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  • Hybrid Car Types & Advantages vs Electric Cars

    by User Not Found | Feb 06, 2023

    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:

    Features

    Hybrid Cars

    Electric Cars

    Source of power

    Electricity as well as petrol and diesel

    DC electricity using a battery pack

    Charging

    Not needed

    Needed

    Efficiency of fuel

    Dependent on ICE and battery range

    Dependent on battery range only

    Level of emissions

    Higher than electric cars

    Lower than the ICE and hybrid cars

    Engine type

    Electric motor and internal combustion engine (ICE)

    Electric motor(s)

    Price

    Slightly higher than usual ICE cars

    Higher than both ICE vehicles and hybrid vehicles

    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.

    1. 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.

    1. 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.

    1. 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.

    1. 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.

  • Vehicle Scrappage Policy in India: Overview, Benefits & Key Details

    by User Not Found | Feb 03, 2023

    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 1stApril 2023 for Heavy Commercial Vehicles (HCVs).
    • For other Commercial Vehicles and Private Vehicles, the scrappage policy will be effective from 1stJune 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:

    Particulars

    Tentative Timeline

    Declaring rules of vehicle fitness test

    21st October 2021

    Scrapping PSU and government vehicles that are more than 15 years old

    01st April 2022

    Commencement of fitness test of Heavy Commercial Vehicles (HCVs)

    01st April 2023

    Commencement of fitness test of Commercial Vehicles (CVs) and Private Vehicles (PVs)

    01st June 2024

    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)

    Category of Vehicle

    Current Fee in Rs

    Revised Fee in Rs

    (at the Automated Testing Facility)

    Light Motor Vehicle (LMV)

    600

    1000

    Passenger vehicle/ Medium goods

    1000

    1300

    Passenger vehicle/ Heavy goods

    1000

    1500


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

    Category of Vehicle

    Current Fee in Rs

    Revised Fee in Rs

    Light Motor Vehicle (LMV)

    200

    7,500

    Passenger vehicle/ Medium goods

    200

    10,000

    Passenger vehicle/ Heavy goods

    200

    12,500

     

    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. 

  • RTO New Vehicle (Car/Bike) Registration Process in India

    by User Not Found | Feb 03, 2023

    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:

    Vehicle Registration Form

    How to Get It/From Where to Download

    Form 20 – Application for motor vehicle registration

    Download it from the Parivahan website

    Form 21 – Vehicle sale certificate. This includes details such as the make and model of the vehicle, date of manufacture, invoice amount etc.

    Get it from the Parivahan website, or ask your dealer for it when buying the vehicle

    Form 22 - Roadworthiness certificate. This indicates the safety and pollution compliance of the vehicle

    Obtain this form from the vehicle dealer

    Form 29 – Vehicle ownership transfer notice

    Download it from the Parivahan website

    Form 30 – Application for intimation and transfer of vehicle ownership

    Download it from the Parivahan website

    Form 34 – Application form to add loan hypothecation and registration certificate

    Download it from the Parivahan website

    Form 38A – Vehicle inspection report

    Obtain this form from the RTO

    Form 51 – Vehicle insurance certificate

    Obtain this form from the car insurance provider

    Form 60 - Working certificate in the absence of PAN card

    Download it from the Parivahan website

    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.

    Services Related to Vehicle Registration

    Corresponding Fees in Rs.

    Two-wheeler bike registration/motorcycle

    300

    Three-wheeler/quadricycle registration

    Non-transport: 600; Transport: 1000

    Car/Light Motor Vehicle (LMV)/four-wheeler registration

    Non-transport: 600; Transport: 1000

    Medium goods motor vehicle/medium passenger motor vehicle registration

    1000

    Heavy goods motor vehicle/heavy passenger motor vehicle registration

    1500

    Imported vehicle (car) registration

    5000

    Imported vehicle (bike) registration

    2500

    Other vehicles (not mentioned on this list) registration

    3000

    Smart card (RC) issue

    200

    Duplicate RC issuance

    50% of the new vehicle registration fees

    RC details correction

    50% of the new vehicle registration fees

    Endorsement of Hypothecation/Lease/Hire purchase

    Two-wheeler (bike): 500;

    Three-wheeler/quadricycle/LMV: 1,500; Medium/heavy vehicle: 3,000

    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:

    Vehicle Class

    Fees in Rs.

    Two-wheeler/motorcycle

    150

    Three-wheeler/quadricycle

    Non-transport: 300; Transport: 500

    Car/Light Motor Vehicle (LMV)/four-wheeler

    Non-transport: 300; Transport: 500

    Medium goods motor vehicle/medium passenger motor vehicle

    500

    Heavy goods motor vehicle/heavy passenger motor vehicle

    750

    Imported vehicle (car)

    2500

    Imported vehicle (bike)

    1250

    Other vehicles (not mentioned on the list)

    1500

    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:

    Vehicle Class

    Fees in Rs.

    Invalid carriage

    50

    Two-wheeler/motorcycle

    300

    Three-wheeler/quadricycle/Light Motor Vehicle

    Non-transport: 600; Transport: 1000

    Medium goods motor vehicle/Medium passenger motor vehicle

    1000

    Heavy goods motor vehicle/Heavy passenger motor vehicle

    1500

    Imported vehicle (car)

    5000

    Imported vehicle (bike)

    2500

    Other vehicles (not mentioned on the list)

    3000

    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. 

  • Everything You Should Know About a CNG Kit—Prices, Advantages, and Uses

    by User Not Found | Feb 01, 2023

    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.

  • Convert Your Petrol and Diesel Car into an Electric Car

    by User Not Found | Jan 31, 2023

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

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

    Types of electric vehicles

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

    1. Battery Electric Vehicles (BEV):

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

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

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

    3. Hybrid Electric Vehicles (HEV):

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

    Retrofitting a car with an electric kit

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

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

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

    Benefits of electric vehicles

    Some benefits of electric vehicles include:

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

    Drawbacks of electric vehicles

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

    How are hybrid vehicles different from electric vehicles?

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

    Features

    Hybrid Cars

    Electric Cars

    Source of power

    Electricity as well as Petrol and Diesel

    DC Electricity using Battery Pack

    Engine type

    Electric Motor and Internal Combustion Engine (ICE)

    Electric Motor

    Efficiency of fuel

    Dependent on ICE and Battery Range

    Dependent Lon Battery Range

    Level of emissions

    Higher than Electric Cars

    Lower than ICE cars and hybrid cars

    Charging requirement

    Not needed

    Needed

    Price

    Similar to usual ICE cars

    Higher than both ICE vehicles and hybrid vehicles

  • How to download a car insurance policy?

    by User Not Found | Jan 30, 2023

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

    How to download car Insurance? 

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

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

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

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

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

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

    How to download ICICI Lombard car Insurance copy online: Step-by-step guide 

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

    Through website

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

    Through chatbot

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

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

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

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

    How do you get a duplicate policy of car Insurance? 

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

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

    FAQs

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

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

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

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

    • Is the digital copy of car insurance valid?

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

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

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

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

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

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


    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.
  • How can I claim insurance for car scratches in India?

    by User Not Found | Jan 30, 2023

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

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

    Are car scratches covered in a car insurance policy?

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

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

    Will a car scratch affect your NCB?

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

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

  • Ex-Showroom vs On-Road Price: Key Differences

    by User Not Found | Jan 24, 2023

    Last updated: 05 Feb 2025

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

    What is the ex-showroom price?

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

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

    What is the on-road price?

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

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

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

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

    Ex-showroom Price On-road Price
    This is not the final price of the vehicle This is the final price of the vehicle
    This is the price dealers pay to the manufacturers This is the price you will pay to buy, own and use the vehicle
    This price does not factor in the cost of registration, road tax, and insurance This is the price that you arrive at after including the cost of registration, road tax, and insurance.
    This price is lesser than the on-road price. It is inclusive of the factory cost, GST, and the dealer’s profit margin The final price is higher than the ex-showroom price

    On-road price for new vehicles

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

    • Charges of vehicle registration

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

    • Road tax

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

    • The tax collected at the source

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

    • Annual maintenance charges

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

    • Cost of essential accessories

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

    • Cost of extra accessories

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

    • Extended warranty

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

    • Green cess

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

    • Handling charges

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

    • Insurance

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

  • Convert Your Petrol and Diesel Car into an Electric Vehicle

    by User Not Found | Jan 24, 2023

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

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

    Types of electric vehicles

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

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

    Retrofitting a car with an electric kit

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

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

    Benefits of electric vehicles

    Some benefits of electric vehicles include:

    • No use of fuel

    Fuel prices have been rising and do not appear to be going down any time soon. With an electric vehicle, you may stop buying petrol or diesel to refuel your vehicle, thus saving money

    • Environment-friendly

    Air quality remains unaffected and air pollution is reduced by electric cars. These vehicles generate less noise pollution as well.

    • Regenerative braking

    Most electric vehicles come equipped with this technology. In this, every time the vehicle applies a brake, the electric generator of the vehicle generates electricity and recharges the battery.

    • Safe

    In the event of an accident, electric cars are less likely to sustain significant damage. This can be ascribed to their lightweight design.

    • Sustainable

    Electric vehicles are the future of the automobile industry. Getting used to electric vehicles is advantageous compared to using traditional fuel-run vehicles.

    Drawbacks of electric vehicles

    While EVs are generally great, they too have certain limitations:

    Covers less distance

    The mileage offered by electric vehicles is relatively lower than that of those cars that run on petrol or diesel.

    Expensive

    This is one of the most evident concerns with electric vehicles that are available in the market today. All of them are high in cost.

    Lack of infrastructure

    Sustainable and smooth use of electric vehicles requires significant and expansive infrastructure, in the sense, that roads should have ample recharge stations. Such infrastructural backup is not yet available in India.

    Long recharge time

    Electric vehicles need some prep time and in some cases, they can take significant time to get fully recharged.

    How are hybrid vehicles different from electric vehicles?

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

    Features

    Hybrid Cars

    Electric Cars

    Source of power

    Electricity as well as Petrol and Diesel

    DC Electricity using Battery Pack

    Engine type

    Electric Motor and Internal Combustion Engine (ICE)

    Electric Motor

    Efficiency of fuel

    Dependent on ICE and Battery Range

    Dependent Lon Battery Range

    Level of emissions

    Higher than Electric Cars

    Lower than ICE cars and hybrid cars

    Charging requirement

    Not needed

    Needed

    Price

    Similar to usual ICE cars

    Higher than both ICE vehicles and hybrid 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 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.

    No matter the type of car you have, don’t forget to secure yourself, your vehicle & your finances with adequate car insurance.

    Things to know before converting to electric vehicles

    Before making the switch, consider the following:

    • Legal approval: Only use RTO-approved kits and certified garages.
    • Battery quality: Opt for lithium-ion batteries for better performance and longevity.
    • Warranty and support: Check for warranties on electric kits and after-sales support.
    • Insurance update: Inform your insurer and update your car insurance policy post-retrofit.
    • Charging options: Make sure you have access to a reliable home charging setup or public charging network.

    Frequently asked questions about converting your petrol and diesel car into an electric vehicle

    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.

    1. 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.

    1. 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.

    1. 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.

    1. 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.

    1. 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.

    1. 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 vehicle into an electric one is a smart way in which you align with the government’s goals of making green energy more popular.

    While the initial cost and infrastructure might seem challenging, the long-term benefits—financial and environmental—are significant. Before shifting to EV, ensure you are informed about the technical, legal and insurance factors, especially updating your comprehensive car insurance and car insurance policy for the new electric setup. With careful planning, your transition to green mobility can be smooth and rewarding.



    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.

  • Understanding claim settlements for cars

    by User Not Found | Jan 24, 2023

    Are you eagerly waiting for updates on your UK visa application? Understanding how to track UK visa application status is crucial to staying informed about the progress of your application.

    In this comprehensive guide, we will discuss how you can track UK visa application status. From online UK visa tracking in India to understanding how to do UK visa tracking GWF number India, we will provide step-by-step guidance. Additionally, we will cover how to check your UK visa status using your passport number. By following these ways, you can stay updated on UK visa tracking process and ensure a smooth journey ahead.

    Understanding types of status for UK visa

    When you check your UK visa application, you may come across several different status updates. Here’s a quick breakdown of what they typically mean:

    • Application received: Your visa application has been successfully submitted and received by the UKVI.
    • Under process: The application is currently being reviewed.
    • Decision made: A decision has been taken on your application, though the outcome (approval or rejection) will be communicated separately.
    • Ready for collection: Your passport and visa decision are ready to be collected from the application centre.
    • Dispatched: Your documents have been sent to your address if you opted for courier delivery.

    Understanding these terms helps avoid unnecessary worry and gives you a sense of timeline expectations.

    Steps to check UK visa status online

    To track UK visa application online, follow the steps given below:

    1. Visit the official website of the British Consulate or log in to VFS Global, the authorised visa application centre.
    2. Locate the section or option for tracking your visa status on the website.
    3. Enter the tracking ID that you received via SMS and email after submitting your visa application. This unique ID is essential for identifying your application in the system.
    4. Provide your date of birth in the YYYY-MM-DD format as per your application records.
    5. Enter the captcha text displayed on the screen accurately to ensure security and prevent automated submissions.
    6. Click on the "Submit" or "Check Status" button to proceed with the tracking process.
    7. The webpage will then display the current UK visa application status. The status may indicate different stages such as "Submitted," "Under Review," "Approved," or "Rejected." Take note of the displayed status for your reference.

    If you are wondering how to check UK visa application status through a third-party website, please note you may have to provide additional details such as-

    • Your passport number
    • Visa tracking number
    • Your date of birth

    By following the steps discussed above you can easily track the status of your UK visa application online, which also includes the option to check the status using your passport number.

    Steps to check UK visa status online via mail?

    Suppose you are unable to check your UK visa status online directly from the official website and want to know how to check UK visa status with passport number or just the unique visa id. In that case, there is another online UK visa tracking method available. Here is how to check UK visa status via email:

    1. Email the British Consulate: If you are unable to access the online tracking process, you can send an email to the British Consulate. Look for the appropriate email address provided on their official website.
    2. Include your unique application number: In the email, make sure to include your unique application number. This number is crucial as the consulate will need this number to identify your UK visa application accurately. For a better and easy search, provide other details like your password number.
    3. Request for a status update: Request an update on your UK visa status in the email. Clearly mention that you are seeking information about the progress of your UK visa application status.
    4. Allow sufficient time for a response: The British Consulate typically responds to visa status inquiries within 3 working days. Therefore, be patient and check your email for a response during this timeframe.

    Thus, by emailing the British Consulate with your application number, you can UK visa status check.

    How to track UK visa status offline

    Wondering, how to track UK visa applications via SMS? Follow the steps given below -

    • Ensure that you have provided a valid mobile phone number during the visa application process.
    • Wait for updates from the consulate office via SMS. They will send notifications about the progress of your UK visa application.
    • Regularly check your inbox for any text messages related to your visa status. These messages will provide updates on the various stages of the application process.
    • For tracking the status, individuals can conveniently send an SMS to the number 7333 using their mobile phones. This service is accessible to users of all Indian network service providers, including both CDMA and GSM platforms.

    UK visa application centres in India

    Do you know you can also check your UK visa application status by visiting visa centres? Wondering how to check the UK visa application status via visa centres in India? Don’t worry, we got you covered.

    These are the 12 UK visa application centres in India, spread across different states. Each centre has specific contact details and operational hours for visa application processing. Applicants can visit these centres during the specified timings for assistance with their UK visa applications. The details of these 12 visa centres are –

    • New Delhi
    • Address: International Trade Tower, Nehru Place, New Delhi
    • Phone number: 011 2419 2100
    • Official timing: 8.00 - 16.00
    • Goa
    • Address: VFS Global Services Pvt. Ltd., Patto Plaza, Panjim, Goa
    • Phone number: 0832 663 6800
    • Timing: 09.00 - 17.30
    • Cochin
    • Address: S&T Arcade, Ravipuram, M G Road, Cochin
    • Kolkata
    • Address: Rene Towers, East Kolkata Township, Kolkata
    • Ahmedabad
    • Address: Bhikhubhai Chambers, Ashram Road, Ahmedabad
    • Phone number: 011 2419 2100
    • Official timing: 08.00 - 16.00
    • Pune
    • Address: Gera 77, Kalyani Nagar, Pune
    • Phone number: Not available
    • Official timing: 08.00 - 14.00
    • Chennai
    • Address: Fagun Towers, Egmore, Chennai
    • Phone number: 044 4219 2151
    • Timing: 08.00 - 16.00Chandigarh
    • Address: Sector 8 C, Madhya Marg, Chandigarh

    Phone number: 0172 492 5100

    Timing: 08.00 - 16.00

    • Jalandhar
    • Address: MIDAS Corporate Park, G.T. Road, Jalandhar
    • Phone number: Not available
    • Timing: 08.00 - 16.00
    • Hyderabad
    • Address: Sunil Chambers, Banjara Hills, Hyderabad
    • Phone number: 040 6666 9147
    • Timing: 08.00 - 16.00
    • Bengaluru

    Address: Prestige Atrium, Shivaji Nagar, Bengaluru

    Phone number: 080 2210 0200

    Timing: 08.00 - 16.00

    • Mumbai South
    • Phone number: Not available
    • Official timing: 07.00 - 16.00
    • Phone number: 033 40822200
    • Official timing:08.00 - 16.00

    Address: Express Tower, Nariman Point, Mumbai

    Phone number: 022 6650 2222

    Timing: 08.00 - 16.00

    rmation.

    UK visa application and travel insurance

    Though travel insurance policy is not mandatory for a UK visa, it is highly recommended, especially for tourists, students and short-term visitors. Travel insurance provides financial security against trip cancellations, medical emergencies and loss of baggage or documents.

    If you are applying for a single trip UK visa, investing in single trip travel insurance can give you peace of mind for the duration of your journey. Purchasing travel insurance online is quick, easy, and allows you to compare different plans suited to your travel needs.

    Frequently asked questions on UK visa application

    • How to get in touch with the UK visa and immigration department?

    You can contact the UK visa and immigration department through their support line at +44 (0)844 8920232 if you are outside the UK. Please note that calls to this number will cost £0.04 per minute in addition to your provider's access charge. The support line operates from Monday to Friday, between 09:00 and 17:30. This provides a convenient avenue to seek assistance, ask questions, or address any concerns you may have regarding visa and immigration matters. By reaching out to the support line, you can access the expertise and guidance of the UK visa and immigration department to ensure a smooth and efficient visa application process.

    • How to quicken the UK visa status?

    To expedite the processing of your UK visa status, there are specific forms available that can help you receive a decision within a shorter period. These forms include SET (F), SET (AF), SET (M), and SET (LR). In order to quicken the UK visa status, it is necessary to download and complete the appropriate request and payment forms from the Home Office. It is important to note that only five requests are processed per day, and they are accepted between 8:00 a.m. and 12:00 p.m. To benefit from this expedited service, a fee of 490 EUR per person, which includes the application fee, is applicable. By following this process, you can accelerate the processing of your UK visa application and receive a decision within 4-5 working days.

    • Can you check your UK Visa Application Status using your passport number?

    Looking for “How to check UK visa status with passport number?” Follow these steps. Firstly, visit the official UK government website dedicated to visa and immigration services. Once on the website, locate the section titled "Check your visa" or "Check your visa status." Within this section, you will find a designated field where you can enter your passport number. If required, provide any additional information such as your full name, date of birth, or visa application reference number. After entering the necessary details, click on the "Check" or "Submit" button to initiate the verification process. The system will then retrieve and display the current status of your UK visa application. Take the time to review the information provided, noting down the visa status or any reference numbers for future reference or inquiries. This convenient online method allows you to check the status of your UK visa application using your passport number, providing you with timely updates on the progress of your application.

    Conclusion

    Tracking your UK visa application status doesn't have to be complicated. Whether you choose to check online or offline, staying informed helps you plan your trip with confidence. Also, don’t overlook the importance of securing travel insurance online—it adds an extra layer of protection to your journey. With the right information and preparation, your dream trip to the UK can be smooth and stress-free.


    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 info

  • What is EP in car insurance?

    by User Not Found | Jan 23, 2023

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

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

    What is engine protection cover in car insurance?

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

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

    Benefits of engine protector in car insurance

    Incorporating an Engine Protector add-on into your four-wheeler insurance policy offers several advantages:

    1. Comprehensive coverage: It extends protection beyond standard policies, covering engine-specific damages that are typically excluded.
    2. Financial security: Engine repairs or replacements can be costly. This add-on mitigates out-of-pocket expenses, ensuring financial stability.
    3. Enhanced vehicle lifespan: Timely repairs facilitated by this coverage can prolong the operational life of your vehicle.
    4. Peace of mind: Knowing that engine-related issues are covered allows stress-free driving, especially in adverse conditions.

    These highlight the importance of considering the Engine Protector add-on, especially for those with high-end vehicles or residing in areas susceptible to flooding.

    Should you buy the engine protector add-on?

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

    Deciding to purchase the engine protector add-on depends on various factors:

    • Geographical location: If you live in areas prone to heavy rains, flooding, or waterlogging, this add-on is highly advisable.
    • Vehicle usage: Frequent driving through terrains where water ingression is possible increases the necessity for this coverage.
    • Car model and age: Owners of high-end or relatively new cars may find this add-on beneficial to protect their significant investment.
    • Existing coverage: While bumper-to-bumper car insurance offers extensive coverage, it may not encompass engine-specific damages caused by non-accidental factors. Review your current policy details to identify coverage gaps and purchase add-ons accordingly.

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

    Conclusion

    In four-wheeler insurance, the engine protection add-on is an important component for comprehensive vehicle protection. It provides coverage in areas usually overlooked by standard policies. Evaluating your circumstances, including environmental factors and vehicle specifics, can guide you in making an informed decision about purchasing this add-on for your 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. 

  • How to check car insurance status online in India - 2025 guide

    by User Not Found | Jan 19, 2023

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

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

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

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

    Why is it important to know your car/vehicle insurance status?

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

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

    How to check car insurance validity?

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

    How to check vehicle insurance status online on parivahan sewa?

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

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

    How to check car insurance status online on the mParivahan mobile app?

    To use the mParivahan app, follow these steps-

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

    How to check car insurance status online on the IIB portal?

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

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

    How to check car insurance status online at the RTO?

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

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

    How to check car insurance status online on ICICI Lombard?

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

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

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

    How to check vehicle insurance status offline?

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

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

    Why is it important to renew car insurance on time?

    Renewal of car insurance on time is important because-

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

    FAQs

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

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

    1. What if I cannot get insurance details online?

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

    1. Is mParivahan app free for all?

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

    Conclusion

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



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

  • Can I claim insurance for car scratches in India?

    by User Not Found | Jan 18, 2023

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

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

    Is it viable to file claims for dents and scratches on a car?

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

    Are car scratches and dents covered by my car insurer?

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

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

    Will it have any influence on my NCB?

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

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

    Will it have any impact on my deductible?

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

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

    Will it impact my monthly premium?

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

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

    FAQs

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

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

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

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

    1. Are scratches caused by vandalism covered by insurance?

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

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

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

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

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

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

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

    Conclusion

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


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

  • How to Check E Challan Status Online

    by User Not Found | Dec 26, 2022

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

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

    What is an E-Challan?

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

    List of Fines for Violations of Traffic Rules in Maharashtra

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

    Traffic Violations

    Penalties

    Driving without a license

    ₹5000

    Over speeding

    ₹1000 – ₹2000 for light motor vehicles

    ₹2000 - ₹4000 for bigger vehicles

    Confiscation of license in some cases

    Driving or riding under the influence of intoxicants

    ₹10,000 for a first instance and/or imprisonment for 6 months

    ₹15,000 for repeated offence and/or imprisonment for 2 years.

    Driving without motor insurance

    Fine up to ₹2,000 and/or three months imprisonment.

    Fine up to ₹4,000 for repeated offences.

    Fine of ₹2,000 for not having third-party car insurance

    Driving without a seat belt/helmet

    Fine of up to ₹1,000 and/or community service.

     

     How To Check Traffic e-Challan Status?

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

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

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

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

     

    How to Pay Traffic Challan Online?

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

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

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

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

    Why Should You Check Your E-Challan Status?

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

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

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

    FAQs on E Challan

    1. When do I receive an e-challan?

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

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

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

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

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

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

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

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

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

    1. How can I pay Challan online?

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

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

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

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

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

    1. How many types of Challan are there?

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

    Conclusion

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

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


     

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

  • How to Link Your Aadhaar Card with Your Driving Licence

    by User Not Found | Nov 21, 2022

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

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

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

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

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

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

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

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

    Benefits of linking the Aadhaar card with your driving licence

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

    • It will help in reducing corrupt practices, improve transparency, and make the licence-issuing process easy, smooth, and hassle-free.
    • Government agencies can access the database containing licence details of all vehicle owners in India via the Aadhaar-based unified platform.
    • Authorised agencies can identify fake driving licences from genuine ones through this drive.
    • Transport authorities can sift out forged documents and take disciplinary action against individuals with multiple licences.
    • The consolidated online database bearing details of automobile owners in India will dissuade people from renewing duplicate licences.
    • Individuals can receive their driving licence within 72 hours after passing the driving test thanks to electronic processing.
    • Linking the Aadhaar card with the driving licence will go a long way in reducing the number of road accidents since individuals cannot obtain a licence without clearing the driving test.
    • Both individuals and government bodies can benefit from quicker and hassle-free operations.
  • 6 Airbags Mandatory in Cars from 1st October 2023

    by User Not Found | Nov 21, 2022

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

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

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

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

    What is the M1 Category of Vehicles?

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

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

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

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

    A Note About the Safety Mechanisms in Cars

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

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

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

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

  • How to Avoid Making Minor Claims and Save Car Insurance NCB

    by User Not Found | Nov 16, 2022

    A car policy offers financial security in case of a mishap or loss related to your car. As a policyholder, you hold the right to file a claim for any damage to your car. However, before making a claim, consider questions such as, “Should I claim insurance for minor damage? Can a no-claim bonus protection plan help in covering the losses better?” Assess the extent of loss, the impact on NCB (No Claim Bonus), deductibles to be borne by you, and future premium costs before making a claim. Here’s everything you need to know.   

    What is NCB in car insurance?

    No Claim Bonus or NCB is the discount offered by an insurer on your own damage (OD) or comprehensive car insurance for being a safe driver. Yes, it is the reward for driving safely and not raising any claim during the previous policy term. It begins only after you complete one claim-free year and is given a 20% discount on the premium amount for the next policy. With each passing claim-free year, you can go on accumulating NCBs until it reaches the peak of 50% of your premium amount. However, you must have consecutive claim-free years to be able to do that. Once you file a claim, you lose NCB, and then you must start accumulating it from the scratch. You will get an idea from the following table:

    Period of Insurance % of NCB on OD Premium
    The preceding year 20%
    Preceding Two consecutive years 25%
    Preceding Three consecutive years 35%
    Preceding Four consecutive years 45%
    Preceding Five consecutive years 50%


    The NCB increases every claim-free year up to 5 years. The percentage of NCB offered depends on the insurance provider and may vary from one insurance company to another. 

    Advantages of No Claim Bonus on car insurance premium:

    • Discount on renewal premium

    Filing a claim should not be the first thing on your mind whenever you see a scratch or a minor dent in the car. They are certainly covered but using the car insurance policy just for making the car look shiny and flawless will increase the future premium amount when you renew the policy. File a claim only when there is a major expense due to an accident or damage beyond repair, car theft, or replacement of major parts. Avoid claiming for expenses that you can afford and save the NCBs for discounts on your renewal premium.

    • Lower premium on second car

    If you want to replace the car and buy another one, you have the option of transferring the policy and carrying forward the NCBs for your new car. This way you can make a good amount of savings in the new policy premium even if you are switching insurers. The process of NCB transfer is simple and quick. Ask your previous insurer to transfer the NCB and issue an NCB certificate. When you approach the new insurer, present this certificate and NCBs will be transferred to the new policy.

    • Good claim history

    Filing insurance claims frequently will adversely impact your claim history and increase your renewal premium. The rate of increase in renewal premium could be due to repetitive claims, nature of the claims and terms of each insurer. So, try to maintain a good claim history by retaining NCBs.

  • What to do if an Uninsured Driver Hits Your Car?

    by User Not Found | Nov 16, 2022

    Accidents are common on Indian roads. And what are just as common are people using their vehicles on roads without valid insurance. Although it is mandatory to have third-party insurance in India, it is far from being followed by all vehicle owners. So, what happens if your car is hit by an uninsured motorist? While your insurance will cover the damage caused to the third party and their vehicle, who will cover the damages to your car and your medical expenses in case of an injury? Today, we will focus on what to do if you meet with a car accident and the other driver has no insurance.

    • Note details: 

    When the at-fault driver tries to flee the scene of the collision, instead of chasing him, make note to jot down the vehicle's details such as the registration number, brand and model number. If the at-fault driver remains at the accident scene, try to gather as much information as possible. Based on the details you get about the other vehicle and uninsured motorist, you can file a police complaint and get the other driver to pay for your car’s repair.

    • Find witness:

    It may so happen that an uninsured motorist hits your car and flees the scene of the accident. In such situations, the only way to learn more about the offender and his vehicle is through a witness. Look for witnesses and check with them if they noticed the other vehicle’s registration number or make. You may also check  if they are willing to testify and record their statement against the at-fault driver. If they do, make a note of their contact information.

    • Security cameras:

    The accident could have happened when your car was on the road or while it was parked in a parking lot. Either way, it is always a good idea to check the security cameras in the vicinity of the site of accident. Surveillance cameras are common in city squares, supermarkets, and mall parking lots and they can assist you in tracking down the details of the uninsured vehicle that hit your car. If you can't find a security camera, ask around to see if any local shops or residences have captured the incident. If you come across any recordings, save them to your phone or laptop for later use.

    • Take photographs:

    Regardless of whether you find any information or details of uninsured motorists or not, it is advised that you take photographs of your damaged car at the site of the accident itself. The photographs will serve as proof of collision and damage to your vehicle and will assist you in obtaining compensation from uninsured motorists.

    • Inform the police:

    Once you have gathered enough information on your own, it's time to file an official complaint against the driver at fault. After lodging the FIR, the police will initiate an investigation and may be able to track down the driver who caused the damage to your vehicle. Filing the FIR immediately after an accident is important because the insurer will require a copy of the FIR for filing third-party vehicle insurance claims. Therefore, if the at-fault driver is underinsured or uninsured, you must submit a copy of the FIR to their insurer. FIR copies also help in obtaining compensation from uninsured motorists.

  • Essential Car Checklist for Long Trip

    by User Not Found | Nov 16, 2022

    Road trips have a charm of their own. The fun of a road trip is rarely about the destination, but the journey itself. But what happens if your car breaks down in the middle of the trip? And if that happens on a lonely stretch or at an ungodly hour, your dream trip can quickly turn into a terrifying nightmare. To save yourself from hefty expenses, you may have bought a good online car insurance policy, but that would not help you with the stress and time invested in bringing the situation under control and resuming your travel. However, timely car checks and preparing your car for a long road trip can save you from unnecessary trouble during the journey. Here are some things you must check before embarking on a long road trip.

    Top 10 car inspections to perform before hitting the road:

    Check your battery

    Nothing can be more frustrating than being stranded on the road because your car’s battery gave up midway. Therefore, checking your car’s battery before a road trip must top your list of priorities. Whether it's too cold or hot, running a car in extreme conditions can take a toll on your car's battery. Also, if your car battery is more than three years old, you should get it tested at one of your nearest certified garages. You may go for a battery replacement if you are not satisfied with its condition.

    Car insurance policy

    Before revving up your car’s accelerator and kickstarting your trip, remember to check your car insurance policy. You must know its terms and conditions to be better prepared in the face of a mishap. If you are planning a long road trip, you may even want to expand its coverage by buying relevant add-ons such as roadside assistance cover, engine protection cover, and more. Also, see if your car insurance policy is up to date. If it has expired, online car insurance renewal can help you in securing your drive in no time.

    Replace air filters

    If you have not replaced your car's air filters in a long time, you may be setting yourself up for a bad trip. Driving with clogged air filters inhibits fresh air from reaching your engine, causing gradual damage to the engine and other internal components. To make your journey pleasant and free of any unnecessary halts, consider using washable and reusable air filters for greater filtration.

    Emergency kit:

    Irrespective of the length of your planned road trip, it is never a good idea to drive your car around without an emergency kit. Before taking your car out of the parking lot, check for the first-aid kit. You may also opt for a personal accident cover along with the car insurance policy to safeguard yourself during road mishaps. Meanwhile, an emergency kit is more than a first-aid kit. It should include a flashlight, jumper cables, some basic car repair equipment, flares, and a few other items.

    Fill the fuel tank

    If you are planning an adventurous trip to the mountains or some far away remote place, make sure your car's fuel tank is full. It is not uncommon to find travellers stranded on roads because they ran out of fuel. Plus, hilly terrains and remote areas may not have many petrol pumps in the vicinity. Therefore, to avoid an unpleasant encounter like this, make a note of this pointer on your checklist before you start your journey. If you are driving an electric vehicle, check to see if it is fully charged.

    Car lights

    If you are taking your car out on the road during night hours or in foggy conditions, you must check your car's headlights. If your car lights are not working or if their brightness has gone down, consider replacing them with new ones. Driving with dim headlights is not only difficult but is riskier as well.

  • Top Traffic Rules Every Car Driver Must Follow

    by User Not Found | Nov 16, 2022

    Road mishaps are a major source of concern for both citizens and the government in India. According to the National Crime Records Bureau (NCRB) data, every 100 road crashes in 2017, 2018, and 2019 resulted in 32, 34, and 35 deaths, respectively. To curb the number of road mishaps and lower the death rate due to accidents, the Ministry of Road Transport & Highways (MoRTH) has laid down several road safety rules in India. Since the number of vehicles on the road is increasing with each passing day, it is important to educate ourselves on various road safety and traffic rules in India. Today, we will look at some important four-wheeler traffic rules in India.

    Importance of Traffic Rules in India

    Traffic rules make roads safer and ensure a smooth traffic flow, making driving a hassle-free experience for all those on the go.

    1. Traffic rules decrease the risk of accidents and injuries.
    2. It prevents congestion of roads.
    3. Strict traffic rules make commuters follow them, thus protecting them from unnecessary fines.
    4. Traffic rules quite literally save the lives of drivers, passengers, and bystanders.

    Top Traffic Safety Rules in India for Car Drivers 

    1. Do not drink and drive

    Drinking and driving may look like fun but it is far more dangerous not just to self but for others too. Besides risking the lives of people on the road, co-passengers and self, being caught driving while inebriated can land you in big trouble with authorities.

    What do four-wheeler traffic rules in India have to say about drunken driving? 

    • According to Indian law, if you are found driving with a blood-alcohol level of more than 0.03% in your body, then you are breaking the law. 
    • The permissible limit for alcohol is 30mg per 100ml of blood. 
    • If you are found drinking and driving, you will be penalized for an amount ranging from Rs 2,000 to Rs 10,000. 

    Drunken driving also attracts imprisonment for a period ranging from 7 months to 4 years.

    1. Car Insurance

    According to the MV Act of 1981, driving without minimum coverage in the form of third-party liability cover can attract penalties. If your car is not insured or if your car insurance has expired and you are still driving the uninsured car, the traffic authority can fine you for Rs 2,000. If the same offense is committed again, a penalty of up to Rs 4,000 can be imposed.

    1. Always wear your seat belt

    Don't call yourself a safe driver if you don't wear your seat belt around your chest and waist habitually. Driving a car with a seat belt not only ensures your safety but is also mandatory under the law. If you are caught breaking this car traffic rule, you could face a fine of up to Rs 1,000.

    1. Don't use a mobile phone while driving

    Using a cell phone while operating the steering wheel can cause distraction and lead to an accident. According to the new MV rules that came into effect on 1 October 2020, the driver can use his or her mobile phone only as a navigational device. If you are caught talking on the phone or for any purpose other than navigation, you will be fined for an amount up to Rs 5,000. Using a phone while driving can attract imprisonment for a year.

    1. Avoid over-speeding

    Have you ever noticed a highway speedometer? If yes, you may have also noticed the red display indicating that you exceeded the speed limit. Over-speeding your car can result in a fine of Rs 1,000 to Rs 2,000. The over-speeding fine depends upon the size of your vehicle.

    1. Follow traffic signals

    In this fast-paced world, everyone is in a rush, and you are not alone. Failure to obey traffic signals can result in a tragic collision. In addition, jumping red signals is prohibited, and violating this traffic rule can result in a fine of up to Rs 5,000 or imprisonment of one year. Apart from the signal, also keep your wheels behind the zebra crossing.

    1. Make way for emergency vehicles

    Keep your ears alert when driving and as soon as you hear sirens, instantly give a pass to the emergency vehicle. According to section 194E of the MV Act, not granting a pass to the hospital ambulance, fire ambulance, and other emergency vehicle is illegal. If you fail to do so, you could face a fine of up to Rs 10,000.

    1. Number plate

    While driving your car, make sure your number plate is clearly visible. Driving with a broken or damaged registration plate is illegal and is considered a serious offense.

    1. Always keep your driving license handy

    Driving a four-wheeler without a valid driver's license in your car or a digital version in a digital locker is unlawful in India and can result in a fine of up to Rs 5,000. Also, keep other essential documents such as RC, PUC, and insurance papers with you at all times while driving.

    1. Rash driving

    Rash driving can lead to a severe car crash. If you enjoy speeding and overtaking cars for no reason, you are encouraging authorities to penalize you. In India, reckless driving is punishable by a fine of Rs 5,000.

    Importance of Car Insurance Policy

    A Car insurance policy is not just a legal necessity but also a safety measure for the vehicle and a useful step in protecting your well-being and financial health.  

    1. Indian Motor Vehicle Act 1988 mandates all drivers to at least have a third-party vehicle insurance policy.
    2. Insurance helps cover third-party liabilities after an accident.
    3. Insurance compensates for theft and damages dues to accidents and natural and human-made calamities.
    4. With some insurances giving a cashless option, you can save money while getting useful repairs for your car at a network garage.

    FAQs

    1. What happens if I break a traffic rule?

    There are fines and legal measures such as the seizure of vehicles, suspension of licences, and, in extreme cases, imprisonment for breaking traffic rules in India.

    1. Is wearing a seatbelt mandatory for passengers?

    Yes, Indian traffic rules mandate that all passengers, including at the rear, should have seat belts on for safety.

    1. When to renew my car insurance policy?

    Usually, car insurance policies are valid for a year and need to be renewed after that.

    1. Can I drive my car without original documents?

    If you have a digital copy of your vehicle documents, you can drive your car and show it to authorities if asked during a vehicle check.

    Conclusion

    Now that you are aware of road safety rules in India, follow them to avoid any penalties or fatalities on the road. Be a responsible citizen by adhering to traffic rules and making roads safer.


     

    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. 

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