Vehicle insurance is an essential step to protect your car from any unforeseen damages and loss. While a standard comprehensive insurance plan offers good coverage, add-on covers make the policy even more well-rounded and suited to your needs. When choosing a rider, two popular options that you may come across are Zero Depreciation and Return to Invoice (RTI). This article will explore the differences between the two add-ons.

What is a Zero Depreciation Add-On Cover?

Zero depreciation or NIL depreciation add-on cover eliminates the depreciation factor during claim settlement. Car parts are naturally prone to wear and tear, which reduces the claim amount payable over time. This means that in the event of an accident, the insurance provider will pay for the damage repair after deducting the depreciation cost for the vehicle parts. With zero depreciation cover, the policyholder can claim the full amount without any deductions, making it a beneficial add-on to four-wheeler insurance.

What is a Return to Invoice Add-On Cover?

Return to Invoice rider ensures that in case of total loss or theft of a car, the policyholder receives a claim amount equal to the original invoice value of the vehicle. Without this add-on, the insurance provider only pays the Insured Declared Value (IDV) of the vehicle, which will not be enough to cover the substantial loss of the four-wheeler. With a Return to Invoice add-on, the policyholder can claim the purchase value of the car. This will provide the much-needed financial cushioning in cases of vehicle theft, or the loss is irreversible.

Return to Invoice vs Zero Depreciation Cover: Differences

When is it Advisable to Choose The Zero Depreciation Add-On?

Zero depreciation is suitable for cars that are not older than 5 years. Some insurance providers offer this add-on for older vehicles as well. The number of claims can be limited by this cover, depending upon the insurer. The premium for four-wheeler insurance with zero depreciation add-on is higher.

  It is particularly beneficial for the following cases-

1. Recently Purchased Cars: It protects the car's value by covering full repair without any depreciation cost.
2. Frequent Commuters: Ideal for people who drive daily and have a higher chance of minor mishaps.
3. Urban Drivers: Driving in the city includes chances of minor accidents, making this a valuable add-on.
4. Luxury Vehicle Owners: Provides coverage for higher repair costs of premium parts.

When and Who Can Opt for the Return to Invoice Add-On?

Return to Invoice add-on is available for cars that are 1 to 3 years old, after which it is not provided. It is offered for vehicles that are repairable and can be used for more than 75% of its Insured Declared Value. The basic car insurance plan premium increases by 10% upon purchasing this add-on.

It is suitable for the following cases:

1. Expensive Cars: High-end or luxury car owners can benefit from a full invoice value claim.
2. Cars in High-Risk Areas: Regions that are prone to cases of theft or recurring natural calamities.
3. New Car Owners: Especially valuable for the first few years when the speed of depreciation is quick.

The first stage to becoming obsessed with cars or owning one is understanding the fundamentals. When buying a car, the first element you may want to consider is the type of vehicle that will best meet your requirements. Knowing the different car types available in the Indian automobile market will increase your chances of finding your ideal car.

The current car market in India offers a wide range of choices. We have anything you can think of, including hatchbacks, sedans, MUVs, SUVs, convertibles, coupes, and pickup trucks. But with so many sizes, shapes, and designs, it can take time to choose the ideal vehicle.

In order to facilitate your journey, we have comprehensively explained the different car body styles in India and made a list of the most popular cars in each category.

Types of Cars in India

One of the difficult choices you might have to make during the buying process is what kind of car to buy.

• If you live in a rural region without traffic congestion, you can choose a big car with enough room for your needs.
• Those living in cities must be concerned about traffic, mainly if they rely on a vehicle for both their daily commute and weekend excursions.

Most significantly, one should also consider the car user’s family. Although there are countless ways to categorise vehicles based on their bodies, we have limited the list to a few famous types of car bodies in India. You can choose the best car for your requirements with the help of this succinct description of car body styles.

Hatchback

• The most ubiquitous form of vehicle in India is a hatchback. A small car with four doors and a boot is called a hatchback. It's best to seat only four persons at a time for greater comfort.
• Fuel economy is one of the many benefits of a hatchback, and it scores high on this count. Hatchbacks give superior mileage than other vehicles because they are compact and lightweight.
• The most congested city streets, where car dimensions are a significant consideration for all vehicles, are best suited for hatchbacks.
• Parking in most places can be a nightmare, and hatchbacks are the best car models for parking convenience.
• A hatchback’s tiny boot room is one of its drawbacks, making these vehicles unsuitable for transporting large amounts of luggage.
• The Tata Indica, Maruti Alto, Hyundai i10, Maruti Swift, Ford Figo, etc., are some of India’s top hatchbacks.

Sedan

• Another segment that is very popular in the Indian industry is sedans. These vehicles are perfect for families because they provide enough room for all needs.
• A sedan has four passenger doors and one for the boot, similar to a hatchback. The boot space in sedans is significantly more extensive and accommodates luggage of various sizes.
• Manufacturers occasionally add boot space to existing hatchback cars to turn them into sedans. One of the best instances of this conversion is the Maruti Swift Dzire.
• In general, sedans are considered more elegant than hatchback automobiles. There are countless high-end cars on the market today that are both fashionable and cosy.
• Many subvariants are within the sedan category, and automakers are constantly introducing new body styles.
• Ford Fiesta, Mahindra Verito, Hyundai Verna, Honda Amaze, etc., are a few of the best sedans on the Indian market.

Compact Sedan

• The car market in India is complicated, and customers’ needs can occasionally vary from those in other nations. People buying compact sedans receive tax rebates from the Indian government.
• These vehicles are less than four meters long.
• Indian automakers created car body styles that are unique to India to reap the benefits of the pricing element. One such exclusive vehicle is the compact sedan.
• Although these vehicles have four doors and a boot, they have much less room than a typical sedan. Tata Motors is the first company to reduce the length of the Indigo to create India’s first compact sedan, the Indigo CS (short for Compact Sedan).
• Some of India’s top compact sedans are Honda Amaze, Suzuki Dzire, Hyundai Xcent, and Tata Tigor. 

Coupe

• A two-door vehicle with a slanted roofline and a sporty posture is called a coupe. The majority of these coupes have a strong motor and either have two seats or two additional smaller rear seats.
• Four-door coupes are available nowadays, but their sporty traits have stayed the same.
• Most Indian drivers do not favour this type of vehicle, but international car manufacturers are marketing them to a select group of motorists in India.
• Coupe cars can reach triple-figure speeds in a few seconds because they are typically high-performance.
• Some of India’s top coupes are Ford Mustang, Audi R8, and Mercedes Benz GLE Coupe.

In India, driving under the influence of liquor or drugs is considered a criminal offence and is punishable by law. If drugs get detected in the driver’s blood sample test, it will be a punishable offence, and the person will have to pay a drunk driving penalty. In this article, we will discuss the fines and penalties for drunk driving in India and the process for paying these fines. The article also emphasises the importance of avoiding driving under the influence of alcohol or drugs. The legal drinking age in India varies from state to state, but the drinking and driving rules are the same across the country. It is essential to drive safely and responsibly to ensure a safe and smooth ride for everyone on the roads.

What is the fine for drunk driving in India?

According to Section 185 of the Motor Vehicles Act, if a driver has more than 30 mg of alcohol in a sample of 100 ml of blood, it is considered a punishable offence. A drunk and drive fine will be applied accordingly. The fine for a first offence can be up to Rs 10,000; repeat offenders may face imprisonment for up to two years and a fine of up to Rs 15,000. These penalties are the same for all vehicles.

It is important to avoid driving under the influence of alcohol or drugs, as it can lead to serious consequences, including injury or death. To prevent drunk driving, individuals can plan by not drinking if they know they will be driving, booking a cab or auto-rickshaw, staying overnight with a friend or relative, picking a designated driver, and leaving their car at home.

It is also essential to be aware of the legal drinking age in different states in India and to drink responsibly to avoid the drink-and-drive penalty.

The legal drinking age in India varies from 18 to 25 years, depending on the state. Some states have banned alcohol entirely, while others have a legal drinking age of 25 years. Most states have a legal drinking age of 21 years. However, the drinking and driving rules, including the drunk driving penalty, are the same for all states, and it is illegal to drive under the influence of liquor or drugs.

Process to pay the fines

You can pay either online and offline while paying a drunk driving fine depending on the state and the mode of issuance of the challan:

• If you get caught driving under the impact of drugs or alcohol, the designated officer will issue a challan for the drunk-driving fine. This is applicable only if the test shows a value equal to or more than 30 mg/100 ml of blood.
• It is advised not to refuse the test as it may result in further legal complications and arrest. You can pay the fine online or offline as per the challan.
• For online payment to pay a drunk driving fine, you can do the following:
• You need to visit the official website of the State’s Department of Transport
• Click on the payment tab for e-challan or traffic violation
• enter the vehicle number or challan number
• fill in the captcha code
• You can make the payment using your debit or credit card or an e-wallet. After successful processing, you will receive a receipt confirmation message.
• If you cannot pay online, you can visit the traffic police station in your zone and enquire about the amount of fine for drinking and driving.
• You can then make the payment offline using cash or your debit/credit card and take a receipt for the same.

Impact on motor insurance in case of drink and drive fine

Getting fined for drunk driving does not just end with paying a penalty—it can also have a significant impact on your car insurance policy.

1. Rejection of claims:

If you are involved in an accident while driving under the influence of alcohol, your insurer has the right to reject any claims. Most car insurance policies have strict rules against drunk driving, and if proven, this results in the rejection of the claim.

2. Premium hikes and policy cancellation:

A history of drunk driving can result in increased premiums when you renew your policy. In some cases, insurers might refuse to renew your car insurance policy altogether, considering you a high-risk driver.

3. Legal and financial liabilities:

If a third party is injured or property is damaged while you are driving drunk, you may be held personally liable for all costs—even if you have third party car insurance. This affects the primary benefit of insurance protection and can result in financial strain.

Conclusion

It is important to drive safely by obeying traffic rules, avoiding drinking and driving, and using a cab if necessary. We are responsible not only for our safety but also for the safety of others on the roads when we are driving. Therefore, it is crucial to be vigilant and follow traffic regulations. Also, ensure that you have a third-party car insurance since it is mandatory in India as per the Motor Vehicles Act.

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 term “Green Tax,” which also refers to environmental or pollution taxes, is an excise duty imposed on products that pollute the ecosystem. The economic theory claims that by incentivising households and businesses to adopt pollution-reduction practices, levies on emissions that create pollution will lessen the harm done to the ecosystem. Pollution is the expense of producing goods that the producer or polluter does not bear. Polluters who endanger the lives of other people and the environment are subject to vehicle green tax.

Indirect taxes on alternative policies or associated products like accepted technology standards can cut pollution, but they might be costly. For instance, increasing the price of gas does not encourage drivers to maintain their cars' pollution-control systems. Since such taxes encourage polluters to reduce pollution, carbon taxes are economically advantageous.

What is Green Tax?

Due to the emissions from their outdated engines, which pollute the environment, older vehicles in the country are subject to a Green Tax. As a result, the Green Tax is a fixed fee that owners of vehicles must pay on their outdated cars.

• This tax applies to both household and commercial vehicles. The amount of the Green Tax varies by state and depends on the type of car as well.
• Older cars negatively impact the environment by releasing gases or smoke. This also significantly increases pollution. Large trucks transporting goods from one place to another also add to air pollution. Since the Indian government has placed a Green Tax on older vehicles, it is imperative to limit their use.
• A higher Green Tax is applicable to vehicles registered in heavily polluted regions like Delhi.
• The Green Tax, implemented to lessen pollution, only applies to gasoline and diesel vehicles. It does not apply to vehicles that run on electricity, compressed natural gas, or ethanol.
• The government uses the funds raised from the Green Tax to construct facilities for measuring emissions. The Green Tax should encourage the country’s people to switch to cleaner vehicles.

Why and When is Green Tax Levied on Vehicles?

Given the quickly deteriorating state of our environment, the government has decided to take action to reduce pollution levels. The Green Tax, which levies a fee on vehicles that don’t meet specific requirements, is one such measure. The Indian government is contemplating imposing a green tax on vehicles at the time of renewal of their registration documents. The owner will therefore be liable for any environmental harm. Over-eight-year-old commercial and more than 15-year-old privately owned vehicles will be subject to vehicle green tax.

There is a Green Tax imposed on those who drive polluting vehicles. Old cars with older motors are more likely to generate heavy pollution. The Green Tax acts as a behavioural restraint on people who continue to ignore global warming and drive polluting vehicles.

The tax is a tool for encouraging people to upgrade to more ecologically friendly technology or, at the very least, vehicles with a more negligible impact. Numerous companies are currently developing two- and four-wheel vehicles with reduced pollution levels. Sales of electric scooters are rising as more people realise how important it is to transition to better forms of transportation. The Green Tax initiative seeks to promote and facilitate scooter users’ transition to greener models.

We have all witnessed the increasing global concern about the impact of fossil fuel consumption on the environment. As a result, many of us have begun to question the efficiency and environmental sustainability of petrol cars. It's encouraging to see the automotive industry has been responding to these concerns by introducing alternative solutions such as hybrid and electric cars.

Electric cars, powered solely by batteries, emit zero emissions and are incredibly efficient. On the other hand, hybrid vehicles combine petrol and electric power sources, resulting in lower emissions and better fuel efficiency. As a result, the debate on hybrid cars vs petrol cars, electric car vs hybrid car, electric car vs petrol car, and hybrid vs electric car has become increasingly prevalent among car users.

Ultimately, the choice of electric, petrol, or hybrid car depends on each individual’s needs and preferences. We must take into account our budget, daily commute, environmental concerns, and overall driving preferences. This blog will help you explore each type of vehicle, analyse its pros and cons, and ultimately help you make an informed decision that meets your transportation needs while reducing your carbon footprint.

What is an electric car?

Electric cars are becoming increasingly popular due to their eco-friendly nature and low operating costs. An electric car is a vehicle that runs on an electric motor powered by a rechargeable battery pack. It doesn't have an internal combustion engine, which means there are no emissions produced from burning fuel.

Features of an electric car

Electric cars come in various types, including battery electric vehicles (BEVs), plug-in hybrid electric vehicles (PHEVs), and extended-range electric vehicles (EREVs).

BEVs are purely electric and run entirely on battery power, while PHEVs have both an electric motor and a petrol engine that work together. EREVs are similar to PHEVs, but their petrol engine only generates electricity to power the electric motor rather than directly powering the wheels.

Electric cars have several advantages-

Zero Tailpipe Emissions: EVs eliminate exhaust emissions, greatly minimising air pollution.

Lower Operating Costs: Electricity generally costs less than petrol or diesel, leading to reduced fuel expenses.

Quiet Operation: Electric motors provide a silent driving experience, contributing to noise pollution reduction.

Instant Torque: EVs deliver immediate power, resulting in quick acceleration.

Electric cars also have drawbacks, such as limited driving range, longer recharge times, and higher upfront costs than petrol cars. These factors can make them less practical for long journeys or those who cannot afford the high initial purchase price.

Overall, electric cars are a great choice for those who want to reduce their carbon footprint, save on fuel costs, and enjoy a quiet, smooth ride. However, they may not be suitable for everyone’s needs, and it's important to consider factors like driving range and charging infrastructure before making a purchase.

What is a petrol car?

Petrol cars, also known as gasoline cars, have an internal combustion engine that combusts petrol and air to generate power. This gets transferred to the wheels via a transmission system. Petrol cars have been in existence for over a century and are still widely popular today.

Features of a petrol car

Petrol cars offer a range of benefits-

• Affordability- Petrol cars have a lower purchase price compared to EVs and hybrids.
• Ease of Maintenance- A vast network of service centres exists for petrol vehicles
• Moderate Fuel Efficiency: Petrol engines offer reasonable fuel economy but are less efficient than diesel or hybrid counterparts.

What is a hybrid car?

A hybrid car is a vehicle that combines the power of a gasoline engine and an electric motor. This type of car increases fuel efficiency and reduces emissions.

Features of a hybrid car

Key features of hybrid cars are-

• Variety of Options - There are three types of hybrid cars — parallel, series, and plug-in hybrid.

A parallel hybrid car uses both the gasoline engine and electric motor to drive the wheels simultaneously. In contrast, a series hybrid car uses an electric motor to power the wheels, with the gasoline engine acting as a generator to charge the battery.

A plug-in hybrid car, on the other hand, can be charged from an external source, allowing it to travel longer distances on electric power alone.

• Fuel Efficiency- Hybrid cars are advantageous over petrol cars as they are more fuel-efficient, emit less pollution, and have better resale value.
• No need for External Charging- They are also advantageous over electric cars as they offer a longer driving range and have less dependence on charging infrastructure.
• Low Maintenance- Hybrid cars require less maintenance as they have fewer mechanical components, and the brake pads last longer due to regenerative braking.

Hybrid cars are more expensive than petrol cars, and their batteries may need replacement after a certain period, which can add to the cost.

Understanding the different car fuel types

Which type of car fuel is best for you?

When it comes to choosing between electric, petrol, and hybrid cars, there is no one-size-fits-all answer. It ultimately comes down to your personal needs, preferences, lifestyle, driving habits, and budget.

1. If you are looking for a car that is eco-friendly and cost-effective in the long run, an electric or hybrid car may be the best option for you. These cars offer significant savings on fuel costs and are better for the environment. However, they may not be the most convenient choice if you have a long commute or lack access to charging stations.
2. On the other hand, petrol cars offer convenience and reliability. They are widely available and can easily be refuelled at gas stations, making them a great option for those who travel long distances or live in areas with limited charging infrastructure. However, they are not as environmentally friendly as electric or hybrid cars and may cost more fuel expenses in the long run.

It is essential to evaluate the pros and cons of each type of vehicle.

FAQs

• Why is CNG considered a better option than petrol or diesel?

Compressed Natural Gas (CNG) is often preferred over petrol or diesel due to its lower emissions, making it an eco-friendly alternative. CNG is cost-effective, helping car owners save on fuel expenses in the long run. It also results in smoother engine performance and extends the engine's lifespan due to cleaner combustion.

• Does the type of fuel affect a car's power and performance?

Fuel type plays a crucial role in a vehicle's power and efficiency. Petrol and diesel engines generally provide higher power output and torque compared to CNG vehicles. CNG vehicles offer better mileage and lower running costs, making them an economical choice despite slightly reduced engine power.

• Which is safer—CNG or petrol cars?

CNG and petrol cars have safety mechanisms, but CNG vehicles require additional precautions. Factory-fitted CNG cars are designed with robust safety measures, such as reinforced cylinders and leak-proof systems. However, if a CNG kit is installed aftermarket without proper certification, it may pose safety risks.

• How do CNG and diesel fuel prices compare?

The price difference between CNG and diesel varies based on location and market conditions. CNG is more affordable than diesel, offering lower running costs per kilometre. While diesel vehicles may provide better mileage and power, CNG vehicles help reduce fuel expenses significantly over time.

• Is a factory-fitted CNG car better than a petrol car with an aftermarket CNG kit?

A company-fitted CNG car is generally better than converting a petrol car with an aftermarket CNG kit. Factory-fitted CNG vehicles come with optimised engines, better safety features, and warranty coverage. In contrast, aftermarket CNG kits may not always integrate well with the engine, leading to performance issues and higher maintenance costs.

Conclusion

Selecting between electric, petrol, and hybrid cars depends on individual preferences, environmental considerations, and driving patterns. Electric vehicles offer sustainability and lower operating costs, petrol cars provide affordability and convenience, while hybrids deliver a balance of efficiency and reduced emissions. Regardless of your choice, securing an appropriate car insurance policy—be it third-party car insurance or comprehensive coverage—is essential to protect your investment and ensure peace of mind on the road.

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. 

Taking care of your car and ensuring it runs well takes work, but you don't have to be a technical genius to keep it in good shape. The hardest part of car servicing is knowing what to do and how often. By learning the basics regarding what your car demands and how frequently you should do regular maintenance, you can ensure your vehicle is running at its best.

As an added advantage, if you can show that your car has been well cared for, you'll get the most money when it's time to sell it. And, of course, it's essential to know that the costs of maintaining the car aren't always cheap, but they can save you money in the long run by keeping your vehicle in good shape.

The following is a car service checklist that requires your attention at different times of the year. You must check several of these factors often. It is important to follow your car maintenance plan and service period record.

Inspect the fluids

After servicing, one of the most crucial checks is ensuring that all fluids are at optimal levels and free from contamination.

Engine Oil

Engine oil keeps the parts inside and around the engine from rubbing against each other and wearing out too quickly. It also stops energy loss and cleans the engine to prevent rust. Check your car’s manual to determine when it’s time to change the oil in your engine.

Coolant

The coolant helps keep the engine at the right temperature and from getting too hot. It is also known as “antifreeze” because most coolants don’t freeze when the temperature drops below 0°C. Due to this, it’s vital to ensure that the radiator or tank is full. If there’s not sufficient liquid, pour more to fill the tube. It’s best to have an expert examine and drain the coolant since it’s hazardous, pollutes the environment, and can cause skin irritation. According to how frequently you drive your car, you should change the oil about every 50,000 kilometres, every 2 to 4 years, or every 2 to 5 years. Every year, you must check the coolant amount.

Brake Fluid

This fluid ensures smooth and responsive braking. Low or dirty brake fluid can reduce braking power. To check the brake fluid level, ensure the reservoir is accessible and verify that the fluid is clean and clear.

Transmission Fluid

This enables smooth gear shifting in automatic cars. Use the dipstick to check the fluid level, ensuring it is at the recommended level. Clean transmission fluid typically has a bright red colour.  A burnt smell or dark fluid may indicate replacement.

Windshield Washer Fluid

This helps in maintaining clear visibility of the windshields and is an important part of vehicle safety, especially during long drives. Ensure the reservoir is full and test the spray function. Dirty windshields can obstruct vision, especially during bad weather conditions.

Tyre condition and pressure

The roadways you frequently travel on can be harsh, patchy, and occasionally almost worn out. This makes routine wheel maintenance crucial because the portion of a car that suffers the most from bad roads is its tyres and the wheel rims. These are the primary car parts in actual proximity to the ground below.

Tread Wear

This ensures road grip and stability. Make sure to get the tread depth inspected using a gauge or coin. Balding tyres reduce traction, which increases the risk of skidding, especially in wet conditions. Change the tyres or follow a schedule to ensure your car is not running on unsafe tyres.

Pressure

Tyre pressure affects fuel efficiency and handling. During car servicing, a pressure gauge is used to check if it meets manufacturer recommendations. Inaccurate pressure can lead to uneven wear and reduced mileage, so tyre pressure is a key marker during vehicle checkups.

Rotation and Balance

Suppose your vehicle is overdue for a wheel rotation or alignment, you should expect the wheels to be changed, even though there is a remote possibility of this occurring. However, if your vehicle is brand new, you should avoid purchasing used tires. Every six months, or if your vehicle has travelled 8000–10,000 km, you must opt for routine wheel balancing performed locally. Thus, there will be less strain on sensitive auto components and less wear and tear overall. Additionally, this translates into fewer trips for car repairs and smoother, secure drives with increased savings. These are a few things to check after car service.

Brakes

Brakes are essential for safety, regulating the speed and helping the driver cruise through uneven roads easily. Any malfunction can compromise stopping power, increasing accident risks.

Pads and Rotors

These are important components of the vehicle mechanism as they provide braking force and prevent metal-on-metal contact. Worn-out pads cause squealing noises and poor braking performance, so checking for sufficient pad thickness and smooth rotors is important.

Brake Function

The smoothness of brake functioning determines the stopping efficiency of a vehicle. Spongy brakes or strange noises may indicate air in the lines or worn components. Press the brake pedal to check for firmness and responsiveness to ensure the brakes are properly serviced.

Battery health

A faulty battery can result in you being stranded in the middle of nowhere. Ensuring it’s in good condition prevents unexpected breakdowns and saves time and money.

Charge Level

Battery charge levels power the ignition system. A battery should have a charge of around 12.6V when idle. Service centres usually test this during the full vehicle checkup. However, you should request a report to confirm its health.

Connections

Unbroken wiring is important to ensure proper electrical flow in the battery. A poorly connected battery can cause starting issues or electrical malfunctions. Check for corrosion on terminals and tighten loose connections.

Lights and indicators

Vehicle lights ensure visibility and communication with other drivers. A malfunction can lead to accidents or fines.

Functionality

The proper function of vehicle lights includes headlights, brake lights, and turn signals, all in top-notch condition. Turn them all on to check if they are working properly. Replace any dim or flickering bulbs immediately.

Alignment

Poorly aligned headlights affect night driving visibility. Misalignment of vehicle indicators can either blind oncoming traffic or reduce visibility. Ensure the car headlights are properly aligned to illuminate the road evenly.

Air filters

The air filter regulates the air movement into your engine; this also helps keep debris and particulate matter out of the engine. You can get better mileage from your automobile by reducing fuel consumption. This, in turn, reduces the amount of pollutants released by your vehicle. If you ensure that the air filter is working properly, you can extend the life of your engine and make it last as many years as possible.

Engine Air Filter

When the engine filter is clean, your vehicle's acceleration will remain consistent and perform at its best. If you want your engine to last a long time and be reliable, you should check the air filter monthly. Every 15,000 miles, you should replace your vehicle's air filters. Experts strongly recommend that you only replace them at intervals of more than 50,000 miles. Most automotive specialists agree that replacing your car's air filter every fifteen thousand miles is necessary for regions with high levels of dust and pollution.

Cabin Air Filter

Changing the cabin's air filter and the engine will help your vehicle operate more efficiently. When the air filter in your vehicle is clean, the air conditioner can operate more effectively.

Documentation and service report

When you take your car to an authorised service centre for vehicle maintenance, you will receive a hard copy of the job card. When you hand the car to the service centre, you usually get the green-coloured customer copy. This is made of thin paper, while the company keeps a blue job card with a thicker piece of paper that is an exact duplicate of the customer’s green copy.

You can also write down any dents or scratches on the inventory check sheet on your car. Before you get the customer copy, the service centre agent writes down whether or not there is a stepladder, jack, toolkit, etc. The most vital part, getting the job done, comes next. It is either typed or written by hand.

Service Checklist

The Service Advisor must write down all of the customer's complaints and needs on the job card since the same card goes to the shop floor. The job card travels across various sections of the workshop and ensures that all the points noted are covered. After the servicing, you receive the complete checklist confirming whether all tasks highlighted in the job card were performed. Go through the report carefully and discuss any discrepancies with the service provider.

Warranty and Recommendations

Covers replaced parts and additional suggestions. Ensure warranty details are recorded and follow recommended maintenance tips for optimal vehicle performance.

Additional tips

After servicing the vehicle, you will receive a statement broken down into its components. Check to see if it provides the value the customer service representative anticipated it would have for you, and make it a point to ensure it does. Additionally, follow these steps-

• Always keep a vigilant eye out and ensure you are not charged extra for any service rendered, such as topping off the engine oil if it is required. It is in your best interest to maintain vigilance and check whether there has been an error.
• Verify the accuracy of every labour and replacement part cost before you make the payment. You should negotiate with the service centre agent if necessary and make use of a service voucher if you have one.
• Take your car for a short drive to check for unusual noises, vibrations, or performance issues.
• Before leaving the service centre, inspect your car’s exterior and interior for accidental damage.
• Ensure the spare tyre is in proper condition and has perfect air pressure.
• A well-maintained car can sometimes qualify for better coverage or lower premiums, whether you have comprehensive or third-party car insurance.

FAQs

1. Why is it important to check my car after servicing?

It makes sure that all maintenance tasks are completed properly, preventing performance issues and safety risks.

2. How often should I check my car’s fluids?

Check fluids every few weeks and after every service to ensure they are at proper levels.

3. What should I do if my brakes feel off after servicing?

If you notice spongy, unresponsive, or noisy brakes, get them checked immediately at the service centre.

4. Can I claim insurance if my car is damaged during servicing?

If damage occurs at the service centre, they may cover it. Otherwise, your car insurance policy may help with major damages.

5. How does regular maintenance affect car insurance?

A well-maintained car reduces breakdowns and claims, possibly leading to better insurance rates, whether you have third-party car insurance or comprehensive coverage.

Conclusion

As a customer, you must actively ensure that everything gets arranged in the way that makes the most sense. So, a part of the comprehensive Pre-Delivery Inspection checklist that you should comply with to check whether the PDI on your vehicle gets executed diligently includes the car’s invoice. This contains details connecting to the car’s model and sub-variant and the receipts, such as payments done for the car, accessories, RTO, taxes, etc. Also, a significant part of taking care of your includes having a comprehensive car insurance policy that takes care of any untimely needs.

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. 

Vehicle Fitness Certificate: Cars, Bikes & More Vehicle Fitness Certificate for Cars, Bikes & Other Vehicles

In India, it is mandatory for all commercial vehicles to have a valid vehicle fitness certificate (FC). The Regional Transport Office (RTO) issues the FC after a thorough inspection process to ensure that the vehicle is fit to be driven on Indian roads. The certificate is crucial for compliance with legal requirements, ensuring road safety, preventing pollution, and avoiding unnecessary penalties. The article briefly explains various topics, such as how to apply for an FC online and offline and the necessary documents required for obtaining the certificate. It also highlights the importance of obtaining an FC, its validity period, and other related aspects.

What is a Fitness Certificate (FC) of a vehicle?

According to Indian legal requirements, it is mandatory for all motor vehicles to possess a valid vehicle fitness certificate. This is in addition to the registration certificate. The inspection process helps to identify technical faults, mechanical issues, emission issues, or any other problems related to the vehicle’s working condition. This process ensures that the vehicle is environmentally safe and technically and mechanically fit, thereby increasing on-road safety. Additionally, such inspections help to identify potential problems that could cause frequent breakdowns in the future. The fitness certificate issued by the RTO serves as an important tool to keep track of a vehicle’s condition, regardless of its type or capacity. By complying with the mandatory fitness certificate requirement, vehicle owners can ensure the safety of the environment, their own safety, and of others on the roads.

Importance of Having Vehicle Fitness Certificate

In India, possessing a Fitness Certificate (FC) for motor vehicles is crucial, and the following points highlight its importance.

• Firstly, having an FC is mandatory for all vehicles in India. Commercial vehicles must always have an active certificate. If a vehicle owner fails to present the FC during an inspection, he/she may have to pay penalties.
• Secondly, the FC is essential because it ensures that the vehicle is mechanically sound and safe to drive on Indian roads. The certificate is issued only after the vehicle has undergone a thorough inspection to assess its mechanical condition.
• Thirdly, vehicular pollution is a significant problem in India, and old vehicles are major contributors to this issue. An FC makes sure that old vehicles do not lead to environmental pollution. Older vehicles produce harmful emissions. Hence fitness certificates are not issued for such vehicles, thereby ensuring that they do not ply on roads.

Lastly, obtaining an FC saves vehicle owners from troubles such as non-compliance penalties imposed by the concerned authorities.

How to Apply for a Vehicle Fitness Certificate

Online

These are the steps to apply for a vehicle fitness certificate online:

• Go to the Parivahan portal’s authorised website.
• Select the "Vehicle-Related Services" option in the Online Services section and click on it.
• Choose the state of residence from the dropdown menu.
• Enter the vehicle registration number on the following page and click on "Proceed."
• Select "Apply for Fitness Certificate," read the instructions, acknowledge them, and click on "Proceed."
• Enter the vehicle chassis number and registered mobile number and click on "Generate OTP."
• View the vehicle details after entering the OTP and verify them. Fill in the vehicle insurance details and click on "Payment."
• Pay the applicable fees using digital payment modes.
• You will receive an application number; you can download an online receipt for future reference.

Visit the RTO with the vehicle and necessary documents and undergo vehicle inspection. The RTO may suggest repairs if there are any defects or technical faults. Based on the result of the inspection, the RTO will issue the FC.

Offline

To obtain a Fitness Certificate offline, you can download the necessary forms from the government’s online portal or obtain them from the RTO.

• After filling out the forms and attaching the required documents, submit them to the RTO and pay the fees.
• On the date assigned by the RTO, you must bring your vehicle for inspection.

You also can renew your certificate offline. To renew the certificate offline, download the forms from the government website or get them from the RTO, fill them out, submit the documents, and pay the applicable fees.

Documents Required to Apply for Vehicle Fitness Certificate

Certain documents are necessary to obtain a new vehicle’s fitness certificate. These include:

• A Letter of Intent from the State Transport Authority for commercial passenger vehicles
• temporary registration, if any
• a valid insurance certificate
• a valid pollution certificate
• the prescribed fees
• a Roadworthy Certificate in Form 22
• Sales Certification Form 21
• Form 20

When renewing the fitness certificate of a vehicle, the necessary documents include

• a duplicate fitness certificate if required
• a prescribed fee
• road tax clearance proof
• registration certificate
• Form 25

A duplicate fitness certificate gets issued if the original certificate is lost, stolen or damaged. To obtain a duplicate certificate, the requisite fees, an application on plain paper stating the date of issue/expiry of the certificate of fitness (CoF), a challan clearance from the transport department and traffic police, a photocopy of the fitness certificate if available, a tax clearance report from the account branch, and a police report is required.

Updated on 27-03-2025

Tinted glass is a popular addition to cars in India because it protects car interiors from external environmental factors. However, there are strict rules surrounding the use of tinted glass in vehicles in India, and violating them can result in fines and penalties.

In this article, we will essentially explore in detail the rules and regulations surrounding tinted glass in India, the fines and penalties for adding them to vehicles, and how tinted glasses can affect car insurance. We will also provide you with some of the popularly known tips on how to remove the tinted film from your car.

What are the Car Window Tinting Laws in India?

The government regulates the car window tinting laws in India under the Central Motor Vehicle Rules (CMVR) of 1989. The Rule 100 (2) states that-

1. The visible light transmission or VLT for a car has to be under 70% for the front windshield and rear window. 
2. The VLT for side windows is limited to less than 50%. 

In a landmark judgment of the Supreme Court of India that came in 2012, any material that covers car windows, irrespective of its visible light transmission levels, was prohibited. 

Black Film in Car Window Penalty: What is the Fine for Tinted Glass in a Car?

One cannot use tinted glass as per Indian law, and a fine of Rs 100 is imposed for the first offence of using car glass film not approved by the RTO.

• Repeat offences lead to harsher consequences, and in 2019, 1.32 lakh cars were fined Rs 2.64 crores for violating this law.
• The RTO has laid down several rules and regulations that every law-abiding individual must actively follow to drive cars legally on Indian roads. Violating these rules (especially for repeat offences) can always potentially result in fines and penalties. Thus, it is vital to follow RTO rules to avoid penalties and maintain legal status while driving on Indian roads.
• Before using window tinting, it is essential to be aware of the applicable legalities. The RTO-approved sun control film for car prices may vary as different manufacturers and car décor shops offer various options in terms of quality. It would be wise to know the rules before spending money and getting caught in legal issues.
• Using high-quality sun control films that comply with the RTO’s rules can help reduce heat and glare and provide privacy without breaking any laws.

As a car owner, it is essential to ensure that you comply with the law to avoid being penalised and facing legal consequences while driving on Indian roads. Being informed and following the rules can help ensure a safe and hassle-free driving experience for everyone on the road.>

Why Are Tinted Windows Not Allowed in India?

• Manufacturers of sun shades for vehicles are urging the Indian Transport Ministry to lift the Supreme Court ban on tinted glasses in vehicles.
• In 2012, the Hon’ble Supreme Court of India strictly banned the use of tinted films in vehicles due to several cases of crimes committed against women inside vehicles with tinted windows.
• Currently, only car windows that the manufacturers have tinted are allowed.
• While some popularly known manufacturers of tinted films have presented new technology that allows for greater visibility, Transport Ministry officials are not willing to compromise on their stand against tinted glasses
• The Transport Ministry will only allow such glasses for security purposes, subject to permission from the Home Ministry and the police.
• Poor visibility is another primary reason behind the ban on tinted glass for vehicles

Does Sun Film for Cars Impact Car Insurance?

Car owners often wonder whether having tinted windows can affect their car insurance premiums or claims. If the tinted film on the windows exceeds the limits specified by the RTO, car owners may face difficulties claiming motor insurance.

It is important to note that tinted windows do not affect the process of buying a comprehensive car insurance policy. However, when it comes to making claims, non-compliant tinted glasses can lead to claim denial.

Despite the previous directive of the Supreme Court and the traffic police's efforts to prevent the use of tinted vehicles, cars and buses with dark glasses are still visible. As a result, the Union Road Ministry has written to the Insurance Regulatory and Development Authority of India (IRDAI) to prevent owners of vehicles with windows and windscreens darker than the permissible limit from claiming insurance. The aim is to crack down on vehicles with tinted windows to reduce crime.

Many believe that the regulation will be beneficial from a safety perspective, and vehicle owners will take the guidelines on tint more seriously. On the contrary, many others believe this move may not be useful because some car owners may remove the film of their vehicles after an accident to claim insurance.

Traffic police believe that the directive will make their job easier, but they need the infrastructure to check the exact percentage of light transmission of factory-fitted tint on vehicles.

How to Remove Tinted Film from Your Car?

There are various methods available to remove window tints from your car. The first method involves using a hairdryer or a heat gun to melt the glue, which makes it easier to peel the tint away. After melting the glue with the heat, you can use a clean towel to rub away the adhesive and then wash the windows with cleaner.

• Another method is to use a fabric steamer to melt the glue and remove the tint. This method also allows you to clean the upholstery of your car.

• The next method is the solar peel. You will require a spray bottle containing soapy water, a couple of black plastic garbage bags, another spray bottle of ammonia, and a tarp. You need to spray soapy water on the outside and quickly cover it with one of the bags. You can then spray ammonia on the inside of the window, cover it with the second bag, and allow it to bake in the sunlight for at least 20 minutes before removing the bags.

• The fourth method involves using old newspapers to remove the tint. You can wet the tint film with hot, soapy water and cover it with newspaper. One can proceed to meticulously remove the tint by utilising long strokes. If the film doesn't come off easily, you can soak it for another half hour.

• The final method is to peel the film away using a razor blade. After peeling the film, you need to remove the leftover glue.

What Are the Alternatives to Sun Films for Cars?

Detachable sun shades made of mesh are an affordable and safe option for blocking UV rays, light, and heat while reducing visibility from outside the car. They come with vacuum suction to attach to the glass but can be inconvenient to remove and put back when rolling down the windows.

Retractable drop shades are a more sophisticated option and roll up and down with the window glass, providing a premium feel to the cabin. Clear films are the best option for minimising light and heat, and 3M’s CR-70 is a good option as it allows complete visibility without being too dark. Indian law permits manufacturer-fitted films, and better than having nothing to protect the car’s interiors.

A new solution introduced in the Indian market is Dark Green UV Cut Glass. This reduces the thermal load inside the cabin and eliminates more than 82% of UV radiation while complying with Indian regulations. This is RTO-approved, making it a viable alternative to other options.

While several options are available in the market, it is always important to consider the cost, convenience, and legality before making a choice.

FAQs on Car Window Tinting in India 

1. Is car window tinting legal in India?

No, car window tinting is not legal in India and is regulated by certain visibility measures. 

2. Can I use transparent films for UV protection?

No, any film or coating available in the market is prohibited. 

3. Can I use curtains or blinds for my vehicle? 

Curtains and blinds are allowed for cars only when it is not moving. 

4. Is car tinting allowed for medical reasons?

  As of now, the Supreme Court has not granted any exemptions for car tinting based on medical reasons.

5. How to check if my car complies with VLT rules?

You can consult the manufacturer or your car insurance policy provider or test VLT with equipment available at authorised centres. 

Conclusion

Tinted glass is a popular addition to cars in India. However, strict regulations surround the usage of tinted glass in India, and violating them can result in fines and penalties. According to Indian laws, car windows must have minimum visibility for front, rear, and side windows, as well as windshields.

Any modifications that reduce visibility below this level are considered illegal. While some popularly known manufacturers of tinted films have presented new technology that allows for greater visibility, the Transport Ministry is determined to prioritise national security and women’s safety. As a result, the only car windows currently allowed to be tinted are those the manufacturers have tinted.

 It is important to be aware of the applicable legalities before opting for window tinting. Violating the RTO's rules and regulations can land you in a legal tangle. Hence it is vital to follow these rules to maintain legal status while driving on Indian roads.

Furthermore, non-compliant tinted glasses can lead to claim denial in case of a car insurance policy claim, so it is important to ensure that you choose tinted windows in compliance with the law.

Hyderabad, the capital of Telangana, is known for its rich cultural heritage, food, and of course, its traffic. In case you are a resident or a visitor to the beautiful yet populous city of Hyderabad, we’re going to talk about something that’s very close to our hearts (and wallets): The Hyderabad traffic challan. Yes, we all know how frustrating it can be to be at the receiving end of the “Hyderabad police challan.” Hyderabad Traffic Rules are enforced strictly by the traffic police to ensure the safety of the commuters on the road.

But fear not. In this blog, we’ll take you through everything you need to know about Hyderabad traffic rules and Hyderabad traffic fines. We’ll also give you a step-by-step guide on how to pay your Hyderabad challan, both online and offline, and how to check your e-challan status. So, buckle up, and let’s dive into the world of Hyderabad traffic challans!

Hyderabad Traffic Rules

The following is a list of important Hyderabad traffic rules that all drivers should follow:

Hyderabad Traffic Fines

The city is notorious for its heavy traffic, which often leads to violations of traffic rules and regulations. To discourage such violations, the Hyderabad Traffic Police Department has implemented a system of fines for offenders. The following table shows the various traffic violations and the corresponding fines imposed by the Hyderabad Traffic Police Department:

Are you tired of feeling like you are paying for car insurance that does not quite fit your needs? Maybe you are looking for coverage that specifically protects your car from damages caused by your actions without involving a third party. Or perhaps you are simply overwhelmed by the sheer number of car insurance policies out there, each with its jargon and fine print. Well, take a deep breath and relax because we are here to help. In this article, we will be diving into the world of standalone own-damage car insurance policies to help you understand what’s in it and what’s not covered.

What is Standalone OD Car Insurance?

Standalone own damage insurance is a type of car insurance policy that provides coverage for damage to your vehicle caused by events such as an accident, theft, fire, or natural disaster. The Insurance Regulatory and Development Authority of India (IRDAI) introduced the concept of standalone own-damage insurance in September 2018 to increase consumer choice and provide more flexible coverage options. However, you can avail of this coverage if your car has active third-party liability insurance.

How Standalone OD Car Insurance Works?

If you’re still a bit confused about own damage insurance meaning, let us dig deeper. For those unfamiliar, "own damage" (OD) refers to the harm done to your own property (in this context, your car). If your insurance has an OD clause, it will pay to fix your automobile if it is damaged. It's also possible to refer to this kind of insurance as "own damage" (OD) coverage, which stands on its own. However, third-party liability insurance refers specifically to a policy that does not provide coverage for the policyholder's damages but only covers damages to third parties. For instance, if you accidentally ram your vehicle into your neighbour's car, your auto insurance will pay to fix your neighbour’s automobile. But you will end up paying for the cost of repairing your own vehicle. 

This is where a standalone OD insurance policy is handy and helps you save money.

Why is Own-Damage Car Insurance Important?

While third-party insurance covers liabilities towards others, it doesn't account for damages to your vehicle. Repairing or replacing a damaged car can be financially burdensome. Own-Damage four-wheeler insurance ensures that you are not left bearing these costs alone. It provides peace of mind, knowing that in case of accidents, natural disasters, theft, or other unforeseen events, your financial interests are protected. Moreover, with the increasing complexity and cost of modern vehicles, having an OD cover becomes even more crucial to safeguard against substantial out-of-pocket expenses.

Who Should Buy a Standalone Own Damage Car Insurance?

Standalone Own Damage Car Insurance is ideal for:

• New Car Owners: Protecting a new vehicle from unforeseen damages ensures its longevity and maintains its value.
• Owners with Existing Third-Party Insurance: If you already have a third-party liability policy, adding a standalone OD cover provides comprehensive protection for your vehicle.
• Owners of High-Value Vehicles: Luxury and high-end car owners benefit significantly from OD insurance due to the higher repair and replacement costs associated with such vehicles.
• Individuals in High-Risk Areas: If you reside in areas prone to natural calamities, theft, or vandalism, an OD policy offers essential protection against these risks.

Essentially, any car owner looking to safeguard his vehicle against potential damages and financial losses should consider investing in a standalone own-damage car insurance policy.

What is Covered in OD Car Insurance Policy?

The own damage coverage includes:

● Accidents:

The standalone OD policy covers the repair and maintenance costs incurred as a result of your car's involvement in a collision or accident within the specified geographical boundaries.

● Theft:

Four-wheelers are a significant investment; a theft could cause serious financial hardship. Nevertheless, you can cover this financial loss with car insurance up to the insured declared value. However, keep in mind that you are only eligible for compensation if the insured vehicle gets stolen in its entirety and not just its components.

● Man made calamities:

Human-caused disasters such as riots, vandalism, or terrorism are unavoidable situations that can potentially harm property such as a house or a four-wheeler, as well as lead to unfortunate deaths. If your car gets damaged in such an event, your standalone car insurance policy will pay for the repairs of your vehicle.

● Natural calamities:

Events such as earthquakes, tsunamis, floods, or other similar unavoidable disasters can cause damage to your four-wheeler. However, with standalone car insurance, you won't have to worry about the extra costs.

Hence, own damage car insurance policy offers peace of mind and provides coverage for unforeseen circumstances.

What's Not Covered in Own Damage Car Insurance Policy?

Some key exclusions under own damage insurance are-

• If you intentionally cause damage to your own car or someone else's property, your insurance does not cover the costs.
• If you are using your car to commit a crime or activities prohibited by the government, your insurer may not cover any resulting damage or injuries.
• If you are driving under the influence of drugs or alcohol, your insurance provider may not cover any resulting damage or injuries.
• If you use your car for racing or other high-risk activities, your insurer may not provide coverage for any resulting injuries or damage.
• If you have made modifications to your car that your insurance company does not approve, your policy may not cover any resultant loss or injuries.
• If you use your car for commercial purposes, such as delivering goods or transporting passengers for hire, your personal car insurance may not cover any consequential injury or loss.
• Your insurance provider may not cover damage to your car due to normal wear and tear, such as mechanical breakdowns or routine maintenance issues.
• Accidents involving your car that result from a minor driver's negligence or a person who does not have valid insurance will not be covered by the insurance.

Compare: Third Party, Own Damage & Comprehensive Car Insurance

Understanding the differences between various four-wheeler insurance policies is crucial for making an informed decision.

What is the Own-Damage Car Insurance Premium?

The own damage car insurance premium is the amount you pay the insurer to avail coverage for damages to your vehicle. This is determined based on various factors, including the vehicle's Insured Declared Value (IDV), make and model, age, geographical location, and selected add-ons. The premium reflects the level of risk associated with insuring your vehicle against potential damages.

How is Own-Damage Car Insurance Premium Calculated

You can determine the premium for your car by applying the following formula:

Insured Declared Value X [Premium by insurer] + [Add-Ons costs] – [No Claim Bonus]

The insured declared value (IDV) is the maximum amount of compensation you can receive if your four-wheeler suffers irreparable damage or gets stolen. You can determine the IDV by deducting the depreciation cost from the original listed price.

Other factors insurers consider while determining the premium costs include:

• Age of the car:

Older cars generally have lower premiums as they have lower market values, while newer cars are more expensive to repair or replace, leading to higher premiums.

• Make and model of the car:
• Certain car models are more expensive to repair or replace, which can lead to higher insurance premiums.
• Driving history:

If you have a history of traffic rule violations, the premium for car insurance will be higher.

• Location:

Insurance premiums can vary based on where you reside, as areas with higher rates of thefts or accidents have higher insurance premiums.

• Usage of the car:

Cars that are used for business purposes or driven more frequently may have higher insurance premiums than cars used for personal purposes and driven less frequently.

• Safety features:

Cars with advanced safety features such as anti-lock brakes, airbags, and anti-theft devices may qualify for discounts on insurance premiums.

As the number of vehicles grows, the cases of road mishaps and thefts of four-wheelers have become common with each passing day. A standalone own-damage policy protects your car from any unfortunate event, relieving you of financial stress.

How to Reduce Own Damage Car Insurance Premium Amount?

While it is essential to have adequate coverage, there are ways to reduce your standalone own-damage car insurance premium:

1. Maintain a Claim-Free Record: Accumulate No Claim Bonus by avoiding claims for minor damages.
2. Choose a Higher Voluntary Deductible: Opting for a higher deductible reduces the premium, but you'll have to pay more out-of-pocket in case of a claim.
3. Install Anti-Theft Devices: Certified security devices can lower the premium due to reduced theft risk.
4. Limit Add-On Covers: Select only necessary add-ons to avoid inflating the premium.
5. Compare Policies: Shop around and compare premiums from different insurers to find the best deal.
6. Renew Policy on Time: Timely renewals prevent policy lapses and potential loss of benefits like NCB.

Factors Affecting Own Damage Car Insurance Premium

The calculation of the own-damage car insurance premium takes into account several key factors:

1. Insured Declared Value (IDV): This represents the current market value of your car. A higher IDV leads to a higher premium.
2. Vehicle's Age: Older vehicles have lower IDVs due to depreciation, resulting in lower premiums.
3. Make and Model: Luxury and high-end cars attract higher premiums due to increased repair and replacement costs.
4. Geographical Location: Areas with higher incidences of theft or accidents may lead to higher premiums.
5. Engine Capacity: Cars with larger engine capacities may have higher premiums.
6. Add-On Covers: Opting for additional covers like zero depreciation, engine protection, or roadside assistance increases the premium.
7. No Claim Bonus (NCB): A discount offered for claim-free years, reducing the premium.

As per the provisions of the Motor Vehicles Act, car insurance is compulsory in India. But if one does not drive his/her car much or owns more than one car, it can become a financial burden. If you're wondering about a solution, read on to know more.

To avoid paying hefty insurance premiums in such situations, you can avail of pay as you drive car insurance. This innovative policy has gained popularity, which we will explore in detail in this article. We will explain how pay as you drive car insurance works, its features, inclusions, and exclusions. We will also look into tips to lower the premium with pay as you drive car insurance. By the end of this article, we hope to provide a comprehensive understanding of pay as you drive car insurance and its benefits to help our readers make an informed decision regarding this policy.

What is Pay as You Drive Car Insurance?

This implies “usage-based” car insurance. It allows one to pay for insurance based on the distance a person drives and how frequently he/she uses the vehicle, rather than a flat fee. This means that those who drive their cars less pay a lesser amount as a premium, which can be beneficial for those who do not use their cars frequently. It is also known as pay as you go car insurance or pay per mile car insurance.

In India, the Insurance Regulatory and Development Authority of India (IRDAI) has allowed insurers to introduce tech-enabled concepts, including pay as you drive car insurance. One of the key advantages of PAYD car insurance is that it benefits those who do not use their car frequently. For instance, people who work from home, use public transport, or have multiple vehicles may not need to use their car frequently, resulting in lower premiums for them. PAYD car insurance can also benefit those who drive safely and follow traffic rules, as they can avail of discounts on their insurance premiums.

In addition, PAYD car insurance can encourage responsible driving behaviour as drivers become more aware of their driving habits and strive to drive more safely and cautiously. This benefits the driver and other road users, making roads safer for everyone.

Overall, pay per mile car insurance is a useful innovation in the world of car insurance that can provide benefits for both drivers and insurers. It provides a fairer way of determining premiums and encourages responsible driving habits, making it a win-win for everyone involved.

How Does Pay as You Drive Car Insurance Work?

Pay as you go car insurance is an excellent policy for individuals who don’t frequently drive or have low mileage, as it allows them to save money on their car insurance premiums. Although this policy provides the necessary third-party liability coverage for the duration of the plan and also covers own damage, the coverage is dependent on the distance travelled.

The premium for pay per mile car insurance is calculated based on the number of kilometres driven by the driver. If a person drives the car for less than 15,000 km in the relevant year, the insured is eligible for the PAYD policy. The number of miles or kilometres travelled is determined through odometer readings declared by the insured.

Those eligible for a pay as you drive car insurance plan can also avail of a discount of up to 10% on their “own-damage” insurance premium. The claim settlement process for the PAYD plan is similar to any other car insurance policy.

Overall, pay as you go car insurance is an excellent option for those who do not frequently use their vehicles. It is important to note that if the insured exceeds the specified mileage limit, the person may have to pay an additional premium. Therefore, it is essential to calculate the estimated mileage beforehand to avoid any surprises in the future.

Features of the Pay As You Drive Car Insurance Policy

The PAYD policy is a significant instrument for those who do not drive much or own more than one car. This type of plan helps these people save significantly on their insurance premiums. The notable features of the PAYD insurance plan are:

• The premium payable is calculated based on the distance the insured car travels. Hence, the policyholder only pays for the distance he/she drives, making it an ideal option for those who drive occasionally.
• Odometer readings determine the number of kilometres travelled; this is usually declared by the insured.
• Under such a policy, insurers offer a discount on the premium on the frequency of the vehicle's usage and how many miles the car has travelled.
• PAYD policyholders can customise their policies according to their driving habits and preferences.
• Since PAYD is usage-based, it is cost-effective compared to traditional car insurance policies.
• This policy provides coverage for your own damage and also third-party liability coverage.
• PAYD insurance policies promote eco-friendly driving by encouraging drivers to drive less, which helps reduce carbon emissions.

PAYD policies offer a valuable alternative to traditional car insurance plans. The customisable features of PAYD policies provide a flexible and cost-effective solution for those who want to pay a premium based on their actual usage.

The Indian law mandates that all car owners in India have a third-party insurance policy. This reduces the policyholder’s financial responsibility for any harm a third party suffers due to the insured car. A surveyor will examine the damages and verify the repair costs before the insurance company pays the claim.

A comprehensive car insurance policy is a package that covers both parties involved in an accident. It provides comprehensive coverage for damages to the insured car and third-party liabilities and policyholders. While it is not mandatory, a comprehensive policy compensates for third-party liabilities from accidents caused by the policyholder.

Difference between CTP and comprehensive cover

Comprehensive insurance comes at a higher price but provides complete coverage. Its salient features are listed below:

• Complete coverage for both parties involved in an accident
• Offers additional add-ons
• No claim bonus if a policyholder doesn't make a claim in a policy year

Third-party car insurance is a basic policy that covers the following:

• Offers protection to a third-party car or person who met with an accident involving you
• Personal accident coverage for your injuries, but it doesn't cover the damages to your car
• Premium rate is low and pre-determined by the IRDAI, making it a cheaper option
• Suitable for those driving an old vehicle or people who drive their car less often
• Doesn't offer any customisation options or add-ons

Although the premium is comparatively higher than a third-party insurance policy, a comprehensive car insurance plan provides a wider scope of coverage.

Is compulsory third-party cover included in comprehensive insurance?

A comprehensive motor insurance policy integrates third-party coverage.

• Comprehensive car insurance combines both third-party and own damage or first-party insurance
• Actively provides complete protection for third-party liabilities and offers coverage for damages to the insured car from various causes like accidents, falling objects, fire, and vandalism
• Covers damages to third-party property and accidental physical injuries
• Covers damages to the insured car from natural disasters, such as cyclones, floods, earthquakes, and man-made disasters like thefts
• Provides add-on covers like engine protection, medical expenses, accessories cover, and zero depreciation cover to increase the scope of coverage
• You don’t have to purchase third-party insurance as a separate policy

Are you tired of the limited coverage your third-party car insurance policy provides? Do you want to broaden the protection for your vehicle and yourself? Well, converting to a comprehensive policy might just be the solution you need! However, before making the switch, there are crucial factors you need to consider. In this article, we will guide you through the changes you must remember while converting to a comprehensive policy. We will also walk you through the simple process of switching your insurance policy and getting the coverage you deserve.

Consider changes while switching to comprehensive policy

When considering switching from a third-party car insurance policy to a comprehensive one, there are a few important factors to keep in mind. 

• Premium cost:

A third-party policy only covers liabilities related to third-party involvement in an accident in car insurance. It includes third-party property damage, injuries, and legal liabilities. However, it does not cover the car's damage. Switching to a comprehensive policy offers broader coverage. Understandably, with an increased scope of coverage comes an increased cost. The premium cost depends upon factors like make and model, riders, age of the vehicle, etc.

• Coverage scope:

In terms of coverage, a comprehensive policy will protect your car from damage caused by natural calamities, fire, vandalism, and theft. If your car gets stolen, it is crucial to inform the insurer and the police as soon as possible. Make sure you obtain a non-traceable report from the police, as it is necessary during the claim processing.

• IDV is crucial:

When setting the IDV for your car, ensure that it is accurate and reflects the current market value. This is the maximum amount your insurer will pay in the event of theft or severe damage to your vehicle. Deductibles are key considerations because they are the amount you must pay out of your pocket at the time of claim settlement.

• NCB:

If you renew your comprehensive car insurance policy without raising a claim, you will be eligible for a No Claim Bonus (NCB), which helps in saving money on your policy premium. It can be as high as 50% for the fifth consecutive year of no claims.

Process to switch your insurance policy

Switching from a third-party policy to a comprehensive one is a great pick. The process is easy, and you can do this online. Let’s go over the steps.

• Begin by researching and comparing policies offered by various insurance providers. Once you have selected a provider, navigate to their car insurance page and enter your car number. 

• Skip the past policy number section and proceed to buy a comprehensive policy. It is vital to accurately set the car’s Insured Declared Value (IDV) and purchase any additional coverage or add-ons you may require. Be sure to read the policy’s terms and conditions carefully before making a payment.

• Depending on your insurer, your vehicle may be subject to a thorough inspection prior to policy issuance. If an inspection is necessary, you will need to choose a date.
  

• After your application is approved, you will receive your motor insurance policy in your mailbox within a few days.

Remember, inspections may not be necessary for each renewal, but keeping your insurer updated on any changes to your vehicle or driving habits is vital.

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.

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.

Long road trips are the best way to unwind from the hubbub of daily life, exploring the unknown and enjoying the sense of freedom new destinations offer. However, planning a road trip requires preparation, including certain important documents, so you can experience a comfortable journey without any legal troubles.

Beyond choosing a car that is suitable for the long drive, there is a list of essentials that you must carry. The most important in this list are the critical paperwork, including driver’s licence, car registration certificate, PUC, car insurance, Aadhar card, passport, international driving licence and permits for specific states. Find out more about this checklist and all that you need to enjoy a smooth and comfortable road adventure.

List of documents to keep while going for a long drive/road trip

You should be sure to keep these documents handy for a road trip:

• Driver's licence
• Your driver's licence is important to have during a road trip. Your driving licence not only confirms your driving skills but also provides you with lawful permission to drive an automobile. Make sure you carry a valid driving licence with you at all times.
• Car’s registration certificate

The Registration Certificate (RC) is another crucial piece of paper you should keep. It verifies the ownership of the automobile and holds required information like the chassis number, engine number and vehicle registration number.

• PUC (Pollution Under Control) certificate

The Indian government demands that all automobiles must possess a valid Pollution Under Control (PUC) Certificate. This certification signifies that your vehicle’s emissions are within acceptable limits. It is essential to obtain a PUC certificate from an authorised emission testing centre and keep it with you during your road trip.

• Four wheeler insurance certificate

Four wheeler insurance is a mandatory document for protecting yourself and your vehicle against unpredictable occurrences. This record acts as car insurance coverage proof and can be helpful in possibilities of third-party damage or lawful matters. Hence, you should at least select a third party car insurance policy for coverage in case of third-party casualties or property damage.

• Aadhaar card

Your Aadhaar Card is a unique identification record provided by the Government of India. It has your name, residential address, and other essential information. While it might not be directly related to your car, carrying your Aadhaar Card can be helpful in identification during your road journey.

• Passport

Carrying your Passport is necessary if you are planning an international road trip or touring neighbouring nations. Ensure you have a valid Passport, and keep a photocopy of the required pages. A Passport gets accepted as identification proof internationally.

• International driving licence

If you are a global traveller planning to visit India, an international driving licence is obligatory to drive an automobile lawfully. This licence is a combination of your home country's driving licence and is acknowledged internationally.

• Permits

Some Indian states require additional permits for your vehicle to enter their territories. For example, the state of Arunachal or areas like Ladakh require inner-line permits (ILP). 

Things to check before going on a road trip

These checks ensure your car is ready to cover the long journey:

1. Car battery: Check that the car battery is functioning properly. Ensure the electrical wirings and system are in the right condition.
2. Tyre pressure: Ensure the right levels of pressure in all the tyres of your car, even the spare one. They should not be overinflated or underinflated.
3. Fuel level: Always fill your fuel tank completely before starting on a long road trip.
4. Fluid levels: Besides fuel, check engine oil and brake oil, along with the transmission, power steering, radiator and windscreen fluid.
5. Coolant: Check the coolant levels to avoid engine overheating.

Conclusion

As you plan your next road trip, remember to maintain all the necessary car documents for a secure and hassle-free journey. From your driving licence to RC, passport to PUC, these documents can be required at any time of your trip. Especially a third party car insurance policy, in case of an unfortunate incident that requires coverage of third-party damage. With these records in order, you can approach your road journey 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.

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:

Types of hybrid electric cars

In the pursuit to achieve maximum efficiency with the lowest possible carbon emission, automobile companies are constantly developing newer types of hybrid cars. At the moment, there are five types of hybrid electric cars in India.

1. Parallel hybrid:

This is the most common and popular design of hybrid cars. Here, the vehicle power is derived from both the combustion engine as well as the electric motor engine run by batteries. In a parallel hybrid car, both engines can operate simultaneously, or one of them kicks in when there is a need for additional power. For example, while driving on a steep track or hilly terrain. Since the electric motor and the combustion engine are connected to the gearbox such that they are parallel to each other, these cars are called parallel hybrid cars.

2. Series hybrid:

Similar to other hybrid cars, a series hybrid car has two sources of vehicle power—the combustion engine and the electric motor. So, why the specific categorisation? The answer lies in the operating functions of the two sources. In a series hybrid, the propulsion of the vehicle is not done by the internal combustion engine. The combustion engine is used for generating electricity to recharge the batteries only. The recharged battery pack runs the electric motors which run the car.

3. Plug-in hybrid:

Plug-in hybrid electric cars in India come with a significantly large battery pack—almost like the ones used in complete electric vehicles. This battery pack needs to be charged by plugging into an external source of electricity. The large amount of energy thus produced is like a petrol or diesel tank. This extends driving power using electric energy and reduces the consumption of combustion fuels by major amounts. In case, the electric energy exhausts, the car shifts to operate like a parallel hybrid. Thus, you get super-high electric mileage, low environmental pollution and the added backup of operating using a combustion engine as and when required.

4. Mild hybrid:

Although there are several benefits of using an electric vehicle or hybrid electric vehicle, it is not easy to afford one. The automobile industry is making evident efforts to make hybrid cars affordable for all. In such a scenario, mild hybrid cars are pathbreakers. The objective of mild hybrid electric cars is to gain better fuel efficiency while being compliant with emission norms. In this type of hybrid car, while the car primarily runs on the combustion engine, the electric motors assist the petrol engine to enhance efficiency as well as performance. In addition to this, the electric motor is also used as a starter for the function of automatic start/stop. This in turn helps reduce fuel usage.

5. Two-mode hybrid:

The two-mode hybrid electric cars function in two ways. In the first mode, the car runs like a usual hybrid car. In the second mode, the hybrid car adjusts how much the electric motor will function as per the different specific requirements of the vehicle, driving task, or traffic congestion.

Key components of hybrid electric cars

Some major components of the propulsion of hybrid cars are listed below:

• Auxiliary battery: The auxiliary battery in a hybrid electric car is used to start the car by providing electricity before the traction battery starts operating.
• Traction battery pack: The traction battery pack is where the electricity is stored to power the electric motors as well as recharge the electric generator.
• DC converter: DC converter converts the high-voltage power from the traction battery pack into low-voltage DC power. This power is used to run the accessories of the vehicle and to recharge the auxiliary battery.
• Electric generator: This generator generates electricity when brakes are applied on the rotating wheels. The power created from this electricity generation is transferred to the traction battery pack.
• Traction motor: The electric traction motor takes power from the traction battery pack and uses it to drive the wheels of the vehicle.
• Exhaust system: The exhaust system directs the engine's exhaust gases out of the tailpipe. The exhaust system's three-way catalyst lowers engine-out emissions.
• Power electronics controller: This device controls the electric traction motor's speed and torque by managing the flow of electrical energy supplied by the traction battery.
• Internal combustion engine: In this setup, fuel is pumped into the combustion chamber or the intake manifold, where it is mixed with air. A spark from a spark plug then ignites the air/fuel mixture.
• Thermal cooling system: The thermal cooling system keeps the engine, electric motor, power electronics, and other parts running within the right temperature range.

Advantages of hybrid electric cars

Hybrid electric cars are the future of the environment-friendly automobile sector innovation. They come with a wide range of advantages such as:

Low emissions: Compared to internal combustion engines, hybrid cars use both internal combustion and electric engines. As a result, emissions are reduced, making them highly beneficial in checking environmental degradation.

Reduced use of combustion fuels: Hybrid electric cars have electric motors that run on batteries. This reduces the load on the combustion engine and the use of fuels such as petrol and diesel.

Smaller combustion engine: Since combustion fuels do not have to run the whole vehicle, hybrid electric cars come with a smaller combustion engine compared to standard petrol or diesel cars.

The benefit of dual engines: Hybrid electric cars have the benefit of two engines. Subsequently, they offer higher fuel efficiency and much better performance.

Regenerative braking system: In a hybrid car, the electric generator produces electricity and recharges the battery every time the brake is used. As a result, until and unless the battery is completely exhausted, there is no need to stop the car to charge the battery.

Higher resale value: Given the ever-increasing price of petrol and diesel, and the continuous degradation of the environment, people are consciously moving towards hybrid and electric cars. Hence, the demand for such cars is high and so is their resale value.

Disadvantages of hybrid electric cars

Some of the cons of using hybrid electric cars include:

Compromised performance: Hybrid electric cars in India are in demand primarily because of fuel efficiency. Lower use of combustion fuels is the prime objective here. In doing so, aspects such as power and acceleration are often ignored.

Inefficient for long commutes: Since a hybrid electric car has low accommodation for combustion fuel, the remaining need for power is met by electric motors. Now, this setup is not the optimal one for long commutes or long-distance drive through the countryside or highways.

High price: This is a perennial issue with hybrid electric cars and electric vehicles in general. Most of them are quite expensive for the general public. Though automobile companies are trying to reduce the cost, still itis a long shot.

High cost of maintenance: Due to the numerous mechanical components and two types of engines that power hybrid vehicles, maintenance costs are still on the higher side. Additionally, not all mechanics are skilled or qualified enough to work on hybrid vehicles.

Popular hybrid cars in India

Here are some notable hybrid models available in the Indian market:

• Maruti Suzuki Brezza: Features a mild-hybrid system with fuel efficiency of 19.8–20.15 kmpl.
• Toyota Urban Cruiser Hyryder: Offers both mild and strong hybrid options, achieving up to 27.97 kmpl.
• Honda City eHEV: A strong hybrid delivering 26.5 kmpl with advanced driving modes.
• Toyota Innova Hycross: Combines a 2.0L petrol engine with hybrid technology, offering 23.24 kmpl.
• Maruti Suzuki Grand Vitara: Strong hybrid system with fuel efficiency up to 27.97 kmpl.
• Toyota Camry Hybrid: Premium sedan with a hybrid system, delivering 19.1 kmpl.
• Lexus NX: Luxury SUV available in hybrid and plug-in hybrid variants, with 16.7 kmpl.Toyota Vellfire: Luxurious MPV offering 16.3 kmpl and a range of up to 950 km.
• Maruti Invicto: Premium MPV with hybrid technology, achieving 23.24 kmpl

FAQs

Does buying a hybrid vehicle affect your insurance premium?

Irrespective of whether you buy a conventional combustion engine vehicle, a hybrid vehicle or an electric vehicle, car insurance is an absolute necessity. The engines of a hybrid car are different from conventional cars. So, in case you go for an engine-protect cover add-on, that will increase your vehicle insurance premium.

What is the difference between a hybrid car and an electric car?

As the name suggests, the hybrid car has two types of engines—the usual internal combustion engine and an electric motor. Meanwhile, an electric car is one or more than one battery-run electric motor(s) only.

What is a mild hybrid electric car?

Mild hybrid electric cars are designed to enhance fuel efficiency slightly so that emission compliance standards are met, without increasing the cost of the vehicle. Here the electric motor assists in improving the efficiency of the petrol engine, which in turn improves both fuel efficiency and performance.

How often do we need to replace hybrid batteries?

Usually, the batteries of hybrid electric vehicles last up to 24,000 km to 32,000 km. The exact lifespan of batteries varies from brand to brand.

Do hybrid cars automatically switch to petrol?

Usually, there remains an automatic gearbox in these hybrid electric cars which runs on the combined power sources of fuel power and electric power. Now, depending on factors like load, driving conditions etc. the automatic gearbox automatically switches between an electric motor and a petrol engine. However, it is not the same for every brand, make, and model. It is best recommended to go through the owner user manual for the operational features of the car.

Do hybrid cars need oil changes?

In hybrid cars, along with an electric motor, there is also an internal combustion engine which runs on fuel like petrol and diesel. So, yes, hybrid cars need regular oil changes.

What are the disadvantages of hybrid electric vehicles?

Sometimes there can be a lag in the performance. Apart from that, they are still expensive despite the efforts of the automobile industry’s innovations to reduce the cost. In addition, the maintenance cost of hybrid cars is quite high.

Conclusion

Hybrid cars are fuel-efficient vehicles and pocket-friendly options when compared to other transportation, which makes them a popular choice for Indian roads. If you are planning on shifting to this eco-friendly option, it is important to protect the purchase with a car insurance policy. Also, purchase a third party car insurance, which ensures that your vehicle and finances are well-protected. With the points discussed in this blog, you can educate yourself about hybrid cars and the correct insurance and play your part in driving India to a greener future.

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.

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.

Factors to consider before converting to EV

Here are a few things to keep in mind before converting your car to EV:

• Compatibility: All models of vehicles can not be converted into an EV. Assess the condition, age and structural integrity of your car.
• Legal Compliance: Ensure the conversion kit is ARAI-approved and the retrofitting is performed by authorised professionals.
• Insurance: Update your car insurance plan to reflect the modifications. Comprehensive car insurance is recommended to cover potential risks associated with the new electric setup.
• Performance Expectations: Understand that converted EVs may have different performance metrics compared to factory-built electric cars.

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 anytime 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 the brakes, 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 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 expensive 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:

What is the cost of converting a petrol car into an electric car in India?

While there is no fixed cost chart for the conversion of petrol cars to electric cars in India, retrofitting electric cores can be an expensive process. The exact cost of to petrol-to-electric car conversion varies from kit to kit. Several competitive electric vehicle kit manufacturers and retailers offer retrofittable electric car conversion kits and electric engine cores. On average, these electric car conversion kits cost between Rs 3 lakh and Rs 5 lakh.

FAQs

1. Is it possible to convert a petrol or diesel car into an electric car?

Yes, using retrofitting and an electric car conversion kit, a petrol or diesel car can be converted into an electric car.

2. Is changing car engines in India illegal?

To change car engines in India, you will first have to take permission for the same from your RTO. If the RTO approves, only then you can make the changes. Any other self-induced initiative to change car engines will be deemed illegal.

3. What is retrofitting?

Retrofitting is the process of converting your petrol or diesel-run car into an electric vehicle using an electric engine core and an electric car conversion kit. This involves changing or altering the original engine with a battery-operated engine and making other changes that are necessary to convert a petrol car to an electric one.

4. What is the average distance that can be covered by an electric car on one charge?

In general, an electric vehicle can cover a distance of 80 kilometres to 160 kilometres on one charge. High-end electric vehicles, like the one manufactured by Tesla, can run up to 320 kilometres on one charge.

5. How much does it cost to convert a petrol car into an electric car?

A fuel-run petrol or diesel car can be converted into an electric car by the means of retrofitting. On average, it costs between Rs 4 lakh and Rs 5 lakh.

6. How long does an EV take to get fully charged?

There is no standard answer to this query as the charging time for each vehicle will differ from company to company and model to model. Check the user manual of the vehicle or contact the vehicle dealer to know the answer.

7. How are electric vehicles better for the environment?

Unlike Internal Combustion Engine cars, electric vehicles do not run on fossil fuels such as petrol and diesel. The burning of these fuels causes major carbon emissions. Since electric vehicles run on electric motors and battery-source power, the carbon emissions stand significantly checked. Thus, electric vehicles help in restricting environmental pollution. Also, they produce less sound than the ICE car and help in checking noise pollution as well.

Conclusion

Converting your petrol or diesel car into an electric vehicle is a good option for those looking to shift to sustainable transportation, but do not want to purchase a new car. The initial cost of converting may seem a bit high, but in the long run, the reduced operational costs and environmental impact make it a decision that you will not regret. Ensure compliance with legal requirements, choose ARAI-approved kits and update your comprehensive car insurance to reflect the modifications. Not only does the type and coverage of your car insurance plan change, but the premiums change too. You may need to buy some add-ons or get a vehicle check conducted. Stay in touch with your insurance provider for any additional information during and after converting your car to an EV.

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.