for before buying?

On-road price includes registration, road tax, insurance, and dealer handling charges. These can vary significantly by city, so always ask for a full breakdown before buying.

3. Is the Hyundai Aura S a good fit for families?

It works well for daily family use, particularly in city conditions. The rear AC vents, keyless entry, and six standard airbags make it a practical and reasonably safe choice for regular use.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.