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  • Requirement Of FIR For Car Insurance Claims

    by Nitin Vishwakarma | Dec 23, 2024

    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 It may contain outdated data and information regarding the relevant industry.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 ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information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

  • How to Claim Insurance for Car Damage Without FIR?

    by Nitin Vishwakarma | Dec 23, 2024

    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 Claim Windshield Insurance?

    by Nitin Vishwakarma | Dec 23, 2024

    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.

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  • What are the Documents Required to Register an Electric Vehicle?

    by Nitin Vishwakarma | Dec 20, 2024

    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:

  • Is Number Plate Required for Electric Cars?

    by Nitin Vishwakarma | Dec 17, 2024

    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:

  • Do You Need a Driving License for Electric Cars in India?

    by Nitin Vishwakarma | Dec 17, 2024

    Updated on - 21 May 2026

    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 License Required to Drive an Electric Car in India?

    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

    As electric vehicles continue to gain popularity in India, it is important to understand the legal requirements associated with their use. Driving an electric four-wheeler without a valid driving license is not permitted, and adhering to these rules ensures both safety and compliance with the law.

    Along with following regulations, having the right coverage is equally essential. Choosing a suitable car insurance policy, including specialised electric car insurance, can help protect you financially against accidents, damages, and unforeseen situations.

    By staying informed and properly insured, you can enjoy the benefits of your electric vehicle with confidence and 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:

  • Average Car Tyre Lifespan Explained

    by Nitin Vishwakarma | Dec 12, 2024

    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.

    1. 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.

    1. 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).

    1. 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.

    1. 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

  • What's The Difference Between Petrol and Diesel Cars?

    by Nitin Vishwakarma | Dec 12, 2024

    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

  • How Does Pay As You Drive Insurance Work

    by User Not Found | Oct 28, 2024

    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.

  • How Does a Muffler Works & Silence Your Car?

    by User Not Found | Oct 24, 2024

    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.

  • What is an Electric Vehicle?

    by User Not Found | Oct 24, 2024

    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.
    Conclusion

    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.

  • Is Pay Per Mile Insurance Worth it?

    by User Not Found | Oct 22, 2024

    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.
    1. Flexibility:

      If you happen to exhaust the chosen miles/kilometres limit, the insurer may allow you to add extra miles for continuous coverage.
    1. 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.
    1. 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.

  • Does Car Insurance Cover Hitting a Wall?

    by User Not Found | Oct 21, 2024

    Updated on - 02 Mar 2026

    A brief lapse in attention or poor road conditions can sometimes result in your car crashing into a wall. In such situations, one of the first questions that comes to mind is whether your car insurance will cover the cost of repairs. The answer largely depends on the type of policy you hold. Liability coverage, which is the minimum required by law, only pays for damage or injury you cause to others. To cover damage to your own vehicle in such collisions, you would need a physical damage cover.

    This blog explains what physical damage cover includes, what it leaves out and how it applies to collisions with walls.

    What is covered under physical damage cover?

    Physical damage cover helps pay for repairs to your car after an accident, theft or natural disaster. There are usually two main types:

    • Collision cover: This covers damages to your car if it hits another car, object (like a wall or pole) or flips over.
    • Comprehensive cover: This covers damage not caused by a crash. For example, fire, theft, vandalism, falling objects or weather-related issues like floods and hail.

    So, if you get both of these covers as part of your car insurance online, your insurer may help pay for repairs depending on the cause of the damage.

    What is not covered under physical damage cover?

    Some common things not covered are:

    • Wear and tear: Normal ageing of your car or damage from poor maintenance.
    • Using your car for illegal activities: If the accident happens while doing something illegal, the claim might be rejected.
    • Deliberate damage: If the damage is done on purpose, even by someone else, the claim may be denied.
    • Driving under the influence: If you are found to be driving under alcohol or drugs, your insurer may not pay.

    Is wall collision covered by car insurance?

    If you crash into a wall, the damage to your car is usually covered only if you have collision cover. Standard or basic third-party insurance will not cover the cost. Here is what you need to know:

    • 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.
    • Deductible consideration: While collision coverage can cover damages, policyholders may still be responsible for paying a deductible before the insurance coverage takes effect.

    Why opt for physical damage car insurance?

    Some reasons to consider physical damage cover:

    • Protection from accidents, whether it’s your fault or not.
    • Covers non-collision events like floods, storms, fire or theft.
    • Many insurers also offer tow truck services or a temporary car while yours is fixed.

    Conclusion

    If your car is new or you want better protection from unexpected costs, comprehensive car insurance that covers physical damage is often worth the extra cost. It helps pay for repairs to your car, though it won’t fix the wall itself (unless it’s someone else’s and you have third-party cover).

    If you are unsure about what kind of cover you have, or if you are thinking about improving your current policy, help is available. Fill out the form on this page to get car insurance advice based on your situation.


    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.

  • High Security Registration Plates (HSRP) for Uttar Pradesh Vehicle Registration

    by User Not Found | Oct 21, 2024

    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.

  • High Security Registration Plates (HSRP) for Sikkim Vehicle Registration

    by User Not Found | Oct 21, 2024

    Sikkim is boosting vehicle security with High-Security Registration Plates (HSRPs). The state government has introduced a new system to combat carjacking and vehicle-related crimes. The general idea is about keeping things organised on the roads.

    Every four-wheeler vehicle owner should know about the HSRP Sikkim registration process. It makes traffic management smoother and enhances vehicle protection. Learn more about it here. 

    Benefits of HSRP Number Plate in Sikkim

    HSRP number plates bring a range of benefits for vehicle owners and the state. Here are some benefits:

    1. HSRP plates feature advanced security measures. They are tamper-proof and hard to counterfeit. This reduces the risk of theft and misuse.
    1. The plates are made from high-quality materials. They are resistant to wear and tear. These plates don't fade or deteriorate quickly. This ensures that the information stays legible for a longer time.
    1. It is also compatible with electronic toll collection systems. Further, they can be integrated with other innovative city initiatives. This integration helps improve traffic control in Sikkim.
    1. Implementing HSRP helps Sikkim align with national vehicle identification standards. This alignment facilitates smoother inter-state movement. It can also help avoid legal pitfalls or snags. It simplifies the task of managing and controlling all automobiles, including cars. HSRP also makes the task of overseeing fleets and monitoring motorcades across state borders easier.
    1. The centralised database with HSRP helps manage vehicle-related documentation. It also simplifies four-wheeler insurance renewal processes while making ownership transfers easier.
    1. These plates can reduce accidents caused by fake or tampered number plates. These plates are harder to alter or copy as counterfeits, thus improving overall road security.
    1. The plates have a reflective quality that makes them highly visible in low light. This facilitates rapid identification in critical situations.

    Colour Code of High-Security Registration Plate in Sikkim

    The chromatic scheme aligns with the national norms. The Ministry of Road Transport and Highways has designed the codes. The colour codes play a vital role in facilitating rapid visual detection of vehicle types and categories. They enable quick and accurate recognition. This system ensures uniformity and clarity. Here are the details:

    1. Private vehicles have white number plates with black lettering. This includes personal cars, motorcycles, scooters, etc.
    1. Commercial vehicles in Sikkim use yellow number plates with black text. This includes taxis, buses, trucks, etc. The yellow plates indicate that the vehicle is used only for trade purposes.
    1. Self-drive rental cars in Sikkim have black number plates with yellow text. This colour scheme makes them easily distinguishable. It helps set them apart from both civilian and work vehicles. The distinctive plates improve vehicle identification and management.
    1. Official government vehicles in Sikkim use white number plates with red text. This colour scheme is a recognisable hallmark of cars owned by the state. 
    1. Army vehicles in Sikkim have number plates with white text on a black background. This design serves as a clear indicator of their army affiliation.

    How to Apply for a High-Security Number Plate in Sikkim

    The registration process is hassle-free. A user-friendly roadmap is available to navigate the HSRP Sikkim registration process:

    1. Online Application

    Visit the official website of the Sikkim Transport Department. Click on the HSRP application section. Fill in the required details, including the vehicle registration number, chassis number, engine number, and more. Upload scanned copies of necessary documents such as registration certificate, insurance certificate, etc.

    Pay the fee online. Once done, a receipt containing a one-of-a-kind application token is issued. Download it for future reference.

    1. Offline Application

    Visit your nearest Regional Transport Office in Sikkim. Collect the HSRP application form from the counter. Fill out the form with accurate details about your vehicle and personal information.

    Attach copies of the essential records. Hand in the form and fee at the counter. You will get a receipt with a reference number to track your request.

    1. Plate Manufacturing

    Once the file is cleared, your HSRP will be fabricated. It usually takes 5-7 days for completion.

    1. Installation

    A notification is sent via SMS or email as soon as your plate is ready. Take your vehicle to the specified fitment centre on the scheduled date. Accredited technicians will fix the number plate on the car.

    How to Check the Status of HSRP Number Plate in Sikkim

    This Sikkim HSRP application status can be monitored with these steps:

    1. Online Status Check:

      Open the Sikkim Transport Department's official site. Click on the "HSRP" tab. Select "Status Check" from the drop-down menu. Fill in the application number or vehicle registration number and click "submit”. The application status will pop up on the screen.
    1. SMS Service:

      Send an SMS to the number provided by typing "HSRP Application Number". A text message will be received with an application status update.
    1. Email Notifications:

      Check your email inbox regularly for notifications. Check the spam folder as well.
    1. RTO visit:

      Check the status of the HSRP application in person by visiting the RTO office. Remember to take along the application number and the vehicle registration number.
    1. Helpline:

      The Sikkim Transport Department may have a dedicated customer support hotline. Call them.

    How to Apply for a Duplicate HSRP Number Plate in Sikkim

    Is your HSRP lost or stolen? You need to apply for a clone plate, if so. Follow the process to procure a duplicate HSRP. Here are some procedures:

    1. Notify the Police: If your HSRP is missing, start by filing an FIR at the nearest police station.

    If your plate is damaged, submit a personal affidavit at the RTO.

    1. Online Application: Access the official HSRP Sikkim portal webpage.

    Navigate to the “Apply for Duplicate HSRP” section. Fill in the required details, including the vehicle registration number and reason for replacement.

    1. Upload scanned copies of the documents, such as original vehicle Registration Certificate (RC), valid insurance certificate, Police FIR (in case of theft) or self-declaration (in case of damage), identity proof, and address proof.
    1. Pay the prescribed fee online.
    1. Offline Application:

    Visit your local RTO office. Collect and fill out the duplicate HSRP application form manually. Submit the form along with the required documents. Submit the required payment at the RTO fee counter. 

    1. Update records: Verify whether your vehicle's documentation is revised. This should reflect the new HSRP information. Precise HSRP details are crucial. They authenticate your four-wheeler insurance policy.

    It is unlawful to ride a vehicle in Sikkim without a proper number plate. Don't delay if your plate has gone astray. Take action now.

    Conclusion

    The implementation of HSRP Sikkim is a significant leap in vehicle administration and safety. By understanding the process, owners can ensure compliance. You can also enjoy enhanced surveillance on vehicles.

  • HSRP in Maharashtra: Benefits, Cost, Process and Penalties Explained

    by User Not Found | Oct 21, 2024

    Updated on 14 Dec 2025

    Every vehicle owner in Maharashtra must follow the rules of vehicle registration. In recent years, a special type of number plate called the High-Security Registration Plate (HSRP) has been made compulsory for all vehicles in the state. These number plates are safer, more uniform and more difficult to fake compared to the older plates. In this blog, we will look at what an HSRP is, how to apply for it and the penalties for not having one.

    Benefits of an HSRP number plate in Maharashtra

    The following are the advantages of installing an HSRP number plate in Maharashtra:

    1. Tamper-proof design

    HSRP number plates are made of high-grade aluminium and are laser-engraved with a unique identification number. Moreover, a chromium-based hologram is embossed, which offers high resistance to tampering or forgery. This immensely reduces vehicle theft and other crimes associated with vehicles.

    2. Better vehicle identification

    HSRP plates enable easy identification of any vehicle. The unique number, coupled with laser-etched details, makes law enforcement authorities' jobs easier, facilitating faster tracking and verification.

    3. Legal compliance

    HSRP is compulsory in Maharashtra. By installing it, one can avoid fines and penalties.

    4. Road safety and regulation

    With all vehicles fitted with uniform, legible and tamper-proof number plates, it becomes easier to enforce traffic rules and regulations. It helps in developing a more streamlined and safe road system for all road users.

    5. Supports new technologies

    It also supports many new technologies, such as GPS tracking systems, and is detectable by ANPR-enabled cameras.

    Colour code of High-Security Registration Plate in Maharashtra

    High-Security Registration Plates with colour codes have made it easy to identify the fuel type of a vehicle. The feature facilitates traffic management and easy environmental regulation. Here are the colour codes of HSRP Maharashtra explained:

    Blue sticker

    It refers to a petrol or CNG-run vehicle. This code helps authorities to easily detect which vehicle is running on what kind of fuel. It is particularly beneficial when a specific type of fuel is restricted for environmental reasons.

    Orange sticker

    The orange sticker is pasted on the HSRP of diesel vehicles. Such colour coding supports an emission check during regulatory actions and other initiatives that target the management of diesel engine pollution.

    Green sticker

    Electric vehicles are fast becoming a popular, cleaner alternative to traditional fuel ones and come endowed with a green sticker, facilitating environmental awareness and encouraging the use of eco-friendly vehicles.

    Green strip for BS6 vehicles

    All Bharat Stage 6-compliant vehicles must have an additional green strip at the top of the HSRP plate. That will segregate a vehicle as being BS6-compliant. This means the vehicle runs with the latest and strictest emission norms set by the government, thus contributing towards lower pollution.

    How to apply for a High-Security Number Plate in Maharashtra

    The application process for HSRPs in Maharashtra is straightforward and can be done online as well as offline:

    Online process

    In Maharashtra, you can apply for a High-Security Registration Plate (HSRP) through the official state website or the BookMyHSRP portal. Select your vehicle type, enter details like registration, chassis and engine numbers, and choose an authorised fitment centre.

    After making the online payment via card, UPI or net banking, you’ll receive a confirmation with the installation date and location. On the scheduled day, visit the centre with your vehicle and receipt, where the vendor will fit the HSRP using snap locks and update it in the central database.

    Offline process

    To get an HSRP offline, visit an authorised centre and provide your vehicle details, including registration, chassis and engine numbers. Select a fitment location, make the payment at the centre and schedule an installation date. On the chosen day, take your vehicle to the centre, where the vendor will fix the HSRP and confirm its registration in the central database.

    How to check the status of the HSRP number plate in Maharashtra

    Here is how to check the status of the HSRP number plate Maharashtra application status:

    • Visit the official website of "Book My HSRP".
    • You will find "Track Your Order" on the homepage.
    • Enter your order number, vehicle registration number and Captcha code.
    • Fill in the details correctly, and click the "Search" button to get the current status of your application.
    • The website will display the current status of your HSRP application - pending, processed, or if there are any issues.
    • If your application is approved, you may also see information about your scheduled fitment date and location.
    • Pay the necessary fee and download or print your payment receipt.
    • If you notice any errors in your application status, contact the support team to request corrections or updates.
    • Keep track of any further notifications or updates from the website regarding your HSRP application to ensure timely installation.
    • Reach the fitment centre on the due date with all the required documents to complete the installation of your HSRP.

    Cost of HSRP in Maharashtra

    The cost of an HSRP in Maharashtra is not the same for all vehicles. It depends on the type of vehicle and whether it is a two-wheeler, three-wheeler or four-wheeler:

    • Two-wheelers: ₹531
    • Three-wheelers: ₹590
    • Four-wheelers: ₹879

    How to apply for a duplicate HSRP number plate in Maharashtra

    If you require a duplicate HSRP Maharashtra, follow these steps:

    • Official portal: Visit the official portal of "Book My HSRP".
    • Select replacement option: From the website menu, select "Replacement/Retain/Transfer".
    • Vehicle details: Fill in the required information, such as the vehicle registration number, chassis number, engine number and Maharashtra as your state.
    • Make an appointment: Choose a date and set a time for your appointment related to the fitting of the duplicate plate on your vehicle.
    • Make payment: Complete the payment process online. You will receive a confirmation notification via email or SMS.
    • Visit the fitment location: On the scheduled date, visit the designated location for the fitment.
    • Bring necessary documents: Ensure you have all required documents, including your original vehicle registration certificate and proof of payment, when visiting the fitment centre.
    • Verify duplicate plate: After installation, verify that the duplicate plate is correctly fitted and matches your vehicle's registration details.
    • Check for confirmation: Confirm that you receive a receipt or confirmation of the fitment from the service provider.

    Penalty for not having an HSRP in Maharashtra

    Driving without a High-Security Registration Plate is treated as a serious traffic offence in Maharashtra. To ensure that all vehicle owners follow the rule, strict fines are in place:

    • First-time offenders: A fine of ₹5,000 for the first offence.
    • Repeat offenders: A fine of ₹10,000 for subsequent offences.

    Just like having an HSRP is mandatory, it is also compulsory for every vehicle owner to have at least third party car insurance. This type of cover protects you from legal and financial troubles if your vehicle causes damage to another person or their property.

    Conclusion

    The High-Security Registration Plate is a big step towards safer and more organised roads in Maharashtra. It brings many benefits, like better security, prevention of fake plates, easy identification and uniformity. Applying for an HSRP is a simple process, and the cost is reasonable compared to the security it provides.

    While you make your vehicle safer with an HSRP, don’t forget about another important protection: getting a car insurance policy. The right insurance can save you from heavy repair costs, accidents and unexpected risks on the road. For personalised advice, simply fill out the form provided on this page and get guidance on choosing the best car insurance for your needs.

    FAQs

    Can I buy an HSRP from any shop?

    No. Only authorised centres are allowed to issue and fit HSRPs. General shops are not permitted.

    Is the colour-coded sticker also compulsory?

    The fuel-type sticker is part of the HSRP system and must be placed on the windscreen of your vehicle.

    What should I do if my HSRP gets stolen or damaged?

    You should apply for a duplicate plate through the official HSRP portal as soon as possible. Driving without one can lead to penalties.

    What makes an HSRP different from a normal number plate?

    An HSRP is made of aluminium and comes with a unique laser code, hot-stamped numbers and a non-removable snap lock. These features make it tamper-proof and harder to duplicate compared to ordinary plates.

     


    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.

  • High Security Number Plates in Madhya Pradesh: A Complete Guide for Vehicle Owners

    by User Not Found | Oct 21, 2024

    Updated on 26 Dec 2025

    High Security Registration Plates (HSRPs) are tamper-proof number plates introduced to enhance vehicle security and standardise vehicle registration across India. The Ministry of Road Transport and Highways (MoRTH) has made HSRPs mandatory for all vehicles, including those registered before 2019. In Madhya Pradesh, vehicle owners must ensure their vehicles have HSRPs to comply with the state and central government’s directives.

    Benefits of HSRP in Madhya Pradesh

    HSRPs come with advanced security features that distinguish them from conventional number plates. Vehicle owners in Madhya Pradesh benefit from it in multiple ways:

    • Enhanced security: HSRPs are made with high-grade aluminium and embossed with a hot-stamped chromium-based hologram. It is a next-to-impossible job to duplicate or tamper with it, thereby reducing risks of vehicle theft and other nefarious activities.
    • Standardisation: Uniformity in HSRPs' design and standardised hologram features allows authorities to maintain a centralised database of registered vehicles, improving tracking and enforcement.
    • Easy identification and tracking: HSRPs bear a unique identification number, which facilitates easier tracking of stolen vehicles or those used in illegal

    Although HSRPs increase security and help retrieve stolen vehicles, it is beneficial to have a comprehensive car insurance policy that compensates for incidents other than theft, like third-party liabilities and damage from accidents, natural calamities and some man-made disasters. This will help reduce the financial burden on you.

    Colour code of high-security registration plate in Madhya Pradesh

    Every HSRP follows a colour-coding system that differentiates the type of vehicle and its purpose. The number plate colour code includes the following:

    • White background with black letters: Private vehicles
    • Yellow background with black letters: Commercial vehicles
    • Green background with white letters: Electric vehicles
    • Blue background with white letters: Diplomatic or foreign mission vehicles.
    • Green strip running at the top of the HSRP: The Bharat Stage 6 emission norm-compliant vehicles.

    This system allows traffic authorities and other stakeholders to quickly identify the vehicle category.

    How to apply for a high-security number plate in MP?

    Applying for an HSRP in Madhya Pradesh is a straightforward process. Vehicle owners should follow the steps below:

    • Official website

    Log on to the official website of "Book My HSRP".

    • Select the relevant option

    Choose “High-Security Registration Plate with Colour Sticker”

    1. Select state
      Choose Madhya Pradesh in the list of states from the drop-down menu.
    2. Vehicle details
      Submit the vehicle registration number, chassis number, engine number and other details as asked.
    3. Manage fitemnt location and appointment slot
      Choose the preferred location and date for installation of the HSRP number plate in Madhya Pradesh.
    4. Make the payment
      Pay for the HSRP plate. You can pay via credit/debit cards, net banking or UPI.
    5. Receive confirmation
      After successful payment, a confirmation message is received stating appointment details along with the receipt for the transaction.
    6. Visit the centre
      Visit the selected installation centre with your vehicle on the appointment date. An authorised person at the centre will install the HSRP number plate.

    How to check the status of an HSRP in Madhya Pradesh?

    Once you apply for an HSRP, you can track its status by following the steps below:

    1. Visit the website
      Open the official website of "Book My HSRP".
    2. Choosed the option
      Click on the option ‘Track your order’ on the home page.
    3. Personal details
      Fill in the order number and vehicle registration number. Input the captcha code and click on "Search".
    4. Status
      The present status of your HSRP application will appear, indicating whether the plate is ready for fitting, pending payment or if there is any problem in the application.

    Cost of HSRP in Madhya Pradesh

    The cost of HSRPs in Madhya Pradesh is regulated and depends on the type of vehicle.

    For two-wheelers, the charge is around ₹400–₹500 and for four-wheelers, it is ₹800–₹1,000.

    The price may vary slightly depending on the vehicle class and category. Payment is usually done online during application booking, reducing manual processing.

    How to apply for a duplicate HSRP in MP?

    If your HSRP is lost, damaged or stolen, the steps for applying for a duplicate plate are as follows:

    1. Visit the official website
      Visit the official website of "Book My HSRP" and click on the option ‘Replacement/Retain/Transfer’.
    2. Select a state and provide vehicle details
      Choose your state as Madhya Pradesh. Enter the vehicle registration number, chassis number, engine number and other information that may be sought.
    3. Location and slot for appointment
      Choose the location and slot for the appointment for fitting the duplicate high-security number plate.
    4. Make payment
      Pay for the duplicate HSRP online using a credit card, internet banking or UPI.
    5. Confirmation
      After receiving the payment confirmation message, download the payment receipt.
    6. Visit the installation centre
      On the due date, visit the chosen installation centre with your vehicle and the required documents. An authorised personnel will fit the duplicate HSRP.

    Penalty for not having HSRP in Madhya Pradesh

    Driving without an HSRP in Madhya Pradesh can result in challans as per the Motor Vehicles Act. The fine for not affixing an HSRP can range from  ₹ 5,000 to  ₹ 10,000.

    Conclusion

    The introduction of High Security Registration Plates has streamlined the vehicle registration system, making it more secure and transparent. With features such as laser codes, non-removable locks, and colour codes, HSRPs play a vital role in vehicle identification and law enforcement.

    While you take the necessary steps to get HSRP for your vehicle and stay road legal, let us take the initiative to protect your ride with a car insurance policy. Fill out the form on this page to get personalised advice on choosing the right plan for your needs.

    FAQs

    • Is HSRP mandatory for old vehicles in Madhya Pradesh?

    Yes, the Ministry of Road Transport and Highways has made HSRP mandatory for all vehicles, regardless of the year of registration.

    • Can I choose any dealer for HSRP installation in Madhya Pradesh?

    No, only government-approved dealers and RTO-authorised centres are allowed to issue and fit HSRPs.

    • How long does it take to receive the HSRP after application?

    The processing time varies, but generally, it may take a few days to a couple of weeks to get the HSRP, depending on demand and location.

    • Can I transfer my HSRP if I sell my vehicle?

    No, the HSRP is unique to the vehicle and remains with it even if ownership changes.


    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.

  • High security number plates in Jharkhand: Know in detail

    by User Not Found | Oct 21, 2024

    Updated on 26 Dec 2025

    Number plates are more than a vehicle identifier; they are an important part of road safety and law enforcement. High Security Registration Plates (HSRP) have replaced traditional plates with a design that is stronger, standardised and difficult to tamper with. HSRPs carry security features such as laser codes and snap locks, which may reduce number plate misuse and help authorities track vehicles more effectively.

    This blog covers everything vehicle owners in Jharkhand need to know about HSRP.

    Benefits of HSRP in Jharkhand

    The HSRP offers significant benefits for vehicle owners. Let us see what these are:

    Enhanced security:

    With non-removable snap-latches and a unique laser-encoded number, every HSRP is almost impossible to reproduce or remove. This security mechanism greatly lowers the possibility of illegal copying of number plates and vehicle theft.

    Durability:

    HSRPs are made using high-quality aluminium. This is to ensure they can endure harsh environmental conditions without fading or deteriorating. This durability enhances the longevity of the plates. It helps maintain legibility and condition over time.

    Legal compliance:

    Installing an HSRP is not just about enhancing security. It is a legal requirement in Jharkhand. Compliance with this regulation helps vehicle owners avoid potential fines and legal issues. It also helps make sure that their vehicles are fully registered and recognised by law enforcement and other relevant authorities.

    Improved vehicle identification:

    The unique identification number on each HSRP simplifies the process of vehicle verification and tracking. This is crucial regarding the recovery of stolen vehicles. It also helps authorities monitor and prevent illegal activities involving vehicles.

    Road safety assurance:

    The clear and visible identification provided by HSRPs aids in better enforcement of traffic laws. Authorities can easily track and manage vehicles involved in traffic violations or accidents. This helps contribute to overall road safety in the state.

    Colour code of High-Security Registration Plate in Jharkhand

    HSRP Jharkhand features a colour-coding system to facilitate quick and accurate vehicle identification. We need to understand it better:

    Private vehicles:

    They display white plates with black lettering.

    Commercial vehicles:

    These vehicles have yellow plates with black lettering.

    Official vehicles:

    • These are marked with red plates and white lettering.
    • This coding simplifies the recognition process. It also aids in the enforcement of traffic laws and regulations. Each colour corresponds to different vehicle types, ensuring a straightforward identification process for traffic authorities and simplifying administrative procedures.
    • In addition to these, the HSRPs in Jharkhand include colour-coded stickers that indicate the fuel type of the vehicle. They are affixed to the windscreen. This system helps in environmental monitoring and management. They include:

    Blue stickers:

    Denote vehicles running on petrol or CNG.

    Green stickers:

    Identify electric vehicles.

    Orange stickers:

    Indicate diesel-powered vehicles.

    For vehicles compliant with Bharat Stage 6 (BS6) emission standards, a green strip is also displayed at the top of the HSRP. This helps in quick recognition and compliance checks. This comprehensive approach to vehicle identification through HSRPs ensures improved regulatory compliance, better traffic management, and supports environmental policies.

    How to apply for a High-Security Number Plate in Jharkhand?

    Applying for a High-Security Number Plate, Jharkhand is a streamlined process. It enhances the security compliance of your vehicle. Let us see how to do it.

    • Website Navigation:
      Start by visiting the official "Book My HSRP" website. It is dedicated to HSRP applications.
    • Selecting the Service:
      Choose the "High-Security Registration Plate with Colour Sticker - Book" option to initiate your application.
    • Entering Vehicle Details:
      Enter all necessary information precisely: the chassis number, registration number, engine number unique to Jharkhand. This ensures your application for the correct vehicle is processed.
    • Scheduling an Appointment:
      Select a convenient appointment slot and location for installing the HSRP. This flexibility helps accommodate your schedule and availability.
    • Payment:
      Complete the application by making the necessary payment online. This finalises your booking for the HSRP.
    • Confirmation and Installation:
      You will receive a confirmation notification on your registered mobile number after payment. You will be notified again once your HSRP is ready for installation. This guarantees that you remain updated all through the procedure.

    How to check the status of an HSRP in Jharkhand?

    After applying, applicants may track the progress of their order online to avoid unnecessary waiting.

    Steps to check the status are:

    • Access the portal:
      Access the official "Book My HSRP" website. It acts as Jharkhand's consolidated hub for all HSRP-related offerings.
    • Go to tracking:
      Locate the "Track your order" option on the homepage. This feature is specifically designed to provide real-time updates on the status of your HSRP application.
    • Enter application details:
      Input your order number and vehicle registration number in the designated fields. These details are crucial as they uniquely identify your application among others.
    • Complete the security check:
      Enter the captcha to verify your request. This step ensures the security of your data and confirms that a human is enquiring.
    • Submit and view status:
      Click on the "Search" button to submit your enquiry. The status of your HSRP will be displayed immediately. It will show you the present status of your number plate application.
    • Actions for follow-up:
      Sometimes, you might need to do more, such as call customer service or set up a time for delivery, regardless of your application's status.

    Cost of HSRP in Jharkhand

    The cost of HSRP is not the same for all vehicles. It depends on the category of vehicle.

    • Two-wheelers: ₹400 – ₹600
    • Private cars: ₹800 – ₹1,200
    • Commercial vehicles: ₹1,000 – ₹1,500
    • Colour stickers: ₹100 – ₹150

    Payment is made online during the application. Charges may vary slightly across categories.

    How to apply for a duplicate HSRP in Jharkhand?

    Losing or damaging your HSRP plate makes applying for a new one non-negotiable. Let us understand how you can secure a replacement:

    • Visit the official website:
      Access the "Book My HSRP" portal dedicated to managing HSRP services in Jharkhand.
    • Initiate replacement process:
      For situations where an HSRP needs to be given again, click on the "Replacement/Retain/Transfer" button.
    • Enter your vehicle details:
      You have to enter important details about your car. This includes the engine number, chassis number, and license number. It will also ask you to choose where in Jharkhand you live.
    • Complete the verification:
      Type in the captcha to make sure you are human and move on to the next step.
    • Choose appointment slot:
      Select a convenient place and time slot for the installation of your new HSRP. This step will help ensure the process fits into your schedule without hassle.
    • Make payment:
      Finalise your application by paying the specified fee for the duplicate plate. This fee covers the cost of producing and installing the new HSRP.
    • Receive confirmation:
      After you pay, you will get a confirmation text or email on the number you provided. This will include information about your meeting and how to proceed.

    Penalty for not having HSRP in Jharkhand

    Failing to install a High Security Registration Plate (HSRP) in Jharkhand may result in financial and legal consequences like:

    • The state may impose a fine ranging from ₹5,000 for the first offence to ₹10,000 for repeat offenders. Vehicles might also be impounded in severe cases.
    • Authorities conduct regular checks in partnership with the police to enforce compliance, leading to higher adherence over time.

    Avoiding fines is only one part of responsible ownership. Road accidents or damages may also bring sudden expenses. This is why choosing the right car insurance in Jharkhand is important, as it provides financial security in case of unexpected events.

    Conclusion

    High Security Registration Plates are now an essential part of vehicle ownership in Jharkhand. They bring better security, standardisation, and transparency to road transport systems. Timely application, correct usage, and regular checks for status updates may prevent legal penalties.

    While you focus on keeping your vehicle compliant and safe, it is equally important to secure yourself financially against risks on the road. Get tailored comprehensive car insurance advice and solutions by filling out the form provided on this page. This extra step may protect both you and your vehicle from unexpected expenses.

    Frequently asked questions

    • Is HSRP compulsory for all vehicles in Jharkhand?

    Yes, HSRP is required for every vehicle, old and new.

    • How long does it take to receive the HSRP after applying?

    It usually takes a few days to a couple of weeks, depending on processing.

    • Can I transfer my HSRP to another vehicle?

    No, HSRP is unique to a single vehicle and cannot be transferred.

    • What documents are needed to apply for HSRP in Jharkhand?

     The registration certificate, vehicle details, and payment details are required.

    • Do I need to visit the centre for fitment?

    Yes, HSRP can only be fixed at an authorised centre to ensure proper sealing.


    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.

  • High Security Registration Plates (HSRP) for Goa Vehicle Registration

    by User Not Found | Oct 21, 2024

    The High-Security Registration Plate (HSRP) is a licence plate for vehicles that come with features to aid security and ensure compliance. While HSRP is mandatory for all, it should be applied for by owners of old vehicles. Vehicles manufactured after 1st April 2019 come fitted with it.

    Benefits of HSRP Number Plate in Goa

    Beyond being a mandatory requirement, these advanced number plates should also be opted for their many benefits. Your HSRP number plate Goa will yield you the following benefits-

    1. Security:

      HSRPs bear a unique identification number that helps track down vehicles in case they are lost or stolen. Such foolproof measure of security also deters thefts because of the high probability of being traced.
    2. Tamper-proof:

      With advanced features built-in to these modernised licence plates, the possibility of counterfeiting them is also significantly reduced. HSRPs can only be obtained after providing complete details of the vehicle, which means no one except the owner can initiate the registration process.
    3. Legal mandate:

      The legal requirement for HSRPs to be installed on every vehicle in India also serves the purpose of streamlining the registration process. This helps maintain a comprehensive database of vehicles, bringing in accountability.
    4. Regulation:

      HSRPs aid the essentialness of regulation through their advanced features, prompting quick readability, clear detection, and definite identification.

    Colour Code of High-Security Registration Plate in Goa

    HSRP Goa also comes with a colour-coded sticker that can be purchased as part of the full set or separately. It is called the Third License Plate sticker and bears information such as registration number, front/rear LID numbers, registering authority details, and fuel type of the vehicle.

    These stickers come in three different colours depending on the fuel type of your vehicle and are affixed on the top left corner of the windshield. It also serves the purpose of identification apart from specification. The colour code of HSRP Goa corresponds as under:

    1. Blue:

      Petrol or CNG Fuel type
    2. Green:

      Electric Vehicles
    3. Orange:

      Diesel Fuel Type
    4. Green Strip on top (additional) :

      BS6-compliant Vehicles

    Having a high-security number plate along with the colour-coded sticker is a must for all vehicles in Goa, as it is in the other states of the country.

    How to Apply for a High-Security Number Plate in Goa

    Application for a High-Security Number Plate can be done either online or in offline mode. Here's the online application process for obtaining your Goa HSRP number plate-

    1. Visit the official website of "Book My HSRP".
    2. Select the "High-Security Registration Plate with Colour Sticker" option by clicking on the "Book" option.
    3. You will be asked to provide information about your vehicle. Select the state in which the vehicle is registered (Goa in this case) and enter the registration number, chassis number, and engine number.
    4. After submitting the details, you will be required to select the fitment location and appointment slot to receive the HSRP number plate.
    5. Pay the HSRP fee as applicable depending on the category of your vehicle.
    6. Print out the payment receipt or download it for future reference.
    7. Once your HSRP is ready, you will receive it at a predetermined time and location.

    How to Check the Status of HSRP Number Plate in Goa

    You can track the application status of the HSRP for your Goa-registered vehicle through the following steps:

    1. Go to the Homepage of the "Book My HSRP" website.
    2. Select the "Track Your Order" option by clicking on "Track".
    3. Enter your Order Number and Vehicle Registration Number and click on "Search".
    4. The details of your HSRP number plate application status will be displayed on the screen.

    The option to track your HSRP application status is a helpful feature since it ensures that you do not miss out on receiving this important requirement. There is an option to reschedule your appointment if you are not in a position to receive the HSRP delivery at the stipulated time and location. However, you must possess the receipt for payment of the fee to be able to shift your appointment slot.

    How to Apply for Duplicate HSRP Number Plate in Goa

    While HSRP number plates are generally durable and retain the clarity of their features for a sufficient period, it is necessary to replace them when they are damaged. Replacement will also be necessary in case you lose the HSRP plate or it is stolen on rare occasions. Here's how you can apply for obtaining a duplicate Goa HSRP number plate:

    1. Revisit the "Book My HSRP" website.
    2. Select the "Replacement/ Retain/ Transfer" option by clicking on "Book".
    3. Select your state as Goa. You will then need to provide your vehicle details for the booking process to commence. This includes inputting the registration number, chassis number, and engine or motor number of your vehicle.
    4. Submit the details and select a fitment location and appointment slot at your convenience.
    5. Pay the required fees as is necessary to complete the application for a duplicate HSRP.
    6. Print out the payment receipt and wait for your HSRP set to be ready and delivered.

    Conclusion

    The HSRP and the colour-coded sticker are a must for vehicles to be legally operational in India. The HSRP application can be processed either offline or online. Also, make sure to search for car insurance online and opt for a plan that provides comprehensive coverage of your vehicle.

  • High Security Registration Plates (HSRP) for Assam Registration

    by User Not Found | Oct 18, 2024

    Are you considering upgrading to a High-Security Registration Plate (HSRP) in Assam? We are here for you with a detailed guide to navigate the registration process smoothly. Follow these steps to make sure that your vehicle is equipped with the latest in security and compliance. It will safeguard you against theft and fraud. Let’s read and start your application today to enhance your vehicle's security!

    Benefits of HSRP Number Plate in Assam

    HSRP Assam offers several substantial benefits. It improves vehicle security and regulatory compliance. Let us understand its advantages further:

    1. More Security:

      HSRP number plate Assam are crafted from aluminium. This makes them tamper-proof and dissuades unauthorised use or theft. The unique design features of HSRP include non-removable snap locks. They significantly deter theft as these plates are virtually impossible to remove or tamper without causing them visible damage.
    2. Durability:

      HSRPs are constructed from high-grade materials. Their construction is meant to resist very severe conditions. The manufacturer also ensures they remain intact and legible over long periods regardless of environmental stressors.
    3. Standardisation and Easy Identification:

      These plates ensure a uniform pattern across all vehicles, which simplifies identification and monitoring processes. Each plate features a unique identification number. This is crucial for quick verification purposes as it helps authorities efficiently track any vehicle involved in illegal activities or traffic violations.
    4. Legal Compliance:

      Vehicle owners adhere to the mandatory regulations set by Assam’s transportation laws when they install HSRP plates. This helps avoid potential fines associated with non-compliance.
    5. Road Safety Enhancement:

      The distinct identification number on each HSRP allows for easier tracking of vehicles that violate traffic rules or are involved in accidents. This way, it helps maintain road safety.

    Colour Code of High-Security Registration Plate in Assam

    High-Security Number Plate Assam has a structured colour coding system. It ensures easy and quick vehicle identification. Let us understand in more detail.

    1. Private Vehicles:

      These vehicles feature white plates with black text. This is standard for personal-use vehicles.
    1. Commercial Vehicles:

      They are identified by yellow plates with black text. These vehicles are used for businesses and transport services.
    1. Official Vehicles:

      The vehicles used by government entities have red plates with white text.

    HSRPs in Assam also include colour-coded stickers fixed to the vehicle's windscreen. This indicates the fuel type:

    1. Blue Stickers:

      Denote vehicles that run on petrol or CNG.
    1. Green Stickers:

      Assigned to electric vehicles, highlighting their eco-friendly nature.
    1. Orange Stickers:

      Indicate diesel fuel usage in vehicles.

    Vehicles compliant with BS6 emission standards are also distinguished by a green strip at the top of the HSRP. This comprehensive colour coding facilitates vehicle differentiation. It also aids law enforcement and regulatory authorities in quickly verifying and monitoring vehicles. The color-coding system supports regulatory compliance and is important for traffic control.

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

    Applying for Assam's online HSRP is really easy. Let us see how you can go about it.

    1. Go to the Official Website:

      Visit the 'Book My HSRP' official website. This is your starting point for the application process.
    1. Booking the Plate:

      Go to the 'book' option located under the 'High-Security Registration Plate with Colour Sticker' section on the website.
    1. Enter Vehicle Details:

      Add required information such as the registration number of your car, chassis number, and engine number. You will also have to finish a captcha to go forward.
    1. Choose Appointment and Location:

      Select a convenient appointment date and the location where you would like the HSRP to be installed. This will help make sure that the plate will be fitted at a time and place that suits you.
    1. Payment:

      Complete the payment for the HSRP online. This is the last stage of finishing your application.
    1. Notification of Installation:

      Your registered mobile number will be notified of a ready-for-installation HSRP alert.
    1. How to Check the Status of HSRP Number Plate in Assam?

    Monitoring the status of your HSRP application in Assam is straightforward. Here is how you can check the progress of your HSRP number plate online:

    1. Access the Official Website:

      Visit the 'Book My HSRP' official website. This site manages all aspects related to HSRP applications.
    1. Locate the Tracking Feature:

      Seek the 'track your order' part on the homepage. Usually found on the right side of the screen, this choice is conveniently reachable.
    1. Enter Required Details:

      You will have to input specific details to track your order. Enter your order number and vehicle registration number, and then solve the captcha to proceed. These details help you retrieve the specific status of your application.
    1. Submit Your Inquiry:

      Click on the 'search' button after you enter all necessary information. This will process your inquiry and display the current status of your HSRP number plate.
    1. View Status:

      The status of your HSRP will be shown on the screen. The site will provide you with up-to-date information regarding the processing and readiness of your high-security number plate.

    How to Apply for Duplicate HSRP Number Plate in Assam?

    Here are the clear steps on how to get a replacement for your HSRP plate when it gets lost or damaged:

    1. Report the Loss or Damage:

      First, report the loss or damage of your original HSRP to the nearest Regional Transport Office (RTO) in Assam. This is an important step to ensure the issue is officially logged and to prevent any misuse of the lost or damaged plate.
    1. Visit the Official Website:

      Go to the 'Book My HSRP' website. It handles all HSRP-related services in Assam.
    1. Select Replacement Options:

      Find and click on the 'Replacement/Retain/Transfer' option on the website. This section is specifically for those looking to replace their number plates.
    1. Enter Vehicle Details:

      You will have to enter specific details about your vehicle. Fill in the vehicle registration number, chassis number, engine number, and solve the captcha. You should also make sure that these details are accurate is essential to process your replacement.
    1. Choose Appointment and Payment:

      Select a preferred date and time slot for the installation of the new HSRP after entering all the details. Following this, proceed to make the payment for the duplicate plate. The system will guide you through the payment process and make sure that it is secure and successful.
    1. Receive Notification:

      You will receive a notification on your registered mobile number about the readiness of your new HSRP for installation. This happens once your application is processed and the payment is complete.

    Conclusion

    Switching to an HSRP in Uttarakhand improves the security of your vehicle significantly. Begin your application now to take advantage of a robust and secure registration system. It is designed to protect and simplify vehicle identification. Also, make sure to check on your car insurance online and keep it updated.

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