Regular car maintenance is essential to keep it in top condition. While you need to replace some parts from time to time, regular checks can help extend the life of your car and cut down visits to repair shops. In the process, they also help you save money and ensure you drive optimum performance from your vehicle.

Also, checking the fitness of a car isn’t as time-consuming as you think. Regular fitness checks encompass a range of things, and this article covers all of them. What are these? Let’s find out.

Level of Engine Oil

Engine oil has a vital role to play in your car’s performance. It is essential for the smooth running of the engine, curbs fuel emissions, and enhances the engine's overall performance. The engine oil also helps cool the engine circuit and protects it from corrosion. The additives in engine oil slow the process of corrosion, thereby enhancing the engine's lifespan.

Hence, you must always ensure that the engine oil is maintained at optimum levels. Use a dipstick or an electronic gauge to check the level of oil. Make sure to get the level right before driving. Also, check its texture. It should be translucent and smooth. If you find it too dark, you should change it immediately.

Inspection of Tires

There’s nothing more irritating than finding your tires deflated before driving. Also, tire blowouts while driving can be dangerous and put your life at risk. Hence, you must always inspect them to check for leaks and punctures. Equally vital is to ensure that tires have optimum pressure. Proper tire pressure prevents accelerated wear and tear, which could lead to premature tire replacement.

On the other hand, excessive heat is generated if you drive with under-inflated tires, which could push tires to the point of failure. Hence, always inspect the tires at least once a week or fortnight. Equally essential is to make sure the spare tire is in good condition. Regularly check it for optimum pressure and get leaks and punctures fixed.

Check Other Fluids

Along with engine oil, other fluids in your car play a vital role in its performance. Your car’s performance can suffer drastically if any of these fluids leak. These include:

• Coolant
• Power Steering Fluid
• Brake Fluid
• Transmission Fluid

Therefore, you must closely watch on them and ensure they don’t leak. Each of these fluids has a distinct color through which you can identify them in case of leakage. If you spot a leakage, take your car to the mechanic without delay. Also, just like engine oil, make sure the levels of these fluids are maintained at optimum levels.

Inspect Your Car’s Battery

The battery is the heart of your car. For ultimate car performance, the battery must be in top shape. Hence, you must regularly inspect it to ensure it’s in proper condition. If you find these signs, they are a warning signal of a failing battery:

• Dim headlights: If your headlights are dim or weaker than usual, it’s time to sit up and take a note. It means that the battery is not able to power the electrical components.
• Slow crank: If your engine cranks at a slower pace than usual, it’s a warning sign. It suggests that the battery might be nearing its end.
• Backfiring: It is one warning sign that you can’t afford to miss. A failing battery will cause sparks, leading to fuel accumulating in cylinders. When you ignite this fuel, your car backfires.

If temperatures get too high in your area of residence, car batteries don’t last long. Hence, you must take special care of your car’s battery and examine it for corrosion signs. If your car doesn’t start as effortlessly as it used to, clean the battery's contact points.

Just as not all cars cost the same, all car insurance premiums also do not cost the same. Of the many factors that influence a car’s premium, one is the fuel type or variant of the car. Whether your car is a petrol or diesel variant affects the cost of car insurance premiums. Wondering why? The reason is simple. The car fuel type impacts many other factors that have a direct influence on the insurance cost. Some of those factors are:

1) Cost of the vehicle

The cost of the vehicle is important in determining insurance premiums. A diesel car is often priced higher as compared to its petrol counterpart. Since the price of a car is directly related to the cost of its insurance, the higher the price of a car the higher will be the insurance charge. You will find this when you compare the online car insurance cost for diesel and petrol cars.

2) Cost of repair

Cost of repair can have an impact on the insurance premium charged. Typically, a car with a diesel engine involves a higher cost of maintenance over the years. So, insurance companies tend to charge a higher premium for cars with a diesel engines when compared to their petrol counterpart. The same is also true for high-end cars and cars with expensive spare parts.

3) Insurance Declared Value or IDV

It is the estimated market value of a vehicle and has a direct impact on the cost of insurance premiums. Since the cost of a vehicle with a diesel model is higher, its IDV will also be higher, thereby affecting the cost of insurance. The decrease in the IDV of a diesel car would be slower so the renewals would still be more expensive than that for petrol variants.

4) Engine capacity

The engine capacity of the vehicles can also influence the cost of insurance premiums for the cars.  Since the engine capacity of diesel-driven cars is it raises the parameters on which the cost of insurance is valued. On the other hand, petrol-driven cars have a comparatively lower level of engine capacity.

5) Fuel efficiency

One of the most important factors that must be considered while buying a car is its fuel efficiency. Petrol cars are best when it comes to achieving initial power but diesel cars run best in higher gears. In the long run, diesel cars seem to be more fuel-efficient than petrol cars.

Owning a car is not enough. You must protect it with the right insurance policy to be able to take it out onto the roads. In fact, it is mandatory to have third-party insurance to drive your car on Indian roads. While third-party insurance protects you from third-party liabilities in case of an accident, it does not cover your damages or medical costs. For that, you must choose a different type of policy. Yes, there are different types of car insurance and you must get the one that meets your needs and budget. Understanding car insurance and its benefits would help you in selecting a policy that offers you ideal financial protection without being heavy on your pocket. Here’s what you must know about the various kinds of car insurance:

• A third-party liability policy

Indian law mandates every car owner to have a third-party liability policy. To ensure everybody can afford it, its premium is fixed by the IRDAI or Insurance Regulatory and Development Authority of India. The policy offers basic coverage and is limited to covering losses related to the third party only. The insurers do not have any control over the premium. Simplifying the insurance terminology:

• First party – policyholder or buyer of the policy
• Second party - insurance company or the insurer
• Third-party - an individual who demands compensation against damage to himself or his property, caused by the first party

Also known as a liability-only policy, it compensates for the following:

• Damage to vehicle or property of the third party

Any damage to the vehicle or property of a third party caused due to an accident involving the insured car is compensated by the insurer up to a specific amount.

• Injury to the third party

If an individual is injured in an accident caused by your car, he would get compensated. The policy would cover the financial expenses for their hospitalization and treatment. The amount paid would depend on the Motor Accident Claims Tribunal’s decision.

• Death of a third-party individual due to an accident

In the unfortunate event of the death of a third party due to an accident caused by your car, a lump sum financial amount would be paid by the insurer to the family of the deceased.

• Legal liabilities Your insurer will also take care of all the legal liabilities faced by you, the policyholder, in case of an accident. 

The policy works fine as long as your car is not damaged since the policy does not cover that. The entire repair or replacement cost for your car has to be borne by you. If you have an old car that you are planning to sell off, the basic third-party policy would be sufficient. However, you need to reconsider your decision if you have a high-end or brand-new car. In these cases, you may want to check car insurance of different types such as an own damage policy or a comprehensive policy.

• Own damage (OD) policy

It covers damages to your car due to accidental or non-accidental causes. Some of the damages covered by it include:

• Damage due to accidents

After an accident, take the help of your insurer to tow your car to the nearest network garage and get it fixed. Under a cashless claim, the insurer will directly pay the workshop for the repair work.

• Natural calamities

Under OD policy, the car would be financially covered against natural disasters such as floods, landslides, rockslides, and severe weather conditions such as storms, cyclones, and earthquakes.

• Manmade hazards

Damage caused due to manmade incidents such as riots, strikes, civil disturbances, torching the car, and vandalism is covered under the OD policy.

Times have changed. With the advent of new technologies in the automobile sector, more and more car manufacturers are investing in designing and manufacturing hybrid and electric vehicles. The hybrid or electric car not only reduces the burden of extensively utilizing fossil fuels for mobility but also offers an environment-friendly alternative to petrol and diesel cars. While both hybrid and electric cars are sustainable energy-driven cars, they still have some differences in terms of technology and efficiency. Today, we will focus on electric cars vs. hybrid cars.

What are hybrid cars?

As the name implies, hybrid cars have two engines—petrol as well as diesel. These vehicles are also known as hybrid electric vehicles as they use both, an internal combustion engine (ICE) and at least one electric motor to generate power. This cycle not only saves you money on fuel but also improves the efficiency of your engine. You cannot charge a hybrid car's battery by plugging it into a power source. Instead, you can charge it using the ICE and regenerative braking. A hybrid car's battery can also help in powering the auxiliary load and reducing engine idling. 

Benefits of hybrid cars:

• Cleaner emission:

Compared to the emission levels of ICE vehicles, hybrid cars are less polluting. This is because hybrid cars use both internal combustion engines and electric motors to turn the wheels.

• Fuel efficient:

Since hybrid cars include both internal combustion engines and electric motors, they utilize significantly less fuel than cars that simply have internal combustion engines. The additional power available with them makes them an environmentally-friendly cars. 

• Regenerative braking:

In hybrid cars, you don't need to put your car on halt for battery pack charge. Since the car's electric motor generates electricity whenever you apply the brakes, the battery gets recharged automatically.

Disadvantages of hybrid cars:

• Lower performance:

Since the primary objective of a hybrid car manufacturer is to improve its fuel efficiency, its power and acceleration are much lower than those of standard internal combustion engine vehicles.

• Expensive purchase:

Compared to internal combustion engine cars, hybrid cars are more expensive due to the presence of dual engines and related features. 

• High maintenance cost:

Due to the advanced technology used and the presence of dual engines, the maintenance costs of hybrid cars can dig a hole in your pocket. Also, to get your hybrid car repaired, you need the assistance of a certified mechanic as not all mechanics are trained in or are knowledgeable about hybrid vehicle maintenance. Therefore, it is advised that when you purchase a hybrid car, make sure to secure it with hybrid car insurance.

What are electric cars?

Electric automobiles, often known as electric vehicles or EVs, run on an electric motor instead of an internal combustion engine. This makes them pollution-free clean cars. EVs are often devoid of a fuel line, a fuel pump, and a tank. They need plugging into a charging port to draw power from the grid. The electricity in the EV is stored in the rechargeable battery. Interestingly, EVs accelerate faster and are lighter to drive than ICE cars. If you are planning to buy an EV, don't forget to secure it with electric car insurance.

Benefits of electric cars:

• High efficiency:

EVs have far more energy than fuel-powered vehicles. EVs are energy efficient since they convert 62% of their electric energy into the vehicle's power source. However, in ICE cars, the efficiency rate drops to just 21%.

• Zero emissions:

One of the most significant advantages of driving an electric vehicle is that you are helping to protect the environment. With zero tailpipe emissions, EVs are less polluting than ICE cars.

• High performance:

One of the most appealing aspects of driving an electric vehicle is that it produces maximum torque as soon as you press the accelerator pedal. When compared to traditional ICE cars, EVs are also easier to maintain due to fewer moving components.

Bringing in your first car at home is always special and so is taking it out on the roads to explore the world—think of all the adventure and memorable drives awaiting you. But before you embark on a drive, always make sure to carry your driving licence and car insurance documents along. Surely, you would not like to get caught by the traffic police and be penalised for driving without the required papers on the very first day of driving your new car. Also, make sure to follow all traffic rules and regulations to ensure your safety and that of others. For first-time car buyers, here are some tips for driving a car safely:

1. Slow Acceleration

Do you feel like pressing the accelerator and speeding along before others as soon as the traffic signal becomes green? This is common among most first-time drivers but you must control your impulses. Always increase the speed slowly as it is good for the engine as well. Bring the car to roll along slowly from a complete stop and then push the accelerator down in steps. Try to feel the position of the wheels to avoid potholes, a common feature on Indian roads.

2. Steer Steadily

Keep your hands firmly on the steering wheel to keep it steady. This is important for moving in a straight line on the road or during taking turns or changing lanes. Try to stay in the lane meant for your type of car and maintain adequate distance from other vehicles while taking turns or during changing lanes. In case you see a turn or exit coming up, move to the correct lane—left or right—a little early. You may cause problems to the other drivers if you suddenly bring your car in front of their car while taking a turn. The far-left lane is usually for exits and the centre lane for travelling long distances at a constant speed.

3. Control the Brakes

Do not push the brake all of a sudden. It can result in your car getting hit by another car or two-wheeler from behind. You may also hit a vehicle or a pedestrian if you are not able to control the brakes and bring the car to a stop abruptly. It is possible to injure yourself or your fellow passengers as sudden brakes can knock people out of the seats. Strap on the seat belts to keep the impact at a minimum. If you see the signals turning yellow, start applying pressure on the brakes to bring the car to a halt at the proper time. Despite that, if there is an unfortunate incident, inform your insurer immediately. You may call up the emergency number given on your car insurance policy to get help.

4. Do Not Over Speed

Adhere to the speed limits even if you are extremely confident about your driving skills. Rash driving, which is common on Indian roads, is the reason behind most of the accidents. It is for your safety as well as that of others on the road that you must drive at a medium speed or as specified by the traffic department. The traffic department takes into account several aspects such as road type, frequency of accidents, traffic volume, and visibility while fixing the speed limits for different types of roads such as highways, flyovers, and crossroads.

Updated on 10-04-2025

A car’s registration number is the key to information regarding the car’s present owner—for authorities as well as for the common man. Surprised? Don’t be. If you want to track down a car owner who may have either bumped your car and fled the scene or may have caused you trouble by blocking your car in a parking lot, then you can do it in a few easy steps. Today, we will look at how to find the owner of the vehicle by license plate number.

How to Check Vehicle Owner Details by Number Plate Online?

There are multiple ways to check vehicle owner details online. The most commonly used methods include:

1. Through the VAHAN Portal: The VAHAN database is a centralised repository of all registered vehicles in India, managed by the Ministry of Road Transport and Highways.
2. Via SMS Service: The government provides a simple SMS-based service to fetch vehicle registration details without an internet connection.
3. Parivahan Sewa Portal: Another platform that offers vehicle registration details, including ownership and insurance validity.

Check the Owner's Details by Number Plate Through the VAHAN Portal

VAHAN portal furnishes the vehicle registration details following the MV Act of 1988. The portal complies with the regulations of different states and UTs.

You can find the owner of the vehicle by license plate number by using the PARIVAHAN portal. To do that, don't stress much and simply follow the steps given below.

• Step 1:

Go to the PARIVAHAN official website: https://parivahan.gov.in

• Step 2:

Click on “Information Services” and go to “Know my Vehicle”. You will be led to the VAHAN portal.

• Step 3:

Enter the car's registration number you intend to check.

• Step 4:

Input the verification code, or say, a CAPTCHA, given on the page. 

• Step 5:

Tap on "Check Status".

• Step 6:

Your screen will display all the relevant details related to the car.

What Vehicle Owner Details Can I Get Through the VAHAN Portal?

Using the VAHAN portal, you can trace down the following details.

• Car owner’s name
• Car's registration date
• Vehicle class and fuel type (diesel or petrol)
• Car's chassis and engine number (not detailed in full)
• Vehicle's make and model, along with the manufacturer's detail
• Car's fitness duration
• PUC and insurance details
• Car's RC status and details of the financier 
• Car's emission standard

How To Check Vehicle Registration Details With SMS?

If you don't want to go through the aforesaid steps online, simply take out your phone and send a single SMS to obtain the car owner's information. To learn more about the SMS method, follow the steps outlined below.

• Step 1:

Enter your car's registration number by writing VAHAN before that number. (Example: VAHAN UP65CF××××)

• Step 2:

After drafting the above text, send the SMS on 7738299899.

• Step 3:

After texting on the above number, you will receive the car's details such as owner name, make and model, RTO details, car insurance details, and RC expiry details, among a few others.

What is RC (Registration Certificate)?

The Registration Certificate (RC) is an official document issued by the RTO, proving that a vehicle is registered with the Indian government and legally allowed to be driven on roads. Every vehicle owner must have an RC, either in a physical format (RC Book) or an electronic format (e-RC).

Without a valid RC, a vehicle cannot be legally driven, sold, or transferred. The RC serves as proof of ownership and is required during legal or insurance-related proceedings.

What Information Does a Registration Certificate (RC) Contain?

A vehicle’s RC contains essential details such as:

• Registration Number
• Owner’s Name & Address
• Vehicle Make & Model
• Chassis Number
• Engine Number
• Date of Registration
• Validity Period
• Fuel Type
• Seating Capacity
• Insurance Details
• Emission Norms Compliance (BS-IV, BS-VI, etc.)

These details are critical when buying or selling a vehicle, transferring ownership, or claiming car insurance.

Why Do We Need to Check RC Details Online?

Here is a list of some of the common situations in which finding the owner of a vehicle is critical.

• Accident:

When an accident causes bodily injury or substantial damage to your vehicle, knowing the details of the car's owner becomes critical. Following the accident, immediately use one of the above methods to find the vehicle owner by number plate. This will not only assist you in filing an FIR but also in filing an insurance claim.

• Hit and run case: 

When a hit and run case occurs, stopping a culprit driver is one of the toughest tasks. The only thing you can do in this situation is note down the car's number from the number plate. Once you have the number, you can easily trace the owner using one of the aforementioned methods.

• Buying a Used Vehicle:

When you are purchasing a second-hand car, it is critical to know the information of the previous owner. Given the rise in car theft instances, buying a second-hand car without verifying the car owner's information, RC papers, insurance papers, PUC, and other documents might result in serious consequences. As a result, understanding how to find a vehicle's owner by number is critical because it provides all vehicle-related information.

• No Objection Certificate:

With the availability of the VAHAN and PARIVAHAN portals, Regional Transport Office (RTO) can easily track the details of your vehicle using any of the above portals. Therefore, furnishing a NOC is not necessary in certain cases.

FAQs

Q1. Is it legal to check someone else’s vehicle details online?

A: Yes, it is legal to check basic vehicle details online, but sensitive information such as the owner's contact details or address is restricted to protect privacy.

Q2. Can I check the vehicle owner’s address through VAHAN?

A: No, the VAHAN portal does not display the vehicle owner’s address due to privacy regulations.

Q3. How can I verify a used car’s authenticity before buying?

 A: You can use the VAHAN portal to check registration details, insurance validity, and pollution certification.

Q4. What should I do if my vehicle details are incorrect in the VAHAN portal?

A: Visit your nearest RTO with supporting documents to correct any discrepancies.

Q5. Can I download a digital copy of my RC online?

A: Yes, you can download an e-RC from the DigiLocker app or the mParivahan app.

Q6. How to get my car’s registration certificate details?

A: Visit the VAHAN portal and go to “Know your vehicle.” Follow the steps as directed, and you will find the details of your car RC.

Conclusion

With lakhs of cars on Indian roads, finding a vehicle in an unfortunate event might be challenging. However, the above-mentioned online platforms can make it simple to find a car owner by registration number. These services help in legal verification, second-hand vehicle purchases, accident investigations, and compliance with transport regulations. Always ensure that the vehicle’s RC details and car insurance are valid and up-to-date to avoid legal complications and drive safely on the roads.

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.

Factually, transferring car ownership is a lengthy process. It involves the new owner of the car, the previous owner, and a pile load of necessary documents that need attestation and verification. However, some digital platforms have introduced ways to do it with ease. Before we look into the transfer process in detail, let us understand what it means and when it shouldn’t be done.

• Normal sale and purchase of a used car, wherein the old owner’s name and details on the vehicle’s registration certificate (RC) must be replaced by the new owner’s details.
• Transfer in the case of the existing owner’s demise, whereby the legal heir to the car must inform the RTO about the demise within the next 30 days. However, the utilization of such a car by the heir is allowed for the next 3 months following the owner's demise.
• Vehicle purchase during a public auction; herein, the original owner’s name is replaced by that of the new owner to whom the vehicle has been auctioned.

The process involved in the transfer of car ownership online and/or offline can subtly vary. You may also initiate the process by submitting the necessary application forms on the central government’s dedicated website—‘Parivahan.’

Car ownership transfer within the same state

To change ownership of a car under normal sale/purchase, just follow these steps:

• Fill up Form 29 with the necessary details online and take a print.
• Once the details are verified, hand out the form to the local RTO at the seller’s and purchaser’s location of residence. Herein, the purchaser needs to submit Form 30 within 14 days of transfer along with documents related to Form 1 and 2.

Inter-state change of ownership

Transferring ownership between different states involves additional steps:

• In the case of inter-state transfer, the purchaser needs to fill up Form 30 within 45 days of such transfer and submit necessary documents.
• The buyer must also pay the necessary charges levied on such transfer under Rule 81 of the General Motor Vehicles (GMV) Rules 1989 to complete inter-state transfers.

The necessary documents involved include the vehicle’s RC, insurance certificate to car insurance certificate, PUC certificate, engine and chassis pencil print, the registering authority’s NOC, tax clearance certificate and the purchaser’s undertaking, along with identity and address proofs of both parties involved in transferring car ownership.

Car ownership transfer in the case of existing owner's demise

Here’s how one can transfer car ownership to the heir in the case of the demise of the car owner:

• Provide the duly filled up Form 30 to the RTO within the next 3 months.
• Submit necessary documents such as the owner’s death certificate, a document proving the heir’s relationship with the owner, and Form 20, along with other standard documents.
• Pay the necessary fees levied under the GMV Rules 1989.

Car ownership transfer in the case of public auction

To transfer car ownership online in the case of a public auction, follow the steps given below:

• Submit a filled up Form 32 if such auction is sponsored by a state or the central government, within 30 days of purchase.
• Hand over necessary documents to the local RTO. The paperwork involved is more or less similar to in the first case. In addition, you will also have to present proof of the auction conducted by the government.
• Pay the necessary fees levied under Rue 81 of the GMV Rules 1989.

After applying for a car ownership transfer, you can check the status of your request online on the Parivahan website. You would only need your vehicle’s registration number to stay updated on transferring car ownership.

Documents required for change of ownership

The following documents are generally required for transferring car ownership:

• Registration Certificate (RC): The current RC of the vehicle.
• Forms 29 and 30: Notices and applications for transfer of ownership.
• Insurance Certificate: Valid car insurance policy document.
• Pollution Under Control (PUC) Certificate: Valid emission test certificate.
• Address Proof: Valid identification and address proof of both buyer and seller (e.g., Aadhaar card, passport).
• PAN Card: PAN details of both parties; Form 60 if PAN is unavailable.
• No Objection Certificate (NOC): Required for inter-state transfers or if the vehicle was under a loan.
• Death Certificate and Succession Proof: In case of the owner's demise.
• Sale Certificate: For vehicles bought in public auctions.

Ensuring that the car insurance policy is transferred to the new owner is vital. A valid insurance policy is mandatory for the transfer process and driving without appropriate coverage can lead to legal complications. If the existing policy is not transferred, the new owner should procure a new third party car insurance policy to comply with legal requirements.

Conclusion

Transferring car ownership in India involves a series of well-defined steps and the submission of specific documents. Whether the transfer is within the same state, across states, due to the owner's demise or through a public auction, adhering to the outlined procedures ensures a seamless transition. Always ensure that the car insurance is updated to reflect the new ownership, maintaining compliance with legal mandates and safeguarding against potential liabilities.

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. 

Often commuting by cab or your car makes the journey smooth. You may enjoy the thrill of being behind the wheel or prefer relaxing in the rear seat humming your favourite tune. Either way, do you wear a seatbelt whenever you are on the go?

Why wearing a seatbelt is important?

In a report, this year, WHO said wearing belts in the rear seat can reduce the risk of being killed and injured by 25% and 75% respectively. Closer home, surveys done by Maruti Suzuki India in 2017 revealed poor compliance with seatbelt laws as hardly 4% of respondents used seatbelts.Compared to 2020, deaths by road accidents increased by almost 17% in 2021. Do you know what was one of the major causes of death? Yes, not wearing a seatbelt.

How do seatbelts help in enhancing safety?

Seatbelts hold the occupants of the car in place and prevent them from being catapulted forward during an accident. While the seatbelt ensures that the individual stays in his/her place, the airbag’s job is to protect the head and chest from impact. During a collision, seatbelts provide the primary restraint, whereas slamming into an airbag in case of an accident reduces the impact. While all cars in India have seatbelts at the front and rear, they may not have rear airbags. For safe driving, you must get them as part of the accessories. 

Let’s look at what the Indian law says about seatbelts

We all know that wearing a seatbelt is mandatory while sitting in a front seat. But did you know it's compulsory for rear seats too? In India, most cars have rear seats that face the front. As per Indian law, car manufacturers must provide seatbelts for all such seats too and passengers must buckle them up. Breaking this rule can attract a fine of Rs 1,000 for the passengers. However, the execution of the rule remains a concern.

A 2019 report by SaveLIFE Foundation stated that not even 1% of Indians use rear seatbelts. What’s worse is that 23.9% of those surveyed did not even know about rear seatbelts. The study also revealed that 77% of the kids who travelled in the rear seat did not wear seatbelts.

In February, the Ministry of Road Transport and Highways proposed that all front-facing seats must have a Y-shaped seat belt. The proposal included the rear-middle seat as well. 

Debunking a few myths around seatbelt safety 

Myth: In case of fire or drowning situations, seatbelts trap you inside the car  
Fact: Two things to know here are—one, the chances of collision are way higher than a car catching fire or getting submerged in water. Two, there are very less chances of malfunctioning of the seatbelt release mechanism. The benefits outweigh the risks.  
 
Myth: If your car has airbags, you may skip wearing seatbelts 
Fact: As explained earlier, the two have very distinct roles and save you when used together. One without the other may prove useless.  
 
Myth: Seatbelts are needed only on highways 
Fact: Accidents can happen anywhere regardless of how short the distance or how slow you are driving. Always wear seatbelts.  

General seatbelt guidelines to follow 

Gone are those days when you had to pay a fixed yearly premium for your motor insurance policy. You can now buy a policy that charges you a premium based on your vehicle usage or driving behavior.

The Insurance Regulatory & Development Authority of India (IRDAI) has permitted general insurance companies in India to launch telematics-based motor insurance covers such as Pay as you drive and Pay how you drive, allowing vehicle owners to decide how much to pay on their insurance.

By utilizing technology's ability to transmit accurate data on vehicle location and driving behavior, IRDAI's new rule is a welcomed move as it creates a win-win situation for both insured and insurers in India.

What is Pay as you drive & Pay how you drive add-on covers?

Unlike any other car insurance policy in the market, these new policies are built to give you more control of your motor insurance costs. It allows you to prove you are a safe driver, and as a result, you can be rewarded with lower insurance prices on renewal. The lesser/ better one drives, the lower premium they will have to pay.

These insurance add-ons also enable insurance companies to offer reduced average pricing, appeal to low-risk individuals, reduce claims management costs, and improve the overall customer experience.

How do these add-ons work?

This type of add-on works differently if you opt for a pay-as-you-drive or the driving behavior-based cover.

Pay as you drive

Pay-as-you-drive cover operates on the simple rule that you should pay less insurance price if you drive less. Since you are not out on the road often, you have a low accident risk, and your insurance bill should reflect the same.

This type of insurance allows you to insure your car based on the kilometers you drive in a year. Depending on your driving needs, you can opt for a mileage plan between 3000 to 10,000 km/year. If you exceed the kilometers of your plan, you also have the option to top up your insurance coverage with more km for that particular policy year.

According to a survey conducted by Feedback Consulting, 75% of Indian commuters travel less than 1,000 km a month (or roughly less than 35 km a day), and most people simply travel from home to office. The Pay-as-you-drive add-on guarantees policyholders do not have to pay a huge premium as per the make and model of the car but rather how much they use their vehicle

Pay how you drive

The premium for Pay how you drive cover is calculated based on how you drive your car while on the road. The better and safer you drive, the lesser you pay.

The telematics device uses GPS technology to calculate your driving scores, vehicle health and other metrics to collect facts about your driving. This information collected is then used to calculate a driver score that is unique to you.

If it's good, you could reduce your insurance premium at the time of renewal and get a thumbs up for safe driving. While there are no penalties yet for low driving scores, the premium discounts these drivers can avail of are also very low. Drivers can also use these scores to improve their driving and build better habits.

Who should consider buying Pay how you drive cover?

Many drivers may benefit from a behaviour-based telematics car insurance cover if they drive safely and avoid accidents. This cover especially makes sense for demographic groups that are charged above-average premiums, such as:

Who should consider buying Pay as you drive cover?

The pay-as-you-drive cover is a good fit for:

How much can I save with Pay as you drive insurance?

Since standard car insurance premiums depend on geography, make-model, and age of the vehicle and are not based on their usage, most car owners who opted for Pay as you drive policy saved on their premiums.

Our experience with the Pay as you drive policy under the Sandbox regulation in 2020 also helped us learn that 56% of customers chose to Pay as you drive over conventional insurance due to its cost-effectiveness and usage-based premiums. In comparison, 22% bought this policy due to its telematics benefits.

In Conclusion

While PAYD & PHYD can help many save on their premiums, sometimes, you may not see a discount even if you are a good driver. If you commute to distant locations for work every day and drive above the average speed often, you're more suited for a standard insurance plan. 

These add-ons are suitable for customers with multiple or expensive cars looking for a motor policy that gives them more control over how much they spend on insurance every year. 

Mostly, people who are driving for the very first time generally get into the dilemma of choosing a particular petrol type when they arrive at a gas station. They get confused about whether to choose normal or premium petrol. Comparing the prices of both types, anyone could figure out that premium petrol is a higher grade of petrol, but no one realises what extra factors give each petrol type its own character and associated results. Premium petrol has its own properties and varies in cost according to brands and specifications. Certain vehicle engines require high-grade petrol. The vehicle owners should be careful in such cases, because nowadays there are lot of scams happening at gas stations where they cheat the customers by filling up normal petrol while saying that it is premium type. For engines designed to run on premium petrol, this could eventually cause severe malfunction. To cover the repairing expenses arising out of such instances, vehicle owners are recommended to keep their vehicle insurance handy. Buy the best two wheeler or car insurance to protect your vehicle from such liabilities.

What is premium petrol?

Petrol contains a chemical component called octane. Premium type petrol has a higher rate of octane component in it. The measure of octane contained inside the fuel decides how well it will function in higher-pressure motors – high-octane fuel works more successfully than lower-rated fuels. Premium fuel is more expensive than standard due to its higher rate of octane. The benefits of this increased octane rating include lower fuel consumption as well as better engine protection and performance.

Key features of premium petrol

• Higher Octane Rating: Provides good resistance to engine knocking, ensuring smoother performance in high-compression engines.
• Additives and Detergents: Contains additional compounds that help reduce carbon deposits and maintain engine cleanliness.
• Enhanced Performance: Suitable for vehicles designed for high-octane fuel, potentially offering improved acceleration and efficiency.

What is normal petrol?

Regular petrol is rated at 87 octane in most places. Fuel with a higher octane rating can stand up to higher compression before it detonates. Engines with high compression ratios or turbochargers often require high octane fuel found in premium gas for optimal performance and fuel efficiency. However, the majority of cars on the road today are optimized to run on normal petrol.

Key features of normal petrol

• Standard Octane Rating: Sufficient for vehicles with regular engine designs, ensuring proper combustion without knocking.
• Cost-Effective: Priced lower than premium petrol, making it economical for daily commuting and general use.
• Widely Available: Easily accessible across fuel stations, catering to the majority of vehicles on the road.

Difference between premium petrol and normal petrol

Following are the key differences between normal and premium petrol:

Different types of petrol in India

In India, petrol variants are categorised based on their octane ratings and additive content:

1. Normal Petrol (91 Octane): Standard fuel suitable for most vehicles.
2. Power Petrol (91 Octane + Additives): Regular octane fuel enhanced with additives for better engine performance.
3. Premium Petrol (91 Octane): Higher octane fuel designed for specific engine requirements.
4. Extra Premium Petrol (95 Octane): Higher octane fuel suitable for high-performance vehicles.
5. Extra Premium Petrol (97 Octane): Even higher octane fuel, often recommended for luxury or high-performance cars.

Premium petrol vs normal petrol: Which is the right choice for your car?

The decision between premium and normal petrol hinges on your vehicle's engine specifications and manufacturer recommendations:

• Manufacturer's Recommendation: The best performance will be judged by utilizing the fuel suggested by the maker of the engine. The maker's designers put extraordinary exertion into getting the best all-around execution from the motor and whole vehicle with the recommended fuel.
• Engine Type: The advantage obtained by premium fuel, which is harder to ignite through the heat of compression, is that an engine can be forced to run at a higher compression and, thus, develop more power. It does nothing for an engine designed for a lower-octane fuel, and if the higher-octane rating is achieved by additives that have less energy than the gasoline, performance in a low-octane engine will be reduced. If your engine is designed for high octane fuel, then premium fuel is recommended. If it is not, then standard fuel is recommended.
• Cost Considerations: If your vehicle does not require high-octane fuel, using normal petrol can be more economical without compromising performance.

In either case, it is always recommended to purchase a two-wheeler insurance so that you may stay safe irrespective of whatever type of fuel your vehicle consumes.

FAQs

1. Can using premium petrol improve my car's mileage?

If your car is designed for regular petrol, switching to premium petrol is unlikely to yield significant improvements in fuel efficiency.

2. Will using normal petrol damage a high-performance engine?

Using normal petrol in an engine designed for premium fuel can lead to knocking and potential long-term damage. It's essential to adhere to the manufacturer's fuel recommendations.

3. Is premium petrol cleaner than normal petrol?

Premium petrol often contains additional detergents that help keep the engine clean. However, fuel cleanliness also depends on the supplier and regional fuel standards.

4. How do I know which petrol is right for my car?

Take advice from your car's owner manual or contact the manufacturer to understand the recommended octane rating for your car's fuel.

5. Does premium petrol affect car insurance premiums?

The type of petrol used does not influence car insurance premiums. Factors like vehicle model, usage, and coverage type determine insurance costs.

Conclusion

Choosing between premium and normal petrol depends largely on your vehicle's design and the manufacturer's recommendations. While premium petrol benefits high-performance engines, most standard vehicles operate efficiently on normal gasoline. When choosing, refer to your owner's manual and consider factors like engine compression and fuel costs. Additionally, comprehensive car insurance protects your vehicle against unforeseen events, complementing the care you provide through appropriate fuel selection.

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

Updated on 10-04-2025

One fine morning Mr. Bose called his close friend, Devyani and tells her that his car has gone for maintenance service, but he has some important errands line up for the day. Devyani happily obliged him when he asked to lend her car for the day. Hours later, he called her again to inform that he has met with an accident.

You can find yourself in Devyani’s shoes at some point in your life. You might be wondering if your car insurance coverage is still applicable when your friend crashes your car. At such a juncture, several questions can make you anxious.

• Can I claim the insurance on my damaged car?
• Is my friend covered under the insurance plan?
• Who will pay for the compensation amount against the damages?

Coverage for Accidents Caused by a Friend

You might be scratching your head on the above question. The good news is that most other drivers are covered under car insurance. ‘Permissive Drive’ rules are applicable in such instances. The driver should be driving your car with your consent, along with a valid driving license.

According to the Indian motor tariff, anyone can drive a car under the permitted laws. Hence, don’t worry before lending your car to your friends or family members. You can make a claim with your motor insurance company even when your friend crashes the car.

How Will the Damage Be Covered?

If your friend borrows your car and he/she meets with an accident damaging it, normally, your insurer will pay the compensation amount under ‘collision coverage’, and you will have to pay the deductible. If your friend is also injured while driving, your insurance may pay for the driver under ‘liability coverage’ unless he/she is excluded by the policy.

However, if the accident was caused by the negligence of any other driver on the road and you can prove it, the third-party insurer of that driver will pay the compensation to you and your insurance will remain unaffected.

Thus, there is no harm in lending your vehicle to your friends or family members as your car insurance will cover the damages under the collision coverage. However, always make sure the person has a valid driving license and he/she is driving under the permissible laws.

Steps to Take After a Friend Crashes Your Car

In the unfortunate event that your friend crashes your car, follow these steps to ensure a smooth claim process:

1. Ensure Safety: First and foremost, check for any injuries to your friends, passengers, or third parties involved. Seek medical assistance if necessary.
2. Document the Scene: Take photographs of the accident scene, including damages to all vehicles involved, licence plate, and any relevant road conditions or signs.
3. Exchange Information: Collect contact and insurance details from all parties involved in the accident.
4. File a Police Report: In India, it's mandatory to file a First Information Report (FIR) for accidents involving third-party injury or significant property damage. This report is crucial for the insurance claim process.
5. Notify Your Insurance Company: Inform your insurer about the accident as soon as possible. Provide them with all necessary documentation and cooperate fully during the investigation.
6. Avoid Admitting Fault: Tell your friend not to admit fault at the scene. After a thorough investigation, the authorities and insurance companies should determine the fault.

Documents Required to File a Car Insurance Claim

To expedite the claim process, ensure you have the following documents ready:

1. Duly Filled Claim Form: Obtain this from your insurance company or download it from their website.
2. Copy of the Vehicle's Registration Certificate (RC): This verifies ownership and details of the vehicle.
3. Driver's Licence: A copy of your friend's valid driving licence.
4. First Information Report (FIR): Especially necessary in cases involving third-party injury or significant damages to their property.
5. Insurance Policy Document: A copy of your car insurance policy.
6. Repair Estimates: Obtain a repair estimate from an authorised garage.
7. Medical Reports: If there were any injuries, medical reports and bills might be required.

Having these documents organised and readily available can significantly streamline the claim settlement process.

FAQs

1. Will my insurance premium increase if my friend crashes my car?

Yes, filing a claim can lead to an increase in your insurance premium upon renewal. Additionally, you may lose any accumulated No Claim Bonus.

1. Is my friend liable to pay for the damages?

Legally, as the car owner, you are responsible for damages. However, you can have a personal agreement with your friend regarding reimbursement for deductibles or increased premiums.

1. What if my friend was driving under the influence?

If your friend was intoxicated during the accident, the insurance company is likely to reject the claim due to a violation of policy terms.

1. Does insurance cover apply if my friend is a learner driver?

If your friend holds a valid learner's licence and adheres to the conditions (such as being accompanied by a licenced driver), the insurance should cover the accident. However, it's essential to verify this with your insurer.

1. Can I exclude certain drivers from my insurance policy?

Some insurance policies allow you to exclude a specific person or persons from the insurance. Consult the insurer and communicate your needs to learn more about such details. 

Conclusion

Letting a friend drive your car can be generous, but you should be aware of how it affects your insurance coverage. Ensure that your friend is a responsible driver with a valid licence and follows all traffic laws. Learn all about your policy's terms and conditions while buying car insurance online to avoid any surprises in the event of an accident. Open communication with your insurer can provide clarity and ensure that you're adequately protected, regardless of who is behind the wheel.

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.

Among the many components of car insurance, designating a nominee is a crucial yet often overlooked aspect. Timely choosing a nominee ensures that, in the unfortunate event of the policyholder's demise, the insurance benefits are transferred easily to a chosen individual. This article delves into the significance of a nominee in car insurance policies, the process of adding one, and the benefits thereof.

What does nominee mean in car insurance?

Well-planned insurance coverage for your car includes a well-thought decision regarding a suitable nominee. It ensures a smooth transfer of car ownership in case of the policyholder’s demise. Keeping this in mind, let us understand who a car insurance nominee is and what are his/her rights and duties.

Meaning of nominee in car insurance policies

While purchasing the car insurance online, you need to name a nominee along with other essential personal details. A nominee in car insurance serves a similar function as that of any other insurance policy or any other asset an individual holds.

Legally, in the case of an individual’s demise, the assets and any other property owned by him/her is passed on to the legal heir. When naming a nominee, such legality is executed and brought to force, making the named individual the legal heir and effecting policy transfer in the case of the unfortunate demise of the policyholder.

Naming a nominee also eliminates any chances of legal dispute if there are multiple legal heirs to the individual. For instance, if a person has two children, X and Y, both would be the legal heirs to his property. However, if he has named X as the nominee in his car insurance policy, in the case of the policyholder’s demise, any scope for ownership dispute is eliminated.

Now, one must also understand that the policy should be active while such policyholder is deceased for this to effect. The benefits mentioned under the coverage plan would be applicable and claimable by the nominee only if the policy was active during the policyholder’s demise.

Under circumstances where the car insurance nominee hasn’t been mentioned, the ownership of such policy passes on to the legal heir without dispute.

Nominee/legal heir to motor vehicle policy as per natural succession

In case a policyholder has mentioned a nominee to the coverage benefits of an active policy, the ownership is passed to the nominee of the deceased. However, for natural succession, the following relationships qualify to become legal heirs of the car insurance plan in the case of a policyholder’s demise.

1. Spouse

In case the policyholder has a spouse, he/she would be the immediate legal heir to the policy after the former’s demise. The car insurance policy would thus be transferred to the husband or wife under natural succession. If such a name has been specified in the car insurance policy documents as the nominee, the policy transfer is simplified.

2. Child

If a policyholder is a single parent, the ownership of such policy will be transferred to the child after the former’s demise as per natural succession. In case multiple children are involved, such transfer will be based on the policyholder’s legal heir details in the will or other similar processes. If a single child of multiple children is specified as the nominee, such transfer to the mentioned child will be indisputable.

How to add nominee to your car insurance?

Adding a nominee to your car insurance policy is a straightforward process:

1. During Policy Purchase or Renewal: Most insurers provide an option to nominate an individual at the time of purchasing or renewing car insurance online. You can specify the nominee's details in the application form.
2. Through Endorsement: If you wish to add or change a nominee during the policy term, you can do so by submitting an endorsement request to your insurer. This typically involves writing a letter or filling out a form with the new nominee's details.

It's advisable to review and update your nominee details periodically, especially after significant life events like marriage, childbirth, or the demise of a previously nominated individual.

Benefits of adding a nominee

Designating a nominee in your car insurance policy offers several advantages:

• Ensures Smooth Claim Settlement: In the event of the policyholder's death, the insurer can directly disburse the claim amount to the nominee, facilitating a hassle-free settlement process.
• Avoids Legal Complications: Having a nominee helps in sidestepping potential disputes among family members regarding the distribution of insurance benefits.
• Provides Financial Security: The nominee can utilise the insurance proceeds to manage immediate financial needs, such as medical expenses or loan repayments, ensuring financial stability during a challenging time.

Conclusion

It is best to make sure to name a car insurance nominee while purchasing the motor vehicle policy to eliminate any chances of hassles or disputes among natural heirs. Other parties to be contacted during policy transfer after such demise include the concerned RTO as well as the insurance provider. One can take the assistance of a lawyer for a more streamlined transfer process. It is also suggested for such a nominee to not drive the car if the policy has expired and buy a new coverage in his/her name for hassle-free coverage claims. Whether you have a third party car insurance policy or a comprehensive one, adding a nominee ensures a smooth transfer of benefits, giving you and your loved ones peace of mind.

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

The Indian automobile industry has witnessed some tectonic changes during the last few years. Some of these changes are increasing penetration of electric vehicles, innovative connectivity features in cars, digitalisation of

The most noteworthy change among these is the increasing adoption of electric vehicles (EVs). Despite the COVID-19 pandemic, EV manufacturers sold 5,32,485 units in India during the last two financial years. With the Government pushing for complete electric mobility and rising fuel prices, these figures will expand by 26% between 2021 and 2023.

So, if you are planning to buy a new car soon, you should start looking at the futuristic EV options. Almost all top automobile brands in India have started offering electric cars to their customers. You can select from a range of impressive options from some world-renowned car manufacturers.

What about car insurance?

As per the Motor Vehicles Act of 1988, all vehicles in India must be insured with a motor insurance policy; electric cars are not exempted from this rule. It means that you have to compulsorily buy car insurance for your electric vehicle to drive it on Indian roads. However, electric car insurance policies aren’t the same as regular car insurance plans.

Since electric cars are battery-powered and consist of a different engine, coverage offered by an electric car insurance policy is more customised. Also, the cost of car insurance for electric cars is higher as compared to the usual petrol and diesel cars.

Owning a car is a dream come true for many, for others it could be a much-needed asset—whatever is your reason for loving your car, make sure you secure it with the right car insurance policy. The Motor Vehicle Act, 1988 mandates third-party insurance for every car owner. However, a third-party policy offers only partial cover. While it covers third-party liabilities in case of a mishap, it will not protect you against any injury or damage to your car. Therefore, it is advised to secure your car and your finances with a comprehensive car insurance policy since it covers third-party liabilities as well as your own damage. A comprehensive car insurance policy can give you complete financial protection in the face of an unfortunate event.

What is the deductible in car insurance?

This is important. Remember, no insurance policy pays 100% of the claim amount since every plan comes with a deductible. A deductible is an amount you have to pay from your pocket as and when you make a claim. So, when an unfortunate event occurs, you pay a certain amount by yourself, and then the insurance company settles the remaining amount. For example, let’s say your car insurance policy has a fixed deductible of 5% and you make a cashless claim for Rs 50,000. In this scenario, once you make a claim, the insurer will ask you to pay the deductible, which will be Rs 2500 in this case. After you pay, the insurer will settle the remaining amount, which is Rs 47,500 directly with the garage.

In case of a reimbursement claim, you will have to pay the entire expenses to the garage from your pocket and the insurance company will reimburse the claim amount after deducting the deductible.

How are car insurance deductibles beneficial?

Car insurance deductible is beneficial to policyholders as it reduces your insurance premium amount considerably. The higher the deductible, the lower the premium. Therefore, many people opt for a higher deductible to reduce the car insurance premium.

Deductible is beneficial to the insurance company as it discourages the policyholder from making small claims.

There have been various predictions about the increase in motor insurance premiums in recent years. You must have scrolled through the websites of several insurers to check the price hikes, whether it was for comprehensive insurance or third-party coverage. Much to your anticipation, the Insurance Regulatory and Development Authority of India (IRDAI) has recently proposed amendments to third party car insurance pricing. The last revisions were made in June 2019, just before the onset of the pandemic.

The Ministry of Road Transport and Highways (MoRTH) and IRDAI’s latest proposal calls for a significant increase in third party car insurance premium. However, the car insurance price hike is kept to a minimum for private and commercial cars.

The proposals were made after reviewing the last 10 years' insurance claims and premiums data. The new rates will be effective starting 1^st April, 2022. 

What is third-party car insurance?

Third-party car insurance is the minimum insurance cover needed to drive a car in India. The policy covers the property loss and physical injury of a third party. Simply put, it is a pact between you and your insurer where the insurer agrees to indemnify you if you are sued or are found legally accountable for the death, injuries, or property damage caused to a third party.

In India, the rate of third party insurance is decided by the IRDAI and not by the insurance companies. The insurer is responsible for fixing the rate of standalone own damage insurance and comprehensive car insurance—own damage portion plus add-ons. The rates are set following a thorough evaluation of the claims paid out by various insurers over a period.

Let's go over the benefits of the third-party cover to understand why you should get it before the car insurance price increases.

Features of third-party liability cover

• Third-party legal cover is mandatory by law. 

• It compensates the third party for property damage caused by your car.

• If a third person is injured physically, the policy will cover their medical costs.

If a third person dies or becomes permanently disabled as a result of an accident involving your car, the policy will pay a lump sum amount.

So, how many times have you read the article stating that under the MV Act of 1988, car insurance is mandatory? Twice? Or, thrice a week? You may have insurance cover for your car but do you remember its expiry date? Avoid the last-minute rush to your insurance company’s branch for car insurance renewal, figuring out discounts, deals, and the process. In such situations, having a customer-oriented insurer can make life much easier for you. Renewing car insurance with ICICI Lombard comes with numerous advantages, sans any stress or hassles. Want to know more? Keep reading.

Features of ICICI lombard car insurance

ICICI Lombard’s four-wheeler insurance policy stands out due to its extensive features:

• Comprehensive Coverage: Protection against third-party liabilities, own damages, and natural or man-made disasters.
• Zero Depreciation Cover: Ensures you receive full claim value without factoring in depreciation.
• Cashless Repairs: Access to a variety of garages for seamless cashless repair services.
• 24x7 Roadside Assistance: Help is just a call away in case of emergencies like breakdowns, flat tyres, or battery failures.
• Instant Policy Issuance: With minimal paperwork, renew your policy online within minutes.

Benefits of ICICI lombard car insurance renewal online

Renewing your ICICI Lombard car insurance online is a game-changer. Here’s why:

1. Saves Time:

Do you usually take a day off only for car insurance renewal? Consider going on a movie date instead because, with ICICI Lombard, car insurance policy renewal takes just a few minutes. Here are the steps for instant car insurance renewal.

• Visit the ICICI car insurance renewal page.
• Enter your car's registration number and registered mobile number.
• Click on the 'Proceed' icon.
• Follow the instructions displayed on your laptop screen.

In case you find this method difficult, simply visit the link sent to your registered email address and mobile number.

2. Easy Customisation:

Did you forget to buy the add-on you wanted for your car the last time you bought a policy with ICICI Lombard? Do not forget it this time. With us, you can select from nine different car insurance add-on cover. All you have to do at renewal time is customize your policy with the add-on you think is best for your car. However, keep in mind that add-ons come with an additional policy premium and the calculation is based on the type of your car's policy cover. The different add-ons available at ICICI Lombard are:

• Roadside assistance cover
• Zero depreciation cover
• Consumable cover
• Garage cash cover
• NCB protection cover
• Engine protect plus
• Return to invoice cover
• Key protect cover
• Personal belonging cover

3. No Claim Bonus (NCB):

ICICI Lombard appreciates your safe driving through the policy year and rewards you with a No Claim Bonus for each claim-free year. When you opt for car insurance policy renewal within 90 days from its expiry day, you are eligible to retain your NCB. This way, you can easily lower your policy premium up to a maximum of 50%. To understand the NCB retention in a detailed manner, look at the table below.

4. Policy Switch:

Third-party liability insurance covers the legal liability of third party damage only and does not cover your car’s own damage. So, if you have this minimal cover for your car and want to increase the scope of your policy you must switch your policy. With us, you can easily change your policy at the time of car insurance policy renewal. If you have third party cover along with a standalone own damage policy, you can easily switch to a comprehensive car insurance policy by paying the necessary premium. There are no restrictions on switching the policy.

5. Secure and Transparent:

If you renew your coverage from or pay your premium to an unauthorised source, there is a high chance of fraud. At ICICI Lombard, we provide our customers with a secure payment gateway and ensure that their transactions are not vulnerable to fraud. Moreover, while renewing a car insurance policy with us, you don't get duped by any hidden clauses. The policyholder can access all insurance information with a single click and can proceed without any uncertainty about the car insurance renewal process.

6. Security:

Renewing a car insurance policy secures your drive in every possible manner. With our insurance cover, you don't need to worry about the financial obligations that may arise due to a mishap or third party legal liabilities. Plus, car insurance renewal helps you to drive around the city with confidence instead of being constantly preoccupied with the financial consequences of an accident.

If you are a car owner, your vehicle is probably an essential part of your daily schedule. Hence, it is very important for your car to be in the best condition possible. The type of fuel you use for your car has a great impact on its performance and condition. This, in turn, can also have an impact on your car insurance.

You might have noted that many of the fuel pumps sell two kinds of petrol. Also, if you have asked to fuel your vehicle with power petrol, you might have noted that the price is higher than regular petrol. Doesn’t it make you curious? What is the difference between petrol, are there any additional benefits of adding power or premium petrol, and why is it costlier?

 This blog will detail power and normal petrol and their differences.

What is Power Petrol?

Power petrol is a type of fuel made of the same chemical compounds as regular petrol but with higher octane levels. It is also called premium or high-octane petrol. Power petrol is developed for high-performance vehicles.

Advantages of Using Power Petrol?

There are several advantages of fuelling your vehicles with power fuel. Some of the significant benefits of using premium/power petrol are as below:

• Increase in fuel economy (average) - Adding power to petrol improves the combustion of fuel in an engine which assists your vehicle in enhancing its economy.
• Enhance the speed and power of the vehicle- When you use Power petrol, it reduces engine knocking directly, and fuel power affects the strength of the vehicle. You can get more acceleration and power using it.
• Eliminate the deposit of intake valves and fuel injectors in the engine mechanism.
• Adding power fuel will improve your driving experience as it utilizes the maximum power and speed from the fuel. Nevertheless, eliminating the use of intake valves and fuel injectors will offer you a smooth ride over your vehicle.
• Manage and direct the octane requirement increase (ORI) of your vehicle.
• Prevents the fusion of input valves, reduces engine banging, and lessens harmful exhaust emissions through silencers.

When to Use Power Petrol?

Power petrol is recommended for vehicles with high-compression engines, such as sports cars, luxury vehicles, and turbocharged automobiles. It supports the advanced performance of high-compression engines that are made to withstand high pressure and temperature.  Always consult your vehicle owner's manual to determine the appropriate fuel type. 

When to Use Normal Petrol?

For most standard vehicles with regular engines, normal petrol with an octane rating between 87 and 91 is sufficient. These engines offer efficiency with normal fuel, and using power petrol may not have any major advantages. Moreover, normal petrol is more cost-effective, making it the practical choice for everyday use.

Power Petrol vs Normal Petrol: Key Differences

The main difference between regular and power fuel is that power or premium fuels have a higher number of octane. Usually, in the country, different kinds of petrol have different numbers of octane. Regular petrol or unleaded petrol typically has octane ratings of 87. In midgrade petrol, the number of octanes varies from 88 to 90. In premium or Power petrol, there is a higher number of octane, i.e. 91 to 94.

FAQs on Power Petrol vs Normal Petrol

1. Can I use power petrol in a car designed for normal petrol?

Using power petrol in a vehicle designed for normal petrol may not offer significant benefits and could lead to increased fuel costs without noticeable performance improvements. It's best to follow the manufacturer's recommendations.

2. Will using normal petrol in a high-performance car cause damage?

Using normal petrol in a vehicle that requires power petrol can lead to engine knocking, reduced performance, and potential long-term damage. Always use the fuel type specified in your vehicle owner's manual.

3. Does power petrol improve mileage?

In certain high-performance engines, power petrol can improve fuel efficiency due to better combustion. However, in standard engines, the difference in mileage may be negligible.

4. Is power petrol worth the extra cost?

For vehicles designed to run on high-octane fuel, the benefits of power petrol can justify the additional cost. For standard vehicles, the advantages may not outweigh the higher price.

5. Can I mix power petrol and normal petrol?

Mixing power petrol and normal petrol is generally safe, but it may dilute the benefits of the higher-octane fuel. It's advisable to use the fuel type recommended for your vehicle.

Conclusion

In summary, Power petrol has more octanes than standard petrol. Several advantages are there to using Power petrol, such as improvement in fuel economy, smooth-riding, and vehicle strength. Even though it is a little costlier, the benefits outweigh the expense. Fuel efficiency not only impacts your vehicle but also affects the cost of your four-wheeler insurance. Always consult the manufacturer and do thorough research before choosing a fuel you can stick to for the best performance and long life of your favourite vehicle.

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.

Earlier buying an insurance policy and its renewal was really a very cumbersome process. With the advent of technology, the whole procedure has become so much simpler. In fact, the majority of service providers offer the option of completing the entire buying and renewal of policies online to their customers.

While the insurance companies have their own websites where you can get this done, another option is to use third-party aggregator sites too. You can primarily use these sites to compare the various benefits offered by the insurance companies at the time of buying or renewing their car insurance policy.

What is the Grace Period in Car Insurance?

The grace period in car insurance is the additional time your insurance provider allows you to make the premium payment after the due date has passed. This is to ensure the policy doesn’t lapse. Benefits such as no-claim bonus (NCB) are available during this period. However, you cannot make any claims as the car is considered uninsured during the grace period.

What is The Duration of the Grace Period in Car Insurance?

There is no grace period after insurance expires under law. It all depends on the insurance companies. The grace period for the insurance plan may vary from 3 days to 30 days as per the terms and conditions of the policy issued by the insurance company. The customer must check about the car insurance grace period at the time of buying the insurance policy.

Benefits of Renewing Car Insurance Within The Grace Period

There are several advantages of renewing your four-wheeler insurance within the grace period-

1. You can keep the no-claim bonus or NCB.
2. The risk of an increased rate of premium is reduced.
3. You can enjoy the coverage without a break.

What Are The Consequences Of Not Renewing The Car Insurance Before Expiry?

Under the Motor Vehicles Act, driving cars on Indian roads without third-party car insurance is illegal. Such action may invite the imposition of penalties and fines. It is advisable to renew your car insurance before its expiry date. Besides the legal drawbacks, there are several other disadvantages of not renewing your car insurance policy on time-

1. Penalties by the Insurance Provider: The practice usually followed by the insurance companies is that they will charge some sort of a late payment fee if the delay is reasonable, say, within one month of the car insurance grace period.

2. Cancellation of Policy: If the delay in renewing the car insurance is excessive, then the possibility is that the insurance company may cancel the policy itself. After the cancellation of the car insurance policy by the insurance company, no claims from the car owner will be acceptable. This situation may leave the car owner exposed to legal and financial liabilities. The car owner should also not drive the car until the renewal process is complete.

3. Loss of No Claim Bonus (NCB) : Many insurance companies offer no-claim bonus car insurance for safe driving. This is a discount offered to the customers at the time of renewal of the car insurance policy. But this bonus or discount is available to the car owner only up to ninety days from the date of expiry of your car insurance.

4. Car Inspection: Some insurance companies may conduct an inspection of the vehicle if the renewal is not made within the grace period. Many insurance companies offer relaxation from such stipulations. However, it is mandatory to carry out an inspection of the vehicle if the insurance renewal is not done within ninety days of the date of expiry.

5. No Third-Party Coverage:  If the car owner is involved in any car accident after the expiry of the four-wheeler insurance but before its renewal, then there is a possibility of the owner being entangled in third-party legal hassles.

Pre-Renewal Checklist

Remember to go through this checklist at the time of policy renewal.

• The Insured Declared Value or IDV in car insurancehas to be re-evaluated against the premium charged. In this way, you will pay the best price for benefits enjoyed through the insurance coverage.
• The claims ratio of the current insurance company must be checked at the time of renewal.
• The car owner must ensure that service centres with the cashless facility are available near his locality.
• The car owner must check the discounts available for the payments he or she has to make over and above the claims made to the insurance company.

Please don’t wait for the grace period but get your renewal of the insurance policy done before the expiry date and enjoy a burdenless drive.

FAQs

1. Is there a government law regarding a grace period in car insurance?

Driving an uninsured car is an offense and can lead to penalties by traffic authorities. A grace period in four-wheeler insurance is provided by the insurer, during which the policyholder is allowed to renew the policy without any fines.

2. Will I lose my no-claim bonus (NCB) if my car insurance policy expires?

The policyholder can continue to benefit from the NCB during the grace period given by the insurance provider, beyond which all the benefits are lost.

3. Can I switch my insurance provider if my car insurance has expired?

A car owner can buy insurance coverage from one insurance company and renew with another. If the owner has not been satisfied with the benefits and services of the insurance company, the best time for the review of that policy is just before the expiry of the current insurance policy.

4. What is the grace period for an insurance policy on a new and used car?

There is no difference between the grace period for a new and used car. The difference in this additional time depends upon the terms of the policy and insurance provider.

Conclusion

Understanding and using the grace period for car insurance renewal is important to maintain continued coverage for your vehicle. Timely renewal protects you from legal and financial consequences. While a grace period is a last resort that provides a safety net in case of missed deadlines, renewing the policy long before its expiration date is advisable. Stay proactive and renew your four-wheeler insurance on time.

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.

Your comprehensive car insurance would be able to cover repairs, personal insurance as well as third-party car insurance. However, is your comprehensive car insurance truly comprehensive? In all probability, the consumable parts of your four-wheeler wouldn’t be covered by it. Therefore including the coverage consumables in the car insurance policy would be required to cover the consumable parts of your vehicle.

What is Consumables in Car Insurance?

Consumables are those commodities that have a specific use for a limited period. Once these items are used, they may not be used again in the future. These items are required to be replaced regularly due to wear and tear. Some examples of such items are engine oil, ball bearings, nuts, bolts, washers, brake oil, screws, grease, AC refrigerant etc.

You must have realised by now that the list of consumables is a long one. Each individual item may seem to be of little importance but they all are integral to the functioning of a car.

Benefits of Consumables Cover in Car Insurance

Adding consumables cover to your car insurance has several benefits:

1. Financial Protection: By compensating for the cost of repairing or replacing the consumables, this cover reduces out-of-pocket expenses.
2. Peace of Mind: It eliminates the worry about unforeseen costs of repairs after an accident.
3. Extensive Coverage: It complements the comprehensive four-wheeler insurance, ensuring that all aspects of repair are covered.

Coverage Under Consumables Add-on in Car Insurance

Your comprehensive car insurance policy wouldn’t provide cover for the cost of consumables. Therefore you would have to pay from your pocket for replacing the consumables at the time of claims. However, a consumable cover is an add-on cover that will pay the cost of consumables in case of replacing or refiling it due to an accident.

What Are the Inclusions of a Consumables Cover?

A consumable cover would cover the following:

• Engine oil
• Gearbox oil
• Nuts and bolts
• Grease, Washers, Oil Filters, Lubricants
• Power steering oil,
• AC gas oil
• Radiator coolant and all similar items except fuel

What Are the Exclusions of Consumables Cover?

Consumables cover won’t compensate for the damages caused under the following circumstances -

• Driving without a valid licence
• Driving under the influence of alcohol or drugs
• Driving a private vehicle for commercial purposes
• Any mechanical or electrical breakdown
• You delayed informing the insurance company
• Wear and tear of the vehicle parts

Buying Consumables Cover in Car Insurance: Things to Know

One can file a claim under this add-on cover only if it is accepted under the ‘own damage’ section of one’s comprehensive car insurance policy. This would mean that the cost of consumables in car insurance of a third-party vehicle isn’t eligible for a claim.

For one’s claim to be valid, the car consumables have to be repaired within three days from the date of the accident. Therefore, one must immediately inform the insurer once the accident takes place.

This add-on is usually valid for cars that aren’t older than 5 years.

Why Buy a Consumables Cover in Car Insurance?

Imagine that you were going on a drive.

Unfortunately, your car met with an accident and needs repairs. The cost of the repairs is worth Rs 15,000. The ‘own damage’ component of the comprehensive car insurance policy that you own covers repairs worth Rs 13,000. The remaining Rs 2,000 needs to be paid for repairing or refiling various consumables such as engine oil, nuts, and bolts.

If you have a consumable cover, the entire bill of Rs 15,000 would be covered, and you wouldn’t need to spend a rupee from your pocket. Therefore, a consumable add-on augments your comprehensive car insurance policy.

How to File a Claim for Consumables Cover in Car Insurance?

Firstly, you must submit the receipts and bills charged for repairs. It is preferable that the repairs are made in a garage which is a part of your insurer’s network. If you get your car repaired at a non-network garage or don’t inform the insurer beforehand, then it is possible that your claim might be denied.

You need not worry about the policy or car details as your insurer would already have them.

What Are the Documents Required for the Consumables Cover Claim?

To file a claim on car insurance with consumables cover, make sure to have these documents with you-

1. Receipts and bills of damage repair
2. Driver’s licence
3. Car insurance policy documents
4. The Registration Certificate or RC of the vehicle

FAQs

1. Who should buy a consumables add-on cover?

People looking to reduce the cost of small damage repairs and replacements of the consumables can go for this add-on cover.

2. Will consumable cover cost extra?

Yes, the cost of consumables in four-wheeler insurance is extra. This is because it isn’t a part of a comprehensive car insurance policy. Also, it is important to note that the consumable add-on cover would differ from one car model to another.

3. How to purchase consumables cover in car insurance?

You can purchase consumables cover online or offline from your insurance provider.

4. Will consumables cover reimburse me for routine wear and tear?

No, routine damage repair costs are not covered by the consumables add-on.

5. Can I purchase consumables cover for commercial vehicles?

Yes, consumables cover can be purchased for commercial vehicles such as tourist buses and cabs.

Conclusion

Consumables cover is an add-on available with four-wheeler insurance policy and covers the repair and replacement cost of regularly consumed vehicle parts. Though optional, it is useful for protecting the owner against unforeseen expenses. Before purchasing any add-on, consider your needs and consult your insurance provider to make the best decision for your vehicle and your financial health. 

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. 

Hypothecation may sound complicated and a bit of a tongue twister as well but it is really quite a simple concept and one that you are most likely familiar with if you have taken a car loan to purchase your desired car.

To give you a better understanding of this term used in car insurance, we devote today’s article to explain to you the concept of hypothecation and the important aspects that you need to know about hypothecation with respect to car insurance.

Hypothecation in Car Insurance Explained

It is in rare cases that a buyer makes a full upfront payment to purchase a major high value asset such as a car, the cost of which runs into many lakhs of rupees. Most people whether salaried, self-employed or having a business of their own will usually approach a bank to apply for a car loan.

A car loan allows you the dual benefit of owning and using your own car while at the same time easing out your financial burden into manageable monthly instalments or EMIs. Actually when you go in for a car loan, you don’t fully own your car. Here is where the concept of hypothecation comes in.      

Hypothecation means that the asset, against which you have taken the loan i.e. your car, will be pledged to the lender i.e. the bank that has sanctioned your car loan. It is a security measure taken by the bank where your car is pledged as a collateral security to the bank till such time as you repay the car loan in full. In case you default on your EMI payments, hypothecation gives the bank the authority to seize and take possession of your car. Hypothecation also ensures that you do not sell the car to another party until you have repaid your car loan. Hence during the period when there is an active car loan in your name, your car remains hypothecated to the lender which could be a bank or NBFC from whom you have taken a car loan.