Estimating new car insurance premiums before buying a car is essential for several reasons. First, it helps you plan your budget and choose a car that fits your affordability. You can find the best deal for your new car insurance by comparing quotes online. Second, it helps you understand the risks associated with your car and choose the appropriate coverage and add-on covers.

Car insurance providers take into account a wide range of variables when calculating your premium. Understanding the factors involved in determining the premium for a policy will help you make an estimate.

Steps to Estimate Car Insurance Before Buying a Car

You can determine the new car insurance burden on your wallet by considering the steps below.

• Research Car Models:

  Look up different car models you are interested in. Insurance premiums vary based on the car’s make, model, and age.

• Check Insurance Categories:

  Some cars fall into high-risk categories due to theft rates, repair costs, or safety features. Low-risk cars often have lower premiums.

• Add in Your Personal Information:

  Being a young driver, male, or resident of an urban area can increase the premium. For a clean driving history, the premium rate will be lower.

• Calculate IDV:

  Find the car’s Insured Declared Value (IDV), which is its current market value. Usually, one needs to pay a higher premium for an expensive car.

• Choose Coverage Type:

  Decide between third-party liability and comprehensive coverage. Comprehensive coverage is pricier but offers broader protection.

• Select Add-Ons:

  Determine if you need additional coverage like zero depreciation, roadside assistance, or engine protector. These will impact your premium.

• Compare Insurers:

  Obtain quotes from multiple insurance companies. Use online comparison tools or contact agents for quotations specific to your car and needs.

• Consider NCB:

  If you have a No Claims Bonus from previous policies, it can significantly reduce your premium. When you buy car insurance for the new vehicle, transfer the NCB to it.

Buy car insurance after estimating the premium. You can utilise an online car insurance calculator to get an approximate rate.

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 It may contain outdated data and information regarding the relevant industry.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 growing global population and increasing traffic have led to a surge in related challenges. As the population expands, the demand for mobility has risen sharply, driving a significant increase in car ownership. However, this rise in vehicles has also introduced the additional burden of parking. The widespread use of cars has worsened traffic congestion and exacerbated parking issues. In response, people have sought innovative solutions to tackle these challenges. One such solution, the Automatic Car Parking System (APS), has proven effective in managing parking. APS allows drivers to park their vehicles in various ways, including parallel, perpendicular, and angled parking, all while optimising space utilisation. In addition to improving efficiency, APS reduces labour costs and streamlines parking operations. Let’s explore how automated car parking systems are alleviating the parking-related burden.

What are the Types of Automated Parking Systems?

Automated Parking Systems (APS) have experienced growth in popularity throughout the twentieth and twenty-first centuries. They are of various types, including the following:

• Shuttle Parking System

A shuttle parking system uses shuttles and elevators for moving vehicles to the assigned parking spaces. It relies on a conveyor belt between the shuttle pick-up and assigned parking space to park and retrieve vehicles.

• Puzzle Parking System

A Puzzle Parking System is a semi-automated parking system resembling a puzzle. It is basically a multi-level car parking system that utilises stacking and sliding technology for maximising the number of cars that can be parked in a given space.

• Rotary Parking System

It is an innovative parking system that effectively utilises parking space to park six cars in the area typically assigned for two. The system relies on a vertical stacking arrangement to save space and increase available parking spots. Cars enter the system through the parking bay on the ground floor. As the system rotates clockwise, a vacant parking spot becomes available on the ground floor once again.

• Stacker Parking System

A stacker parking system, also called a car stacker, uses a specialised device known as a stacker for parking and retrieving vehicles. This system significantly reduces the time needed for car parking and retrieval by enabling simultaneous vertical and horizontal movement.

• Automated Guided Vehicle Parking System

An Automated Guided Vehicle Parking system relies on AGVs or robots for the storage and retrieval of vehicles in an enclosed parking space. Apart from being able to rotate in position, these AGVs are capable of moving along and sideways on the parking platform. The AGVs lift and transfer vehicles from transfer cabins to their designated parking spots.

• Rail Guided Parking System

The Rail Guided Parking system works in a manner similar to the AGV parking system. However, it is based on a comparatively simpler mechanism. Rail-guided cars can move the parked cars by lifting them and carrying them to designated spots.

• Crane Parking System

Crane Parking systems are automated parking systems that utilise a single mechanism for moving vehicles horizontally and vertically during parking and retrieval. They work based on multi level systems utilising a separate lift for transferring vehicles.

• Silo Parking System

Silo parking systems are cylindrical in shape, with multiple levels of parking spaces arranged around a central axis.  These parking systems have a central mechanism that moves vertically or rotates to move the cars between various parking levels.

• Tower Parking System

A tower parking system is a fully automated parking solution that stores vehicles on multiple levels and uses a lift to move the cars between various levels. There is a parking space on either side of the elevator shaft on each level.

What Are the Benefits of Automatic Car Parking System?

Automatic Car Parking systems offer some major advantages, especially in congested cities where the demand for parking space is higher. Let us take a look at their advantages and how they help resolve the challenge of limited parking space:

• APS are space-saving, meaning they can store many more cars in the same area. For example, while traditional car parking may fit only two cars, an APS can accommodate six cars in that same space.
• A feature that enhances the functionality of many APSs is the automatic car park barrier system. This system not only facilitates smooth vehicle entry and exit but also ensures security by controlling access to the parking facility. The automatic barriers help to prevent unauthorised vehicles from entering, ensuring that only authorised users can access the parking area.
• Automatic Car Parking systems also save a lot of time. You can simply leave your car on the ground level of the platform, and it will be automatically carried to its designated spot.
• Automated car parking systems are more secure than traditional parking systems. Designed for safety, they keep cars out of view, deterring malicious activity.
• In traditional parking systems, you may find yourself circling to find a parking spot. However, with Automated Parking Systems, you don’t have to waste fuel searching for your designated spot.
• Automated Parking Systems are also highly beneficial for disabled individuals. People with disabilities do not need to navigate complex stairwells and can just leave their cars for safe parking at the ground level.

Conclusion

Automated Car Parking systems save both space and time. They are also considerably secure compared to the traditional parking systems in place.

Vehicle security is a top concern for many, whether on the road or in a parking lot. Along with various precautions, it's crucial to have the right car insurance to protect against accidental damage and other potential liabilities. Car insurance provides peace of mind, offering coverage for unforeseen events and ensuring you're financially safeguarded.

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 suspension system in your car is the secret to a smooth and comfortable ride. It’s a mix of components, including tyres, shock absorbers, springs, and linkages that connect each wheel to the rest of the vehicle. An independent suspension system is a mechanical configuration that enables each wheel on the same axle to move separately from the others. This system significantly improves the car’s ability to manage potholes and bumps on the road, leading to better handling and a more stable ride.

A popular choice due to its advanced engineering and superior performance, here’s a detailed overview of an independent suspension system, its working and types.

How Does Independent Suspension Work?

Your car’s independent suspension works by using key components like control arms, springs, shock absorbers, ball joints, and sometimes anti-roll bars.

• Unlike traditional solid axle suspension systems, it isolates the movement of each wheel, which further reduces the transfer of shocks from one side to the other.
• Your car’s wheel hub is connected to the vehicle’s chassis via control arms, which guide the wheel’s motion.
• The springs absorb energy from road bumps or other irregularities to provide cushioning for a smoother and more comfortable ride.
• The energy stored in the springs is dissipated by shock absorbers, which help control wheel oscillations and maintain stability.
• Of late, many independent suspension systems also use anti-roll bars to minimise body roll (vehicle’s tilting motion) during steep turns. These bars help maintain stability by distributing forces across the suspension.
• This suspension system also ensures that your car’s tyres are in proper contact with the road surface, improving traction no matter how uneven the terrain is.

Types of Independent Suspension in Cars

There are several independent suspension systems available on the market. Read on to learn which one works best for your car.

1.     Swing Half Axle Suspension

This is a type of independent suspension system in which the wheels are mounted rigidly on the half axles that are pivoted near the wheels’ centre. This construction allows each wheel to move up or down independently, making it possible to absorb road shock separately.

If you own an older four-wheeler, it might be equipped with a swing half-axle suspension. But now, this suspension type has been replaced by advanced alternatives.

2.     Multi-Link Suspension

A highly advanced and versatile car independent suspension system, the multi-link suspension uses three or more lateral arms along with one or more longitudinal arms connected to the wheel hub as well as the chassis. This suspension design facilitates precise wheel positioning and movement, offering enhanced car handling and ride quality.

The multi-link suspension is worth considering for high-performance and luxury cars.

3.     Sliding Pillar Suspension

This is one of the simplest independent suspension systems. Here, the stub axle and wheel assembly are connected to the fixed pillar, which is further attached to the chassis. Due to this design, wheels are able to move vertically, which provides basic shock absorption.

Though it is compact and lightweight, a sliding pillar suspension lacks the flexibility of modern automotive designs.

4.     Double Wishbone Suspension

This is the most commonly used independent suspension system in cars. It uses two wishbone-shaped arms to connect each wheel to the chassis. These wishbones position the wheels and transmit the car’s load to the coil springs.

The double wishbone suspension can be handled more efficiently while driving. Usually, this suspension system is preferred for high-performance vehicles and sports cars.

5.     MacPherson Strut

A compact and efficient independent suspension system, MacPherson Strut uses the strut-type spring and shock absorber as a single unit, which is mounted on a ball joint along the single lower arm. Because of its small size, the engine compartment has the most space possible. A MacPherson Strut is mostly used in front wheel drive vehicles.

6.     Trailing and Semi-Trailing Suspension

These independent suspension systems use helical coil springs arranged in a horizontal position instead of a vertical position. In trailing arm suspension, the wheel hub is connected to the chassis via arms which pivot along your car’s axis. In the semi-trailing arm suspension, the arms connected to the wheel hub to the chassis are angled slightly, which allows for better handling and balance.

Both these suspension designs are known for providing comfort and stability. But semi-trailing suspension design is more adaptable to varied road conditions, making it a practical choice for high-performance modern cars.

Conclusion

Among various types of car suspension systems, the independent suspension system stands out for being cost-effective and durable. With benefits such as improved traction, better alignment, and balanced movement, this suspension system is one of the widely preferred among other options. You can further enhance your vehicle's safety by investing in car insurance that provides coverage 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.  

When it comes to your child’s safety, nothing is more important than ensuring they are securely fastened in the car. Traditional seat belts are not always suitable for infants and young children, which is why ISOFIX seats are a great option. ISOFIX is a standardised system that offers a safer and more stable way to secure child car seats. In this blog, we will explore the benefits of ISOFIX seats, the different types available, and key considerations to keep in mind when choosing one.

Reasons Behind Choosing ISOFIX Seats

ISOFIX seats provide superior safety and convenience for parents and children. Here are some key benefits of choosing an ISOFIX seat:

• Enhanced Safety: Directly connected to the car's chassis, ISOFIX seats eliminate the risk of incorrect installation and reduce movement during sudden stops.
• Ease of Installation: ISOFIX seats feature simple connectors that click into the car’s ISOFIX anchors, making installation straightforward.
• Reduced Risk of Incorrect Installation: Designed to be foolproof, ISOFIX seats ensure secure and proper positioning every time.
•     Improved Stability: ISOFIX seats are less likely to shift or move while driving, providing better protection for your child during a crash. The firm connection between the seat and the car's body ensures stability even on bumpy roads.
•   Quicker to Fit: Once familiar with the system, installing an ISOFIX seat is faster and easier than using seat belts.

Different Types of ISOFIX Seats

ISOFIX car seats come in various types to suit children of different ages, sizes, and weights. These seats are categorised based on the age group they are designed for, offering various features for additional comfort and safety.

1. Group 0 and Group 0+ ISOFIX Seats (0-13 kg/Birth to 12-15 months):

These are rear-facing seats designed for newborns and infants. They provide the best protection for young children by keeping them in a rear-facing position, which is safer in case of a crash. The seat typically includes a base fitted into the car’s ISOFIX points. Some models come with a carry handle and are detachable from the base for easy transport.

2. Group 1 ISOFIX Seats (9-18 kg/9 months to 4 years):

These forward-facing seats are designed for toddlers. They usually come with a five-point harness system to securely hold your child in place. Group 1 seats can be used for longer periods due to their adjustable headrest and reclining features.

3. Group 2 and Group 3 ISOFIX Seats (15-36 kg/4 to 12 years):

These seats are designed for older children, often referred to as booster seats. They offer side protection and secure the child using the car’s seat belt in combination with the ISOFIX connectors. Group 2/3 seats are ideal for children who have outgrown the harness system of a Group 1 seat but still need additional support for safety.

4. All-in-One ISOFIX Seats:

These seats are designed to grow with your child, typically covering Group 0, Group 1, Group 2, and Group 3. They offer a long-term solution, as the seat can be adjusted in size and function as the child gets older.

5. Rotating ISOFIX Seats:

Some ISOFIX seats come with a rotating base that allows you to swivel the seat towards the door for easier access to your child. These are particularly useful for parents with mobility issues or for those who frequently use the seat in tight spaces.

6. ISOFIX Booster Seats:

These are simpler booster seats that use the ISOFIX connectors to secure the child while still using the car’s standard seat belt. They are typically used for children who have outgrown a Group 1 seat but are not yet big enough for a regular car seat belt.

Things to Consider When Buying an ISOFIX Seat

When choosing an ISOFIX seat for your child, several factors should be considered to ensure you pick the right one. Below are some important points to keep in mind:

1. Compatibility With Your Car

Before buying an ISOFIX seat, check whether your car has ISOFIX anchors. Most cars made after 2006 come with these anchors, but some older models might not have them. You can check the car’s manual or the label on the back of the seats to verify. Some cars may also have top-tether points, which are used for extra security with certain ISOFIX seats.

2. Age and Size of Your Child

Choose a seat appropriate for your child’s age, weight, and height. Seats are usually classified, so make sure to select one that fits your child’s current size and will continue to be suitable as they grow.

3. Ease of Installation

Look for an ISOFIX seat that’s easy to install and adjust. Some seats come with indicators that show whether the seat is installed correctly, providing peace of mind. Also, consider whether the seat is heavy or bulky, especially if you need to move it between different cars.

4. Safety Features

Check for additional safety features such as side-impact protection, five-point harness systems, and extra cushioning. Some seats come with a 360-degree rotating feature for better safety during car journeys.

5. Comfort and Recline Options

Your child will spend long hours in the car, so it’s important to choose a comfortable seat. Look for padding, breathable fabric, and reclining options, especially for younger children who may need to sleep during the ride.

6. Ease of Cleaning

Children can make a mess, so choose a seat with removable and washable covers. Some models also have stain-resistant fabric that is easy to wipe clean.

Conclusion

ISOFIX seats offer a safe, practical way to secure your child in the car. With enhanced stability, improved safety, and ease of use, ISOFIX seats offer parents peace of mind, knowing their child is protected on the road. Consider compatibility, safety features, and comfort when choosing the right seat.

Additionally, don't forget to get car insurance online to safeguard your vehicle in the event of accidents, damages, or 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.  

Have you ever wondered how your car engine stays efficient? The answer lies in the oil filter, a crucial part of your vehicle's engine. The oil filter in a car is essential for removing impurities such as dirt, metal shavings, and carbon deposits from the engine oil. It ensures that only clean oil circulates through the engine, helping to maintain its condition. In this article, we’ll explore in detail how oil filters function.

Functions of Oil Filters

The engine performance and lifespan of your car rely heavily on oil filters. They perform several essential functions, such as:

•   Collecting Particles: Oil filters efficiently remove dust, metal shavings, and other harmful particles that can damage engine components. By trapping these contaminants, the oil filter prevents them from mixing with the engine oil.
•   Maintaining Engine Cleanliness: The primary role of oil filters is to keep the engine oil clean, ensuring the engine runs smoothly. Clean oil is vital to prevent sludge and varnish build-up.
•   Soot Filtration: Oil filters remove soot, a combustion byproduct that can damage the engine if allowed to accumulate. It keeps the engine running efficiently and meeting emission standards.
•   Thinning Holes: Small holes in the filter prevent thickened oil from entering the engine, especially during cold starts. It keeps the oil flowing smoothly and consistently.
•   Protecting Rods: Oil filters protect moving parts, such as connecting rods, by preventing wear-causing particles from entering the lubrication system.
•   Protecting Camshaft and Valve Train: The camshaft and valve train require clean oil for optimal performance. The oil filter cleans the oil and helps the engine parts work smoothly, extending its lifespan.
•   Reducing Wear: A well-functioning oil filter reduces friction and wear between moving engine parts, improving the engine's lifespan.
•   Preventing Damage: Oil filters act as a barrier against potential contaminants, safeguarding sensitive engine parts and promoting long-term reliability.

Important Parts of Oil Filters

Oil filters comprise several crucial components that work together to ensure clean oil circulates through the engine. Let us examine these main parts:

• Filter Medium: This is the core component where filtration occurs. Made from synthetic fibres or pleated paper, it traps contaminants such as dirt and metal particles that could damage the engine.
•   Tapping Plate: Also known as the base plate, this component has multiple small holes around the edge to allow oil to enter the filter. The central hole is where the filtered oil exits back into the engine, ensuring efficient oil flow.
•   Anti-Drainback Valve: Located at the filter’s base, this valve prevents oil from draining out when the engine is off, avoiding dry starts that could cause increased wear and tear.
•   Relief Valve: Also called the bypass valve, this opens when the oil is too thick to pass through the filter medium, such as during cold starts, or when the filter is clogged. This valve prevents the engine from running out of oil, which could cause major damage.
•   End Caps: These metal or fibre components seal the filter medium on both ends, ensuring oil passes through the medium rather than bypassing it.
•   Centre Steel Tube: This structural component supports the filter medium and provides a clear pathway for filtered oil to return to the engine. It’s designed in such a way that there is optimal oil flow.
•   Pleats: The pleated design of the filter material increases its surface area, enabling it to capture more contaminants. The number of pleats and the tightness of their fold vary based on the filter design.
•   Retainer: The retainer, a spring-like component, secures the filter’s end caps against the tapping plate, preventing oil from bypassing the filter oil medium.

Types of Oil Filters

Oil filters are vital for engine health and come in various types, each tailored to meet different engine requirements. Here’s an overview of the best oil filters for cars:

•   Full-Flow Oil Filter: Designed to filter all the oil entering the engine, it provides comprehensive protection. It is crucial during cold starts when the oil is thick and must be filtered rapidly.
•   Cartridge Oil Filter: This consists of a replaceable filter element housed in a permanent casing. Cartridge filters are environment-friendly and only the filter material needs replacement.
•   Spin-On Oil Filter: A spin-on oil filter is widely used due to its convenience. It features a self-contained metal can with a paper filter element inside. This type of filter is known for its ease of installation and removal, making it popular for regular vehicle maintenance.
•   Secondary or By-Pass Oil Filter: Operating alongside the main oil filter, this type filters a small portion of the oil flow separately. It provides finer filtration, capturing smaller particles over time.
•   Spinner Oil Filter: Also known as a centrifugal oil filter, it uses a spinning action to separate contaminants from the oil. The contaminants collect inside the housing and can be periodically cleaned. This type is effective for finer filtration without restricting oil flow.
•   Magnetic Oil Filter: Using a magnetic field, this filter attracts and holds ferrous metal contaminants. It is particularly effective at capturing fine metallic particles that other filters might miss.

Conclusion

Maintaining your car’s condition goes beyond regular servicing. Understanding the role of components like oil filters can greatly impact your car’s performance and lifespan. Regularly replacing oil filters ensures clean oil circulation, reduces wear, and prevents damage to engine components.

This practice can also be beneficial when purchasing car insurance online. A well-maintained car, including regular changes of critical parts like oil filters, often leads to lower claims and can favourably influence your insurance premiums. Knowing these details can improve your car's maintenance record, helping you secure adequate coverage that reflects the care you dedicated to 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 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.  

Imagine cruising down the highway when a sudden lapse in concentration makes your car drift dangerously close to your lane’s edge. An unfortunate incident could happen. But thanks to the Lane Departure Warning System (LDWS), it alerts you and you are back safe driving in your lane. LDWS is an Advanced Driver Assistance System (ADAS) designed to improve vehicle safety by monitoring a vehicle’s position in its lane. The system alerts the driver if the vehicle unintentionally drifts out of its lane.

Let’s learn more about this game-changing technology, which is necessary for automotive safety.

How Does the Lane Departure Warning System Work in a Car?

The Lane Departure Warning System uses a camera mounted near the rearview mirror to determine lane markers. For the system to work properly, clearly visible paint stripes should be on the road.

Here is how LDWS works: 

• When the system detects that the vehicle is very close to the left or right side lane markings and the turn signal is not on, it activates a warning signal, vibration, or sound.
• The LDWS also has a steering input capability. This mechanism gently adjusts the steering wheel to keep the car in its assigned lane. The Lane Keeping Assist guides the car to maintain appropriate alignment.
• Some of the Lane Departure Warning Systems intensify the steering response when the vehicle approaches the lane marker and provide a progressively stronger tug on the steering wheel to warn you.
• The LDWS functions using a combination of cameras, sensors, and software. The front-facing camera near the rearview mirror monitors the road ahead to detect lane markings. Some advanced systems are equipped with additional sensors or cameras to enhance lane detection.
• The camera captures real-time road images and identifies lane markings using image processing software.
• The system can distinguish between solid and dashed lines and different types of lane markings, such as yellow or white.
• LDWS continuously monitors the car’s position relative to the lane markings. It also tracks the vehicle’s movement inside the lane to calculate the vehicle’s trajectory and predict if it may likely drift out of its lane.
• The system triggers an alert when it detects the car drifting off its designated lane. These alerts can take various forms, including audible, visual, and tactile alerts. To catch the driver's attention, the system might make beeping or chiming sounds. Warning lights or signs may also flash on the dashboard. The driver may also feel a vibration in the steering wheel or seat.
• In some vehicles, the LDWS is integrated with other advanced driver assistance systems like Lane Keeping Assist or Adaptive Cruise Control.
• Lane Keeping Assist steers the vehicle back into the lane when it detects an unintentional drift off the designated lane.

What Are the Major Forms of Lane Departure Warning System?

As technology has advanced, new forms of lane departure warning systems have also evolved. Here are the three main types of LWDS:

• Lane Departure Assist

The Lane Departure Assist mainly serves a preventive purpose. It lets you know when your car approaches or crosses the lane markings. As a person driving the vehicle, you must quickly respond to the alarm and bring the car back to the centre of the lane. However, this system depends heavily on the availability of lane markers and, in the absence of such markers, may become ineffective.

• Lane Centering Assist

Lane Centering Assist is a highly innovative form of LDWS that keeps the car centered in its designated lane. For this system to work properly, the driver’s hands must be gently placed on the steering wheel.

• Lane Keep Assist

The Lane Keep Assist system brings the vehicle back into the desired lane when it drifts off. The system is designed to steer the vehicle clear of lane markings automatically. However, the driver must bring the car back to the lane’s centre. This technology is also known by other names like side assist.

Conclusion

The Lane Departure Warning System is a highly valuable safety feature that helps drivers maintain their lane and avoid unintentional departures. The system assists drivers on long drives or highways and provides an extra layer of security, prompting corrective actions whenever required and reducing collisions. However, its effectiveness can be hampered by poor road conditions, missing lane markings, and adverse weather conditions.

While advanced safety technology minimises risks, it does not completely eliminate them. Thus, having comprehensive four-wheeler insurance becomes vital. In addition to financial protection in case of an accident and cover for damage, medical expenses, or liability, car insurance offers 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.  

Introduction

While it always seems amazing to drive a car, you should also know they are made of technically complex components. You might have wondered how your car's rear wheels bear the vehicle's weight while also transmitting power from the engine.  Its secret lies in an engineering marvel - the axle. Shaped like a rod or shaft, the axle is a vital component of your four-wheeler. Apart from rotating the wheels, it supports the automobile's weight. However, the same set of axles is not used in every car.

In this blog post, we will talk about the semi-floating and full-floating axles and their key differences. Learning about these axle types will help you know how they function and which one suits your needs the best.

What is a Semi-floating Axle?

Here are some key facts worth knowing about semi-floating axles:

• Semi-floating axles are commonly found in rear-wheel drives. This axle design bears the rotational force from the wheels as well as a part of the vehicle's weight.
• In the case of a semi-floating axle, the axle shaft is attached to the wheels and allows the power transmission to the wheels from the differential.
• Moreover, the axle shaft includes an axle rod and a housing that supports the vehicle's weight. Semi-floating axles have a simple design, making them easy to manufacture and cost-effective. They are the most popular choice for light-duty trucks, SUVs, and passenger vehicles.
• Semi-floating axles are most suited for normal driving conditions. They may fail under heavier loads or rough driving conditions.

What is a Full-floating Axle?

Here are some key facts about full-floating axles:

• The full-floating axle is generally found in heavy-duty vehicles and trucks. It is designed to carry heavier loads.
• Full-floating axles have a separate wheel hub and axle shaft. In this design, the axle shaft transmits only the driving torque without bearing any of the vehicle's weight.
• The wheel hub mounted on the axle housing carries the vehicle's weight, and the wheels are bolted to it. In a full-floating axle, torque transmission and weight support are separated, reducing stress on the axle shaft and leading to higher durability.
• A full-floating axle's design is more complex than a semi-floating axle.

Top Differences Between Full-floating and Semi-floating Axles in Cars

There are some significant differences between full-floating and semi-floating axles in cars. Understanding these differences will help you learn which one suits your needs. Let's take a look at the leading differences between the two axle types:

• A prominent difference between semi-floating and full-floating axles is their weight-bearing capacity. In the case of a semi-floating axle, the axle bears the wheel-generated rotational force and the vehicle's weight. However, the case is different with a full-floating axle, which only focuses on power transmission rather than weight bearing. In the case of a full-floating axle, the wheel hub is responsible for bearing the weight.
• With semi-floating axles, the weight on axle shafts is higher. On the contrary, the full-floating axles have weight distributed evenly between the axle shaft and the wheel hub.
• As with semi-floating axles, they support both weight and torque and are, therefore, more susceptible to bending under heavier loads. However, in the case of full-floating axles, the axle shaft only handles the torque, which makes it more durable and less prone to damage under heavier loads.
• Semi-floating axles are generally less robust than full-floating axles, making them suitable only for lighter vehicles. However, the full floating axles are significantly stronger, which allows them to handle much heavier loads. Therefore, full floating axles are ideal for heavy-duty and off-road vehicles.
• Maintenance of semi-floating axles can be more challenging because the axle shaft supports both weight and torque. On the contrary, maintaining full-floating axles is much easier since one can remove the axle shaft without disturbing the wheel hub and bearings.
• Replacing semi-floating axles is more complex since it involves the wheel bearing and hub assembly. On the other hand, the axle shaft can be easily removed and replaced in full-floating axles without affecting the wheel and bearing assembly.
• Due to their simpler design, semi-floating axles are easier to manufacture and maintain, whereas full-floating axles in cars are expensive due to the additional components and robust structure.

Conclusion

The full-float rear axle is an axle design mostly found in heavy-duty trucks and vehicles. Semi-floating axles are more suited for lightweight cars because of their simpler design—the key difference lies in their design and weight-bearing capability.

Another key factor you must note is that getting comprehensive insurance for your car to cover it against accidental and other damages is equally crucial. You can easily purchase car insurance online and save yourself from many financial hassles.  

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 cylinder block in car is also called an engine block. It is a section of the internal structure made of cast iron. Often the heaviest machinery, the cylinder block contains all the major components for internal combustion to take place in a reciprocating engine.

In simple terms, the cylinder block contains sections designed to house all the essential components of modern engines, including pistons, cylinder heads, camshafts, valves, crankshafts, oil galleries, and coolant passageways. Cylinder blocks are built to withstand a wide range of temperatures and mechanical stresses, ensuring proper lubrication and long engine life.

It plays an essential role in maintaining engine stability, regulating temperature, and facilitating lubrication, making it essential for the cylinder block to be of the highest quality to prevent any errors.

Functions of a Cylinder Block

To ensure engine performance and durability, the cylinder block serves a number of vital functions, including supporting the cylinders, housing the crankshaft and valve train, and containing different engine accessories.

• Cylinder housing: The cylinder block's most important function is to house the engine's cylinders, where combustion occurs, within frames of precise dimensions. During engine operation, each cylinder contains a piston that moves up and down. The cylinder block serves as a base that supports the cylinders, ensuring they are properly aligned with the combustion lid. This precise alignment is crucial for the smooth movement of pistons within the cylinders.
  
  
• Coolant passages: To help control the engine's temperature, the cylinder block has channels and passages for the coolant to circulate. By preventing overheating, these channels preserve ideal working conditions.
  
  
• Crankshaft support: Located at the lower part of the cylinder block, the crankshaft's primary function is to convert reciprocating motion into rotational motion. The crankcase is the framework that houses the crankshaft. Supported by the main bearings, the crankshaft ensures precise and smooth rotation. To withstand the bending and torsional forces generated by the cylinders, the crankshaft must be securely constrained, preventing it from deviating from its intended rotational axis.
  
  
• Mounting points: The cylinder block serves as a mounting structure to which several engine parts can be attached.
  
  
• Engine lubrication: To provide adequate lubrication, the oil tubes built into the cylinder block deliver engine oil to vital engine components such as the crankshaft, connecting rods, and camshaft.
  
  
• Holding other parts in place: The cylinder block also supports various auxiliary devices in the car, such as the air conditioning system, exhaust manifold, alternator, and others.

Types of Cylinder or Engine Blocks

Based on the various types of configuration, there are three types of cylinder blocks in a car:

• V Engine:

One of the most common engine block types used in modern automobiles is the V engine setup. Found in a variety of motor vehicles, from vintage V8s to small V4s used in motorcycles, it has become well-known for its reliability and durability over the past decade.

The V engine configuration features two parallel cylinder banks, which influence both engine performance and the environment. While V-16 engines are somewhat wider, they are similar in length to inline eights. However, because the pistons are positioned at angles that are not aligned with the engine's centerline, V engines are inherently unbalanced.

• Inline Cylinder:

The smooth functioning of the inline engine is attributed to its single line of cylinders that extend from the rear to the front of the engine. This arrangement is commonly used for small displacement engines found in most passenger vehicles, as it is particularly well-suited for applications requiring high RPMs. Nearly all cylinder engines employ an inline-block design.

• Boxer Engine Cylinder:

The boxer engine can be envisioned as a flattened V engine, with the cylinder heads positioned directly across from one another. Prominent manufacturers of this type of engine include Subaru and Porsche. Unlike other engine types, a boxer engine does not require an extra counterweight on the crankshaft, as the pistons serve as counterweights for one another. This design results in a shorter, lighter, and higher-revving crankshaft, which ultimately increases the engine's power output.

Conclusion

Cylinder blocks are an essential component of internal combustion engines and play a significant role in the performance of cars. The design of a cylinder block, whether boxer, in-line, or V-shaped, greatly affects engine performance and fuel economy. If you own a car, it's valuable to understand its components, types, uses, and the complex interactions between various parts. Additionally, if you're investing in a new car or undergoing major repairs, a related benefit is four wheeler insurance. This provides financial protection against high repair costs.

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 driving in the hills sounds like something you’d like to try, it’s essential for you to learn of the workings of an important driving feature known as the hill descent control system. There is a significant difference in driving on level roads versus hills.

Operating the clutch, brake, and acceleration is a manageable task on city roads. However, driving on hilly or mountainous terrains requires precision. The inclined, slippery, and narrow tracks demand complete attention as the driver navigates steep turns and maintains vehicle balance.

This is where the hill descent control system proves invaluable. It is a driver-assistance feature that uses traction control technology combined with anti-lock brakes. The system continuously adjusts braking pressure to maintain a specific speed and help prevent slippage while descending a steep surface.

Let’s take a closer look at how this system works, its applications, and its benefits.

How does Hill Descent Control Work?

If you frequently travel to hilly regions, then you should invest in cars with hill descent control systems. As an advanced feature integrated into newly manufactured cars, the hill descent control (HDC) has revolutionised the driving experience on rough and steep terrains.

HDC is a low-speed technology that can be activated when your car needs to move slower than 24 to 32 km/h. Once activated and the maximum speed is set, the system uses traction control and an anti-lock braking system (ABS) to prevent tyres from slipping while descending.

The system maintains traction by locking and releasing each wheel as necessary. This allows you to focus solely on steering, as the system handles the car’s speed while ascending or descending a steep slope.

How to Use Hill-Descent Control?

For safety purposes, it is vital to activate this system at the right time. Here’s a breakdown on how it is applied:

• In the cars with hill descent control feature, you can mostly find the HDC button on the left side of the vehicle’s steering wheel, below the instrument cluster or on the centre console. However, the location of the HDC switch can vary according to manufacturer and car’s model.
• Whenever you need to drive your car on a steep slope, uneven terrain, or slippery surface, you should press the HDC switch to activate the system. Remember that the HDC system works when your car is in reverse or forward gear.
• Anti-lock brakes are used by the HDC system to maintain your car’s speed automatically.
• You don’t have to touch the accelerator or brakes to control each wheel’s speed. The vehicle will accelerate, and the hill descent control system will simultaneously apply the brakes to gently slow down your car’s speed during incline and decline.
• Finally, as soon as you reach the levelled road surface, you can turn off the hill descent control system and drive forward at normal speed.

Uses of Hill-Descent Control

Now that you are familiar with the working of hill descent control systems, it’s crucial to understand when, how, and why to use them.

When to Use Hill-Descent Control?

You can use the hill descent control feature in the following scenarios:

• Whenever you are driving on steep inclines or declines, such as off-road trails or mountain roads
• When driving on uneven terrain that has various elevation changes.
• To drive safely on slippery or loose surfaces, such as snow, mud, or gravel.

Why to Use Hill-Descent Control?

Is it so necessary to use the hill descent control system? Let’s learn why you should use the HDC system in your car:

• Enhanced Safety: By regulating your car’s speed, hill descent control can help prevent it from accelerating uncontrollably. You don’t have to worry about your car skidding or losing traction when driving on uneven, steep, or slippery surfaces.
• Better Brake System Management: By integrating the HDC system into cars, wear and tear on the braking components has been significantly reduced. Manual intervention usually overheats or damages the brakes. This system automatically distributes braking force evenly, which decreases wear and tear on brake discs and pads.
• Prevents Driver Fatigue: Stepping on brakes continuously during long descents can be exhausting. With the HDC feature, you don’t have to constantly press the pedal, reducing fatigue and ensuring a more relaxed and comfortable drive on prolonged downhill stretches.
• Enhances Performance: The hill descent control feature optimises the traction and stability of your car, allowing it to navigate challenging terrains smoothly.
• Supports Heavy Loads: Driving downhill is already risky. But the risk increases much more when driving a fully loaded car. HDC can help you manage your vehicle’s additional weight by preventing momentum from overpowering the brakes.

Conclusion

Having a car equipped with a hill descent control system makes navigating steep slopes, uneven terrains, and slippery surfaces effortless. Therefore, make sure to activate the HDC system when heading to the hills.

For additional protection, especially on difficult terrain, opt for a reliable four wheeler insurance coverage that takes care of your vehicle’s safety during 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 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.  

Have you ever wondered what makes modern cars so safe? The answer lies in something we rarely think about: car crash tests. While these tests might seem like mere destructive experiments, they are far more than just smashing cars into barriers. These life-saving evaluations are meticulously crafted to push vehicles to their limits and ensure your safety on the road.

Crash tests provide crucial insights into everything from airbag deployment and the strength of seat belts to the effectiveness of crumple zones. These insights are vital for making cars safer. In this post, we will take you behind the scenes of crash tests, explore how they work, and how they are shaping the future of road safety.

The primary aim of conducting crash tests is to predict crashes in advance and prevent them using proper strategies. Apart from helping develop safety ratings, car crash tests also contribute to continuous improvements in vehicle design and technology.

Equipments Used for a Crash Test

Before diving deeper into how crash testing works, let’s look at the equipment used for a crash test.

• Crash Test Dummies

Dummies or human-like figures are used to simulate human beings in a crash during crash tests. Generally, these dummies are made of metal or metal composites and have some sensors placed inside them. The main purpose of using dummies in a car crash test is to learn about the extent of damage a crash can cause to the people inside the car. 

• Impact Trolleys

Impact trolleys are used in crash tests to simulate oncoming vehicles and other obstructions which one might encounter in an accident. Generally made of aluminium and steel, the trolleys are propelled at the test subject from several angles to assess the impact.

• Imaging and Data Analysis Architecture

Crash tests also involve the use of advanced and sophisticated electronics and technology, including cameras, sensors, and analysis software. Cameras and analysis software are used to capture and analyze the images of a crash and assess a car’s safety performance. High-speed cameras are generally placed both inside and outside the vehicle to record the crash from multiple angles. These cameras capture detailed images of the vehicle’s deformation, movement of dummies, airbag deployment, and other critical aspects of the crash.

The image analysis software used in crash tests calculates what is happening during the crash, including the amount of the vehicle’s deformation and the forces exerted on various components. This analysis helps engineers understand how the vehicle structure and safety systems perform under extreme conditions, allowing them to make necessary improvements to enhance overall safety.

How Does Crash Testing Work

A car crash test can be a very complex process. There are various steps and stages involved in this process. Below are the main stages involved in the crash test:

• Crash Test Paint:

The crash test paint process begins with applying paint to various parts of the crash test dummy. Different colors are typically used for different body parts, with specific colors assigned to the face, areas of the skull, and knees. This paint gets smeared on the car once the test is completed. The dummies are also equipped with accelerometers that measure acceleration in a specific direction.

• Vehicle Setup:

In the next step, the vehicle is prepared for the crash. During this stage, the dummies are properly placed inside the vehicle. Additionally, manufacturers conducting the crash test set up cameras, sensors, and other necessary equipment. Ballast is added to the vehicle before the test to accurately simulate the weight distribution of a fully loaded vehicle. High-speed cameras are positioned both inside and outside the vehicle during this stage.

• Crash & Aftermath:

The next stage is the crash itself, which is carried out with the help of trolleys. However, the procedure doesn't end with the crash. Once the crash is complete, the manufacturers analyze the results and rate the crash. For example, if the car's front is completely crushed, it is considered a positive sign, indicating that the car can absorb its kinetic energy and reduce the impact of the accident.

Different Types of Crash Tests

Global NCAP, or the New Car Assessment Program, conducts crash tests in India. The following are the main types of crash tests conducted by NCAP:

• Frontal Crash Tests:

Front collisions are the most common type of accidents on the road. This is why manufacturers dedicate significant time to improving the safety and sturdiness of the vehicle's front end. In frontal crash tests, a car is made to collide with both static and dynamic barriers. These tests are critical, as frontal impacts cause more deaths and serious injuries than any other type of crash.

• Roof Strength Tests:

Although rollover accidents are rare, they can have a major impact. In such accidents, a car can flip onto its roof, and in the case of roof collapse, the occupants are at risk of being crushed under its weight. Manufacturers, therefore, test the roof of a car to assess how much pressure it can withstand. They measure the peak resistance it offers before crumpling. The strength-to-weight ratio is a measure of a vehicle’s roof strength and is calculated by dividing the resisting force by the gross vehicle weight. A higher strength-to-weight ratio generally indicates a safer car.

• Side Crash Tests:

Side crash tests assess a car's ability to protect its occupants in the event of a side impact. In these tests, a stationary vehicle is struck by a crash cart with a deformable barrier, designed to simulate the impact of real-world collisions.

Conclusion

Crash tests are essential for ensuring vehicles meet the highest safety standards. These tests simulate real-world accidents to protect lives, improve vehicle design, and pave the way for innovative safety technologies. The rigorous evaluations conducted during crash tests provide critical insights. As a result, every safety feature or star rating you see in a car exists because of crash testing and the insights gained from it.

However, it’s important to note that despite these advanced safety features, the unexpected can still happen. This is why having comprehensive car insurance is just as critical as driving a crash-tested vehicle. Insurance provides the financial security needed after an accident and covers damages, medical costs, and third-party liabilities. You can easily get car insurance online after comparing the available plans.

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.  

What can be more satisfying than a cold blast of air on your face on summer noon? We all know how essential car AC is for driving comfortably in the hot season. However, very few of us might be familiar with the components that make up a car’s air conditioning system. Car air conditioning has become indispensable for a perfect driving experience.

As an important component of your car’s system, it is critical to get your air conditioning unit serviced occasionally. Additionally, to select the right air conditioning system for your car, you need to understand its components and the different types of systems available.

Read on to explore the different components that make up a car’s air conditioning system.

Different Components of a Car Air Conditioning System

Here is a discussion of the several components comprising the car air conditioning system:

• Compressor

The compressor in the car air conditioning system is like its heart. The gaseous refrigerant is compressed into a liquid and subsequently circulated throughout the system. It functions like a pump, moving and pressurising the refrigerant to ensure it flows properly through the other components.

• Condenser

The condenser in the car air conditioning system works like a radiator. It cools down the high-pressure refrigerant gas from the compressor, turning the gas into liquid as it loses heat. Typically, the condenser is placed in front of the vehicle's radiator, near the engine.

• Expansion Valve

The expansion valve in a car’s air conditioning system controls the refrigerant’s flow, which is essential for cooling the air. It reduces the refrigerant’s pressure, causing it to change from liquid to vapour in the evaporator. This pressure drop cools down the refrigerant.

• Evaporator

The evaporator in the car AC system is analogous to the cooling coil found in refrigerators that cools the air by absorbing heat. Simply put, the evaporator evaporates the refrigerant, turning it from a liquid to a gas, before returning it to the condenser. This process of continuous evaporation and condensation operates in a cycle.

• Orifice Tube

The orifice tube has a specific length and width and works to expand the refrigerant. It resembles a cone and helps restrict the flow of refrigerant. By regulating the refrigerant's flow into the evaporator, it maintains the proper temperature and pressure.

• Receiver Dryer

Sometimes, liquid refrigerant can flow into the compressor without having converted it into vapor, which can damage the compressor. To prevent this, a receiver dryer is placed between the evaporator and the compressor. It ensures that any remaining liquid is transformed into vapour before it enters the compressor.

• AC Inline Filter

The main purpose of the AC inline filter in a car AC system is to trap contaminants and provide clean and fresh air. It captures impurities that could otherwise damage the compressor and restrict oil flow.

• AC Refrigerant

Car air conditioning systems use a refrigerant as the heat exchange medium due to its low boiling point. The refrigerant absorbs heat from the vehicle, enabling the system to provide cool air. It changes from liquid to gas and back, absorbing heat in the process. The compressor and condenser control the refrigerant flow in the car AC system, drawing warm air and pumping cool air into the cabin.

• Accumulator

The accumulator in car AC systems serves a similar function to that of the receiver dryer. However, the key difference is that the accumulator works on the gaseous side of the AC loop. While the accumulator serves several purposes, its primary role is to prevent compressor failure caused by liquid slugging. Additionally, it absorbs moisture and contaminants.

Common Types of Car AC Systems

Now that we’ve looked at the various components of the car AC system let’s explore the different types of car AC systems. The main difference between the two leading types lies in the positioning of certain components. Here are the two main types of car AC systems:

• Orifice Tube and Accumulator System

The orifice tube is placed before the evaporator in the Orifice Tube and accumulator system, while the accumulator is positioned before the compressor. Note that the Orifice Tube system is a simpler and less expensive type of car air conditioning system compared to the expansion valve system. It also requires comparatively less maintenance.

• Expansion Valve and Receiver Dryer System

In the expansion valve and receiver dryer system, the expansion valve is positioned before the evaporator, and the receiver dryer is placed between the condenser and the inline filter kit. The expansion valve system is more efficient than the Orifice Tube system but also more expensive. Additionally, it requires more maintenance compared to the Orifice Tube system.

Conclusion

Knowing about the car AC system helps you choose the right one for your vehicle. The car AC system is a vital component that requires appropriate maintenance and care to function properly. It’s important to have it regularly serviced to check for leaks and damage.

In addition to caring for your car's AC system, having comprehensive car insurance is crucial to safeguard your vehicle and get coverage against common types of damage. By selecting the right car insurance online, you can drive with peace of mind without worrying about your car's health.

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.  

Seat belts are often our first line of defense when it comes to vehicle safety. But you might wonder how they work so effectively during sudden collisions. The answer lies in an incredible component called the Seat Belt Pretensioner. This technology keeps you strapped in and tightens the seat belt during critical moments, actively reducing the risk of injury. It’s a lifesaving innovation that you should know about.

A seat belt pretensioner secures passengers in their seats by applying tension just before and during a collision, especially in head-on impacts. While the primary aim of seat belts is to minimise severe injuries and save lives, research has shown that seat belts have certain drawbacks that require improvement. A pretensioner is therefore added to enhance the effectiveness of the standard seat belt.

Purpose of a Seatbelt Pretensioner

A seat belt pretensioner improves the effectiveness of a standard seat belt by tightening the webbing during a crash or sudden stop. Here is why the pretensioner is so essential:

• It improves the effectiveness of seatbelts during collisions.
• It reduces slack in the seat belt and ensures that passengers are tightly secured to the seat.
• By eliminating excess slack in the seatbelt, the pretensioner minimises the risk of the passenger getting thrown forward when a collision takes place.
• The pretensioner activates right before or at the onset of a collision and quickly retracts the seatbelt to remove any slack.
• The seatbelt pretensioner controls the passenger’s movement during collision and helps prevent secondary collisions with vehicle components or other passengers. Reducing slack minimises the risks of hitting the dashboard or the steering wheel.
• The seatbelt pretensioner in cars works in tandem with other safety features, like the airbags, to optimise the protection of passengers. During a collision, the pretensioners position the occupants correctly so that the airbags provide maximum protection.
• Seatbelt pretensioners can improve the effectiveness of seat belt systems during high-impact collisions and reduce injuries.

Types of Seat Belt Pretensioners

There are mainly three types of seat belt pretensioners, each having a unique mechanism to tighten the belt during an emergency:

• Mechanical Pretensioner:

Mechanical seat belt pretensioners rely on an inertial wheel and a pendulum mechanism to secure the seat belt during a collision, preventing occupants from being abruptly thrown from their seats. However, mechanical pretensioners have a critical drawback: they can sometimes activate randomly rather than only during an accident. For example, the seat belt may tighten when forcefully pulled or when your car is moving down a steep decline, inadvertently triggering the mechanical pretensioner. The inertial locking system in some mechanical pretensioners also responds to sudden changes in vehicle speed. Additionally, mechanical seat belt pretensioners depend on mechanical components rather than pyrotechnic or electronic systems.

• Pyrotechnic Pretensioner:

Pyrotechnic pretensioners represent the most modern and advanced type of seat belt pretensioners. Most modern vehicles are now equipped with pyrotechnic seat belt pretensioners. Unlike other types, pyrotechnic pretensioners do not lock the seat belt during rapid deceleration. Instead, they gradually tighten the belt to remove any remaining slack and reduce the occupant’s movement. This system operates with the help of an electric control unit and a gas generator that activates explosive charges. However, it’s important to note that pyrotechnic pretensioners cannot be reused. Once deployed, they must be replaced before being used again in any subsequent incident.

• Electrical Pretensioner:

An electric pretensioner replaces the pendulum mechanism in a mechanical pretensioner with an electronic sensor. It is also integrated with other safety systems, such as the airbag deployment system and rollover sensors. As a result, electric pretensioners are considered more effective during a collision, as they work in tandem with the airbags to provide superior protection. Since electric pretensioners rely on specific car sensors, they cannot be accidentally activated, ensuring they function precisely as intended.

Working Principle of Seat Belt Pretensioner

A seat belt pretensioner is activated during an accident or collision after receiving a signal from a sensor. When activated, the pretensioner generates an electric charge, triggering a piston that causes a spool to coil rapidly. The seat belt fabric is tightly wound around the spool, removing any slack in the seat belt.

The pretensioner helps position occupants securely during a collision, ensuring their protection. It works in conjunction with the airbags to maximise passenger safety. If you ever experience difficulty fastening your seatbelt, it may be necessary to have the pretensioners inspected by an expert. These advanced devices require careful handling by a trained professional. Regularly monitoring the condition of your seatbelt pretensioners should be part of your maintenance schedule to help prevent potential accidents.

Conclusion

Seat belt pretensioners are a vital component of modern vehicle safety. They work silently behind the scenes to protect you and your family in the event of an accident. Whether electrical, mechanical, or pyrotechnic, these devices are designed to enhance seat belt performance and minimize injury. Investing in a vehicle with appropriate safety features is a prudent decision.

However, it's important to note that while seat belt pretensioners and other safety features are essential, they are not the only protection you'll need. Comprehensive four wheeler insurance is equally important, providing financial security in case of an accident. It covers damage to your vehicle and extends protection against medical expenses, third-party liabilities, and unforeseen events such as theft or natural disasters.

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.  

When shopping for a car, we typically consider factors like budget, fuel economy, and body type. However, there's one crucial element that often gets overlooked: the transmission.

The transmission acts as a connection between the engine and the wheels, playing a vital role in how power is delivered. It adjusts speed and torque based on your driving needs, ensuring the vehicle runs efficiently. For instance, the speed required for accelerating on the highway differs from what’s needed when navigating city traffic. In both scenarios, the transmission keeps everything running smoothly.

Understanding how the transmission works can help you make more informed decisions, saving you both time and money. Let’s take a closer look at car transmissions before we explore the different types.

A car's transmission is a key part of the drivetrain, distributing power from the engine to the wheels. It adjusts that power to match the required speed and torque—whether you're accelerating, climbing a hill, or cruising along steadily. By balancing engine output with wheel performance, the transmission ensures a smooth driving experience and optimal fuel efficiency.

Read on to learn more about a car’s transmission system.

Different Types of Car Transmissions

Earlier, the only option for car transmission was manual. However, automobile technology has advanced significantly over time, and now there are two options for car transmission: automatic and manual. Continue reading to learn more about these two types of car transmissions.

Manual Transmission:

In cars with manual transmission, the driver shifts gears using the gear stick and clutch pedal. When the clutch is pressed, it disengages the engine’s input shaft, allowing the driver to change gears as needed.

The main components involved in manual transmission include the input shaft, countershaft, output shaft, synchronisers, dog clutches, and the clutch.

Manual car transmissions typically include five gears, including a reverse gear. Drivers must manually change gears based on the speed and power required.

Manual transmission offers several advantages, along with some drawbacks. Let’s take a look at the main benefits of manual transmission in cars.

• Car owners can easily maintain their vehicle’s transmission system since they only need to navigate via the clutch. The rest of the car parts generally remain protected from wear and tear.
• There is no need to change the vehicle’s engine and gear oils too frequently.
• The manual transmission system does not include a hydraulic pump or torque converter, which contributes to better fuel economy.

While manual transmission has several advantages, it does have a few shortcomings that you should be aware of:

• Learning gear-changing procedures in manual transmission can be somewhat complex, as it requires simultaneous use of the clutch pedal and gear stick. As a result, new drivers may take some time to learn and adjust.
• Riding on slopes can be challenging with cars using a manual transmission. If your car stops while climbing a slope, it can be challenging to restart, as releasing the brakes causes the car to start rolling backwards.

You must consider both the advantages and shortcomings of manual transmission before making a final buying decision.

Automatic Transmission:

In the case of automatic transmission, there is no need to change gears manually. The torque converter in an automatic transmission controls the engine’s RPM and transmits the required power to the wheels. Two turbines are involved in the mechanism, with hydraulic fluid connecting them to transfer power from the engine to the wheels. The clutch is replaced by a fluid coupling in an automatic transmission.

Automatic transmission also has various subtypes, such as Automated Manual Transmission, Continuously Variable Transmission, and Dual Clutch Transmission. Let’s consider some significant advantages of automatic transmission.

• You do not face much difficulty driving in hilly areas or on slopes since it is easier to restart your engine.
• There is no need for continuous gear changing when you are caught in heavy traffic.
• You do not have to replace the clutch.
• You can quickly and easily accelerate when needed.

However, we must also consider some of the key drawbacks of automatic transmission:

• Cars with automatic transmissions can be less fuel efficient than those with manual transmissions because of the torque converter.
• Maintenance costs of cars with automatic transmissions can be higher than those with manual transmissions. Concurrently, car insurance premiums may be higher.
• If you want a better off-roading experience, automatic transmission might be a less desirable option.
• You need to change the transmission fluid after every 50000 km travelled.

Conclusion

Now that you are aware of the key features, advantages, and drawbacks of the two transmission types, you can make a conscious decision about which one suits your lifestyle.

Transmission plays an integral role in vehicle performance and your driving experience. However, be sure to carefully weigh the advantages and disadvantages of both transmission types before making your choice. Additionally, consider getting comprehensive car insurance to protect you and your vehicle, no matter the transmission type. Car insurance offers protective coverage that shields you from the financial impact of unforeseen circumstances.

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.  

When was the last time you thought about your car’s wheels? Probably not often. Yet they have a prominent role in terms of your vehicle’s performance. When upgrading or replacing your car’s wheels, the decision often boils down to steel wheels vs. alloy wheels. Each type has its unique benefits, and your selection will depend on your preferences, style and priorities.

Read on to explore the key differences between steel and alloy wheels, their pros and cons and how to select the right one based on your needs.

What Are Steel Wheels and Alloy Wheels?

Before deciding upon a winner in the steel vs alloy wheels debate, let’s learn more about both.

Steel wheels are remarkable for their toughness and durability. Made from stamped steel, they are suitable for heavy-duty use and are 70-80% cheaper compared to alloy wheels, making them more affordable. Steel wheels are mostly used in SUVs with off-roading capabilities, cars, buses, and trucks. Due to the malleable nature of steel, these wheels can be easily repaired. They can be found in almost all entry-level cars, making them the best option for those looking for a low-budget and economical choice.

Alloy wheels, on the other hand, are mixtures of metals that combine the various qualities of the metals they are made from. Typically made from aluminium and magnesium alloys, alloy wheels, despite being costlier than steel wheels, offer some unique advantages. Usually found in high-end cars, they can significantly enhance a car’s appearance. Additionally, alloy wheels offer notable performance benefits. They are lighter than steel wheels, which results in better braking and acceleration. The lower weight of alloy wheels also means they transmit less weight to the coil spring. Moreover, alloy wheels can dissipate heat faster compared to steel wheels, leading to extended tyre life. Alloy wheels are also longer lasting since aluminium alloys are corrosion-resistant.

Differences Between Steel Wheels and Alloy Wheels

There are several major differences between steel wheels and alloy wheels. It is important to learn about these differences before making a decision regarding which one perfectly suits your needs.

• Steel wheels are a better choice for those seeking a more affordable option. Alloy wheels can be expensive, whereas steel wheels cost 70-80% less than their alloy counterparts.
• In terms of appearance, steel wheels may be less appealing compared to their alloy counterparts. Alloy wheels look much more attractive and can significantly enhance a car’s overall look.
• Alloy wheels are lightweight compared to steel wheels. Steel wheels are heavier, while alloy wheels are made from lighter alloys, such as aluminium and magnesium.
• Steel wheels have a standard design, and there is little to no scope for customisation. On the other hand, alloy wheels come in various sizes and designs and one can choose a design according to their preference.
• Steel wheels are more economical and, therefore, commonly found in budget and entry-level cars. However, alloy wheels are generally found in higher-end cars and sports cars.
• Steel wheels, which are designed to be rugged and sturdy, are safer compared to alloy wheels. The chances of their cracking also remain low. Alloy wheels are also sturdy but not as durable as the steel wheels. Alloy wheels can crack upon impact. If they crack while driving at a higher speed, it may have a lethal outcome.
• Steel wheels are quite sturdy and often do not require much maintenance. However, alloy wheels are comparatively less sturdy and, therefore, need regular inspections for cracks and bends.
• Due to the malleable nature of steel, it is easier to repair steel wheels. Moreover, the process of repairing steel wheels is also less complicated and less costly compared to alloy wheels. Repairing alloy wheels, on the other hand, can be costly and much more complicated.
• Steel wheels are heavier and add a lot of pressure to the spring coil, which reduces fuel economy. Alloy wheels can provide better fuel economy since they are lightweight and cause less pressure on the spring coil.
• Steel wheels are heavier, which can hurt vehicle performance. For example, braking and acceleration in the case of steel wheels are slower due to their heavier weight. However, alloy wheels are better when it comes to vehicle performance. They are lightweight and allow for improved handling, braking and acceleration.
• Steel wheels are robust compared to alloy wheels. They are more durable. On the other hand, alloy wheels are less durable and prone to damage.
• Wheels made from aluminium alloys have corrosion-resistant properties. Steel wheels can be prone to corrosion, which can be prevented to some extent using methods like powder coating.

Conclusion

When considering alloy wheel or steel wheel, the choice ultimately depends on your priorities. Steel wheels are excellent in terms of durability and affordability. However, alloy wheels offer style and superior performance. Whether tackling rugged terrains or cruising city streets, the right type of wheels can make a significant difference in your driving experience. One more important thing to consider is protecting your investment. Regardless of the wheels you choose, it is essential to have comprehensive car insurance. You can easily purchase car insurance online, which will safeguard your vehicle against unexpected damages or accidents.

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.  

Power windows, also known as electric windows, have become a standard feature in almost every modern car. This allows you to raise or lower the window operated by a switch or a button. The power windows in cars enhance convenience and the overall driving experience.

But how do power windows work? Here’s a detailed overview of its mechanism, features, and everything that you would want to know.    

Features of Power Windows in Cars

The power windows in cars use a mechanised system that enables drivers and passengers to control windows’ operation with the help of a button. 

Let’s take a look features that power windows are equipped with:

• Automatic Down

The windows of most of the cars today have an automatic-down feature. To use this, you need to tap and release the down button once, and your vehicle’s window will automatically roll down. The automatic down system of power windows uses a circuit to monitor the control and the speed at which windows slide down. This depends on how much force you put on the button.

If you press the switch for a long time, windows roll down quickly and reach the limit. As soon as you leave the switch, the windows stop going down. 

• Automatic Up

Another important feature of power windows is automatic-up. This feature allows you to roll the windows up by pressing a button. Although the automatic-up feature works similarly to the automatic-down feature, the former needs to be operated carefully. Before pulling up the window, ensure that no body part, such as a child’s hand or a dog’s paw, is sticking out.

• Control from Outside

Modern power window systems also have the ‘control from outside’ feature, which enables you to operate your car’s windows remotely. This feature is quite useful and can be used in multiple instances. For example, you can use it to ventilate your car before entering it on a scorching day.

• Courtesy Power-On

The courtesy power-on feature of electric windows allows cars to maintain power in the window circuit even after turning off the ignition. Therefore, you don’t have to stick your car key back in the ignition to roll up the vehicle’s windows. The circuit of the windows system will have a relay on the wire that supplies the needed power.

• Timer Function

Do you want your car’s windows to remain open or closed for a specific period? Power windows in cars may come with a timer function that allows you to preset the duration for which your vehicle’s windows will remain up or down. 

• Safety Sensor

Nowadays, manufacturers equip advanced power window systems with safety sensors to detect any obstacle during operation, especially when rolling up. These safety sensors ensure that the windows stop rolling up or down immediately if there’s any external resistance.

Mechanism of Power Windows

It is a good idea to familiarise yourself with the mechanism of power windows before you start operating it. This would not only help in controlling it better, but also save you from the car power window repair expenses.

The system of these windows involves various electrical and mechanical actions working together to roll windows up and down. Here’s how it works:

• Activation: The window control button is on the side door of the driver's seat. When you press the window switch down or up, an electric circuit completes, transmitting signals to the window motor to adjust the window’s position.
• Motor Engagement: After receiving the signal, the window motor starts rotating. This motor rotation is further transmitted to a set of gears that convert the same into linear motion.
• Regulator Action: The linear motion produced by the motor’s rotation is further transmitted to the power window’s regulator assembly. This assembly guides the window glass’s movement along its predefined path, i.e. up or down. 
• Window Movement: When the regulator assembly moves the window’s glass, it travels along the tracks and guides. The glass either rolls up or down, depending on whether the window switch has been pressed up or down. 

Conclusion

Power windows are a remarkable innovation in automotive engineering. They have made a tremendous impact on convenience and comfort. The mechanised window system, with multiple features such as safety sensors and a timer function, has made car driving a joyful experience. But just like other car parts, any malfunction can also affect power windows. In such a case, you should immediately get them repaired to ensure smooth operation. 

Also, purchase a good car insurance cover that safeguards your vehicle against accidents, damages or 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.  

A car's dashboard offers many options in terms of information and functionalities. Among these are gauges that help drivers understand the dynamics of vehicular movement. In addition to the two most prominent gauges on the dashboard—the speedometer and the fuel gauge—some other considerably important ones are the temperature gauge, oil pressure gauge, voltmeter, and tachometer gauge.

Each gauge helps the driver monitor the car's specific systems. Thus, understanding them can help a lot in a smooth and safe driving experience. Talking about safety, it is a smart decision to purchase appropriate car insurance.

This article examines the different types of gauges in a car and what to do if any of them stop working.

Types of Gauges on a Car

You can most commonly find six types of car gauges on the vehicle’s dashboard. Each has a specific purpose. In this section, you will understand what they mean and their functions:

1. Fuel Gauge

You will see it on the dashboard of almost every car. It acts as an indication of the amount of fuel left in your car’s tank. The standard rule is that ‘F’ indicates the tank is full, and ‘E’ indicates the tank is empty. When the tank is full, you will see the needle point toward the ‘F’ sign. It gradually moves toward the ‘E’ sign as the vehicle starts consuming fuel while being driven from one destination to another.

Sometimes, drivers are too focused on driving to notice where the needle is located in the fuel gauge. To help drivers avoid this situation, manufacturers install warning lights that blink when the fuel tank is about to empty. 

2. Speedometer

The primary function of this gauge is to inform drivers about the vehicle’s speed. This information is vital from a safety’s perspective. Mostly located right in front of the driver, the speedometer helps in keeping the acceleration in check.

An interesting point is that the speedometer readings are affected by the vehicle's speed and the size of the tyres! Larger tyres rotate at a slower rate, which means the speedometer will register a lower reading than the vehicle’s actual speed.

3. Tachometer

The tachometer’s function is to measure the revolutions of your car’s engine each minute. Simply put, it measures the speed at which the engine is rotating. The engine’s speed is measured in RPM (revolution per minute).

The tachometer usually shows numbers from 1 to 8, but to calculate the actual RPM, you need to multiply those numbers by 1,000. The tachometer helps drivers determine the right time to change the gears. In addition, monitoring this gauge can help maintain fuel efficiency with the best acceleration.

Drivers should ensure the tachometer needle doesn’t fall into the red area, which indicates that the engine is under stress.

4. Temperature Gauge

The temperature gauge helps determine the effectiveness of the engine coolant. When this gauge indicates a rising temperature, pull over and allow the engine to cool for a while. Driving with an overheated engine can permanently damage the car and its engine.

To achieve the best results, it should be ensured that the needle on the temperature gauge stays halfway between hot and cold (H or C). It's one of the car gauges that comes with a warning light to warn the driver about their car’s abnormal thermal state.

5. Oil Pressure Gauge

Oil’s pressure on the engine is measured in pounds per square inch. Drivers are always asked not to drive their car with a lower fuel level even for a minute, as it can damage their engine badly.

The oil pressure gauge has a warning light that goes on if your car is running low on fuel. In this case, you should immediately stop the engine and refill the oil.

6. Voltmeter

By keeping an eye on the voltmeter gauge, you can gain insights into your car's battery's health (charge). The car’s engine will start only when the battery is fully charged.

Not every passenger car has a voltmeter on its dashboard, but such vehicles usually have a low-battery warning light. If the light goes on, it means the battery charge has dropped, and you might have to recharge it.

What if the Gauge Light Stops Working?

Here’s a step-by-step guide to help you in case the gauge light of your vehicle stops working:

Step 1: You should look for the detective gauge light and try to locate its sensor.

Step 2: Disconnect the detective gauge light from its sensor.

Step 3: Connect the sensor with the grounded connection.

Step 4: If this step works, you can place the sensor back.

Step 5: If the above steps don’t work, you should ask the expert for help.

Step 6: Is there a loose sensor connection? If so, you should reconnect it.

Conclusion

You should monitor all the gauges on your car’s dashboard to ensure your car remains in good condition. They are an indication of your vehicle’s overall health. If any car gauge malfunctions, you should immediately get your vehicle checked. 

Remember that a good car insurance plan provides maximum coverage in the event of accidents, damages, or 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.  

Rental car insurance is a motor insurance that covers you when you rent a car from a company. It protects you from paying for damages, theft or third-party liability in case of an accident or mishap involving the rented car. Rental car insurance differs from personal car insurance, depending on the rental company and the vehicle’s location. 

Rental car insurance usually includes the following coverages: Collision Damage Waiver (CDW), Theft Protection and Third-Party Liability. CDW covers the car’s bodywork, while theft protection covers the loss of the vehicle due to theft. Third-party liability covers the damages caused to other people or property by the rented car. Rental car insurance is essential because it gives you peace of mind and saves you from paying a considerable amount of money to the rental company in case of any unforeseen event. 

You can buy this category of car insurance from a rental company or an online platform.

Do you need rental car insurance?

You should opt for a rental car insurance plan when you meet any of the situations listed below.

If you do not own a car and do not have personal car insurance, opt for this type of policy. In this case, you will need at least third-party liability insurance, which is mandatory in India.

Investing in a rental motor insurance policy is wise if your personal car insurance does not cover rentals or has limited rental coverage. You should check your policy details and see if it covers collision, theft, and third-party liability for rental cars. If not, you should buy rental car insurance to fill the gaps.

If you rent cars frequently or for long periods, you should go for this type of insurance. Rental car insurance can be cheaper than paying for damages or theft out of your pocket.

Opting for this category of motor insurance will leave you worry-free about paying a high deductible or losing your no-claim bonus. Rental car insurance can have lower deductibles and will not affect your personal car insurance record.

If you are travelling for business, and your company does not cover you, choosing this type of car insurance would be prudent. You should check whether your employer provides rental car insurance for business trips. If not, you should buy it yourself to avoid any liability 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.

Let’s try to understand temporary car insurance and subsequently delve into why you may need it.

What is Temporary Car Insurance?

Temporary car insurance is a type of vehicle insurance policy that provides coverage for a brief period. It differs from the usual car insurance policies valid for one, three or five years. This car insurance policy can range from a single day to a few months, depending on the policyholder’s needs.

Let's look at some benefits of a temporary car insurance policy highlighted below.

It is flexible and convenient. You can buy it online and activate it instantly.

It is cheaper than buying a long-term car insurance policy, as it only covers the period when the vehicle is in use.

Some of the types of temporary car insurance policies available in India are:

1. Rental car insurance: This provides coverage for rental cars against damages due to accidents, man-made calamities, accidental injuries, etc.
2. Gap insurance: This policy covers the difference between the market value and the loan amount of a car you bought on loan or lease.

A temporary car insurance policy is rare in India but popular in foreign countries. 

When and why to Buy a Short-term Car Insurance Policy?

Here are some situations when buying a short-term car insurance policy makes sense:

• Short-term insurance can protect you from unexpected accidents or damage when borrowing or renting a car for a short period.
• It is a practical choice for visitors or tourists who require insurance while driving a rental car in a foreign country.
• Short-term insurance offers immediate coverage for your peace of mind if you plan to test drive a vehicle before making a purchase.
• When your regular policy is about to expire, but you have not renewed it yet, short-term insurance can bridge the gap until you secure long-term coverage. Consider this option if you only use your car sporadically, avoiding the cost of an annual policy when you rarely drive.
• During situations like moving or transporting a vehicle, short-term coverage ensures your car remains protected for the task’s duration.
  

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.

Every person in India must buy car insurance for his/her car before driving on the road. The Indian Police have the right to check if the car owner possesses valid car insurance. Moreover, it is compulsory to carry all the essential documents required for driving a car at all times.

Now, the question is, do Police check car insurance?

Yes, they do.

The police have the right to check the validity of the insurance and other essential documents as they deem fit. If a person is unable to produce the said documents on the police request, then he/she is eligible for a fine, imprisonment, or both.

As all the information about the vehicles gets compiled in a register in the state and national database, it makes it easier for the police officers to enquire about the car’s insurance from the said office. Once the car insurance expires, it is wise to get it renewed or buy car insurance.

Documents required for driving a car in India

The Indian government makes it necessary to carry certain documents required for driving a car. The list of the documents includes the following —

• The Registration Certificate: This is the first official document to ensure your vehicle is registered and recorded in the National Vehicle Register. You must apply for it at the Regional Transport Office within 7 days of purchasing a vehicle.
• Pollution Under Control (PUC) Certificate: This certificate shows that a vehicle has cleared the pollution emission tests as per the norms for cars in India. You must carry it; failure to do so may result in a fine or penalty. The government has authorised centres or petrol pumps to perform the PUC test.
• Driving License (DL): A driving license is one of the most important documents required by car owners. The Motor Vehicles Act of 1988 states that you have to get a learner’s licence followed by a driving test after a month. Once you qualify, a permanent DL is issued.
• Car Insurance: It is compulsory, as per the Motor Vehicles Act, 1988, to opt for car insurance and carry the documents with you while driving your vehicle. You have to have third-party liability coverage for your car. You can opt for comprehensive plans with additional coverage as per your requirements.
• Certificate of Fitness/required Permits: If the vehicle gets used for commercial purposes, you must have all the necessary permits along with a Fitness Certificate, signifying that the car is fit for being used in public places.

You should buy car insurance immediately after purchasing a car and renew it right before its expiry. Make sure to keep all the necessary documents required to drive a car to save yourself from the penalties and legal hassles.

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.

Car insurance is a mandatory aspect of owning and operating a vehicle. One of the perks that responsible and safe drivers can enjoy is the No Claim Bonus (NCB).

No claim bonus is a prize given to the policyholders by the insurers when they have a claim-free year. When the policyholders do not claim for a particular year or consecutive years when the policy is active, they become eligible for a 20-50% discount on the premium. NCB is basically a reward to the vehicle owner given by the insurer in order to motivate them to drive safely and responsibly.

But how do you check your No Claim Bonus and ensure you get the discount you deserve?

To check the no-claim bonus for your car insurance:

• Check the NCB slabs; you can identify the applicable NCB from there.
• When renewing your car insurance or new car insurance online, the insurer’s webpage mentions the applicable NCB.
• The insurance policy documents of your car or new car insurance also mention the NCB calculation.

It is important to know the NCB status because it leads to cost savings if you want to buy or renew your car insurance. Let us understand the steps to check the no-claim bonus.

Steps to check no claim bonus for car insurance

To check the no-claim bonus and to ensure you are benefiting from it, here are the steps:

• Contact your insurance provider: Request your insurance provider to issue a no-claim bonus certificate.
• Check policy documents: NCB can be verified after examining the documents, which include insurance documents and renewal notifications or by going to the insurer’s website or mobile apps.
• Verify NCB calculation: To calculate the NCB, you need to check the premium cost and the number of claim-free years. The starting range of NCB is 0% and can go up to 50% with each claim-free year. The higher the NCB, the higher the savings and benefits for the policyholder. If you file a claim, then the limit of NCB falls to zero but increases with each following claim-free year.

Furthermore, if you’re pondering the question of ‘how long you can drive a new car without insurance’, we strongly recommend obtaining new car insurance for your vehicle, as driving without insurance is against the law.

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.