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.

Air pollution poses the most pressing health risk to the global populace but it’s far more pronounced in India. According to the World Air Equality Report, twenty-one of the top thirty cities in the world, suffering from severe air pollution, are in India.

According to the World Health Organisation, hazardous air pollution is the reason behind a staggering seven million premature fatalities globally, mainly due to increased morbidity from a host of cardiovascular concerns, respiratory infections, and cancers.

While rapid industrialisation and emissions of greenhouse gases are significant contributors to the menace, vehicle pollution is guilty of exacerbating air contamination as well. That being said, no matter which part of the country (or world) you live in, you can always take steps in the right direction. This includes altering your commuting and travelling habits.

Use a cleansing agent

With time, harmful deposits start to accumulate in a car’s engine, resulting in decreased efficiency and increased emissions. Adding a cleansing agent in the fuel system helps to remove the deposit build-up and bring down emissions. Note that it is wise to invest in good-quality fuel containing these cleaning additives.

Before you take out your car for a spin, make sure you are adding the cleansing agents into the tank. The fuel cleaner and exhaust should ideally be used every two months for optimum efficiency.

Use better (alternative) fuels

At a gas station, you may have noticed fuel booths that are labelled ‘super’ or ‘premium’. These are alternative fuels that are cleaner substitutes for the regular diesel or gasoline. Thinking about whether these expensive alternatives are worth it? Indeed they are, considering they come with active purifying agents that help to check engine deposits and dirt, thereby limiting emissions and bettering fuel economy.

You might also observe a significant difference in performance. However, this ‘difference’ will depend on the age and make of your car, and your style of driving.

Replace the oil periodically

It is the engine oil that keeps your vehicle moving – lubricating it and preventing any wear and tear. Therefore, it makes sense to change the oil at periodic intervals to ensure your car performs optimally. Driving smart and efficiently is the key here. Go easy on the brakes and gas pedal to cut down car pollution.

Check the manufacturer’s handbook and maintenance schedule; it will help you stay on top of the recommended service intervals. Also, check the level of engine oil between every servicing session and top it up in keeping with the guidelines. Only use oil that is recommended by the manufacturer.

Be it car or two-wheeler insurance, all vehicle owners are required to carry physical copies of their insurance papers. Plying on the roads without insurance is against the law and enforcement officials can demand these papers anytime at random checkpoints. If a vehicle owner is caught without the papers, for whatever reason, then a fine is imposed.

What is e-Vahan Bima?

e-Vahan Bima is a motor insurance policy that is sent to the insured in a digital form. The Insurance Regulatory and Development Authority of India (IRDAI) has come out with this initiative in a bid to digitise vehicle insurance documents. Not only that, this policy also comes with a QR code that has all the details of the insured’s policy.

When the law enforcement authorities ask you for your insurance documents, all you have to do is show them this QR code on your smartphone. The police official will only need to scan the code and all the information will be made available to them, which will be directly taken from the insurer’s database or the central database of Insurance Information Bureau (IIB). If there is no internet connection, an SMS-based verification is also in place.

The Benefits of Digital Vehicle Insurance

Getting the policy papers in a valid, legal format does away with the need of carrying physical copies of your policy papers, thus enhancing convenience. Fraud detection will also get a fillip, as it will become difficult to get away with fake papers as the same can be verified using QR code instantly.

There will also be benefit of cost savings that is made possible due to insurers not required to send out physical documents to policyholders. The resultant cost saving can be passed on to customers in the form of reduced cost of policies.

The policyholder does not have to pay any additional charge for this digital insurance policy. Moreover, since this type of policy is entirely paperless in nature, it is environment friendly as well and will lead to protection of trees.

The e-Vahan Bima was first launched in the state of Telangana on January 2, 2016. This means that digital vehicle insurance policies are accepted by the state’s traffic department. Ultimately, this initiative will be rolled out across the length and breadth of India.

Buying a car is a big deal for many. It is a status symbol and a vehicle of convenience for those who buy it. However, the congested streets also ensure that unfortunate incidents are not far away. Buying car insurance protects you from expensive expenses that may come your way.

Bhubaneswar, the "Temple City" and the capital of Odisha, gets its moniker from its numerous ancient temples that attract thousands of tourists from across the world. Besides its cultural significance, Bhubaneswar has become a booming educational and commercial hub. And with a thriving tourism landscape, road transport is vital in driving economic progress. The Bhubaneswar Regional Transport Office (RTO) plays an integral part by offering transportation services, overseeing traffic regulations, and promoting road safety. Operating under the guidance of the Odisha Transport Department, the Bhubaneswar RTO facilitates vehicle-related services and actively contributes to enforcing traffic rules.

RTO Office in Bhubaneshwar

1. RTO Office (OD-02)

2. RTO Office (OD-33)

Jalandhar is a busy city in Punjab known for its vast population. It serves as an administrative centre and has well-connected roads to other parts of the state. The Regional Transport Office (RTO) of Jalandhar, identified by the code PB 08, oversees traffic-related matters within the city.
The RTO office Jalandhar has various responsibilities, including addressing vehicle-related issues, enforcing traffic regulations, monitoring offences, and prioritising initiatives to enhance road safety. As a key administrative body of the city, the Jalandhar RTO plays a crucial role in ensuring efficient and safe road networks across the city.

RTO Office in Jalandhar

Here are the postal addresses of the main Jalandhar RTO and those of the peripheral RTO offices at Shahkot, Nakodar, and Phillaur:

Updated on 10-04-2025

Ever wondered if your car insurance would come to the rescue when you need a new battery? With so many terms and conditions, the world of car insurance is tricky to navigate. However, do not worry, we're here to answer your question: “Is a car battery covered under insurance?”.

Is a Car Battery Covered Under Insurance?

Electric car batteries are large energy sources that undergo charge and discharge cycles. Lifespan and replacement costs are two concerns regarding a car battery. But, does insurance cover a car battery? Let us check:

• Typically, electric car batteries come with warranties, lasting up to eight years or a specified mileage. Beyond this period, owners may face the need for battery replacement due to wear and tear.
• Car insurance, as a rule, doesn't include vehicle battery coverage. Comprehensive insurance won't cover losses related to depreciation and wear and tear of the vehicle.
• However, insurance companies offer electric car battery coverage as an add-on feature or rider. This additional coverage extends the insurance policy, addressing the inevitable need for battery replacement.

Situations Where Car Insurance Will Cover a Battery Replacement

While routine battery wear and tear is not covered, certain scenarios may be covered:

• Accidents: If your vehicle is involved in a collision that damages the battery, your collision coverage may cover the replacement cost.
• Theft or Vandalism: Comprehensive coverage may cover battery replacement if your battery is stolen or damaged due to vandalism.
• Natural Disasters: Damage from events like floods, hurricanes, or earthquakes may be covered under comprehensive insurance, including battery replacement if affected.

It is important to note that coverage is subject to the terms of your four-wheeler insurance and may require payment of a deductible. Additionally, the cost of the battery replacement must exceed the deductible amount for the insurance to contribute to the expense.

What Are Some Tips for Car Battery Maintenance?

Proper maintenance can extend the life of your car battery and reduce the chances of unexpected failures. Here are some tips:

1. Regular Inspection: Periodically check the battery for signs of corrosion, leaks, or damage. Clean the terminals to prevent corrosion buildup.
2. Secure Mounting: Ensure the battery is firmly secured to minimise vibrations, which can cause internal damage.
3. Limit Short Trips: Frequent short trips can prevent the battery from fully charging. Occasionally, taking longer drives can help maintain its charge.
4. Turn Off Electrical Components: Before turning off your vehicle, ensure that all lights and electrical accessories are switched off to prevent draining the battery.
5. Regular Charging: If you don't use your vehicle often, consider using a trickle charger to maintain the battery's charge.
6. Avoid Extreme Temperatures: Whenever possible, park your vehicle in a garage or shaded area to protect the battery from extreme temperatures, which can affect its performance and lifespan.

Conclusion

So, if you’ve ever pondered the question, “Is a car battery covered in insurance?”, we hope this helps. In a four-wheeler insurance policy, a new battery may not be covered by the standard policy. However, acknowledging the wear and tear reality of electric car batteries, insurance companies provide an option to enhance coverage with an add-on for battery replacement.

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.

Understanding mobile self-inspection and its benefits

Insuring your car is of utmost importance to protect yourself from third party liabilities in the event of an accident involving your car. There is no cap on the liability if a person is injured or killed in an accident caused by your car. The liability due to damage to third party property is capped at ₹7.5 lakh.

The consequences of not getting your car insurance done in time are worrying. The reasons for your car remaining uninsured are trivial. These include non-payment of premium, late payment of premium, and failure to renew. The renewal of a lapsed policy is troublesome. Renewal in time is very easy.

Renewing a lapsed car insurance policy is a long-drawn process. The car owner has to inform the insurance company and get a physical survey of the car done, which could take a few days. The survey of the car is the critical part of the process to renew a lapsed policy. Hitherto, this was the only choice. ICICI Lombard has now made renewing a lapsed policy a much easier process, which takes just a couple of hours.

Mobile Self-Inspection

ICICI Lombard has deployed a digital channel to make life cooler for a car owner even if the insurance policy has lapsed. Mobile app ‘Insure’ now has a ‘mobile self-inspection’ feature.

The car owner has to just pay revival premium online or through the mobile app, following which the customer is prompted to upload the self-inspection video via the Insure app. The policy is generated within a few hours after the self-inspection video is approved as per ICICI Lombard’s underwriting guidelines.

In navigating roadways, awareness of cautionary signs is vital, forewarning of potential hazards. Triangular with red borders, adherence is crucial for safety. While not legally binding, compliance is proactive, averting severe accidents. This blog explores cautionary road signs in India, shedding light on their significance in navigating diverse traffic terrains.

Cautionary traffic signs

Cautionary traffic signs warn drivers about potential threats or safety hazards ahead on the road. Drivers should take necessary steps or slow down their vehicles according to cautionary signs given on the road. They are essential because avoiding them could result in major accidents.

The cautionary traffic signs, along with their meanings, are listed below:

• Right-Hand Curve

Aware of the driver of a right-hand curve.

• Left Hand Curve

Aware of the driver of a left-hand curve.

• Right Hairpin Bend

Aware regarding a sharp right turn.

• Left Hairpin Bend

Indicates a sharp left turn.

• Right Reverse Bend

Alerts the driver about a zigzag turn to the right.

• Left Reverse Bend

Alerts the driver about a zigzag turn to the left.

• Steep Ascent

Shows that there is a steep rise upwards close by

• Steep Descent

Shows that there is a steep descending downwards close by 

• Narrow Road Ahead

Alert the driver about the road ahead, which merges into a narrow road.

• Road Wideness Ahead

Alert the driver that the road ahead widens.

• Narrow Bridge

Shows the driver that there is a narrow bridge on the road ahead.

• Slippery Road

Aware the driver that the road is slippery as gravel or loose earth keeps falling. 

• Cycle Crossing

Shows that the road is made for riding a bicycle.

• Pedestrian Crossing

This sign shows that pedestrians can cross the road.

• School Ahead

Alerts the driver that there is a school nearby.

• Men At Work

Shows that labourers are working on the road ahead.

• Cattle

Mention that there is a possibility of cattle on the road nearby.

• Falling Rocks

Alerts the drivers about the road ahead, which is prone to falling rocks.

• Ferry

This shows that there is a ferry service present.

Car insurance companies use their algorithms based on your personal information and company claim data to determine your policy rates. Knowing what factors affect your premium rates can help you make a more informed decision when purchasing insurance. The rule of thumb is to choose a policy that perfectly balances the coverage amount with the premium amount.

Here are the factors that play a crucial role in determining your car insurance premium:

1. Model of the Vehicle

Insurance companies will charge you a higher premium if you are going to insure your Ferrari. Technically, the insurance premium depends on the value of your vehicle, which is termed as Insured Declared Value (IDV). Besides the model, the vehicle size is also a deciding factor in car insurance premium rates. Big cars like SUVs are generally safer than small cars in accidents. Additionally, large cars with similar safety ratings as small cars have lower premium rates. Engine to body size ratio also impacts premium rates. For example, insurance for a car that comes with a V8 engine costs more than a small car with a V4 engine.

2. Manufacturing and Registration Dates

The manufacturing year and registration date of the vehicle are also taken into account to decide insurance premium rates. So the older the car, the higher the premium you will have to pay. A car is a depreciating asset which means as your car gets older, repair costs increase since spare parts get harder to find.

3. Purpose of the Vehicle

The manufacturing year and registration date of the vehicle are also taken into account to decide insurance premium rates. So the older the car, the higher the premium you will have to pay. A car is a depreciating asset which means as your car gets older, repair costs increase since spare parts get harder to find.

4. Gender & Age

According to statistics, young males are more prone to accidents than female teenagers. So, young men usually incur higher premium rates than young women. The premium rates get stabilized once you reach the age of 25. However, older men generally have cheaper premium rates than women.

5. Marital Status

According to the study, marital status is almost as significant in car insurance premium rates as age and gender. On an average, a married 22-year-old pays lesser premium than a single 20-year-old for the same policy. Premium differences between married and unmarried drivers drop off significantly as they get older. Notably, a marriage will generally qualify you for a healthy discount on your car insurance premium. The important downside is that insurance companies will factor both spouses’ driving records when creating the quote. If the person you marry has multiple accidents or citations, you may end up paying higher premiums.

6. Personal Driving Behavior

If you have been involved in accidents or have made previous claims, the insurance company will infer that you are more likely to make another claim. If you have a bad driving record, the company might even deny you insurance altogether. Other personal details that affect your premium rates include the purposes you use the car for, the distance you drive. You might be able to get a discount on your premiums if you don’t use your car every day for work.

Under the Motor Vehicles Act, securing four-wheeler insurance is mandatory for car owners in India. However, delving deeper, does the landscape of car insurance hold distinct implications for married couples? In this blog, uncover the nuances and benefits unique to ‘car insurance for married couples.’

Driving Together: Navigating Car Insurance for Married Couples

The average car insurance cost for married couples in India typically ranges from INR 10,000 to INR 30,000. When considering car insurance for married couples, here are some key points to be aware of:

1. Opting for joint policies can result in significant cost savings, effectively reducing married couples’ average car insurance cost.
2. Married couples with more than one car can benefit from multi-car discounts. Insurers often provide discounts when multiple vehicles are insured under a single policy.
3. Insurance companies perceive married couples as lower-risk drivers than singles. This lower risk perception often translates into reduced car insurance premium rates.
4. Assess your coverage requirements together. Comprehensive and third-party liability coverage costs can vary from one state to another. For instance, in Maharashtra, comprehensive coverage may cost around INR 19,500, while in Karnataka, it could be around INR 18,800.
5. A strong combined credit history as a married couple can positively influence your insurance rates.
6. It’s important to regularly review and update your policy to reflect changes in driving habits or personal circumstances. This ensures that your coverage remains relevant and aligned with your current needs.

The key is pivotal for manual or electronic car operation. While car insurance is common, insuring keys is rare. Replacement ease varies; manual keys are simple, but remote-operated keys pose challenges. Losing a key, especially with keyless entry, demands strategic solutions to regain access. This blog presents solutions to an unlikely but potentially nerve-wracking scenario—what to do if you lose your car keys.

Things to do if your key is lost

In case you are unable to find your car keys, here are some things you can do-

1. Thoroughly search for the keys: 

Check every nook and cranny. Start by searching all places before jumping to conclusions. Sometimes, keys are misplaced in one room while we search in another.

2. Notify your insurance company:

Immediately inform your insurance company in writing about the missing car keys. This step is crucial, especially considering the increased risk of vehicle theft when a key is lost. Report it to avoid claim rejection if theft occurs.

3. Use spare keys:

Spare keys are a lifesaver during a crisis. When the main key goes missing, they come to the rescue. If you’re away from home, consider moving the car to a location and retrieving spare keys to gain access to it.

If you need a spare, carefully consider what type of replacement key you require. Whether it is a transponder key, key with FOB, or smart key, make an informed decision to avoid future occurrences.

4. Avoid using other keys:

Using non-original keys may void the car manufacturer’s warranty. While locksmiths’ keys might temporarily unlock the car, it’s not advisable due to the theft risk. Improper use of unauthorised keys can also damage the car’s lock.

5. File a police report:

It is essential to inform the police and file a First Information Report (FIR) in case of lost vehicle keys. Be sure to report the incident to the police, noting the time and location. Share the FIR with your four-wheeler insurance company if you need to make any theft-related claims.

Adhere to these steps to adeptly address the challenges accompanying the loss of car keys and mitigate risks associated with such incidents.

Types of car keys

Understanding your car key type is essential, as it determines the replacement process and cost of replacement. Here are five common types:

1. Mechanical keys:
• These are traditional keys used in older vehicles without electronic components.
• Replacement: Easily duplicated by locksmiths due to their simple design.
2. Transponder keys:
• They are equipped with a microchip that communicates with the vehicle's Electronic Control Unit (ECU) to start the engine.
• Replacement: Requires programming; a specialised locksmith or dealership can assist.
3. Remote keys:
• They are mechanical keys with a remote control to lock/unlock doors.
• Replacement: Involves both key cutting and remote programming.
4. Flip or switchblade keys:
• The keys can be folded into a fob, offering a compact design.
• Replacement: Similar to transponder keys, both cutting and programming are needed.
5. Smart keys:
• They allow keyless entry and engine start, commonly used in modern vehicles.
• Replacement: Must be obtained and programmed through the dealership.

What to do when there is no spare set?

If you've lost your only car key and don't have a spare, follow these steps:

1. Contact a professional locksmith: Many locksmiths specialise in car key replacement and can create a new key on-site. Ensure they have experience with your specific key type.
2. Reach out to your dealership: Dealerships can provide a replacement key; however, this option may be more time-consuming and expensive.
3. Check your insurance policy: Review your car insurance policy to see if it includes key replacement coverage. If so, your insurer may cover part or all of the replacement cost.
4. Consider roadside assistance services: If you have a roadside assistance plan, they might offer services for lost or broken car keys, including towing your vehicle to a safe location.

Conclusion 

Losing your car keys can be quite stressful. Approaching it in a manner often leads to resolution. From retracing your steps to seeking assistance from a locksmith, these steps will help you regain control and get back on the road quickly.

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.

Vehicle theft is arguably one of the fastest growing crimes in India. As per a report published by The Hindu, a total number of 44,158 cases of vehicle theft were reported last year in Delhi alone. The report also mentioned that only 19.6 percent of these cases were solved by the police, which means that most of the missing vehicles could not be traced.

According to the experts and police authorities, inadequate parking space in residential areas and the reluctance of vehicle owners to spend too much on anti-theft devices have contributed to this growing menace. While a major portion of these stolen vehicles consisted of bikes and two-wheelers, an increasing number of cars and trucks are also being snitched by the swindlers.

What’s the way out?

To address this raging issue of vehicle theft in India, many tech companies are coming up with innovative products that can help both, the vehicle owner and the police personnel to trace the automobile after it is stolen.

For example, a South Africa-based company – Recoveri – has introduced a smart modern technology called ‘MicroDot’ which can be highly useful for identifying and tracing the lost vehicles and other valuables, for that matter.

What exactly is the ‘MicroDot technology’?

‘MicroDot’ is a very effective technology that can be used for the marking of whole vehicle body. It involves spraying of millions of very small laser dots etched with the ‘Vehicle Identification Number’ (VIN) throughout the body of the vehicle.

These polymer dots, which are less than even 1 mm in size, are very difficult to detect with the naked eye and can be seen only through a microscope under the ultraviolet or black light.

How can this technology act as an ‘Anti-Theft Deterrent’?

MicroDot technology is a state-of-the-art identification system that can act as a robust anti-theft security system for vehicles around the world. It involves the diffusion of polyster substrate dots containing the unique information related to the identification of the car or two-wheeler.

Most of the auto manufacturers have started using this technology to mark the vehicle body with a unique VIN in order to enhance its security. These micro dots can be added to the vehicle even after its purchase, the only difference being the aftermarket system will use the owner’s Personal Identification Number (PIN) rather than the vehicle’s VIN.

These dots, once spattered uniformly over the vehicle body, are almost impossible to remove completely as they are less than even 1 mm in diameter. It means that in case a vehicle gets lost or stolen, the police authorities can easily trace and identify it by scanning the information stored in these micro dots present on the vehicle body.

Besides the cars and two-wheelers, ‘MicroDot’ technology can also be used to secure expensive equipment, tools, gadgets, and household items such as mobile phones, laptops, luggage, jewellery etc.

To increase the penetration of this theft deterrent technology in India, Recoveri is planning to invest 10 million dollars in order to set-up authorised MicroDot fitment centres across the country.

Updated on - 04 Feb 2026

Buying a new vehicle is always an exciting moment. But before you take it home, there is one important step you should not skip: the Pre-Delivery Inspection (PDI). A PDI is a detailed check carried out before the vehicle is handed over to you. It makes sure that everything is in perfect working order, and you get what you have paid for. Here is everything you need to know about PDI.

Importance of pre-delivery inspection

Vehicles travel from the factory to storage yards and then to the showroom, potentially picking up dust, scratches or minor damages. A PDI ensures the vehicle is safe, clean and free from defects, and that all promised features and accessories are present. Skipping PDI may result in problems that could have been noticed earlier.

What does a pre-delivery inspection include?

Pre-delivery inspection entails an examination of the interior and exterior, along with the mechanical and electrical components of the car. Make sure you are satisfied with the optimal functioning of the following features in the car, such as:

• Door locks and power windows
• Bonnet
• Boot lid
• Dirt- and rust-free engine bay
• Tyre tread
• Original Equipment Manufacturer (OEM) toolkit
• Windscreen and window glass
• Quality of the dashboard
• Damage-free seats, door pads and AC vents
• Proper functioning of seat belts and seat adjustment controls
• Freely moving steering wheel.

Common mistakes customers make during PDI

 Some common mistakes are:

• Inspecting in poor lighting.
• Ignoring small scratches or dents.
• Not verifying documents carefully.
• Forgetting to check spare keys, tool kit or manuals.
• Not asking questions when something is unclear.

Difference between pre-delivery inspection and post-delivery service

Here's the major difference between the two:

Who is responsible for PDI – dealer or customer?

The dealer is primarily responsible for conducting the PDI, checking the vehicle’s exterior, features and documents. However, the customer should also inspect the vehicle carefully to ensure nothing is missed.

Tips for a smooth pre-delivery inspection experience

Below are a few tips for a smooth PDI experience:

• Inspect in daylight and take your time.

• Carry a checklist and a knowledgeable friend if possible.

• Verify all accessories, documents and vehicle features.

• Do not sign delivery papers until fully satisfied.

Moreover, start planning for comprehensive car insurance to get protection throughout your ownership journey.

Step-by-step pre-delivery inspection checklist

Here is a PDI checklist you can follow during your inspection:

• Exterior: Paint, tyres, mirrors, lights, wipers.

• Interior: Seats, dashboard, controls, infotainment.

• Engine bay: Fluids, battery, belts.

• Documents: Invoice, insurance, registration, VIN/engine number.

• Accessories: Tool kit, spare tyre, jack, mats, manuals and warranty booklet.

• Mechanical Test: Engine start, horn, lights, AC.

Conclusion

A pre-delivery inspection is not just a formality, but your right as a customer. You can make sure your investment is safe and stress-free. At the same time, remember that protecting your car doesn’t end with the inspection. Accidents, damages or unexpected repairs can happen anytime. For simple, tailored advice on choosing the best car insurance online for your needs, fill in the form provided on this page.

FAQs

1. How long does a PDI take?

A pre-delivery inspection usually takes between 30 minutes and an hour.

2. Can I refuse delivery if I find issues?

Yes, you can. You have the right to ask the dealer to fix them before you accept delivery.

3. Do I need a mechanic with me?

It is not necessary. However, if you are unsure about certain checks, bringing a knowledgeable person can help.

4. Is PDI free of cost?

Yes, a PDI is included in the purchase.

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.

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Tyre Inspection: Tips for Safety

The roads are silent witnesses to the way all sorts of drivers operate, each with a unique set of driving behaviours. Amidst all these are certain factors, including road safety issues and insurance, which differentiate high-risk drivers from their low-risk counterparts. This blog briefly discusses the key characteristics of high-risk drivers, including their need for high-risk insurance.

First, let’s understand which category of drivers fall under the high-risk driver category. A high-risk driver is someone more likely to be involved in accidents and vehicle insurance claims. Various factors contribute to this categorisation of drivers, including demographic and behavioural aspects.

Insights Into Characteristics That Affect Your Driving Profile

Age:

One of the common factors that defines high-risk drivers is age. While older people can be categorised as high-risk given their potential health issues, lack of experience prompts this profiling for younger people.

Claim history:

When an individual has a long history of insurance claims, regardless of reason and fault, they may be profiled as high-risk drivers. Insurance companies assess past incidents to interpret the likelihood of future claims a driver will likely make.

Location:

A driver’s physical location can also help determine the risk. A driver’s physical location can also help determine the risk. Since urban areas are prone to more accidents, the risk profile of drivers dwelling in such regions gets impacted by the high traffic levels.

Marital status:

Surprising as it may seem, the marital status of a driver can help profile them as high- or low-risk. Married individuals are perceived as more likely to be responsible, which also accounts for lower insurance premiums, unlike their single counterparts.

Tips to Become a Low-risk Driver:

• Beware of potential road hazards. Stay proactive and maintain a safe distance.

• Adhere to permissible speed limits and drive as per road conditions.

• Avoid distractions such as making phone calls, texting, etc.

• Ensure your vehicle is in the optimum condition. Perform regular check-ups to prevent breakdown risks.

• Adhere to traffic rules, including signals and signs.

• Say no to driving under the influence of alcohol or drugs.

• Be careful when parking your vehicle to avoid collisions.

• Stay up-to-date with traffic rules and safety guidelines.

Insurers decide insurance premiums according to the risk profiling of car insurance applicants. High-risk car insurance can shoot up premiums, but what is high-risk car insurance, and how do insurance companies measure the risk element?

Let us understand the nuances in the following passages.

High-Risk Car Insurance

Some insurers may consider your insurance application a high-risk insurance case after assessing the following factors;

• A history of frequent claims can put you in a high-risk zone and inflate your premium amount.
• Young people (30-35) are less experienced drivers, which may trigger higher premiums.
• Some locations fall into high-risk zones, given the high incidence of thefts and accidents. Car owners from such areas may need to pay higher premiums for high-risk car insurance.
• Some insurance companies consider unmarried people high-risk insurance candidates compared to married people who enjoy lower premium car insurance policy. The logic supporting this view is that married people are financially stable and responsible drivers.

Car insurance policies are mandatory for every vehicle owner in India. It keeps them protected from various financial burdens, damage, etc. However, did you know that the type of vehicle you own can have an impact on the insurance premium? In this blog, you will gain a deep insight into the average price of a car insurance policy based on the vehicle type.

Understanding how your vehicle type impacts car insurance cost?

Car insurance rates vary by vehicle type in the following ways:

• Sedans are recognisable by their widespread use and are considered safer and more stable, with relatively low premiums. Third-party liability insurance costs are between INR 5,000/- and INR 10,000/-, and comprehensive coverage costs are between INR 10,000/- and INR 20,000/-.
• SUVs are known for their durability; therefore, their premiums—from INR 7,000/- to INR 15,000/- for third-party and INR 15,000/- to INR 30,000/- for comprehensive coverage—are higher, given the apparent risks involved.
• Popular for being the most reasonably priced, hatchbacks have the cheapest premiums, ranging from INR 4,000/- to INR 8,000/- for third-party and from INR 7,000/- to INR 15,000/- for comprehensive coverage.
• Luxury automobiles are expensive; hence, they command hefty premiums that range from INR 8,000/- to INR 18,000/- for third-party liability and INR 10,000/- to INR 25,000/- for comprehensive coverage.

Yet another type of car insurance is available, called temporary VIN insurance or chassis number insurance. This type facilitates you to buy the necessary insurance to register your vehicle, following which you can apply for permanent insurance. This insurance type is typically applicable for imported or custom-built cars.

Factors that influence car insurance cost

Apart from the vehicle, several other aspects can have a massive effect on the cost of the vehicle policy in India. This includes the following:

• The car’s model and age
• Age and gender of the owner
• Engine size (cubic capacity)
• Fuel type (electric/diesel/petrol)
• Location of registration
• Claim history
• Type of insurance coverage (comprehensive or third-party)
• Add-ons, such as roadside assistance, zero depreciation, etc.

Breakdown of premium components

In India, comprehensive car insurance premiums generally include 18% GST, a mandatory third-party premium and an own-damage premium covering the insured vehicle. Optional add-ons like engine protection or zero depreciation may raise the cost. However, discounts such as No Claim Bonus (NCB) and other offers can reduce the final premium.

How vehicle type affects risk profile

Faster and larger vehicles are viewed as higher risk by insurance firms. For instance, a luxury sedan or an SUV is more expensive to repair and is more likely to be damaged or stolen. This increases the risk for insurance firms, so they charge more. On the other hand, a small electric or hatchback has lower repair costs and might be considered much safer, which leads to lower premiums.

Cost difference by fuel type

Fuel type plays a role in determining vehicle insurance costs. Petrol vehicles normally have lower premiums. Diesel vehicles usually cost more to insure because of their higher engine capacity.

Electric vehicles generally have higher insurance premiums due to their expensive components, especially the battery. However, they may qualify for special discounts under government policies.

How to reduce your insurance premium

When you want to lower the insurance premium, the following tips will help:

• Pick a higher voluntary deductible
• Install all the anti-theft devices
• Avoid frequent or small claims
• Compare the insurance policies online
• Renew the policy on time to avoid penalties
• Drive safely to earn NCB (No Claim Bonus)

Conclusion

Your vehicle type plays a massive role in determining the car insurance premium. Whether you have a premium SUV or a simple hatchback, knowing how insurance costs are calculated can help you make wise financial decisions. To explore your options and receive tailored advice, fill out the form on this page and get expert support for choosing the right car insurance online.

FAQs

• Does the vehicle’s shade affect the insurance premium?

No. In India, a car’s colour will not have an impact on the insurance premium.

• What is NCB (No Claim Bonus)?

NCB is a discount provided for not making any claims during a policy year. It can go up to 50% over time.

• Is it possible to transfer an online policy to a new vehicle?

Yes. You can easily transfer your current insurance policy to your new car by informing the insurer and updating the vehicle information.

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.

When buying four wheeler insurance, age, gender, and other factors are considered. The following passage explores how car insurance prices vary by age and the reasons behind such variance.

Let’s explore this interesting subject further.

Understanding How Age Impacts Car Insurance Premiums

Car insurance rates by age usually remain high during young age and low in senior years. You may wonder why we must pay higher premiums at a young age and lower as our hair turns grey. Let us understand the reasons in the subsequent passages.

• Research says people at a young age, say in their 20s, are more open to taking unnecessary driving risks, causal driving with friends or partners, rash driving under the influence of alcohol or other intoxicants, etc. The ratio of accidents is higher among younger people compared to their senior counterparts.
• Insurance companies inflate car insurance prices by age after considering risk factors. Prominent risk factors among young people are lack of skills and experience, neglect of wearing seat belts, getting distracted while driving, speeding, and low adherence to traffic rules.
• These characteristics among people in their 20s and early 30s put them into the high-risk category and affect car insurance approval and premiums.
• Let us come to senior people. Most insurance companies offer affordable car insurance products for experienced people in their 40s and 50s. Married people with driving experience are less likely to get into accidents; they are expected to be more responsible drivers and abide by traffic rules on the road.
• These factors make senior people low-risk car insurance applicants, and insurers charge lower premiums. However, the premium might shoot up again at more advanced ages, such as 65 and above, because of age-related issues.
• To sum up, insurance companies offer high-premium four-wheeler insurance to people between 18 and 25 years and starts decreasing after 25 years. Those in their 40s and 50s get the best car insurance products. People in the late 60s get counted in the high-risk category again, and the premiums shoot up.

For example, the premium for a 16-year-old driver can be as high as 16% at INR 4,000. This rate goes down as the driver’s age increases; at 22 years, the premium more than halves to 7% to settle at INR 3,000.

Functioning, deployment and usage of the safety feature

Airbags are a common safety feature in cars around the world. Their purpose is to help the passenger in the car reduce their speed in collision without being injured. An airbag has a restricted amount of time to act in the interval when the car hits the obstacle in front and the passenger strikes the steering wheel.

How Do Airbags Work

When a moderate to severe crash occurs, a signal is sent from the air bag system’s electronic control unit to the inflator within the airbag module. Due to this, an igniter or initiator in the inflator starts a chemical reaction to produce a harmless gas, which inflates the airbag in a heartbeat or 1/20th of a second to be exact.

Reasons for Airbag Deployment

An airbag should deploy in every crash where it can help prevent an injury. It is primarily designed to avert head, neck and chest injuries that you would otherwise suffer in its absence. This means that, hypothetically, a frontal air bag should deploy in case of an accident where you can injure your head hitting the steering wheel.

Since the severity of a crash depends upon the speed of the vehicle and the impact of the crash, airbags are designed to be deployed after a certain speed limit during an impact.

Incidents that range from moderate to severe crashes, and involve the front bumper or corners of your vehicle should expect an airbag deployment.

Updated on - 13 Feb 2026

Car insurance is mandatory in India as per the Motor Vehicles Act. With the increase in car sales, many insurers are offering lucrative insurance covers, spoiling the customer with choices. Insurance coverage for one year is mandatory when a new car is purchased. Post one year, it is the car owner’s responsibility to renew the insurance cover.

Most car owners prefer to continue with their original insurer and don’t bother to take a second look at the other, more beneficial and cheaper options, available in the marketplace. Sparing a few minutes before renewing your car insurance can yield great savings in the long term.

Importance of renewing car insurance on time

Renewing your car insurance policy on time helps avoid a penalty and ensures uninterrupted protection and financial savings. Here is why timely renewal matters:

• Avoid a lapse in coverage: A lapsed policy means your car is uninsured, making you legally and financially vulnerable.
• Protect your no-claim bonus (NCB): Timely renewal ensures you retain your accumulated NCB discount, which can significantly reduce premiums.
• No need for fresh vehicle inspection: A delay of renewal beyond the grace period may require a physical inspection by the insurer, adding hassle and potential costs.
• Legal compliance: Driving without valid insurance is a punishable offense in India.

Factors that affect your car insurance premium

Understanding what goes into calculating your premium is the first step in saving money. Several variables play a role:

• Type of insurance: Comprehensive car insurance offers broader protection compared to third-party plans but comes at a higher cost.
• Vehicle details: Age, model, fuel type and engine capacity affect the Insured Declared Value (IDV), influencing your premium.
• Geographical zone: Premiums differ based on where you register your vehicle; high-traffic urban areas usually attract higher premiums.
• Driving history: A clean, claim-free record helps you earn NCB discounts, lowering renewal costs.
• Add-ons and voluntary deductibles: Add-on covers increase premiums, while a higher deductible can bring them down.

Tips to save money while renewing car insurance

Here are a few aspects that you must look into before renewing your car insurance to save money.

• Car insurance policy comparison

Most people might be tempted to just go with their current insurance policy, as that seems to be the most convenient and hassle-free way to get things done quickly. However, there is also the possibility that the insurer has made revisions to the terms and premium calculations.

It is always better to browse through the premiums charged by other providers. This is not a time-consuming process as there are hundreds of websites available that let users compare different car insurance policies online. A little research on your end can save you valuable money over the period of coverage.

• Value of your vehicle

A little calculation of the current value of your car, taking into account the depreciation factor, can save you a lot of money on your premiums. Once the depreciated value of the car is known, it only takes a little negotiation with your insurance agent to gain big on premiums.

• No claim bonus

No claim bonuses (NCBs) are awarded to policyholders who do not make a claim in the preceding year. Claiming this bonus before renewing your policy can result in lower premiums for the next year. It doesn’t matter whether your insurer is the same or different, as NCBs are transferable from insurer to insurer. Over the years, NCB can lower the premium amount by as much as 50%.

• Understand the features

It is highly recommended to go through the features of the car insurance policy you’re renewing. In doing this, you might come across features that were offered last year but are no longer present this year. You may also see features that you don’t need this year and there might be some you want to add this year. Going through such details helps you get only those benefits you want, at a price that does justice to your wallet too.

• Avoid policy expiration

Renewing your policy beforehand is always beneficial. Experts have recommended renewing the policy at least 45 days before it expires. This ensures that you enjoy the benefits of coverage without a break and also saves you from a hike in prices that may occur later on.

Role of online car insurance renewals in saving money

Renewing your car insurance online is not only convenient but also cost-effective. Here's how it helps:

• Access to discounts: Many insurers offer exclusive discounts for online renewals.
• Transparent comparison: Easily compare multiple policies in one place to find the best deal.
• Lower operational costs: No middlemen or agents means reduced overheads, resulting in cheaper premiums.
• Quick and paperless process: Save time and avoid documentation hassles with seamless digital renewals.

Understanding add-ons: which ones are worth paying for?

Add-ons enhance your coverage, but choosing the right ones is crucial to avoid overspending. Some worthwhile options include:

• Zero depreciation cover: Highly recommended for cars under 5 years old, this ensures full claim without depreciation deduction.
• Engine protection: Beneficial if you live in flood-prone or waterlogged areas.
• Roadside assistance: Useful for frequent highway drivers, offering services like towing and on-site repairs.
• Return to invoice: Covers the full invoice value in case of total loss or theft, ideal for new cars.

Evaluate your car’s age, usage and location before selecting any add-ons with your comprehensive car insurance plan.

Importance of reviewing policy terms before renewal

Many people ignore reviewing the policy and end up with irrelevant coverage or missed savings opportunities. Here’s what to review:

• Coverage scope: Make sure your current plan still aligns with your needs.
• Changes in IDV: Adjust your vehicle’s IDV if needed to reflect accurate market value.
• Add-on suitability: Remove unnecessary riders to cut costs.
• Exclusions and inclusions: Understanding them can prevent surprises during claims.

Conclusion

Renewing your car insurance does not have to be a burdensome or expensive task. With a little research, timely action, and the right tools, you can save a substantial amount on your premium while ensuring robust protection. From leveraging your NCB to opting for only essential add-ons, each choice matters. Embrace the convenience of online renewals, review your policy carefully and drive with confidence, knowing you’ve made a smart and cost-effective decision.

FAQs

1. Can I switch insurers during car insurance renewal?

Yes. You are free to switch insurance providers at renewal time to get better coverage or pricing.

2. Does renewing online offer the same benefits as offline?

Yes, and often more. Online renewals may include discounts, faster processing and easier comparisons.

3. How much NCB can I get at renewal?

Depending on your claim-free history, it is possible to get a 50% discount at the time of renewal.

4. What happens in case I miss the policy renewal date?

You risk a policy lapse, NCB loss and possible legal consequences. Always renew before expiry.

5. Is comprehensive car insurance better than third-party?

Yes, if you want to protect your vehicle from theft, accidents, fire or natural disasters, you must opt for comprehensive insurance.

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