If you wish to operate a vehicle in Chandigarh that is not registered within the state, it is important to understand certain key considerations. Failure to do so may result in penalties for violating state-specific car registration requirements.

What are Chandigarh road taxes for other state vehicles?

There are different charges for Chandigarh road tax for other state vehicles. The tax is calculated based on the type of vehicle and its price:

• Cars valued up to ₹20 lakh: 6% of the amount they cost before taxes imposed.
• Those that cost more than ₹20 lakh: 8% of the amount they cost before taxes were imposed.
• Motorcycles below ₹1 lakh: 3% of the amount they cost before taxes are imposed.

This tax must be paid promptly to avoid penalties. Ensure your car insurance is updated regularly to cover unexpected situations on the road.

Conclusion

It is essential to know the price of Chandigarh road tax for other state vehicles if you wish to enjoy driving in the state without any hassle. Understanding the right car insurance option for your vehicle can help prevent unexpected problems.

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 It may contain outdated data and information regarding the Insurance industry and products.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 ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Updated on - 14 May 2026

When you buy a new car, it is legally required to get vehicle insurance. This is necessary to safeguard you against any financial liabilities arising from damage to or loss of the vehicle. When buying car insurance, it is necessary to understand certain terms to choose the right coverage for your vehicle.

It is noted that most people have no clear idea of the difference between comprehensive and bumper-to-bumper insurance. This blog will compare these 2 types of coverage.

What Is The Difference Between Bumper To Bumper & Comprehensive Insurance?

Comprehensive car insurance covers a variety of risks like financial liabilities arising from accidents caused by the insured vehicle to third parties, and financial losses due to damage to the car from natural or man-made calamities, and theft of the vehicle. However, it only provides partial coverage because depreciation is considered when resolving vehicle damage claims. This means the compensation you receive will be lower, taking into account the depreciation of motor parts. This is where the bumper-to-bumper add-on helps.

Bumper to bumper car insurance, sometimes called zero depreciation or nil depreciation insurance, provides complete coverage for your car by paying out the claim value without considering the vehicle's depreciation. Here is a bumper-to-bumper insurance vs comprehensive car insurance table for your easy understanding.

How To Choose Between Comprehensive Vs Bumper To Bumper Insurance?

Those looking for comprehensive coverage for their car and peace of mind in the event of damage or loss may consider comprehensive car insurance. This covers financial liabilities arising from third-party damages and damages to one's own car. However, when making a claim, the insurer will reduce the compensation amount to account for the depreciation of vehicle parts.

If you want a full claim amount without any deduction of the depreciation value from the coverage amount, consider a bumper-to-bumper add-on with your basic car insurance. Owners of luxury or premium cars would benefit significantly from this choice, as insurance provides comprehensive protection against minor dents and costly repairs.

Both types have advantages. Knowing the difference between bumper-to-bumper and comprehensive insurance is necessary to choose the best one for our car.

How Are Premiums Different for Comprehensive vs Bumper‑to‑Bumper?

The amount of protection provided is the primary reason why comprehensive auto insurance and bumper-to-bumper (zero depreciation) coverage have different premiums. In addition to covering own damage and third-party responsibility, a comprehensive policy depreciates the value of parts during claims, which reduces the insurer's payout and maintains reasonably priced premiums. Bumper-to-bumper coverage, on the other hand, is an add-on to comprehensive insurance that does away with depreciation deductions, so the insurer bears a significantly larger share of the cost of repairs or replacements. The premium is usually higher, generally 15% to 30% more than for a regular comprehensive policy because this increases the insurer's obligation.

Conclusion

So, how do you choose between bumper-to-bumper insurance vs comprehensive insurance? Which one you should choose of these two options depends on your vehicle’s age, usage, and expected repair costs. Evaluating your needs carefully will help you select the most suitable four-wheeler insurance plan for long-term financial protection.

FAQs

1. Is bumper-to-bumper insurance worth the higher cost?

Yes, because it reduces repair costs by covering parts depreciation, especially for minor damages.

2. Can I add zero depreciation cover to an existing policy?

Yes. You can add it at the time of policy renewal if your car meets the eligibility criteria.

3. Is engine damage covered by comprehensive car insurance?

It may not cover engine damage caused by issues like water ingression or oil leakage unless you opt for an engine protection add-on.

4. Is bumper-to-bumper coverage necessary for older cars?

Bumper-to-bumper cover is usually not essential for older cars. As a vehicle ages, insurers limit or stop offering this add-on (often beyond 5 to 7 years), and the higher premium amount may not be cost-effective compared to the car’s reduced value. It may be more practical to get a standard comprehensive plan or even a basic third party car insurance policy if the vehicle is rarely used.

5. Can I add bumper-to-bumper coverage to any comprehensive policy?

Bumper-to-bumper cover can typically be added as an add-on to a comprehensive policy, but it depends on the insurer’s terms, especially the vehicle’s age and condition. It is usually available for newer cars and may come with limits on the number of claims. When buying or renewing car insurance online, you can select this add-on if your vehicle meets the eligibility criteria.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Is a road trip across Rajasthan's stunning landscapes something you have been considering? Then, you should know the highways running through the areas you are planning to visit. Rajasthan state highways connect lively towns and peaceful villages. Let us understand them better, as it can make your trip even better.

List of top 30 state highways in Rajasthan

State highways in Rajasthan serve as the lifelines of the region. Here is an extended look at a few of them —

• SH1: This 441.4 km long route connects Jhalawar and Bharatpur and passes through numerous historic towns. It is an important commercial and tourist route in the area as it provides access to a plethora of cultural festivals and historical sites.
• SH7: This road covers 409.05 km from Kishangarh to Hanumangarh. It passes through diverse landscapes and bustling towns and enhances regional connectivity and cultural exchanges.  It also plays an important role in agricultural transport and local trade.
• SH19: This route links Phalodi to Kaladera over 368 km. It connects small towns, each infused with unique cultural and historical significance.
• SH61: SH61 improves accessibility to some cultural heritage sites and enhances tourism. It bypasses important cultural centres throughout its 349-kilometer journey from Phalodi to Rajaji ka Kareda.
• SH40: You can witness the raw beauty of Rajasthan's deserts along this 342 km stretch of road. It has strategic importance to cities like Barmer.
• SH13: From Alwar to Pilani, the 329.6 km road travels through areas that are a treasure trove of royal heritage in Rajasthan. It supports educational and heritage tourism by opening the way to the state's architectural and historical marvels.
• SH12: It runs 324.2 km from Sanganer to Bhilwara connecting busy marketplaces and artisan communities. They are vital to the preservation and development of traditional Rajasthani handicrafts and provide local artisans with economic prospects.
• SH39: The 318-kilometre road connects Satur and Khajwana, two important towns that are critical to the region's growth. It improves trade routes and agricultural product movement to markets. It thus encourages strong economic and cultural contacts.
• SH10: This 315-kilometre route begins in Swaroopganj and ends in Danpur. It winds its way through tribal areas and the picturesque Aravalli range.
• SH16: This road covers 276 km from Chawa to Desuri. It serves as a vital conduit for communities in rugged terrains, enhances access to larger markets and economic opportunities, and supports the transport of minerals and local crafts.
• SH3: The social and economic prosperity of northern Rajasthan is dependent on this 267.2 km section that runs from Ganganagar to Chattargarh. It helps in the transportation of food products and also supports important commercial and agricultural operations.
• SH28: This highway passes through pivotal industrial and artisan hubs that promote local crafts and generate employment in traditional industries. It connects Phalodi and Guda Malani over 259 km.
• SH36: This route that stretches 242.1 km from Churu to Lalgarh strengthens the agrarian economy of Rajasthan. It acts as a lifeline for rural residents because it connects agricultural towns and facilitates the distribution of goods and agricultural produce.
• SH37A: This 229.9-kilometer route connects Dudu and Baran in Rajasthan. This makes it simpler to reach some of the state's more rural districts, which in turn boosts rural connections and the local economy.
• SH25: Connecting Daruhera and Nadoti across 225 km, this roadway exemplifies how connectivity can assist local economies. It attracts tourists and strengthens local companies by increasing access to regional attractions and markets.
• SH32: This 219-kilometer route begins in Sadri and ends in Ganoda. It links many historic sites in the Udaipur area and contributes to the region's booming tourism industry.
• SH2: This roadway stretches 210 kilometres from Dausa to Kuchaman City. It promotes cultural tourism in the region. It takes visitors to appreciate the area's rich history and architecture.
• SH22: The highway spans over 194.7 km between Mandrayal and Nagar. It facilitates local commerce and cultural exchanges and also strengthens community interactions in the eastern parts of Rajasthan. It also aids in the preservation of traditional arts and crafts as the accessibility encourages many to visit this area.
• SH62: This route stretches for 187 kilometres from Bilara to Sewari and is vital for connectivity in the western regions of Rajasthan. It links crafts villages and encourages regional handicraft sales.
• SH58: A 181 km journey through this road from Jodhpur to Bheem offers visitors a glimpse into the rural beauty of Rajasthan.
• SH60: The 181-kilometre stretch between Thanwala and Didwana is important because it links rural communities to big markets, which boosts economic growth and accessibility.
• SH20: This 172.1-kilometer route connects Sikar and Talchhapar and it is an important link between rural areas and cities. Farm produce is transported to the urban areas through this road.
• SH14: This 165.1-kilometer-long road begins in Bharatpur and ends in Narnaul. It links various cultural zones and habitats, promotes conservation efforts, and serves as a pathway for ecotourism.
• SH24: The 122-kilometre route from Bhadoti Mod to Tunga emphasises the strategic value of connecting important highways. This allows for more efficient regional transportation and connectivity.
• SH38: This highway is an important route for interstate commerce that sustains sectors like textiles and jewellery. It stretches 111.5 km from Sirohi to Siwana and improves travel and trade between Rajasthan and Gujarat.
• SH11: It stretches for 108 kilometres from Sanchore to Mandar. It connects several markets and important services on the way.
• SH31: The 107-kilometer route begins in Jalore and ends in Ramseen Bhinmal. It is vital to the growth of the SW Rajasthani economy. It links smaller towns to bigger economic centres and facilitates the movement of goods.
• SH21: This 96.4 km route connects important towns and supports regional market building. This helps stabilise local economies.
• SH67: This 87-kilometer-long road begins in Sardar Samand and ends at Somesar. Pali and the neighbouring communities rely on it as a vital transit route.
• SH64: This highway spans 82 km from Rohat to Bhadrajun and improves regional accessibility in southwestern Rajasthan. It connects important sites for economic and cultural exchanges.

Conclusion

Rajasthan’s state highways can be used to reach various amazing places comfortably during your trip. Make sure your ride is secured with a solid car insurance policy while you are at it. This way, you can soak in the majestic beauty of Rajasthan without worry.

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.

India, known for its diverse landscapes, is home to a massive network of roads and highways that crisscross the nation. These transportation routes connect bustling cities, remote villages, and scenic countryside. The government's dedication to enhancing and extending this infrastructure guarantees that the country’s road network will remain a vital factor in the nation’s progress and advancement.

This article explores the types of roads and highways that form the backbone of India's transportation infrastructure. From navigating streets to cruising along well-maintained expressways, we will delve into how Indians travel from one point to another.

Types of roads in India

India's road network comprises various categories of roads that cater to diverse needs and accommodate different traffic volumes. Let's take a look at these categories:

1. National highways: These major roads serve as the lifeline of India's road network, connecting cities and regions nationwide. Maintained by the national highways authority of India (NHAI), they are easily identifiable with their white signboards. National highways play an essential role in facilitating the movement of goods and passengers between states. National highways are generally well-maintained and remain in good condition.

2. State highways: These roads come under the jurisdiction of state governments that manage and maintain them. State highways link cities, districts, and industrial areas within each state. They serve as connections for state transportation activities while also promoting economic development.

3. District roads: Typically found within a district, district roads are maintained by the district administration. These roads connect towns and villages within a district, facilitating the transportation of agricultural produce, goods, and people. They play an essential role in enhancing connectivity at the district level.

4. Rural roads: These roads represent the most localised road category in India. The purpose of rural roads is to link villages and hamlets to the broader road network. These roads are important for development and provide accessibility to remote areas. Often unpaved, village roads can pose challenges during the monsoon season.

5. Border roads: These roads are constructed in demanding terrains and border regions for defence purposes. Border roads are critical in maintaining border security while ensuring connectivity to vantage areas, including mountainous regions.

Types of highways in India

Highways are highly significant in India's transportation system as they enable the movement of goods and people. Let's delve into the types of highways that cater to diverse transportation needs:

1. Expressways: These are high-speed highways with controlled access points and grade-separated interchanges. These highways are designed for transit and usually have tolls associated with them. Examples of expressways in India include the Mumbai-Pune expressway and Yamuna expressway.
2. National expressways: The Delhi-Mumbai expressway and the Delhi-Amritsar-Katra expressway are examples of national expressways that aim to enhance connectivity between cities by providing quicker transportation options. These expressways are managed by the NHAI and play a critical role in reducing travel time and congestion on traditional highways.
3. Ring roads: These roads encircle cities in a semi-circular manner, serving the purpose of diverting traffic away from heavily congested city centres. Examples of ring roads include Hyderabad's outer ring road and Delhi’s ring road, which effectively alleviate traffic congestion within busy areas.
4. Bypass roads: Specifically built to redirect traffic away from city centres, bypass roads significantly reduce traffic congestion in busy areas while facilitating transportation. Noteworthy examples of bypass roads in India include the Chennai bypass and the Pune bypass.

Conclusion

India’s road network is an intricate system comprising many types of highways and roads, each fulfilling a distinct purpose. These roadways serve as arteries for the nation, fostering development and ensuring connectivity and accessibility. Maintaining a connected road network is imperative to support the growth of a diverse country such as India. Expanding and enhancing its road infrastructure will remain a priority as the country continues its development journey. Being well-informed about the kinds of roads and highways is crucial for travellers and policymakers. Equally important is having a reliable car insurance policy, which not only protects drivers against unforeseen incidents on these roads but also ensures compliance with legal requirements, contributing to safer travel experiences.

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.  

Karnataka, a thriving state in India, boasts a diverse landscape and a bustling commercial hub. Karnataka imposes road taxes on commercial vehicle owners to ensure the continuous flow of goods and services and maintain the state's extensive road network. This blog delves into the specifics of road tax for commercial vehicles in Karnataka. Here, you can also closely examine the valuable insights into tax rates, calculation methods, and their significance.

What is the road tax in Karnataka for cars?

Road tax for commercial vehicles in Karnataka is a crucial financial obligation for those in the logistics and transport industry. The tax amount is determined based on several critical factors, ensuring a fair contribution to road infrastructure development. Below is a table outlining the road tax rates for commercial vehicles in Karnataka:

Remarkably, Karnataka maintains a uniform tax slab for commercial and private vehicles, setting it apart from most other states. This equitable approach ensures that commercial vehicle owners contribute their share to the state's road infrastructure.

Conclusion

Comprehending and complying with the commercial vehicle road tax in Karnataka is essential for all operators in the transport and logistics sector. By paying your road tax promptly and correctly, you play a vital role in ensuring the state's roads remain efficient and accessible for moving goods and services. Karnataka's commitment to equitable taxation across private and commercial vehicles not only upholds fairness but also contributes to developing and maintaining a robust road network. In addition, having a valid car insurance policy is equally important, as it provides financial protection against potential damages, accidents, or liabilities, ensuring uninterrupted operations and peace of mind for vehicle owners and operators.

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.         

Gujarat is a beautiful state with a diverse economy. One of its striking features is smooth and even highways. The infrastructure growth has seen a giant leap in the last few years. This blog discusses the state highways in Gujarat.

List of 20 State Highways in Gujarat

There is a beautiful network of roads in Gujarat. While travelling through these roads, you can witness the splendour of Gujarat manifested in its vibrant, rich culture and economic boom.

Here is a list of the state highways in Gujarat:

• Gujarat State Highway 6 (GJ SH 6) covers a distance of 1214.32 km from Lakhpat to Tithal.
• Umargam to Shamlaji falls under State Highway 6 (GJ SH 6). It covers a distance of  332.20km.
• The state highways in Gujarat are all well-connected by Gujarat State Highway Chorvad to Talaja, which has a distance of 298.35 km. 
• Gujarat State Highway 42 (GJ SH 42) connects Bhachau to NH754, covering a distance of 194.13 km.
• Bagodara to Gondal is covered by Gujarat State Highway 1 (GJ SH 1). The distance is 185.67 km.
• State Highway 21 (GJ SH 21), one of the great state highways in Gujarat, covers a distance of 160.70 km from Halvad to Port Chanch.
• From Himatnagar to Idar, there is a distance of 152.77 km. It is covered by State Highway 145 (GJ SH 145).
• Borsad to Alirajpur covers a distance of 148.20 km, covered by State Highway 11 (GJ SH 11).
• Ahmedabad to Palanpur has a distance of 131.33 km and is covered by State Highway 41 (GJ SH 41)
• Nadiad to Raigad is nearly 127.20 km, and State Highway 59 (GJ SH 59) covers it.
• Rajkot to Navlakhi is 125.32 km. State Highway 24 (GJ SH 24) is a beautiful route that travellers enjoy.
•  Bedeshwar to Veraval has a distance of 121.40 km. It is covered by State Highway 26 (GJ SH 26).
•  The distance from Ahmedabad to Zalod is 116.52 km. State Highway 2 (GJ SH 2) covers this stretch.
• The distance from Mehsana to Ambaji is 113 km. The Gujarat State Highway 56 (GJ SH 56) covers this highway.
• Harji to Vijaynagar is 112.32 km long and falls under the Gujarat State Highway 10 (GJ SH 10).
• Gujarat State Highway 27 (GJ SH 27) covers 108.90 km from Jamnagar to Bhanvad.
• State Highway 13 (GJ SH 13) covers the distance between Ankleshwar and Akkalkuwa, which is 108.40 km.
•  Mangaldoi to Chamrang is covered by State Highway 16 (GJ SH 16). The distance between them is 108.20 km. The highway leads to the Bhutan border.
• Surenderanagar to Mehsana is covered by Gujarat State Highway 19 (GJ SH 19). The two places are 106 km away from each other.
• State Highway 22 (GJ SH 22) connects Jalvad to Ambuja, covering a distance of 105.10 km.

Travelling by road in Gujarat offers an enriching experience. People can take public transport or travel in their own vehicles, and along the way, they can enjoy the state's amazing green spaces.

White travelling long distances by car, you must buy car insurance for financial coverage in case of accidents and other unwanted incidents.

Conclusion

Gujarat is well-connected by a vast network of highways and roads, which has made it easy for travellers to explore the state. Remember, whether you are travelling to the rural or urban belt of Gujarat, it is important that your car is insured before it hits the road.

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.

Karnataka, known for its vibrant culture and dynamic economy, is also home to a vast road network that requires continuous maintenance and development. The Karnataka government levies road taxes on vehicle owners to support these infrastructure needs. In today's digital age, paying your road tax in Karnataka has become more accessible than ever, thanks to online payment options. This blog guides you to understand how to pay road tax online Karnataka.

What is the Road Tax in Karnataka in for Cars?

Below is a table outlining the road tax rates for commercial vehicles in Karnataka:

How to pay Karnataka Road Tax online?

Paying your Karnataka road tax online is straightforward, ensuring a hassle-free experience. If you don't know how to pay road tax online in karnataka, follow these steps:

• Visit the Parivahan website.
• Click on "Online Services."
• Select "Vehicles Related Services."
• Choose Karnataka as your state.
• Pick the relevant Regional Transport Office (RTO).
• Provide vehicle details, including the registration number.
• Verify the information for accuracy.
• Make the payment using various online methods.
• Download the payment receipt for your records.

Conclusion

Paying Karnataka road tax online is a convenient and efficient way to fulfil your financial obligations as a vehicle owner. The step-by-step guide provided here simplifies the process, allowing you to easily complete your payment. Embracing online payment options saves time and contributes to a more streamlined and digitised government system. So, whether you're a long-time resident or a newcomer to Karnataka, making your road tax payments online is a modern solution that ensures you stay compliant with the state's regulations while supporting the development of its road infrastructure. Additionally, securing comprehensive car insurance is equally important to protect your vehicle from unforeseen events. It not only provides financial coverage in case of accidents or damages but also ensures you meet the mandatory insurance requirements under Indian law.

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

The steering mechanism in vehicles has evolved with technological advancements, offering drivers enhanced control and comfort. Two prominent technologies, power steering and electric steering, represent significant milestones in this evolution. Understanding the distinctions between these systems is crucial for informed decision-making in the automotive landscape.          

Power steering vs electric steering

Here is a list of things associated with power steering vs electric steering. First, we will learn about the Hydraulic Power Steering:

• Complex system: Hydraulic power steering systems are intricate, involving numerous moving parts to function effectively.
• Heavier design: Compared to electric steering, hydraulic systems tend to be heavier, impacting the vehicle's overall weight.
• Hydraulic fluid requirement: These systems rely on hydraulic fluid, necessitating regular maintenance, including fluid changes.
• Repair challenges: Due to their complexity, hydraulic power steering systems pose more challenges when it comes to repairs, with multiple potential points of failure.
• Engine dependency: Hydraulic steering systems derive power directly from the engine, affecting fuel efficiency even when driving in a straight line.

Here are the features of Electric Power Steering that make it unique from hydraulic power steering:

• Simplified design: Electric power steering systems feature a more straightforward design with fewer moving parts, contributing to overall efficiency.
• Lightweight: Electric steering is lighter than its hydraulic counterpart, reducing the vehicle's overall weight.
• Fluid-free operation: Unlike hydraulic systems, electric power steering does not require hydraulic fluid, leading to reduced maintenance needs.
• Ease of repairs: Electric steering systems are generally easier to repair with fewer components and potential failure points.
• Smart power usage: Electric steering draws power only when the wheel is turned, optimising fuel efficiency by not continuously sapping engine power.
• Consistent performance: Electric power steering provides a consistent steering experience across different speeds, enhancing overall driving comfort.

Conclusion

In the ever-evolving realm of power steering, comparing hydraulic and electric systems illuminates the automotive industry's transformative journey. Hydraulic power steering has been a steadfast companion, steeped in history with nuanced feedback. However, the ascent of electric power steering signifies a notable leap forward. Electric steering is becoming the preferred choice in modern vehicles. Amidst maintenance, repairability, and driving experience considerations, electric steering emerges as the progressive and superior option in contemporary automotive design. As drivers embark on this technological shift, the assurance of comprehensive car insurance remains a prudent companion, safeguarding their vehicles in the evolving landscape.

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.

KP, short for key protect, is a type of add-on cover that provides financial protection against the loss or damage of car keys. This comes in handy as modern cars are equipped with expensive anti-theft keys or key fobs, making them expensive to replace.

The KP cover steps in to cover the cost of replacing or repairing the keys that are lost, stolen, or damaged. By paying a slightly higher car insurance premium you can avail of KP in car insurance. It can be added to both own damage car insurance policy and comprehensive car insurance policy.

In this blog, we will discuss in detail what is KP in car insurance, including its benefits, inclusions, and exclusions. We will also help you understand how to buy a key protection cover online and the steps to follow in case you need to make a claim.

Benefits of having KP in car insurance

Having KP in your car insurance policy comes with the following benefits:

• Financial security: This add-on covers the cost of replacing or reprogramming your car keys and locks where necessary.
• Convenience in the event of loss of keys: In a scenario where you lose the keys, KP reduces the hassle. Your insurer will provide you with a new set of keys.
• Peace of mind: With KP, one will be stress-free as they don’t have to worry about the high costs associated with the replacement of advanced car keys.
• No-claim bonus: Claiming the KP policy will not affect the no-claim bonus under your primary cover.

KP in car insurance coverage

The inclusions and exclusions of KP in car insurance are detailed below.

Inclusion of key protect cover in car insurance

Such an add-on covers specific risks and losses due to different unexpected circumstances. The KP add-on typically covers the following:

• Loss of car keys: The insurer will cover the cost of replacing the keys in the event your car keys are misplaced due to unexpected incidents while on the road.
• Stolen car keys: The insurer pays you the cost of replacing the stolen car keys. The policyholder is compensated to prevent theft-related losses.
• Damaged car keys: The insurer covers you against the cost of replacing your car keys damaged during an accident or any unforeseen incidents.
• Damaged lockset: In case the lockset of your vehicle is damaged, KP covers the repair or replacement cost.

Exclusion of key protect cover in car insurance

However, there are certain exclusions typically associated with KP:

• Negligence or misconduct: Loss or theft that occurs as a result of carelessness, negligence, or willful act of the car owner.
• Warranty: Keys covered by a manufacturer’s warranty do not fall within this cover.
• Environmental damage: Damage from a cause not acting directly on the insured property, for example, radiation
• Natural deterioration: Wear and tear damage and any other natural deterioration like corrosion and rust affect the keys.
• System failures: Any breakage or damage of the locks sustained due to any electrical or mechanical failures to the vehicle’s lock system.
• Non-key components: Any damage that occurs to parts of the vehicle that is not directly related to the key, for example, damage to the immobiliser, and the vehicle’s ignition system

How to buy key protect cover online?

Purchasing KP coverage online is straightforward:

1. Visit your insurer’s website: Log onto your car insurance provider’s website.
2. Select/add KP cover: When renewing or purchasing a new policy, you can add KP cover to your cart.
3. Pay for the add-on: Complete the purchase by paying the additional premium for the KP cover.

Steps to claim under KP in car insurance

If you have included your car keys under Key Protect, here is what to do when you lose or the keys get damaged:

1. Initial report: As soon as you discover that your car keys are lost or damaged, you should report to the insurance company about the event.
2. Police report: If the keys were stolen, you should also file an FIR at the local police station.
3. Key replacement or repair: Proceed to the replacement or repair of your car’s keys.
4. Documentation submission: Submit the completed claim form along with the police report and any other required documents to your insurer.
5. Claim settlement: Following verification of your claims, the insurer will settle the claim by processing your repayment.

Conclusion

The key protect add-on cover is a valuable feature for anyone looking to enhance their car insurance policy. It not only mitigates the financial impact of replacing lost or damaged car keys but also provides significant convenience and peace of mind. As cars become more technologically advanced, and replacement costs for keys increase, KP in car insurance can be a prudent investment in protecting yourself against unexpected expenses.

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

Updated on - 5 May 2026

Understanding when car insurance decreases is crucial for budget-conscious individuals. Various factors influence the dynamics of insurance costs, and knowing when to anticipate a reduction can help vehicle owners plan their expenses more effectively. This blog will examine the factors that may decrease a car’s premium.

When Does Car Insurance Decrease?

Here are some ways in which car insurance goes down:

Age-Related Premium Reduction

As a vehicle ages, its insured declared value (IDV) decreases, reducing the car insurance premium.

IDV Calculation and Depreciation

Car insurance companies use a table based on the car's age to calculate its IDV, factoring in depreciation.

IDV Percentage by Age

Insurance companies often determine the Insured Declared Value (IDV) percentage based on the vehicle's age. This tiered approach ensures that the insurance coverage aligns with the vehicle's depreciating value over time. Here’s a table depicting the IDV depreciation slabs:

Depreciation and Insured Declared Value (IDV)

Depreciation reflects the natural reduction in a vehicle’s market value over time due to age and usage.

No Claim Bonus

Insurers will award you a No Claim Bonus (NCB) if you don't file any claims throughout a policy year. At each renewal, it offers cumulative savings on the own-damage premium, which ranges from about 20% following the first year without a claim to 50% over the course of several years without a claim. This implies that keeping a claim-free record can result in far larger savings even if the car's age has a minor impact on lowering premiums. However, unless the policyholder has chosen NCB protection as an add-on, filing a claim resets the NCB to zero.

Apart from these, owners of the same car models with different manufacturing years pay different sums for car insurance due to variations in IDV.

Conclusion

The own-damage component of car insurance generally decreases with age, but the total premium may vary because of other factors. The IDV calculation, influenced by depreciation, is pivotal in determining the insurance cost. As a car ages, its monetary value decreases, leading to a corresponding reduction in insurance premiums. Understanding these dynamics helps vehicle owners make informed decisions, ensuring their insurance expenses align with the cars' changing value over time.

FAQs

1. Will choosing a higher deductible reduce the premium?

Choosing a higher voluntary deductible can reduce your premium, as you agree to pay a bigger share of the claim amount. But it’s important to choose a deductible that remains affordable in case of an accident.

2. How do I choose the best car insurance for lower premiums?

Comparing insurers, examining claim settlement percentages, and selecting only pertinent add-ons are all necessary steps in choosing the best possible auto insurance. While maintaining sufficient protection, avoiding unneeded covers might help keep the premium affordable.

3. Does comprehensive car insurance cost more than basic coverage?

Because it covers both third-party liability and vehicle damage, comprehensive car insurance typically has a higher cost than third-party insurance. It does, however, provide more comprehensive financial protection, which may prove advantageous over time.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Taking a few minutes to check the condition of your car's tyres before you hit the road is a small but important step to ensure safety. You need to inspect tyre tread and pressure. 

Learn more about tyre inspection, when to change tyres, and ways to clean them.

What is Tyre Inspection?

Tyre inspection involves looking for punctures, bulges, cracks, scrapes, and the overall extent of wear and tear.

How to Check Tyres?

Here’s how you can carry out a car tyre safety check:

• Monitor the Tyre Pressure

  Use a pressure gauge to check the air in your car tyres. Doing this will help determine whether the tyres are properly inflated or need an air refill.

• Check out the Tread Depth

  Monitoring tread depth means checking your tyre grooves. You can do this using a coin. Try vertically inserting a coin into each tyre tread. This will tell you if the tyres have equal tread depth. For a perfect measurement, you can use a tread depth gauge. If the tread depth is not up to par, stop using the tyre immediately.

• Examine the Tyre’s Overall Condition

  It always helps to monitor possible signs of tyre damage. Some warning signs that indicate that it’s time for a replacement are cracks, punctures, cuts, bulges, or bumps. Any warning sign may mean that it’s time to replace the tyre or hire a professional tyre service. The replacement will mostly depend on the age of your vehicle's tyres.

When Do Tyres Need Changing

The following situations should tell you when to replace the tyres:

• If you have used the vehicle for about 5-6 years. This applies even when you see no visible signs of wear and tear. 
• If you drive the car under damaged or harsh road conditions, such as potholes, bumps, or regions with extreme weather conditions. 
• An individual’s driving habits also determine the life of a car tyre. These factors include driving speed, failure to service the car regularly, misusing the emergency brakes, and using incompatible wheel and rim sizes.
• In the event of an accident, even if you experience only minor damages.

Ways to Clean Tyres

Follow these steps whenever you want to clean your car tyres:

• Get all the necessary tools ready (mild detergent, soft to medium-bristled brush, towel, etc.)
• Spray water on the tyre and the rim from various angles.
• Apply the cleaning solution.
• Let the detergent absorb for a few minutes to loosen the grime, making rinsing easier.
• Start scrubbing the tyre surface (for spots with hard grime, use other brushes that are more efficient).
• Rinse the tyre thoroughly to eliminate all cleaning products.
• Use a towel to dry out the tyre.

You can apply wheel wax to your tyres to make the cleaning process easier. The wax makes the surface of the tyres shine and attain a brand-new look. Importantly, it creates a protective layer that safeguards the tyres from contaminants.

Conclusion

Inspecting your vehicle's tyres is an essential part of car maintenance. With the increase in road accidents, you must prioritise your safety and that of others by performing a routine tyre inspection before you go for a drive. Regular checkups will help you resolve any issues you detect immediately.

Also, consider purchasing the right car insurance policy to protect your finances and cover emergencies like road accidents. In this case, the insurance will pay for hospital bills and car damages.

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.

Updated on - 30 Dec 2025

Are you planning to buy a new car? Don’t forget to check the vehicle’s power-to-weight ratio. This factor is crucial to the car’s performance. The car needs power according to the weight it has to tow. So, the higher the power, the more easily it accelerates. That’s why several car owners consider the power-to-weight ratio before investing in a vehicle. So, how is this ratio calculated, and what are the best ways to increase it?

This article explains how to calculate a car’s power-to-weight ratio, includes practical examples and outlines effective ways to improve it.

What is the power-to-weight ratio?

One key term to consider when selecting the best-performing car is the power-to-weight ratio. In simple terms, it is the amount of power a vehicle has relative to its weight. This ratio serves as an indicator of the vehicle's strength.

Cars have different engines and tunings, and knowing the power-to-weight ratio helps easily compare two vehicles. A higher power-to-weight ratio means the car’s engine has more power, offering faster acceleration and a more agile performance.

How to calculate the power-to-weight ratio

All you need is your car's power output value and its weight, both of which can be found in the car’s brochure. The power is divided by the car's weight to determine the power-to-weight ratio.

Here is a simple formula to find a car’s power-to-weight ratio:

Power-to-weight ratio = Power / Weight

Example of power-to-weight ratio

Consider two cars to understand this power-to-weight ratio measurement.

The first car has a power output of 100 hp, and the second one has 95 hp. The first car weighs 1.13 tons, and the second weighs 1.067 tons. Now, let’s calculate their power-to-weight ratio by dividing each car’s power output by its weight.

Here’s what you get:

Power-to-weight ratio of the first car = 100 hp / 1.13 tons = 88.49 hp/ton

Power-to-weight ratio of the second car = 95 hp / 1.067 tons = 89.03 hp/ton

The power-to-weight ratio of the first car is 88.49 hp/ton, while that of the second car is 89.03 hp/ton. The difference is minimal, but the second car still stands out in performance.

How to increase power-to-weight ratio

The owner can improve the power-to-weight ratio by increasing the engine power output and decreasing the load. Here are the best tips to increase the ratio and enhance the car’s performance:

• Reduce the weight of your car
• Keep the engine well-maintained
• Use high-performance air filters for better engine efficiency
• Use additives and synthetic lubricants to keep your car’s engine in great condition
• Improve the exhaust gas flow to boost the power output
• Remap the Electronic Control Unit for better engine performance

Factors affecting the power-to-weight ratio in vehicles

Although the power-to-weight ratio is fundamentally dependent on the vehicle’s horsepower and body weight, several other factors influence it:

1. Engine design

The air-fuel ratio, ignition timing and compression ratio affect the amount of power an engine can produce.

2. Component weight

Light engine parts, materials, wheels and seats can affect the payload, and ultimately its power output.

3. Payload

The amount of cargo and the number of passengers can affect the vehicle’s weight and reduce its power-to-weight ratio.

4. Handling

A poor driving pattern can affect how much power a car needs to move itself. Although it doesn’t affect the power-to-weight ratio directly, it can prevent the driver from using the vehicle’s power.

5. Aerodynamics

The shape of the vehicle affects its aerodynamic drag ability. An aerodynamic design helps maintain a stable speed with minimal power.

Why power-to-weight ratio matters for car insurance premiums

The power-to-weight ratio is one of the factors to influence the performance of a car. A higher ratio means the vehicle can comfortably handle higher speeds and acceleration. But it also increases the chances of accidents. Insurers use it to assess your risk profile, which can ultimately affect your car insurance policy premium. That’s why it is best to determine the power-to-weight ratio so you know what to expect from a comprehensive car insurance plan.

Conclusion

Awareness of the power-to-weight ratio helps you understand your vehicle better and has the potential to elevate your car’s performance. Improving your driving habits, reducing load and ensuring timely service can help keep the vehicle in optimal condition. Even with careful maintenance, unexpected issues can occur at any time. A good way to ensure financial protection is by purchasing car insurance online that covers unexpected problems that may arise. If you need personalised insurance advice, fill out the form provided on this page.

FAQs

1. Which car has the best power-to-weight ratio?

Some of the cars with the best power-to-weight ratio are the Hyundai Verna Turbo, the Tata Altroz and the Kia Seltos.

2. What is the ideal power-to-weight ratio for a car?

The basic range for city and highway driving should be 70 to 90 hp/ton.

3. What does the power-to-weight ratio tell you about your car?

The ratio tells you how much power a car needs to push its weight. A higher ratio indicates the car is powerful enough to tow a heavy load.

4. Can you improve the power-to-weight ratio?

Yes, engine maintenance, ECU remapping and improved driving habits can increase the power-to-weight ratio.

5. Does power-to-weight ratio affect a car’s top speed?

The ratio doesn’t directly affect the top speed, but it changes the time a car takes to reach that speed.

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

Relying on zero-emission vehicles (ZEVs) is a significant step towards a pollution-free future. ZEVs do not produce tailpipe emissions or are designed to release almost no emissions. For example, an electric vehicle is a ZEV because it produces no emissions.

What Are Zero-Emission Vehicles

So, what is a zero emission vehicle? Simply put, they are a pollution-free mode of transport. Zero-emission vehicles have a positive environmental impact, making them popular in recent years. Some ZEVs can also have an internal combustion engine but can operate without it.

Types of Zero-Emission Vehicles

There are mainly three types of ZEVs in the market:

• Battery electric vehicles
• Plug-in hybrid electric vehicles
• Hydrogen fuel cell electric vehicles

Battery Electric Vehicles (BEVs):

Battery electric vehicles (BEVs) are zero-emission vehicles powered by rechargeable batteries. These are the most fuel-efficient vehicles available on the market, generating no tailpipe emissions.

BEVs are ideal for those looking to significantly reduce fuel costs. They are also an excellent option for those seeking to lower maintenance costs.

Plug-in Hybrid Electric Vehicles (PHEVs):

Plug-in hybrid electric vehicles (PHEVs) are ZEVs equipped with both rechargeable batteries and gas engines. Compared to traditional internal combustion engine-powered vehicles, PHEVs are more economical. They can be charged at charging stations or at home and can also be refuelled at a gas station. These vehicles are best suited for those who frequently travel long distances and are planning to switch to a battery-electric vehicle.

Hydrogen Fuel Cell Electric Vehicles (FCEVs):

Hydrogen Fuel Cell Vehicles are also referred to as Fuel Cell Electric Vehicles (FCEVs). They are hydrogen-powered and more efficient than traditional internal combustion engine vehicles. These vehicles also produce no harmful tail emissions but only water vapour and warm air.

How Does a Zero-Emission Vehicle Work

ZEVs run on batteries, which need to be charged regularly as they serve as the power source for the vehicle’s operation. The propulsion technology in ZEVs is designed to limit the emission of harmful gases produced by non-renewable energy sources like diesel or petrol. Let’s take a look at the different types of ZEVs and their working mechanisms.

Impacts of Not Using Zero-Emission Vehicles

The transport sector, in its current state, is the biggest contributor to greenhouse gas emissions on our planet. The overdependence on fossil fuels has degraded Earth’s environment. With overpopulation, more people are purchasing cars, and the emissions from traditional internal combustion engine (ICE) models are contributing to climate change, ozone depletion, and rising global temperatures.

Conclusion

Local governments around the world are adopting ZEVs with increasing ambition. To combat the growing problem of air pollution, authorities are replacing gasoline and diesel-powered trucks and buses with this green technology. A reliable car insurance policy helps protect against the risks of ZEV breakdowns and battery malfunctions. It offers protection against accidents, theft or damage as well.

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.

Acceleration plays a crucial role in determining how fast a car can go. The purpose of launch control systems is to enable vehicles to accelerate as efficiently as possible from a standstill. Whether you're at a race track or striving for the best 0-60 mph time on the road, launch control ensures your car delivers optimal power and grip when you press the accelerator. While this technology is most common in high-performance sports cars and racing vehicles, it has gradually made its way into mass-production cars.

Functions of Launch Control

Launch control systems are designed to optimise a car’s initial acceleration. Here are the primary functions:

• Maximising Power Delivery: Launch control helps deliver the right amount of power to the wheels without overloading them, which ensures smooth acceleration.
• Preventing Wheel Spin: Avoids excessive wheel spin by controlling how power is delivered.
• Optimal RPM Management: Launch control allows the engine to rev to an optimal RPM (revolutions per minute) before launching, ensuring better performance and control.
• Ensuring Consistency: It helps drivers achieve consistent starts every time, making it ideal for racing scenarios where reliability is crucial.
• Improving Grip: The system manages power transfer to the wheels, ensuring better grip and traction from the get-go.
• Simplifying the Launch Process: It reduces the need for manual intervention by automatically controlling the acceleration process, making it easier for drivers, especially beginners, to execute a fast start.

How Does Launch Control Work

Launch control works by managing how the car’s engine and transmission deliver power during the initial acceleration phase. It adjusts the engine's RPM, limits wheel spin and ensures the launches with maximum speed and control. Below is a breakdown of how launch control works:

• Activating Launch Control

  To activate the launch control, the driver typically selects a specific mode or presses a button located on the dashboard or steering wheel. Some vehicles automatically activate the system when placed in a special performance mode. Once activated, the system sets the engine’s RPM to an optimal level for launching. This RPM is typically lower than the engine’s maximum (redline) but high enough to give the car sufficient power for a strong start.

• Throttle Control

  When the driver presses the accelerator, launch control takes over, ensuring the throttle opens gradually. This prevents the engine from revving too high and causing the wheels to spin out of control. The car's computer system carefully monitors how much power is sent to the wheels to ensure the car doesn't lose traction. By precisely managing throttle input, launch control helps the car accelerate smoothly without any sudden jerks or spins.

• Transmission Control

  In cars with manual transmissions, launch control also manages how the clutch engages and how the gears shift. For automatic or dual-clutch transmissions, the system ensures quick and seamless shifts. It also works in tandem with the car’s traction control system, adjusting power distribution if wheel spin occurs, thereby maintaining grip and stability.

• Launch

  Once everything is set, the driver can simply press the accelerator, and the car launches forward. Launch control ensures that the car accelerates smoothly and with maximum performance. Managing the RPM, throttle, transmission, and traction gives the driver the best possible start and helps achieve faster acceleration without the risk of wheel spin or loss of control.

What Are the Benefits of Launch Control?

Launch control offers several advantages, particularly when it comes to performance and driving safety. Below are the key benefits:

1. Improved Acceleration

   • Faster Starts: The main benefit of launch control is that it helps cars achieve faster acceleration from a standstill. By controlling the engine’s RPM and throttle, it reduces the chances of losing time due to wheel spin or poor traction.
   •   Consistent Results: With launch control, the car’s performance is more predictable, allowing for consistent acceleration every time. This is particularly important for racers or those trying to achieve the best lap times.

2. Better Control

   • Enhanced Control: By managing power distribution and wheel spin, launch control ensures tyres maintain a grip on the road, even on slippery or uneven surfaces.
   • Reduced Driver Error: For less experienced drivers or those unfamiliar with high-performance vehicles, it minimises the risk of overpowering the car or losing control during the launch phase.
   • Smoother Gear Shifts
   • Automatic Gear Shifting: For automatic transmissions, launch control allows for faster and smoother gear shifts, ensuring that the car accelerates with minimal delay or hesitation.
   • Less Stress on the Driver: In manual transmission, launch control can make it easier for drivers to manage the clutch and gear changes, especially in stressful racing or performance environments.

3. Minimised Wear and Tear

   • Less Stress on the Car: Launch control reduces the strain on the car’s engine, transmission, and tyres by preventing sudden surges of power, which, in turn, may lead to damage or excessive wear. The system ensures a controlled application of power.
   • Protecting the Drivetrain: With a properly executed launch, the drivetrain components experience less stress compared to a poorly executed start. It results in better durability and fewer repairs.

Conclusion

Launch control is an essential feature in modern performance cars, especially for drivers who want to achieve the best possible acceleration and performance. By optimising engine power, managing wheel spin, and ensuring seamless gear shifts, it significantly enhances driving performance and control.  While enjoying the advanced technological features of the launch control system, it's equally important to ensure your car is fully covered by comprehensive insurance. Make sure to get the best four-wheeler insurance to protect your vehicle and enjoy these advanced features with peace of mind.

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

You can see how the Kerala state highways link busy towns with quiet rural areas if you take a drive along them. Going from Thiruvananthapuram to Kasaragod, these roads will take you from its busy towns to its tranquil countryside, displaying the diverse landscape of Kerala. These roads will add character to your travels, whether you are a resident making your way to the office or a visitor taking in the sights.

List of 15 State Highways in Kerala

Let us take a look at the 15 crucial state highways in Kerala —

• Kerala State Highway 1 (Main Central Road): Angamaly in Ernakulam and Kesavadasapuram in Trivandrum make up this vital 240.6-kilometer segment. It is an important route for both local commuters and tourists, passing through busy districts such as Kollam and Kottayam. Several cultural landmarks and picturesque vistas are also along the way.
• Kerala State Highway 2 (Thiruvananthapuram-Thenmala Road): This roadway passes through the peaceful villages of Kulathupuzha, Palode, and Nedumagad. It covers 73.2 kilometres between Thiruvananthapuram and Thenmala. This scenic route is perfect for those who enjoy leisurely driving and the outdoors, as it highlights the rural charm of the state.
• Kerala State Highway 3 (Nedumangad- Shorlacode Road): The 37.5-kilometer route is noisier and less travelled. It links the Nedumangad Toll junction to the Tamil Nadu border at Kadukkara. Anyone looking to discover the state's lesser-known areas would find it to be a wonderful route.
• Kerala State Highway 5 (KP Road (Kayamkulam-Punalur Road): The 42.5-kilometer roadway travels from Kayamkulam to Punalur via Adoor and Pathanapuram. Since it links so many smaller communities, it serves as a vital conduit for transportation and commerce in the area.
• Kerala State Highway 6 (Kayamkulam-Thiruvalla Highway): The distance between Kayamkulam and Thiruvalla on this roadway is 30.8 kilometres. The route is vital to the regional economy and accessibility as it connects two major trading centres.
• Kerala State Highway 7 (Thiruvalla-Pathanamthitta-Kumbazha Highway): This 32.8 km route is a crucial connection within the Pathanamthitta area. It connects several tiny settlements and boosts regional development.
• Kerala State Highway 8 (Punalur-Muvattupuzha Highway): The route links Punalur and Muvattupuzha and is about 153.6 kilometres long. It also winds its way through verdant districts like Ernakulam and Kollam. Tourists who are interested in exploring the eastern parts of Kerala adore the road for the picturesque beauty along the way.

• Kerala State Highway 10 (Mavelikkara-Kozhencherry Highway): This route connects Mavelikkara with Kozhencherry across 28.7 km. It offers chances to enjoy the local way of life as it travels through two culturally significant places, Alappuzha and Pathanamthitta.
• Kerala State Highway 11 (Alappuzha Changanassery Road): This 24.2-kilometer road is popular with both tourists and residents. It links the religious and cultural sites of Kalarcode in Alappuzha with those of Perunna in Changanassery.
• Kerala State Highway 12 (Ambalapuzha-Thiruvalla Highway): This 27.2 Km long route links Ambalapuzha to Thiruvalla, a town in Kerala with several revered religious sites.
• Kerala State Highway 14 (Erattupetta-Peermade Highway): This highway is 24.3 km long and runs through the hilly districts of Idukki and Kottayam. You can reach some of the most remote and spectacular places in the area by this road.
• Kerala State Highway 15 (Ettumanoor-Ernakulam Highway): This 57.3-mile road is very useful for commuters and goods heading to Ernakulam and Kottayam. It enhances regional connectivity and economies by connecting Ettumanoor to Pulikkal junction.
• Kerala State Highway 16 (Aluva-Munnar Highway): This road starts in Aluva and ends at the Northern Outlet Road. It is 114.4 km long and its fame stems from the breathtaking landscapes along the route. It travels to Munnar, which is a cherished hill station in Kerala.
• Kerala State Highway 17 (Munnar-Udumalpet Road): Starting at Munnar, the southern terminus of NH 85, this 59.1 km road continues to the border of Tamil Nadu. It passes through Idukki's hilly and wooded landscape, offering vital access to some of Kerala's most remote and unspoiled regions.

Conclusion

Kerala state highways enhance the socioeconomic landscape of the state by linking rural areas to big towns. They also boost tourism and promote cultural contacts. Traveling along these roads provides a one-of-a-kind opportunity to experience the state's vibrant beauty. Just make sure that you have an appropriate car insurance policy too to enjoy a smooth ride.

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

Accidents can happen to anyone, regardless of their driving skills. You never know when a two-wheeler will pass you on the wrong side of the roadway. You also never know when a pothole will cause your car to jolt and damage its components while you are going at a steady speed. A car insurance policy is there to protect against all of these risks. This motor insurance policy is broadly classified into three types (viz., third-party liability insurance, comprehensive coverage, and standalone own damage cover), out of which today we will explore the most basic coverage, third-party liability insurance.

What is Third-Party Liability Cover?

Third-party insurance, or basic cover or liability coverage, is mandatory for vehicle owners. It comes into play if your insured car damages someone’s property due to a collision or injures someone outside the insured vehicle in an accident.

It is crucial to note that a third-party liability insurance plan does not cover any losses or damage to the covered vehicle. You cannot extend policy coverage by adding a rider to your basic liability coverage. 

How does Third-Party Liability Cover Work?

Suppose you were driving from home to work one day. A pedestrian appears out of nowhere at the intersection as you prepare to make a turn. Before you applied the brakes, your car collided with that person, causing him major injuries. You rush to the hospital to help him receive rapid treatment while simultaneously completing the necessary paperwork. The hospital hands you a bill for Rs 6,00,000. In this situation, after analysing the claim, the insurer will cover the medical expenditures. 

How to Claim for Third-Party Car Insurance?

If you have injured someone or damaged the person’s property, here is how to file a third-party car insurance claim.

• Call your insurer and tell them about the situation. Ensure that you notify them within the specified timeframe. 

• Next, contact the police station under whose jurisdiction the accident occurred. File an FIR there, and keep a copy.

• Go to your insurer's website to fill out the claim form. Upload all required paperwork.

• Following the claim submission, the insurer will appoint a surveyor to examine the degree of the third party's loss and, based on that, prepare and submit a report to the claims department.

• After the claims department evaluates the submitted report and finds it satisfactory, they will settle the claim amount. 

Features of Third-Party Liability Coverage

Listed below are the significant features of third-party liability coverage. 

• Lower premiums: Since this policy provides the bare minimum of coverage, the premiums are significantly lower than those for standalone own damage and comprehensive insurance.

• Instant cover: Like any other policy, you must simply visit your insurer’s website, enter car-related information, such as registration number, make and model, and finally make the payment. Following these procedures, you will immediately receive a soft copy of your insurance document at your registered email ID.

• Limited coverage: As previously stated, the policy does not cover damage or theft of insured vehicles.

Third-Party Liability Cover Premium

You may not be aware that the insurance regulator (IRDAI) determines the premium for liability coverage based on the car’s displacement size. The insurer can only set the rate for the own damage portion of the four-wheeler insurance. Here are the latest rates. 

Premium for Single-Year Policy

Premium for 3-Year Policy 

Premium for Single-Year Policy for Electric Cars

Premium for 3-Year Policy for Electric Cars

Exclusions of Third-Party Liability Cover

• The policy does not reimburse medical costs if an insured car driver sustains an injury. Such medical bills are covered under the personal accident component of your comprehensive cover. 
• If the insurer comes to know that at the scene of the incident, you were driving under the influence of alcohol/drugs, no claim will be accepted.
• The insurer might reject the claim if the insured car driver is a minor or a lunatic.

Conclusion 

Third-party liability coverage is required to drive legally in India. However, this policy does not cover the insured vehicle or its driver and passengers. Thus, experts recommend opting for comprehensive or enhanced third-party liability coverage with own damage insurance and a few riders.

Updated on - 18 May 2026

If you’re thinking, 'Does car insurance cover theft?’ the answer is yes. However, the extent of coverage depends on the type of policy you choose. Understanding what is included can help you avoid unexpected financial losses in case your vehicle is stolen. This blog reviews what type of insurance policy covers the theft of the vehicle.

What’s Covered by a Car Insurance Policy?

Car insurance policies are of two categories: comprehensive and third-party liability coverage.

As the name suggests, a third-party liability plan offers coverage for damages to third parties. These plans have a limit on how much the insurer will pay to the third party, though in case of injury or death, liability is unlimited. But you will not receive coverage if your car gets stolen.

A comprehensive car insurance policy covers theft of the vehicle, accidents, third-party liabilities, own damage cover, and so on. Some comprehensive car theft insurance policies offer the following benefits in case your car is stolen:

• Daily Allowance for Car Theft: If your car gets stolen, the insurer may provide you with the cost of hiring a rental car for a certain period, as mentioned in your policy document.
• Courtesy/Hire Car: Some insurers even provide a replacement courtesy/hire car within 24 hours after the vehicle is reported stolen.
• Partial Theft Coverage: In case some parts or accessories are stolen, you can get them replaced without losing your no-claim bonus if you have an NCB protection add-on.

Steps to File a Claim If Your Car Is Stolen

Auto theft insurance is usually included in most comprehensive policies, and you can get compensated if such an event occurs. Here's how to file a claim in case your car gets stolen.

1. File an FIR

• You are immediately required to file an FIR upon discovering the theft of your vehicle.

2. Contact Your Insurer

• Notify your insurer and submit the duly filled claim form along with a copy of the FIR.

3. Inform the RTO

• The next step is to notify the Regional Transport Office (RTO) to avoid legal issues if the car is misused. You have to provide the RTO with the vehicle’s registration certificate, FIR copy, your driver's licence, and a copy of the insurance claim form that you submitted when making a claim.

Documents required

• You must keep certain documents ready. The list below will be handy.
  • Copy of FIR
  • Copy of the RC of the vehicle
  • A duly filled and signed claim form
  • Photocopy of your driving license
  • Copy of your car insurance policy document
  • Original keys of the car
  • Duly signed RTO Transfer Forms 28-30
  • In the case of ongoing car loan, NOC and Form 35 from the financer
  • No Trace Report

Conclusion

Car theft insurance can be covered by a comprehensive insurance plan. It will also provide other benefits like allowances for hiring a rental vehicle and coverage for partial theft. By following certain simple steps, like filing an FIR, contacting your insurer, informing the RTO, and keeping the necessary documents at hand, you can navigate the claims process efficiently.

FAQs

1. How is the claim amount decided in theft cases?

The amount of money the insurance company pays is usually based on the vehicle's Insured Declared Value at the time the insurance was bought or renewed. If the vehicle is completely lost or stolen, the insurance company will pay the maximum amount payable, which is the current market price of the vehicle after it has lost some value over time due to depreciation.

2. Is theft covered in add-ons or basic plans?

A regular comprehensive car insurance policy usually covers theft as a standard feature, though some add-ons or extra features provide additional perks, like money for hiring a car or no-claim bonus protection.

3. Can I buy car insurance online for theft coverage?

Yes, you can get comprehensive plans that cover theft as well as third party insurance for your four-wheeler online. When you purchase it online, you can quickly and easily compare plans, look up IDV options, and choose suitable add-ons.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

One cannot fail to notice how wonderfully the state highways are kept while driving through the picturesque landscapes of Maharashtra. More than just roadways, they link urban centres and rural areas. Familiarising yourself with these routes will greatly improve your driving experience. So, let us check the Maharashtra state highways that form the major road network in the state.

List of 10 State Highways in Maharashtra

The huge network of state highways in Maharashtra improves connectivity across the state and strengthens its economy. Every highway is important regardless of whether it winds through a busy city or a peaceful rural area. Let us understand them better.

• Maharashtra State Highway 10 (MH SH 10): This important highway is almost 373.6 km long and runs from Dondaicha in Dhule to Daund in Pune. It is also known as the Malegaon-Manmad Road. It passes through significant towns such as Nashik and Ahmednagar facilitating trade and travel between the two areas.
• Maharashtra Major State Highway 1 (MH MSH 1): This highway starts at Songir in Dhule and stretches to Wadifali at the Maharashtra-Gujarat border in Nandurbar. It spans 181 km and is crucial for connecting the agricultural and rural areas of Dhule to the markets and administrative centres in Nandurbar.
• Maharashtra State Highway 151 (MH SH 151): Located in the Solapur district, this 135 km route connects the major towns of Barshi and Akkalkot. It is essential for both local traffic and trade.
• Maharashtra State Highway 190 (MH SH 190): This 65-kilometer highway links Malkapur and Nasirabad and passes through the districts of Buldhana and Jalgaon. Its primary functions are to establish connections between smaller settlements and facilitate regional growth.
• Maharashtra State Highway 173 (MH SH 173): The road goes through the tehsils of Buldhana and Jalna on its way from Shegaon to Trunki. It traverses diverse terrains. It links cultural sites across regions and boosts local economies.
• Maharashtra State Highway 2 (MH SH 2): The 55-kilometre Nandurbar road that links Mhasavad and Toranmal is no less important although it is shorter. This route is vital for supporting local tourism. This is the major route for visitors going to the hill station known as Toranmal.
• Maharashtra State Highway 134 (MH SH 134): Start your journey in Kolhapur at Sankeshwar and complete it in Sindhudurg at Sawantwadi on this picturesque 110-kilometer path. Travellers to the coastal areas and the western Ghats frequently pause on this road to see the stunning scenery around.
• Maharashtra State Highway 1 (MH SH 1): This important road connects the Shahada in Nandurbar to the Amalner in Jalgaon through a stretch of 180 kilometres. It connects the three districts of Nandurbar, Dhule, and Jalgaon and facilitates movement inside and between them.
• Maharashtra State Highway 42 (MH SH 42): This 15-kilometre road connects Thane's Kapurbawadi to the NH8 intersection close to Ghodbunder. It is vital for urban connectivity. It is also known by the name Ghodbunder Road (GB Road). It sees a lot of traffic as an important route connecting Mumbai to the western suburbs.
• Maharashtra State Highway 27 (MH SH 27): This road is vital for daily commutes and goods movement. It improves the connection between the two major economic hubs of India, Ahmednagar and Pune.

Conclusion

Travelling across Maharashtra safely and comfortably requires familiarity with the state's road network. Commuting, whether for work or pleasure, can also be stressful without a proper car insurance policy. So, it is essential to obtain a plan that covers every risk on the road.

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

Accidents may occur at any time in life, and it’s impossible to foresee when they will occur. They can cause physical injuries, permanent disabilities, or even death. Such incidents can not only take a toll on mental well-being and cause emotional distress but also lead to financial burdens. Loss of income, medical expenses, and other related costs can add up quickly and take a toll on an individual's financial stability. In such situations, having a safety net in the form of insurance can be a significant relief. Multiple personal accident insurance policies offer a safety net in such circumstances.

What is Multiple Personal Accident Insurance?

Multiple personal accident insurance is a type of coverage where an individual purchases more than one personal accident insurance policy. The primary objective of multiple personal accident insurance is to increase the total coverage amount and enhance the financial protection provided to the policyholder in case of an accident.

For example, suppose an individual purchases a personal accident insurance policy with a coverage of Rs 15,00,000 with motor insurance. In addition, he also purchases a PM Sadak Bima Yojana with a coverage of Rs 2,00,000. In case of an accident that results in permanent disability or death, the individual or the person’s family can make claims under both policies to receive the benefits. However, the total amount claimed cannot exceed the actual loss (policyholder’s life value).

It is worth noting that multiple personal accident policies usually differ in terms of premium, coverage, and tenure.

Benefits of Multiple Personal Accident Insurance

• Increased coverage: Individuals can purchase multiple policies and increase their total coverage amount to meet their specific needs.
• Higher financial protection: Multiple policies offer increased financial backup to individuals and their families in case of accidents resulting in permanent disability or death. This can help cover medical expenses and compensate for the loss of income.
• Customised coverage: Multiple policies can offer customised coverage options that cater to the specific needs of the individual. For instance, one policy can provide coverage for accidents occurring while travelling, while the other can provide coverage for mishaps occurring in the workplace.
• Additional benefits: Some car insurance providers cover funeral expenses, hospitalisation expenses, and ambulance charges under multiple personal accident insurance policies.

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

The question, 'Why is car insurance mandatory in India?' is a common concern among vehicle owners. According to the Motor Vehicles Act (1988), it is compulsory for all vehicles plying on Indian roads to have a valid car insurance policy. A car owner must have mandatory third-party liability coverage before he/she takes the car out on the road. This coverage offers coverage against damage to a third party’s property or injury to the person.

Although third-party liability coverage is mandatory, investing in a comprehensive plan is wiser. A comprehensive plan will offer coverage for not only third-party liabilities but also own damage. Look for car insurance online and choose an insurer you can always rely upon.

Benefits of Car Insurance

The benefits of car insurance include the following:

• Coverage against unforeseen circumstances

Once you have car insurance, you enjoy coverage against possible losses that may result from an accident or any damage to the insured vehicle. A comprehensive insurance policy offers full car coverage. Such a policy entails coverage for damages to your vehicle due to an accident, third-party liabilities, fire, natural calamities, and theft.

• Accumulate no-claim bonus

A no-claim bonus is a reward your insurers give you for not making any claims in a policy year. It is a discount on the premium, which increases with every claim-free year and goes up to 50% for 5 consecutive claim-free years. 

• Covers third-party liabilities

If a car accident occurs and a third party gets injured, hospital care can be expensive. A third-party liability plan covers the hospital bills of the third party injured in the accident. It will also cover the expenses of the repairs if your car is involved in an accident that results in damages to the property of a third party.

What will happen if you don't have car insurance?

If you don't have a valid car insurance policy, you can face severe consequences, including:

• Suspension of your driving license
• Legal proceedings may be initiated against you, and you may face severe punishment
• A heavy traffic fine may be levied if you are caught driving without a valid DL by the traffic police
• If you are a repeat offender, you may face a penalty in the form of a substantial fine and/or imprisonment
• If you meet with an accident, you will have to shell out all costs incurred due to third-party liabilities as well as your damage
• Suspension or cancellation of your vehicle registration
• You can have your vehicle impounded

Conclusion

Based on 1988's Motor Vehicle Act, it is necessary to have insurance coverage for all vehicles traversing the Indian roads. A motor vehicle owner can choose between mandatory car insurance in India and comprehensive coverage. However, a basic third-party liability cover may not offer you the sufficient coverage you need. Hence, opting for comprehensive car insurance will let you enjoy your rides with complete peace of mind. 

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