Your car tyres are among the most essential components of your vehicle. They are the only components that directly contact the road surface, affecting your safety, the vehicle’s performance, and its fuel efficiency. Therefore, it is crucial to take good care of your tyres and ensure their longevity. Even so, many factors can determine the life of a car tyre, making it wear out faster than expected. This article discusses some of the common factors affecting your tyres' lifespan and ways to prevent or mitigate them.

What affects the life of car tyres

• Driving habits

Driving aggressively, braking hard, accelerating quickly, or taking sharp turns are actions that apply more stress on your tyres, ultimately causing their wear earlier than assessed. Reckless driving also increases the risk of punctures, blowouts, or sidewall damage. Extend the life of your tyres by always driving smoothly, maintaining a steady speed, avoiding abrupt braking or accelerating, and following set speed limits. If possible, avoid driving on rough or uneven roads, potholes, curbs, or debris as these can damage your tyres.

• Tyre pressure

The volume of air inside your car tyres supports the vehicle's weight and helps the tyres to grip the road properly. If your tyre pressure is too low or too high, you will increase or reduce the contact area between the tyres and the road and cause uneven wear. Low tyre pressure increases rolling resistance, forcing your engine to work harder, resulting in lower fuel efficiency and higher emissions.

Conversely, high pressure makes the tyres more rigid and prone to cracks or bursts. To prevent such problems, routinely inspect your vehicle's tyre pressure and adjust per the manufacturer's guidelines. You can locate the recommended pressure for your car on the driver's door frame, within the owner's manual, or on a label inside the fuel cap.

• Tyre alignment

The tyres or wheels of a vehicle are connected to the suspension, and the adjustment of the suspension is referred to as tyre alignment. However, the process does not involve the adjustment of the tyres or wheels themselves. The critical factor of adequately aligning the suspension is to adjust it so that the angles of the tyres make optimum contact with the road. Maintaining proper tyre pressure is also helpful in maintaining the correct alignment of a vehicle, which even the best tyres for cars need.

• Tyre rotation

This is the process of moving the tyres of your vehicle from one position to another to ensure even wear. Different tyres on your car may wear out at different rates depending on their location, load, and function. For example, front tyres tend to wear out faster than rear ones because they bear more weight and handle more steering and braking forces. Follow the correct rotation pattern for your vehicle depending on whether it has front-wheel, rear-wheel, or four-wheel drive.

• Tyre tread

The pattern of grooves and blocks on your tyre's surface provides traction and grip for different road conditions. Tread helps you to stop, start, turn, and avoid skidding or hydroplaning. Your tyre tread wears down gradually as you drive, reducing its effectiveness. Worn-out tyres have less grip and can compromise safety and performance. To check the condition of your tyre tread, you can use a depth gauge or a simple coin test. Insert a coin into one of the grooves on your tyre and see how much of it is visible. If you can see over half of the coin's head (or tail), your tyre tread is too low and requires immediate replacement.

How to take care of car tyres

You can follow these tips to ensure long life and good performance of your car tyres-

• Regular Inspections: Periodically check tyres for signs of wear, cuts, or bulges. Early detection can prevent potential failures.
• Maintain Correct Tyre Pressure: Regularly monitor and adjust tyre pressure according to the manufacturer's specifications to ensure optimal performance.
• Wheel Alignment and Balancing: Schedule routine wheel alignment and balancing to promote even tyre wear and enhance driving comfort.
• Rotate Tyres: Rotating tyres periodically ensures even wear across all tyres, extending their overall lifespan.
• Avoid Overloading: Adhere to the vehicle's load capacity to prevent undue stress on the tyres.

When to change the tyres of a car

The right time to change a car tyre depends upon these factors-

• Tread Wear: If the tread depth reaches 0.5 cm or less, replacing the tyres to maintain adequate traction is advisable.
• Damaged Sidewalls: Visible damage or cracks in the sidewall can compromise tyre integrity and necessitate replacement.
• Extensive Use: After heavy usage, especially on rough terrains, inspect tyres for structural damage and consider replacement.
• Ageing: Regardless of usage, tyres should generally be replaced every five years to ensure safety.

Conclusion

Car tyres are indispensable for your safety and comfort while on the road. However, various factors can shorten their lifespan and affect their performance. By following some simple tips, such as driving with caution, maintaining optimum tyre pressure, aligning and rotating your tyres regularly, checking your tyre tread depth, and obtaining proper car insurance such as comprehensive car insurance, you can prolong the life of your car’s tyres and enjoy a smooth and safe ride.

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-Oct-2025

India's roadways still require significant improvement, despite the government's sincere and ongoing efforts. Whether driving through cities, highways, or villages, you are likely to encounter potholes, uneven speed breakers, and incomplete roads. Keeping your vehicle in good condition despite such circumstances becomes highly challenging. Tyres are components of a vehicle that suffer the most due to poor road conditions.

Tyre replacement can be costly, especially if it happens frequently . For example, a new tyre for a hatchback could cost around INR 4,000. This is where the Tyre Protect add-on cover becomes valuable, offering indemnification against stand-alone tyre damages caused by Accidents (not involving damage to any other parts of the vehicle in which case the cover is available in the base policy).

What is Tyre Protect in ICICI Lombard Car Insurance?

Tyre protect is an add-on to a car’s comprehensive or own-damage insurance policy that covers the expenses for repair and/ or replacement arising out of standalone accidental loss or damage to tyre(s) and/or tube(s) and/or wheel rim(s).

Tyre Protect in Car Insurance: What is Covered & Not Covered?

Here is a list of what is covered and what is not under a Tyre Protect add-on cover:

Covered

ICICI Lombard covers expenses for repair and/ or replacement arising out of standalone accidental loss or damage to tyre(s) and/ or tube(s) and/or wheel rim(s) due to,

1. Tyre side wall indentations due to external impact
2. Tyre burst due to incorrect air pressure
3. Damage to tyre(s) and/or tubes and/or wheel rim(s) due to external impact

Maximum of 4 (four) replacements of tyre(s) and/or tube(s) will be allowed during the Period of Insurance ie. for policy of 12 months

Not covered

ICICI Lombard will not be liable for below mentioned exclusions:

1. Loss or damage arising out of natural wear and tear or mechanical failure or improper suspension geometry as specified by manufacturer.
2. Loss or damage within first 15 days of inception of the policy.
3. Any loss or damage occurred prior to inception of the policy.
4. Theft of tyre(s)/ tube(s)/ rim(s) or its parts/ accessories without vehicle being stolen or theft of entire vehicle.
5. Any loss or damage resulting into Total Loss/ Cash Loss/ Constructive Total Loss of the insured vehicle.
6. If repair/ replacement of tyres is done at unauthorized garage.
7. Loss or damage arising out of any manufacturing warranty, defect or design including manufacturer's recall.
8. Minor damage or scratch not affecting the functioning of the tyre.
9. Tyre(s) and/or tube(s) is/are repaired/replaced without prior authorization from ICICI Lombard GIC Company Limited. i.e. Claim where an opportunity is not given to us to inspect the damage or loss before commencement of repair.
10. Damage arising out of violations of operating instructions such as racing, rally etc.
11. Any excess mentioned in the policy schedule.

What is the Claim process for Tyre Protect cover?

Filing a claim under the tyre protection cover generally involves the following steps:

1. Immediate Notification: (Inform ICICI Lombard about the tyre damage as soon as possible through its various customer support channels).
2. Documentation: Provide necessary documents, including photographs of the damaged tyre, a detailed description of the incident, and any other required paperwork.
3. Inspection: The insurer may arrange for an inspection to assess the damage.
4. Repair or Replacement: Upon approval, proceed with the repair or replacement at a network garage or service centre.
5. Reimbursement or Cashless Settlement: Depending on your policy terms, the insurer will either reimburse the expenses or settle the bill directly with the service provider.

To ensure a smooth and hassle-free claim experience, always follow ICICI Lombard’s motor insurance claim procedures as outlined in your policy document.

How can I avail Tyre Protect Cover?

To add the Tyre Protect cover to your existing car insurance policy:

1. Contact ICICI Lombard or its Intermediaries: Reach out to ICICI Lombard or its intermediaries to inquire about the availability of the Tyre Protect add-on.
2. Understand the Terms: Review the coverage details, exclusions, and additional premium costs associated with the add-on.
3. Purchase the Add-on: If satisfied, purchase the add-on by paying the requisite additional premium.
4. Policy Documentation: Ensure the add-on is reflected in your policy documents for future reference.

Conclusion

Standalone damage to the Tyres are not covered under the base car insurance policy. Hence to cover standalone tyre damage from accidents, you should purchase Tyre Protect add-on.

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.

Toyota Fortuner is a power-packed, mid-sized SUV. Based on the mileage of Fortuner, you have the option to select either diesel or petrol as your fuel type, and both choices come with manual and automatic transmission alternatives. Diesel variants help you get approximately 8 kilometres per litre, regardless of whether they feature a manual or automatic transmission. On the other hand, petrol models, whether equipped with a manual or automatic transmission, provide an estimated fuel efficiency of around 10 kilometres per litre.

Toyota Fortuner’s mileage

When it comes to Toyota Fortuner’s mileage, here’s what the different models can deliver:

• Fortuner 4X4 Diesel model

When it comes to the Fortuner 4X4 Diesel model, you'll find it powered by a 2755 cc diesel engine paired with a manual transmission, and it carries a price tag of ₹39.33 Lakh. This particular variant can cover a distance of 8 kilometres with just one litre of fuel.

• Fortuner 4X2 AT version

The Fortuner 4X2 AT version is equipped with a 2694 cc petrol engine and an automatic transmission. This choice comes with a price of ₹34.58 Lakh.  It offers a fuel efficiency of 10 kilometres per litre.

Tata Motors launched the Punch model with several variants offering great mileage. The ARAI mileage of the manual petrol variant stands at an impressive 20.09 kilometers per liter. Similarly, the automatic petrol version, maintains a slightly lower yet respectable ARAI mileage of 18.8 kilometers per liter, offering you convenience without compromising heavily on fuel efficiency. For those intrigued by CNG as an alternative fuel source, the manual transmission variant excels with a mileage of 20.09 kilometers per kilogram. This alternative aligns with environmentally-conscious choices and economic appeal.

Tata Punch mileage for different models

Let’s look at some of the popular Tata Punch variants that provide great mileage.

• Punch Pure

Punch Pure is equipped with an 1199 cc engine and manual transmission, priced at ₹6 lakh, and delivers a mileage of 20.09 KMPL.

• Punch Pure Rhythm

With an 1199 cc engine and manual transmission, it comes with a price tag of ₹6.35 lakh. The Punch Pure Rhythm mileage is 20.09 KMPL.

• Punch Camo Adventure

If you're someone who seeks adventure, the Punch Camo Adventure might capture your interest. Sporting a 1199 cc engine and manual transmission, this variant comes with a price of ₹7 lakh, offering a mileage of 20.09 KMPL.

• Punch Adventure Rhythm

The Punch Adventure Rhythm, priced at ₹7.25 lakh, provide a mileage of 20.09 KMPL, with an 1199 cc engine and manual transmission.

Maintaining active third-party liability insurance for your car is a legal mandate. Thus, renewing your insurance on time is crucial to comply with the law. Ignoring this responsibility might lead to significant fines and even legal consequences if you're caught driving uninsured. To safeguard yourself from potential trouble, make it a priority to renew your car insurance a few weeks ahead of its expiration date. Regularly checking your insurance status is the only foolproof method to ensure you're compliant and adequately protected. We will look into the various methods on how to check third-party insurance.

What is third party insurance for car?

The Motors Vehicle Act 1988 states that all vehicle owners must purchase third-party car insurance. This policy provides vehicle owners coverage against any liabilities arising from injuries caused to others or damages to their properties due to an accident involving the insured car. It covers the insured’s responsibility to compensate for bodily injury, death, or property damage caused to others. Third-party car insurance does not cover damages to the owner or the insured vehicle.

Methods for verifying your third-party insurance

The following are some of the popular methods on how to check 3rd party insurance.

To check your car insurance details, you have several convenient options available: the mParivahan app, the VAHAN web portal, and the official Regional Transport Office (RTO) website. These resources offer the tools you will need to verify your car insurance's validity and expiry date.

The mParivahan app is designed by The Ministry of Transport,and grants easy access to your vehicle documents. To check your insurance information on the mParivahan app,

1. Install the mParivahan app on your smartphone.
2. Choose your preferred language and tap 'Continue.'
3. Access the dashboard where you'll find two options to check insurance status: by car registration number or Driving License number.
4. Enter the required details and tap 'Search.'
5. Sign in using your registered mobile number.
6. Once logged in, you can confirm your car insurance's validity.

Alternatively, explore the VAHAN web portal for another approach to check your insurance status. Follow these simple steps on how to check third party car insurance on this portal.

1. Visit the VAHAN e-services portal.
2. Navigate to 'Know your vehicle details' on the homepage.
3. Login with your mobile number or create a new account.
4. Enter your car's registration number and the captcha.
5. Click 'Search Vehicle' to access all details, including your car insurance information.

For a simpler method, consider the Regional Transport Office (RTO) website. Take a look at the steps on how to check third party car insurance on this portal.

1. Visit the RTO website.
2. Access 'Online services' for citizens from the menu bar.
3. Choose 'related online services.'
4. Click on 'Vahan citizen services.'
5. Select the specific RTO where your vehicle is registered.
6. Choose 'Status' and then 'Know your vehicle details' from the menu.
7. Provide your car's registration number, chassis number, and engine number.
8. Complete the captcha and submit the information.
9. Retrieve your Parivahan vehicle details, including your car insurance policy's expiry date.

By utilising these user-friendly options, through mobile apps, web portals, or official government websites, you can efficiently track and validate your car insurance's status. This ensures your compliance with legal obligations and provides adequate protection on the road.

Why is it important to know your car insurance status?

In today’s digital age, checking your vehicle's insurance status is simple and convenient through RTO. Here’s why it’s important to check your insurance status regularly:

1. It helps ensure your policy is renewed on time.
2. It provides continuous coverage against third-party liabilities and financial risks in case of accidents or damage caused to others.
3. It ensures you don’t have to pay fines for driving without valid third-party insurance.

Does 3rd party insurance cover theft?

Third-party insurance covers damage caused by the insured vehicle to another person or vehicle up to the policy limit. Theft is usually not covered under this type of policy. For coverage against theft, you must purchase comprehensive insurance.

Conclusion

Regularly checking your third-party car insurance status is essential. You can easily verify your policy expiry date using convenient tools. This helps ensure you are always protected against third-party liabilities in accidents.

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 - 04 Feb 2026

Long road trips are the best way to unwind from the hubbub of daily life, exploring the unknown and enjoying the sense of freedom new destinations offer. However, planning a road trip requires preparation, including certain important documents, so you can experience a comfortable journey without any legal troubles.

Beyond choosing a car that is suitable for the long drive, there is a list of essentials that you must carry. The most important in this list are the critical paperwork, including driver’s licence, car registration certificate, PUC, car insurance, Aadhar card, passport, international driving licence and permits for specific states. Find out more about this checklist and all that you need to enjoy a smooth and comfortable road adventure.

List of documents to keep while going for a long drive/road trip

You should be sure to keep these documents handy for a road trip:

1. Driver's licence

Your driver's licence is important to have during a road trip. Your driving licence not only confirms your driving skills but also provides you with lawful permission to drive an automobile. Make sure you carry a valid driving licence with you at all times.

2. Car’s registration certificate

The Registration Certificate (RC) is another crucial piece of paper you should keep. It verifies the ownership of the automobile and holds required information like the chassis number, engine number and vehicle registration number.

3. PUC (Pollution Under Control) certificate

The Indian government demands that all automobiles must possess a valid Pollution Under Control (PUC) Certificate. This certification signifies that your vehicle’s emissions are within acceptable limits. It is essential to obtain a PUC certificate from an authorised emission testing centre and keep it with you during your road trip.

4. Four wheeler insurance certificate

Four wheeler insurance is a mandatory document for protecting yourself and your vehicle against unpredictable occurrences. This record acts as car insurance coverage proof and can be helpful in possibilities of third-party damage or lawful matters. Hence, you should at least select a third party car insurance policy for coverage in case of third-party casualties or property damage.

5. Aadhaar card

Your Aadhaar Card is a unique identification record provided by the Government of India. It has your name, residential address, and other essential information. While it might not be directly related to your car, carrying your Aadhaar Card can be helpful in identification during your road journey.

6. Passport

Carrying your Passport is necessary if you are planning an international road trip or touring neighbouring nations. Ensure you have a valid Passport, and keep a photocopy of the required pages. A Passport gets accepted as identification proof internationally.

7. International driving licence

If you are a global traveller planning to visit India, an international driving licence is obligatory to drive an automobile lawfully. This licence is a combination of your home country's driving licence and is acknowledged internationally.

8. Permits

Some Indian states require additional permits for your vehicle to enter their territories. For example, the state of Arunachal or areas like Ladakh require inner-line permits (ILP). 

Things to check before going on a road trip

These checks ensure your car is ready to cover the long journey:

• Car battery: Check that the car battery is functioning properly. Ensure the electrical wirings and system are in the right condition.
• Tyre pressure: Ensure the right levels of pressure in all the tyres of your car, even the spare one. They should not be overinflated or underinflated.
• Fuel level: Always fill your fuel tank completely before starting on a long road trip.
• Fluid levels: Besides fuel, check engine oil and brake oil, along with the transmission, power steering, radiator and windscreen fluid.
• Coolant: Check the coolant levels to avoid engine overheating.

Conclusion

As you plan your next road trip, remember to maintain all the necessary car documents for a secure and hassle-free journey. From your driving licence to RC, passport to PUC, these documents can be required at any time of your trip. Especially a third party car insurance policy, in case of an unfortunate incident that requires coverage of third-party damage. With these records in order, you can approach your road journey 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.

Insurance generally offers basic coverage along with the option to purchase add-ons for enhanced protection. In India, different types of car insurance coverage are available; out of which, we will focus on third-party liability coverage in this blog and address your question, 'Is third-party insurance mandatory?'

What is the meaning of third-party car insurance?

Let’s address the main question first, 'Is third-party insurance mandatory?' Yes, it is a mandatory requirement to legally drive on the road. Third-party insurance is also known as 'act-only cover'. It is a type of liability insurance that protects vehicle owners from claims made by third parties. With this insurance, you are shielded from compensating third parties for any losses or injuries they experience in an accident involving your vehicle.

Is third party insurance mandatory in India?

Yes, third-party car insurance is mandatory in India, as per the Motor Vehicle Act of 1988.

Let’s now look into the reason why it is compulsory for all vehicles.

In situations where every vehicle on the road has third-party insurance, you would see accident victims receiving appropriate compensation without straining their finances. Likewise, if you were responsible for an accident, you wouldn't have to face significant financial setbacks, as the insurance policy would handle the situation. Although the ideal scenario involves all vehicles having third-party liability insurance, about 54% of vehicles plying on Indian roads are uninsured. Consequently, many innocent accident victims find themselves footing the bill for medical treatments or repairs out of their own pockets. This highlights the critical need for mandatory third-party car insurance.

What is covered under a third-party insurance plan?

When it comes to the coverage inclusions of third-party car insurance, you'll find that it provides protection for injuries and property damage caused by your insured vehicle. This protection covers a range of situations, including physical injuries, vehicle damage, property damage, and even fatalities.

Note: There are certain circumstances where third-party insurance won't provide compensation, for e.g. if the driver was under the influence of alcohol or driving without a valid license. To understand what’s covered and what’s not, be sure to read the policy thoroughly before buying car insurance.

Importance of third-party car insurance

Third-party car insurance is beneficial for several reasons-

1. Legal compliance:  It ensures that the car complies with the traffic rules and protects the owner from the legal consequences of driving without vehicle insurance.
2. Financial protection: Third-party insurance provides financial support to the policyholder in case of any injuries inflicted on others or damages to their properties during an accident.
3. Peace of mind: It provides mental peace, knowing that in case of a mishap, the policy will safeguard you from the financial burden caused by third-party claims.

Conclusion

To wrap up, you should be aware that third-party car insurance is a requirement for driving legally on Indian roads. This liability insurance ensures you won't have to handle the financial responsibility of compensating third parties for losses or injuries due to accidents involving your vehicle. It's a good idea to have a thorough discussion with your insurance provider to gain a comprehensive understanding before you decide to purchase third-party insurance.

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

Third-party insurance is essentially a legal requirement to be able to drive your vehicle on the road. It typically offers you a form of liability coverage that safeguards you in case someone lodges a claim against you for damages or losses. While you might not always need it, in situations where it's necessary, it can be your lifeline, guarding you against the threat of financial setbacks. So, let’s look into what third party insurance covers.

What is covered under third-party car insurance?

So what does third party insurance cover? We’ve provided a list of everything that this insurance covers below:

• In situations where you're responsible for causing accidental harm to a third party's property, there's no need for you to fret about the expenses. Third-party insurance steps in to cover the damages incurred by the affected party.
• In the unfortunate event that an accident you're involved in leads to the death of a third party, your insurance takes care of the resulting liability. Claims in these circumstances are evaluated through Motor Accident Claims Tribunals, which determine compensation based on the impact of the tragic loss and the earning potential of the deceased (up to INR 7.5 lakh).
• Accidents sometimes result in disabilities. If the third party suffers from partial disabilities, like fractures, which are expected to heal over time, the insurer provides coverage for necessary medical expenses. On the other hand, in instances of permanent disability, the insurer offers a predetermined sum to the affected third party.
• Regardless of the severity of bodily injuries sustained by a third party, medical coverage is extended to typically cover all types of injuries.
• Third party insurance also covers legal expenses which arise while defending third party lawsuits related to the accident.

Ready to unravel the mystery behind Mahindra Scorpio mileage? We’re here to spill the beans on the fuel efficiency of this beast. Whether you're a seasoned Scorpio enthusiast or just dipping your toes into the world of SUVs, we've got the mileage scoop you've been craving. So, fasten your seatbelt, and let's dive into the world of Scorpio's fuel efficiency!

Mileage of the Mahindra Scorpio

Take a look at the following breakdown of the mileage of Scorpio:            

• Official mileage

The Mahindra Scorpio proudly boasts an official mileage of 15.4 km/hr. This statistic is based on the ARAI (Automotive Research Association of India) test cycle, conducted in a controlled laboratory environment and might not precisely mirror real-world driving conditions.

• Diverse factors:

The actual mileage your Scorpio attains may fluctuate due to distinct components. Your driving style influences it: fluid and even driving is kinder to your fuel capacity than forceful maneuvers.

Road conditions matter: whether sleek highways or uneven city streets, they impact your mileage.

Weight has significance: the cargo you transport affects it—greater weight, heightened fuel consumption.

• City vs. highway

Generally, anticipate around 15 km/hr during city drives and a slightly peppier 16 km/hr on the highway. But remember, these figures aren't set in stone.

• Real-life scenarios

While some Scorpio owners praise hitting or surpassing these mileage marks, others share experiences that don't match the official numbers.

• Engine options

The Scorpio gives you a choice between a 2.0-liter petrol engine and a 2.2-liter diesel engine. Diesel tends to be more fuel-efficient, but it also tends to produce more emissions.

• Versatility at its core

Renowned for its spacious interior and robust build, the Scorpio is a sought-after option for families and businesses. Its hardy design is coupled with the ability to handle off-road terrain.

Are you in the market for an SUV? Then look no further than the Thar! The Mahindra Thar is a superior choice - powerful and robust. This indulgent sport utility vehicle has been gaining momentum in the market thanks to its impressive features and capability. But one of the questions most people have before they make a purchase is “what is the mileage of this vehicle?” Well, we've got answers for you.  Whether you're a rugged explorer or a city slicker eyeing the thrill, we've got the lowdown on what makes this iconic ride guzzle or conserve fuel. Get ready to dive into the world of Thar's fuel efficiency in the this article.

Mileage of the Mahindra Thar     

Hold onto your seats because we're about to break down the Mahindra Thar mileage story in simple points:

• Fuel variety

Mahindra Thar's versatility extends to its engine and transmission options, pivotal in shaping its mileage. The diesel manual version, hitting a commendable 15.2 km/hr, strikes a balance between power and efficiency. On the other hand, the automatic diesel variant, while providing convenience, hovers around 9.0 km/hr, leaning slightly away from fuel efficiency. The petrol manual and automatic editions align closely at 15.2 km/hr, delivering consistent performance and efficiency. This diverse array of options caters to different driving preferences and efficiency needs.

• ARAI mileage

We mentioned the numbers based on ARAI (Automotive Research Association of India) testing. However, remember that these figures are achieved in controlled environments and might differ from real-world scenarios.

Just like any vehicle, the Thar's mileage can fluctuate due to several elements:

• Driving style

Smooth, gradual driving is easier on the fuel than aggressive acceleration.

• Terrains traversed

Whether tackling challenging trails or cruising smooth highways, the terrain can sway your mileage.

• Payload

What you're carrying affects mileage too. The heavier load you put in your Thar, the more fuel it takes to move.

• Real-world adventures

Thar enthusiasts often share their real-world mileage tales. Some applaud hitting or surpassing the official numbers, while others have experiences that might not align.

• Engine selection

The Thar presents a choice between diesel and petrol engines. Diesel often leans towards efficiency, but remember, it can also lean towards higher emissions.

• Unleash the versatility

Known for its robust design and off-road prowess, the Thar isn't just an SUV; it's an experience waiting to be explored. Families and adventurers alike find a match in its spacious interior and capability.

Curious about the mileage of the Volvo XC90? Well, buckle up for an enlightening ride about its fuel efficiency. We're unpacking the digits behind this luxury SUV's mileage in detail. Whether you're an auto enthusiast or a practical driver, get ready to explore the ins and outs of Volvo XC90's mileage performance.

Mileage of Volvo XC90

Here's a comprehensive look at the mileage of the Volvo XC90:

• Official numbers

The official mileage figures from the source for the Volvo XC90, which offers both petrol and diesel variants. The petrol version impresses with an official mileage of 17.2 km/hr, highlighting its efficient performance. On the diesel front, the XC90 maintains a sturdy balance of power and efficiency, showcasing an official mileage of 16.3 km/hr. These figures provide a glimpse into the XC90's prowess in delivering both performance and fuel economy. Diesel enthusiasts will appreciate this balance of power and efficiency.

• ARAI insights

These official figures are rooted in ARAI (Automotive Research Association of India) testing. However, it's essential to remember that these laboratory-based tests might not perfectly mirror real-world driving conditions.

• Variation galore

Brace yourself for variations in actual mileage. Your XC90's real-world mileage depends on multiple factors, such as driving style, road conditions, and vehicle weight.

• Urban versus open road

As a rule of thumb, you can anticipate the XC90 achieving around 15-17 km/hr in city driving and a sprightly 18-20 km/hr on the highway. But remember, these numbers aren't carved in stone.

• Owner experiences

The beauty of real-world experience shines here. Some XC90 owners report surpassing these estimated figures, while others might experience slightly lower mileage.

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