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

List of 15 State Highways in Kerala

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

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

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

Conclusion

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

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

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

What is Third-Party Liability Cover?

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

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

How does Third-Party Liability Cover Work?

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

How to Claim for Third-Party Car Insurance?

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

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

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

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

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

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

Features of Third-Party Liability Coverage

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

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

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

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

Third-Party Liability Cover Premium

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

Premium for Single-Year Policy

Premium for 3-Year Policy 

Premium for Single-Year Policy for Electric Cars

Premium for 3-Year Policy for Electric Cars

Exclusions of Third-Party Liability Cover

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

Conclusion 

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

Updated on - 18 May 2026

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

What’s Covered by a Car Insurance Policy?

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

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

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

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

Steps to File a Claim If Your Car Is Stolen

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

1. File an FIR

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

2. Contact Your Insurer

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

3. Inform the RTO

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

Documents required

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

Conclusion

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

FAQs

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

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

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

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

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

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

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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

List of 10 State Highways in Maharashtra

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

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

Conclusion

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

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

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

What is Multiple Personal Accident Insurance?

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

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

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

Benefits of Multiple Personal Accident Insurance

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

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

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

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

Benefits of Car Insurance

The benefits of car insurance include the following:

• Coverage against unforeseen circumstances

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

• Accumulate no-claim bonus

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

• Covers third-party liabilities

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

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

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

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

Conclusion

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

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

We all know that wearing a seat belt in India is mandated, but how many of us actually abide by the rule? This is not just a legal requirement in India but also prevents a life hazard. 

As per the official report submitted by the Ministry of Road Transport and Highways, 4,61,312 road accidents were reported in 2022. The numbers are staggering and hence call for us to act more responsibly. Many of these accidents could have been prevented, or their impact minimised if seat belts had been consistently worn and a hefty “without seat belt fine” was levied strictly. 

As a matter of fact, a simple click of the seat belt can mean the difference between walking away from a collision unscathed and enduring severe injuries or worse. 

Fine for not wearing a seatbelt in India

Wearing a seat belt in India is mandated by the Motor Vehicles Act of 1988. The implementation of The Motor Vehicles (Amendment) Act in India has led to an increase in penalties for various traffic violations, including not wearing a seat belt. Following are some of the critical aspects that you, as an Indian citizen, should be aware of:

• Increased fine amount

Earlier, for driving without a seat belt, the fine amount was just INR 100. However, to implement this law better, the fine for not wearing a seatbelt has been increased to INR 1000. This escalation aims to serve as a stronger deterrent and encourage greater compliance with seat belt regulations.

• Rear Seat Passengers

Another thing that we must note is that the law not only applies to front seat occupants but also to passengers in the rear seats. Rule 138 (3) of the Central Motor Vehicles Rules explicitly states that “without a seat belt fine” in the rear seats is also INR 1,000. 

Conclusion 

The stark numbers are compelling for us to recognise the gravity of the issue and act accordingly. While we’ve highlighted fines for not wearing a seatbelt, it’s also essential to consider other aspects of responsible driving. One such aspect is your car insurance policy, which can immensely help. Ensure that you have the right accidental insurance coverage in place for a more secure journey. 

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.

Driving alone can be an empowering experience for women. It gives a sense of freedom. However, personal safety should always be a priority, especially when driving alone. Whether you are going for a short trip to the store or undertaking a long drive at night, giving safety the needed attention can prevent unwanted situations.

Solo driving safety tips for women

Following these tips can help you avoid untoward circumstances and overcome challenges in your journey:

• Plan your route in advance

Take time to map out your route before starting. You can use a navigation app to do so. Choose well-lit and frequently used roads instead of isolated or unfamiliar ones. If you get lost, it’s wise to avoid stopping in secluded areas and drive to a crowded location before checking directions or seeking help. Also, inform a person you trust about your travel plans in advance.

• Keep your vehicle in good condition

A well-maintained vehicle minimises the risk of breakdowns. Unexpected breakdowns can leave you vulnerable in unsafe locations. Before starting, check your vehicle’s brakes, tyres, battery, headlights and fuel levels. Carry essential tools, such as a spare tyre, jack and flashlight, in case of an emergency. You can also opt for a roadside assistance service subscription for immediate support in case of trouble.

• Lock your doors and keep windows up

Always lock your doors as soon as you enter the car and keep your windows rolled up. This helps prevent unauthorised entry and reduces the chances of potential threats. Also, be mindful of your surroundings and avoid engaging with strangers who may approach your vehicle at traffic signals or parking lots.

• Carry self-defence tools

Having self-defence tools like pepper spray, a personal alarm or a whistle can provide an added sense of security. Ensure they are easily accessible. You can keep them in your handbag. At the same time, being equipped with basic self-defence techniques can help in emergencies.

• Keep emergency contacts handy

Save emergency numbers, including the police, a trusted friend or family member whom you can contact if needed. Also, you can share your estimated arrival time with a known person so they can check in if necessary.

• Avoid picking up strangers

When driving alone, it’s wise not to offer rides to strangers who appear to be in distress. Instead, you can direct them to the nearest police station or emergency service. Criminals often use distress as a tactic to lure unsuspecting drivers into dangerous situations.

• Don’t share your location publicly

Refrain from sharing your real-time location on social media platforms. This may expose your whereabouts to the wrong people. If needed, you can share your location privately with a trusted friend or family member.

• Trust your instincts

If you feel something wrong, trust your gut instinct and act immediately. If you notice someone following you, it’s wise to reach the nearest police station or a crowded public place.

Conclusion

You can significantly reduce risks and secure your journey by staying vigilant and prepared. Stay alert, be proactive and enjoy your driving with peace of mind. Having reliable car insurance in place adds an extra layer of security, so you can focus on driving confidently without worrying about 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 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.

Related Articles:

• Guide for Women Planning to Buy Car Insurance
• Top High-Tech Car Safety Technologies
• Essential Traffic Rules Every Car Driver in India Should Know
  

When it comes to car insurance, you've probably heard about the concept of a "deductible.". But what is a voluntary deductible in car insurance exactly? Well, think of it as the amount you agree to pay out of your pocket before your insurer comes in to cover the rest in case of a claim. Unlike deductibles imposed by insurers, which are non-negotiable, voluntary deductibles are something you get to choose based on your needs and financial situation. Opting for a deductible indicates you are willing to take on more risk, which can result in lower premiums, as the insurer sees you as a less risky policyholder.

Who doesn't like saving money on insurance premiums, right? We do! So, let us explore whether opting for a higher deductible to reduce your premium is a smart financial decision or not.

Voluntary Deductibles in Car Insurance

Let’s say you opt for car insurance online and want to know more about voluntary deductibles. The table below will help you understand how the voluntary deductible is calculated.

Please keep in mind that these numbers could vary depending on the insurance company. It's always best to consult your insurer for information regarding deductibles and any associated discounts.

Why would you want a higher voluntary deductible?

• Having Confidence in Driving Skills: If you're a confident driver and have a clean record without any accidents or claims, choosing a voluntary deductible in car insurance could be a wise decision. Your low-risk profile reduces the likelihood of needing to file a claim, leading to savings on your premium.
• Residing in a Safe Neighbourhood: Living in a safe area with lower accident risks can also support opting for a higher voluntary deductible. With fewer chances of requiring to make claims due to the neighbourhood’s low accident rate, selecting a voluntary deductible can be more appealing and result in reduced premiums.
• Financial Preparedness: If you have sufficient savings or financial stability to cover the increased deductible amount in case of the event of a claim, opting for a higher voluntary deductible may be practical.

When does a voluntary deductible NOT make sense?

• Limited savings: If you lack savings to cover the elevated deductible amount, it may not be the most prudent choice.
• High-risk profile: If you've had accidents before or often drive in accident-prone areas, choosing a voluntary deductible could be risky because it might lead to significant out-of-pocket expenses if you make a claim.
• Minimal savings: Sometimes, the extra savings from a voluntary deductible may not be worth it, especially when the difference in premiums is minimal.
• Older vehicle: When you have an older vehicle, insurance costs usually go up. Since the voluntary deductible is a percentage of the premium, it also increases accordingly.

Conclusion

Voluntary deductibles in car insurance allow you to customise your car insurance based on your needs and budget. However, don't rush into opting for a voluntary deductible without carefully considering the advantages and disadvantages to ensure it's the best decision for you.

By consulting with your insurance provider and taking a thoughtful approach, you can make a well-informed decision while optimising your savings.

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

Updated on - 02 Jan 2026

Maintaining a car can be challenging, especially with rising on-road risks. A nil depreciation cover helps ease this burden by ensuring you receive the full claim amount without deductions for depreciation if your vehicle is damaged in an accident. The cover is particularly valuable for new or high-value cars, where even minor repairs can be expensive.

This blog explains what a nil depreciation cover is and why it is a smart addition to your car insurance policy.

What does nil depreciation mean?

Zero or nil depreciation in car insurance refers to an add-on that eliminates depreciation costs during claims, ensuring you receive full coverage for the damage.

In other words, if you have zero depreciation coverage, he insurer pays the full cost of repairs.

Zero depreciation cover is generally available for cars up to five years old or less. Many insurers also limit the number of nil depreciation claims you can file in a policy year.

It is especially advisable to opt for a zero depreciation cover if you have a new car, a high-value vehicle or if you are a new or less-experienced driver, as it helps reduce out-of-pocket repair costs after an accident.

The benefits of nil depreciation add-on cover

Here are the advantages of having nil depreciation add-on cover:

• Lower out-of-pocket expenses: It covers the depreciation on parts, reducing the amount you need to pay during repairs after an accident.
• Better protection in high-risk areas: Ideal for vehicles frequently driven in heavy traffic or accident-prone zones.
• Reduced financial burden: By covering the full repair or replacement cost of parts (without depreciation deductions), it offers stronger financial protection.

Difference between comprehensive and nil depreciation car insurance

While both comprehensive insurance and nil depreciation cover offer valuable protection, they differ in their purpose and the extent of coverage they provide:

How nil depreciation impacts claim settlement

A nil depreciation cover significantly changes the way your car insurance claim is settled. With this add-on, the insurer pays the full cost of repairing or replacing damaged parts without deducting depreciation.

As a result, you receive a higher claim amount compared to a standard comprehensive policy, where the insurer subtracts the depreciated value of parts due to wear and tear.

This helps reduce out-of-pocket expenses, especially for frequently replaced parts like bumpers, fibre components and metal panels, easing the financial burden after an accident.

Things not covered under nil depreciation policy

A nil depreciation policy offers wide coverage, but it does not include every possible scenario or incident, such as:

• Damages from everyday wear and tear, rust, mechanical and electrical failures.
• Consumables such as oil, nuts, bolts and coolant, unless you’ve opted for a separate consumables add-on.
• Engine damage caused by water entry or oil leakage, unless you have an engine protection add-on.
• If the vehicle was used illegally or if the driver didn’t have a valid licence.
• Indirect losses, such as income lost while the car is under repair,

Remember, you’ll still need to pay the compulsory deductible at claim time.

Conclusion

Understanding how a zero depreciation car insurance works helps you make an informed decision when choosing the right coverage. This add-on offers greater peace of mind by reducing unexpected repair expenses and ensuring you receive maximum claim value.

While a nil depreciation cover enhances protection, a comprehensive car insurance policy remains essential as it provides broad financial security against accidents, theft and other unforeseen events.

If you need personalised guidance in selecting the right car insurance plan, you can fill out the form on this page to receive tailored assistance.

FAQs

1. Can I get zero depreciation car insurance for an older vehicle?

Most insurers offer zero depreciation cover for cars up to 5 years old. However, this limit can vary; some insurers may extend eligibility to 7 years or more with an additional inspection or higher premium.

2. How does zero depreciation car insurance affect my premium?

The premium is slightly higher, but it’s often worth it considering the higher claim payout and minimal personal expense during repairs.

3. Is zero depreciation car insurance applicable for total loss or theft?No, it applies

only to repair-related claims. In cases of total loss or theft, compensation is based on your car’s Insured Declared Value (IDV), not the nil depreciation benefit.

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.

Road tax payment in Maharashtra has evolved with the introduction of online payment options. Maharashtra road tax online payment is especially convenient for vehicle owners near Mumbai. This streamlined process allows most individuals to pay from home, saving time and effort. The straightforward online procedure makes it the preferred method for road tax payment in Maharashtra.

How To Pay Maharashtra Road Tax Online? 

It is fairly simple to process the road tax in Maharashtra: online payment. Simply follow the steps below:

• Step 1: Access the Parivahan website, maintained by the Government of India.
• Step 2: Navigate to the “Online Services” option and then click on “Vehicles Related Services”.
• Step 3: From the menu, select Maharashtra as your state. Thereafter, identify and select your area’s RTO from the drop-down list.
• Step 4: You will be redirected to a new page. Fill in the Entry Vehicle identification number and all other supporting information.
• Step 5: Once your details are verified, you can proceed and make your online road tax payment, Maharashtra. You will then be able to download your receipt.

That’s how to pay road tax online in Maharashtra. It is advisable to keep your vehicle’s RC, car insurance policy and proof of address handy when submitting your application.

Conclusion

Knowing how to pay road tax in Maharashtra is essential, ensuring a convenient and worry-free experience. It is advisable to complete all legal formalities to avoid issues while on the road.

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

Yes, personal accident (PA) insurance is essential for everyone. Based on the 2002 India Motor Tariff, all vehicle owners must have a personal accident cover. This act applies whether you choose third-party liability coverage or a comprehensive policy for your car. Failure to own a PA cover might result in a penalty under the Motor Vehicles Act.

The insurance policy ensures that you get compensated despite who’s at fault during an accident. It helps ease the financial burden of additional expenses that may come following an accident. More so, this cover comes in handy in case you lose your income due to a serious accident that may hinder you from going to work. Please note that you can also decide between co insurance and co payment.

Keep reading for answers to important questions such as: why should you buy personal accident insurance? Who should opt for personal accident insurance? Is Personal Accident Cover Mandatory for Owner-Drivers?

Why You Should Buy Personal Accident Insurance

Personal accident insurance comes in to offer financial coverage to a policyholder in the case of an accident that leads to injury, disability, or death. Here are particular reasons why you need the PA cover:

• Financial Security- in case an accident causes temporary or permanent disability, the policy will offer you a lump sum amount to secure your medical expenses, possible loss of income, and any additional costs.
• Wide Coverage- Personal accident insurance offers wide-ranging coverage for accidents like road tragedies, falls, burns, or any other incident that results in injuries or disabilities.
• Flexible Choices- Personal accident premium cover comes with flexible choices. This makes them accessible to everyone. For instance, you can discuss the difference between copay and coinsurance with your service provider and see what works best for you.
• No Need for Medical Exam- Most personal accident insurance covers don’t ask for prior medical examinations. As a result, it’s easier to obtain your coverage, giving you the peace of mind you need whenever you get on the roads.

Note: The scope of your PA coverage will depend on the benefit you select. For employees, if your health insurance contains higher copays or deductibles, you can benefit by going for the accident insurance policy.

Who Should Opt for Accidental Insurance?

PA insurance caters to accidents (critical illnesses, temporary and permanent disabilities, deaths, etc.) and can benefit many people. This cover is especially essential to those who are at higher risk of experiencing accidents. Thus, the groups of people who should primarily opt for accident insurance include the following:

1. People working in high-risk jobs such as miners, construction workers, oil and gas drilling and extraction workers.
2. Individuals working in hazardous surroundings where they’re more prone to accidents. You can check out some common workplace safety hazards.
3. Athletes and sports lovers who engage in high-risk sports activities, including motor races, martial arts, and other extreme sports.
4. Those involved in frequent outdoor activities like adventure sports, hiking, and camping.
5. Elderly persons who could be more vulnerable to accidents mainly due to old-age factors such as poor reflexes and decreased mobility.
6. Individuals with pre-existing medical conditions that increase their chances for accidents.
7. Students who are more exposed to risk factors such as sports injuries, commuting accidents, and more.
8. Self-employed entrepreneurs who may need more benefits and safety coverage offered to employed individuals.

Is Personal Accident Cover Mandatory for Owner-Drivers?

Yes, personal accident cover is mandatory for owner-drivers. The cover forms a compulsory part of every car insurance policy, both for the comprehensive and the third-party liability policies. The compulsory PA cover comes as an add-on to offer the owner-driver of the insured motor vehicle protection from any accidental injuries. Therefore, a comprehensive or 3rd party liability insurance policyholder can obtain the coverage by only paying an extra cost in the premium.

Based on the IRDA mandate, you can choose to buy a personal accident insurance policy for any vehicle type, including private cars, two wheelers, taxis, or commercial vehicles such as buses, vans, trucks, etc. Note that there’s also a difference between copay and coinsurance. You can discuss this with your service provider to see what works for you. The copay and coinsurance difference is that copayment is a fixed cost that you, the insurance policyholder, will pay for a particular service covered by your provider. On the other hand, coinsurance involves payment for a percentage of the total cost of a service.

Conclusion

Personal accident insurance is essential for everyone. The cover offers financial security for policyholders who undergo serious injuries or even death resulting from an accident. This type of insurance coverage is necessary since it provides compensation regardless of who’s at fault in the accident. While some people tend to be at higher risk, accidents can occur to anyone. Thus, it’s crucial to have maximum financial protection to cater for unexpected accident expenses.

For maximum benefit, ensure that the policy coverage contains all the significant activities that could cause accidents either at home or at the workplace. In short, it should offer you a wide range of coverage. It helps to pay close attention to the claim settlement record of the insurance service provider from which you wish to buy your policy.

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

Getting insurance coverage for our car will be the first thing we do after buying a new car. There are two types of car insurance; own damage and third-party liability insurance.  People often get confused when considering own damage vs comprehensive insurance for their car.  Own damage insurance protects the owner's car from theft and damage. While the third-party liability covers the financial obligations arising from accidents caused to a third party by our insured vehicle. In contrast, comprehensive auto insurance combines the features of own damage and third-party liability cover. You can choose the best coverage for your car by being aware of the differences.

Difference Between Own Damage and Comprehensive Insurance

The following table shows the own damage vs comprehensive insurance comparison.

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.

Updated on - 02 Jan 2026

In India, every car owner must have third-party insurance by law, but this plan only covers the damage you may cause to another person’s vehicle, property or injuries. Since it offers no protection for your own car, a major part of your financial risk still remains. This is why many car owners choose to add own damage (OD) insurance.

Own damage insurance bridges this gap by covering your vehicle against accidents, fire, theft, natural disasters and vandalism. With this protection, you can manage repair or replacement costs more easily and avoid unexpected expenses. This blog explains how own damage insurance works and how it differs from comprehensive car insurance.

What does a standalone own damage policy mean?

A standalone own damage plan is a separate car insurance cover that protects only your vehicle against unexpected damage or loss. You buy it in addition to a mandatory third-party insurance plan, but it works independently by offering coverage for any damages caused to your car by natural or manmade causes.

Having a standalone own damage plan means the insurance company will cover the expenses incurred by natural disasters like floods, storms, earthquakes and others. It also includes damages caused due to vandalism, accidents, riots, fire, theft, etc.

There are various add-ons available for policyholders to choose from. It enhances your overall insurance coverage and offers added protection to the insured car. Some add-ons you can opt for along with a standalone own damage insurance plan include:

• Zero Depreciation Add-On Cover
• Consumables Add-On Cover
• Engine Protection Add-On Cover
• Key and Lock Protect Add-On Cover
• Roadside Assistance Add-On Cover
• Return to Invoice Add-On Cover

Benefits of own damage insurance policy

Buying an own damage insurance plan for your car comes with numerous benefits. These include:

• Protection from repair cost inflation: Garages and spare parts become more expensive each year, and OD insurance helps you manage these rising costs.
• Coverage even when no other vehicle is involved: Damage from self-accidents, falling objects or natural events is covered, which a third-party insurance plan cannot offer.
• Support in case of total loss: If your car is beyond repair, the insurer pays the insured value, reducing your financial burden.
• Flexibility to choose your insurer: You can buy own damage cover from a different insurer than your third-party plan, giving you more options and better pricing.
• Option to add useful add-ons: You can enhance your cover with add-ons like zero depreciation, roadside assistance, engine protection or consumables cover.
• Reduces out-of-pocket expenses after minor mishaps: Even small accidents can result in costly repairs. OD cover reduces these unexpected expenses.

Note: Coverage, limits and add-on options may vary between insurers, so reviewing the policy terms carefully before buying an own damage plan ensures you get protection that matches your needs.

Coverage offered under own damage insurance

Own damage insurance protects your car from a wide range of risks, even if the accident or incident is not caused by another vehicle. It covers damage due to fire, explosion, self-ignition or lightning. It also protects your car if it is stolen or damaged during burglary or housebreaking. Damage caused by riots, strikes, malicious acts or terrorist activities is included as well.

Your car is covered against natural disasters such as earthquakes, floods, cyclones, hailstorms, storms and landslides. Accidental damage from external means, such as collisions or impact, is also part of the cover. The plan also extends protection when your vehicle is being transported by road, rail, air or inland waterways.

If your car is completely destroyed or stolen, the insurer compensates you as per the insured value. However, the exact coverage, exclusions and claim conditions may vary across insurers. Always review the policy wording carefully to understand what is included and what requires add-on covers.

Difference between own damage and comprehensive insurance

The table below explains the difference between own damage and comprehensive insurance:

How to buy or renew an own damage car insurance policy online

Buying or renewing your own damage car insurance online is simple and quick. First, visit the insurer’s website and enter your car details. You can then check different plans, compare prices and see what each policy covers. Once you choose a plan, fill in your information and upload any required documents. After that, make the payment online, and your policy will be sent to your email. This easy process helps you save time and avoid long paperwork.

Why you should add own damage cover to your motor insurance policy

Accidents and unexpected incidents can happen at any time, and repair or replacement costs can be substantial. Own damage cover protects you from these financial burdens. By adding this cover to your car insurance policy, you ensure that your car is protected against accidents, theft, fire, natural disasters and other unforeseen events. This not only reduces out-of-pocket expenses but also gives you peace of mind, allowing you to drive with greater confidence.

Tips to maximise your own damage insurance benefits

Here are some tips to help you get the most benefit from your own damage insurance:

• Always report an accident to your insurer as soon as possible.
• Take clear photos of the damage before moving the vehicle.
• Keep all repair bills and documents safely.
• Choose a network garage to get cashless repairs.
• Do not hide any details about how the damage happened.
• Check your policy terms so you know what is covered.
• Renew your policy on time to avoid losing protection.

Conclusion

Understanding own damage insurance is necessary because it helps you protect your car from accidents, fire, theft and other unexpected events. This cover gives you financial support when your vehicle gets damaged, so you do not have to pay large repair bills on your own. It also gives security, as you know, help is available when something goes wrong.

If you want to know about different plans apart from own damage insurance, you can fill out the form on this page, and we will assist you with the insurance plans that are best for your situation.

FAQs

1. What is own damage insurance?

Own damage insurance covers the cost of repairing your car if it is damaged due to an accident, fire, theft or natural disaster.

2. Do I need own damage insurance?

It helps protect your car from unexpected damage. Without it, you must pay repair costs on your own.

3. Is own damage insurance included in third-party insurance?

Third-party insurance covers only third-party liability. You must buy own damage cover separately for 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 topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Karnataka is renowned for its diverse landscapes and robust economy. The Karnataka government imposes road taxes on vehicle owners to maintain its extensive road network and meet the ever-increasing transportation demands. This blog aims to shed light on the intricacies of Karnataka's road tax, specifically for cars. It will also give you a comprehensive understanding of its calculation, rates, and significance.

What is the Road Tax in Karnataka in for Cars?

Karnataka Road Tax for Cars is a mandatory financial obligation on vehicle owners. The tax is determined based on several factors, including the vehicle's value, type, age, seating capacity, and fuel type. Here's a breakdown of the road tax rates for cars in Karnataka:

These tax rates apply to new and used cars, with specific slabs for vehicles less than 5 years old, between 5-10 years old, and those older than 10 years. Understanding the car road tax in Bangalore is crucial for car owners in Karnataka, as compliance ensures the upkeep of the state's vital road infrastructure.

Conclusion 

Understanding Karnataka's road tax for cars is essential for all vehicle owners in the state. While the tax rates may seem high, they contribute to the development of better infrastructure and roads, ultimately benefiting residents and visitors alike. You can use the Karnataka road tax calculator to calculate road tax for your car. So, whether you're a long-time Karnataka resident or planning to move here, knowing the road tax details will ensure you stay on the right side of the law and contribute to the state's progress. Additionally, having a comprehensive car insurance policy not only protects you from financial losses due to accidents or theft but also ensures you comply with legal requirements, making your driving experience stress-free.

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.

When it comes to car insurance, you must have wondered what exactly is the scope of third-party liability coverage? Does it have any exclusions? What are the salient features of liability-only car insurance? So, let’s understand what is liability coverage in car insurance, its features, and more.

What is liability coverage in car insurance?

Liability coverage in car insurance covers policyholders from financial setbacks if they are proven to be legally responsible for injuries to others or damage to their property when driving their vehicle. There are two aspects of car insurance liability coverage —

1. Bodily injury: This aspect deals with medical costs, loss of wages, and legal charges if one or multiple injured parties file a lawsuit against the policyholder.
2. Property damage liability: This aspect covers property damage liabilities of a third party and deals with repairs or replacement of the damaged property.

Car liability insurance provides coverage for injuries or damages in case of third parties and their property only. It does not provide coverage to you or your property/vehicle. 

Features of Liability Only Cover in Motor Insurance

The features of a car insurance policy covering only third-party liabilities include —

• Third-party liability cover: The policy provides coverage for any legal liabilities stemming from accidents that cause injury, death, total permanent disability, or property damage to a third party involving the policyholder’s vehicle.
• Personal accident cover: In these types of policies, if there is a total disability or death of the owner/driver, most insurers provide personal accident coverage of up to INR 2 lakh in the case of commercial and private vehicles.
• Extent of cover: Coverage for third-party liabilities is comprehensive, with up to INR 7.50 lakh available for property damage and injuries. Policyholders can opt to limit the coverage for damage to third-party property to INR 6,000 to reduce premiums.

Coverage under Liability Only Cover

Inclusions

The inclusions in car insurance liability coverage are –

• Injury claims: All the costs related to third-party injuries are covered by a third-party insurance cover.
• Partial disability: In cases of accidents where the third party suffers from partial or permanent disability, the insurer provides compensation to the victim. This compensation is provided to the third party on behalf of the insured person.
• Property damage: In a liability-only policy, the insurer covers all the losses to the third party’s property.
• Death: In the event of the death of a third party in an accident involving the policyholder’s car, the compensation is paid to the relatives of the deceased by the insurer on behalf of the insured.  

Exclusions

The exclusions covered under car insurance liability coverage are –

• If your fault results in causing damage to the property of the other party
• Any employee of the insurer who dies or suffers an injury in a car accident is not provided coverage or any sort of compensation as per the policy’s terms and conditions.
• The policy does not provide coverage for the use of nuclear weapons or any such object or weapon and theft-related liabilities.

Conclusion

Car insurance liability coverage not only meets the mandatory legal requirements, but it also acts as the first layer of financial protection against claims that would otherwise cause significant financial setbacks to the policyholder. It is important to understand what your liability insurance does and does not cover so that you know your policy's exact scope of coverage.

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

Car insurance is vital for all vehicle owners in India. While third-party liability insurance is compulsory, there's another important coverage called Personal Accident (PA) Cover. But is personal accident cover mandatory for car insurance? This post explains what PA cover is and whether it’s mandatory for car owner-drivers.

What does Personal Accident Cover Mean?

Personal Accident Cover is an insurance plan that provides financial protection to the owner-driver in case of an accident involving the insured car. It covers medical expenses if the owner-driver gets injured in a car accident.

A Personal Accident Cover provides several important benefits for owner-drivers, such as:

• It pays for all medical expenses if the owner-driver gets injured in a car accident. This includes costs for treatment, hospital stays, and medicines.
• If the car accident leads to permanent disability for the owner-driver, the PA Cover will provide a fixed amount (i.e., the sum insured) to help him/her financially. 
• If the unfortunate situation arises where the owner-driver passes away due to a car accident, the PA Cover ensures that the family receives the sum assured. This death benefit helps support the family financially during a difficult time. 

PA Cover ensures that the owner-driver or his/her family doesn't have to bear the financial burden of medical treatment or loss of life due to a car accident.

Is PA Cover Mandatory for Car Insurance in India?

Now, let’s look for an answer to the question: “Is it mandatory to take personal accident cover in India?”

The Motor Vehicles Act of 1988 in India makes it compulsory for all vehicle owners to have at least a third-party insurance policy. This policy covers any liabilities arising from third-party claims against the insured vehicle, such as bodily injury or property damage. However, it does not cover damages to the insured vehicle or injuries to the owner-driver. 

To address this gap, the Insurance Regulatory and Development Authority of India (IRDAI) has made PA Cover mandatory for all car owner-drivers. This means every car insurance policy in India must include PA Cover for the owner-driver. The main reason for making PA Cover mandatory is to ensure that vehicle owners and their families are financially protected in case of personal injuries or loss of life resulting from a car accident. This category of insurance covers the medical expenses of owner-drivers and provides a death benefit; this reduces the financial burden on owner-drivers or their families.

Conclusion

Personal Accident Cover (PA Cover) is a mandatory component of car insurance policies in India. The Motor Vehicles Act and IRDAI have made PA Cover mandatory to ensure comprehensive coverage for vehicle owners, addressing personal injuries and fatalities resulting from car accidents. By having PA Cover as part of their car insurance policy, vehicle owner-drivers can have peace of mind knowing they and their families are financially protected in case of an unfortunate accident.

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

Updated on - 02 Mar 2026

Believe it or not, you can legally insure a car for just a day when needed. Several insurers now offer short-term car insurance policies designed for temporary use. For various reasons, the need for car insurance may arise for just a day. Understanding the feasibility of securing insurance for such a short duration is crucial. This type of cover is growing in popularity, especially for people who do not own a car but still need occasional access to one. It is quick, legal, and often more cost-effective than adding yourself as a temporary driver on someone else’s policy.

Why would you need one-day car insurance?

One-day car insurance is useful when you need short-term coverage without committing to a full policy. The need for this type of coverage often arises when test-driving a vehicle before purchase, borrowing a friend’s car for a day, driving a newly purchased four-wheeler home before registering it, renting a car for a short period or transporting a car for servicing or relocation.

How does one-day car insurance work?

One-day car insurance works just like a standard policy but is usually valid for 24 hours or less. Here is how it typically works:

1. You select the duration of coverage, which can range from a few hours to a day.
2. You provide the necessary details like vehicle registration and your driving licence.
3. You receive instant coverage once your documents are verified.
4. Your car is legally insured to drive on public roads for the chosen period.

The policy usually covers third-party liability as mandated by law, and in some cases, may include own damage cover or add-ons like roadside assistance, depending on the insurer and plan.

Limitations and exclusions

While one-day car insurance is convenient, it comes with certain limitations:

• Some insurers exclude older cars or commercial vehicles.
• Coverage duration cannot be extended repeatedly to substitute long-term insurance.
• Some short-term policies only offer third-party cover.
• NCB benefits do not apply to short-duration policies.
• You may not get full access to all add-ons.

Eligibility and documentation required

To be eligible for one-day car insurance, you must typically meet the following criteria:

• Hold a valid driving licence
• Should be at least 18 or 21 years old, based on the insurer’s criteria.
• Provide valid photo ID proof
• Share accurate vehicle details (including RC and registration number)

Required documents often include:

• Driving licence
• Vehicle registration certificate (RC)
• Government-issued photo ID (like Aadhaar, PAN, Passport)
• Occasionally, insurers may require documents confirming you own the vehicle or have permission to use it.

Things to keep in mind before buying

Before you buy a short-term policy, here are a few key things to consider:

• Match the policy duration with your actual need to avoid overpaying or under-covering.
• Check if the insurer is IRDAI-approved.
• Confirm coverage type.
• Review exclusions carefully. Many short-term policies exclude scenarios like participating in a rally, transporting goods, driving in restricted zones, etc.
• Do not skip documentation.

How to buy one-day car insurance in India?

Purchasing one-day car insurance is usually quick and hassle-free, especially through digital platforms. Here is a simple step-by-step process:

1. Visit the insurer’s official website or app
2. Select ‘short-term’ or ‘one-day’ car insurance option
3. Enter required details such as vehicle type, registration number and usage duration
4. Upload the necessary documents
5. Choose the coverage and add-ons (if available)
6. Pay the premium online
7. Receive the policy instantly via email or SMS

Conclusion

In conclusion, the availability of one-day car insurance provides a practical and efficient solution for individuals who require temporary coverage. Exploring options from various providers helps you secure insurance tailored to your unique requirements.

Planning to drive for a day? Whether it is a test run or a borrowed vehicle, we will help you find the right car insurance for it. Just fill out the form provided here, and we will guide you with tailored advice and cover options suited to your situation.

Drive protected, even if it is just for a day.

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.

The Regional Transport Office in Jayanagar, Bangalore, is the central hub for meticulously managing and regulating all vehicle-related aspects. Individuals can easily access and interact with the Jayanagar RTO to enhance convenience through their user-friendly online platform. 

This digital gateway facilitates swift access to services. It ensures a streamlined and efficient experience for vehicle owners and operators. Through this article, we will learn more about the RTO in Jayanagar.

RTO Office in Jayanagar

What are the Different Types of RTO Forms?

The essential forms that play a pivotal role in facilitating seamless processes at the Jayanagar RTO include —

• Form 20: To apply for motor vehicle registration
• Form 21: For generating a sale certificate in vehicle transactions
• Form 23: For obtaining a registration certificate for approved vehicles
• Form 24: To apply for the registration of a motor vehicle
• Form 29: To provide notice of the transfer of ownership of a motor vehicle
• Form 38 A: For conducting inspection reports for vehicle assessments
• Form 50: For preparing a bill of lading required for transporting goods by road.
• Form 51: To furnish a certificate of insurance for comprehensive vehicle coverage
• Form 54: To create an information report of an accident, crucial for insurance claims and legal proceedings

Vehicle Registration Process in Jayanagar      

• Visit RTO Jayanagar: Head to the RTO office in Jayanagar, Bangalore.
• Document Submission: Submit necessary documents, including identification, proof of address, and vehicle-related papers.
• Road Tax Payment: Provide a demand draft for road tax payment.
• Form Submission: Complete and submit the vehicle registration form with the required documents.
• Processing Charges: Pay applicable processing fees for the registration process.
• Verification and Inspection: Undergo vehicle verification and inspection by the RTO.
• Number Assignment: Await the assignment of a unique registration number.
• Registration Certificate Issuance: Once processed, the Registration Certificate is issued, concluding the vehicle registration process in Jayanagar.

Transfer of Ownership of a Registered Vehicle in Jayanagar     

Transferring vehicle ownership in Jayanagar involves a meticulous process. Begin by filling out Form 29 and Form 30, which detail information about the old and new owners, respectively. You must obtain a no objection certificate (NOC) from the State where the vehicle was originally registered. 

For financed vehicles, a NOC from the financier is essential. Obtain a Pollution Under Control (PUC) and vehicle insurance certificates, and pay applicable fees and road taxes. 

Completing the process involves submitting age and address proof documents and passport-sized photographs, ensuring a seamless transfer of ownership at the RTO Jayanagar.

Is it Compulsory to Register Your Vehicle With the RTO?      

Yes, it is mandatory to register your vehicle with the RTO. Vehicle registration is a legal requirement outlined in the Motor Vehicles Act. Registering your vehicle ensures compliance with safety and regulatory standards, and it is necessary for maintaining a comprehensive database of vehicles. 

Vehicle registration is also helpful to the RTO as this office plays a crucial role in monitoring and enforcing traffic rules, conducting safety inspections, and implementing road transportation regulations efficiently.

Four-Wheeler Insurance In Jayanagar    

In Jayanagar, securing four-wheeler insurance is imperative for responsible vehicle ownership. Insurance protects from unforeseen events such as accidents, theft, and third-party liabilities. Investing in car insurance ensures compliance with legal requirements and also safeguards your vehicle on Jayanagar’s busy streets. 

Drive confidently, knowing your car insurance provides a safety net for various on-road uncertainties.

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.  

The RTO in Thiruvanmiyur is a vital institution overseeing and regulating various aspects of road transportation. Thiruvanmiyur is a primarily residential neighbourhood in southern Chennai, Tamil Nadu. The RTO is a crucial administrative body ensuring compliance with motor vehicle regulations and road safety standards. With a focus on facilitating efficient and legal transport operations, the RTO Thiruvanmiyur plays a pivotal role in vehicle registration, licensing, and overall traffic management. 

Explore the services provided for a comprehensive and smooth experience at the RTO Thiruvanmiyur official website. 

RTO Office in Thiruvanmiyur

What are the Different Types of RTO Forms?

The following forms help streamline processes at the RTO Thiruvanmiyur.

• Form 20: Application for motor vehicle registration
• Form 21: Sale Certificate for vehicle transactions
• Form 23: Registration Certificate for approved vehicles
• Form 24: Application for the registration of a motor vehicle
• Form 38 A: Inspection report for vehicle assessments
• Form 50: Bill of lading for transporting goods by road
• Form 51: Certificate of insurance for vehicle coverage
• Form 54: Information report of an accident for insurance claims and legal proceedings

Vehicle Registration Process in Thiruvanmiyur       

• Visit the Thiruvanmiyur RTO: Head to the RTO office in Thiruvanmiyur, Chennai.
• Document Submission: Provide necessary documents, including identification, proof of address, and vehicle-related papers.
• Road Tax Payment: Submit the demand draft for road tax payment.
• Form Submission: Complete and submit the vehicle registration form and the required documents.
• Processing Charges: Pay applicable processing fees for the registration.
• Verification and Inspection: The RTO conducts vehicle verification and inspection.
• Number Assignment: Await the assignment of a unique registration number.
• Registration Certificate Issuance: Once processed, the Registration Certificate (RC) is issued, completing the vehicle registration process in Thiruvanmiyur.

Transfer of Ownership of a Registered Vehicle in Thiruvanmiyur    

Transferring the ownership of a registered vehicle in Thiruvanmiyur entails a methodical process. Begin by filling out Form 29 and Form 30, including details about the new and erstwhile owners.

You must obtain a No Objection Certificate (i.e., NOC) from the State where the vehicle was initially registered. If you have purchased the car through financing, an NOC from the financer is essential. 

Also, secure a Pollution Under Control (PUC) and vehicle insurance certificates, and pay the applicable fees and road taxes. 

Registration involves submitting age and address proof documents and passport-sized photographs, ensuring a smooth ownership transition at the RTO Thiruvanmiyur.

Is it Compulsory to Register Your Vehicle With the RTO?      

It is mandatory to register your vehicle with the RTO. According to the Motor Vehicles Act of 1988, vehicle registration is legally required for ownership and road usage. 

The RTO, such as RTO Thiruvanmiyur, oversees this process to ensure that vehicles comply with safety and regulatory standards. 

Vehicle registration is essential for legal compliance and maintaining a comprehensive database of vehicles operating in the region. It enables the RTO to monitor and enforce traffic rules, conduct safety inspections, and uphold road transportation regulations efficiently.

Four-Wheeler Insurance In Thiruvanmiyur   

Securing four-wheeler insurance in Thiruvanmiyur is imperative for responsible vehicle ownership. Car insurance protects from unforeseen events, including accidents, theft, and third-party liabilities. 

It covers damages to your vehicle and potential liabilities arising from accidents. Obtaining car insurance ensures compliance with legal requirements while safeguarding your vehicle. It also helps mitigate financial risks associated with potential road accidents or incidents. 

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.