Losing your vehicle’s Registration Certificate (RC) can be inconvenient, but it does not mean you have to start the registration process again. The Motor Vehicles Act and Central Motor Vehicle Rules provide a specific process for obtaining a duplicate RC. You can apply through the VAHAN portal where the service is available, or approach the concerned registering authority.

Lost Your RC Book? Don’t Panic, Here’s What You Should Do Next

If you have misplaced or lost your RC, notify the police station that covers the location where it was lost. Also, inform the registering authority that issued the RC. Rule 53 of the Central Motor Vehicle Rules, 1989 specifically requires the owner to report the loss or destruction to the police and intimate the registering authority.

What is a Duplicate RC Book

A duplicate RC is issued by the registering authority when the original Registration Certificate is lost, damaged, destroyed or cannot be used anymore. It serves as a replacement for the original document, while the vehicle keeps the same registration number and other existing registration details.

When and Why Would You Require a Duplicate RC

You need one in these situations:

• The original RC is lost or stolen
• The card is torn, faded, or the chip is damaged beyond reading

How to Apply for a Duplicate RC Online

If you are wondering how to apply for an RC book if lost, visit the Parivahan website and open the Vahan services page.

• Select ‘Vehicle Registration’ from the pop-up at the bottom left. Enter the vehicle registration number, then select the registered state and local RTO.
• Accept the ‘Terms and Conditions’ and click ‘Proceed’.
• On the next pop-up, click ‘Proceed’ to view the available online vehicle services.
• The Vahan Citizen Services page will open.
• Select ‘Basic Services’ at the top left. Choose ‘RC Related Services’ from the drop-down menu.
• Select ‘Apply for Duplicate RC’.
• The application form will open with the registration number pre-filled. Enter the last five digits of the chassis number and click ‘Verify Details’.
• The last four digits of the registered mobile number will be displayed. Click ‘Generate OTP’ to receive a one-time password on that number.
• Enter the OTP and click ‘Submit’. Select the reason for requesting the duplicate RC.
• If the RC was lost or stolen, enter the relevant FIR details. A police complaint should be filed before starting the online application in such cases.
• The applicable duplicate RC fee will be displayed on the same page. Proceed to the payment gateway and complete the payment.
• After payment, download or print Form 26 and the payment receipt.
• Upload the required documents. Once you submit all documents, the application is forwarded to the concerned RTO for processing.

How to Apply New RC Offline

If you are searching for how to get an RC book if lost, then simply visit the RTO office and submit Form 26 to the last registering authority. Carry the required supporting documents and the police report/certificate relating to the loss. Pay the applicable fee and complete any verification required by the registering authority.

Documents Required for Duplicate RC Online & Offline

Keep the following documents handy before applying for a duplicate RC:

• Form 26
• Police certificate/report in case of loss or theft
• Valid Pollution Under Control (PUC) certificate
• Valid insurance certificate
• Proof of address, where required
• PAN card or Form 60/61, where applicable
• Chassis and engine number pencil print, where required
• Owner's signature identification
• Affidavit stating that the RC was lost and has not been impounded

How to Check the Status of Your RC Application

Go back to the Parivahan Sewa portal and open the application status section. Enter your application number or vehicle registration number to see the current stage.

Conclusion

A lost RC does not require you to re-register the vehicle. Report the loss, inform the registering authority and apply for a duplicate RC through Form 26. Where available, VAHAN lets you start the process online, including document upload and fee payment. Keeping the duplicate RC handy can also make car insurance and other vehicle-related processes easier.

FAQs

1. Is filing an FIR mandatory?

Yes, for a lost or stolen RC. RTOs will not process the duplicate application without a valid FIR.

2. Can I drive without a physical RC while applying for a duplicate?

MoRTH has directed that RC information presented electronically through DigiLocker or mParivahan is legally recognised.

3. How long does it take to get a duplicate RC?

Processing time depends on the registering authority, State/UT procedures, document verification, whether an office visit is required, and whether the application has any pending issues.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

When you are comparing different versions of a car, small changes between model years can affect what you get for your money. Two cars may share the same name, platform and basic engine, yet differ in features, styling, safety equipment and even driving technology. These differences matter when you are buying a new car, considering a used vehicle or deciding between two versions available at different prices. Looking beyond the exterior can help you understand whether the newer version offers meaningful improvements or simply a fresher appearance.

What Is a Facelift Car?

A facelift car is an updated version of an existing model sold during the same generation. Manufacturers may revise:

• Front and rear styling, including lamps, bumpers and grilles.
• Cabin features, displays or equipment.
• Safety equipment or other vehicle specifications.
• Engine, transmission or other mechanical components in some updates.

A facelift does not automatically mean that the car has moved to a new generation. The exact changes depend on the manufacturer and variant.

What Is a Non-Facelift Car?

A non-facelift car is the version sold before the manufacturer introduced those mid-generation updates. It can therefore have the earlier exterior design, equipment list and specification.

If you are buying a used car, do not identify the version only by its appearance. Check the registration and vehicle details against the actual car and documents. VAHAN provides vehicle-related services, including access to registration particulars.

Facelift Car vs a Non-Facelift Car

If you are wondering what is the difference between facelift and new cars, here is a quick insight:

For you, the important point is to compare the exact variants, rather than assuming every facelift is substantially different.

Why Car Insurance Is Important Regardless of Your Car Model?

A car insurance policy is important regardless of the model you drive because accidents, theft, natural calamities and third-party claims can happen to any vehicle. In India, third-party car insurance is mandatory before you drive a car on public roads. A comprehensive car insurance policy can also cover damage to your own car from accidents, theft, fire and certain natural or man-made events, depending on the policy terms. The right cover can therefore protect you from unexpected repair costs and legal liabilities. Whether you own a hatchback, sedan or SUV, compare coverage, exclusions, deductibles and add-ons before choosing a policy that suits your car and usage.

Conclusion

When comparing facelift cars vs non-facelift cars, choose the facelift when added equipment, updated safety features, or newer specifications justify the extra cost. A non-facelift car can be sensible when you get a well-maintained example at a substantially lower cost. Before buying either, verify the exact variant, registration details, insurance status and any recorded vehicle alterations.

FAQs

1. Should I buy a facelift or a non-facelift model?

Compare the exact variants and prices. If the facelift adds equipment or safety features you value, it can justify paying more. Otherwise, a well-maintained non-facelift example may offer better value.

2. Does a facelift improve performance?

Not necessarily. A facelift can retain the existing engine and transmission, while some updates may introduce mechanical changes. Check the specific engine, transmission and output of the variant you are considering rather than assuming the facelift is mechanically newer.

3. Does a facelift affect a car's ground clearance?

Usually, a facelift does not change ground clearance simply because the exterior has been redesigned. However, a manufacturer can alter suspension, wheels, tyres or other mechanical components as part of the update. Check the official specifications of both versions.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The worst time to learn what “deductible” means is when you are already filing a claim. Or to find out your IDV was set too low right when your car has been written off. Most motor insurance confusion does not happen at the time of purchase. It happens after, when the terms you glossed over start having real consequences.

The good news is that none of this motor insurance terminology is actually complicated once someone explains it without the jargon. So here is that explanation before you ever need it.

Common Motor Insurance Terms You Should Know

Whether you are looking at your first policy or renewing an old one, these are some of the important motor insurance terms:

Premium

The amount you pay to keep your policy active, calculated based on factors such as your vehicle type, age, engine capacity, location, and the coverage you choose.

Insured Declared Value (IDV)

Your vehicle’s current market value as determined by the insurer, and the maximum amount you would receive in case of theft or total loss.

Third-Party Liability Coverage

Mandatory by law in India, this covers damages you cause to third party another person, their vehicle, or their property. It does not cover your own vehicle.

Comprehensive Coverage

Covers both third-party liabilities and your own vehicle’s damages from accidents, theft, fire, or natural calamities.

No Claim Bonus (NCB)

A discount on your premium that builds every year you do not make a claim. It stays with you, so it follows you when you switch insurers or buy a new car.

Deductible

The portion of a claim you cover before the insurer pays the rest. Opting for a higher voluntary deductible brings your premium down but means more out of your pocket when you do claim.

Depreciation

Depreciation in motor insurance is the steady drop in the value of your vehicle over time due to wear and tear and other such factors , and your claim payout reflects that. When a part is replaced, you receive its depreciated value.

Terms Related to Coverage and Claims

Here are a few more terms in motor insurance, except these are related to coverage and claims:

Cashless Claims

When you repair your vehicle at a garage within your insurer’s network, the insurer settles the bill directly. No upfront payment, no paperwork chase, except your deductibles.

Reimbursement Claims

If repairs happen outside network garages, you pay first and apply for reimbursement later. The insurer reimburses the approved amount (subject to policy terms and conditions), minus any deductibles or depreciation.

Own Damage (OD) Cover

Covers your vehicle for own damages only and doesn’t cover third party liability.. It comes built into comprehensive policies but can also be bought separately.

Add-Ons

Add ons are coverage available at an additional premium which covers what your base policy does not. Zero Depreciation, Roadside Assistance, Engine Protection, and Consumables Cover are common picks, each plugging a different gap in your standard cover.

Tips to Understand Your Motor Insurance Policy Better

Decoding your policy does not have to be a weekend project. Read the policy document when you receive it. Pay attention to the exclusions section specifically. Check whether your preferred garage is in the insurer’s cashless network before an emergency, and track your NCB to make sure it transfers at renewal.

Conclusion

It is important to know Motor insurance terms so that you can decipher your policy terms

Comparing options for a suitable car insurance gets a lot easier when you know what to look for. And now you do.

FAQs

1. Do all add-ons increase the insurance premium?

Yes, add-ons since add ons are available at an additional premium they generally increase the premium because they provide additional coverage beyond the standard policy.

2. How do I choose the right add-ons for my vehicle?

This depends on the coverage you are looking for. Consider factors such as your vehicle’s age, location, usage patterns, and budget when selecting add-ons.

3. Can I remove add-ons during renewal?

Yes, you can usually review your coverage needs and remove add-ons that you no longer require at renewal.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Every time your car ages, its parts lose value on paper. That is depreciation. And when you make a claim under a standard policy, your insurer factors that in before paying out. Zero-depreciation cover available at an additional premium helps waive that deduction, thereby maximizing your claim payout.

How useful it is, though, depends on a variety of factors one of which is your car’s age. The conversation around zero-depreciation cover exists for a reason, and that reason is why the math looks very different depending on the age of your vehicle.

Zero Depreciation Coverage for New Vehicles

A new car is a significant investment, and the last thing you want after an accident is a claim settlement that does not fully cover the repair. That is the gap zero dep closes.

With a standard policy, your insurer deducts depreciation before claim pay out. Zero dep removes that calculation, so you get the full replacement cost of parts without topping it up from your own pocket.

If you are wondering whether to buy zero dep insurance for a new car, think about it this way: with a standard policy, depreciation is deducted when parts are repaired or replaced. This means you may have to pay a portion of the cost out of pocket. With zero dep, this deduction doesn’t apply, so your expenses stay lower.

Since a new car holds its highest value in the initial years and parts are more expensive, choosing zero dep early on can help you protect that value more effectively.

Zero Depreciation Car Insurance Cover

Older cars have depreciated significantly, so the gap between market value and part replacement cost is wider.

Zero Depreciation Coverage for Old Vehicles

For cars older than five years, the decision requires more thought. Your car has already depreciated significantly, so the stakes are different. But that does not automatically make it a bad idea.

Even on an older car, part replacement costs can still be substantial. If you drive frequently and often pick up minor damage, zero dep can still save you money on settlements over time. The premium for older vehicles is generally lower too.

If you are wondering whether you should buy zero dep insurance for an old car, think about how you use the vehicle. If your car is driven regularly, exposed to city traffic, or has a higher chance of part‑replacement costs, zero dep can offer value by reducing out‑of‑pocket expenses during accidental repairs.

Comparative Analysis: New vs Old Vehicles

Here is a quick look at the key factors to help make the decision a little clearer:

• Availability: Zero dep is widely available for cars.
• Premium cost: Generally higher for new cars due to their higher value and repair costs.
• Value of coverage: Strongest in the first few years.
• Claim benefit: For new cars, you get close to the full part replacement value. For older cars, the benefit may get impacted due to decrease in IDV.

Conclusion

Zero depreciation in car insurance is not a one-size-fits-all decision, it is one of the smarter add-ons you can opt for based on your coverage needs, usage and requirement.

If you are looking for a suitable car insurance for your situation, zero dep is just one piece of the puzzle. Factor in overall coverage, garage network before making a final call, etc.

FAQs

1. Why is it recommended for your car?

Replacement of parts can be expensive. Zero dep cover helps reduce out-of-pocket repair costs after a claim.

2. Can I get zero dep for a car over 5 years old?

Yes, insurers may offer it for older cars also, you may check in with the respective insurer.

3. Does zero dep cover all claim expenses?

The evaluation of the claim depends on exclusions, deductibles, and policy conditions may still apply.

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

A driving licence is an important document that motorists must carry while driving. The Government of India provides digital access to driving licence details through the mParivahan app. Users can create and access a virtual version of their Driving Licence (DL) on their mobile phone, making it easier to present the document when required.

What mParivahan App? 

mParivahan is the official mobile app operated by the Ministry of Road Transport and Highways (MoRTH) through the National Informatics Centre (NIC). It is available for free on both Android and iOS devices. In the app, you can view your DL details, check clets information, verify Registration Certificate (RC) details, and check vehicle insurance status.

Steps to Download Driving Licence Via mParivahan App

If you are wondering how to download DL from Parivahan, follow the steps mentioned below:

• Search "mParivahan" on Google Play or the App Store and install the official app published by NIC.
• Open the app and choose Get Started. Enter your mobile number and the OTP you receive to continue.
• Choose an MPIN to unlock the app each time you open it.
• Sign in to your account and go to the dashboard. Next, select the DL tab and enter your DL number and date of birth to proceed.
• Click on 'Add to Dashboard' to generate your virtual DL.

How To Access Your Digital Driving Licence

Now that you know how to download your driving licence from Parivahan, here is how you can view it:

• Open the app and enter your MPIN.
• Tap the DL card displayed on your dashboard.
• Your digital DL will show details such as your photograph, DL number, validity and vehicle class, along with a QR code.

What To Do If Your Driving Licence Is Not Visible

If your DL does not appear after you enter your details, try these steps in order:

• Check that your DL number and date of birth match the details on your physical licence exactly.
• If you recently renewed your licence, allow some time for the updated details to appear in the database, then try fetching the record again.
• If your DL was issued recently, the record may take time to appear in the Sarathi database after the RTO processes it. Try again later if the details are not available immediately.
• If your licence is an older record and does not appear online, contact the concerned RTO to check whether its details have been digitised and entered into the system.
• You can also check DigiLocker under “Issued Documents” to see whether your DL is available there.

Is A Digital Driving Licence Valid In India?

Yes. Digital DLs are legally valid in India when shown via DigiLocker or mParivahan. When a traffic officer scans the QR code, it connects live to the national database and instantly confirms your details.

Why Motor Insurance Is Important Even With A Valid Driving Licence?

A valid DL confirms that you are legally authorised to drive, but it does not meet the separate requirement for vehicle insurance In India, the Motor Vehicles Act, 1988 requires at least third-party car insurance for vehicles used on public roads. Insurance protects you from financial liability if your vehicle causes injury, death or property damage to a third party.

Depending on the policy, comprehensive or own-damage car insurance online cover can also help pay for damage to your vehicle due to accidents, theft, natural calamities and other covered events.

Conclusion

Before relying on your phone during a traffic check, add your licence to the app and confirm that the displayed details are correct. If the record is missing, check DigiLocker and follow up with your RTO where necessary. Also, check your vehicle’s insurance status regularly and renew the policy before expiry to avoid compliance issues and unexpected financial exposure.

FAQs

1. Can I use the digital licence during a traffic check?

Yes. You can show your DL stored in mParivahan or DigiLocker during a traffic check. Authorities can scan the QR code on the digital licence to verify your licence details.

2. How to download LL from Parivahan?

Yes. You can add your Learner’s Licence (LL) to the app by entering your LL number and date of birth. Once added, you can access it from your dashboard along with your other available documents.

3. Does mParivahan provide complete details of someone else’s driving licence?

No. Public access to another person's transport records is limited.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

You’ve got comprehensive car insurance. Great start. But a standard policy only covers the basics, like damage to your car and third-party liability. The moment something more specific happens, like your engine flooding or a tyre blowing out on a highway, you realise the base cover doesn’t stretch that far. That’s exactly what add-ons are for.

Add-ons are optional covers you can attach to your base car insurance policy for an additional premium. Each add-on helps provide additional coverage. So, basically, you can customise your policy to match your needs. Let’s take a closer look at the options.

Popular Add-Ons for Comprehensive Car Insurance

Here’s a look at the most commonly opted for comprehensive car insurance add-ons:

1. Zero Depreciation Cover

Every car part loses value over time due to depreciation. Without this add-on, your insurer pays only the depreciated value of a replaced part during a claim payout. With Zero Depreciation Cover, you receive the full cost of the part with no depreciation deduction applied.

2. Engine Protection Cover

Your base policy may not cover engine damage caused by water ingression or oil leakage, both of which are fairly common during heavy rains or monsoon flooding. Engine Protect Cover covers repair or replacement costs for internal engine and gearbox parts under these conditions.

3. Roadside Assistance (RSA)

When your car breaks down mid-journey, Roadside assistance connects you to help, whether it’s a tow truck, a technician, fuel delivery, or an emergency taxi arrangement. It is available 24/7 and saves you the scramble of finding help on your own in an unfamiliar area.

4. Consumables Cover

This add-on covers the cost of consumables such as engine oil, bolts and more, so you’re not paying out of pocket for minor repair-related expenses.

Benefits of Choosing Add-Ons in Comprehensive Car Insurance

The real value of add-ons for comprehensive car insurance shows up when things do not go as planned. A flat tyre during a long drive can also quickly turn into a stressful situation.

Another benefit is convenience. With covers like RSA, you are not stuck figuring things out alone. Someone comes to assist you in case of an emergency.

How to Choose the Right Add-Ons in Comprehensive Car Insurance

There is no one-size-fits-all list here. The right choice depends on how you use your car and where you usually drive it.

If you drive through heavy monsoons or waterlogged areas, engine protection becomes more relevant. If you take long drives or travel often, roadside assistance can feel less like an extra and more like a safety net.

Also, keep an eye on the premium increase. Add-ons do raise the cost slightly, but they also help mitigate financial risk in case of emergencies. It is all about balancing comfort with cost.

Conclusion

A comprehensive car insurance policy already gives you a solid base. But add-ons are what make it feel more personal to your needs. Rather than loading up on every available option, take a moment to map out what your car realistically needs. Your location, your car’s age, and your driving habits will guide you well. The right add-ons in comprehensive car insurance are the ones that close the gaps in your existing cover without stretching your budget.

FAQs

1. Is Zero Depreciation really worth the extra money?

It usually is if your car is new or frequently driven. You get a higher claim amount without worrying about depreciation cuts, which can make repairs feel less financially heavy.

2. Should I get Engine Protection if I don’t live in a flood zone?

This depends on your coverage needs. Unexpected water damage from heavy rain or road conditions can affect the engine, even outside flood-prone areas.

3. Why pay for Roadside Assistance (RSA) if I have a local mechanic?

RSA helps when you are stuck on the road and cannot reach a mechanic easily. It saves time and reduces stress during breakdowns, especially in unfamiliar places.

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

Getting your car driving licence in India is not just about booking a test and driving around an RTO track. You first need to meet the eligibility conditions, hold a valid learner’s licence for the required period and complete the application process. The driving test then checks specific skills, including vehicle control, signalling, reversing, turning, lane changes and responses to traffic situations.

Who Is Eligible to Take the Car Driving Licence Test?

For a private car, you must be at least 18 years old. The vehicle class normally used for a personal car application is Light Motor Vehicle as a Non-Transport Vehicle (LMV NTV).

You also cannot directly take the permanent licence test after applying for a learner’s licence. Your learner’s licence must have been held for at least 30 days. It remains valid for six months, giving you a window to complete the driving licence process.

Documents Required for the Driving Licence Test

The documents you need can vary depending on your application and circumstances. The prescribed list includes:

• Proof of age and address, such as Aadhaar, passport, electoral roll, birth certificate or school certificate.
• Form 1 self-declaration of physical fitness, where applicable.
• Form 1A medical certificate, where specifically required.
• Your learner’s licence.
• Photograph, where required.

Step-by-Step Car Driving Licence Test Procedure

Here is the step guide to RTO car driving test:

1. Apply for the driving licence: Complete the application, upload or submit the required documents, pay the applicable fee and book a test slot where the service provides online slot booking.
2. Take the correct car: The competence test is conducted in a vehicle of the type covered by your application.
3. Complete the track and driving assessment: You may be assessed on much more than simply moving the car forward. The prescribed test covers:
   • Starting safely and using the controls correctly
   • Smooth gear changes and braking
   • Starting on an incline without rolling backwards
   • Correct left and right turns
   • Mirror use before signalling or manoeuvring
   • Lane changes and appropriate signalling
   • Controlled reversing into a limited opening
   • Turning the vehicle around using forward and reverse gears
   • Responding correctly to traffic signs and signals
   • Giving priority to pedestrians at relevant crossings
   • Maintaining the correct road position and adjusting speed to conditions
4. Complete the remaining formalities at the concerned office.

Car Driving Licence Test Fees

The prescribed central fee schedule lists:

• Learner’s licence issue: ₹150 per vehicle class
• Learner’s licence test: ₹50
• Learner’s licence repeat test: ₹50

Why Is Car Insurance Important After Getting Your Driving Licence?

Your driving licence authorises you to drive; it does not replace the documents required for the vehicle itself. A valid car insurance certificate is among the documents associated with vehicle registration and other vehicle-related processes. The prescribed road-safety material also identifies third-party car insurance as the required insurance cover for motor vehicles.

So, before you start driving your car regularly, check that its insurance is valid and that the vehicle documents are in order.

Conclusion

A successful car driving test depends on controlled driving rather than simply completing a track. Keep your learner’s licence valid, practise the specific manoeuvres assessed under the rules and check your documents before the appointment. Most importantly, treat mirrors, signals, positioning, reversing and pedestrian priority as part of the test and not optional extras.

FAQs

1. How can I book a car driving licence test?

Once you have held your learner’s licence for at least 30 days, you can apply for a driving licence and book an available test slot through the online licensing service for your location.

2. How long does the driving licence test take?

There is no fixed duration for the test across India. The time can vary depending on the test centre, queue, and the driving skills being assessed.

3. What are the common reasons for failing the test?

You may fail due to issues such as rolling backwards on an incline, poor signalling, incorrect lane positioning, unsafe reversing, inadequate mirror checks, incorrect responses to traffic signs or signals, or failing to give pedestrians priority.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Your car’s tyres are the only part of the vehicle in constant contact with the road, so they’re designed to withstand plenty of wear and tear. However, their durability can make it easy to assume that they don’t need much maintenance. But sturdy does not mean invulnerable. Neglecting car tyre maintenance could increase the risk of a sudden blowout or a skid on a wet road, potentially causing serious damage.

These basic car tyre maintenance tips can help reduce the risk of tyre-related accidents.

Correct Tyre Pressure Improves Handling and Prevents Blowouts

Tyre pressure affects almost everything about how your car behaves. Here is what can happen when tyre pressure is too low or too high:

• Under-inflated tyres: Flex more than they should and build up heat on long drives, which increases blowout risk. They also extend braking distances.
• Over-inflated tyres: They have a smaller contact patch with the road, making them more likely to skid on uneven surfaces. Steering will feel stiff and it’ll be hard to make sudden turns or stops.

Check your tyre pressure once a month. The recommended pressure will be stated in your owner's manual.

Adequate Tread Depth Prevents Skidding and Hydroplaning

Tread channels water away from the tyre, maintaining grip on wet roads. As it wears down, hydroplaning risk goes up, where the tyre rides on a film of water instead of gripping the surface. The legal minimum tread depth in India is 1.6mm.

Pro Tip: Insert a one-rupee coin into the tread groove. If you can see the head of the Ashoka figure, your tread is too low.

Regular Rotation and Alignment Ensure Predictable Control

Tyre wear can vary depending on where each tyre is positioned. On front-wheel-drive cars, front tyres typically wear faster than rear tyres. Rotate your tyres after 8,000 to 10,000 kilometres (or every 6 months) by changing their positions on the car. This helps distribute wear more evenly and can extend tyre life.

Avoiding Structural Damage Reduces Risk of Sudden Failure

Hitting potholes or kerbs can cause hidden damage inside your tyres. Even if you can’t see it, your tyres are gradually weakening. This increases the risk of a sudden blowout. Check your tyres regularly for:

• Bulges or lumps on the sidewall
• Cracks or cuts in the rubber
• Embedded objects like nails or glass

If you spot a bulge, replace the tyre immediately. Tread depth alone does not tell you whether a tyre is structurally sound.

Seasonal Tyre Choice Improves Safety in Different Conditions

India’s road conditions vary dramatically by region and season and you have to account for them. During the monsoon, waterlogged roads reduce tyre grip. To drive safely, you need good tread depth. In colder or high-altitude regions, slippery roads greatly affect driving and standard tyres may not be suited to these conditions.

For most urban Indian drivers, all-season tyres are a practical and reliable choice.

Tyre Neglect Is a Leading Cause of Road Accidents

India’s roads are notoriously difficult to navigate. In 2025, road accidents claimed 1.83 lakh lives.

Worn, improperly inflated or overloaded tyres can make sudden manoeuvres less safe and increase the risk of accidents. These incidents are not always unavoidable. Regular car tyre maintenance, including monthly pressure checks and periodic inspections, can help reduce this risk.

Fuel Efficiency and Stability Reduce Unexpected Hazards

Well-maintained tyres control rolling resistance. This means that you can benefit from:

• Increased fuel efficiency
• More predictable handling
• Less vibration and drift, especially during hasty manoeuvres

Conclusion

Tyre maintenance can be an easy task to add onto your existing maintenance schedule. Monthly pressure checks, regular tread inspections and periodic rotation and alignment visits cover most of what your tyres need.

You can also make this simpler by checking whether your car insurance covers tyre damage. Some policies offer a Tyre Protect Cover as an add-on, which can cover the cost of repairing or replacing damaged tyres. Always check your policy documents to see if this cover is included in your plan.

FAQs

1. How does tyre pressure affect accident risk?

Incorrect tyre pressure affects braking, steering and tyre stability. Under-inflated tyres can overheat and blow out, while over-inflated tyres have less road contact and can skid more easily. Maintain the manufacturer-recommended pressure to reduce both risks.

2. What happens if my tyres have low tread depth?

Low tread decreases the tyre's ability to channel water. This increases hydroplaning risk on wet roads. It also extends braking distances on both wet and dry surfaces.

3. How often should I check my tyre pressure?

Check your tyre pressure at least once a month and before any long drive. Make sure you check when the tyres are cold.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Your car goes through a lot on the road, and chances are you already account for much of the resulting maintenance. You fill the fuel on time and dutifully send in your car for service once a year.

There’s a bit more to it than that. Skipping checks or ignoring minor issues in the present can lead to expensive repairs in the future. Here are some car care mistakes you may be making.

Why Car Maintenance Matters

Your car is a machine and it needs its oiling, so to speak. Consistent upkeep means that it performs safely when you’re out on the often challenging roads of India.

Without a car maintenance schedule, you’re shortening your car’s lifespan. Neglect can also affect fuel efficiency and resale value.

Top Common Car Maintenance Mistakes Owners Make

The following are the most common car maintenance issues that owners make:

1. Skipping Oil Changes: Engine oil lubricates moving parts and prevents overheating. Old, degraded oil loses viscosity and stops doing its job effectively, leading to increased engine wear. Most manufacturers advise an oil change every 5,000 to 11,000 kilometres (this depends on oil type and driving conditions).
2. Ignoring the Check Engine Light: Many drivers put off getting the check engine light checked out because the car feels fine. In some cases it flags a minor issue; in others it signals something that can escalate quickly if left alone. Get it scanned at a service centre as soon as it comes on.
3. Neglecting Tyre Pressure and Tread: Under-inflated tyres wear unevenly, which reduces fuel efficiency and increases braking distance. A worn tread reduces grip on wet roads and raises the risk of hydroplaning.
   • Check pressure once a month and before a long drive
   • Inspect tread depth regularly. Replace your tyre before it reaches the 1.6mm legal minimum.
   • Do not forget to check the spare tyre’s pressure
4. Delaying Brake Inspections: Squealing, grinding, or a soft brake pedal are all signs that brakes need attention. Brake pads should be inspected at every service , and any unusual sound or feel should be investigated immediately.
5. Not Replacing Air and Cabin Filters: A dirty or clogged cabin filter affects air quality inside the car and puts strain on the air conditioning system.
6. Skipping Coolant and Fluid Checks:  Low coolant may cause engine overheating, particularly during Indian summers. Owners should check and top off the following fluids in the car regularly:
   • brake fluid
   • power steering fluid
   • windshield washer fluid
7. Ignoring Unusual Noises or Vibrations Rattles, knocks, pulling to one side, and steering vibrations are the car’s way of flagging that something is off. These are often early signs of alignment issues or worn suspension components.

How These Mistakes Affect Total Ownership Cost

The next time you find yourself putting off even a small issue with your car, think about what you’re risking: your safety on the road.

By getting to it now, you’re also saving heavily on maintenance. Skipping a routine oil change that costs a few hundred rupees may eventually lead to engine damage costing lakhs to repair. Tyre neglect can hamper your driving experience or even cause a blowout while driving.

Conclusion

Most car maintenance mistakes result from a lack of a monthly schedule. Set reminders for tyre and fluid checks, and act immediately on any warning signs.

As part of protecting your car, review your car insurance policy to verify what it covers in case of an accident or mechanical failure. Always check your policy document carefully.

FAQs

1. What is the most common car maintenance mistake owners make?

The most common car maintenance mistake owners make is skipping or delaying oil changes. Engine oil slowly degrades and loses its ability to lubricate engine components. Without top-offs, wear is accelerated and the engine can suffer potentially serious damage.

2. How often should I check my tyre pressure?

You should verify your tyre pressure at least once a month and before any long journey. Check when the tyres are cold, as heat from driving can give a misleading reading. The recommended pressure for your car is listed in the owner’s manual or on a sticker on the driver’s side door.

3. Is it safe to ignore the Check Engine light if the car seems fine?

No. The Check Engine light can indicate minor or serious issues, even if they aren’t apparent. Diagnose the cause of the light at a service centre as soon as possible. Ignoring it risks missing an early warning that could prevent a more costly repair later.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

Why Can Cars Be Difficult To Start During Rainy Weather?

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

Common Reasons a Car Fails To Start In The Rain

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

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

Best Way To Cold Start a Car In Rainy Weather

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

Step 1: Turn off unnecessary electrical

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

Step 2: Turn on the ignition first

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

Step 3: Try to start the engine without repeated attempts

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

Step 4: Let the engine warm up before driving

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

Signs Your Car Needs Immediate Attention

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

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

Why Is Car Insurance Important?

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

Conclusion

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

FAQs

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

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

2. Can rain damage a car battery?

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

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

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

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

Understanding Van Categories for Indian Buyers

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

1. Budget Utility Vans

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

2. Commercial and Group Passenger Vans

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

3. Ultra-Luxury Vans and Minivans

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

Popular Van Models in India

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

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

How to Choose the Right Van?

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

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

Why Is Car Insurance Important for Van Owners?

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

Conclusion

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

FAQs

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

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

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

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

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

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

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

List Of Best 4x4 Cars In India

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

Key Features to Look for in a 4x4 Car

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

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

Things to Consider Before Buying a 4x4 Car

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

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

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

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

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

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

Conclusion

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

FAQs

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

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

2. Are 4x4 cars expensive to maintain?

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

3. Are 4x4 cars good for daily driving?

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

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

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

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

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

Common Mistakes to Avoid While Cleaning Your Windshield

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

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

Tips to Keep Your Windshield Clean for Longer

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

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

Why Car Insurance Matters for Every Vehicle Owner?

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

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

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

Conclusion

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

FAQs

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

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

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

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

3. What not to clean your windshield with?

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

Steps to Change a Flat Tyre

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

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

Things You Need Before Changing a Flat Tyre

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

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

Common Mistakes to Avoid While Changing a Tyre

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

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

Why Car Insurance with Roadside Assistance Can Be Helpful

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

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

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

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

Conclusion

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

FAQ's

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

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

2. When should I call roadside assistance?

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

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

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

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

What Is a Paint Thickness Meter?

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

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

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

Why Is a Paint Thickness Meter Used?

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

It can help you:

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

Types of Paint Thickness Meters

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

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

How to Use a Paint Thickness Meter?

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

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

Why Is Car Insurance Important for Vehicle Owners?

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

A comprehensive car insurance policy can provide financial protection against:

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

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

Conclusion

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

FAQ's

1. What is a good paint thickness reading?

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

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

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

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

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

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

Benefits of Roadside Assistance Cover for Car

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

1. Help Is Available When Your Car Stops Unexpectedly

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

2. Towing Support When Repairs Are Not Possible

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

3. Assistance for Common Issues

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

4. Peace of Mind During Long Drives

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

5. Saves You from Unexpected Expenses

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

Factors to Consider Before Opting for Roadside Assistance Cover

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

1. Service Area

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

2. Coverage Offered

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

3. Cost Versus Usage

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

4. Vehicle Age and Condition

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

Role of Car Insurance In Case Of Car Breakdown

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

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

Conclusion

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

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

FAQs

1. Is there a limit on towing distance?

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

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

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

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

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

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

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

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

A Closer Look at the Court’s Direction

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

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

Why This Matters: The Larger Context

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

Uninsured vehicles can lead to:

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

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

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

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

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

Key components the Court has asked authorities to explore include:

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

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

Technology at the Heart of Enforcement

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

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

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

Motor Insurance Framework for Better Clarity

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

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

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

What This Means for New Vehicle Owners

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

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

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

Impact on the Motor Insurance Industry

For insurers, this development encourages:

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

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

A Step Toward Safer Roads

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

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

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

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

What is Driver Safety Awareness? 

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

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

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

Human error drives the majority of road fatalities each year.

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

What are the Driving Habits That Make a Difference?

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

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

How Do Defensive Driving Techniques Help?

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

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

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

How Does Car Insurance Support Safer Driving?

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

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

Conclusion

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

 FAQs

1. Why is driver awareness important?

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

2. What are the basic rules for safe driving?

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

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

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

What Is an Auto EV Expo?

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

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

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

Popular EV Auto Shows in India

India hosts several events each year, including:

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

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

What to Expect at an EV Auto Show

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

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

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

Why You Should Visit an EV Expo

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

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

Conclusion

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

FAQs

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

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

2. When is the Auto Expo EV section held?

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

What Is Diesel Car Depreciation?

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

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

Factors Affecting Diesel Car Depreciation

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

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

Diesel Car Depreciation Rate in India

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

How to Reduce Diesel Car Depreciation?

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

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

How Depreciation Affects Car Insurance Claim Value

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

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

Conclusion

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

FAQs

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

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

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

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

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

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

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about risk factors, terms, conditions, and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.