Introduction

Electric cars are swiftly replacing other car types as the norm. We have the ideal opportunity to discuss the most contentious issue surrounding EVs: the battery.

Since every automaker is quickly turning its attention towards greener mobility, it is clear that the EV revolution is here to stay.

Granted, the range that batteries offer is contentious, but the batteries themselves are not! The most significant obstacle to purchasing an EV is ‘range anxiety.’ In an electric vehicle (EV), batteries are the energy storage device.

Now, let’s explore the types of batteries used in electric vehicles (EVs).

Different types of batteries used in electric vehicles

Alt: Exploring the Array of Batteries in Electric Vehicles

Embarking on the journey of electric vehicles (EVs) unveils a fascinating realm of technology, particularly in energy storage. Understanding the landscape of different types of batteries used in electric vehicles is essential for delving into the heart of this innovative automotive revolution. In this exploration, we delve into the diverse world of electric vehicle batteries, shedding light on the key players shaping the future of clean and efficient transportation.

1. Lithium-Ion Battery (Li-ion)

Li-ion batteries are the ones found in electric vehicles the most frequently. This provides:

• Exceptional energy economy.
• Good high-temperature performance (battery heat won’t affect performance).
• Strong capacity to be recycled.
• A superior power-to-weight ratio allows for a large charge-holding capacity even at reduced sizes.
• Minimal self-discharge (excellent at retaining charge even when inactive for extended periods).

The success of Li-ion as the preferred battery when creating EVs is mainly due to these characteristics.

2. Hybrid Nickel-Metal (NiMH) Batteries

Hybrid-electric vehicles (HEVs) more frequently utilise nickel-metal hydride (NiMH) batteries, offering longer life cycles and excellent safety than lead-acid batteries.

They also offer a stronger resistance to unfavourable conditions. However, there are serious issues with NiMH batteries because of their high rate of self-discharge and propensity to overheat. Their production costs are also higher.

Hybrid vehicles are the only option because scaling up to fully fledged electric vehicles (EVs) with NiMH batteries is much less practical due to these issues.

3. Solid State Batteries

Except for using solid electrolytes rather than liquid electrolyte solutions, solid-state batteries (SSB) are essentially lithium-ion batteries.

Therefore, the chance of catching fire decreases. To top it off, they last longer and have a higher energy density than lithium-ion batteries, making them ideal for electric vehicles. Still in its experimental stages, though, is the technology.

4. Lead-Acid Batteries

The earliest rechargeable batteries are lead-acid ones. Before lithium-ion batteries were discovered, these were the most practical choice. Though they typically weigh more and discharge more quickly, their manufacturing costs are substantially lower.

5. Aluminium-Ion Battery(AI-Ion)

Ion batteries made of aluminium are being extensively researched, particularly in India, despite not being widely used.

An enormous advantage of using Al-Ion batteries in the country’s massive bauxite (aluminium ore) reserves is that India is the world’s second-largest aluminium smelter. This would help the country produce more electric vehicles.

6. Ultracapacitors

Supercapacitors, or ultra-capacitors, are this list’s most unique energy storage units. Unlike regular batteries, supercaps store polarised liquid between the electrolyte and the electrode instead of traditional batteries.

As an alternative to NiMH batteries for secondary storage in electric vehicles, ultra-capacitors are highly suitable even though they are not as large as full-scale battery packs.

This is due to supercapacitors’ enormously high power delivery, which is fantastic following those crucial regenerative breaking start-stop acceleration moments.

Conclusion

Car insurance companies are adjusting to the new environment as electric vehicles become more commonplace on the roads. Comparing the insurance of an electric vehicle to that of a traditional vehicle may require some adjustments.

It is critical to comprehend the various battery types as the automotive industry continues to embrace electric vehicles.

Each battery technology has a unique set of benefits and drawbacks concerning driving range, charging time and overall performance.

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 being out on a safari, and suddenly, the car stops in the middle of nowhere. Not the most ideal way to find out the car needs work. So, let's look into what exactly a hydrolocked engine is, what causes a hydrolocked engine, and how we can save our precious car.

What is a Hydrolocked Engine?

Like every other engine, a car needs specific fluids to function properly. While a range of liquids work effectively in car engines, water is not one of them. The term "hydrolocked" originates from the phrase "hydrostatic lock." As you might have guessed, it's a water-related problem, which is obviously dangerous for any car's engine.

A hydrolocked engine is a serious issue that can happen if water enters the combustion chamber within the cylinders, preventing the piston from moving smoothly. When hydrolocked, the engine can't turn over, and attempting to start it might cause serious harm.

How Does an Engine Become Hydrolocked?

You might wonder what causes a hydrolocked engine. Here are some reasons:

• In a hydrolocked engine, water disrupts the standard compression and combustion process. When the piston tries to compress the air-fuel mixture, it faces resistance as water is highly incompressible. This sudden resistance can lead to a broken crankshaft or connecting rods, which damages our vehicle.
• Regions with heavy rain are more prone to hydrolocked engines. During floods or heavy rain, when water reaches high levels, it is enough to submerge the car engines, leading to hydrolocking.
• Driving during storms or through puddles can cause hydrolocking.
• Crossing small streams that are shallow enough to drive but high enough for water to enter can cause hydro-locking.

Hydrolocked Engine Symptoms

But then the question is, what are hydrolocked engine symptoms? If we are aware of the hydrolocked engine symptoms, we can act accordingly and save ourselves from dangerous situations.

• If the car engine refuses to respond when we start the car, it is the earliest sign of a damaged engine. We might hear a sputtering sound emanating from the engine or a resistance to responding.
• If a car engine does not start, irregular and loud noises emanate from within.
• If the first two symptoms don't ring any alarm bells, then watch out for more visible signs, like smoke emitting from the exhaust, the smell of something burning, and engine shaking.

Conclusion

We can avoid hydrolocked engines by taking proper measures like driving less during heavy rains or floods, taking a land route during safaris, and getting a regular check-up at our local garage. While your car insurance might cover the damages, preventive steps can always ensure a smooth run for your vehicle.

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

Car insurance gives protection against damages and financial loss. However, is it wise to claim every time the vehicle is involved in an accident or suffers minor bumper damage? Remember that whenever we file for a claim, it increases premiums in the future and might require expenses from your pocket for additional damages.

In the following section, we will explore things to consider and when to file a claim for car damage.

When you should and shouldn’t claim insurance for bumper damage?

Are you looking to claim car insurance for minor bumper damages? First, let’s explore when you should claim insurance for bumper damage. Here are some instances:

If the loss is considerable

The loss could be significant if the accident involves another driver or more than two vehicles. In that case, a car owner can consider claim filing for a smooth process.

If there is an injury

If anyone gets injured in the accident, inform the insurance provider immediately. It is advisable not to hide such incidents or pay out of pocket for repairs. Hiding injury due to a car accident can have adverse consequences in the future, like civil suits for injuries.

If the repairing cost exceeds the deductible

If the expenses to repair the bumper exceed insurance deductibles, you should file a claim to cover surplus expenses.

If it isn’t your fault

Car owners should file a claim for bumper damage when they have to spend for medical or other bills for another driver involved when expenses are beyond their means, and it is someone else’s fault.

Here are some scenarios where you shouldn’t claim car insurance:

If you don’t have comprehensive car insurance coverage

You should not file a claim for bumper damage when you do not have comprehensive car insurance; you do not have to pay another party, and you can easily pay for the damage to your car.

If you have filed claims in the recent past

You should consider not filing a claim if you have filed a claim in the last three to five years, as it drastically increases premiums in the future.

If it is your fault

You should refrain from claiming insurance if bumper damage is due to your negligence.

If the repair cost does not exceed the deductible

You should not claim car insurance for bumper damage if the repair cost is lower than your deductibles. It means you will have to spend from your pocket and also suffer from higher premiums in the future.

Conclusion

These are significant conditions to decide whether you should file a claim car insurance for bumper damage or not. Remember, car insurance is a financial protection against damages due to accidents. An insurance claim may be an option if you are not financially able to fix the bumper damage by yourself, even if it can cause higher premiums later on. Leverage the insurance cover according to your financial circumstances and drive safe.

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. 

Understanding the complexities of engine maintenance is a crucial element of responsible vehicle ownership, and drivers may inevitably face a significant concern known as the feared ‘hydrostatic lock.’ A hydrolocked engine, resulting from entering water or other fluids into the combustion chamber, can wreak havoc on your vehicle’s performance and longevity. In this guide, we will explore how to avoid and address the challenges a hydrolocked engine poses. By comprehending the root causes and implementing proactive measures, you can shield your vehicle from the potential damages posed by this issue. Join us on a journey to discover the key strategies for keeping your engine running smoothly and avoiding the pitfalls of hydrostatic lock.

How Might You Avoid It?

In the realm of engine vulnerabilities, a ‘water-locked engine’ is a potential threat that can disrupt your vehicle’s functionality and longevity. This exploration delves into the strategies and precautions you can take to shield your engine from a water-locked fate. Join us as we unravel how to steer clear of a water-locked engine and ensure a smoother ride for your vehicle.

• Air Filter Shield: No drowning the air filter during car washes. Think spa day, not waterboarding.
• Stay Away from Water: Heavy rains and puddles are drama queens. Avoid driving through them. 
• Drive Carefully: Be cautious in bad weather or areas with lots of water. Try not to drive where flooding is likely. Be the careful driver, not the risky one.
• Keep Up with Car Check-ups: Regularly check your car’s parts, like the air filter and engine seals, to ensure they’re okay. Fix anything that could let water sneak into the engine.
• Mechanic SOS: Suspect a watery invasion? Skip the detective work; get a mechanic pronto. 

Repairing a Hydrolocked Engine

Now, even after all this, you still have a hydrolocked engine. Very obvious question you might have: What do I do now? Alright, let’s talk hydro-locking repairs. Can you fix it? Absolutely, but it comes with a price tag and a clock ticking.

• Minor Splash? Spark Plugs and Quick Touch-Up: 

Minor damage calls for a quick fix – new spark plugs, fluid change and oils—simple touch-ups without breaking the bank.

• Major Hydrolocking Drama? Get Ready for Repairs:

For the Big Trouble:

1. Drain the Water: Say goodbye to unwanted water, like drying off after an unexpected splash.
2. Take it Apart: We’re diving into the engine, piece by piece, like solving a puzzle.
3. Swap Out the Worn Parts: Bent or broken parts get replaced. Out with the old, in with the new.
4. Check Cylinders and Block: Ensure strong cylinders with a pressure test and inspect the engine block for cracks. No weak links are allowed.

It’s not a quick fix; consider it a necessary overhaul that takes time, effort and a bit of cash. Here’s a tip: avoid the hydro-locking adventure and keep your engine dry. Your wallet and car engine will appreciate the smooth ride!

Conclusion

Safeguarding your vehicle from hydrolocked engines is crucial for maintaining its longevity and performance. Regular maintenance, cautious driving in flood-prone areas and timely repairs are essential to prevent and address hydro-locking issues. Furthermore, as you navigate the road to protect your engine, remember to ensure the safety of your investment through reliable car insurance coverage. In unexpected situations, a thorough insurance policy offers financial security and peace of mind, enabling you to enjoy your journey on the open road confidently. Stay informed, stay prepared and drive securely to keep your engine and investment in top-notch condition.

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. 

Tyres are hands-down one of the most significant components of a car. It literally runs on them with different fuel options. Therefore, choosing the tyres for car is a crucial decision for its stability, grip on the road, balance and more. However, it needs to be more precise with dozens of options, different shapes & sizes and quality factors.

To sort it out, we will discuss factors to consider while browsing new tyres for cars in the following section. Refer to this guide for a comfortable drive.

Choosing the Right Tyres for Your Vehicle

Here are the things you should remember while choosing the right tyres for your car.

• Consider a tyre type that suits wheels. Two types of tyres are primarily available in India: tube and tubeless tyres. Automobile experts suggest tubeless tyres, which are around five times easier to repair or fix.
• Alloy wheels perfectly complement the tubeless tyres of a car. A tube tyre is suitable for vehicles with steel rims. It is also cheaper than the tubeless ones.
• The road is full of different segments of vehicles, including SUVs, hatchbacks, sedans, etc. Therefore, it is essential to choose new tyres for cars with a suitable size in mind.
• Consider the bifurcation of a tyre size, including tread width, rim diameter, and aspect ratio. Usually, vehicle manufacturers recommend tyre dimensions.
• Going with the car maker’s recommendations helps to stay true to the vehicle dynamics and avoid mistakes.
• People often go with wider tyres to enhance the appearance and improve contact patches and grip on the road. However, it might decrease fuel efficiency and hamper the vehicle’s dynamics.
• Tyre treads displace water on the road and grip the road. These come in three variants: asymmetrical, symmetrical, and directional.
• Check tyre components for the tread and belt assembly and the casing. It is vital for the longevity of tyres on the road.
• People should also look for the manufacturer’s warranty, brand feedback and reputation, and manufacturing date when shopping for new tyres for cars.
• Consider driving style, frequency and time length, and location (hilly regions, metro cities, rural areas, etc.) when buying new tyres for cars.

Do you know that comprehensive vehicle insurance covers the cost of replacing tyres and tubes in case of an accident, and an add-on tyre protection can cover tyre repair or replacement expenses even if there is no accident?

Conclusion

These are crucial factors to consider when choosing the right tyres for a car. Refer to them and make an informed decision because quality tyres ensure a firm grip on the road, the vehicle’s long life, and a smooth driving experience. You can also consider car insurance to cover tyre damage expenses.

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

Bumper-to-bumper insurance, an enhanced form of comprehensive motor insurance with a zero depreciation add-on, offers extensive coverage for vehicle repairs without factoring in depreciation. This insurance guarantees a higher claim amount by not deducting depreciation from the replaced or repaired vehicle parts. Understanding the features of bumper-to-bumper insurance is crucial for comprehensive protection against repair costs, especially in the context of zero depreciation cover.

What Is Bumper-To-Bumper Insurance?

Bumper-to-bumper insurance, often called zero depreciation or nil depreciation insurance, is a comprehensive motor insurance policy designed to provide enhanced coverage for vehicle damages. Unlike standard car insurance policies that consider depreciation while settling claims, bumper-to-bumper insurance ensures that the insurer does not deduct depreciation from the value of replaced or repaired vehicle parts. It means that policyholders can claim more damages, receiving coverage for the full cost without accounting for depreciation. It is particularly beneficial for new or luxury vehicles, offering a new-for-old replacement for damaged components and providing policyholders with more significant financial protection against repair expenses. Overall, bumper-to-bumper insurance is a valuable option for those seeking comprehensive coverage without the impact of depreciation.

Key Features

Here are the key features of bumper-to-bumper insurance, including:

• Zero Depreciation Coverage

Claims are settled without factoring in depreciation, providing a higher claim amount for repairs or replacements.

• Comprehensive Protection

Extensive coverage for various damages, including those caused by accidents, collisions, natural disasters and theft.

• Higher Claim Amounts

The absence of depreciation deduction results in more substantial claim amounts, reducing the out-of-pocket expenses for policyholders.

• New for Old Replacement

In case of severe damage, the insurance may offer a new replacement for the damaged parts, contributing to better value retention.

• Peace of Mind

Policyholders enjoy peace of mind knowing that their insurance covers a wide range of repairs without the impact of depreciation.

Conclusion

With its zero depreciation feature, bumper-to-bumper insurance is a comprehensive solution for vehicle owners seeking maximum coverage. The assurance of higher claim amounts and reduced financial burden during repairs make it a valuable addition to standard comprehensive car insurance. This coverage mainly benefits those aiming to maintain their vehicle’s value and minimise post-repair expenditures.

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.

Navigating flooded roads can be daunting and potentially dangerous for drivers. Numerous accidents happen when individuals don’t know how to drive through floods. If you figure out how to drive safely, you can pass securely through these rugged roads and protect your vehicle from injury.

Driving Tips for Flood 

When driving in flooded areas, knowing how to stay safe and protect your car is essential. Here are simple car care tips to help you drive through floods safely.

1. Assess the Water Depth: Before driving into a flooded area, gauge the water depth. If the water level reaches above the bottom of your car doors or is flowing swiftly, finding an alternative route is safer. Attempting to cross deep or fast-moving water can lead to losing control or even water entering the engine.
2. Maintain a Steady Speed: If you drive through shallow water, maintain a slow speed. Steer clear of abrupt accelerations or sudden braking, as these actions may lead to water splashing into the engine bay or unsettling the balance of your vehicle. Driving at a consistent speed helps create a small bow wave in front of the vehicle, minimizing water entry.
3. Keep the Engine Revs Consistent: When driving through flooded areas, it’s essential to maintain steady engine revs. High revs might let water enter the exhaust or intake, which could harm the engine. Engage a lower gear to sustain a consistent yet gradual momentum without placing excessive strain on the engine.
4. Know When to Stop: If you notice the water getting deeper or if the engine begins to sound different or lose power, stop immediately. Persisting in driving under these conditions may result in substantial damage. If you suspect water has infiltrated the engine through the intake or exhaust, turn off the car immediately to prevent additional harm.
5. Post-Flood Care: After successfully navigating through flooded areas, inspecting your vehicle thoroughly is vital. Check for any signs of water entry into the engine, transmission, or other critical components. If you suspect water has infiltrated any part of your vehicle, seek professional assistance promptly.

Conclusion

Driving through flooded areas requires caution, preparation and a keen understanding of how to protect your vehicle from potential damage. Following these tips ensures your safety and safeguards your vehicle against the detrimental effects of driving through floods.

Comprehensive car insurance is a wise step to mitigate the financial impact of damage caused by driving through flooded areas. Ensure you examine your car insurance policy to grasp the scope of protection it provides in such 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.  

Imagine driving on a quiet road, miles away from civilization, only to have your car break down unexpectedly. This scenario is where roadside assistance cover comes into play. It’s an often-overlooked yet invaluable addition to car insurance policies that can be a game-changer when facing unforeseen vehicle issues.

What is Roadside Assistance and its Advantages

Roadside assistance is a supplemental service included in comprehensive car insurance policies. It acts as a safety net when your vehicle encounters problems on the road, offering services like towing, battery jump-starts, flat tire changes, fuel delivery and even locksmith assistance. These services provide peace of mind and convenience during stressful situations.

The advantages of having roadside assistance coverage are numerous:

• 24/7 Support: Breakdowns don’t adhere to a schedule. Roadside breakdown assistance ensures help is available round the clock, regardless of where or when you experience trouble.
• Emergency Services: Whether it’s a dead battery, a punctured tire or running out of fuel, roadside assistance promptly dispatches help to get you back on the road swiftly.
• Towing Facility: If your vehicle can’t be fixed on-site, towing services transport your car to the nearest mechanic or service centre, saving you the hassle of finding a towing service independently.
• Peace of Mind: Knowing that help is just a call away provides security and reassurance while driving, especially during long journeys or unfamiliar areas.

Is Roadside Assistance Cover Right For You?

Determining whether roadside assistance cover suits you hinges on various factors. Your driving habits play a crucial role—frequent travellers or those navigating remote areas might find this cover indispensable due to increased vulnerability to breakdowns without immediate access to help. Additionally, the age of your vehicle matters; older cars are more prone to mechanical issues, making roadside assistance a prudent safeguard.

Assess your existing coverage, too—some warranties or memberships may provide a similar roadside car breakdown service. Evaluate the cost versus the potential benefits; while it incurs an additional premium, the peace of mind and convenience during unexpected breakdowns may outweigh the expense. Ultimately, the relevance of roadside assistance coverage depends on your specific needs and circumstances.

Conclusion

Roadside assistance cover can be a lifesaver during car breakdowns, offering prompt support and alleviating the stress of unexpected roadside troubles. Its importance for you is contingent on several factors, including your driving patterns, the age of your vehicle and the coverage options you presently possess. By considering the practicality of roadside assistance cover, you pave the way for a smoother, more secure driving experience.

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

In India, a minimum of third-party car insurance is a mandatory requirement. A comprehensive car insurance shields against damage in any event of unforeseen natural calamity, accident, or theft. In addition to protecting the car, it offers personal accident protection to our lives. Hefty car insurance premiums and the associated costs of buying a new car dissuade people from buying one. Here are some ways to lower car insurance premiums.

5 Ways to Help Lower Car Insurance Premiums

The type and model of our car, how we drive, our age, and where we live all affect how much our car insurance will cost. The premium can range anywhere from INR 5000 to INR 25000, depending on the above factors. We can lower car insurance premiums by taking care of the below-mentioned cents of advice:

• Evaluate the policies offered by various car insurance ICICI Lombard’s “Pay As You Drive” scheme is one of the options to significantly lower car insurance premiums. The less we drive, the lower we pay. The less we are on the road, the safer our car is. The company's mileage thresholds affect their premiums.
• When driving a vehicle, exercise caution. Our driving behaviour directly impacts our car insurance premiums. Opting for a defensive driving course helps instill good driving habits and makes us mindful of road safety.
• Choose the car based on our needs. The premium increases with the cost of the vehicle. Consider downsizing it to save on car insurance premiums.
• Increase the deductibles in the car insurance Deductibles are the amounts we have to pay while filing an insurance claim. The insurance company covers the remaining amount. Paying a deductible makes the driver more responsible for his car. The premium decreases as the amount of the deductible increases.
• Secure the vehicle with anti-theft devices. It helps lower our car insurance premium as the car becomes less susceptible to theft. The insurance company often offers discounts when we renew our insurance policy. Even in the case of a theft claim, it proves that we have taken sufficient measures to secure our car.

Conclusion

The Motor Vehicles Act of 2019 makes it legally mandatory to have car insurance. Apart from the above ways to lower car insurance premiums, make sure that we take advantage of the No-claim bonus (NCB). The NCB is a benefit our insurance provider offers us for maintaining our vehicle well. The reward may come in the form of discounts while we apply for a renewal of our car insurance premium.

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 taking care of our vehicle one important aspect to consider is selecting the right oil. We will come across two options; engine oil and hydraulic oil. Although they may appear similar at a glance, they serve different purposes in our vehicle. In this article, we will explore the disparities between hydraulic oil and engine oil, emphasising the significance of using the better one for optimal performance and durability of our car.

Engine Oil vs Hydraulic Oil

• Primary Function

Hydraulic oil is primarily utilised in systems to transmit power and regulate components like brakes and steering systems.

On the other hand, engine oil is specifically designed to lubricate parts of the vehicle's engine, reducing friction and managing heat.

• Additives and Properties

Hydraulic oil contains anti-wear additives that shield hydraulic components operating under high pressure.

Engine oil contains a blend of additives and detergents that cleanse, safeguard, and maintain the engine's functioning. These additives help prevent deposits, minimise damage, and extend the life span of the engine.

• Compatibility

Hydraulic oil is formulated exclusively for use in hydraulic systems; it should never be used as a substitute for engine oil.

Engine oil has formulations tailored for gasoline or diesel engines. Therefore, using the suitable type is crucial for maintaining proper engine health.

• Pressure Handling

Hydraulic systems operate under pressure and hydraulic oil is specifically designed to handle and transmit this pressure effectively.

On the other hand, engine oil operates under low-pressure conditions with its main focus on lubrication and cooling.

• Temperature Range

Hydraulic systems can function in a wide range of temperatures and hydraulic oil is formulated to maintain its viscosity and performance in these varying conditions.

Engine oil however needs to maintain viscosity at temperatures since it plays a crucial role in providing adequate lubrication during cold starts as well as high-temperature operating conditions.

• Colour and Appearance

Hydraulic oils have a pale colour, with a thinner consistency that makes them suitable for use in hydraulic systems.

Engine oils can have different colours but are typically amber to dark brown. They also tend to have a thicker consistency compared to hydraulic oil.

• Maintenance Requirements

For hydraulic systems, regular monitoring and maintenance are steps to ensure proper functioning and prevent any potential leaks.

On the other hand, regular oil changes are essential for maintaining engine health and preventing wear and tear on engine components.

Conclusion

It is crucial to use the right type of oil for optimal vehicle performance and also for ensuring the longevity of our vehicle. Substituting one type of oil with another can lead to damage and expensive repairs. Furthermore, it's essential to mention that disregarding upkeep, which includes using the right oil, can have consequences on our car insurance protection. Car Insurance policies require vehicles to be sufficiently maintained to guarantee coverage in case of accidents or any other unforeseen incidents.

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

Hello, fellow drivers! Have you ever taken a moment to glance at your new tyres for car and found yourself puzzled by the myriad of numbers and letters stamped on them? Fret not! Today, we're here to unravel the mystery behind those cryptic car tyre numbers.

Delving into these codes can be a game-changer when it comes to selecting the perfect rubber for your ride. So, fasten your seatbelts as we embark on a journey through the intriguing realm of tyre numbers and alphabets.

What Do the Numbers and Alphabets on Your Car Mean?

Width (215)

Let's kick things off with the number 215. This figure signifies the maximum width of your tyre, essentially acting as its waist size, measured in millimetres.

Aspect Ratio (65)

Now, shift your attention to the number 65. This represents the aspect ratio, indicating the tyre's profile height as a percentage of its width. A lower number results in a sleek, sporty look, while a higher one imparts a sturdier appearance.

Construction Type ('R')

The letter 'R' denotes the construction type, specifically radial in this case. Radial tyres, the most common type, provide a smoother ride and improved fuel efficiency.

Wheel Diameter (15)

Moving on to the number 15, this indicates the wheel diameter in inches. Ensuring a proper match between tyre and wheel diameter is crucial for optimal performance and safety.

Application Type ('P')

The letter 'P' is akin to the tyre announcing, "I'm designed for passenger vehicles." Various letters might indicate different applications, such as 'LT' for light trucks or 'T' for temporary spares.

Load Index (95)

The number 95 represents the load index, showcasing the maximum load capacity of the tyre. Selecting a tyre with an appropriate load index is vital to meet or exceed your vehicle's requirements.

Speed Rating ('H')

Moving on to the letter 'H,' which signifies the speed rating. This letter denotes the maximum speed the tyre can sustain. An 'H' rating is typically more than sufficient for everyday driving.

Directional Indicators

If you spot directional arrows on car tyre numbers, take note; it indicates a unidirectional tyre. Properly installing these tyres in a specific forward direction is crucial for optimal performance and safety.

In essence, your tyres for car communicate through a kind of secret language. Once you decipher the code, you'll find yourself making informed decisions when switching them out.

Conclusion

There you have it! The next time you seek new tyres for car, this knowledge will help you interpret car tyre numbers. Understanding these numbers and letters not only elevates your driving experience but also ensures your safety on the road. So, embrace the tyre code, hit the road with confidence, and, above all, drive safely! Remember, comprehensive car insurance is essential to safeguard you and your vehicle against unforeseen events, ensuring a worry-free journey.

Remember, a well-informed driver is a happy driver. Safe travels, everyone!

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. 

Updated on 18 Feb 2026

The past decade has witnessed an exponential enhancement in technology and its utilization for improving travel. Although the major causes of accidents are human error and technical failure, the chances of all the safety features failing at once, along with human negligence, are one in a million. Here are some safety measures that should be implemented in every vehicle to reduce the severity of damage in an accident.

Anti-lock Brake Systems

The anti-lock brake systems (ABS) are automatically activated in case of repeated panic-driven braking. Thus, along with providing greater steering control, it brings the vehicle to a gradual stop.

Usually, cars are equipped with four-wheel anti-lock brake systems. However, one may opt for two-wheel systems that only regulate the rear wheels. ABS also comes with brake assist that understands your need to brake by sensing the frequency of brake patterns and increasing the stopping distance in gravel or snow.

Additional Seat Belts

Seat belts have been revolutionary among the many safety devices invented for damage control. In addition to the basic seat belt, invest in an adjustable upper belt and a seat belt pretensioner to ensure a snug fit and an extensible grip function to avoid whiplash during an accident.

Airbags

Airbags are the second most significant invention after seat belts in the automation industry. Designed to quickly inflate and deflate during a crash, airbags now come in numerous variations. For instance, apart from the airbags in the front, side airbags are available to provide protection during side collisions.

Electronic Stability Control

Used under different names by various brands, Electronic Stability Control (ESC)is a smart feature that makes sure the car does not spin out of control. ESC steps in and controls the engine output as required during extreme steering manoeuvres.

Extra Fog Lights

Extra fog lights operate even when the main headlights fail. These are essentially useful in case the battery dies and there is an absence of an alternate power source. In some cases, it also applies the braking system on one of the wheels to reduce the acceleration, resulting in a reduced speed with which the car hits an object and consequently avoids going off the road.

Apart from safety accessories, tire pressure monitoring, remote locking, and added bumpers, safeguarding your vehicle with motor insurance is worth the investment in the long run. It will ensure a hassle-free driving experience without compromising on your safety. Also, don't forget to secure yourself and your savings with  Car Insurance.

Importance of car safety accessories

Car safety accessories are vital for ensuring both personal safety and vehicle protection. While car insurance offers financial relief post-incident, it does not prevent accidents from occurring. Here's how safety accessories play a critical role in everyday driving:

• Proactive accident prevention

Accessories like parking sensors, reverse cameras and blind spot mirrors help drivers avoid common mishaps such as fender benders, lane-change collisions and parking scrapes. These tools offer better spatial awareness, especially in crowded or poorly lit areas.

• Real-time driving accountability

Dashcams record on-road incidents and encourage more responsible driving. They serve as unbiased witnesses in disputes or insurance claims and deter fraudulent accident scams or blame games.

• Emergency readiness

In the unfortunate event of an accident, accessories such as seat belt cutters, glass breakers and first aid kits can be life-saving. They help drivers and passengers respond quickly, escape safely and manage minor injuries until help arrives.

• Tyre and brake safety

Tools like the Tyre Pressure Monitoring System (TPMS) warn of underinflated or overinflated tires, preventing sudden blowouts. Anti-skid mats enhance control, particularly during abrupt braking or wet conditions.

• Improved visibility and communication

Accessories such as fog lamps, rear fog lights and reflective triangles are crucial in low-visibility conditions. They ensure you can see and be seen by other vehicles, reducing the risk of multi-vehicle accidents.

• Preparedness for all conditions

Having a set of essential tools, like a torch, fire extinguisher and multi-tool kits, can make a significant difference during night drives, breakdowns or mechanical emergencies.

• Enhancing insurance efficiency

While a third-party car insurance policy covers legal and financial liabilities, safety accessories complement it by offering tangible, real-time protection. In many cases, having recorded footage or proof of preparedness can simplify car insurance policy claims.

Conclusion

Driving responsibly is all about being proactive and prepared. Safety accessories play a vital role in overall maintenance and protection of the vehicle, guard your peace and complement your car insurance policy. And while third party car insurance covers you against legal liabilities, your preparedness on the road adds an essential layer of real-world protection.

So, before you hit the road again, take a few minutes to check if your car is truly equipped, not just to drive, but to protect.

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

Car insurance plays a vital role in financially safeguarding drivers against accidents or vehicle theft. However, it's important to note that not all situations are covered by our car insurance policy. This article will explore ten scenarios that may not fall under car insurance coverage, shedding light on what comprehensive car insurance does not include. By understanding these exceptions, we can better prepare for challenges and ensure that we have the necessary protection for our specific driving circumstances.

What does Car Insurance not cover?

Here are some of the car insurance exclusions`:

• Intentional Damage

Car insurance typically does not cover damages intentionally caused by the policyholder. This includes situations such as crashing the vehicle out of anger or frustration.

• Racing and Speed Contests

Accidents occurring during participation in racing or speed contests are generally excluded from coverage.

• Driving Under the Influence

Driving under the influence of alcohol or drugs is not only against the law but also violates most car insurance policies. If we're involved in an accident while impaired, our insurance might not cover damages to our vehicle or any third-party liabilities.

• Uninsured Drivers

It's worth noting that not all drivers on the road carry insurance. In situations where an uninsured driver causes an accident, our coverage may not fully compensate for our losses.

• Non-listed or Unauthorised Drivers

If someone who is not listed on our policy or without our permission drives our car and an accident occurs there might be limitations in coverage.

• Normal Wear and Mechanical Failures

Car insurance generally doesn't cover the wear and tear of our vehicle or mechanical failures.

• Commercial Use of Personal Vehicle

If we use our vehicle for business purposes without coverage, any accidents related to those activities may not be covered.

• Acts of Nature

Comprehensive car insurance typically provides coverage for accidents, thefts, or vandalism. However, it often excludes damage caused by disasters, like floods, earthquakes and hurricanes. To safeguard against these events, we may need to obtain another coverage.

• Customisations and High-Value Accessories

Aftermarket customisations or valuable accessories added to our car may not be fully covered unless we purchase additional coverage options.

• Unapproved Vehicle Modifications

Modifying our vehicle in ways that are not approved by our insurance company could lead to denied claims. It is important to let our insurer know about any changes to our vehicle so that we can ensure continued coverage.

Conclusion

It is crucial to understand the exclusions and limitations of our car insurance policy to make informed decisions about our coverage. If some concerns or requirements are not addressed by our policy it would be wise to discuss them with our insurance provider and explore car insurance add-ons that can fill any gaps in protection. We should always carefully review the policy documents and maintain communication with the insurance provider for a comprehensive understanding of the coverage we have.

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.

Just imagine the maintenance of a vehicle, and the first thing that comes to mind is a car oil change. We all know that for proper car maintenance, we should avoid low quality oil. Out of the many types of oil, which you find in the market these days, choose one that suits your car the best. If your car uses conventional engine oil, then you have to change it regularly because this type of oil has low resistance to heat as well as oxidation.

Why is Engine Oil Important?

One of the primary reasons is, your car insurance won't cover the damages if your car breaks down due to a lack of engine oil. There are many more reasons why engine oil is so essential, which are discussed below :-

• It is very important to use a good quality of oil in our vehicle’s engine. Using low-quality oil reduces the performance of the vehicle.
• The use of clean oil prevents the building of sludge, which may clog the small passages in the engine. Without a huge oil flow, your consumption of fuel increases in the vehicle.
• Inside the engine, detonation control heater up to 315°C. Radiators are not cooling these types of parts. They quickly become weak without sufficient oil.
• Parts of your vehicle are going to have a long and effective lifespan, if you use good quality engine oil

How to Choose the Right Engine Oil?

Vehicle engine oil comes in various varieties. You must choose the right one to boost vehicle performance. There are some tips which can help you choose the perfect engine oil for your vehicle:-

• If you use regular engine oil, you must change it regularly because it is a low-quality oil that deteriorates the performance of your vehicle.
• The resistance to heat and oxidation is high in fully synthetic oils, which can last up to 2 times between the oil changes. The anti-friction properties of fully synthetic engine oil enhances fuel economy and the vehicle’slife.
• You can also trust the bigger brands and let their service centres do the car maintenance for you.

Conclusion

We can say that it is crucial to choose the right as well as good quality car engine oil. Choosing the correct engine oil for your vehicle not only extends its lifespan but also provides a smooth driving experience. The right choice for your engine oil can upgrade the performance of the vehicle and makes your vehicle cost-efficient in the long-run.

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 ensuring road safety and maintaining your vehicle, it's crucial to have an understanding of the specifications related to your car’s components. One important aspect that many drivers tend to overlook is the Tyre Load Index. This index, also known as the load capacity index, tyre load rating or tyre hire load index, plays a vital role in ensuring that your vehicle is safe and performs well on the road. Let’s explore what is Tyre Load Index, its importance and how it relates to factors such as car insurance.

Meaning of Tyre Load Index

The Tyre Load Index is a numeric code on the sidewall of your car's tyres. This code represents the weight a tyre can handle under optimal conditions. It's important to note that this load index is not universal; it varies depending on factors like the type and model of your vehicle. 

The load index consists of either two or three digits, with each specific number corresponding to a particular load capacity. To interpret these numbers, you can refer to a load index chart available online or provided by the tyre manufacturer. 

This information holds significance for various reasons:

• It is crucial to adhere to the recommended load rating to ensure tyre performance, promote safety, longevity, and overall functionality. 
• Going beyond this rating by overloading the tyre can result in increased wear and tear, compromised handling, and a higher risk of accidents.
• Insurance companies consider the Tyre Load Index a significant factor when evaluating risks. Therefore, maintaining the load index not only demonstrates responsible ownership but can also potentially lower car insurance premiums by minimising the chances of accidents.

Conclusion 

Understanding what is Tyre Load Index is essential for both vehicle safety and performance. Knowing your tyre’s load capacity not only provides a smooth driving experience but also influences your car insurance premiums. Being a responsible vehicle owner involves regularly checking tyre conditions, adhering to manufacturer recommendations and load indexes, and ensuring compliance with them. By doing so, you enhance road safety and contribute to a favourable insurance profile that could reduce your overall car insurance 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.  

As the automotive industry progresses towards eco-friendly and cost-effective fuelling solutions, Compressed Natural Gas (CNG) has emerged as a noteworthy alternative that offers various environmental benefits. Understanding the advantages of CNG cars is crucial for those looking for environmentally friendly transportation options and want to make decisions about their vehicle choices. From reduced emissions to cost savings, exploring CNG car benefits provides insights into how they can contribute positively to creating a greener and more sustainable future.

What are the Advantages of CNG cars?

• Green Fuel

CNG, also known as ‘Green Fuel’, stands out because of its friendly composition, resulting in fewer harmful emissions during combustion. This makes CNG cars a choice for people prioritising cleaner air and sustainability.

• Safety Features

The safety features of CNG include its nature and high auto-ignition temperature, minimising risks. In case of a leak, it disperses rapidly, reducing the chances of explosions and enhancing the safety profile of CNG as a fuel option.

• Low Operation Cost

One significant advantage of using CNG cars is their low running cost. CNG affordability, in comparison to other fuels, ensures that transportation remains cost-effective, providing savings for vehicle owners.

• Dual Facility

One of the CNG car benefits is its dual fuel system, which allows for switching between CNG and petrol. This flexibility proves to be convenient in areas with CNG refuelling options, ensuring uninterrupted journeys.

• Increased Life of Oils

The clean-burning nature of CNG contributes to the life of engine oils. With fewer impurities generated during combustion, CNG engines experience lower wear and tear, potentially reducing maintenance costs and a longer lifespan.

• Car insurance

When considering car insurance, the positive perception of CNG cars can influence premiums. The eco-friendly and cost-effective nature of CNG vehicles may reduce insurance costs, enhancing the appeal of this sustainable and economical choice.

Conclusion 

The environment-friendly properties, combined with safety features and low operational costs, make CNG an appealing choice for drivers.

When delving into the realm of CNG vehicles, it is important to consider the impact on car insurance. In the case of CNG cars, not only do they offer you lower insurance premiums but also an affordable way for day-to-day commutes.

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 selecting a vehicle, one of the main decisions is whether to go for a car that runs on petrol or diesel. Petrol cars have been a sight on the roads for years, and they continue to be popular for several compelling reasons. The advantages of petrol cars encompass various factors, including performance, availability, and environmental considerations. Let’s explore these advantages in detail and shed light on why many drivers worldwide prefer petrol cars. Whether it’s the efficiency of combustion engines or the widespread accessibility of petrol, these vehicles have managed to carve out a place for themselves in the changing world of automobiles.

What are the Advantages of Petrol Cars?

• Fuel Efficiency

Petrol engines are renowned for their ability to provide more kilometres per litre compared to their diesel counterparts. This efficiency not only leads to cost savings at the fuel station but also contributes towards reducing our carbon footprint, making petrol cars a conscious choice.

• Smooth Performance

The combustion process in petrol engines is generally quieter and smoother than in diesel engines, resulting in an enjoyable driving experience. Additionally, the responsiveness of petrol engines contributes towards better acceleration, making them particularly suitable for various driving conditions.

• Lower Initial Costs

The affordability of petrol-powered cars, along with government incentives, makes them an appealing choice for drivers on a budget. Additionally, petrol engines tend to be lighter than diesel engines, which contributes to vehicle weight and, consequently, better fuel efficiency.

• Easier Maintenance

Petrol engines generally require less maintenance compared to diesel engines. They typically have simpler components and fewer emission control devices, making servicing and repairs more straightforward and cost-effective. This ease of maintenance can lower long-term ownership costs for owners of petrol-powered cars.

• Environmental Considerations

While diesel engines have made progress in reducing emissions, petrol engines still hold an advantage in terms of nitrogen oxide (NOx) emissions. Petrol cars are often seen as a more environment-friendly option in regions with strict emission standards.

Conclusion

Opting for a petrol car can potentially result not only in savings at the fuel pump and reduced maintenance expenses but also influence how insurance companies assess risk. The reputation of petrol cars for efficiency and lower environmental impact aligns with safety practices and responsibility, which may positively affect your car insurance premiums.

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

In the realm of vehicle upkeep and safety, having a grasp of the Tyre Load Index holds importance. One helpful resource that assists in deciphering it and its impact on your vehicle is the Tyre Load Index Chart. Typically, this chart presents a range of load index values along with their load capacities. It acts as a reference for individuals who want to determine the weight their tyres can safely handle while keeping their vehicle within safe limits.

Chart for Tyre Load Index

To understand the Tyre Load Index Chart, locate the load index value imprinted on your tyre’s sidewall and consult the chart to find its load capacity.

Here is the Tyre load Index Chart:

Moreover, it’s worth noting that the Tyre Load Index Chart goes beyond being a maintenance tool — it has implications that can even affect aspects like car insurance. By adhering to recommended load index values, you demonstrate a commitment to safety and proper tyre maintenance. This can influence how insurance companies perceive risk, potentially leading to low premiums.

Hence, this chart doesn’t only provide you with information about the tyres of your car but also saves you some hard-earned money if you follow the recommended tyre load.

Conclusion 

The Tyre Load Index Chart is an asset for vehicle owners. It simplifies understanding load index values, encourages adherence to weight capacities and ultimately contributes to creating a safer driving experience. Taking the time to refer to the Tyre Load Index Chart on a regular basis is a measure that helps guarantee the optimal and safe performance of your vehicle on the road. Whether you own a sedan, an SUV, or a large truck, this chart offers information that allows you to easily locate the appropriate load index values for your particular vehicle model.

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.  

Despite shifting towards petrol engines due to stringent emission norms, diesel cars maintain a significant market share in India. While diesel engines offer robust performance, they sometimes require a delicate touch and demand specific care to ensure longevity and efficiency. Proper maintenance enhances performance and contributes to the long-term durability of diesel engine cars. Let’s explore some essential tips for diesel car maintenance, providing guidelines to keep these vehicles running smoothly.

How To Care For Your Diesel Engine Car

Here are some caring tips for diesel cars:

• Avoid Driving With Low Fuel Levels

Diesel serves as a lubricant for crucial engine components. Low fuel levels may lead to air being pumped into the combustion chamber, causing friction and potential damage. Adequate fuel levels prevent damage to the engine's internal parts and maintain optimal functioning.

• Avoid Revving The Engine When It's Cold

After starting the engine, allow time for it to warm up before revving. Cold revving can damage the engine, as thick oil and low lubrication increase the risk of premature wear on critical components. Allowing the powertrain to warm up enhances longevity and ensures better performance.

• Avoid Driving In High Gear With Low RPM

Driving at low RPM (lugging) strains both the engine and transmission. Adhering to the recommended RPM ranges ensures optimal driving performance and extends the vehicle's lifespan. Downshifting or upshifting as needed helps maintain seamless driving performance.

• Always Clean The Diesel Particulate Filter (DPF)

DPF captures harmful emissions, minimising their release into the atmosphere. Regular servicing and cleaning are crucial to prevent clogging and maintain power, performance, and efficiency. Periodic inspection and cleaning of the DPF contribute to the optimal condition of the diesel car.

• Pay Attention To The Exhaust Smoke

Different smoke colours indicate various issues with the powertrain. Regularly inspect exhaust smoke; black smoke may suggest excessive fuel consumption, while white or blue smoke indicates coolant or oil-related problems. Addressing smoke-related issues contributes to the overall health and efficiency of the diesel engine.

Conclusion

Proper maintenance is imperative for the optimal performance and longevity of diesel cars. The tips from this blog offer essential guidelines for diesel car owners. By following these recommendations, drivers can ensure their diesel vehicles remain in top shape, delivering reliable performance and longevity. Additionally, comprehensive car insurance adds an extra layer of protection, safeguarding the driver and the vehicle in various situations. It's essential to embrace these tips and make the most of the robust diesel powerhouses designed for the long run.

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.  

Cars are more than just practical means of mobility for most owners; they also carry emotional and financial attachments to their vehicles. This is why most people have no problem choosing the best coverage for their highly-valued cars and going above and beyond to protect them. However, most people need to know how car insurance premiums are determined. People frequently become puzzled when they notice a yearly increase in their car insurance prices.

5 Factors That Influence Your Car Insurance Premium

Alt: Factors Shaping Your Car Insurance Premium: An Insight into 5 Key Influencers

Several factors are considered while determining the car’s insurance premium cost. The following factors affect the cost of your car insurance premium:

1. History of Your Claims

 If you filed a claim on your car insurance during the previous policy year, the insurance company will evaluate a higher risk probability. Consequently, your increase in car insurance premiums.

2. Location

Where you live has a big impact on how much insurance costs. Your premium will increase if your insurance provider learns that you reside in a home where theft or accidents happen regularly since there is a greater likelihood that your car will be damaged.

3. Modifications to Your Vehicle

You’ll undoubtedly want to add extras to your car to improve its looks and functionality as it ages. Therefore, your premium will likely go up if you have made any modifications to your automobile that enhance its functionality or attractiveness.

4. Changes in the Workplace

If you drive to work every day, you should know that prolonged driving increases the possibility of collisions for drivers and their cars. If you move to a new job that needs you to travel farther, you should prepare for an increase in your car insurance premium.

5. Changing a Driver in the Vehicle’s Insurance

Your premiums could vary due to the expense of adding a new driver to your policy. Some parents may be surprised to learn that adding a new policyholder—especially if they are a teenager—will result in higher monthly premiums.

Conclusion

You should be able to make wiser choices from now on if you know the factors contributing to a higher car insurance premium. Getting auto insurance is a smart move because, even with rising premiums, it shields you from unforeseen, high expenses. A minimum amount of third-party car insurance is also sufficient if your vehicle is old or you only drive it sometimes.

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.