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.

Related Articles:

Pre-Delivery Inspection Checklist For Your Car

What Is a Car Inspection?

New Ride Ready: Your Pre-Delivery Inspection Checklist

Self-Inspection Video For Car Insurance Renewal: Step Guide

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.

Relocating to a new city or state in India involves several responsibilities, and updating your car insurance is one of them. This step is often overlooked, but failing to make the necessary changes can lead to complications, especially when it comes to filing a claim. Here's everything you need to know about handling your car insurance during a move.

Impact of relocation on insurance premiums

Your car insurance premium can change when you move to a new place. This is because premiums are partly based on the area where you live.

The country is divided into two different zones for insurance purposes:

• Zone A: Big metro cities like Mumbai, Delhi, Bengaluru, Chennai, Pune, Kolkata, Hyderabad and Ahmedabad.
• Zones B: All other cities in the country.

If you are moving from a metro city to a smaller town, your premium may go down. On the other hand, if you are moving to a busier or more accident-prone area, your premium may increase.

Should you cancel or continue the existing policy?

If you already have an active car insurance policy, there’s no need to cancel it. Insurance companies allow you to transfer the existing policy to your new address.

To do this, you simply need to inform your insurer about the move, provide proof of your new address and update your vehicle registration. Some insurers may charge a small fee for these changes, and your premium might be revised based on the risk profile of your new location.

Only cancel your existing policy if you are unhappy with the current insurer, you find a better deal with another company or your current insurer does not operate in your new state.

Also, if you have earned a no claim bonus in car insurance, continuing the same policy helps you keep that discount when you renew.

Re-registration of vehicle in a new state: Step-by-step guide

When you move to a new state and plan to live there for more than 12 months, you must re-register your vehicle. Here's how:

• Step 1: Get a No Objection Certificate (NOC) from your current RTO (Regional Transport Office).
• Step 2: Transport your car to the new city. Carry important documents such as the NOC and original RC (Registration Certificate).
• Step 3: Apply for registration under the new state’s laws using Forms 29 and 30, along with documents like the NOC, RC, insurance certificate, PUC (Pollution Under Control) and vehicle chassis imprint.
• Step 4: Pay the road tax in the new state.
• Step 5: Authorities will verify the vehicle and documents to ensure everything is in order.
• Step 6: After approval, you will get a new registration number. Install new number plates and keep your updated RC with you.
• Step 7: Update insurance records with your new registration number.

Online tools for insurance address and policy update

Most insurance providers now offer digital services through their official websites or mobile apps, allowing policyholders to update personal details such as residential address, phone number or email ID without visiting a branch.

To make changes, you typically need to log in using your policy number or registered mobile number, navigate to the profile or service request section and upload valid proof of the new address, such as an Aadhaar card or utility bill. Once submitted, the update is usually processed within a few working days.

How relocation affects the claims process

If you shift to a new city and don’t update your insurance details, it can cause problems when filing a claim.

Possible issues include:

• Claim rejection: Wrong address or registration number may lead to claim denial.
• Delayed processing: Extra verification will be needed if your details are not up to date.
• Local tie-ups: Some insurers have better service networks in certain cities. If your insurer has fewer garages or agents in the new city, your experience might be affected.

Conclusion

When relocating, your car insurance policy should be one of the first things you update. Inform your insurer, update your address, and if needed, re-register your vehicle.

As you focus on settling into your new home, let us help you take care of your car insurance needs. Simply fill out the form on this page to receive personalised guidance and ensure your coverage stays updated.

FAQs

• Can I continue using my current car insurance after moving to another city?

Yes, you can continue using it, but you must update your address and vehicle registration if required.

• Will my premium change after moving?

It might. Your new area may have higher or lower insurance rates depending on the location.

• Is re-registration of the vehicle always needed?

Only if you move to a new state and plan to stay there for more than 12 months.

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.

Reduce the risk of death and injury from an accident with seat belts and air bags

Driving on Indian roads is a skill. You not only have to pay attention to what is in front of you but also to what is on your left, right, and back. This is further compounded by factors such as wrong turns, wrong-way driving, changing lanes without indicators, driving on high beam, over speeding and so on.

The statistics from the Ministry of Road Transport and Highways on road accidents in India are alarming. In 2015 alone, more than 5 lakh accidents occurred, which resulted in 1,46,000 people losing their lives. This means that on a daily basis, a whopping 1,374 accidents take place and 400 people lose their lives.

How Safe are Our Cars?

For a country, which is expected to become the third largest car market in the world by 2020, the safety standards of our cars are beyond dismal. New Car Assessment Program (NCAP), an independent assessment firm considered as the foremost authority worldwide in crash testing and road safety, has tested some of the best-selling cars in the Indian market.

The results from the tests are far from good. Out of a total five star ratings, many of the base models (those not equipped with Anti-lock Braking System (ABS) and airbags) have received zero stars with respect to adult protection. Getting zero stars means that the car is unfit to be on road and is a hazard to its occupants and others on the road.

How Do Airbags and Seatbelts Protect You?

Most car manufacturers in India do not offer basic safety features such as ABS and airbags. Airbags are necessary for car safety as they provide a cushion for the occupants in case of a collision, preventing them from grievous harm. ABS on the other hand, enables steering to function even in the case of emergency braking, by preventing the wheels from locking up.

Seatbelts although are present in all cars, yet more consumer awareness towards safety is required. Occupants need to make use of them to remain safe during an accident. Studies done overseas have shown that airbags coupled with seatbelts reduce the risk of fatality in serious accidents by 13%.

Comprehending how car insurance companies determine premiums may confuse the ordinary man. Auto insurance companies calculate your risk or the likelihood of what you will claim on your policy using various pricing criteria. Your rates for auto insurance will be better if the perceived risk is negligible. The following section aims to give readers an overview of how four-wheeler insurance rates are determined and what affects car insurance costs.

Insights Into Variables that Shape Your Car Insurance Premiums

The following are some critical factors that affect average car insurance costs:

• Vehicle type and model:

The car's date of manufacture and model are significant factors when determining insurance costs. The cost of maintaining luxury and high-end cars is higher, as they require costlier maintenance and new parts. Meanwhile, older and less powerful vehicles typically have lower insurance premiums, providing more affordable options for those seeking coverage. 

• Age and gender of the driver:

Age and gender are essential factors in determining the complex formula for insurance rates. Younger and less experienced drivers have higher rates because they are statistically more likely to be involved in accidents. 

• Location and city-specific rates:

Premium calculations become more complex with geographic location, particularly in busy cities with high accident rates. Prices in cities are highly influenced by regional variables such as theft probability, overall weather conditions, and traffic congestion levels. The geographic factor underscores the importance insurers accord to various risk environments when determining premiums, and policyholders must understand this.

• Claim history and driving record:

Driving history is one of the most important factors when determining the premium. Individuals with a perfect record and who have never been involved in claims or accidents are eligible for lower rates. Contrarily, a history of numerous allegations and accidents results in higher insurance prices. 

• Optional coverage and deductibles:

Selecting the appropriate coverage and deductibles becomes another important consideration when choosing an insurance plan. The price of complete or comprehensive coverage—including personal damage and third-party responsibility—is more than that of only third-party liability. 

• No-Claim Bonus (NCB):

The No-Claim Bonus (NCB) initiative is a preemptive strategy to encourage and compensate careful drivers. Policyholders may enjoy reduced rates if they choose not to file claims, promoting safe driving habits. The yearly percentage increase in the NCB constantly reminds policyholders to keep driving safely and without incidents.

NCB (No Claim Bonus) - Keep a Clean Record

What better incentive can you, as an owner, deserve for driving your car without meeting with an accident? NCB is awarded to the owner of the vehicle for 'No Claims' in the preceding policy years.

The value of the discount depends upon the insurance claims you have made in that particular year.

Avoid Policy Lapses

Renew your policy in a timely manner. Insurance companies usually levy a fine on insurance renewals made after the due date, and it might reflect on your premium amount. In case the delay is beyond the grace period, you may lose out on the NCB as well.

Policy lapse involves the risk of driving your car illegally on the road that can result in hefty fines. In case of an accident, you might have to pay for the damages out of your own pocket. These incidents can also lead to higher policy premiums once you reinstate your car insurance.

Pick Your Riders Diligently

Insurance companies offer a number of add-ons or riders that cover the minutest of the problems that you, as a car owner, could suffer. These range from arranging for duplicate keys, and fuel delivery to spare parts replacement and engine protector cover. Such add-ons, normally are not covered under the policy but can be bought at an additional price. Avoid selecting blindly; choose and pay only the add-ons that you really need.

Best of the Features, Best of the Deals

If your car has the best of security features like anti-theft tools, engine cut-off systems etc., you are in a great position to negotiate a competitive price for the premiums.

Voluntary Deductibles

Avoid claiming for minor damages like scratches, small dents, etc. as availing attractive discounts on the premium is a more prudent choice than opting for small claims.

Finally, your driving history is considered to be one of the top factors that any insurance company looks at; it can have a huge impact on your insurance premiums. Typically, insurance companies look for records of violations during the last five years. Hence, drive smart and pay less!

Drive Safely

Voluntary deductible is an amount that you, as a car owner, can pay in the event of a claim. While compulsory deductible is as per the policy terms, voluntary deductible can be fixed during policy renewals. The higher the deductible amount, the lesser would be the premium and vice versa. You can also take help of various Car Insurance Premium Calculators present online to calculate your premium instantly.

Many may not know this fact, but it has been observed that men pay comparatively higher insurance premiums than most women. This is not an instance of gender inequality but a clear indicator that women drive more responsibly than most men. Men are often found guilty of rash and drunken driving, while we hardly hear about women being involved in such cases.

Women Planning to Buy Car Insurance

This is one reason we often hear of cheap car insurance for women. Subsequent sections discuss the benefits women receive in car insurance and how all that is possible.

For every woman who is willing to buy car insurance and is seriously looking for an insurer, the following points will be helpful to keep in mind:

• Basics:

Knowing the basics is better before settling on a choice. Regarding the protection of your vehicle, you must be clear that third-party insurance is mandated by law for all vehicles. This insurance will cover any harm caused to an outsider/pedestrian because of your faulty driving. Third-party insurance also covers damage caused to their property by your vehicle.

• Understanding your requirements:

The key to getting car insurance for women is understanding your requirements. If you need to drive your vehicle daily and have a new vehicle, then opting for full-fledged vehicle insurance or comprehensive insurance would be better. Third-party insurance would be better if you have an older car and hardly drive around town.

• Research:

You can conduct online research about the car insurance policies various insurance companies offer. Doing so would help you find the correct and suitable policy for your needs.

• Picking up add-ons:

Add-ons have recently become fundamental. They are more minor insurance policies that enhance the effects of your primary insurance policy. It is similar to adding more facilities to your existing policy and developing it further. It is similar to adding more facilities to your existing policy and developing it further. 

• Why car insurance:

Car insurance should never be considered a burden or a liability. It's more of an investment that will come to your aid in times of financial duress. It will cover your losses adequately and ensure you remain stress-free all the time.

• Buying car insurance: Now, you are good to go after all your research and gaining knowledge about the basics of buying car insurance and its importance. You can purchase the car insurance that suits your needs and provides perfect protection.

Fundamental riders for every car owner

You may be the most reliable driver on earth, but that does not mean you don’t require a motor insurance. Various unpredictable factors such as calamities, road quality, behaviour of other drivers, crimes, etc. can affect the safety of your vehicle. In such cases, your car insurance may fall short. Hence, car insurance riders or add-ons are needed to extend coverage and protection for your car.

With so many riders, it is important to understand that not all of them are necessary, especially if it won’t be used. Why pay premium for cover you didn’t need in the first place?

The following types of add-on covers should be ideally bought by responsible car owners. It effectively protects you and your car, and minimizes the risk of liability.

Add-On Covers That Are Important

• Personal accident rider

If a personal accident cover is not already attached to your base plan, it is highly recommended that you purchase this add-on.

According to a World Road Statistics 2015 released by International Road Federation, Geneva, India has the second highest number of road accident fatalities per 1,00,000 population. Another report ‘Roads Accidents in India – 2015’ released in June by the Ministry discloses that, number of accidents recorded by car/taxis/vans/light and medium vehicles is 17.2%, coming in second after two wheelers.

Hence, such a rider is necessary to navigate the complex and unregulated roads of India. It offers coverage for accidental death, temporary partial disability, and permanent partial/total disability.

• Ambulance and medical expenses rider

This add-on covers the cost of medical care and ambulance charges in case you or your passengers or other involved party meet with an accident. It compensates you for these expenses up to a certain limit.

• Engine hydrostatic cover

This add-on is best suited for Indian car owners and is vital part of motor insurance. Indian monsoons can create havoc on car engines. Such hydrostatic cover offers coverage for damages to your engine due to leakage of oil, water stalling, etc. The insurer will pay the engine repair costs under this rider.

• Road assistance and towing rider

RSA rider is saviour in event of an accident or vehicle breakdown in middle of the road. Insurers offer this assistance 24x7 for fuel refuelling, flat tyre change, battery jumpstart, etc. All you need to do is call your insurer for the assistance to be dispatched.

• Zero depreciation cover

When you claim insurance on your car, you will get a depreciated value of the vehicle. Hence, the claim you receive will never be the full amount. With zero depreciation rider, you can claim the full amount excluding the depreciation, thus saving at least 30-40% of losses. However, this cover recommended only for new cars.

• Vehicle Replacement

Vehicle Replacement add-on is crucial if your car is damaged beyond repairs due to an accident or theft. In such cases, usually insurer will declare it as total loss and the claim you receive will be less than market value, which is insufficient. This rider offers coverage for an equivalent car replacement and protects you against such losses.

Rather than cancelling ‘junk portions’ of your insurance or buying fancy riders – that won’t be utilised – these add-ons will give you a healthy coverage that enhances the utility of your car insurance. They are fundamental and offer better coverage. Check your policy wordings before signing, to find the perfect companion for your car insurance.

The modifications made to your car have a direct effect on the insurance premium

You must have thought of equipping your car with those flashy headlights, robust alloy wheels and sporty spoilers. The thought of bigger turbochargers could have tempted you to improve your car’s performance and speed. A modification can be a great way to personalize your car and improve its performance. But, here are some things that need to be taken into account.

Tell Your Insurer About The Modifications

If you are contemplating pushing up your car’s oomph factor, there are few obligations to consider when it comes to your car insurance. From engine upgrades to fresh paint and stickers, always inform your insurer about the modifications made to the car. If you fail to declare any alterations to the car, it could result in rejection of your insurance claim.

How Modifications Affect Insurance Premiums?

Insurance companies provide a cover from risk and damages to your car. When you modify a car, it may result in increased or decreased chances of risk to the car. Hence, the insurance premium on your car may also rise or fall depending upon the modifications.

For example, if you install a turbocharger to your naturally aspirated engine, it may increase the speed. Which means higher chances of risk or accident and hence an increase in the insurance premium. Whereas, installing safety devices like parking sensors may decrease the cost of premium as it reduces the risk of collision while reversing the car.

What Are The Possible Modifications That Car Insurers Must Know?

• Engine modification: These modifications enhance power and speed, and hence increase the risk. Therefore, they can hike your car insurance premium.
• Wheel modification: Replacement of your car wheels may enhance the look and wheel upgrade may upturn the car’s value.
• Bodywork: Any modifications like bonnet bulges, bigger wings, extended spoilers, tinted windows or additional lights may increase the premium cost.
• Brakes and suspension: It is a critical safety component of the car, and are assessed by the insurance company before calculating premium.
• Car interior: Any changes to seat upholstery, steering wheels, pedals or sound systems may alter the premium depending on the quality.
• Paintwork: Specialized body paint or any stripes or designs on the car may change its appearance and hence may increase its value.

Before getting any modification done to your vehicle, make sure to inform your insurer as it will enable them to evaluate the premium cost and ensure your claim is not rejected in the event of an accident.

Updated on - 09 Feb 2026

Owning a car is a long-term commitment that requires both care and protection. While regular maintenance keeps your car running smoothly, the right car insurance policy ensures financial protection against unexpected events. Within this policy, a comprehensive car insurance plan offers all-around protection, giving you financial security and peace of mind whenever you are on the road.

Let’s take a closer look at why a comprehensive cover is important for your car.

What is comprehensive car insurance?

Comprehensive car insurance is a type of policy that offers complete protection for your vehicle against various risks such as accidents, theft, natural calamities and fire. Unlike third party insurance, which only compensates for damages caused to others, it also covers damages to your own car. It ensures financial support for repairs or replacement of your vehicle, helping you avoid out-of-pocket expenses after unexpected incidents. This is what makes it a reliable choice for overall car protection.

Why should you avail comprehensive car insurance cover?

Opting for comprehensive car insurance can provide several great benefits. Key benefits include:

1. It offers the highest level of security for your car

A comprehensive four wheeler insurance cover offers superior coverage by compensating you in case your vehicle suffers any damage during an accident. You can either claim a reimbursement from the insurance company later or take your car to a network garage for cashless repair of the vehicle.

2. Compensation in case of death or disability

A comprehensive car insurance plan also covers death and bodily injuries to the owner-driver of the insured vehicle. In case you suffer from death or any partial or permanent disability post the accident of your car, the insurance company will pay the full compensation amount to the nominee as mentioned in the policy.

3. Covers legal and financial hurdles

Apart from covering the damages to your own vehicle, a comprehensive car insurance plan also covers the legal liabilities that may arise in case of an accident. It provides the mandatory third-party insurance cover required to drive a vehicle in India and also covers the legal and financial obligations for the tribunal hearings of accident-related cases.

4. Protects your car against fire accidents

A comprehensive car insurance plan also covers your vehicle against damage caused by all types of fire-related accidents. Although it does not include mechanical defects, it does cover the fire caused by engine overheating. You’re provided full compensation for your car up to the Insured Declared Value (IDV) of your vehicle in case of such an unfortunate incident.

5. Secures your car against theft

If your car or any of its components gets stolen, then a comprehensive insurance plan will cover the entire losses incurred due to the theft. The car insurance company will provide you with full compensation for your loss during such a scenario, and in case your entire car gets stolen, you will be compensated with the entire IDV of your car.

6. Protection against vandalism

In case your vehicle is vandalised in an unfortunate event of civil disturbances or riots, then the comprehensive car insurance plan shall provide full reimbursement for the repair of your vandalised car. In case your car is damaged beyond repair, the insurer will provide you with the full market value of the car.

7. Full protection from flying objects

Imagine a situation where a projectile like a ball, tree, brick or stone falls on your car and shatters the windscreen. Even in such an unpredictable situation, a comprehensive cover for your vehicle would offer full coverage for your losses. It will include compensating for the entire damage to your vehicle, including the window panes and windscreens.

8. Full protection against natural calamities

The comprehensive cover also acts as a cushion against the natural calamities that can render your precious car irreparable. For example, marvels like earthquakes, cyclones, floods and hailstorms etc. can destroy your car beyond repair. In such a scenario, you will be provided a big relief by your car insurer in the form of compensation against the damages inflicted on your car by the natural calamity.

Note: This is an indicative list. Please read the policy wording for the complete list of inclusions/exclusions.

Difference between third-party & comprehensive car insurance

While both third-party and comprehensive car insurance serve different purposes, understanding their key differences can help you choose the right plan for your vehicles. Here is how they differ:

Choosing add-ons to enhance comprehensive insurance cover

Choosing the right add-ons can make your comprehensive car insurance plan more effective and customised to your needs. Here are some popular options to consider:

• Zero depreciation cover: This ensures you receive the full claim amount without factoring in depreciation on car parts.
• Engine protection cover: This provides protection against engine damage caused by oil leaks, water ingress or mechanical failure.
• Roadside assistance cover: It offers on-the-spot help during breakdowns, flat tyres or towing needs.
• Consumables cover: This covers the small yet essential items like nuts, bolts and engine oil that are usually excluded from standard policies.

Conclusion

Comprehensive car insurance plays a crucial role in safeguarding your vehicle throughout its lifespan. It not only covers damages from accidents or natural events but also protects your finances from unexpected repair costs. With suitable add-ons, your four-wheeler insurance becomes a complete protection plan, ensuring your car remains secure, reliable and ready for every journey.

While you focus on maintaining your vehicle, let us help you protect it better. Get personalised car insurance guidance and solutions by filling out the form provided on this page.

FAQs

1. What is the main benefit of comprehensive car insurance?

It provides complete coverage for both third-party liabilities and own vehicle damages, ensuring financial protection against accidents, theft or natural calamities.

2. Is comprehensive car insurance mandatory in India?

While only third-party car insurance is mandatory by law, opting for a comprehensive plan offers broader protection and peace of mind.

3. Can I add or remove add-ons during my policy term?

Add-ons can usually be modified at the time of plan renewal. This allows you to adjust your four-wheeler insurance coverage based on current needs.

4. Does comprehensive insurance cover engine damage?

Engine damage is covered if you have an engine protection add-on included in your policy. You must check your policy document for more details.

5. Can I switch from third-party to comprehensive car insurance mid-policy?

Yes, you can switch to a comprehensive car insurance plan at renewal or even mid-term by contacting your insurer. It might be required to undergo a vehicle inspection and pay the difference in premium.

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.

Travelling with infants on board can be a tiring experience if you are not adequately prepared to deal with it. Whether you will be on the road for five hours or for five days, you need to be extra cautious and careful towards the baby, ensuring your trip is enjoyable and not stressful. With careful planning and awareness, you can avoid some common pitfalls and make the journey as smooth as possible.

Here are some important tips to follow if you are planning to travel with an infant onboard.

Check the car condition and its mechanisms

The last thing you would want is a break-down and having to wait by the road-side with an infant. To avoid such a situation, always make sure that your vehicle is safe and ready for the long ride. Check the fuel tank and brim it up if required. Also check the tire pressure and the engine oil. Ensure that all the lights and the air-conditioner of the car are working properly so that your baby feels comfortable inside the vehicle even in extreme weather conditions.

Pack the car with all the right things

Travelling in a car can be stressful for the new-born. So, don’t forget to pack all the basic baby care items like food, diapers, wipes, etc. Also carry baby clothes with you, apart from a blanket, mattress set and other things that will help the baby sleep well and feel comfortable during the journey. You can pack the bulky items like a stroller in the trunk and keep some of the essential things handy, like toys, bottles, pacifiers, food items, etc., to keep the toddler engaged.

Install an infant car seat in your vehicle

You can consider opting for an infant car seat which is designed perfectly according to the child’s age and size. If possible, buy a car seat even before your baby is born to ensure adequate security for the new-born from day one. Read the instruction manual carefully to familiarize yourself with the seat and install it properly in your car to ensure that your baby always has the best experience while travelling in the vehicle.

Never leave the baby alone in the back-seat

This is one of the most important cautionary measures to keep in mind. Never leave the baby alone in the back-seat of your car, under any circumstances. While one person is driving, another can sit in the back with the infant and take care of feeding it regularly, and keeping him entertained. This will help minimize stops and avoid total meltdowns during the journey.

Consider driving at night

It could be very convenient to drive at night if your trip involves an infant. Simply because the baby would sleep during the night and your journey will be easier and faster. Of course, you need to stay awake to take care of the new-born, but the ride can be worry-free and peaceful. But do remember to carry a flashlight and other necessary items along with you in case you plan to start your journey when it’s dark outside.

Plan frequent breaks during the journey

You might be able to go six hours without the need to use a washroom or eating anything, but your baby probably cannot. Hence, plan to stop and take breaks at least once every hour if you’re on for a long journey. Keep supplying refreshments to the baby during the breaks and change the diapers or clothes. It will also provide a good opportunity to refresh yourself and recharge before heading on towards another long stay at the driver’s seat.

Take the route with proper access to amenities

While scenic overlooks and long stretches of open road among the forests may make your road trip worthwhile, they can also make it difficult for you to find help or reprieve in times of distress. Plan to take the route which has abundant access to food stalls, fuel stations, restrooms, and service areas. It will be even better to plot out some pit-stops in advance at some potential hotels in your route, so that you can pull over if required.

Travelling with infants can be quite exhausting, but these simple tips can ensure a convenient and hassle-free journey. Also, be prepared to tackle any unforeseen situation that may arise anytime during the trip. Always carry a first aid box along with you on-board and keep the emergency numbers handy so that you can call if required. Don’t forget to check your car insurance policy  before taking your vehicle out, to keep you and your car secured against any unexpected incident during the journey.

Updated on 31 Dec 2025

If your car gets stolen or damaged in an accident, the repair or replacement costs, medical bills and legal issues can be heavy on your pocket. That is why having the right car insurance is important to protect your finances. A comprehensive car insurance plan gives wider protection than a basic policy. It helps you manage unexpected costs and gives peace of mind while driving on Indian roads.

This blog explains what a comprehensive car insurance plan is, what it covers, useful add-ons you can buy and the benefits of choosing such a plan.

What is a comprehensive car insurance plan?

A comprehensive car insurance plan is an all-in-one motor insurance policy. It covers third-party liability (which is compulsory by law) and damage to your own vehicle. In short, it combines protection for other road users and for your car.

Comprehensive cover is useful for most car owners because it reduces out-of-pocket spending after accidents, theft or natural disasters. Many policies typically include a basic personal accident cover for the owner-driver as well.

Coverage offered under a comprehensive car insurance plan

The coverage of comprehensive car insurance includes the following:

o   Protection against collision

A comprehensive plan offers superior coverage by compensating you in case your vehicle suffers any damage during an accident. You can either claim a reimbursement from the insurance company or take your car to a network garage for cashless repair of the vehicle.

o   Compensation in case of death or disability

It covers the death and bodily injuries to the owner-cum-driver of the insured vehicle due to an accident. In case the driver dies or suffers any partial or permanent disability in an accident, the insurance company will pay the full compensation amount to the nominee as mentioned in the policy. You can also get the co-passengers covered under this policy by opting for an add-on along with personal accident cover.

o   Assistance in case of legal and financial hurdles

Apart from covering the damages to your own vehicle, a comprehensive vehicle insurance policy covers the legal liabilities towards third parties that may arise in case of an accident. It also compensates for the expenses incurred for the tribunal hearings of accident-related cases.

o   Protection against fire accidents

A comprehensive insurance policy covers your vehicle against damage caused by all types of fire-related accidents. Although it does not include mechanical defects, it does cover the fire caused by engine overheating. You’re provided full compensation for your car up to the Insured Declared Value (IDV) in case of such an unfortunate incident

o   Security from theft

If your car or any of its components gets stolen, then a comprehensive motor insurance plan will cover the entire losses incurred due to the theft. The car insurance company will provide you with full compensation for your loss during such a scenario and in case your car gets stolen, you will be compensated with the entire IDV of your car.

o   Protection against vandalism

In case your vehicle is vandalised in an unfortunate event of civil disturbances or riots, then the comprehensive vehicle insurance policy will compensate for the repair of your damaged car. In case your car is damaged beyond repair, the insurer will provide you with the full market value of the car.

o   Full protection from flying objects

Imagine a situation where a projectile like a ball, tree, brick or a stone falls on your car and shatters the windscreen. Even in such an unpredictable situation, comprehensive vehicle insurance will offer full coverage for your losses.

o   Complete protection against the natural calamities

A comprehensive insurance cover also acts as a cushion against natural calamities that can render your precious car irreparable. For example, acts of nature like earthquakes, cyclones, floods, hailstorms, etc., can destroy your car. In such a scenario, your car insurer will provide compensation for the damages.

o Third-party liability coverage

A comprehensive car insurance policy covers the injuries caused to other road users and damage to their property due to an accident caused by your insured vehicle.

Add-on covers to enhance comprehensive car insurance

You can buy optional add-ons to strengthen your cover. Riders cost an extra premium but can be very useful:

• Zero depreciation / bumper-to-bumper: Pays full cost for replaced parts without deducting depreciation. Best for new cars or expensive parts.
• Roadside assistance: Offers towing, battery jump-start, fuel delivery and minor repairs when your car breaks down.
• Engine protection: Covers engine damage due to water ingress or other specific causes that standard policies may exclude.
• NCB (No Claim Bonus) protection: Protects your earned discount even if you make one or more claims in a year (subject to limits).
• Return to invoice: If your car is stolen or written off, you get invoice value (purchase price) instead of only the IDV.
• Consumables cover: Pays for items like nuts, bolts, lubricants and oil used during repair.
• Key replacement cover: Pays to replace lost or stolen keys and reprogramming costs for modern cars.

Benefits of opting for comprehensive car insurance

Here are the key advantages of choosing comprehensive cover:

• All-round protection: It protects both you and others. You get the legal cover plus protection for your own vehicle as a complete package.
• Financial safety: Repair and medical bills can be expensive. Comprehensive insurance reduces the need to pay large sums suddenly.
• Covers unpredictable events: Natural disasters, thefts or riots are unpredictable. This cover helps you recover without heavy financial loss.
• Peace of mind: Driving with a comprehensive policy reduces stress. You can focus on the road, not on what might happen if something goes wrong.
• Better resale confidence: A vehicle with a well-maintained insurance history and useful add-ons is often more trusted by buyers.
• Flexible options: You can customise the policy with add-ons that fit your needs, for example, zero depreciation for a new car or engine protection if you often drive in water-logged areas.

Conclusion

A comprehensive car insurance plan is more than a legal formality. It is a practical tool to protect your car, finances and family from many kinds of risk. While third-party insurance meets legal requirements, it leaves you exposed to repair costs and theft of your vehicle. A comprehensive plan fills that gap.

Looking for the best comprehensive car insurance? Fill out the form on this page and get expert insurance advice on finding the right cover for your vehicle.

FAQs

• What happens if my car is completely damaged (total loss)?

If the car is declared a total loss, the insurer pays as per the policy. It is usually the IDV or invoice value if you have a return to invoice add-on.

• Will the insurer pay the full repair cost after an accident?

The insurer pays as per policy terms. Depreciation on parts is usually deducted unless you have a zero depreciation add-on.

• What is Insured Declared Value (IDV)?

IDV is the maximum sum insured for your car. It is the vehicle’s market value after accounting for depreciation.

• Can I add or remove add-ons during the policy year?

Typically, add-ons are chosen when you buy or renew a policy. Mid-term additions may be allowed by some insurers; check the specific policy terms.

• Does comprehensive insurance cover regular wear and tear?

No. Normal wear and tear, mechanical failures due to ageing and routine maintenance are not covered.

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.

As per the existing Motor Vehicle laws, a valid third-party motor insurance policy is mandatory to drive a vehicle in India. Hence, every car owner needs to renew his/her car insurance policy before its expiry date. At the time of policy renewal, the policyholder can either continue with the same insurance provider or switch if he/she is not satisfied with the existing policy.

However, most vehicle owners prefer to continue with their existing insurance providers as it's convenient. Though staying with the same insurance company for many years provides multiple benefits such as hassle-free renewal, loyalty bonuses, and reward points, it also entails a fair share of disadvantages.

In this article, you will get to know the merits and demerits of staying with the same motor insurance company for multiple years. After that, you will be able to make a better decision about whether you should switch your car insurance provider at the time of policy renewal or not. Continue reading.

WHAT ARE THE PROS OF STAYING WITH THE SAME INSURER?

There are several rewards your car insurance company can offer to you if you choose to stay with it for several years. Usually, these rewards are offered in the form of loyalty bonuses and perks to the policyholders.

Below are the benefits you can avail of by staying with the same insurance provider for an extended period:

Build a trusted relationship with the insurer

Staying with one insurance company for many years can help you build a trusted relationship with your insurer. With a strong relationship, you can trust your insurer to have your back during difficult situations. Moreover, you'll be familiar with how to reach the insurer for claims, what are the turnaround times for different requests, etc.

Also, when you stay with an insurer for a longer period, it becomes familiar with your driving behaviour and claim history. Hence, it understands your insurance requirements better.

Get a decrease in deductibles

Some insurance companies offer a reduction in compulsory deductibles for customers who are loyal to them. Usually, insurers may give these benefits to policyholders who stay with the same insurer for several years and do not raise any claims.

Insurance companies also give an option to increase/decrease the voluntary deductible at renewal. Based on how much you can afford to pay out of pocket for a claim, you can decide whether the deductible amount (and resultant reduced premium) is worth going for.

Get accident forgiveness option

Some car insurance companies offer "Accident Forgiveness Option" to their loyal customers having a good driving record. Under this benefit, your insurance company may forgive or not consider your first "at-fault" accident. And since your accident won't get listed in the insurer's records, it will prevent your car insurance premium from going up.

Remember that you can't transfer your accident forgiveness to a new insurer, and hence, it gets nullified when you switch your insurer.

No hidden costs or charges

When you stay with an insurance company for the long term, you understand the terms and conditions of your policy altogether. This prevents you from incurring any hidden costs or charges when you file a claim on your policy.

Also, when you switch to a new insurer, you may incur some extra charges, which may make your premium expensive.

Ease of renewal

When you renew a car insurance policy with your existing insurer, all you need to do is visit the insurer's website or office, provide the policy number, and pay the renewal premium. However, when you choose to switch your insurer, you may have to provide all your vehicle details to renew your policy.

Some insurers may even want to inspect your car for renewing your existing car insurance policy from a different insurer.

WHAT ARE THE CONS OF STAYING WITH THE SAME INSURER?

Now, you know the benefits of staying with an insurer for a long period. But remember that every coin has two sides. So let's explore the downsides of not changing your car insurance company every year:

You might end up paying more

Your current insurer might be offering you the best in terms of coverage, but it doesn't mean it's providing you with the best-priced policy. For example, you may be able to get a car insurance policy from another insurer, offering the same coverage but at a lower price. Also, due to the cut-throat competition in the industry, you may be able to fetch a better deal when you switch your insurance company.

The cover might not suffice

The opposite of the above point can also be true. Your current policy might be the most affordable, but it may not be able to cover you against all types of risks. Therefore, at the time of policy renewal, you should thoroughly read the inclusions and exclusions of your existing policy. If you're not satisfied with it, you should switch your insurance provider.

You can get a broader range of service benefits

In some instances, you may find out that a different insurer is offering a more comprehensive range of service benefits than your current insurer. For example, you can get more add-on covers to choose from, the option to buy car insurance online, a wider network of cashless garages, and a faster claim settlement process. Under such scenarios, it makes sense to switch your car insurance company.

SO, WHAT SHOULD YOU DO?

Whether you should stay with your existing insurer or change your car insurance company should be your personal decision at the time of policy renewal. However, you must consider your coverage requirements and financial situation before taking a call. What you can do is compare different policy offerings from various insurers and determine if your current policy is offering the coverage you need, and that too, at the most affordable price.

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.