With a few precautionary measures, you can increase the efficiency of your car and avoid any breakdown this summer

The summer season is coming and car enthusiasts and holiday goers alike are looking for ways to beat the heat. A long drive in your car is preferred by many as it gives you a sense of freedom and helps you escape the hustle and bustle of daily life.

However, extreme heat and dusty roads can be tough on your car and it poses some challenge to smooth functioning of the car as well. So, before hitting the roads this summer, take some precautions so that your car is safe and it does not break down in the middle of this sultry season.

Change Engine Fluids And Oil Filters

The engine fluids keeps your engine lubricated, which reduces friction and heat build-up under the hood. It can often get overheated during the summer season resulting in breakdowns. The engine oil, coolant fluids and oil filter need to regularly replaced to keep the car engine healthy and efficient.

Check And Monitor Tyre Pressure

It’s imperative to keep your car tyres properly inflated with optimum tyre pressure. Under-inflated tyres can be a recipe for disaster as it can create more friction with the road and generate heat in addition to the soaring temperature.

Get a Radiator Check-Up

Get your car radiator checked and make sure it is adequately filled with coolant in right concentration. The radiator helps in maintaining the engine temperature and any leakage or damage to it may result in overheating of the car.

All in all, a car is serious money and it is necessary to have it running for as long as possible. And to do that, without spending a mini fortune on its maintenance costs, here are a few tips:

1. Choose the correct car

Sounds obvious? But it is probably the most sensible of advices to get the best out of your car. Choose a manufacturer who is known for making time-tested and reliable cars. Choose a model which has a solid reputation behind it. Choose a car whose spare parts are easily available. Talk to your local mechanic to find out the "inside stuff" of various car companies and make an informed choice.

2. Trust the manufacturer's instructions

The manufacturers know their cars better. So it makes sense to follow their instructions on car maintenance. Make it a point to take your car for its scheduled maintenances. If you are thinking about how to go about finding out how often these maintenances are scheduled, don't fret. It's all given at the back of that little book we know as the "Owner's Manual." Oh, yes! We really hardly bother to take a look at it, don't we? But if only we would care to read this book, we wouldn't have to read articles on car maintenance tips. Irony? Sure is!

3. Changing the car's vital fluids

Your car is made up of thousands of moving parts. And what makes, and keeps, these parts moving are the various fluids; the most important being engine oil and transmission, differential, brake and power-steering fluid. It is advisable, nay imperative, to frequently check and, if required, change the fluids. Engine oil needs changing every 5000 miles, transmission fluid, every two years (or roughly 30,000 miles) and engine coolant needs to be checked at least twice a year.

According to a study done by the US Department of Energy, an increase in the average speed from 50 mph to 60 mph results in a 38 percent increase in maintenance costs. If you go 10 mph higher, you are looking at an added 80 percent in repair costs.

Brake fluid is hygroscopic. In simple terms, it absorbs moisture and moisture makes a killer combo with oxygen and metal. It is called rust. It is advisable to flush brake fluid every two years, regardless of how many miles you've driven.

Introduction

Imagine this: You are cruising down a road, wind in your hair, tunes playing, and suddenly, you notice that the temperature gauge on your car’s dashboard has climbed into the danger zone. Engine overheating is a situation that can quickly turn a pleasant drive into a nerve-wracking ordeal. But what causes a vehicle engine to overheat? In this blog, we will dive into the culprits behind engine overheating causes and what you can do to take control of the situation.

Common engine overheating causes and actions

There can be many reasons behind engines overheating, but the problem typically lies with the cooling system. Hence, some common reasons for engine overheating include:

1. Cooling system leak: One of the primary engine overheating causes is a leak in the cooling system, either from a cracked radiator, a damaged hose, or a faulty gasket. The engine cannot retain its optimal temperature when the coolant (anti-freeze) leaks. Regularly inspect your cooling system for visible leaks and replace or repair any damaged components.

2. Faulty radiator fan: This equipment plays a crucial role in dissipating engine heat. The engine can quickly overheat if the radiator fan malfunctions or fails to turn on when needed. Check the radiator fan’s condition and replace it if needed.

3. Broken water pump: The water pump circulates coolant throughout the engine to regulate its temperature. A malfunctioning water pump can lead to overheating.

4. Clogged coolant hose:Coolant hoses carry the coolant to and from various engine components. Coolant flow gets restricted when these hoses become clogged or blocked, causing engine overheating.

5. Low coolant level: Leaks or negligence of routine maintenance can result in low coolant levels, affecting the engine’s capacity to regulate temperature effectively. Check and maintain the coolant level and ensure it is within range.

6. Faulty thermostat: The thermostat regulates coolant flow throughout the engine. A malfunctioning thermostat can disrupt this process and cause overheating.

Difference Between a Hatchback and a Sedan Choosing between a hatchback and a sedan might be difficult for first-time car purchasers or those seeking affordable solutions. You might be gravitating toward these smaller options rather than larger SUVs. In order to assist you in making a wise choice, we will explain the difference between hatchback and sedan in this section.

This post will let you see which best suits your requirements and tastes. With this crucial hatchback and sedan difference, we have got you covered whether you are looking for a utility vehicle or classic sedan styling.

What is the difference between a hatchback & a sedan?

Let’s look at the parameters to know what is the difference between a hatchback and a sedan.

• Design Type

Hatchbacks have a two-box design, combining the trunk and rear window.

Sedans feature a three-box design with separate compartments for the engine, cabin, and trunk.

• Size

Hatchbacks are smaller and more compact, making them easier to maneuver.

Sedans are larger, offering more interior space for passengers and cargo.

• Rear Visibility

Hatchbacks provide better rear visibility due to their design and larger rear windows.

Sedans offer lower rear visibility, often limited by a separate trunk.

• Cabin Space

Hatchbacks typically have less cabin space.

Sedans offer more roomy interiors for passengers.

• Boot Space

Hatchbacks usually come with a smaller boot or trunk space.

Sedans typically offer a larger trunk for storage.

• Fuel Economy

Hatchbacks tend to be more fuel-efficient due to their lighter weight.

Sedans are often less fuel-efficient due to their heavier weight.

• Price

Hatchbacks are generally less expensive than sedans.

Sedans are usually more expensive than hatchbacks.

Driving a car is all fun until one has to drive on a hill or descend a steep slope. Going on a mountain, slope, or other inclined surface is the hardest, and sometimes, people lose control. Thus, to resolve this issue, car manufacturers offer the best technological instruments to make driving uphill much more accessible.

With the help of hill-hold power in cars, one can quickly drive a vehicle on any surface without any hassle, and it also ensures the safety of the drivers and passengers. However, this guide briefly answers what is hill hold control in cars and its benefits. 

How does hill hold control work?

Here are some points on the query: What is hill assist control?

• The hill-hold control is a driver assistance system that prevents the vehicle from rolling back on a slope, uphill, or any inclined surface as the driver starts driving the car from a stationary position. For instance, when an individual moves his/her car on the uphill road from a dead stop position, the vehicle may roll back when one releases the brakes and starts driving again. Rolling back of a vehicle leads to severe accidents, injuries, and sometimes death.
• To resolve rolling backward situations and reduce accidents, car manufacturers use the latest technology and install hill-assist or hill-hold control in cars to allow optimum support.
• The hill hold control applies brakes for a few seconds after one releases the brake to allow additional time so the driver can quickly move the vehicle without rolling back. One can keep the car in a stable position.
• Hill hold control systems work with the help of a pair of sensors such as incline detection, clutch detection, engine torque detection, brake detection, forward roll detection, and backward roll detection. These sensors help quickly detect and measure the longitudinal incline of the hill and engage the braking system.
• This system works automatically whenever the sensor detects the inclined surface.
• It also eliminates the risk of wear and tear on different components in the car.

Use of hill assist control

Hill assist control is designed to ensure a hassle-free and safe driving experience in multiple driving situations where vehicles face inclines. It is useful in the following conditions:

• Urban driving – Useful when driving on flyovers, bridges, or steep roads in crowded cities.
• Mountain roads – Prevents rolling back on hilly or mountainous terrain, reducing stress for the driver.
• Heavy traffic – Helps in stop-and-go traffic on steep roads, ensuring smoother transitions between braking and acceleration.
• Parking ramps – Assists in navigating multi-level parking areas with steep inclines.

Advantages of hill hold assist in cars

Hill hold assist comes with several advantages that enhance driving safety and comfort. Here are some key benefits:

1. Prevents vehicle rollback

It prevents the car from rolling backward when starting on a slope, reducing the risk of collisions.

2. Enhances driver confidence

New or inexperienced drivers often struggle to manage the clutch, brakes, and accelerator on steep roads. Hill hold assist makes the process smoother, giving them confidence.

3. Reduces wear on the clutch and brakes

Frequent use of the handbrake or half-clutch technique can lead to premature wear and tear. Hill hold control minimises this by providing an automated solution.

4. Increases safety in traffic

In heavy traffic situations on inclines, it prevents accidental backward movement, reducing the chances of hitting vehicles behind.

5. Works seamlessly with other safety features

Hill hold control works in coordination with ABS, traction control, and electronic stability control, enhancing overall vehicle stability.

List of cars with hill assist control in India

Many cars in India, especially in the mid-range and premium segments, now have hill hold control. Below is a list of popular vehicles that offer this feature:

Hatchbacks with hill hold control:

• Tata Altroz (DCA variant)
• Hyundai i20 N Line
• Maruti Suzuki Baleno (Automatic variants)
• Volkswagen Polo GT TSI

Sedans with hill hold control:

• Honda City (CVT variant)
• Hyundai Verna
• Skoda Slavia
• Volkswagen Virtus

SUVs with hill hold control:

• Mahindra XUV700
• Tata Harrier
• Hyundai Creta
• Kia Seltos
• MG Hector

Premium cars with hill hold control:

• BMW X1
• Audi Q3
• Mercedes-Benz GLA
• Volvo XC40

Hill hold control is a standard feature in most automatic transmission cars, while it is usually available only in higher trims in manual transmission vehicles.

Conclusion   

As the automotive industry advances, hill hold control is becoming more common, even in budget-friendly models. If you frequently drive on hilly terrain or navigate steep urban roads, choosing a car with this feature can be a smart and practical decision.

Hill hold control enhances safety, reduces maintenance and repair costs, and helps prevent accidents. This can lead to lower premium rates when purchasing car insurance online. Additionally, fewer claims result in a higher no-claim bonus in car insurance, rewarding policyholders for minimal or no claims.

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

Engine flushing is often referred to as an engine oil flush and is a crucial automotive maintenance procedure that rejuvenates your vehicle’s engine.

This process thoroughly cleanses the engine’s internal components to eliminate accumulated sludge and deposits. The objective is to ensure optimal engine performance and longevity. Let’s learn more about engine flushing!

What is engine flushing & its benefits?

If you don't know what is engine oil flush, let’s begin by looking at its definition and benefits.

• Sludge and Deposit Removal

Engine flushing is a meticulous process that entails using specialized cleaning solutions to dislodge and suspend sludge, carbon deposits, and contaminants that accumulate in the engine over time.

• Enhanced Engine Performance

By effectively removing these impurities, engine flushing improves engine efficiency. It leads to smoother operation, reduced friction, enhanced fuel combustion, increased horsepower, and better fuel economy.

• Extended Engine Life

Regular engine flushing prevents sludge formation, reducing the risk of premature engine wear and costly damage.

• Preventative Maintenance

Engine flushing is a proactive measure to prevent future sludge build-up, ensuring your engine operates at peak performance for years.

• Cost Savings

While an initial cost is associated with engine flushing, it can save you money in the long run by preventing major engine issues and expensive repairs or replacements.

• Environmental Benefits

A cleaner engine produces fewer harmful emissions, contributing to a greener and more eco-friendly vehicle operation.

• Improved Reliability

Engine flushing enhances overall vehicle reliability by ensuring that your engine performs optimally, reducing the likelihood of unexpected breakdowns.

Sophisticated methods and intricate treading patterns (designed with computer simulations of real-life driving scenarios) are being employed to create durable tires for Indian roads.

An ideal tire, according to automobile experts, must aid good mileage, wear slowly, provide better steering control and give an overall smoother ride. However, the performance of your car tire depends upon its condition and may diminish over time due to normal wear and tear.

If you take some elementary care of your tires you can guarantee them a longer life and avoid spending a small fortune on a new set of tires. Read on to know five tips that will let you add more miles to your tires:

Tip 1: Maintain Optimum Tire Pressure:

A healthy set of wheels go a long way in maintaining the health of your dream vehicle. Periodic checking of tire pressure gives you more mileage from your engine, while keeping stress away from it.
An under-inflated tire will require more energy to move, leading to lesser fuel efficiency and engine stress. Optimally-inflated car tires will grip the road surface better than either under- or over-inflated tires, leading to better control on the vehicle.
A higher-than-specified tire pressure can be a hazard, since on long drives, the air inside may heat up and expand. This can lead to tire bursts. Also with under inflated tires, the surface contact area decreases dramatically and handling on wet surfaces becomes a major issue.

Tip 2: Check Tire Tread:

New tires have around 8-9 mm of tread depth. This will eventually, become shallower as the tire begins to wear. But the tread depth should never fall below 1.6 mm. So a careful examination of tread wear should be performed before any long drive, as also periodically. Also do check for uneven wear by moving your hand over the tire. It should feel smooth. If it doesn't, either the tires aren't inflated correctly or there is a problem with alignment.

Tip 3: Rotate Your Tires:

Rotation of tires is a good way to have even wearing of tread and a longer tread life. Rotate tires every 5,000 to 8000 kms. Given is an image of a widely used cross-pattern rotation for front- and rear-axled drive vehicles.

While it is important that you read the policy wordings carefully, and understand the meaning in its entirety, here are a few basic terms that will simplify the task and help you take an informed decision.

Insured Declared Value (IDV)

Need : IDV is the current market value of your vehicle.
Benefits :In a vehicle insurance policy, IDV refers to the highest sum assured payable by the insurer. It is the claim amount you are likely to receive in case of a total loss of the vehicle or an instance of theft.
Remember :Opting for a lower IDV might result in the owner of a vehicle receiving an inadequate compensation.

Own Damage Premium

Need :This is the premium paid to avail a cover equal to the IDV, and forms the major part of your total motor insurance premium.
Benefits : Own Damage Premium covers your vehicle against losses due to natural or man-made calamities like earthquake, storm, fire, explosion, etc.
Remember : Own Damage Premium depends on the model, cubic capacity, geographical zones, etc. of the vehicle.

Zero Depreciation Cover

Need : When you make a claim, standard insurance policies deduct depreciation on replaced parts.
Benefits : If you opt for a Zero Depreciation cover, insurance companies waive off depreciation on such replaced parts. This means that you get a higher claim amount.
Remember : It is generally applicable for the first few claims as per the terms of insurance.

Filling your vehicle's tank with the incorrect fuel type is an easy but potentially costly mistake. While misfuelling a diesel-powered vehicle with petrol is common due to the larger nozzle on diesel dispensers, it's essential to learn what will happen if diesel is used in petrol engine. This blog explores the consequences and solutions for such misfuelling incidents, emphasising the importance of using the right fuel.

What happens if you put diesel in a petrol car or vice-versa?

Given below are some of the issues that can arise from misfuelling: 

Misfuelling with Diesel in a Petrol Car:

• Clogging of Fuel System: Diesel has a thicker consistency than petrol and can clog the fuel system in a petrol car. It includes the fuel lines, injectors, and the fuel filter.
• Spark Plug Issues: Diesel's properties can lead to issues with the spark plugs, affecting the ignition process and potentially causing misfires.
• Fuel Filter Damage: The fuel filter in petrol engines is not designed to handle diesel, and its use can lead to fuel filter damage.
• Engine Misfires: Misfuelling can result in engine misfires, producing exhaust smoke and potentially causing the car to stall.
• Reduced Fuel Efficiency: The incorrect fuel can lead to reduced fuel efficiency, increasing fuel consumption and operating costs.
• Engine Damage: If the engine is started with diesel in the petrol car, it can lead to significant engine damage and potentially costly repairs.

Misfuelling with Petrol in a Diesel Car:

• Lubrication Issues: Diesel engines rely on the lubricating properties of diesel fuel to operate efficiently. When petrol is used, it lacks the necessary lubrication, leading to potential damage.
• Combustion Problems: Petrol doesn't ignite in the same way as diesel. It can cause combustion issues, leading to poor engine performance, knocking, and potential damage to the engine.
• Fuel System Contamination: Petrol can contaminate the diesel fuel system, including the fuel lines, injectors, and the fuel tank. This contamination can lead to clogs and reduced engine efficiency.
• Starting Problems: Attempting to start a diesel engine with petrol in the tank can result in difficulty starting or even engine stalling.
• Emission Concerns: Misfuelling can increase emissions, contributing to environmental pollution and potentially violating emissions regulations.

What are the consequences of misfuelling?

Misfuelling, or putting the wrong type of fuel into a vehicle, can lead to serious complications. Here is why this is problematic: the primary difference between petrol and diesel engines is their combustion process.

 Diesel engines use compression ignition, while petrol engines use spark ignition. Because diesel is denser and oilier, it's designed to self-ignite under high pressure. Petrol lacks these lubricating properties, and when introduced into a diesel engine system, it can cause insufficient lubrication, leading to metal components grinding against each other. This can lead to significant wear and tear, possibly damaging the engine's internal components.

To ensure the longevity and optimal performance of your vehicle, it's crucial to use the fuel specifically designed for its engine type.

What to do if your car is filled with the wrong fuel?

If you've misfuelled your vehicle, follow these steps:

1. Do not start the engine: Turning the engine on can circulate the incorrect fuel, exacerbating potential damage.
2. Inform petrol station staff: They can assist in moving your vehicle to a safe location.
3. Put the vehicle in neutral: This allows the car to be moved without engaging the engine.
4. Call for professional assistance: Contact your breakdown service or a specialised fuel drainage company to remove the contaminated fuel safely.

Taking these steps promptly can prevent significant damage and reduce repair costs.

Remedial instructions for wrong fuelling

Depending on the situation, different remedial actions are necessary:

• If the Engine Has Not Been Started:

  • Do not turn the ignition on.
  • Arrange for the vehicle to be towed to a service centre.
  • Have professionals drain and flush the fuel system.

• If the Engine Has Been Started:

  • Turn off the engine immediately.
  • Do not attempt to restart the vehicle.
  • Seek professional advice to assess and repair any damage.

Attempting to address the issue without professional help can lead to further complications.

Tips to avoid misfuelling

Preventing misfuelling is crucial and can be achieved through the following measures:

• Stay Attentive: Always double-check the fuel type before refuelling.
• Label the Fuel Cap: As a reminder, a clear label indicating the correct fuel type is near the fuel cap.
• Choose Familiar Fuel Stations: Using the same fuel stations can reduce confusion due to consistent pump layouts.
• Avoid Distractions: Focus solely on the refuelling process to prevent mistakes.

Implementing these practices can help prevent the inconvenience and potential costs associated with misfuelling that could impact the premium and other components of your car insurance policy.

Conclusion   

Now you know what happens if you put diesel in a petrol car and vice versa. It is a more common mistake than one might think. You must stay focused and alert when refuelling your vehicle to avoid such errors. Avoid refuelling when tired, place reminders near the fuel cap, and always use the correct fuel type. Additionally, having car insurance is a legal requirement in many countries, providing financial protection in case of accidents, theft, or damage. Car owners must be adequately insured to avoid legal penalties and financial risks.

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.

Connected cars are a game-changer in the automotive industry, merging cutting-edge technology with our daily commute. These vehicles are more than just modes of transportation; they are smart, interconnected device connected car with comprehensive car insurance is essential to safeguard on wheels. In this era of rapid technological advancement, connected cars are getting more and more attention. These cars bring a whole new level of fun and convenience, not to mention safety and eco-friendliness, to our driving experience. In this blog, we’ll explore the features and benefits of connected cars and see how they are reshaping the way we drive and relate to our vehicles.

Benefits of Connected Cars

Connected cars offer many advantages. Some of the benefits of connected cars are:

• Access to Infotainment Services

Connected car provides access to various infotainment services, such as music, radio, movies, news updates, and even text or WhatsApp notifications.

• Navigation with Third-Party Apps

These vehicles support navigation systems through third-party apps, ensuring real-time traffic updates and route guidance for efficient navigation to destinations.

• Enhanced Safety Features

Connected cars come equipped with modern safety features that contribute to optimum road safety, such as parking sensors, rear-view cameras, and sensors for air pressure measurements.

• Remote Access to Functions

One can remotely control certain car functions via smartphone applications. These include locking or unlocking doors, starting the engine, and adjusting the climate control system from a distance.

• Advanced Safety Monitoring

Many connected cars include advanced safety features that enable vehicle monitoring and notify accidents, break-ins, or other incidents to enhance peace of mind, even when the car is not in use.

Features of Connected Cars

Having explored the connected car benefits, it's time to understand its features:

• Safety

Connected cars provide controlled driving speeds and distances to warn against threatening conditions. They often feature parking sensors with rear-view cameras. Some models include additional sensors to monitor air pressure and notify the driver of any issues.

• Traffic Management

Modern connected cars have integrated GPS devices that offer real-time traffic updates through Bluetooth or wireless internet connections. These updates help in avoiding traffic jams and ensuring timely arrival at the destination.

• Vehicle-to-Vehicle Communication

Connected cars can communicate with one another, sharing data about traffic flow, road conditions, speed limits, and other such details. This information helps improve the overall road safety.

• Eco-Friendly Features

Even today, a significant number of vehicles continue to operate on traditional fuel sources, resulting in a substantial increase in carbon emissions. Connected vehicles, however, present a more environmentally responsible choice. They furnish real-time data about individuals travelling in the same direction and in need of transportation. Offering them a ride can contribute to a reduction in the emission rate. This contributes positively to environmental conservation and the promotion of sustainable transportation practices.

• Convenient Services

The integration of connected cars into our daily lives is likely to revolutionise the driving experience. Service stations will be able to remotely inspect the vehicle's condition, ensuring it remains in optimal shape. Connected cars provide users with real-time information about nearby parking spaces, thereby enhancing the convenience of the parking process. Advanced driver assistance systems reduce driving burdens, and these vehicles can recommend hotels or restaurants along the route. Electric-connected cars even locate the nearest charging points.

• Infotainment

Connected cars offer various applications for music, radio, movies, news, and notifications. These infotainment services enhance the overall driving experience.

You probably know that car insurance provides vehicle owners with financial security and peace of mind. It is a safeguard in the face of unexpected events, whether it is a minor fender-bender or a major collision. One common question is, "How many times can car insurance be claimed?" The answer might surprise you. Here, we will explore the possibilities and repercussions of making multiple claims under your car insurance policy, along with how these claims might affect your coverage and premiums.

How Many Claims Are Allowed in Car Insurance in a Year?

The good news for policyholders is that there is generally no restriction on the number of claims you can make under your car insurance policy within a given year. The objective of car insurance is to serve as your financial safety net when unexpected accidents or damage occur. It does not get limited by the number of claims you can file. So, if you find yourself in situations where you face frequent damage to your vehicle due to accidents, you can confidently file as many claims as necessary.

This flexibility is a fundamental aspect of car insurance and a testament to the industry's commitment to assisting vehicle owners in need. Your policy remains in effect even after you've made a claim, ensuring you can continue receiving coverage and protection.

How Many Car Insurance Claims Are Too Many?

 There is no limit to the number of insurance claims you can make in a year. However, experts suggest against filing a claim if the damage is minor such as a broken mirror. Go for a car insurance claim only in case of major repairs and accidents, as multiple claims within a year can affect your premium and nonclaim bonus.

What Happens if You Make Multiple Car Insurance Claims?

Even though there's no specific limit to how many times insurance can be claimed, you must consider the potential consequences of filing multiple claims on your car insurance. Here are some key points to keep in mind:

• Premium Increases

One of the primary concerns with multiple claims is the possibility of an increase in your car insurance premium. Insurance companies may view policyholders who frequently file claims as higher-risk individuals. To mitigate potential future payouts, insurers often raise premiums. The increased premium can be a significant financial burden, making it essential to weigh the benefits of filing a claim against the potential cost increase.

• Loss of No-Claim Bonus

Many car insurance policies include a valuable feature known as the No-Claim Bonus (NCB). The NCB offers policyholders a premium discount as a reward for remaining claim-free during a specific period. If you frequently file claims, you may lose this NCB benefit, increasing your premium. When deciding whether to file a claim or cover the expenses independently, you must consider this.

• Policy Cancellation

While it's less common, there is a possibility that insurers may choose not to renew your policy if you consistently file multiple claims. If this occurs, you may search for a new insurance provider, potentially facing higher costs or limited coverage options. To avoid this situation, you must use your comprehensive car insurance wisely and consider the long-term implications of frequent claims on your policy.

• Lower Claim Settlements

Frequent claims can lead to insurers scrutinising each claim more closely, resulting in lower claim settlements. As insurance companies perceive you as a higher risk, they may be less willing to provide full compensation for your claims. It's important to be prepared for the potential of lower claim settlements if you file multiple claims.

• Deductibles

Most car insurance policies come with deductibles, representing the portion of repair costs the policyholder is responsible for paying. When you file multiple claims, you may have to pay multiple deductibles. These expenses can add up and may not be financially viable in the long run.

• Underwriting Concerns

Insurance companies use a process called underwriting to assess the risks associated with policyholders. Frequent claims can raise concerns during the underwriting process, making finding coverage harder or more expensive. It can be especially challenging if you're looking to switch insurance providers.

• Repair Shop Choice

Some insurance providers may restrict your repair shop choice if you file claims frequently. They may have preferred repair centres they work with, which can limit your options and potentially affect the quality of repairs. Be aware of these restrictions when making multiple claims.

Conclusion      

Car insurance provides financial protection when accidents and unforeseen events occur, and you can utilise it to your advantage. However, it's crucial to consider the potential consequences of filing multiple claims, including premium increases, NCB loss, and policy cancellation. While the freedom to file multiple claims exists, using your car insurance wisely and considering the long-term implications of frequent claims on your policy and finances is essential.

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

You are on the hunt for a car that adds a touch of luxury to your daily drives, but you are also mindful of your budget. Good news! You don't need to break the bank to enjoy the comfort and style of a car with a sunroof. This can be a vital decision since sunroofs are essential components that heavily influence passenger comfort as well. There are many panoramic sunroof cars under Rs 10 lakhs. You only need to do a bit of research to decide which one matches your style. Here are some of your options. 

Best Sunroof Cars Under 10 lakhs

1. Tata Nexon XMS

It is a popular compact SUV that offers a spacious cabin, powerful engines, and a host of features. The XMS variant of the Nexon comes with an electric sunroof, features like automatic climate control, multi-drive modes, rear AC vents, and a 7-inch touchscreen infotainment system. The Nexon XMS is priced at Rs 8.37 lakh for petrol.

2. Mahindra XUV300 W6: 

It is another compact SUV that offers a sunroof in its W6 variant. The XUV300 W6 has features like LED tail lamps, steering-mounted controls, electrically adjustable ORVMs, and a 7-inch touchscreen infotainment system. The XUV300 W6 is priced at Rs 10 lakh for the petrol version and Rs 11 lakh for the diesel version.

3. Honda Jazz ZX

It is a premium hatchback with a spacious, comfortable cabin and a refined petrol engine. The ZX variant of the Jazz comes with an electric sunroof and other features like LED headlamps, push-button start, dual-zone auto AC, and a 7-inch touchscreen infotainment that supports Apple CarPlay and Android Auto. The Jazz ZX is priced at Rs 9.43 lakh for the manual transmission and Rs 10.41 lakh for the automatic transmission.

4. Hyundai i20 Asta

It is one of the most attractive hatchbacks in India, thanks to its stylish design, feature-rich cabin, and peppy engines. The Asta variant of the i20 comes with an electric sunroof, along with other features like LED DRLs, projector headlamps, wireless phone charger, rear AC vents, and a 10.25-inch touchscreen infotainment with Android Auto and Apple CarPlay. The i20 Asta is priced at Rs 9.29 lakh for petrol.

5. Honda WR-V VX Petrol

It is a crossover with a rugged look, spacious cabin, and reliable performance. The VX variant of the WR-V comes with an electric sunroof, along with other features like LED DRLs, alloy wheels, cruise control, keyless entry, and a 7-inch touchscreen infotainment with Android Auto and Apple CarPlay. The WR-V VX Petrol is priced at Rs 9.89 lakh.

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.

Updated on - 28 Apr 2026

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 see if third party car insurance is mandatory.

What is The Meaning of Third-Party Car Insurance?

Let’s address the main question first, 'Is third-party insurance mandatory when buying a car?' 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 insurance is mandatory in India, as per the Motor Vehicle Act of 1988.

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 insurance.

What is Covered Under a Third-Party Insurance Plan?

When it comes to the coverage inclusions of third-party 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 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 insurance.

FAQs

1. What happens if you drive a car without third-party insurance in India?

Driving without third-party insurance is a legal offence under the Motor Vehicles Act, 1988. You may face penalties such as fines, imprisonment, or both. Additionally, you will be personally liable to compensate for any damage or injury caused to a third party.

2. Does third-party insurance cover damage to my own car?

No, third-party insurance does not cover damage to your own vehicle. It only compensates for injuries, death, or property damage caused to others. For own-damage protection, you need a comprehensive car insurance plan.

3. How is compensation decided in third-party insurance claims?

Compensation for third-party claims is determined by a Motor Accident Claims Tribunal (MACT). The claim amount is based on factors like the extent of injury, property damage, loss of life, supporting evidence, and documentation.

4. Can I upgrade from third-party insurance to the best car insurance plan?

Yes, you can upgrade your policy from a basic third-party cover to the best car insurance plan, typically a comprehensive policy. This allows you to include own-damage cover and add-ons like zero depreciation, roadside assistance, and engine protection.

5. Will third-party insurance be enough for complete car protection?

While it meets legal requirements, it may not be enough for complete financial protection. It does not cover your own vehicle’s damages or theft, so many vehicle owners opt for broader coverage to reduce out-of-pocket expenses in various scenarios.

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.