Owning a car brings comfort and convenience, but it also comes with responsibility. One of the most crucial responsibilities is having the correct motor insurance. In India, you need to have at least a third-party car insurance policy by law. However, many individuals choose to buy a comprehensive insurance policy because it provides wider protection.

This article will cover what comprehensive car insurance means, how it’s different from third-party insurance and what it covers.

What is comprehensive insurance?

As the name suggests, comprehensive car insurance provides more than just basic coverage. It not only covers damage caused to another person’s vehicle or property in an accident but also covers damage to your own car.

This means if you are involved in an accident, your insurer will help pay for the repairs or losses faced by both you and the other party. It also protects you from damage caused by events beyond your control, like fire, theft, natural disasters or vandalism.

What is covered in comprehensive insurance?

A comprehensive motor insurance policy will offer protection in many situations. Below are the main things it usually covers:

It offers the highest level of security for your car

Unlike the third-party car insurance, a comprehensive plan offers a superior coverage by compensating you in case your vehicle suffers any damage during an accident. You can either claim a reimbursement from the insurance company later or take your car to a network garage for cashless repair of the vehicle.

Compensation in case of death or disability

Comprehensive insurance covers death and bodily injuries to the owner-cum-driver of the insured vehicle. In case you suffer from death or any partial or permanent disability post the accident of your car, the insurance company will pay the full compensation amount to the nominee as mentioned in the policy. You can also get the co-passengers covered under this policy by opting for an add-on along with personal accident cover.

Covers legal and financial hurdles

Apart from covering the damages to your own vehicle, a comprehensive vehicle insurance policy also covers the legal liabilities that may arise in case of an accident. It provides the mandatory third-party insurance cover required to drive a vehicle in India and also covers the legal and financial obligations for the tribunal hearings of accident-related cases.

Protects your car against fire accidents

A comprehensive insurance policy also covers your vehicle against the damages caused by all types of fire-related accidents. Although it does not include mechanical defects, it does cover the fire caused by engine overheating. You’re provided full compensation for your car up to the Insured Declared Value (IDV) of your vehicle in case of such an unfortunate incident.

Secures your car against theft

If your car or any of its components gets stolen, then a comprehensive motor insurance plan will cover the entire loss incurred due to the theft. The car insurance company will provide you with full compensation for your loss during such a scenario, and in case your car gets stolen, you will be compensated with the entire IDV of your car.

Protection against vandalism

In case your vehicle is vandalised in an unfortunate event of civil disturbances or riots, then the comprehensive vehicle insurance policy will work as a saviour by providing full reimbursement for the repair of your damaged car. In case your car is damaged beyond repair, the insurer will provide you with the full market value of the car.

Full protection from flying objects

Imagine a situation where a projectile like a ball, tree, brick or stone falls on your car and shatters the windscreen. Even in such an unpredictable situation, complete cover in the form of comprehensive vehicle insurance will offer full coverage for your losses. It will include compensating for the entire damage to your vehicle, including the window panes and windscreens.

Complete protection against natural calamities

A comprehensive insurance cover also acts as a cushion against natural calamities that can render your precious car irreparable. For example, acts of nature like earthquakes, cyclones, floods and hailstorms can destroy your car beyond repair. In such a scenario, you will be provided with a big relief by your car insurer in the form of compensation against the damages inflicted on your car by the natural calamity.

Third-party liability coverage

Often, car mishaps result in third-party damage. A comprehensive car insurance policy also covers the government-mandated third-party car insurance component. The third party refers to the person who has suffered damages by your car.

What are the benefits of buying a comprehensive motor insurance policy?

Choosing a comprehensive policy costs more than a third-party one, but the advantages are worth it. Here’s why:

1. More complete coverage

With comprehensive insurance, you are not only protected from the legal claims made by others (the third-party liability), but also from damage to your own car. Whether the damage is due to a natural catastrophe, fire, theft or accident, the insurance will cover the costs. This is not possible in a third-party policy.

2. Peace of mind

Unexpected events can take place anytime and can cause extreme damage and cost a lot to fix. With the comprehensive insurance, you won’t need to worry about paying the entire thing from your own pocket. The policy helps cover all these losses and gives you a sense of security each time you drive.

3. Protection from many different risks

India gets to witness a wide range of situations that can easily damage a car, such as animals, riots, road accidents, theft, heavy rains and even potholes. A comprehensive policy protects you from man-made and natural dangers, making sure you are covered in almost every possible situation.

4. You can customise the policy with add-ons

One great advantage of comprehensive insurance is that it lets you add extra coverages depending on your needs. Some of the well-known add-ons include:

• Return to invoice: In case of a theft or total loss, this add-on will pay you the original invoice value of your car.
• Zero depreciation cover: This guarantees you get the full claim amount without reduction for part depreciation.
• Engine protection cover: Useful during floods when the engine might get water-damaged.
• Roadside aid: Helps if your automobile breaks down and you need help directly on the spot.

5. Better support and quicker claim process

Comprehensive policies are often known for their smoother and faster claim process. Many insurers provide extra customer support such as direct repair services at the garages, towing services and help with documents. This means less hassle and faster resolution if something goes wrong.

6. Improved resale value of your car

When you decide to sell your car, having a history of regular comprehensive insurance can work in your favour. Buyers often prefer a car that's been well-protected, as it gives them confidence that the vehicle is in good condition. This can help you get a better price when selling your car.

What is not covered by comprehensive insurance?

Even though comprehensive insurance gives wide coverage, it doesn’t cover everything. Here are some of the common exclusions:

1. Unlawful driving practices

Underage driving, the vehicle used for criminal activities, driving without a valid license, and wrong-side driving are not covered under the comprehensive motor insurance policy. Any claims arising out of such incidents will also be rejected.

2.vWillful damage or destruction

Any damage to the policyholder or to the car incurred deliberately is one of the primary exclusions in a comprehensive vehicle insurance policy. Remember, car insurance fraud is a crime and can land you in a ton of legal trouble.

3. Commercial use of private vehicles

Personal and commercial vehicles are covered under different auto insurance types. Insurance claims will be rejected if a personal vehicle is used for commercial purposes.

4. Driving under the influence

Any claims for damages arising out of accidents caused due to the policyholder being intoxicated or under the influence of narcotics are not covered by insurance companies. Beware, driving under the influence is a crime, punishable by law. DO NOT DRINK & DRIVE!

5. Lapse of a comprehensive car insurance policy

Comprehensive car insurance is an annual contract and needs to be renewed at the end of each policy year, or else the policy gets lapsed. Any damage sustained during the lapsed duration is not covered under the insurance plan. Hence, it’s best to always go for car insurance renewal on time.

6. War & Invasion

Damages incurred due to a state of war, civil war, nuclear attack, terrorist attack, riots and rebellions are not covered under an auto insurance policy.

What is the difference between comprehensive and third-party policies?

Both comprehensive and third-party insurance policies serve different purposes, and it’s important to understand how they compare. Choosing the right one depends on your needs, budget and the level of protection you want for your car. Let’s look at how comprehensive insurance is different from third-party insurance:

Conclusion

In India, while third party car insurance is legally required, it only provides basic protection. A comprehensive car insurance policy offers wider safety, protecting you from unexpected costs caused by natural calamities, theft or accidents. It might cost a little more, but the advantages and peace of mind it offers are worth it. You can also customise your plan with add-ons to suit your needs.

Still unsure which car insurance plan is right for you? Let us help you pick the best option. Simply fill out the form on this page to get personal advice on the right car insurance for your needs.

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

Night drives are fun. At night, there will be lesser traffic on the roads, and the cooler (and denser) air allows your engine to burn fuel better, subsequently leading to better performance and higher fuel efficiency.

However, night drives can be as dangerous as they are fun. All the dangers of driving during the day are amplified at night. Visibility is low, there are higher chances of drunk drivers and you are more likely to be drowsy. Moreover, if an accident takes place, the chances of finding help are also reduced.

There are several steps you can take to make your night driving experience safer and more enjoyable.

Drive safely in low-light conditions with these tips

Here are the top 5 safety tips for night driving.

1. Wipe the Windshield with Newspaper

Instead of using your hands to clean your windshield, it is smarter to clean it with a newspaper. This is because when you clean your windshield with your bare hands, it causes the oil from your hands to stick to the glass. This causes smudges that could block your vision at night.

2. Make Use of the Fog Lamps

Fog lamps have a wider reach than regular headlamps and can help you see farther as well. This makes them great for driving at night, and not just in foggy weather. However, you need to be careful as well, since fog lamps tend to project big shadows of small potholes, bumps and rocks.

3. Be Careful of the Animals

The light beams from headlights lend to reflect off the eyes of animals that might be on the road. This is a good way to spot them at night on country roads that don’t have street lamps. Slow down in case an animal crosses your path, instead of trying to get past it, as that scares them more and increases the chances of an accident.

4. Adjust and Clean Your Mirrors

Cleaning and adjusting your rear-view and side mirrors is a basic step whenever you go out to drive, be it day or night. However, it is especially important at night to ensure that there are no smudges on them.

5. Wear the Right Glasses

These days, there are a lot of companies that sell glasses specifically for night driving. It is better to stop and evaluate these carefully before buying. More often than not, a pair of regular/ plain glasses with anti-glare lenses is the best choice.

Car maintenance tips for night safety

Proper car maintenance plays a crucial role in enhancing visibility and vehicle performance at night. Here are some must-follow tips:

Check and clean your headlights

Cloudy or dim headlights reduce your ability to see and be seen. Clean the lights and upgrade to brighter halogen or LED lights if necessary.

Inspect taillights and indicators

Ensure that all lights are functioning well. Faulty taillights or indicators not only compromise your safety but could also lead to fines.

Test your brakes and tires

At night, stopping distance can be critical. Ensure your brake pads are in good condition and your tires have adequate tread and are properly inflated.

Check battery health

A weak battery is more likely to fail in colder night conditions. Have it tested regularly and replace it if it’s nearing the end of its life.

Keeping your vehicle in top condition is not only good practice but could also influence the cost and validity of your car insurance policy in the event of a claim.

Tech tools to assist with night driving

Modern vehicles come with a range of technologies designed to make night driving safer. Here are a few you should consider:

• Automatic high beam assist: This system switches between high and low beams depending on oncoming traffic, allowing you to focus on the road without dazzling others.
• Night vision assist systems: Available in some premium cars, these systems detect pedestrians, animals, or obstacles in low visibility and highlight them on your dashboard.
• Lane departure warning systems: Fatigue can lead to drifting between lanes. These systems alert you if you unintentionally swerve, helping prevent accidents.
• Blind spot detection: Night time makes it harder to see other vehicles in your blind spots. These sensors send a warning before changing lanes for a safer driving experience.
• Navigation with real-time traffic updates: A GPS with live traffic alerts can guide you through better-lit, less congested routes, reducing stress and driving time.

Conclusion

Night driving does not have to be stressful; with the right preparation and tools, it can be as safe as driving during the day. Prioritise routine maintenance, use available technology and drive cautiously. Don’t forget to stay protected with a valid car insurance policy that suits your driving needs. If you are relying on third-party car insurance, understand its limitations and consider upgrading to a more comprehensive plan for complete protection.

FAQ

1. Is night driving more dangerous than daytime driving?

Yes. Problems such as lower visibility, tiredness and the chances of meeting impaired drivers on the road make it comparatively difficult to drive during the daytime. However, with the correct safety measures and experience, most drivers can sail through night journeys.

2. Will my third-party car insurance cover damage caused at night?

Third-party car insurance only covers damage to other people or their property. It won’t cover damage to your own car, regardless of whether the accident occurred during the day or night.

3. How can I reduce glare while driving at night?

Use the night setting on your rearview mirror, avoid staring into oncoming headlights and keep all windows and mirrors clean.

4. Does a comprehensive car insurance policy offer better protection at night?

Yes. A comprehensive policy covers both third-party liabilities and damages to your own vehicle, offering peace of mind during night driving.

5. How often should I check my car lights?

Ideally, inspect all lights (headlights, brake lights, indicators) weekly and before any long night journey.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

IoT will give rise to connected cars that can communicate with the occupants as well as the infrastructure around it

The noisiest buzzword in technology right now is IoT or Internet of Things. This three-letter word is the future, and simply means wirelessly connecting anything with an on/off button to the internet, including cars.

This connection to the internet will be crucial, as it’ll enable all ‘Things’ to capture data and communicate with each other, thus making them smart. In no other industry is IoT more apparent than in the automotive sector. The term “connected car” is frequently used and is altogether revolutionising the automotive landscape.

What is a connected car?

It is a car that interconnects to other devices within itself or to other devices outside the car. The connections present outside the car include homes, infrastructure, offices, and even other cars. There are two types of connected cars in the market today: embedded and tethered. Embedded cars have their own antenna and chipset, whereas tethered cars connect to the internet by using an external device: primarily, the user’s smartphone.

The connected car, though still in its nascent stage, is extremely complicated and offers huge developmental potential for the many elements present inside, and even more outside of it. The on-board equipment that is likely to undergo the most radical changes is the heads-up display, infotainment system, graphics accelerators and application processors. However, in the long term, the connected car will just be part of a fully connected transportation system.

What is V2V and V2I communication?

V2V or vehicle-to-vehicle communication is the wireless transmission of data between motor vehicles. This technology is seen as the successor to the current crop of active and passive safety systems found in today’s cars. The data relayed to other cars would contain essential information on speed, direction, and position.

Thus, by computing this information, the vehicle becomes more aware of its surroundings and can take pre-emptive safety measures such as reducing speed or braking. This will also help cars to become smarter as they share information with each other for the benefit of the user.

V2I or vehicle-to-infrastructure communication is the technology that allows cars to communicate with external systems like buildings, streetlights, cyclists, and pedestrians. This is a huge market that is yet to be explored and offers enormous opportunities as well as the promise of dramatically changing our daily lives.

Here is an example to help you understand. Assume a connected car is approaching a tollbooth. It connects remotely with the booth system and processes the payment for the toll automatically. As a driver, you will not be disturbed and will just have to drive through without doing anything. This sort of hassle-free and convenient transaction can be made possible with an infrastructure supporting V2I communication.

What is the next step?

Once sufficient progress is made in V2V and V2I communication infrastructure, connected cars will reach their ultimate evolution, as autonomous cars. Studies say that the first autonomous cars should be on roads after 2025. Automakers are already testing autonomous technology on the streets. Google Self-Driving Car is a prime example. That car, equipped with sensors and self-learning software, is racking up test miles on Californian streets for many years now.

Self-driving cars are already making use of vehicle-to-vehicle communication as they interact with their surroundings and learn from every new situation encountered on the road. Once the art of autonomous driving is perfected, driverless cars without steering wheels will become the norm. Safety is one of the major reasons behind the push for self-driving cars, as 90% of all road accidents are attributed to driver error.

As of now, our roads are not safe and since there is time for autonomous cars to hit the road, the easiest way to protect yourself is through car insurance. Car insurance premiums are not high and there are various insurance policies on offer. With the use of an online insurance calculator, you’ll come to know exactly how much spending is needed to get that insurance cover.

The benefits of automotive IoT

Here are some clear advantages of integrating IoT into vehicles:

• Enhanced safety: With real-time alerts, automatic emergency braking and collision avoidance, accidents can be minimised. This helps in decreasing insurance claims and maintaining a good driving record.
• Predictive maintenance: Sensors can detect issues before they become major problems, saving money and preventing breakdowns.
• Fuel efficiency: IoT systems can analyse driving behaviour and optimise routes to save fuel.
• Better insurance models: IoT enables usage-based insurance (UBI), where premiums are based on actual driving behaviour, making the car insurance policy fairer and more customised.
• Convenience and automation: From smart parking to voice-controlled entertainment systems, IoT enhances user experience and reduces manual tasks.

Conclusion

IoTs have brought a drastic change to how and what we drive. Technologies like V2V and V2I communication mean that cars are no longer isolated machines but interactive, learning entities that adapt to both the driver and the environment.

As the industry moves toward these innovations, your choice of car insurance policy must evolve too. While third party car insurance is mandatory and offers basic protection, it does not cover the smart systems within your car. A more comprehensive policy that covers the features provided by IoT is what will help you truly enjoy the future of driving.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

Like in all insurance plans, a deductible is the amount of money that the insured pays in case of a claim before his insurance plan starts to pay. Take a basic example – if your deductible is ₹2500 and you incur expenses of ₹3000, then your insurance company will pay ₹500 as the claim amount. However, if your total expense is ₹2500, then there will be no payout from the insurer.

What is a compulsory deductible in car insurance?

It is a fixed amount set by insurance companies, in accordance with the Insurance Regulatory Development Authority of India (IRDAI) guidelines. It is determined on the basis of the engine capacity of your car. According to India Motor Tariff, the revised standard rate for compulsory deductible in case of private cars is given as follows:

• Cars up to 1,500 cc – ₹1000
• Cars above 1,500 cc – ₹2000

An insurer can charge a higher deductible if the car is older and thus presents a higher risk of claim. Compulsory deductible does not affect the premium in any way. The premium is based on other aspects such as Insured Declared Value (IDV), make and model.

Benefits of compulsory deductible in car insurance

Here are the benefits:

• Standardisation: Ensures uniformity across all policies, making it easier for policyholders to understand their obligations.
• Discourages minor claims: By having to bear a portion of the claim, policyholders are less likely to file claims for minor damages, promoting responsible usage.
• No impact on premium: Since it's a fixed amount set by IRDAI, it does not influence the premium calculations.

What is a voluntary deductible in car insurance?

This is an optional limit chosen by you to meet a part of the claim from your own pocket before raising it to the insurer. You can choose this limit considering your affordability and the risks your vehicle will likely encounter.

A voluntary deductible has an inversely proportional relationship to your premium amount. Consider it this way – the higher the voluntary deductible, the lower the premium.

Benefits of voluntary deductible in car insurance

Here are some benefits of voluntary deductible in car insurance:

• Reduced premium: Opting for a higher voluntary deductible can lead to significant discounts on the premium.
• Customised risk-sharing: Allows policyholders to choose their level of risk-sharing based on their driving habits and financial comfort.
• Encourages cautious driving: Knowing that they bear a higher portion of potential claims, policyholders may drive more cautiously.

What is a deductible in car insurance policy?

In essence, a deductible is the portion of a claim that the policyholder agrees to pay out of pocket. A deductible protects the insurance company against unnecessary claims. This also ensures that people are more careful with their vehicles as they themselves have to bear a certain extent of the expenses.

What is the need for a deductible?

These are the reasons why a deductible is needed in car insurance:

• Risk-sharing: Deductibles ensure that policyholders share in the risk, promoting responsible behaviour.
• Reduces minor claims: By bearing a portion of the cost, policyholders are less likely to file claims for minor damages, reducing administrative costs for insurers.
• Premium adjustments: Especially with voluntary deductibles, policyholders can adjust their premiums based on the deductible amount they choose.
  
  

Conclusion

Being aware of all the aspects of your car insurance policy and how it will affect you helps in combating this confusion about what features to opt for. If you are an efficient and attentive driver, you will profit from this option, as it will considerably reduce large chunks of your premium amount.

However, before purchasing this type of coverage, you should be confident that you will drive cautiously and not file claims for small damages frequently. You should also be careful that the chosen threshold will not put you in a financial fix in case of a claim before buying car insurance online.

FAQs

1. Can I choose not to have a voluntary deductible?

Yes, opting for a voluntary deductible is entirely optional. If you prefer not to bear additional out-of-pocket expenses during claims, you can choose not to have one.

2. Does a higher voluntary deductible always mean a lower premium?

Generally, yes. A higher voluntary deductible often results in a lower premium. However, it is essential to balance the potential savings with the increased out-of-pocket expenses during a claim.

3. How does the deductible affect my No Claim Bonus (NCB)?

Filing a claim, regardless of the deductible, can impact your NCB. If the claim amount is less than or marginally above the deductible, it might be prudent not to file a claim to preserve NCB in car insurance.

4. Is the deductible applicable for every claim?

Yes, both compulsory and voluntary deductibles apply to each claim made under the policy

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Every time you hit the road, your car leaves more than just tyre tracks—it leaves a carbon footprint. With transportation accounting for nearly 24% of global CO₂ emissions, even short drives can add up fast. But the good news? You don’t need to give up driving to make a difference. A few simple shifts in how you fuel, drive and care for your vehicle can reduce your impact on the planet, without slowing you down.

Why reducing your car’s carbon footprint is important

Did you know that cars and other vehicles are responsible for almost a quarter of the world’s carbon emissions? As more people buy and use cars, especially in cities, that number keeps growing. But, with a few small changes, this condition can be reversed or at least stopped from getting any worse.

By cutting down your car’s carbon footprint, you contribute to slowing down climate change. As a bonus, you get to save money by making a shift to cleaner driving habits.

Understanding your car’s carbon footprint

Your car's carbon footprint is the total amount of greenhouse gases emitted over its lifecycle, right from manufacturing to disposal, including the fuel it burns during use. Factors influencing it include:

• The size of the engine and the fuel you use
• Your driving habits
• Frequency of maintenance and repairs
• Mileage
• Condition of tyres
• Use and frequency of car AC

Understanding these elements helps you take informed steps to reduce emissions. Keeping your car well-maintained and protected through comprehensive car insurance ensures it performs optimally and sustainably.

Fuel-efficient driving techniques

Your driving technique also improves your fuel economy. For example, avoiding unnecessary speeding/ acceleration and following the speed limit, improves engine performance and fuel efficiency. Moreover, jerky driving and speeding on highways is also dangerous. Another step we can take is to complete all errands in a single trip and avoid going out repeatedly.

Regular servicing and maintenance are very important for proper fuel efficiency. Cleaning the air filters will help you burn less fuel and pollute less. It will also prevent possible future car trouble. Additionally, checking and maintaining proper air pressure is another step to take. Doing so regularly improves fuel efficiency by 3%.

Technology upgrades to reduce emissions

Advancements in automotive technology offer a range of upgrades to make cars cleaner:

• Install low-rolling-resistance tyres
• Switch to synthetic or eco-friendly engine oils
• Use efficient spark plugs and high-performance filters
• Upgrade to a cleaner-burning fuel (CNG or biofuels, where possible)
• Install fuel-saving devices after consulting a professional mechanic

When upgrading your vehicle, updating your car insurance policy, especially a comprehensive car insurance plan, ensures your green investments are financially protected.

The role of electric vehicles in reducing carbon footprint

Electric vehicles (EVs) produce zero tailpipe emissions and are among the most effective ways to reduce your driving-related carbon footprint. Key benefits include:

• Lower fuel costs
• Reduced maintenance needs
• Government incentives for purchase
• Preferential insurance schemes with comprehensive car insurance policies

As charging infrastructure expands, owning an EV is becoming more practical and cost-effective than ever.

How policy and regulations promote lower emissions

Governments around the world are introducing stringent policies to curb vehicular pollution:

• BS6 emission standards in India
• Fuel efficiency norms and green tax policies
• Incentives for hybrid and electric vehicles
• Mandatory pollution control checks (PUC)
• Eco-friendly incentives in car insurance premiums

By staying updated and complying with these norms, you comply with the norms and also avoid penalties and may receive lower car insurance premiums.

Conclusion

Reducing your car’s carbon footprint does not require a complete lifestyle overhaul. From small habit changes to tech upgrades and considering electric alternatives, each step contributes to a cleaner planet.

FAQs

1. Can comprehensive car insurance help in sustainability?

Comprehensive car insurance covers damages from natural calamities and man-made events, which are increasing due to climate change. It also supports eco-friendly repairs, replacement of parts and sometimes even incentives for EV owners.

2. What type of car is best for reducing emissions?

Electric vehicles and hybrid cars have the lowest emissions. Compact vehicles with high fuel efficiency also rank well.

3. Do eco-driving habits make a difference?

Studies show that fuel-efficient driving can reduce emissions and fuel consumption by 15-30%.

4. Does EV insurance cost more than regular vehicle insurance?

Initially, it may be slightly higher due to costlier parts, but many insurers offer discounts and the long-term benefits (including tax savings) often outweigh the costs.

5. How often should I service my car to ensure low emissions?

Regular servicing, at least once every six months or as recommended by your manufacturer, keeps your engine, filters and emission systems in top shape. Timely oil changes, spark plug replacements and emission checks help reduce your car’s carbon output significantly.

6. Does car insurance cover modifications made for better fuel efficiency?

Some comprehensive car insurance policies may cover approved modifications like fuel-efficient tyres or emission-reduction devices, especially if they are factory-fitted or declared at the time of policy purchase.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Antifreeze, also known as engine coolant, is a vital fluid that ensures your vehicle runs efficiently in both hot and cold conditions. Whether you're navigating city traffic or heading on a long road trip, the role of this substance in regulating your engine temperature, preventing corrosion and improving performance cannot be overstated.

In this guide, we explore the types of antifreeze available, how to use them properly and common mistakes to avoid, so that the safety of your car and the value of your comprehensive car insurance is secured. 

Types of antifreeze available

Not all antifreeze is the same. The type you choose must be compatible with your vehicle's engine and materials. Here are the most commonly used ones:

1. Inorganic Additive Technology (IAT)

• Typically green in colour
• Used in older vehicles
• Reuires freuent changes (every 2–3 years)

2. Organic Acid Technology (OAT)

• Often orange or red
• Longer life (up to 5 years)
• Designed for newer engines

3. Hybrid Organic Acid Technology (HOAT)

• Yellow or turuoise
• Combines properties of IAT and OAT
• Offers balanced performance and protection

Always refer to your vehicle’s owner manual or consult a professional before selecting the type.

Importance of using the right antifreeze

Choosing the correct antifreeze isn't just about preventing overheating or freezing. It also:

• Prevents corrosion inside the engine and radiator
• Lubricates the water pump, enhancing engine efficiency
• Maintains proper temperature regulation, improving fuel efficiency
• Extends the life of engine components, saving future repair costs

How to choose the right antifreeze for your vehicle?

There are certain things that should be kept in mind before using an Antifreeze for your car. These include the following:

1. Difference between coolant and antifreeze

Most cars use a liuid-based cooling system and water serves as the liuid, which helps to keep the engines cool by absorbing the heat through a specially designed system. However, water can freeze in the coolant pipes as the temperature outside plunges. This is where antifreeze and coolants help. They lower the freezing temperature of water, increase its boiling point and slow its response to outer temperature.

Antifreeze is a glycol-based concentrated liuid that needs to be diluted with water before use. Whereas, coolant comes pre-mixed with water.

2. Need to periodically flush out coolant

Like every other fluid used in your car, the coolant also loses its effectiveness over time. The only solution is to replace it after some time. The vehicle owner’s manual that comes with your car contains detailed guidelines in this respect.

A general rule of thumb to follow in this regard is to change the coolant after your car has travelled 32,000 kilometres or every two years. Although nowadays coolants come with a longer shelf-life, it is better to be safe than sorry.

3. Antifreeze types

While you go to the market to get antifreeze or coolant for your vehicle, you will come across a lot of different varieties. It is important to point out that irrespective of whether it is a red, green, or orange coolant, all are made up of the same base chemical, ethylene glycol. What differentiates one variant from the other is the additives and dyes that are added to make them fit for vehicles with different mileage. When it comes to selecting the best coolant for your car, you should always follow the recommendation of the manufacturer.

4. Deciding the amount

The maxim ‘excess of anything is bad’ holds true in the case of car coolant as well. While using antifreeze is useful in preventing water from freezing and protecting against corrosion, it is important to use it in the right amount.

There is a dilution guideline that is present on the packaging of most antifreeze brands. While using antifreeze for your car, you should follow the dilution chart and dilute the antifreeze to the recommended level.

5. Safety

Ethylene glycol, which is the main ingredient of the antifreeze, is a highly toxic chemical. It can cause damage to the heart, brain and kidneys and is potent enough to cause fatalities when ingested.

It is important to store antifreeze in a safe place away from children and pets. A bitter agent is added to the antifreeze, to prevent consumption, but as it is often said ‘prevention is better than cure’, it should be kept away from unsuspecting individuals.

You should always wear gloves while cleaning antifreeze, as absorption of the solution through the skin can cause severe internal damage. Even inhalation of the fumes can cause dizziness.

You can also opt for another antifreeze that has propylene glycol instead of ethylene glycol as its base. This variant is relatively less toxic and can be used as an alternative.

Key factors to consider before buying antifreeze

Before you buy antifreeze, keep these in mind:

• Colour coding: Though not standardised, it can guide you- green for IAT, orange/red for OAT, and yellow/blue for HOAT.
• Dilution ratio: Some products are pre-mixed (ready-to-use), while others are concentrates that need mixing with distilled water (usually 50:50).
• Compatibility: Look for OEM-approved coolants or those that meet international specifications (ASTM D3306, BS6580).
• Shelf life: Store in a cool, dry place because antifreeze can degrade if not used within a few years.

Tips for using antifreeze correctly

Follow these tips to ensure that you are using antifreeze properly-

• Never open the radiator cap when the engine is hot since it can cause burns.
• Use only distilled water to dilute concentrated antifreeze, preventing mineral deposits.
• Flush old coolant from the system before adding new antifreeze to avoid contamination.
• Monitor coolant levels regularly, especially before long drives or during seasonal changes.

Common mistakes to avoid with antifreeze

Using antifreeze incorrectly can harm your engine, so it's important to avoid these common mistakes.

• Mixing incompatible antifreeze: This can lead to gelling or poor heat transfer.
• Using tap water: Minerals in tap water can corrode engine components.
• Ignoring low coolant warnings: This could result in overheating and engine damage.
• Overfilling or underfilling: Both can disrupt optimal engine temperature.

Such mistakes, while often minor in appearance, can lead to major engine repairs and may not always be covered under car insurance if negligence is proven.

Environmental impact and safe disposal of antifreeze

Antifreeze is toxic to both humans and animals and should never be poured down drains or onto the ground. Here’s how to dispose of it safely:

• Use sealed containers to store used antifreeze.
• Take it to a certified recycling centre or service station.
• Avoid mixing it with other fluids, such as oil or brake fluid.

Conclusion

Antifreeze may seem like just another fluid in your vehicle, but its role is crucial to your engine’s health and performance across seasons. From choosing the right type to using it correctly and disposing of it safely, antifreeze is an essential part of responsible car ownership.

Make antifreeze care a routine part of your maintenance checklist, just like renewing or checking the status of your car insurance online. When it comes to your car, prevention is always better than expensive repairs.

FAQs

1 Can I use water instead of antifreeze?

Water alone lacks the anti-corrosive and anti-boiling properties of antifreeze. Use only as an emergency solution.

2 How often should I change antifreeze?

It depends on the type, every 2-3 years for IAT and up to 5 years for OAT and HOAT. Always refer to your car’s service manual.

3 Does comprehensive car insurance cover coolant-related damage?

Yes, but only if the damage is sudden and not caused by negligence. Always maintain your vehicle as per the manufacturer's guidelines.

4 How do I know if my antifreeze needs changing?

If the coolant appears rusty, murky or has floating particles, it’s time to flush and replace.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or conseuences resulting from the use of this outdated information.

At a time when fuel prices and environmental concerns are rising, we are in dire need of finding an alternative to petrol and diesel cars. With the price of oil bound to rise over the next decade, electric vehicles (EVs) have evolved as a better option. One thing that makes them popular is their low running cost.

The government of India aspires for a nation with 100% electric mobility by 2030. To support this agenda, some significant steps have been taken by the government, such as the launch of the National Electric Mobility Mission Plan in 2013 and the FAME India scheme in 2015.

What can be the effects of 100% electric mobility?

From India’s perspective, switching to complete electric mobility by 2030 makes sense. There are over 200 million vehicles on the road, estimated to rise to 300 million by 2030. This means that India’s oil import bill which is about USD 80 billion presently, could rise to about USD 150 billion by the next decade. What this means is that switching to electric vehicles could save about USD 60 billion in fuel costs and simultaneously cut down 1 gigatonne of carbon emissions.

Let’s analyse other factors to understand how switching to electric mobility can affect the monthly budget of a common man and understand the real impact of this transition in the country.

Common myths about electric vehicle savings

There are a few persistent myths that deter potential EV buyers:

• Myth: EVs are more expensive to maintain.
  Reality: With fewer components like spark plugs, oil filters and gearboxes, EVs are easier and cheaper to maintain.
  Myth: Electricity is also costly.
  Reality: Even with rising electricity tariffs, EVs cost only ₹1.2- ₹1.5 per km, compared to ₹6–₹8 per km for petrol vehicles.
• Myth: Insurance is difficult to get for EVs.
  Reality: You can easily buy car insurance for EVs and collect no claim bonus in car insurance to reduce the premiums.

How much amount can be saved per month?

Depending upon the vehicle and the electricity tariff in your area, a full charge for an EV is far more cost-effective than filling up a tank. Let’s calculate the difference it makes if you use an electric car rather than a petrol one for a month. Assuming that you need to travel an average of 50 km daily for 24 days in a month, here’s the simple calculation:

Electric car with a full range of 140 km

• Total electricity consumed for full charge: 16.5 units
• Electricity usage per km: 16.5/140= 0.12 unit
• Maximum cost of electricity: 6.5 per unit (in Delhi)
• Total running cost per km: 6.5x0.12= 78 paise
• Total cost for running 50 km in a day: 50x0.78= ₹39
• Total expenditure in a month: 39x24= ₹936

Petrol car with assumed mileage of 15kmpl

• Daily consumption of petrol: 50/15= 3.33 litres
• Average price of petrol this year: ₹77 (in Delhi)
• The daily cost of running 50 kms: 77x3.3= ₹254.10
• Total monthly expenditure: 254.10x24= ₹6098.40

As concluded from the above calculations, the total monthly difference in the running cost of both cars is ₹(6098.40-936) which amounts to ₹5,162.40. This proves how electric mobility can boost your savings. Here are a few more reasons to consider electric mobility:

Low maintenance cost

Apart from the running costs, electric vehicles also help in saving a sufficient amount of money for the care and maintenance of the vehicle. Unlike petrol and diesel cars, electric engines do not require expensive maintenance work, as frequently. This is because, in a traditional combustion engine, there are hundreds of moving parts, whereas an electric motor has fewer than 20, which imparts long-term durability and lower maintenance needs.

Comparing total cost of ownership: Electric vs petrol cars

Tax credits and rebates

The Indian government has also laid out an incentive program to reduce the road tax charges for electric vehicles significantly. It is also offering substantial tax rebates to those who purchase electric vehicles to spur demand for these cars and reduce the dependence on oil. Apart from this, various state governments are also planning to offer tax incentives for going electric.

Role of electric mobility in reducing carbon footprint

Electric mobility not only saves money but also ensures collective responsibility towards the environment.

Reduction of environmental degradation

Electric vehicles emit about 100 g/km of carbon dioxide for a mid-sized hatchback as against 135g/km for similar vehicles running on petrol, diesel, or CNG. With the improvement in technology and battery efficiency, this emission can be further reduced to 70 g/km in around 10 years. What this implies is that around 836 million metric tons of crude and about 1 gigatonne of carbon footprint can be saved if complete electrification takes place.

Having said that, all is not gold with the electric cars. Unlike petrol cars, electric vehicles require a substantial amount of time to fully charge. Additionally, charging stations are few and far between in the country, even in urban setups. Also, it may demand a battery replacement every 4-5 years which may prove costly. A comprehensive motor insurance policy can however help you cover such costs to an extent.

Conclusion

Switching to electric mobility is a wise investment today. Whether motivated by savings, sustainability or sheer driving convenience, a shift to EVs delivers on all fronts. With access to car insurance online, maintenance-free driving and long-term cost advantages, the transition is not just desirable, but inevitable.

FAQs

1. Are EVs more expensive to insure?

Not necessarily. Most insurance providers give affordable premiums, and you can buy car insurance online easily. If you maintain a good record, you can even claim your no-claim bonus in car insurance.

2. How long will it take to fully charge an electric vehicle?

It depends on the charger. A standard home charger can take 6–8 hours, while fast chargers take 1–2 hours for an 80% charge.

3. What if I run out of battery in the middle of the road?

Many EVs now come with range prediction systems, and charging stations are rapidly expanding across cities.

4. Are EVs safe?

Yes. EVs undergo rigorous safety tests and come with advanced safety features like battery management systems and collision alerts.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Car insurance premiums are not fixed for everyone—they vary based on several important factors. Insurance companies look at details like the type of car you drive, how much it's worth, where you live, how you use the car, and your driving history. They also consider your age and the kind of coverage you choose. By looking at all this information, they try to estimate how likely you are to make a claim and then decide how much you should pay for your insurance.

Details required for calculating car insurance premium

To calculate your car insurance premium, whether for a new or old vehicle, you need to provide the following essential details:

• Car make, model, and variant
  (e.g., Hyundai i20 Sportz 1.2L Petrol)
• Fuel type
  (Petrol, Diesel, CNG, Electric)
• Manufacturing year
• Registration location
  (City or RTO zone affects pricing)
• Vehicle ownership type
  (Private or commercial)
• Insurance type
  (Third-party or comprehensive car insurance)
• No Claim Bonus (NCB)
  (If applicable, can reduce your premium)
• Add-on covers
  (Zero depreciation, engine protection, etc.)

How to calculate insurance premium for new and old cars?

For a brand-new vehicle, the premium is calculated based on the Insured Declared Value or IDV, the present-day market value of the vehicle. The IDV decreases annually because of depreciation.

For new cars, the premium includes:

• Third-party premium (fixed by IRDAI)
• Own damage premium (depends on IDV, car model, among other things)
• Add-on covers (if selected)

For pre-owned or older cars, the IDV is significantly reduced due to age and depreciation. Premiums are calculated accordingly and may be lower than new cars.

However, factors like accident history, location, and usage patterns can still impact your premium. Renewals may also benefit from No Claim Bonus and loyalty discounts.

Use a car insurance calculator to get quick, accurate estimates for both new and used cars.

Factors that affect car insurance premiums

While buying car insurance, several factors should be taken into consideration, the premium being the first and most important. The premium for your car insurance depends on the following factors:

Insured Declared Value (IDV):

 The IDV is the maximum amount or sum assured that you can claim from your insurer, for a damaged or stolen car. Your IDV may vary depending on the ex-showroom price and depreciation of your car. So, the older your car gets the lower the IDV.

Car model:

 Your premium will vary based on how expensive your car is. More expensive cars with a higher engine capacity (exceeding 1500cc), like luxury sedans and SUVs will have higher premiums, while base car models with lower engine capacity (below 1500cc) will have lower premiums.

Age of car:

 Since, the IDV changes with the age of your car, age is also an important factor in car premium calculations. The older your car gets, the more depreciated it is, leading to a lower IDV and the lower the IDV, the lower the premium.

Car safety:

 Another major factor affecting your car insurance premium is how safe your car is. Insurance premiums for cars with advanced safety features will be lower than those without such features. This is because safety features like airbags, ABS, collision warning systems, anti-theft alarms and automatic braking make your car less susceptible to theft and accidents.

Location of car:

 The registration address of your car is also a determining factor in calculating your car insurance premium. Car insurance purchased at locations with higher crime and accident rates will have higher premiums as the car becomes more susceptible to theft or damage in such areas. This makes car insurance costlier in urban areas than rural ones, as crime and accident rates are usually higher in urban areas.

Take your time to research and make an informed choice regarding the car insurance policy you will need. Once you have decided, you can calculate the premium for your chosen car insurance policy using an online car insurance calculator, before you actually take the plunge.

How to reduce car insurance premium?

Here are smart tips to bring down your premium without compromising on protection:

• Opt for voluntary deductibles: Agreeing to pay a portion of the claim can reduce your premium.
• Claim No Claim Bonus (NCB): Avoid minor claims and retain your NCB for up to 50% discount.
• Install anti-theft devices: ARAI-approved security features can lower premiums.
• Choose only essential add-ons: Avoid unnecessary covers that inflate your cost.
• Renew policy on time: Avoid policy lapse to prevent higher renewal rates.
• Compare and buy online: Use calculators on platforms to find the best rates.

Conclusion

Calculating your car insurance premium does not have to be a mystery. With the right information and digital tools, like online premium calculators, you can make informed choices tailored to your vehicle’s profile. Whether it’s a brand-new sedan or a trusty old hatchback, understanding how your premium is computed helps you save money while ensuring optimal protection through comprehensive car insurance. So, before your next renewal or purchase, take a moment to calculate, compare and choose wisely.

FAQs

1. What is IDV in car insurance?

IDV (Insured Declared Value) is the value of your four-wheeler in the market. It is the maximum amount your insurer will pay if your car is stolen or damaged beyond repair.

2. Does comprehensive car insurance cover everything?

No. While comprehensive car insurance covers own damage, third-party liability, theft and natural disasters, certain exclusions still apply, like wear and tear, driving under the influence, etc.

3. Will adding riders increase my premium?

Yes. Add-ons like zero depreciation, engine cover and roadside assistance add to the premium but offer enhanced coverage.

4. How often can I switch my insurer?

You can change insurers every year during renewal or even port your NCB to a new insurer.

5. Can I calculate my premium without registering the car?

Yes, using online car insurance calculators, you can estimate premiums based on make, model and location.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The new car smell, the fresh interiors, the silky-smooth ride, everything feels exciting when you buy a new vehicle. However, with great comfort comes a need for greater responsibility, especially when driving conditions change with the seasons. From understanding your vehicle better to ensuring you have the right car insurance policy, this blog walks you through everything you need to know before taking your new car out on the road this season.

Why seasonal driving awareness is important?

Each season can drastically affect road conditions, visibility and vehicle performance. Summer heat can overheat engines and tyres, monsoon rains reduce road grip and visibility and winter brings fog, slippery roads and battery issues.

Being mindful of these changes helps you:

• Avoid unexpected breakdowns
• Drive more confidently and securely
• Extend the life of your car
• Stay compliant with your comprehensive car insurance coverage, which often reuires routine maintenance

Understanding your new car’s features

Modern cars come packed with features that enhance both safety and performance. They become effective only if you know how to use them. As a new vehicle owner, take time to explore:

• Traction control systems
• Rain-sensing wipers and automatic headlamps
• Tyre pressure monitoring system (TPMS)
• Advanced driver assistance systems (ADAS)

Knowing what your car is capable of and how it responds in different weather conditions will make you a more confident and efficient driver.

Essential pre-drive checklist for new car owners

Get the best deal on your car purchase by keeping these things in mind:

The festive season calls for new beginnings, new clothes, new account books and much more. It is the time of the year when discounts and car sales break new records. If you are planning to buy a car this season, there are a lot of variables you must understand to help you cut down costs and get the value for your money, such as:

Research the dealers

Opt for dealers who are known to be cooperative and fair. This will save you money and to-and-fro in the long run. Make sure to understand all the terms and conditions clearly to avoid incomplete coverage later on.

Plan for a Diwali purchase

Diwali is a festival that brings happiness, joy and a lot of discounts on various purchases. Car dealers provide attractive discounts to boost sales, making it an ideal time for you to plan your purchase.

In some cases, they offer a discount on add-ons and additional perks such as free accessories and extended warranties.

Put safety first

Make sure you carefully inspect and inuire about the safety features of the car. Always opt for airbags; although the initial cost may seem high, they prove worthy in the long run.

Choose parking assist sensors and a camera so that you can easily fit your car in a tight parking space if needed. In addition, make sure the seating and luggage capacity is ample. Another important factor to consider is the driving comfort; ensure the seat height is comfortable and your legs reach the pedals effortlessly.

Consider the features

Rear parking sensors and cameras are a welcome convenience that save accidental damage. While Bluetooth lets you play music and attend calls wirelessly, thereby adding to your convenience. Rain-sensing wipers are another innovation that comes at an extravagant cost, but are very helpful as they reduce the wear and tear of your wiper blades and protect the windshield from scratches.

Check warranty

Manufacturing defects and malfunctioning parts can be a costly affair to replace. Get an extended warranty and after-sales service to get your car fixed under budget.

Get insured

With a steep rise in the number of accidents in recent years, it is a wise decision to opt for comprehensive vehicle insurance with tailor-made add-ons. Although getting insured from the dealership seems hassle-free, it is advisable to avoid the middlemen. You can save up to 40% on purchase costs if you buy your car policy online.

ICICI Lombard car insurance offers the best protection for your car, against natural calamities and accidental damage. Apart from the mandatory third-party liability, it gives you comprehensive protection with various add-ons such as zero depreciation cover and no claim bonus benefits that are must-haves for new cars. It comes with Roadside Assistance (RSA) which will help you in the event of:

• Battery jump start
• Towing
• Arrangement of the rental vehicle
• Arrangement of fuel
• Arrangement of accommodation
• Breakdown
• Flat tire
• Minor repairs
• Arrangement of keys

Season-specific driving tips

There are a few things to keep in mind while driving in these seasons:

Summer:

• Avoid overloading your car, as high temperatures can stress your tyres.
• Park in shaded areas or use sunshades to protect interiors.
• Stay hydrated and avoid driving long distances in extreme heat without breaks.

Monsoon:

• Drive slower and maintain a longer braking distance.
• Avoid waterlogged roads where the depth is uncertain.
• Use defoggers and air conditioning to prevent windshield fogging.

Winter:

• Warm up your engine for a few minutes before moving.
• Keep headlights and fog lamps clean for better visibility.
• Use low-beam lights in foggy conditions and avoid sudden braking.

New car maintenance tips for every season

Here are a few car maintenance tips that will come in handy in every season:

• Summer: Check battery fluids, cooling system and AC performance.
• Monsoon: Get an anti-rust treatment and inspect rubber seals to avoid leaks.
• Winter: Check the heater, battery health and tyre grip.

Regular servicing also helps meet the conditions in your comprehensive car insurance, which may not cover damage due to negligence or poor upkeep.

Seasonal accessories you might need

Enhance safety and comfort with accessories designed for seasonal needs:

• Sunshades and seat cover for summer
• Rubber mats, mud flaps and waterproof covers for the rainy season
• Anti-fog films, car blankets and snow brushes (in colder regions) for winter

Sometimes car insurance policy even offers add-ons for accessories, so check if your plan covers these extra items.

Conclusion

Driving a new car is thrilling, but being a responsible owner means preparing for seasonal changes. Whether it's understanding your car better, staying on top of maintenance, or having the right car insurance policy, a little awareness goes a long way. Make seasonal care a part of your driving routine, and you’ll enjoy a smooth and safe ride, no matter the weather.

So, gear up, stay covered with a comprehensive car insurance plan, and hit the road with confidence this season!

FAQs

1 Do I need to change my car insurance policy every season?

No, but it is good to review your car insurance plan annually and check for seasonal add-ons or breakdown assistance.

2 Is comprehensive car insurance enough for seasonal damage?

It generally covers seasonal issues like flood damage or accidents in poor visibility. Always read the policy documents to understand the exclusions and inclusions of the plan.

3 What if my car breaks down during a seasonal drive?

If you have roadside assistance (often available with comprehensive policies), you can call for help. Always keep your insurer’s helpline handy.

4 Are accessories covered under car insurance?

They are covered only if you have declared them in your policy or opted for additional cover. Always inform your insurer about high-value accessories.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or conseuences resulting from the use of this outdated information.

Road safety is a major concern in India, where the number of vehicles on the road increases day by day. The more staggering fact is that the country has the highest number of deaths in road accidents across the globe. One in every 10 deaths is reported in our country.

While there can be no substitute for responsible and safe driving, a comprehensive motor insurance policy can cover your vehicle and the driver against unforeseen circumstances. It also covers liability against damages to third parties or their property. As per The Motor Vehicle Act of 1988, minimum third-party car insurance is mandatory for all vehicles plying on Indian roads.

Why do you need comprehensive motor insurance?

Paying for the repair of your car when it takes a hit can be a costly affair. Whether it is because of your own negligence or someone else’s, it can set you back by a considerable amount of money. However, if you have insured your car with a comprehensive motor insurance policy, you don’t have to pay for these repairs from your pocket. In cases where your car is damaged beyond repair, you are compensated with the insured declared value (IDV) of the vehicle.

Apart from the damages to your vehicle, the motor insurance also covers hospitalisation and treatment charges for the driver. Not everyone escapes with minor cuts and bruises in an accident. You can end up paying hefty medical charges from your pocket in case of serious injuries. Your car insurance policy will act as your financial bodyguard and pay your hospital bills.

Risks covered under comprehensive insurance

Here's a breakdown of the incidents that are covered under a comprehensive car insurance policy:

• Own damage from accidents: Covers damage to your car due to collision, overturning or impact.
• Natural disasters: Loss or damage from floods, storms, earthquakes, cyclones, etc.
• Fire and explosion: Any damage from accidental fire, lightning, or explosions.
• Theft: Full compensation if your car is stolen and not recovered.
• Vandalism and riots: Losses due to social unrest or deliberate damage.
• Third-party liability: Covers bodily injuries, death, or property damage to others involved in an accident with the insured vehicle.
• Personal accident cover: Financial protection for the owner-driver in case of injury or death.

Risks not covered under comprehensive insurance

While comprehensive insurance offers wide coverage, it does not include everything. Being aware of exclusions helps avoid surprises during claim settlement.

Typical exclusions include:

• Normal wear and tear: Depreciation, mechanical breakdowns, or aging of parts are not covered.
• Driving under the influence: Accidents caused while driving drunk or under the influence of drugs are not eligible for claims.
• Unlicensed driving: No coverage if the driver does not have a valid driving licence.
• Electrical or mechanical breakdown: Failures not caused by external impact are excluded.
• Consequential losses: Indirect damages, like engine failure from water ingress post-flooding, may not be covered unless additional riders are bought.

Reading the fine print in your four wheeler insurance document is crucial to understanding what is covered and not.

Other features and benefits

Financial prudence lies in covering your drive with a comprehensive car insurance policy. You have to declare an Insured Declared Value (IDV) of your vehicle while insuring it. Compare and check premium with various insurance companies before buying one. Here are few factors which you should look out for before selecting a motor insurance policy:

• Cashless service at network garages
  With a comprehensive car insurance policy, you can get cashless repairs and other services at network garages of the insurance company. For example, ICICI Lombard’s car insurance makes you eligible for cashless services at more than 3,500 network garages across the country.
• Road side assistance in case of breakdown
  If you are secured with a car insurance policy, you don’t have to panic when your car breaks down in the middle of the road. Most of the insurers provide roadside assistancein case of breakdowns. Just give a call and you will be helped in repairs, accommodation and more till your car is fit to run again.
• Online purchase facilitates affordability
  Buying a motor insurance policy online results in lower premiums. The insurer passes the benefit of lower operating costs on online transactions to the customers. Not only that, the online policies are paperless, convenient and come into effect almost immediately. When the time comes for renewal, that can also be taken care of online and without any hassles.

Conclusion

It’s imperative to get your vehicle covered with a comprehensive motor insurance policy to ensure a worry-free and safe drive. While third party car insurance fulfils your legal obligations, a comprehensive policy ensures your car is protected, your finances remain stable and your journeys continue uninterrupted. With the added perks like no claim bonus, roadside assistance and coverage against theft and natural disasters, investing in comprehensive four wheeler insurance is a wise and essential decision for every responsible driver.

FAQs

1. Is comprehensive insurance mandatory in India?

No. Only third-party car insurance is mandatory by law. While comprehensive insurance is not a must, it is crucial for the safety of your vehicle and financial health.

2. Can I switch from third party to comprehensive insurance?

Yes, you can switch during renewal or even mid-policy by contacting your insurer and paying the difference in premium.

3. What is the role of NCB in comprehensive policies?

NCB (No Claim Bonus) rewards safe drivers. If you don’t make any claims, you get a discount on your premium when renewing your four-wheeler insurance.

4. Does comprehensive insurance cover flood damage?

Yes. Natural calamities like floods are covered under comprehensive plans.

5. Will I get the full cost of my car back in case of theft?

You will only get the IDV (Insured Declared Value), which is the current market value of your car minus depreciation, unless you have a return-to-invoice add-on.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Driving in India can be challenging with heavy traffic, unpredictable pedestrians and sudden obstacles on the road. Even the most careful drivers can face situations where a split second makes all the difference. Autonomous Emergency Braking or AEB, is a safety feature that detects potential collisions and automatically applies brakes to reduce the risk of or damage from an accident.

Understanding how AEB works, its benefits and limitations and which cars in India offer it can help you make smarter choices for safer driving; and ensure your car insurance policy covers such advanced safety features.

What is Autonomous Emergency Braking (AEB)?

Autonomous Emergency Braking is a safety feature that automatically applies the brakes if the system detects a potential collision. It utilises sensors, cameras or radar to monitor the road, helping to reduce the severity of accidents or avoid them entirely.

AEB is also included in modern vehicle safety ratings and is becoming a global standard for road safety.

How does Autonomous Emergency Braking work?

Car AEB continuously scans the road using sensors, cameras or radar to detect vehicles, pedestrians or obstacles. If it senses a potential collision and the driver does not react in time, the system automatically applies the brakes.

The braking force is adjusted based on the vehicle’s speed and the distance to the obstacle to reduce impact or prevent the crash.

What are the different types of Autonomous Emergency Braking?

Autonomous Emergency Braking system comes in several types depending on driving conditions. City AEB works at low speeds and is useful in heavy traffic. Highway AEB operates at higher speeds to reduce the impact of fast-moving collisions.

Pedestrian and cyclist detection identifies and responds to vulnerable road users. Cross traffic AEB helps detect risks when reversing or crossing intersections.

What are the pros and cons of Autonomous Emergency Braking (AEB)?

Autonomous Brake system offers several benefits. It helps reduce rear-end collisions, enhances driver confidence in heavy traffic and contributes to higher vehicle safety ratings. At the same time, it has some limitations.

The system may not always detect small or suddenly appearing obstacles; its effectiveness can decrease in poor weather or low visibility and repairs or replacements for sensors can be expensive.

Can Autonomous Emergency Braking (AEB) be installed from the aftermarket?

AEB generally cannot be added as an aftermarket feature because it requires integration with factory-fitted sensors, cameras and the braking system. Aftermarket kits may not meet manufacturer safety standards; therefore, the most reliable way to obtain AEB is to purchase a vehicle that comes equipped with it from the factory.

Affordable cars in India that offer Autonomous Emergency Braking (AEB)?

AEB is no longer limited to premium models and is gradually appearing in more affordable cars in India. Brands such as Honda, MG and Hyundai are offering AEB in mid-range SUVs and sedans.

As EVs and hybrids become more common, AEB is expected to become a standard feature, with pricing gradually becoming more competitive across different models.

Conclusion

Autonomous Emergency Braking is more than a feature; it is a practical tool that can help prevent accidents and keep you safer on Indian roads. While cost and certain limitations exist, the benefits of AEB in reducing collisions and enhancing driver confidence are significant. When combined with comprehensive car insurance, which helps protect your vehicle and financial security, AEB can play a key role in making everyday driving safer and more reassuring.

FAQs

1. What is the main benefit of AEB?

It automatically applies brakes to prevent or reduce the severity of collisions.

2. Does AEB work in all driving conditions?

AEB is effective but may face limitations in fog, heavy rain or poor road visibility.

3. Is AEB available in affordable cars in India?

Yes, select models from brands like Hyundai, MG and Honda are introducing AEB in mid-level variants.

4. Does having AEB affect my third-party insurance policy?

The effect of AEB on your third party car insurance can vary between insurers and policies. It’s best to check your policy terms or speak with your insurer to understand any potential impact.

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

When a warning light appears on your car’s dashboard, it can be hard to tell what the issue is. Modern vehicles depend heavily on electronic systems, making manual diagnosis difficult without the right tool. This is where an OBD2 scanner becomes useful.

An OBD2 scanner connects to your car’s onboard diagnostic system to read error codes and provide insight into potential problems. By understanding how to use the OBD2 scanner, you can identify faults, track basic engine data and detect issues early.

What is an OBD2 scanner?

An OBD2 scanner is a diagnostic tool that connects to the OBD2 port to read information or error codes, also known as Diagnostic Trouble Codes (DTCs). These codes help indicate faults in different components such as the engine, emissions system, sensors or transmission, making it easier to understand what may need repair or attention.

Why are OBD2 scanners important for car owners?

An OBD2 scanner can help you understand your vehicle’s health without relying solely on warning lights. It offers quick access to diagnostic codes that indicate potential issues, allowing you to identify problems early and avoid unexpected breakdowns. The scanner also helps monitor engine performance, emissions and sensor behaviour, which can support timely maintenance. By checking basic faults at home, you can visit a workshop with clearer information, saving time and ensuring repairs are more accurate.

Preparing your car before using an OBD2 scanner

Before you use an OBD2 scanner, park the car on a flat, safe surface and switch off the engine. Keep the ignition key ready, as some scanners require the key in the “ON” position without starting the engine. Locate the OBD2 port under the driver-side dashboard and ensure it is clean. If the battery is weak, charge it first, as low power can affect diagnostic readings.

Step-by-step guide to using an OBD2 scanner

Here is the step-by-step guide on how to use an OBD2 scanner:

• Locate the OBD2 port: The port is usually found below the dashboard, near the steering column.
• Turn the ignition to the ON position: Most scanners require the ignition to be switched “ON” without starting the engine.
• Connect the scanner: Insert the scanner’s connector firmly into the OBD2 port. The device should power on automatically, depending on its type.
• Select the scan option: Use the scanner’s menu to choose “Read Codes” or a similar command to begin the diagnostic process.
• View the Diagnostic Trouble Codes (DTCs): The scanner will display codes that indicate potential issues with the engine, sensors or emission systems.
• Check code descriptions: Many scanners provide built-in descriptions. If not, you can refer to the user manual or trusted automotive sources.
• Clear codes if needed: After repairs, the scanner can be used to clear the stored codes. Clearing codes without addressing the fault may cause the issue to reappear.

Common OBD2 codes and what they mean

Here are the most common codes with their meaning:

Mistakes to avoid when using an OBD2 scanner

Even if you know how to use an OBD-II scanner correctly, certain mistakes can lead to inaccurate readings or missed issues. Avoid clearing error codes without addressing the actual issue, as the warning may return. Do not use the scanner with a weak battery, as low power can cause incomplete or incorrect readings. Relying only on the scanner while ignoring warning lights can delay necessary repairs. Also, ensure the scanner is compatible with your vehicle to avoid missing or inaccurate data.

Choosing the right OBD2 scanner for your needs

Choosing the best professional OBD2 scanner depends on how much information you want to access and how frequently you plan to use the device. Basic code readers are suitable for car owners who only need to check and clear error codes, while advanced scanners offer live data, sensor readings and detailed system reports. It is helpful to select a scanner that is compatible with your car model and provides clear instructions on the screen.

Role of engine diagnostics in car insurance

Regular diagnostic checks can help identify faults early, supporting timely maintenance and reducing the risk of major engine problems. A standard car insurance policy usually covers accident-related engine damage, but may not cover faults caused by regular wear and tear or lack of maintenance. Many insurers offer an engine protection add-on for specific situations, such as water damage or oil leakage.

Additionally, it is legally mandatory to have third party car insurance in addition to own-damage cover.

Conclusion

An OBD2 scanner is a useful tool for understanding your car’s condition and spotting issues early. It helps read diagnostic codes, monitor basic engine performance and support timely maintenance. Using a scanner correctly and choosing the right type for your needs can help manage repairs with better clarity.

Alongside regular checks, having suitable car insurance provides financial protection against damages, accidents or theft.

FAQs

1. Can I use an OBD2 scanner on any car?

Most cars manufactured are OBD2-compliant, but it is important to check the scanner’s compatibility with your vehicle.

2. Do OBD2 scanners fix car problems?

An OBD2 scanner only reads and displays error codes. It helps identify issues, but the actual repairs must be done by a technician or at a workshop.

3. Is it safe to clear OBD2 codes on my own?

Clearing codes is generally safe, but it does not solve the underlying issue. The fault may return if the problem is not addressed.

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

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Driving on highways allows you to cover long distances quickly, but safe driving becomes even more important when vehicles move at higher speeds. Following the right highway rules helps prevent accidents and ensures a comfortable journey for everyone on the road.

Indian highways have specific guidelines related to documents, speed limits, lane use and signalling. Understanding these highway rules and regulations is essential to make your travel smoother and enjoyable.

Essential documents required for highway travel

When travelling on Indian highways, you should keep the following documents with you at all times:

• Driving licence: A valid licence confirming your eligibility to drive a vehicle.
• Registration certificate: The vehicle’s RC book with complete details.
• Insurance certificate: A valid four wheeler insurance policy document.
• Pollution under control (PUC) certificate: Proof that your vehicle meets emission standards.
• Identity proof: An Aadhaar card or any other ID may be required at certain checkpoints.

Speed limits on Indian highways

On most Indian highways, the permitted speed depends on the type of road and vehicle:

• Cars: The limit generally ranges from 80 to 120 km/h, depending on whether it is a national highway or an expressway.
• Two-wheelers: Speed limits usually fall between 60 and 80 km/h.
• Heavy vehicles: Buses and trucks typically have lower limits for safety, usually falling between 60 and 80 km/h.

These limits may vary across states, so it is important to follow the signboards placed along the highways.

Lane discipline and overtaking rules

As a driver, you should drive in your designated lane and avoid frequent or unnecessary lane changes, as this can disrupt traffic flow and lead to sudden braking. Overtaking should always be done from the right side and only after checking mirrors and ensuring there is enough space to move ahead safely. Once the overtaking is complete, the vehicle should return to its original lane and without cutting off the vehicle behind.

Safe distance and tailgating guidelines

Keep enough space between the vehicles to allow time for safe braking in case of sudden stops or changes in traffic flow. Tailgating, or driving too closely behind another vehicle, increases the risk of rear-end collisions and reduces your ability to react quickly. A general rule is to follow the “three-second gap”, adjusting it further during different weather, such as rain or fog. Keeping a comfortable distance not only improves safety but also reduces stress when driving for long hours on busy highways.

Rules for using indicators, horns and headlights

Using indicators, horns, and headlights correctly are important highway rules for driving, as they help provide clear communication. Indicators should always be used before changing lanes, overtaking or taking an exit to let other drivers anticipate your next movement. Horns should be used only when necessary to alert another vehicle. It is recommended to avoid continuous or loud honking as it may cause confusion or discomfort. Headlights must be used appropriately, especially during low visibility, at night or in tunnels. High beams should be avoided when approaching oncoming traffic, as they can affect the other driver’s vision.

Highway signage and what they mean

These signs help drivers understand road conditions and follow highway traffic rules safely on highways:

Do’s and don’ts at toll plazas

Slow down while approaching the toll plaza and use the correct lane for your payment method, such as FASTag. Maintain a safe distance, follow lane markings and keep your FASTag balance sufficient. Move ahead only when signalled.

Avoid overtaking, sudden lane changes, unnecessary honking or jumping queues. Do not block lanes or rush through the booth. After crossing, accelerate smoothly and merge back safely.

Conclusion

Driving on the highway becomes safer when you follow highway driving rules related to documents, speed limits, lane use and road signage. These rules help you stay alert, avoid violations and handle different situations with confidence.

Additionally, it is important to have third party insurance in addition to own-damage insurance to meet legal requirements and to address third-party claims, if any, during your journey.

FAQs

1. What documents should I show if stopped on a highway?

You may be asked to show your driving licence, RC, valid insurance and PUC certificate. Digital copies in DigiLocker or mParivahan are also accepted.

2. Is FASTag mandatory on Indian highways?

Yes, FASTag is mandatory on most national highways. Vehicles without it may be charged an extra toll or penalised.

3. What should I do if my vehicle breaks down on a highway?

Move the vehicle to the shoulder, switch on hazard lights, place a warning triangle and call roadside assistance. Avoid standing in the middle of the road.

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

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Bad Driving Habits to Avoid for Vehicle Longevity

Car tyres are the only components that come into constant contact with the road, which exposes them to continuous friction, heat and pressure. While some wear is natural over time, uneven or premature tyre wear often points to underlying issues. Recognising tyre wear patterns early helps you fix problems sooner, improve safety, reduce repair costs and extend tyre life.

Let us look at the most common types of tyre wear and the ways to prevent them.

Common types of tyre wear patterns

Depending on how it has been used and how well the car has been maintained, a tyre may show different wear patterns. Here are the most common types of car tyre wear:

• Centre wear: The middle portion of the tyre's tread wears off faster compared to the sides.
• Edge wear (shoulder wear): Inner or outer edges of the tyre wear down more than the centre.
• Cupping or scalloping: The tread has a wavy, irregular wear pattern with high and low spots showing.
• Feathering: One side of the tread block feels smooth, while the other side feels sharp.
• Patch wear: Tyre has worn-out spots in random areas.
• One-sided wear: One side of the tyre, either the inner or the outer, wears out much more quickly than the rest.
• Heel-and-toe wear: A saw-tooth pattern appears across the tread blocks.

Causes of different tyre wear patterns

Here are some of the causes:

1. Over-inflation: Too much air pressure pushes the middle of the tyre outward, which creates centre wear.
2. Under-inflation: Low air pressure makes the edges touch the road more, leading to shoulder wear.
3. Wheel misalignment: If the wheels are not aligned properly, the tyres do not sit straight. The outcome is one-sided wear, feathering and inner or outer edge wear.
4. Worn suspension parts: Damaged or weak suspension parts result in bouncing of the tyre, which in turn leads to cupping and scalloping.
5. Unbalanced tyres: If tyres are heavier on one side due to uneven weight distribution, you may see patch wear and vibration of the vehicle at certain speeds.
6. Aggressive braking and fast acceleration: Sudden braking or rapid acceleration can create flat spots and patch wear.
7. Incorrect tyre rotation: Front and rear tyres wear differently due to variations in load and steering dynamics. Failing to rotate tyres regularly can cause uneven tread depth and lead to heel-and-toe wear, reducing tyre lifespan and affecting vehicle handling.

Solutions to fix tyre wear patterns

Once you understand the cause, you can fix the issue. Here's how:

1. Tyre pressure adjustment

Check your tyre pressure every 2–3 weeks to ensure it is at the recommended pressure, which can be found near the driver’s door or the fuel lid. The correct pressure lets the tyre touch the road evenly and prevents centre or shoulder wear.

2. Wheel alignment

If your car pulls to one side or the steering feels off-centre, then your vehicle’s wheels may be misaligned. Proper alignment will help even tyre wear and can prevent one-sided or edge wear.

3. Balance tyres

Balanced tyres prevent vibration and reduce patch wear. It also makes your drive smooth and safeguards the other components of the vehicle.

4. Rotate tyres regularly

Rotating tyres every 8,000-10,000 km will give even wear. This extends the life and maintains consistent performance.

How to prevent abnormal tyre wear

Preventing tyre wear is easier and more cost-effective than repairing the damage later. Follow these practices:

• Maintain tyre pressure: Keep tyres at recommended levels for even wear.
• Regular inspections: Check for cracks, bulges or objects.
• Wheel alignment: Ensure proper alignment to avoid uneven wear.
• Rotate tyres: Regular rotation prolongs tyre life and improves performance.
• Choose suitable tyres: Match tyres to your car and driving conditions.

When to replace your tyres

Even when properly cared for, tyres have a limited lifespan. You should change them when the tread depth falls below about 1.6 mm or when the tread wear indicator becomes visible. A tyre with cracks, deep cuts or a bulge/bubble is unsafe and therefore needs immediate replacement. If your car tyres keep losing air or show uneven wear that cannot be fixed by alignment or balancing, it’s a sign of more serious damage. Also, remember that tyres age and it’s best to replace them every 5–6 years, even when not in use.

How tyre wear impacts car insurance

The condition of your vehicle tyres can influence car insurance claims and coverage:

1. Accident claims: If worn-out or damaged tyres contribute to an accident, insurers may reduce or reject the claim.
2. Limited tyre coverage: Standard policies generally do not cover tyre wear or damage from regular use; additional add-ons may be required for tyre protection.
3. Safety and premiums: Well-maintained tyres reduce accident risk, which can help keep insurance costs stable over time.
4. Third-party coverage limits: A standard third party car insurance policy covers damage or injury to others, not damage to your own car.

Conclusion

Tyre wear patterns may seem like a small detail, but they reveal a lot about your car’s condition. By understanding what each wear pattern indicates, you can identify issues early, maintain safety and avoid costly repairs. Routine care, such as maintaining proper tyre pressure, rotating tyres, checking alignment and inspecting for damage, can significantly reduce uneven wear and extend tyre life.

FAQs

1. How often should I check car tyre pressure?

Every 2–3 weeks, and always before long journeys.

2. What is the biggest cause of uneven tyre wear?

Mostly due to incorrect wheel alignment, improper tyre pressure or faults within the suspension system.

3. Should all four tyres be changed at the same time?

Not necessarily. However, the tyres on the same axle should match to maintain proper balance, stability and overall safety while driving.

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

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A gearbox, also called transmission, is a mechanical device which transfers power from one part to another. It also regulates speed and torque between car components like a load and a motor.

Simply put, a gearbox is a collection of gears connected to the wheels and shifted to manage speed and torque while driving. The gears are arranged in different patterns to provide various speed levels while maintaining the engine performance.

Due to its constant use, wear and tear can cause various types of gearbox problems. Considering its role in directing power from the engine to the wheels, it is necessary you never overlook them. Understanding what these issues are is essential for timely identification and resolution to maintain the optimal performance of the gearbox.

List Of Common Car Gearbox Problems

• Insufficient Acceleration or Throttle Response

This problem leads to a delay in the car's acceleration. This can happen due to a faulty clutch, exhausted plates, worn-out clutch springs or air in the fluid passage.

• Transmission Fluid Spillage Under Your Car

Transmission fluid is a bright orange liquid required to lubricate the gearbox. It can spill and accumulate under your car because of excessively high oil levels in the enclosure, damaged oil sealings, loose nuts or bolts or a crack in gear sealing.

• Grinding Noise and Buzzing During the Gear Shifts

One of the most common gearbox problems is the shaking and grinding of your car during a gear shift. It can happen due to a dry rear wheel bearing on the main shaft, damaged speedometer drive gears, insufficient lubrication because of worn bearings and shaft, or excessive recoil in a gear train.

The Maruti Brezza 2025 continues to dominate the compact SUV category in India with its fuel-efficient performance, advanced features and bold design. It is perfect for city drives and weekend getaways and combines a premium feel with practicality.

After it was introduced in 2016, Brezza became a favourite among Indian buyers for its affordable upkeep, strong mileage and reliability. Its 2025 version takes things a bit further with enhanced safety features, improved looks and a diverse range of smart technologies.

This blog explains the price range, engine, performance, design and exterior features of the Maruti Suzuki Brezza for 2025 in detail.

Maruti Brezza 2025 price in India

The Maruti Suzuki Brezza has many variants, and each of them comes with a different price range. The table below provides you with clear insight into the pricing:

Along with purchasing a Maruti Suzuki Brezza, it’s also important to consider a good car insurance policy. A comprehensive car insurance plan can cover the cost of repairs or replacements, helping you avoid unexpected financial burdens and providing peace of mind while driving.

Engine & performance specifications

The vehicle comes with a 1.5L K15C smart hybrid petrol engine that offers an efficient and refined performance along with either a 6-speed automatic or a 5-speed manual gearbox. The eco-conscious drivers can opt for the CNG variant, which offers an outstanding balance of economy and performance. For the performance, it includes the following:

Torque and power

The hybrid/petrol mode consists of 102 and 99 bhp and 139 and 137.1 Nm of torque, and the CNG ones have 87 bhp and 121.5 Nm of torque.

Mileage/fuel efficiency

The petrol manual variant has a mileage of 17.38 km/l, the petrol hybrid manual has 19.89 km/l, the petrol hybrid automatic has 19.80 km/l, and the CNG offers 25.51 km/kg of mileage.

Design & exterior features

The new Maruti Brezza 2025 carries a muscular and bold stance with a redesigned grille, dual-tone alloy wheels, LED projector headlamps and a modern-day rear profile. The SUV’s rugged body lines and upright proportions offer it a commanding road presence. Here are some of the exterior features of this SUV:

• Shark fin antenna
• Dual-tone paint options
• 16-inch diamond-cut alloys
• LED taillamps and daytime running lights (DRLs)
• Skid plates and roof rails

Interior features & comfort

For the interior section, the SUV contains a premium dual-tone cabin with a user-friendly layout and high-quality materials. The seats provide excellent cushioning for long drivers, while the generous headroom and legroom ensure comfort for all passengers. The interior section also consists of the following features:

• Push-button stop/start
• 9-inch SmartPlay Pro and touchscreen infotainment
• Rear AC vents
• Wireless Apple CarPlay and Android Auto
• Automatic climate control
• Ambient lighting
• Electric sunroof

Safety & driver-assistance features

Here are the driver assistance and safety features of the Maruti Suzuki Brezza:

• 6 airbags for the top variants
• High-speed alert and seatbelt reminders
• Anti-lock braking system (ABS) with electronic brakeforce distribution (EBD)
• ISOFIX child seat anchors
• Electronic stability program (ESP) with hill hold assist
• Reverse parking camera

The SUV also has rear/reverse parking sensors that help in parking, along with TPMS (Tyre Pressure Monitoring System), which is reported in some trims. Apart from that, the Maruti Brezza also has a good structure/frame made out of stronger steel for good crash protection.

Suspension, brakes & tyres

The SUV offers a ground clearance of 200 mm, which helps in handling potholes, uneven surfaces and typical Indian road conditions. Although the exact technical specs are not always detailed properly, the updated suspension has been tuned for much better ride comfort on rough roads.

The standard braking setup of disc brakes in front and drums/ rear disc might rely on the variant. Additionally, the SUV has 16-inch alloy wheels in several trims, offering it a good road presence and a firm grip.

Infotainment & connectivity features

Maruti has upgraded Brezza’s connectivity and infotainment features to match perfectly with the modern-day expectations:

• Connected car tech: The SUV uses the Suzuki Connect that offers over 40 features, such as vehicle tracking, trip history, remote start and even geo-fencing.
• OTA (over-the-air) updates: The system might support the over-the-air updates to keep the infotainment well-updated.
• Wireless charging: This feature might be available in the top variants. It makes life a lot easier for passengers.
• Speakers: The SUV has a decent sound system as it comes with a 6-speaker setup in the premium versions.
• HUD (heads-up display): This particular feature helps drivers by showing them main driving information without taking their eyes off the road.
• Cruise control: The feature comes in higher trims, enhancing the highway driving comfort.
• Infotainment screen: Brezza has a 9-inch touchscreen (SmartPlay Pro and system) in various trims.

How the 2025 Brezza compares with competitors

Before you purchase the vehicle, it’s important to check how this SUV stacks up against its rivals in the compact-SUV category:

Conclusion

The Maruti Brezza stands out as a thoughtful upgrade for a popular compact SUV. It brings in improved safety features, refined engine lineup and modern-day connectivity. The SUV also comes with many variants, making it perfect for various kinds of vehicle buyers. While it competes greatly with other compact SUVs, Maruti’s service network, familiar engine and low running expenses provide it a compelling edge. Individuals who are looking for a well-equipped, efficient and reliable SV, the Brezza 2025 might be a smart choice.

Furthermore, while you make plans to buy this vehicle, make sure to obtain a third-party car insurance plan for the SUV. It is required by law so that you can drive legally. To get customised advice on vehicle insurance, please fill out the form available on this page.

FAQs

1. Is the Maruti Brezza a good choice for long highway drives?

Yes. The Brezza provides a stable drive and good mileage on long journeys. However, due to its softer performance and 1.5L engine, it might feel less powerful during quick overtakes compared to some turbocharged rivals. 

2. Is the Brezza Urbano edition available in 2025?

No. The Brezza Urbano edition, which is the previous edition, is not available in the 2025 model year. This was a specific package provided back in 2024, and there is no direct replacement listed under the 2025 model year as of yet. Future editions might be announced.

3. What is the difference between Brezza VXi and LXi?

The main difference between these two variants is that VXi provides upgraded convenience features, such as a height-adjustable driver’s seat, automatic weather control and a 7-inch touch screen. The LXi variant, on the other hand, is a much more entry-level and basic model with a manual air conditioning feature. 

4. Which Brezza variant stands out as the best option?

The ZXi variant can be a preferred choice because it provides a balance of value for money and features. If you prioritise fuel efficiency with long-term savings, the Zxi CNG might be a good choice. If the budget is your primary concern, the LXi might be a good starting point.

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

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The MG M9 is viewed as a carnival-sized premium electric MPV that also goes by the name Maxus Mifa 9 in global markets. The vehicle features a 3-row seating configuration and a van-like design, with the capacity to accommodate up to 7 passengers.

This vehicle aims to combine style, comfort and technological innovation together. It could appeal to vehicle buyers who are looking for eco-friendly and high-end cars that do not compromise on luxury. This blog offers detailed information on MG M9, its price, features and specifications.

MG M9 price in India

The ex-showroom MG M9 price in India is ₹69.90 Lakhs. The on-road price of these vehicles in many Indian cities has been estimated to be around ₹73.47 Lakhs. The vehicle is sold through the MG Select dealerships and not via the regular MG showrooms.

MG M9 features

At present, the MG M9 is offered in a single fully loaded Presidential Limo variant with no lower-spec trims. It comes in three shades: concrete grey, metal black and pearl lustre white. Here are the key MG M9 features:

1. Exterior design

The MG M9 measures 5,200 mm in length, 2,000 mm in width and 1,800 mm in height, with a 3,200 mm wheelbase. It features split LED headlamps with a DRL strip, 19-inch alloy wheels with Continental self-healing tyres and electrically sliding rear doors. The rear section comes with connected and sharp LED tail-lamps that extend downwards and have a spoiler with chrome lining and a stop lamp on the bumper.

2. Interior design

On the inside, the vehicle has suede upholstery and brown leather across its 3-row layout. MG M9 also comes with a 2-spoke steering wheel, a 7-inch digital driver’s display and a 12.23-inch infotainment system. The vehicle also has an intelligent armrest control panel, a yacht-style sunroof, 64-colour ambient lighting and a premium 13-speaker sound system.

3. Storage space

The vehicle’s boot space is 945 litres, which can be expanded further. It also has a 55-litre front trunk that adds extra storage.

4. Technology and safety

The vehicle is constructed with ultra-high-strength steel for structural rigidity. It also features 7 airbags for proper occupant protection. The Level 2 ADAS (Advanced Driver Assistance Systems) are also included in the digital monitoring system. MG has also claimed 5-star safety ratings in ANCAP and Euro NCAP tests.

MG M9 engine, performance & specifications

The MG M9 uses a 90 kWh NMC battery paired with a front-mounted motor that produces 245 hp and 350 Nm. It delivers a claimed 548 km range (MIDC), based on internal testing.

Charging from 30% to 80% takes about 30 minutes with a 160 kW DC charger, while a full charge on an 11 kW AC unit takes roughly 10 hours.

It ships with a 3.3 kW portable charger and an 11 kW wall box. The M9 offers Sport, Eco and Normal drive modes, along with a lifetime battery warranty for the first owner and a 3-year/unlimited km vehicle warranty.

Pros and cons of the MG M9

The MG M9 also comes with many drawbacks and benefits, which are mentioned below:

Pros

• It has a long driving range (548km), making it useful for long trips.
• Offers luxury-level comfort, such as ventilated seats, ambient lighting and a dual sunroof.
• Provide rapid charging, with the DC charging being pretty fast.
• Offers a lifetime warranty on the high-voltage battery.

Cons:

• It’s very expensive and might not be affordable for average buyers.
• Has only one variant. There is no more basic or cheaper model available for consumers with tightened budgets.
• The charging infrastructure might still be a limitation for some users, depending heavily on their city.
• The long AC charging time (around 10 hours) might be inconvenient for day-to-day usage if only the home charging option is used.

Conclusion

The MG M9 marks a strong entry into India’s electric MPV space, offering premium features, ample space and a practical range. Along with the right vehicle, consider opting for a four-wheeler insurance policy. It’s important to have the required third-party car insurance, and opting for a comprehensive plan provides wider protection against accidents, theft and damage.

FAQs

1. What are the vehicle’s safety features?

The M9 comes with Level 2 ADAS, a strong body built from high-strength steel, a driver monitoring system, and 7 airbags. It also has a tyre pressure monitoring system (TPMS) and an electronic stability program (ESP).

2. What is the difference between the MG M9 and the Toyota Vellfire?

The primary difference between these two vehicles is that the M9 is completely electric and comes with a low price point. The Toyota Vellfire, on the other hand, is a hybrid luxury MPV that is costlier.

3. What is the mileage of the MG M9?

The vehicle has an ARAI-claimed mileage of 548 km for every full charge. This range is based on a single 90 kWh battery pack and an electric motor with a front-wheel drive configuration.

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

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Every car owner visits a petrol pump regularly. To keep everyone safe and avoid crashes, following the right safety steps at petrol pumps is important. Let's look at some of the important rules of petrol pumps that everyone should follow.

List of rules to follow at petrol pump

Here is the list of important petrol pump safety rules to keep in mind:

1. Switch off your engine

The basic rule is to turn off your car's engine before refuelling. Modern vehicles contain numerous electrical components that can create sparks. These sparks, mixed with fuel fumes, could lead to dangerous conditions. Additionally, turning off your vehicle while you refuel can help you avoid using too much fuel.

2. No smoking or open flames

It may seem obvious, but it's important enough to reiterate: never smoke at a petrol pump. The combination of fuel fumes and any open flame can be extremely dangerous, so most gas stations have clear 'No Smoking' signs.

3. Keep mobile phones away

Cell phones can be dangerous at gas stations, but rarely, especially if they're too hot. Moreover, using phones during filling can be distracting, making you less aware of your surroundings. It's best to keep your phone inside the car or your bag during refuelling.

4. Avoid overfilling

Overfilling can lead to fuel spills, which can cause safety risks and environmental issues. Spilt fuel can also slippery the ground and release dangerous fumes into the air.

5. Stay alert

Petrol pumps are busy places with steady car traffic. Be aware of your surroundings, watch for fuel leaks, and observe odd smells or situations. Being aware can help avoid crashes and ensure everyone's safety.

Conclusion

Everyone must ensure safety at gas pumps. While these petrol pump rules seem basic, following them can prevent major crashes. While following safety rules is crucial, having proper insurance coverage for your car is equally important. A comprehensive car insurance policy can protect you financially in an accident, theft, or natural disaster. Additionally, ensure you have third-party car insurance, which is a legal mandate in India and covers losses to other vehicles or property.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Many four-wheeler enthusiasts find the idea of squeezing a bit more power out of a regular vehicle quite tempting. One way you can get that immediate burst of speed is by using NOS (nitrous oxide). Legally, the use of NOS is prohibited on public roads, but it can be used in a racetrack, with certain regulations varying by location.

This blog explains what NOS is for vehicles, how it can boost engine performance, the benefits of using it, the risks and the importance of third party insurance.

What is NOS in cars?

NOS refers to the system that injects nitrous oxide into the vehicle’s engine air intake. Technically, nitrous oxide is a gas (N2O) that, under pressure, is stored in the form of a liquid in a NOS bottle. When it is released into the intake, it increases the oxygen content available for combustion. The nitrous systems for cars enable the extra oxygen to burn more fuel, which can yield a boost of power in a short time. This setup is often aftermarket, which means it's not originally fitted by the vehicle manufacturer.

How NOS boosts engine performance

In NOS cars, the nitrous oxide enters the intake manifold, where it decomposes because of the oxygen and heat. More oxygen makes the engine inject more fuel and burn a richer air-fuel mixture. This rich blend combusts powerfully, generating a surge in the torque and horsepower for a brief moment.

Furthermore, since the nitrous starts as a liquid under pressure, when it vaporises, it cools the intake charge. The denser and cooler air-fuel mixture can enhance the combustion efficacy and give a boost to the performance.

Benefits of using NOS in cars

Using the NOS in cars can offer these advantages when you are looking for occasional bursts of power:

1. Instant boost of power

NOS offers a near-instant increase in the vehicle’s power once it's activated, unlike the superchargers or turbochargers, which need time to build a power boost.

2. Relatively inexpensive

When compared to adding forced induction systems or primary engine modifications, the NOS might provide an affordable way to obtain additional performance, particularly when used periodically.

3. Reversibility and flexibility

Since the nitrous oxide system in cars is an add-on rather than an engine redesign, it can be easily disabled or removed, potentially restoring the vehicle to its original condition.

4. Perfect for certain uses

For occasional races, drag racing or situations that need instant bursts (such as overtaking), NOS can offer an edge without constant power changes.

Risks and drawbacks of NOS

Apart from offering many advantages, NOS also comes with several drawbacks. It’s essential to have a proper idea of what you are risking before using or installing it:

• Potential damage and engine stress: NOS increases heat and pressure, which can break or strain engine parts when the engine is not strong enough.
• Requires proper tuning: NOS needs an adequate fuel supply, strong engine internals and ignition timing. Poor tuning can lead to sudden failure or overheating.
• Temporary power only: The power boost might last till the nitrous is available. Once the bottle empties, the performance returns to normal.
• Higher supervision costs: NOS use leads to periodic refills, possible replacement of stress components and more engine inspections.
• Safety risks: The NOS bottles store high-pressure gas. So poor installation, damaged lines or leaks might lead to dangerous situations.

Legal aspects of using NOS in India

In India, altering a vehicle’s engine performance or capacity without permission can be problematic under the regulations set by the Regional Transport Office (RTO). Installing a NOS kit may be viewed as an unauthorised modification, particularly if it increases the engine's performance or impacts the emission output. This is because the emission standards (especially the ones tied to the Bharat Stage emission standards) are strictly enforced. Any changes made to the vehicle that risk increasing emissions might lead to legal issues.

This might mean that a car with the NOS kit used on public roads could be considered illegally modified. It can lead to complications or penalties during inspections.

NOS effect on car insurance

Car insurance policies are issued based on the vehicle’s specifications as declared to the insurer at the time of purchase. Installing a nitrous oxide system is considered a major performance modification. If such a modification is made without informing the insurance company when purchasing car insurance online, it can lead to policy complications or even rejection of claims.

Most insurers treat unauthorised or undeclared modifications as a breach of policy terms. If an accident, engine failure or any damage occurs and is linked directly or indirectly to the use of an NOS kit, the insurer may deny the claim.

Safer alternatives to NOS for performance tuning

Since using a NOS gas car raises many legal issues and risks, many individuals look for alternatives that enhance performance and are much safer. Here are some of the alternatives you may opt for:

1. ECU tuning/engine remapping

Adjusting ECU settings can help the engine function more efficiently and also offer a safer and smoother power gain without any heavy modification.

2. Periodic upkeep and good fuel

Keeping the vehicle’s engine in better condition and using top-quality fuel can improve performance naturally and also avoid unnecessary damage or stress.

3. Supercharging/turbocharging

These systems can compress air into the car’s engine for much stronger and steadier power. This makes them more controlled than the NOS bursts.

Conclusion

Using NOS provides a short-term boost in power by increasing oxygen and fuel combustion, improving torque and horsepower, but it also raises engine stress, safety risks, and the chance of mechanical failure.

Remember, third-party insurance is mandatory and covers damage to another person’s vehicle, property or injury caused by your car.

FAQs

1. Can NOS be used daily in a regular vehicle?

NOS is not ideal for daily use, as it puts extra stress on the engine and may not comply with road-use regulations.

2. Is NOS legal in India?

NOS use on public roads is generally restricted. Legality depends on local RTO rules and approvals, so you should verify with your regional RTO.

3. Does NOS damage engines?

NOS can damage an engine if it is poorly installed, improperly tuned or used beyond safe limits.

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

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Fuel Supply System in Petrol Engines

VinFast, a Vietnamese electric vehicle manufacturer, has recently entered the Indian market. With the launch of its first two electric SUVs, the company promises a modern-day driving experience with good after-sales support, stylish design and long electric range.

For individuals looking to switch to electric vehicles, VinFast can be an interesting choice that balances both value and performance. This blog offers insights on VinFast cars, their price range, specifications and features.

VinFast car prices in India

Here is a breakdown of the current VinFast EV car prices in India based on the variants:

VinFast cars specifications

While the VinFast electric car prices for both models are reasonable, reviewing their specifications will give you a clearer picture of their value. Here is what you should know:

1. VF6

• Battery:6 kWh
• Motor: Single front motor
• Torque or power: 310 Nm/250 Nm; 204 PS/177 PS
• Range: 463km/468km (depending on the variant)
• Charging: 10% to 70% in about 25 minutes on a DC charger.
• Dimensions: Length is 4241mm, width is 1834mm and height is 1580mm.
• 0 to 100 km per hour (Wind variant):9 seconds
• ADAS (Advanced Driver Assistance System)/Safety: 360-degree camera, level 2 ADAS and 7 airbags (it can differ by variant)

2. VF7

• Battery options:8 kWh and 59.6 kWh
• Drivetrain: AWD (dual-motor) or FWD (single motor)
• Torque/power: FWD (59.6) offers 130 kWh and 250 Nm; FWD (70.8) offers 150 kWh and 310 Nm; AWD offers 260 kW and 500 Nm.
• Range: 532 km (70.8 kWh FWD), 510 km (70.8 kWh AWD) and 438 km (base 59.6 kWh).
• 0 to 100 km/h: For Wind FWD is 9.5 seconds and Sky AWD is 5.8 seconds
• Charging: Offers quick charging from 10% to 70% in 24 to 28 minutes (depending on the variant or battery).
• Dimensions: Length is 4550mm, ground clearance is 190mm and wheelbase is 2840mm.
• Features and safety: TPMS (Tyre Pressure Monitoring System), ESC (Electronic Stability Control), ADAS Level 2, 360-degree camera, 7 airbags and hill-start assist.

Pros and cons of VinFast cars

Below are some advantages and disadvantages of the VinFast vehicles that you should know about:

Pros

• It has a local manufacturing plant in Tamil Nadu that might ease support or service.
• Provides ownership benefits like free charging until July 2028, warranty (10 years) and long battery.
• Comes with premium features and modern-day design.
• Offers strong performance.

Cons

• The DC charging rate is good, but the AC option is moderate.
• It has a high initial cost. Even the VF6 can be a bit costly for many buyers.
• The VinFast service or dealer network is still new in the country.
• Since the brand is new in India, resale values are lower than those of established carmakers.

Insurance insights for VinFast electric cars

Many insurers now offer EV-specific car insurance policies that cover your vehicle and its accessories against fire, natural disasters, theft, riots, accidents and damage during transit by road, rail, water or air. However, electric vehicles come with high-value battery packs, which can make premiums higher than those for small petrol cars.

An EV insurance policy also comes with a range of add-on covers such as zero depreciation, roadside assistance and tyre protection, giving you an added layer of security beyond the base policy. You can choose the ones that match your specific needs by paying a small additional premium.

Conclusion

VinFast’s entry into the nation with its VF6 and VF models stands out as a promising move. These EVs provide long driving ranges, powerful performance and modern-day design, particularly with options like AWD on the VF7 model. For people who prefer an EV, VinFast might be a good option.

Furthermore, when getting an EV, make sure to opt for third-party or comprehensive car insurance, as it can help protect you from unexpected expenses.

FAQs

1. What is the booking amount for the VinFast models?

The booking amount for the VinFast models is ₹21,000.

2. What is the battery warranty for VinFast’s VF7 model?

The mode comes with a 10-year/ 2,00,000 km battery and vehicle warranty (for some variants).

3. How fast can I charge the VinFast models?

VF6 charges from 10% to 70% in about 25 minutes, and VF7 charges 10% to 70% and takes 24 to 28 minutes.

4. What is the actual driving range for these vehicles?

VF6 offers a driving range of 468 km (Earth variant) or 463 km (Wind variant), and VF7 provides 438 km and 532 km, depending on the motor and battery.

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

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