If you’re an Ertiga superfan, you’re probably wondering “What is the mileage of Ertiga”? Well, buckle up as we take you on a journey to explore the efficiency of this versatile ride. Whether you're a seasoned car enthusiast or a family-oriented driver, get ready to delve into the nitty-gritty of the Maruti Ertiga's mileage performance.

Mileage of the Maruti Ertiga        

If you are wondering “What is the average of Ertiga?” we’ve covered everything you need to know about the mileage of the Maruti Ertiga below:

• The duo of engine options

The Maruti Ertiga greets you with two engine choices – a spirited 1.5-liter petrol engine and a diesel counterpart of the same size. Interestingly, the city and highway efficiency dynamics vary for these two. The petrol engine shines in urban landscapes, while the diesel engine boasts better efficiency on the open road.

• Petrol precision

The official mileage figures for the Maruti Ertiga petrol are noteworthy. The manual variant flaunts an impressive 20.3 km/hr, while the automatic variant is equally commendable with 20.51 km/hr.

• Diesel efficiency

The diesel variant of the Ertiga doesn't fall short in the efficiency department either, showcasing an official mileage of 25.47 km/hr for the manual variant.

• Variables at play

Keep in mind that the actual mileage of your Ertiga is influenced by a medley of factors, ranging from your driving style to the condition of the road you traverse, not to forget the weight your vehicle carries.

• City versus highway

As a general yardstick, you can anticipate the Maruti Ertiga delivering around 18-20 km/hr within city limits and a promising 22-24 km/hr on highways. However, bear in mind that these figures aren't set in stone.

• Real-world experiences

In the realm of real-world experiences, Ertiga owners share varied mileage accounts. Some revel in surpassing these estimates, while others might find their mileage slightly deviating.

Get ready to uncover the mileage prowess of the Mahindra XUV 700! In just a few lines, we're delving into the efficiency story behind this remarkable vehicle. Whether you're a driving enthusiast or someone who values economical rides, join us as we delve into the numbers that define the XUV 700's impressive mileage performance.

Mileage of the Mahindra XUV 700        

You can explore the Mahindra XUV 700 mileage through our comprehensive breakdown, listed below:

• Engine duo

The Mahindra XUV700 presents a choice between two dynamic engines – a sprightly 2.0-liter turbo-petrol and a robust 2.2-liter diesel. This engine duo underscores the XUV700's versatility, adapting to diverse driving demands.

• Urban and highway proficiency

It adds a layer of adaptability; the XUV700's petrol engine thrives in cityscapes, while the diesel counterpart thrives on open highways, showcasing superior fuel efficiency.

• Official ARAI mileage figures

The XUV700's official ARAI-certified mileage figures provide insight into its efficiency capabilities. The petrol engine excels with an ARAI-certified mileage of 16 km/hr for the manual variant and 15 km/hr for the automatic version. On the other hand, the diesel variant takes the lead, boasting an ARAI-certified mileage of 17.5 km/hr for the manual option and 16.8 km/hr for the automatic counterpart. These figures illuminate the XUV700's diverse efficiency capabilities across its engine choices.

• Influences that shape real-world mileage

Recognize that real-world mileage isn't cast in stone. It's influenced by factors beyond numbers, including your driving style, the conditions of the road, and the payload your XUV700 carries.

• Guiding averages for city and highway

As a rule of thumb, expect the XUV700 to deliver around 14-16 km/hr within city limits, embracing congested streets. The XUV700's efficiency shines even brighter on highways, promising a promising 16-18 km/hr.

• Real-world insights from owners

While these ARAI figures provide a solid reference point, individual experiences may differ. Some owners may find their XUV700 exceeding the estimated figures, while others might witness a slight variance.

General insurers after bargaining with hospitals for reducing charges, turned their back towards the auto industry. It is known that the general insurance sector pays for most of the repairs hence they turned towards the auto industry to bring down the cost of repairs. Surprisingly, the auto companies reverted positively and accepted the cut off in repair costs.

The recent times it has been noticed that companies negotiate with the auto companies manufacturers. Apart from sharing of claims data with various insurance companies, they are also the ones recommending changes in the processes, which may include anti-theft devices to dent removing equipment. In all this hustle and bustle, it has been a big task to include big companies like Maruti and Honda into the plan for supplying parts to bring down the cost drastically.

It isn't new to see consumers face bitter resentment on having claims rejected or on realising that the insurance cover opted for is inadequate to meet their crisis requirement. Such scenarios arise mostly when it is too late for any corrective action. This harbours negative feelings of distrust towards the insurance provider.

What needs to be realised is that the insurance company is merely following the details mentioned in the claim policy, which the insured had willingly signed. To foster mutual trust and better understanding, it is extremely important to know how to read your policy wordings before accepting the deal.

Here are a few such clauses that are instrumental in shaping your motor insurance policy. These have been simplified to help you make an informed decision:

1. Damage To The Vehicle Insured

While reading your policy, pay special attention to the items mentioned in this list. The insurance company will only compensate you if your vehicle entails a loss or is damaged due to the conditions mentioned under this section.

2. IDV (Insured Declared Value)

The sum insured depends on your Insured's Declared Value (IDV). This is simply calculated by deducting depreciation from the manufacturer's sale price. The depreciation rates are fixed by the Insurance Regulatory and Development Authority of India (IRDAI). As your vehicle ages, the sum insured is reduced due to its depreciation.

3. Liability To Third Parties

Third party liability cover is a statutory requirement under the Motor Vehicles Act. It safeguards the interest of the third party that might be affected due to an accident caused by you. In such a scenario, the insurance company will compensate for the loss caused by the insured vehicle. Third party covers do not compensate the driver-owner for damages to the insured vehicle.

Around 10-15% of the claims settled in terms of motor and health insurance are frauds. This has led general insurance companies to come together and identify the breeding grounds and patterns of frauds. To this effect, the association of non-life insurers, known as General Insurance Council (GIC) has hired the services of US-based data analytics firm LexisNexis Risk Solutions.

The data analytics firm is doing a study that will take into consideration the premium and claims data of policyholders, and also other stakeholders such as motor garages, diagnostics, pharmacies, laboratories and hospitals. This study is a pilot project that entails insurers submitting their last two year’s data pertaining to health and motor insurance policies, along with claims.

So far, 10 insurance companies have submitted data. The first set of data comprises of 75 million motor insurance policies, 10 million health insurance policies and 8 million motor insurance claims. The fraud study aims to identify fraud cases based on 100 data elements.

Giving more details on the initiative, R Chandrasekaran, secretary general of GIC said that they are using a two-pronged approach to combat frauds. They have created a fraud risk-mitigation portal for all insurers, in which each member is required to enter identified and suspected cases of fraud.

The portal has categorized fraudsters as insured individuals, agents, surveyors, garages and hospitals among others. So far, this information sharing from insurers has helped insurers identify some fraudsters, with 15,000 cases reported annually.

*Source: mydigitalfc.com

Also Read:

55% Households In India Don’t Seek Healthcare From Public Sector, Says Survey
Disease-specific Insurance Plans Becomes Popular In Hyderabad

Nearly 1.5% of road accidents are caused by bad roads. Every minute a traffic-related death occurs in India. Approximately 377 people die every day, costing the country an annual loss at approximately 3% of GDP. 

India accounts for 15% of all road accidents in the world. Considering the dismal number of deaths caused by road accidents every year, the World Health Organisation (WHO) has cited the need for national governments to take proactive measures. According to their reports, if appropriate action is not taken, annual road traffic deaths are predicted to reach around 2 million by 2020.

Read on to learn how road conditions contribute to the safety of motorists as much as individual alertness does.

What are the causes of road accidents in India?

1. Roads and Maintenance

Globally, India is at the 90^th rank in road quality and safety. The number of road accidents has been increasing steadily at the rate of 10-15% during the past decade. There seems to be a serious gap in road safety standards and systems.

The situation worsens during monsoons when roads deteriorate and the number of accidents increases sharply. The pothole-riddled roads become asphalt graveyards especially for motorists during the monsoon, and maximum accidents occur hile motorists dodge potholes.

According to experts, many road accidents go unregistered and the actual figures of casualties could be much higher than 10,000 per year.

2. Non-adherence to Road Laws

Roads are a country's lifeline. Every day millions of people commute along a broad network of over 33 lakh km stretch of Indian roadways.

WHO studies highlight how only 15% of all countries in the world have comprehensive laws in relation to five key risks - speeding, drinking and driving, non-use of helmets and seat belts, and child restraints.

3. Haste Is Waste

To err is human but to ignore is immaturity. Unfortunately, the large numbers of accidents caused on Indian roads are owing to negligent driving practices.

Reckless driving, not following traffic signals, driving under the influence of alcohol, talking on the phone while driving, and not stopping for pedestrians to cross the road are commonplace, and result in fatalities.

Even now, a large number of motorists neglect personal safety measures while driving/riding - wearing the seatbelt, helmet, turning on headlamps of the vehicle when travelling at night or in poor visibility conditions.

It is imperative for each of us to understand that safety is each one's responsibility. Caution and good presence of mind during long road trips, or when taking a turn around a corner, or even while crossing the road, can be the difference between life and death.

How to prevent road accidents in India

As per the law, traffic offenders must be immediately reported to the police and strict action must be taken against them. This will not only instil alertness among other motorists but dissuade the offender from indulging in rash and negligent practices.

The following steps can be taken to prevent road accidents in India-

• A responsible mechanism to monitor road conditions regularly, and enforce safety standards
• Sensitising police, traffic officials, government authorities regarding the menacing conditions posed by potholes and poor roads
• Placing accountability of accidents on civic authorities, engineers, and bureaucrats responsible for road construction and maintenance
• Government responsiveness and strict code of conduct for responsible authorities

Conclusion

Accidents may lead to severe physical damage that might even leave individuals incapacitated for life. Family and loved ones suffer grief and loss in the aftermath of accidents and are subject to considerable economic loss. While preventing accidents may not be within our control, one can cushion the impact of the unavoidable financial loss they cause. Opting for comprehensive four-wheeler insurance provides financial coverage against various uncertainties. Additionally, considering zero depreciation car insurance ensures that you receive the full claim amount without depreciation deductions, offering complete peace of mind. By combining responsible driving habits with robust insurance coverage, we can collectively work towards reducing road accidents and their associated impacts in India.

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 26 Dec 2025

When you buy a new car, it usually comes with two keys. While this might seem like a simple convenience, it plays an important role when it comes to insurance claims. In cases of theft, insurance companies often ask for both keys before approving a claim, and failing to present them may lead to claim rejection. Understanding the role of car keys in comprehensive car insurance claims can help you avoid unnecessary stress and ensure a smoother claim process.

Why insurance companies ask for both keys

Car insurance is designed to protect you against genuine risks such as theft, but it does not cover losses caused by carelessness. This is where car keys become important in a claim. When both keys are provided, it reassures the insurer that the theft did not happen because of the owner’s negligence. It also shows that the claim is being made in good faith, without any intention to mislead the company.

Is it legally mandatory to submit both keys?

It is not always legally mandatory to submit both car keys, but most insurance companies and lenders expect it. If you lose one key, you should inform them. Not being able to present both keys may affect your claim, so always check your policy or agreement first.

Scenarios where car keys matter in insurance claims

If your car is stolen with the keys left inside, insurers may reject the claim. Lost or misplaced keys can also affect coverage. Always keep your keys safe, as insurers check how responsibly they were handled during the incident.

What if you’ve lost one car key?

First, file an FIR at the closest police station to show that the loss was not due to carelessness. Then, inform your insurance company or agent right away. If your car is safe but locked, have it towed to a secure place instead of trying to open it yourself, since forcing it could create problems with your claim.

How to protect yourself from claim rejection due to missing keys

To avoid claim rejection from missing keys:

• Keep a spare key.
• Add key protection coverage to your policy.
• Store keys securely and consider a Bluetooth tracker.

Common myths about car keys and insurance claims

Many people believe that losing a car key automatically voids insurance or that any key replacement is fully covered. In reality, coverage depends on your policy. Some policies require proof of theft or charge a deductible.

IRDAI guidelines on car insurance claim & keys

The Insurance Regulatory and Development Authority of India (IRDAI) has not fixed any rule which states that both vehicle keys are required to be submitted for getting compensation if the vehicle is stolen. Some insurance companies, however, ask for both keys while processing such claims.

Conclusion

Insurance companies usually ask for both keys in theft cases to confirm there was no negligence. To avoid confusion, always read your policy terms carefully and keep your insurer informed if you lose a key. This way, you will know exactly what is required and can make a smooth claim without unexpected issues. Always buy good car insurance online, or you can also fill out the form on this page, and our experts will help you with the plan that fits your needs.

FAQs

• Is it necessary to submit both car keys for an insurance claim?

Although not always legally required, insurers usually ask for both car keys during a theft claim to confirm there was no negligence or fraud.

• What happens if I have only one key during a claim?

Losing a key can risk claim denial. To protect yourself, file an FIR, inform your insurer immediately and get a replacement key.

• Does this key rule apply to all insurers?

No, rules vary between companies. Always check your policy or call your insurer to know if both keys are needed.

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.

Here are some answers to help understand better how cashless motor-insurance saves time and effort in our fast-paced lives:

What is cashless motor insurance?

Cashless motor insurance allows the insured access to garages where they do not have to pay upfront for the damages covered by insurance. The insurer settles the claim on the owner's behalf.

How do I avail cashless garage facility?

While buying a comprehensive car insurance policy for your new car, check if the insurer offers cashless garage facility. Used car owners too can avail this service. However, the insurer's discretion is applicable when extending this service to used cars.

What if I am unable to avail the services of a cashless garage?

There could be times when authorized network garages maybe out of reach and you have to avail the services nearest to you. In this case, you can get the damages fixed and get a service bill for the same. The insurer will then reimburse you for damages that are covered by your policy.

Do I have to contribute towards any damages or will the company pay the entire claim?

You are required to pay the deductibles as agreed to in your insurance contract. Deductible is the amount you have to pay out-of-pocket towards a claim before the insurance company pays the rest. Also called excess, this percentage is usually defined by the insurer when you purchase insurance.

However, most insurers will allow you to increase your excess to reduce your premium.

Will the insurer pay entirely for the incurred loss?

The insurer will pay for damages minus the excesses as agreed to in the contract.

The immense focus on Electric Vehicles (EVs) by the Indian government has led to EVs gaining popularity in India.

Electric Vehicles offer lower running costs. But that is not all of the benefits of electric vehicles.

In this post, we will understand the electric vehicles advantages in India. We will decipher the benefits of electric vehicles from a cost perspective. We will also figure out how they are environmentally friendly and future-proof, which might impact car insurance positively.

Benefits of EVs in India

Let us discuss the advantages of EVs in detail:

Low Cost Usage

• One of the primary advantages of electric cars in India is the significantly lower cost of usage compared to internal combustion engine (ICE) vehicles.
• As EVs have no need for petrol or diesel, you can save on fuel expenses.
• The cost of charging an EV is also lower.
• With the government’s focus on renewable energy sources like solar power, further cost reduction is possible.

Affordable Maintenance

• Electric vehicles are simpler in design. They have lesser moving parts as compared to ICE vehicles.
• Lower moving parts result in lesser maintenance costs over the EV’s lifetime.
• With fewer components subject to wear and tear, EV owners can expect

• • reduced servicing expenses, and
  • longer-lasting components

Tax and Financial Perks

• The Government of India is actively promoting the adoption of EVs. These efforts include policies like:

• • FAME-II
  • PLI Scheme
  • Battery Swapping Policy
  • Special Electric Mobility Zone
  • Tax Reduction on EVs

• This has resulted in benefits like

• • Reduced registration fees
  • Lower road taxes on EV purchases

SUVs have surged in popularity in the Indian market as an appealing substitute for hatchbacks, sedans, and MPVs. They are renowned for their features that provide added comfort and convenience. SUVs come priced at a higher range compared to other cars. The price tag is one good reason to invest in a comprehensive car insurance policy while purchasing your vehicle. From potential thefts to unfortunate repairs, it keeps you financially secure.

Catalogue of Upcoming SUVs in India

• Mercedes-Benz EQA
• Tata Harrier
• Volkswagen Tiguan Allspace
• Maruti Jimny
• KIA Seltos
• Jeep Grand Cherokee
• Mahindra Bolero Neo Plus
• Skoda Enyaq iV
• Hyundai Kona Electric
• Hyundai ALCAZAR

Mercedes-Benz EQA | Expected Launch Date: March 2023

• Mercedes-Benz has unveiled this upcoming SUV in India 2023, its latest addition to its electric SUV line-up.
• The launch in India is anticipated with an estimated price of around Rs 60 lakh.
• The EQA has a 66.5kWh battery pack and delivers a range of 426 km.
• The vehicle allows up to 80% charge in 30 minutes.
• Features include LED headlamps and a dual-screen setup with up to 10.25-inch display.
• Safety provisions typically include Active Distance Assist, Active Steer Assist, Evasive Steering Assist, and Active Blindspot Monitoring.

Tata Harrier | Expected Launch Date: March 2023

• This is one of the upcoming SUV cars in India 2023, with a uniform price increase of Rs 20,000 across its range.
• This midsize SUV by Tata is available at Rs 15.20 lakh to Rs 24.27 lakh.
• The vehicle accommodates five passengers and gets powered by a 2-litre diesel engine.
• The fuel efficiency ratings stand at 16.35 kmpl for Diesel MT and 14.6 kmpl for Diesel AT.
• Feature highlights include a panoramic sunroof and rain-sensing wipers.
• Safety features comprise up to six airbags and blind spot detection.

Volkswagen Tiguan Allspace | Expected Launch Date: April 2023

• This is one of the upcoming SUV cars in India introduced in the Indian market featuring a BS6 phase II compliant engine.
• The price for the model currently stands at Rs 34.69 lakh.
• With a seating capacity for up to five passengers, the SUV is powered by a 2-litre turbo-petrol engine.
• Notable features of the Tiguan include a panoramic sunroof and a power-adjustable driver’s seat.
• Safety measures include six airbags and park assist.

Maruti Jimny | Expected Launch Date: May 2023

• Suzuki is set to launch one of the best models of upcoming SUVs in India as an off-road lifestyle vehicle.
• It is available in two main variants: Zeta and Alpha. It comes in dual-tone and monotone colours.
• With a seating capacity for four passengers, the Jimny boasts a ground clearance of 210mm and offers a 208-litre boot space. The boot space is typically expandable to 332 litres when you manually fold the rear seats.
• Feature-wise, the Jimny boasts cruise control and automatic climate control.
• Safety measures include six airbags and a rearview camera.

KIA Seltos | Expected Launch Date: May 2023

• As one of the most anticipated upcoming SUVs in India 2023, Kia Seltos ranges from Rs 10.89 lakh to Rs 19.99 lakh.
• The 2023 Seltos offers a 5-seater layout and a choice of three engines. This includes a 1.5-litre petrol, a 1.5-litre diesel, and a 1.5-litre turbo-petrol engine. These engines get paired with manual, CVT, iMT, or automatic transmissions.
• The Seltos has various colour options and boasts climate control and a panoramic sunroof.
• Advanced safety features include six airbags and adaptive cruise control.

Jeep Grand Cherokee | Expected Launch Date: May 2023

• The Jeep Grand Cherokee is one of the upcoming SUV cars in India 2023, available for Rs 78.50 lakh across India.
• The vehicle is offered in a single fully equipped Limited (O) model.
• With a seating capacity of five individuals, this fifth-generation model boasts a ground clearance of 215mm.
• A 2-litre turbo-petrol engine is powering the vehicle, coupled with an eight-speed automatic transmission.
• The fifth-gen Grand Cherokee includes a nine-speaker sound system, heads-up display, and wireless phone charging.
• Safety measures typically include eight airbags, electronic stability, and adaptive cruise control.

Mahindra Bolero Neo Plus | Expected Launch Date: May 2023

• As one of the most anticipated upcoming SUV cars in India, this model might start at around Rs 10 lakh.
• The main variants include P4, P10, and P10 (R). It will be available in both seven and nine-seater configurations.
• The vehicle will have a 120 PS, 2.2-litre diesel engine and a potential 6-speed manual transmission.
• Notable features encompass cruise control and an adjustable driver’s seat.
• Safety features likely consist of dual front airbags and rear parking sensors.

Engines have long been the heart and soul of automobiles, propelling vehicles forward with their power and efficiency. In recent years, a remarkable advancement in engine technology has taken centre stage – the turbo engine. So, what is turbo engine in cars? We will look into the details so that you get a clear answer.

With its ability to deliver impressive performance and improved fuel efficiency, the turbo engine has become a driving force behind modern car designs. But what exactly does a turbo engine mean, or what is turbo in a car, and how does it work? Let’s find out.

What is a turbo engine in a car?

A turbo engine, also called a turbocharged engine, is a type of internal combustion engine found in cars. It utilises a turbine-driven forced induction system to increase the engine’s power and efficiency. The system works by forcing more air into the engine's cylinders, allowing it to burn more fuel and produce more power. This offers improved fuel economy and performance than a naturally aspirated engine.

How does a turbo engine work?

Now that you know what is turbocharger in cars, let’s understand its mechanics. To understand the mechanism of a turbo engine in a better way, go over the following pointers.

• A turbo engine consists of a compressor wheel and a turbine wheel connected by a shaft. These components are seen within a snail-shaped housing with an exhaust and inlet ports.
• The inlet port allows the exhaust gases produced by the engine to enter the turbocharger at high pressure and spin the turbine wheel. The turbine wheel, in turn, rotates the compressor wheel, which draws in a large amount of air from the outside.
• The compressor wheel compresses the air, which then expels it through the outlet port. Next, the compressed air flows into the cylinders through a pipe, where it combines with the fuel, resulting in a more potent explosion within the combustion chamber.
• The best thing about a turbocharger is that it does not require additional engine power to run. Instead, it uses the engine’s exhaust gases that would otherwise go to waste. This way, it improves the performance and efficiency of the engine without increasing fuel consumption.
• Since the turbocharger works at incredibly high pressure and generates high temperatures, it is usually accompanied by an intercooler. The intercooler functions as a device to cool the compressed air before it reaches the cylinders. This crucial step helps prevent engine overheating and minimises the potential for engine knocking.

Advantages and disadvantages of a turbo engine

Turbo engines have their own set of pros and cons. Let’s look at them in the following table.

Are you on an exciting journey of buying a brand new car? It's a significant investment, right up there with purchasing a house. But unlike a house, a car is a depreciating asset. Buying a car goes beyond the desire for comfort and convenience. A car often reflects your social and financial standing. However, it's important to remember that there are other expenses to consider along with the car's cost. Determining a budget that aligns with your financial health and long-term goals is crucial. Let's dive into the key considerations when calculating your new car budget in India.

Things to consider when calculating your budget for a new car

When calculating your budget for a new car, several crucial factors must be considered. Consider the following factors to calculate car budget, including:

Thumb rule: Set a reasonable budget

If you are wondering about "what car can I afford based on salary?" follow this thumb rule. A fundamental thumb rule to abide by when determining your budget for a new car is to avoid allocating more than half of your annual income to this purchase. This pragmatic guideline ensures a balanced approach to car affordability while safeguarding your overall financial stability.    

So, if you’re wondering “how do I know if I can afford a car?”, consider an illustrative scenario: if your annual income stands at ₹10 Lakhs, a reasonable budget would entail earmarking around ₹5 Lakhs for the car's cost. However, it's crucial to emphasise that this thumb rule doesn't solely encompass the car's ex-showroom price. Instead, it extends to the on-road price, which includes expenses like road tax, registration charges, and car insurance premiums. This comprehensive car insurance view provides a more accurate reflection of the actual costs of acquiring the vehicle.

When opting for a car loan, the thumb rule extends further to encompass the 20/4/10 principle. It entails initiating the purchase with a down payment of 20% of the car's price. Subsequently, securing a loan tenure within four years is recommended to avoid prolonged interest payment durations. Additionally, ensuring that your car-related expenses, including EMIs and car insurance, collectively remain within 10% of your monthly salary underpins prudent financial management.

Choose between new or old.   

Consider your needs rather than just your wants. If budget constraints come into play, don't overlook the option of a used car. Used cars can be up to 30% - 40% cheaper, depending on their age and condition. However, remember to account for potential maintenance costs and steer clear of vehicles older than five years.

Buying the right size   

Choose a car size that suits your family's needs and lifestyle. A hatchback or sedan might be ideal for a family of four, while a Multi Utility Vehicle (MUV) could be a better fit for larger families. Opting for a smaller model, when possible, can lead to cost savings.

Avoid negative compounding

Eligibility for a loan doesn't necessarily equate to affordability. Going beyond your budget can lead to negative compounding – the more you borrow, the higher your interest payments. Be cautious not to be lured into a larger loan than you can comfortably manage.

Contemplate maintenance costs

Remember, owning a car means ongoing expenses. Consider factors like insurance premiums, maintenance, fuel, and service costs. Over time, these seemingly minor expenses can accumulate and impact your financial well-being. Scrutinise the car's technical specifications, such as transmission modes and fuel types, to ensure they align with your budget.

More savings than EMI

Your car's Equated Monthly Instalments (EMIs) should not consume more than 10% of your savings. Ensure you're setting aside more funds than you allocate toward your car payments. If your EMIs exceed this threshold, consider postponing your purchase until your financial situation strengthens.

Types of spenders and new car budgeting advice

• Your approach to budgeting will also depend on the type of spender you are. Let us explore three common types:
• The practical buyer: If you are financially conservative and prefer low-risk options, choose a reliable and fuel-efficient car that fits within 40–50% of your annual income. Look for long-term value, low maintenance and affordable comprehensive car insurance.
• The aspirational buyer: If you dream of owning a premium car but do not want to strain your finances, consider purchasing a second-hand luxury car or using a larger down payment to reduce EMIs. Always factor in the higher insurance premiums that come with such vehicles.
• The impulsive buyer: If you tend to splurge, it is important to set strict financial boundaries. Avoid high EMIs that could affect your lifestyle or savings. Consider pre-owned options and research extensively before buying. Ask for a detailed quote on car insurance beforehand, which will help prevent surprise costs later.

How to calculate the budget for your car?   

When wondering “how to know if I can afford a car”, you must learn the basic steps to calculate the car's budget. Calculating your car budget entails several essential steps:

Check the on-road price

Before finalising your car budget, thoroughly examine the on-road price. This comprehensive figure includes the car's base cost and additional expenses like taxes, registration fees, and car insurance. Understanding the on-road price gives you a clearer picture of the overall investment required for your chosen vehicle.

Consider the monthly payments.

Calculate the monthly payments, including EMIs (Equated Monthly Instalments), and you'll need to allocate this for your car purchase accordingly. This step is crucial if you're opting for a car loan. Ensuring that the monthly payments fit comfortably within your financial capacity is essential.

Access your down payment.

Determine the amount you can allocate as a down payment for the car. You should know that a higher down payment lowers the loan amount, leading to lower monthly payments. Assessing your down payment capability helps you tailor your car budget to suit your financial situation.

Check the exchange value of your current vehicle, if any.

If you're replacing an existing vehicle, evaluate its exchange value. A good resale value for your old vehicle can significantly impact your new car's cost, potentially reducing your overall expenditure.

Consider your total debt.

Take a complete view of your existing financial commitments and debts. Assess whether adding a car loan to your financial portfolio is feasible. Carefully consider your total debt to ensure the new car purchase aligns with your financial stability.

Conclusion

In the exhilarating pursuit of a new car, prudent budgeting is vital. Consider a balanced approach, adhering to a rule of not exceeding half your annual income for the car's cost, including on-road expenses. Opt for practicality between new and used cars, accounting for maintenance costs. Evaluate size, savings-to-EMI ratio, down payment, exchange value, and total debt. Remember, car insurance safeguards your investment, so choose one wisely. With these principles, embark on your car journey confidently and financially prepared.

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.

In recent years, there has been a significant increase in the popularity of luxury cars among people in India. This is mainly because the country's economy has been multiplying, and many people now want to showcase their wealth and status by owning extravagant vehicles.

As more and more people become wealthy, they are looking for high-end cars that are not only elegant but also offer top-notch performance and the latest technology. You can find many luxury cars, including posh sedans, powerful SUVs, and stylish sports cars. Let's look at the list of top luxury cars in India.

List of Best Luxury Cars in India 2023

1. Mercedes-Benz S-Class

The Mercedes-Benz S-Class is one of the world's most luxurious and advanced sedans. It offers a blend of comfort, performance, safety, and technology unmatched by any other car. The Mercedes-Benz S-Class is currently available in three variants: the S350d, S400d 4Matic, and the S450 4Matic (Petrol). It is available in five colours– Designo Diamond White Bright, Onyx Black, Nautic Blue, High Tech Silver, and Graphite Grey.

Other features:

The S350d has a 3.0-litre diesel engine that produces 281.61bhp@3400-4600bhp of power and 600Nm@1200-3200rpm of torque.
In terms of entertainment, it has a 12.8-inch MBUX touchscreen infotainment system with Android Auto and Apple CarPlay, a Burmester 4D sound system.
Its safety features include ten airbags, active parking assist, a 360-degree camera, pedestrian protection, and lane-keep assist.

2. Land Rover Range Rover

The Land Rover Range Rover gets classified as a premium SUV. Among the best luxury cars in India, this vehicle gets noted for its luxury, off-road capability, and advanced technology. The Land Rover Range Rover is available in 50 variants, with engine options ranging from 2996 cc to 4395 cc and a choice of 1 transmission: Automatic. It comes in four broad trims: SE, HSE, Autobiography, and First Edition. It also has two wheelbases and three seating options on offer. Some noteworthy features of this car are:

It has a 13.1-inch curved MBUX touchscreen infotainment system along with Android Auto & Apple CarPlay and a Burmester 4D sound system.
It also features four-zone climate control, 64-colour ambient lighting, two wireless phone chargers, rear-seat entertainment screens, a massage function, air suspension, and a panoramic sunroof.
Its safety features include six airbags, active parking assist, a 360-degree camera, pedestrian protection, lane-keep assist, and a tyre pressure monitoring system.

3. BMW X7

The BMW X7 is the ultimate SUV for those who want to experience the best of both worlds: luxury and adventure. It is a car that can take you anywhere with style and confidence. It is available in two variants: the xDrive40i M Sport and the xDrive40d M Sport. The xDrive40i M Sport gets powered by a 3.0-litre six-cylinder petrol engine with 48V mild-hybrid technology that produces 375.48bhp@5200-6250 of power and 520Nm@1850-5000rpm of torque. The xDrive40d M Sport gets powered by a 3.0-litre six-cylinder diesel engine that produces 335.25bhp@4400rpm of power and a torque of 700Nm@1750-2250rpm. Both engines come equipped with an 8-speed automatic transmission and feature BMW's xDrive all-wheel drive system.

Other features include the following:

It has a 14.9-inch curved MBUX touchscreen infotainment system and a 16-speaker Harman Kardon surround sound system.
BMW X7 is available in four colours: Alpine White, Black Sapphire Metallic, Phytonic Blue Metallic, and Mineral White Metallic.
It also has an instrument cluster of 12.3-inch digital, iDrive Controller, widescreen curved display, hands-free tailgate, 5-zone remote climate control, and many more.

4. Toyota Vellfire

The Toyota Vellfire is a premium MPV. It has two variants, namely Hi and VIP Executive Lounge. It has a 2.5-litre petrol-hybrid engine that produces 115.32bhp@4700rpm of power and a torque of 198Nm@2800-4000rpm. The engine has a CVT gearbox and an e-Four all-wheel drive system. Other features of this car are:

a 13.9-inch monitor for rear entertainment and a 15-speaker JBL sound system.
14-colour ambient lighting, a dual-panel sunroof, a heads-up display, and power-operated sliding doors.
The Toyota Vellfire safety features include seven airbags, ABS with EBD and brake assist, vehicle stability control, blind spot monitor, and more.

If you’re a proud owner of a vehicle, chances are that you might be looking for an insurance cover to safeguard your prized possession. But first, you must know about the different types of insurance coverage available to understand what’s in it for you.

Motor insurance generally encompasses various motor vehicles like motorcycles, cars, and commercial vehicles. This insurance is crucial for personal and public safety. Motor insurance extends beyond the vehicle itself. To delve into its specifics, let's explore the types of motor insurance and their coverage. Generally, the classification gets based on two factors: the vehicle type that’s insured and the desired coverage extent. By understanding the various aspects of motor insurance, you can ensure your protection and the well-being of others on the road.

Types of Motor Vehicle Insurance

Different types of motor vehicle insurance offer various coverage options. The following are some of the most popular types of motor insurance policies in India.

Private Car Insurance

Car Insurance provides financial protection for personally used vehicles. It safeguards cars and owners from accidents, theft, fires, and natural calamities. It also covers third-party liabilities, including injuries, fatalities, or property damage from accidents involving the insured car. While third-party liability coverage is obligatory by Motor Vehicle Act in India, having own damage insurance is good for its comprehensive coverage. However, it excludes damages from breakdowns, invalid licenses, drunk driving, wear and tear, and incidents outside the specified area or due to commercial use.

Policyholders can enhance coverage with optional add-ons like zero depreciation, engine assistance, loss of belongings, return to invoice, and consumables cover. Factors like budget, coverage needs, vehicle age, and type play a significant role in this type of car insurance.

To file a Private Car insurance claim, contact your agent, dial the toll-free number, or complete online forms provided by your insurance service provider. Ensure you possess essential details like incident date and time, policy number, and contact information. 

Two-wheeler Insurance

A two-wheeler policy is mandatory and covers third-party liabilities and own damages. The types of motor vehicle insurance, in this case, include third-party, comprehensive, and standalone own-damage insurance. 

Third-party insurance is obligatory and covers third-party losses. Comprehensive insurance covers personal damages and third-party liabilities. Standalone own-damage insurance covers the insured vehicle.

Inclusions cover natural and man-made damage. Exclusions include driving under the influence of intoxicating substances and the absence of valid documentation. 

Commercial Vehicle Insurance

It is one of the most popular types of motor vehicle insurance that covers damage to or by commercial vehicles, protecting both parties in accidents. Business owners are mandated to insure vehicles like trucks, buses, and cabs. Key features include comprehensive coverage for public and private carriers, liability for accidents, and compensation for unexpected expenses. It also addresses third-party damage and offers personal accident coverage. Exclusions encompass wear and tear, war perils, and usage limitations. This insurance ensures business operations continue smoothly by providing financial security against adverse events.

To claim this insurance, promptly inform the insurer and provide essential details like time, location, and incident description. Required documents for claiming your insurance include vehicle registration, driving license, claim form, FIR copy, tax receipt, Aadhar card, fitness certificate, policy papers, and route permit.

Conclusion

Various types of motor vehicle insurance play a vital role in ensuring personal and public safety on the roads. For example, private car insurance, while not obligatory, offers extensive security against various damages and liabilities, enhancing peace of mind. By understanding the nuances of the different types of motor insurance policies and choosing the right coverage, you can secure your well-being and contribute to safer road experiences for everyone. Remember to choose a policy based on your budget and usage.

Have you ever wondered how cars and other vehicles smoothly glide over bumpy roads without rattling everyone inside? Well, the secret lies in their suspension systems! In India, different types of suspension systems play a vital role in ensuring a comfortable and safe ride. But what exactly are these suspension systems, and how do they work? Let’s find out.

What are the different types of suspension systems in India?

1. Leaf Spring Suspension 

It is a simple form of suspension that uses several metal strips, called leaves, stacked on each other to absorb shocks and vibrations from the road. It gets commonly used for heavy vehicles like trucks and buses, but some cars in India also have leaf spring suspension, especially in the rear axle. 

2. Trailing Arm Suspension

It is a type of independent rear suspension system for cars that uses a large, horizontal arm to connect the wheel hub to the vehicle frame. The arm pivots at one point, ahead of the wheel, and allows the wheel to move up and down with the road surface. 

3. Non-Independent Suspension

This vehicle suspension connects both wheels on the same axle with a solid beam or bar. This means the other wheel tilts slightly when one wheel moves up or down due to a bump or pothole. It is suitable for handling heavy loads and navigating challenging roads.

4. Independent Suspension

This type of vehicle suspension entails an enhanced damping effect. There is no link between the movement of the right and left wheels, which allows the vehicle to move independently. The structure is a bit complex as the layout of dampers and springs differs considerably with distinct categories of independent suspensions.

5. Double Wishbone Suspension

It is a type of suspension where the wheels get mounted on two arms, usually of unequal length, along with a coil spring and shock absorber. It is used in sports cars and luxury cars, as well as some trucks and SUVs. It offers great handling, stability, and control at high speeds because it has a low centre of gravity and allows each wheel to react independently from the others. 

6. MacPherson Strut Suspension

It is a type of front suspension system that uses the top of a shock absorber as the upper steering pivot for the wheel. It consists of a coil spring, a shock absorber, and a control arm that connects the wheel hub to the chassis. It allows the wheel to move up and down independently of the other wheels, improving ride comfort and handling. 

7. Air Suspension

This vehicle suspension system uses airbags or bellows instead of conventional or leaf springs. It provides better ride comfort, handling, and load-carrying capacity by adjusting the air pressure in the airbags according to the road conditions and vehicle load.

8. Multi-Link Suspension

It is a type of independent suspension that uses multiple linkages to control the movement and alignment of the wheels. It offers better handling and ride comfort than non-independent suspension, as it can isolate the effects of bumps and corners on each wheel. Multi-link suspension is also more adaptable and adjustable, as it allows fine-tuning of the suspension geometry and characteristics.

How does a car suspension system work?

A car suspension system comprises springs that can retain the kinetic energy produced by friction when the vehicle moves on a rough road at high speeds. Subsequently, this stored energy gets transferred to the dampers, where it converts into heat energy. 

The fluid within the dampers efficiently disperses this energy, preventing overheating issues. As a result of the coordinated action between springs and dampers, you can experience optimal safety and comfort during your ride. Even though suspension offers enough stability control, buying car insurance is recommended to overcome any financial challenges arising from a road mishap.

When purchasing motor insurance, the primary focus is the insurer’s claim process. We examine various factors, such as the claim settlement ratio, the availability of network garages for cashless claims, the necessary documents, and more. However, amidst all these considerations, we often neglect the crucial aspect of understanding how to track the status of our claims. Suppose you are currently an ICICI Lombard customer and have recently filed a claim for accident-related repairs, theft, or any other reason. In that case, this guide will provide you with assistance on how to monitor their progress effectively.

Initiating a claim on car insurance online involves several key steps:

1. Inform Your Insurer Immediately: Contact your insurance company immediately after the incident. Prompt notification is crucial for a smooth claim process.
2. File a Police Report if Necessary: For incidents like theft, vandalism, or significant accidents, lodging a First Information Report (FIR) with the police is mandatory.
3. Document the Incident: Gather evidence by taking photos of the damage, accurately noting the time and location,and collecting contact information of any witnesses.
4. Submit the Claim Form: Fill up the claim form provided by your insurer, making sure all details are accurate and complete.
5. Vehicle Inspection: Your insurer may arrange for a surveyor to assess the damage before repairs commence.
6. Repair and Settlement: Once approved, you can proceed with repairs. Depending on your policy, the insurer may offer cashless repairs at network garages or reimburse you based on the bills submitted.

Details and documents for motor insurance claims

Having the correct documentation is vital for a hassle-free claim process. Typically, you will need:

• Duly Filled Claim Form: Accurately completed with all necessary details.
• Copy of the Vehicle's Registration Certificate (RC): To verify ownership and vehicle details.
• Driver's License Copy: Proof that the driver was legally permitted to operate the vehicle at the time of the incident.
• First Information Report (FIR): Required for thefts, major accidents, or third-party damages.
• Original Repair Bills and Payment Receipts: These documents are essential for reimbursement claims.
• Policy Document: Copy of your current insurance plan for reference.

Tip: If you haven't filed a claim in the past year, you may be eligible for a no claim bonus in car insurance, which can help reduce your policy renewal premium.

Do's and don'ts for registering a motor insurance claim

Following to these guidelines can significantly improve the chances of a successful claim- 

Do's:

• Notify Your Insurer Promptly: Delays can lead to complications or even claim denial.
• Read Your Policy Thoroughly: Understand the coverage, exclusions, and claim procedures specific to your policy.
• Keep Copies of All Documents: Keep copies of all submitted documents for your records.

Don'ts:

• Avoid Unauthorised Repairs: Don't start repairs without the insurer's approval, as this may lead to claim rejection.
• Don't Misrepresent Facts: Always provide accurate information; discrepancies can result in claim denial.
• Don't Neglect Policy Renewals: Ensure your policy is active to avoid complications during claims.

How to track your motor insurance claim online

We have several ways to track your motor insurance claims. Below are the lists.

Through Website

• Visit our official website.
• Tap on 'Claims' under the dashboard.
• Choose 'Motor Claims.'
• Click on 'Check claim status and upload documents.'
• Enter the registered mobile number and input OTP.
• Your claim status will get displayed on your screen.

 Through ILTakeCare App

• Get this app from PlayStore or AppStore.
• If you use this app for the first time, share your name, email address, and contact number to register.
• Click 'Add Policy' to update your policy number on this app.
• Choose 'Motor Insurance', then under the 'Policy purchased by' section, click on 'Me.'
• Share policy number. If you don't remember this number, share your bike's registration and chassis numbers.
• Tap on 'Add Motor Policy.'
• Now return to the home page and click on 'Claims.'
• Select 'Policy Number.'
• Click on ‘Track Your Claim.’
• Select your claim number.
• Now, you can view the status of your claim.

Through WhatsApp

We have deployed RIA, our intelligent bot, to handle all your queries smoothly. Follow the below steps.

• Save 7738282666 in your phone book.
• Send 'Hi' on this number over WhatsApp.
• Click on 'Service Menu' and choose 'Help with Claims.'
• Tap on 'Options' and select 'Motor.'
• Again, click on 'Options' and choose 'Claim Status.'
• You can now view the exact status of your motor insurance.

It is worth noting that you should chat on WhatsApp with the number registered in your policy to get the status of your claim.

Conclusion

Understanding the process of claiming car insurance online is an important part of enjoying the insurance benefits. By following the steps mentioned in this blog, keeping the documents updated, and following the recommended practices, you can be sure to complete the claim process efficiently. Additionally, using online tools provided by insurers simplifies tracking and managing your claims.

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.  

Having a car insurance document with you is paramount, and here's why. First and foremost, it serves as proof of financial responsibility. Four-wheeler accidents can occur unexpectedly, and if you find yourself involved in one, having valid insurance coverage is crucial. Your car insurance document provides evidence that you can cover the costs associated with any damages or injuries resulting from an accident. 

Furthermore, carrying your car insurance document helps ensure compliance with legal requirements. Failing to have proof of insurance can lead to significant penalties, such as fines, license suspension, or even legal consequences.

If you have not downloaded your policy document yet and have insurance with us, the following article will guide you through the steps.

How to download a car insurance policy document?

At ICICI Lombard, we ensure prompt delivery of the soft copy of your car insurance policy directly to your registered email address. If you misplaced this vital document, we recommend searching your email inbox for our message, as it contains the policy attachment for easy retrieval and downloading. However, we have alternative options for your convenience if you cannot locate the email.

Through Website

• Go to our official website.
• Look for the 'Support' section under the dashboard.
• Choose 'Help Centre.'
• Go to the 'Online Requests' section.
• Choose 'Require policy copy.'
• Click 'Product Name' and choose your car insurance typet from the drop-down list.
• Select 'Request' under the 'Case Type.'
• Enter your policy number and provide either your contact number or birth date.
• Input alphanumeric code and tap on 'Proceed.'

Through Ria

To enhance convenience and streamline the process, we have implemented a responsive and intelligent bot named 'RIA' within our system. RIA can assist you with all your requests and queries efficiently. Connecting with RIA to download your policy document is a simple process. Here is how you can get in touch with her:

• Follow the previously mentioned steps to visit the 'Help Centre' web page.
• Tap on 'Ask Ria.'
• Click on 'Already a customer.'
• Select 'Download your policy.'
• Select and provide any of the following: Policy, contact, or vehicle numbers.
• You will now receive the soft copy of your document.

You can also connect with RIA on WhatsApp by texting 'Hi' at 7738282666. The steps required on WhatsApp are almost similar to the preceding one.

Other ways

• Call 18002666 and connect with our executive for further assistance related to policy download.
• Email us your request and mention the policy number in the mail body at customersupport@icicilombard.com
• Download ILTakeCareApp. Add your policy using the policy number and request the insurance copy from the app. 
  
  
  

Updated on - 06 Feb 2026

Losing track of your insurance documents or needing them at the last minute can be stressful, especially when you need them for claims, renewals or emergencies. ICICI Lombard makes it easy to access your health, bike, car or travel insurance policies instantly. Whether your original email is missing or you simply want a digital copy on hand, this guide shows you how to quickly retrieve and download your policy so you’re always prepared.

How to download the ICICI Lombard policy document?

Downloading your ICICI Lombard policy document is quick and hassle-free. You can access your policy anytime using multiple options, including the official website, the ILTakeCare mobile app, the RIA chatbot on the website or WhatsApp or by email to customer support.

Here is a detailed guide to all the available options-

Through Website

• Navigate to the 'Support' section under the dashboard displayed on the home page.
• Choose 'Help Centre' from the drop-down menu.
• Scroll down and find 'Online Requests.'
• Choose 'Require Policy Copy' under the 'Request policy copy' section.
• Choose product type and select 'request' as your case type.
• Click 'Next' to share your policy number and other required information under the details-2 section.
• Input the code and tap on Proceed.

Through Chatbot

• Click 'Ask RIA.'
• Select 'Already a customer.’
• Click on 'Download your policy.'
• Provide policy/mobile/UHID/vehicle number, depending on your policy type.
• After a few more requirements, you can easily access your policy document and download it.
• Our bot, RIA, is also available on WhatsApp and you can connect with her here at 7738282666.

Through ILTakeCare app:

• Open the ILTakeCare app and log in to your account.
• Tap Support on the dashboard and select Help Centre.
• Go to Online Requests and choose Request Policy Copy.
• Select your insurance product from the list.
• Enter your policy number and other required details (DOB, mobile number).
• Complete the verification and any security code prompts.
• Download the PDF copy of your policy to your device.

How do you download the ICICI Lombard health insurance policy documents?

You can easily get your ICICI Lombard health insurance policy documents by using the official website, the IL TakeCare app, the RIA chatbot or by sending an email.

Through the ICICI Lombard website

• Go to the homepage
• Click on “Support”
• Click “Help Centre”
• Go to “Online Requests”
• Choose “Require Policy Copy”
• Click on “Product Name” and choose “Health”
• Click on “Case Type” and Choose “Request”
• Enter the required details
• Type the code and choose “Proceed”

Using the IL TakeCare app

• Log in to the ILTakeCare app, go to the Policies section and select your health insurance policy. Use your policy number to add it if needed.
• Tap Download Policy Document to access and save your digital copy directly within the app.

Via the RIA chatbot

• Click on “Ask RIA” on our Help Centre
• Select “Already a Customer”
• Click on “Download Your Policy”
• Select your UHID number/policy number/mobile number
• Continue and you will get a softcopy of your health insurance policy

By sending an email

• If you can’t download online, send an email to customersupport@icicilombard.com with your policy and contact details.
• They will reply with your policy document attached.

How do you download the ICICI Lombard car insurance policy documents?

Once your third-party or comprehensive car insurance policy is issued, we ensure a digital copy is shared with you instantly. We will send you this to your registered email address for easy access. In case you are unable to find your copy, you can follow these steps to download your policy document anytime.

Through the ICICI Lombard website

• Go to “Support”
• Click on “Help Centre”
• Go to “Online Requests”
• Choose “Require Policy Copy”
• Choose “Product Name” and pick your car insurance type from the list
• Enter the policy number and provide your date of birth/ contact number
• Enter the code and click on “Proceed”

Using the IL TakeCare app

• Download the IL TakeCare app on your smartphone.
• Log in with your registered mobile number.
• Go to the Policies section, select your car insurance and download the document.

Via the RIA chatbot

• Go to the “Help Centre”
• Click on “Ask RIA”
• Choose “Already a Customer”
• Click “Download Your Policy”
• Choose and provide one of these details- contact number, date of birth or vehicle number.
• You will get a soft copy of your policy documents.
• You can also chat with RIA on WhatsApp by sending "Hi" to 7738282666.

By email

• You can also send us an email at customersupport@icicilombard.com.
• Add your policy number and registered contact details in the email.

How do you download the ICICI Lombard bike insurance policy documents?

You can download your ICICI Lombard bike insurance policy documents using the steps below.

Through the ICICI Lombard website

• Go to our website
• Click on “Support” and go to “Help Centre”
• Go to “Online Requests”
• Choose “Request Policy Copy”
• Pick your insurance type in the product section
• Enter required details such as date of birth or phone number
• Input the code and click “Proceed”

Using the IL TakeCare app

• Download the IL TakeCare app and log in with your registered mobile number.
• Go to Policies, select your bike insurance and tap Download Policy Document.

Via the RIA chatbot

• Visit Help Centre > Ask RIA on the website.
• Choose “Already a Customer”
• Click “Download your Policy”
• Choose one of the details (date of birth, registered phone number, vehicle number) and enter the details.
• Your document will be downloaded.

By email

Send a request with your policy number to customersupport@icicilombard.com from your registered email.

Through an insurance aggregator

If bought from a third-party site, log in there, find your policy under My Policies and download it.

How do you download the ICICI Lombard travel insurance policy documents?

To download the ICICI Lombard travel insurance policy documents, check out the steps below.

Through the ICICI Lombard website

• Visit our website
• Choose “Support” and click “Help Centre”
• Click on “Online Requests”
• Click on “Request Policy Copy”
• Pick your insurance type in the product section
• Enter required details such as date of birth or phone number
• Input the code and click “Proceed”

Using the IL TakeCare app

• Download and open the IL TakeCare app.
• Log in using your registered mobile number.
• Go to Policies, select your travel insurance, then tap Download Policy Document.

Via the RIA chatbot

• Visit “Help Centre”
• Choose “Ask RIA”
• Click on “Already a Customer”
• Choose “Download your Policy”
• Pick one of the details (date of birth, registered phone number, vehicle number) and put the details.
• Your document will be downloaded.

How to download ICICI Lombard policy via mobile app

To quickly access your ICICI Lombard policy on your mobile device, follow these simple steps:

1. Download the app: Install the ILTakeCare app from the Google Play Store or Apple App Store.
2. Log in: Sign in using your registered mobile number, user ID and password. Verify with an OTP if prompted.
3. Go to Policies: On the app’s dashboard, tap Policies or My Policies to view all your active policies.
4. Select your policy: Choose the policy you wish to download; health, car, bike or travel.
5. Download document: Tap Download Policy Document to save the PDF copy on your phone.

How to retrieve an ICICI Lombard insurance policy if you forgot your policy number

If you forgot your ICICI Lombard policy number, you can retrieve your policy using other details.

• You can use the RIA chatbot by providing your registered mobile or vehicle number.
• Check your email or SMS for confirmation messages containing policy info.
• For motor insurance, enter your vehicle registration number on the Help Centre’s Require Policy Copy section and verify via OTP.
• You can also call customer support at 18002666 with your ID details, or visit a branch with your ID and vehicle registration certificate to get a duplicate policy copy.

How to contact ICICI Lombard customer care for policy document support

To contact ICICI Lombard customer care for policy document support, you can use the following means.

1. Call the toll-free number 1800 2666 (24x7) or +91 40 6627 3505 for international/J&K/J&K customers.
2. Email customersupport@icicilombard.com with your policy details for assistance.
3. Chat with RIA on WhatsApp by messaging "Hi" to 7738282666 for instant help.
4. Visit the ICICI Lombard website and use the "Ask RIA" live chat or fill out an online request form in Support > Help Centre.

Conclusion

Accessing your ICICI Lombard insurance is now simple, fast and convenient. By using the app, website or chatbot, you can have your policy documents at your fingertips anytime; whether for claims, renewals or emergencies. Staying organised and informed helps you avoid last-minute stress and ensures you are always prepared.

For personalised guidance and exclusive offers, fill out the form on this page and connect with our experts today.

FAQs

1. Can I download my ICICI Lombard policy document without visiting a branch?

Yes, you can download it using the website, mobile app, WhatsApp or customer care support.

2. What details do I need to download my policy document?

You need your policy number, registered mobile number or vehicle number, depending on your policy.

3. Is a digital copy of my policy valid for claims and verification?

Yes, a digital copy is valid for claims and is accepted for all official purposes.

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.

Are you thinking about renting a car? Well, you’re not alone.

Owning a car can be expensive. The initial investment to purchase a car is high, and ongoing maintenance expenses keep increasing over time. Hence, renting a car can be a more affordable option for many people. You can rent a car for a few days or months, giving you flexibility.

But when it comes to renting a car, what about car insurance? Do you need it? The answer is yes. Having car insurance coverage is important when you’re driving a rental car.

But how does rental car insurance actually work? Why is it necessary? And what things should you consider before getting rental car insurance?

In this blog, we will understand how rental car insurance works. We will also look at its significance and factors to consider before buying rental car insurance.

How does rental car insurance work?

Rental car insurance operates quite differently from standard car insurance, and its benefits and coverage can vary depending on the rental company and your location. Generally, there are three types of coverage insurers offer for rental car insurance.

The first type is Collision Damage Waiver (CDW). This coverage protects you against damages to the rental car’s body but doesn’t extend to tires, engines, windshields, and other parts. Additionally, it doesn’t cover incidents involving driving under the influence of drugs/alcohol or reckless driving.

The second type is theft protection. If your rented car gets stolen, the financial implications can become significant. Theft protection coverage ensures you won’t have to bear the expenses personally. It also covers damages resulting from attempted theft.

Lastly, there’s third-party liability coverage. This coverage takes care of damages caused to any third party if you’re involved in an accident while driving a rental car.

What does rental car insurance cover?

Rental car insurance typically includes:

• Collision Damage Waiver (CDW): This provides coverage for damages caused during a mishap or accident.
• Liability Insurance: Covers damage to other people’s property and medical expenses if you’re at fault.
• Personal Accident Insurance: This provides coverage for the costs of medical expenses for the car driver and fellow passengers.
• Theft Protection: Covers losses if the rental car is stolen.

Before renting a car, check whether your existing car insurance policy covers rentals to avoid unnecessary expenses.

Significance of car rental insurance cover

A rental car insurance policy is crucial as it safeguards you against any damage to the car or third-party liability in case of an accident.

A super Collision Damage Cover can protect against bodily damage to a car and car parts like windows, engines, windshields, etc. In case of any injury to you or the car's occupant due to an accident, a personal insurance cover can take care of medical expenses in such a scenario.

Similarly, a roadside assistance cover can save you from inconvenience if your rented car runs out of fuel, breaks down, or leaves you stranded due to a puncture. Third-party liability coverage protects you against third-party liabilities, and the maximum limit for this coverage can get increased by purchasing Supplemental Liability Insurance. If you get into an accident with an uninsured other party, an uninsured motorist protection coverage will provide coverage.

If you want the level of protection offered by all the above coverages, opt for full protection coverage. It protects against damage to the vehicle, theft of the rented car, repair charges, and any other costs involved in the car rental insurance claim process.

Things to check before buying insurance for rental cars

There are several important factors that you should keep in mind before buying insurance for rental cars.

Firstly, you should be aware of the maximum limit of collision loss damage insurance. If the claim made by the rental company is greater than the coverage provided by rental car insurance, you might be responsible for paying the difference.

You should also be aware of whether it is primary or secondary coverage for rental car insurance. Primary coverage is ideal, and you can also avail of it with credit cards. This ensures that your credit card provider takes care of the insurance claim.

Moreover, you should keep in mind the extent of coverage. This will depend on the type of coverage you opt for. For instance, a collision damage waiver covers only the body of the car and not its parts.

Frequently Asked Questions

1. How to purchase rental insurance?

Mostly your car rental company provides you with rental insurance coverage. You can purchase it from them.

2. Do I need to purchase extra insurance while renting a car?

Yes, you need accidental damage coverage. Mostly, your car rental company will provide you with the same.

3. I have personal insurance. Will it provide coverage if I rent a car?

Yes, if you have comprehensive coverage that provides liability protection to your car, it will also extend to your rented car.

4. Is a Collision Damage Waiver mandatory if I rent a car?

If your car insurance plan or credit card provides coverage for rental car damages, you need not purchase it. But in the absence of these, you need to purchase a Collision Damage Waiver.

Conclusion

Rental car insurance is essential for protecting yourself from financial risks. Before purchasing additional coverage, review your existing comprehensive car insurance and credit card benefits to avoid unnecessary costs. Understanding these aspects ensures a smooth rental experience and safeguards against unforeseen expenses.

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.

Car mileage can affect our car performance. Hence, we must know how to improve car mileage. Increasing your car mileage can help with fuel efficiency. Here are effective tips to improve your car’s mileage and reduce fuel expenses, factors that impact car mileage, and things that you should avoid to maximise the mileage.

Top tips to improve your car’s mileage

• Keep Engine in a Good Health

Regular maintenance and upkeep of your car’s engine are vital in maximising fuel efficiency. It includes changing the oil and oil filters per the manufacturer’s recommendations, replacing air filters when necessary, and ensuring that spark plugs are in good condition. A well-maintained engine performs optimally, burns fuel efficiently, and contributes to better mileage.

• Reduce the Load Inside the Car

Carrying unnecessary weight in your vehicle can significantly impact fuel consumption. Take a moment to assess the items you have stored in your car and remove anything you don’t need for your daily commute or upcoming trip. Excess weight puts additional strain on the engine and increases fuel consumption. By lightening the load, you can improve your car’s mileage.

• Use the Correct Engine Oil

Choosing the correct grade of engine oil recommended by the manufacturer is crucial for optimal engine performance and fuel efficiency. The right engine oil helps reduce friction and wear, allowing the engine to operate smoothly and efficiently. Refer to your vehicle’s manual to determine your specific engine’s oil viscosity and type.

• Be Easy on Pedal

Aggressive driving habits such as rapid acceleration, sudden braking, and excessive speeding can significantly reduce your car’s fuel efficiency. Instead, adopt a more relaxed and steady driving style. Accelerate gradually, maintain a consistent speed, and anticipate traffic flow to minimise unnecessary stops and starts. Being gentle on the pedal can conserve fuel and improve mileage.

• Maintain the Right Air Pressure

Proper tire inflation is vital for fuel efficiency. Under-inflated tires increase rolling resistance, forcing the engine to work harder and consume more fuel. Conversely, over-inflated tires can lead to a harsh ride and uneven tire wear. Regularly check your tire pressure using a reliable gauge and inflate them to the recommended level specified by the manufacturer. It will help optimise fuel economy and ensure safer driving.

• Avoid Over-revving

Over-revving the engine puts an unnecessary burden on your car’s fuel consumption. Revving the engine beyond its recommended limits wastes fuel and increases wear and tear on engine components. Practice smooth and gradual acceleration, shifting gears at the appropriate RPM range to promote fuel efficiency and preserve the longevity of your engine.

• Use Gears Correctly

Whether you have a manual or automatic transmission, using gears correctly can significantly impact your car’s mileage. In a manual transmission car, shift to higher gears as soon as you reach the recommended speed range. In an automatic transmission car, allow the transmission to shift up to higher gears without unnecessarily revving the engine. It allows for smoother and more efficient power delivery, resulting in better fuel economy.

• Check Wheel Alignment

Proper wheel alignment is crucial for maintaining optimal fuel efficiency. Misaligned wheels can cause uneven tire wear and increased rolling resistance, reducing mileage. Regularly check the alignment of your wheels and have them aligned by a professional if necessary. It will ensure your tires roll smoothly, reducing unnecessary drag and improving fuel efficiency.

• Leave the Air-Con Turned Off

While it may be tempting to keep the air conditioning running constantly, excessive air-con use puts additional load on the engine, leading to increased fuel consumption. Instead, use natural ventilation or open windows for cooling when the weather permits. You must reserve air conditioning for extremely hot or humid conditions or at higher speeds where the drag from open windows may impact mileage.

• Maintain an Optimal Speed Limit

Driving at high speeds significantly increases aerodynamic drag, notably affecting fuel consumption. As the manufacturer recommends, maintaining a moderate and optimal speed limit allows your car to operate more efficiently. Adhering to speed limits promotes safer driving, helps conserve fuel, and improves mileage.

Factors that influence car mileage

1. Driving Conditions

City driving with frequent stops and road congestion reduces mileage, while highway driving at steady speeds improves fuel efficiency.

2. Car Maintenance

Regular servicing, oil changes, and using quality fuel improve mileage, whereas neglecting maintenance can reduce fuel efficiency.

3. Tire Quality and Pressure

Worn-out or incorrectly inflated tyres increase rolling resistance, causing the engine to consume more fuel.

4. Aerodynamics and Load

Adding roof racks, spoilers, or carrying excess weight in the car impacts aerodynamics and fuel consumption.

5. Fuel Quality

Low-quality or adulterated fuel reduces engine performance, leading to poor mileage.

6. Transmission Type

Automatic cars generally consume more fuel than manual cars due to energy loss in torque converters. However, modern CVT and DCT transmissions are designed to optimise mileage.

Common mistakes that lead to poor mileage of the car

1. Ignoring Regular Maintenance

Skipping oil changes, not replacing air filters, and delaying engine servicing can drastically reduce fuel efficiency.

2. Overusing Air Conditioning

Continuous use of air conditioning increases engine load and fuel consumption.

3. Driving with Windows Down at High Speeds

Open windows create aerodynamic drag, forcing the engine to work harder, and reducing mileage.

4. Incorrect Tire Pressure

Both under-inflation and over-inflation of tyres can negatively impact fuel efficiency.

5. Overloading the Vehicle

Carrying unnecessary items in the trunk puts extra strain on the engine, increasing fuel consumption.

6. Using the Wrong Engine Oil

Using engine oil that is too thick for your car’s engine can create friction and reduce efficiency.

7. Frequent Short Trips

Engines perform best when warmed up. Frequent short-distance drives prevent the engine from reaching optimal operating temperature, reducing mileage.

8. Not Investing in Four Wheeler Insurance

Comprehensive four wheeler insurance can help cover maintenance costs after an accident, ensuring your car remains in good condition, which indirectly affects fuel efficiency.

Conclusion

Now you know how to increase car mileage, you can improve your vehicle’s mileage and save fuel. It will also contribute to a more eco-friendly and cost-effective driving experience. Another thing you should consider for your vehicle is car insurance. It will give you financial protection against any unexpected event. Opting for bumper to bumper car insurance and four wheeler insurance can help you manage unexpected repairs and maintain your vehicle’s overall health. Drive smart, stay safe, and enjoy better mileage from your car.

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.