Cars are more than just a means of transportation—they reflect our personality and style. So when a scratch appears, it can feel frustrating. Scratches not only affect your car’s appearance but can also reduce its resale value. If left untreated, they may make your vehicle less appealing to potential buyers.

The good news is that with the right skills, you can fix these scratches yourself. The key is to first identify the type of scratch. Car scratches fall into three main categories: clear coat, paint, and primer scratches, with primer scratches being the most severe.

List of various types of car scratches

The following are the types of car scratches.

1. Clear-coat scratches

A clear coat is the transparent, uppermost layer of the car's paint. It provides a glossy finish and protects the paint from physical damage, environmental pollutants and UV rays. Clear coat scratches often appear like swirl marks, whorls, or straight lines, resulting from wear and tear.

The most common causes include brushing the car's surface against a tree branch, rough object, or wall; using abrasive cleaning products or harsh chemicals; employing improper cleaning techniques and exposure to airborne contaminants.

How to fix clear-coat scratches:

Clean the area using water and a soft microfibre cloth to remove dirt and grime. Apply wax onto the surface to smooth out the scratches, and buff it gently.

2. Paint scratches

The paint layer lies under the clear coat layer. Scratches occur when your car comes into contact with another object, such as when it rubs against the surface of another car, a metal pole, or an abrasive surface like a wall.

If left unattended, paint scratches can lead to further damage by exposing the underlying clear coat to environmental elements.

How to fix paint scratches:

An expert can usually fix paint scratches. They rub the scratch with sandpaper to prepare the surface for painting. Once the painting is completed, it takes at least two days to dry. After painting, a clear coat is applied to add the finishing touches.

3. Paint transfer scratches

Paint transfer scratches can happen when your car brushes against another painted object. Unlike a paint scratch, which damages the car's paint, a paint transfer scratch only leaves paint from another object on its surface, making it easier to remove.

How to fix paint transfer scratches:

• To loosen the transferred paint, use a mild solvent like acetone. Apply a small amount of solvent to a soft towel and gently rub it over the scratched area.
• Once the transferred paint is removed, reapply the car's paint and apply a wax or sealant to the area. Let it dry for 1-2 days before applying the clear coat.
• Seek help from professional detailers if the paint transfer is difficult to remove. They have the right tools and expertise to safely remove the paint without destroying the underlying paint.

4. Primer scratches

Primer scratches are severe scratches that can compromise a car's integrity. They go beyond the paint layers, exposing the car's inner metal surface.

You should immediately treat primer scratches. If left unattended, moisture and other corrosive agents penetrate the paint and metal, attracting rust and making the car look worn out and neglected.

Primer scratches can be caused by significant impacts, such as car accidents, contact with sharp objects, and severe abrasions.

How to fix primer scratches?

First, fix any dent present, then rub sandpaper on the whole scratched area. Apply the primer evenly and let it dry. Next, apply fresh paint and leave it to dry, and finally, finish off using a clear coat. The repair period varies depending on the severity of the scratch and the extent of the affected area.

Note: Fixing the deep scratches requires skill and expertise, so it's best to have a professional handle the repair.

Conclusion

Promptly identifying and addressing car scratches is essential for preserving both the vehicle's appearance and long-term value. However, beyond regular maintenance, taking proactive steps to protect your car from unexpected damage is just as important. Investing in comprehensive car insurance ensures coverage for accidents, theft, and other unforeseen events, providing financial security and peace of mind every time you hit the road.

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

Are you on an exciting journey of buying a brand new car? It's a significant investment, right up there with purchasing a house. But unlike a house, a car is a depreciating asset. Buying a car goes beyond the desire for comfort and convenience. A car often reflects your social and financial standing. However, it's important to remember that there are other expenses to consider along with the car's cost. Determining a budget that aligns with your financial health and long-term goals is crucial. Let's dive into the key considerations when calculating your new car budget in India.

Things to consider when calculating your budget for a new car

When calculating your budget for a new car, several crucial factors must be considered. Consider the following factors to calculate car budget, including:

• Thumb rule: Set a reasonable budget

If you are wondering about "what car can I afford based on salary?" follow this thumb rule. A fundamental thumb rule to abide by when determining your budget for a new car is to avoid allocating more than half of your annual income to this purchase. This pragmatic guideline ensures a balanced approach to car affordability while safeguarding your overall financial stability.   

So, if you’re wondering “how do I know if I can afford a car?”, consider an illustrative scenario: if your annual income stands at ₹10 Lakhs, a reasonable budget would entail earmarking around ₹5 Lakhs for the car's cost. However, it's crucial to emphasise that this thumb rule doesn't solely encompass the car's ex-showroom price. Instead, it extends to the on-road price, which includes expenses like road tax, registration charges, and car insurance premiums. This comprehensive view provides a more accurate reflection of the actual costs of acquiring the vehicle.

When opting for a car loan, the thumb rule extends further to encompass the 20/4/10 principle. It entails initiating the purchase with a down payment of 20% of the car's price. Subsequently, securing a loan tenure within four years is recommended to avoid prolonged interest payment durations. Additionally, ensuring that your car-related expenses, including EMIs and car insurance, collectively remain within 10% of your monthly salary underpins prudent financial management.

• Choose between new or old.

Consider your needs rather than just your wants. If budget constraints come into play, don't overlook the option of a used car. Used cars can be up to 30% - 40% cheaper, depending on their age and condition. However, remember to account for potential maintenance costs and steer clear of vehicles older than five years.

• Buying the right size

Choose a car size that suits your family's needs and lifestyle. A hatchback or sedan might be ideal for a family of four, while a Multi Utility Vehicle (MUV) could be a better fit for larger families. Opting for a smaller model, when possible, can lead to cost savings.

• Avoid negative compounding

Eligibility for a loan doesn't necessarily equate to affordability. Going beyond your budget can lead to negative compounding – the more you borrow, the higher your interest payments. Be cautious not to be lured into a larger loan than you can comfortably manage.

• Contemplate maintenance costs

Remember, owning a car means ongoing expenses. Consider factors like insurance premiums, maintenance, fuel, and service costs. Over time, these seemingly minor expenses can accumulate and impact your financial well-being. Scrutinise the car's technical specifications, such as transmission modes and fuel types, to ensure they align with your budget.

• More savings than EMI

Your car's Equated Monthly Instalments (EMIs) should not consume more than 10% of your savings. Ensure you're setting aside more funds than you allocate toward your car payments. If your EMIs exceed this threshold, consider postponing your purchase until your financial situation strengthens.

How to calculate the budget for your car?           

When wondering “how to know if I can afford a car”, you must learn basic steps to calculate the car's budget. Calculating your car budget entails several essential steps:

• Check the on-road price

Before finalising your car budget, thoroughly examine the on-road price. This comprehensive figure includes the car's base cost and additional expenses like taxes, registration fees, and car insurance. Understanding the on-road price gives you a clearer picture of the overall investment required for your chosen vehicle.

• Consider the monthly payments.

Calculate the monthly payments, including EMIs (Equated Monthly Instalments), and you'll need to allocate this for your car purchase accordingly. This step is crucial if you're opting for a car loan. Ensuring that the monthly payments fit comfortably within your financial capacity is essential.

• Access your down payment.

Determine the amount you can allocate as a down payment for the car. You should know that a higher down payment lowers the loan amount, leading to lower monthly payments. Assessing your down payment capability helps you tailor your car budget to suit your financial situation.

• Check the exchange value of your current vehicle, if any.

If you're replacing an existing vehicle, evaluate its exchange value. A good resale value for your old vehicle can significantly impact your new car's cost, potentially reducing your overall expenditure.

• Consider your total debt.

Take a complete view of your existing financial commitments and debts. Assess whether adding a car loan to your financial portfolio is feasible. Carefully consider your total debt to ensure the new car purchase aligns with your financial stability.

Conclusion

In the exhilarating pursuit of a new car, prudent budgeting is vital. Consider a balanced approach, adhering to a rule of not exceeding half your annual income for the car's cost, including on-road expenses. Opt for practicality between new and used cars, accounting for maintenance costs. Evaluate size, savings-to-EMI ratio, down payment, exchange value, and total debt. Remember, car insurance safeguards your investment, so choose one wisely. With these principles, embark on your car journey confidently and financially prepared.

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

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The windshield of a vehicle comprises laminated or solid safety glass; hence, it is a fragile part. It can get shattered or cracked during a collision with another vehicle. It is also possible for the windshield to get damaged when hit by a stone or tree branch while parked on the road under a tree or close to a construction site. Whether it is a small crack or total damage, you have to get it fixed immediately to avoid any accidents due to obstructed vision while still driving the vehicle in that condition. Before heading to a garage, check if your vehicle insurance covers windshield damage.

Does car insurance cover windshield damage?

If you have a doubt in your mind, “Is the windshield covered by insurance?” let’s find out the answer. A comprehensive car insurance policy covers all types of damages caused to a car’s windshield due to collision or non-collision. If you have taken only third-party liability coverage, it will not compensate for the damages to your car. However, comprehensive car insurance coverage includes both own damages and third-party liability coverage; hence damage to the car’s front glass gets covered under insurance if you opt for a comprehensive policy.

Are there any deductibles while filing a damaged windshield claim?

A deductible is the amount an insurance policyholder must pay toward an insured loss before the insurer starts paying for the covered expenses. When you file a damaged windshield insurance claim, you may have to pay a compulsory amount as a deductible. It gets calculated according to the percentage you chose at the time of policy purchase. Only some vehicle insurance companies charge a deductible to the car owners when they file a claim against a car’s windshield damage, i.e., if it gets stated in the policy. However, certain insurers do not make the policyholders pay the deductible for a windscreen repair if the policyholder hasn’t agreed to the deductible clause. If required, compare the total charge for repair or replacement of the windshield and the deductible amount before raising the claim for damage. If the cost of maintenance or renewal of the windscreen is less or slightly greater than the deductible amount, then it is not worth filing a claim.

Types of windshield damages that your car insurance covers

A comprehensive car insurance policy covers the cost of repairing or replacing a chipped, cracked, or shattered windscreen only if the damage gets caused by specific sources listed by the insurance company. The common sources of damage covered under a car insurance plan are listed below.

• Collision with another vehicle
• Tree branches falling on the glass
• Rocks, pebbles, or any other debris hitting the windscreen while driving or when parked on the side of the road.
• Hail falling on the glass during a hailstorm
• Animal colliding with the car’s windscreen
• Plant pots, coconuts, or any other heavy items falling on the glass
• A ball hits the car’s windscreen
• During vandalism, if someone breaks the car’s windshield with a stone or stick

How to file a claim for a damaged windshield?

After an accident, contact your insurance provider immediately to initiate the claim process. Here we have listed the steps on how to claim insurance for car windscreen damage.

• Immediately after the accident, inform the police and file an FIR.
• Declare the damage to the insurance agency and file a claim for windshield damage.
• Take your vehicle to a garage where your insurer has a tie-up to get a cashless service.
• You can also get the vehicle serviced at any repair shop other than a network garage; you need to file for reimbursement later. Remember to produce the receipts to the insurance company when claiming reimbursement.
• The insurer will pay for the expense if the insurance plan covers the circumstances that caused the damage.

Conclusion

Now you have the answer to your doubt — is the front glass of the car covered by insurance? Repairing or replacing a car’s damaged windshield is expensive maintenance work. So, when an unfortunate event that shatters or cracks your vehicle's windscreen happens, immediately inform the police about it. Then proceed with the insurance claim process without any delay. You can raise the claim by submitting a written application at the insurance company’s office or filling up an online form on their website.

Frequently Asked Questions

1.    Will my car insurance policy cover my car's damaged windshield?

Yes, if you have a comprehensive car insurance policy in hand, it will cover the expense of repairing or replacing a damaged windshield. The only condition is that the source of the damage should get covered under the policy to get compensation.

2.    When should I avoid filing for a damaged windshield?

If the cost of repairing or replacing a damaged windscreen is slightly higher or lower than the deductible amount, then it is not ideal to make an insurance claim.

3.    Does filing for a claim increase my car insurance premium?

Yes, filing for a claim can increase the insurance premium. This is because an accident claim makes you appear a risky customer to the insurance company; hence your insurer will charge you a higher car insurance renewal premium.

4.    Does third-party car insurance offer coverage against damaged windshields?

No, your third-party liability insurance does not provide coverage against windshield damage. You will need comprehensive car insurance to get compensation for the repair or replacement expense of the windscreen.

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

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In the ever-changing automotive market, selecting the perfect hatchback that meets your needs and expectations could be tricky. An array of options is available in the market, all competing to be recognised as the top hatchback in the country. Some of the top features of these compact cars include enhanced fuel efficiency and advanced technology.

As we explore the realm of hatchback cars in India, it's crucial to focus on their standout features and consider the integral aspect of car insurance, ensuring a comprehensive and secure driving experience.

Detailed List of the Best Hatchback Cars in India

1. Maruti Suzuki Swift

The Maruti Suzuki Swift is one of the best hatchbacks in India that combines power with efficiency. It boasts an ARAI mileage of 22.56 kmpl and is equipped with an 1197 cc, 4-cylinder petrol engine that delivers robust performance—88.50 bhp at 6000 rpm and 113 Nm torque at 4400 rpm. With seating for five passengers, the Swift offers the convenience of automatic transmission. Its compact yet practical design extends to a boot space of 268 litres, making it an adaptable choice for needs.

The Maruti Swift's fuel efficiency, performance, and compact design position it as a compelling option among leading hatchbacks.

2. Maruti Baleno

This hatchback stands out for its fuel efficiency with an ARAI mileage of 22.94 kmpl and a city mileage of 19.0 kmpl. Its power comes from an 1197 cc, 4-cylinder petrol engine that generates 88.50 bhp at 6000 rpm and a torque of 113 Nm at 4400 rpm. It comfortably accommodates five passengers and has a transmission spacious boot capacity of 318 litres and a fuel tank capacity of 37 litres.

Additionally, over five years, the average service cost for Baleno amounts to over Rs 5000, making it an economical choice in the hatchback segment.

3. Hyundai i20

Hyundai i20 is another compelling hatchback option in the market with an affordable price. i20 offers an ARAI mileage rating of around kmpl, making it suitable for urban commutes and long-distance drives. Its performance is powered by a combination of an 1197 cc, 4-cylinder petrol engine that outputs 86.76bhp at 6000 rpm along with 114.7 Nm torque at 4200 rpm. It features an automatic transmission, ensuring a smooth driving experience.

The hatchback comes with a boot space of 351 litres, providing room for luggage. The i20 lineup offers five variants, Era, Magna, Sportz, Asta and Asta (O), which cater to various preferences and needs in the hatchback segment.

4. Tata Altroz

Tata Altroz offers a range of features across its six variants: XE, XM, XM+ XT, XZ and XZ+. Its boot capacity ranges from 210 to 345 litres and accommodates various needs. Altroz provides three engine options. A 1.2-litre aspirated petrol engine, a 1.2-litre turbo petrol engine, and a 1.5-litre diesel engine are all paired with a 5-speed manual transmission.

Equipped with a 7-inch touchscreen infotainment system, ambient lighting, cruise control, and even a single-pane sunroof, Altroz offers an enhanced premium driving experience. Additionally, customisation options add to its attractiveness in the hatchback market.

5. Maruti Celerio

This compact hatchback comes with a boot space of 313 litres. It is powered by a 1-litre petrol engine (67 PS/89 Nm) with either a 5-speed manual transmission or a 5-speed AMT. The CNG version offers a claimed mileage of 35.6 km/kg with the 5-speed transmission.

In terms of features, Celerio includes a 7-inch touchscreen push button for start/stop, keyless entry, and manual AC to enhance the driving experience. With its mileage figures and range of features, Maruti Celerio is a choice for budget-conscious buyers looking for practicality and efficiency.

6. Tata Tiago EV

Tata Tiago comes in five vibrant colours. It offers options for battery packs with capacities of 19.2 kWh and 24 kWh, providing a claimed range of 250 km to 315 km. Charging options are convenient, including a DC charger that can charge from 10% to 80% in 57 minutes.

Packed with features such as a 7-inch touchscreen, Harman sound system, auto AC, dual airbags and TPMS for safety measures, the Tiago EV combines sustainability with amenities to offer an eco-friendly and enjoyable driving experience.

7. Toyota Glanza

Toyota Glanza has a 1.2-litre Dualjet petrol engine (90 PS/113 Nm). It can be paired with a 5-speed manual or a 5-speed AMT transmission. The CNG mode, combined with the 5-speed manual transmission, offers a fuel efficiency of 30.61 km/kg.

Glanza boasts a 9-inch touchscreen display, heads-up display, 360-degree camera system, automatic climate control with rear AC vents and cruise control. With its rounded features and rich offerings in the hatchback segment, Glanza stands as a well-rounded choice.

8. Citroen C3

Citroen C3 Aircross is a spacious hatchback that comfortably accommodates five passengers and provides ample boot space of 315 litres. It offers fuel efficiency ratings of around 19.8 kmpl and 19.44 kmpl, respectively, for city and highway driving conditions to ensure journeys.

C3 Aircross has a user system featuring a large 10.2-inch touchscreen display that connects Android Auto and Apple CarPlay platforms and an array of car features totalling up to 35 options for convenience. Safety comes first with Citroen C3 Aircross, which is equipped with dual front airbags, ABS, EBD, a reversing camera, and rear parking sensors.

9. Renault Kwid

Renault Kwid offers five variants: RXE, RXL, RXL (O) RXT and Climber. There's also an edition called 'Urban Night,' based on the RXT variant. You'll also have plenty of colour options—six monotone and two dual-tone options. Renault Kwid boasts an 8-inch system that supports Android Auto and Apple CarPlay.

Other features include entry, manual AC for comfort control and electrically adjustable ORVMs for convenience. Safety is not compromised either—you can count on airbags and ABS with EBD for added protection. All in all, Renault Kwid offers style without compromising safety.

10. Hyundai Grand i10 Nios

Hyundai Grand i10 Nios offers a range of options with five variants available. If you prefer CNG, options of fuel types like Magna or Sportz models are available to meet your requirements.

Grand i10 Nios has a 1.2-litre petrol engine offering manual and AMT transmission options. Loaded with features like an 8-inch display, wireless phone charger, and essential safety elements such as six airbags, ABS, ESC, and TPMS, Grand i10 Nios provides a stylish and secure driving experience. This Hyundai hatchback strikes the balance between style, performance and safety.

Conclusion

Finding the best hatchback cars in India is a journey filled with innovation, efficiency and style. Each car brings its strengths to the forefront. However, beyond eye-catching designs and impressive performances on the road, it is crucial to prioritise car insurance coverage for a worry-free driving experience that guarantees security.

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

In the dynamic Indian automotive market, where numerous affordable cars attract potential buyers, making a well-informed choice is not easy. Before deciding, you must consider several factors, such as features, mileage, and more. To help you shortlist options, we have compiled a list of the 10 popular small, affordable cars and their key specifications. Whichever car you choose, make sure to protect it with robust car insurance. Besides, it is mandatory to have motor insurance to drive a vehicle on Indian roads.

So, let’s move on to the list of India’s top 10 small affordable cars.

List of Small Affordable Cars in India

1.      Renault Kwid

Renault Kwid, often called the mini Renault Duster, combines an SUV’s performance with a hatchback’s compact body. Its rugged and SUV-inspired appearance boasts high ground clearance and a confident stance.

Beneath the hood, the Kwid is equipped with a 1.0-litre SCe 3-cylinder petrol engine, providing a power output of 54 PS and a torque of 72 Nm. Available in multiple variants like RXL, Neotech, RXE, and RXL AMT, among others, the Kwid offers versatility for various preferences.

Key Specifications:

• Mileage: Impressive up to 22.0 kmpl
• Engine Displacement: Ranging up to 999 cc
• Fuel Type: Petrol

2.      Tata Tiago

Tata Tiago is the most affordable car offering in Tata’s vehicle lineup. It is powered by a Revotron 1.2-litre, 3-cylinder engine, delivering a robust 86 PS of power and 113 Nm of torque.

Prioritising safety, the vehicle includes features such as an anti-lock braking system with EBD and CSC, a rear camera, and an impact-sensing auto door unlock.

Tiago enhances the driving experience with Harman’s 7-inch Connectnext infotainment system and 8 speakers. Additionally, it boasts automatic climate control, a cooled glovebox, and seamless Apple CarPlay and Android Auto connectivity. Available in multiple variants, including XE, XT, XZ, XTA, XZ+, and XZA.

Key Specifications:

• Mileage: Impressive up to 23.84 kmpl
• Engine Displacement: Ranging up to 1199 cc
• Fuel Type: Petrol

3.      Hyundai Grand i10 Nios

Hyundai Grand i10 Nios takes the lead among small cars in India with its exceptional best-in-segment features. In addition to a 20.25cm infotainment system, driver rear-view monitor, keyless entry, digital speedometer, voice control, and navigation system, it offers a range of advanced amenities. With several variants available, including Era, Magna, Sportz, and Asta, you can choose the model that suits your preferences.

Key Specifications:

• Mileage: Impressive up to 24.0 kmpl
• Engine Displacement: Petrol and CNG – ranging up to 1197 cc, diesel – up to 1186 cc
• Fuel Types: Petrol, diesel and CNG

4.      Maruti Swift

Maruti Swift, one of India’s best-selling small cars, continues its triumphant journey, now in its third-generation incarnation. It is powered by a BSVI-compliant 1.2-litre K12B 4-cylinder petrol engine, delivering a peppy 81 BHP of power and 113 Nm of torque.

Enhancing its appeal, the Swift cruises on R15 alloy wheels, elevating its aesthetics. Safety is paramount with features like rear parking sensors with a camera, a crash sensor, an anti-lock braking system, and a hill-control assist.

Key Specifications:

• Mileage: Impressive up to 22.0 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

5.     Maruti Baleno

Maruti Baleno, a standout in its class, is powered by a 1.2-litre VVT petrol engine, churning out a robust 84BHP of power and 140 Nm of torque. It boasts impressive exteriors, luxurious interiors, and many appealing features. Its windows feature UV-cut glass, protecting from harmful UV radiation and maintaining a cooler cabin environment.

In terms of appearance, Maruti Baleno makes a statement with distinctive project LED headlamps featuring LED DRLs, striking two-tone R16 alloy wheels, and elevated ground clearance. Available in various variants, including LXI, VXI, ZXI, and ZXI+.

Key Specifications:

• Mileage: Impressive up to 23.87 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

6.     Citreon C3

Citroen C3 is priced at ₹5.88 lakh. It offers two engine options and prioritising fuel efficiency with its six-speed manual transmission. Prominent features encompass height-adjustable driver seats, a user-friendly 10-inch touchscreen infotainment system, and a four-speaker sound system. Prioritising safety, it includes ABS with EBD, rear parking sensors, and dual front airbags.

Key Specifications:

• Mileage: Up to 19.4 kmpl
• Engine Displacement: Ranging up to 1199 cc
• Fuel Type: Petrol

7.     Maruti Wagon R

Maruti Wagon R, a beloved hatchback from Maruti, ranks among the best small cars in India. It offers two engine options paired with a five-speed manual transmission. The vehicle offers a seven-inch touchscreen display, a four-speaker music system, and steering-mounted audio and phone controls. Prioritising safety, it is equipped with ABS with EBD, dual front airbags, rear parking sensors, and a hill-hold assist system, ensuring passenger security.

Key Specifications:

• Mileage: Impressive up to 24.43 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

8.      Tata Altroz

Tata Altroz, available at ₹6.60 lakh to ₹10.74 lakh (ex-showroom Delhi), offers diverse options for various preferences. It is offered in six major variants: XE, XM, XM+, XT, XZ, and XZ+. Regarding boot space, both the petrol and diesel versions provide ample storage with 345 litres, while the CNG variants offer slightly less at 210 litres.

The Altroz offers three engine choices: a 1.2-litre naturally aspirated petrol engine generating 86 PS/113 Nm, a 1.2-litre turbo-petrol engine with 110 PS/140 Nm, and a 1.5-litre diesel engine producing 90 PS/200 Nm.

Key Specifications:

• Mileage: Impressive up to 25.11 kmpl
• Engine Displacement: For petrol engines, the capacity is limited to 1199 cc, while for diesel engines, the limit is set at 1497 cc.
• Fuel Types: Petrol and diesel

9.      Maruti Alto 800

Maruti Alto 800 is one of India’s most enduring and beloved small cars. It has maintained its prominence in the Indian automobile industry. This resilient vehicle has evolved to adapt to the ever-changing market, refining its design, specifications, and features. It offers a range of variants, including LXI, VXI, VXI Plus, and STD, among others.

Key Specifications:

• Mileage: Impressive up to 22.05 kmpl on petrol and 32.99 km/kg on CNG
• Engine Displacement: Ranging up to 796 cc
• Fuel Types: Petrol and CNG

10.      Maruti Ignis

Competitively priced, Maruti Ignis costs between ₹5.84 lakh and ₹8.16. It offers customers a choice of four primary variants: Sigma, Delta, Zeta, and Alpha.

When it comes to aesthetics, the Ignis stands out with a palette of six monotones and three dual-tone colours, offering options like Nexa Blue, Lucent Orange, Silky Silver, Turquoise Blue, Glistening Grey, Pearl Arctic White, Pearl Midnight Black, Lucent Orange with a black roof, Nexa Blue with a silver roof and Nexa Blue with a black roof.

Powering the Ignis is a 1.2-litre petrol engine that delivers 83 PS of power and 113 Nm of torque. Customers can choose between a 5-speed manual or a 5-speed AMT (automated manual transmission), offering a fuel efficiency of 20.89 kmpl.

Adding to its appeal, the Ignis features a 7-inch touchscreen infotainment system with Apple CarPlay and Android Auto compatibility. It also has LED projector headlights featuring DRLs (Daytime Running Lights) and automatic climate control for enhanced convenience.

Key Specifications:

• Mileage: Impressive up to 20.89 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

Frequently Asked Questions

1.      What are the popular cars under ₹6 lakhs?

The Indian automotive market offers a variety of small, affordable cars under ₹6 lakhs, including the Maruti Swift, Maruti Alto, Hyundai Grand i10, Maruti Baleno, Renault Kwid, Tata Altroz, Maruti S-Presso, Tata Tiago and Renault Triber.

2.      Are there any elegant small cars in India?

Yes, there are some small elegant cars like Maruti Baleno and Tata Altroz.

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

With their old, classic charm, vintage cars are fascinating, rare, and costly. Not only is their purchasing cost high, but the expenses to maintain them are on the higher side, too. The general definition of a vintage car is decided by the manufacturing date; it should have been built between 1919 and 1930.

Did you know that there is vintage car insurance? Let us discuss this concept of old car insurance in detail.

Types of Vintage Car Insurance

The Vintage and Classic Car Club of India (VCCCI) must officially certify a vehicle as vintage. There are three types of vintage car classifications —

1. Vintage Cars: According to VCCCI standards, cars manufactured between 1919 and 1930 are vintage. In contrast to the other two categories, the value of a vintage car remains relatively stable even after undergoing modifications.
2. Classic Cars: Vehicles produced between 1940 and 1970 fall under the Classic car category. These automobiles should remain unaltered and maintain their original specifications. Any extensive modifications disqualify a car from being classified as Classic.
3. Antique Cars: Vehicles manufactured from 1930 to 1940 are antique cars. Antique cars should undergo minimal modifications and retain their original design.

Regarding insurance, there are only two car categories: Classic and Vintage. Antique cars are included in the Classic category.

There are two types of vintage car insurance —

1. Stated Value Vintage Car Insurance: This plan factors in depreciation based on the owner’s estimation of the car’s worth.
2. Agreed Value Policy: This vintage car insurance sub-category is based on a mutually agreed-upon value between the owner and the insurance provider.

Factors, such as premium costs, must be considered before selecting a vintage car insurance policy. 

Factors Impacting Vintage Car Insurance

Current car value significantly impacts insurance rates. Unlike modern cars with fixed values, vintage car valuation proves challenging. The following factors affect old car insurance —

1. Car Age: To value a car as per its age, insurers refer to VCCCI guidelines. The criteria for categorisation may vary among car insurance companies.
2. Maintenance Costs: Vintage cars may need frequent repairs, leading to increased premiums. So, car insurers conduct thorough vehicle inspections to gauge expected maintenance expenses. The higher the maintenance cost of a vintage car, the higher the insurance premium on the policy.
3. Spare Parts Cost: Vintage car spare parts are scarce and costly. They often require to be imported. This factor significantly influences insurance premiums as the rarer the spare part, the higher the premium.

Conclusion

Vintage cars are high-priced. Owning a vintage car comes with exorbitant maintenance costs. This has made the concept of making vintage car insurance increasingly popular. But before purchasing vintage car insurance, it is important to determine the car’s category.

Factors influencing vintage car insurance include the age of the car, its current value, expected maintenance costs, and the price of spare parts. Vintage car owners often face difficulties in sourcing costly spare parts. Some of the spare parts may even need to be imported.

Certification and evaluation from the VCCCI are essential to secure vintage car insurance. Based on the assessment, owners and insurance companies can mutually agree on the sum insured. It is imperative to thoroughly review policy terms and conditions to understand the coverage provided, particularly the limitations and exclusions.

Vintage cars frequently participate in rallies, exhibitions, and public events. Old car insurance should cover any damage incurred during such occasions through separate event-specific coverage or as part of the policy terms.

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

Choosing between front-wheel drive (FWD) and rear-wheel drive (RWD) is important when selecting a vehicle. It greatly impacts the handling, performance and overall driving experience. For car buyers looking to make an informed decision, it's important to have a comprehensive understanding of the differences between these two drivetrain configurations.

In this exploration, we will delve into the characteristics and differences between front-wheel drive and rear-wheel drive, shedding light on their advantages and considerations. This knowledge will help you navigate the world of cars effectively and choose a vehicle that aligns best with your preferences and driving needs.

What is Front Wheel Drive (FWD)?

Front-wheel drive (FWD) is a configuration where most of the engine's power goes to the vehicle's front wheels. In this setup, the front wheels transmit power from the engine to the road and steer the vehicle. This differs from rear-wheel drive (RWD), where power is sent to the rear wheels, and the steering is in the hands of the front wheels.

FWD vehicles typically offer certain advantages, such as traction in slippery conditions and easier handling. These factors contribute to their popularity as choices for daily commuting and family vehicles. It has fewer components than other drivetrain setups, resulting in lighter cars and improved fuel economy.

FWD is also ideal for driving in rainy conditions, and modern systems often include traction control for snow conditions. However, it's important to ensure car insurance coverage regardless of the driving scenario.

What is Rear Wheel Drive (RWD)?

Rear wheel drive (RWD) is a drivetrain configuration where the power from the engine primarily goes to the vehicle's rear wheels. In RWD vehicles, the rear wheels transmit power from the engine to the road and propel the vehicle forward. This differs from front-wheel drive (FWD), where the front wheels handle power delivery and steering.

RWD is often associated with performance-oriented vehicles due to its better balance and handling characteristics. The division of tasks between rear wheels contributes to improved traction during acceleration.

While RWD vehicles may not be as common as FWD in cars, they are popular in segments such as sports cars and luxury vehicles.

Differences Between Front-wheel Drive and Rear-wheel Drive

This table summarises Front-wheel Drive vs Rear-wheel Drive:

Frequently Asked Questions

Is it better to have FWD or RWD?

The choice between Front-wheel Drive (FWD) and Rear-wheel Drive (RWD) depends on preferences and specific requirements. Typically, FWD cars are popular for their fuel efficiency and spacious interiors, making them suitable for everyday driving. On the other hand, RWD cars are preferred for high-performance sports vehicles that offer enhanced capabilities.

Is RWD not safe?

Rear-wheel Drive (RWD) cars may not be a wise option for driving on snowy roads as they tend to oversteer or fishtail. In such conditions, especially when traction is reduced, RWD vehicles can present challenges in terms of stability and control.

Can FWD cars drift?

Technically, Front-wheel Drive (FWD) cars can perform drifting manoeuvres with the right technique, speed, and timing. However, it's crucial to note that attempting drifting should be limited to controlled environments like designated tracks. It is not recommended on private or public roads due to safety concerns.

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

The Indian automobile market is a car enthusiast’s paradise. The most-selling cars in India range from compact hatchbacks to rugged off-roaders. These vehicles reflect the pulse of consumer preferences and encapsulate the essence of popularity and performance in the bustling Indian automotive landscape. Join us on this exploration to unveil the names and features of the cars that have successfully claimed the title of the most selling in India, showcasing their undeniable allure and widespread acclaim.

List of The Best-Selling Cars in India

Let us embark on a journey through the dynamic automotive landscape of India as we delve into the details of the best-selling cars in India. These vehicles, renowned for their fuel efficiency and cutting-edge features, serve as a testament to the discerning preferences of Indian automotive enthusiasts.

1.      Maruti Suzuki Brezza

The Maruti Suzuki Brezza, a stylish and robust vehicle, is at the top of India’s best-selling SUVs list. Its power comes from a 1.5-litre K-Series petrol engine, churning 101.65 BHP and 136.8 Nm of torque. The Brezza offers a five-speed manual and an automatic transmission, thanks to Smart Hybrid Technology. With a seating capacity of five, it provides ample room for passengers.

Moreover, its elevated ground clearance of 198 mm guarantees a comfortable ride, even on uneven or rugged roads.

Key Specifications:

• Ex-Showroom Price: Starting at ₹8.29 lakh
• Engine Displacement: 1462 cc
• Mileage:38 to 25.51 kmpl
• Fuel Types: Petrol and CNG
• Transmission Options: Manual/Automatic
• Boot Space: 328 litres
• Seating Capacity: 5
• Airbags: 6

2.      Hyundai Creta

Following closely on the list of Indian SUVs is the Hyundai Creta, available in a remarkable range of 7 variants. Starting with the base model, the Hyundai Creta E, and reaching the pinnacle with the Hyundai Creta SX Opt Turbo, Hyundai offers a choice for every preference.

The Creta SUV lineup features manual and automatic transmissions, delivering a robust power output of 138.08 BHP at 6000 RPM and a peak torque of 242 Nm at 1500-3200 RPM. With a seating capacity of 5, it’s ideal for larger families who enjoy embarking on journeys together.

Key Specifications:

• Ex-Showroom Price: Starting at ₹10.87 lakh
• Engine Displacement: 1493 – 1497 cc
• Mileage:8 – 23 kmpl
• Fuel Types: Diesel/Petrol
• Transmission Options: Manual/Automatic
• Boot Space: 433 litres
• Seating Capacity: 5
• Airbags: 6

3.      Tata Nexon

Securing the second position among India’s top SUVs is the Tata Nexon, available in five enticing variants: XE, XM, XZ, XZ+ and XZA+. All these models feature a comfortable five-seater layout, making them suitable for various needs.

The Nexon boasts BS-VI-compliant petrol and diesel engines, delivering a robust performance.

The turbocharged engine impressively produces a maximum torque of 260 Nm at 1500-2750 RPM and a peak power of 113.31 BHP at 3750 RPM.

Key Specifications:

• Ex-Showroom Price: Starting at ₹8.10 lakh
• Engine Displacement: 1199 – 1497 cc
• Mileage:01 – 24.08 kmpl
• Fuel Types: Diesel/Petrol
• Transmission Options: Manual/Automatic
• Boot Space: 382 litres
• Seating Capacity: 5
• Airbags: 6

4.      Hyundai Venue

Hyundai Venue secures the 4th spot among India’s best SUVs, boasting cutting-edge technologies and unique features. Its potent engine delivers a maximum power of 118.41 BHP at 6000 RPM and a peak torque of 172 Nm at 4500 RPM. The vehicle offers a generous ground clearance of 190 mm, ensuring smooth rides even on challenging terrains.

This 5-seater Hyundai model features an advanced control system, allowing drivers to effortlessly select from three drive modes and three 2WD traction modes using a single jog dial.

Key Specifications:

• Ex-Showroom Price: Starting at ₹7.89 lakh
• Engine Displacement: 998 – 1493 cc
• Mileage: Impressive 24 kmpl
• Fuel Types: Petrol/Diesel
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 350 litres
• Seating Capacity: 5
• Airbags: 6

5.      Tata Punch

Tata Punch is one of the most selling cars in India. One of India’s top compact SUVs, it offers 33 variants to cater to diverse preferences.

Beneath the hood, it houses a 1.2-litre petrol engine, delivering a spirited performance with a maximum power output of 86.63 BHP at 6000 RPM and a peak torque of 115 Nm at 32500 RPM.

Equipped with a 7-inch touchscreen display featuring connected car technology, the SUV complements this with a 7-inch semi-digital instrument panel. Prioritising safety, it includes dual front airbags, ABS with EBD, and front and rear parking sensors to enhance the driving experience.

Key Specifications:

• Ex-Showroom Price: Starting at ₹6 lakh
• Engine Displacement: 1199 cc
• Mileage: Impressive range from 18.8 to 26.99 kmpl
• Fuel Types: Petrol/CNG
• Transmission Options: Manual/Automatic
• Boot Space: Generous 366 litres
• Seating Capacity: Accommodates 5 passengers
• Airbags: 2
  

6.      Mahindra Bolero

Amongst India’s most popular cars is the Mahindra Bolero. Mahindra Bolero, a 7-seater SUV, starts at ₹ 9.79 lakh in India. It features a 1.5 litre diesel engine with manual transmission. It has a claimed mileage of 16 kmpl. It comes with a ground clearance of 180 mm. It comes in three variants and offers a choice of three attractive colours.

With a seating capacity of five, the Bolero prioritises safety with features such as an anti-lock braking system (ABS), reverse parking assistance, and dual airbags.

Key Specifications:

• Ex-Showroom Price: Starting at ₹9.79 lakh
• Engine Displacement: 1493 cc
• Mileage: A respectable 16 kmpl
• Fuel Type: Diesel
• Transmission: Manual
• Boot Space: Spacious 370 litres
• Seating Capacity: Accommodates 7 passengers
• Airbags: 2

7.      Mahindra Scorpio N

If you’re searching for a 7-seater SUV in India, consider the Mahindra Scorpio N. It has a commanding performance with a maximum torque of 400 Nm at 1750-2750 RPM and a robust 172 BHP of power at 3500 RPM.

The Scorpio N has advanced features, including cruise control, auto headlamps with LED DRLs, automatic air conditioning, an 8-inch touchscreen infotainment system, and Bluetooth and AUX connectivity.

Key Specifications:

• Ex-Showroom Price: Starting at ₹13.25 lakh
• Engine displacement: 1997 – 2198 cc
• Mileage: Impressive range from 19.38 to 27.97 kmpl
• Fuel Types: Petrol/CNG
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 460 litres
• Seating Capacity: Accommodates 7 passengers
• Airbags: 6

8.      Maruti Grand Vitara

Maruti Grand Vitara, recognised as one of India’s finest SUVs, offers versatility with options for both petrol and CNG engines, along with manual or automatic transmissions.

It features two impressive petrol engine choices: a 1.5-litre mild-hybrid petrol engine and a robust 1.5-litre strong-hybrid petrol engine, delivering maximum powers of 103PS and 116PS, respectively.

Key Specifications:

• Ex-Showroom Price: Starting at ₹10.70 lakh
• Engine Displacement: 1462 – 1490 cc
• Mileage: Impressive range from 19.38 to 27.97 kmpl
• Fuel Types: Petrol/CNG
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 373 litres
• Seating Capacity: Accommodates 5 passengers
• Airbags: 6

9.      Kia Sonet

Kia Sonet stands out among compact SUVs. This versatile car has six trims: HTE, HTK, HTK+, HTX, HTX+ and GTX+.

Kia has equipped the Sonet with an electric sunroof and comfortable 5-seater configurations. Under the hood, it packs a punch, generating a maximum power of 114.41 BHP at 4000 RPM and a formidable 250 Nm of torque at 1500-2750 RPM. It is one of the most affordable SUVs in India, with a starting price of ₹7.79 lakh.

Key Specifications:

• Ex-Showroom Price: Starting at ₹7.79 lakh
• Engine Displacement: 998 – 1493 cc
• Mileage: Impressive 18.2 kmpl
• Fuel Types: Diesel/Petrol
• Transmission: Automatic
• Boot Space: Spacious 392 litres
• Seating Capacity: Accommodates 5 passengers
• Airbags: 6

10.      Kia Seltos

The Kia Seltos, another contender in India’s list of top 10 SUV cars, stands out as a remarkable compact SUV. Kia offers this compact SUV in three trims: Tech (HT) Line, GT Line and X-Line, each offering versatile 5-seating configurations.

Within the Tech (HT) Line, you’ll find five variants: HTE, HTK, HTK+, HTX and HTX+, while the GT Line comes in two variants: GTX(O) and GTX+.

Key Specifications:

• Ex-Showroom Price: Starting at ₹10.90 lakh
• Engine Displacement: 1482 – 1497 cc
• Mileage: A respectable range from 17.0 to 20.7 kmpl
• Fuel Types: Diesel/Petrol
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 433 litres
• Seating Capacity: Accommodates 7 passengers
• Airbags: 6

Conclusion

Exploring the top-selling cars in India not only provides insights into popular choices but also underscores the importance of safeguarding these valuable investments. As car buyers navigate options, considering factors like performance, features, and fuel efficiency, it is equally essential to prioritise protection through comprehensive car insurance. Choosing the right insurance coverage ensures not only the longevity and well-being of the vehicle but also peace of mind for the owner. As the automotive landscape evolves, a thoughtful combination of a top-selling car and a robust insurance plan ensures a secure and enjoyable journey on India’s diverse roads.

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

If you’re on the hunt for the perfect SUV that suits your needs, you’ve come to the right place. In the diverse world of automobiles, SUVs (Sports Utility Vehicles) have become extremely popular, winning over consumers with their stylish looks, performance capabilities, and versatility. The SUV market in India has witnessed tremendous growth, with manufacturers introducing innovative designs, cutting-edge technology and impressive features to meet the demands of potential customers. Choosing the best SUV goes beyond practicality; it reflects an individual’s lifestyle, aspirations and desire for a seamless driving experience.

Detailed List of the Best SUV Cars in India

Car enthusiasts look for various features before giving their verdict. You may be one of them or simply looking for a car that meets your varied requirements. SUVs remain a popular choice for car enthusiasts as well as those looking for comfort on wheels. Whether it is the seating capacity, high ground clearance to enable the car to absorb road shocks or comfortable and spacious interiors, the popularity of SUVs keeps rising. If you’re considering purchasing one, here’s a compilation of the best SUVs in India that exemplify power, comfort, and contemporary design while ushering in an era of automotive advancement.

1.      Maruti Suzuki Brezza | Starting at ₹8.29 lakh

Thanks to its affordability, Maruti Suzuki Brezza leads the pack as one of India’s highest-selling SUVs. This SUV boasts an impressive exterior coupled with robust features and is powered by an impressive 1.5-litre K-Series petrol engine that churns out 101.65 BHP of power and 136.8 Nm of torque.

With the integration of Smart Hybrid Technology, the Brezza offers versatility in driving experience, giving you the choice between a five-speed manual or an automatic transmission. With a capacity for up to 5 passengers, its elevated ground clearance of 198 mm ensures a smooth ride on challenging roads.

2.      Tata Punch | Starting at ₹6 lakh

This compact SUV makes a statement with a line-up of 33 different variants. Powered by a 1.2-litre petrol engine, this small powerhouse delivers power of 86.63 BHP at 6000 RPM and generates a torque of 115 Nm at 32500 RPM.

Safety and modernity are priorities in the Tata Punch, equipped with features like a car technology-enabled 7-inch touchscreen display, a semi-digital instrument panel measuring seven inches, dual front airbags, ABS with EBD (Electronic Brakeforce Distribution) and front and rear parking sensors. With its style, efficiency and advanced safety features, the Tata Punch stands out as an appealing choice in India’s competitive SUV market.

3.      Hyundai Venue | Starting at ₹7.89 lakh

The Hyundai Venue comes in as the most affordable contender on our list of SUV cars in India. It’s a compact powerhouse that combines technologies and unique features. With a starting price of just ₹7.89 lakh, the Venue offers an engine that can generate a maximum power of 118.41 BHP at 6000 RPM and a torque of 172 Nm at 4500 RPM. This 5-seater SUV also boasts a ground clearance of 190 mm, providing both style and substance.

One standout feature of the Hyundai Venue is its control system, allowing car owners to easily switch between three drive modes and three 2WD traction modes using a jog dial.

4.      Tata Nexon | Starting from ₹8.10 lakh

With a starting price of ₹8.10 lakh, the Nexon establishes itself as a perfect option for those looking for a well-rounded SUV experience in India. This feature-packed car is available in five variants. XE, XM, XZ, XZ+ and XZA+, all featuring a seating arrangement for five people, the Nexon stands out for its versatility and stylish design.

Tata Nexon’s petrol and diesel engines comply with BS VI standards and deliver robust performance. The Turbocharged engine generates a torque of 260 Nm at 1500-2750 RPM and achieves a maximum power output of 113.31 BHP at 3750 RPM. Safety is also paramount in the Tata Nexon, which has six airbags and a feature-rich interior.

5.      Mahindra Bolero | Starting at ₹9.79 lakh

If you’re in the market for top-selling SUVs in India, the Mahindra Bolero is worth considering. It comes with a 1.5-litre diesel engine paired with a 5-speed manual transmission. The Bolero offers a powerful and efficient performance with a maximum power of 75 BHP at 3600 RPM and torque of 210 Nm at 1600-2200 RPM.

Safety is not compromised either, as it includes features like an anti-lock braking system (ABS), reverse parking assistance, and dual airbags to ensure both practicality and peace of mind.

6.      Hyundai Creta | Starting from ₹10.87 lakh

Continuing our exploration of the best SUV cars in India, we come across the Hyundai Creta, a name synonymous with elegance and performance. The Hyundai Creta SUV offers a range of options with seven variants. Whether you prefer the base model Creta E or the top-tier Creta SX Opt Turbo, there’s something for everyone.

You’ll find automatic and manual transmissions in the Creta line-up, providing a maximum power output of 138.08 BHP at 6000 RPM and 242 Nm at 1500-3200 RPM torque. With seating for up to five people, it’s a family car that offers comfortable seating. 

7.      Honda Elevate | Starting at ₹10.99 lakh

Meanwhile, the Honda Elevate provides an added touch of luxury with features such as a pane sunroof and advanced driver assistance systems available through the Honda Sensing package. Powered by the 1.5-litre i-VTEC petrol engine, it delivers a peak output of 89 kW (119 hp) and 145 Nm of torque for a powerful and responsive driving experience. These attributes make the Elevate an enticing choice for those seeking sophistication and performance in a compact SUV. The car covers all the aspects well and excels in the areas most important for everyday driving.

8.      Maruti Grand Vitara | Starting at ₹10.70 lakh

Maruti Grand Vitara confidently takes its place as one of the best SUVs in India. It offers versatility with options for both petrol and CNG engines as manual or automatic transmission choices. The Grand Vitara comes equipped with two petrol engine options: a 1.5-litre petrol engine and a 1.5-litre hybrid petrol engine. These engines deliver 103PS and 116PS, respectively, ensuring a dynamic driving experience for SUV enthusiasts. This 5-seater is perfect if you are looking for a compact design with robust performance catering to your everyday needs.

9.      Kia Seltos | Starting at ₹10.90 lakh

The Kia Seltos has quickly become a standout in the compact SUV category, offering a combination of style, performance, and advanced features. With multiple variants and three trims catering to a range of buyers, from practicality-focused individuals to those seeking a sportier driving experience. The Seltos comes with 6 airbags and a boot space of 433 litres. It offers a 17-27.7 km/l mileage and an engine displacement of 1482-1497 cc. It comes in both 5- and 7-seater arrangements. Its sleek, modern exterior design and various high-tech features set it apart in the crowded SUV market.

10.      Mahindra Scorpio N | Starting at ₹13.25 lakh

Looking for a perfect 7-seater SUV in India? The Mahindra Scorpio N is a great choice. This feature-packed car has a robust engine delivering a torque of 400 Nm at 1750-2750 RPM and a maximum power of 172 BHP at 3500 RPM. The Scorpio N ensures a comfortable and connected journey with advanced features like cruise control, auto headlamps with LED DRLs, auto AC, an 8-inch infotainment system, and Bluetooth and AUX connectivity.

Conclusion

Whether you’re looking for a compact and city-friendly SUV or an off-road capable one, plenty of options suit different preferences. By exploring car insurance coverage options specifically designed for SUV owners, you not only ensure protection on the road but also gain peace of mind.

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

A road trip or a long drive in a car, traversing scenic stretches of land is an exciting and thrilling experience. But, there are possibilities for unpredicted road incidents to happen anytime. So, before venturing out for an adventurous road trip, make sure you have the essential supplies to combat or protect yourself against unforeseen unpleasant incidents while on the way. Car insurance documents and a first aid kit with all the basic supplies are essential to carry in your vehicle as a measure to safeguard against any accidents or mishaps.

Comprehensive car insurance can cover all of the expenses for damage repair and legal liabilities in case of bodily injury or death of a third party. While travelling, always keep a first aid kit in the car. This can be of use in events that require immediate medical attention.

What is a First Aid Kit?

A first aid kit is a small medical kit or box that contains essential medicines and other supplies that you can use to treat minor to moderate health conditions or injuries. This can address the immediate need for medical assistance or treatment for a person before being taken to a healthcare centre for more appropriate care.

A first aid box for a car typically and ideally contains supplies for treating pain, swelling, minor cuts, scrapes, and burns. The contents of the medical kit should be replaced and replenished from time to time. Supplies with an expiry period, like medicines, must be checked occasionally and restocked with new ones.

Things to Keep in Your Car’s First Aid Kit

A first aid kit kept in a car should essentially contain the following items:

• Band-aid to seal wounds or cuts
• Bandages to control bleeding and support injured joints
• Hand sanitiser to disinfect your hands before treating an injury
• Scissors to cut bandages or clothes
• Pain relief medicines and sprays
• Thermometer
• Safety pins to secure the bandage
• Antiseptic cleaners to wash the wounds
• Antibiotic ointments to apply on scrapes or minor wounds

What are the Benefits of Having a First Aid Kit in Your Car?

While travelling, it is necessary to take care of safety and consider it your priority than reaching the destination on time in a hurry. With a first aid kit in the car, you can ensure immediate medical help in case of unfortunate happenings.

Here are the benefits of having a first aid box for a car.

• Prepared to deal with emergencies: Having to face an emergency medical situation while on the road can cause panic. But if you have a well-equipped first aid kit in the car, it can be a great relief and provide immediate help. The essential supplies in the medical kit prove useful in such instances and prevent the situation from escalating and causing any harm.
• Enables quick response: When accidents occur on the roadside, using a first aid kit gives you time to call an ambulance and wait for medical aid to reach the spot or take the injured to a nearby hospital. First aid also plays a role in further treatment and recovery.
• Limit casualties: Having a medical kit to respond to conditions that demand immediate medical care can help limit the casualties.
• Peace of mind: Carrying a first aid box in the car will give you peace of mind. It assures you that you and your loved ones will get emergency care in case of any accidents.

How Can Car Insurance Offer Additional Protection?

Having a car insurance policy is imperative to deal with any accidents, mishaps, or vehicle failure. It is equally important as carrying a first aid box. Car insurance offers financial protection to the vehicle owner against any expenses incurred from the accident. Let’s look at how it can offer added security.

• Protection against damages: Car accidents that cause severe damage or even a minor bend to the vehicle can cost you a lot in its repair and servicing. The reconditioning charge can get higher according to the degree of damage and the car model. Having a car insurance policy will help you deal with the financial burden to some extent. The insurance company will compensate fairly for the damages to the car and the treatment of the policyholder. In the event of death due to an accident, the insurer will provide benefits to the survivor.
• Coverage against personal hazards: Many car insurance policies offer personal accident coverage. Such a plan will cover the medical expenses of the car owner if the person sustains an injury from an accident. The insurance policy will also compensate for the permanent disabilities of the insured, and in case of the car owner’s demise, the nominee or legal heir will receive the compensation.
• Coverage against third-party liability: It is mandatory for car owners to take third-party car insurance. It will protect the insured person against the liabilities arising from damage caused to the property of the other party involved in the accident. Injury or any other loss incurred by a third party because of the car owned by the individual also gets covered under third-party car insurance.

Conclusion

Everyone wishes for a safe and pleasant journey. No one will ever like to encounter any unpleasant circumstances while driving a car, be it an accident or mishap due to human fault, vehicle failure, poor road conditions, or inclement weather. Considering the increasing cases of road accidents happening in our country, it is always better to take precautions to deal with such situations. Purchasing a comprehensive car insurance policy and keeping a fully stocked first aid box in the car is the first step towards taking measures to deal with emergencies on the road.

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

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Driving during monsoons or on rainy days is especially pleasant and enchanting, but it also brings in some challenges. Heavy rainfall can often obstruct the sight of the driver. The visibility of the road ahead can further get blocked or blurred by the fogged-up windshield. This adds to the difficulty of steering on a rainy day, and is dangerous to navigate the wet roads during such conditions. But worry not; there is a device you can rely on called a ‘defogger’ to solve this fogging issue. We will delve into what a defogger is in a car, the way it works and much more.

Meaning of a defogger and the way it works

Have you ever wondered what a defogger is in a car? A defogger is a device in a vehicle that works to remove condensed water droplets or ice from the main windshield, side windows, and rear windscreen. By doing so, it improves visibility, especially during rainy or foggy days. The device is also known as a demister or defroster. There are two types of demisters based on their working principles: primary and secondary. Before looking into the working of a defogger, we’ll dive into why the windscreens get fogged up during the rainy season in the first place.

Fogging is a phenomenon that happens when warm air comes in contact with a cold surface. During monsoon or cold climates, the vehicle's windscreen gets chilly faster, and when the surrounding relatively warm air touches this surface, condensation occurs. This results in the accumulation of tiny water droplets on the windshield's surface.

The primary defogger in a car works with the help of the vehicle's HVAC (Heating, Ventilation, and Air Conditioning) system. It draws in fresh air and dehumidifies it. The dehumidified air then passes into the heater core, where it gets heated. The dry, hot air is then passed through different vents and circulated to different areas inside the car, including the windshield. Primary defoggers mainly function to clear the front windscreens.

The secondary defogger in a car operates by restive electric heating. The glass surface of the vehicle is pasted with the filaments of heating material, and when the system gets turned on, the electric current passes through the filaments and produces heat. This heat melts the condensed water. A secondary defogger is mainly employed to clear the rear windscreen.

How can you use a defogger to demist the windshield?

A windshield defogger is a common feature of any four-wheeler. It can demist the front windscreen and clear the glass for the driver to get a better view of the road when it rains. The following steps will activate the primary defroster in your car.

• In the dashboard, you’ll find a button with a symbol that looks like a curved window with three squiggly arrows crossing it.
• Press the button just once, and the defogger of your car will get activated. The icon on the button will get illuminated when the defrost function turns on.
• Once the defogger gets activated, the hot air from the heating core of the HVAC system is channelled to the desired locations in the car, including the windshield, to clear the fogginess of the glass.
• To deactivate the defroster after use, press the same defogger button again.

How to defog car windows in the rain when the AC is on?

Do you know that apart from the defogger in the car, the vehicle’s AC can help defog the front windshield, windows and rear windscreen? You can use the AC system effectively clear the fog in certain circumstances, such as during monsoons and cold weather. Switch on the AC and increase the temperature; this will raise the heat inside the car cabin. It will result in warm air circulating inside the car and hitting the windshield. This will make the glass of the windscreen hot and causes the moisture to evaporate, clearing the surface. The car’s heater and defogging vents on the bottom of the windscreen work together to demist the glass.

Another way to defog the windshield is by dehumidifying the air inside the car cabin. You can use the AC system to accomplish this. Since a majority of the new car models come with climate controls, activating the defrost settings will automatically turn on the AC. This will dehumidify the interior air first and then warm it up by blowing out the hot air from the heater core. The heated air circulating inside the car will strike the windshield and defrost the glass.

How to defog car windows in the rain when AC is off?

Demisting the windscreen and windows is difficult in a car that has no AC system or if the AC is not working or is faulty. In such cases, a defogger can come to your help. You can follow the steps below:

• Switch the defroster on and adjust to a low setting
• Turn off the recirculate setting to allow fresh air to flow into the car

But what if both the AC and defogger are defective? You can then follow this alternative process:

• Roll down the car windows
• This allows warm air to enter the cabin
• As the interior starts getting filled with warm air, the moisture-laden air from inside will escape outside.
• This will help clear the mist on the glass

Steps to defog the rear window of your car

A clear rear windscreen is equally necessary as a front windshield. It helps the driver to see the traffic behind the vehicle when observed through the rearview mirror inside the cabin. So, fogging of the rear windscreen can hinder the view of the row of vehicles behind your car. Thus, it becomes essential to clear the fogged-up rear glass. Follow the steps detailed below to defrost the rear windscreen.

1. Turn on the defogger.

• Some cars have two separate defogger buttons, one for the front windshield and another for the rear windscreen.
• If your car has a rear defrost button, use that.
• The rear defogger button can be located on the vehicle’s dashboard. It has a symbol that looks like a rectangular window with three squiggly arrows crossing it.
• Press the defrost button once
• Switching on the button will send electricity to the very fine heating wires pasted across the rear windscreen.
• Heated wire evaporates the water droplets on the glass and clears it.

1. Turn on the AC and increase the temperature
2. Switch on and activate the heater to defog the glass
3. Roll down the windows to allow warm air to blow in

How to defog your car glass during winter?

During the winter season, the temperature outside the car’s cabin will be comparatively lower than that of the inside. This difference in temperature causes mist to develop on the windscreens and windows. This happens when the warm air inside strikes the chilly glass surface of the windshield. Follow these instructions to defog the car windows and windscreens during winter.

• Bring down the AC temperature: If the climate is too cold, lower the AC temperature to adjust the temperature inside and outside of the cabin to match. This balance will help to clear the fogged windows and windshields.
• Activate the defogger: Switch on the defroster to demist the glasses. This will start to blow out hot air into the cabin and windshield. This clears the fogged-up glasses.
• Switch off the air recirculation system: Turning the air recirculation button off will let the fresh air from outside flow into the cabin, lowering the temperature inside. This will help the mist to disappear from the windscreens and windows.

How to defog your car glass during summer?

Summers can also cause fogging of the windshields and windows because, during the hot and humid climate, the AC will always be turned on, causing the inside of the car to remain cool while the temperature is high outside. When the hot air hits the cold glass surface, the windshields get fogged up outside. To clear the mist, follow these simple steps:

• Raise the AC temperature: Heat the inside of the cabin by increasing the AC temperature. This will help to balance the temperature inside and outside.
• Turn on windshield wipers: Since the mist is outside the glass, wipers can clear it.
• Roll down the windows: This allows warm air from outside to enter the cabin and maintains a balance with the atmospheric temperature.

How to defrost your car’s windshield while driving?

While you are driving the vehicle, the most convenient way to defog the windshields is using the defroster. The defogger button on the dashboard is at a place easily accessible to the driver, so you can switch it on while steering the car. You can also follow a suitable process from the above-mentioned methods after analysing the situation. If you feel that there is a necessity to make some other adjustments inside the car, and if it is not possible while behind the wheel, then park your vehicle at a safe spot and do what’s necessary. Don’t try to wipe the glass with a cloth while driving because you may lose sight of the vehicles ahead, which can lead to accidents.

How to prevent your car windows from fogging?

Are you wondering whether it is possible to prevent the fogging up of windshields and windows? Then, the answer is yes, it is attainable. Here are some tips and tricks to prevent the mist from clouding your car’s glasses.

• Place silica balls, wrapped in a cloth, inside the cabin. They are good at absorbing moisture from the air. This will prevent fogging up of the windscreens and windows.
• Another method is the application of shaving foam on the windshields. Spread the foam evenly all over the glass and let it dry. Clean the excess foam by wiping it with a cloth. This shaving foam layer acts as a barrier and prevents moisture from building up on the glass surface.

Lastly, choosing the right car insurance is crucial. It covers losses or damages or losses to third-party property/person in the event of an accident involving your car. Additionally, car insurance protects you from legal liabilities and expenses associated with bodily injury or death of a third party.

Frequently Asked Questions

1.     What is a defogger used for in a car?

Defogger is an inbuilt device in a four-wheeler that helps to remove condensed water droplets or even ice from the windshields and windows.

2.     Why does my car window fog up from the inside?

Fogging up of the car windows occurs when the temperature inside and outside the vehicle varies, causing condensation of the water vapour in the air. When the weather is cold, the glass gets easily chilled, and the warm air from the passengers’ breath circulating inside the cabin causes condensation, resulting in fogged-up windows.

3.     Is it necessary to have a rear defogger in my car?

Yes, having a rear defogger in the car is essential to defrost the rear windscreen. This is because a clear rear windscreen allows you to view the traffic behind you and can help prevent accidents.

4.     How to turn on a defogger in my car?

There may be two defogger buttons in a car, one for the front windshield and another for the rear windscreen. Pressing the one you need once will activate the defogger.

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

Related Articles:

• Demystifying Car Defoggers: Enhancing Visibility and Safety
• Mastering Car Defogger: Tips for Clear Vision in Challenging Conditions
• Tips to Keep Your Car's Engine Safe During Monsoon Season
• Windshield Wiper Tips for Monsoon: Take Care of Your Windshield Wipers
• 5 Must-Have Car Safety Accessories to Ensure Your Protection

The new-edge technology and convenience of two-pedal technology are boosting the demand for automatic cars in India. The market now offers an array of entry-level automatic cars under Rs 10 lakh. These cars have revolutionised the driving experience of people seeking greener technology, affordability, and ease of use.

This blog will explore India's top-performing automatic cars under Rs 10 lakh.

Detailed List of the Best Automatic Cars in India

Highlighted below are 10 of the best automatic cars in India under 10 lakhs:

Tata Tigor

Tata Tigor is priced between Rs 6.3 lakh and Rs 8.95 lakh. It exemplifies a perfect blend of style and safety. This compact sedan is equipped with a robust 1199 cc engine. It boasts five seats and offers three automatic variants. You probably know this car for its excellent build quality. This car stands out in the market for its reliability and a touch of elegance. With safety features and five vibrant colours, this car caters to those seeking a well-rounded driving experience without compromising style.

Maruti Wagon R

Maruti Wagon R is celebrated for its versatility among India's most popular automatic cars. It is priced between Rs 6.1 lakh and Rs 7.35 lakh. This compact car with an 1197 cc engine delivers impressive mileage in petrol and CNG versions. Its functional design and efficient performance have made it a preferred choice for urban commuters. The Wagon R's adaptability to various fuel options enhances its appeal. It provides a reliable and economical option.

Maruti Celerio

Maruti Celerio is priced from Rs 5.25 lakh to Rs 7.00 lakh. This car is a standout choice in the automatic hatchback segment. Renowned for affordability, this model doesn't compromise on performance. The Celerio's powerful engine and the latest technology ensure a stylish and efficient ride. It offers a perfect balance of features and budget-friendly pricing. Hence, it remains a top contender in the market. For those seeking an automatic hatchback that combines practicality and performance, Maruti Celerio is an excellent choice.

Hyundai Santro

Hyundai Santro is undoubtedly a favourite in India, which offers unmatched comfort and convenience. It comes with a price range of Rs 4.90 lakh to Rs 7.36 lakh. The new Santro is available in petrol and CNG fuel types and boasts a stylish design. Hence, it caters to diverse consumer preferences. The automatic variant adds a layer of ease to city driving. Whether it's the impressive design or the fuel options, this car remains a beloved choice. It delivers a family-friendly driving experience without exceeding the Rs 10 lakh budget.

Honda Amaze

Honda Amaze is priced from Rs 9.5 lakh to Rs 9.48 lakh. This car is a testament to Honda's commitment to compact sedan excellence. This car has a fuel tank capacity of 35 litres and seating for five. Amaze offers a comfortable and efficient driving experience. It caters to diverse preferences, which you can get in petrol and diesel automatic variants. As one of the excellent automatic cars under Rs 10 lakh, the Honda Amaze combines style, fuel efficiency, and Honda's legacy of reliability. Hence, this car is a compelling choice in the compact sedan category.

Hyundai Grand i10 Nios

Hyundai Grand i10 Nios emerges as a vibrant and advanced automatic hatchback. It is priced between Rs 8.23 lakh and Rs 9.59 lakh. With an engine capacity of 1197 cc, this model combines modern design with technological innovation. Bold and contemporary, the Grand i10 Nios is an attention-grabber on the road. Its advanced features and comfortable interiors make it a sought-after choice for those who prioritise style and substance in their driving experience. Hyundai Grand i10 Nios offers a dynamic and appealing option for automatic hatchback enthusiasts.

Maruti Suzuki Swift

This car is renowned as a top performer among Indian hatchback cars. It is priced from Rs 8.5 lakh to Rs 10 lakh. Moreover, it continues to dominate the market. With three petrol variants for the automatic version, Swift provides a winning combination of power and efficiency. The 1197 cc engine ensures a smooth and responsive drive, while the stylish design adds to its overall appeal. As one of the excellent automatic cars under Rs 10 lakh, Maruti Swift remains a favourite for those seeking a perfect combo of performance and aesthetics in a hatchback.

Maruti Baleno

Maruti Baleno is priced between Rs 7.95 lakh and Rs 9.71 lakh. This car stands out as a premium hatchback offering. It caters to diverse preferences with four variants: Sigma, Delta, Zeta, and Alpha. It also comes in three automatic versions. Despite its powerful 1197 cc engine, the Baleno impressively achieves a mileage of 20 km/l. Its sleek design and feature-rich interiors make it a compelling choice for those looking to experience luxury without compromising performance. Maruti Baleno continues redefining premium hatchback standards in the automatic segment.

Hyundai Aura

It is priced from Rs 6.3 lakh to Rs 8.87 lakh. Hyundai Aura combines contemporary technology with convenience. It offers a delightful driving experience. Available in diesel, CNG, and petrol versions, this five-seater car provides versatility to match different driving needs. The automatic version comes in two variants, Aura SX Plus AMT and Aura S AMT, both in petrol. With a blend of modern features and comfortable interiors, the Hyundai Aura is a reliable choice if you seek an automatic car that emphasises technology and convenience.

Tata Tiago

Tata Tiago is priced between Rs 6.15 lakh and Rs 6.96 lakh. It distinguishes itself as a compact hatchback focusing on build quality. Running on a 1.2-litre petrol engine mated to a 5-speed automatic transmission, Tiago ensures a peppy yet efficient drive. Despite its compact size, Tiago boasts essential safety and comfort features. Hence, it is a standout choice in the competitive hatchback segment. With a sporty and elegant design, Tata Tiago caters to those prioritising style and substance in their daily commute.

Conclusion

As the demand for automatic cars under 10 lakhs in India continues to surge, you will find various options. Moreover, it would be best if you safeguarded your investments with the right protection. Prioritise peace of mind by securing car insurance. It protects against accidents, natural disasters, and more.

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

If you're wondering how to save petrol while driving, you’ve come to the right place. We know that fuel efficiency is on everyone’s minds, and rightly so. The good news is that you can take plenty of simple and practical steps to save fuel while driving. So, without further ado, let’s dive into some of the best ways to keep that fuel gauge from plummeting.

What Are Some of the Best Ways to Save Fuel?

Reducing the fuel consumption of your vehicle improves its efficiency and offers the driver peace of mind. Here are some of the best tips to save fuel.

1.   Don't leave your car idle for a long-time      

Did you know your car guzzles fuel even when just idling? It’s true! Whether stuck in traffic or waiting at a red light, turning off your engine can make a big difference. It takes about the same amount of fuel to restart your engine as it does to idle for about half a minute. So, give that ignition a break when you’re at a standstill for more than a moment.

2.   Avoid driving aggressively

Now, we get it. Sometimes the road can be frustrating, but aggressive driving habits like rapid acceleration, sudden braking, and weaving in and out of traffic can seriously burn your fuel. Ease up on the gas pedal and maintain a steady speed. You should give yourself plenty of time to stop. Not only will this save fuel, but it’ll also make your drive smoother and more relaxing.

3.   Carpool whenever possible

Why not share the ride and the fuel costs? Carpooling with colleagues, friends, or family members heading in the same direction can significantly cut down your fuel expenses. Plus, it’s a great way to catch up and reduce the number of vehicles on the road.

4.   Use the air conditioner only when required

The sweet relief of air conditioning on a hot day is a blessing. But here’s the deal – air conditioning is a fuel-thirsty beast. So, when the weather allows, consider rolling down your windows instead. And if you do need the A/C, set it at a moderate temperature to keep things comfortable without going overboard. You should use air conditioning sparingly.

5.   Ensure that your tires are inflated at the correct pressure      

Maintaining the right tire pressure isn’t just about safety; it’s also a real fuel-saving superhero. Under-inflated tires create more rolling resistance. Hence, it makes your engine work harder and consume more fuel. Check your tire pressure regularly, every 2 weeks, and keep them inflated to the recommended levels.           

6.   Regularly maintain your car      

Think of your car like a well-oiled machine because it is! Regular maintenance can work wonders for your fuel efficiency. It includes keeping your wheels aligned and using high-quality energy-conserving oils. So treat your car to some TLC, and it’ll reward you with better mileage.

7.   Use cruise control while driving on the highways

When cruising on the road, consider using that handy cruise control feature. It helps maintain a steady speed, leading to better fuel efficiency by avoiding unnecessary fluctuations. You should also use manual transmission properly. It allows greater control over the vehicle’s performance.

8.   Try keeping a lighter trunk         

Avoid carrying unnecessary weight in your vehicle. You can use this classic trick: less weight, better mileage. Keep your trunk clutter-free and only have what you need. Extra weight puts more strain on your engine and increases fuel consumption.

9.   Increase the aerodynamics of your vehicle

Ever stick your hand out of the window while driving? You’ve probably felt that resistance – that's a drag, and it affects your fuel efficiency. Keep your windows rolled up when driving at higher speeds to reduce wind drag and save fuel. You can also remove roof or bicycle racks that are not in use.

10.        Keep your speed limit in check     

Did you know that driving at 55 miles per hour can be 10-15% more fuel-efficient than zooming at 65 miles per hour? It’s true! So, watch your speed and enjoy the bonus of saving fuel. You can use a fuel consumption display to track fuel consumption. It will help you check the effectiveness of the above tricks.                                         

Remember, every little change you make can add to significant savings at the pump. So, adopt these tips and tricks, and you’ll be kinder to your wallet and reduce your carbon footprint. One more thing you should consider for your vehicle is car insurance. It primarily protects your car from various unforeseen events.

Frequently Asked Questions

What is the ideal speed for saving fuel while driving?

The ideal speed for saving fuel while driving is around 55 miles per hour on the highway. Driving at this steady speed can help optimise your fuel efficiency.

How can you save fuel while driving?

There are several effective ways of saving fuel while driving. These include avoiding aggressive driving behaviours such as rapid acceleration and sudden braking. Moreover, maintaining proper tire pressure and minimising air conditioning when possible also go a long way in helping you save fuel.

How to reduce fuel consumption in petrol and diesel cars?

To reduce fuel consumption in petrol and diesel cars, you can adopt fuel-saving habits, such as practising smooth and gradual acceleration, maintaining your vehicle properly with regular servicing, and minimising unnecessary idling. Additionally, using high-quality fuels and keeping your vehicle’s weight in check by removing unnecessary items from the trunk can improve fuel efficiency.

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

Parking a car is an essential skill that every driver needs to master. While driving on the open road might feel like a breeze, the art of parking can often be a daunting challenge, especially for beginners or those new to the driving world. The ability to park a car effectively and efficiently is a practical necessity and a mark of a skilled and responsible driver. If you are also a beginner and don't know how to park car, this guide will help you. In this complete guide, we will delve into the various parking methods, explore valuable tips to enhance your car parking skills, take a closer look at the intricate process of parallel parking, and shed light on how ICICI Lombard plays a crucial role in safeguarding your car.

Different Ways to Park a Car

Parking techniques come in various forms, each tailored to suit different scenarios and spaces. Understanding these methods is essential for becoming a well-rounded and confident driver. Let’s start with Angle Parking. It involves positioning a car at an acute angle relative to a parking space’s curb or boundary. This technique is commonly employed in parking lots and driveways, offering easy entry and exit. The approach direction is key. It ensures a smooth transition into and out of the parking spot.

Another parking technique is Perpendicular Parking. It is perhaps the most familiar form of parking, where you find a car parked at a 90° angle to the curb or other parked cars. This method is typically utilised in spaces with designated parking slots and gets often seen on city streets and shopping centres.

Lastly, there’s Parallel Park, which many drivers find challenging. It involves parking a car parallel to the road between two other vehicles. This technique is instrumental in urban environments where curbside parking is the norm. Despite its intimidating reputation, you can master parallel car parking with practice and the right approach.

Is There a Way to Park Your Car Perfectly Always?

So is it possible to consistently achieve flawless parking? While attaining absolute perfection in every parking attempt may be an ambitious aspiration, there exist strategies and techniques that can substantially elevate your parking skills and enhance your overall consistency.

At the core of successful parking lies the principle of exercising patience and precision. Rather than rush through the parking process, approach parking spaces deliberately and gradually. Taking time allows you to assess your surroundings thoroughly and execute the manoeuvre accurately. This deliberate approach not only aids in avoiding potential collisions but also promotes a greater sense of control over your vehicle’s positioning.

Effective parking necessitates heightened situational awareness. This heightened state of alertness entails maintaining a vigilant watch over various elements, including pedestrians, potential obstacles, and the positions of neighbouring vehicles. This heightened vigilance ensures that you remain attuned to your immediate environment, enabling you to make timely adjustments and informed decisions. In this context, mirrors and visual cues are pivotal in enhancing awareness and ensuring a comprehensive understanding of your surroundings.

Your vehicle’s mirrors serve as invaluable aids in achieving precise parking. By strategically adjusting your mirrors, you can eliminate blind spots and expand your field of view. This broader perspective grants you a comprehensive visual representation of the area encompassing your car. Consequently, you can more accurately gauge distances, angles, and spatial alignment, critical factors in executing successful parking manoeuvres. Skilful use of mirrors allows you to align your car within the designated parking space appropriately.

Tips to Increase Your Car Parking Skills as a Beginner

For those embarking on their driving journey or seeking to refine their parking prowess, the following car parking tips can prove to be immensely valuable:

Just like any skill, practice is key to mastery. Seek opportunities to practise parking in various scenarios. You can practise it in empty parking lots or quiet residential streets. Remember, the more you practise, the more confident and skilled you will become.

Establishing reference points on your car can aid in judging distances accurately during parking manoeuvres. These visual markers act as guides, enabling you to position your vehicle correctly.

Approach parking spaces at a controlled and cautious speed. Lower speeds provide better manoeuvrability and reaction time, reducing the likelihood of collisions or misjudgements.

How to Parallel Park Perfectly?

Mastering parallel parking is like achieving a driving milestone. You’ll feel proud of your accomplishment once you get the hang of it. The steps below outline a systematic approach to parallel parking tips.

• Positioning

Begin by positioning your car parallel to the vehicle or car in front of the desired parking space. Maintain a distance of about 2-3 metres from the car ahead.

• Engage Reverse Gear

Shift into reverse gear and initiate the parking procedure.

• Wheel Turn

Turn your steering wheel to the right or left, depending on the parking spot's direction.

• Gradual Reverse

Slowly begin reversing your car while closely monitoring your mirrors and surroundings.

• Entering the Space

As you reverse, carefully guide your car into the parking space. Ensure that your steering wheel remains straight.

• Adjustment and Alignment

As your rear bumper aligns with the car’s front bumper behind, move your vehicle forward; now, turn your car’s steering wheel in the opposite direction.

• Final Positioning

Make subtle forward and backward adjustments to your car’s position.

• Mirror Check

Utilise your mirrors to confirm that your car gets appropriately positioned within the confines of the parking space.

How ICICI Lombard protects your car?

Mastering car parking techniques is crucial. However, ensuring your car’s safety goes beyond mastering parking skills. ICICI Lombard understands this, offering comprehensive car insurance solutions encompassing standalone own-damage and third-party coverage. These policies are a robust shield against unforeseen accidents and incidents, granting you the confidence to navigate roads and park without worry. With ICICI Lombard’s reliable protection, your car remains safeguarded, allowing you to focus on perfecting your driving and parking expertise. Drive assured, park with peace of mind – that’s the promise of ICICI Lombard’s car insurance.

Furthermore, when you opt for our car insurance policy online, you unlock the advantage of receiving attractive discounts on your premiums. Your comprehensive four-wheeler insurance policy will reach your inbox or phone in minutes. Our user-friendly car insurance calculator lets you effortlessly determine the precise insurance premium tailored to your requirements. With ICICI Lombard, not only do you gain comprehensive coverage, but you also experience convenience and cost-efficiency in managing your car insurance needs.

Conclusion

Perfect parking is an achievable skill that improves with practice and dedication. You can achieve your goal by understanding various parking techniques and consistently honing your skills. You should also consider the protection offered by ICICI Lombard. With car insurance, you can navigate parking challenges with ease. Remember, while perfection might be challenging, continuous improvement and responsible driving will make you a parking pro in no time.

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

Are you a car owner tired of the annual ritual of renewing your insurance? If so, Multi-year car insurance might be the answer you have been seeking. This four wheeler insurance option is gaining traction for good reasons in the realm of auto coverage. Whether you are a seasoned driver or a newcomer to the road, delving into the world of long term car insurance could provide you with cost savings and unmatched convenience. Imagine bidding farewell to yearly renewals and welcoming the assurance of extended coverage.

This beginner's guide will unravel the ins and outs of multi-year car insurance, shedding light on its advantages and why it's becoming a preferred choice for savvy car owners. Let's embark on this journey to uncover how this option can redefine your four wheeler insurance experience.       

What is Multi-year Car Insurance?                                                           

Multi-year car insurance, also known as long term car insurance is a comprehensive auto insurance policy that offers extended coverage, typically two to five years. Unlike traditional yearly policies that require annual renewal, multi-year four wheeler insurance provides a more extended period of protection without the hassle of frequent renewals. It allows policyholders to secure their vehicles against various risks and uncertainties for longer, ensuring continuous coverage and peace of mind. This innovative insurance option is designed to offer convenience and cost-saving benefits to car owners, making it an attractive choice for those seeking a more straightforward and efficient way to manage their car insurance needs.

Advantages of Multi-year Car Insurance              

Now you know what is long term car insurance, and it is time to explore its advantages. Here are some of the benefits of the multi-year car insurance plan:

Cost Savings             

One of the standout advantages of opting for multi-year car insurance is the potential for significant cost savings. Traditional annual car insurance policies often come with the uncertainty of premium rate fluctuations. During policy renewal, market conditions, inflation, and individual risk factors can increase premium rates.

In contrast, multi-year long term car insurance allows policyholders to lock in a fixed premium rate for the entire coverage duration, ranging from two to five years. It means that even if there are subsequent increases in premium rates due to market factors, your rate remains constant, resulting in substantial savings over time. Policyholders can avoid sudden and unexpected premium hikes by spreading the insurance cost over several years and benefit from predictable budgeting.

Convenience             

Multi-year car insurance brings an unprecedented level of convenience to policyholders' lives. With traditional annual insurance policies, individuals must remember to renew their coverage each year, often leading to last-minute rushes, paperwork, and potential lapses in coverage. However, with multi-year car insurance, this hassle is eliminated.

Once you secure a multi-year policy, you can enjoy continuous coverage for the specified duration without requiring yearly renewals. It means less paperwork, fewer renewal reminders, and a reduced risk of forgetting to renew altogether. The peace of mind that comes from knowing your coverage is active for multiple years contributes to a stress-free experience, allowing you to focus on more important matters than insurance logistics. This convenience factor is especially beneficial for busy individuals who value time and want a seamless, hassle-free insurance experience.

Peace of Mind                       

In a world filled with uncertainties, having peace of mind is invaluable, multi-year four wheeler insurance offers just that. With coverage locked in for multiple years, policyholders can enjoy an extended period of security and protection. It means that your car and financial well-being are safeguarded no matter what unexpected events might occur.

The knowledge that you have comprehensive coverage in place for an extended duration can bring a sense of tranquillity. Whether you encounter an accident, theft, or damage from natural disasters, this insurance will aid you. This peace of mind allows you to confidently navigate the road, knowing you're prepared for the unforeseen.

Flexibility                  

Multi-year car insurance offers peace of mind and cost savings and provides flexibility that can cater to individual needs. While the coverage period is extended, some policies offer customization options to tailor the insurance to your specific requirements.

This flexibility can include adding extra coverage or features as needed. For instance, you might include roadside assistance or coverage for personal belongings within your vehicle. Such customization ensures that you're not paying for coverage you don't need while still having the option to enhance your policy based on your preferences and circumstances. This adaptability allows policyholders to create a car insurance plan that aligns precisely with their lifestyle and driving habits.

Coverage for Multi-year Car Insurance    

Discussed below is the coverage offered by multi-year four wheeler insurance –

Accident Coverage               

Accidents are unforeseen events that can disrupt your life and pose significant financial challenges. Multi-year car insurance offers comprehensive accident coverage to prepare you for the unexpected. If your vehicle is involved in an accident, whether a minor collision or a major crash, your policy will cover the necessary repair or replacement costs.

In the unfortunate event of an accident, your multi-year car insurance policy will come to your rescue. It covers expenses related to repairing the damages to your vehicle, replacing damaged parts, and covering labour charges. This coverage extends to all types of accidents, ensuring that you're protected whether you're at fault or not.

Accident coverage under a long term car insurance policy provides peace of mind and financial security. It ensures you won't have to bear the brunt of repair costs alone, allowing you to focus on recovering from the incident. Whether it's a minor scratch or a major collision, your insurance policy is there to mitigate the financial impact and help you get back on the road as smoothly as possible.

Theft Coverage                     

Theft is a distressing experience that can leave you feeling violated and helpless. Multi-year car insurance offers theft coverage to provide protection and peace of mind if your vehicle gets stolen. This coverage ensures you're not stranded without a vehicle and facing a significant financial setback.

With theft coverage in your multi-year four wheeler car insurance policy, you're safeguarded against the financial repercussions of vehicle theft. In the unfortunate event that your vehicle or car gets stolen, your insurance will assist you in covering the cost of replacing your stolen vehicle with a new one. This coverage is particularly valuable if you live in an area with a higher theft risk or if your car is a popular target among thieves.

Having theft coverage under your multi-year car insurance policy assures you that you won't be left empty-handed in case of theft. It provides the financial support needed to get a replacement vehicle, minimising the disruption to your daily life. Additionally, this coverage underscores the value of long-term insurance, as it ensures that your investment in your vehicle is protected over an extended period, no matter the unfortunate events that may occur.

Natural Disaster                   

Natural disasters can strike unexpectedly and cause significant damage to your vehicle. Multi-year car insurance offers coverage against such natural calamities, providing financial protection and peace of mind in the face of unpredictable events.

Natural disaster coverage typically includes protection against various perils, such as floods, earthquakes, cyclones, hurricanes, and more. Suppose your car sustains damage due to any of these natural disasters. In that case, your insurance policy will help cover the repair or replacement costs, ensuring you don't bear the full financial burden.

This coverage is especially valuable if you live in an area prone to natural disasters. It ensures you can restore your vehicle to its pre-damaged condition without straining your finances. Having natural disaster coverage as part of your long term car insurance policy reflects a proactive approach to safeguarding your investment, allowing you to navigate the uncertainties brought about by nature's wrath with greater confidence.

Medical Expenses                 

Multi-year four wheeler insurance goes beyond protecting your vehicle by offering coverage for medical expenses that may arise from accidents. Accidents can lead to injuries for you and your passengers, resulting in medical bills that can quickly add up. This coverage ensures that you are financially prepared to handle medical costs without worrying about the impact on your savings.

Medical expenses coverage includes reimbursement for hospitalisation, medical treatments, ambulance services, and even post-accident rehabilitation. Whether minor injuries or more severe medical interventions, your insurance policy will help alleviate the financial strain often accompanying unexpected medical bills.

Having medical expenses coverage under your Multi-year car insurance guarantees that you and your passengers will receive necessary medical attention promptly, without worrying about the financial repercussions. It's a crucial component of comprehensive protection. It ensures you can focus on your recovery and well-being following an unfortunate accident.

Legal Expenses                     

Accidents can sometimes lead to legal complications, and legal proceedings can be daunting and expensive. That is where the legal expenses coverage in multi-year car insurance comes into play. This coverage helps you manage the costs of legal actions resulting from an accident.

Legal expenses coverage typically includes reimbursement for legal fees, court costs, and other related expenses in case you need to defend yourself in a legal dispute related to the accident. This coverage provides you with the necessary financial support to hire legal experts and navigate the legal process without the burden of exorbitant expenses.

Having legal expense coverage adds an extra layer of protection and peace of mind. You can confidently address legal matters without worrying about the financial strain they might bring. This coverage ensures that you are well-prepared to handle any legal challenges arising from an accident, allowing you to focus on resolving the situation. At the same time, your insurance takes care of the associated costs.          

Eligibility Requirements for Multi-year car insurance               

You must meet certain criteria to be eligible for multi-year car insurance. These criteria ensure that you can avail yourself of the benefits of long-term coverage and its advantages. Here are the eligibility requirements:

• Age Requirement: Drivers must be at least 21 or older to qualify for multi-year four wheeler
• Valid Driver's Licence: You should possess a valid driver's licence recognized by the relevant authorities.
• Vehicle Registration: Your vehicle must have valid registration with the appropriate authorities.
• Third-Party Cover: As the law requires, your car should have an appropriate third-party insurance cover.
• Motor Insurance Proof: You must provide proof of a valid motor insurance policy meeting the insurer's requirements.
• Vehicle Safety Standards: Your vehicle must meet the minimum safety standards set by regulatory bodies.
• Annual Inspection: Your vehicle may need an annual inspection, such as a Pollution Under Control (PUC) test, to ensure it meets environmental and safety standards.

Frequently Asked Questions                                                           

What's the difference between short term and long term insurance?                

Short-term insurance typically refers to insurance policies with a shorter coverage duration, often one year. These policies must be renewed annually, and the premium rates may change upon renewal. On the other hand, long term car insurance provides coverage for an extended period. It usually takes two to five years. It offers the convenience of consistent coverage without the hassle of yearly renewals. While short-term insurance might be suitable for those who want flexibility in changing their coverage frequently, long-term insurance offers stability and potential cost savings.

Should I take single-year or multi-year car insurance?               

The choice between single-year and multi-year car insurance depends on your preferences and needs. Single-year insurance provides coverage for one year and requires annual renewal. It can be suitable for those who want to assess their insurance needs annually or anticipate changes in their circumstances. On the other hand, multi-year car insurance offers the advantage of extended coverage, cost savings, and convenience. If you value peace of mind and want to avoid yearly renewals, multi-year four wheeler insurance might be better. Evaluate your requirements and choose the option that aligns with your long-term plans and preferences.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.        

During your car's lifetime, you will have to bear various car expenses. Every now and then you may have to pay for your car’s maintenance or repairs or any accessorising that you do. Premium payment on car insurance is also a major expense. To minimise the circumstantial and maintenance cost of your car, it is important for you to be well aware of the car parts. As a car owner, you must have a good knowledge at least about the basic car parts. In fact, basic knowledge about car parts also comes handy in understanding if you are eligible for a claim settlement and whether the repair or the related expense is covered under your car insurance plan or not. Moreover, a fundamental understanding of your car parts is extremely useful when you are in a position to look into your car troubles, especially when you are in a remote location.

In this blog, we will discuss some of the important car parts that you should know about -

Engine

This is one of the essential and basic car parts you should always know. This is because it is the heart of your car. The engine’s function is to transform the energy from burning petrol or diesel into the power that moves the wheels. This process is typically initiated by a spark, which ignites a mixture of compressed air and fuel vapour within a temporarily sealed cylinder. The ignition causes rapid combustion, which generates the force necessary to drive the vehicle forward.

To deal with the demanding workload, the engine typically possesses a sturdy structure that comprises two core components. The lower section is the cylinder block; it encloses the engine's primary moving elements. The removable upper portion is referred to as the cylinder head. Within the cylinder head, there are controlled passages with valves that allow the entrance of the air and fuel mixture into the cylinders, as well as outlets for sending out the gases produced during combustion.

Transmission

This is another important aspect you should have at least a basic understanding of. The corresponding car part of a car's transmission is the vehicle's gearbox. Its primary function is to regulate the engine's rotation speed; it ensures that it operates appropriately for your requirements. Starting and stopping a car would be challenging without a transmission, leading to unreliability.

Modern car transmissions typically come in two main variants, namely, manual and automatic. The fundamental operation of car transmissions remains consistent, whether manual or automatic. In manual transmissions, the driver uses the clutch to disconnect the engine and transmission, which enables gear changes. On the other hand, automatic transmissions use built-in sensors and actuators that control the clutch based on speed and accelerator input. Automatic transmissions adjust automatically, while manual ones require proper clutch changes for smooth gear changes.

Clutch

This is another important yet basic car part and you must have a robust knowledge about its functionality. It is the pedal you press to shift gears, especially in manual cars. Clutches come in various designs based on their intended use. However, their core function is transmitting rotational force from an engine to a transmission. The clutch pedal is used to temporarily stop the engine from the vehicle's transmission. The pedal's movement prompts a displacement; this is done through mechanical linkages, cables, or hydraulic fluid. The key components contributing to the clutch's operation include the flywheel, driven friction disc, pressure plate, and release bearing. While not universally present, a pilot bearing is common in rear-wheel-drive engines.

Battery

This is one of the most important car parts you should be aware of in general. It serves as an electrical power source for your car. The battery is an essential car part that is required to start your car engine. It plays a significant role in various other functions as well. Primarily, it functions as a substantial energy reservoir that supplies power to the vehicle's starter motor and ignites the engine when the starter button is pressed. Furthermore, the battery powers the car's ignition system. The battery typically works with another part, known as the alternator, in the vehicle's electrical system.

Furthermore, the battery offers an extra energy surge to maintain your car's operations. And most importantly, where accessories are added that would typically require higher power consumption, the battery's role becomes even more critical in meeting electrical demands. Additionally, the battery activates or deactivates heavy-draw accessories and protects sensitive components from harm.

Alternator

It is one of the basic car parts typically found in all internal combustion engine vehicles. Its primary role involves converting chemical energy into electrical energy. This conversion enables the charging of the car's battery. It also powers other electrical elements within the vehicle. The alternator provides electricity to accessories like headlights and wipers while driving.

Furthermore, this car part continues to generate energy while the car is in motion, ensuring a constant supply of power to the battery and the entire electrical system of the car. In modern vehicles, alternators have evolved to enhance battery recharging capabilities. This improvement typically relies on the alternator's ability to convert mechanical energy into electrical energy.

Radiator

This is one of the key parts in your car that definitely require some basic knowledge about car parts to navigate safely on the road. The radiator serves as the central component of the engine's cooling mechanism. Its primary function involves distributing a combination of antifreeze and water through its fins, which reduces the engine's heat. This is done as the radiator absorbs cooler air and proceeds to send it across the remainder of the engine.

Supplementary car parts, such as the spur line, water pump, and fan clutch, typically work along with the radiator. Each of these components contributes in a unique way to facilitate the radiator's task of maintaining optimal engine temperature. The spur line is responsible for directing warmed coolant to the heater core. The water pump propels the circulation of coolant throughout the engine. And the Fan clutch enhances airflow into the radiator.

Axle

While acquiring basic car knowledge about car parts, you cannot miss out on knowing about the axle. An axle is typically a rotating rod or shaft that turns your car wheels. It also plays an important role in bearing the weight of your vehicle. It has three primary types: front, rear, and stub axles. It is the axle that takes control over transmitting the force that drives the wheels, rendering them an indispensable component for the proper functioning of any vehicle. The functionality of this car part typically applies universally to all cars, irrespective of whether they are of manual or automatic transmissions. For vehicles featuring front-wheel drive, the term "dead axle" is commonly used to indicate the shaft that links the rear wheels. This axle doesn't contribute any power to these wheels; it facilitates rotation while energising the front wheels.

Steering and Suspension

This is yet another set of functions of your car that requires you to have basic car knowledge. Essentially, the steering system empowers you to direct the vehicle. The steering wheel is linked through the steering column, and the pivot points to the suspension system. This arrangement enables the wheels to adapt to road conditions without altering the steering angle. The precision of this system is vital, as any change or fault in the joints can compromise steering safety.

On the other hand, the suspension system connects the vehicle to its wheels and serves the important role of enhancing passenger comfort and maintaining optimal traction. This is done by minimising road irregularities and keeping the wheels in contact with the road.

The absence of a suspension system could lead to loss of traction and an uncomfortable ride.

Brakes

This is, inarguably, one of the most important car parts as it directly impacts your safety while driving. The design of a car's brake system revolves around its ability to reduce the acceleration level or halt the vehicle. A car's brake system functions by creating friction through the interaction of a stationary surface with a moving surface. Upon pressing your car brake pedal, the brake pads engage with the brake, inducing a rubbing action. Consequently, the kinetic energy shifts into heat energy due to the friction generated between these surfaces.

When the vehicle reaches a complete stop, it remains stationary due to static friction. This static friction prevents the vehicle from moving any further. Brake systems can be categorised as Disc and Drum, referring to the technique employed to apply brake force. Typically, most cars adopt disc brakes at the front and drum brakes at the rear. Relatively, upscale vehicles often employ disc brakes on all wheels.

Catalytic Converter

When discussing basic knowledge about car parts, the catalytic converter is another car part you should be aware of. For it plays a vital role in making sure that your car is not actively contributing to air pollution. This is done by converting extremely harmful combustion byproducts into less harmful substances such as water vapour and carbon dioxide; this device employs a catalyst chamber to perform this transformation. It is usually in the form of a sizable metallic enclosure and features two pipes. These pipes play a significant role in the entire process. Through the input pipe, the hazardous gas is introduced. This triggers a chemical reaction. The resulting gas is sent out via the output pipe.

Muffler

The muffler is also an important car part that plays a vital role in reducing sound pollution. It is typically used to decrease and manage the noise generated by your car's internal combustion engine. The muffler partially counteracts the sound waves by channelling the engine's sound waves through internal tubes and chambers. This results in a pleasantly quiet engine. Another key purpose of the exhaust system is to guide the emission gases away from the engine and passengers within the vehicle. These gases can easily infiltrate the car's interior if there is a fracture or opening in the muffler. These exhaust emissions carry hazardous compounds like carbon monoxide and other toxins that pose severe risks to passengers.

Fuel Tank

This is one of the most basic car parts that you should always know. The primary function of a fuel tank in your car is to hold volatile substances like oil. The fuel combines with air in your car engine's intake mechanism, becoming atomised and transformed into vapour. This mixture is subsequently compressed within the engine cylinder, leading to ignition and the generation of energy. Thus, only with a proper fuel tank can you easily start your car and proceed with your journey without any hassles. While fuel systems differ across various engines, their fundamental purpose remains consistent; it delivers fuel to the combustion chamber and regulates its proportion relative to the air volume.

Conclusion

In conclusion, basic knowledge about car parts is crucial for a safe and smooth journey on the road. The engine, being the heart of your vehicle, transforms fuel into the power that propels it forward. The transmission, clutch, and axle work harmoniously to ensure proper gear changes and wheel rotation, while the battery and alternator provide the necessary electrical energy for ignition and various functions. The radiator helps maintain the engine's optimal temperature, and the steering and suspension systems ensure control, comfort, and traction. The brakes, catalytic converter, and muffler contribute to safety, environmental responsibility, and reduced noise pollution. Additionally, the fuel tank holds the essential resource for combustion, enabling your car to function as intended. With this knowledge, you can confidently address issues that may arise, even in remote locations, ensuring a reliable and enjoyable driving experience.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Sedans are quite popular among car buyers in India due to their stylish designs, capacious interiors and comfortable rides. If you’re in the market for sedan cars under 10 lakhs, there are many good options in India. These cars offer a balance of features, performance, and affordability. When choosing the best sedan under 10 lakhs in India, it's important to consider not only the features but also the performance of the vehicle.

Let’s look at a list of sedan cars in India under 10 lakhs.

List of Sedan Cars in India 

1.      Maruti Suzuki Dzire 

The Maruti Suzuki Dzire is a popular sedan choice in the automotive market, seamlessly combining style, efficiency and affordability. With its affordable prices, the Dzire caters to those on a tight budget, while its array of features makes it an enticing option.

Under the hood, the Dzire boasts an 1197 cc engine that delivers a mileage ranging from 22.41 km/l to 31.12 km/l. In addition to its dual fuel capability for flexibility, the CNG version of this car also appeals to eco-friendly individuals who are mindful of their carbon footprint. Whether you go for the manual or automatic transmission, the Dzire ensures an efficient driving experience.

2.      Honda Amaze 

The Honda Amaze boasts a powerful 1199 cc engine that delivers balanced performance while achieving an impressive mileage of 18.3-18.6 km/l. Safety is a standout feature as the Amaze proudly holds a 4-star rating from Global NCAP. It offers manual and automatic transmission options for diverse driver preferences. On the inside, this sedan showcases a beige and black interior theme with silver accents on the dashboard. Overall, the Honda Amaze is known for its fuel efficiency, safety features, and attractive design, making it an appealing choice in the sedan segment.

3.      Hyundai Aura

The Hyundai Aura, a subcompact sedan, offers five variants: E, S, SX, SX (O), and SX+. With options like Fiery Red and Typhoon Silver, among its six beautiful colours, there are customisation choices to suit diverse preferences.

The Hyundai Aura draws its power from a 1.2-litre petrol engine, offering the option of AMT transmissions. The 'S' and 'SX' models also provide a CNG variant with transmission. It comes packed with features, like an 8-inch infotainment system, a wireless phone charger, and safety elements, such as six airbags, ESC, and a rear parking camera. 

4.      Tata Tigor

The Tata Tigor offers versatility to buyers with its 12 available variants. Powered by an 1199 cc engine, it has both transmission and automatic options. Notable specifications of this 5-seater include its kerb weight and spacious 419-litre boot capacity. The Tigor is available in four colours. The vital aspects of this car include mileage, performance, and price. In terms of safety features, Tigor comes with dual airbags on the front side, ABS with EBD (Electronic Brakeforce Distribution), and rear parking sensors, which further enhance the overall driving experience, both in terms of convenience and security.

5.      Maruti Suzuki Ciaz 

The Maruti Suzuki Ciaz offers both manual and automatic (TC) transmission options. The engine has a capacity of 1462 cc, providing an average mileage of 20.65 km/l. Safety is given priority, as evident by its 4-star rating from ASEAN NCAP. It also offers a ground clearance of 170 mm. With seating for up to five people, the car measures 4490 mm in length, 1730 mm in width, and has a height of around 1485 mm. Furthermore, its fuel tank can hold up to 43 litres of fuel, making it a well-rounded choice with appealing features and specifications.

6.      Maruti Suzuki Swift Dzire Tour

The Maruti Suzuki Swift Dzire Tour is available in three colours: Midnight Black, Metallic Silky Silver, and Pearl Metallic Arctic White. This sedan focuses on efficiency as its core design principle. It comes equipped with a four-cylinder engine with a capacity of 1197 cc and a maximum power output of around 76.43 bhp at 6000 rpm. Notably, the CNG version of the car has a fuel efficiency of 31.12 km/kg, making it a cost-effective option, whereas the petrol variant offers a mileage of 23.15 km/l.

7.      Hyundai Verna 

With a starting price of Rs 10.96 lakh, the Hyundai Verna offers a fuel efficiency range of 18.6-20.6 km/l on petrol. Engine options ranging from 1482 cc to 1497 cc with manual and automatic transmissions are available. Safety features are exceptional, with a five-star Global NCAP rating, which is safer in comparison to its other counterparts. It has a range of premium features, including alloy wheels, six airbags, TPMS (Tire Pressure Monitoring System), front and rear parking sensors, automatic climate control, keyless start/stop system, cruise control, adjustable driver seat, leather upholstery, ventilated and heated front seats, electric sunroof, and a sizable 10-inch touchscreen infotainment unit that adds to its appeal.

8.      Skoda Slavia

The Skoda Slavia stands out as an attractive sedan, offering notable features. With its fuel efficiency ranging from 18.73 km/l to 20.32 km/l, it comes equipped with engines varying from 999 cc to 1498 cc, depending on the variant you plan to buy. The Skoda Slavia has a 5-star safety rating from Global NCAP and comes in automatic and manual transmission options. It is available in five variants: Active, Ambition, Onyx, Ambition Classic, and Style. What stands out for this sedan is its LED headlamps, 16-inch alloy wheels, a shaped front grille, and a massive boot space.

9.      Honda City

The Honda City has gained trust among consumers for its reliability and hassle-free performance. The latest upgrade introduces Advanced Driver Assistance Systems (ADAS), including collision mitigation, lane departure assist, adaptive cruise control, and more. With a mileage range of 17.8-18.4 km/l, this car comes powered by a 1498 cc engine. The Honda City has scored 5 stars in ASEAN NCAP, making it feature-packed without compromising its safety. This 5-seater sedan is available in both automatic and manual transmission options, which makes it an excellent sedan that's fuel-efficient and safe.

10.  Volkswagen Virtus

One of the premium cars in this segment is the Volkswagen Virtus. The petrol variant of this sedan offers an ARAI mileage of 19.62 km/l, thanks to its 1498 cc engine and 4 cylinders. It delivers a power of 147.51 bhp at 5000-6000 rpm and a torque of 250 Nm at 1600-3500 rpm. The Virtus is a 5-seater sedan with a boot space of 521 litres. Moreover, it comes with an automatic transmission for convenience. Over five years, the average service cost is estimated at just Rs 5,879. All these features make the Virtus an appealing choice for those seeking fuel efficiency, performance and cost-effective maintenance in a sedan.

Conclusion

Selecting the best sedan under 10 lakhs depends on your preferences and specific requirements. The options mentioned above offer a combination of style and affordability. It's vital to consider factors like fuel efficiency, advanced features and after-sales service when making your decision. Also, while every car in this list offers top-notch features, your choice depends on your needs. Additionally, taking test drives and comparing specifications will assist you in choosing the sedan that best suits your needs and budget. And finally, third-party motor insurance is mandatory, but you could consider opting for comprehensive car insurance for complete peace of mind.

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

Are you puzzled by terms like Depreciation, Insured Declared Value, and what is total loss in motor insurance? Let's unravel the mystery. Total Loss might sound, but it's when the cost of fixing your vehicle exceeds its value. It occurs after severe accidents or car theft. If damages reach 75% of your vehicle's Insured Declared Value (IDV), it's often declared a Total Loss. But fear not! If your car or other vehicle falls into this category, your insurer will compensate you with an amount equal to the IDV after deductibles. So, when life throws you a curveball, you'll be prepared to navigate it confidently.

What is Total Loss?             

If you are wondering what is total loss in insurance, here is a detailed explanation for you. It might sound like a daunting term, but at its core, it signifies a pivotal moment in vehicle insurance. Imagine a scenario where your vehicle faces significant damage due to a severe accident or unfortunate theft. So, what makes a car total loss? Total loss happens when the cost of repairing these damages surpasses the vehicle's value. It's like reaching a crossroads where it becomes more economical to bid farewell to the old and welcome the new.

In simple terms, total loss signifies the point of no return for your vehicle regarding repair costs. It's a determination made by insurers to ensure that the cost of getting your vehicle back on the road doesn't outweigh its actual value. This concept acts as a safeguard, preventing policyholders from sinking excessive funds into a damaged vehicle. Total loss is a significant juncture where practicality meets economics, making it a crucial term to understand in the realm of car insurance.

What Type of Damage to My Vehicle is Considered a Total Loss?        

Now you know about total loss, let us now understand what makes a car a total loss? It isn't a term thrown around lightly in car insurance. It comes into play when the damage to your vehicle reaches a significant threshold. Specifically, if the cost of repairing the damages exceeds 75% of your vehicle's Insured Declared Value (IDV), it's often classified as a Total Loss.

Imagine your vehicle as a puzzle, with each piece representing a repair cost. When the combined cost of these pieces exceeds three-quarters of your vehicle's IDV, it signals that the vehicle might be better off retired. This determination is practical, ensuring that resources are allocated wisely, and policyholders aren't left with a vehicle that's more a financial drain than an asset.

In essence, the extent of the damage and the subsequent repair costs play a crucial role in whether your vehicle is considered a Total Loss. It's a careful calculation designed to balance practicality and economics, ultimately guiding insurers and policyholders toward the best course of action for their vehicles.

How is Total Loss Calculated?                   

Calculating total loss involves a combination of mathematics and market value assessment. The process considers the Insured Declared Value (IDV) of your vehicle and the cost of repairing the damages. If the cost of repairs surpasses 75% of the IDV, the vehicle is often classified as a Total Loss. To simplify this, let's break down the calculation:

The IDV is essentially the approximate market value of your vehicle, and it decreases as your vehicle ages. When the repair costs exceed 75% of this value, it's a clear signal that repairs might not be economically viable. This threshold is a crucial checkpoint to determine if the vehicle is a Total Loss. This calculation ensures a practical and balanced approach to vehicle repair, considering both the value of the vehicle and the costs involved.

Total Loss Claim Settlement Process         

Navigating a total loss claim can seem complex, but the process is conveniently streamlined. Here's a breakdown of the steps involved:

• Initiate the Claim: Contact your insurer to initiate the Total Loss claim. Provide details of the incident, damages, and relevant documents.
• Assessment by Surveyor: An independent surveyor will assess the extent of damages and verify if repair costs exceed 75% of the Insured Declared Value (IDV).
• Verification of Admissibility: Once the surveyor confirms the extent of damages, your insurer will determine the admissibility of the claim.
• Compensation Calculation: If your vehicle is classified as a total loss, compensation will be calculated based on the IDV minus deductibles.
• Documentation Submission: Submit necessary documents, including the Registration Certificate (RC), to process the claim.
• Claim Approval: Upon verification, the claim will be approved, and compensation will be provided, considering deductibles and other terms.
• Vehicle Disposal: If your vehicle is declared a Total Loss, you'll need to cancel the Registration Certificate at the Regional Transport Office (RTO) and obtain a cancellation certificate.
• Claim Settlement: After completing the required formalities, your claim will be settled as per the agreed terms, ensuring a smooth resolution.

Frequently Asked Questions

What happens if my vehicle is totalled?

A situation where your vehicle is deemed a total loss can be unnerving. However, in such cases, your insurer steps in to provide compensation. If your car is declared a total loss, you'll receive an amount equal to the Insured Declared Value (IDV) of the vehicle after deductibles are taken into account. It ensures you're not left empty-handed and can move forward without shouldering the entire financial burden.

How much can I claim in case of a total loss?

The compensation you can claim in the event of a total loss hinges on your vehicle's Insured Declared Value (IDV). This value considers factors like your vehicle's age and condition. If the cost of repairing exceeds 75% of the IDV, your car might be declared a total loss. In such cases, you'll be eligible to claim the full IDV amount, less the deductible. This compensation ensures you're not left out of pocket due to unforeseen circumstances, providing you with a safety net in times of loss.

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

MUVs, or Multi Utility Vehicles, are becoming increasingly popular in India. They are gaining popularity among customers who want more space, comfort, and functionality than a regular car offers. MUVs are like mini-vans that can seat up to eight people, carry large loads, and even tow a trailer. They are also loaded with features and technology that make driving safe, convenient, and enjoyable. In this article, we’ll discuss the 10 best MUV cars in India.

Detailed List of the Best MUV Cars in India

Listed below are the best MUV cars in India:

Let’s explore each of these in detail:

1. Toyota Innova Crysta

The Toyota Innova Crysta is a MUV that needs no introduction. Its 2.4L diesel engine produces 147.51bhp of power and 343Nm of torque, making it perhaps the best MUV in India. Additionally, it has eco and power drive modes to ensure it performs to your specifications.

Now, let's talk about its looks. Crysta has a bold chrome surround piano-black grille, sleek LED headlamps that catch your eye, and these stylish diamond-cut alloys that add that extra touch of class. You will find plush leather seats, a classy ambient illumination setup, and classy wood-finish panels that scream elegance when you step inside. Here, the safety is not compromised either. You are in good hands with 7 SRS airbags, vehicle balance control, and hill start assist control.

2. Maruti Suzuki Ertiga

This 7-seater MUV offers the best-in-class performance and comfort. This MUV features a K15C Smart Hybrid petrol engine and delivers power and torque of 101.65 bhp and 136.8 Nm, respectively. 

You also get the CNG option in this model, which gives a 26.11 km/kg mileage. The Ertiga has a 6-speed automatic transmission with paddle shifters and a 2WD drive type. 

Let's discuss the dimensions:

Ertiga's length is 4395 mm, width is 1735 mm, height is 1690 mm, and wheelbase is 2740 mm. 

Featuring 209 litres of boot space and a 45-litre fuel tank, the Ertiga also boasts advanced technology, including a 17.78 cm Smartplay Pro with Arkymys Sound, quad airbags, an electronic stability program, and hill hold assist. 

3. Toyota Rumion

The Toyota Rumion offers a stylish and spacious ride for Indian families. It has a 1.5-litre K series engine that delivers outstanding performance and fuel efficiency. The engine comes with Neo-drive and E-CNG technology, which can reduce emissions and running costs. The Rumion also has a 6-speed automatic transmission option for smooth and convenient driving.

While exploring the interior, this car has a 7-inch touchscreen infotainment system with wireless Apple and Android connect options, automatic climate control, cruise control, and rear AC vents. 

4. Renault Triber

Another powerful MUV you can't afford to skip is the Renault Triber. 

Its 1.0-litre petrol engine can deliver 72 PS of power with a torque of 96 Nm. Accepting that each driver has varied driving styles, the manufacturer gives the option to pick from a 5-speed manual or an easy-R AMT transmission.

Many Renault Triber owners call this model a reliable choice. Do you know why? The reason is it has received a 4-star rating for adult occupant safety and a 3-star rating for child occupant safety by Global NCAP. It also has various safety features, such as dual front airbags, ABS with EBD, rear parking sensors, and a speed alert system.

5. BYD E6

The BYD E6, a hybrid MUV, combines eco-friendliness, performance, and technology in a futuristic design. With a 70 kW electric motor generating 450 Nm of torque, it boasts a range of 415 km per charge.

The E6 also has an innovative and spacious interior, with a digital instrument cluster, leather seats, a touchscreen infotainment system, and six seats. 

It has six airbags, a tyre pressure monitoring system with EBD, and an electronic stability program to ensure safety. The E6 also has a sleek look, with LED headlamps, LED DRL, chrome grille, and 16-inch alloy wheels. The car is available in four colours: Glacier White, Sky Blue, Coral Red, and Pearl Black.

6. Kia Carens

The Kia Carens is a multi-utility vehicle that combines style and space in a smooth and refined package. Whether you choose the diesel or the petrol variant, you will get a powerful, efficient 1.5-litre engine that can easily take you anywhere. The Carens also boasts a luxurious and spacious cabin with leather upholstery, silver trim, and seven comfortable seats. 

The car is also loaded with cutting-edge safety components, such as six airbags, ABS with EBD, electronic stability control, and rear parking sensors. 

The Carens also has a sophisticated appearance, with projector headlamps, LED DRL, chrome grille, and 16-inch alloy wheels. The car is available in seven stunning colours to suit your taste.

7. Toyota Innova Hycross

What if you could have the best of both worlds—the spaciousness and comfort of a MUV and the performance and efficiency of a hybrid? Introducing the Toyota Innova Hycross, the first Innova to feature a monocoque frame, a front-wheel drive system, and a self-charging hybrid electric technology.

The Innova Hycross runs on the newest 2.0L TNGA petrol engine and features the highly advanced 5th generation self-charging hybrid electric system. This consolidation yields a maximum power output of 184 bhp and an impressive fuel economy of 23.24 kmpl, making it the best in its segment.

8. Maruti Invicto

This car is a rebadged adaptation of the Toyota Innova Hycross but with a distinct design language that sets it apart from the crowd. The Invicto features signature elements like the NEXTre's LED Headlamps, LED Tail lamps, and the NEXWave Grille with urbane chrome accents. The Invicto also boasts a panoramic sunroof, a 360-degree camera, and a 10.1-inch touchscreen infotainment system with Apple CarPlay and Android Auto.

But the Invicto is not just about looks but also about substance. The Invicto is powered by a 2.0-litre engine that delivers 183bhp and comes with an e-CVT transmission. What makes the Invicto extraordinary is its advanced electric hybrid system that can drive on battery power alone and operate in fuel-efficient zero-emissions mode.

9. Mahindra Marazzo

The Marazzo is inspired by the majestic shark, with a sleek design, powerful performance, and unmatched safety. 

The Marazzo offers best-in-class space for up to eight adults, with an unparalleled shoulder room in the initial two rows and leg room in the last row. You can also fold the seats to create a massive boot capacity of 1055 litres to fit all your luggage.

The Marazzo has a Front-Wheel Drive system, reducing weight and improving fuel efficiency. It also has an Electric Power Steering, which makes steering effortless and precise. And with a short Turning Radius of just 5.25 metres, you can easily navigate through narrow lanes and tight parking spots.

10. Maruti Suzuki XL6

The XL6 has a distinctive design that sets it apart from the crowd. It features a bold front grille with a sweeping X-bar element, quad chamber LED reflector headlamps with DRLs, smoke grey LED tail lamps with a light guide, sporty roof rails, a back door spoiler, and dual-tone machined finish R-16 alloy wheels. The XL6 is available in six monotones and three dual-tone shades, so you can choose the one that suits you.

The XL6 also has a CNG variant that offers 87.83PS and 121.5Nm of torque. It boasts impressive fuel efficiency figures of 20.97kmpl for the petrol MT, 20.27kmpl for the petrol AT, and 26.32km/kg for the CNG MT.

Conclusion

In conclusion, the Indian automobile market constantly evolves and offers car enthusiasts a wide range of options. We have discussed the top MUV cars in India that are perfect for different purposes and budgets. Whether you have a big family or love to go on off-road adventures, there is a perfect MUV for you out there. As a friendly reminder, don't forget to secure your new ride with reliable car insurance to protect both yourself and your investment.

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

Electric vehicles have gained popularity in India due to their environmental friendliness and relatively lower running costs. Also, the Indian government is committed to its promotion. India is now the 3^rd largest vehicle market in the world. Hence, electric vehicles will occupy an important space in our country’s transportation landscape.

However, the advantages of electric vehicles are not just limited to their lower running costs and their low carbon footprint.

In this blog we will discuss the major advantages of EVs in depth, helping you understand why they are viable alternatives to the traditional internal combustion engine-based cars. We will also understand the electric vehicle insurance aspect, helping you understand the need for EV insurance and guide you on how to choose the insurance coverage for your electric vehicles.

Electric Vehicle Advantages

Discussed below are 10 primary advantages of e vehicles -

Advantage 1: Environmentally Friendly

Contrary to traditional vehicles, EVs produce zero tailpipe emissions. This eliminates harmful pollutants that otherwise contribute significantly to air pollution and climate change.

EVs use electricity as their power source. This eliminates the need for burning fossil fuels like petrol or diesel. This directly reduces greenhouse gas emissions (GHG). We know that GHGs are major contributors to global warming.

The absence of tailpipe emissions also makes EVs ideal for urban areas. Why so?

Because urban areas struggle with poor air quality especially due to vehicular pollution. Smog is also an issue of increasing concern in urban areas in India. The promotion of EVs therefore can significantly improve air quality in urban areas.

Additionally, EVs can be charged using renewable energy sources such as solar and wind power. This can further reduce their environmental impact. In essence, EVs with their lower carbon footprint can help India meet its commitments under the Paris Deal.

Advantage 2: Lower Running Costs

Electronic vehicles have lower running costs as compared to traditional ICE vehicles. This really is one of the main advantages of electric vehicles (EVs). This is due to several factors associated with EVs.

Firstly, EVs use electricity and not petrol or diesel. This results in substantial savings on fuel expenses.

Also, charging an EV cost much less than refuelling a traditional vehicle. This difference becomes even more important when considering the rising crude oil prices.

Moreover, if renewable energy sources like solar power are used to charge EVs it can further reduce electricity costs.

Secondly, EVs have simpler mechanics and require less maintenance. Their mechanics result in fewer moving parts to wear out or replace. This translates to lower maintenance expenses over time. Hence, EVs are a cost-effective choice even in the long run.

This combination of reduced fuel and maintenance costs makes EVs a financially attractive option for budget-conscious consumers.

Advantage 3: Minimal Maintenance Expenses

Another important advantage of EVs is that their maintenance expenses are minimal.

Traditional vehicles have complex internal combustion engines. However, this is not the case with EVs. EVs have fewer moving parts. This means less wear and tear. Eventually, this means lower maintenance costs over time.

So, if you own an EV expect fewer visits to the service centre. There will be reduced expenses on components like oil changes, exhaust systems, and cooling systems.

Regenerative braking in EVs also helps extend brake life by minimizing wear on brake pads. This does not mean that routine checks are not required for your electric vehicle. Routine checks and servicing are still necessary for optimal performance.

However, the simplified mechanics of EVs do contribute to a financially smoother ownership experience. This aspect saves money. It also reduces the time and hassle associated with vehicle maintenance.

Advantage 4: Financial Incentives

Another advantage of e vehicles is their appealing financial incentives to encourage their adoption. The Indian government offers various policies to make EV ownership more attractive.

It has taken significant measures to accelerate the adoption of EVs. They are promoting the installation of EV charging stations by providing capital subsidies through the FAME India Programme Phase II and state-level measures.

The government has introduced incentives such as:

• PLI Scheme
• Battery Switching Policy
• Special Electric Mobility Zone
• Tax Reduction on EVs.

These incentives target not only consumers but also local battery manufacturing. GST on electric vehicles now stands at 5% from earlier 12%. On chargers/charging stations, it has been reduced from 18% to 5%. The Ministry of Road Transport and Highways (MoRTH) has announced green license plates for battery-operated vehicles. MoRTH's notification has also advised states to waive road tax on EVs.

Advantage 5: Future-Ready Mobility

Electric vehicles (EVs) represent a future-ready mobility solution that aligns with global trends and India's sustainable development goals. As countries worldwide pledge to reduce reliance on fossil fuels, EVs emerge as a forward-looking alternative.

India's commitment to cleaner energy sources is evident in its proactive measures to promote EV adoption. EVs offer a seamless transition towards sustainable transportation. They really are an important component of the strategy to address climate change concerns. By embracing EVs, individuals contribute to a transportation ecosystem that supports long-term environmental preservation.

The growth of EV technology is a transformative shift in the transportation landscape. India can position itself as a key player in the global transition to electric mobility. In fact, we have already surpassed Japan to become the 3^rd largest vehicle market in the world in 2022. EVs ensure that India's transportation landscape remains relevant and adaptable in a world focused on reducing carbon emissions.

Advantage 6: Enhanced Performance

Electric vehicles’ enhanced performance is one of the important advantages of e vehicles. Modern EVs feature advanced design and technology that deliver impressive driving experiences. The lightweight nature of EVs contributes to rapid acceleration and agility.

Electric motors provide instant torque, resulting in a smooth acceleration from a standstill. This improved performance not only matches but often surpasses that of conventional vehicles in some cases.

As manufacturers further invest in EV design, aesthetics, and functionality, the performance of these vehicles is only going to further improve. These advancements in performance not only make EVs enjoyable to drive but also contribute to their suitability for various driving conditions be it city commuting and highway cruising.

Advantage 7: Convenient Home Charging

Another unparalleled advantage of EVs is convenient home charging.

Traditional vehicles require trips to petrol stations. But, EVs can be conveniently charged at home. This eliminates the need to find fuelling stations and wait in line.

Home charging stations can be installed in a garage or driveway. This makes the charging process as simple as plugging in a device. EV owners can conveniently charge their vehicles overnight, taking advantage of off-peak electricity rates and ensuring a full battery in the morning.

EV owners can also benefit from battery-swapping services. This further enhances the convenience of EV ownership by eliminating concerns about the availability of conventional fuel.

Advantage 8: User-Friendly and Quiet

Electric vehicles (EVs) offer a user-friendly and quiet driving experience. With simplified controls and fewer moving parts, EVs are easier to operate. Hence, it is easier to drive them. The absence of a conventional internal combustion engine results in remarkably quiet operation. This reduces noise pollution in urban areas which is a significant concern nowadays. This aspect also enhances the comfort of passengers.

EVs are equipped with features that simplify driving, such as regenerative braking that recharges the battery while slowing down the vehicle. This user-friendly approach extends to the charging process as well. EVs can simply be charged by plugging in at home or using public charging stations.

Advantage 9: Optimized Space Utilization

Electric vehicles (EVs) excel in optimized space utilization. EVs offer more cabin space due to fewer moving parts compared to traditional internal combustion engine (ICE) vehicles. This enables manufacturers to design spacious and comfortable interiors. This in turn provides a friendly driving experience for passengers.

The absence of a bulky ICE engine also creates opportunities for innovative storage solutions. Additional storage compartments can significantly enhance convenience for car owners. EV drivetrain components are compact in size. This also allows for smarter placement of storage spaces.

Hence, EVs provide more versatile and adaptable interiors. This optimized space utilization not only enhances the overall car ownership experience. It is also a demonstration of the flexibility and innovation that EV technology brings to modern transportation.

Advantage 10: Long-term Savings

Another advantage of electric vehicles to EV owners is that they benefit from reduced running costs. This is due to lower electricity prices as compared to traditional fossil fuels. So, charging an EV is significantly cheaper than refuelling a petrol or diesel vehicle.

EVs have fewer moving parts and simpler mechanics. So, maintenance expenses are also lower. The combined effect of lower running costs and maintenance costs results in substantial long-term savings.

Beyond these savings, the government also offer financial incentives. For instance, in India, we have reduced GST rates to promote EV adoption.

With these combined financial advantages, EV ownership becomes a financially prudent choice in the long run.

Frequently Asked Questions

Do I need Car Insurance for Electric Vehicles?

Yes, car insurance or electric vehicle insurance is mandatory just like for any other vehicle.  Third-party car insurance is mandatory in India under the Motor Vehicles Act and EVs are no exception to this.

Like any other vehicle, EVs also face risks like accidents, theft, and damage. Hence, EV insurance is crucial for your EV too. It provides financial protection, covering repair costs and liabilities in case of accidents. While EVs might have lower maintenance costs, EV insurance remains crucial to protect against unexpected events. This ensures you are stress-free while enjoying the benefits of eco-friendly transportation

Which insurance cover should I consider for an electric vehicle?

Alternative question “What type of insurance should I purchase for my electric vehicle?”

Similar to ICE vehicles, EVs can face risks such as accidents, fire, and theft. Having proper insurance coverage is vital to safeguard your EV.

Like for other cars, electric vehicle insurance is also of two types- Comprehensive car insurance and third-party car insurance. Opting for Comprehensive Insurance for your electric vehicle provides coverage for both Own Damage and third-party liabilities. Third-party EV insurance provides safeguards only against liability to third parties. Hence comprehensive car insurance for electric vehicle insurance is ideal to protect your electric vehicle. It will help you mitigate potential financial losses in case of accidents, theft, or damage to the electric vehicle.

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