Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Health insurance just got 18% cheaper – no GST applicable!
 
  • RTO Form 8: Driving License Upgrade Guide

    by Almog Ramrajkar | Apr 04, 2025

    If you’re a driver in the country, it is necessary to adhere to specific rules and regulations. In India, RTOs (Regional Transport Offices) ensure vehicles and drivers comply with road rules.

    There are different forms that must be filled out by drivers, depending on their requirements. RTO Form 8 is one such application form and must be submitted when a driver wishes to add a new class of vehicle to their license.

    This guide will explain what Form 8 is, its purpose, and the process for obtaining and correctly filling it out. If you have recently purchased a vehicle and need to update your license, this blog serves as a quick and comprehensive guide to updating your driving license on time.

    Read on to learn more about RTO Form 8.

    What is RTO Form 8?

    Form 8, also known as the ‘Application for the Addition of a New Class of Vehicle to Driving License,’ is self-explanatory. In simple terms, it is used by existing license holders who need to add another category of vehicle to their license.

    As per the Motor Vehicles Act of 1988, an updated license is mandatory for driving on Indian roads.

    Some common vehicle categories according to the RTO include:

    • Two-wheelers, which include gear and non-gear vehicles
    • Four-wheelers, including light motor vehicles
    • Commercial vehicles that include heavy motor vehicles

    How to Fill Form 8?

    Form 8 can be divided into two sections: personal details and a certificate confirming the successful completion of the driving test, which is issued by the RTO.

    Here’s a detailed guide to filling out RTO Form 8:

    1. Fill in applicant details such as full name, address, date of birth, and contact number.
    2. Provide the existing driving license number and the name and address of the RTO that issued the license.
    3. Specify the details of the new category of vehicle.
    4. Mention the reason for adding the new class of vehicle.
    5. Provide a medical fitness certificate.
    6. Attach a Driving Training Certificate, details of driving school, and a certificate of completion (if applicable).
    7. Check all the documents that you are attaching against the list provided within the form.
    8. Provide a self-declaration confirming that all details are accurate and checked by you.
    9. The final section of the form is filled by an RTO official who provides the result of the driving test and attests that you have passed the test successfully.

    Though the RTO allows you to edit the form after submission, it is advisable to provide accurate details and double-check all the information to ensure that the process is quick and smooth.

    How to Download Form 8?

    To download Form 8, you need to visit the Parivahan Sewa portal, operated by the Ministry of Road Transport and Highways. Always download official documents from a government or other trusted sources only to avoid redundancies and errors found on unauthorized platforms.

    Follow these simple steps to download Form 8 easily:

    1. Go to the Parivahan Sewa portal.
    2. Find the form under the “Forms” or “Downloads” section.
    3. Download the form through the link.
    4. Electronically fill out the form or procure a hard copy to fill in your details.

    Documents Required for Form 8

    The list of documents you need to attach to Form 8 is provided in the form itself. Check each box and ensure that you include copies of these documents when submitting the form:

    1. Copy of the Existing Driving License
    2. Age and address proof issued by the government
    3. Medical Certificate or Form 1A attested by an authorised medical practitioner
    4. Driving Training Certificate
    5. Passport size photographs
    6. Payment receipt for the application fee

    Carry originals of these documents for verification if required, along with photocopies to be attached with the form.

    Conclusion

    RTO Form 8 is an essential document for enhancing your driving capacities formally. Whether you are a two-wheeler rider transitioning to a car or commercial vehicle, this is an indispensable step for you. Though it might seem like a simple formality, submitting Form 8 is essential to ensure that you are following the rules of Indian roads.

    The steps in this guide will help you easily download and fill out Form 8 and prepare all the necessary documents for a hassle-free submission. Make sure to update your car insurance policy or any other vehicle insurance to reflect the change in your driving capabilities, and get ready to enjoy this new phase of your road journey.



    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. 

  • RTO Form 26: How to download & fill

    by Almog Ramrajkar | Apr 04, 2025

    Updated on - 19 Jan 2026

    Vehicles in India must have a valid registration certificate (RC) as proof of ownership, which is essential for legal driving, insurance and resale purposes. Misplacing or damaging the RC can lead to complications, including fines or difficulties during vehicle inspections. To address this, the government allows owners to apply for a duplicate RC through a standard process at their local Regional Transport Office (RTO). This process requires submitting Form 26, which is the official application for a duplicate registration certificate.

    Knowing how to download and fill out Form 26 correctly avoids unnecessary delays and ensures a smooth process. Let’s take a closer look.

    What is RTO Form 26?

    RTO Form 26 is a legal document you need while applying for a duplicate registration certificate for your vehicle. It is required when you misplace or lose your original certificate. Since the RC serves as proof of ownership, having a valid copy is very important if you want to continue operating and driving your vehicle.

    The form asks for the main details like your name, address and vehicle information, which includes registration number, make, model and chassis number. You will also be asked to mention how you lost or damaged the original RC. If your vehicle is financed or on loan, the financier’s approval must be included before submission.

    Once completed, the form should be signed and submitted to your local RTO along with the required documents. Make sure to provide accurate information and cross-check it before submitting.

    How to fill Form 26?

    Filling out the RTO Form 26 involves a few simple steps, but you must be accurate and truthful with the information you provide in order to avoid any unnecessary complications or delays.

    • Owner’s details: Enter your full name as per your official records. Provide your complete residential address, including the PIN code. Put in your phone number and email address for correspondence.
    • Vehicle information: Enter the vehicle registration number as stated in the original RC. Mention the make and model of the vehicle, along with the chassis and engine numbers. These details can be found on the original RC or vehicle invoice.
    • Details of the loss or damage: Specify how the RC was lost, stolen or damaged. If it was lost, provide the approximate date and location. For stolen RCs, attach a copy of the FIR.
    • Financier’s consent (if applicable): If the vehicle is financed, obtain the financier's approval and signature on the form. This section is mandatory for vehicles under loan.
    • Declaration: Sign the form and mention the date in the designated section.
    • Supporting documents: Attach necessary documents like ID proof, a copy of the FIR (if applicable) and the original insurance papers.

    How to download Form 26?

    You can access RTO Form 26 online from the official Parivahan Sewa portal. Guided instructions are usually available at the Ministry of Road Transport and Highways (MoRTH) and your state’s transport department’s site.

    Go to the ‘Forms’ or ‘Downloads’ section and look for Form 26 in the list. The forms are often arranged by purpose, so you are most likely to find them under duplicate RC applications.

    Once located, download the PDF and print it on an A4-sized sheet. Make sure the printout is clear and concise, with all the sections being readable. The printed copy can then be filled, signed and submitted to your local RTO.

    Situations when Form 26 is required

    RTO Form 26 is required whenever your original Registration Certificate (RC) is missing or unusable. The most common reason people give is that the RC is lost or stolen. In this case, you’ll need to file an FIR and attach a copy with your application.

    It’s also required in case your RC gets damaged due to wear and tear, water exposure or physical tearing that makes it unreadable. Even if only part of the document is affected, the RTO will issue a duplicate once you submit the form and proof of damage.

    In some cases, Form 26 is also needed when applying for a re-registered vehicle that has been transferred from another state and the old RC is unavailable. Submitting the form makes sure your vehicle records are updated in the RTO system.

    Things to consider before applying for a duplicate RC form

    Before applying for a duplicate RC, make sure you have completed a few important steps in order to avoid rejection or any delay. If your RC was stolen, file an FIR at your nearest police station and attach a copy to your application. This will serve as the legal proof of your loss.

    Always check that there are no pending fines, charges, challans or road taxes linked to your vehicle. The RTO will not process your application until all dues are cleared.

    If your vehicle is under a loan, get written consent from the financier before submitting the form. Their signature is mandatory.

    Lastly, gather all supporting documents and submit the form on time to avoid additional fines.

    Documents to attach along with Form 26

    When applying for a duplicate RC, you’ll need to attach a few documents along with RTO Form 26. These help verify your ownership and the reason for the duplicate request:

    • A valid ID proof, such as your Aadhaar card, PAN card, passport or driver’s license, is a must in order to establish your identity.
    • You’ll also need to submit an address proof, like a recent utility bill, rental agreement or voter ID, to confirm your residential details.
    • Include a copy of your vehicle insurance papers, as they serve as proof that the vehicle is insured and actively registered.
    • If your RC was lost or stolen, attach a copy of the FIR filed at your local police station.
    • Lastly, include recent passport-sized photographs of the registered owner on the form.

    Ensuring all these documents are complete and accurate helps the RTO verify your request quickly and issue the duplicate RC without delay.

    Common mistakes to avoid with Form 26

    Be vigilant and cross-check everything before submitting Form 26. Silly or small mistakes can lead to rejections and delays.

    Incomplete or incorrect information is one of the main issues, so make sure that every field in the form is filled out accurately.

    Another frequent mistake is missing documents. Do not forget to attach a copy of an FIR if your original RC was stolen, and always include the financier’s consent if it is applicable.

    Applicants also often skip the financier’s approval when the vehicle is under a loan. Without this, the RTO will not process the request. Additionally, pay all pending fines or road taxes, as the RTO won’t issue a duplicate RC if dues remain unpaid.

    Avoid using unofficial websites or agents to download or submit Form 26. Always apply through the Parivahan Sewa portal or your state transport department’s website to ensure authenticity and prevent scams.

    Conclusion

    Applying for a duplicate RC using RTO Form 26 is a simple process as long as you follow the right steps and provide accurate details. Keeping all supporting documents ready and getting the financier’s approval (if relevant) can make the process smooth and hassle-free.

    It’s also a good time to review your car insurance details. Since your RC is linked to your policy, keeping both updated ensures there are no issues with claims or renewals. Whether it’s a comprehensive plan or a third-party car insurance, an active policy protects you from legal and financial troubles while driving. To get tailored car insurance advice, fill out the form on this page.

    FAQs

    1. Can I apply for a duplicate RC if my vehicle loan is still active?

    Yes, you can, but you’ll need written consent from your financier before submitting Form 26. Without their approval, the RTO will not issue a duplicate RC for a financed vehicle.

    2. Is it possible to get a duplicate RC if I’ve lost both the RC card and the vehicle’s registration number?

    Yes, but it’s a bit more complex. You’ll need to provide the vehicle’s chassis number (found on the engine or frame) and proof of ownership, such as your insurance papers or purchase invoice, to help the RTO trace your registration details.

    3. Can I use a digital copy of my RC while waiting for the duplicate?

    Yes. You can use the DigiLocker or mParivahan app to store and present your RC digitally. These digital copies are legally valid under the Motor Vehicles Act until your duplicate RC is issued.


    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.

  • RTO Form 21: How to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    RTO Form 21 is a crucial document in the vehicle registration process in India. Provided by the Regional Transport Office (RTO), this form serves as a vital part of the legal paperwork for cars, buses, trucks, and bikes, and is also involved in later taxation procedures. Acting as a 'Sale Certificate,' it bears the name of the motor vehicle owner. Understanding how to download, complete, and submit this form is an essential legal requirement for vehicle owners.

    What Is RTO Form 21?

    RTO Form 21 legal document to be issued by manufacturer or dealer or registered E-rickshaw or E-cart Association (in case of E-rickshaw or E-cart) or officer of Defence Department (in case of military auctioned vehicles) for presentation along with the application for registration of a motor vehicle. 

    Along with the invoice, the RTO Form 21 proves that the entire payment on the vehicle has been made, and it now belongs to the new owner. As is evident, the form helps maintain a legal record of every vehicle in the country.

    RTO Form 21 is also called “Sale Certificate” and is a crucial document, alongside other government forms, address proof, etc., used to confirm the registration of a new vehicle in India. It shows that the new vehicle meets the requirements set by the Motor Vehicles Act. Not filling up the form appropriately or on time invites legal penalties.

    For the buyer, RTO Form 21 serves as proof of ownership when applying for services like car insurance or vehicle loans. A significant advantage of this document is that it helps prevent fraudulent or suspicious activities related to the vehicle’s purchase by clearly outlining all transaction details.

    How to Fill Form 21?

    RTO Form 21 must be filled in with important details of the seller, owner, and vehicle details. Details must be noted down accurately, not just so you can avoid legal trouble but also to prevent unnecessary delays or administrative hurdles in registering the vehicle. If you are unsure about certain details, consider calling or visiting your local RTO for assistance.

    Read all fields carefully and fill out the RTO Form 21 step by step:

    • Vehicle and buyer particulars: The form begins with details such as the vehicle brand, followed by the new owner's personal information, including their name, address, and other relevant contact details.
    • Detailed section on the Vehicle: The section includes details of the vehicle, such as its model, make, engine number, chassis number, colour, and more. It is important to ensure that these details match exactly with what the seller has provided in the documentation. For transport vehicles, axle details are also crucial and should be accurately listed.
    • Signatures: At the end of the form, the dealer, manufacturer, or an official from the auto association signs. This signature validates the information provided above and confirms the buyer's intent to comply with the vehicle ownership transfer or registration process.
    • Review before submission: Double-check all the details entered in the form before submitting it to the RTO. Small errors could lead to delays or complications during the registration process.

    How to Download Form 21?

    Downloading RTO Form 21 has become much easier with the help of online services. Most RTOs now offer the option to download the form directly from their official websites, so you don't always have to visit the centre in person to collect it.

    • Official domain of the Ministry of Road Transport & Highways: One can easily download the form from the Parivahan Sewa website.
    • RTO websites: Go to the official website of your state’s respective RTO; most state RTOs have a dedicated portal where all registration-related forms are available together for download.
    • Find and select the relevant document: Search for "RTO Form 21" in the list of forms, and you'll be able to download the PDF within seconds. Save it securely to your device for easy printing and filling.
    • Print the Form: After downloading the form, print it on A4 paper to ensure it is easy to read. Fill it out and submit the form to your local RTO. If needed, the relevant officials will assist you with the submission process. As an alternative, you can fill out the form online and register on the Parivahan Sewa website.

    Documents Required for Form 21

    When submitting RTO Form 21, you need to attach certain essential documents:

    • Address proof: Self-attested copies of a government-approved document (like an Aadhar card, utility bill, or property tax receipt) to verify your address.
    • Identity proof: A government-issued photo ID like an Aadhar card or voter ID.
    • PAN Card: Your PAN card is important in all matters of financial transaction.
    • Recent passport-size pictures: Carry 2-4 self-attested copies of your latest passport photos
    • Approved loan application: This is required only if applicable, i.e., if you have taken a loan for the purchase of the vehicle.

    Conclusion

    RTO Form 21 is a crucial part of any vehicle sale and official vehicle registration process in India. Understanding how to download, fill, and submit the form with the right documentation ensures a smooth and hassle-free experience with the RTO. The form eliminates the potential for legal hassles in your transactions and keeps your vehicle safe from unlawful transactions.

    If you have bought a new car, it is always recommended to explore a car insurance policy that suits your needs. A good car insurance policy not only provides financial protection in the event of accidents or theft but also ensures peace of mind while driving, allowing you to enjoy your vehicle for longer.


     

    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.

  • RTO Form 60: How to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    Form 60 is an important document used by the Income Tax Department to record specific transactions, including sales and purchases, by individuals who do not have a PAN card. The PAN or Permanent Account Number is used to identify taxpayers and help the government keep a check on tax payments and financial transactions. In the absence of a PAN, or if an individual has applied for a PAN but has not yet received it, Form 60 acts as a substitute.

    In this blog, we will look at some important questions about Form 60 - how to fill it, where to download, and the documents required to verify and submit it successfully. If you are planning a vehicle-related transaction without a PAN card, this guide will help you navigate the formalities using RTO Form 60.

    What is RTO Form 60?

    Form 60 is a legal document the Income Tax Department provides for individuals engaging in vehicle-related transactions without a PAN card. Although PAN is a mandatory financial identification in India, individuals without one can use Form 60 as a substitute document. According to Rule 114B of the Income Tax Rules, 1962, certain transactions can be done without a PAN card, given the submission of a duly filled Form 60.

    Form 60 is allowed for these transactions-

    • Sale or purchase of a vehicle
    • Ownership transfer of a vehicle
    • Registering a new vehicle
    • Financial transactions beyond the limit set by the Income Tax Act

    Besides vehicle-related transactions, Form 60 is also used to open a Demat account, buy or sell immovable property, open a fixed deposit, apply for a debit or credit card, and pay for mutual funds or life insurance premiums. Additionally, if you plan to apply for car insurance online without a PAN card, check with the insurance provider to confirm if Form 60 can be used.

    Form 60 is meant for individual transactions and cannot be used by companies or organisations. In case you do not have a PAN card or have not applied for one yet, you must fill and submit Form 60 to ensure compliance with tax regulations for vehicle-related transactions.

    How to Download Form 60?

    To download RTO Form 60, go to the official website of the Income Tax Department.

    1. Find Form 60: Go to the “forms” or “downloads” section, or search for the form using the search bar.
    2. Download the Form: Use the download link to save the form as a PDF.
    3. Print the Form: Print of the form for filling and submission.

    How to Fill Form 60?

    To fill and submit Form 60 successfully, follow these simple steps:

    1. Download the Form: Get the form from the official website of the Income Tax Department.
    2. Fill Personal Details: Provide information such as full name, address, and date of birth.
    3. Transaction Details: Fill in the nature of the transaction (purchase, sale, or registration) and the monetary value involved.
    4. Declaration: State the reason for not possessing a PAN card and provide documents such as Adhaar or Passport for verification. If you have applied for a PAN card, give the application number in the space on the form.
    5. Check The Document List: At the end, you will find a list of documents to be attached to Form 60. Put a “check” mark next to all the documents you have provided with the form.
    6. Signature: Sign the form in the designated place.

    If the form is being filled out for a minor, documents such as identity and address proof of the parents must be verified and attached.

    Documents Required for Form 60

    When you submit RTO Form 60, a few supporting documents need to be attached to the form for verification and validation of the transaction. These documents are:

    1. Identity Proof: Adhaar card, passport, and voter ID
    2. Proof of Residence: Address proof includes utility bills, rent or lease agreement, and a bank statement or passbook with the current address
    3. Transaction Proof: The invoice or receipt for the sale of the vehicle or the agreement for the transfer of ownership
    4. Photograph: Passport-size photos of the applicant
    5. Address details: The address where you have filed your income tax return needs to be provided

    To ensure a smooth process, self-attest all the documents before submitting the form and carry the original documents for verification.

    Conclusion

    Form 60 is an essential tool that enables people without a PAN card to complete essential vehicle-related transactions smoothly. Go through the list of documents and ensure you possess both the originals and copies for smooth verification of the form. Always provide correct details, as making a false declaration in Form 60 could result in legal consequences, such as fines and imprisonment. This guide offers a hassle-free approach to obtaining and filling out Form 60 so that you can complete the sale or purchase of a vehicle while complying with the necessary income tax rules. 


     

    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.

  • RTO Form 18: How to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    The Regional Transport Office (RTO) in India is responsible for regulating vehicles and vehicle owners. One of the many important procedures mandated by the RTO is Form 18, which is required when moving a vehicle from one state to another within India. The process of downloading, filling out, and getting RTO Form 18 verified is straightforward, but it can seem tricky if you're not familiar with some crucial details. This form helps in ensuring that the vehicle is properly registered and meets the necessary standards for inter-state transportation. This blog will explain the process of downloading, filling out, and submitting Form 18, an essential document for any vehicle under Indian road regulations. By understanding the steps, you can ensure smooth processing and avoid delays.

    Read on to learn more about Form 18.

    What is RTO Form 18?

    RTO Form 18 is an official document used to reassign or change the registration of a vehicle when it is transferred from one Indian state to another. It serves as a declaration that the vehicle's registration details have been updated by the owner and that the original RTO is aware of the transfer. Additionally, it registers the vehicle with the authorities of the new state.

    Key Points about RTO Form 18

    1. The Motor Vehicles Act mandates Form 18 for transferring the registration of a vehicle between states.
    2. It is compulsory to fill out RTO Form 18 to get an NOC or No Objection Certificate from the original RTO, which needs to be verified for transferring the vehicle across state borders.
    3. The form includes important details such as the vehicle’s registration number, engine and chassis number, and the details of the applicant/owner of the vehicle.

    How to Fill RTO Form 18?

    The process of filling out Form 18 is quite simple once you have gathered all the necessary information and documents. Here’s an easy guide to completing and submitting Form 18:

    1. Fill in your personal details such as name, current address, and previous address with state and PIN code.
    2. Fill in the registration details, vehicle make and model and type of vehicle.
    3. State the reason behind the transfer of the vehicle between states. Ensure you give a clear and valid reason.
    4. Sign the form and confirm that the information is complete and true.

    Tips for Accuracy

    • Double-check details such as numbers and spelling of names.
    • Use capital letters for alphabetic entries.
    • Do not overwrite or use a whitener for correction.

    How to Download RTO Form 18?

    Form 18 can be easily obtained from the official website of the transportation ministry, ensuring a convenient and accessible process for vehicle owners. Here’s a step-by-step guide:

    1. Visit the official website of the Ministry of Road Transport and Highways
    2. Go to the “Forms” section under “Download.”
    3. Search for Form 18
    4. Click on the appropriate option and download the form
    5. Save the soft copy of Form 18 and take a printout to fill in the details and complete the necessary formalities.

    Documents Required for RTO Form 18

    When submitting RTO Form 18, you need to attach certain documents and their copies. These are required to verify your details, check your background, and ensure that everything is completed according to the proper procedure.

    Given below is a list of all the mandatory and optional documents you need for submitting Form 18:

    Mandatory Documents

    1. The Original Registration Certificate or RC for the vehicle
    2. The Insurance Certificate for the vehicle
    3. The Pollution Under Control (PUC) Papers
    4. Identity Proof (An original document)
    5. Address Proof
    6. The Receipt of Road Tax Payment
    7. NOC or No Objection Certificate from the original RTO

    Optional Documents

    Some RTOs and states require a few additional documents, such as:

    1. Affidavit declaration of the reason behind transferring the vehicle
    2. Passport-size photo of the applicant

    Conclusion

    If you are planning to transfer from one state to another in India, you will need to ensure that your vehicle moves with you. Form 18 is an important document that formally records the re-registration of the vehicle under the new RTO and its transfer from the original RTO.

    To fill out Form 18, certain documents are required by law, such as policy documents. It's important to get car insurance online and always keep documents like the RC and PUC up to date to avoid any hassle when completing official processes related to your vehicle, such as filling out RTO Form 18.

    Whether you are moving for a job or personal reasons, make sure to comply with the rules of the road so you have one less thing to worry about. An appropriate car insurance policy can also help keep your vehicle in pristine condition, ensuring hassle-free legal compliance. It also provides financial coverage in the event of an accident or other damage.


     

    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.  

  • RTO Form 31: How to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    Indian RTOs play a crucial role in managing vehicle registration, ownership, transfer, and compliance assurance.

    One of the most important documents that ensures road safety compliance is RTO form 31, used to transfer the ownership of a vehicle when the previous owner passes away. While the process of obtaining and filling out Form 31 is quite simple, it may seem complicated if you are not familiar with all the steps. In this blog, we will explain what Form 31 is, the correct process for filling and submitting it, and the documents you need to complete the form. This will ensure that the process is hassle-free for you.

    What is RTO Form 31?

    RTO form 31 is a legal document used to transfer the ownership of a vehicle in case of the registered owner’s death. This form ensures that the right nominee gets timely ownership of the vehicle. Filling out Form 31 is mandatory under traffic and road laws. Submitting it on time provides the new owner the lawful right to the vehicle, which is essential for completing other vehicle-related formalities, such as re-registration and applying for a car insurance policy.

    As per the Motor Vehicles Act, vehicle ownership cannot be transferred officially without proper documents and due procedure. RTO Form 31 facilitates this transfer legally and ensures that the new owner does not face any issues due to non-compliance.

    Some of the important details you need to provide while filling out Form 31 are:

    • Personal Details: Information of the person nominated as the new owner  
    • Vehicle Information: Details such as the vehicle’s registration number and model
    • Details of Ownership Transfer: Personal details of the previous and new owners
    • Declaration Documents: Proof of nomination from the deceased owner and documentation for the transfer of ownership

    How to Fill Form 31?

    The process of filling out Form 31 is simple. You can follow the steps below to complete the form successfully:

    1. At the top of the document, provide the details of the RTO office and the registration number of the vehicle.
    2. Enter application details, such as full name, address, and relationship with the original owner.
    3. Fill in vehicle information, including registration number, model details, engine number, and chassis number, in the designated space.
    4. Provide the nominee information as specified in Form 1.
    5. Sign the form to declare that the details you have provided are correct.
    6. Submit the form to the RTO for verification and wait for approval to complete the process.

    How to Download Form 31?

    You can easily download Form 31 from the official website of the Regional Transport Office. Follow the steps below:

    1. Visit RTO’s official website.
    2. Go to the “Forms” or “Download” section, usually under the “Services” menu.
    3. From the dropdown list, find Form 31.
    4. Download and save the form as a PDF document.
    5. Print the form for submission after filling it out.
    6. Make sure that you download the form from an official website to avoid any issues during submission.

    Documents Required for Form 31

    You need to attach and verify certain documents along with RTO Form 31. Below is the list of required documents:

    • Death certificate of the deceased, original owner
    • Registration Certificate (RC) of the vehicle
    • Car insurance policy documents
    • Pollution Under Control (PUC) Certificate
    • Proof of address for the applicant
    • Identity proof of the applicant

    If there is more than one heir, a No Objection Certificate (NOC) is required from the other heirs of the deceased.
    Moreover, a declaration from the previous owner naming the applicant as the new owner or nominee for the vehicle is necessary.

    Conclusion

    RTO Form 31 is an important document required for transferring ownership of the vehicle after the death of the registered owner. Correctly filling out the form with accurate personal details, verifying original documents, attaching copies of the required documents, and submitting the form on time are essential steps to ensure a seamless (and legal) ownership transfer process.

    Although it may seem like a minor task, officially transferring and registering the vehicle to the new owner is a crucial step. This simple formality ensures that the new owner can fully benefit from claims under their car insurance policy and avoid penalties for non-compliance. By taking proactive steps in a timely manner, you save valuable time and resources while protecting your interests.

    With Form 31, it is prudent to acquire a comprehensive car insurance policy that can financially protect you and your vehicle in the event of accident, loss or damage.


     

    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.  

  • RTO Form 46: How to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    The interstate traffic in India is controlled through several documents by the RTO (Regional Transport Office) to ensure vehicle owners comply with all rules and regulations. Among the many vital documents that check and smoothen the flow of traffic is the RTO Form 46. If you are planning to move your vehicle to another state for a short period, Form 46 is the document that verifies and facilitates this journey hassle-free.

    In this blog, we will explore the importance of RTO Form 46 and explain the process of downloading and submitting this important document.

    What is RTO Form 46?

    Form 46 is an official document that a vehicle owner needs for an all-India permit. It allows them to temporarily move their vehicle from its registered state to another state. According to the Motor Vehicles Act 1989, Rules 86 and 87, a national permit allowing vehicles to move between states is given for at least four Indian states. Form 46 is one of the formalities the vehicle owner must complete to get a national permit necessary for the smooth transit of personal and goods vehicles.

    It is usually submitted with Form 28, also called the “Application for Grant of No Objection Certificate." The form officially verifies that the vehicle has no pending dues, legal fees, or penalties, giving the owner a green flag to transfer it to another state.

    In addition to Form 46, to successfully obtain a national or All India Tourist Permit (AITP), your vehicle should not be older than 12 years (in the case of a goods vehicle) or more than 15 years old (for multi-axel vehicles). A bus applying for an India permit must be painted white with a 5 cm blue ribbon in the centre of the exterior body. If the vehicle is a car, it must have “Tourist” printed on both sides.

    How To Fill Form 46?

    To fill out Form 46, you must get a copy of the document from the Parivahan portal, the official website of the Ministry of Road Transport and Highways.

    The process of filling out RTO Form 46 is simple and can be completed by following this guide:

    1. Get a copy of Form 46 from the online portal or nearby RTO.
    2. Fill in the details—full name, address, and state you are travelling with the vehicle.
    3. Provide information on the car, such as the registration number, type of vehicle, and its model.
    4. Declare and sign it to verify that the vehicle has no pending penalties or dues and is not involved in any ongoing cases of theft or fraud.
    5. Attach all the necessary documents with the form.

    Consult the authorities if you have a question related to the process. Make sure that your vehicle complies with all the other requirements for obtaining an All-India permit.

    How To Download Form 46?

    To download Form 46, go to the government's online portal dedicated to such services.

    1. Visit the Parivahan Sewa website.
    2. Find the “Forms” section on the portal under “Information Services.”
    3. Select Form 46 from the list provided.
    4. Download the form and print it.

    Documents Required for Form 46

    Documents attached with RTO Form 46 verify the vehicle's ownership and the reason for taking it to another state. These documents include:

    1. The Registration Certificate or RC for the vehicle.
    2. The car insurance policy or insurance documents for the type of vehicle you own.
    3. The Pollution Under Control Certificate, or PUC, proves the vehicle follows environmental norms.
    4. The Identity Proof of the owner, such as Aadhar, PAN, or any other official ID.
    5. Address proof, including a temporary proof of residence for the new state you are moving to.
    6. Receipt to prove road tax payment in the original state.
    7. Form 28 duly filled.
    8. A clearance certificate verifying that no dues are pending in the registered state.

    Get copies of these documents and carry the originals with you during the verification process. It is always recommended to keep these essential documents updated to save time.

    Conclusion

    RTO Form 46 is used to issue an All-India Tourist Permit for a vehicle, which simplifies the temporary transfer of vehicles from one Indian state to another. The Motor Vehicles Act mandates it, which is crucial if you plan to move to another state with your vehicle. In this blog, we have explained the use and process of downloading and filling out Form 46. By following these simple steps, you can have the crucial papers in order and make sure you relocate to another state without any unnecessary delays.



    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.  

  • RTO Form 32: Steps to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    When buying or selling a vehicle in the country, specific formalities must be carried out through the RTO (Regional Transport Office).

    To ensure that the sale and purchase are done legally and in compliance with the rules of the transport department, documents such as RTO Form 32 are required. This form is necessary when a vehicle is purchased through a government auction. For those who have bought a vehicle at a government-organised auction, Form 32 is a crucial step, as it grants them full rights to their newly acquired car.

    Without this form, the transaction remains incomplete and the buyer may not be able to register the vehicle in their name. In this blog, we will explore the use of Form 32, its significance, and the process of downloading and filling it out, ensuring that you can complete the necessary procedures without any complications.

    What is RTO Form 32?

    Form 32 is a document used by the RTO to officially transfer the ownership of a vehicle purchased at a public auction conducted by the government. Under the Motor Vehicles Act of 1988, it is necessary to record and verify any change in vehicle ownership. Form 32 serves as an official document confirming the transfer of the vehicle and all its responsibilities from the previous owner to the new buyer. Once the sale is completed during the auction, the buyer is recorded as the new owner of the vehicle, replacing the previous holder. To formalise this change in ownership, Form 22 is used.

    How To Fill Form 32?

    Form 32 can be easily acquired from the online portal of RTO, Parivahan. Once you have the printout of the form, follow these steps to fill and submit it successfully:

    1. Download the form or get it from your nearest RTO.
    2. Fill in the details of the previous owner along with the registration number and other details of the vehicle.
    3. Provide the personal details of the new owner or buyer.
    4. State the reason for the change in ownership of the vehicle.
    5. Add details of the auction in case the vehicle is purchased from a public sale.
    6. Verify the form along with the documents attached.

    How To Download Form 32?

    Downloading RTO Form 32 is very straightforward. It can be done through the online portal of the Ministry of Road Transport and Highways. Follow the steps below:

    1. Go to the Parivahan portal of the ministry.
    2. Find the “Downloads” or “Forms” section under the “Information Services.”
    3. Search for Form 32.
    4. Click on download and save the form as a PDF.
    5. Print the form for further processing.

    Ensure that you download the form from the Parivahan portal or website of your state’s transport department only. Do not use unauthorised sources, as they may generate faulty or incomplete forms that can be rejected by the authorities during verification. This will waste a lot of time and money.

    Documents Required for Form 32

    A number of official documents and their copies are required for the verification and submission of Form 32-

    1. The Registration Certificate of the Vehicle
    2. The documents of the car insurance policy (or insurance papers of the vehicle involved)
    3. The Pollution Under Control or PUC Certificate
    4. The proof of inheritance or auction certificate or receipt of sale
    5. A declaration to verify the claims of the new owner
    6. The ID Proof of the Owner
    7. Proof of Residence
    8. Tax Receipts for Road Tax
    9. Photographs (two passport-size photos of the new owner)

    Read all the details carefully and verify the documents before visiting the RTO to submit the form. This makes the form error-free and ensures that the process is completed smoothly.

    Conclusion

    When the buyer obtains a vehicle during an auction done by the government or transport authorities, Form 22 is used to officially change the ownership and transfer all the legal and financial obligations. This is important for legally transferring the rights and liabilities of the vehicle and updating its ownership in RTO records to ensure compliance. If you have purchased a vehicle in an auction, it is important to formally transfer it under your name, complete its registration, and obtain other vehicle-related essentials such as a car insurance policy. 

    By familiarising yourself with the process and documents required to fill out Form 32, mentioned in this blog, you can easily complete the formalities and ensure that you legally enjoy the rights of your new vehicle.

    In addition to undertaking legal obligations, it is prudent to acquire a comprehensive car insurance policy to protect your new investment and ensure longevity. You shall also receive financial cover in the event of accident or other damage.


     

    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. 

  • RTO Form 16: Steps to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    In India, the Regional Transport Office (RTO) plays a significant role in ensuring vehicle regulations are adhered to. One of the essential documents that businesses, such as automobile dealers, manufacturers, or vehicle leasing companies, need to apply for is a Trade Certificate. This certificate exempts vehicles used for testing, transportation, or demonstrations from being individually registered. The document that is needed to apply for or renew this certificate is RTO Form 16.

    Understanding how to access and complete RTO Form 16 helps simplify operations and ensure compliance with legal requirements. This guide covers the purpose of the form, the steps to complete it, and the essential documents needed for a successful application.

    What is RTO Form 16?

    RTO Form 16 is officially titled "Form of Application for Grant or Renewal of Trade Certificate." It is specifically designed for automobile dealers, manufacturers, and other stakeholders involved in vehicle-related activities. The Trade Certificate issued via this form permits businesses to legally operate vehicles for testing, demonstrations, or transportation without requiring individual registration.

    This certificate is particularly valuable for manufacturers and dealers who handle a large volume of vehicles. It reduces the administrative burden of registering each vehicle before it is sold. However, it is essential to note that a Trade Certificate is only valid for designated purposes and should not be used for personal or unrelated business activities. Not following these rules can result in penalties.

    How To Fill Form 16?

    Filling out RTO Form 16 is a systematic process that requires accuracy and attention to detail. Below is a step-by-step guide:

    1. Address the Authority

    Begin by addressing the form to the appropriate Regional Transport Office (RTO) where you intend to apply. This ensures the correct authority processes the form.

    1. Applicant Details

    Fill in the applicant’s basic details, including:

    • Name: Enter your full name as per your identification documents.
    • Parentage: Mention the name of your father or husband, depending on the form’s requirements.
    • Address: Provide your complete residential or business address. Ensure the address matches the one on your submitted address proof.
    1. Business Classification

    Specify the type of business you are engaged in. This could be one of the following:

    • Manufacturer of motor vehicles.
    • Dealer of motor vehicles or ancillary parts.
    • Vehicle testing agency (as defined under Rule 126).
    • Approved vehicle repairer.
    • Provider of hire-purchase, lease, or hypothecation services for vehicles.
    1. Number of Trade Certificates Required

    Indicate the number of Trade Certificates you need. This will depend on the volume and types of vehicles you handle.

    1. Class of Motor Vehicles

    Specify the class or type of vehicles for which the Trade Certificate is requested. Examples include motorcycles, cars, or heavy commercial vehicles.

    1. Fee Payment Details

    Mention the total fee paid for the application, calculated based on the number of certificates required and the vehicle types. Attach proof of payment, such as a receipt or challan.

    1. Renewal Information (If Applicable)

    If you are applying for the renewal of an existing Trade Certificate, provide the following details:

    • Certificate number.
    • Date of issue.
    • The expiry date of the existing certificate.
    1. Declaration

    Complete the form with a declaration section where you affirm the accuracy of the information provided. Add the date, place, and signature at the end of the form.

    Ensure that all details are accurate and supported by valid documents to avoid delays or rejections during the verification process.

    How To Download Form 16?

    Downloading an RTO Form 16 is a straightforward process. Here’s how you can download it:

    1. Visit the Official Portal

    Go to the official website of the Ministry of Road Transport and Highways (MoRTH) at https://parivahan.gov.in/.

    1. Navigate to Downloadable Forms

    • On the homepage, click on the “Informational Services” tab.
    • From the dropdown menu, select “Downloadable Forms.”
    • Click on “All Forms” to access a comprehensive list of RTO-related forms.
    1. Find Form 16

    Scroll through the list of forms to locate “Form 16.” Click on the link to download the PDF version of the form.

    Alternatively, you can download the form directly from this link.

    Once downloaded, print the form and fill it out as per the instructions.

    Documents Required for Form 16

    Submitting Form 16 requires attaching specific supporting documents. Here is a list of commonly required documents:

    1. Identity Proof

    Provide valid ID proof such as a PAN card, Aadhaar card, passport, or driving license.

    1. Address Proof

    Attach a proof of address document such as a utility bill, rental agreement, or Aadhaar card.

    1. Business Proof

    Include documents that validate your business, such as a trade license, GST registration certificate, or certificate of incorporation.

    1. Existing Trade Certificate

    If you are renewing a Trade Certificate, attach a copy of the current certificate and its details.

    1. Fee Payment Receipt

    Attach proof of payment for the application fee.

    Ensure all documents are current and accurately reflect the information provided in the form.

    Conclusion

    RTO Form 16 simplifies operations for automobile businesses by avoiding separate vehicle registrations. For companies involved in vehicle sales or leasing, understanding the link between RTO Form 16 and car insurance compliance is essential, as proper documentation often includes ensuring vehicles have valid insurance coverage.

    Ensuring all documents are accurate, fully prepared, and updated can help prevent delays or any issues during the application process. Every step, from specifying the vehicle category to submitting appropriate business documentation, is critical for the successful approval or renewal of a Trade Certificate.

    For more information, including guidance on vehicle compliance and car insurance requirements, visit the official Parivahan website or contact your local RTO office for personalised assistance.



    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. 

  • RTO Form 29: Steps to Download & Fill

    by Almog Ramrajkar | Apr 04, 2025

    Buying a pre-owned car can be a wise, cost-effective decision when you want to bring home a vehicle without stretching your finances. For sellers, selling an old car at a reasonable price allows them to recoup part of their investment.

    However, selling a pre-owned car is rarely a quick affair. It involves a lot of legalities and formalities, particularly in transferring ownership of the car. This is where the RTO Form 29 becomes essential.

    This article explores what RTO Form 29 is and everything you need to know before engaging in any pre-owned car transaction.

    What is RTO Form 29?

    RTO Form 29 is a mandatory document issued by the Regional Transport Office (RTO). Officially known as the "Application for Transfer of Ownership of a Motor Vehicle", it serves as a formal notification to the RTO indicating that a particular vehicle is changing ownership.

    Thus, an RTO Form 29 allows the RTO authorities to make a note of the sale and update their legal records accordingly. It confirms that the vehicle owner and seller have all the right documentation in place to make the change of vehicle ownership happen.

    Why is RTO Form 29 Important?

    Submitting RTO Form 29 is crucial for the ownership transfer to be legally recognised under Indian law. Failure to submit this form can lead to legal complications and penalties for both buyer and seller.

    Upon successful transfer, the new owner becomes responsible for the vehicle’s insurance and road tax obligations. The RTO will then issue a new Registration Certificate (RC) in the buyer’s name, reflecting the change in ownership.

    How to Fill Form 29

    Contrary to the popular belief that a change of car ownership is complicated, obtaining and filling out the RTO Form 29 is relatively easy. Follow these simple steps:

    1. Get the Form
    • Online: You can download the form from the Parivahan website or the state RTO website.
    • Offline: Visit the relevant RTO office to collect the form, fill out and submit it in person.
    1. Complete the Form Accurately
    • Provide the personal information of both the seller and the buyer.
    • Include accurate vehicle details such as make, model, registration number, engine number, and chassis number.
    • Specify the date of sale and the sale price of the vehicle.
    • If required, fill in any other relevant information as required by the form.
    1. Submit the Form
    • Submit the filled-out form along with all the supporting documents, either to the concerned RTO office or online.
    1. Necessary Documents

    Apart from filling in the RTO Form 29, you will also have to submit other necessary documents such as identity proofs, vehicle documentation certificates, etc. Here is a list of required documents:

    • The original RC of the vehicle.
    • A valid PUC certificate is mandatory.
    • A valid car insurance policy.
    • A valid driver's licence of the new owner.
    • If the vehicle is being transferred from another state, an NOC from the previous owner's RTO is required. This is known as the RTO Form 28.
    • Proof of residence of the new owner (e.g., Aadhaar Card, Voter ID, Passport).
    • A legally binding sale deed or agreement detailing the sale of the vehicle.
    1. Pay Applicable Fees

    After submitting the form, you will need to pay any applicable fees for the vehicle transfer. This can be done either at the RTO office or via an online payment platform. Note that this fee may vary from state to state.

    How to Download RTO Form 29

    Downloading RTO Form 29 is simple:

    1.   Visit the Parivahan website – parivahan.gov.in
    2. Locate and click on the “Informational Services” tab. 
    3.   Navigate to “Downloadable Forms” and select “All Forms”.
    4. Find and download Form 29 from the list, saving it as a PDF on your system. 

    Conclusion

    The importance of RTO Form 29 in the sale or purchase of a vehicle and the transfer of ownership is undeniable. It is one of the many forms required to prove the legality of the transaction and confirm that no pending dues or penalties prevent the sale.

    To ensure a seamless transfer of ownership, verify that all details on the form are accurate and error-free. Retain copies of all submitted documents for your records. If needed, do not hesitate to consult a legal expert or a vehicle registration expert to clear any doubts.



    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. 

  • How to convert petrol car to CNG?

    by mohit bohra | Apr 04, 2025

    Introduction

    With the increasing concerns about the environment and the rising costs of fuel, many car owners are exploring options. One popular choice is to convert a gasoline-powered car into a compressed natural gas (CNG) vehicle. Converting your petrol-powered car into a CNG-powered one can be a choice both environmentally and economically. It reduces your carbon footprint and offers long-term savings due to lower costs associated with using CNG compared to petrol.

    Let's dive into the process of Petrol to CNG conversion, offering insights on the steps for this eco-friendly transition.

    The process of converting your petrol-powered car to CNG

    Given below is the process to convert petrol car to CNG:

    1. Vehicle compatibility

    Before you embark on converting your car to CNG, it's crucial to ensure that your vehicle is compatible with a CNG kit. Not every car can be converted. It's important to check with your car manufacturer or a certified mechanic to confirm your vehicle is suitable for running on CNG.

    1. Genuine CNG kit

    For petrol to CNG conversion, you'll need a CNG kit that typically includes components such as a CNG cylinder, regulator, high-pressure pipe and other necessary parts. It's essential to purchase an authentic and certified CNG kit from a dealer in order to prioritise safety and performance. An authorised dealer will provide you with a high-quality kit that meets all required safety standards.

    1. Equipment inspection

    Before you proceed with the conversion, it's crucial to ensure that all the components in your vehicle, including the CNG tank, are brand new. The CNG tank plays a role in the conversion process. It should not have been previously used in any other vehicle. To guarantee safety, a hydro test is conducted to check for leaks in the CNG tank.

    1. Installation by a certified technician

    The installation of a CNG kit should be carried out exclusively by a certified and experienced technician. This is a procedure that involves modifying your car's engine to accommodate CNG and securely installing all the components. The technician will connect the kit to the engine's intake manifold, enabling switching between petrol and CNG fuels. Typically, this entire process takes a day to complete.

    1. Regulatory approvals

    Once the conversion is done, it is essential to obtain approvals and certifications from authorities. Make sure that your converted vehicle adheres to all safety and environmental standards. Obtain any required clearances, permits or certifications necessary for running your car on CNG.

    Thus, you can actively contribute towards creating an environment and enjoy the benefits of cost-effective and environmentally friendly CNG-powered driving. 

    Conclusion

    In summary, converting petrol car to CNG is a timely and environmentally conscious choice. It is essential to adhere to the procedure and guidelines in order to convert your vehicle successfully while ensuring it aligns with your car insurance policy requirements.

    By following these steps and making decisions, you can play your part in creating an environment while benefiting from cost-effective and eco-friendly CNG-powered driving. However, it must be approached with caution and attention to safety regulations and quality standards.


    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.

  • What is a Boxer Engine in Cars

    by mohit bohra | Apr 03, 2025

    Car engines come in many different types depending on vehicle specifications. They are categorised according to different parameters. Boxer engines are one such engine type with a limited but interesting use profile.

    Types of Boxer Engines

    Boxer engines in cars are flat, high-performance engines utilised by only a handful of automobile manufacturers.

    Boxer engines are of the following types:

    • Boxer:

    Pistons moving in opposite directions curate the specifications of these engines that offer a smooth ride by reducing vibrations.

    • Russia:

    These are lighter boxer engines that have each cylinder equipped with two pistons. The small strokes in these pistons help reduce friction while enhancing endurance.

    • 5 TDF:

    These also have two pistons in each cylinder and are mostly found in military tanks.

    Working Mechanism of Boxer Engines

    A type of internal combustion engine that lies low and flat in cars, boxer engines or pancake engines are one of the most efficient and reliable car engines. Their location seating means that they have a low centre of gravity that offers better stability and handling of the vehicle. The working mechanism of boxer engines can be explained as follows:

    • Horizontal layout:

    These engines employ a horizontal pattern of movement in their pistons, which is the key to their efficiency. The pistons face each other in a symmetrical arrangement, which helps to reduce the impact of driving vibrations for a smoother riding experience.

    • Low centre of gravity:

    The flat structure of boxer engines enables their positioning in line with the drivetrain for better vehicle handling and responsiveness.

    • Linear power flow:

    Another advantage of the engine’s flat structure is the linear flow of engine output, which reduces the number of components making up the structure. This leads to an efficient use of fuel by reducing the replacement frequency.

    Conclusion

    The unique horizontal mechanism of working of boxer engines makes them very reliable and well-balanced vehicle engines. However, this complexity also limits their scope in terms of maintenance which is usually expensive. As such, it is recommended to search extensively for car insurance online and add-ons and buy a policy that provides total coverage.


    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.  

  • Electronic Stability in Cars

    by mohit bohra | Apr 03, 2025

    Electronic stability control in cars is a computerised safety system that helps maintain and improve vehicle stability through continuous monitoring with sensors. It is one of the most effective crash prevention systems.

    Working Mechanism of Electronic Stability Control

    Electronic stability control (ESC) primarily works to prevent drivers from losing control of their cars in different situations. These include:

    • Sudden change in direction while driving
    • Slippery or wet surfaces
    • Landscape obstructions like potholes
    • Taking sharp turns
    • Oversteering or understeering

    The working mechanism of electronic stability control in cars is explained below:

    • Detects and responds to changes in vital vehicular statistics: ESC relies on sensors to determine if the vehicle is drifting from its intended path. This is done by comparing the driver’s steering angle with the vehicle’s speed and direction.
    • Intervenes to handle loss of control: In case of the detection of unstable vehicular movement, the system can intervene to help stabilise the vehicle by applying brakes or by reducing engine power to bring the car on track. ESC can also automatically adjust the vehicle’s torque to stabilise it.

    As an active safety feature in all modern-day cars, the electronic stability control system is aimed at preventing accidents by harnessing the capacity of the antilock braking system. However, despite its usefulness, ESC is not a foolproof measure of safety, though it is one of the most efficient. It can help drivers maintain the stability of their vehicles. But it is always necessary to practice responsible driving and follow traffic rules to ensure on-road safety.

    Conclusion

    Electronic stability control in cars is a technological innovation. It is therefore important to service the system whenever it shows any irregularity. Also, a car insurance policy is a must for coverage against accidents, damage and theft involving your vehicle.


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

  • Complete Guide to Car Facelifts and Their Benefits

    by Almog Ramrajkar | Apr 03, 2025

    A car facelift is an update to an existing model often introduced midway through a vehicle’s production cycle to keep it competitive in the market. Rather than redesigning the car entirely, manufacturers make changes to the vehicle’s exterior and sometimes interior to give it a refreshed look and feel. These updates can include tweaks to the car’s design, additional features and enhanced technology. Facelifted cars usually retain the same mechanical components under their hoods, but their updated look and features make them feel new, providing reliability, performance and a fresh style in one package. Let’s dive into what is a car facelift.

    What is the Reason Behind Cars Facelifting?

    1. Keeping Up with Trends

    The automotive industry is constantly evolving as new design trends and technologies emerge. A facelift helps keep a model relevant without the high cost of a complete redesign.

    1. Maintaining Sales

    Midway through a model's lifecycle, sales can slow down as newer, more modern cars hit the market. A facelift can boost interest in the car, often increasing sales as consumers are attracted to the refreshed look and features.

    1. Improving Customer Satisfaction

    Facelifts often include updates based on customer feedback. Adding new features or resolving common complaints helps improve user experience and keeps customers loyal to the brand.

    1. Market Competition

    With many brands competing for customer attention, facelifts allow manufacturers to stay competitive by offering new features, updated designs or improved technology to match or surpass rival models.

    What are the Engineering Changes in Car Facelifts?

    While the mechanical components remain mostly unchanged, a car facelift may include:

    ●         Revised Exterior Design

    Changes to the grille, headlights, taillights and bumpers to give the car a modernised look.

    ●         New Colour Options

    Introduction of fresh paint colours or dual-tone paint schemes for added visual appeal.

    ●         Updated Interior Features

    New materials, upholstery or infotainment upgrades for a more luxurious feel.

    ●         Technology Additions

    Enhanced safety features, advanced driver assistance systems or connectivity options.

    ●         Minor Mechanical Tweaks

    Occasionally, slight improvements in engine efficiency or performance may be made to meet new standards or improve fuel efficiency.

    Conclusion

    A car facelift is a smart, cost-effective way for manufacturers to keep their vehicles up-to-date and appealing without major engineering changes. It provides a fresh, new look, added features and often a touch of luxury that makes the car feel contemporary. Whether it's refreshing the exterior design, updating interior elements or adding new tech, facelifts are beneficial for both the manufacturer and the consumer. For those who want a modern vehicle without waiting for an all-new model, choosing a facelifted car may offer the ideal blend of style, reliability and enhanced features.

    Additionally, arranging adequate car insurance online for a facelifted model helps you stay protected on the road and enjoy your car's updates with peace of mind.


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

  • Understanding Car Fuel Tank Capacity and Efficiency

    by Almog Ramrajkar | Apr 03, 2025

    It is essential to check your car's fuel tank capacity and understand its refuelling frequency and range. It enhances driving experience by determining travel distances and drivers’ convenience. The size of fuel tanks differs among various car types.

    This article explains how to determine the fuel tank volume for cars.

    What is the Average Car’s Fuel Tank Capacity?

    The average fuel tank capacity for cars usually ranges from 38-76 litres, equivalent to 10-20 gallons. The differences depend on the car's make and model. Nonetheless, a full tank capacity enables most vehicles to cover roughly 483-644 kilometres, equivalent to 300-400 miles. The mileage variations depend on fuel efficiency and driving conditions.

    <h2>What is Fuel Capacity with Respect to the Size of the Engine?

    In regards to the engine size, the typical fuel tank capacities for vehicles with different engine cylinders are as follows:

    • Two-cylinder tank capacity: Cars with two cylinders tend to have smaller fuel tank capacities, ranging from 40 to 45 litres.
    • Four-cylinder tank capacity: Cars with four cylinders normally have fuel tank capacities between 52 and 56 litres.
    • Six-cylinder tank capacity: Cars with six-cylinders often have fuel tank capacities between 56 and 60 litres.
    • Eight-cylinder tank capacity: Cars with eight cylinders tend to have larger fuel tank capacities, ranging between 60 and 114 litres.

    Conclusion

    Exploring the variation of fuel tank capacity enables you to gain valuable insights and best understand your car’s potential. As a result, it becomes easier to plan your travels effectively.

    To enjoy safeguarded journeys, ensure you check through and select the best comprehensive car insurance online. Such a cover will save you from accident, theft and damage costs involving your car.


    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.

  • Complete Guide to Belt Drives in Automobiles

    by Almog Ramrajkar | Apr 03, 2025

    Belt drives are devices that transfer power and energy from one place to another. They are widely used in automobiles, industrial machines, and household appliances. In an automobile, a belt drive transfers energy from the engine to components such as the power steering, AC compressor, and alternator. Proper belt drive maintenance in today’s cars is as important as car insurance because it helps to keep the car running smoothly and protects the components.

    What are the Types of Belts?

    There are different types of belts which are chosen based on quality and usage.

    • V-belts: V-belts have a V-shaped cross-section designed to provide maximum grip and efficiency at high speeds. They are commonly used in small appliances and automobiles.
    • Flat belt: Flat belts are thin and suitable for the electrical installation of large appliances.
    • Synchronous belt: This is also known as timing belt. It is used when different parts of the engine must operate simultaneously. This belt plays an important role in a car engine.
    • Multi-rib belt: This belt is made of a variety of small ribs for extra flexibility and grip. It is found in car engines and powers several components simultaneously.

    Different Types of Belt Drives

    There are several classifications for belt drives that meet different requirements depending on the application. These are:

    • Synchronous belt drive: It uses a special belt which has teeth. These teeth engage with the pulley, reducing the chances of slippage. It is also known as a timing belt drive and connects many parts of the engine.
    • Open belt drive: This is a simple system that allows both driving and racing vehicles to rotate at the same time. This drive is best suited for small devices.
    • Stepped belt drive: This drive has several stages and is used to achieve different speeds.
    • Cross-belt drive: This involves cutting the belt so that the pulleys driven by the driver rotate in the opposite direction. It is used when the direction of rotation between two pulleys needs to be changed.

    Conclusion

    This article answers the question, "What are belt drives in a car?" Belt drives play an important role in any machine, especially in vehicles that require precise and efficient power delivery. In modern vehicles, they focus on increasing vehicle performance and safety and are designed for durability and flexibility. Proper upkeep of these belt drives is essential for vehicle longevity and performance. Similarly, choosing the best car insurance policy ensures all-around protection for your vehicle.


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

  • Understanding Car Fog Lights and Their Importance

    by Almog Ramrajkar | Apr 03, 2025

    Fog lights are special lights that help vehicles see the road more clearly in obscure conditions such as fog or thick smoke. These lights are designed and positioned to illuminate the road directly in front of you, helping maintain focus and visibility.

    When to Use Fog Lights?

    Fog lights are primarily used in situations where conventional lighting limits road visibility. These conditions include fog, heavy rain, snow, and dust storms. The main feature of a fog light is that it gives off a bright, low beam of light falling straight down the road and not flashing.

    Conventional flashlights have a straightforward beam that diffuses in the presence of fog or dust and makes it impossible to see clearly. In contrast, a bright fog light goes down, providing better visibility of the road and oncoming vehicles or obstacles.

    What is the Difference Between Driving Lights and Fog Lights?

    The difference between fog lights and driving lights comes from their purpose, like:

    • Purpose of Fog Lights

    The main purpose of fog lights is to help the driver see the road clearly in adverse conditions or foggy darkness. They illuminate the bottom of the road, and their light is not diffused. These lights are usually mounted lower on the front of the vehicle so the driver can see the road clearly.

    • Purpose of Driving Lights

    Driving lights are primarily used to provide long-range illumination on the road. They illuminate at greater distances and clearly show the road ahead at a distance.

    Conclusion

    Fog lights in cars are an important safety device, especially in areas where weather conditions such as fog and rain are common. Automakers are focusing on better-efficient fog lights to ensure safety even when driving in low visibility. Proper use of car fog lights not only contributes to the safety of the driver but also reduces unnecessary accidents involving other vehicles. Also, ensure that you get the best car insurance policy for coverage against accidents, theft, and damage.


    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.

  • Complete Guide to Bush Bearings in Cars

    by Almog Ramrajkar | Apr 03, 2025

    Bush bearings are essential for the smooth operation of any vehicle. They help reduce friction and wear on moving parts. A bush bearing in the car works as a cushion that lets parts move around freely without rubbing against each other directly, enhancing their performance and longevity. Thus, knowing about bush bearings assists car owners in maintaining their automobiles, reducing the probability of uncertain problems that would result in accidents or costly repairs.

    Types of Bush Bearing

    There are many types of bush bearings used in cars, each specifically designed for a different application. 

    Here are some of them:

     

    • Sleeve Bush Bearings

    Sleeve bush bearings are plain cylindrical bearings that enable frictionless, easy sliding of parts over other parts. It is mainly used for various rotating components, where protection is given against early damage.



    • Flanged Bush Bearings

    The flanged bush has a flange at one end, which makes it ideal for handling radial loads. It is primarily used in cases where parts need to be supported and aligned within the car's structure.



    • Split Bush Bearings

    These bearings come in two pieces, which makes them easier to install and remove. Split bush bearings are usually used in places where the bearing needs to be replaced without disassembling other significant components.



    • Thrust Bush Bearings

    Thrust bush bearings are designed to bear axial loads. They work best in applications where pressure is applied along the axis of rotation. This usually helps stabilise and prevent unwanted movement.



    • Spherical Bush Bearings

    With their capability, these bushings allow movement to an angular degree. These bearings serve their applications involving parts where alignment doesn't absolutely match. They are mainly used in those places of a car where some minor misalignment needs to be accommodated. 

    Conclusion

    Bush bearings are critical in a car's suspension system because they help reduce friction and make the components last longer. However, these car consumables are subjected to normal wear and tear, making them obsolete over time. Not all car consumable parts, such as ball bearings, oil filters, AC coolant, gearbox oil, nuts, bolts, washers, grease, etc., are covered under the standard comprehensive car insurance policy. It is highly recommended to invest in consumable add-ons to cover the cost of these vital car parts.


    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.

  • Essential Guide to Android Auto Features and Usage

    by Almog Ramrajkar | Apr 03, 2025

    Android Auto is a technology developed by Google that allows users to view some aspects of their phone screen on the infotainment display screen of their car. This is made possible by connecting the phone to the car, which helps to mirror the connected device’s screen onto the car’s display.

    How to Use Android Auto?

    A standard feature on smartphones with Android version 10 and above, Android Auto is available for download as an app for phones with Android 9 or below. Either way, the technology is easy to use and offers the convenience of accessing certain features of phones directly on your vehicle’s display for safer driving. Here’s what is Android Auto and how to use it on your car:

    •       Park your car and turn on the infotainment system
    •       Connect your phone to the car using a USB cable or Bluetooth if you want to go wireless.
    •       Instructions on how to use the app will be displayed on your device. You need to grant the required permissions for Android Auto to mirror your phone screen on your car.
    •       Follow the prompts that appear on your screen to enjoy a seamless driving experience with Android Auto.

    How Does the Android Auto App Work?

     The Android Auto App is a useful feature that allows users hands-free access to key phone features, thereby eliminating the need to be physically on your phone. This smart driving companion helps you stay focused on the road while keeping you entertained during your journeys. Here’s how this easy-to-use app works:

    •       Connect your phone with your car by following the how-to-use guide.
    •       Choose which apps you want to be displayed on your car screen.
    •       Control your apps by using voice commands for a truly hands-free experience. This includes getting driving directions, sending messages or making calls with the help of Google Assistant. Of course, you can also avail of entertainment options like listening to music and podcasts or playing videos through the app.

    Conclusion

    Now that you know all about what is Android Auto in cars, you can go ahead and enjoy the convenient driving experience that you have always wished for. For similar convenience regarding vehicle maintenance and risks, always make sure to opt for the best car insurance policy.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the 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.

  • Complete Guide to Car Heads-Up Display (HUD) Systems

    by Almog Ramrajkar | Apr 03, 2025

    Car lovers value safety and security. Are you looking for the same? Well, let's explore heads-up displays in cars. A head-up display (HUD) is a transparent screen on the car’s windshield that displays information like speed, navigation direction, fuel level, etc. This helps the driver get important information without looking at the dashboard. The technique uses cameras, sensors, and software to collect real-time data. The process can easily reduce cognitive load and distraction-related accidents. HUDs are a trend that can significantly impact the driver experience and satisfaction.

    Types of Heads-Up Displays in Cars

    HUDs are a major advancement in automotive technology to help drivers easily get the information they need. It is important to be aware of the different types of heads-up displays available in the market. Here are the best heads-up displays:

    ●     Normal Heads-Up Display

    This feature is important in modern vehicles. Drivers can get vital information about speed and fuel level, which increases awareness and allows drivers to monitor their vehicles' performance.

    ●     Advanced Head-Up Displays (HUDs)

    Drivers can explore the best routes and seamlessly integrate with smartphone applications. Car heads-up displays increase the driver's convenience and reduce distractions.

    ●     Augmented Reality (AR) HUDs

    This feature merges digital information with the real world. Drivers can improve their navigation with safety features like obstacle detection.

    ●     Full-colour HUDs

    These HUDs come in a range of colours that portray complex data and reduce the cognitive load on the drivers.

    ●     Customisable HUDs

    Users can easily customise their heads-up displays in cars as per their needs and preferences. You can focus on different information and modify the display position and content to make a customised interface. 

    Conclusion

    HUDs help drivers have important information, such as the speed and route available. This feature has been beneficial in reducing accidents. Remember that four-wheeler insurance is a must for coverage against damages and accidents.


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

Error message here