DCT (Dual Clutch Transmission) vehicles are rapidly gaining popularity in the Indian auto market, especially for those who want a smoother and faster gear-shifting experience. DCT technology improves handling and enhances driving pleasure. Here, we will discuss the best DCT transmission cars under Rs 20 lakh available in India, offering the best combination of space, features, mileage, and performance.

Top DCT Cars Under 20 Lakhs In India

1. Kia Seltos DCT

Engine: 1.5-litre turbo petrol engine

Mileage: 16-17 km/l

Price: ₹18.5 lakh (approximately)

Features: The new Kia Seltos offers improved styling, great interior quality and modern features like a Bose sound system, panoramic sunroof and 10.25-inch touchscreen. For customers who want a stylish and powerful car, this is one of the best DCT cars in India.

2. Maruti Suzuki Fronx DCT

Engine: 1.0L Turbo Boosterjet Petrol

Mileage: Up to 20 km/l

Price: ₹ 13 lakh (approximately)

Features: The Fronx DCT is a new model from Maruti with a premium interior, SmartPlay Pro infotainment system, dual airbags, and other features. It is especially ideal for those who want a car with a sleek design and better mileage.

3. Hyundai Creta DCT

Engine: 1.5-litre turbo petrol

Mileage: 18 km/l

Price: ₹20 lakh (approximately)

Features: Hyundai Creta is a reliable and popular brand among Indian consumers. The Creta DCT features advanced features such as ventilated seats, ambient lighting, and a smart electric sunroof, giving it the feel of a luxury SUV.

4. Hyundai Venue DCT

Engine: 1.0-litre turbo petrol engine

Mileage: 18 km/l

Price: ₹12.5 lakh (approximately)

Features: The Hyundai Venue offers connected car technology, a sunroof, wireless charging, and cruise control. The Venue DCT provides smooth gear-shifting and a great driving experience, making it suitable for city traffic and long journeys.

5. Tata Nexon DCT

Engine: 1.2L turbo petrol

Mileage: 17 km/l

Price: ₹ 15 lakh (approximately)

Features: Tata Nexon DCT is a popular model that is great not only in terms of safety but also in terms of driving experience. Nexon offers a touchscreen infotainment system, connected car technology, and advanced safety features that make it suitable for every driver.

Conclusion

Brands like Hyundai, Kia, Tata, and Maruti are offering better options in DTC cars under 20 lakhs in India. All these cars have been designed keeping in mind the users' requirements. You can purchase car insurance online for your new car to cover accidents, theft, and damages.

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

The electric vehicle boom worldwide, including in India, has redefined the transport sector. Many people are opting for EVs over conventional cars, leading to robust growth in this industry segment.

Top Electric Cars under 15 Lakhs in India

The many advantages associated with electric vehicles mean that they tend to be costlier than petrol cars. EVs offset this high price by being low-maintenance assets. Here are the best options to consider if you are looking to buy the best electric car under 15 lakh:

• Tata Punch EV

The first electric car launched by Tata Motors in India, the Tata Punch EV lives up to its brand name by emerging as one of the best electric cars under 15 lakh. Spacious, even in its compact build, makes it comfortable while maintaining efficiency. The car is available in five variants, with the most advanced version comfortably placed under the Rs 15 lakh bracket. Tata Punch EV is a value-for-money buy due to its excellent performance and specifications.

• Tata Nexon EV

The Nexon is the first Indian high-voltage electric SUV and maintains its reputation by consistently delivering across all parameters. It remains among the country's best-selling electric cars, and its stylish design and impeccable performance rightly assert this dominance. Well built and classy, and boasting a range of futuristic features, the Tata Nexon is definitely the best EV car under 15 lakhs in India.

• Citroen eC3

The Citroen eC3 has often been hailed as the best EV car in its segment and one of the most affordable options. It offers comfortable ride quality, is sufficiently spacious and equipped with the latest technology. Perhaps the USP of the Citroen eC3 is its practicality, which allows for economical rides and effortless driving.

Conclusion

It is essential to review all options before buying a car. Also, ensure that you get a car insurance policy that provides maximum coverage in the event of an accident or emergency.

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

Car enthusiasts should be knowledgeable about most parts under a car’s bonnet. Importantly, they must be familiar with the role and functioning of some crucial components responsible for sound and heating. The car muffler is one such essential part, and any malfunction may require hefty visits to the repair centre. The car muffler is designed to reduce the noise emitted by the engine, enhance the efficiency of the exhaust flow, and ensure the efficiency of the vehicle. Hence, the muffler helps in keeping your car quieter and greener.

What is Meant by Car Muffler?

If a car starts making loud noises, and a new car driver doesn’t know the cause, they would take it to a mechanic who would point at the car muffler. The new driver is bound to ask, "What is a car muffler, and how does it affect this sound?"

A car muffler is a mechanical device installed in the exhaust system of the vehicle. Its primary task is to tone down the noise of the engine exhaust gases, thereby enhancing engine efficiency. As the exhaust gases are thrown out through the combustion chambers of the engine, they pass through the muffler, which uses its sound-deleting chambers to reduce the engine's loud noises. Given the high temperatures and corrosive nature involved, mufflers are usually manufactured from either stainless steel or aluminium-coated steel.

Various Types of Mufflers for a Car

Several types of mufflers are available to serve the different needs for a car:

• Chambered Mufflers: These have internal chambers inside the casing where sound waves are reflected to dampen the noise.

• Turbo Mufflers: The design is more restrictive for higher sound damping. They are generally used in older cars.

• Straight-Through Mufflers: It contains a perforated pipe with sound-absorbing material wrapped around it, allowing less resistance and a more aggressive note.

• Resonator Mufflers: These work in conjunction with the main muffler to fine-tune the exhaust notes and dissipate some of the frequencies.

• Glass Pack Mufflers: These have a straight pipe with fiberglass wrapping to dampen noise and are usually fitted in high-performance cars.

How Does a Muffler Work?

The fundamental concept of using a muffler is to make it work on simple acoustics. 

• Sound Reflection: Every muffler has a couple of chambers or tubes that cancel and reflect the sound waves generated by the exhaust gases.

• Sound Absorption: Some mufflers are lined inside with sound-absorbent materials, including fibreglass. 

• Pressure Equalisation: Mufflers equalise the pressure of the exhaust gases to ensure smoothness of flow with the least back pressure.

• Noise Reduction Chambers: The chambers within a muffler are positioned to reflect sound waves so that their phases cancel each other out.

• Exhaust Gas Direction: The muffler diverts the exhaust gases out of the car and away from the driver and passengers.

Benefits of a Car Muffler

The car muffler contributes to several advantages in vehicle performance and user experience:

• Higher Fuel Economy: A good muffler ensures the engine functions more effectively, thereby improving fuel economy.

• Loud Reduction in Engine Noise: A muffler plays a vital role in reducing engine sound emissions, thus making the ride comfortable.

• Improves Horsepower: A good muffler can be utilised to enhance overall engine performance by allowing for better airflow.

• Harmful Emissions Reduction: Mufflers reduce the volume of toxic gases emitted into the air by vehicles, rendering them more environmentally compatible.

• Provides Vehicle Longevity: Through noise control and emission, the muffler takes better care of the overall health of the vehicle.

Common Problems in a Muffler

Mufflers can be beset by problems at the latter stages, and the standard ones are:

• Rust and Corrosion: With time, these may eventually set in, especially if the muffler is exposed to moisture and salt. Rust and corrosion starts causing leaks.

• Loose Components: With time and owing to wear and tear, some of the parts inside the muffler get loose. These cause rattling noises, which can be a nuisance.

• Clogged Muffler: A muffler clogs up from the soot and dirt that builds up inside it. This hinders its efficiency in noise and emission reduction.

• Broken Hangers: In most cases, hangers hold up the muffler. When they break, the hangers can sag or even drag on the ground, leading to a hanging muffler tailpipe.

• Reduced acceleration: The car experiences reduced power when pressing the accelerator pedal.

Signs to Identify the Car Muffler Problems

The following comprise the main indicators of problems with the car muffler:

• Loud Noises: When the muffler starts failing, expect to hear louder-than-normal exhaust sounds or some rumbling noise.

• Reduced Fuel Efficiency: A malfunctioning muffler can reduce fuel efficiency, given the improper flow of fumes.

• Strong Odour: The leaks of exhaust inside the muffler can give out the smell of gas inside the car.

• Rattling Noises: The loose elements inside the muffler sometimes create a rattling sound, which becomes more pronounced when the car is stationary.

• Visible Rust: If you find rust or holes on the surface of the muffler, then that would be a sign of critical corrosion.

• Vibrations: Any unusual vibration in the car, specifically in the part of the exhaust area, may signal a problem with the muffler.

Conclusion

For a smooth and safe driving experience, every car component must be in the utmost condition. Be it a car muffler, belts, engine, or gearbox, their regular maintenance is inevitable to ensure a risk-free driving experience. There are no shortcuts to maintaining a car well, and a little extra effort can go a long way in keeping its functionality at its best. Also, timely renewing a car insurance policy implies a safer car. 

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

Electric cars have started to gain popularity across India. Many automakers are designing inexpensive models that focus on servicing comfort, affordability, and sustainability. Although electric cars under 5 lakhs remain limited, entry-level and upcoming models allow buyers to opt for electric vehicles. Let's find out more about these automobiles.

Top Electric Cars Under 5 Lakhs in India

Here’s a list of the best electric cars under 5 lakhs that combine sustainability with affordability:

1. PMV EaS-E

●     Expected Price: ₹4 - 5 lakhs

• Range: Up to 160 km (On a single charge)
• Features: The PMV EaS-E is designed completely for city drive. It has a speed of 70 km per hour. The electric vehicle has features like connected vehicle technology, a digital display, and air conditioning. The car's lightweight and small build improves its efficiency.

2. Strom R3

●     Expected Price: ₹4.5 - 5 lakhs

• Range: Roughly 200 km for every charge
• Features: This is a two-seater electric car designed for city drive. It has a sleek design, GPS navigation and even touch controls. It has a range of 200 km, which makes Strom R3 perfect for longer commutes and also lessens the need for periodic charges.

3. Tata Nano EV (Concept Car)

●     Expected Price: ₹5 lakhs

• Range: Around 100-120 km for every charge
• Features: The Tata Nano EV is still just a concept. The vehicle aims to offer reliability and affordability, and some of its expected features are safety tools, a touchscreen, and a digital dashboard. If this car is launched, it will be an outstanding entry-level choice with a substantial support network from Tata.

Conclusion

Electric vehicles are highly promoted by various governments that aim to reduce carbon emission and pollution. It offers style and efficiency to the owners. Keeping these vehicles insured by getting car insurance online is also vital as it will shield the car against various damages and theft.

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

The need for feature-packed and inexpensive vehicles has increased greatly in India. Due to this demand, many automakers are introducing cars under 15 lakhs on the road price. From all the stylish and unique hatchbacks to the compact SUVs, you will find a vehicle matching your needs. Read on to find out more about some of the cars under 15 lakhs

Top Cars Under 15 Lakhs in India

Some of the best cars under 15 lakhs available in the Indian market are:

1. Nissan Magnite

• Price: ₹6 - 11.5 lakhs
• Engine: 999 cc (Petrol)
• Why Consider: The Nissan Magnite's bold SUV look, comfortable interiors, and compact size make it ideal for urban commute. It has an 8-inch touchscreen, a digital cluster, and Nissan Connect with over 50 tech features.

2. Tata Nexon

• Price: ₹8 - 15.8 lakhs
• Engine: 1497 cc (Available in petrol and diesel)
• Why Consider: With a 5-star NCAP safety rating, this vehicle is an outstanding option for all safety-conscious car buyers. Tata Nexon has advanced connectivity paired with iRA technology, an electric sunroof, and a touchscreen.

3. Kia Seltos

• Price: ₹10.9 - 15 lakhs for selected variants
• Engine: 1497 cc (Available in petrol and diesel)
• Why Consider: Dubbed the finest car under 15 lakhs, the Kia Seltos offers a top-tier experience with its sleek appearance, 10.25-inch touchscreen, and spacious cabin. The car also has UVO Connect for countless drive options and smart tech.

4. Maruti Suzuki Fronx

• Price: ₹7.51 - 13.04 lakhs
• Engine: 1197 cc (Petrol)
• Why Consider: The Maruti Suzuki Fronx mixes reliable engineering with a new SUV-inspired look. The vehicle also comes with features such as Android Auto, wireless Apple CarPlay, and a 9-inch touchscreen.

Conclusion

So many options are available for car buyers looking for vehicles under ₹15 lakhs. Those models offer unique features, comfort and quality. As a car buyer, it's important to ensure your vehicle is covered against various dangers, such as damage and theft. So, the best option here is to get car insurance, as it will safeguard your vehicle against these issues and prevent any monetary loss. Research various policies and choose the one that meets your requirements.

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.  

It can be pretty challenging to have an inexpensive and good car under 5 lakhs in the market. However, you will surely encounter four-wheelers with remarkable features, excellent fuel efficiency and low running costs at this budget. From versatile city vehicles to compact hatchbacks, many of these options will provide you with modern-day features and outstanding performance.

Top Cars Under 5 Lakhs in India

Here are some of the new cars under 5 lakhs that come with many modern features.

1. Maruti Alto K10

• Price: ₹3.99 - 5.96 lakhs
• Engine: 998 cc (Petrol)
• Mileage: 24.39 kmpl
• Features: This car has a compact size, excellent fuel efficiency and low servicing. It also has unique features, such as EBD and ABS, power windows, and a touchscreen. With its agile handling, the Maruti Alto K10 can steer perfectly through all the tight urban areas, making it the best choice for all budget-conscious city residents.

2. Renault KWID

• Price: ₹4.70 - 6.45 lakhs
• Engine: 999 cc (Petrol)
• Mileage: 21.46 kmpl
• Features: The Renault KWID has an SUV-like style and sporty design. It has great features, such as a digital dashboard and an 8-inch touchscreen system. It is ideal for weekend trips and city rides. The Renault KWID also has reverse sensors and dual airbags, which make it a practical and safe option for all car buyers.

3. Maruti S-Presso

• Price: ₹4.26 - 6.12 lakhs
• Engine: 998 cc (Petrol)
• Mileage: 24.12 kmpl
• Features: It has a compact SUV design. The car has a 7-inch infotainment system, cosy seats, ABS with airbags and EBD. Its high ground clearance makes it adaptable for rough and city roads.

Wrapping Up

Getting a car under INR 5 lakhs with a blend of fuel efficiency, affordability, and performance is a dream for many who want a vehicle on a budget. Also, having good car insurance will be worth it. It will aid in covering the monetary losses that you might experience during damages, theft and even accidents. These policies offer legal security and 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.  

If you were buying a new car in India, then safety probably features at the top of the list of expectations from your car. Other than car insurance that provides financial security from accidents, the safety characteristics of a car offer a sense of well-being on roads and protection from accidents. Technological advancements have equipped modern cars with features that either prevent accidents altogether or reduce the impact of a crash. This guide looks at some of the best safety cars in India, as rated by the Global New Car Assessment Programme (NCAP).

Best Safety Cars in India with Global NCAP Rating

First of all, when it comes to choosing the best car in the safety rating in India, an important thing would be the understanding of Global NCAP, which literally means the New Car Assessment Program. It tests cars for their safety under various conditions. Further, ratings are created to help buyers make informed decisions. Good options for the safest cars in India for 2024 may include the following:

1. Tata Harrier (5 Stars)

• Price: ₹15.49 lakh to ₹25.49 lakh (ex-showroom)
• Safety Rating: 5 stars for adult and child protection
• Features: Six airbags, Electronic Stability Programme (ESP), Corner Stability Control, Hill Hold Assist, and ABS. The Tata Harrier scored 33.05 out of 34 in adult occupant protection, making it the safest SUV in India.
• Why Choose It?: If you're looking for a large, safe SUV, the Harrier's robust safety features make it a strong contender.

2. Tata Safari (5 Stars)

• Price: ₹16.19 lakh to ₹25.49 lakh (ex-showroom)
• Safety Rating: 5 stars for adult and child protection
• Features: Six airbags, Traction Control, ESP, Hill Hold Assist, ABS. Similar to the Harrier, the Safari scored 33.05 points out of 34 in adult occupant safety, offering solid protection in a stylish 7-seater configuration.
• Why Choose It?: A perfect family car if you need extra space without compromising on safety.

3. Volkswagen Virtus (5 Stars)

• Price: ₹11.48 lakh to ₹19.29 lakh (ex-showroom)
• Safety Rating: 5 stars for adult and child occupants
• Features: Six airbags, Hill Hold Assist, ESC, ABS, and TPMS. The Virtus scored 29.71 points for adult safety and 42 points for child safety.
• Why Choose It?: For those who prefer sedans but don’t want to compromise on safety, the Virtus is an excellent option.

4. Skoda Slavia (5 Stars)

• Price: ₹10.89 lakh to ₹19.12 lakh (ex-showroom)
• Safety Rating: 5 stars for adult and child protection
• Features: Six airbags, ABS, Multi-Collision Braking, Traction Control, and TPMS. The Slavia shares the same safety ratings as its cousin, the Volkswagen Virtus.
• Why Choose It?: A premium sedan with excellent safety features, perfect for those looking for both comfort and security.

5. Mahindra XUV300 (5 Stars)

• Price: ₹8.42 lakh to ₹12.38 lakh (ex-showroom)
• Safety Rating: 5 stars for adult protection; 4 stars for child protection
• Features: Six airbags, Hill-Start Assist, ESP, ABS with EBD, and Corner Braking Control. It scored 16.42 out of 17 for adult protection, making it one of the most affordable safe cars.
• Why Choose It?: If budget is a concern but safety is the top priority, the XUV300 offers outstanding value.

Conclusion

When it comes to safety, Indian car manufacturers have made quite a move. From compact hatchbacks to large SUVs, the numbers are there in the market, each offering the best protection for grown-ups and kids. While car insurance does help you financially in case of a mishap, choosing one of the safest cars in India can protect you and your loved ones on the road. Happy driving!

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

Updated on - 13 Jan 2026

A PUC (Pollution Under Control) certificate is an important document for all vehicle owners in India. It proves that your car meets the pollution limits set by the government. Driving without a valid PUC can lead to fines or penalties. Getting a PUC test is quick and easy; it can be done at petrol pumps or authorised testing centres. This rule helps reduce air pollution and keeps vehicles in good condition.

In this blog, you will understand that the PUC validity for new cars ensures you follow the law and contribute to a cleaner, healthier environment.

What is a PUC certificate?

A PUC certificate confirms that a vehicle’s emissions are within the limits set by the Indian government under the Central Motor Vehicles Act of 1988. This certificate is essential for all vehicle owners, alongside their driving licence, registration documents and insurance policy.

Vehicles are checked at authorised testing centres to ensure they meet the required emission standards. If they pass, the PUC Certificate is issued, which contains details such as vehicle registration number, certificate serial number, emission test date, certificate expiry date and emission levels. This data helps in identifying and impounding vehicles that contribute to air pollution.

Validity of PUC certificate

PUC certificate validity for a new car is one year. After this period, renewals are required every six months. However, some states allow driving a new car for six months without a PUC. For older vehicles, the PUC certificate is valid for six months. After this, they must undergo checks every six months to maintain compliance.

In cases where a vehicle's emissions exceed the prescribed limits, the certificate's validity may be reduced to less than six months. Regular checks ensure vehicles remain environmentally friendly and comply with regulations.

Consequences of not having a PUC certificate

Not having a new car PUC validity can lead to several serious issues. Here are the main consequences:

• Hefty penalties: You may be fined ₹1,000 the first time and ₹2,000 for repeated offences. In extreme cases, it could even lead to up to 3 months of imprisonment.
• Insurance renewal issues: A valid PUC certificate is required for renewing your car insurance online or offline. Without it, your insurance renewal might get delayed or denied.
• Environmental harm: Vehicles without a PUC certificate may contribute to higher pollution levels. Ensuring your vehicle meets emission norms is essential to reducing environmental damage.

How to obtain a PUC certificate for your car?

The government has simplified the process, allowing you to access and download the PUC certificate online.

• Take your car to an emission test centre. It could be a fuel station, a licenced centre or any authorised location.
• The operator will test your car's exhaust system for emission levels per state-specific norms.
• If your car meets the emission standards, the operator will issue the PUC certificate.
• Pay the fee (₹60 to ₹100) and receive the certificate.
• If your car fails the test, you'll get a rejection slip and must fix the issues to pass.

Why is it important to have a valid PUC certificate?

A PUC certificate is a crucial document for every vehicle owner for these reasons:

• Compliance with government regulations: A valid PUC certificate shows compliance with the Central Motor Vehicles Act, 1988. Failing to have one can result in heavy fines or imprisonment.
• Monitor vehicle condition: Regular PUC checks help you keep track of your vehicle's emission levels, allowing timely maintenance to ensure it stays within the allowed limits.
• Moral responsibility: Keeping your vehicle’s emissions in check is a responsibility towards a cleaner environment, contributing to overall air quality improvement.
• Requirement for motor insurance: A valid PUC certificate is mandatory to purchase or renew car insurance, ensuring your vehicle stays protected under the law.

How to check or download your PUC certificate?

You can easily check or download your PUC certificate online.

• Visit the official website (parivahan.gov.in / https://parivahan.gov.in) and click on the PUC certificate option.
• Enter your vehicle number and the last five digits of your chassis number.
• Once you submit the details, your PUC certificate will appear on the screen.
• You can then download or print it for future use.

This online service helps you save time and avoid visiting the testing centre again. Always keep a copy of your valid PUC certificate while driving.

Role of PUC in car insurance

A valid PUC certificate is very important for obtaining and renewing your third-party and comprehensive car insurance. Also, insurance companies may reject claims if your vehicle does not have an updated PUC at the time of an accident. It proves that your car is environmentally safe and properly maintained. Keeping your PUC valid helps you avoid fines and keeps your insurance policy active.

Conclusion

A PUC certificate is an important document that shows your car meets pollution standards. For new cars, it is valid for the first year from the date of purchase. After that, you must renew it every six months to keep your vehicle legally roadworthy.

If you are planning to buy a new car, you should know that comprehensive car insurance is also critical, like a PUC certificate. If you need expert advice in choosing the right insurance policy, fill out the form on this page. We will help you choose the ideal plan.

FAQs

1. What happens if I don’t have a valid PUC?

If your car doesn’t have a valid PUC, you may have to pay a fine, and your insurance claim can also be rejected.

2. Who can issue a PUC certificate?

A PUC certificate can be issued only by authorised emission testing centres approved by the Regional Transport Office (RTO) or State Transport Department.

3. What if a vehicle fails the emission test?

If a vehicle fails the emission test, it must be repaired and retested within a specified time to obtain a valid PUC certificate.

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.

For all the car buyers in India, automobiles that fall under INR 10 lakhs are an ideal choice. It will let you get great performance and features at an affordable price. Under this budget, you will get hatchbacks, compact SUVs, and SUVs from well-known brands like Mahindra, Maruti and even Tata. You can find countless cars under 10 lakhs in India.

Top Cars Under 10 Lakhs in India

If you plan to buy a four-wheeler, you can consider these new cars under 10 lakhs.

1. Tata Nexon

• Price: ₹8 - 10 lakhs
• Engine: 1199 cc (Petrol)
• Mileage: 17.44 kmpl
• Features: The Tata Nexon is considered one of the best cars under 10 lakhs because of its 5-star safety rating and powerful build. It has a floating touchscreen with Apple CarPlay and Android Auto, bigger interiors, and a digital instrument cluster. Tata Nexon also has a top-tier engine and offers a smooth ride, which makes the car ideal for highway and city travel.

2. Tata Punch

• Price: ₹6.13 - 10.15 lakhs
• Engine: 1199 cc (Petrol)
• Mileage: 20.09 kmpl
• Features: The Punch is well-known for its SUV-like ground clearance and solid design. Its unique features include connected vehicle technology, automated weather control, and an innovative infotainment system. It's perfect for commuting across the city.

3. Maruti Swift

• Price: ₹6.49 - 9.59 lakhs
• Engine: 1197 cc (Petrol)
• Mileage: 24.8 kmpl
• Features: The Maruti Swift delivers a smooth driving experience. It has cruise control, automatic climate control, a touchscreen, and an efficient engine. With low servicing prices and higher fuel efficiency, it stands out as an excellent option for individuals who want an SUV on a budget.

4. Maruti Brezza

• Price: ₹8.34 - 10 lakhs
• Engine: 1462 cc (Petrol)
• Mileage: 17.38 kmpl
• Features: The Maruti Brezza is known for blending modern-day SUV style with practicality. Its features include a powerful 1.5-litre engine, LED projector headlamps, and a touchscreen system.

Conclusion

Buying a car, particularly an SUV, under INR 10 lakhs will get you a top-tier vehicle on a budget. They offer excellent performance and also come with countless features. However, keeping your vehicle well-protected during damage is also important. For this, you should buy car insurance online that covers all kinds of damages to your vehicle.

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

Honda cars in India are consistently a top choice for those seeking quality and affordable vehicles. These cars are popular due to their fuel efficiency and low maintenance requirements after purchase. Here are some of the best Honda cars in India that you might consider.

Top Honda Cars in India

Here is the list of the best Honda cars in India:

1. Honda City

The Honda City, one of India’s best-selling sedans, enables smooth rides thanks to features like sunroofs, touchscreen infotainment systems, and spacious legroom. The car handles easily, has good gas mileage, and is perfect for moving around town and cross-country trips.

2. Honda Amaze

The Honda Amaze is ideal for a small family, as it is a compact car that offers safety and reliable performance at an affordable price. It features a spacious interior and a large boot, making it perfect for commuting and short weekend trips. Furthermore, its fuel-efficient engine helps you avoid rising costs due to fluctuating fuel prices. Additionally, individuals can easily include car insurance in their budget to protect their vehicles.

3. Honda WR-V

For individuals looking for a mini-SUV, the Honda WR-V is ideal. Its sporty look and excellent ground clearance make it one of the best Honda cars. The WR-V is also loaded with safety features, including airbags and ABS, so you can drive safely while behind its wheel. Currently, the WR-V is one of Honda’s flagship cars because it can be customised to meet the demands of various driving conditions, whether in urban environments or off-road terrains.

Conclusion

Honda cars in India cater to drivers with diverse preferences, offering everything from city-friendly sedans to compact SUVs. Whether you need a vehicle that is fuel-efficient for city driving or one that provides ample space for long trips, Honda has you covered. Additionally, it's important to choose the right car insurance policy to protect your vehicle and give you peace of mind while driving.

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.  

Adaptive Cruise Control (ACC) has been a game-changing feature for drivers in India, as it ensures that on long drives, the car automatically adjusts the speed to keep a safe distance from the vehicles up ahead. From cruising on highways to crawling through heavy traffic, ACC is a big help in reducing driving stress. If you are considering bringing home a new adaptive cruise control car in 2024, here's a look at some of the best models available in India.

Top Adaptive Cruise Control Cars in India

Here’s a roundup of some of the best adaptive cruise control cars in India:

• Renault Kiger: Starting at ₹6 Lakh

An affordable compact SUV featuring cruise control for daily commutes and a weekend exodus.

• Hyundai Exter: Starting at ₹6.13 Lakh

With a stylish design and technology, the Exter balances performance and value, making it an excellent family car choice.

• Tata Altroz: Starting at ₹6.65 Lakh

Altroz is the first Indian car to get a 5-star Global NCAP safety rating. It is a hatchback with advanced features such as ACC.

• Maruti Suzuki Fronx: Starting at ₹7.51 Lakh

With a sporty design and a turbocharged engine option, this car adds some much-needed excitement to the ACC feature.

• MG Astor: Starting at ₹9.98 Lakh

One of the more affordable cars on sale with Level 2 semi-autonomous driving, ACC, lane keep assist and forward collision warning.

• Mahindra Thar: Starting at ₹11.25 Lakh

A rugged all-terrain vehicle that has off-road capability and modern technology, such as ACC.

• Honda City: Starting at ₹11.63 Lakh

The unmatched favourite of every family, Honda City enables comfortable driving with ACC to keep highway journeys smooth.

• Mahindra XUV700: Starting at ₹13.99 Lakh

The feature-packed SUV with advanced safety technology like ACC makes it perfect for long drives.

• Tata Harrier: Starting at ₹15.49 Lakh

The Harrier's premium build and ADAS features make it a strong contender in the mid-size SUV category.

Conclusion

Adaptive Cruise Control is no longer a feature reserved for premium segments and exclusive models. With this technology finding its way across various car models, driving in India has become safer and more convenient. While at it, renew or purchase car insurance online to comply with regulations and cover your ride!

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.  

Buying a car is always an exciting experience. Whether it’s your first vehicle or an upgrade, it feels like a dream come true. But before you rush into it, there's something crucial you need to know—the 20/4/10 rule for car buying.

This rule isn't just a financial guideline; it's your roadmap to avoid financial strain while still getting the car you love. It's simple, easy to follow, and helps you make a practical decision. Want to know how it works? Let’s dive in!

What Is the 20/4/10 Rule?

The 20/4/10 car buying rule is a smart way to ensure that your car purchase aligns with your financial situation. The 20/4/10 rule for car buying is a practical financial guideline designed to help you purchase a car without straining your budget. You should pay at least 20% of the car's price as a down payment, limiting the amount you need to borrow.

The loan term should be at most four years, which helps reduce the interest paid over time. Lastly, all car-related expenses—including the EMI, maintenance, and car insurance online—should not exceed 10% of your monthly income. By following this rule, you can ensure that your car purchase remains affordable while allowing room for other financial responsibilities.

How Does This Car Buying Formula Work?

Let’s explore the 20/4/10 rule with an example. Imagine Arjun, who earns ₹18,00,000 annually, which breaks down to ₹1,50,000 per month. He is eyeing a car that costs ₹9,00,000. Here's how the car-buying rule applies in his situation:

• 20% Down Payment: Arjun should make an upfront payment of at least ₹1,80,000 (20% of ₹9,00,000).
• 4-Year Loan: The remaining ₹7,20,000 would be covered through a loan, and according to the rule, the loan should not exceed a 4-year tenure.
• 10% Monthly Expenses: All car-related expenses, including EMI, maintenance, and car insurance online, should be within 10% of his monthly income. In Arjun's case, this limit would be ₹15,000 per month.

If the loan is offered at an interest rate of 9%, the monthly EMI comes out to roughly ₹17,880, which is higher than the 10% threshold of ₹15,000. In this example, Arjun’s purchase doesn't fully align with the 20/4/10 rule, as the monthly EMI exceeds the 10% limit. This suggests he might need to consider a less expensive car or make a larger down payment to keep his finances in check.

Benefits of 20/4/10 Car Affordability Rule

This rule of car buying presents numerous advantages in the long and short run:

• Lower Debt: A bigger down payment means less loan and, consequently, less interest.
• Controlled Budgeting: You avoid overspending by capping your car expenses at 10% of your income.
• Financial Security: Keeping a four-year loan period ensures you don’t pay too much interest.
• Stress-Free Ownership: Following this rule prevents you from being weighed down by huge monthly instalments.

Drawbacks of the 20/4/10 Car Financing Rule

This rule has some considerations in the following scenarios:

• High Down Payment: 20% can be a lot for those with limited savings.
• Limited Choices: You may have to settle for a car within your budget, limiting premium options.
• Short Loan Tenure: A four-year loan might result in higher EMIs, especially for lower-income buyers.
• Fluctuating Costs: Maintenance and fuel costs vary by location, potentially exceeding the 10% cap in expensive areas.

When to Use or Avoid 20/4/10 Car Buying Rule

To fully leverage the advantages of this rule, you must discern if you possess the required resources.

When to Use It:

• Stable Income: This rule will keep your finances in check if you have a consistent income and low debt.
• First-Time Buyers: If you’re buying your first car, this rule ensures you don’t overextend financially.
• Budget Conscious: If you track your expenses and stick to a budget, the 20/4/10 rule aligns perfectly with your goals.

When to Avoid It:

• Low Savings: If saving 20% for a down payment seems impossible, you might need to explore alternative financing.
• Fluctuating Income: Sticking to the 10% expense rule could be challenging if your monthly earnings vary.
• High Debt: If you already have significant debts, adding a car loan might overwhelm your finances.

Strategies to Make the Most of 20/4/10 Rule

Consider the following strategies to make use of this trick to manage this typically large expense:

• Consider Used Cars: Used cars can help you stick to the 20/4/10 rule while offering good value.
• Increase Down Payment: Increase the down payment to reduce loan size and monthly EMIs.
• Boost Your Savings: Start saving months in advance to make a larger down payment and reduce the financial strain.
• Choose a Basic Model: Opt for a base model if it suits your needs—luxuries can come later.
• Compare Loans: Research different banks for the best interest rates and loan terms that fit the 20/4/10 framework.

Conclusion

The 20/4/10 rule isn’t just a guideline—it’s your ticket to a stress-free car-buying experience. Sticking to this formula can keep your financial health intact while enjoying your new ride. And remember, budgeting for the long run includes securing your vehicle with car insurance online to protect against the unexpected.

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

Today, the need for energy-efficient cars in India has become more of a necessity than a luxury. Hydrogen cars are now a better alternative to conventional fossil-fuel-powered vehicles. Hydrogen vehicles work by combining hydrogen and oxygen in a fuel cell, which then releases electricity and water as by-products.

Hydrogen cars in India can be highly beneficial compared to conventional cars, given their increased efficiency, zero-emission driving, and longer driving ranges. They help improve our surroundings by cutting down dependency on fossil fuels.

So, even if there aren’t any hydrogen cars in India yet, various car manufacturers have plans to soon introduce such vehicles, including cars, trucks, SUVs, and buses. This article strives to help you understand how hydrogen-powered vehicles work, the current status and challenges of hydrogen cars in India, and more. 

How Do Hydrogen-Powered Cars in India Work?

Here are the steps describing how hydrogen-powered cars work:

• First, the car contains a tank with compressed hydrogen gas (H2) stored under high pressure. The tank carries enough hydrogen to power the vehicle for hundreds of kilometres.
• The fuel cell stack contains thin electrode and electrolyte layers. It works by converting the hydrogen's chemical energy into electrical energy.
• Next is the hydrogen oxidation process. The engine system pumps hydrogen to the fuel cell stack, where hydrogen molecules split into protons (H+) and electrons (e-). The protons move via the electrolyte membrane, while the electrons follow an external circuit, which sparks off an electrical current.
• The oxygen reduction process follows, where the engine system extracts air from the atmosphere. The system filters the air to get rid of dust and pollutants. The air then goes to the fuel stack, where oxygen molecules combine with the protons and electrons (positive cathode) to form water (H2O).
• The vehicle now regulates the voltage, which generates electricity to drive the electric motor and move the car forward. 
• Finally, the motor mechanism helps collect excess water produced from the fuel cell stack and releases it through the exhaust pipe as water vapour. The water vapour emitted from the vehicle is environmentally friendly and causes zero emission.

Note: The vehicle has a battery, which stores excess electricity and helps supply extra power whenever necessary.

Current Status of Hydrogen Cars in India

In the early 2000s, the Indian Oil Corporation (IOC) and Mahindra & Mahindra (M&M) formulated a hydrogen-powered three-wheeler together. India began progressing in trying out hydrogen car processing but with many challenges despite availing of multiple opportunities.

Currently, hydrogen cars are not available for sale in India. However, some car manufacturers have shown interest in bringing such vehicles to the market. Some promising initiatives and developments for hydrogen cars in India include:

• The Pilot Project for Hydrogen-Based Advanced Fuel Cell Electric Vehicles (FCEV)

The Union Ministry for Road Transport and Highways, in collaboration with Toyota Kirloskar Motor and the International Centre for Automotive Technology (ICAT), launched the pilot project in March 2023. The project intends to study and evaluate the performance of India's first hydrogen car, the Toyota Mirai. It is one of the world's first hydrogen-fuelled electric vehicles that will operate on Indian roads.

• Hyundai Launch of a Hydrogen-Powered Sports Utility Vehicle

Korean car maker Hyundai plans to launch a hydrogen-powered sports utility vehicle by 2024.  According to sources, Nexo, the hydrogen-powered car, is already available in the markets of Europe, the US, and South Korea.

Challenges for Hydrogen Cars in India

The development of hydrogen cars in India faces the following significant challenges:

• High Production Costs

Hydrogen fuel car technology is costly to produce and maintain. Thus, the initial costs of hydrogen-based vehicles in India will be high regarding manufacturing, storage, and delivery. This mainly stems from a lack of the required advanced technology and adequate large-scale operations to help lower costs.

• Infrastructure Development

As the technology is in its early stages of development in India, the country still lacks a reliable network of hydrogen refuelling stations, which is necessary for the large-scale adoption of hydrogen cars. According to Statista, India has only four hydrogen dispensing stations, while Japan has 161, and China has 250.

• Cheaper Vehicle Alternatives Available

Green hydrogen cars in India are likely to experience tough competition from cheaper alternatives, such as electric and conventional vehicles, which are widely available in the country.

• Lower Demand

The demand for hydrogen cars in India is still very lukewarm. This is from a lack of awareness and also because the public and private sectors have not yet embraced the technology. Many people don't know the features and benefits of hydrogen cars, while others are unsure about their safety and performance.

• Safety Concerns

Hydrogen is a highly inflammable gas. Its production, storage, and transportation require special safety precautions. Handling such critical safety concerns and convincing authorities of the safety of hydrogen technology is not easy.

Hydrogen vs Electric vs Traditional Cars: Key Differences

The key differences between the three types of vehicles include:

• Energy efficiency: Electric cars are the most efficient, with the highest energy conversion rate of approximately 80% from the source to the wheels. Hydrogen fuel cars have a slightly lower efficiency of about 50%. Energy loss occurs during hydrogen production, storage, and conversion. Traditional vehicles have the lowest efficiency of approximately 20%. Excess energy loss occurs in the form of heat and emissions.

• Environmental Impact: Electric and hydrogen fuel cars tend to emit zero tailpipe emissions. They don't release harmful gas particles when operational. Traditional vehicles have the highest environmental impact because they release toxic gases such as carbon dioxide, nitrogen oxides, and other microscopic pollutants.

• Car Insurance: The price of any good car insurance policy will depend on the vehicle's market value. Electric cars are more expensive to insure because they are fitted with several cutting-edge technologies. Once launched, hydrogen cars will also be expensive to insure because they have many high-tech features. Conversely, traditional vehicles tend to be relatively inexpensive to insure as they don't have sport cutting-edge technologies.

• Availability: Traditional cars are the most widely available since they have a well-established infrastructure of car dealerships, service centres, and gas stations. Electric cars are also becoming more widely available as the number of electric car models and charging stations increases. However, hydrogen fuel cars lag far behind regarding popularity.

Conclusion

India was one of the first countries to try out hydrogen cars. Later, they experimented with hydrogen car processing, which offered multiple opportunities but faced many challenges. Presently, India has no hydrogen cars for sale, but several car manufacturers continue to express interest in bringing such vehicles to the market. Indeed, it will be exciting to see how new and improved vehicle technologies will help India step up to embrace clean and affordable energy in the coming days. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Are you interested in knowing how much does car insurance cost for a new driver? New drivers usually have to pay more for car insurance than their experienced peers as they are thought to be more prone to accidents given their limited experience. In any event, new drivers can find the coverage they need at affordable rates by exploring coverage options and comparing quotes.

How Much is Car Insurance for a New Driver?

For new drivers between the age group of 17 and 20, average annual insurance premiums are around INR 200,000. Meanwhile, for 21-25-year-old drivers, car insurance on average will cost a little more than INR 100,000. Your new driver's car insurance policy cost can vary depending on the kind of vehicle you have. If the market value of your car is higher, you will have to pay more for coverage. Insurance companies consider several factors while calculating your car insurance quotes. They assess the risk involved in insuring your vehicle by considering various factors, including your credit history and age. 

By maintaining a clean driving record, new drivers can save lots of money on car insurance. If off-street parking such as a secure garage or driveway is available at your address, you will receive a lower quote. However, if you park your car away from your property or on the street you’ll get a higher quote because such places are considered at higher risk. If your permanent address is the same as your guardians or parents, you can assess a stand-alone policy’s rate and then compare that to how much it would cost to stay on the insurance of your family. It mostly costs less for new drivers to stay on their family’s policy. Most insurance companies offer lucrative discounts, of which some are: 

• Multi-Policy Discount
• Safe Driver Discount
• Good Student Discount
• Multi-Vehicle Discount
• Loyalty Discount
• Low Mileage Discount
• Pay-in-Full Discount
• Paperless Discount

These discounts can help you save huge amounts of money on your new driver policy.

Will a Driving Course Lower My Premiums?

You can lower your car insurance premium by taking a driving course. Insurance companies consider drivers who complete their driving courses at lower risk and more responsible. Driving courses focus on teaching new drivers advanced strategies and techniques to improve their driving skills, minimise risks, and avoid accidents. These courses are considered valuable by insurance companies in reducing the chances of accidents and promoting safe driving behaviour.

On average, you can get 5% to 20% off the premium cost by completing a driving course. After you complete the driving course, the sum saved on your car insurance premium will depend on different factors. Insurance companies will calculate discounts based on specific courses you have completed, individual policies of the company, and the state where you live. For example, if you’re paying a $2,000 premium annually, you could save between $100 and $400 by completing a driving course.

Conclusion

Car insurance costs for new drivers can be significantly higher given their lack of driving history, which can be associated with increased risk. The premium amount is also determined by factors such as the driver's age, location, type of vehicle, and coverage type chosen. However, new drivers can expect various discounts and strategies to reduce costs. These strategies include maintaining good grades and completing driver education courses. Comparing quotes from different insurers can also help new drivers find the most affordable rates for their car insurance.

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.  

To determine whether car insurance is bumper-to-bumper, search for "zero depreciation" coverage. This coverage ensures that the insurance provider will cover all necessary expenses for replacing or repairing damaged parts. This includes fibre or plastic components normally not covered by a regular policy. The insurance provider will not deduct the car's depreciation in the event of an accident. Zero-depreciation coverage means significant cost savings. To know more, refer to car insurance online.

How to Check if Insurance is Bumper-to-Bumper?

So, the moot question is, “How do you check bumper-to-bumper insurance?” Let's discuss it together!

Bumper-to-bumper insurance, sometimes called zero-depreciation insurance, offers complete coverage for your vehicle without taking depreciation into account. Examine your policy documentation. Contact your insurance company directly to determine if bumper-to-bumper coverage is included in India. Usually, comprehensive insurance policies include bumper-to-bumper coverage as standard or made available as an addition. This coverage ensures higher claim payouts by paying for replacing, or repairing damaged auto parts, without considering depreciation. Remember that there can be additional terms and limitations based on the age and state of the car. It is imperative that you thoroughly go over your policy documentation or speak with your insurance provider. Find out the specifics and coverage provided by bumper-to-bumper insurance.

What is Covered in Bumper-to-Bumper Insurance?

A broad range of losses and damages are covered by bumper-to-bumper auto insurance, including:

Accidents: These comprise collisions with other cars, objects, or wildlife.

Natural disasters: These encompass the damage brought about by earthquakes, storms, floods, and other natural occurrences.

Theft and trespassing: This pays for your car's replacement or repair costs if it is stolen or damaged.

Fire and explosions: This pays for replacement or repair expenses if a fire or explosion damages your vehicle.

Falling things: If falling objects such as tree branches damage your car, this will pay for the repairs or replacement.

Civil disturbances: This facility pays for replacement or repair expenses if a riot or other civil disturbance damages your vehicle.

What is Not Included in Bumper-to-Bumper Insurance?

The comprehensive plan contains restrictions even as it pays for losses or damages sustained by the insured vehicle. Consequently, your car won't be fully covered because degradation will be considered while settling the claim.

The depreciation rate on the motor parts will be subtracted at the time of claim settlement before the total amount is paid. As a result, when your claim is settled, you get paid less money.

Conclusion

A bumper-to-bumper policy offers comprehensive coverage for your car. It raises the amount of a claim by paying for depreciation. Therefore, it is advisable to purchase such a policy to avoid significant out-of-pocket costs. This becomes crucial when filing claims.

Examine the bumper-to-bumper coverage provided by several insurance providers. Contrast the policies based on three key factors: cost, claim procedure, and coverage. Select the best bumper-to-bumper insurance for your car. You can refer to Google for more information by searching “How to check if insurance is bumper-to-bumper.”

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 prices may be an unpredictable nightmare, given how frequently they fluctuate. Amidst such a backdrop, learning how to boost your car's mileage is more crucial than ever. Better mileage is conducive to the environment and will ultimately save you money. At the same time, be aware that you can secure car insurance online to drive unfettered through the streets of your city. This article is perfect for you if you're constantly seeking methods to cut your fuel consumption costs without compromising your driving experience.

How to Get Maximum Mileage from Your Petrol Car?

Listed below are some tips on how to increase the mileage of petrol cars:

1. Take it easy on the accelerator:

Drivers of petrol vehicles often throttle up harshly to acquire more torque power and subsequently, range. Doing so increases fuel consumption. Being extremely careful with one's car is necessary. Use only 20% or less of the accelerator to achieve optimal fuel efficiency when driving. Don't push the pedal very hard unless necessary. Instead, acquire momentum by changing gears.

2. Select the ideal torque range:

Many people are of the wrong opinion that the peak torque coincides with maximum fuel economy. This is partly true only when cruising at a moderate speed. Instead, maintain a consistent speed when driving on a highway or in a city. By doing so, you are helping the engine use less fuel by requiring it not to accelerate or decelerate more than needed.

3. Use high-quality lubricants and engine oil:

The engine will require more fuel if subjected to friction and impurities. You can ensure the engine runs smoothly by using the best engine oil and lubricants. Doing so helps your car engine to consumes the least amount of fuel possible. Additionally, ensure you only use the engine oil grade the manufacturer advises.

4. Put the engine in long idle mode:

If you plan to idle for more than a minute, it is advisable to turn the engine off to conserve fuel. When a petrol vehicle reaches idle mode, turning it off is easy. You should turn it off only if the standstill lasts less than a minute. Starting the engine consumes more energy than you can save.

5. Maintain the tune of your engine:

It should go without saying that a car with poor maintenance will not run efficiently. Make sure your vehicle receives routine maintenance. Have the lubricants inspected, examine the air filter, and inspect the fuel filter and spark plugs. Replace these components as needed.

Conclusion

To sum up, increasing your car's fuel efficiency is a simple process. The accumulation of minor yet productive routines can have a significant impact. Increasing the mileage of your petrol car will save you money and contribute to a cleaner environment. To know more about the nitty-gritty of mileage and increasing it, search the internet for “how to increase the mileage of petrol cars in India”.

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

The Motor Vehicles Act of 1988 may have mandated third-party coverage, but vehicle owners should also obtain comprehensive insurance. The reason is easy to understand. A comprehensive policy protects you from third-party responsibility and potential vehicle damage following an or artificial mishap.

The zero-depreciation add-on is a popular feature with all comprehensive auto insurance plans. You receive 360-degree insurance when you combine this coverage with your primary policy. Its accident or other natural alternative name is bumper-to-bumper insurance coverage. Understanding insurance can be difficult, especially when purchasing car insurance online. This article discusses bumper-to-bumper insurance in detail.

Bumper-to-Bumper Insurance Meaning

So, "What is bumper-to-bumper insurance?” Do continue reading to comprehend the concept.

Bumper-to-bumper insurance is complete car insurance coverage with an add-on for zero depreciation. As the insurer does not subtract depreciation from the sections of the automobile that have been repaired or replaced, bumper-to-bumper insurance plans result in greater claim amounts.

You can get an all-inclusive bumper-to-bumper insurance policy by selecting comprehensive coverage and adding zero-depreciation coverage.

It is important to review a policy’s terms and conditions to understand what’s covered and what isn't, as certain exclusions and limitations may apply.

Reasons Why Bumper-to-Bumper Car Insurance is Popular

Bumper-to-bumper add-on coverage offers some significant benefits over a basic car insurance policy. However, nothing good comes for free. You may need to pay an extra premium of up to 20% to obtain this add-on protection. This indicates that you are already paying a higher premium to avoid having to pay again at the time of a future claim settlement. Simply put, you pay for those future expenses in advance when you have 0% depreciation coverage. An initial payment guarantees the insured peace of mind and keeps the coverage reasonably priced. The ideal users of this add-on feature are those who drive luxury or newer vehicles, travel through areas where accidents are common, or are novice or inexperienced drivers.

1. Expands Coverage

Both experienced and new drivers can benefit from the bumper-to-bumper add-on coverage. It expands the coverage of an auto insurance policy to include compensation for losses or damages to the vehicle in the event of an accident.

2. Economical

The cost of maintaining or replacing an insured vehicle's components is determined without considering losses. Removing the need for policyholders to pay out-of-pocket for these costs can ease their financial burden. In the event of a collision, bumper-to-bumper coverage provides a significant benefit, even if it increases the premium of the insurance.

3. Provides peace of mind

Add-on bumper-to-bumper covers for cars are essential for reducing the effect of depreciation on different automobile components. In contrast to ordinary insurance, which considers depreciation when determining claims, bumper-to-bumper coverage guarantees that policyholders will be compensated without considering depreciation. This feature reduces the amount that must be paid out of pocket for repairs and replacements, which is especially advantageous for more recent models or cars with expensive components.

4. Greater compensation

The claim amount is established without accounting for depreciation when bumper-to-bumper coverage is included. As a result, you may be enabled to file more claims for losses or damages. However, the maximum amount of a claim is limited to the insured declared value (IDV) and cannot be greater than that sum.

Conclusion

A bumper-to-bumper policy offers comprehensive coverage for your car and raises the amount of a claim by reimbursing for depreciation. Therefore, it is advised to secure this insurance product to mitigate significant out-of-pocket costs while filing claims.

Evaluate the bumper-to-bumper coverage provided by several insurance providers and sift the policies through three key factors: cost, claim procedure, and coverage. Ensure to select the best bumper-to-bumper insurance for your car to provide it with the defence it needs. Take the help of the internet and search for “What is bumper-to-bumper car insurance?” to get more information.

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.

Being familiar with your automobile can go a long way when it comes to purchasing a car insurance policy. Not only will it help you understand the different functions of the parts of your vehicle, but also give you a clear idea of what’s included and excluded in your plan’s scope of coverage.

Components of a Suspension System in a Car

The following are the car suspension components —

• Leaf Springs: These are the core components of the suspension system, enabling it to nullify bumps or troughs on roads. They serve as dampers and have a good load-bearing capacity.
• Shock Absorbers: They use the springs while suspending the body in a way that the ride will not be too bouncy.
• Struts: Restricts suspension motion in addition to dissipating energy as shock absorbers do.
• Control Arms: These link the wheels of the car to the vehicle’s body and make it possible to control the car’s movements.
• Bushings: Rubber or polyurethane bushings decrease friction and occasional impacts.
• Sway Bars: They aid in keeping the car stable, particularly during turns, since they cut on the amount of body roll. Sway bars transfer the car’s force from one side to another, enhancing stability.
• Ball Joints: These act as the fulcrum for both the steering and suspension system so as to enable free movement.

Conclusion

Gaining knowledge about your car’s suspension system and other parts can help you take informed steps regarding your own safety and drive safely.

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.

Car insurance tends to be more expensive for new drivers than experienced ones due to their limited experience. Age, location, gender, driving record, marital status, credit history, coverage limits, and vehicle type are the factors that determine the insurance rate of a new car driver. Keep reading ahead to learn how car insurance works for new drivers.

Things That A New Driver Should Know About Car Insurance

Let’s take a look at all the things that a new driver should know about car insurance.

• The owners of sports cars, high-performance models, and luxury vehicles may have to pay more to get their cars insured. New drivers can save money if they have standard vehicles. Insurance companies usually charge more to insure an electric or performance vehicle.
• Drivers under 29 are charged more by the insurance companies as they are considered responsible for more accidents. New drivers over 30 may have to pay lower rates to get their car insured. The younger you are, the more you’ll have to pay to get your car insured.
• New drivers with higher credit ratings are charged less by the insurance companies as they are considered financially stable. With no or little credit established, new drivers may have to pay more to get their car insured.
• New drivers with clean records and no moving violations or at-fault accidents may have to pay less. If a new driver has a brief driving history, he may have to pay more.
• Married drivers may have to pay lower premiums as they’re considered responsible. If you’re single, you may have to pay higher premiums.
• If you reside in a city with high rates of uninsured drivers, theft, and vandalism, you may have to pay more for a car insurance policy.
• You can get great discounts by bundling your policies. If you have homeowner's or renter’s insurance, you can ask your insurance company to give you a car insurance quote. Many insurance companies offer a good amount of discounts if you bundle your policies.
• Always try to pay for your car policy upfront. If you decide to pay your policy on a monthly basis, on top of the premium price, your insurance company will charge you a convenience fee.
• While purchasing car insurance, shop around and compare quotes. This will help you save money. Each insurance company has rating factors that make a policy more affordable or expensive than a policy offered by its competitors.

Conclusion

New drivers need to get car insurance as it offers financial security in the case of an accident and damage to their vehicle. However, you should compare quotes offered by different companies, have a clean record, and pay for the policy upfront to save money on car insurance.

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

Imagine trying to drive without being able to turn your car; it’s scary, right? If your car steering is not working, it can put your life at risk. It’s important to understand why this happens and how we can avoid it.

Reasons Behind Steering Wheel of Car Not Working

The following reasons could account for your car’s steering wheel not working —

• Low Power Steering Fluid

The primary reason for a stiff steering wheel is insufficient power steering fluid. This happens when fluid leaks from the pressurised hose area. It would be better to get it repaired to prevent issues instead of just refilling the power steering tank, which is a temporary fix.

• Thick Power Steering Fluid

Just like every other fluid in a vehicle, power steering fluid can also degrade over time. Thick fluid makes steering difficult at low speeds, as it loses its lubricating properties. It’s best to follow the manufacturer’s recommendations for changing the fluid. The solution is to remove the old fluid and refill it with fresh fluid.

• Faulty Power Steering Pump

The power steering pump generates the pressure needed to turn the steering wheel smoothly. If the pump malfunctions, turning the steering wheel becomes difficult, especially when driving at a low speed. 

• Damaged Serpentine Belt

Another reason your steering wheel can be stiff is if your serpentine belt is cracked or broken. The belt can become loose as it wears down over time. It's advisable to repair or replace the belt as soon as possible to avoid complete failure of the steering system.

• Defective Steering Rack

Your steering rack can also be damaged if it is exposed to extreme temperatures and road debris. If the inner bushings are damaged, it can cause leaks, accumulate dirt, and further damage the rack and gear. 

• Incorrect Tyre Pressure

This is one of the reasons for a stiff steering wheel. Check the air pressure of the tyres and ensure that they are inflated as per the vehicle manufacturer’s PSI recommendation. Also, check the alignment of the tyres, as this could lead to a stiff steering wheel.

If you're wondering why my steering wheel is not working, look for the above causes. You must always ensure proper servicing and maintenance.

Conclusion

It's important to regularly service your car to prevent steering issues. Also, make it a point to insure your vehicle. Car insurance offers benefits like cashless network garages and roadside assistance.

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.