Toyota Innova Crysta has become a household name ever since it launched in May 2016. Even before the launch of Crysta, Toyota Innova has had its fair share of capturing the market of MUVs.  Even though it faced tough competition from the market, the Toyota Innova Crysta has successfully maintained its status.

The Innova Crysta has regularly maintained its high selling status and outsold even cheaper models in the same segment. Another important factor about the Toyota Innova Crysta is its high resale value which attracts a lot of first time and used car buyers. No matter if you have a old car or a new car, always make sure to protect it with a car insurance policy.

Here are some of the factors because of which the Innova Crysta has become popular:

Level of comfort

Toyota has made sure that the Innova Crysta scores really high on the comfort quotient. It has acres of leg-room and headroom in all the rows, and a high seating position and a well laid cabin. The third row is very spacious as it has been designed to accommodate two to three adults. There is both 7 seater and 8 seater options available for this MUV. In the 7 seater variants, the centre row gets captain seats. The front passenger seat can be adjusted from the middle row captain seat and the driver seat is completely electronically adjustable.

The Innova Crysta can take pride in its individual AC control, comfort and space, unlike many MUVs. The luggage space can also be increased by folding the last row if the need arises.

Look and design

Toyota has certainly put in a lot of effort in designing the look of the Innova Crysta. This MUV has an indestructible build quality and extremely good design. Some features of the MUV include large sweptback projector headlamps along with LED daytime running lights, hexagonal front grille, three air-bags, middle read head rest, seat belt warning, brake assistant, speed sensing door lock, driver arm rest, etc. The Innova Crysta also has two pieces split taillights along with a rear spoiler.

Reliability and safety

Toyota Innova Crysta adheres to the top of the line safety features. This MUV comes with ABS and airbags as part of its standard safety feature. There are 7 airbags in the top end variant that includes the driver, front passenger, driver knee, front side and curtain shield. Other safety features of the car include electronic stability programs, hill hold control, hill descent control, etc.

Easy maintenance and service

The spare parts of the Toyota Innova Crysta come at a very affordable rate. Hence, this MUV is comparatively easy to maintain. The Innova is known to have excellent build quality. Hence, the problem of malfunction and replacement is quite rare. Generally, Toyota cars are known to barely have any issues. Along with this, there is a widespread network of Toyota service centres across the country that strives to provide complete satisfaction to their customers. Regularly servicing the car on time can help the car to run as smoothly as possible. All these aspects combined together increases the resale value of the MUV.

Performance: The Toyota Innova Crysta offers two diesel options to its customers.

The Toyota Innova Crysta engines are known for its reliability. It is also known for its fuel efficiency and good performance. Innova Crysta is known for its refined, powerful, fuel-efficient status.

Resale value

One of the reasons for the popularity of Innova Crysta is that it has a great resale value. With features like the ones mentioned above, the value of the car depreciates slowly.

Brand image

Toyota Innova has always had a good image in the market since its launch and has been a household name. Thanks to its popularity status people were eagerly waiting for the launch of the new Innova Crysta in 2016. Considering the above factors, Innova remained true to its promise and maintained its brand value.

Toyota Innova Crysta is undoubtedly one of the top selling cars in the country. Since they have never compromised on their offerings, this is helped them maintain their popularity in this MUV segment.

Protecting your Innova Crysta with car insurance

It is important to have a car insurance policy, including third party car insurance, to ensure that your Innova Crysta is protected in case of an accident:

1. Comprehensive Car Insurance: This plan extends coverage to include damages to your own vehicle because of accidents, theft, natural calamities and man-made disasters. It also encompasses third-party liabilities and offers personal accident cover, ensuring extensive protection.
2. Third Party Car Insurance: This basic policy covers damages or injuries inflicted on third parties. While it's the minimum legal requirement, it doesn't cover damages to your own vehicle.

You can purchase car insurance online through simple steps. Most insurers provide the option of comparing and customising plans according to your needs. Select the add-ons and coverage that you require and save time and resources while also protecting the future 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 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 car is like your baby. You want to look after it, protect it from every potential danger, and nurture it for as long as you decide to keep it. In spite of so much security and protection, incidents on roads will happen. For all these unforeseen moments, you will be glad that you have a solid car insurance policy to back you up.

That said, what do you do in a scenario where your beloved car is damaged beyond repair or is stolen?

Don’t lose hope right away as you, fortunately, have Return of Invoice, better known as RTI as an add-on cover.

What Is RTI In Car Insurance?

RTI is an add-on cover offered with a comprehensive car insurance plan. This can only be availed by vehicles that are new or are less than five years old. If the car is stolen or suffers irreparable damage, the insured customer has the right to claim full compensation equal to the invoice value of the car.

Benefits of RTI Add-on Cover

RTI add-on cover has a number of benefits-

1. Full Reimbursement of Invoice Value: Ensures you get back the complete amount spent on purchasing the car, including taxes and registration fees.
2. Protection Against Depreciation: Shields policyholders from the impact of depreciation, which reduces the car's market value over time.
3. Financial Security: Helps maintain financial stability by covering the gap between market value and the original price.
4. Convenience in Replacement: This enables you to replace your stolen or damaged vehicle without incurring significant additional costs.

How Does Return To Invoice Cover Work?

Having the RTI option is an investment that can help safeguard your back, especially when financial liabilities are high. By bridging the gap between the vehicle and its Insured Declared Value and the actual invoice value, you are liable to be reimbursed for the total ‘On-road’ price of the vehicle you paid when you purchased it.

When Is The Return To Invoice Cover Applicable?

Having the RTI option is an investment that can help in safeguarding your back especially in situations where the financial liabilities are high. By bridging the gap between the vehicle and its Insured Declared Value and the actual invoice value, you are liable to be reimbursed for the total ‘On-road’ price of the vehicle that you paid when you purchased it.

Generally, the RTI cost is approximately 10% more than a comprehensive car insurance plan.

Remember that insurance providers offer RTI as an add-on for vehicles until they reach an age limit that has been predefined before.

When Is The RTI Cover Not Applicable?

The Return to Invoice option is not applicable in all situations. So, when you have a dent in your car, it needs repairing, or if your windshield has a crack on it, you do not need to bank on RTI for compensation. Own Damage Cover or other add-ons like Zero Depreciation can handle these partial losses.

RTI should only be used to recover substantial financial loss as a result of irreparable car damage or if there has been a case of theft where the vehicle is no longer recoverable.

How To Calculate RTI?

You will be paying the ‘On Road’ price when you opt to buy a new car. This typically comprises of the Ex-Showroom Price Plus the Road Tax. Plus, you are also liable to pay Registration Charges, the amount of which is determined by the make or class of your car. Add everything together and you end up with an IDV figure which is less than what you initially paid.

Having an RTI as an additional cover ensures that your IDV is the same as the ‘On Road’ price that you paid. What this translates into is that if your car is stolen or damaged beyond repair, you can claim the original price as compensation that you paid for the car at the time of purchase.

On the other hand, if you choose to raise the claim under Total Loss / Constructive Total Loss or Total Theft of your car insurance plan, the insurer will compensate you with the lower of any one of these two values:

• Ex-showroom price Road tax Registration charges at the time of purchase
• In case the same model is available, then the present replacement price of the vehicle would be -> Ex-showroom price+Road tax+ Registration charges

How Much Does Return To Invoice Cost?

The cost of an RTI add-on varies based on:

• The car’s make and model.
• The insurer’s premium structure.

Generally, the RTI cost is approximately 10% more than a comprehensive car insurance plan. Remember that insurance providers offer RTI as an add-on for vehicles until they reach an age limit that has been predefined before.

Who Should Opt For A Return To Invoice Protection Cover?

RTI is particularly beneficial for:

• New Car Owners: Protects the significant investment made in a new vehicle.
• Vehicles in High-Theft Areas: Essential for residents owning cars in regions prone to vehicle theft.
• Cars in Calamity-Prone Zones: Provides financial security to individuals owning cars in areas susceptible to natural disasters.
• Expensive Cars: Ideal for luxury and high-value vehicles where depreciation is steep.

Validity of RTI

Since the add-on comes with a limited shelf life, you cannot bank on it forever. Usually, after some of your policy renewals in the first few years, your insurance provider will withdraw this benefit. This is because paying the ‘On Road’ price for an aged vehicle will convert into a financial loss for the insurance provider. The value will, of course, be more than the current market price of the car, especially if the vehicle has experienced significant wear and tear over the years.

That said, when you do raise a claim with RTI, the insurer is legally bound to pay the invoice cover in full. There are really no loopholes for evasion of any one of the charges, including one-road price, registration costs, road tax, dealer’s handling, etc., that can be bypassed in any way.

They may also offer compensation of a specific amount which is in exclusion of the car’s showroom price as mentioned in the original invoice.

Which of The Add-on Covers Is Better: ZERO Depreciation Or RTI?

Under usual circumstances, your maximum claim is limited to the IDV of the vehicle. On the other hand, RTI is a top-up option that can be used to cover the difference between the Insured Declared Value and the Invoice Value of the vehicle.

To put things into perspective, due to the annual depreciation of your car, IDV will always be less than the invoice value of your vehicle. With an RTI option in place, you can get the current on-road price. That means, even if there has been depreciation, it does not apply to you. If you want comprehensive coverage for repairs, Zero Depreciation is better. However, for maximum financial security against total loss, RTI is the superior choice. Depending on your priorities, you may even opt for both.

Things To Remember About Return To Invoice Cover

A few things to keep in mind when choosing Return to Invoice cover are-

1. Limited Availability: Offered only for cars up to 3–5 years old.
2. Annual Renewal: This must be renewed along with the base policy to remain active.
3. Premium Increase: Adds to the overall cost of your insurance premium.
4. Exclusions: Not applicable for third-party policies or partial damages.
5. Invoice Retention: Keeping the car’s purchase invoice is crucial for claims.

FAQs on RTI

1. Will there be deductions during claiming RTI?

A claim under RTI may not reimburse the full amount of your car invoice. The claim amount depends upon the terms of the policy, and it is advisable to talk to the insurer to understand the claim process.

2. Can RTI cover be bought for cars older than 3 years?

Yes, you can purchase RTI cover for a car older than 3 years if the insurance provider allows it.

3. Are accessories covered under RTI?

No, additional costs, such as car accessories, are not covered by RTI.

4. Are minor accidents covered by RTI?

No, minor damages to the vehicle are not covered by RTI.

5. What is the difference between RTI and IDV?

RTI or return to invoice is an add-on in car insurance, while IDV or insured declared value is the current market price of a vehicle declared by the owner.

6. Is RTI better than IDV?

No, the importance of both covers depends upon the situation, and both provide useful coverage to the vehicle and its owner.

7. When can I buy an RTI add-on?

You can purchase RTI add-ons while buying car insurance online. Alternatively, you can get this coverage while renewing your policy for a car that is no more than 3 to 5 years old.

8. Can I buy another add-on if I have purchased RTI?

Yes, you can modify your policy by purchasing as many add-ons as your insurer allows.

9. Is RTI cover worth it?

The value of RTI cover for your car insurance depends upon your financial needs, vehicle age and model, and the total cost of your insurance policy. Chat with the insurance provider and decide whether you need the add-on or any other riders to make your car insurance more comprehensive.

Conclusion

Return to Invoice is an add-on available with your comprehensive car insurance cover that plays a key role in saving you from receiving a claim amount much lower than the car's purchase value. While it comes with additional costs, its benefits far outweigh the expense. Carefully evaluate your needs and circumstances to decide if RTI is the right choice.

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

Car insurance works to cover your precious car from suffering any damages that could be caused by any kind of mishap or untoward situation such as an accident, floods, earthquake, fire, riots or any other natural calamity or man-made disaster, as well as a complete loss in case your car gets stolen. Vehicle insurance also protects you from damages or loss caused by your vehicle to a third-party. 

When you purchase vehicle insurance you naturally want o get the best possible protection for your car. One of the ways to ensure this is by having a zero depreciation cover in your car insurance policy. Zero depreciation cover is an important and beneficial add-on feature and one you should definitely include when buying car insurance.  

This article will act as complete guide to zero depreciation by covering its various aspects and how it affects your car insurance policy.

Understanding vehicle depreciation and zero depreciation

Depreciation means the loss of value of a vehicle over time, in this case your car particularly if you have bought a new car. This loss of value due to usage and normal wear and tear actually starts from the moment that you brand new car leaves the showroom. All insurance companies take into account the depreciation of the vehicle while calculating the policy premium and at the time of settling a claim.

The table below gives you an at-a-glance snapshot to understand how the loss in value or depreciation happens over time as your car gets older.

Depreciation Schedule

 Zero depreciation cover in car insurance is offered as an add-on cover when you buy a comprehensive car insurance policy. Having a zero depreciation cover enables you to minimise the effects of vehicle depreciation.

How zero depreciation works

Zero depreciation add-on cover, also called nil depreciation or bumper to bumper car insurance, takes care of the loss in value of your car due to wear and tear and gives you better car insurance coverage.

Suppose your car gets damaged in an accident and the garage or workshop informs you that certain parts are beyond repair and will need to be replaced completely. In such a situation, if you have a zero or nil depreciation add-on cover in your comprehensive car insurance policy, it will save you from paying from your own pocket for the repair and part replacement expenses of your car which could amount to quite a bit. The insurance company will pay 100% of the expenses with nil or zero amount deduction for part depreciation.

If you do not have zero depreciation car insurance cover, the insurance company will pay only partly for the repair and replacement of depreciable parts while settling your claim. The rest of the cost will have to borne by you.

Here is how your car parts are affected by depreciation. These are the depreciation rates set by the insurance regulator IRDAI.

What is not covered in zero dep?

While zero depreciation in four wheeler insurance provides extensive coverage, it does not cover:

• Routine wear and tear of vehicle parts
• Mechanical or electrical breakdowns
• Damage due to driving under the influence of alcohol or drugs
• Unauthorised vehicle modifications
• Tyre and battery replacement (unless damaged in an accident)

Benefit of zero depreciation

It is definitely worth paying the extra amount for getting a zero depreciation add-on cover with your comprehensive car insurance plan because it completely justifies the slightly higher premium charged by your insurer in return for the following benefits. These are the benefits you get with zero depreciation cover:

• Ensures that the insurance company fully covers the cost of repair and replacement of vehicle parts such as fibre glass components, rubber, nylon / plastic parts, battery, tyres and tubes, metal and glass parts, without deducting depreciation.
• The policyholder does not need to pay anything extra at the time of raising a claim.
• Gives an extra layer of protection for your brand new and expensive car
• Adds more value than buying standard car insurance

In a way if you look at it, including zero depreciation cover in your comprehensive car insurance policy, makes your car an ageless beauty since the insurer will not take the car’s age into consideration when processing your claim for damages.

Zero dep vs comprehensive cover

How to get zero depreciation cover

You can get zero depreciation cover at the time of purchasing a new comprehensive car insurance policy or you can apply for it when renewing your current policy. The validity of a zero depreciation add-on cover is for a year after which you will need to get it renewed.  

Conclusion

Zero depreciation car insurance is a valuable add-on that ensures complete financial protection against repair costs. While it comes at a slightly higher premium, the benefits far outweigh the costs, especially for new car owners. If you want comprehensive protection without depreciation deductions, opting for zero depreciation cover is a smart decision.

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. 

Driving in India requires adherence to specific legal requirements, including carrying mandatory documents to ensure compliance with traffic laws and to safeguard against potential penalties. This blog outlines the essential documents every driver must have, ways to keep them secure, the consequences of non-compliance, methods for digital storage, and addresses frequently asked questions.

List of mandatory documents you must have

If you are driving on public roads in India, you should always carry the documents listed below. Not having any of these on your person can lead to heavy fines.

Registration certificate

This document acts as proof that you have registered your vehicle with a regional transport office. When you get a new car, you need to apply for registration at the regional transport office within 7 days of the purchase. A registration certificate is valid for 15 years, and can be renewed for a period of 5 years. The Motor Vehicles Act, 1988 makes having a registration certificate mandatory for all motor vehicles plying on Indian roads.

PUC Certificate

A pollution under control certificate proves that your vehicle meets the emission requirements defined for motor vehicles on Indian roads. If your vehicle does not meet the pollution control norms, it is not allowed to be driven on Indian roads. To get a PUC certificate, get your car tested at any of the authorised testing centres. You could find these at most petrol pumps.

Driving license

The Motor Vehicle Act also makes having a driving license mandatory for all driving a motor vehicle in India. You cannot get a permanent driving license on your first application itself. You would be issued a learner’s license to begin with, after a month of this you will have to appear for a driving test at an RTO. The license is issued only if you pass the driving test. Remember to carry it on your vehicle at all times. Driving license is also accepted as an identity proof by various organizations.

Insurance policy

All vehicles on Indian roads must be covered by at least a third-party car insurance. Further, a personal accident cover of at least Rs 15 lakh is a must for all driving on Indian roads. That said, it is advisable to get comprehensive car insurance for complete protection from any losses that can arise from an accident or damage to your car. You should always carry the certificate of insurance in your vehicle. The actual policy can be stored elsewhere.

Any other required permits

If you are driving a vehicle for commercial purpose, you should carry all required permits in your car as well. You may also need to have a certificate of fitness showing that the vehicle is fit to ride on public roads.

It a police official pulls you over any time, you should be able to provide the documents listed above. If you are missing any, you could not only face heavy fines but your vehicle may also be confiscated.

How to keep your documents handy and safe?

• Physical Storage: Keep all original documents in a waterproof folder within your vehicle's glove compartment to protect them from damage.
• Digital Copies: Utilise government-approved apps like DigiLocker and mParivahan to store digital versions of your documents. These digital copies are legally recognised and can be presented during inspections.
• Regular Updates: Set reminders to renew documents like the PUC certificate and insurance policy before they expire to maintain continuous compliance.
• Backup Copies: Maintain scanned copies of all essential documents in secure cloud storage platforms, ensuring access if loss or damage to physical copies.

Fines and penalties for not carrying required documents

Non-compliance with mandatory documentation can result in significant fines under the 1988 Motor Vehicles Act:

• Driving Licence: Absence of a valid driving licence can lead to a fine of ₹5,000.
• Insurance Certificate: Not possessing valid insurance attracts a ₹2,000 penalty for the first offence and ₹4,000 for subsequent violations.
• Registration Certificate (RC): Failure to produce the RC can result in a fine of ₹2,000.
• PUC Certificate: Driving without a valid PUC certificate may incur a fine of ₹1,000 for the first offence and ₹2,000 for subsequent violations.

How to digitally store and access your car documents?

Embracing digital solutions for document storage enhances convenience and reduces the risk of misplacing physical copies:

• DigiLocker: An initiative by the Government of India, DigiLocker allows users to securely store digital copies of essential documents. By linking your Aadhaar number, you can upload and access your driving licence, RC, and insurance papers anytime.
• mParivahan: This app provides access to digital copies of your vehicle documents and offers real-time verification services. It is widely accepted by traffic authorities across India.

Both platforms ensure that your digital documents are legally valid during traffic inspections, aligning with the government's push towards digital governance.

FAQs

1. What essential documents must be kept in a car while driving in India?

The following documents are mandatory for driving in India:

• A valid Registration Certificate (RC)
• A valid Driving Licence
• A valid Car Insurance Certificate
• A valid Pollution Under Control (PUC) Certificate

2. Are digital copies of vehicle documents acceptable?

Digital copies stored in government-approved apps like DigiLocker and mParivahan are legally recognised and accepted by traffic authorities.

3. What are the consequences of driving without valid insurance?

If caught driving without valid car insurance, you may be fined ₹2,000 for the first offence and ₹4,000 for subsequent violations, as per the Motor Vehicles Act.

4. Is a PUC certificate compulsory for all vehicles?

Every vehicle must have a valid Pollution Under Control (PUC) certificate to comply with emission standards and environmental regulations.

5. Where can I store digital copies of my car documents?

You can securely store digital versions of your vehicle documents in DigiLocker or mParivahan, both recognised by the Ministry of Road Transport and Highways.

6. Do private cars need a fitness certificate?

A fitness certificate is mandatory for commercial vehicles, but private cars typically do not require one unless specified under certain regulations.

7. How frequently should I renew my car insurance?

Car insurance should be renewed before its expiration date to ensure continuous coverage and avoid penalties. The renewal frequency depends on the policy duration.

8. What happens if I drive without a valid PUC certificate?

Driving without a valid PUC certificate leads to fines, and in some cases, your vehicle may be restricted from use until compliance is met. The penalty amount varies by state.

9. Can I drive alone on a road trip with a learner's licence?

A learner's licence does not permit solo driving. You must be accompanied by a valid licence holder while driving. Driving alone with a learner's licence is illegal and can result in fines.

10. Do I need to carry original documents while driving?

Yes, carrying original copies of your driving licence, vehicle registration certificate, insurance, and PUC certificate is recommended, as traffic authorities may require them for verification.

Conclusion

Following the legal requirements while driving in India is essential for a hassle-free experience and your safety on the road. Keeping all mandatory documents, like your registration certificate, driving licence, and car insurance, ensures you're always prepared. It's also important to renew your car insurance online on time to avoid penalties and ensure continuous coverage. If you've maintained a claim-free record, don't forget to check your NCB in car insurance, as it can help you save on premiums. Staying organised with your documents keeps you legally compliant and makes your journeys stress-free and safer.

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

A bike insurance policy is a crucial safeguard for your two-wheeler, protecting you against financial losses in case of accidents, theft, or damages. However, if your bike insurance expires, you risk losing this protection and may also face legal penalties. Most insurance providers have online facilities for policy renewal. It allows insurance subscribers to renew their expired motor insurance conveniently.

It cuts back on the time that is normally required for mandatory inspection by an authorised surveyor.

What happens when your bike insurance policy expires?

When your bike insurance policy expires, your vehicle is left uninsured, which means:

• You are legally liable for damages or injuries caused to third parties.
• You will not receive financial assistance for damages to your bike.
• You may face penalties if caught riding an uninsured vehicle.
• You may lose out on benefits like the No Claim Bonus (NCB), leading to higher premium costs.
• The renewal process may require a fresh vehicle inspection, increasing both time and effort.

Things to do when your bike insurance policy expires

If your bike insurance has expired, take the following steps immediately:

1. Avoid Riding the Bike – Using an uninsured vehicle can lead to hefty fines and legal trouble.
2. Check the Grace Period – Some insurers offer a grace period after policy expiry, allowing renewal without penalties.
3. Compare Policies – Use online platforms to compare various insurers and find a policy that best suits your needs.
4. Contact Your Insurer – Inform your existing insurer about the lapse and inquire about the renewal process.
5. Undergo Vehicle Inspection (if required) – If the grace period has passed, an inspection may be necessary before renewal.
6. Renew Immediately – Opt for a policy that offers comprehensive coverage and additional benefits.

How to renew expired two-wheeler insurance?

Renewing an expired bike insurance policy is simple and can be done online in a few steps:

1. Visit the Insurer’s Website – Log in to your insurance provider’s website or a trusted third-party portal.
2. Enter Vehicle Details – Provide your bike’s registration number, policy details, and personal information.
3. Select a Policy – Choose between third-party bike insurance and comprehensive two-wheeler insurance based on your requirements.
4. Review the Premium and NCB Benefits – If applicable, check if you are eligible for NCB benefits.

A process called Break-in is commenced by the insurer when a subscriber seeks renewal of an expired policy. In this procedure, the policy is issued based on successful investigation. Now, a new policy will be issued by the customers without manual investigation. The policy needs to be renewed by online payment through the website or mobile app.

The customer has to upload the self-inspection video on the Insure app as per underwriting guidelines. If the video is uploaded on a working day between 9 AM and 4 PM, the policy will be issued on the same day. The only prerequisites needed are recording in broad daylight with the device’s camera resolution to be 3 MP or above, and a high-speed internet connection for error-free upload. Use the feature to renew your bike insurance today. 

Documents required to renew an expired two-wheeler insurance policy

To renew your expired bike insurance, keep the following documents handy:

• Bike registration certificate (RC)
• Previous insurance policy details (if available)
• Personal identification proof (Aadhaar, PAN, or Driving licence)
• Address proof
• Vehicle inspection report (if required)

FAQs

1. Can I renew my bike insurance after it has expired?
   Yes, you can renew an expired bike insurance policy. However, if the grace period has passed, you may need to undergo a vehicle inspection before renewal.
2. What is the penalty for riding a bike without insurance?
   In India, riding a bike without valid insurance can result in a fine of up to ₹2,000 for the first offence and ₹4,000 for subsequent offences.
3. Will I lose my No Claim Bonus (NCB) if my policy has expired?
   If the policy is not renewed within 90 days of expiry, you may lose your accumulated NCB benefits.
4. Can I switch insurers while renewing my expired policy?
   Yes, you can compare policies and switch to a different insurer if you find a better deal.

Conclusion

Renewing an expired bike insurance policy is a hassle-free process when done online. Whether you opt for third-party or comprehensive two-wheeler insurance, ensure that your bike is always covered to avoid financial and legal troubles. Take prompt action, compare policies, and choose the right coverage to enjoy a smooth and secure riding experience.

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. 

Top 6 Trends Witnessed by Automobile Industry During The Pandemic

The COVID-19 pandemic wreaked havoc in the entire world since the start of 2020. The Governments of various countries, including India, were forced to implement strict lockdowns to keep the people inside their homes and control the spread of the deadly coronavirus. As a result, several industries faced severe financial slump which brought a global recession.

The Indian automobile industry too went through a very tough phase after the imposition of first lockdown in the country in March 2020. Sales figures started plummeting and inventories were mounting up for the manufacturers. As the revenues took a severe hit, the automobile sector in India went through its worst phase since 1997-98.

However, once the lockdown restrictions were eased, India’s automobile industry started emerging out of the headwinds. With rapidly increasing demand in the country for personal mobility, the sales figures started to rise once again, leading to a slow but steady recovery for the automobile sector post lockdown. ICICI Lombard allows convenient purchase and renewal of car insurance online as well as offline.

In the meantime, some ground-breaking trends were observed in various facets of the industry. Most of these trends got accelerated due to the pandemic and are now shaping the future of India’s automobile market. Let’s have a look at some top trends in automobile industry of India witnessed during the pandemic.

1. Rising preference for personal mobility

Covid-19 has changed the preferred mode of commute among most of the passengers in India. A survey by PGA labs revealed that almost 56% of people in India prefer to use a personal vehicle instead of public transport for their daily commute. This increased preference for personal mobility has led to an increase in demand for private vehicles and therefore for Motor Insurancetoo, as it is compulsory for all the personal vehicles.

2. Increasing penetration of alternative-engine powertrains

The alternative-engine powertrain has been garnering a rapid demand in the recent years, especially in the two-wheeler and three-wheeler segment. A substantial change has been noticed in the consumers’ perspective, with preference for alternative engine increasing to 49% in 2020 from 39% in 2019.

Moreover, as per a PGA labs survey, nearly 35% of car buyers are willing to pay a premium of more than ₹ 1 lakh for electric mobility. Further, favorable Government policies such as Fast Adoption and Manufacturing of Electric Vehicles (FAME-II), reduced GST rates on EVs etc., have also contributed towards an increased preference for electric vehicles among the consumers.

3. Increasing preference for connectivity features in vehicles

Though connectivity features in vehicles manufactured in India are yet to develop as compared to countries like Germany, Japan, and the USA, entry of global automotive OEMs in the Indian market has given rise to a new trend. Recent vehicles such as MG Hector, Kia Seltos, and Hyundai Venue have impressive factory-fitted connectivity features.

These cars have garnered the attention of the consumers, resulting in huge sales volumes. In the second half of 2020, Morris Garages sold 15,930 units of Hector, whereas Kia received more than 1 lakh bookings for Seltos within five months after its launch. This trend is expected to accelerate with the number of connected cars on Indian roads estimated to reach 1.7 million by 2022.

On some rare occasions, insurance companies reject car insurance claims from their customers. This is generally done when an insurer feels that the claim filed by its customer is not valid or genuine. In such a scenario, the insurance provider doesn’t pay for the damages to the insured car and the car owner must bear this cost out of his/her pocket.

Such a situation can be extremely stressful for any car owner as the repair bills can easily run into several thousand or even lakhs of rupees. Of course, you would never want yourself to be put in such a situation. But what if your car insurer rejects your claim even if you have all the genuine reasons to get it approved?

In this article, we will discuss some common car insurance claim rejection reasons and what steps you can take if an insurer rejects your car insurance claim. Read on.

Common Reasons for Car Insurance Claim Rejection

There are a number of reasons why your car insurance claim may get rejected-

Reason 1 – If your claim is found to be non-genuine

When you file a car insurance claim, your insurance provider appoints a surveyor to inspect the genuineness of your claim. The role of this surveyor is to inspect your car and the damages and determine whether it matches the accident’s narrative. If the surveyor feels that your claim is not genuine, he/she might reject your car insurance claim.

Reason 2 – Inability to produce the required documents

Another common reason for the rejection of motor insurance claims is the inability of the policyholder to produce the required documents. Usually, when a customer files a car insurance claim, insurance companies ask for some basic documents such as policy documents, a Registration Certificate (RC) of the car, FIR copy (in case of theft), driving licenses, Aadhar cards of the driver/owner, etc. If you’re not able to submit any of the documents asked by your insurance provider, your car insurance claim might get rejected.

Reason 3 – If you are found to be violating traffic rules when the accident happened

A car insurance policy provides coverage against unfortunate road accidents or natural calamities. However, it doesn’t cover the damages caused to an insured car if the driver or claimant is found to be violating traffic rules, including drinking and driving, driving without a valid driver’s license, making illegal modifications to a car, etc.

Reason 4 – Delay in filing the claim

An unnecessary delay in filing a car insurance claim can lead to its rejection. Usually, there is a deadline before which you’re required to inform your insurer about an accident and associated losses to get your claim approved. In case you fail to file your claim within this deadline, your car insurance provider might not consider your claim afterward. Therefore, it’s prudent to know about this deadline (which is usually 48 to 72 hours after the accident) and file your claim well within it.

Reason 5 – Non-renewal of car insurance policy

Insurance companies do not entertain claims made on lapsed policies. It may happen that you forget to renew your car insurance policy on time, and it expires. Now, if you meet with an accident and make a claim on your policy, it will be rejected by the insurer. Worse, your car will be considered as an uninsured vehicle and you may get fined by the traffic cops.

Reason 6- Using a private car for commercial work

If your car is registered with the insurance provider as a personal vehicle and you regularly use it for commercial purposes, this might lead to a denial of your insurance claim in case of a mishap.

Reason 7- Providing false information

Providing false or incorrect personal details while buying vehicle insurance is a major reason behind claim denials by the insurer. In some cases, people furnish incorrect information to get lower premium rates, which could raise a red flag for the insurance provider, who will mark the policy invalid.

Reason 8- Changes in vehicle accessories without informing the insurance provider

Whenever you make any additions or modifications to your vehicle, you need to inform the insurance provider before the renewal deadline of the policy. If you fail to do so or get any repairs done without the insurer's knowledge, chances are that your claim will be rejected.

Reason 9- If you were driving outside the specified geographical area

Some insurance policies provide coverage for accidents that happen within a geographical limit defined by them. Any mishaps occurring outside this radius are not covered by the insurance providers. Thus, it is advised to read all terms and conditions before buying car insurance online or offline.

Things to Keep in Mind While Claiming Car Insurance

If you need to claim your car insurance, keep these points in mind-

1. Have proof of damage: Keep photographs and additional details of the accident and the damages caused to your vehicle or third party. This is to be submitted to the surveyor sent by the insurance provider, to smoothen the claim process.
2. File an FIR for the accident: In case of mishaps involving major damages to your vehicle or the life and property of a third party, filing a police FIR is a must. Failure to do so may lead to rejection of the claim.
3. Do not repair the damages before informing the insurance provider: Do not get any repairs done without the knowledge of your insurer. According to the policy terms, the vehicle needs to be checked at the place of the accident. After the car has been inspected, send it to a network garage or any other repair shop and start the claim procedure.

Tips to Prevent Car Insurance Claim Rejection

Here are a few tips that will minimise the risk of claim rejection-

1. Always renew the policy before the deadline: Do not wait till the last date, and renew your car insurance before it expires to enjoy the benefits without a break.
2. Provide all necessary documents: Be prepared with all the originals and copies of the required documents to ensure your claim is not rejected due to incomplete documentation.
3. Read all terms and conditions: Go through your car insurance documents and familiarise yourself with all the policy clauses.

FAQs

1. What should I keep in mind while buying car insurance online?

Buying car insurance online is quite easy these days. However, it is advisable to compare the policies and choose the best one for your vehicle. Buy your car insurance from the official portal of a trusted insurance provider to avoid any complications in the future.

2. How to challenge a claim denial?

If you’re not satisfied by the claim denial, you can raise a dispute by writing to the Insurance Regulatory and Development Authority of India (IRDAI) and the Third-Party Administrator (TPA). After receiving your dispute letter, a tribunal court may be set up to decide whether the insurer should approve your claim or not, and how much compensation you should receive.

3. How to renew car insurance online?

Visit the online portal of your insurance provider and in the car insurance section, find “renewals” and provide your insurance policy number and other details. Follow the instructions and make the fee payment to confirm the renewal of your policy.

4. When does the car insurance become invalid after its expiry date?

A car insurance policy becomes invalid the moment it expires. So, if your policy has expired on 1 March 2025, it becomes invalid from the same date.

5. Can I renew my car insurance after its expiration without an inspection?

The need for a car examination depends upon the insurance provider. If the policy has expired for a long time, the insurer may insist upon an inspection before starting the renewal process.

Conclusion

Car insurance is an essential protection for your financial well-being, but the approval of a claim depends upon several factors. In this blog, we have mentioned the common reasons why an insurance claim may get denied and how you can make the claim procedure smoother. Keep your policy updated and have clear communication with the insurer by providing correct information and adhering to the terms and conditions of the policy. With the right approach, you can avoid the risk of insurance claims getting denied and enjoy the benefits of your car insurance policy.

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

Buying a car is like a dream come true for many. It provides them with a feeling of pride, luxury, and achievement. After all, a person spends a considerable chunk of his/her savings to buy a car and keep it in top condition. That is why every responsible car owner chooses to get financial security for his/her car with a comprehensive car insurance policy.

However, despite all the precautions you take for your car, you can never rule out the possibility of an unforeseen mishap such as fire, theft, road accident, etc. These incidents can either damage your car partially or can lead to its total loss, in which case you must mandatorily cancel your car’s Registration Certificate (RC).

Why Should You Cancel Your RC Before Scrapping Your Old Car?

In case of a total loss of a car, the insurance company pays the IDV to the car owner and sells the remains of the car to a scrap dealer. The scrap dealer then breaks down the remains of the car into small pieces and uses them for the purpose of recycling. After the car is scrapped, the car owner needs to get the registration certificate of his/her car cancelled.

As per Section 55 of the Motor Vehicles Act of 1988, it is the responsibility of the car owner to cancel the RC of his/her car after scrapping it. He/she needs to inform the RTO about the scrapping of the car within 14 days to get its RC cancelled.

Documents Needed for Vehicle RC Cancellation Online

The following documents are needed for the cancellation of vehicle RC online-

1. A declaration from the owner stating that the car is being demolished
2. Car insurance policy documents

In addition to these documents, you must have the payment receipt for the processing fee for RC cancellation. The fee amount and additional documents can differ from one RTO to another; thus, consulting the RTO officials at the beginning of the formalities is advisable.

Steps to the Cancellation of RC of Vehicle

Below are the steps by which you can cancel the RC of your car:

1. Click photos of your scrapped car
2. Get an affidavit stating that your car has been scrapped
3. Inform the RTO about the scrapping of your car
4. Submit all required documents to the RTO
5. The RTO will obtain a clearance certificate from your local police station
6. You will be informed about the cancellation of your car’s RC
7. The RTO will cancel your car’s RC, and you will be provided with a non-utilisation certificate for your car

Benefits of RC Cancellation of Your Car Before Scrapping It

Below are the reasons why it is beneficial to cancel your car’s RC before scrapping it-

Prevent its misuse by fraudsters

In case of a total loss of a car, it is sold to a scrap dealer and can never be used again by the owner. In case the RC of the car is not cancelled after it is scrapped, it can be used by criminals and fraudsters to give a new identity to a stolen vehicle and use it for illegal activities.

Prevent vehicle theft

When you fail to cancel your car’s RC, vehicle thieves get a chance to change the identity of a stolen vehicle by forging its engine and chassis number. As a result, they get motivated to steal more cars. However, such activities can be prevented to an extent by cancelling your car’s RC.

Avoid legal troubles

As mentioned above, it’s the responsibility of the car owner to get the RC of his/her car cancelled after its scrapping. In case you fail to do so, a fraudster can use your car’s identity for a car that’s used for criminal purposes. This may bring serious legal troubles for you in future.

FAQs

1. What is total loss of a car?

As per motor insurance terms, total loss of a car refers to a situation where it gets damaged to such an extent that it cannot be repaired again. Or, if the cost of repairing a car is more than its Insured Declared Value (IDV), the car is said to be in a state of total loss. In such cases, the insurance company pays the full IDV of the car to its owner and sells the car to a scrap dealer.

The total loss of a car can take place due to an unforeseen mishap, such as road accident, earthquake, flood, tsunami, fire, theft, etc.

2. What is the registration certificate of a car?

The Registration Certificate or RC of a car is an official document that is provided to the car owner after its registration. A car’s RC basically states that it is registered with the Indian Government and is, hence, fit to be driven on roads. It contains the unique registration number of a car, its engine and chassis number, name of the car owner, and the expiry date of the RC.

You can get your car’s RC either from the Regional Transport Office (RTO) where you’ve registered your car or you can download it from the Government’s “Parivahan Seva” portal.

As per the Motor Vehicles Act of 1988, a car insurance policy is mandatory for all motor cars running on Indian roads. As per the latest amendment to the act, driving a car without a valid car insurance policy can attract a penalty of up to ₹ 2,000 or imprisonment of up to 3 months or both. Hence, non-renewal of your car insurance in time can bring not only legal hassles but also financial risks.

However, purchasing or renewing your car is not that easy. You need to make a number of decisions such as the type of policy you want to purchase, the selection of add-on covers, choosing the insurance provider, etc. In order to make an informed decision, you need to be aware of the different terms and jargon related to car insurance policies.

One such term is the “Break-in Period” in a car insurance policy. In this article, we’ve tried to elucidate what exactly a break-in period in car insurance and why it is important for you to know about this term before buying a car insurance policy. Let’s get started.

What is a break-in period in car insurance?

A car insurance policy is an annual contract that needs to be renewed every year. If you look at the policy document carefully, you will find that the date from which the insurance cover came into effect and the date at which it will terminate is clearly mentioned in the document. To ensure legal compliance, you need to renew your car insurance policy before this expiry date.

However, due to your busy schedule, you may sometimes forget to renew your car insurance policy in time. And if you miss the deadline to renew the policy, even by a day, it results in a break in the policy. However, most insurers allow a 90-day grace period to renew your car insurance policy. By renewing your policy within this period, you won’t lose the No-Claim Bonus benefit. You may still have to go through car inspection depending on your insurance company policy.

The time period between the last date for the renewal of your car insurance policy and the date on which it is actually renewed is known as the “Break-in Period” of the policy. For example, if your policy renewal date is 1^st March and you renew your policy on 15^th April, then there will be a 45-day break in the policy, which will be known as the break-in period.

Your car insurance policy remains inactive during the break-in period and any financial or legal liabilities arising during this time will have to be borne by you.

Consequences of not renewing car insurance during the break-in period

It’s crucial to renew your car insurance policy on time and avoid any break in the policy. It’s because it can bring in several legal as well as financial hassles.

• No third-party cover

As per the Motor Vehicles Act, a valid third-party motor insurance cover is mandatory for every vehicle running on Indian roads. If you don’t renew your car insurance policy on time, it will leave you without third-party cover. And if you’re caught driving a car without a valid third-party insurance cover, you may be penalised with a fine of ₹ 2,000 by the traffic cops.

Moreover, if your car gets involved in an accident during this period and causes damages to a third party, you will have to bear the entire legal and financial liability out of your own pocket.

• No own damage cover

While an Own Damage (OD) cover is not mandatory, it is highly recommended for every car owner. It provides financial security to the vehicle against the damages caused by mishaps such as collision, theft, vandalism, fire, natural disasters, etc.

If you don’t renew your OD cover in time, your car will get exposed to financial risks and in case it meets with an accident, you may have to pay for the loss out of your own pocket.

• No-claim Bonus

No-claim bonus (NCB) is the benefit given by the insurance providers to the policyholders for every claim-free year. This benefit is given in the form of a discount at the time of policy renewal. If you fail to renew your policy within the due date, you stand a chance of losing your accumulated NCB. However, if you renew your policy within the maximum break-in period of 90 days, your NCB will be reinstated.

Myths about car insurance break-in period

Some of the myths about the car break-in period are:

• Myth 1: You can file claims during the break-in period.
  • Reality: The break-in period provides no active coverage; hence, claims cannot be made.
• Myth 2: Renewal premiums are always higher after a break-in period.
  • Reality: While some insurers may increase premiums due to risk factors, competitive options are still available.
• Myth 3: The break-in period is the same for all insurers.
  • Reality: The duration and policies regarding the break-in period vary across insurance providers.

Benefits of renewing car insurance on time

The advantages of renewing car insurance on time are:

1. Continuous coverage: This ensures that the car remains insured without any gaps.
2. Retention of No Claim Bonus (NCB): Timely renewal allows policyholders to retain their accumulated NCB in car insurance.
3. Avoids legal issues: Ensures compliance with motor vehicle laws.
4. Peace of mind: Reduces the risk of financial losses due to accidents or damages.

Disadvantages of a break-in period in car insurance

The demerits of having a break-in period are:

• Risk of uninsured damages: The owner will have to bear any repair or replacement expenses during this period.
• Higher premiums: Some insurers might increase the premium if a policy lapses.
• Tedious renewal process: Some insurers may require a fresh vehicle inspection during renewal, delaying the process.

How to renew car insurance during the break-in period?

Follow these steps to renew your car insurance during the break-in period:

1. Contact the insurer: Reach out to your insurer and inquire about renewal procedures.
2. Get vehicle inspection done: Some insurers require a vehicle check before policy renewal.
3. Compare plans: Consider switching to a better policy if the previous one doesn’t meet your needs.
4. Renew online: Most insurers allow you to renew car insurance online, following a quick and easy process.

FAQs

1. Can I drive my car during the break-in period?

No, driving without valid insurance is illegal and risky.

2. Will I lose my No Claim Bonus (NCB) if my policy lapses?

Yes, if you do not renew within the grace period, NCB benefits may be lost.

3. How long does the break-in period last?

It varies depending on the insurer but typically lasts a few days to weeks.

4. What is the grace period for car insurance?

The grace period in car insurance is the time frame the insurer allows to renew the policy without lapse or loss of benefits. It varies based on each insurance provider.

5. What is the penalty for expired car insurance?

If you are caught driving a vehicle without valid insurance, you may face a fine of ₹2,000 and/or a jail term of up to three months for the first violation. For a second offence, the penalty increases to ₹4,000 and/or up to three months of imprisonment. Remember that these penalties are subject to change based on amendments to the Motor Vehicles Act.

Conclusion

Renewing your car insurance policy before the due date is very important. By failing to do so, you not only expose your car to certain financial risks but also can attract legal punishment. If by any means, you forget to renew your car insurance in time, you must do so within the allowed break-in period, i.e. a maximum of 90 days from the policy expiry date.

Otherwise, you may lose out on the NCB benefit and may have to get your car re-inspected by the insurer. If you’re a person who tends to forget the policy renewal date, you can set a reminder on your smartphone or sign up with your insurer to receive notifications about the renewal date through e-mails and SMS alerts.

With ICICI Lombard’s car insurance policy, you can renew your policy online every time, without any hassles. Besides, we offer unique additional covers at a nominal extra cost that can significantly boost the coverage of your car insurance policy.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the 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. 

Holi, the festival of colours, is here and you must be excited about the joy and ecstasy it offers. This festival calls for splendid celebrations with vibrant colours, water balloons, and water guns. However, while we humans revel in Holi celebrations, our precious cars often become victims to the madness and mischief all around.

It is common for cars to get painted with blue, black, and red stains all around their bodies. Removing these Holi colours from cars can get really painful and burdensome. It gets even more stressful when the interiors of a car, including seat’s upholstery, dashboard, and floor mats get dirty and spoiled. Not only this, water ingress can even cause damage to your car’s engine and other mechanical parts.

In this article, we will discuss how to remove Holi colours from your car. We will also discuss how you can ensure your car’s paint stays protected during Holi celebrations. So, here are a few simple tips to keep your car safe and protected during Holi.

1. Park your car in a closed space and cover it

It might seem obvious, but you should make sure your car is not parked in an open space during the time of Holi. Anyone can throw the splashes of colours on your beloved vehicle and stain it badly. Hence, it’s prudent to park your car in a closed parking space and keep it covered using a car cover.

Make sure to cover your car completely, i.e. from its roof till the wheels. This will keep your car protected from colours, dirt and water during Holi celebrations. While buying your car’s cover, you should ensure that it’s of optimum quality and water proof.

2. Apply car wax or Teflon polish on your car’s body

Before you take your car out for a drive during this time, don’t forget to apply a coating of car wax or Teflon polish on its body. This will ensure your car’s paint protection even if it gets some colour stains. And not just that, applying Teflon coating on your car’s body will also protect your car from rusting and damages caused due to sunlight.

You can either buy car wax polish from a nearby auto shop and apply it yourself or you can take your car to a mechanic or service centre to get it coated with Teflon. Remember that applying wax polish is a cheaper option as compared to Teflon coating, but the latter is more superficial in quality.

3. Protect your car’s interiors with cling wraps or plastic covers

Remember that it’s not only the exteriors of your car that needs protection. It is equally important to protect the interiors of your car from getting stained or damaged. In fact, it is a difficult and stressful job to clean your car’s upholstery if it gets soiled. In case it gets damaged, fixing it can turn out to be a costly affair.

What you can do is use cling wraps or plastic covers to cover your car’s interiors, including its seats, dashboard, steering wheel, doorknobs, gear knob, headrests, and backrests. You can also use old clothes, bedsheets, towels, or curtains to cover the interiors of your car.

Owning a car is a special feeling. The connection between a person and his/her car cannot be described in words. In fact, many people love their cars just like their kids. Even a minor scratch on your car can give you a feeling of deep pain. However, just like other things in your life, your car too has a life span and one day you will have to part ways with it.

When you decide to purchase a new car and sell your existing vehicle, it can hurt you emotionally as well as financially. While nothing much can be done for the emotional pain, you can reduce your financial stress if you maintain your car properly. By keeping your car in a tip-top condition, you can fetch maximum value when you go out to sell your used car in the market.

Usually, the resale value of a car depends upon a number of factors such as the condition of its exterior as well as interiors, engine, tyres, mileage, and externally fitted accessories. In this article, we have listed a few simple tips that can help you maximise the resale value of your car. Continue reading.

1. Get your car serviced at least once every year

It’s very important to take your car for regular service at an authorised service centre in frequent intervals. Ideally, you should get your car serviced at least once every year. While giving your car for servicing, do not forget to ask the mechanic to change all necessary things such as oil filter, air filter, AC filter, engine oil, and gear oil.

This will keep your car running in perfect condition without any mechanical issue. Such a car will be the preferred choice of second-hand car buyers. Hence, you will be able to negotiate well for its price when you sit down with a buyer to sell it.

2. Wash the exteriors and clean the interiors regularly

Cleaning and washing your car regularly is very important to keep its shine or gloss intact. This will create a strong first impact of your car in the minds of prospective buyers. If possible, you should wash your car at least once every week. Moreover, if you park your car in an open garage, you should wash it more often (two to three times a week).

Equally important is to clean the interiors of your car. Interiors of a car include seat’s upholstery, dashboard, steering wheel, gear knob, and floor mats. To clean the interiors of your car, you can buy a good quality vacuum cleaner and do it yourself or you can avail the services of the professionals.

3. Replace the tyres when required

The tyres are one of the most important components of a car. They separate your car from the road and help in maintaining a firm grip with it. While assessing the value of your car at the time of resale, the buyers will surely look at its tyres. A dull and worn out pair of wheels may create a bad impression and bring down the resale value of your car.

Ideally, you should change your car’s tyres after every 40,000 kilometres. If you drive in rough conditions, you may even have to do it even earlier. Replacing the four tyres of your car may cost you somewhere around ₹ 10,000 to ₹ 15,000. However, it will help you fetch a much better deal when you opt to sell your car.

Though a valid third-party insurance policy is mandatory for all vehicles in India, compliance to this law was found to be very low in 2018. As per a Supreme Court Committee’s report of March 2018, only one out of three vehicles in India was found to have a third-party liability cover. The report also mentioned that about 40% of cars that are more than three years old remain uninsured in India.

In order to reduce the number of uninsured vehicles on road, the Honorable Supreme Court of India gave a landmark order in July 2018, making it mandatory for all cars and two-wheelers sold on or after 1^st September 2019 to have a long-term third-party motor insurance cover. The duration for this mandatory long-term coverage was 5 years for two-wheelers and 3 years for four-wheelers.

In August 2018, the Insurance Regulatory and Development Authority of India (IRDAI) directed the motor insurance companies to comply with the Supreme Court’s order and start offering long-term insurance plans for all vehicles sold after 31^st August 2019. Also, it asked the insurers to offer bundled plans that can provide long-term coverage for both – third-party liability as well as own damage.

As a result, vehicle buyers were offered three choices –

1. 3-year third-party cover
2. 3-year third-party and 1-year own damage cover
3. 3-year third-party with 3-year own damage cover

Customer ease is always the top priority at ICICI Lombard. As part of this effort, ICICI Lombard has launched a facility called InstaSpect, the mobile self-inspection feature that eliminates the need for physical inspection of cars. ICICI Lombard customers can now record a video of their car on their mobile phones as per the guidance provided in the ‘Insure’ app. This facility saves customers the hassle of having to wait for a surveyor to visit and carry out the physical inspection.

Inspection is mandatory when a motor insurance policy lapses and it causes delay in issuance of renewed policy. Normally, the insurer initiates a process called ‘Break-In’ when a customer applies for renewal of a lapsed car insurance policy. In this process, an inspection by authorised surveyors is carried out and the policy is issued based on satisfactory inspection. However, with the ‘Mobile Self Inspection’ feature, the time taken for renewal of lapsed policy reduces to a few hours from 2-3 days. This feature has made renewal of lapsed policy an easy-going and stress-free process for customers. Customers of other insurance companies who want to make a shift to ICICI Lombard can also use this feature.

For using the ‘Mobile Self Inspection’, a customer needs to have an internet connection; mobile phone with 3 MP or above camera resolution and the video of the car must be recorded in broad daylight. The app also contains a demo video for step-by-step guidance of the ‘Mobile Self Inspection’ process. After making payment for renewal of car insurance policy the customer is prompted to upload the self-inspection video via the mobile app.

During the current pandemic situation, buying an online car insurance policy is the best option as you need not step out of your home for that.

It's imperative to renew your car insurance policy before its expiry date. Failing to do so can not only land you in legal trouble but also expose you to losses like car theft and damages. As per the Motor Vehicles (Amendment) Act of 2019, driving an uninsured vehicle in India can attract a penalty of ₹ 2,000 or imprisonment of up to 3 months or both.

However, car insurance renewal may not be easy and straightforward as you think. The biggest obstacle during the current pandemic situation is moving out of your house and visiting the insurer's office to get your policy renewed. Also, the lack of options means that you may have to remain stuck with your current insurer even if it is demanding an unreasonably high premium.

All of these problems can be nullified by opting for car insurance renewal through the online method. For online car insurance renewal, all you have to do is visit your preferred insurer's website, enter your car's details, and pay the premium amount via an online payment method. Below are the reasons which make online car insurance the best option right now.

Convenience of buying from home

The most notable advantage of online car insurance renewal is that you can do so from the convenience of your home. You are not required to step out of your home to visit the insurer's office in order to get your policy renewed. All you need to do is visit your preferred insurer's website and renew your car insurance policy by paying the premium through an online method.

This will protect you from the hassles of visiting the insurer's office physically and will also help you in minimising contact with other people during the current pandemic situation.

Minimal paperwork

Online car insurance renewal involves minimal paperwork. In fact, at ICICI Lombard, you can buy or renew online car insurance policies with no physical documentation. To buy an online car insurance policy, you simply need to fill and sign the proposal form digitally, and choose your desired coverage/add-ons, and make the payment online.

Moreover, the soft copy of your policy document will also be sent to you on your registered e-mail id or WhatsApp number. As a result, you will not only keep yourself protected from the possibility of Covid-19 infection but also ensure that your car is covered.

No need for an insurance agent

By opting for the online route for your car insurance renewal, you can purchase the policy directly from the insurance provider without taking help from an agent or broker. This way, your insurer will save on the brokerage charges it may have to pay to the agent otherwise, and hence, offer a reduced quote for your car insurance renewal.

In case you come across any doubts or jargons while purchasing motor insurance, you can ask us on the chat feature or give us a call at 1800 2666. We're available to solve your queries.

Instant policy issuance

When you buy a car insurance policy online, the policy is issued almost instantly. After paying the premium amount, the policy document is sent to you on your registered e-mail id within a few minutes. It means that, unlike the offline policy, you won't have to wait for days to receive your car insurance policy when you buy it online.

This is because the insurers take no time to issue online car insurance policies. There is no lengthy paperwork as the documents are verified through a computerised process.

With ICICI Lombard's voice bot service, you can register your car insurance claim instantly, right from the accident spot.

Modern advancements in terms of technology have made everything easy and digitised. More and more people are getting increasingly familiar with voice assistants such as Siri, Alexa, Google assistant etc. and are demanding such voice-enabled automated solutions to all their problems. In fact, as per Google's voice search demographics, almost 27% of the global population with internet access prefer using voice search technology.

Almost all progressive brands have begun to offer quick and personalised solutions to their customers' queries in chatbots and voice bots. Taking a step ahead in aligning with this trend, we, India's leading private sector insurance company, have launched a unique voice bot service, allowing customers to register their motor insurance claims through a voice call instantly.

Continue reading to know more about this unique facility and how you can make the best use of it.

What is ICICI Lombard's voice bot facility?

As mentioned above, our voice bot facility will allow two-wheeler insurance and car insurance policyholders to register their claim in the wake of an accident instantly. The voice bot service is a highly advanced technological solution, and it works on state-of-the-art speech recognition capabilities to recognise long narratives by the policyholders.

Customers can use this unique facility through their smartphones as well as feature phones. This facility has been tested to ensure it works well even with high ambient noise and with different voice accents.

What's unique about this facility?

A comprehensive car insurance policy protects a vehicle owner against the losses or damages suffered by his/her vehicle during an accident or mishap. However, registering a car insurance claim may seem to be a long and tedious process. A policyholder is required to contact the insurer, submit the relevant documents and wait for the surveyor to get his/her claim passed.

However, with our voice bot facility, registering motor insurance claim has become easy like never before. All the customer needs to do is make a call from the accident spot and follow the instructions. This will protect the policyholder from the hassles of visiting the insurer's office, filling up a claim form, and waiting for a prolonged period to get his/her claim registered.

This voice bot facility is currently available in English and will soon be available in Hindi, Tamil, and other regional languages. This is to provide a technology-enabled facility that helps the majority of Indians to interact with the bot in their native language.

After the launch of this unique service, our Chief of Service, Operations and Technology – Mr. Girish Nayak – said, "At ICICI Lombard, we strive to be at the forefront of harnessing technology for the benefit of our customers. In line with this approach, we are happy to have unveiled our Voice Bot activated motor insurance claim approval solution. In the new hybrid world, where contactless solutions are the norm, this service will empower our customers to register their motor claims instantly and from the safe environment of their home."

Want to make a motor insurance claim, but not sure how it works? We're here to help! To get your insurance benefits in case of accidental damages, you need to know the right process of filing a claim. It is a simple and straightforward affair if you have insured your car with us.

Before we explain the insurance claim process, let's take a look at the two major types of motor insurance claims:

• Third-party claim – If you damage any third party or their property with your car, then the damages will be covered under a third-party claim. In this case, your insurer will cover the losses to the third party.
• Own damage claim – If your own vehicle is stolen or damaged in an accident, you can make an own damage claim. In this type of claim, your insurer will cover losses to your vehicle. Your car must be covered by a package policy (comprehensive policy covering both third party and own damage covers) to make this claim.

Whether you're filing a third party car insurance claim or an own damage claim, you need to contact your own insurer at the time of accident or theft. You'll then be directed correctly for the next steps – be it heading to a garage, furnishing specific documents, or filing an FIR at the police station.

How to file a motor insurance claim

When you've insured your vehicle with us, you'll find claiming is simple and hassle-free. We’ll assist you with the entire insurance claim process, so that you can rest easy.

Let's take a look at the step-wise process for filing a motor insurance claim with us:

Step 1: Call us on our toll-free number - 1800 2666 - immediately after the incident.

Step 2: Share the circumstances of the event (accident, breakdown, theft, etc.) with our customer relationship team.

Step 3: To help us survey the extent of damage to your vehicle, use the InstaSpect feature on our IL Take Care app. The app is available for download on the Play Store and App Store. You can also track your ICICI Lombard claim status on the app.

Step 4: If your car needs repairs, we'll arrange to pick up to the nearest preferred partner garage.

Step 5: Once your car is repaired, we settle the bill directly with the garage (in case of a cashless garage). You can pay your share of the amount and take possession of your vehicle.

And that’s it! If you’ve opted for our car insurance with Garage Cash cover, we’ll also provide a daily allowance while your car is at the garage. You can use this allowance to pay for auto or taxi fare till your car is back.

Apart from the toll-free number mentioned above, you can also contact us through several other modes:

• Lodge a claim on our website or app
• SMS "CLAIM" to 575758
• Write to us at customersupport@icicilombard.com

Updated on 10-04-2025

Driving brings a sense of exhilaration to most people, especially beginners. It is a life skill that every adult seeks to learn and is extremely useful in our everyday lives. However, carelessness and adventurism while driving can affect the safety of the driver and other vehicles and people on the road.

Tips for Driving a Car for the First Time

To keep you safe, we have listed down 10 crucial car driving tips and techniques which every beginner must learn to ensure a smooth and safe driving experience.

1. Get familiar with your car

You should be acquainted with your car's basic layout before you take it out on the road. While no one learns it in a day, you should at least have the theoretical knowledge. For example, knowing the basics; how to use the buttons on the steering wheel and dashboard, how to place the jack, fuel tank capacity - these are some things that every driver should know.

You should also set your mind for driving your car's category; hatchback, sedan or SUV, as each class has some peculiarities associated with it. For instance, some people consider it challenging to manoeuvre and park SUVs. You should be aware of the vehicle's challenges to avoid any panic while driving.

2. Wear the seat belt

All car drivers must wear their seat belts all the time while driving. Whether you're a beginner or a pro, you should follow the habit of wearing the seat belt right while driving a car.

According to a study, almost 75% of car users in India do not wear seat belts while driving, resulting in 15 deaths every day. Not only is it mandatory, wearing a seat belt is an effective way to reduce the possibility of severe injuries in the unfortunate event of an accident or collision.

3. Check and make adjustments before driving

Make sure to adjust your seat, mirrors and steering wheel in the right position before setting off on your drive. You may see people making such adjustments while driving, but as beginners, it is best to make these adjustments beforehand to ensure that you have a comfortable and safe drive.

4. Keep both your hands on the steering wheel

As a beginner, you should not opt for driving with a single hand. It's best to keep your car in control by having a steady grip on the steering wheel with both hands in the' 10-and-2' position or '9-and-3' position.

These are popular techniques for holding the steering wheel, which beginners find comfortable. However, these are not the only techniques and eventually, what matters is the hand-positioning which gives you the maximum ease and comfort.

5. Maintain moderate speed

As a beginner, you should always maintain a moderate or slow speed. While high speed gives an adrenaline rush, remember that you may not be able to handle a car at high speeds in the beginning. You may face difficulty controlling the car if some object or person instantaneously appears before your vehicle, which may cause an accident.

6. Use signal indicators

Car indicators help you communicate with other drivers while driving. Make it a habit to use turn indicators well before switching lanes, going past other vehicles, and making a halt on the main roads. It warns the other car drivers to adjust their speed and gives you the space to make a turn safely.

7. Avoid distractions

You should avoid using your phone or paying attention to any other activity while driving. Mobile phone distractions are already a significant cause of road accidents and endanger you and other people on the road. If you have to take a phone call while driving, park your car at an appropriate spot and then speak. Also, avoid using earphones while driving.

8. Be confident and calm

The most important driving tip is to be confident and calm while driving. It is natural to be a bit nervous while driving as a beginner, but that should not affect your morale while on the road. A panicked mind can prove to be dangerous for you as well as others. Drive only those distances you can safely cover initially. It would help if you gradually increased the travelling distance once you're confident about your driving skills.

  9. arry your license and insurance documents

While driving a car, you should always carry your driving license and other car-related documents, like the registration certificate and a valid motor insurance policy. If caught without these documents, you will be penalised. No one ever wants to be punished for such avoidable mistakes, least of all at the beginning of their driving experience.

10. Never drive under stress

As a beginner, you need extra focus to get accustomed to the traffic and roads. While driving, split-second decisions can either keep you safe or put your life in jeopardy. Stress can throw you off balance and hamper your concentration and judgement capabilities, making you vulnerable to misjudgements and accidents. Thus, it is best to avoid driving when under stress or when you're in a disturbed mood.

How to Drive a Car: A Step-by-Step Guide

Here is a simple guide for those learning to drive a car-

1. Starting the Car:

• Manual Transmission:

• Ensure the gear stick is in neutral.
• Press the clutch pedal fully.
• Turn the ignition key to start the engine.

• Automatic Transmission:

• Ensure the gear lever is in 'P' (Park).
• Press the brake pedal.
• Turn the ignition key to start the engine.

2. Moving the Car:

• Manual Transmission:

• Press the clutch pedal and change into first gear.
• Gradually release the clutch while gently pressing the accelerator.
• As the clutch engages (the 'bite point'), the car will start moving.

• Automatic Transmission:

• Press the brake pedal and shift into 'D' (Drive).
• Release the brake and gently press the accelerator to move forward.

3. Steering and Turning:

• Hold the steering wheel with both hands at the '9 and 3' positions.
• Use smooth, controlled movements to steer.
• Signal your intentions using indicators well before making a turn.

4. Stopping the Car:

• Manual Transmission:

• Press the clutch pedal and move the gear stick to neutral.
• Gradually apply the brake to come to a smooth stop.

• Automatic Transmission:

• Release the accelerator.
• Gradually apply the brake to stop.

5. Parking:

• Manual Transmission:

• After stopping, shift into first gear or reverse to prevent rolling.
• Engage the parking brake.

• Automatic Transmission:

• Shift into 'P' (Park).
• Engage the parking brake.

Tips for Driving a Manual Car

Here is how to operate a manual transmission car:

1. Master the Clutch: The clutch pedal controls the connection between the engine and the wheels. Practice finding the 'bite point' where the car begins to move. Smooth clutch control prevents stalling and ensures a comfortable ride.
2. Gear Shifting: Learn the appropriate speed ranges for each gear. Upshift as the engine revs increase and downshift when slowing down to maintain engine efficiency.
3. Hill Starts: Use the handbrake to prevent rolling backward on inclines. Disengage the handbrake as you simultaneously release the clutch and press the accelerator to move forward.
4. Anticipate Stops: When approaching a stop, downshift through the gears to use engine braking, which can reduce wear on the brake pads.

Tips for Driving an Automatic Car

To operate an automatic transmission car, follow these tips:

1. Understand Gear Positions: Familiarise yourself with the gear positions: 'P' (Park), 'R' (Reverse), 'N' (Neutral), and 'D' (Drive). Some cars also have 'L' (Low) or 'S' (Sport) modes for specific driving conditions.
2. Use the Right Foot Only: In automatic cars, use your right foot for both the accelerator and brake pedals. This practice prevents accidental simultaneous pressing of both pedals.
3. Creeping Forward: Automatic cars tend to move slowly when in 'D' without pressing the accelerator. Use this feature for manoeuvring in tight spaces or during heavy traffic.
4. Parking: Always shift to 'P' when parking and engage the parking brake to prevent the car from moving.

Safety Tips To Consider When Driving A Car For The First Time

In addition to learning basic driving tips, understanding safety measures is crucial. Here are some key precautions:

• Always indicate using turn signals before changing lanes or making a turn.
• Follow traffic regulations strictly to prevent accidents.
• Wearing a seatbelt is legally required in India and essential for your safety.
• Do not drink and drive, as alcohol is known to have adverse effects on judgment.
• Use the horn sparingly and avoid unnecessary honking.
• Yield to pedestrians and smaller vehicles to ensure road safety.
• Maintain a safe distance from the vehicle ahead to allow enough reaction time.
• Make sure your car is insured before driving, and consider Comprehensive four-wheeler insurance for extensive coverage.

FAQs

Q1: How long does it take to learn to drive?

A: It varies from person to person, but with consistent practice, most beginners become comfortable within a few weeks to a few months.

Q2: Is it harder to drive a manual car than an automatic?

A: Manual cars require more coordination with the clutch and gear shifts, making them slightly more challenging for beginners. However, with practice, it becomes second nature.

Q3: What should I do if the car stalls?

A: Stay calm, shift to neutral, restart the engine, and try again. It's common for beginners, especially in manual cars.

Q4: Can I learn to drive without a driving instructor?

A: While you can practice with a licensed driver, professional instructors provide structured lessons and expert tips.

Q5: Which car insurance is the best?

A comprehensive four-wheeler insurance policy is an ideal choice for considerable coverage. You can also pick add-ons according to your needs and car type.

Conclusion

Learning to drive is a rewarding journey that opens up new opportunities and independence. Following the above-detailed tips and practicing regularly will build the confidence and skills needed to become a safe and competent driver.

You may also consider opting for a comprehensive car insurance policy as it provides cover for a host of unfortunate events, such as car theft, dents or damages due to a collision, and natural disasters, among several more benefits.

Always conduct in-depth research before selecting a motor insurance policy. You can purchase a car insurance policy at reasonable premiums from ICICI Lombard by simply generating a quote here.

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

The used car market in India has seen exponential growth over time. In the last few decades, the stereotypes around buying a used car dissolved in practical reasoning. This gave way to the boom of the used car market, which is currently 1.3 times the size of the new car market in India. While buying a used car, one of the chief concerns a buyer has is surrounding the car insurance policy ownership. In this article, we've tried to address this topic by answering the possible questions you may have about used car insurance. Let's get started.

Why do I need car insurance?

According to the Motor Vehicles Act, every motor vehicle plying on Indian roads must have a third-party motor insurance policy. Driving any car – old or new – without a valid car insurance plan is illegal and punishable by law. Apart from the legal obligation, there are other vital reasons to procure car insurance.

• Coverage against risks: A comprehensive car insurance policy for used cars acts in the same way it does for new cars. When you buy a second-hand car, you should get it insured to protect it from all sorts of risks and adversities. Not that it nullifies the chance of a mishap, but it covers the expenses you may incur afterwards.
• Road accidents: Should a car ever meet with a road accident; car insurance covers damages to the vehicle and death/permanent disablement of the owner-driver. It also covers any third-party liability that may arise due to the collision.
• Natural calamities: A comprehensive car insurance policy will cover any damage caused to your car by natural disasters like earthquake, storm, flood, volcanic eruptions etc.
• Third-party liabilities: If your car collides or causes damage to a third-party due to negligent driving, you are required to pay for the damages out of your pocket unless you have a valid third-party third-party car insurance policy. With car insurance, the insurer will take care of all the expenses you owe to a third party.
• Security against car theft: If you happen to lose your car or if someone steals it, you can claim cover under your car insurance policy. Your insurer will compensate you for the car's value, according to the Insured Declared Value (IDV) fixed at the time of policy purchase.

So, what happens to my second-hand car's insurance?

Suppose you have bought a used car with a valid car insurance policy. In that case, you need to transfer the insurance policy in your name when you transfer the used car's ownership. Some people transfer the policy in their names while some opt for a new car insurance policy altogether. Whatever the case is, there is only a 14-day window to transfer a car insurance policy ownership. To transfer the car insurance policy of a used car, you need these documents –

• Original Registration Certificate (RC) with the new buyer's name
• Forms 29 and 30 that bears the signature of the previous owner
• Certificate of insurance
• A copy of the car policy
• The transfer fee and the transfer of registration certificate
• New proposal form
• New copy of the registration certificate
• Old policy document
• No Objection Certificate (NOC) from the previous policyholder
• No Claims Bonus (NCB) difference amount, if there is any

Now, if you are not lucky enough to have an existing car insurance policy on the second-hand car, don't fret. You can always buy a new car insurance policy for your used car.

How do I buy car insurance for a used car?

The process of renewing car insurance or buying new car insurance online is pretty straightforward. First, you need to read about the policy and learn its inclusions/exclusions. You can head to our car insurance page on ICICI Lombard, one of India's reliable insurance providers.

To get used car insurance online, you need to visit our car insurance page and –

• Enter your mobile number
• Enter your email address
• Enter your used car's registration number
• Click on the 'Get Quote' button

Consider performing a proper car inspection before buying a car insurance policy. You may be required to furnish the report of the car inspection done by a professional. You should also check the previous insurance claim history.

The No Claim Bonus (NCB) on a car insurance policy often creates confusion for the new owner of a used car. NCB is the insurer's reward to the policyholder for not making any claim during the policy year. People often mistakenly think that they are entitled to NCB benefits as the new policyholder of a used car insurance policy. However, the NCB benefit is for the previous policyholder only. The newest owner of the car is not entitled to any of the NCB benefits.

Things to keep in mind for a seamless used car insurance transfer

To ensure your car insurance transition is smooth and hassle-free, keep these points in mind:

• Initiate the transfer quickly: Try to get the insurance transferred to your name within 14 days of purchase.
• Verify claim history: Ask the previous owner about past claims, No Claim Bonus (NCB), and policy details.
• Update the RC: Ensure the car’s Registration Certificate (RC) is updated with your name to avoid issues during claim settlement.
• Check coverage gaps: If the existing policy is basic, consider upgrading to a comprehensive plan for better protection.
• Inform the insurer: Communicate with the insurance provider about the ownership change and follow their process for transfer.

Conclusion

Be it a used car or a brand-new one, a car insurance policy is crucial. It provides financial security against the expenses you may incur due to an unforeseen car accident. It is also mandatory to have a valid third-party car insurance policy to drive your car on Indian roads.

It's important to note that a third-party car insurance policy can only save you from getting penalised by traffic officers. A comprehensive car insurance policy does the same, but it additionally covers damages to your own car in case of a mishap. Protect your second-hand car from risks and adversities with a comprehensive car insurance policy today.

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 2019, the central government declared a 'war on air pollution' and launched the National Clean Air Programme (NCAP). The programme aims to reduce pollution by 20 to 30 per cent by 2024.

What exactly is PUC?

Every car that runs on petrol or diesel emits smoke. If periodic checks aren't conducted to keep this in control, it could lead to massive air pollution. This is where PUC certification comes in.

Basically, the PUC Certificate is the legal record of a vehicle's pollution levels. The certification mark is provided to vehicles that successfully undergo the PUC test. It shows that the vehicle's emission is within permissible levels and follows all the standard norms. The Indian government's Central Motor Vehicle Act of 1989 has mandated the PUC Certification, which means every vehicle must have a valid PUC.

Cost and validity

• The cost of the PUC test is minimal. Based on the vehicle and fuel type, it varies from ₹60 to ₹100.
• When you buy a new car, it comes with a PUC certificate, which is usually valid for one year.
• Once this period is over, you have to take the vehicle for periodic checks. New certificates are issued each time, and the older one is then nullified.
• A new certificate comes with six months' or one year's validity, if and only if the reading is within limits. If the reading fluctuates, the certificate's validity is decided based on that reading.

Contents of the PUC certificate

Following are the contents of the certificate:

• A serial number that helps the testing centre monitor when your car went through the test.
• The car's registration number.
• The date on which the test was taken and the expiry date.
• The actual PUC test reading.

It’s crucial to identify and address winter car problems at the earliest.

A dip in the mercury doesn't affect just you, but also your car. During winters, your vehicle is likely to face several mechanical problems, as its metal tends to shrink. Therefore, you must take precautionary measures and be prepared to deal with problematic situations. Read on to know some common winter car problems and how to overcome them.

Thickening of fluids

In places where the temperature reaches sub-zero levels, car fluids such as oil, anti-freeze, etc., tend to become less viscous. As a result, they become less mobile, and their free flow is restricted. This can hamper your car's performance.

To avoid this, it's advisable to leave your vehicle's engine running for at least 10 to 15 minutes for fluids to warm up. It's also a good idea to change fluids before winters' onset to maintain recommended fluid levels.

Dead battery

This is one of the most widely experienced winter car problems. A dip in temperature below the freezing point overworks the battery, causing it to falter. Also, since a lot of energy is soaked from the battery to power different systems such as car heater and fog headlights, the same is likely to diminish its performance.

A vital step in winter car care involves buying a new battery before the onset of the cold if the current one is already 4 to 5 years old. If you don't intend to do so, do check if the present one can last through the season.

Failure of wiper

This problem happens because of the failure to clear the windshields before starting the wipers. During cold weather, wipers freeze to the windshield, and when they are turned on, the blades may tear. Also, as these blades are made from rubber, pressure from ice or snow can break them.

During winters, one of the basic car maintenance tips is to turn your vehicle's fan controls and heater on. Also, if you live in a place where temperatures drop significantly, consider installing high-quality beam winter wiper blades.

Freezing of fuel lines

Another common winter car problem - your vehicle's fuel line may freeze because of condensation forming in the gas tank. The problem amplifies when you are running low on fuel, and cold temperature may prevent the fuel from reaching the car's engine.

One of the most important winter car care tips to overcome a frozen fuel line is to park your vehicle in a warm area. If you can't find a warm garage, you can place an electric heater near the fuel lines to warm it up. Avoid using an open flame heater if you are using this method, as it can result in an accident.

Failure of starter motor

The starter motor helps start your car. During winters, the motor has to work hard to turn the engine on, which puts a lot of stress on it, causing it to fail. While there's nothing much you can do about it, you must continuously avoid cranking the engine.

Give it a minimum of 25 to 30 seconds to get started. It's also advisable to check for corrosion on the starter terminals and ensure proper insulation from moisture. To prevent starter motor failure, keep the engine in top shape and check out for any unfamiliar sound while starting your vehicle.

Fluctuation of tyre pressure

A dip in temperature also results in the fluctuation of your car's tyre pressure. Pressure fluctuates because air when cooled contracts. With a drop in mercury levels, individual molecules take up less space within the tyre. As a result, they exert less force on the walls of the tyres.

Therefore, you must always check the tyre pressure indicator before starting your car and ensure it's up to the mark. Note that low tyre pressure can also result in a complete blowout during driving, causing an accident.

Cracking of alternator belt

An alternator belt is responsible for charging the battery that powers all the electronics in your vehicle. During winters, the alternator belt cracks and a faulty alternator causes electrical and battery issues.

As fluids thicken, it takes more time for the alternator to charge the battery, and this might cause it to crack. If you get to hear a high-pitched sound while starting your car, then it's an indication of a worn alternator. For a smooth ride, do inspect the alternator and get it replaced immediately if it's faulty.

Corrosion of spark plugs

A car's spark plugs ignite the air-fuel mixture. During winters these plugs, which are mostly made of ceramic, crack. Corroded spark plugs will reduce the efficiency of your vehicle, and they also cause starting problems.

As part of your winter car care, check these plugs before the cold season and get them changed if they are faulty. If you find a drop in acceleration, then it's an indication of faulty plugs.