CPA (Compulsory Personal Accident) coverage in India is mandatory for all motor insurance policies, including third-party and comprehensive insurance. This ensures that you drive following the rules and regulations. This coverage provides insurance against death or disability resulting from an accident, with personal accident coverage. The policy payout percentage varies based on the type of injury sustained. Personal accident coverage can protect individuals from costly medical bills and vehicle repairs.

What is CPA Cover in Car Insurance?

If you purchase a comprehensive car insurance policy, your vehicle gets protection from various risk factors, including third-party liability. The CPA cover in car insurance is mandatory for comprehensive policies as well as for new vehicles purchased after September 1, 2018. It is important to note that you must pay the premium for CPA for the first three years. The comprehensive insurance policy provides protection from theft, vandalism, and natural disasters. Add-on covers can be purchased as needed. You can customise your policy to meet your individual needs.

Things Covered Under CPA Cover in Car Insurance

The CPA cover provides compensation in the following scenarios:

• Accidental Death: In the unfortunate event of the owner-driver's death due to a car accident, the nominee receives 100% of the sum insured.
• Permanent Total Disability: If the owner-driver suffers a permanent total disability, the compensation is as follows:
  • Loss of two limbs or sight of two eyes: 100% of the sum insured.
  • Loss of one limb or sight of one eye: 50% of the sum insured.
  • Permanent total disablement from injuries other than those named above: 100% of the sum insured.

Situations When the CPA Cover Does Not Apply

The CPA cover has specific exclusions, including:

• Intentional Self-Harm or Suicide: No compensation is provided if the injury or death results from intentional self-harm or suicide.
• Driving Under the Influence: Accidents occurring while the owner-driver is under the influence of alcohol or drugs are not covered.
• Outside Geographical Limits: Incidents occurring outside the geographical area specified in the policy are excluded from coverage.

Is Personal Accident Cover a Mandatory Requirement?

Yes. All insurance companies are required to offer CPA to all policyholders. Both third-party and comprehensive policyholders must have at least Rs 15 lakh of coverage. You can pay a higher premium to enhance your scope of coverage. Many insurance companies provide various options to meet your specific needs.  

Benefits of a Compulsory Personal Accident Policy Cover

• The process of purchasing personal accident insuranceis straightforward, with minimal documentation and no medical tests required.
• Accident insurance is essential in preparing for unexpected situations resulting in disability.
• Accident coverage compensates the policyholder's family, enabling them to maintain their lifestyle and pay off liabilities after the insured person's demise. Knowing that your family will be financially secure even in your absence provides peace of mind.
• Personal accident policies offer worldwide coverage with no geographical limitations to compensation. Claim processes are simple, and ambulance expenses are usually covered.

How to Claim CPA Cover in Car Insurance?

To claim the CPA cover, follow these steps:

1. Immediate Intimation: Inform your insurance company about the accident and the losses incurred as soon as possible.
2. Documentation: Obtain a First Information Report (FIR) from the police and a Final Report (FR). Collect medical records, hospital bills, and any other relevant documents.
3. Claim Form: Fill out the claim form provided by the insurer accurately, attaching all necessary documents and photographs of the accident scene.
4. Submission: Submit the completed claim form and documents to the insurance company for verification.

In case of the owner-driver's death, the nominee should initiate the claim process. Upon successful verification, the insurer will disburse the compensation as per the policy terms.

Conclusion

The Compulsory Personal Accident (CPA) cover is an indispensable component of car insurance, offering crucial financial protection to owner-drivers against the uncertainties of road travel. Before purchasing a car insurance policy, reviewing and understanding its terms and conditions, inclusions, and exclusions is crucial. Policyholders can ensure appropriate coverage to protect themselves and their families by doing so. You can buy 4-wheeler insurance online from the website of the insurer or an aggregator.

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

Vehicle purchase document

The first document you need to collect is the original invoice of the vehicle. Check for the owner's name, chassis number, engine number and other essential details. It will help you confirm the real owner of the car or bike and also help you determine whether the vehicle is being sold for the first time. If the seller is not able to provide it, he/she should give a receipt to serve the purpose.

This add-on eliminates the possibility of out-of-pocket expenses and gives you complete peace of mind as you know you will be compensated fully by the insurer. It is highly recommended for new and premium cars since it helps to decrease the expenditures involving losses.

These add-on covers or motor insurance riders can ensure 360-degree protection of your car against all contingencies

A car is an essential asset, and it must be protected under a reliable insurance plan. Third-party motor insurance, which is mandatory by law, is no longer considered ‘sufficient’ to compensate for the losses arising due to accidents. While a comprehensive car insurance policy covers your car and third party losses too, having add-ons further fortify the coverage.

There are many car insurance add-ons that you can opt for by paying a nominal premium. This article will cover such add-on covers, which you can buy to cover losses due to untoward incidents. Let’s get started.

Engine protection cover

The engine is undoubtedly the heart of any car. Surprisingly, ordinary comprehensive car insurance policies do not offer any coverage for damages to the engine. Thus, adding an engine protection cover becomes crucial to safeguard this vital part of your car from the damages. This insurance cover is beneficial for expensive cars, whose engine repair costs can be very high. It takes care of costs against damages to engine parts, differential parts and gear box parts. A standard car insurance policy doesn’t generally cover these.

Note that there are certain exclusions under this add-on. For instance, if you have made repeated attempts to start the engine when your car is submerged in water, it’s considered a deliberate attempt to damage the engine. In this case, the insurer will reject your claim. Also, if you try driving your car with a damaged bonnet, there are chances of lubricating oils entering the engine. In this scenario too, your insurer can reject your claim.

Zero depreciation cover

A car’s value begins to depreciate once it exits the showroom. Over the years, it comes down significantly. In case of any insurance claim, the insurer would compensate you after factoring in the depreciated amount. However, things are different with a zero depreciation cover. It helps to protect your car against all kinds of physical damages without taking into consideration the depreciation factor.

This add-on eliminates the possibility of out-of-pocket expenses and gives you complete peace of mind as you know you will be compensated fully by the insurer. It is highly recommended for new and premium cars since it helps to decrease the expenditures involving losses.

Hybrid is the latest buzzword in the automobile industry. Automobile engineers all around the world are actively working on developing and improving hybrid cars. Despite the high cost, hybrid cars are gradually gaining popularity among car users across the world.

Unlike traditional combustion engine cars, hybrid cars address the crucial and urgent global agenda of environmental preservation. With global warming and increasing environmental pollution, any innovation that reduces or restricts carbon footprint is a welcome step. Hybrid cars make this possible and are sustainable. So, what is a hybrid car? Today, we will discuss all you need to know about hybrid electric cars in India.

What is a hybrid car?

Simply put, hybrid cars run on two sources of power. Confused about what is a hybrid car? Don’t be. Read on.

• Hybrid cars come with one electric motor and one Internal Combustion Engine (ICE) which is the usual fuel-run petrol or diesel engine.
• Hybrid cars can switch between the electric motor and the fuel-run engine or use both engines together as and when needed.
• Since these cars do not run on fuel power only, they come with way better fuel economy.
• The usage of the electric motor along with a fossil fuel-based engine reduces the rate of use of fuels such as petrol and diesel, thus restricting carbon emissions.
• Besides environmental preservation, hybrid cars have an edge in terms of efficiency. Because hybrid cars use both electric and fuel power, they offer higher efficiency.
• When brakes are applied in a hybrid car, excess power is generated which is used to recharge the batteries. Subsequently, there is a higher mileage range in hybrid cars.
• To replenish their batteries, hybrid cars can use the ICE engine as well.

How does a hybrid car work?

The sources of power for hybrid electric cars include—an internal combustion engine and one or more electric motors powered by the energy stored in batteries.

Unlike standard electric vehicles, a hybrid electric car cannot be plugged into a charging point to charge the battery. Instead, the batteries are charged either using the regenerative braking technique and/or by using the internal combustion engine.

Since the car has an extra source of power from the electric motor, these cars work perfectly fine with relatively smaller fuel engines. The battery also aids in auxiliary loads and restricts engine idling when it is stopped. The combined effect of these features and the operational structure of the hybrid cars enhance fuel efficiency without compromising power, performance, and mileage.

Difference between a hybrid and an electric car

While we have discussed the basics of hybrid cars, it is essential to identify how a hybrid electric car is different from an electric car. The main difference to quote in a hybrid car vs electric cars discussion is their source of engine power.

In hybrid cars, there are two types of engines—an internal combustion engine that runs on petrol or diesel, and one or more electric motor(s). Meanwhile, electric vehicles do not use any petrol or diesel. They derive power from a single source—electric motors.

This major difference between hybrid and electric cars leads to a series of differences in their performance, operation, and price. Refer to the table below to understand the differences between hybrid and electric cars:

Old, unfit, and ill-maintained vehicles are one of the prime contributors to environmental pollution. The Vehicle Scrappage Policy was introduced in India to mitigate this problem. The policy nullifies the re-registration of cars that are above 20 years old. For commercial vehicles, the threshold is 15 years as they face extensive and heavy usage compared to personal vehicles. Vehicle Scrappage Policy is a ground-breaking step on the part of the government both in terms of pollution control and vehicle management. Here’s all you need to know about the Vehicle Scrappage Policy and its benefits.

What is the Vehicle Scrappage Policy in India?

An initiative of the Government of India, Vehicle Scrappage Policy focuses on taking old and unfit vehicles off the road and scrapping them. Let us look at it in detail:

• The idea behind the scrappage policy is to gradually develop an ecosystem that phases out vehicles contributing to pollution by exaggerated measures. Most of these are old and unfit vehicles.
• The scrap policy is expected to significantly and effectively reduce the carbon footprint caused by vehicle emissions.
• The vehicle scrappage policy will be brought into force starting 1^stApril 2023 for Heavy Commercial Vehicles (HCVs).
• For other Commercial Vehicles and Private Vehicles, the scrappage policy will be effective from 1^stJune 2024.
• Commercial vehicles and private vehicles that are older than 15 years and 20 years, respectively, will have to undergo a fitness test. If these vehicles do not get clearance under the fitness test, they must be scrapped.

Highlights of the Vehicle Scrappage Policy Announcement

Apart from the pollution control measure, the scrappage policy is also seen as a potential catalyst for the sluggish automobile sector, which witnessed a massive downturn in 2019. Though in 2020, post-Diwali, the sector did witness some improvement, it is far from satisfactory. The vehicle scrappage policy is expected to create demand for new vehicles, as the old and unfit vehicles will be phased out.

The key highlights of the scrappage policy are:

• The primary objective of the policy is to scrap unfit cars and bikes
• All the rules and regulations surrounding the scrappage policy will be outlined by the Ministry of Road Transport and Highways (MoRTH)
• According to the MoRTH, scrapping old vehicles will make the owners eligible for some benefits.
• This policy will help in reducing pollution density. This is subjective to the existing pollution density of a place.
• This administrative policy will pave the demand for safe, technologically updated, and environment-friendly vehicles.

What is the Aim of Vehicle Scrappage Policy 2021?

The vehicle scrapping policy in India was introduced to take old and unfit cars and bikes off the road. The main objective behind the scrappage policy was to come up with an effective and feasible measure to check the high carbon emissions caused by unfit cars. The recent review highlighted some significant additional aspects of the policy. These are:

• Checking pollution by scrapping vehicles that do not pass the fitness test
• Higher safety for passengers, vehicles, and pedestrians
• Employment generation in the automobile industry
• Developing a formal and organised vehicle scrappage sector
• Improving fuel efficiency
• Reducing the cost of maintenance
• Better and higher access to cost-efficient raw materials for industries such as automobile, steel, and electronics

Given below is the timeline of how the policy will be brought into force:

Benefits of the Vehicle Scrappage Policy

Let us see how the vehicle scrappage policy will help the environment, vehicle owners, the automobile industry, and the economy as a whole.

• As mentioned earlier, the scrappage policy will help reduce pollution and contribute to environmental preservation.
• Currently, approximate estimates show that there are 51 lakh light vehicles (both private and commercial) that are more than 20 years old. This is an estimate of only light vehicles. Scrapping old and unfit vehicles will create demand in the automobile industry, as the old ones will now be replaced with new vehicles.
• There will be additional job creation in the automobile sector. New scrappage stations will enhance the employment scope in the industry.
• The nature of demand for vehicles will get augmented for good. There will be a demand for comparatively safer and technologically upgraded vehicles that come with better and superior features.
• This policy will provide a major push to the recycling industry. This will not only make the recycling sector more active but create jobs in this industry as well. In addition, it will also create further improvement in the R&D of waste and recycling management.
• Scrapping old and unfit vehicles may come with significant tax benefits for vehicle owners.
• For parts that are fine and fit, vehicle owners have the scope to get the best possible resale price.

Fitness Tests for Vehicles

Given below are the key details surrounding the fitness test for vehicles based on which it will be decided if the cars are to be scrapped or not:

• The fitness test essentially will consist of a detailed inspection of the vehicle to check the vehicle’s roadworthiness.
• The test will also check how much the vehicle is causing environmental pollution.
• The fitness test of the vehicles has to be carried out at authorised Automated Testing Stations only.
• The validity of this fitness test will be five years, post which the vehicles will have to go through a fitness test again.
• Those vehicles that do not clear the fitness test won’t be able to renew their registration.
• It is quite possible that some of the older vehicles, especially those which have been maintained well, pass the fitness test. While it would be unfair to scrap them, they may start emitting high amounts of carbon soon. As a middle ground, a green cess of 10-15% may be levied on these older vehicles. This green cess will vary from place to place.

Such vehicles that do not pass the fitness test will have two options—either scrap the vehicle or repair it such that the repaired quality passes the fitness test.

Where Should I Get the Vehicle Tested or Scrapped?

To get your vehicle tested or scrapped under the scrapping policy, follow the steps given below:

Step 1: Visit the nearest Automated Testing Station (ATS)

Step 2: Get your vehicle tested

Step 3: If you want to scrap your vehicle, then take your vehicle to an authorised scrapping centre

Or,

If you want to dispose of your vehicle, you will have to wait till ATS facilitate the same. For the disposal of the tested vehicles that could not pass the fitness test, you will have to initiate the process through the VAHAN portal.

Or,

Get your vehicle repaired such that it passes the fitness test.

What are the Incentives for Scrapping Old Vehicles?

On scrapping the old vehicles, you will get the following incentives:

• Get a discount:If you scrap your old unfit vehicle under the scrappage policy of India, you can get a discount of 4% to 6% if and when you purchase a new vehicle. This discount applies to the ex-showroom price of the new vehicle.
• Registration fee waiver:If you scrap your old vehicle, you will get a Certificate of Deposit, which validates and documents the transfer of ownership from you to the Authorised Vehicle Scrapping Facility (AVSF). On producing the Certificate of Deposit, the registration charges for a new vehicle will be waived.
• Road tax concession:Scrapping old vehicles can earn you a road tax concession as high as 25% for non-commercial vehicles and 15% for commercial vehicles.
• Discount on purchase of new vehicle:While buying a new vehicle, on presenting the Certificate of Deposit, you will get an additional discount of 5%. This discount is over and above the scrap discount discussed above. It is given by vehicle manufacturers at the request of the government.

What are the disincentives of owning an old vehicle?

Given below are the major disincentives for owning an old vehicle:

• High fees for the fitness test:If a commercial vehicle is older than 15 years, then the fees for the fitness test and the issuance of a Fitness Certificate will attract higher charges.
• High registration renewal fees: If a private vehicle is older than 15 years, then the registration renewal charges will be higher.
• Green cess: In addition to the road tax, following the policy outlines of the vehicle scrap policy 2021, a green cess of 10-15% will be levied on old vehicles.

Fee for Renewing Vehicle Registration

Given below are the fitness test fee and registration renewal fee structure of an old vehicle under the vehicle scrapping policy of India.

Fitness Test Fee (for vehicles more than 15 years old)

Registration Renewal Fee (for vehicles more than 15 years old)

Under what Conditions is My Car Liable to be Scrapped?

Some fundamental criteria give the scrappage policy a formal outline. These criteria determine which vehicle must be scrapped and which can continue its run. These conditions are:

• Both commercial and private vehicles that are more than 15 years old have to undergo a fitness test for renewal of their registration.
• If the vehicle is found to be unfit, it should either be scrapped or repaired so that it clears the fitness test. The vehicle owner must re-apply for the fitness test.
• If a vehicle fails to clear the fitness test, it will be marked as End-of-Life-Vehicle (ELV) and must be scrapped.

How Does The Policy Impact You As A Two-Wheeler Owner?

Two-wheelers older than  15 years are required to undergo a mandatory fitness test. The examination is done to check the emission levels, structural integrity, and engine performance of the bike. If the two-wheeler fails in the test, it will be considered an End-of-Life Vehicle (ELV) and then must be scrapped.

You will get incentives from the government for scrapping the old bike. The reward includes discounts on the ex-showroom price of a new vehicle and a waiver on registration fees, and road tax.

When you scrap your two-wheeler, submit the Certificate of Deposit (CD) and deregistration proof to your insurer for cancelling your car insurance policy.

How To Scrap A Car In India?

If you are planning to scrap your old car under the vehicle scrap policy 2021, then follow these steps:

Step 1: Connect with the scrapping centre

• Either call an authorised scrapping centre or contact them through their website
• Schedule an appointment
• Either drive your vehicle to their scrap yard or request them to collect the vehicle from your place. Be aware if you take their service of collecting the car from your place, you may have to pay towing charges

Step 2: Documents required

• PAN Card
• Original registration number of the vehicle
• End-of-Life-Vehicle certificate
• If you do not take your vehicle to the scrapping facility, authorisation on a stamp paper for the authorised person so that they can submit the vehicle at the Authorised Vehicle Scrapping Facility (AVSF)
• Identity proof of the authorised person (Aadhaar card, Voter ID, Passport)
• A disclaimer or an undertaking by the vehicle owner stating all furnished information is true and correct to their knowledge
• A cancelled cheque
• Photograph of the vehicle owner

Step 3: Commencement of the scrappage process

• First, the tyres, battery and CNG kit (if there is one) are removed
• The air conditioning unit's refrigerant is drained and delivered to the de-pollution station
• All liquids including engine coolant, gearbox oil, petrol, brake fluid, steering fluid, windshield washer fluid, and engine oil are removed
• Next, the fuel tank and the exhaust system of the vehicle are removed
• After that, body panels, the boot lid, bonnet, fenders, doors, headlights, and bumpers are removed. This is usually done manually
• Then, the dashboard, roof liner, seats, floor mats, steering wheel, and other interior parts are removed. The vehicle's wiring system is likewise taken out
• The vehicle's running gear is then removed, it is elevated, and the engine, brakes, and suspension are also taken out of the vehicle
• Finally, the Vehicle Identification Number (VIN) is cut out

Step 4: Recycling the remaining part

• After the above-mentioned procedure is done, only the outer shell of the vehicle remains
• Using a crane, this outer body is then dumped into a crushing unit. Once the shell is crushed, the residue is steel bale. This steel bale is sold for smelting
• Parts that are scrapped or removed are also crushed to derive steel bale
• In the whole process, utmost care is taken to ensure that AC gasses or oils are not discharged into the land or air

Step 5: Issuance of the Scrappage Certificate

• After the scrapping process is completed, a “Certificate of Destruction” is issued.
• Using this “Certificate of Destruction” you can get your vehicle de-registered at your local RTO
• Once your registration is cancelled, you will get the scrap value of your car or bike either through a cheque or it will be directly credited to your account.

Owning Old Vehicles Will Be Costly

Scrapping your old unfit vehicle under the Vehicle Scrappage Policy can be a great decision in terms of cost-benefit comparison. This is because driving an old vehicle comes with several additional costs. Some of them are:

• Higher maintenance costs: Older vehicles, especially those 15-20 years old, usually come with higher maintenance costs. And, more often than not, these costs go on increasing with each passing year.
• Higher fuel consumption:The mileage of the old vehicles decreases with time due to regular wear and tear, after prolonged regular use. This means less performance and high fuel consumption.
• Higher fees:The registration renewal fees of vehicles older than 15 years are relatively much higher. Similarly, the fitness test charges of such vehicles are also higher than newer ones.
• Green cess: Older vehicles attract a green cess of 10-15% over and above the road tax.
• Higher registration fee for vintage cars: Renewing the registration of a vintage vehicle is also costly. The cost of getting the new certificate for your vintage vehicle is Rs 10,000. It is valid for 10 years only. Post that, you will have to get subsequent registration renewals every five years, which will cost Rs 5,000.

Rto Rules For Car Scrapping Process In India

The RTO rules for the car scrapping policy include:

• The owner of the vehicle has to write an application to the RTO for car scrapping.
• The vehicle owner must submit an affidavit declaring that there is no pending loan associated with the vehicle or pending insurance claims or traffic challans. And lastly, the vehicle is not related to any running or pending court cases.
• The registration certificate of the vehicle has to be surrendered. The RTO will keep the registration number and the cut-out VIN as records for future use.

The Authorised Vehicle Scrapping Facility (AVSF), where the scrapping procedure is done, will issue a confirmation letter with its address on the letterhead. This has to be submitted to the RTO along with the pictures of the scrapped vehicle.

RTO Rules For Deregistration And Scrapping Of Old Vehicles

The deregistration and scrapping of a vehicle require the owner to provide original RC, ID proof, and a certificate of the vehicle’s health and condition to the RTO. After the deregistration, it is sent to the registered scrapping facility for scrapping.

Updates On Vehicle Scrappage Policy

The vehicle scrappage policy is still evolving, and the government is working on introducing new testing stations and locations for scrapping. Inventive for vehicle owners is also being discussed.

FAQs

Is it mandatory to scrap an old vehicle?

It is not mandatory. However, if the vehicle is older than 15 years and is unfit, then it is better to scrap it.

What does a fitness test check?

The fitness test checks how roadworthy your vehicle is and how much is it adding to the pollution levels.

What will be the consequence of failing the fitness test?

If your vehicle fails to clear the fitness test, you can either send it for scrapping or you can repair it and re-apply for a fitness test.

Which Indian ministry is related to the Vehicle Scrappage Policy?

The Ministry of Road Transport and Highways (MoRTH) is the administrator of the Vehicle Scrappage Policy.

Will the government-authorised scrapping centres give me the best car scrappage deals?

Though exact information is awaited on the cost details of the scrappage deals of the government-authorised scrapping centres, it is speculated that the best possible deals with be available here.

Is the car scrappage scheme applicable for petrol and diesel vehicles?

Yes, the car scrappage scheme is applicable for both petrol and diesel vehicles.

Why was the Vehicle Scrappage Policy needed?

The vehicle scrappage policy was introduced to scrap the old unfit vehicles that are increasingly adding to environmental pollution because of their higher carbon emission. In addition to environmental preservation, this scrappage policy will also help expand the automobile sector.

How much will I get to scrap my car?

While the exact value may differ, you can expect to get 4-6% of the vehicle’s original ex-showroom price if you scrap your car.

Conclusion

The vehicle scrappage policy in India is the government’s initiative to decrease pollution, enhance road safety, and enhance the condition of the automobile industry. Through incentives and disincentives, authorities keep the process of scrappage regulated. Being informed about the policy and its changes helps you stay in touch with the relevant processes and participate in this progressive initiative.

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. 

Last updated: 06 Feb 2025

Buying your dream car or bike brings you unmatched joy. You may have been eyeing the model you love, researching about it, saving up money, and making plans around it, but have you thought about registering it? If not, then you must. 

In India, you must register your brand-new vehicle at the Regional Transport Office (RTO), and get a new vehicle registration number to be able to take it out on the road. If you are caught driving your new car without a registration number and certificate, you will have to pay hefty fines, and in some cases, you may even face imprisonment.

Registering your vehicle is mandatory and there is no point delaying it. Therefore, once you pay for your car or bike, initiate the registration process. Here’s how you can do it.

How to register your new vehicle?

Registering your vehicle at the RTO requires submitting certain documents and paying the required fees.

Steps to register your new vehicle at the RTO

If you plan to pursue new RTO registration of your vehicle yourself, then follow the steps below:

Step 1: Visit the nearest RTO. Take your new car or bike along with you.

Step 2: Fill out the registration form and submit it along with other necessary documents.

Step 3: Post submission of the form and the documents, the RTO will check them.

Step 4: Meanwhile, pay the RTO charges for the new vehicle registration. The charge may differ for bikes and cars. Also, pay the road tax and collect the receipt of both payments.

Step 5: A designated RTO inspector will inspect the vehicle.

Step 6: Vehicle details such as the make and model, fuel type, engine capacity, and more will be recorded and uploaded to the central database.

Step 7: The Superintendent of the RTO will verify the uploaded data.

Step 8: The Assistant Regional Transport Officer (ARTO) will approve the registration of the vehicle.

Step 9: Once the ARTO approves the registration, the Registration Certificate (RC) and a corresponding RC smartcard will be generated.

Step 10: When the RC is ready, it will be sent to your registered address via post.

Can you go for an online vehicle registration?

No, you cannot get new car registration or two-wheeler bike registration done online. It is extremely important to note that the e-portal of Parivahan cannot be used for new vehicle registration online. It can be used only for the renewal of vehicle registration.

This is because a new car registration or a new two-wheeler bike registration essentially requires a physical inspection of the vehicle at the RTO. Since the physical presence of the vehicle is compulsory for new vehicle registration, you cannot register a car or bike online.

How to apply for a new number plate?

Every motor vehicle must display its unique registration number on the High-Security Registration Plates (HSRPs) fixed on the front and back of the vehicle. Aluminium-made and colour-graded HSRPs cannot be tempered.

This plate is attached to the vehicle using two non-reusable locks. However, you can get a new bike number plate or car number plate online and offline.

To apply for a new number plate online, follow these steps:

Step 1: Visit the RTO website of your state.

Step 2: Submit all necessary details like your name, address, contact number, car registration number, chassis number, and more.

Step 3: Next, select the vehicle class, whether it is used for commercial or personal use.

Step 4: Pay the required fee and collect the payment receipt.

Step 5: You will get the acknowledgement notification that your HSRP has been created and dispatched.

Alternatively, if you do not have easy access to the RTO website or you are not comfortable will the online method, you can go to the RTO and submit the required form, make the payment, collect the receipt and get your HSRP number. You can also get the new number plate from your dealer.

Vehicle registration forms

Getting a new vehicle registration number may look like a complicated process if you are not aware of the forms that you must fill out.

You can find all the details on the Parivahan website, and even download the forms from there. Meanwhile, here is the list of forms that you must have for vehicle registration:

Besides the forms mentioned above, you will have to submit the following documents to the RTO when applying for new car registration:

• Identity proof
• Age proof
• Address proof
• PAN card (if PAN card is not available, then Form 60)
• Engine Number and Chassis Number
• Purchase invoice of the vehicle given by the dealer and the manufacturer
• Passport size photographs

Vehicle registration fee

Listed below are the fees that you may have to pay in association with vehicle registration in India.

Necessity of Vehicle Registration

Registering your vehicle is important and mandated by the Motor Vehicles Act 1988. It gives legal ownership to you and helps you and the authorities keep track of the vehicle in case of accidents or theft. Registration number is also necessary to check whether your automobile complies with road and environment-related regulations. It helps verify the insurance, pollution under control (PUC) certification, and fitness certification status of the vehicle.

Temporary and Permanent Registration Number

Temporary registration is provided by the dealer and remains valid only for a month. The RTO does a permanent registration after you finish obtaining the registration number.

Vehicle registration status: How to check the RC status of your vehicle?

After you have applied for a new vehicle registration, you can check the status of your application online. Just follow these steps:

Step 1: Visit the official website of Parivahan

Step 2: Search for “Online Services”

Step 3: Next click on “Vehicle Related Services”

Step 4: From the available drop downs, select your State and the RTO office

Step 5: Then click “Proceed” and you will arrive at the next page

Step 6: Click on “Status” and then click on “Know Your Application Status”

Step 7: Submit the application number and the captcha code

Step 8: Click “Submit” and you will be able to view your RC application status

How to get a duplicate RC?

The Registration Certificate (RC) is a necessary document for all vehicle owners. You must carry it along with you whenever you take your vehicle out on the road. In case, you lose your RC, you should apply for a duplicate RC without any delay. You can apply for a duplicate RC by doing the following:

Step 1: Visit the official website of Parivahan

Step 2: Search for “Online Services”

Step 3: Next click on “Vehicle Related Services”

Step 4: From the available drop downs, select your State and the RTO office

Step 5: Then click “Proceed” and you will arrive at the next page

Step 6: Click on “Service” > “RC Related Services” > “Apply for Duplicate RC”

Step 7: Submit the last 5 characters of your vehicle’s Chassis Number

Step 8: Click on “Verify Details”

Step 9: Next, enter some basic information and then click on “Payment”

Step 10: Make the payment and save the receipt of the payment

Step 11: Either visit the RTO to collect your duplicate RC, or download it from the Parivahan website.

You can apply for duplicate RC offline as well. Go to the RTO and submit all the documents, make the payment, and apply for a duplicate RC.

How to download a duplicate RC?

You can download your duplicate RC using DigiLocker, a flagship initiative by the Ministry of Electronics and IT, under the Digital India Programme. DigiLocker is a digital document wallet where citizens can access their important authentic documents.

Follow the steps given below to download your duplicate RC using DigiLocker:

Step 1: Visit the DigiLocker website or download and install the app on your smartphone or tab

Step 2: Create a new account if you are a new user. If you already have an account, then log in

Step 3: Select “Registration of Vehicles”

Step 4: Enter the registration number and the Chassis Number

Step 5: Go to the issued documents section

Step 6: View or download your duplicate RC

Duplicate RC fees

Listed below are the fees related to the issuance of duplicate RC:

Documents required for a duplicate RC

To get a duplicate RC, you will have to submit the following documents at the RTO:

• Form 26 – Application for issuance of a duplicate RC
• Address proof such as the Aadhaar card, passport, voter ID etc.
• First Information Report (FIR) from the police
• Affidavit stating the RC is lost, and not impounded
• Pollution Under Control (PUC) certificate
• Challan clearance from Traffic Police
• Insurance certificate of vehicle
• Tax clearance for commercial vehicles, obtained from Accounts Department
• PAN card (Form 60 and Form 61, in case PAN card is not available)
• Chassis Number
• Engine Number
• Identification of the owner’s signature

These are the documents usually required for getting a duplicate RC. However, the actual precise document list may differ from state to state.

Vehicle registration renewal: How to go for it?

The new vehicle registration remains valid for a stipulated period. After that, you must renew the registration certificate. The application for the renewal of registration cannot be made more than 60 days before the expiry date. You can easily apply for vehicle registration renewal in the Parivahan portal. Here’s how:

Step 1: Visit the official website of Parivahan

Step 2: Click on the “Online Services” tab. Choose “Vehicle Related Services” from the drop-down list

Step 3: Enter your state name and registration number. Click on the “Proceed” button

Step 4: Next, click on “Renewal of Registration”

Step 5: Enter the last 5 characters of your vehicle’s Chassis Number and then click on “Verify Details”

Step 6: Enter your registered mobile number. You will get an OTP

Step 7: Submit the OTP and then click on “Show Details”

Step 8: Verify the information and then click “Payment”

Step 9: Make the payment and download the receipt of the payment

Step 10: Visit the RTO. Take along all the necessary documents and duly filled forms. Do not forget to take your vehicle along with you.

After the inspection of the vehicle and verification of the documents, the RTO will issue the renewed RC.

RC renewal fees

Given below are the RC renewal fees for different class of vehicles:

Documents required for the RC renewal

For the renewal of the RC, you will have to submit the following documents:

• Form 25 – Application for RC renewal
• Original RC
• Payment receipt of road tax
• Pollution Under Control (PUC) certificate
• Vehicle insurance certificate
• Vehicle fitness certificate
• PAN card (Form 60 and Form 61, in case PAN card is not available)
• Chassis Number
• Engine Number
• Identification of the owner’s signature

New rules for vehicle number plates in India

There are some rules surrounding new registration vehicle numbers and number plates in India. You should be aware of them to avoid any face-off with the authority.

• If you are using a temporary registration number, it has to be displayed on a yellow background plate with red colour lettering.
• If the vehicle is that of a dealer, then the registration number is to be displayed on red background with white lettering.
• Regional languages cannot be used to display the registration number.
• Any such fancy or special number auctioned by the union territories (UTs) cannot be displayed on the number plate.
• The number plates of four-wheeler BS-VI vehicles should have a green colour layer of 1 cm.
• The number plates of four-wheeler BS-VI vehicles should have stickers attached that show the type of fuel used. Orange for diesel vehicles and blue for vehicles that run on CNG or petrol.
• Doesn’t matter if it is an old or a new registration vehicle number, a paper-printed registration number on the plate of a vehicle is not allowed.

Bharat number plate (BH series number plate) registration

Bharat number plate registration or BH series registration is a pan India vehicle registration set up essentially for government and private sector employees who have their offices in more than four states or union territories.

• The Bharat number plate or the BH series eliminates the extra work of applying for new registration when moving from one state to other.
• A unique feature of the BH series is that one has to pay the Motor Vehicles tax for 2 years or in multiples of 2 years, that is, that is, 4, 6, 8 years, or more.
• The road tax can be paid for 2 years and up to 14 years. After that, the road tax has to be paid yearly.
• The format of the BH series is 21 BH 1234 AA. Here, 21 is the year of registration, BH stands for Bharat, and the rest is the unique number for the vehicle.

FAQs

How many days does it take to get a new vehicle registration number?

Usually, it takes a couple of days to get a new vehicle registration number. However, if you are doing it offline by visiting the RTO, you can get the new vehicle registration number on the same day.

What to do if my RC is lost?

If you lose your RC, or it gets damaged, you can apply for a duplicate RC through the Parivahan portal.

How much time does it take to get an HSRP number plate for a car?

If you apply for your HSRP number plate for your car online, then it may take a few days to generate and dispatch the HSRP. However, if you visit the RTO or get your dealer to get one, you can get your HSRP the same day you apply for.

Who is eligible to get a BH series registration number?

Government employees and private sector employees who have offices in more than 4 states and UTs are eligible to get a BH series registration number.

Is it compulsory to register my vehicle through the dealership?

No, it is not compulsory to register your vehicle through the dealership. You can register your vehicle on your own via the online portal of Parivahan or offline by visiting the RTO.

How can I view the VAHAN application status online?

To view the VAHAN application status online, you will have to visit the official website of Parivahan. You will find the necessary instructions under “Online Services”. Follow them and you will be able to view your application status.

What is the road tax on new vehicle registration?

Road tax is the tax you pay to drive/ride your vehicle on Indian roads. This tax is used for the development and maintenance of roadways. Remember, road tax varies from state to state.

What is the RC renewal fee in India?

The RC renewal fee in India varies across different vehicle classes. Refer to the detailed table given above to know the applicable RC renewal fee for different vehicle classes and types.

Is there any late fee for the renewal of RC?

Yes, if you do not renew your RC in time you will attract a late fee of Rs 300/month for a two-wheeler and Rs 500/month for other non-transport vehicles.

Can I renew the RC of my car after 15 years?

Yes, you can renew the RC of your car after 15 years. After that, you will have to renew the RC of your car every 5 years.

What is the validity of the temporary registration number?

The validity of the temporary registration number is 30 days. In between, you must apply for and get your permanent registration number.

Conclusion

Registration of your vehicle is necessary for its recognition and getting car insurance. It will ensure that you abide by the rules of the government while having the best experience on the roads. Registration number also helps you trace your vehicle if it gets stolen.

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. 

Fuel costs are soaring high. To add to the woes of spending on fuel, the burning of fossil fuels is among the leading causes of environmental damage. The carbon emissions from the combustion of fuels such as petrol and diesel are very high. Amidst all this, Compressed Natural Gas (CNG) has surfaced as one of the best alternatives to traditional fuels. Low budget, lower maintenance costs, and significantly reduced carbon emission are some of the key reasons for the growing popularity of vehicles fitted with CNG kits.

Today, CNG kit-fitted vehicles are becoming increasingly common. When buying a new vehicle, you may choose one with a pre-fitted CNG kit. But, what if you already own a traditional vehicle that utilises an internal combustion engine (ICE)? Would you have to wait until you decide to change your car or two-wheeler to switch to a CNG vehicle?

The answer is, no. You can easily install a CNG kit in a petrol or diesel-run vehicle. Read on to know how to convert a petrol car to a CNG car.

What is a CNG kit?

As mentioned above, you can either buy a CNG car or two-wheeler or install a CNG kit in your existing petrol or diesel-run vehicle. A CNG kit turns your internal combustion engine-fitted vehicle into a CNG-compatible vehicle.

A CNG kit comprises a refill valve, pressure gauge, and an Electric Control Unit, along with some other fittings such as hoses, clamps, high-pressure tubes etc. However, before you schedule the CNG fitting of your combustion engine vehicle, you must check if your car or bike is compatible with the CNG fitting or not.

If your vehicle is compatible with the fittings, then you may proceed with the CNG kit installation process. However, remember to get approval from your RTO for the conversion of a petrol or diesel-based car or scooter into a CNG-run one.

What is the use of a CNG kit?

Now that you know what a CNG kit is and what it does, let us look at the uses of various components of the kit.

• CNG fittings come with a fuel switch for the driver to switch from petrol or diesel mode to CNG mode as and when needed.
• The CNG kit has a CNG cylinder, which is called the fuel tank. This is where the compressed natural gas is stored. Usually, this cylinder is installed at the back of the vehicle.
• The high-pressure compressed gas is released from the fuel tank through the extensive set-up of fuel lines or channels.
• There is a regulator to manage the pressure. It functions in sync with the engine fuel injection system.
• Once the pressure is regulated, the CNG passes to the combustion or manifold chamber. Here, CNG comes into contact with air.
• A spark plug ignites the CNG as soon as it mixes with air, and the engine starts.

Is a CNG kit compatible with your vehicle?

Given its growing popularity, more and more people are seeking to understand how to convert petrol cars to CNG cars. However, not all vehicles can be fitted with a CNG kit. For example:

• Older vehicles are not suitable for such technological customisations
• CNG is not the right fit for bikes with mid to high CC. Such bikes need higher acceleration power. However, most scooters are compatible with CNG.

The best and the most authentic way to know if your petrol or diesel car can be converted to a CNG-run vehicle or not is to contact or visit the nearest Regional Transport Office (RTO). RTOs have an exhaustive list of cars that are suitable for CNG fitting.

If your car’s make and model are listed among the RTO’s CNG-compatible prescribed list of cars, then you may proceed with the CNG kit installation. Note, the list of cars varies from place to place. Therefore, check the list outlined by the RTO of your area only.

In the wake of rapidly changing environmental conditions, switching to sustainable alternatives is no more an option, but a necessity. Increased adoption of electric vehicles is one way to tackle the issue. However, small a solution it may look, the collective effort can yield significant results.

A new vehicle buyer can always choose an electric vehicle over a traditional combustion engine vehicle. But, what about those who already have a petrol or diesel vehicle? If you are one of them, then this article is for you. You can still do your part in preserving the environment by choosing to convert petrol cars to electric cars. You can get a car insurance for your electric car. Here’s all you need to know about diesel or petrol to electric car conversion.

Types of electric vehicles

There are primarily three types of electric vehicles (EVs):

1. Battery Electric Vehicles (BEV):

These electric vehicles are charged using DC level 3 chargers. These are one of the most environmentally friendly vehicles. A prime example of BEV is Tesla X.

2. Plug-in Hybrid Electric Vehicles (PHEV):

These electric vehicles get power from both the plugging-to-power method as well as Regenerative Braking. Prime examples are Porsche, BMW, and Mercedes.

3. Hybrid Electric Vehicles (HEV):

These types of electric vehicles initially start using electric power and then shift to gas as and when speed increases. There are many international fleets of HEVs manufactured by popular brands such as Toyota and Honda.

Retrofitting a car with an electric kit

While the need and significance of electric vehicles are well known, it is also true that electric vehicles are not easy on the pocket. However, today, we do have a sustainable alternative. Something which was not feasible a decade ago has become one of the most popular hacks of the vehicle industry—converting traditional fuel cars into electric cars.

Are you wondering—is this possible? Is it legal? If yes, how do you go about conversion of a petrol car to an electric car in India? Let us deal with these questions one by one.

• Yes, it is possible to convert your petrol or diesel-run vehicle into an electric vehicle.
• It is legal as authorities have made due changes in the Central Vehicle Motors Rule, 1989 to allow you to convert diesel cars to electric vehicles.
• The rule allows retrofitting traditional combustion engine vehicles with an electric core.
• Cars with retrofitted electric cores have an electric car conversion kit as well. This is to ensure the smooth functioning of the vehicle.
• With an electric core, erstwhile petrol or diesel-run vehicles can choose to power their vehicles using electric battery-operated systems.
• Retrofitting a petrol or diesel-run car with an electric kit will not only help restrict environmental pollution but also phase out or remodel old and unfit cars.
• As per the norms of the Central Vehicle Motors Rule, retrofitting can be graded into three categories—conversion into an electric vehicle for all types of vehicles, hybrid conversion for those weighing 3.5 tonnes, and for vehicles that weigh more than 3.5 tonnes.

Benefits of electric vehicles

Some benefits of electric vehicles include:

• No use of fuel: Fuel prices have been rising and do not appear to be going down any time soon. With an electric vehicle, you may stop buying petrol or diesel to refuel your vehicle, thus saving money.
• Environment-friendly: Air quality remains unaffected and air pollution is reduced by electric cars. These vehicles generate less noise pollution as well.
• Easy maintenance: An electric four-wheeler has fewer parts than a fuel-powered vehicle. The structure is relatively much simpler. As a result, maintaining such a vehicle is also less expensive.
• Regenerative braking: Most electric vehicles come equipped with this technology. In this, every time the vehicle applies a brake, the electric generator of the vehicle generates electricity and recharges the battery.
• Safe: In the event of an accident, electric cars are less likely to sustain significant damage. This can be ascribed to their lightweight design.
• Sustainable: Electric vehicles are the future of the automobile industry. Getting used to electric vehicles is advantageous compared to using traditional fuel-run vehicles

Drawbacks of electric vehicles

• Covers less distance: The mileage offered by electric vehicles is relatively lower than that of those cars that run on petrol or diesel.
• Expensive: This is one of the most evident concerns with electric vehicles that are available in the market today. All of them are high in cost.
• Lack of infrastructure: Sustainable and smooth use of electric vehicles requires significant and expansive infrastructure, in the sense, that roads should have ample recharge stations. Such infrastructural backup is not yet available in India.
• Long recharge time: Electric vehicles need some prep time and in some cases, they can take significant time to get fully recharged.

How are hybrid vehicles different from electric vehicles?

Here are some major differences between hybrid vehicles and electric vehicles:

Updated on 27-03-2025

Having a general insurance policy document in hand is crucial. It provides a comprehensive understanding of the coverage offered by the insurance policy. The policy document outlines the terms and conditions of the car insurance contract, clarifying the rights and responsibilities of both the insurer and the insured. Moreover, the policy document details any exclusions or deductibles associated with the policy.

How to Download Car Insurance? 

Downloading your car insurance policy is a simple process. Insurance providers usually have dedicated portal, app, or customer care department to help you through the process. To obtain your policy documents-

1. Go to the official website of the insurance provider 
2. Put your credentials and login to your user account or make a new user account 
3. Go to the policy section, open “My policies” or “Download Policy” 
4. Verify the details and download the policy document 
5. Save the softcopy or make a print of the document

Inclusions Under the Car Insurance Policy 

Car insurance is of two types: Third-party liability coverage and comprehensive insurance. While the former covers only liabilities towards others injured in an accident with your vehicle, the latter covers more situations. 

comprehensive car insurance policy usually provides extensive coverage for the following:

1. Third-party liabilities, including the medical cost of treating injuries caused to others and damages to their properties due to an accident by your insured vehicle. 
2. Own damage cover for financial support after vehicle theft and damages caused due to accidents or natural calamities. 
3. Personal accident cover for providing compensation in case of any unfortunate event leading to injury, disability, or death of the policyholder. 
4. Total loss of the vehicle due to irreparable damage.  
5. Damages caused by self-ignition.  

Add-on coverages like engine protection, roadside support, and zero depreciation are available with comprehensive insurance, providing enhanced protection.  

How to Download ICICI Lombard Car Insurance Copy Online: Step-by-Step Guide 

If you have insured your health or vehicle with us, here is how to download the policy document.

Through Website

• Navigate to the 'Support' section under the dashboard displayed on the home page.
• Choose 'Help Centre' from the drop-down menu.
• Scroll down and find 'Online Requests.'
• Choose 'Require Policy Copy' under the 'Request policy copy' section. 
• Choose product type and select 'request' as your case type.
• Click 'Next' to share your policy number and other required information under the details-2 section.
• Input the code and tap on Proceed.
  
  

Through Chatbot

We have deployed RIA, an intelligent chatbot in our system that can assist in buying, renewing, or changing policy-related details. Here is what you need to do to get policy documents.

• Click 'Ask RIA.'
• Select 'Already a customer.’
• Click on 'Download your policy.'
• Provide policy/mobile/UHID/vehicle number, depending on your policy type.
• After a few more requirements, you can easily access your policy document and download it.

Our bot, RIA, is also available on WhatsApp, and you can connect with her here at 7738282666.

Other Ways

You can also request your policy document through the ILTakeCare App. Further, writing at customersupport@icicilombard.com or calling 18002666 can also assist in downloading the policy document.

How Do You Get a Duplicate Policy of Car Insurance? 

In case you have lost the original papers of your car insurance policy, you can get a duplicate copy of the documents with these steps- 

1. Get in touch with the insurance provider and inform them about the loss or theft. 
2. Provide them with necessary details such as policy and vehicle number to verify yourself. 
3. Request for a duplicate copy through an application. 
4. Insurance providers give you an option to get a duplicate copy online. Download the document and save it for future use. 
5. You can also get the duplicate policy copy offline from the nearest branch of your insurance provider.  

FAQs

• Can I download my car insurance policy without the policy number?

Yes, you can download the insurance policy using your registered mobile number, email, or vehicle number. 

• How long does it take to download a car insurance policy online?

It takes only a few minutes to download a car insurance policy after providing the correct details. 

• Is the digital copy of car insurance valid?

Yes, a digital or softcopy of your car insurance policy is valid for all official purposes. 

• What to do if I do not receive my car insurance documents after purchase?

You can call the customer support of your insurance provider and get this issue resolved. 

• Can I download my car insurance policy through a mobile app?

Yes, insurance providers such as ICICI Lombard allow you to easily download your car insurance policy through their mobile application. 

Conclusion 

Downloading your car insurance policy ensures that you have all documents whenever you need to get them verified or in case you are making a claim for urgent repairs or accidents. Keep your policy documents safe, preferably in online and offline locations, and in case of loss, quickly apply for a duplicate copy. You can save a lot of time with the online methods of downloading your car insurance policy. 

Driving in India comes with countless challenges. Poor road conditions, open manholes, and complete disregard for traffic rules by some motorists are among the leading causes of road accidents in the country. No matter how cautiously you drive, you have no control over several unfortunate incidents including scratches. 

Dents or scratches are minor incidents, and fixing them does not require big money. But, the question is—if you have a comprehensive car insurance policy, does it cover minor damages such as dents and scratches? If yes, then what are the implications of filing such claims? Let's look at it in detail.

Are car scratches covered in a car insurance policy?

Car insurance coverage varies depending on the insurer and the policy terms. It is critical to read the fine print of the policy document to understand inclusions and exclusions and avoid any possible claim rejections. Mostly, popular insurers cover scratches. However, if you have only a third-party liability insurance policy for your car, without a standalone own damage cover, the insurer will deny your claim.

Incidents of scratches or any significant events such as theft, irreparable damage, and loss due to fire are typically covered by comprehensive and standalone own-damage insurance.

Will a car scratch affect your NCB?

The NCB, or No Claim Bonus in car insurance, is a percentage reward for not filing a claim during the policy year. It is given as a discount on the premium amount at the time of policy renewal. It starts at 20% for the first claim-free year and can go up to 50% if you complete five consecutive claim-free years.

A scratch on your four-wheeler requires the least amount of money to repair. It would not cost you more than a few hundred or thousands of rupees. Using your policy for this minor expense would result in the loss of your accumulated NCB discount.

Last updated: 05 Feb 2025

Are you planning to buy a new car? While you may have shortlisted the car of your choice and arranged for funds, have you looked up the difference between what has been quoted to you as the price of the car by the dealer, and what you will be actually paying? You must know what ex-showroom price means and what is the on-road price of the car you wish to buy before closing the deal.

What is the ex-showroom price?

In simple terms, the ex-showroom price is the price at which dealers buy or procure a vehicle from the manufacturer. This price does not include the cost of vehicle registration, which must be done at the local RTO. Also, the ex-showroom price does not include road tax and insurance costs. Here’s all you need to know to understand what ex-showroom price means:

• Registration, road tax, and insurance are non-negotiable for driving or riding a motor vehicle in India. Not adhering to these three compliances can attract heavy fines and even imprisonment. The ex-showroom price does not include the cost of these.
• The ex-showroom price includes the factory cost of the vehicle, Goods and Services Tax (GST), and the profit margin of the vehicle dealer. However, you will have to pay extra for optional accessories.
• The ex-showroom price of a vehicle is the advertised price.

What is the on-road price?

The on-road price is the final amount you pay to receive a ready-for-road vehicle from your dealer. The points mentioned below will help you understand what is the on-road price:

• The on-road price is inclusive of the ex-showroom price, the cost of vehicle registration, road tax, and the cost of insurance.
• In case you want additional features and accessories, then the same is included in the on-road price of the vehicle.
• You can check the difference between the ex-showroom price and the on-road price using online calculators or by reaching out to the dealer.

Difference between a vehicle’s ex-showroom price and on-road price

Here are the major difference between the ex-showroom price and the on-road price:

On-road price for new vehicles

Several factors affect the on-road price of a vehicle. While some of these factors are obligatory, others are optional. It is crucial to know these factors, or else you may find yourself confused between the difference in your estimated purchase price and the actual vehicle price.

• Charges of vehicle registration

Whether you buy a bike or a car, it must be registered at the Regional Transport Office (RTO). Usually, the dealer from whom you are buying the vehicle gets this done. Correspondingly, the dealer includes this expense in the final price of the vehicle that is the on-road price. Note, vehicle registration charges differ from state to state. Also, the vehicle registration charges increase if you want a specific registration number.

• Road tax

When you use a motor vehicle on Indian roads, you must pay the road tax. While this is a component of the on-road price, it is calculated based on the ex-showroom price. Usually, it is a percentage levied on the ex-showroom price, which ranges between 2% and 3%. The road tax paid once remains valid for 10-15 years.

• The tax collected at the source

The dealer levies a tax of 1% of the ex-showroom price of the vehicle. This tax is called tax collected at source.

• Annual maintenance charges

Many vehicle dealers offer an annual maintenance package that includes services like cleaning the vehicle, polishing, roadside assistance, and more. If you take up this package, then the on-road price will increase further.

• Cost of essential accessories

Some accessories such as floor mats and seat covers are essential. You can buy these essential accessories from your vehicle dealer or you can opt to buy them separately. If you buy them from your vehicle dealer, then the cost of the same will be included in the on-road price.

• Cost of extra accessories

There are some accessories that you choose to add to your car or bike to enhance its features and/or efficiency. For example, you may want to buy a trendy helmet for your bike or install a GPS navigation tool in your car. Adding these extra accessories to your purchase list will increase the final that is the on-road price of your vehicle.

• Extended warranty

All vehicles come with a fixed warranty provided by the manufacturer. It is available only up to a certain time or distance travelled. However, you can extend this warranty by paying some additional charges. Remember, this additional charge is included in the on-road price of the vehicle.

• Green cess

Post the ban on diesel vehicles in Delhi and NCR, the Supreme Court of India issued an obligatory cess called green cess, which is charged on the ex-showroom price of the vehicle. The cess differs from state to state and is decided by the government. It is subject to change as per the government’s policy decision.

• Handling charges

Your vehicle dealer must get your vehicle from the manufacturer’s factory outlet or warehouse. The transfer of vehicles from one place to another consists of transportation and handling charges. These charges are added to the on-road price of the vehicle. These costs are included in the profit margin of the dealer. Note, this particular component is not added to the on-road price separately. Rather, this is a component of the ex-showroom price.

• Insurance

As per the Motors Vehicle Act, you cannot drive your vehicle on the roads without valid motor insurance. You must have at least third-party car insurance. Usually, dealers have tie-ups with insurance providers and they arrange it for you. Or, you can get your insurance on your own. However, if you get your motor insurance from your dealer, it is only obvious that the cost of it will be added to the on-road price of the vehicle.

In the wake of rapidly changing environmental conditions, switching to sustainable alternatives is no more an option, but a necessity. Increased adoption of electric vehicles is one way to tackle the issue. However, small a solution it may look, the collective effort can yield significant results.

A new vehicle buyer can always choose an electric vehicle over a traditional combustion engine vehicle. But, what about those who already have a petrol or diesel vehicle? If you are one of them, then this article is for you. You can still do your part in preserving the environment by choosing to convert petrol cars to electric cars. Here’s all you need to know about diesel or petrol to electric car conversion.

Types of electric vehicles

There are primarily three types of electric vehicles (EVs):

• Battery Electric Vehicles (BEV): These electric vehicles are charged using DC level 3 chargers. These are one of the most environmentally friendly vehicles. A prime example of BEV is Tesla X.
• Plug-in Hybrid Electric Vehicles (PHEV): These electric vehicles get power from both the plugging-to-power method as well as Regenerative Braking. Prime examples are Porsche, BMW, and Mercedes.
• Hybrid Electric Vehicles (HEV): These types of electric vehicles initially start using electric power and then shift to gas as and when speed increases. There are many international fleets of HEVs manufactured by popular brands such as Toyota and Honda.

Retrofitting a car with an electric kit

While the need and significance of electric vehicles are well known, it is also true that electric vehicles are not easy on the pocket. However, today, we do have a sustainable alternative. Something which was not feasible a decade ago has become one of the most popular hacks of the vehicle industry—converting traditional fuel cars into electric cars.

Are you wondering—is this possible? Is it legal? If yes, how do you go about conversion of a petrol car to an electric car in India? Let us deal with these questions one by one.

• Yes, it is possible to convert your petrol or diesel-run vehicle into an electric vehicle.
• It is legal as authorities have made due changes in the Central Vehicle Motors Rule, 1989 to allow you to convert diesel cars to electric
• The rule allows retrofitting traditional combustion engine vehicles with an electric core.
• Cars with retrofitted electric cores have an electric car conversion kit as well. This is to ensure the smooth functioning of the vehicle.
• With an electric core, erstwhile petrol or diesel-run vehicles can choose to power their vehicles using electric battery-operated systems.
• Retrofitting a petrol or diesel-run car with an electric kit will not only help restrict environmental pollution but also phase out or remodel old and unfit cars.
• As per the norms of the Central Vehicle Motors Rule, retrofitting can be graded into three categories—conversion into an electric vehicle for all types of vehicles, hybrid conversion for those weighing 3.5 tonnes, and for vehicles that weigh more than 3.5 tonnes.

The claim settlement process of a vehicle insurance plan can be a daunting affair sometimes. Unlike life, home, or health insurance, where the proof of crisis or damage to the property due to a natural calamity has self-explanatory evidence, the same cannot be said about damage to vehicles.

For instance, the driver of a car or bike involved in an accident can shift the blame to the other party or refuse to take accountability. Thus, there remains a possibility of confusion. Consequently, negotiating a fair claim settlement amount may turn out to be a critical process.

Know your policy

To mitigate such uncertainties and their consequences, it is imperative to know all that you can claim in your settlement application. For that, you must read the policy outline thoroughly and take note of the inclusions and exclusions of your insurance policy.

Inclusions

Every vehicle insurance policy comes with certain inclusions. Make sure you are aware of them. Your claim will be taken forward, processed and accepted if and only if, the reason for the claim is covered under the inclusions. Comprehensive vehicle insurance covers third-party liabilities, total loss or damage to the car or bike due to natural calamity, personal accident etc.

Exclusions

Exclusions are the conditions or instances that are not included in the insurance policy. If you raise a claim for a cause that is excluded from the policy coverage, your claim will be rejected. Usually, instances such as drunk driving, driving without a licence, an invalid car insurance policy, or loss due to wear and tear are not covered by vehicle insurance.

Tips for smooth claim settlement

Given below are some tips to ensure that you have a comprehensive understanding of factors that affect the claim settlement on your vehicle

Maintain records

You should try maintaining the details of all small and large accidents or brush-offs suffered by your vehicle, in chronological order. The record should carry medical bills if there are any, police reports, and other related documents.

Comprehensive demand letter

When you make a claim, in your application for the same, break down all the elements that you took into consideration and how you arrived at the amount that you claiming.

Check the claim settlement ratio

One of the major indicators of the credibility of insurance companies is their claim settlement ratio (CSR). The higher the claim settlement ratio, the higher chances of your claim getting settled smoothly. Before you buy insurance, check the IRDA Claim Settlement Ratio 2022 list.

Easy settlement process

The claim process should be easy. At the time of claim settlement, you do not want to go through a tedious and time-consuming process. You can contact the insurance company directly to know about their claim settlement process.

While purchasing vehicle insurance, do not forget to check the claim settlement ratio of the insurance company. Choose a financially healthy company such as ICICI Lombard. You can check its credibility and track record by checking the ICICI Lombard Claim Settlement Ratio from IRDA’s annual report.

Travelling by car and discovering new places is a one-of-a-kind experience. It allows you to capture not just beautiful moments in exotic settings but also creates a wealth of memories. However, if you are stuck in the middle of your trip with a broken car, particularly one with a damaged engine, your excitement may turn to sorrow. Your concerns may be compounded when you learn that even if your vehicle is covered by comprehensive car insurance, you will not receive assistance for engine leakage.

So, does this imply that insurers do not offer any option to cover engines? The solution is the engine protection (EP) cover. You can avail of the benefits of this add-on cover by paying an additional premium. 

As the name suggests, the engine protection or EP cover reimburses the bill if the engine sustains damage due to water ingression, lubricant oil leakage, or a hydraulic lock fault. The coverage also includes key engine components. For example, if an engine's pistons, crankshaft, or gearbox are damaged, you can file a claim invoice.

However, the policy does not provide financial assistance if the engine is damaged as a result of your constant attempts to start your car while it is submerged. Another situation that is not covered is an increase in pressure when the engine is clogged with water.

The Engine Protection Add-On is not suitable for everyone. For example, if you live in a city with a good drainage system and little rain, investing in this cover may not be worthwhile. However, if you live or drive in a flood-prone area, this add-on is a must-have to extend the life of your vehicle.

You can buy this rider either at the time of buying a new policy or during the renewal process.

Purchasing a car is not a one-time expense. You will need to set aside some of your earnings to cover its operational and maintenance costs. Even minor car damage can result in significant repair bills. But, if you have a comprehensive motor cover, you won't have to worry about maintenance. Insurance provides financial assistance if repair costs are incurred as a result of an accident, fire, or other tragic events. Also, you will be compensated if you lose your car to theft or total damage. 

While driving a car, a few incidents are unavoidable; a dent is just one of them. It is critical to understand the claim process to avoid any last-minute hassles.

How to Claim Insurance for a Car Dent in India?

Follow these steps to raise a car insurance claim: 

• Notify your insurer: Notify your insurer as soon as possible following the accident that damaged your vehicle. You can dial the toll-free number to reach the claim support team.

• File an FIR: If the claim is for theft or an accident, you must file an FIR with the nearest police station.

• Save the claim number: When you submit your claim request, you will be given a claim acknowledgement number. Save this number for future reference. You will need it to track your claim status.

• Inspection: Your insurer will dispatch a surveying officer to assess the extent and nature of the loss. The officer will prepare a report based on his/her evaluation and send it to the claim support team.

• Garage appointment: Following the inspection, you will be given a list of nearby network garages. You can arrange to have your vehicle towed and the repairs completed. You may also visit a non-network garage. In that case, you cannot avail of the cashless claim facility and will have to file a reimbursement claim.

Following the completion of the preceding steps, the insurer will settle the claim.

According to the Motor Vehicle Act, all cars must have at least third-party liability insurance. If you do not follow this law, you will face consequences.  Hence, you should make sure you renew your policy on time to avoid any issues. If you are not sure of your policy expiry date, check it right away.

If you remember your policy number, you can check the status with the insurer directly. If you don't remember, you have two options:

• Through the Insurance Information Bureau (IIB) portal
• Via Vahan e-services

You can also check the status offline by visiting the insurer's branch office with your KYC and vehicle documentation. You can also use the online car insurance app of your insurer for the same. 

Why is it Important to Know Your Car/Vehicle Insurance Status?

You must know your vehicle insurance status for the following reasons:

1. It is illegal to drive a car without valid motor insurance. It can attract huge penalties.
2. An expired policy won’t cover you for third-party liabilities and own damage.
3. An up-to-date insurance policy allows you to make claims simply when needed.

How to Check Car Insurance Validity?

Checking the validity of your car insurance is essential to ensure you’re protected against liabilities and comply with legal requirements. There are several ways, online and offline, to check your vehicle insurance validity.

How to Check Vehicle Insurance Status Online on Parivahan Sewa?

Go to the Parivahan Sewa portal of the Indian government. It is made for easy and quick renewal and checking of vehicle insurance.

• Go to the Parivahan e-service
• Tap on "Know Your Vehicle Details"
• Share your car registration number and then tap on the "Search Vehicle" option.
• The displayed result will include all relevant information about your vehicle, including the insurance expiration date.

How to Check Car Insurance Status Online on the mParivahan mobile app?

To use the mParivahan app, follow these steps-

1. Download the application from Google Play or Apple Store.
2. Go to the app and register with your mobile number
3. Enter the vehicle registration details
4. You will find your vehicle details along with the insurance status

How to Check Car Insurance Status Online on the IIB Portal?

IIB is a government agency that maintains digital records of all the vehicles registered in India. To check your car insurance status on the IIB portal, do the following: 

• Go to the official website of IIB
• Go to the quick links displayed on the homepage and choose "V-Seva"
• After clicking the link, the Accident Vehicle Information Retrieval System webpage will appear on the screen 
• Next, fill in the information such as the registered mobile number, registration number, and a few other details
• Always double-check the information before clicking the "Submit" button.
• The insurance status will be displayed on your computer screen.

How to Check Car Insurance Status Online at the RTO?

To check the car insurance online on the RTO website, follow these simple steps-

1. Visit your state’s  RTO official website.
2. Enter the vehicle registration number.
3. Request for the insurance details
4. Take a printout of the details and save them for future use.

How to Check Car Insurance Status Online on ICICI Lombard?

If you have an ICICI Lombard car insurance policy, you can track its status even if you have misplaced the documents. Simply follow the steps mentioned below:

• Go to the ICICI Lombard website
• Navigate to the car insurance page and enter your vehicle's registration number, registered mobile phone number, and email address
• Click the "Submit" button
• Your insurance information will be displayed on the screen

You can also download your car insurance policy documents easily with ICICI Lombard.

How to Check Vehicle Insurance Status Offline?

To check the insurance status offline, you can try these options-

1. Visit the insurance provider’s office with policy details and your vehicle’s registration certificate (RC).
2. Contact the customer care department of the insurance provider.
3. Visit the nearest RTO office.

Why is it Important to Renew Car Insurance on Time?

Renewal of car insurance on time is important because-

1. It protects from any lapse or policy expiration.
2. Timely renewal saves money on extra charges or expenditures when your vehicle is not protected by insurance.
3. You may lose the No Claim Bonus or NCB in case of a delay in updating your insurance.

FAQs

1. Can I check my car insurance with only my mobile number?

No, you need a vehicle registration or policy number to find the correct details.

2. What if I cannot get insurance details online?

You can visit RTO or insurance provider personally for offline help.

3. Is mParivahan app free for all?

Yes, the mParivahan app is a no-cost option provided by the government.

Conclusion

It is advisable to keep your car insurance updated and record any claims or changes. With online and offline options available, finding and checking your insurance details is easier now than ever. Make it a habit to renew policies on time to keep your vehicle protected.

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. 

While financial stress will be present in case of any type of loss, the associated risks and mental stress in case of an accident are even higher, especially if a third party is involved. Besides dealing with own damage and loss, third-party liabilities can wreak havoc on your finances. To make matters worse, a delay in reporting the damage to the insurer can lead to a claim refusal. An insurer with a good claim settlement ratio will extend all sorts of support to you, provided you are honest and do the needful.

To ensure a smooth and hassle-free accident claim settlement process, the Ministry of Road Transport and Highways (MoRTH) has laid down a set of guidelines for all insurance companies.

• On the intimation of a road accident, the insurance company must assign an investigating police officer to the case.
• The investigating officer must inspect the accident site, click photographs of the site and the damaged vehicle, and prepare a site plan.
• The investigating police officer must send all the collected details to the claim tribunal within 48 hours of the accident.
• If there is a third-party liability—be it bodily injury/loss or a loss to the property, the third party, that is the victim of the road accident, should be informed of their rights. They should also be provided with a flowchart elaborating on the settlement scheme. These details have to be forwarded to their legal representatives as well. This intimation has to be done within 10 days of the accident.
• After that, the investigating officer must submit an interim accident report to the claim tribunal and the submission has to be done within 50 days of the accident.
• Post the submission of the interim accident report, the investigating officer must submit a criminal investigation report to the concerned criminal court within 60 days.
• The verification of all the documents and information has to be included in the Detailed Accident Report (DAR) and the same must be submitted to the claim tribunal within 90 days of the accident.

• Once the DAR is submitted to the claim tribunal, the same has to be forwarded to the insurance company as well.

• The insurance company will verify the details at its end and file a report.

  Depending on the available information and policy coverage, the insurance company will either accept or reject your road accident claim.

While the road accident claim settlement process looks tedious, it is fairly easy and simple. If you were not drunk driving or driving without a licence or insurance at the time of the accident, the claim will be settled smoothly. Just make sure you choose an insurer with a good car insurance claim settlement ratio or bike insurance claim settlement ratio. To know the claim settlement ratio of your preferred insurer, check the IRDA Claim Settlement Ratio 2022 report.

Driving in India comes with countless challenges. Poor road conditions, open manholes, and complete disregard for traffic rules by some motorists are among the leading causes of road accidents in the country. No matter how cautiously you drive, you have no control over several unfortunate incidents, including scratches. 

Dents or scratches are minor incidents and fixing them does not require big money. But the question is—if you have a comprehensive car insurance policy, does it cover minor damages such as dents and scratches? If yes, then what are the implications of filing such claims? Let's look at it in detail.

Is It Viable to File Claims for Dents and Scratches on a Car?

Though car insurance policies provide coverage for all kinds of damages, including dents and scratches, it is not always advisable to file a claim for minor issues. Making claims for small mishaps and damages can result in increased premium costs and can affect non-claim bonuses. So, it is better to pay for trivial repairs from your pocket.

Are Car Scratches and Dents Covered by My Car Insurer?

Car insurance coverage varies depending on the insurer and the policy terms. It is critical to read the fine print of the policy document to understand inclusions and exclusions and avoid any possible claim rejections. Mostly, popular insurers cover scratches. However, if you have only a third-party liability insurance policy for your car, without a standalone damage cover, the insurer will deny your claim.

Incidents of scratches or any significant events such as theft, irreparable damage, and loss due to fire are typically covered by comprehensive and standalone own damage insurance.

Will It Have Any Influence on My NCB?

The NCB, or No Claim Bonus, is a percentage reward for not filing a claim during the policy year. It is given as a discount on the premium amount at the time of policy renewal. It starts at 20% for the first claim-free year and can go up to 50% if you complete five consecutive claim-free years.

A scratch on your four-wheeler requires the least amount of money to repair. It would not cost you more than a few hundred or thousands of rupees. Using your policy for this minor expense would result in the loss of your accumulated NCB discount.

Will It Have Any Impact on My Deductible?

When getting car insurance, you can choose to pay a voluntary deductible which will lower your premium. An insurer will also set a compulsory deductible amount. You are responsible for paying the deductible amount, and the insurer will cover the balance. 

Now suppose your car collides with a two-wheeler, resulting in a scratch. You take your car to the garage for repairs, and the estimated bill is ₹3,000. The policy's mandatory deductible is 15%. It means you must pay ₹450 out of your pocket, and the insurer will pay the remaining ₹2,550.

Will It Impact My Monthly Premium?

Claim history is one of many variables that influence your premium amount. If you have previously filed several claims, it will give the insurer the impression that you have poor driving skills and are likely to file a significant claim soon. As a result, to offset their potential financial burden, you will be charged higher premiums.

Avoid filing minor insurance claims and try to accumulate NCB rewards to make the best of your car insurance.

FAQs

1. Can I claim insurance for minor scratches on my car?

Yes, a comprehensive car insurance policy provides coverage for minor repairs. However, it is advisable to assess repair cost and their potential impact on your policy before filing a claim.

2. What is the best approach for small scratches on cars?

For minor damages such as scratches, it is better to pay from your pocket to protect policy benefits such as NCB and avoid premium hikes.

3. Are scratches caused by vandalism covered by insurance?

Yes, if you have a comprehensive insurance policy, damages due to vandalism are usually covered.

4. Can I claim insurance for scratches caused by negligence?

No, most insurance providers do not cover for scratches caused due to negligence or intentional damage.

5. How many times can I file a claim under comprehensive car insurance?

There is no limit to the number of claims you can make with comprehensive car insurance. You can submit as many claims as needed annually for a vehicle.

6. What is the cost of fixing scratches in India?

The cost of repairing dents and scratches in India is between 800 and 2000 rupees.

Conclusion

While it is possible to claim insurance for minor car scratches and dents, it is important to calculate the pros and cons before starting the process. The repair cost is low for minor damages, and making an insurance claim might not be the best thing. When searching for car insurance online, familiarise yourself with the terms and conditions to make the right decision when filing a claim.

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.  

Discover the essential steps for settling insurance claims, including how to file, submit documents, and receive your payment smoothly. Get ready to claim with confidence.

You probably drive as carefully as you can to avoid accidents and refrain from violating traffic rules. But mistakes happen by the best of us. You may drive on high alert, but there will always be some mistakes you make, and you end up getting a challan. A traffic challan can be issued for flouting any traffic rules like jumping a signal, driving over the speed limit, or driving without valid motor insurance. Earlier, the process of getting a challan till actually clearing the fine in the system used to be an arduous task. But in order to simplify this process and ensure that traffic rules are followed even in the absence of traffic police, the authorities have employed the e-challan system.

What is an E-Challan?

An E-challan is a challan or fine that is generated through electronic and digital means. The idea behind employing e-challans is to reduce dependency on physical papers. An E-challan is accessible through an authorized digital source. These e-challans, add a great deal of convenience to the different processes surrounding them.

List of Fines for Violations of Traffic Rules in Maharashtra

It is simple: you break the rules, you pay the fine. Here is a list of traffic rules in Maharashtra and the fine payable if you do not follow them-

 How To Check Traffic e-Challan Status?

Different cities across India have different kinds of automated systems for giving e-challans. Some of them directly capture the vehicle on camera and issue a penalty. On the other hand, some require manual handling. This manual operation is carried out by traffic personnel who issue e-challans through a mobile app connected to the database of the RTO.

When a driver logs onto the website where these challans are listed, he/she can see the list of offenses and the fines that they need to pay for them. To make things better, you do not even need to visit a police station or an RTO office to pay your fines. You can pay your penalty through debit cards, net banking, etc. on the website itself.

Here is how you can check your e-challan status online:

• Log on to https://echallan.parivahan.gov.in/
• Go to the ‘Check Challan Status’ section.
• The new page that opens up next will require you to provide your vehicle number or driving license to check if your vehicle has any traffic violations listed against it.
• In the case your vehicle is not involved in any traffic violations, the website will show you a dialog box showing the words ‘Challan Not Found’.
• On the other hand, if you have committed traffic violations, you will see a row showing the list of all of them. It will show you the list of offences and the fine that has to be paid for them.

How to Pay Traffic Challan Online?

The simplest and most convenient way to pay for traffic e-challans is to do it online. To promote hassle-free processes, traffic authorities have introduced a designated website for traffic compliance that is easy to find and navigate. Moreover, your e-challan will have a unique number so there is no confusion in making your payment. You can use this number to find your e-challan and make the payment quickly.

When an e-challan is issued, you will get a notification on your registered email or phone number. Once you receive this e-challan, you will have 60 days to pay your fines. However, it is better to make the necessary payment as soon as possible. Failure to do so within the next 60 days means the traffic authorities will take legal action against you. These are the steps that you can follow to make the e-challan payment:

• Log on to the following link: https://echallan.parivahan.gov.in/index/accused-challan.
• Provide the necessary details like driving license number, challan number, etc. where the website requires you to.
• After you have entered the necessary details, you need to click on the ‘get detail’ option.
• You will see the e-challan status on your screen. Click on the ‘Pay now’ option to start your payment.
• The next step is to select a payment mode for your e-challan. The options available to you will be debit cards, credit cards, and net banking. Once you have selected an option and made the payment, you will receive a message on your registered mobile number confirming your payment.
• You also can use digital wallets like PayTm, PhonePe, GPay, etc., to pay your traffic e-challan.

If you are not familiar with doing things online, there is always the option to pay fines offline. This way of paying fines involves visiting your nearest traffic police station or RTO office and making your payment over the counter.

Why Should You Check Your E-Challan Status?

Simply put, the e-challan is a compulsory payment, and not making it means ignoring stringent traffic laws. Hence, as a penalty for breaking the law, you will have to face legal action from traffic authorities.

Upon missing your payment deadline, you will be sent a court summons at your registered address. At the court, you will have to explain to a judge why you made the traffic violations and why you have missed your e-challan payment. Based on your explanation, the judge gives a verdict.

In the rare case that drivers do not show up at court even after a summon, their driving license is suspended. This is why it is advisable to keep a check on your e-challan status.

FAQs on E Challan

1. When do I receive an e-challan?

An e-challan is an electronically generated challan for breaking traffic rules and regulations. Hence, if a traffic officer or personnel catches you breaking a traffic rule, you will receive an e-challan.

2. Can an issued traffic e-challan be cancelled?

Once a traffic e-challan is issued, you have to pay it within 60 days. An e-traffic challan cannot be cancelled.

3. What is the timeline for paying the traffic e-challan?

Once a traffic e-challan is issued, you have 60 days to make the payment online or offline.

4. Are all police officers authorized to collect the imposed traffic fine in the event of the incident?

 No, only the traffic police can create, assign, and collect traffic e-challans.

5. Can I pay the traffic challan through my bank’s net banking website?

While the net banking facility is available to vehicle owners for making traffic e-challan payments, you have to make the payment at the authorized website designated by traffic authorities.

6. How can I pay Challan online?

To pay traffic e-challan online, you can log on to https://echallan.parivahan.gov.in/index/accused-challan. Next, you have to provide the necessary details about your vehicle and yourself. These details include driving license number, challan number, etc. After entering these details, you have to select a payment mode and complete the transaction.

7. Who is authorized to collect/charge traffic fines in India?

Only the traffic police are authorized to charge or collect traffic e-challan fines.

8. What are the different modes of e-challan payment?

There are only two modes of e-challan payment. They are online and offline payments. Online payment includes making the payment through debit cards, credit cards, net banking, etc. Offline payment includes paying the fine at a traffic police station of an RTO office.

9. How many types of Challan are there?

Broadly, there are only two different types of challan: a regular traffic challan and an e-challan. These are further classified into numerous types based on various traffic offenses and the penalties associated with them.

Conclusion

These are just a few of the traffic challans that you can be liable to pay if you break traffic rules. For more information, you can check any authorized source of traffic information. All of this information is to help you familiarize yourself with traffic rules and regulations. Once you have done that, it will be easier to avoid breaking traffic rules and, in turn, not having to pay traffic e-challans. However, one of the most important points to remember out of all of these is that you should have good four-wheeler insurance.

Not only is it mandatory to have motor insurance in India, but having a good plan can also work wonders for you. By purchasing a comprehensive motor insurance policy, you can have benefits such as solid coverage, add-ons, cashless claims, etc. 

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

The Aadhaar card is one of the most important identity documents for Indians. It is critical for availing of the benefits of various government schemes. As part of attaching all other official identity documents with the Aadhaar card, the Central government has listed guidelines to link your Aadhaar card with your driving licence. It means two-wheeler and four-wheeler owners would now need to share their Aadhaar card details to obtain a new driving licence. Also, you must have your Aadhaar card attached to your driving licence for licence renewal purposes.

The UIDAI mandates Indian citizens to link their Aadhaar cards with their driving licence to curb the growing menace of duplicate and fake driver’s licences in the country. A report by the Ministry of Road Transport and Highways revealed that 30% of driver’s licences in India are fraudulent. They expect the new provision to overcome the problem of forged and counterfeit documents.

In addition to linking the Aadhaar card with the driving licence, vehicle owners must buy a robust motor insurance policy to safeguard themselves against road mishaps and related losses.

A detailed guide on how to link your Aadhaar card with your driving licence

State road transport departments issue driving licences to the residents of their respective states and union territories. To link your Aadhaar card with your driving licence, visit the website of your state transport department or that of the state where the driving licence was issued.

Remember, the process for linking an Aadhaar card with a driving licence may vary slightly from state to state. However, the need to have a valid bike and/or car insurance plan, depending on the vehicle(s) you own, is uniform across India.

To link your Aadhaar card with your driving licence, follow these steps:

1. Visit the relevant licence-issuing state road transport department website.
2. Search for the “Link Aadhaar” tab on the homepage of the given website and click on it.
3. It will take you to a new webpage. Find the “Aadhaar Number Entry" tab and click on it.
4. Select the “Driving Licence” tab from the drop-down menu.
5. When the system prompts, enter your licence number.
6. Click on the “Get Details" tab.
7. Your driving licence details would appear on the screen.
8. Now, enter your UIDAI-registered mobile number and 12-digit Aadhaar card number in the appropriate boxes.
9. Double-check entered details. Then, click the “Submit” tab.
10. The system will generate an OTP and send it to your registered mobile number for verification purposes.
11. Once the OTP is verified, your Aadhaar card will be linked with your driving licence on the official portal of the state transport department.

Benefits of linking the Aadhaar card with your driving licence

Some benefits of linking your Aadhaar card with your driving licence are:

• It will help in reducing corrupt practices, improve transparency, and make the licence-issuing process easy, smooth, and hassle-free.
• Government agencies can access the database containing licence details of all vehicle owners in India via the Aadhaar-based unified platform.
• Authorised agencies can identify fake driving licences from genuine ones through this drive.
• Transport authorities can sift out forged documents and take disciplinary action against individuals with multiple licences.
• The consolidated online database bearing details of automobile owners in India will dissuade people from renewing duplicate licences.
• Individuals can receive their driving licence within 72 hours after passing the driving test thanks to electronic processing.
• Linking the Aadhaar card with the driving licence will go a long way in reducing the number of road accidents since individuals cannot obtain a licence without clearing the driving test.
• Both individuals and government bodies can benefit from quicker and hassle-free operations.

Similar to the mandatory third-party motor insurance, the Ministry of Road Transport and Highways (MoRTH) has made 6 airbags mandatory in all cars starting October 2023. In the wake of the rising number of road accidents in India, Minister of Road Transport and Highways Nitin Gadkari said that all M1 category passenger vehicles must have 6 airbags to ensure the safety of the passengers.

Initially, the road transport ministry was set to make 6 airbags mandatory in all 8-seater passenger vehicles starting 1^st October 2022. However, it could not be implemented due to supply chain disruptions in the global automobile manufacturing sector.

In July 2019, the Government made it mandatory for all cars to have a driver airbag. Later, in January 2022, dual front bags were made compulsory to protect the driver and front seat passenger in the event of an accident.

The accidental death of Cyrus Mistry, the former Tata Sons Chairman, at Palghar in Maharashtra in September 2022 stirred raging debates over road safety measures in India.

What is the M1 Category of Vehicles?

The M1 category of vehicles refers to passenger vehicles equipped with up to 8 seats, including the driver’s seat. The M1 category of vehicles includes MUVs, SUVs, hatchbacks, and sedans.

The new rule prioritises the safety of all passengers travelling in cars notwithstanding the cost or the variant of the vehicle. Previously, Nitin Gadkari had urged car manufacturers to adopt safety norms for ensuring the safety of passengers, especially those using economy cars.

He had said that most automobile manufacturers in India export cars equipped with 6 airbags but are hesitant to sell them in India due to their high cost. He highlighted that not much thought is given to the safety of people driving economy cars in India.

If you are a car owner, think of your financial protection. Purchasing comprehensive car insurance is a step in that direction. It is a good strategy to compare various car insurance online and choose the plan that best suits your needs.

A Note About the Safety Mechanisms in Cars

Both airbags and seatbelts are part of the safety mechanism in cars. Seatbelts secure the seat occupants and prevent them from being thrown out by force. On the other side, airbags fitted into cars interfere between the driver and the hard surface on the front during the collision, reducing the possibility of serious injuries. An airbag is an inflated safety device designed to protect passengers during road accidents. However, an airbag alone is not enough. You must be wearing your seatbelt for the airbag to save you.

An airbag comprises a diagnostic monitoring unit, a steering wheel connector coil, an airbag module, an indicator lamp, and crash sensors. All these airbag constituents are integrated and powered by the car battery.

When abrupt decelerations are detected, the crash sensors start transmitting electrical signals, activating the initiator. As a result, there is a rapid chemical reaction, which leads to nitrogen emissions and bloating of the airbag immediately.

Because of this, a plastic module inflates to protect the passenger from hitting anything hard in the front due to the impact. After inflating for one-tenth of a second, the bag deflates in three-tenths of a second after the impact. Airbags contain a mixture of cornstarch and talcum powder and this mix gets released when the bag opens.