Have you ever dreaded driving in bumper-to-bumper traffic, constantly shifting gears, and feeling the strain on the hands and legs? Just imagine how easy commuting will be when these efforts are not needed. Automatic cars promise a perfect blend of comfort and ease, from smooth gear transitions to stress-free driving.

But which one tops the list? Let's dig into some of the best automatic cars in India.

Top Automatic Cars in India

• Maruti Suzuki Baleno

Maruti Suzuki Baleno is one of the most excellent automatic cars in India. It offers a smooth CVT shift experience and a comfortable ride.

• Hyundai i20

The Hyundai i20 is among the most preferred automatic cars in India. The hatchback boasts sleekness and sophisticated IVT (Intelligent Variable Transmission). Whether it is a highway experience or city traffic, i20 offers a pleasant drive.

• Honda City

Honda City has reached the topmost position in the list of automatic cars in India. Supported by a robust engine and high-end CVT, it offers a very smooth ride. The car has always been known for its optimum reliability and build quality. It also has many safety features, making it the perfect blend of performance and security.

• Tata Nexon

The Tata Nexon is the safest and most performing auto car in India. It features a 6-speed AMT, or Automated Manual Transmission, which balances power with better fuel efficiency. Packed further with a 5-star Global NCAP safety rating, this is one of the best cars in India.

• Kia Sonet Turbo iMT

The Kia Sonet is one of the latest subcompact SUVs to gain popularity in the market. Its dual-clutch transmission results in ultra-smooth gear shifts, making this car great fun to drive even through heavy traffic. With bold designs, advanced features, and spacious interiors, this car is among the top automatic cars in India.

Conclusion

Automatic cars are no longer a luxury in India; they have become practical and convenient for daily driving. Besides comparing automatic car models, evaluate car insurance online or seek agent recommendations for insurance premium quotes from different insurers. The insurance premium varies according to the features, add-ons, and exclusions. 

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 It may contain outdated data and information regarding the Insurance industry and products.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 planning to go green with your next car? If you have a big family or simply love going out with your group, a 7-seater electric car may be the perfect fit. Featuring all the features of an SUV, these EVs offer space, comfort, and sustainability under one roof. The 7-seater EV segment is only going to grow in India, with several promising models lined up.

Top 7-Seater Electric Cars in India

The following are the best 7-seater electric cars in India:

• Mercedes-Benz EQB | Starting ₹77.75 Lakh

With its plush ride, automatic climate control, panoramic sunroof, and arithmetic range of 423 km per charge, the Mercedes-Benz EQB is a top choice in the luxurious 7-seater electric SUV category. For its charging, it claims 0-80% in just 32 minutes.

• Volvo EX90 | Starting ₹1.50 Crore

This SUV entered production in June 2024. It boasts style and performance and can travel up to 524.9 km on a single charge. It's loaded with luxury features and advanced safety systems that will make every drive fun and memorable.

• Kia EV9 | Starting ₹80 Lakh

This model, launched in October 2024, promises a robust range of 647-680 km per charge. The interior is spacious and loaded with ample safety features, making it highly suitable for family needs.

• Mercedes EQS SUV | Starting ₹2 Crore

Launched in October 2024, the Mercedes EQS SUV EV boasts a range of 535-659 kilometres on a single charge, with interiors that exude luxury and advanced systems for a smooth driving experience.

• Skoda Vision 7S | Starting ₹60 Lakh

The electric SUV will be on Indian roads in December 2026, promising to give a range of 600 km. Equipped with modern design elements and ample interior spacing, this should be an ideal choice for family outings.

• Tata Nexon EV Max | Expected Price ₹20 Lakh

This upcoming 7-seater promises to be a show-stealer. It has features such as a 30.2 kWh battery and a range of over 337 km, perfect for city driving. A panoramic sunroof and automated climate control are additional features.

• Hyundai Ioniq 7 | Expected Price ₹70 Lakh

The Ioniq 7 is set to hit the market soon, with a sleek design and a robust electric drivetrain. With an expected range of approximately 600 km per charge, it promises long-distance travelling without a hitch.

Conclusion

India is moving toward sustainability, propelled by the latest developments in 7-seater electric vehicles. While considering the selection, remember vital points like battery range, safety, and comfort. One thing that must not be ignored is acquiring car insurance online, which can safeguard your investment and help you keep up with its maintenance. The future of driving is electric, and it's exciting to see how these cars would transform our journeys while being kinder to the environment.

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.  

Ford has been a unique brand in the Indian auto industry. Whether it's robust performance, stunning appearance or dependability, Ford vehicles in India have captured the hearts of car lovers in every category. In addition to providing a pleasant driving experience, Ford vehicles also have very simple and reasonably priced car insurance online. This article will provide details on the top Ford cars in India that offer an excellent balance of performance and style.

Top Ford Cars in India

1. Ford EcoSport

It is one of the most popular SUVs in India. Ford EcoSport sticks out from the crowd thanks to its compact size and powerful performance. The 1.5-litre petrol and diesel engine options for the EcoSport provide great power and fuel economy. This car is a fantastic option for long journeys because of its safety features and infotainment system, which is loaded with the latest technology.

2. Ford Endeavour

The Ford Endeavour is a high-end SUV made for off-road adventure. Its 2.0-litre diesel engine generates 420 Nm of torque and 170 bhp. Thanks to its roomy cabin and cutting-edge safety features, it is among the most popular Ford vehicles.

3. Ford Freestyle

The Ford Freestyle is a small crossover that perfectly combines style and potent performance. There is a 1.5-litre diesel engine option in addition to a 1.2-litre gasoline engine. Young drivers love it for its affordability and mileage. The Freestyle is a dependable and safe choice because of its numerous safety features, which include dual airbags, ABS and a rear parking camera.

4. Ford Figo

An excellent hatchback option for city driving is the Ford Figo. Its 1.5-litre diesel and 1.2-litre petrol engines offer excellent power-to-mileage ratios. In addition, it has numerous cutting-edge technologies like smartphone connectivity and a touchscreen infotainment system. When it comes to the best Ford cars in India, the Figo is a strong contender.

Conclusion

Ford vehicles have a long history of being popular in India and provide a fantastic blend of performance, style and power. Ford offers vehicles to suit any kind of customer, whether they are searching for a hatchback or an SUV. Additionally, it's simple to get Ford car insurance for these vehicles, giving your vehicle greater 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.  

The first thing people consider when buying a car in India is the budget. Even on a small budget, there are many cars available that are not only inexpensive but also convenient and efficient. Automobile companies have launched many affordable and good cars in the Indian market. These offer the best combination of mileage, performance and style. In this article, we will look at some of the cheapest cars in India that you can consider.

Best Budget Cars in India

Renault Kwid

Price: ₹4.69 Lakh to ₹6.44 Lakh

The Renault Kwid is a compact hatchback that offers the perfect combination of stylish design and affordable price. The 1.0-litre petrol engine produces 67 horsepower and can run at 21.7 km/litre. It has more features at an economical price, making it one of the best-cheapest cars in India.

Maruti Suzuki S Presso

Price: ₹4.26 Lakh to ₹6.12 Lakh

The S-Presso's high ground clearance and SUV-like design make it stand out at an affordable price point. The 1.0-litre gasoline engine produces 67 horsepower and can run around 24 km/litre.

Maruti Suzuki Alto K10

Price: ₹3.99 Lakh to ₹5.96 Lakh

Maruti Suzuki Alto K10 is the most popular best-budget car in the Indian market. The 1.0-litre petrol engine produces 67 horsepower and offers a mileage of up to 24 km/litre. This car is ideal for small families and city travel.

Tata Tiago

Price: ₹5.59 Lakh to ₹8.19 Lakh

Tata Tiago is a compact hatchback known for its strong build quality and safety features. The 1.2-litre petrol engine produces 84 horsepower and offers a mileage of up to 19 km/litre. This car is a good choice with great features at an affordable price.

Maruti Suzuki Wagon R

Price: ₹ 5.54 lakh to ₹ 7.21 lakh

Standing tall and providing plenty of space and storage choices, the Wagon R is a special example of a multipurpose hatchback. It is perfect for quick city commuting because of its fuel-efficient engine, pleasant ride and decent features.

Conclusion

There are many cheapest cars available in the Indian market. Whether you want a small hatchback or something more stylish like an SUV, there are plenty of options within your budget. When buying a four-wheeler, get car insurance for financial protection against accidents, damage and theft.

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.  

India has always had a strong demand for mid-size cars, particularly from those looking for vehicles with stronger engines and greater fuel efficiency. Due to their excellent power-to-performance ratio, 1500cc cars are very popular in this class. In this article, we will discuss some of the best 1500cc cars in the country.

Top 1500cc Cars in India

Hyundai Creta

The Hyundai Creta is renowned for both its excellent performance and features. Its 1497cc engine produces 144Nm of torque and 115PS of power. Beyond this, driving this car is a comfortable experience. Also, car insurance policies for Creta are likewise extremely reasonable.

Maruti Suzuki Ciaz

With its 1500cc engine, this Maruti car offers exceptional performance and fuel efficiency. The Ciaz's engine produces 138 Nm of torque and 103 PS of power, making it the perfect vehicle for lengthy drives. Its name appears significantly on the list of best 1500cc cars in India.

Honda City

Honda City is well-known in India for its performance and luxury. Its 1498cc engine produces 145Nm of torque and 121PS of power. This vehicle is renowned for its luxurious amenities and comfort.

Kia Seltos

The Kia Seltos's 1497cc engine produces 115PS of power and 144Nm of torque. This SUV is renowned for its powerful performance, excellent safety features, and fashionable appearance. It's also a premium alternative among the cars in this segment.

Tata Nexon

The Tata Nexon's robust body and safety are well-known. It has a 1499cc engine that produces 260 Nm of torque and 110 PS of power. Because of its safety features and excellent mileage, it is among the top 1500cc cars in India.

Conclusion

Indians view 1500cc cars as having an excellent balance of features, power and fuel economy. There are many choices in this category for you, regardless of your preference for an SUV or a sedan. Remember that it is important to select the right car insurance to safeguard your vehicle and yourself against unforeseen events.

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.

Sports cars have long been a symbol of speed, style and performance, attracting car enthusiasts worldwide. In India, the demand for these high-performance vehicles has been steadily growing, with more people drawn to their thrilling driving experience and cutting-edge technology. Global automotive brands are bringing their best sports cars to the Indian market, offering everything from luxurious designs to powerful engines. In this article, we will take a closer look at some of the top sports cars available in India and what makes each of them a standout choice for passionate drivers.

Top Sports Cars in India

Here are some of the best sports cars in India:

•     Porsche 911

The Porsche 911 is one of the iconic sports cars globally. Known for its perfect balance of style and performance, the Porsche 911 offers a thrilling driving experience. Its powerful engine options and excellent handling make it one of the top sports cars in India.

•     Audi R8

The Audi R8 is a supercar with a V10 engine that delivers extraordinary speed and acceleration. It combines sleek looks with powerful performance. The R8 also comes with advanced technology, making it a favourite among sports car enthusiasts in India.

•    Jaguar F-Type

The Jaguar F-Type is a luxury high-performance sports car with a striking design and strong performance. It offers various engine options, from turbocharged to V8, ensuring speed and power. The Jaguar F-Type is a great combination of comfort and performance, making it one of the best sports cars in the market.

•     BMW Z4

The BMW Z4 is a stylish convertible that offers open-top driving pleasure. With its powerful engines and sporty feel, the Z4 provides a smooth and exciting driving experience. It’s also loaded with luxury features, making it a top choice for those looking for a blend of style and performance.

•     Mercedes-AMG GT

The Mercedes-AMG GT is a luxury, high-performance sports car that delivers extreme speed and luxury. Its design and powerful engine make it one of the most desired sports cars in India. The AMG GT is perfect for those who want both luxury and high-speed excitement.

•     Nissan GT-R

The Nissan GT-R is known as the “supercar killer” due to its great performance at a relatively affordable price. It is packed with a twin-turbocharged engine and advanced features, which makes it one of the top sports cars in India for those seeking both performance and value.

Conclusion

The best sports cars in India offer a mix of power, style, and advanced technology. Whether you’re interested in the luxury of the Mercedes-AMG GT or the speed of the Nissan GT-R, these top sports cars provide something for every enthusiast. While owning a sports car is a thrilling experience, it is important to protect your vehicle with car insurance. Having the right car insurance will ensure that your investment is secure and help cover any unforeseen incidents, allowing you to enjoy your sports car to the fullest.

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 have been researching car insurance, the term "compulsory PA cover for owner-driver" must have come up sometime. It does sound somewhat technical, but it is part of your motor insurance policy and refers to personal accident (PA) cover. Let’s understand in more detail what is compulsory PA cover for owner-driver.

Is Owner-Driver Personal Accident Cover Compulsory?

What is compulsory owner-driver personal accident cover? The compulsory PA cover for owner-drivers stands as a guarantee that, first and very crucially, you, the vehicle owner, are insured from accidents that may result in injury, disability, or death. Here's a simple breakdown:

• Protection From Injuries: This cover compensates if you, the owner-driver, get hurt in an accident.
• Disability Coverage: In case of permanent disability following an accident, coverage assures you that there will be some source of income to replace your lost earning capacity.
• Death Benefits: If the accident is fatal, your family will be paid.

The Insurance Regulatory and Development Authority of India (IRDAI) has announced that effective January 1, 2019, while PA coverage is mandatory, it need not be bundled with every new motor insurance policy. If you already have the required PA cover, you don't need to repurchase it for additional vehicles. Hence, if someone were to ask you, “Is owner-driver personal accident cover compulsory?” or “Do I need personal accident cover on my car insurance?” The answer would still be “Yes”.

Conclusion

Overall, compulsory PA cover for owner-drivers is an integral part of car insurance that provides vital protection in the event of accidents. It is obligatory so that you and your near and dear ones may get financial protection. Hence, when renewing or purchasing a new vehicle, ensure to have this cover.

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 are in the market for a used car in India, you are likely pondering the cost of insuring your vehicle. Car insurance is mandatory in this country, offering vital protection against financial losses in situations like accidents, theft, and natural disasters. But how is the insurance premium for a used car determined, and what factors come into play? Let's get into these questions and provide insights into the factors influencing the insurance for used car premium costs in India.

What are the Factors That Affect Used Car Insurance Premium?

The car insurance for used car premiums depends on various factors, such as:

• Type and Model

High-end or luxury vehicles typically come with pricier premiums because of their costly repairs and spare parts. Conversely, more affordable and compact cars often have relatively lower premiums.

• Age of the Vehicle

The age of your car is another vital element in deciding your insurance premium. That is because older cars often have a lower market value, which means there is less financial risk for the insurance company. As cars get older, their depreciation value goes up, reducing potential claim amounts. 

• Insured Declared Value

IDV is the maximum amount the insurance company promises to pay in case your vehicle is completely lost or stolen. The current market value of your car determines it. If it is higher, your insurance premium will also be higher.

• Geographical Location

The location where the car is registered also affects the second-hand car insurance premium. Urban areas are more prone to accidents, theft, and vandalism, leading to increased risks for the insurance company. Hence, car owners in these areas may be charged higher premium amounts.

• No Claim Bonus

A No Claim Bonus (NCB) is a perk that insurance companies offer you if you have not made any claims throughout your policy period. Gathering NCBs can substantially lower your insurance premium and encourage safe driving habits.

Conclusion

In conclusion, while buying a used car is a wise move to save money and reduce stress, always remember to consider the insurance side of your purchase because it can affect your finances and protection. By grasping the factors influencing second-hand car insurance costs in India, you can make a knowledgeable decision and secure the best deal for your vehicle.

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

If you are thinking about buying or selling a used car, you might be curious about its market value. and what factors play a role in deciding its worth. Well, there's no straightforward answer to this question because the used car values depend on various elements, which can differ from one car to another and from one seller to a buyer. In this article, we’ll explore some of these key aspects in detail.

What are the Factors That Affect Used Car Valuation?

Here are some of the most important factors that affect the used car values:

• Condition of the Vehicle 

Car condition includes how much wear and tear the car has undergone with age. Your car's value primarily depends on the extent of the damage it has. You can expect a good deal if your vehicle has zero scratches, a working engine, an appealing interior, and an AC in running condition.

• Number of Kilometres

The odometer reading is another important aspect to consider when determining your car's value. If your car has a high number of kilometres on the odometer, its value will typically be lower. This is because the car has seen more use, leading to increased wear and tear.

• Service History

Your car's service history offers valuable insights into its current condition. Having a complete service history can enhance your car's resale value. It assures potential buyers that you have taken good care of the vehicle, with regular professional check-ups at frequent intervals.

• Accident History

When it comes to the value of a car, it is clear that damaged cars are worth less. However, the same applies even if a vehicle has been fully repaired after an accident. The car's worth depends on the extent of the damage. The car's resale value may not be significantly affected if it is just cosmetic damage. But if your car has suffered significant structural or mechanical damage, it could dramatically reduce its value in the valuation process.

Conclusion

In conclusion, several factors influence the valuation of used cars in India. When assessing the value of a used car, it is essential to consider all these factors, and you’re sure to be on the right track. It is worth noting that there is no fixed formula or rule for determining the value of a used car. Thus, it is a good idea to first conduct some research before buying or selling a used car. Car insurance provides financial protection during the selling process, ensuring that you don’t face unexpected expenses if an accident occurs before the sale is finalized.

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

You have researched and identified a used vehicle that matches your needs and fits your budget. However, before you conclude the deal, car insurance is one more crucial factor to account for.

Car insurance for older cars is a legal requirement and a savvy way to safeguard yourself and your vehicle from unexpected risks. Yet, how do you select your used car's ideal car insurance policy? And what impact does your used car's valuation have on your car insurance premium and coverage? We will answer these questions in the next section.

How does Used Car Valuation Affect Car Insurance?

Determining your car insurance quotes for older vehicles and coverage relies significantly on how your used car is valued. Various factors come into play when valuing your used vehicle, including its

• Make
• Model, variant
• Registration year
• Mileage
• Condition
• Market demand

This value is called your car's Insured Declared Value (IDV). The IDV represents the maximum amount you can claim from your insurer for a total loss or theft of your four-wheeler. Calculating the IDV involves subtracting the depreciation from your car's current market value.

The higher the IDV of your car, the higher your car insurance premium will be. That is because the insurer will have to pay more in case of a claim. On the other hand, the lower the IDV of your four-wheeler, the lower your vehicle insurance premium will be. But this also means you will get less compensation in case of a claim.

Conclusion

Buying a used car can be a great way to save money and fulfill your dream of owning a car. But you should also be careful about choosing the right car insurance policy for your used car. The valuation of your used car plays a vital role in establishing your car insurance for older vehicles' premium and coverage. Choose an IDV that matches the actual value of your vehicle and does not compromise the quality and scope of your car insurance policy.

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

You have a car you want to sell or exchange for a new one. But how do you know how much your vehicle is worth in the market? How do you avoid getting swindled by dealers or buyers offering low prices? How do you make sure that you get the best deal for your car? These questions might bother you when you decide to sell your vehicle. To answer these questions, you need to know the concept of used car values. Read on to learn more.

Meaning of Used Car Valuation

Used car valuation is the process of estimating the current market value of your car based on various factors, such as:

• The make, model, variant, and year of your car
• The total kilometres driven by your car
• The overall condition of your vehicle, including its exterior, interior, engine, tyres, battery, etc.
• The demand and supply of your vehicle in the market
• The location and season of your sale

Old car valuation helps you to:

• Negotiate better with dealers or buyers who might undervalue your car
• Set a realistic and fair price for your car that attracts more buyers
• Save money on taxes and insurance by declaring the correct value of your car
• Avoid legal disputes or fraud by having valid proof of your car's value

Conclusion

Used car valuation is an important step that you should not skip when you plan to sell your car. It gives you a clear idea of how much your car is worth and helps you to get the best deal for it. There are many online tools and websites that can help you to get an instant and accurate valuation of your car for free. Maintaining valid car insurance during the selling process ensures that you are financially protected against any unforeseen damages or liabilities until ownership is fully transferred

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

Have you ever lost or misplaced your car keys? If yes, then you know how inconvenient and stressful it can be. Not to mention, the cost of replacing or repairing your car keys can be quite high, especially if you have a modern electronic key or a keyless entry system. But what if there was a way to protect yourself from such expenses? Well, there is. It is called Key Protect Cover in Car Insurance. Read on to learn more about what is key protect cover in car insurance.

Meaning of Key Protect in Car Insurance

Key Protect Cover in car insurance is a rider benefit you can buy with your comprehensive car insurance policy. It pays for the expenses you have paid from your pocket due to the loss, theft or damage of your car keys. Some of the benefits of this cover are:

• If required, it reimburses the cost of replacing or repairing your car keys, including the lockset.
• It covers the cost of hiring a locksmith or towing service if needed.
• It covers all types of car keys, whether traditional, electronic or keyless.
• It has a low additional premium and a high coverage limit.

However, there are some conditions and exclusions that apply to this cover. For example:

• You must file a police FIR in case of theft or loss of your car keys.
• You need to submit the original invoice and receipts for the expenses incurred.
• You can claim this cover only up to a certain number of times in a policy year.
• You cannot claim this cover for wear and tear, mechanical or electrical breakdown, or intentional damage to your car keys.

Conclusion

If you were wondering what is key protect cover in car insurance, we hope this article has helped. Key Protect Cover in car insurance is a valuable and affordable way to safeguard yourself from the hassle and expense of losing or damaging your car keys. It gives you peace of mind and saves you from unnecessary trouble.

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

You care about your car and have insurance to protect it from accidents, theft, fires, and other awful happenings. But what about the belongings you keep in your car, like your phone or bag? What if someone takes them, or they get ruined in case of an accident? Will your insurance help with that? Well, that is where personal belonging (PB) cover comes into play. It is a rider you can add to your car insurance to protect the things you keep in your car. Read on to learn more about what is PB in car insurance.

Meaning of Personal Belonging in Car Insurance

• So, what is PB add-on in car insurance? A personal belonging cover is an add-on cover that compensates for the loss or damage of your belongings kept in your car due to theft, fire, or accident.

• Personal belongings include smartphones, laptops, cameras, wallets, bags, and clothes you carry around with you in your car.

• The coverage limit of a personal belonging cover depends on the insurer and the insured declared value (IDV) of your car. 

• To avail of the benefits of personal belonging cover, you need to pay an additional premium over and above your comprehensive car insurance premium.

• You must also follow certain conditions and exclusions while claiming a personal belonging cover. For example, you need to report the incident to the police within 24 hours and provide proof of ownership of the items. However, you cannot claim for items not mentioned in the police report.

Conclusion

A personal belonging cover is a valuable add-on cover that can save you from the financial loss of losing or damaging your belongings kept in your car. It can also give you peace of mind and security while travelling with your valuables in your vehicle. However, compare insurers and their coverage limits before buying a personal belonging cover. You should also read the policy wording carefully and understand the terms and conditions of the cover. Comprehensive car insurance with personal belonging cover can reduce the financial burden in case of theft, ensuring that losses incurred from stolen valuables are compensated.

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

If you own a car in India, you must have heard of IDV or Insured Declared Value. But do you know what it means and how to calculate the IDV of a car? IDV is the maximum amount your car insurance company will pay you in case of total loss or theft of your car. It is also the basis for determining your car insurance premium. In this article, we will explain how IDV is calculated and why it is vital for you.

How Does An Insurance Company Determine The Value Of Cars In India?

The insurance company determines the value of your car based on the following factors:

• Manufacturer's listed price:

  It is the value at which the manufacturer sells the car to the dealer. It includes the cost of the vehicle, taxes, and other charges. The manufacturer's listed price is also known as the ex-showroom price.

• Depreciation value:

  This is the reduction in the cost of your car due to wear and tear, ageing, and usage. The depreciation rate varies depending on the age of your vehicle and the type of parts.

• Accessories:

  Accessories are the additional features or parts installed in your car after purchasing it from the dealer. These may include a music system, alloy wheels, or a sunroof. The insurance company calculates the value of these accessories separately by adding their cost and deducting their depreciation.

The formula for calculating the IDV is:

IDV = (Manufacturer's listed price - depreciation) + (Cost of accessories - depreciation of accessories)

Conclusion

It is advisable to choose an IDV that reflects the current market value of your car. If you select a lower IDV, you may pay a lower premium, but you will also get a lower compensation in car insurance in case of total loss or theft. If you choose a higher IDV, you may pay a higher premium but also get a higher compensation in case of total loss or theft. You can also use an online IDV calculator to estimate the IDV of your car based on its make, model, variant, age, and accessories.

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

The tire aspect ratio is a critical dimension of a vehicle's tire that significantly impacts its performance and characteristics. It represents the relationship between the height and width of the tire's sidewall. You must understand the aspect ratio is crucial as it influences the tire's handling, ride comfort, and overall performance. Read on to learn more about what is a tyre aspect ratio.

Meaning of Tyre Aspect Ratio

Listed below are the key features of tyre aspect ratio:

• Aspect Ratio Percentage:

  The tire's aspect ratio is expressed as a percentage, representing the section height relative to the width.

• Section Height:

  A tire's section height is the distance from the tire's inner rim to the outer tread surface.

• Section Width:

  It is the width of the tire, typically measured in millimetres.

• Calculation:

  To calculate the section height, multiply the aspect ratio percentage by the width. For example, with a 70% aspect ratio and a section width of 185mm, the section height would be 70% of 185mm and 129.5mm.

• Impact on Tire Sidewall:

  The aspect ratio significantly influences the height of the tire's sidewall. A higher aspect ratio produces a taller sidewall, while a lower aspect ratio yields a shorter sidewall.

• Performance Implications:

  The aspect ratio affects several aspects of tire performance, including ride comfort, handling, and the tire's ability to absorb road irregularities.

• Customization:

  Some drivers may choose tires with specific aspect ratios to customise their vehicle's performance characteristics to their preferences.

Conclusion

If you were pondering the question “What is tyre aspect ratio?”, we hope this article has helped. It is a crucial dimension that indicates the relationship between the height and width of a tire's sidewall. hen selecting tyres for your vehicle it’s essential to ensure that you buy the correct aspect ratio as specified by the manufacturer to ensure safe driveability. Ensuring the correct tyre aspect ratio helps maintain vehicle stability and reduces the risk of accidents, which can lead to fewer car insurance claims.

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

Have you ever wondered how do airbags work? Airbags are vital safety components in modern vehicles that protect occupants during collisions. The fundamental working principle of an airbag is remarkably swift and effective. The entire process of an airbag deploying unfolds in mere milliseconds, faster than the blink of an eye, to provide a cushioning effect and reduce the force of impact on vehicle occupants. So if you’re wondering how does an air bag work, read on to learn more.

Working of an Airbag

Here, you can learn how do airbags work in detail:

• Sensor Activation:

  Airbags are triggered by sensors strategically placed within the vehicle, typically in the front of the car, to detect front-end collisions.

• Collision Detection:

  When the sensor detects a collision with significant force, it sends an electric signal.

• Chemical Reaction:

  The electric signal initiates a chemical reaction involving a solid fuel.

• Gas Generation:

  This chemical reaction rapidly generates nitrogen gas.

• Inflation:

  The nitrogen gas fills the Airbag within milliseconds.

• Protective Role:

  The inflated Airbag cushions reduce the force of impact between the vehicle occupants and hard surfaces like the steering wheel, dashboard, or windshield.

• Fast Response:

  The entire process, from sensor activation to full airbag inflation, occurs in a fraction of a second, providing immediate protection to the occupants.

• Harmless Gas:

  The nitrogen gas used is harmless, ensuring the safety of the vehicle's occupants during airbag deployment.

Conclusion

If you were pondering the question “how does an airbag work in a car” we hope this article has helped. It is designed to safeguard vehicle occupants during collisions. The swiftness and efficiency of airbag deployment make them a crucial safety feature, significantly contributing to the protection of individuals in the event of accidents on the road. In the event of a collision where airbags are deployed, comprehensive car insurance can help cover the cost of airbag replacement and vehicle repairs.

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

Despite the launch of electric vehicles, diesel-run cars are still pretty popular on Indian roads. The market for diesel vehicles is booming as they represent a great opportunity to save money while enjoying superior driving experience. In this article, we’ll explore some of India's top diesel mileage cars in India that offer power-packed engines and stylish designs

What are the Best Mileage Diesel Cars in India?

Tata Harrier

This vehicle has a 2-litre engine that produces 170PS and 350Nm of torque. It comes with both a 6-speed manual and an automatic gearbox. The manual has a mileage of 16.80 kmpl, while the automatic has a mileage of 14.60 km per litre. 

Tata Nexon

This is one of the most talked-about vehicles in India at the moment. It had a 1497 cc engine with a 7-speed DCA gearbox. The mileage of this five-seater can reach 25.4 kmpl, depending on the model and, of course, the fuel type.

Mahindra Thar

This 44 vehicle has already captured the attention of car enthusiasts seeking a vehicle with a studded look and power-punched performance. It comes in five diesel variants, with mileage going up to 15.2 kmpl. 

Kia Sonet

It is a compact SUV that has made ripples in the Indian automotive market since its release in 2020. It has a 1.5-litre diesel engine with two output options: 100 hp manual and 115 hp automatic. The manual model achieves a mileage of 24.1 km/litre.

Tata Altroz

The Tata Altroz is a high-end hatchback that has received accolades for its safety, design, and performance. It is driven by a 1.5-litre diesel engine that produces 90 horsepower and 200 Nm of torque. The Altroz has a fuel economy of 23.64 km/litre.

Conclusion

Diesel cars are a great choice for anyone who wants smooth performance. The best mileage diesel cars in India offer high fuel efficiency without compromising on performance, comfort, or safety. Whether you are looking for a crossover car, a hatchback, or a compact SUV, you can find good mileage diesel cars in India that suit your needs and budget from the list above. Opting for comprehensive car insurance ensures that your diesel car, known for its performance and mileage, is protected against potential accidents or damages.

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

Driving safely in India requires more than just good road sense; it also demands an understanding of your vehicle, including its tyres. Many people may find themselves baffled when they look at the numbers and letters imprinted on the sidewall of their tyres. However, fear not! Deciphering these codes is not as complicated as it seems. We’ll discuss how to read tyre measurements in the next section.

How Do You Read Tyre Sizes?

To read your tyre size, first look at the tyre's sidewall. You will notice an alphanumeric series representing the tyre's dimensions and specifications. For example, 185/55 R 15 81H.

• The first number (185) is the tyre width in millimetres. It measures the distance from one sidewall to another. The wider the tyre, the more grip and stability it provides, but it also increases the rolling resistance and fuel consumption.

• The second number (55) is the aspect ratio of the tyre. The percentage of the tyre width makes up the height of the sidewall. When the aspect ratio is low, it means the tire's sidewall is shorter and firmer.

• The letter (R) indicates the tyre construction. Here, R stands for radial, the most common type of tyre construction nowadays. Radial tyres have cords that run perpendicular to the direction of travel, which makes them more flexible and durable than other types of tyres.

• The third number (15) is the rim diameter in inches. It is the size of the wheel that fits the tyre. Always match the rim diameter with the tyre size to ensure proper fitment and safety.

• The fourth number (81) is the load index of the tyre. It is a numerical code indicating the maximum weight the tyre can carry at a specified speed.

• The last letter (H) is the speed rating of the tyre. It indicates the maximum speed that the tyre can sustain at a specified load. 

Conclusion

If you ever wondered how do you read tyre sizes, we hope this has helped. Tyre size is a crucial factor that affects your vehicle's performance, safety, and fuel efficiency. Knowing how to read tyre sizes in India allows you to choose the right tyres for your car or bike that suit your driving style and conditions. Choosing the right tyre size and maintaining it properly can help reduce wear and tear, which in turn can lower potential claims on your car insurance policy for tyre-related issues.

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

Introduction       

In the world of internal combustion engines, technological innovations have continuously improved fuel delivery systems to enhance efficiency and performance. One such innovation is Multi-Point Fuel Injection (MPFI). This system is pivotal in optimising combustion, making engines more fuel-efficient and environmentally friendly. Here, we will answer what is multi-point fuel injection.

Understanding Multi-Point Fuel Injection  

Multi-Point Fuel Injection (MPFI) is a sophisticated method of delivering fuel to an internal combustion engine. Unlike its predecessor, the carburettor, MPFI ensures the engine receives the precise fuel it needs for combustion. The system accomplishes this by injecting fuel through multiple ports on the intake valve of each cylinder in the engine.

These ports work harmoniously to deliver the optimum quantity of fuel at precisely the right time to each cylinder. This precision is crucial because it ensures that the air-fuel mixture is consistently ideal for combustion, improving engine performance and fuel efficiency.

The benefits of Multi-Point Fuel Injection are numerous. First and foremost, it enhances fuel efficiency. The engine operates more efficiently by delivering the correct amount of fuel to each cylinder at the right time, reducing fuel wastage and improving miles per gallon. Hence, in turn, it contributes to reducing harmful emissions.

MPFI also enhances engine performance by providing a more controlled combustion process. It leads to better power output, smoother idling, and reduced engine vibration. Moreover, MPFI ensures a more reliable cold start, making your engine more dependable even in extreme weather conditions.

Conclusion

Now you have learned what is multi point fuel injection system. It is more than just a technological marvel; it's a game-changer for internal combustion engines. By delivering fuel with precision and timing, MPFI optimises engine performance and efficiency. This innovation is a testament to our commitment to a greener future and a glimpse into the ever-evolving world of automotive technology. It's safe to say that with Multi-Point Fuel Injection, the road ahead is smoother and cleaner. With advanced systems like MPFI improving vehicle performance, car insurance ensures that any potential repair costs related to engine issues are covered, offering you 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 relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information

Introduction

When it comes to taxes, every deduction matters. Car owners often wonder if is car insurance deductible on taxes. The answer is both a 'yes' and a 'no.' The tax deductibility of car insurance depends on various factors. Here, we will explore the scenarios in which car insurance can be deductible on taxes and help you navigate this intricate landscape.

Can Car Insurance be Deductible on Taxes?         

The deductibility of car insurance on taxes largely depends on the purpose for which you use your vehicle. Here are two scenarios that explain when you can claim the deduction of your car insurance premiums:

Scenario 1: Business Use

If you use your car for business, you may be eligible to deduct some of your car insurance premiums. It applies to self-employed individuals and employees using their vehicles for work-related tasks. You must maintain meticulous records of your business-related car expenses, including insurance premiums, to claim this deduction.

Scenario 2: Medical Expenses

In some situations, car insurance premiums can be tax-deductible as part of medical expenses. It typically applies when your vehicle is specially equipped to accommodate a disabled individual. However, the medical expenses deduction is subject to a threshold – you can only deduct the amount that exceeds a certain percentage of your adjusted gross income. You must consult a tax professional to ensure you meet the necessary criteria for this deduction.

Conclusion   

As we explore the question, ‘Is car insurance deductible on taxes?’, it is evident that the tax deductibility of car insurance is a multifaceted issue. While it may not be deductible for the average car owner, specific scenarios, such as using your vehicle for business purposes or adapting it for medical needs, can open the door to potential deductions. Understanding the nuances of car insurance deductibility can make a significant difference when tax season arrives. It's advisable to consult a tax professional to ensure you make the most of any eligible deductions.

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