The Regional Transport Office (RTO) in Ajmer is a crucial institution, orchestrating and regulating the vehicular landscape in this vibrant city. As the administrative cornerstone for all matters related to transportation, the RTO plays a pivotal role in facilitating seamless processes such as vehicle registration, ownership transfers and compliance with legal mandates. Situated at Jaipur Road, Near Village Ghoogra, the RJ-01 Ajmer RTO is not merely an administrative hub but the linchpin ensuring order, safety, and efficiency of Ajmer’s roadways. It also has a website where you can access various online services related to vehicle registration. This blog delves deeper into the essential functions and significance of the RTO Ajmer.

RTO Office in Ajmer

The Regional Transport Office (RTO) in Ajmer is a crucial administrative hub overseeing various transportation and vehicle regulation aspects within its jurisdiction. Let’s look at the office in detail:

If you own a car in India, you are likely familiar with the Regional Transport Office (RTO). The Indian government entrusts the RTO with supervising and managing all transport-related activities. Each state and union territory has its own RTO overseeing transportation activities within its jurisdiction.

The Loni Road RTO office, located on Loni Road in Shahdara, operates under the jurisdiction of the Transport Department of Delhi and serves as a central hub for vehicle registration and license issuance in Delhi. Governed by the North-East Zonal authority, this office covers areas such as Seelampur, Gamri, Nand Nagari, Gokalpuri, Shahdara, Ashok Nagar, Khazuri Khas, Welcome Colony, Sunder Nagar, Karawal Nagar, Mansarover Park, Harsh Vihar, Bhajanpura, Seemapuri, Yamuna Vihar and G.T.B. Nagar. It is one of Delhi’s 13 RTO offices, and vehicles registered under this RTO are assigned the registration code DL-05.

This blog will provide comprehensive details about the Loni Road RTO office.

RTO Office on Loni Road

As an integral part of the Transport Department of Delhi and governed by the North-East Zonal authority, the Loni Road RTO is a primary hub for vehicle registration and license issuance activities. Let’s know about the offices in detail:

DL-05 Loni Road RTO Office-East Delhi

Different Types Of RTO Forms?

A comprehensive understanding of the various RTO forms is crucial for individuals engaged in vehicle registration, ownership transfer and adherence to regulatory norms. Let’s explore an overview of the diverse RTO forms and their specific applications:

• Form 20: Motor Vehicle Registration Application
• Form 21: Sales Certificate
• Form 23: Registration Certificate
• Form 24: Motor Vehicle Registration
• Form 29: Notification of Motor Vehicle Ownership Transfer
• Form 38 A: Report on Inspection
• Form 50: Bill of Lading
• Form 51: Insurance Certificate
• Form 54: Accident Information Report

The numerous Regional Transport Offices (RTOs) in Mumbai work to ensure that traffic goes smoothly in the city and that vehicles obey the road rules. They handle various vehicle-related processes like licence issuance and registration. RTO officers can also stop a vehicle and check its documents like registration certificate, PUC certificate and comprehensive car insurance papers. This way, they ensure all the vehicles comply with traffic regulations and road safety is not compromised.

This blog will explore the RTO Mumbai operations.

RTO offices in Mumbai

There are five main RTOs in Mumbai, each taking care of a particular region in the city:

MH-01 Tardeo RTO Office-South Mumbai

MH-02 Andheri RTO Office-Western Suburb Mumbai

MH-03 Worli Deputy RTO Office - South Mumbai

MH-03 Wadala RTO Office - East Mumbai

MH-47 Dahisar Deputy RTO Office - Western Suburb

Importance of Mumbai RTO in the city’s transport system

The Mumbai RTO keeps the city's transportation system in order. They collect road tax, issue permits for commercial vehicles and provide certificates for vehicle registration, PUC and VFC. To put it simply, the RTO works to make traffic flow smoothly and legally on Mumbai's roads.

Different types of RTO forms

The Ministry of Road Transport and Highways has made available a variety of forms online, each serving a distinct purpose: You can get the following forms through the RTO websites:

• Form 20: Motor vehicle registration application
• Form 21: Sales certificate
• Form 23: Registration certificate
• Form 24: Motor vehicle registration
• Form 29: Notification of motor vehicle ownership transfer
• Form 38 A: Report on inspection
• Form 50: Bill of Lading
• Form 51: Insurance certificate
• Form 54: Accident information report

Vehicle registration process in Mumbai

When purchasing a new vehicle in Mumbai, it has to be registered with your local RTO. Here's what you have to do:

1. Visit the local RTO office, submit the required documents and pay the applicable fees. The vehicle must also be brought in for inspection.
   
   
2.  The RTO official will inspect the vehicle to verify engine/chassis numbers and overall condition.
3.  After vehicle inspection, a permanent registration number is given. This may take a few days.
4.  The Registration Certificate (RC) is issued and sent to your registered address.

Transfer of ownership of a registered vehicle in Mumbai

If you’re buying or selling a second-hand vehicle, ownership must be legally transferred at the RTO. The new owner has to submit Form 29 and 30, along with the original RC, valid insurance, and PUC certificate. After verification, the vehicle will be registered in the name of the new owner.

Is it compulsory to register your vehicle with the RTO?

Indeed, registering your vehicle with the Regional Transport Office (RTO) is mandatory in India, as per the Motor Vehicles Act of 1988. This ensures that vehicles adhere to safety and environmental standards. Failure to comply with the rule can result in penalties and legal consequences. Vehicle registration also helps maintain a comprehensive database of the automobiles on the road. This assists with law enforcement and promotes overall road safety nationwide.

Documents required to register a vehicle with RTO Mumbai

Here are the important documents you need for vehicle registration:

• Completed Form 20
• Insurance certificate
• Pollution Under Control (PUC) certificate
• Forms 21 and 22 from the dealer
• Proof of address (Aadhaar card or passport)
• PAN card
• Dealer invoice
• Photographs
• Proof of DOB (Aadhaar)
• Chassis and engine number print
• Temporary RC (if any)
• Form 34, if under a loan

Common challenges and tips

Most people get confused or frustrated with the RTO procedure. Here are some challenges and tips to tackle them to make things simpler:

Challenges

• Long queues at the RTO, especially if you go without booking appointments online.
• Too much paperwork and confusing processes.
• Missing or incorrect documents often lead to multiple visits.
• Approvals, verifications and issuance of documents can take weeks or months.

Tips to handle them:

• Verify your documents before going to the RTO.
• Book appointments online whenever possible.
• Have a soft copy of all forms and receipts.
• Request your vehicle dealer to guide you through the first-time registration procedure.

Car insurance in Mumbai

Registration of your vehicle is just half the requirement. You should also insure your vehicle to get protection against accidents, theft and third-party claims. Compare different car insurance online to find the right policy that covers incidents beyond the essentials. This can give you peace of mind while driving.

Conclusion

The Mumbai RTO is instrumental in making the roads in the city safe, legal, and orderly. If you own a vehicle in the city, it is important to know how the RTO works.

As you make the effort to register and keep your vehicle road legal, we can help you safeguard it. Obtain personalised guidance on comprehensive car insurance plans by completing the form on this page. Whether you are purchasing a new vehicle or renewing an existing one, we have you covered.

FAQs

• How many RTO offices are there in Mumbai?

There are 5 RTO offices in Mumbai: MH-01 (Tardeo), MH-02 (Andheri), MH-03 (Worli and Wadala), and MH-47 (Dahisar).

• How much does it cost to register a two-wheeler in Mumbai?

It takes around ₹300 to register two-wheelers in Mumbai.

• How long does it take to get the RC after registration?

It generally takes no more than 30 days to get the RC after successful verification.

• Is it possible to apply for a driving licence online in Mumbai?

Yes, you can apply for a driving licence online through the Parivahan website.

• Do I need to have car insurance for registration?

Yes, an insurance certificate is a mandatory document at the time of registration.

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.

Navigating the bustling city of Lucknow necessitates understanding the Regional Transport Office (RTO). Under the Indian Motor Vehicles Act 1988, Lucknow’s RTO ensures efficient transport facilities and enforces regulatory measures. To access RTO services and information, residents can visit the official online portal: RTO Lucknow. This blog will delve into the functions, processes and key aspects of the Lucknow RTO, offering essential knowledge for seamless interactions with this vital government entity.

RTO Office in Lucknow

The RTO office in Lucknow emerges as a pivotal authority actively involved in shaping and regulating transportation. Its crucial role extends from overseeing vehicle registrations to licensing, ensuring order maintenance and efficiency on Lucknow’s roads. Here’s a complete detail:

What Are The Different Types Of RTO Forms?

Understanding the different types of RTO forms is essential for a smooth interaction with this administrative entity, which is:

Form 20: Apply for motor vehicle registration.

Form 21: Sales certificate.

Form 23: Obtain the registration certificate.

Form 24: Register the motor vehicle.

Form 29: Notify the transfer of ownership of the motor vehicle.

Form 38 A: Submit the inspection report.

Form 50: Provide the bill of lading.

Form 51: Acquire the certificate of insurance.

Form 54: File an information report of an accident.

These forms, designated by the Ministry of Road Transport and Highways, serve distinct purposes in vehicle registration and ownership transfer processes.

Travelling around Janakpuri involves dealing with the Regional Transport Office (RTO), which manages everything related to vehicles. They’re like the guardians of cars and bikes. You'll find their online hub at, serving as a go-to place for crucial services and information about vehicles in Janakpuri. It's the spot where you sort out important things for your vehicle.

 This blog delves into Janakpuri’s RTO, the types of forms and the registration process. Join us to explore RTO Janakpuri and its impact on your wheels!

RTO Office in Janakpuri

RTO office Janakpuri stands as the nerve centre for vehicle-related administrative affairs. Here’s a complete detail:

 
Types of RTO Forms

Interacting with the RTO necessitates understanding diverse forms serving essential purposes:

1. Vehicle Registration: This is essential for formally registering a vehicle with the RTO.
2. Transfer of Ownership: Facilitates the legal transfer of vehicle ownership from one party to another.
3. Address Updates: Allows for notifying any changes in the registered address. Familiarity with these distinct forms is vital when engaging with the Regional Transport Office, ensuring compliance with the necessary procedures for vehicle registration, ownership transfer, and address updates within Janakpuri’s administrative domain.

Vehicle Registration Process in Janakpuri

The vehicle registration process unfolds through a systematic series of steps:

1. Obtain a registration form from the RTO office Janakpuri or their online platform.
2. Thoroughly complete the form, ensuring accuracy in the provided details.
3. Accompany the form with pertinent documents such as proof of identity, address, and the vehicle's purchase invoice.
4. Payment of requisite fees is mandatory.
5. Await the RTO's verification and inspection process.
6. Upon approval, receive the registration certificate, marking the legal validation of your vehicle.

Nestled at the heart of Rajasthan, the Jaipur Regional Transport Office (RTO) serves as the focal point for all vehicle-related matters. With accessibility through its online portal, it is pivotal in supervising various vehicle functions.

Familiarizing oneself with the dynamics of the RTO facilitates compliance and seamless navigation through procedures, providing individuals with the means to adhere to regulations and ensuring a more streamlined experience in dealing with vehicular affairs within the city.

RTO Office in Jaipur

Step into the administrative heartbeat of Jaipur, where vehicular regulations and transport dynamics converge—the Regional Transport Office (RTO). Nestled in the heart of Pink City, the RTO office in Jaipur is not merely an administrative centre but a pivotal force shaping the city’s transportation landscape. Join us as we unravel the RTO offices in detail:

Different Types of RTO Forms

There are different types of RTO Jaipur forms, let’s look into them:

• Forms for Vehicle Registration: These forms facilitate new vehicle registrations, re-registrations from other states and temporary registrations for vehicles in transit or pending sale.
• Licence Application Forms: Essential for driving licenses, these forms cover learner’s permits, licenses for various vehicle categories and renewal or address modification requests.
• Forms for Ownership Transfer: These documents aid in transferring vehicle ownership and accommodate changes from sales, auctions or between individuals.
• Address Modification Forms: Used to update address details in vehicle-related records, ensuring accurate owner information.
• Miscellaneous Forms for Specific Requirements: These diverse forms cater to unique needs such as hypothecation removal after loan repayment and obtaining NOCs for inter-state registration transfers.

Vehicle Registration Process in Jaipur

Here is a step-by-step process for vehicle registration in RTO Jaipur, Rajasthan:

• Form Submission and Documentation: Fill out the required application forms accurately and submit proof of purchase, identification, and address documents.
• Documentation Verification: Validate submitted documents for authenticity and accuracy.
• Vehicle Inspection: Inspect the vehicle for safety and emission standards compliance.
• Fee Payment: Pay registration fees and taxes per vehicle type and age.
• Issuance of Registration: Receive a unique registration number and certificate upon completion.

Having a vehicle provides independence and eases travelling, but at the same time, it comes with some responsibilities. Following the rules and regulations laid by the Regional Transport Office (RTO) is one of the most significant things to accomplish.

The RTO has an important role in making sure that the city's roads are safe and that its transport system works well. It works behind the scenes to ensure that every car on the road is legal, safe and has the right paperwork like registration certificates, driving licences, PUC and car insurance.

This guide will help you learn about the Mohali RTO and the services it offers.

RTO office in Mohali

The RTO offices in Mohali serve as the driving force behind the well-structured transportation system in the city. Let’s explore the address and contact details of the RTO offices:

PB-65 Mohali RTO office

PB-27 Mohali RTO office

Importance of Mohali RTO in the city’s transport system

The Mohali RTO is more than simply a place to check papers. It makes sure that only legal vehicles operate on the road. The RTO does a lot to keep people safe on the road and cut down on accidents by making sure traffic rules are followed. It also helps keep pollution levels down by ensuring that cars and trucks satisfy emission regulations.

What are the different types of RTO forms?

The Ministry of Road Transport and Highways has simplified procedures by offering a range of designed RTO forms for specific purposes. Here is a brief overview of some essential RTO forms:

• Form 20: Application for motor vehicle registration.
• Form 21: Certificate of sale
• Form 23: Vehicle registration certificate
• Form 24: Registration of a motor vehicle
• Form 29: Notification of transfer of ownership for a motor vehicle
• Form 30: Application for notification and transfer of vehicle ownership.
• Form 38 A: Inspection report
• Form 50: Bill of Lading
• Form 51: Certificate of insurance
• Form 54: Information report of an accident

Knowing and properly utilising these forms is crucial when dealing with RTO services in Mohali.

Vehicle registration process in Mohali

Registering a vehicle in Mohali involves a step-by-step process:

• Visit the RTO office in Mohali with all the necessary documents and completed forms.
• Present the required documents, including proof of identity and address, along with the filled-out forms.
• Submit the demand draft (DD) for road tax payment as per regulations.
• Pay the charges for your registration process.
• The processing time usually takes around two to three days, although there might be exceptions.
• Once completed, you will receive a unique vehicle number from the RTO officially recognising your vehicle.
• This process ensures that vehicles in Mohali are recognised legally and comply with transportation regulations.

Transfer of ownership of a registered vehicle in Mohali

When transferring ownership of a vehicle within Mohali, there is a structured procedure to ensure a smooth transition from seller to buyer. Here’s a guide to navigate through it easily:

• Fill out the RTO Forms 29 and 30.
• Secure a No Objection Certificate (NOC) from the state of the vehicle’s initial registration. If the vehicle was financed, obtain an NOC from the
• Make sure your vehicle has a Pollution Under Control (PUC) certificate.
• Get an up-to-date vehicle insurance certificate.
• Fulfill all your obligations by paying the fees and road taxes.
• Complete the registration process by submitting all required documents and fulfilling all formalities.
• Confirm the sale and purchase of your vehicle by providing evidence of age, address proof and passport-sized photographs.

By following these steps and ensuring that all relevant documents are in order, you can expect a smooth transfer process for your vehicle registration in Mohali.

Services offered by Mohali RTO

The Mohali RTO offers several services, such as:

• Registering and re-registering vehicles
• Issuance of learner’s permits and driving licences
• Road tax collection
• Issuance of fitness certificates for commercial vehicles
• Updating data in the RC

Is it compulsory to register your vehicle with the RTO?

Yes, you need to register your vehicle with the RTO. It is illegal to drive an unregistered car, and you could receive a heavy fine or even have your vehicle confiscated.

When you get your car registered, it is associated with your name and address. It is easy for the police to identify the owner if it is stolen or involved in an accident. It also ensures that you are paying your road tax, which helps keep roads in good condition.

Common challenges and tips

A lot of individuals think that visiting the RTO and following the processes takes a lot of time. Some common problems leading to difficulties are:

• Not having the right documents or not having them at all.
• Not knowing which forms to fill out
• Getting the registration certificate or licence late

Here are some tips to make it easier:

• Check the official website for the forms and documents you need before you go.
• Go early in the day to prevent long queues.
• Only send authorised agents if you can't go in person

Four-wheeler insurance in Mohali

Having valid insurance is essential when you register your car, especially third-party insurance. This keeps you from losing money if your car damages someone else's vehicle or property.

You can get more coverage with comprehensive car insurance. This kind of policy not only pays for damage to other people's property, but it also protects your car from accidents, theft, fire and natural disasters.

Conclusion

The Mohali RTO is a key component of the city's transport network, ensuring that all vehicles on the road are legal, safe and properly documented. You can get RTO-related services more easily by understanding how it works and preparing your documents in advance, and don't forget the importance of carrying the right insurance when you are dealing with your car documents. It saves you and other individuals on the route if there is an accident.

Need help picking the right car insurance? We can help you get personalised advice and plans that work for you. Just fill out the form on this page, and our specialist will help you find the best coverage.

FAQs

• Is it necessary to register your car at the RTO?

Yes, you must register your car before you can drive it on public roads.

• What do I need to do to transfer ownership of my car?

You can transfer ownership by going to the RTO office, filling out the right forms and paying the required amount.

• Do I need car insurance to have my car registered?

Yes, you need at least third-party car insurance to get your car registered.

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.

Junagadh, a city steeped in history and culture, is also home to an administrative centre- the Regional Transport Office (RTO). The Junagadh Regional Transport Office (RTO), overseen by the Ministry of Road Transport and Highways, supervises and regulates various facets of vehicles.

 If you any need information or online assistance, visit the RTO Junagadh website or contact their office directly. Vehicle owners and those navigating through Junagadh’s regulations need to understand the functions and services provided by the RTO.

RTO Office in Junagadh

The RTO office in Junagadh acts as a connection point between vehicle owners and regulatory authorities. Its main responsibilities include issuing vehicle registrations, driver’s licences and road-related tax collection. By fulfilling these tasks, it contributes to creating a well-organised transportation system within the city.

What are the Different Types of RTO Forms?

To streamline administration processes, the Ministry of Road Transport and Highways has introduced types of RTO forms. Each form serves a  distinct purpose within this domain.

Here is a comprehensive list of the RTO forms for processes related to vehicle registration in Junagadh:

• Form 20: Motor Vehicle Registration Application
• Form 21: Sales Certificate
• Form 23: Registration Certificate
• Form 24: Motor Vehicle Registration
• Form 29: Notice of Transfer of Ownership for a Motor Vehicle
• Form 30: Application for Notification and Transfer of Vehicle Ownership
• Form 38 A: Inspection Report
• Form 50: Bill of Lading
• Form 51: Certificate of Insurance
• Form 54: Information Report of an Accident

Vehicle Registration Process in Junagadh

 To initiate the vehicle registration process in Junagadh, you need to follow these steps;

1. Visit the RTO office. Submit all the required documents and duly filled forms.
2.  Present a demand draft for the road tax.
3.  Follow the instructions provided by RTO officers regarding submission of the registration form and required documents.
4.  Pay the charges involved in processing, which usually takes around two to three days for completion.

After processing and verification, the RTO will allocate a vehicle number to you.

Driving a car is all fun until one has to drive on a hill or descend a steep slope. Going on a mountain, slope, or other inclined surface is the hardest, and sometimes, people lose control. Thus, to resolve this issue, car manufacturers offer the best technological instruments to make driving uphill much more accessible.

With the help of hill-hold power in cars, one can quickly drive a vehicle on any surface without any hassle, and it also ensures the safety of the drivers and passengers. However, this guide briefly answers what is hill hold control in cars and its benefits. 

How does hill hold control work?

Here are some points on the query: What is hill assist control?

• The hill-hold control is a driver assistance system that prevents the vehicle from rolling back on a slope, uphill, or any inclined surface as the driver starts driving the car from a stationary position. For instance, when an individual moves his/her car on the uphill road from a dead stop position, the vehicle may roll back when one releases the brakes and starts driving again. Rolling back of a vehicle leads to severe accidents, injuries, and sometimes death.
• To resolve rolling backward situations and reduce accidents, car manufacturers use the latest technology and install hill-assist or hill-hold control in cars to allow optimum support.
• The hill hold control applies brakes for a few seconds after one releases the brake to allow additional time so the driver can quickly move the vehicle without rolling back. One can keep the car in a stable position.
• Hill hold control systems work with the help of a pair of sensors such as incline detection, clutch detection, engine torque detection, brake detection, forward roll detection, and backward roll detection. These sensors help quickly detect and measure the longitudinal incline of the hill and engage the braking system.
• This system works automatically whenever the sensor detects the inclined surface.
• It also eliminates the risk of wear and tear on different components in the car.

Use of hill assist control

Hill assist control is designed to ensure a hassle-free and safe driving experience in multiple driving situations where vehicles face inclines. It is useful in the following conditions:

• Urban driving – Useful when driving on flyovers, bridges, or steep roads in crowded cities.
• Mountain roads – Prevents rolling back on hilly or mountainous terrain, reducing stress for the driver.
• Heavy traffic – Helps in stop-and-go traffic on steep roads, ensuring smoother transitions between braking and acceleration.
• Parking ramps – Assists in navigating multi-level parking areas with steep inclines.

Advantages of hill hold assist in cars

Hill hold assist comes with several advantages that enhance driving safety and comfort. Here are some key benefits:

1. Prevents vehicle rollback

It prevents the car from rolling backward when starting on a slope, reducing the risk of collisions.

2. Enhances driver confidence

New or inexperienced drivers often struggle to manage the clutch, brakes, and accelerator on steep roads. Hill hold assist makes the process smoother, giving them confidence.

3. Reduces wear on the clutch and brakes

Frequent use of the handbrake or half-clutch technique can lead to premature wear and tear. Hill hold control minimises this by providing an automated solution.

4. Increases safety in traffic

In heavy traffic situations on inclines, it prevents accidental backward movement, reducing the chances of hitting vehicles behind.

5. Works seamlessly with other safety features

Hill hold control works in coordination with ABS, traction control, and electronic stability control, enhancing overall vehicle stability.

List of cars with hill assist control in India

Many cars in India, especially in the mid-range and premium segments, now have hill hold control. Below is a list of popular vehicles that offer this feature:

Hatchbacks with hill hold control:

• Tata Altroz (DCA variant)
• Hyundai i20 N Line
• Maruti Suzuki Baleno (Automatic variants)
• Volkswagen Polo GT TSI

Sedans with hill hold control:

• Honda City (CVT variant)
• Hyundai Verna
• Skoda Slavia
• Volkswagen Virtus

SUVs with hill hold control:

• Mahindra XUV700
• Tata Harrier
• Hyundai Creta
• Kia Seltos
• MG Hector

Premium cars with hill hold control:

• BMW X1
• Audi Q3
• Mercedes-Benz GLA
• Volvo XC40

Hill hold control is a standard feature in most automatic transmission cars, while it is usually available only in higher trims in manual transmission vehicles.

Conclusion   

As the automotive industry advances, hill hold control is becoming more common, even in budget-friendly models. If you frequently drive on hilly terrain or navigate steep urban roads, choosing a car with this feature can be a smart and practical decision.

Hill hold control enhances safety, reduces maintenance and repair costs, and helps prevent accidents. This can lead to lower premium rates when purchasing car insurance online. Additionally, fewer claims result in a higher no-claim bonus in car insurance, rewarding policyholders for minimal or no claims.

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

The immense focus on Electric Vehicles (EVs) by the Indian government has led to EVs gaining popularity in India.

Electric Vehicles offer lower running costs. But that is not all of the benefits of electric vehicles.

In this post, we will understand the electric vehicles advantages in India. We will decipher the benefits of electric vehicles from a cost perspective. We will also figure out how they are environmentally friendly and future-proof, which might impact car insurance positively.

Benefits of EVs in India

Let us discuss the advantages of EVs in detail:

Low Cost Usage

• One of the primary advantages of electric cars in India is the significantly lower cost of usage compared to internal combustion engine (ICE) vehicles.
• As EVs have no need for petrol or diesel, you can save on fuel expenses.
• The cost of charging an EV is also lower.
• With the government’s focus on renewable energy sources like solar power, further cost reduction is possible.

Affordable Maintenance

• Electric vehicles are simpler in design. They have lesser moving parts as compared to ICE vehicles.
• Lower moving parts result in lesser maintenance costs over the EV’s lifetime.
• With fewer components subject to wear and tear, EV owners can expect

• • reduced servicing expenses, and
  • longer-lasting components

Tax and Financial Perks

• The Government of India is actively promoting the adoption of EVs. These efforts include policies like:

• • FAME-II
  • PLI Scheme
  • Battery Swapping Policy
  • Special Electric Mobility Zone
  • Tax Reduction on EVs

• This has resulted in benefits like

• • Reduced registration fees
  • Lower road taxes on EV purchases

SUVs have surged in popularity in the Indian market as an appealing substitute for hatchbacks, sedans, and MPVs. They are renowned for their features that provide added comfort and convenience. SUVs come priced at a higher range compared to other cars. The price tag is one good reason to invest in a comprehensive car insurance policy while purchasing your vehicle. From potential thefts to unfortunate repairs, it keeps you financially secure.

Catalogue of Upcoming SUVs in India

• Mercedes-Benz EQA
• Tata Harrier
• Volkswagen Tiguan Allspace
• Maruti Jimny
• KIA Seltos
• Jeep Grand Cherokee
• Mahindra Bolero Neo Plus
• Skoda Enyaq iV
• Hyundai Kona Electric
• Hyundai ALCAZAR

Mercedes-Benz EQA | Expected Launch Date: March 2023

• Mercedes-Benz has unveiled this upcoming SUV in India 2023, its latest addition to its electric SUV line-up.
• The launch in India is anticipated with an estimated price of around Rs 60 lakh.
• The EQA has a 66.5kWh battery pack and delivers a range of 426 km.
• The vehicle allows up to 80% charge in 30 minutes.
• Features include LED headlamps and a dual-screen setup with up to 10.25-inch display.
• Safety provisions typically include Active Distance Assist, Active Steer Assist, Evasive Steering Assist, and Active Blindspot Monitoring.

Tata Harrier | Expected Launch Date: March 2023

• This is one of the upcoming SUV cars in India 2023, with a uniform price increase of Rs 20,000 across its range.
• This midsize SUV by Tata is available at Rs 15.20 lakh to Rs 24.27 lakh.
• The vehicle accommodates five passengers and gets powered by a 2-litre diesel engine.
• The fuel efficiency ratings stand at 16.35 kmpl for Diesel MT and 14.6 kmpl for Diesel AT.
• Feature highlights include a panoramic sunroof and rain-sensing wipers.
• Safety features comprise up to six airbags and blind spot detection.

Volkswagen Tiguan Allspace | Expected Launch Date: April 2023

• This is one of the upcoming SUV cars in India introduced in the Indian market featuring a BS6 phase II compliant engine.
• The price for the model currently stands at Rs 34.69 lakh.
• With a seating capacity for up to five passengers, the SUV is powered by a 2-litre turbo-petrol engine.
• Notable features of the Tiguan include a panoramic sunroof and a power-adjustable driver’s seat.
• Safety measures include six airbags and park assist.

Maruti Jimny | Expected Launch Date: May 2023

• Suzuki is set to launch one of the best models of upcoming SUVs in India as an off-road lifestyle vehicle.
• It is available in two main variants: Zeta and Alpha. It comes in dual-tone and monotone colours.
• With a seating capacity for four passengers, the Jimny boasts a ground clearance of 210mm and offers a 208-litre boot space. The boot space is typically expandable to 332 litres when you manually fold the rear seats.
• Feature-wise, the Jimny boasts cruise control and automatic climate control.
• Safety measures include six airbags and a rearview camera.

KIA Seltos | Expected Launch Date: May 2023

• As one of the most anticipated upcoming SUVs in India 2023, Kia Seltos ranges from Rs 10.89 lakh to Rs 19.99 lakh.
• The 2023 Seltos offers a 5-seater layout and a choice of three engines. This includes a 1.5-litre petrol, a 1.5-litre diesel, and a 1.5-litre turbo-petrol engine. These engines get paired with manual, CVT, iMT, or automatic transmissions.
• The Seltos has various colour options and boasts climate control and a panoramic sunroof.
• Advanced safety features include six airbags and adaptive cruise control.

Jeep Grand Cherokee | Expected Launch Date: May 2023

• The Jeep Grand Cherokee is one of the upcoming SUV cars in India 2023, available for Rs 78.50 lakh across India.
• The vehicle is offered in a single fully equipped Limited (O) model.
• With a seating capacity of five individuals, this fifth-generation model boasts a ground clearance of 215mm.
• A 2-litre turbo-petrol engine is powering the vehicle, coupled with an eight-speed automatic transmission.
• The fifth-gen Grand Cherokee includes a nine-speaker sound system, heads-up display, and wireless phone charging.
• Safety measures typically include eight airbags, electronic stability, and adaptive cruise control.

Mahindra Bolero Neo Plus | Expected Launch Date: May 2023

• As one of the most anticipated upcoming SUV cars in India, this model might start at around Rs 10 lakh.
• The main variants include P4, P10, and P10 (R). It will be available in both seven and nine-seater configurations.
• The vehicle will have a 120 PS, 2.2-litre diesel engine and a potential 6-speed manual transmission.
• Notable features encompass cruise control and an adjustable driver’s seat.
• Safety features likely consist of dual front airbags and rear parking sensors.

Engines have long been the heart and soul of automobiles, propelling vehicles forward with their power and efficiency. In recent years, a remarkable advancement in engine technology has taken centre stage – the turbo engine. So, what is turbo engine in cars? We will look into the details so that you get a clear answer.

With its ability to deliver impressive performance and improved fuel efficiency, the turbo engine has become a driving force behind modern car designs. But what exactly does a turbo engine mean, or what is turbo in a car, and how does it work? Let’s find out.

What is a turbo engine in a car?

A turbo engine, also called a turbocharged engine, is a type of internal combustion engine found in cars. It utilises a turbine-driven forced induction system to increase the engine’s power and efficiency. The system works by forcing more air into the engine's cylinders, allowing it to burn more fuel and produce more power. This offers improved fuel economy and performance than a naturally aspirated engine.

How does a turbo engine work?

Now that you know what is turbocharger in cars, let’s understand its mechanics. To understand the mechanism of a turbo engine in a better way, go over the following pointers.

• A turbo engine consists of a compressor wheel and a turbine wheel connected by a shaft. These components are seen within a snail-shaped housing with an exhaust and inlet ports.
• The inlet port allows the exhaust gases produced by the engine to enter the turbocharger at high pressure and spin the turbine wheel. The turbine wheel, in turn, rotates the compressor wheel, which draws in a large amount of air from the outside.
• The compressor wheel compresses the air, which then expels it through the outlet port. Next, the compressed air flows into the cylinders through a pipe, where it combines with the fuel, resulting in a more potent explosion within the combustion chamber.
• The best thing about a turbocharger is that it does not require additional engine power to run. Instead, it uses the engine’s exhaust gases that would otherwise go to waste. This way, it improves the performance and efficiency of the engine without increasing fuel consumption.
• Since the turbocharger works at incredibly high pressure and generates high temperatures, it is usually accompanied by an intercooler. The intercooler functions as a device to cool the compressed air before it reaches the cylinders. This crucial step helps prevent engine overheating and minimises the potential for engine knocking.

Advantages and disadvantages of a turbo engine

Turbo engines have their own set of pros and cons. Let’s look at them in the following table.

Are you on an exciting journey of buying a brand new car? It's a significant investment, right up there with purchasing a house. But unlike a house, a car is a depreciating asset. Buying a car goes beyond the desire for comfort and convenience. A car often reflects your social and financial standing. However, it's important to remember that there are other expenses to consider along with the car's cost. Determining a budget that aligns with your financial health and long-term goals is crucial. Let's dive into the key considerations when calculating your new car budget in India.

Things to consider when calculating your budget for a new car

When calculating your budget for a new car, several crucial factors must be considered. Consider the following factors to calculate car budget, including:

Thumb rule: Set a reasonable budget

If you are wondering about "what car can I afford based on salary?" follow this thumb rule. A fundamental thumb rule to abide by when determining your budget for a new car is to avoid allocating more than half of your annual income to this purchase. This pragmatic guideline ensures a balanced approach to car affordability while safeguarding your overall financial stability.    

So, if you’re wondering “how do I know if I can afford a car?”, consider an illustrative scenario: if your annual income stands at ₹10 Lakhs, a reasonable budget would entail earmarking around ₹5 Lakhs for the car's cost. However, it's crucial to emphasise that this thumb rule doesn't solely encompass the car's ex-showroom price. Instead, it extends to the on-road price, which includes expenses like road tax, registration charges, and car insurance premiums. This comprehensive car insurance view provides a more accurate reflection of the actual costs of acquiring the vehicle.

When opting for a car loan, the thumb rule extends further to encompass the 20/4/10 principle. It entails initiating the purchase with a down payment of 20% of the car's price. Subsequently, securing a loan tenure within four years is recommended to avoid prolonged interest payment durations. Additionally, ensuring that your car-related expenses, including EMIs and car insurance, collectively remain within 10% of your monthly salary underpins prudent financial management.

Choose between new or old.   

Consider your needs rather than just your wants. If budget constraints come into play, don't overlook the option of a used car. Used cars can be up to 30% - 40% cheaper, depending on their age and condition. However, remember to account for potential maintenance costs and steer clear of vehicles older than five years.

Buying the right size   

Choose a car size that suits your family's needs and lifestyle. A hatchback or sedan might be ideal for a family of four, while a Multi Utility Vehicle (MUV) could be a better fit for larger families. Opting for a smaller model, when possible, can lead to cost savings.

Avoid negative compounding

Eligibility for a loan doesn't necessarily equate to affordability. Going beyond your budget can lead to negative compounding – the more you borrow, the higher your interest payments. Be cautious not to be lured into a larger loan than you can comfortably manage.

Contemplate maintenance costs

Remember, owning a car means ongoing expenses. Consider factors like insurance premiums, maintenance, fuel, and service costs. Over time, these seemingly minor expenses can accumulate and impact your financial well-being. Scrutinise the car's technical specifications, such as transmission modes and fuel types, to ensure they align with your budget.

More savings than EMI

Your car's Equated Monthly Instalments (EMIs) should not consume more than 10% of your savings. Ensure you're setting aside more funds than you allocate toward your car payments. If your EMIs exceed this threshold, consider postponing your purchase until your financial situation strengthens.

Types of spenders and new car budgeting advice

• Your approach to budgeting will also depend on the type of spender you are. Let us explore three common types:
• The practical buyer: If you are financially conservative and prefer low-risk options, choose a reliable and fuel-efficient car that fits within 40–50% of your annual income. Look for long-term value, low maintenance and affordable comprehensive car insurance.
• The aspirational buyer: If you dream of owning a premium car but do not want to strain your finances, consider purchasing a second-hand luxury car or using a larger down payment to reduce EMIs. Always factor in the higher insurance premiums that come with such vehicles.
• The impulsive buyer: If you tend to splurge, it is important to set strict financial boundaries. Avoid high EMIs that could affect your lifestyle or savings. Consider pre-owned options and research extensively before buying. Ask for a detailed quote on car insurance beforehand, which will help prevent surprise costs later.

How to calculate the budget for your car?   

When wondering “how to know if I can afford a car”, you must learn the basic steps to calculate the car's budget. Calculating your car budget entails several essential steps:

Check the on-road price

Before finalising your car budget, thoroughly examine the on-road price. This comprehensive figure includes the car's base cost and additional expenses like taxes, registration fees, and car insurance. Understanding the on-road price gives you a clearer picture of the overall investment required for your chosen vehicle.

Consider the monthly payments.

Calculate the monthly payments, including EMIs (Equated Monthly Instalments), and you'll need to allocate this for your car purchase accordingly. This step is crucial if you're opting for a car loan. Ensuring that the monthly payments fit comfortably within your financial capacity is essential.

Access your down payment.

Determine the amount you can allocate as a down payment for the car. You should know that a higher down payment lowers the loan amount, leading to lower monthly payments. Assessing your down payment capability helps you tailor your car budget to suit your financial situation.

Check the exchange value of your current vehicle, if any.

If you're replacing an existing vehicle, evaluate its exchange value. A good resale value for your old vehicle can significantly impact your new car's cost, potentially reducing your overall expenditure.

Consider your total debt.

Take a complete view of your existing financial commitments and debts. Assess whether adding a car loan to your financial portfolio is feasible. Carefully consider your total debt to ensure the new car purchase aligns with your financial stability.

Conclusion

In the exhilarating pursuit of a new car, prudent budgeting is vital. Consider a balanced approach, adhering to a rule of not exceeding half your annual income for the car's cost, including on-road expenses. Opt for practicality between new and used cars, accounting for maintenance costs. Evaluate size, savings-to-EMI ratio, down payment, exchange value, and total debt. Remember, car insurance safeguards your investment, so choose one wisely. With these principles, embark on your car journey confidently and financially prepared.

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.

In recent years, there has been a significant increase in the popularity of luxury cars among people in India. This is mainly because the country's economy has been multiplying, and many people now want to showcase their wealth and status by owning extravagant vehicles.

As more and more people become wealthy, they are looking for high-end cars that are not only elegant but also offer top-notch performance and the latest technology. You can find many luxury cars, including posh sedans, powerful SUVs, and stylish sports cars. Let's look at the list of top luxury cars in India.

List of Best Luxury Cars in India 2023

1. Mercedes-Benz S-Class

The Mercedes-Benz S-Class is one of the world's most luxurious and advanced sedans. It offers a blend of comfort, performance, safety, and technology unmatched by any other car. The Mercedes-Benz S-Class is currently available in three variants: the S350d, S400d 4Matic, and the S450 4Matic (Petrol). It is available in five colours– Designo Diamond White Bright, Onyx Black, Nautic Blue, High Tech Silver, and Graphite Grey.

Other features:

The S350d has a 3.0-litre diesel engine that produces 281.61bhp@3400-4600bhp of power and 600Nm@1200-3200rpm of torque.
In terms of entertainment, it has a 12.8-inch MBUX touchscreen infotainment system with Android Auto and Apple CarPlay, a Burmester 4D sound system.
Its safety features include ten airbags, active parking assist, a 360-degree camera, pedestrian protection, and lane-keep assist.

2. Land Rover Range Rover

The Land Rover Range Rover gets classified as a premium SUV. Among the best luxury cars in India, this vehicle gets noted for its luxury, off-road capability, and advanced technology. The Land Rover Range Rover is available in 50 variants, with engine options ranging from 2996 cc to 4395 cc and a choice of 1 transmission: Automatic. It comes in four broad trims: SE, HSE, Autobiography, and First Edition. It also has two wheelbases and three seating options on offer. Some noteworthy features of this car are:

It has a 13.1-inch curved MBUX touchscreen infotainment system along with Android Auto & Apple CarPlay and a Burmester 4D sound system.
It also features four-zone climate control, 64-colour ambient lighting, two wireless phone chargers, rear-seat entertainment screens, a massage function, air suspension, and a panoramic sunroof.
Its safety features include six airbags, active parking assist, a 360-degree camera, pedestrian protection, lane-keep assist, and a tyre pressure monitoring system.

3. BMW X7

The BMW X7 is the ultimate SUV for those who want to experience the best of both worlds: luxury and adventure. It is a car that can take you anywhere with style and confidence. It is available in two variants: the xDrive40i M Sport and the xDrive40d M Sport. The xDrive40i M Sport gets powered by a 3.0-litre six-cylinder petrol engine with 48V mild-hybrid technology that produces 375.48bhp@5200-6250 of power and 520Nm@1850-5000rpm of torque. The xDrive40d M Sport gets powered by a 3.0-litre six-cylinder diesel engine that produces 335.25bhp@4400rpm of power and a torque of 700Nm@1750-2250rpm. Both engines come equipped with an 8-speed automatic transmission and feature BMW's xDrive all-wheel drive system.

Other features include the following:

It has a 14.9-inch curved MBUX touchscreen infotainment system and a 16-speaker Harman Kardon surround sound system.
BMW X7 is available in four colours: Alpine White, Black Sapphire Metallic, Phytonic Blue Metallic, and Mineral White Metallic.
It also has an instrument cluster of 12.3-inch digital, iDrive Controller, widescreen curved display, hands-free tailgate, 5-zone remote climate control, and many more.

4. Toyota Vellfire

The Toyota Vellfire is a premium MPV. It has two variants, namely Hi and VIP Executive Lounge. It has a 2.5-litre petrol-hybrid engine that produces 115.32bhp@4700rpm of power and a torque of 198Nm@2800-4000rpm. The engine has a CVT gearbox and an e-Four all-wheel drive system. Other features of this car are:

a 13.9-inch monitor for rear entertainment and a 15-speaker JBL sound system.
14-colour ambient lighting, a dual-panel sunroof, a heads-up display, and power-operated sliding doors.
The Toyota Vellfire safety features include seven airbags, ABS with EBD and brake assist, vehicle stability control, blind spot monitor, and more.

If you’re a proud owner of a vehicle, chances are that you might be looking for an insurance cover to safeguard your prized possession. But first, you must know about the different types of insurance coverage available to understand what’s in it for you.

Motor insurance generally encompasses various motor vehicles like motorcycles, cars, and commercial vehicles. This insurance is crucial for personal and public safety. Motor insurance extends beyond the vehicle itself. To delve into its specifics, let's explore the types of motor insurance and their coverage. Generally, the classification gets based on two factors: the vehicle type that’s insured and the desired coverage extent. By understanding the various aspects of motor insurance, you can ensure your protection and the well-being of others on the road.

Types of Motor Vehicle Insurance

Different types of motor vehicle insurance offer various coverage options. The following are some of the most popular types of motor insurance policies in India.

Private Car Insurance

Car Insurance provides financial protection for personally used vehicles. It safeguards cars and owners from accidents, theft, fires, and natural calamities. It also covers third-party liabilities, including injuries, fatalities, or property damage from accidents involving the insured car. While third-party liability coverage is obligatory by Motor Vehicle Act in India, having own damage insurance is good for its comprehensive coverage. However, it excludes damages from breakdowns, invalid licenses, drunk driving, wear and tear, and incidents outside the specified area or due to commercial use.

Policyholders can enhance coverage with optional add-ons like zero depreciation, engine assistance, loss of belongings, return to invoice, and consumables cover. Factors like budget, coverage needs, vehicle age, and type play a significant role in this type of car insurance.

To file a Private Car insurance claim, contact your agent, dial the toll-free number, or complete online forms provided by your insurance service provider. Ensure you possess essential details like incident date and time, policy number, and contact information. 

Two-wheeler Insurance

A two-wheeler policy is mandatory and covers third-party liabilities and own damages. The types of motor vehicle insurance, in this case, include third-party, comprehensive, and standalone own-damage insurance. 

Third-party insurance is obligatory and covers third-party losses. Comprehensive insurance covers personal damages and third-party liabilities. Standalone own-damage insurance covers the insured vehicle.

Inclusions cover natural and man-made damage. Exclusions include driving under the influence of intoxicating substances and the absence of valid documentation. 

Commercial Vehicle Insurance

It is one of the most popular types of motor vehicle insurance that covers damage to or by commercial vehicles, protecting both parties in accidents. Business owners are mandated to insure vehicles like trucks, buses, and cabs. Key features include comprehensive coverage for public and private carriers, liability for accidents, and compensation for unexpected expenses. It also addresses third-party damage and offers personal accident coverage. Exclusions encompass wear and tear, war perils, and usage limitations. This insurance ensures business operations continue smoothly by providing financial security against adverse events.

To claim this insurance, promptly inform the insurer and provide essential details like time, location, and incident description. Required documents for claiming your insurance include vehicle registration, driving license, claim form, FIR copy, tax receipt, Aadhar card, fitness certificate, policy papers, and route permit.

Conclusion

Various types of motor vehicle insurance play a vital role in ensuring personal and public safety on the roads. For example, private car insurance, while not obligatory, offers extensive security against various damages and liabilities, enhancing peace of mind. By understanding the nuances of the different types of motor insurance policies and choosing the right coverage, you can secure your well-being and contribute to safer road experiences for everyone. Remember to choose a policy based on your budget and usage.

Have you ever wondered how cars and other vehicles smoothly glide over bumpy roads without rattling everyone inside? Well, the secret lies in their suspension systems! In India, different types of suspension systems play a vital role in ensuring a comfortable and safe ride. But what exactly are these suspension systems, and how do they work? Let’s find out.

What are the different types of suspension systems in India?

1. Leaf Spring Suspension 

It is a simple form of suspension that uses several metal strips, called leaves, stacked on each other to absorb shocks and vibrations from the road. It gets commonly used for heavy vehicles like trucks and buses, but some cars in India also have leaf spring suspension, especially in the rear axle. 

2. Trailing Arm Suspension

It is a type of independent rear suspension system for cars that uses a large, horizontal arm to connect the wheel hub to the vehicle frame. The arm pivots at one point, ahead of the wheel, and allows the wheel to move up and down with the road surface. 

3. Non-Independent Suspension

This vehicle suspension connects both wheels on the same axle with a solid beam or bar. This means the other wheel tilts slightly when one wheel moves up or down due to a bump or pothole. It is suitable for handling heavy loads and navigating challenging roads.

4. Independent Suspension

This type of vehicle suspension entails an enhanced damping effect. There is no link between the movement of the right and left wheels, which allows the vehicle to move independently. The structure is a bit complex as the layout of dampers and springs differs considerably with distinct categories of independent suspensions.

5. Double Wishbone Suspension

It is a type of suspension where the wheels get mounted on two arms, usually of unequal length, along with a coil spring and shock absorber. It is used in sports cars and luxury cars, as well as some trucks and SUVs. It offers great handling, stability, and control at high speeds because it has a low centre of gravity and allows each wheel to react independently from the others. 

6. MacPherson Strut Suspension

It is a type of front suspension system that uses the top of a shock absorber as the upper steering pivot for the wheel. It consists of a coil spring, a shock absorber, and a control arm that connects the wheel hub to the chassis. It allows the wheel to move up and down independently of the other wheels, improving ride comfort and handling. 

7. Air Suspension

This vehicle suspension system uses airbags or bellows instead of conventional or leaf springs. It provides better ride comfort, handling, and load-carrying capacity by adjusting the air pressure in the airbags according to the road conditions and vehicle load.

8. Multi-Link Suspension

It is a type of independent suspension that uses multiple linkages to control the movement and alignment of the wheels. It offers better handling and ride comfort than non-independent suspension, as it can isolate the effects of bumps and corners on each wheel. Multi-link suspension is also more adaptable and adjustable, as it allows fine-tuning of the suspension geometry and characteristics.

How does a car suspension system work?

A car suspension system comprises springs that can retain the kinetic energy produced by friction when the vehicle moves on a rough road at high speeds. Subsequently, this stored energy gets transferred to the dampers, where it converts into heat energy. 

The fluid within the dampers efficiently disperses this energy, preventing overheating issues. As a result of the coordinated action between springs and dampers, you can experience optimal safety and comfort during your ride. Even though suspension offers enough stability control, buying car insurance is recommended to overcome any financial challenges arising from a road mishap.

With car insurance, you won’t have to worry about bearing the full financial burden if something goes wrong. It is a type of coverage that protects you and your vehicle in case of accidents, theft, or damage. It acts like a safety net for your vehicle. However, this safety net has an expiration date. We recommend that you learn about its expiration date and remain prepared to renew it. So, it’s always smart to have car insurance to safeguard your wheels and your wallet. Here, we will help you check your car insurance expiry date.

How to check car insurance validity?

There are several ways to check car insurance expiry date-

1. Policy document

The most straightforward way to find your insurance expiry date is by reviewing your policy document. This paper, provided by your insurer at the time of purchase or renewal, contains all the essential details, including the policy's start and end dates. Ensure you store this document safely, either as a physical or digital copy, for easy reference.

2. Insurance provider's website or mobile app

Most insurance companies offer online services through their official websites or mobile applications. To check your policy details:

• Visit the official website or open the mobile app of your insurance provider.
• Log in using your registered credentials.
• Go to the section that contains the policy details.

3. Contacting customer support

If you prefer direct assistance, you can contact your insurance company's customer support:

• Call the customer service helpline: Provide your policy number or vehicle registration number to the representative, who can then inform you of your policy's expiry date.
• Visit the nearest branch: Bring your policy document or vehicle details to the branch, where staff can assist you with your query.

What is the validity of a car insurance policy?

The validity of a car insurance policy refers to the period during which it remains active and provides coverage for the insured vehicle. It depends on the type of policy chosen by the vehicle owner.

1. Annual car insurance policy: Whether third-party or comprehensive car insurance for old four-wheelers, this type of policy has a standard validity period of one year.
2. Long-term car insurance policy: An insurance valid for 5 years is mandatory for newly purchased cars.
3. Temporary car insurance policy: It is short-term car insurance valid for a few months. This policy caters to special cases where coverage is required for a limited time, such as for rental or leased cars.

How to check the insurance expiry of your car?

There are several ways in which you can check the expiry date of your car insurance-

Check car insurance online on the Parivahan Sewa website

The Ministry of Road Transport and Highways maintains the Parivahan Sewa website, which stores data on all registered vehicles in India. To check your car insurance status:

1. Visit the Parivahan Sewa website: Navigate to the official Parivahan Sewa portal.
2. Access vehicle details: Click on the 'Information Services' tab and select 'Know Your Vehicle Details.'
3. Enter registration number: Input your vehicle's registration number and the verification code displayed.
4. View insurance details: The portal will display your vehicle's details, including the insurance validity and expiry date.

This method provides a quick and reliable way to verify your car insurance status online

 On the Parivahan app

The mParivahan app, developed by the Ministry of Road Transport and Highways, offers a user-friendly platform to access vehicle-related information:

1. Download and install the mParivahan app. It is available on both Android and iOS platforms.
2. Open the app, select your preferred language and proceed by clicking "Continue."
3. Log in with your mobile number.
4. Enter your vehicle registration number and the app will display your vehicle's details, including insurance validity.

On the IIB portal

If you are wondering how to check your car insurance expiry date online, one method is to use the Information Bureau for Insurance. It entails visiting the bureau’s website and entering the necessary information about your vehicle.

1. Once you submit the details, you can view the policy information, including the expiry date of your insurance.
2.  If there is no active policy, you can also access any previous relevant policy details. If you cannot find the necessary information, try searching using your vehicle’s engine or chassis number.
3. Checking through the Information Bureau for Insurance provides a convenient way to stay updated on the status of your comprehensive car insurance.

Check car insurance online status on VAHAN

You can follow these steps if you need to learn how to check car insurance renewal dates using VAHAN E-service. These steps include:

• Visit the website for VAHAN e-services.
• Look for the option “Know Your Vehicle” and click on it.
• Enter the verification code and your car registration number as prompted.
• Select “Search Vehicle” to proceed.
• It will display the insurance expiration date and other relevant information about your car.

Conclusion

You must check the expiry date of your car insurance regularly to avoid any lapses in coverage. You can utilise different methods such as the Information Bureau for Insurance, VAHAN E-Service or scanning the QR code on your policy to check the expiry date conveniently. Remember to set reminders or alarms to stay informed about the expiration of your policy. Insurance companies often provide a grace period of 30 days, but delaying the renewal for more than 90 days may result in the loss of a No Claim Bonus (NCB). You may even have to purchase a new insurance policy.

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

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

What is a Zero Depreciation Add-On Cover?

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

What is a Return to Invoice Add-On Cover?

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

Return to Invoice vs Zero Depreciation Cover: Differences

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

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

  It is particularly beneficial for the following cases-

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

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

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

It is suitable for the following cases:

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

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

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

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

Types of Cars in India

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

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

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

Hatchback

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

Sedan

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

Compact Sedan

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

Coupe

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

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

What is the fine for drunk driving in India?

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

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

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

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

Process to pay the fines

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

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

Impact on motor insurance in case of drink and drive fine

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

1. Rejection of claims:

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

2. Premium hikes and policy cancellation:

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

3. Legal and financial liabilities:

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

Conclusion

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

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