First, let’s learn about third-party car insurance before you explore its coverage.

What is third-party car insurance?

This insurance is a fundamental component of car insurance coverage. An insurance policy provides financial protection to the policyholder against claims made by third parties in the situation of an accident or damage caused by the insured vehicle. Unlike comprehensive car insurance, which covers a wide range of risks, this car insurance is more limited in scope. It covers the policyholder’s liability for injuries or property damage inflicted upon others. However, it’s essential to understand what third-party car insurance covers.

Third-Party Insurance Coverage

Most people don’t know about the coverage of their car insurance. If you are also wondering does third-party insurance covers car damage, you can take a look at the list of coverage below:

Liability Coverage

Third-party car insurance primarily offers liability coverage. It includes Bodily Injury Liability (BIL) and Property Damage Liability (PDL). BIL covers medical expenses, rehabilitation and legal fees if you injure someone in an accident. In comparison, PDL covers repairing or replacing third-party property (e.g., another person’s car, a fence or a building) damaged in an accident.

Legal Protection

Third-party car insurance provides legal protection by covering the cost of legal defence if you get sued due to an accident.

Coverage for Other Drivers

This type of insurance extends to other drivers listed on your policy, such as family members, if they are driving your insured vehicle with your permission.

Periodically altering the position of each tire on your vehicle constitutes tire rotation, an essential part of regular car maintenance. This practice is typically recommended by the manufacturer or at a 5,000-mile interval, often coinciding with routine oil changes. Now that you understand what tire rotation is in a car, let’s explore why it is required. As a car owner, ensure your car insurance is renewed on time.

Why Is Tyre Rotation Required?

Understanding why tire rotation is required helps car owners extend the lifespan of their tires, enhance fuel efficiency and maintain a safer driving experience. Here, we’ll delve into the reasons behind the importance of tire rotation and its impact on overall vehicle health.

Here are the reasons:

1. The significance of tire rotation lies in its ability to ensure even wear across all four tires. This maximises their tread life. Different positions on a vehicle demand varied levels of torque and friction from each tire. For example, in front-wheel-drive vehicles, the front tires bear the brunt of turning, accelerating, and braking forces.

Rotating the tires ensures an even distribution of wear, maintaining the car’s safety and performance.

2. Tire rotation is more important when dealing with new tires. The deep treads of new tires are more susceptible to uneven wear within the first 5,000 miles. Tire rotation ensures even tread wear. This then maintains uniform tread depth across all tires. This uniformity contributes significantly to consistent traction and handling. This enhances overall safety during cornering and braking manoeuvres.
3. For vehicles equipped with all-wheel-drive systems, evenly worn tires are important to minimise stress on the drivetrain. Even tires reduce wear on expensive drive components. Hence, tire rotation ensures the longevity of critical vehicle systems.
4. Regular tire rotation promotes even tread wear and allows for visual inspection. It enables checking air pressure, rebalancing to address vibrations and assessing tread depth, ensuring comprehensive tire maintenance.

Conclusion

In this blog, we understood what is rotating your tires and why it is crucial. Your car’s required tire rotation pattern depends on your vehicle type and the type of tires you use. Maintaining your warranty’s stipulations necessitates regular tire rotation. Additionally, as a car owner, ensure you have car insurance and renew it on time, as it is a legal mandate in India.

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

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• How to Check Tyre Pressure: A Step-by-Step Guide
• Understanding Car Insurance Coverage for Tyre Damage
• Understanding Run-Flat Tyres: Meaning and Identification
• Unlocking Longevity: Factors Affecting Car Tyre Life and How to Preserve Them

When purchasing new tires for your car, it's crucial to identify the correct tire size. You can find this information in your car’s doorjamb or owner’s manual, presented as a sequence of letters and numbers. If you need clarification on this process, fear not! This blog will guide you through the steps on how to find out the tire size of a car. Additionally, this is a friendly reminder to car owners—consider investing in car insurance and ensures timely renewals for comprehensive coverage.

Steps to Calculate Tyre Size for Your Car

Many of today’s car and light truck tires showcase size designations that communicate the tire’s dimensions through a blend of metric, mathematical and English systems. This unique combination of millimetres, percentages and inches results from the on-going development of global tire specifications. Additionally, it grants the capability to calculate or estimate fundamental tire dimensions.

Let us understand how to calculate tire size for your car from this string of numbers and letters:

1. Check the Tire Size:

   • Let us assume that your car’s tire size is 205/60R16.
   • The first three digits (205) denote the tire’s section width in millimetres.

2. Convert to Inches:

   • To convert the measurement to inches, divide the section width by 25.4.
   • For instance: 205 mm/25.4=8.07"

3. Explore Aspect Ratio:

   • The second set of numbers (60) is the tire’s aspect ratio. It represents the sidewall’s height as a percentage of the section width.
   • Calculate the sidewall height by multiplying the section width by the aspect ratio percentage.
   • For example: 205 mm×0.60=123 mm, 205mm×0.60=123mm or 8.07"×0.60=4.84"

4. Determine Wheel Diameter:

   • The final numeral (16) denotes the wheel diameter measured in inches.
   • To change it into millimetres, multiply the wheel diameter by 25.4.
   • For example: 16"×25.4=406.4 mm

5. Calculate Overall Diameter:

• • To find the overall tire diameter, multiply the sidewall height by 2 (accounting for two sidewalls) and add the wheel diameter.
  • For the given example: 123 mm+123 mm+406.4 mm=652.4 mm or 4.84"+4.84"+16"= 25.68"

Remember, these calculations provide nominal tire dimensions. These may differ from the actual physical size. So, you must always consult the tire manufacturer’s specifications for precise measurements.

Conclusion

Your car’s tire size is found inside your car’s doorjamb or in the owner’s manual. Understanding the correct tire size may seem difficult. But in this blog, we have explained to you step by step how to find out the tire size of a car. Also, you must invest in and renew your car insurance on time, as it is mandatory in India.

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

Related Articles:

• Essential Items for Car Emergency Kit: Tyre Jack, Jumper Cable
• How to Check Tyre Pressure: A Step-by-Step Guide
• Understanding Car Insurance Coverage for Tyre Damage
• Understanding Run-Flat Tyres: Meaning and Identification
• Unlocking Longevity: Factors Affecting Car Tyre Life and How to Preserve Them

How to calculate insurance premiums for a new car? When you’re the proud owner of a shiny new car, one of the essential tasks on your checklist is securing the right insurance coverage. Understanding how to calculate insurance premiums for a new car is crucial to ensure adequate coverage without breaking the bank. New car insurance can vary significantly based on various factors, so navigating this process with care is essential. Here, you can learn the steps to calculate car insurance premiums. You can also understand the process and make learned decisions to safeguard your investment and drive with peace of mind.

Tips To Manage High Blood Pressure

Follow these steps to calculate insurance premium for a new car.

Gather Vehicle Information

Collect all relevant details about your new car. It includes the make, model, year, and vehicle identification number (VIN). This information is essential for accurate premium calculations.

Determine Coverage Needs

Consider your driving habits, budget and legal requirements to assess your insurance needs. Common coverage types include liability, collision, comprehensive and uninsured motorist coverage

Research Insurance Providers

Shop around for insurance providers and obtain quotes from multiple companies. It allows you to compare premiums and coverage options to find the best fit for your new car.

Consider Deductibles

Decide on the deductible amount you’re comfortable with. A higher deductible typically results in lower premiums.

Factor in Your Driving Record

Your driving history, including accidents and violations, can influence your premium. A clean record often leads to lower insurance costs.

Yes, identity proof like a PAN card, Aadhaar card, or voter card are part of the documents needed to complete the Know Your Customer (KYC) process for car insurance. Recently, the Insurance Regulatory and Development Authority of India ((IRDAI) implemented new rules for KYC in car insurance. 

This article explores PAN card is mandatory for car insurance? in more detail below.

Identity Proof Required For KYC of Individuals

Many ask, ‘Is a PAN card required for car insurance?’ Note that alongside the PAN card, other documents you need to provide to complete the KYC procedure may include:

• Identity proof
• Driving licence
• Passport photo
• Proof of residence
• Car registration number
• Car registration certificate
• Credit or debit card information
• Existing car insurance policy number
• Any other document the insurer may ask for

Conclusion

The KYC process is important in car insurance. It helps verify the customer’s identity and prevent fraud. It also ensures compliance with regulations. Based on the IRDAI regulation, insurance companies must follow KYC procedures whenever they issue any form of general insurance policy to customers.

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

Also Read

• Is Comprehensive Bike/Car Insurance Required?
• Mandatory or Optional? Understanding Third-Party Insurance Requirements
• Motor Vehicles (Amendment) Act 2019: Mandatory Vehicle Insurance Requirements
• Essential Documents Required for Selling a Car in India
• Car Insurance Claim: Steps to Get Your Cheque After a Total Loss

The documents required for car insurance claim vary depending on the situation. The three types of claims under which you can file your vehicle’s insurance policy include third-party, car theft, and accident claims.

So, what documents are needed for a car insurance claim under the three scenarios? Let’s find out.

What Documents are Required for a Car Insurance Claim?

1. Third-party insurance claim

For third-party cases, the documents for car insurance claim include the following:

• A correctly filled and signed claim form
• A copy of the police FIR
• A copy of the registration certificate (RC)
• A copy of the driver’s licence (DL)
• Stamp for the registered vehicle’s original documents.

2. Car theft claim

In case of car theft, the insurer will need the following documents to process the claim:

• A copy of your car insurance policy
• Theft declaration form from the RTO
• A copy of the police FIR
• Forms 28, 29, 30, and 35
• Tax receipts
• Subrogation letter
• The original car registration book
• The previous policy information, such as the name of the insurer, duration, and time of the insurance policy. 
• Claim discharge voucher together with the revenue stamp signature
• Important items like warranty cards, booklets, and duplicate keys
• Official RTO intimation concerning theft and vehicle discontinuation.

3. Accident claim

Documents required for a motor insurance claim during an accident include the following:

• A duly filled and signed claim form
• Copy of your insurance policy
• Your car registration certificate copy
• Tax payment receipts
• A copy of the police FIR
• An estimation of the car repair amount
• Original repair cost and payment receipts
• Car inspection address

Conclusion

With the right car insurance policy, you can easily raise any of the claims above and receive your compensation. However, depending on the type of claim at hand, ensure that you present all the documents required for the successful processing.

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

Also Read

• Car Insurance Claim: Steps to Get Your Cheque After a Total Loss
• How to Claim Insurance for a Car Dent?
• A Detailed Guide on How to Claim Car Insurance for Own Damage
• Car Insurance Claim Rejection Reasons in Rainy Season
• Car Scratch Claims: Is it Covered by Insurance in India?

It is important to be aware of the legal procedures before submitting an automobile insurance claim. One frequently raised issue is, "Is FIR mandatory for car insurance claims?" This requirement depends on the type of incident.

Situations Where An FIR Is Needed Before A Car Insurance Claim

An FIR is created by the police upon learning of a serious crime, such as theft or an automobile accident. This report is crucial for initiating a car insurance claim and, in some cases, serves as the basis for a police investigation. You must file an FIR for car insurance claims at the nearest police station if you are in a car accident, especially if the accident has caused an injury, death, or major property damage.

Your insurer may require a copy of the FIR while processing your auto insurance policy for a claim on any loss arising from an accident. This also helps clear up any third-party responsibility issues. An FIR is necessary for car insurance claim as it helps throughout the claim evaluation and accident investigation.

Conclusion

It is imperative to file an FIR when making a claim for theft, collisions involving other people, or damage resulting from illegal activities. Ensuring prompt reporting facilitates a seamless claims procedure with our 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 relevant industry. It is advised to verify the 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

Also Read

• A Detailed Guide on How to Claim Car Insurance for Own Damage
• Can I Claim Insurance for Car Scratches?
• Claim Settlement Procedure: How to File & Receive Payment
• How to Claim Insurance for a Car Dent?
• How to Make an Insurance Claim for a Car Dent in India?

Making insurance claims for auto damage without filing a formal complaint can be challenging, though it is permissible in some cases. While car insurance policies are often flexible, understanding the procedures and requirements is essential for successfully filing a claim.

Situations Where An FIR Is Not Needed Before A Car Insurance Claim

Not every situation necessitates filing a Form FIR to handle auto insurance claims. The following are a few scenarios where you can move forward without one:

Minor Mishaps

An FIR may not be necessary for minor collisions involving only minimal damage to the insured vehicle and no injuries or involvement of other parties. In such cases, you can directly submit your claim to the insurance company.

Damages Related to Natural Disasters

You no longer need to register FIR if your car sustains harm from an earthquake, storm, or flood. These are uncontrollable situations, and submitting an FIR for car insurance claims is not required.

Vandalism or Malicious Behaviour

Although these situations are regrettable, many insurance companies may accept claims for losses caused by vandalism or other malicious actions without requiring a formal complaint if no third party is involved. Understanding FIRs and their implications for car insurance is crucial to recognise their importance and necessity in certain situations.

Personal Injury Allegations

An FIR is typically not required for claims that are limited to damages to your car and do not involve any third parties. You may move forward by sending your insurance company the necessary claim form and accompanying documentation.

If you wish to make an insurance claim for any of these situations that do not require an FIR, you can use your insurance company’s customer care hotline, website, or app to notify them of the occurrence as soon as possible. Take pictures of the damage from different perspectives for documentation purposes.

Fill out the claim form your insurer sent you, including as much information as possible about the occurrence, your insurance, and the description of the damages. Include this form in your submission with any necessary documentation, such as your driver's license, policy paperwork, and car registration. If you utilise a network garage, the insurer will handle repairs personally. Depending on your preferred repair choice, your insurer will either pay the bills directly or refund you.

Conclusion

Although there could be additional requirements, you can submit an insurance claim without filing an FIR. Your insurer can assist you by informing you about the ideal claim procedure and support for fast resolution.

Also Read:

• How to Check the Claim Settlement Ratio
• how to claim car insurance for own damage in india
• how to claim car insurance for scratches india
• does comprehensive auto insurance cover rodent damage
• Difference Between Own Damage & Third Party Insurance

If you follow the proper procedures, filing a windshield insurance claim can be a simple process. However, to guarantee a seamless procedure, it is imperative to comprehend your policy, quickly notify your insurer of the damage, and keep thorough records.

Filing The Claim For Damaged Windshield

The expense of fixing a cracked windshield or replacing the whole windshield may be considerable. Inform your insurer of the damage done to the car before claiming windshield replacement on insurance. In case your car’s windshield is affected by vandalism, it is recommended that you report the matter to the police and acquire an FIR before filing a windshield claim with your insurer.

After that, you may take your car to a network garage to use the cashless service. After assessing the damage, the garage's experts will offer you a repair or replacement. If your comprehensive insurance covers the circumstances that resulted in the damage, your insurer will pay for a windshield crack insurance claim.

Conclusion

To guarantee seamless coverage and prevent additional expenses, ensure you have comprehensive car insurance.

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

Also Read:

• Can I Claim Insurance for Car Scratches
• Claim Insurance for Car Dents
• How to Check the Claim Settlement Ratio
• How to claim car insurance for own damage policy
• How Many Times Car Insurance Can Be Claimed?

Electric cars have emerged as an affordable and environment-friendly choice in recent years. If you intend to buy an EV, you should be aware of the requirements, documentation, a mandatory third-party car insurance policy, document filing, and potential background checks before proceeding with the registration process.

Documents Required to Register an Electric Vehicle

You must have certain government-issued documents to register a new electric vehicle. To speed up the electronic vehicle registration process and meet regulatory standards, it is critical to have these papers readily available:

• You need to provide proof of identity, which can include your voter’s ID card or Aadhaar card. These documents are there to confirm your identification.
• In addition, you need to present your electricity bill or any other document to complete the KYC; this will serve as your address proof.
• The registration process will begin as soon as the application documents are received.
• Once the application is received, you might receive calls from the authorities to check for discrepancies, if any.
• Once you have the required paperwork, you will receive a confirmation for the same.

In this rapidly growing world, there is also an option to enroll for e-car registration. It will help you complete all the formalities with a few clicks. It won’t only help you save time but also make the entire process traceable.

Also, you must check the rules for payment of road tax in your state, as they vary between states.

Conclusion

The switch to electric cars is easier to make and encourages more people to choose environment-friendly transportation for a cleaner future. It is already a cost-effective option, but to save costs further, ensure getting a comprehensive 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 relevant industry. It is advised to verify the 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.

Also Read:

• Know Why Electric Car Insurance is Expensive
• is comprehensive insurance required
• What Are the Advantages of Owning an Elective Vehicle (EV) in India?
• What Are the Different Types of Motor Insurance in India?
• is third party insurance mandatory

EVs in India accounted for 5% of total vehicle sales in September 2023, and data shows that they can hit the 40% mark by 2030. Their growing pace makes it important for us to know if one requires an e-vehicle number plate.

Is Number Plate Mandatory for Electric Cars?

Every vehicle in India is required to have a number plate, and e-vehicles are no exception. For security purposes, the Ministry of Road Transport and Highways in India has implemented updates to the regulations governing electric vehicle (EV) registration plates.

Here are some crucial points:

• Originally, EV plates were distinguished by a green bar at the bottom left-hand side, setting them apart from traditional petrol and diesel vehicles.
• The privately owned e-car number plate is green with numbers inscribed in white.
• The number plates for commercial EVs are green, but the numbers inscribed are in yellow.

Conclusion

Complying with these rules can help avoid legal complications. You must invest in a car insurance policy to safeguard your finances against unforeseen mishaps involving your vehicle. Purchase a comprehensive insurance plan to enjoy your rides with peace of mind.

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

Also Read:

• What is Green Number Plate in India?
• Can a Hybrid Vehicle Have a Green Number Plate?
• HSRP Number Plates Rules for Vehicles
• Number Plate Rules in India
• Difference Between HSRP and Normal Number Plate

Electric cars are becoming increasingly popular in our country due to their affordability and environmental benefits. However, it is important to understand the related laws before purchasing an EV. You must also understand the scope of coverage of your car insurance policy to make a claim when the need arises.

Is Driving Licence Necessary for an Electric Car?

There are several common misconceptions and concerns about the laws about to EVs and DLs. This brings us to one such question, "Do we need a license for electric cars? The fact is that in India, you cannot operate an electric four-wheeler without a valid driving license. Here are some basic guidelines for using an electric vehicle:

• A driving license is mandatory to drive electric four-wheelers.
• These scooters are simply considered upgraded forms of bicycles and cannot cause a mishap on the road. However, for all other electric vehicles, you will require a valid driving license before you hit the road.
• If you meet with an accident while driving your EV without a valid DL, your insurer will deny your claim when you raise one to claim on your car insurance

Conclusion

To stay on the right side of the law, you must obtain a DL and then drive your new EV. Being compliant with all rules and regulations will also help you get the optimal benefit from your car insurance plan.

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

Also Read:

• What is an Electric Vehicle?
• Hydrogen Cars vs Electric Cars
• Electric Steering vs Power Steering
• Electric Steering vs Hydraulic Steering
• EV Charging Station Companies in India

Cars play a role in your vehicle's safety, performance, and fuel efficiency. While it's natural to prioritise engine maintenance and other components, it's equally important to give attention to your car's s. Understanding the lifespan of s and being aware of when they should be replaced can contribute to a more efficient driving experience. Let's explore the factors that influence longevity and determine the time for replacement.

What is the Right Time to Replace Tyres?

The lifespan of a car tyre can vary based on the following factors;

1. Tread Depth

The depth of treads is among the factors when deciding whether or not replacement is necessary. The treads provide grip and traction on the road surface. While the legal minimum tread depth in regions is 1.6 millimetres, it is advisable to consider replacing s when their tread depth reaches 3 millimetres or earlier, depending on driving conditions. Worn-out treads can compromise grip on slippery roads, thus increasing the risk of accidents.

2. Visual Inspection

Inspecting your s for any signs of damage, such as cuts, punctures or bulges, is important. If you encounter any of these problems, replacing the affected is crucial. Ignoring damage can create driving conditions.

3. Age of the Tyres

Regardless of their appearance, the average life of car tyre is six years. This is because the rubber compound in s deteriorates over time due to exposure to sunlight temperature fluctuations and road conditions. Even if your tyres seem in good shape, replacing them after six years is recommended for safety and performance. You can find the manufacturing date of a tyre on the sidewall as a four-digit number (“0818" indicates that the tyre was manufactured in the week of 2018).

4. Driving Habits and Conditions

Your driving habits and driving conditions can affect how long your tyre lasts. Aggressive driving, excessive speeding and harsh braking can accelerate wear. Similarly, driving on maintained roads or in weather conditions can decrease the lifespan of your tyres. Adjusting your driving style and scheduling maintenance and rotations is important to ensure even wear.

5. Proper Maintenance

Regular maintenance, like wheel alignments and balancing, can prolong the life of your tyres. Ensuring the tyres are properly aligned and balanced can help distribute wear, ultimately extending their lifespan.

Conclusion 

While factors such as tread depth, visual inspections, and driving habits are important in determining when to replace your tyres, it's crucial to keep in mind the average life of a car tyre. As time passes, the rubber compound deteriorates, resulting in reduced grip and stability on the road, which could impact safety and potentially increase car insurance premiums. By being vigilant and proactive in monitoring your tyre condition, you can ensure your vehicle remains safe, efficient, and roadworthy, helping to maintain favorable car insurance rates.

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

When choosing a car, whether for daily commutes or long-distance travel, one of the fundamental decisions you'll face is whether to opt for a petrol or diesel engine. Both options have benefits and disadvantages, and your choice can significantly impact your driving experience, expenses, and environmental footprint. Understanding the difference between petrol and diesel cars is crucial in making a well-informed decision that aligns with your needs and preferences. And you bet that’s what we will be talking about today in this article.

How are petrol cars different from diesel cars?

To differentiate between petrol and diesel cars, consider the following key points:

• Fuel Type

Petrol cars use petrol as their primary fuel source, while diesel cars use diesel fuel. The type of fuel significantly affects the engine's combustion process and efficiency. Petrol engines rely on spark ignition, while diesel engines use compression ignition. Petrol engines also consume more fuel and are thus used in light motor vehicles, in comparison to diesel engines, which have a lesser fuel consumption and are used in heavy vehicles. As diesel engines use less fuel, they ensure higher efficiency.

• Car Price

Diesel cars are generally costlier than their petrol counterparts due to their robust construction and specialised components. Diesel engines require sturdier components to withstand higher compression ratios and stresses.

• Mileage

Diesel cars tend to provide higher mileage due to their higher compression ratios, which allow for more efficient fuel utilisation. This results in better fuel economy, making diesel cars ideal for long-distance driving and heavy loads.

• Power and Torque

Diesel engines typically produce higher torque, providing them with a higher pulling power that takes time for the initial pickup. This additional torque allows diesel cars to pull heavier loads and perform better while carrying substantial cargo. In contrast, petrol engines offer smoother acceleration and better initial pickup, making them suitable for daily commuting and short-distance travel.

• Fuel Price

Diesel fuel is often cheaper than petrol, leading to potential cost savings for diesel car owners. The lower cost of diesel fuel can offset the higher initial purchase price of diesel cars in the long run, especially for those who drive extensively.

• Resale Value

Diesel cars often have a higher resale value due to their durability and longer lifespan. Buyers are willing to pay a premium for diesel cars, as they are perceived to be more reliable and capable of withstanding the test of time.

• Refinement

Diesel engines produce more noise and vibrations, resulting in a less refined driving experience. The combustion process in diesel engines generates higher levels of noise, which can affect cabin comfort. In contrast, petrol engines are quieter and smoother, providing a more comfortable and refined ride.

• Eco-friendliness

Diesel cars emit more pollutant particles, including nitrogen oxides and particulate matter; this can harm the environment and human health. On the other hand, petrol engines produce fewer emissions and are considered more environmentally friendly. This difference in emissions has led to stricter emission standards for diesel engines.

• Car Life

Diesel cars have a longer lifespan and depreciate more slowly than petrol cars. The robust construction of diesel engines and their ability to handle higher stresses often results in a more extended vehicle life. However, it's essential to consider regional regulations, as some areas impose restrictions on older diesel cars due to emissions concerns.

• Motor Insurance

Insurance costs and premium rates are generally higher for diesel cars due to their higher purchase cost and potential repair expenses. Diesel engines require specialised parts and maintenance, which can increase insurance premiums. In contrast, petrol cars usually have more affordable insurance options due to lower maintenance and repair costs.

Conclusion

Now, you know the difference between petrol and diesel cars. Regardless of the type of car you choose, you must prioritise motor insurance. Four-wheeler insurance is mandatory and offers comprehensive protection, safeguarding you from legal penalties and financial losses in the event of accidents. Whether

The right insurance products can ease your financial worries during unexpected events, but high policy premiums can be a concern. Talking about car insurance, the Motor Vehicles Act (1988) makes it mandatory for car owners to cover their vehicles under an insurance product. However, for those who travel occasionally and rarely use their cars, high bike or car insurance premiums can be an added financial burden. To address this issue, the IRDAI has advised insurance companies to offer Pay As You Drive insurance for both four-wheelers and two-wheelers. Let's explore how Pay As You Drive insurance works.

How Pay As You Drive Insurance Works?

Pay as You Drive (PAYD) insurance works differently from a regular car insurance policy. It calculates policy premiums based on the vehicle's usage or the running of the vehicle. In simple words, it means you must pay premiums only for the number of kilometres you drive the insured vehicle.

The following are the features of this insurance product -

• Pre-determined slabs:

  PAYD car insurance policy has predetermined slabs of 2500 km, 5000 km, and 7500 km. Thus, when buying this insurance product, you can select a suitable slab and pay premiums accordingly. The higher the slab you choose, the higher will be the premium amount.

• Affordable premiums:

  The option to choose policy coverage based on vehicle usage makes this insurance product more affordable. For instance, if you own a car but use it rarely, you can choose a lower kilometre slab. This way, the premiums won’t hurt your pocket.

• Flexibility:

  If you think you may exceed the chosen distance slab, top up your PAYD insurance policy with a suitable kilometre slab for continuous coverage.

• Telematics device:

  Some insurance companies may ask policyholders to install a telematics device in their vehicles to track the kilometres.

• Policy tenure:

  The policy tenure is one year. However, it may vary from insurer to insurer.

Conclusion

To sum up, if you use your vehicle less frequently, choosing a Pay As You Drive car insurance policy can reduce your premium liabilities. Also, if you own multiple vehicles, you can choose this coverage for the vehicle that is least used. It is important to note that policy premiums will also depend on various factors, such as the type of policy you choose, the vehicle you own, its age, and any additional riders. Hence, take some time to understand all terms and conditions and make a well-informed decision.

Whether you want your car to roar like a lion or hiss like a snake depends on the car muffler or silencer. As the name implies, the car muffler muffles or suppresses the sound coming from the car's exhaust system. Keep reading ahead to learn more about how a muffler works.

How Mufflers Work In A Car?

The muffler performs a dual role by silencing the noises from the engine and removing the toxic gases emitted from the exhaust. The catalytic converter, a component of the exhaust system, aids the muffler in emission reduction. Here is the underlying mechanism of how a muffler works.

1. The muffler accepts the incoming gas and noise through the centre tube. By reducing the velocity of high-pressure gases, the gases slow down for a while.
2. The different chambers inside the muffler are called baffles, and the space between them is perforated, which allows the gas to pass straight away, leaving the noise trapped between the baffles. The opposing soundwaves hitting the walls of baffles result in noise cancellation due to destructive interference. However, noise reduction also creates substantial backpressure, which can reduce nitrous oxide emissions from the engine, but it also affects engine efficiency.
3. Ultimately, the soundwaves and the air meet in the Helmholtz tuner, which acts as an air reservoir. As the frequency of the air and the soundwaves meet, a resonance frequency is created that is tuned in the Helmholtz tuner and finally ejected through the exhaust tailpipe.
4. The structure of a muffler also aids in noise reduction. Muffler has a three-layered body, with two layers of metal and a heavily insulated layer in between them. Such a structure helps the muffler absorb the pulsating pressure waves.
5. In addition, the muffler ensures the health of your car's engine by emitting excessive heat.

Conclusion

Now, you must be aware of how does a muffler work. Remember to subscribe to car insurance to get coverage against damage to your vehicle and extensive engine protection.

The advent of electric vehicles (EVs) is a giant step towards sustainable transportation, given the ominous issues of environmental pollution and global warming threatening to upend everything. An electric vehicle means any vehicle that runs on electric (battery) power instead of petrol or diesel. EVs promise cleaner roads and a significant reduction in emissions, marking a big shift in how we view mobility.

Electric Car Meaning

To know about electric vehicle meaning, let's understand the types of EVs that are already operational.

• Pure electric cars:

  Also called Battery Electric Vehicles (BEVs), these cars say goodbye to the fuel station. They run solely on electricity, offering a smooth, silent ride without tailpipe emissions.

• Plug-in hybrids:

  They are the best of both worlds. Plug-in hybrids combine a battery-powered electric motor with a traditional internal combustion engine (ICE). They power their daily and shorter commutes with electricity and power longer journeys with petrol or diesel.

• Extended-range electric vehicles:

  These are similar to plug-ins but with a twist. The petrol or diesel engine is mainly fitted to generate electricity. They extend your car's range when the battery runs low.

The increase in electric vehicles operating on the roads indicates mankind's outlook towards embracing a more sustainable future. The whole idea is about cutting down on emissions. If you are yet to transition from ICE to electric, do so quickly. But do remember that car insurance is essential for all types of vehicles, as it saves you from incurring financial losses.

Do you own a car but use it occasionally? You can consider covering it under a Pay Per Mile Insurance policy! According to the Motor Vehicles Act of 1988, covering your vehicle under a car insurance policy is mandatory before taking it on the road. However, if you rarely use your car, the premiums of a traditional plan can feel like an unnecessary financial burden. This is when Pay Per Mile Insurance can be a feasible option. This insurance product allows you to pay based on the miles/kilometres you travel, helping you avoid high annual car insurance premiums. However, is Pay Per Mile Car Insurance worth it in India? Let’s find out in this article.

Is Pay Per Mile Car Insurance Worth It In India?

Pay Per Mile Insurance can be an ideal option for those who use their car less often or primarily for short distances. For example, if you work from home, use public transport often, or are living a retired life, you may not use your car often. In such cases, opting for Pay Per Mile car insurance can help you reduce your premium liabilities.

However, before zeroing in on this insurance product, weighing its pros and cons and making a well-thought-out decision is vital.

Pros of Pay Per Mile Car Insurance

The following are the benefits of this insurance product -

1. Affordability:

   Pay Per Mile insurance is affordable when compared to a regular third-party or comprehensive car insurance policy. You only pay for the miles you drive, and this can reduce your policy premiums significantly.

2. Flexibility:

   If you happen to exhaust the chosen miles/kilometres limit, the insurer may allow you to add extra miles for continuous coverage.

3. Coverage:

   Pay Per Mile Insurance provides the same level of coverage as traditional third-party or comprehensive car insurance policies.

Cons of Pay Per Mile Car Insurance

Pay Per Mile insurance has a few drawbacks as well, such as -

1. Usage tracking:

   The insurer may ask you to install a telematics device in your car to track the kilometres. This can raise privacy concerns as the device shares your driving data with the insurance company.

2. Kilometre slabs:

   The policy may have specific kilometre slabs or limits. If you exceed the chosen slab, you will have to pay for the additional kilometres. As a result, the policy premiums or bills may fluctuate.

Conclusion

To sum up, Pay Per Mile insurance is a good option for those who don't use their vehicle frequently. The policy premium depends on the miles/kilometres you select, so you won't have to pay extra unless you exceed the chosen limit. However, before opting for this car insurance policy, it is wise to understand the terms and conditions, evaluate your driving patterns, and compare this policy with traditional car insurance options. With careful consideration, you can select a car insurance policy that best suits your needs and budget.

Accidents happen, and understanding the nuances of car insurance coverage is vital. In particular, when colliding against a wall occurs, questions arise about whether such incidents are covered by car insurance.

Is Wall Collision Covered by Car Insurance?

Let's see, does car insurance cover hitting a wall?

• Fault Considerations: If your car hitting a wall is your fault, such as accidentally reversing into a wall, collision coverage is necessary to cover the damage to your vehicle.
• Collision Coverage Details: Collision coverage extends to incidents involving contact with another vehicle or object, including walls.
• Coverage Types: Liability coverage, often the minimum required by law, only covers damages to others' property in accidents where you are found at fault. It does not cover your vehicle's damages. Meanwhile, collision coverage typically covers damage to your vehicle in collisions with walls or other objects, regardless of the fault.
• Deductible Consideration: While collision coverage can cover damages, policyholders may still be responsible for paying a deductible before the insurance coverage takes effect.

Conclusion

Whether car insurance covers hitting a wall depends on the coverage type and the circumstances of the accident. Collision coverage is essential when your vehicle collides with a wall, protecting it from the damages incurred. Policyholders must understand their coverage details to ensure they have the necessary protection in various scenarios, including car hit-wall insurance coverage.

If you live in Uttar Pradesh and own a car, you must register for a High-Security Registration Plate (HSRP). This is a guide to ensure your car follows current laws, thereby helping enhance security and aid in identification. It will also help keep your vehicle safe and easily traceable under state laws.

Benefits of HSRP Number Plate in Uttar Pradesh

Registering for HSRP Uttar Pradesh comes with several substantial benefits that enhance vehicle security and compliance: 

1. Enhanced Security:

   HSRPs are crafted with non-removable snap locks and feature unique identification numbers, which greatly enhance their security. These features make the plates nearly impossible to replicate or remove, which helps deter theft and unauthorised vehicle use.

2. Improved Vehicle Tracking:

   The unique identification numbers on each HSRP number plate, Uttar Pradesh, allow for swift and accurate vehicle identification. This capability is essential for efficient law enforcement and quick recovery of stolen vehicles. It aids authorities in swiftly tracking down a vehicle's location and ownership details.

3. Durability:

   Strong and premium materials such as aluminium are used to build HSRs. They are designed to resist bad weather without degrading. This durability guarantees that over time, the plates stay legible and in good condition. Premium-material metal usage also reduces the need for frequent replacements.

4. Regulatory Compliance:

   Uttar Pradesh's vehicle owners follow state vehicle rules when adding an HSRP. This spares possible fines and penalties for non-compliance. This respect of legal criteria helps prevent legal problems and supports the more general initiatives to preserve public safety on highways.

5. Road Safety:

   The distinctive and clear identification provided by HSRPs enhances road safety measures. Authorities can more easily track and manage traffic violations and accidents. This ensures responsible driving behaviours and safer road conditions for everyone.

Colour Code of High-Security Registration Plate in Uttar Pradesh

HSRPs in Uttar Pradesh utilise a specific colour-coding system to facilitate the easy identification of different types of vehicles:

1. Private Vehicles:

   They feature white plates with black lettering. This makes the vehicles easily distinguishable as privately owned ones.

2. Commercial Vehicles:

   Vehicles involved in business operations use yellow plates bearing black letters. This helps traffic authorities and service providers identify them quickly.

3. Official Vehicles:

   Red plates with white lettering signify government or official-use vehicles. These colours make sure that these vehicles are recognised for priority or security purposes.

• HSRPs in Uttar Pradesh also include colour-coded stickers that indicate the vehicle's fuel type. They are affixed to the windscreen.

1. Blue Stickers: Represent vehicles that run on petrol or CNG.
2. Green Stickers: Denote electric vehicles that support environmental recognition and incentives.
3. Orange Stickers: Indicate diesel-powered vehicles.

Vehicles compliant with BS6 emission standards feature a green strip at the top of the HSRP. This strip helps authorities quickly identify vehicles and contributes to environmental compliance efforts.

How to Apply for a High-Security Number Plate in Uttar Pradesh?

Now, let us help you with the steps for high-security number plate online apply Uttar Pradesh:

1. Visit the Official Website:

   Start by accessing the "Book my HSRP" portal. This platform is specifically designed for the application and management of HSRPs in Uttar Pradesh.

2. Select the Booking Option:

   Navigate to the "High-Security Registration Plate with Colour Sticker" section on the website. Here, you will find the option to "book" your HSRP. Click on this to begin the process.

3. Enter Vehicle Details:

   You will have to include particular information about your car. This covers entering the state along with the chassis number of your car, engine number, and a captcha for security needs.

4. Select Appointment and Location:

   Enter your car details, then choose the place and appointment time you would want the HSRP installed. This adaptability lets you choose a time and location that would be most suitable for you.

5. Make Payment:

   Go ahead and make the payment for your HSRP. The fees are standardised, and the payment gateway on the website is secure.

6. Notification of Installation:

   You will be notified through your registered mobile number once your fee payment is acknowledged and the HSRP is ready.

How to Check the Status of HSRP Number Plate in Uttar Pradesh

Here are the detailed steps to help you track your HSRP application:

1. Visit the Official Website:

   Open the official website and surf to the "Book my HSRP" section.

2. Navigate to Track Your Order:

   Look for the "track your order" choice on the homepage. Usually placed on the right side of the screen, this part is especially meant for users to monitor the development of their HSRP programmes.

3. Enter Your Details:

   To access the status of your order, you will be prompted to enter several details. Input your order number and vehicle registration number in the designated fields. You will also need to enter a captcha to verify your request.

4. Search for Your Status:

   After entering all the required information, click on the "Search" button.

5. View Application Status:

   Your HSRP's status will be displayed on the screen. This information can cover whether extra information is required from your end, whether it is ready for installation, or is still under processing.

How to Apply for Duplicate HSRP Number Plate in Uttar Pradesh

You can follow these steps to efficiently apply for a duplicate HSRP in Uttar Pradesh:

1. Access the Official Website:

   Open the "Book My HSRP" section, the authorised platform for managing HSRP services in Uttar Pradesh.

2. Navigate to Replacement Options:

   On the website, click on the "Replacement/Retain/Transfer" option. This section is specifically designed to handle requests related to duplicate or replacement plates.

3. Enter Required Details:

   You must enter several key details about your vehicle. Fill in your vehicle registration number, chassis number, and engine number, and select Uttar Pradesh as your state. You will also need to complete a captcha for security verification.

4. Select Appointment Slot:

   Choose a preferred date and time slot after entering your vehicle details. This scheduling feature allows you to pick a convenient time for the installation of the new HSRP.

5. Make Payment:

   Proceed to make the payment for the duplicate HSRP. The website will have a fee structure listed there.

6. Document Submission:

   Alongside the online process, make sure you have all necessary documents ready, such as a police report if the plate was stolen or evidence of damage. These may need to be presented at the time of your application.

Conclusion

Securing an HSRP for your car in Uttar Pradesh is easy. It offers major advantages regarding security, compliance, and simplicity of vehicle management. Following these rules and getting suitable car insurance guarantees that your car is current with state rules and ready to handle different road conditions.