Has your car's dashboard ever flashed a symbol you couldn't understand? These icons are crucial alerts from your vehicle, indicating various issues, from engine malfunctions to low fuel. Understanding these symbols is essential for maintaining your car’s health and ensuring your safety on the road. Let's explore these symbols and what they signify.

What are Car Warning Symbols?

Warning symbols alert you to various conditions of your car’s systems. Let us look at their function in detail:

• Communication Role:

  These symbols are part of your car's on-board diagnostics system. They alert you to potential issues that require attention.

• Safety and Function:

  These symbols help prevent vehicle damage and ensure passenger safety by alerting drivers to problems. They play a critical role in the car's functionality.

• Colour Significance:

  Each colour displayed on the dashboard has a specific meaning. They guide the urgency of your response.

• Red:

  A red light signals severe issues requiring immediate action. This could be anything from engine overheating to brake system failures. Delaying action could lead to dangerous situations.

• Amber (Yellow):

  Amber lights indicate less urgent problems that require attention soon to prevent future complications. This includes minor malfunctions or service reminders.

• Green/Blue:

  Lights in these colours indicate that specific systems, such as headlights or cruise control, are engaged and functioning correctly.

Understanding what different colours and symbols signify helps drivers make informed vehicle maintenance decisions. This knowledge preserves the car’s lifespan and performance and enhances driving safety.

Why are Car Dashboard Symbols Important?

Monitoring vehicle conditions and guaranteeing driver safety depend on car dashboard symbols. Their importance cannot be understated.

 

• Immediate Alerts:

  These symbols are the first to warn you about potential issues that range from engine problems to electrical faults. Prompt attention to these alerts can prevent severe complications.

• Safety Mechanism:

  They act as a critical safety feature by alerting drivers to urgent problems like brake failures or safety system malfunctions. These issues could lead to accidents if you ignore them.

• Cost Savings:

  Responding to these alerts without delay can lead to significant savings on repairs. Early detection helps avoid escalating minor issues into more extensive and costly repairs.

• Preventative Maintenance:

  Regular attention to these warnings supports preventative maintenance practices. It helps extend your vehicle's life and maintain its performance.

• Protection from Severe Damage:

  These symbols help protect your car from serious damage that could compromise its functionality and safety.

• Legal and Insurance Compliance:

  Some dashboard warnings, if ignored, can lead to violations of vehicle inspection standards. This can affect legal compliance and car insurance

Car Dashboard Symbols and Meanings

Here are some important car dashboard symbols and meanings:

• Warning Light for Temperature:

  The engine warning light comes on when the temperature inside your vehicle reaches a dangerous level.

• Low Tire Pressure Alert Signal:

  This symbol features a tyre with an exclamation point. It indicates that your tyre pressure is too low and requires attention.

• Check Engine Light:

  This yellow indicator signals a potential issue with your engine or emission system. The problem could be related to components such as oxygen sensors, spark plugs, or a loose gas cap. Check these parts and consult a mechanic if needed.

• Oil Pressure Warning Light:

  This light indicates low engine oil pressure. You should check the oil level and top it up, if necessary. If the light remains on despite having sufficient oil, it could indicate a leak or a problem with the oil pump.

• Battery System Light

  If this light flashes, it may indicate damaged battery cables or serpentine belts. A mechanic should inspect the vehicle immediately.

• Brake System Warning Light:

  This light typically indicates that the handbrake is engaged. It can also signal more serious issues with the brake system, such as low brake fluid or worn-out pads.

• Warning for Airbag System:

  This alerts you that there could be a possible problem with your car's airbags.

• ABS Warning Light:

  This light shows problems with the anti-lock brake system of your car.

• Fuel Warning Light:

  This light points to either low fuel or a possible fuel sensor problem. Refuelling promptly is advisable.

• Adaptive Cruise Control Light:

  This light warns of issues with the Adaptive Cruise Control (ACC) system, including sensor malfunctions.

Additional symbols to be aware of include the glow plug warning light, transmission temperature warning, washer fluid level, high beam indicator, and door warning lights.

Steps to Follow When The Instrument Panel Warning Light Goes On

It is essential to respond appropriately when your car dashboard's warning lights begin flashing. This is vital for your safety and the longevity of your vehicle.

• Identify the Symbol and Colour:

  Recognise which light has turned on and note its colour. This helps you to gauge the urgency.

• Read the Manual:

  Consult your vehicle's handbook for a comprehensive description of the warning light and the exact actions to be taken.

• Quick Response to Red Lights:

  If the warning light turns red, it indicates an emergency. Immediately pull over, switch off the engine, and contact emergency services or roadside assistance.

• Address Amber Lights Promptly:

  Amber lights suggest the issue is important but not immediately dangerous. Plan to visit a service centre soon to prevent further damage or a potential breakdown in the future.

• Green Lights:

  If the light is green, it typically indicates that a system is active and functioning correctly, such as headlights or cruise control.

• Monitor Your Dashboard:

  Check your dashboard while driving. Frequent checks can help you catch warnings early and address them before they escalate.

• Seek Professional Advice:

  It is wise to seek professional advice or visit a mechanic if you are unsure about the meaning of any symbol or if multiple lights begin flashing.

Conclusion

The next time a mysterious symbol lights up on your dashboard, remember it's your car’s way of providing a crucial warning. Understanding these symbols and their meanings is essential for maintaining your car's health and ensuring your safety on the road. By paying attention to these alerts, you can address potential issues promptly, avoid costly repairs, and drive with peace of mind.

Updated on 3 Nov 2025

When you witness a stylish vehicle zooming past on the highway, you might have noticed a raised flap or an additional body part attached to the back. That is known as the rear spoiler. However, this vehicle part is not just for show; it also plays a crucial part in enhancing the car’s performance, specifically at high speeds. Rear spoilers can lower the drag, give the car a good balance and also improve the grip on the road. In this blog, you will learn more about rear spoilers, how they function and whether or not you should get one for your four-wheeler as well.

What are car spoilers?

Spoilers, also called 'car tails' or 'external body kits,' boost an automobile's aerodynamics and reduce its overall drag. Whenever air passes quickly over your vehicle, the spoiler lifts that air away from the car. It allows a cut-through wind resistance and reduces the force associated with the wind.

Apart from offering the vehicle a dynamic look, the rear spoiler helps reduce air resistance when driving at high speed. This increases fuel efficiency and improves the vehicle's stability. Presently, most car manufacturers prioritise the spoilers, which go beyond the vehicle's dimensions.

Airflow occupies the space the car cuts through, creating a strong force, which then results in the vehicle's decreased stability. Ultimately, the rear spoiler reduces the resistance of air that flows around your car while driving at a faster speed (approximately 100 miles per hour or more). This helps regulate the negative airflow that hinders a vehicle's performance. In short, the spoiler alters the car's aerodynamic characteristics; it acts to spoil the natural airflow.

How does a spoiler work?

It all comes down to the principle of aerodynamics, which concerns the lift mechanism of aircraft wings. Whenever a car travels at a faster speed, air passes through and under the vehicle and also above the trunk.

The strong air force beneath the vehicle tries to lift it up, preventing the tyres from maintaining a strong grip on the road. Hence, the spoilers help lower the impact of the air force, which results in the car's improved grip and stability.

Usually, when the car’s speed goes beyond 60 km/h, the impact of air resistance on the vehicle becomes more apparent. A rear spoiler installed on the car is an effective way to counteract this force.

The spoiler on your vehicle's trunk takes the airflow and redirects it to push down onto both the trunk and rear wheels. The downward force or pressure is what racing teams driving at high speeds use to keep their car tires stuck to the road.

So, as air passes over your car at very high speeds, the spoiler lifts that air off the vehicle. In return, the cut-through wind offers resistance and reduces the violence associated with the wind.

Types of spoilers

Different types of car spoilers present unique styles and purposes, as we see below in the list of the most common spoiler types:

Front spoiler

Located in the car's front, this type of spoiler helps reduce the lift and prevent wheel slippage.

Rear spoiler

It is located on the rear of the car, typically on or above the trunk. It offers various benefits to the car, most importantly disrupting the impact of airflow and reducing the strong turbulent motion.

Roof spoiler

Situated at the rear end of the roof, the roof end spoiler helps reduce the pressure or force caused by wind.

Lip spoiler

It's installed on the trunk's edge and helps enhance the car's stability and boosts the downforce slightly.

Ducktail spoiler

This spoiler, which resembles a duck's tail, helps reduce drag. It also increases the car's downforce, ensuring stability on the road even at high speeds. 

Pedestal spoiler

It creates a car's downward force and helps maintain stability when the car is moving very fast. A pedestal spoiler is installed on the pedestals.

Side spoiler

A side spoiler, also known as a side skirt, resembles an air dam. It has a plate mounted on the vehicle's side (below the doors) and helps cut down airflow into the car's underside. The result is reduced air resistance under particular conditions.

Advantages of rear spoilers

The rear spoilers are not just cool-looking car parts. They also provide many benefits, and some of the main ones are listed below:

• The rear spoiler ensures your car (together with its passengers) is safe and stable.
• It improves traction by allowing the car's rear to remain pressed against the road's surface. It also helps distribute the strong airflow the car faces when you drive, which prevents sliding and cornering.
• It enhances stability by sustaining the spoiler's aerodynamics and releasing a downward force. The spoiler helps lower the risk of falling by ensuring smooth vehicle handling.
• It increases fuel efficiency by reducing its consumption. Usually, the airflow increases the force on the car as the driver presses the pedal harder. However, a spoiler helps eliminate this problem, reducing engine load and fuel consumption.
• Rear spoilers reduce noise by ensuring a smooth airflow, lowering the noise the wind releases when driving.
• It enhances braking controllability. The low resistance to the airflow increases the driver's control of the vehicle.
• The rear spoiler creates a stylish and dynamic look on the car.

Materials used in rear spoilers

Rear spoilers can be made from a variety of materials, each offering different benefits in terms of appearance, performance and cost. ABS plastic is a lightweight and affordable option, commonly used in budget cars.

Fibreglass spoilers are strong but heavier, and are often seen on customised vehicles. Polyurethane is known for its high durability and flexibility, making it suitable for rugged conditions.

Carbon fibre offers exceptional strength while remaining very lightweight, which is why it’s typically used in luxury or sports cars. Aluminium, on the other hand, strikes a good balance between weight and strength, making it a popular choice for performance-oriented vehicles.

Impact of rear spoilers on vehicle performance

A good quality spoiler can enhance the overall driving experience in several ways. It improves stability, making the vehicle less wobbly at high speeds, particularly on highways. It also boosts braking performance by offering better grip, which leads to shorter braking distances. During sharp turns, the spoiler helps maintain vehicle stability, improving cornering.

Additionally, spoilers can increase the aesthetic appeal of the vehicle, potentially raising its resale value. However, it's important to note that these performance improvements are more noticeable at higher speeds, such as in sports or highway driving. For city driving, the difference is generally minor.

Disadvantages or limitations of rear spoilers

While rear spoilers can enhance a car’s appearance and performance at high speeds, they also come with certain drawbacks. Some spoilers, especially those made from heavier materials like fibreglass, can add extra weight to the vehicle, which may slightly affect fuel efficiency or handling.

High-quality spoilers made from advanced materials such as carbon fibre or polyurethane can also be quite expensive, particularly when factoring in professional installation. Another concern is fuel efficiency. If the spoiler is poorly designed or incorrectly positioned, it can increase aerodynamic drag and reduce mileage instead of improving it.

Additionally, in low-speed city traffic, spoilers offer little to no performance advantage, making them less practical for everyday urban driving. Improper installation can also pose risks, potentially damaging the car’s body, causing leaks or affecting the vehicle’s balance and overall aerodynamics.

Can you install a rear spoiler aftermarket?

It’s certainly possible to install a rear spoiler in the form of an aftermarket accessory. Many vehicle owners in India get them added after purchasing the car to improve their performance and looks. You also need to keep the following things in mind:

• Pick a spoiler that’s created for your car’s model and make.
• Get them installed by an expert to ensure the safety and balance.
• Check with your four wheeler insurance firm or RTO because some changes might affect the insurance or legal rules.

Rear spoilers vs. rear wings: What’s the difference?

Many individuals confuse rear wings with spoilers. While they may appear similar, they serve very different purposes. Rear spoilers are attached close to the car’s body. They change the airflow over the vehicle to lower the lift and drag. The rear wing, on the other hand, is raised above the boot using a pedestal or stands. They are mostly used in racing vehicles to offer a stronger downforce.

Conclusion

The rear spoilers are a lot more than just a design feature. They also play a massive part in enhancing the car’s stability, particularly at high speeds. Whether you drive an SUV, hatchback or sedan, adding a good rear spoiler can give your vehicle a sporty appearance and also enable it to perform well on the road.

However, while enhancing the style and performance of your vehicle, don’t forget your safety. A comprehensive car insurance can help you stay financially protected, especially during road trips. If you are not sure which car insurance would suit your needs the best, fill out the form on this page for expert guidance.

FAQs

• Will adding these spoilers void the car’s warranty?

If you properly install them and they don’t affect parts, many of the car makers will allow it. However, check your car’s warranty terms before installing a spoiler.

• Can a spoiler enhance mileage?

A properly designed spoiler can lower the drag, which, in return, might enhance the fuel efficiency. But the change is minor.

• Are spoilers allowed under the Indian traffic laws?

Yes. As long as the modification is secure and doesn’t interfere with the vehicle’s safety features.

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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.

Fuel is the main component that ensures prime vehicular movement. However, what seems like a simple process of refuelling at the petrol pump involves some level of technicality. It is the fuel supply system of a vehicle that ensures an effective supply of fuel to the engine, allowing it to run. Read on to learn more about this system within petrol engines.

What Is a Fuel Supply System?

The fuel supply system in itself is a comprehensive working unit that delivers the required mix of fuel and air to the combustion chamber of the engine that receives, where this mixture for proper combustion. The following components make up the entire fuel supply system in petrol engines:

• Fuel Tank:

  Stores the fuel

• Fuel Pump:

  Pumps the stored fuel from the tank to the injector under optimum pressure for a consistent flow

• Fuel Lines

  Transport fuel from tank to engine and maintain the flow for a steady supply

• Fuel Injectors:

  Ensure proper combustion by injecting or spraying a certain amount of fuel-air combination into the engine

• Fuel Gauge:

  Shows the tank's fuel status

• Fuel Filter:

  Cleans the fuel of impurities so that the engine isn't clogged or damaged

• Fuel Pressure Regulator:

  Ensures maintenance of optimal pressure

• Air Cleaner:

  Filters incoming air for combustion

• Supply and Return Pipelines:

  Supply required fuel to the engine and return excess fuel to the tank for regulating pressure and temperature

• Carburettor:

  Used to mix fuel with air for combustion in older engines

Types of Fuel Supply System

The fuel supply system that enables combustion is different for Spark-ignition (petrol) engines and Compression-ignition (diesel) engines.

Furthermore, petrol engines also have different types of fuel supply systems. The size of the vehicle, the relative cost of different systems, and the associated advantages and disadvantages will determine which type of supply system is employed. These different types are as follows:

• Gravity System:

  This is the simplest and most cost-effective fuel supply system and is generally used in smaller vehicles like two-wheelers. In this system, the fuel flows into the carburettor, as directed by natural gravity. This necessitates the fuel tank to be mounted in the highest position.

• Pump System:

  A fuel pump installation is an expensive mechanism for supplying fuel from the tank to the pump through a steel pipe. It is available in both mechanical and electrical versions, making it functional across all types of vehicles. Most contemporary automobiles use an electric pump for internal fuel supply.

• Pressure System:

  The pressure system allows for flexibility in the installation of the fuel pump and provides a controlled fuel supply. This is achieved by using a separate air pump or the engine exhaust to create pressure inside the tank, facilitating the flow of fuel. However, this method requires hand priming for start-up and carries the risk of possible pressure leaks.

• Fuel Injection System:

  This is a more modern and expensive fuel supply system used in most present-day vehicles. Here, the carburettor is replaced with separate fuel injectors that atomise the fuel before delivering it as needed. It ensures accurate and controlled delivery of fuel under different load and speed conditions. However, the possibility of petrol backflow is a disadvantage of this system.

Factors That Determine Fuel Quality

The fuel supply system can be impacted by fuel quality. Even with mechanisms in place within the supply setup for filtering fuel and air, contaminants are not the only factors that determine fuel quality. Key determinants of fuel quality are:

 

Ignition Quality:

This refers to how readily the fuel will burn in the combustion chamber of the vehicle and is measured using the octane number. As a determinant of the fuel's combustion behaviour, a high ignition quality indicated by a high octane number is desirable due to its characteristic of a short ignition delay.

 

 

Volatility:

Fuel volatility affects vehicle performance by influencing various key parameters of engine functioning. Volatility is the measure of a fuel's evaporation rate, which impacts its flow and combustion inside the engine.

 

 

Calorific value:

The combustion of petrol produces heat that makes an engine work, and its calorific value measures this.

 

Signs of Deterioration of Fuel Supply System

You can determine the condition of the fuel supply system in a petrol engine by evaluating certain signs. Deteriorations in the system are indicated by:

• Start issues
• Poor fuel efficiency or mileage
• Performance deterioration
• Sputtering or misfiring engine
• Fuel odour
• Overheated engine
• Whining fuel tank
• Power deficiency
• Inconsistent running or stalling
• Lack of power

The causes behind these irregularities might be diverse. Some issues may be caused by low fuel pressure, others by lower-quality fuel or technical malfunctions. It is essential to identify the root cause of the issue to avoid a larger problem.

Conclusion

It is important to maintain the fuel supply system of the engine, as it directly impacts the functioning of your vehicle. Make sure to choose a car insurance policy that includes engine protection cover for the efficient maintenance of this expensive and indispensable component of your car.

Updated on - 03 Feb 2026

As a vehicle owner, your major concern is keeping your vehicle safe and secure. To make your vehicle more secure, one important feature is the engine immobiliser, which stops your vehicle from starting unless it recognises the correct key. This helps prevent theft by allowing only authorised keys to start the engine.

This article explains how immobilisers function and connect to your key fob and why they are so effective at deterring theft. You will also learn how to reset your immobiliser to keep your automobile safe.

What is a car engine immobiliser?

An engine immobiliser is a smart electronic device built into most modern cars to prevent theft. It functions with a little chip attached to the Electronic Control Unit (ECU), which contains important information about your vehicle.

The immobiliser verifies the smart key code when you turn on the car before letting the engine start. The device immediately stops the engine by blocking the gasoline and ignition if someone tries to start it without the proper key.

This clever link between the immobiliser and ECU keeps your car safe from unauthorised access and helps reduce theft risks.

Types of engine immobiliser anti-theft systems

Two main types of engine immobilisers target different car engine management systems. They include the following:

1. Mechanical Immobilisers

They are physical devices that use fewer high-tech gadgets and target different systems. Once activated, they stop the vehicle’s movement. These immobilisers prevent mechanical devices, including the gearbox, steering wheel and tyres, from moving.

2. Electronic Immobilisers

Unlike mechanical immobilisers, electronic immobilisers don’t target different systems (the mechanical mobilising system). Instead, they are electronic devices that use more advanced technology to stop the engine from starting. This anti-theft system releases electrical signals to the engine control unit and prevents the starter motor or fuel system, causing the engine to fail to ignite.

The advanced type uses changing security codes. The system comprises two-tier security levels (a permanent code and an extra changing code). So, whenever the car key switches on the ignition, the system intelligence changes the second code, pushing it into the key.

How does engine immobilisation work?

Acting as a digital gatekeeper, it makes sure that the engine can only be started with the authorised key. This clever mechanism operates through coded communication between your key and the vehicle’s electronic control unit. Modern immobilisers also use rolling codes that change each time you start your car, making duplication nearly impossible.

Though reliable, the system can fail if the key gets damaged or electrical issues occur, requiring professional reprogramming for safety.

This is how it works:

• Smart keys: When inserted into the ignition, the key carries a unique code that connects with the ECU.
• Transmission of codes: The ECU waits for this code before activating the engine.
• ECU verification: If the code matches, the ECU allows fuel flow and ignition.
• Mismatched or missing codes: The ECU blocks the start if the key is lost or fake.

Benefits of an immobiliser anti-theft system

An engine immobiliser offers more than just theft protection. It also helps lower car insurance costs as insurers view vehicles with immobilisers as safer and less likely to be stolen. Once installed, it works automatically, needing no extra effort or upkeep from you, but just the right key to start your car each time. They are, therefore, a wise addition in terms of security and cost.

Common problems faced by immobilisers

While engine immobilisers are highly reliable and effective, they are not entirely free from issues. Like any electronic component, they can occasionally malfunction or cause inconvenience to vehicle owners. Here are some common drawbacks:

• One common problem is losing or damaging the smart key. Remember, the key that comes with your car is more than just a piece of metal; it contains a transponder chip that communicates directly with your ECU. The replacement must be done by a trained technician who can programme the new key to work with your vehicle’s ECU, which can be expensive, especially if it happens unexpectedly.
• Now, imagine another scenario. You’re ready for a road trip, but when you turn the ignition, the car does not start. You try again with no success and call your mechanic, who identifies an electrical issue within the engine immobiliser system. Though rare, these problems can be very inconvenient. The engine immobiliser is an electronic system, and like any electrical device, it can fail due to wiring faults or ECU malfunctions.
• Even with the correct key and proper procedure, the car may refuse to start if the immobiliser cannot recognise the authorised code. Ironically, a system installed to prevent theft can sometimes prevent you from starting your own car. It is important to remember that every technology has its challenges, and engine immobilisers are no exception. Nevertheless, these issues should not overshadow their advantages, as they provide added security and peace of mind.

Why you should inform your insurer about your car’s immobiliser

Here are some reasons to inform your insurer about the immobiliser installed in your car:

1. Lower premiums: Vehicles with certified anti-theft devices like immobilisers are considered lower risk, which often results in a discount on your insurance premium. You must inform the insurer to receive this discount.
2. Smoother claims process: Having an immobiliser shows you’ve taken active steps to secure your car, which can make the claims process easy if your vehicle is ever stolen.
3. Avoid potential complications: If your car is stolen and you haven’t informed the insurer about a factory-fitted or certified immobiliser, it could lead to complications during the claims process.

Notifying your insurer ensures that all your security measures are recognised, allowing you to take advantage of your car insurance policy benefits fully.

How does an engine immobiliser anti-theft system impact car insurance?

Your choice of the type of vehicle insurance will often determine your premiums. Car insurers calculate your car premiums based on the insurance type, alongside other factors like:

• The age and model of your car.
• The vehicle's current condition,
• Other possible risks. The larger the risks, the higher the premium costs.

Nonetheless, the anti-theft engine devices lower the chances of you claiming your insurance during a theft scenario. Hence, this puts your vehicle in the 'low-risk' category. In most cases, once you install the legal immobiliser device in your car, you increase your eligibility for anti-theft discounts on your vehicle insurance premiums.

With the reduced car premiums on your insurance, you can also consider having other value-added utilities associated with the third party car insurance or comprehensive car insurance plan. Such additional services may include:

• Roadside assistance cover
• Engine protection cover
• Zero depreciation cover
• Loss of personal belongings cover
• Garage cash cover
• Consumables cover

Conclusion

The immobiliser system is a dependable way to boost your car’s security. Because of its straightforward, easy-to-use design, anyone who is serious about preserving their car must have it. In addition to providing peace of mind, installing an engine immobiliser can also result in lower car insurance premiums. To know more, fill out the form provided on this page.

FAQs

1. Can an engine immobiliser be installed in older cars?

Yes, many older vehicles can have an aftermarket immobiliser fitted by a professional to improve security.

2. Does an immobiliser affect fuel efficiency or performance?

No, engine immobilisers do not impact how your car runs or its fuel efficiency.

3. How long does it take to replace a lost smart key?

Replacing a smart key usually takes a few hours at an authorised dealer, depending on programming requirements.

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Disclaimer: This blog provides information regarding car engine immobilisers. The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

Have you ever noticed the sturdy bars on the top of a car? These handy attachments are roof rails and are more than a stylish feature. Roof rails are practical additions that enhance your vehicle's storage capacity. They allow you to carry extra luggage on long journeys or adventure trips. Commonly found on SUVs, roof rails can be either installed from the showroom or added later, depending on your car model and needs. Read on to understand their function and benefits.

What are Roof Rails?

Roof rails enhance functionality by increasing storage space, particularly useful for road trips or outdoor expeditions that involve carrying extra baggage, sporting equipment, or other large items. Roof rails generally come in two varieties:

• Flush Roof Rails:

  These roof rails are mounted closer to the roof. They provide a sleek appearance and reduce aerodynamic drag, making them ideal for carrying lighter loads. However, they often require specialised fittings to ensure cargo remains secure, even at high speeds.

• Raised Roof Rails:

  These roof rails are positioned higher off the roof, allowing for the transportation of larger items. They make attaching various carriers and cargo boxes easy, increasing versatility. However, they may affect fuel efficiency and noise levels due to increased drag.

Who Should Get Rail Roof Rack Installed?

Roof rails are a valuable addition for various car owners and users, enhancing functionality and increasing carrying capacity, making them a worthwhile upgrade for any vehicle designed to accommodate them.

Here is a detailed look at who benefits the most from roof rails:

• Frequent Travellers:

  Those who frequently go on extensive road trips or vacations find roof rails indispensable. They provide additional space for passengers' luggage, making travelling more accessible and comfortable with more bags.

• For the Sporty and the Adventurous

  Those who love spending time outdoors must have roof rails. They enable the safe transport of items like bicycles and kayaks, ensuring that all the gear needed for adventure is readily available.

• Trade Professionals:

  Professionals who need to transport bulky or heavy equipment, such as contractors or landscape architects, benefit significantly from roof rails. These fixtures make it easier to move tools and materials to various job sites, enhancing productivity and job efficiency.

• Families

  Large families or groups benefit significantly from roof rails, as they provide extra space for belongings. This additional storage helps make family outings or vacations more comfortable by reducing overcrowding inside the vehicle.

Advantages and Disadvantages of Installing Roof Rails

Installing roof rails offers a mix of advantages and disadvantages. Let us understand them better.

Advantages:

• Increased Storage Space:

  Roof rails are crucial for anyone needing extra space. They extend your vehicle's capacity and help transport large or awkward items that wouldn't fit in the trunk.

• Versatility:

  They accommodate various cargo carriers and equipment and support diverse activities, from outdoor adventures to home moves.

• Easy Installation and Removal:

  Most roof rails are designed for straightforward installation. They can also be removed when not in use. Thus, they provide flexibility and convenience.

• Enhanced Transportation:

  Roof rails are ideal for carrying heavy and bulky items. They facilitate the movement of goods and equipment and reduce the hassle of vehicle space management.

Disadvantages:

• Noise:

  Driving at high speeds can produce a whistling noise from the airflow around the rails. This can be distracting or annoying over long distances.

• Reduced Fuel Efficiency:

  The added weight and drag from carrying loads on your roof decreases fuel economy. This can become significant over long trips.

• Not Suitable for Smaller Cars:

  Roof rails might add excessive weight and bulk for smaller vehicles. It can impact performance and efficiency negatively.

• Instability at High Speeds:

  The load on the roof can cause instability at high speeds. It affects handling and safety, particularly in windy conditions.

Factors to Consider Before Buying Roof Rails Attachment

You must consider various aspects to ensure roof rails meet your needs and are a worthwhile investment.

• Vehicle Compatibility:

  Roof rails may not be suitable for every vehicle. It is crucial to check your car's manual or manufacturer's website to ensure compatibility.

• Weight Capacity:

  Understanding the weight limit with roof rails is vital. Overloading your roof can damage your vehicle and pose safety risks on the road. Always adhere to the recommendations of the manufacturer for weight.

• Rail Type:

  Roof rails come in different styles and functionalities, from basic models to more advanced systems with enhanced security features like built-in locks. Choose based on your typical cargo needs.

• Cost Considerations:

  Prices can vary significantly depending on the materials and features of the roof rails. Deciding on a budget before you begin shopping will allow you to direct your decisions.

• Purpose & Usability:

  Consider the specific reasons you need roof rails and the types of items you plan to load onto them. This will help determine the strength and design of the rails you should look for.

• Ease of Installation:

  Opt for roof rails that are easy to install and remove. Some systems allow for DIY setup, while others might require professional assistance. You must consider how often you will need to attach or detach the rails.

Conclusion

Roof rails transform your car into a versatile carrier, enhancing its utility for daily errands and long trips.

To fully protect your investment and ensure peace of mind, it’s also crucial to have appropriate car insurance. This coverage safeguards your vehicle and its components and provides financial coverage in case of accident or damage. Ensure your insurance policy includes protection for your vehicle and any additional equipment or modifications, such as roof rails.

Driving during the monsoon season can be a challenging endeavour. The heavy rains affect both driving conditions and daily routines. And it doesn’t stop there! The monsoon season also ends up complicating car insurance claims process. Let us understand why claims are often rejected during this season and explore ways to prevent these setbacks.

Common reasons for claim rejection during monsoons

Understanding car insurance claim rejection reasons will help you ensure a smoother and more efficient

claim process.

1. Insufficient Coverage: Your claims can be denied if your policy does not cover everything or explicitly excludes common damages during the monsoon season.

2. Engine and Electrical System Damage: Water getting into the engine or electrical systems while moving through flooded areas can cause them to break down. Companies would not pay the claim if the damage were caused by carelessness of the driver/car owner in the weather.

3. Pre-existing Damage: Insurance companies are likely to turn down the claim if the damage was present before the rain.

4. Negligence in Maintenance: Claims may also be rejected if maintenance is neglected and the damage from the monsoon worsens the condition of the vehicle.

5. Violation of Policy Terms: Claims can also be denied if you break the rules of your insurance policy. This includes driving in restricted areas or at times that are not allowed.

6. Delayed Reporting: Insurance companies need damage reports sent in on time so they can properly evaluate and handle cases. Delays can result in concerns over the veracity of claims.

7. Mechanical Breakdowns: Mechanical issues like motor seizures are more likely to occur when driving through extremely flooded regions. This is due to the increased potholes and bad road conditions during monsoons. Your insurance may not cover these issues.

Tips for ensuring your car insurance policy is rain-ready

A little planning can help ensure that weather-related issues do not lead to the rejection of your insurance claims.

1. Avoid Waterlogged Areas: Steering clear of waterlogged areas can prevent engine and undercarriage damage. If unavoidable, drive slowly to minimise the potential harm.

2. Opt for Comprehensive Coverage: Review your insurance policy to ensure it includes comprehensive coverage that protects against monsoon-specific damages.

3. Include Necessary Add-Ons: Consider adding monsoon-relevant add-ons such as engine protection and roadside assistance.

4. Document Everything: Meticulously document all evidence of any damage. Take clear photos and prepare detailed reports to support any claims.

5. Renew On Time: Renew before the monsoon season starts to ensure that your car insurance policy is active without gaps. This guarantees continuous coverage during this high-risk period.

Conclusion

Ensure your coverage this monsoon is free of common mistakes that often lead to car insurance claim rejections. Drive safely and stay protected!

Not everyone is a specialist when it comes to the art of gifting. The pressure really mounts when Raksha Bandhan is around the corner, and you have to think out of the box. Well, if you are too tired of gifting the same old rakhi gifts, it’s time to reinvent the wheel. We are talking about car accessories, the unsung heroes of long drives and road trips. If your sibling loves the vehicle he/she drives, then he/she certainly would want accessories that not only up the aesthetic quotient of the car but also have usability. Here are some car accessories gift ideas.

Great Car Accessories as Raksha Bandhan Gifts

People commute by cab almost every day and notice nothing special about it till one day, the car accessories catch their attention. That’s the power of any accessory that elevates the style, comfort, and safety of the car and its passengers. The following is a list of gift ideas you can consider this Rakhi —

1. Heads-Up Display (HUD)

When travelling, we want a heads-up. Well, this personal assistant is here for just that. It is an extremely useful tool for drivers. It brings key pieces of information to a spot that's easier (and safer) to see compared to looking at it on another screen. The driver can easily look at speed, navigation, and other alerts directly onto the windshield and thus, his/her eyes will remain on the road Pick a size that complements the car your brother or sister drives.

2. Car Perfume

How the car smells is the first thing someone notices when hopping into the car. Throughout the day, due to sweat or food particles that fall between seats, the odour can get from bad to worse. A car perfume removes such unpleasant odours. And do you know what else good fragrance does? It has a calming effect. When the driver feels relaxed, he/she drives better. Since you know your sibling well, choose a scent that matches his/her personality.

3. Wireless Charger

The last thing a driver wants around the gears are tangled cords. Imagine looking at the map for navigation and suddenly realising the phone is about to die. The frustration goes up multiple times when the person struggles to find a port. A wireless charger can remove such issues. Your sibling just needs to place his/her smartphone on the charging pad and watch it come to life. The convenience it provides is amazing.

4. Car Bin

Cleanliness is next to godliness. As kids, you must have heard your parents passing on this wisdom. Well, a clean car can add to the driver’s personality. Imagine your brother/sister is going to pick up his colleagues before a team outing, or your sister needs to give a lift to a guy she has a crush on, and they all find food particles and chocolate/chip wrappers strewn everywhere. A car bin can help in keeping the car organised and clutter-free.

5. Microfiber Cloth

What compliments a car bin in the department of hygiene? It’s a microfiber cloth. Well, without delving too much into the power of fabric in removing dust and smudges on both interior and exterior surfaces, just know that this lint-free material is a must-have for car owners.

6. TPMS (Tyre Pressure Monitoring System)

The driver, if experienced, notices when there might be something off with the tyres. He/she always doubts that there is an issue with the tyre pressure, and one would need to visit the nearest gas station to get it checked. In matters of road safety, a mistake of a split second can prove to be fatal. A TPMS can ensure the driver that the tyres are always at optimal pressure. Gift them the TPMS to monitor tyre pressure and prevent flat tyres.

7. WD-40

Rust prevention, protection of metal parts, removal of corrosion and moisture… you name it, and WD-40 will do it. This reliable tool has multiple usages.

8. Dashcam

Road rage is a huge issue in India, and a minor accident can lead to fist fights because either party refuses to accept their mistake. But once you have recorded footage, there is no denying it. Today, it also helps the police find the culprits in case they run away. Apart from providing valuable evidence in case of incidents, you can also capture other moments of your journey on the dashcam.

9. Windshield Cleaner Spray

When you have clear vision, you can go faster. No, it’s not a nugget from a corporate mantra for success. It’s just a fact of driving, and a windshield cleaner spray can help with that It easily removes bugs and dirt and provides a clear view of the road at all times.

10. Car Seat Cover

Want to protect the car's upholstery as well as add a touch of style? Car seat covers are the answer. Available in various materials, colours, and designs, gift something to your sibling that suits his/her taste.

Conclusion

So, this Rakhi, rev up your gifting skills and go shopping for sophisticated car accessories as gifts. Several brands are selling these products. Do your research before buying them, and make sure, you opt for an extended warranty wherever available. Gifting car insurance is also a great idea that you can consider this Raksha Bandhan.

Updated on 3 Nov 2025

When you have a car insurance policy, you must know the claim TAT (Turnaround time) to understand how quickly your insurer will process and settle your claim. This knowledge will help you set realistic expectations about the time you will receive compensation in case of theft, loss or damage to your vehicle. It allows you to plan for alternative transportation or repairs while waiting for the settlement. Also, being aware of the TAT can help you choose an insurer that offers faster claim services.

What is TAT in vehicle insurance?

TAT is the total time an insurance company takes to process a claim when the policyholder has filed to get a settlement or repair approval.

What affects the claim TAT?

The factor that affects the claim TAT include the following:

1. The complexity of the claim. This depends on the extent of the accident and damage, loss of the car or whether a person is injured because of your vehicle.
2. Time taken for the survey and inspection of the vehicle by the insurer
3. Completeness of submitted documents
4. The insurer’s internal processes
5. Police verification

Types of vehicle insurance claims

The different types of vehicle insurance claims are:

1. Own damage claim

This claim is made when an accident, natural disaster, or fire causes damage or total loss of your vehicle.

1. Third-party claim

If your vehicle causes any injuries to others or damages their property, the affected party can file a third-party claim against your insurance.

1. Cashless claim

This claim is made when you want to repair your vehicle in a garage that falls under the insurance company’s network, with the bill settlement handled directly by the insurer.

1. Reimbursement claim

If you repair your car in a workshop that is not part of the insurer’s network garage, you can later submit the bill to your insurance company to get the reimbursement.

1. Theft claim

If your car is stolen, you can file a theft claim. Once the insurer completes their investigation and receives a non-traceable certificate from the police, they will pay you the insurer-declared value (IDV) of the vehicle.

Step-by-step vehicle insurance claims process

If you want to claim car insurance, you should follow the process below:

• First, inform your insurer about what happened to the vehicle (Theft or own damage) within the stipulated time.
• Then, take pictures of the damage, the accident spot and where it was stolen, as proof during the claim.
• You must file a police FIR about the incident and keep a copy for claim submission.
• You can choose a cashless claim or a reimbursement claim.
• Provide the necessary documents.
• The vehicle will be inspected by the insurer for damages, and later, an estimated amount will be approved.
• In case of total loss or theft, the insurer will compensate you by paying the IDV of the vehicle.

Documents required for vehicle insurance claims

When you file an insurance claim, you have to submit a few documents to the insurer. These usually include a copy of your RC, your valid driving licence, a filled-out claim form, and pictures of your damaged vehicle. If the car is stolen or there is a third-party claim, your insurer will also ask for the FIR copy. For a reimbursement claim, you must also submit the original repair bills and payment receipts. You should give the documents properly for an easy process.

How to track your claim status?

Tracking the claim status is easy nowadays with the insurer’s website or app. Go to the insurance company’s official website or mobile application, click on the claim status option and enter your claim reference number, policy number or registered mobile number. You will be able to view the current status of the claim. In case of any delay, you can directly connect to their customer support team and ask for details.

Tips to ensure faster claim settlements

Follow these tips to speed up the claim settlement process:

• Inform your insurance company immediately after an accident, theft, or natural disaster.
• Submit all the documents correctly without missing any.
• Choose a cashless claim (repair where your insurer tells you).
• Cooperate with the survey and verification team.
• Track your claim online.
• Follow the conditions of the insurer.

Conclusion

Filing a vehicle insurance claim will be quick and easy if you follow all the steps correctly. Understanding the settlement process and TAT can help you know when to expect the compensation. Always have good communication with your insurer and track your claim regularly.

If you are looking for a comprehensive car insurance policy from a reliable insurer, fill out the form on this page, and get expert help in choosing a good plan for your needs.

FAQs

• Should I file an FIR for the claim?

If your car was stolen or a major accident happened, you have to file an FIR for the claim.

• How many days does it take for claim settlement?

The claim process depends on various factors; however, usually an insurance company takes 7-10 working days for the settlement.

• How many times can I claim the insurance?

You can claim the insurance amount any number of times according to IRDAI.

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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.

Disadvantages of Having an Electric Car

The automotive industry is witnessing a rise in the popularity of electric cars. However, there are specific challenges that come with EVs. Let’s look at the flip side of owning an electric vehicle.

Demerits of Having an Electric Car

Following are some of the significant disadvantages of electric vehicles:

• Electric cars are more costlier than traditional automobiles, making them less affordable.

• People who must travel long distances worry about where to locate sufficient charging stations along the route, as they are fewer in number.

• An electric vehicle requires approximately 4-6 hours to charge, which is time-consuming.

• There are few alternatives in terms of customised variants, style/design, and appearance.

• An electric vehicle’s driving range or mileage is far less as compared to conventional automobiles. It may be ideal for short journeys, but opting for petrol/diesel-powered vehicles may be a wiser choice for those who go on long-distance trips.

Conclusion

You must consider the electric car disadvantages before making a decision to purchase one. Whether you opt for an EV or a conventional automobile, car insurance is vital not only for legal compliance but also for peace of mind.

What is Meant by Salvage in Car Insurance?

Road conditions in India, and people's ignorance of traffic rules place our country among those highly vulnerable places where the highest number of accidents occur. Sometimes, these accidents are so dreadful and horrific that even the boldest individual would think twice before venturing to witness the mayhem with their own eyes.

In such scenarios, have you ever wondered about the role of insurance companies? Is there any specific car insurance for salvage cars? How does the insurer pay for the total loss? Before you start doing your maths, let's learn about the critical concept of salvage in car insurance.

Salvage in Car Insurance

Salvage refers to a damaged vehicle acquired by an insurance company after compensating the policyholder for a covered loss. When your car meets with an accident or gets damaged significantly, and the repair cost outweighs the car's value, the insurer declares it a total loss. At this point, they take possession of the damaged vehicle and may sell it as scrap to recoup some of the claim payout.

Some parameters affecting salvage charges in car insurance are:

• Extent of Damage: Extensive damage tends to lower the salvage value, while moderate damage may result in a higher value.

• Make and Model: Popular models with high demand for their parts often have a higher salvage value than less sought-after vehicles.

• Market Conditions: The overall demand for specific car parts in the market affects salvage value. The salvage value may increase if there is a high demand for parts from your car model.

• Availability of Parts: The salvage value might be lower if similar parts are readily available. Rarity and scarcity of specific components can drive up the salvage value.

• Repair Costs: Higher repair costs often lead to a lower salvage value.

Conclusion

Salvage is an important concept. If you are familiar with this term and the charges associated with the salvage procedure, it will be easier to navigate the claim process if your car becomes irreparably damaged and you have a return to invoice cover add-on in your insurance.

Car insurance is a perfect beacon of protection against financial bumps. It safeguards against unforeseen turns and twists as we cruise down Indian roads. Beyond financial safety, car insurance is essential and mandatory for driving on Indian roads, according to the Motor Vehicles Act, 1988 (amended in 2022).

Join us as we define car insurance, share details about how it works, and explore the complex world of premiums, claims, add-ons, coverage, and more.

How does car insurance work in India?

Whether you are a seasoned driver or a novice, every vehicle owner on Indian roads needs a valid car insurance policy. Wondering what is car insurance in India? Actually, it's a straightforward concept that includes a mutually agreed-upon contract between the insurer and the car or vehicle owner, known as the insured.

The insured pays a premium to insure their vehicle against monetary losses due to theft, accidents, natural calamities, etc. You can also opt for add-ons for additional benefits, according to your specific requirements. In exchange for a specific premium, the insurer covers financial risks associated with the events mentioned in the car insurance policy's terms and conditions.

You can also get car insurance online through your insurance provider's website. Keep scrolling for types of car insurance in India, add-ons and more.

Types of car insurance in India

• Comprehensive car insurance

  This type of car insurance offers the most extensive coverage available for Indian car owners. It covers third-party liabilities and financial risk to your own vehicle due to theft, accidents, natural calamities, and fire. You can customise this plan by opting for add-on covers.

• Third-party car insurance

  This type is a basic but mandatory policy. It covers third-party liability, in case of incidents that may lead to bodily injuries, damage to property, and even death of a third party. It does not cover the costs incurred for repairing your own vehicle.

• Own damage cover

  Tprovides coverage for damages to your vehicle but does not include third-party liability cover. This policy will also cover theft and other damages to your vehicle.

  One can opt for add-ons like zero depreciation coverage, PA (Personal Accident) cover, and engine protection cover. These can be added to a comprehensive car insurance plan only.

Add-on covers in car insurance

Add-ons are an excellent tool to customise your motor insurance plan and enhance its scope of coverage. We have explored car insurance and its types. Now, you can consider the following add-on covers to power up your car insurance.

• Zero Depreciation Cover ensures bumper-to-bumper coverage. Also known as a ‘nil depreciation’ cover, it is usually available for the first five years from the date the car/vehicle was purchased. The insurer doesn’t deduct the car’s year-on-year depreciated value during claim settlement.
• Roadside Assistance Coverage provides access to emergency car care services when your vehicle breaks down due to a mechanical snag. You can avail of services like towing to the nearest garage and more.

There are more types of add-ons that can be explored – engine protect cover, consumables protect cover, garage cash cover, personal belongings cover, and so on. The types of add-ons can vary from insurer to insurer, and policy to policy.

Conclusion

A valid car insurance policy is essential and mandatory for all car owners across India. With the car insurance online facility, you can browse, compare, purchase, or renew your car insurance from anywhere. Explore car insurance policies and add-ons, according to your specific needs for the best coverage. Choose a plan that meets your needs and comes at an affordable price.

Did you know India recorded 4,61,312 road accidents in 2022? Such unexpected events can happen to anyone; however, we can protect our vehicle with a car insurance policy and ensure much-required financial protection for such unfortunate events.

Whether it’s minor damage or a severe collision, knowing how to claim car insurance can speed up the process and help you get back on the road faster. In this article, we will walk you through the essential steps involved in claiming vehicle insurance in a hassle-free manner.

A clear understanding of how to claim insurance for car damage provides peace of mind and helps in going about it properly. So, let’s delve deeper and explore the steps involved.

Documents Required for Car Insurance Claim Submission

Documents required for car insurance claim submission differ according to the specific situation.

1. For accident-related claims: You will require a duly filled claim form with your signature, tax receipts, a copy of the car insurance policy, a copy of the vehicle insurance registration certificate, the driver's licence, a copy of the FIR lodged at a police station, an estimated bill and an original bill of the car's repair cost, and the vehicle inspection address.
2. For theft claims: You will need a copy of the vehicle’s insurance policy, the FIR copy from the police station, theft declaration from the RTO, Subrogation Letter, tax payment receipts, original car registration books, previous policy details (if any), Forms (viz., 28, 29, 30, and 35), official notification to the RTO about the incident, and claim discharge voucher with a signature on the revenue stamp.
3. For third-party claims: You need to provide a duly filled and signed claim form, a copy of the police FIR, and a copy of the RC and DL.

Easy Steps for Making a Car Insurance Claim

The process of claiming car insurance involves several steps. Follow the steps listed below to make a car insurance claim:

Step 1: Begin the process of how to claim car insurance by informing the insurer. You must notify the insurer immediately about the damage caused to the vehicle, the reasons for the damage, and other details. It is advisable to stay transparent while sharing details about the incident, as it reduces the probability of rejection.

Step 2: Lodge an FIR at the police station under whose jurisdiction the incident has occurred, particularly if it is a case of theft, accident, fire, or third-party liability. Some insurance companies also cover losses due to natural events. For instance, if your car gets damaged due to a tree falling on it during a severe cyclone or storm, your insurer will cover the expenses incurred in repairing the vehicle.

Step 3: Take clear photographs of the vehicle from all angles. Also, take photos of the spot or accident site. It helps the insurer to assess the extent of damage and fasten the verification process.

Step 4: The insurer assigns a surveyor to analyse the damage and prepare an assessment report to settle your claim.

Step 5: Car insurance policyholders must submit documents to the insurer, including a copy of the FIR, a copy of the insurance policy, and a copy of the driving licence. You must also provide any other document as requested by the insurer.

Step 6: You can take your vehicle to an insurer's network garage and get it repaired. You can avail of the cashless facility as the insurer takes care of the bill and pays the network garage. For repairs done in a non-network garage, you need to pay upfront and file for reimbursement later.

Conclusion

A valid car insurance policy is mandatory according to the Motor Vehicles Act of 1988. Although third-party liability coverage is compulsory, a comprehensive car insurance policy is a better choice to enjoy 360-degree coverage. Knowing the claim process and what’s included and excluded in the plan saves you the pain of a delayed settlement or claim denial.

Gone are the days when renewing a car insurance policy used to be a painful task. One had to make numerous phone calls, fix up a meeting with the insurance agent, visit the insurer’s office personally, and get the policy renewed. In today’s digital era, renewing your car insurance policy is extremely simple, and the same is possible online. With just a few clicks and inputting the necessary data, one can be assured that the vehicle will stay protected without having to visit the insurance office directly. Here, we will walk you through the details of how to renew motor insurance online and the steps you need to follow.

Details Required For Car Insurance Policy Renewal

Before you begin the process of renewing your car insurance policy online, make a checklist of all necessary documents and see that you have everything with you. This will help speed up the process and save you time in looking for the requisite information.

The list of required documents/details that you will need are:

1. Full Name
2. Residential address
3. Your car’s make and model number
4. Car registration number
5. Previous policy number details
6. Add-ons you wish to choose
7. Payment details

Steps to Renew Car Insurance Online

Now, let’s look into how to renew car insurance online. The following steps will help you do so.

1. Select the Insurance Company

The first and foremost step is to decide upon the insurance company you feel is right for you. Ideally, the insurer that has the best pre- and post-sale service should be selected. Besides, you should also consider the coverage offered and whether it is fairly priced.

2. Decide the type of insurance

Select the type of insurance plan you wish to buy. There are two types of policies available in the market: third-party and comprehensive car insurance policy.

A third-party car insurance policy is mandated by law, where only third-party damages to property/person are covered. However, you may choose a comprehensive car insurance plan to cover your own damages as well.

3. Enter your details

You will need to fill out a form by entering your details for the car insurance renewal.

4. Select the Add-Ons

If you are choosing a comprehensive car insurance policy, you can select various add-ons the insurer offers to extend the scope of coverage. The commonly offered add-ons are —

Zero Depreciation: With this add-on cover, your car will be valued at its original value and not the depreciated value.

Roadside Assistance: With this add-on coverage, if your car breaks down in the middle of the road and needs to be towed, the insurance company will arrange for the towing and also pay for the same.

Engine Protection: This add-on helps to cover the engine when it needs to be repaired or replaced.

Return to Invoice: In case of theft or total loss, this add-on will consider the value of the car at the ex-showroom price.

NCB Protect: With this add-on coverage, you will be able to retain your no-claim bonus for making up to two claims in a policy year.

5. Make Payment

Based on the add-ons selected, your final insurance premium will be decided. Once you have gone through the same and accepted it, you will be taken to the payment portal. Upon successful completion of the payment process, you will receive a copy of your motor insurance policy on your email ID.

Conclusion

Now that you know how to renew car insurance online, you can easily do it in a hassle-free manner. Keep your car safe and insured, and stay on the right side of the law.

Updated on - 31 Dec 2025

Saving on car insurance policy can feel like a mystery, but your No Claim Bonus or NCB is a simple way to cut costs. Every year you go without making a claim, you earn a discount that lowers your premium at renewal. Knowing your NCB helps you plan, avoid overpaying and make smooth transitions if you change insurers.

This guide will show you how to check your NCB, understand what it means for you and make the most of the rewards you’ve earned.

What is NCB in car insurance?

No-Claim Bonus (NCB) represents a discount extended by insurers to individuals who have refrained from making any claims during their policy’s duration. The NCB discount is accumulative and escalates with each claim year, ranging between 20% and 50% of the premium. Consequently, you become eligible for increased discounts on your car insurance premium at the time of policy renewal.

It is essential to understand that the NCB is associated with the policyholder, not the vehicle. This means you have the flexibility to transfer your NCB when changing insurers or buying a new vehicle as long as you are the registered owner of the new car.

Steps to check NCB in car insurance

If you are searching for how to check NCB in car insurance, the following steps will help you do so:

1. Reach out to your insurer

The easiest way to confirm your NCB status is by contacting your insurance provider. You can get in touch with them by phone, email or by visiting their nearest branch.

2. Utilise online platforms

Many insurance companies offer portals or mobile applications where you can view your policy information, including details about your NCB status. Log in to your account on their website or app. Navigate to the section related to policy details or renewal. When renewing car insurance online, you will find information about any NCB on the webpage.

3. Refer to your policy documents

To determine your How to check No-Claim Bonus (NCB) in car insurance, start by consulting the NCB slabs provided by insurance providers that outline percentage discounts based on claim years. If you have a copy of your insurance policy, you can refer to it to discover the NCB percentage you qualify for.

When changing your insurer at the time of renewal, it's important to mention the NCB you've accumulated from your policy. While filling out the details, there will be a section where you can enter the NCB percentage you've built up. By transferring your NCB, you can continue enjoying the discounts earned from your no-claim years. Insurers reward policyholders with discounts of up to 50% for 5 consecutive claim-free years.

Different ways to check NCB in car insurance

You can check your NCB in several ways. Start by looking at your policy document, where the NCB percentage is usually mentioned on the first page. Many insurers also provide this information on their online portal, so you can log in and view your policy details.

If you prefer, you can call the customer care helpline and provide your policy number to verify your NCB.

Alternatively, you can visit your insurer’s branch, where staff can check the details for you or request the information through your insurance agent if you purchased your policy that way.

How to transfer NCB when switching insurers

Your No Claim Bonus does not disappear when you move to a new insurance company. To transfer it, request an NCB certificate from your old insurer, which shows how many claim-free years you have. When you buy your new policy, provide this certificate to your new insurer.

They will verify the information and apply the same NCB, ensuring you continue to enjoy the discount you earned for safe driving.

Common mistakes to avoid while checking NCB

When checking your NCB, avoid common mistakes that can cause errors. Many people forget to verify that their previous policy had a valid NCB. Some rely only on verbal confirmation instead of checking the policy document.

Not using the same mobile number or email across policies can lead to mismatched records. Forgetting to inform the insurer after a claim or not checking your NCB before renewal can affect your discount. Ignoring emails or SMS reminders from your insurer may also result in missed updates.

Why it’s important to keep your NCB record updated

Keeping your NCB record updated is important because it directly affects how much you pay for car insurance. When your NCB is correct, you receive the discount you’ve earned for safe, claim-free driving.

If the record is incorrect or not updated, you may lose this discount and pay a higher premium. Regularly checking and updating your NCB helps you save money and ensures your insurance history remains accurate.

Protecting your NCB with car insurance add-ons

Protecting your NCB helps you save on your car insurance premium each year. One way to do this is by purchasing NCB protection cover. This add-on allows you to maintain your NCB even if you make one or more small claims during the policy period. The cost of minor accidents will not reduce your discount, helping you keep your NCB and enjoy lower premiums for a longer time.

Note: This is an indicative explanation. Please read your policy document for full details regarding NCB, inclusions and exclusions.

Conclusion

Keeping track of your no claim bonus in car insurance is more than just a paperwork task; it’s a smart way to save money and make your car insurance work for you. By knowing your NCB status, you can plan renewals, avoid overpaying and make confident decisions when switching insurers. Tracking your NCB also encourages safer driving, rewarding you for claim-free years. Taking charge of your NCB ensures you get the discounts you deserve, builds a cleaner insurance history and gives you a clear advantage every time you renew.

You can also know which car insurance suits you best by filling out the form on this page, and our insurance experts can help you choose the right one.

FAQs

1. Can I lose my NCB if I make a minor claim?

It depends on the insurer and the type of coverage you have. Some policies offer NCB protection add-ons that allow you to make small claims without affecting your discount. Always check your policy document to confirm how claims impact your NCB.

2. NCB applicable to both new and used cars?

Yes, your NCB can be transferred to a new or used car as long as you are the policyholder. Make sure to request an NCB certificate from your previous insurer when switching vehicles.

3. How long is an NCB certificate valid?

Usually, NCB certificates are valid for 90 days from the expiry of your previous policy. If you renew or buy a new policy after this period, some insurers may require additional verification.

4. Does NCB apply to third-party insurance?

No, NCB only applies to the Own Damage (OD) portion of your car insurance premium, not the third-party liability portion.

5. Can NCB affect my premium for multiple cars?

NCB is tied to the policyholder, not the vehicle. You cannot use the same NCB for multiple cars simultaneously, but you can transfer it when you sell one car and buy another.

Note: This is an indicative explanation. Please read your policy document for full details regarding NCB, inclusions and exclusions.

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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.

Updated on 27 Nov 2025

If you are a car enthusiast or simply someone curious about how your vehicle works, you may have heard the term “V engine” tossed around quite a bit. Found in everything from sports cars to luxury sedans, these engines are known for their powerful performance, compact design and efficient balance of speed and torque.

Understanding the different types of V engines can help you appreciate your car’s performance better and even make smarter decisions when choosing a vehicle or the right four-wheeler insurance to go with it.

What is a V engine?

A V engine is an engine in which cylinders are arranged in two rows,  tilted toward each other, usually forming a 60 to 90-degree V shape when viewed from the front. The cylinders on each side are joined to one central crankshaft. The V shape helps reduce engine length and weight, providing better handling and balance, especially in sports cars and larger SUVs.

V engines are one of the most efficient ones in creating rotational power.  This design also enhances engine performance by allowing more cylinders, which translates to smoother power delivery and higher speed capabilities.

How do V engines work?

A V engine operates on the same basic principle as any internal combustion engine. The cylinders draw a mixture of fuel and air into the combustion chamber and are ignited there, generating power that drives the pistons.

Types of V engine

V engines are categorised based on the number of cylinders used in them. These are as follows:

• V2 Engine

The V2 engine, commonly equipped in motorcycles, was first used in Daimler Stahlradwagen's automobiles in 1889. It features two chambers and is commonly known as V-twin cylinders. The piston's engine has cylinders sharing a common crankshaft.

• V4 Engine

The V4 engines are among the rarest used in automobiles. In a V4 engine, four cylinders are connected to the crankshaft. It has a more complex structure and performs smoothly. It performs better in terms of power and rigidity. Some V4 engines have two crankpins that are shared by opposing cylinders. Typically, three main bearings support the crankshaft in this engine type.

• V6 Engine

The compact size of V6 engines makes them well-suited for modern vehicles and F1 cars. In this engine, two sets of three cylinders remain connected with the crankshaft at an angle. Their short length, along with great performance, significantly reduces vibrations, enhancing overall vehicle durability.

• V8 Engine

After the initial success of V2 engines, engineers developed 8-cylinder V engines. It is a potent engine. Most V8 engines use a V-angle of 90 degrees between the two banks of cylinders, promoting optimal engine balance. This angle contributes to excellent balancing and reduced vibrations in the engine.

• V12 Engine

The twelve-cylinder piston engine is one of the most powerful in the automobile industry, generating high horsepower. It features two sets of 6 cylinders placed on either side of the crankcase at a 60-degree angle. Each bank of a V12 engine functions as a straight-six engine, which by itself has perfect primary and secondary engine balance. It is usually used in high-end cars because of its exceptional performance.

Conclusions

V engines have revolutionised automotive engineering by allowing manufacturers to pack more power into less space. Whether it is a V6 that offers a smooth city ride or a roaring V12 under the hood of a supercar, each configuration serves a purpose- from performance to practicality.

As you explore what powers your vehicle, it is equally important to ensure your four-wheeler is secured by the right car insurance. Let us help you navigate your options with personalised car insurance advice. Simply fill out the form on this page, and our experts will help you choose the right plan, whether it is comprehensive or third-party car insurance tailored to your needs.

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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.

How to pay traffic challan in Bhopal?

Have you ever been caught speeding or jumping a red light, which landed you in a pay-a-fine situation? Figuring out how to pay traffic fines quickly and easily is a priority in such a situation. Let’s delve into how to pay the fine for a Bhopal traffic challan.

Pay traffic challan in Bhopal

Paying fines is more convenient and safer than ever. Various payment options, like online or offline, can be used to pay e-Challans in Bhopal. The e-challan portal simplifies checking out breaches of traffic regulations and norms while keeping you compliant with the law. You can also opt to pay via the offline mode. Here are the details about how to pay the fine offline and online.

Steps to pay traffic challan on the e-challan official website

To pay a traffic e-challan online in Bhopal, follow the steps listed below:

• Visit the Parivahan e-Challan Webpage for online payment of Bhopal traffic police challans.
• On entering the Captcha Code, press the "Get Details" option.
• From the list of e-challans displayed, select the pending one to make the payment.
• Pay the amount as displayed on your screen.
• You will get a confirmation email with the transaction ID once the payment is successful. Save it for your records.

Steps to pay traffic challan on the state transport website

Follow this procedure for payment of the e-challan through the Bhopal’s official transport website:

• Log onto the official state transport website.
• Find a section to pay fines for violations.
• Choose to pay the fine for flouting parking rules or other charges for which the challan was issued.
• Select the appropriate link; fill in the requisite information depending on the traffic violation.
• Enter your vehicle and your new registration number, old registration number, or parking ticket (if you know it).
• Make the outstanding payment by Mastercard/Visa card.
• Remember to insert the Captcha Code in the space provided before clicking on 'Submit.'
• Make the payment through this secure page.

Steps to pay Bhopal traffic challans and e-challans offline

Paying the traffic challans and e-challans offline involves:

• Visit the nearest RTO or traffic police station.
• Take the original copy of the e-challan or traffic ticket.
• Provide the necessary information, including the driver’s licence number, car registration number, and personal information.
• Depending on the available options for payment, pay the fine in cash, by cheque, or by DD.
• Print the payment receipt for the record.

Conclusion

Before making an e-challan payment in Bhopal, understanding the steps is crucial. Utilise the available resources to make the payment for traffic challans hassle-free. Additionally, having car insurance coverage provides financial protection and peace of mind on the road, ensuring compliance with legal requirements.

A survey conducted in the Asia Pacific region by the Ford Motor Company revealed that over 49% of the Indian respondents spent more than 100 minutes every day behind the wheel. That’s exactly the kind of time spent sitting in one position that can cause back pain.

While you cannot cut driving out of your daily schedule, you can definitely follow these 6 proven tips to prevent back pain from driving.

Plan Your Drive

Even if it is your daily commute to work, take five minutes to plan your drive. Check Google Maps to choose a route with less traffic congestion and remember to skip the roads with potholes and other minor roadblocks, as the jolts emanating from these can lead to back pain.

Get Comfortable

No matter how late you’re running, take two minutes to adjust your seat, get into a good posture, check the mirrors and get comfortable. If you start driving while being uncomfortable, these minor irritations will grow along the ride.

Get rid of things like your wallet, keys and phone from your back pockets to avoid lower back pain in the long run. If consistent attention is paid to minor things like these, it can go a long way to prevent back pain.

Ergonomic Seating Position

A 100-degree angle for the seat is recommended by many. In any case, your seat should be positioned in such a way that you’re sitting straight with a slight recline. Also make sure to sit close to the wheel because prolonged arm extending tends to exert unnecessary stress on your spine.

Take a Break

The reason driving for long hours can cause back pain is because the spine is designed to move. Sitting for prolonged hours stiffens the back muscles leading to aches and muscle spasms.

If you’re driving for more than 30 minutes, make it a habit to take a break. Schedule spots to stop and get out and move around. This movement is much needed for stimulating blood circulation and providing oxygen to your lower back, helping to prevent back pain.

Divert Your Mind

Remember how the doctor would try to engage you in a conversation as a child while you were getting your shots? That’s because diverting your mind from the pain helps with it. A long car drive can seem even longer if you have nothing entertaining you. Divert your mind with the help of audiobooks or podcasts, things you care about or simply listen to music.

Get Regular Exercise

Integrating regular exercise into your schedule is a good way to not just strengthen your back muscles in order to prevent back pain, but to also keep you fit overall. You can try running, swimming and even resistance training. If your back is really posing problems, you can opt for exercises specific to back muscles and indulge in yoga too.

If you follow these basic, easy-to-incorporate tips, your daily drive will become more comfortable and painless.

While you will protect your back and posture with these tips, your car too needs protection from the contingencies of life on the road. Getting car insurance is a sure shot way of protecting your car. It protects your finances from losses incurred on your car to natural or man-made calamities as well as legal liabilities arising out of third-party accidents.

Why is it important to have third party car insurance?

Third party insurance is mandatory as per the Motor Vehicles Act, 1988. If there is a car accident, where your car is at fault, you are liable to pay for the damages to the property of the third party, and for the injury or death of the third party.

If you do not have a third party motor insurance, you would have to pay the claim costs from your pocket, as well as pay penalty for driving without a third party car insurance.

 

What is Third Party Car Insurance

Road Accidents in India - 2016, is a report by Ministry of Road Transport & Highways. As per the report, there are 55 road accidents, and 17 consequential deaths every hour in 2016. Third party car insurance is a risk cover, where the insurance companies compensate for the legal liabilities which are claimed by a third party, when the vehicle of the insured is at fault.

It is important to note here that the third party car insurance does not cover the insured or the damage to his/her car.

Third party motor insurance policy covers:

• Death, bodily injury, or disability of the third party
• Damage to the property of the third party

There is no limit on the liability covered for injury or death, but the limit for third party property is capped at ₹7.5 lakh by Insurance Regulatory and Development Authority of India (IRDAI). For damages exceeding this limit, the policyholders will have to pay the balance themselves.

 

Consequences of Not Having Third Party Car Insurance

As per the law, it is an offence to ply an uninsured vehicle. Third party car insurance is also called 'Act only' insurance. Third party car insurance needs to be taken while purchasing the vehicle. It is as important as a driving license, without which the car owner can be penalised. The penalty could include:

• Surrendering of driving license
• Suspension of your vehicle’s registration
• Fine and/or imprisonment

If you are buying a vehicle, get your third party car insurance now, you will not only be saving yourself from getting penalised but will also be insured against third party legal liabilities arising out of an accident.

The Motor Vehicles (Amendment) Act 2019 came into effect on September 1, 2019, with an intent to curb road accidents in India and boost road safety. This massive update to the Motor Vehicles Act 1988 has led to the introduction of fresh penalties and license requirements for vehicles along with new operating standards for both personal and commercial motor vehicles.

The new Motor Vehicles Bill brings forth a jaw-dropping surge in the fines for traffic rules violators. The Bill also seeks to spread awareness towards road safety and aims to discourage drivers from flouting traffic rules and regulations.

Here are some of the key points of the Motor Vehicles Act (Amendment) Act 2019 that you must know:

Mandatory Motor Insurance

The Bill instructs the Central Government to create a special Motor Vehicle Accident Fund that will be designed to provide compulsory vehicle insurance to vehicle owners. Car insurance and two-wheeler insurance offered by the Government has been targeted to ensure:

• Medical treatment for road accident victims under the ‘golden hour’ scheme.
• Monetary compensation to the next of kin of a person who has died in a ‘hit and run’ accident.
• Monetary compensation to the next of kin for a person grievously injured in a ‘hit and run’ accident.
• Monetary compensation for to other victims as identified under the new guidelines.

Vehicle Recall

Under the amended Motor Vehicles Act 2019, the Central Government reserves the rights to recall a vehicle of any make and model if it poses a persistent threat to drivers, environment or the public at large. The ‘recall’ use has been hailed as a great step towards bringing accountability in the auto industry. With the recall clause, a vehicle manufacturer will be liable to:

• Provide full reimbursement to the vehicle owner against the recall.
• Substitute the recalled vehicle with a replacement vehicle that has similar or higher specifications.

Road Accident Compensation

The amended act prescribes compensation and immediate cashless treatment for accident victims with the ‘golden hour’ period. Under the clause, the golden hour is described as the ‘one-hour’ post a major accident, wherein prompt, life-saving medical treatment can be given to the victim, thus saving his/her life. The act also envisions providing interim relief to third-party insurance claimants, seeking compensation.

• Minimum compensation in case of death in a hit & run case: Rs. 2 lakh.
• Minimum compensation in case of grievous injury in a hit & run case: Rs. 50,000.

Legal Protection for Good Samaritans

Under the good samaritans provision, any civilian administering aid (medical/non-medical) to an accident victim will not be pursued with legal/criminal action due to the death of the victim. The same is applicable in the case of seriously injured victims. However, the legal cushion is based on three factors:

• The assistance given to the victim should be in good faith.
• The assistance should not be based on rewards expectations, monetary or otherwise.
• The assistance given should be entirely voluntary.

Increased Penalties

The main talking point of the new Motor Vehicles (Amendment) Act 2019 is the steep rise in the monetary penalties for traffic violators. Despite facing opposition from various sections, the hiked penalties have been enforced and have already witnessed rigorous implementation. If you drive without motor insurance then you will have to pay high penalty.

A majority of the states have welcomed this surge aimed at reducing traffic violations, drastically. Below is the full list of traffic violations and their revised fines as per the Motor Vehicles (Amendment) Act, 2019:

There are primarily two types of covers when it comes to car insurance: these are own damages and third-party covers. Out of these, third-party insurance is made mandatory for all vehicles under the Motor Vehicles Act. These pay for damages caused to the third person by your vehicle in the event of an accident.

Under third-party claims, the maximum claim payout is restricted to just ₹7.5 lakh, if there is only damage to property. However, if the accident results in bodily injury or loss of life, then there is currently no cap on the amount that can be claimed.

Ideally, when someone rams into your car, resulting in huge repair bill, and with no fault of yours, then the cost should be borne by the driver at fault. But, that happens in rare cases. The reason being that to claim third-party insurance, the driver who is not at fault needs to take the erring driver to court and prove he’s guilty. Court trials can be a lengthy, costly and time-consuming affairs and hence very few people actually take this route.

Knock-for-Knock Agreement

So, what happens in the above case? Insurance companies acknowledge the tedious claim process associated with third-party claims. Hence, all non-life insurers in India have to, on an annual basis, sign an agreement with each other. Under its terms, they choose to pay for the damages if both parties have own-damage cover, rather than making use of the third-party cover of the driver at fault.

This agreement is called knock-for-knock agreement and has been created by the General Insurance Council. The dictionary definition is that it is an ‘agreement between vehicle insurance companies, in which each insurer pays for damages to the vehicle insured by it, without attempting to establish blame.’

Why is it Required?

As we all know, the process of filing third-party insurance claim is long and tedious with police and courts involved. This agreement is not mandated by law, but rather, is the result of an understanding between the insurers. This agreement is entered into to avoid the unnecessary delay that is encountered by dragging third-party claims to court.

What Impact it has on You?

This agreement between insurers is meant to avoid the delay that is associated with a court hearing, which can stretch into months and sometimes years. It also saves the concerned parties the frustration that is encountered while filing an FIR and obtaining a charge sheet from the police. Most importantly, it is meant to quickly cover expenses for the damage incurred without causing inconvenience to the customer.

This agreement is voluntary though and the customer can choose to go with third-party claims if he wants to. On the other hand, if the customer chooses to go with own-damage insurance (as part of this agreement) then he faces losing his no-claim bonus, even if the fault is not his.

Getting own damage motor insurance is always better, as it not only covers the third party expenses but also takes care of damage to your car in the event of an accident.