Updated on - 19 Feb 2026

As per the provisions of the Motor Vehicles Act, car insurance is compulsory in India. But if one does not drive his/her car much or owns more than one car, it can become a financial burden. To avoid paying hefty insurance premiums in such situations, you can avail of pay-as-you-drive car insurance. We will explain how pay-as-you-drive car insurance works, its features, inclusions, and exclusions. We will also look into tips to lower the premium with pay-as-you-drive car insurance.

By the end of this article, we hope to provide a comprehensive understanding of pay-as-you-drive car insurance and its benefits to help our readers make an informed decision regarding this policy.

What is pay as you drive car insurance?

This implies “usage-based” car insurance. It allows one to pay for insurance based on the distance a person drives and how frequently he/she use the vehicle, rather than a flat fee. This means that those who drive their cars less pay a lesser amount as a premium, which can be beneficial for those who do not use their cars frequently.

In India, the Insurance Regulatory and Development Authority of India (IRDAI) has allowed insurers to introduce tech-enabled concepts, including pay-as-you-drive car insurance. One of the key advantages of PAYD car insurance is that it benefits those who do not use their car frequently. For instance, people who work from home, use public transport, or have multiple vehicles may not need to use their car frequently, resulting in lower premiums for them. PAYD car insurance can also benefit those who drive safely and follow traffic rules, as they can avail of discounts on their insurance premiums.

Overall, pay per mile car insurance is a useful innovation in the world of car insurance that can provide benefits for both drivers and insurers. It provides a fairer way of determining premiums and encourages responsible driving habits, making it a win-win for everyone involved.

How does pay as you drive car insurance work?

Pay-as-you-go car insurance is an excellent policy for individuals who don’t frequently drive or have low mileage, as it allows them to save money on their car insurance premiums.

The premium for pay-per-mile car insurance is calculated based on the number of kilometres driven by the driver. If a person drives the car for less than 15,000 km in the relevant year, the insured is eligible for the PAYD policy. The number of miles or kilometres travelled is determined through odometer readings declared by the insured.

Those eligible for a pay-as-you-drive car insurance plan can also avail of a discount of up to 10% on their “own-damage” insurance premium. The claim settlement process for the PAYD plan is similar to any other car insurance policy. This insurance is an excellent option for people who do not use the car frequently because if the mileage limit exceeded, you may have to pay an additional premium. Therefore, it is essential to calculate the estimated mileage beforehand to avoid any surprises in the future.

Features of the pay as you drive car insurance policy

The PAYD policy is a significant instrument for those who do not drive much or own more than one car. This type of plan helps these people save significantly on their insurance premiums. The notable features of the PAYD insurance plan are:

• The PAYD policy lasts for one year.
• The premium is calculated based on the odometer reading.
• Get a discount of up to 25% on the own damage portion of your car insurance.
• You can opt for the add-on coverage.
• This policy provides coverage for your own damage and also third-party liability.

Inclusions of pay as you drive insurance policy

Here are the inclusions of PAYD car insurance policies:

• Damage caused due to accidents
• Theft or vandalism
• Damage due to natural disasters
• Third-party liability
• Damage due to fire or explosion

Exclusions of pay as you drive car insurance policy

Like all insurance policies, PAYD car insurance policies have certain exclusions that policyholders need to be aware of. These exclusions are:

• Intentional damage
• Driving under the influence of drugs/alcohol
• Driving the car without a valid driving license
• Depreciation
• Damage due to electrical or mechanical failure

Tips to lower the premium with PAYD insurance

Since pay-as-you-drive car insurance is a type of auto insurance that bases its premium on how much and how safely a driver drives, here are some tips that policyholders can follow to lower their premium with PAYD insurance:

• Drive less: The less you drive, the lower your premium will be. If possible, try to carpool or use public transportation to reduce the number of miles you drive.
• Drive safely: Safe driving habits like obeying traffic rules and driving within the speed limit can help lower your premium.
• Choose a car with safety features: Cars with safety features like airbags and anti-lock braking systems can help lower your premium.
• Do not drink and drive: Drinking and driving are dangerous and can increase your insurance premium.
• Follow defensive driving techniques: Defensive driving techniques can help reduce your risk of getting into an accident.

Conclusion

Pay-as-you-drive insurance helps you save money if you don’t drive your car a lot. You pay based on how many kilometres you drive, so the less you drive, the less you pay. It still gives you full protection, including third party car insurance and coverage for damage to your own car. If you want a simple and budget-friendly way to stay insured, PAYD is a smart choice.

FAQs

1. How does PAYD insurance help me save money?

PAYD insurance lets you pay based on how much you drive. If you use your car less, you can save up to 25% off your own damage premium.

2. What happens if I exceed the kilometres in my chosen slab?

You can either upgrade your slab or pay for extra kilometres. Insurers usually give you flexible options to stay covered without a hassle.

3. Can I still get add-ons with PAYD insurance?

PAYD plans work just like standard ones when it comes to add-ons. You can boost your coverage with options like zero depreciation, roadside assistance, and more.

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 - 09 Feb 2026

When buying car insurance, many people wonder if compulsory third-party (CTP) cover is automatically part of a comprehensive plan. Both terms often appear together, but their roles are quite different. Third-party insurance protects others affected by your vehicle, while comprehensive cover safeguards your own car as well. Understanding how these two work together helps you choose the right policy without paying for unnecessary add-ons or missing essential protection.

Let’s break down how CTP and comprehensive cover differ, and whether one includes the other.

What is CTP (compulsory third-party) insurance?

Compulsory third-party (CTP) insurance, also known simply as third-party insurance in India, is a basic motor insurance cover required by law in India. It covers damages or injuries caused to third parties, their vehicles or property by your vehicle. This type of insurance ensures that victims receive compensation for their losses while protecting you from hefty legal or financial liabilities.

Is CTP mandatory in India?

Yes, third-party insurance is mandatory in India under the Motor Vehicles Act, 1988. Every vehicle owner must have this basic coverage before the vehicle is legally allowed on the road. Driving without valid third-party insurance is a punishable offence.

The penalty for not having third-party insurance can be a fine of up to ₹2,000 for the first offence and ₹4,000 for subsequent ones, along with possible imprisonment for up to three months. Additionally, the driver becomes personally liable for any injury or damage caused to others in an accident, and authorities have the right to seize the uninsured vehicle until valid insurance is obtained. 

Difference between CTP and comprehensive cover

Knowing the difference between third-party insurance and comprehensive car insurance is crucial to ensure they have the right protection while meeting legal requirements.

Is compulsory third-party cover included in comprehensive insurance?

Yes, third-party cover is included in a comprehensive car insurance plan. In India, a comprehensive plan provides two types of protection: third-party liability cover and own-damage cover for your vehicle.

The third-party cover ensures that any injury, death or property damage caused to another person by your vehicle is financially taken care of. The own-damage cover protects your car against risks such as accidents, theft, fire, natural calamities and vandalism.

In simple terms, when you purchase comprehensive insurance, you automatically receive third-party protection along with wider coverage for your own vehicle. This makes it a complete plan that safeguards both you and others on the road.

How to add CTP to your comprehensive policy?

You do not need to add third-party cover separately to your comprehensive car insurance plan, as it is already included by default. As mentioned, comprehensive insurance in India provides both third-party liability cover and own-damage protection under a single plan.

If you wish to renew or upgrade your policy for enhanced coverage, you can do so easily by following these steps:

1. Contact your insurer: Reach out to your insurance provider through their website, app or customer service helpline.
2. Choose a comprehensive plan: Ask for a comprehensive car insurance plan that includes both own-damage and third-party coverage.
3. Submit necessary details: Provide your vehicle registration number, policy details and identification documents.
4. Pay the premium: Once the insurer calculates your updated premium, make the payment to activate your coverage.
5. Receive updated policy documents: You will get a revised policy document showing both own-damage and third-party protection.

It is always recommended to keep your third-party cover active, as it is legally required and ensures financial protection against liabilities to others in case of an accident.

Conclusion

Understanding the difference between third-party and comprehensive car insurance is essential to ensure complete protection for your vehicle and financial safety. While third-party motor insurance is a legal requirement covering injuries to third parties, comprehensive insurance safeguards you for your own damages as well. Maintaining both gives you peace of mind on the road and ensures you’re covered in every situation.

If you’re planning to review or upgrade your car insurance, take a moment to fill out the form on this page to get expert advice.

FAQs

1. Can I buy both CTP and comprehensive insurance from the same insurer?

Yes, many insurers offer both policies, allowing you to conveniently purchase and manage them together.

2. What does CTP insurance cover?

Compulsory third-party, or simply third-party insurance, covers damages to third parties in an accident caused by your vehicle.

3. What does comprehensive car insurance cover?

Comprehensive insurance covers damages to your vehicle due to accidents, theft, fire or natural disasters, as well as third-party damages.

4. Is third-party insurance mandatory in India?

Yes, every registered vehicle must have valid third-party liability insurance to be legally driven on Indian roads.

5. Can I convert my existing third-party insurance plan to a comprehensive one?

Yes, you can upgrade by applying to your insurer, submitting the required documents and paying the premium difference.

6. Why should I have both CTP and comprehensive insurance?

Having both ensures legal compliance and full financial protection against third-party liabilities and personal vehicle damage.

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

Are you tired of the limited coverage your third-party car insurance policy provides? Do you want to broaden the protection for your vehicle and yourself? Well, converting to a comprehensive policy might just be the solution you need! However, before making the switch, there are crucial factors you need to consider. In this article, we will guide you through the changes you must remember while converting to a comprehensive policy. We will also walk you through the simple process of switching your insurance policy and getting the coverage you deserve.

Consider changes while switching to comprehensive policy

When considering switching from a third-party car insurance policy to a comprehensive one, there are a few important factors to keep in mind. 

• Premium cost:

A third-party policy only covers liabilities related to third-party involvement in an accident in car insurance. It includes third-party property damage, injuries, and legal liabilities. However, it does not cover the car's damage. Switching to a comprehensive policy offers broader coverage. Understandably, with an increased scope of coverage comes an increased cost. The premium cost depends upon factors like make and model, riders, age of the vehicle, etc.

• Coverage scope:

In terms of coverage, a comprehensive policy will protect your car from damage caused by natural calamities, fire, vandalism, and theft. If your car gets stolen, it is crucial to inform the insurer and the police as soon as possible. Make sure you obtain a non-traceable report from the police, as it is necessary during the claim processing.

• IDV is crucial:

When setting the IDV for your car, ensure that it is accurate and reflects the current market value. This is the maximum amount your insurer will pay in the event of theft or severe damage to your vehicle. Deductibles are key considerations because they are the amount you must pay out of your pocket at the time of claim settlement.

• NCB:

If you renew your comprehensive car insurance policy without raising a claim, you will be eligible for a No Claim Bonus (NCB), which helps in saving money on your policy premium. It can be as high as 50% for the fifth consecutive year of no claims.

Process to switch your insurance policy

Switching from a third-party policy to a comprehensive one is a great pick. The process is easy, and you can do this online. Let’s go over the steps.

• Begin by researching and comparing policies offered by various insurance providers. Once you have selected a provider, navigate to their car insurance page and enter your car number. 

• Skip the past policy number section and proceed to buy a comprehensive policy. It is vital to accurately set the car’s Insured Declared Value (IDV) and purchase any additional coverage or add-ons you may require. Be sure to read the policy’s terms and conditions carefully before making a payment.

• Depending on your insurer, your vehicle may be subject to a thorough inspection prior to policy issuance. If an inspection is necessary, you will need to choose a date.
  

• After your application is approved, you will receive your motor insurance policy in your mailbox within a few days.

Remember, inspections may not be necessary for each renewal, but keeping your insurer updated on any changes to your vehicle or driving habits is vital.

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.

CPA (Compulsory Personal Accident) coverage in India is mandatory for all motor insurance policies, including third-party and comprehensive insurance. This ensures that you drive following the rules and regulations. This coverage provides insurance against death or disability resulting from an accident, with personal accident coverage. The policy payout percentage varies based on the type of injury sustained. Personal accident coverage can protect individuals from costly medical bills and vehicle repairs.

What is CPA cover in car Insurance?

If you purchase a comprehensive car insurance policy, your vehicle gets protection from various risk factors, including third-party liability. The CPA cover in car insurance is mandatory for comprehensive policies as well as for new vehicles purchased after September 1, 2018. It is important to note that you must pay the premium for CPA for the first three years. The comprehensive insurance policy provides protection from theft, vandalism, and natural disasters. Add-on covers can be purchased as needed. You can customise your policy to meet your individual needs.

Things covered under CPA cover in car Insurance

The CPA cover provides compensation in the following scenarios:

• Accidental death: In the unfortunate event of the owner-driver's death due to a car accident, the nominee receives 100% of the sum insured.
• Permanent total disability: If the owner-driver suffers a permanent total disability, the compensation is as follows:
  • Loss of two limbs or sight of two eyes: 100% of the sum insured.
  • Loss of one limb or sight of one eye: 50% of the sum insured.
  • Permanent total disablement from injuries other than those named above: 100% of the sum insured.

Situations when the CPA cover does not apply

The CPA cover has specific exclusions, including:

• Intentional self-harm or suicide: No compensation is provided if the injury or death results from intentional self-harm or suicide.
• Driving under the influence: Accidents occurring while the owner-driver is under the influence of alcohol or drugs are not covered.
• Outside geographical limits: Incidents occurring outside the geographical area specified in the policy are excluded from coverage.

Is personal accident cover a mandatory requirement?

Yes. All insurance companies are required to offer CPA to all policyholders. Both third-party and comprehensive policyholders must have at least Rs 15 lakh of coverage. You can pay a higher premium to enhance your scope of coverage. Many insurance companies provide various options to meet your specific needs.  

Benefits of a compulsory personal accident policy cover

• The process of purchasing personal accident insuranceis straightforward, with minimal documentation and no medical tests required.
• Accident insurance is essential in preparing for unexpected situations resulting in disability.
• Accident coverage compensates the policyholder's family, enabling them to maintain their lifestyle and pay off liabilities after the insured person's demise. Knowing that your family will be financially secure even in your absence provides peace of mind.
• Personal accident policies offer worldwide coverage with no geographical limitations to compensation. Claim processes are simple, and ambulance expenses are usually covered.

How to claim CPA cover in car Insurance?

To claim the CPA cover, follow these steps:

1. Immediate intimation: Inform your insurance company about the accident and the losses incurred as soon as possible.
2. Documentation: Obtain a First Information Report (FIR) from the police and a Final Report (FR). Collect medical records, hospital bills, and any other relevant documents.
3. Claim form: Fill out the claim form provided by the insurer accurately, attaching all necessary documents and photographs of the accident scene.
4. Submission: Submit the completed claim form and documents to the insurance company for verification.

In case of the owner-driver's death, the nominee should initiate the claim process. Upon successful verification, the insurer will disburse the compensation as per the policy terms.

Conclusion

The Compulsory Personal Accident (CPA) cover is an indispensable component of car insurance, offering crucial financial protection to owner-drivers against the uncertainties of road travel. Before purchasing a car insurance policy, reviewing and understanding its terms and conditions, inclusions, and exclusions is crucial. Policyholders can ensure appropriate coverage to protect themselves and their families by doing so. You can buy 4-wheeler insurance online from the website of the insurer or an aggregator.

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.

Everyone wants to get the best out of the money they invest. So, whether it is buying a new car or a car insurance policy for that car, getting the best deal makes the buying experience worthwhile. 

Although third-party liability cover is mandatory, you can choose a comprehensive car insurance policy to get broader coverage, but even that might leave certain gaps in protection. This is where car insurance riders come into the picture. Add-ons like zero-depreciation, personal belongings, roadside assistance, etc., can help you stay adequately protected against unforeseen risks. They provide added security and take into consideration specific risks and scenarios.

Vehicle purchase document

The first document you need to collect is the original invoice of the vehicle. Check for the owner's name, chassis number, engine number and other essential details. It will help you confirm the real owner of the car or bike and also help you determine whether the vehicle is being sold for the first time. If the seller is not able to provide it, he/she should give a receipt to serve the purpose. This add-on eliminates the possibility of out-of-pocket expenses and gives you complete peace of mind as you know you will be compensated fully by the insurer. It is highly recommended for new and premium cars since it helps to decrease the expenditures involving losses.

These add-on covers or motor insurance riders can ensure 360-degree protection for your car against all contingencies.

There are many car insurance add-ons that you can opt for enhanced protection. These can be obtained by paying a nominal premium.

Engine protection cover

The engine is undoubtedly the heart of any car. Surprisingly, ordinary comprehensive car insurance policies do not offer any coverage for damages to the engine. Thus, adding an engine protection cover becomes crucial to safeguard this vital part of your car from damage. This insurance cover is beneficial for expensive cars, whose engine repair costs can be very high. It takes care of costs against damages to engine parts, differential parts and gearbox parts. A standard car insurance policy doesn’t generally cover these.

Note that there are certain exclusions under this add-on. For instance, if you have made repeated attempts to start the engine when your car is submerged in water, it’s considered a deliberate attempt to damage the engine. In this case, the insurer will reject your claim. Also, if you try driving your car with a damaged bonnet, there is a chance of lubricating oils entering the engine. In this scenario, too, your insurer can reject your claim.

Zero depreciation cover

A car’s value begins to depreciate once it exits the showroom. Over the years, it has come down significantly. In case of any insurance claim, the insurer would compensate you after factoring in the depreciated amount. However, things are different with a zero depreciation cover. It helps to protect your car against all kinds of physical damage without taking into consideration the depreciation factor.

This add-on eliminates the possibility of out-of-pocket expenses and gives you complete peace of mind as you know you will be compensated fully by the insurer. It is highly recommended for new and premium cars since it helps to decrease the expenditures involving losses.

Roadside assistance cover

Imagine going on a long drive with your family and suddenly your car breaks down in the middle of the road. There’s no mechanic or garage nearby where you can approach for help. In such a scenario, a roadside assistance cover is your most trusted ally.

Many insurance companies nowadays offer 24 X 7 emergency assistance services like refuelling, tyre change, towing, arranging for a mechanic etc. in case of sudden breakdowns. This particular add-on cover can be very helpful during emergencies when your car suddenly breaks down in the middle of a road and you require professional assistance.

Return to invoice cover

This add-on is particularly helpful for recovering financial losses when your car is damaged beyond repair. With this additional rider, you can get the original invoice value of your car in case of a total loss. Usually, you don't get the road tax and registration fees that you paid while purchasing the insurance policy. You only get the insured declared value of your car. However, the return to invoice cover gives you the full invoice value. It allows you to bridge the gap between the declared insurance value and the actual value of the car.

Personal accident cover

Sometimes, accidents can lead to disability, which prevents a person from carrying out daily tasks. During such a scenario, the cost of treatment and daily expenses can be tough to cover out of pocket. A personal accident cover enables you to protect yourself financially against such situations.

In case of a partial or permanent disability due to an accident, the insurer provides a lump sum to you or your nominee which will help you to cover the loss of income to an extent. As per the latest motor vehicle rules, it is compulsory for all the vehicle owners in India to have a minimum personal accident cover of Rs. 15 lakh to drive on the road.

Personal belongings cover

Many people travel in a car with expensive laptops, smartphones, tablets, jewellery, etc. An accident or calamity can damage these expensive gadgets and items beyond repair. Generally, such damages are excluded by standard insurance policies. However, by opting for personal belongings coverage by paying a nominal extra premium, you can protect your costly belongings from damage or theft.

However, it’s equally important to be mindful of the exclusions under this cover. You will not get covered for losses due to negligence and in scenarios where you failed to lock the doors and windows properly.

Like the above-mentioned add-on riders, many car insurance companies also offer other value-added features to improve basic coverage. Such benefits can actually reduce your financial loss to a great extent, during accidents, theft or calamities. Therefore, it’s prudent to check and include some of these add-ons to your car insurance plan to keep driving worry-free.

How to choose add-ons?

You might be tempted to include all add-ons to your policy to get complete coverage. However, that would not be a smart move; you should analyse and select the right add-ons that may be useful to you.

• Assess your driving habits and frequent travel areas: If you often drive through flood-prone regions, an engine protection cover becomes essential.
• Consider your car's value and type: For premium cars, a zero depreciation cover is highly recommended to avoid substantial out-of-pocket expenses during claims.
• Factor in your car's age: Newer cars benefit more from add-ons like return to invoice and zero depreciation covers. For older vehicles, roadside assistance might be more valuable as they are prone to breakdowns.
• Evaluate personal belongings: Consider the value of personal belongings you typically carry in your car to decide if the personal belongings coverage is worth investing in.
• Review your budget: It is very important to keep your budget in mind. Select add-ons that meet specific needs because, with every rider, your premium amount will also increase. You can balance the cost against the potential benefits by prioritising your requirements.
• Consult with your insurance provider: Understand the exact coverage and limitations of each add-on before making a decision.
• Read the fine print carefully: Each add-on comes with specific terms, conditions, and exclusions. You can avoid disagreements and complications during claim settlements if you have gone through all the minute details printed on the add-on terms.

Frequently Asked Questions

• Is it worth paying an extra premium for car insurance add-ons?

Car insurance add-ons provide complete protection against certain damages that are not covered under standard policies. The small additional premium can save you from significant financial burdens during unfortunate events.

• Can I buy add-ons at any time during my policy period?

Typically, add-ons are purchased at the time of policy issuance or renewal. However, some insurers might allow mid-term inclusion of certain riders. It's advisable that you first check the specific terms with your insurance provider.

• Do all car insurance companies offer the same add-ons?

No, the add-ons may vary among insurance companies. Although the basics remain the same, the terms, conditions, and pricing for similar riders might differ. You should compare offerings of different car insurance online before making a decision.

• Is the zero depreciation cover beneficial for my car?

While zero depreciation cover benefits all car owners, it's particularly valuable for new and premium cars where depreciation can significantly impact claim amounts. For older vehicles (beyond 5-7 years), insurers might not offer this add-on or the benefits might be limited.

• Can I claim multiple add-ons for a single incident?

Yes, you can claim multiple add-ons for a single incident if the damages your vehicle incurs are covered under those and you've paid premiums for them.

Conclusion

Add-ons give the most detailed vehicle protection that might otherwise lead to significant financial burdens. From protecting your car's engine to recovering the full invoice value in case of total loss, with the right combination of riders complementing your comprehensive car insurance policy, you can truly drive your car without any worries.

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.

Hybrid is the latest buzzword in the automobile industry. Automobile engineers all around the world are actively working on developing and improving hybrid cars. Despite the high cost, hybrid cars are gradually gaining popularity among car users across the world.

Unlike traditional combustion engine cars, hybrid cars address the crucial and urgent global agenda of environmental preservation. With global warming and increasing environmental pollution, any innovation that reduces or restricts carbon footprint is a welcome step. Hybrid cars make this possible and are sustainable. So, what is a hybrid car? Today, we will discuss all you need to know about hybrid electric cars in India.

What is a hybrid car?

Simply put, hybrid cars run on two sources of power. Confused about what is a hybrid car? Don’t be. Read on.

• Hybrid cars come with one electric motor and one Internal Combustion Engine (ICE) which is the usual fuel-run petrol or diesel engine.
• Hybrid cars can switch between the electric motor and the fuel-run engine or use both engines together as and when needed.
• Since these cars do not run on fuel power only, they come with way better fuel economy.
• The usage of the electric motor along with a fossil fuel-based engine reduces the rate of use of fuels such as petrol and diesel, thus restricting carbon emissions.
• Besides environmental preservation, hybrid cars have an edge in terms of efficiency. Because hybrid cars use both electric and fuel power, they offer higher efficiency.
• When brakes are applied in a hybrid car, excess power is generated which is used to recharge the batteries. Subsequently, there is a higher mileage range in hybrid cars.
• To replenish their batteries, hybrid cars can use the ICE engine as well.

How does a hybrid car work?

The sources of power for hybrid electric cars include—an internal combustion engine and one or more electric motors powered by the energy stored in batteries.

Unlike standard electric vehicles, a hybrid electric car cannot be plugged into a charging point to charge the battery. Instead, the batteries are charged either using the regenerative braking technique and/or by using the internal combustion engine.

Since the car has an extra source of power from the electric motor, these cars work perfectly fine with relatively smaller fuel engines. The battery also aids in auxiliary loads and restricts engine idling when it is stopped. The combined effect of these features and the operational structure of the hybrid cars enhance fuel efficiency without compromising power, performance, and mileage.

Difference between a hybrid and an electric car

While we have discussed the basics of hybrid cars, it is essential to identify how a hybrid electric car is different from an electric car. The main difference to quote in a hybrid car vs electric cars discussion is their source of engine power.

In hybrid cars, there are two types of engines—an internal combustion engine that runs on petrol or diesel, and one or more electric motor(s). Meanwhile, electric vehicles do not use any petrol or diesel. They derive power from a single source—electric motors.

This major difference between hybrid and electric cars leads to a series of differences in their performance, operation, and price. Refer to the table below to understand the differences between hybrid and electric cars:

Types of hybrid electric cars

In the pursuit to achieve maximum efficiency with the lowest possible carbon emission, automobile companies are constantly developing newer types of hybrid cars. At the moment, there are five types of hybrid electric cars in India.

1. Parallel hybrid:

This is the most common and popular design of hybrid cars. Here, the vehicle power is derived from both the combustion engine as well as the electric motor engine run by batteries. In a parallel hybrid car, both engines can operate simultaneously, or one of them kicks in when there is a need for additional power. For example, while driving on a steep track or hilly terrain. Since the electric motor and the combustion engine are connected to the gearbox such that they are parallel to each other, these cars are called parallel hybrid cars.

2. Series hybrid:

Similar to other hybrid cars, a series hybrid car has two sources of vehicle power—the combustion engine and the electric motor. So, why the specific categorisation? The answer lies in the operating functions of the two sources. In a series hybrid, the propulsion of the vehicle is not done by the internal combustion engine. The combustion engine is used for generating electricity to recharge the batteries only. The recharged battery pack runs the electric motors which run the car.

3. Plug-in hybrid:

Plug-in hybrid electric cars in India come with a significantly large battery pack—almost like the ones used in complete electric vehicles. This battery pack needs to be charged by plugging into an external source of electricity. The large amount of energy thus produced is like a petrol or diesel tank. This extends driving power using electric energy and reduces the consumption of combustion fuels by major amounts. In case, the electric energy exhausts, the car shifts to operate like a parallel hybrid. Thus, you get super-high electric mileage, low environmental pollution and the added backup of operating using a combustion engine as and when required.

4. Mild hybrid:

Although there are several benefits of using an electric vehicle or hybrid electric vehicle, it is not easy to afford one. The automobile industry is making evident efforts to make hybrid cars affordable for all. In such a scenario, mild hybrid cars are pathbreakers. The objective of mild hybrid electric cars is to gain better fuel efficiency while being compliant with emission norms. In this type of hybrid car, while the car primarily runs on the combustion engine, the electric motors assist the petrol engine to enhance efficiency as well as performance. In addition to this, the electric motor is also used as a starter for the function of automatic start/stop. This in turn helps reduce fuel usage.

5. Two-mode hybrid:

The two-mode hybrid electric cars function in two ways. In the first mode, the car runs like a usual hybrid car. In the second mode, the hybrid car adjusts how much the electric motor will function as per the different specific requirements of the vehicle, driving task, or traffic congestion.

Key components of hybrid electric cars

Some major components of the propulsion of hybrid cars are listed below:

• Auxiliary battery: The auxiliary battery in a hybrid electric car is used to start the car by providing electricity before the traction battery starts operating.
• Traction battery pack: The traction battery pack is where the electricity is stored to power the electric motors as well as recharge the electric generator.
• DC converter: DC converter converts the high-voltage power from the traction battery pack into low-voltage DC power. This power is used to run the accessories of the vehicle and to recharge the auxiliary battery.
• Electric generator: This generator generates electricity when brakes are applied on the rotating wheels. The power created from this electricity generation is transferred to the traction battery pack.
• Traction motor: The electric traction motor takes power from the traction battery pack and uses it to drive the wheels of the vehicle.
• Exhaust system: The exhaust system directs the engine's exhaust gases out of the tailpipe. The exhaust system's three-way catalyst lowers engine-out emissions.
• Power electronics controller: This device controls the electric traction motor's speed and torque by managing the flow of electrical energy supplied by the traction battery.
• Internal combustion engine: In this setup, fuel is pumped into the combustion chamber or the intake manifold, where it is mixed with air. A spark from a spark plug then ignites the air/fuel mixture.
• Thermal cooling system: The thermal cooling system keeps the engine, electric motor, power electronics, and other parts running within the right temperature range.

Advantages of hybrid electric cars

Hybrid electric cars are the future of the environment-friendly automobile sector innovation. They come with a wide range of advantages such as:

Low emissions: Compared to internal combustion engines, hybrid cars use both internal combustion and electric engines. As a result, emissions are reduced, making them highly beneficial in checking environmental degradation.

Reduced use of combustion fuels: Hybrid electric cars have electric motors that run on batteries. This reduces the load on the combustion engine and the use of fuels such as petrol and diesel.

Smaller combustion engine: Since combustion fuels do not have to run the whole vehicle, hybrid electric cars come with a smaller combustion engine compared to standard petrol or diesel cars.

The benefit of dual engines: Hybrid electric cars have the benefit of two engines. Subsequently, they offer higher fuel efficiency and much better performance.

Regenerative braking system: In a hybrid car, the electric generator produces electricity and recharges the battery every time the brake is used. As a result, until and unless the battery is completely exhausted, there is no need to stop the car to charge the battery.

Higher resale value: Given the ever-increasing price of petrol and diesel, and the continuous degradation of the environment, people are consciously moving towards hybrid and electric cars. Hence, the demand for such cars is high and so is their resale value.

Disadvantages of hybrid electric cars

Some of the cons of using hybrid electric cars include:

Compromised performance: Hybrid electric cars in India are in demand primarily because of fuel efficiency. Lower use of combustion fuels is the prime objective here. In doing so, aspects such as power and acceleration are often ignored.

Inefficient for long commutes: Since a hybrid electric car has low accommodation for combustion fuel, the remaining need for power is met by electric motors. Now, this setup is not the optimal one for long commutes or long-distance drive through the countryside or highways.

High price: This is a perennial issue with hybrid electric cars and electric vehicles in general. Most of them are quite expensive for the general public. Though automobile companies are trying to reduce the cost, still itis a long shot.

High cost of maintenance: Due to the numerous mechanical components and two types of engines that power hybrid vehicles, maintenance costs are still on the higher side. Additionally, not all mechanics are skilled or qualified enough to work on hybrid vehicles.

Popular hybrid cars in India

Here are some notable hybrid models available in the Indian market:

• Maruti Suzuki Brezza: Features a mild-hybrid system with fuel efficiency of 19.8–20.15 kmpl.
• Toyota Urban Cruiser Hyryder: Offers both mild and strong hybrid options, achieving up to 27.97 kmpl.
• Honda City eHEV: A strong hybrid delivering 26.5 kmpl with advanced driving modes.
• Toyota Innova Hycross: Combines a 2.0L petrol engine with hybrid technology, offering 23.24 kmpl.
• Maruti Suzuki Grand Vitara: Strong hybrid system with fuel efficiency up to 27.97 kmpl.
• Toyota Camry Hybrid: Premium sedan with a hybrid system, delivering 19.1 kmpl.
• Lexus NX: Luxury SUV available in hybrid and plug-in hybrid variants, with 16.7 kmpl.Toyota Vellfire: Luxurious MPV offering 16.3 kmpl and a range of up to 950 km.
• Maruti Invicto: Premium MPV with hybrid technology, achieving 23.24 kmpl

FAQs

Does buying a hybrid vehicle affect your insurance premium?

Irrespective of whether you buy a conventional combustion engine vehicle, a hybrid vehicle or an electric vehicle, car insurance is an absolute necessity. The engines of a hybrid car are different from conventional cars. So, in case you go for an engine-protect cover add-on, that will increase your vehicle insurance premium.

What is the difference between a hybrid car and an electric car?

As the name suggests, the hybrid car has two types of engines—the usual internal combustion engine and an electric motor. Meanwhile, an electric car is one or more than one battery-run electric motor(s) only.

What is a mild hybrid electric car?

Mild hybrid electric cars are designed to enhance fuel efficiency slightly so that emission compliance standards are met, without increasing the cost of the vehicle. Here the electric motor assists in improving the efficiency of the petrol engine, which in turn improves both fuel efficiency and performance.

How often do we need to replace hybrid batteries?

Usually, the batteries of hybrid electric vehicles last up to 24,000 km to 32,000 km. The exact lifespan of batteries varies from brand to brand.

Do hybrid cars automatically switch to petrol?

Usually, there remains an automatic gearbox in these hybrid electric cars which runs on the combined power sources of fuel power and electric power. Now, depending on factors like load, driving conditions etc. the automatic gearbox automatically switches between an electric motor and a petrol engine. However, it is not the same for every brand, make, and model. It is best recommended to go through the owner user manual for the operational features of the car.

Do hybrid cars need oil changes?

In hybrid cars, along with an electric motor, there is also an internal combustion engine which runs on fuel like petrol and diesel. So, yes, hybrid cars need regular oil changes.

What are the disadvantages of hybrid electric vehicles?

Sometimes there can be a lag in the performance. Apart from that, they are still expensive despite the efforts of the automobile industry’s innovations to reduce the cost. In addition, the maintenance cost of hybrid cars is quite high.

Conclusion

Hybrid cars are fuel-efficient vehicles and pocket-friendly options when compared to other transportation, which makes them a popular choice for Indian roads. If you are planning on shifting to this eco-friendly option, it is important to protect the purchase with a car insurance policy. Also, purchase a third party car insurance, which ensures that your vehicle and finances are well-protected. With the points discussed in this blog, you can educate yourself about hybrid cars and the correct insurance and play your part in driving India to a greener future.

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.

Old, unfit, and ill-maintained vehicles are one of the prime contributors to environmental pollution. The Vehicle Scrappage Policy was introduced in India to mitigate this problem. The policy nullifies the re-registration of cars that are above 20 years old. For commercial vehicles, the threshold is 15 years as they face extensive and heavy usage compared to personal vehicles. Vehicle Scrappage Policy is a ground-breaking step on the part of the government both in terms of pollution control and vehicle management. Here’s all you need to know about the Vehicle Scrappage Policy and its benefits.

What is the Vehicle Scrappage Policy in India?

An initiative of the Government of India, Vehicle Scrappage Policy focuses on taking old and unfit vehicles off the road and scrapping them. Let us look at it in detail:

• The idea behind the scrappage policy is to gradually develop an ecosystem that phases out vehicles contributing to pollution by exaggerated measures. Most of these are old and unfit vehicles.
• The scrap policy is expected to significantly and effectively reduce the carbon footprint caused by vehicle emissions.
• The vehicle scrappage policy will be brought into force starting 1^stApril 2023 for Heavy Commercial Vehicles (HCVs).
• For other Commercial Vehicles and Private Vehicles, the scrappage policy will be effective from 1^stJune 2024.
• Commercial vehicles and private vehicles that are older than 15 years and 20 years, respectively, will have to undergo a fitness test. If these vehicles do not get clearance under the fitness test, they must be scrapped.

Highlights of the Vehicle Scrappage Policy Announcement

Apart from the pollution control measure, the scrappage policy is also seen as a potential catalyst for the sluggish automobile sector, which witnessed a massive downturn in 2019. Though in 2020, post-Diwali, the sector did witness some improvement, it is far from satisfactory. The vehicle scrappage policy is expected to create demand for new vehicles, as the old and unfit vehicles will be phased out.

The key highlights of the scrappage policy are:

• The primary objective of the policy is to scrap unfit cars and bikes
• All the rules and regulations surrounding the scrappage policy will be outlined by the Ministry of Road Transport and Highways (MoRTH)
• According to the MoRTH, scrapping old vehicles will make the owners eligible for some benefits.
• This policy will help in reducing pollution density. This is subjective to the existing pollution density of a place.
• This administrative policy will pave the demand for safe, technologically updated, and environment-friendly vehicles.

What is the Aim of Vehicle Scrappage Policy 2021?

The vehicle scrapping policy in India was introduced to take old and unfit cars and bikes off the road. The main objective behind the scrappage policy was to come up with an effective and feasible measure to check the high carbon emissions caused by unfit cars. The recent review highlighted some significant additional aspects of the policy. These are:

• Checking pollution by scrapping vehicles that do not pass the fitness test
• Higher safety for passengers, vehicles, and pedestrians
• Employment generation in the automobile industry
• Developing a formal and organised vehicle scrappage sector
• Improving fuel efficiency
• Reducing the cost of maintenance
• Better and higher access to cost-efficient raw materials for industries such as automobile, steel, and electronics

Given below is the timeline of how the policy will be brought into force:

Benefits of the Vehicle Scrappage Policy

Let us see how the vehicle scrappage policy will help the environment, vehicle owners, the automobile industry, and the economy as a whole.

• As mentioned earlier, the scrappage policy will help reduce pollution and contribute to environmental preservation.
• Currently, approximate estimates show that there are 51 lakh light vehicles (both private and commercial) that are more than 20 years old. This is an estimate of only light vehicles. Scrapping old and unfit vehicles will create demand in the automobile industry, as the old ones will now be replaced with new vehicles.
• There will be additional job creation in the automobile sector. New scrappage stations will enhance the employment scope in the industry.
• The nature of demand for vehicles will get augmented for good. There will be a demand for comparatively safer and technologically upgraded vehicles that come with better and superior features.
• This policy will provide a major push to the recycling industry. This will not only make the recycling sector more active but create jobs in this industry as well. In addition, it will also create further improvement in the R&D of waste and recycling management.
• Scrapping old and unfit vehicles may come with significant tax benefits for vehicle owners.
• For parts that are fine and fit, vehicle owners have the scope to get the best possible resale price.

Fitness Tests for Vehicles

Given below are the key details surrounding the fitness test for vehicles based on which it will be decided if the cars are to be scrapped or not:

• The fitness test essentially will consist of a detailed inspection of the vehicle to check the vehicle’s roadworthiness.
• The test will also check how much the vehicle is causing environmental pollution.
• The fitness test of the vehicles has to be carried out at authorised Automated Testing Stations only.
• The validity of this fitness test will be five years, post which the vehicles will have to go through a fitness test again.
• Those vehicles that do not clear the fitness test won’t be able to renew their registration.
• It is quite possible that some of the older vehicles, especially those which have been maintained well, pass the fitness test. While it would be unfair to scrap them, they may start emitting high amounts of carbon soon. As a middle ground, a green cess of 10-15% may be levied on these older vehicles. This green cess will vary from place to place.

Such vehicles that do not pass the fitness test will have two options—either scrap the vehicle or repair it such that the repaired quality passes the fitness test.

Where Should I Get the Vehicle Tested or Scrapped?

To get your vehicle tested or scrapped under the scrapping policy, follow the steps given below:

Step 1: Visit the nearest Automated Testing Station (ATS)

Step 2: Get your vehicle tested

Step 3: If you want to scrap your vehicle, then take your vehicle to an authorised scrapping centre

Or,

If you want to dispose of your vehicle, you will have to wait till ATS facilitate the same. For the disposal of the tested vehicles that could not pass the fitness test, you will have to initiate the process through the VAHAN portal.

Or,

Get your vehicle repaired such that it passes the fitness test.

What are the Incentives for Scrapping Old Vehicles?

On scrapping the old vehicles, you will get the following incentives:

• Get a discount:If you scrap your old unfit vehicle under the scrappage policy of India, you can get a discount of 4% to 6% if and when you purchase a new vehicle. This discount applies to the ex-showroom price of the new vehicle.
• Registration fee waiver:If you scrap your old vehicle, you will get a Certificate of Deposit, which validates and documents the transfer of ownership from you to the Authorised Vehicle Scrapping Facility (AVSF). On producing the Certificate of Deposit, the registration charges for a new vehicle will be waived.
• Road tax concession:Scrapping old vehicles can earn you a road tax concession as high as 25% for non-commercial vehicles and 15% for commercial vehicles.
• Discount on purchase of new vehicle:While buying a new vehicle, on presenting the Certificate of Deposit, you will get an additional discount of 5%. This discount is over and above the scrap discount discussed above. It is given by vehicle manufacturers at the request of the government.

What are the disincentives of owning an old vehicle?

Given below are the major disincentives for owning an old vehicle:

• High fees for the fitness test:If a commercial vehicle is older than 15 years, then the fees for the fitness test and the issuance of a Fitness Certificate will attract higher charges.
• High registration renewal fees: If a private vehicle is older than 15 years, then the registration renewal charges will be higher.
• Green cess: In addition to the road tax, following the policy outlines of the vehicle scrap policy 2021, a green cess of 10-15% will be levied on old vehicles.

Fee for Renewing Vehicle Registration

Given below are the fitness test fee and registration renewal fee structure of an old vehicle under the vehicle scrapping policy of India.

Fitness Test Fee (for vehicles more than 15 years old)

Registration Renewal Fee (for vehicles more than 15 years old)

Under what Conditions is My Car Liable to be Scrapped?

Some fundamental criteria give the scrappage policy a formal outline. These criteria determine which vehicle must be scrapped and which can continue its run. These conditions are:

• Both commercial and private vehicles that are more than 15 years old have to undergo a fitness test for renewal of their registration.
• If the vehicle is found to be unfit, it should either be scrapped or repaired so that it clears the fitness test. The vehicle owner must re-apply for the fitness test.
• If a vehicle fails to clear the fitness test, it will be marked as End-of-Life-Vehicle (ELV) and must be scrapped.

How Does The Policy Impact You As A Two-Wheeler Owner?

Two-wheelers older than  15 years are required to undergo a mandatory fitness test. The examination is done to check the emission levels, structural integrity, and engine performance of the bike. If the two-wheeler fails in the test, it will be considered an End-of-Life Vehicle (ELV) and then must be scrapped.

You will get incentives from the government for scrapping the old bike. The reward includes discounts on the ex-showroom price of a new vehicle and a waiver on registration fees, and road tax.

When you scrap your two-wheeler, submit the Certificate of Deposit (CD) and deregistration proof to your insurer for cancelling your car insurance policy.

How To Scrap A Car In India?

If you are planning to scrap your old car under the vehicle scrap policy 2021, then follow these steps:

Step 1: Connect with the scrapping centre

• Either call an authorised scrapping centre or contact them through their website
• Schedule an appointment
• Either drive your vehicle to their scrap yard or request them to collect the vehicle from your place. Be aware if you take their service of collecting the car from your place, you may have to pay towing charges

Step 2: Documents required

• PAN Card
• Original registration number of the vehicle
• End-of-Life-Vehicle certificate
• If you do not take your vehicle to the scrapping facility, authorisation on a stamp paper for the authorised person so that they can submit the vehicle at the Authorised Vehicle Scrapping Facility (AVSF)
• Identity proof of the authorised person (Aadhaar card, Voter ID, Passport)
• A disclaimer or an undertaking by the vehicle owner stating all furnished information is true and correct to their knowledge
• A cancelled cheque
• Photograph of the vehicle owner

Step 3: Commencement of the scrappage process

• First, the tyres, battery and CNG kit (if there is one) are removed
• The air conditioning unit's refrigerant is drained and delivered to the de-pollution station
• All liquids including engine coolant, gearbox oil, petrol, brake fluid, steering fluid, windshield washer fluid, and engine oil are removed
• Next, the fuel tank and the exhaust system of the vehicle are removed
• After that, body panels, the boot lid, bonnet, fenders, doors, headlights, and bumpers are removed. This is usually done manually
• Then, the dashboard, roof liner, seats, floor mats, steering wheel, and other interior parts are removed. The vehicle's wiring system is likewise taken out
• The vehicle's running gear is then removed, it is elevated, and the engine, brakes, and suspension are also taken out of the vehicle
• Finally, the Vehicle Identification Number (VIN) is cut out

Step 4: Recycling the remaining part

• After the above-mentioned procedure is done, only the outer shell of the vehicle remains
• Using a crane, this outer body is then dumped into a crushing unit. Once the shell is crushed, the residue is steel bale. This steel bale is sold for smelting
• Parts that are scrapped or removed are also crushed to derive steel bale
• In the whole process, utmost care is taken to ensure that AC gasses or oils are not discharged into the land or air

Step 5: Issuance of the Scrappage Certificate

• After the scrapping process is completed, a “Certificate of Destruction” is issued.
• Using this “Certificate of Destruction” you can get your vehicle de-registered at your local RTO
• Once your registration is cancelled, you will get the scrap value of your car or bike either through a cheque or it will be directly credited to your account.

Owning Old Vehicles Will Be Costly

Scrapping your old unfit vehicle under the Vehicle Scrappage Policy can be a great decision in terms of cost-benefit comparison. This is because driving an old vehicle comes with several additional costs. Some of them are:

• Higher maintenance costs: Older vehicles, especially those 15-20 years old, usually come with higher maintenance costs. And, more often than not, these costs go on increasing with each passing year.
• Higher fuel consumption:The mileage of the old vehicles decreases with time due to regular wear and tear, after prolonged regular use. This means less performance and high fuel consumption.
• Higher fees:The registration renewal fees of vehicles older than 15 years are relatively much higher. Similarly, the fitness test charges of such vehicles are also higher than newer ones.
• Green cess: Older vehicles attract a green cess of 10-15% over and above the road tax.
• Higher registration fee for vintage cars: Renewing the registration of a vintage vehicle is also costly. The cost of getting the new certificate for your vintage vehicle is Rs 10,000. It is valid for 10 years only. Post that, you will have to get subsequent registration renewals every five years, which will cost Rs 5,000.

Rto Rules For Car Scrapping Process In India

The RTO rules for the car scrapping policy include:

• The owner of the vehicle has to write an application to the RTO for car scrapping.
• The vehicle owner must submit an affidavit declaring that there is no pending loan associated with the vehicle or pending insurance claims or traffic challans. And lastly, the vehicle is not related to any running or pending court cases.
• The registration certificate of the vehicle has to be surrendered. The RTO will keep the registration number and the cut-out VIN as records for future use.

The Authorised Vehicle Scrapping Facility (AVSF), where the scrapping procedure is done, will issue a confirmation letter with its address on the letterhead. This has to be submitted to the RTO along with the pictures of the scrapped vehicle.

RTO Rules For Deregistration And Scrapping Of Old Vehicles

The deregistration and scrapping of a vehicle require the owner to provide original RC, ID proof, and a certificate of the vehicle’s health and condition to the RTO. After the deregistration, it is sent to the registered scrapping facility for scrapping.

Updates On Vehicle Scrappage Policy

The vehicle scrappage policy is still evolving, and the government is working on introducing new testing stations and locations for scrapping. Inventive for vehicle owners is also being discussed.

FAQs

Is it mandatory to scrap an old vehicle?

It is not mandatory. However, if the vehicle is older than 15 years and is unfit, then it is better to scrap it.

What does a fitness test check?

The fitness test checks how roadworthy your vehicle is and how much is it adding to the pollution levels.

What will be the consequence of failing the fitness test?

If your vehicle fails to clear the fitness test, you can either send it for scrapping or you can repair it and re-apply for a fitness test.

Which Indian ministry is related to the Vehicle Scrappage Policy?

The Ministry of Road Transport and Highways (MoRTH) is the administrator of the Vehicle Scrappage Policy.

Will the government-authorised scrapping centres give me the best car scrappage deals?

Though exact information is awaited on the cost details of the scrappage deals of the government-authorised scrapping centres, it is speculated that the best possible deals with be available here.

Is the car scrappage scheme applicable for petrol and diesel vehicles?

Yes, the car scrappage scheme is applicable for both petrol and diesel vehicles.

Why was the Vehicle Scrappage Policy needed?

The vehicle scrappage policy was introduced to scrap the old unfit vehicles that are increasingly adding to environmental pollution because of their higher carbon emission. In addition to environmental preservation, this scrappage policy will also help expand the automobile sector.

How much will I get to scrap my car?

While the exact value may differ, you can expect to get 4-6% of the vehicle’s original ex-showroom price if you scrap your car.

Conclusion

The vehicle scrappage policy in India is the government’s initiative to decrease pollution, enhance road safety, and enhance the condition of the automobile industry. Through incentives and disincentives, authorities keep the process of scrappage regulated. Being informed about the policy and its changes helps you stay in touch with the relevant processes and participate in this progressive initiative.

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 - 06 Feb 2026

Getting a new car or bike is exciting, but before hitting the road, you must register it with the RTO. Registration gives your vehicle a legal identity, proves ownership, ensures compliance with traffic rules and makes it easy to get car insurance online; so you can compare plans, check coverage and choose the best policy for your vehicle.

This guide explains the complete process, required documents, fees, and convenient online options.

Steps to register your new vehicle at the RTO

Registering your new vehicle at the RTO may seem complex, but following these steps carefully will ensure a smooth and hassle-free process:

1. Visit the RTO: Take your new vehicle to the nearest Regional Transport Office.
2. Submit Form 20: Fill out the form and attach all required documents.
3. Document Verification: The RTO supervisor checks and verifies your documents.
4. Pay Registration Fee: Complete the payment at the counter.
5. Vehicle Inspection: A vehicle inspector examines your vehicle.
6. Data Entry: RTO staff enter your vehicle details into the central database.
7. Data Verification: The RTO superintendent reviews the entered information.
8. Approval: The Assistant Regional Transport Officer (ARTO) approves the registration.

Can you go for an online vehicle registration?

No, new vehicle registration cannot be completed entirely online because a physical inspection of the car or bike at the RTO is mandatory. Parivahan’s e-portal cannot register a new vehicle but can be used for related services, such as renewals, ownership transfers and applying for high-security number plates.

How to apply for a new number plate?

To comply with the Motor Vehicle Act, every vehicle must display a High-Security Registration Plate (HSRP). To apply online:

1. Visit your state’s RTO-approved HSRP website.
2. Enter all required vehicle and owner details.
3. Select the vehicle class (personal or commercial).
4. Make the online payment and download the acknowledgement receipt.
5. You will receive a notification once your HSRP is prepared and dispatched.

Vehicle registration forms

Registering a new vehicle is easier when you know the required forms. You can download them online via the Parivahan website. The key forms you need for vehicle registration in India include:

Vehicle registration fee

The table below shows the vehicle registration fee in India:

Necessity of vehicle registration

Registering your vehicle is important and mandated by the Motor Vehicles Act 1988. It gives legal ownership to you and helps you and the authorities keep track of the vehicle in case of accidents or theft.

Registration number is also necessary to check whether your automobile complies with road and environment-related regulations. It helps verify the insurance, pollution under control (PUC) certification and fitness certification status of the vehicle.

Temporary and permanent registration number

When you buy a new vehicle, the dealer provides a temporary registration number, usually valid for about one month. Within this period, the vehicle owner must apply to the RTO for a permanent registration number, after which the vehicle is officially registered with the Ministry of Road Transport and Highways.

Vehicle registration status: How to check the RC status of your vehicle?

Vehicle registration status: How to check the RC status of your vehicle?

After applying for vehicle registration, you can check your RC status online:

1. Visit the official Parivahan website and go to Online Services.
2. Click on Vehicle Related Services.
3. Select your state and RTO office, then click Proceed.
4. Click Status and select Know Your Application Status.
5. Enter your application number and captcha code, then click Submit to view your RC status. 

How to get a duplicate RC?

If your original Registration Certificate (RC) is lost or damaged, you can apply for a duplicate RC online or offline. To apply online, visit the Parivahan website, go to Online Services > Vehicle Related Services, select your state and enter your vehicle registration number.

Choose RC Related Services > Apply for Duplicate RC, enter the last five digits of the chassis number and attach required documents such as FIR, identity proof, insurance and PUC.

Pay the prescribed fee online and download the payment receipt. Finally, visit the RTO with the documents to collect your duplicate RC or submit your application directly at the RTO for offline processing.

How to download a duplicate RC?

To download a duplicate RC, visit the DigiLocker website or open the mobile app and log in or create a new account. Navigate to Registration of Vehicles and enter your vehicle registration number and chassis number.

Your RC will appear under Issued Documents, where you can view and download the digital copy for easy access.

Duplicate RC fees

The fees may vary depending on the state. The following table lists duplicate RC fees:

Documents required for a duplicate RC

To apply for a duplicate RC, you need to submit Form 26 along with supporting documents such as the FIR reporting loss or theft, PUC certificate, valid vehicle insurance and proof of address (Aadhaar, Passport, Voter ID, etc.).

You will also need traffic challan and tax clearance for commercial vehicles, PAN card or Form 60/61 if PAN is unavailable, chassis and engine numbers, owner’s signature proof and an affidavit stating the RC is lost and unrecovered.

Note: Document requirements may vary across states, so check with your local RTO.

Vehicle registration renewal: How to go for it?

You can easily apply for vehicle registration renewal on the Parivahan portal. Here’s how:

• Step 1: Visit the official website of Parivahan
• Step 2: Click on the “Online Services” tab. Choose “Vehicle Related Services” from the drop-down list
• Step 3: Enter your state name and registration number. Click on the “Proceed” button
• Step 4: Next, click on “Renewal of Registration”
• Step 5: Enter the last 5 characters of your vehicle’s Chassis Number and then click on “Verify Details”
• Step 6: Enter your registered mobile number. You will get an OTP
• Step 7: Submit the OTP and then click on “Show Details”
• Step 8: Verify the information and then click “Payment”
• Step 9: Make the payment and download the receipt of the payment
• Step 10: Visit the RTO. Take along all the necessary documents and duly filled forms. Take your vehicle along with you.

RC renewal fees

Here are the RC renewal fees as per the Central Motor Vehicle Rules, 1989:

Documents required for the RC renewal

To renew your RC, you need to submit Form 25 along with the original registration certificate, PUC certificate, fitness certificate and road tax payment receipt.

You must also provide valid motor insurance, proof of the owner’s signature, PAN card or Form 60/61 if PAN is unavailable and the chassis and engine numbers. These documents ensure a smooth and hassle-free RC renewal process.

New rules for vehicle number plates in India

All vehicles registered after April 1, 2019, must have High-Security Registration Plates (HSRP), while older vehicles require retrofitting. HSRPs feature tamper-proof elements, a unique serial number and a chromium hologram for added security.

Custom designs, fancy fonts and decorative plates are banned. Four-wheelers must display colour-coded fuel stickers: blue for petrol/CNG, orange for diesel and green for electric vehicles, with BS-VI compliant vehicles showing a green strip.

Penalties for non-compliance range from ₹5,000 to ₹10,000. Owners can apply online, select a fitment centre, pay fees and get the plates installed.

Bharat number plate (BH series number plate) registration

The Bharat (BH) series number plate allows seamless vehicle registration transfers across India for eligible individuals, including government and defence personnel and private employees working in companies with offices in at least four states or UTs.

The format follows 22 BH 1234 AA, with road tax paid every two years for the first 14 years and annually thereafter.

Existing vehicle owners can also convert to the BH series, and applications are processed online via the VAHAN portal or through dealers.

How to check for fake RC online?

To check for a fake Registration Certificate (RC) online in India, follow these steps:

1. Visit the official Parivahan Sewa portal at parivahan.gov.in.
2. Go to the "Online Services" and click on "Vehicle Related Services."
3. Choose a state and enter the vehicle registration number.
4. Click on "Know Your Vehicle Details" to view the RC information.
5. Verify the vehicle owner's name, registration details, chassis and engine number against your RC.

How to surrender vehicle registration (in case of scrapping or export)

Surrendering your vehicle’s registration after scrapping or exporting helps avoid future legal or financial issues. Obtain Form 26 (or the state-specific form) and gather documents such as the original RC, scrapping/export certificates, insurance, PUC and address proof.

Submit your application and documents online via the VAHAN portal or at the RTO, pay the applicable fees and receive an acknowledgement or cancellation certificate.

Finally, inform your insurance company to prevent any future legal complications.

Conclusion

Proper vehicle registration and insurance are more than formalities; they protect you, your vehicle and your finances. The RC gives your vehicle a legal identity, while third-party car insurance provides essential coverage against damages or liabilities to others, helping you stay protected on the road.

By following the registration steps and selecting the right insurance, you can drive confidently and avoid future hassles. Secure your vehicle today by filling out the form on this page and get expert guidance on the ideal plan for you.

FAQs

1. Can I ride my new vehicle without getting an RC?

No, you cannot ride your new bike/car without getting an RC.

2. How many days does it take to get a vehicle registration number?

It usually takes 2-3 days to get a vehicle registration number.

3. What should I do if my RC is misplaced?

If your RC is misplaced, you must file a police FIR and then apply for a duplicate RC online via the Parivahan portal or offline at your local RTO office with the required documents and fees.

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.

Fuel costs are soaring high. To add to the woes of spending on fuel, the burning of fossil fuels is among the leading causes of environmental damage. The carbon emissions from the combustion of fuels such as petrol and diesel are very high. Amidst all this, Compressed Natural Gas (CNG) has surfaced as one of the best alternatives to traditional fuels. Low budget, lower maintenance costs, and significantly reduced carbon emission are some of the key reasons for the growing popularity of vehicles fitted with CNG kits.

Today, CNG kit-fitted vehicles are becoming increasingly common. When buying a new vehicle, you may choose one with a pre-fitted CNG kit. But, what if you already own a traditional vehicle that utilises an internal combustion engine (ICE)? Would you have to wait until you decide to change your car or two-wheeler to switch to a CNG vehicle?

The answer is, no. You can easily install a CNG kit in a petrol or diesel-run vehicle. Read on to know how to convert a petrol car to a CNG car.

What is a CNG kit?

As mentioned above, you can either buy a CNG car or two-wheeler or install a CNG kit in your existing petrol or diesel-run vehicle. A CNG kit turns your internal combustion engine-fitted vehicle into a CNG-compatible vehicle.

A CNG kit comprises a refill valve, pressure gauge, and an Electric Control Unit, along with some other fittings such as hoses, clamps, high-pressure tubes etc. However, before you schedule the CNG fitting of your combustion engine vehicle, you must check if your car or bike is compatible with the CNG fitting or not.

If your vehicle is compatible with the fittings, then you may proceed with the CNG kit installation process. However, remember to get approval from your RTO for the conversion of a petrol or diesel-based car or scooter into a CNG-run one.

What is the use of a CNG kit?

Now that you know what a CNG kit is and what it does, let us look at the uses of various components of the kit.

• CNG fittings come with a fuel switch for the driver to switch from petrol or diesel mode to CNG mode as and when needed.
• The CNG kit has a CNG cylinder, which is called the fuel tank. This is where the compressed natural gas is stored. Usually, this cylinder is installed at the back of the vehicle.
• The high-pressure compressed gas is released from the fuel tank through the extensive set-up of fuel lines or channels.
• There is a regulator to manage the pressure. It functions in sync with the engine fuel injection system.
• Once the pressure is regulated, the CNG passes to the combustion or manifold chamber. Here, CNG comes into contact with air.
• A spark plug ignites the CNG as soon as it mixes with air, and the engine starts.

Is a CNG kit compatible with your vehicle?

Given its growing popularity, more and more people are seeking to understand how to convert petrol cars to CNG cars. However, not all vehicles can be fitted with a CNG kit. For example:

• Older vehicles are not suitable for such technological customisations
• CNG is not the right fit for bikes with mid to high CC. Such bikes need higher acceleration power. However, most scooters are compatible with CNG.

The best and the most authentic way to know if your petrol or diesel car can be converted to a CNG-run vehicle or not is to contact or visit the nearest Regional Transport Office (RTO). RTOs have an exhaustive list of cars that are suitable for CNG fitting.

If your car’s make and model are listed among the RTO’s CNG-compatible prescribed list of cars, then you may proceed with the CNG kit installation. Note, the list of cars varies from place to place. Therefore, check the list outlined by the RTO of your area only.

In the wake of rapidly changing environmental conditions, switching to sustainable alternatives is no more an option, but a necessity. Increased adoption of electric vehicles is one way to tackle the issue. However small a solution it may look, the collective effort can yield significant results.

A new vehicle buyer can always choose an electric vehicle over a traditional combustion engine vehicle. But, what about those who already have a petrol or diesel vehicle? If you are one of them, then this article is for you. You can still do your part in preserving the environment by choosing to convert petrol cars to electric cars. You can get a car insurance for your electric car. Here’s all you need to know about diesel or petrol to electric car conversion.

Types of electric vehicles

There are primarily three types of electric vehicles (EVs):

1. Battery Electric Vehicles (BEV):

These electric vehicles are charged using DC level 3 chargers. These are one of the most environmentally friendly vehicles. A prime example of BEV is Tesla X.

2. Plug-in Hybrid Electric Vehicles (PHEV):

These electric vehicles get power from both the plugging-to-power method as well as Regenerative Braking. Prime examples are Porsche, BMW, and Mercedes.

3. Hybrid Electric Vehicles (HEV):

These types of electric vehicles initially start using electric power and then shift to gas as and when speed increases. There are many international fleets of HEVs manufactured by popular brands such as Toyota and Honda.

Retrofitting a car with an electric kit

While the need and significance of electric vehicles are well known, it is also true that electric vehicles are not easy on the pocket. However, today, we do have a sustainable alternative. Something which was not feasible a decade ago has become one of the most popular hacks of the vehicle industry—converting traditional fuel cars into electric cars.

Are you wondering—is this possible? Is it legal? If yes, how do you go about conversion of a petrol car to an electric car in India? Let us deal with these questions one by one.

• Yes, it is possible to convert your petrol or diesel-run vehicle into an electric vehicle.
• It is legal as authorities have made due changes in the Central Vehicle Motors Rule, 1989 to allow you to convert diesel cars to electric vehicles.
• The rule allows retrofitting traditional combustion engine vehicles with an electric core.
• Cars with retrofitted electric cores have an electric car conversion kit as well. This is to ensure the smooth functioning of the vehicle.
• With an electric core, erstwhile petrol or diesel-run vehicles can choose to power their vehicles using electric battery-operated systems.
• Retrofitting a petrol or diesel-run car with an electric kit will not only help restrict environmental pollution but also phase out or remodel old and unfit cars.
• As per the norms of the Central Vehicle Motors Rule, retrofitting can be graded into three categories: conversion into an electric vehicle for all types of vehicles, hybrid conversion for those weighing 3.5 tonnes, and for vehicles that weigh more than 3.5 tonnes.

Factors to consider before converting to EV

Here are a few things to keep in mind before converting your car to EV:

• Compatibility: All models of vehicles can not be converted into an EV. Assess the condition, age and structural integrity of your car.
• Legal Compliance: Ensure the conversion kit is ARAI-approved and the retrofitting is performed by authorised professionals.
• Insurance: Update your car insurance plan to reflect the modifications. Comprehensive car insurance is recommended to cover potential risks associated with the new electric setup.
• Performance Expectations: Understand that converted EVs may have different performance metrics compared to factory-built electric cars.

Benefits of electric vehicles

Some benefits of electric vehicles include:

• No use of fuel: Fuel prices have been rising and do not appear to be going down anytime soon. With an electric vehicle, you may stop buying petrol or diesel to refuel your vehicle, thus saving money.
• Environment-friendly: Air quality remains unaffected and air pollution is reduced by electric cars. These vehicles generate less noise pollution as well.
• Easy maintenance: An electric four-wheeler has fewer parts than a fuel-powered vehicle. The structure is relatively much simpler. As a result, maintaining such a vehicle is also less expensive.
• Regenerative braking: Most electric vehicles come equipped with this technology. In this, every time the vehicle applies the brakes, the electric generator of the vehicle generates electricity and recharges the battery.
• Safe: In the event of an accident, electric cars are less likely to sustain significant damage. This can be ascribed to their lightweight design.
• Sustainable: Electric vehicles are the future of the automobile industry. Getting used to electric vehicles is advantageous compared to using traditional fuel-run vehicles

Drawbacks of electric vehicles

• Covers less distance: The mileage offered by electric vehicles is relatively lower than that of cars that run on petrol or diesel.
• Expensive: This is one of the most evident concerns with electric vehicles that are available in the market today. All of them are high in cost.
• Lack of infrastructure: Sustainable and smooth use of electric vehicles requires significant and expensive infrastructure, in the sense that roads should have ample recharge stations. Such infrastructural backup is not yet available in India.
• Long recharge time: Electric vehicles need some prep time and in some cases, they can take significant time to get fully recharged.

How are hybrid vehicles different from electric vehicles?

Here are some major differences between hybrid vehicles and electric vehicles:

What is the cost of converting a petrol car into an electric car in India?

While there is no fixed cost chart for the conversion of petrol cars to electric cars in India, retrofitting electric cores can be an expensive process. The exact cost of to petrol-to-electric car conversion varies from kit to kit. Several competitive electric vehicle kit manufacturers and retailers offer retrofittable electric car conversion kits and electric engine cores. On average, these electric car conversion kits cost between Rs 3 lakh and Rs 5 lakh.

FAQs

1. Is it possible to convert a petrol or diesel car into an electric car?

Yes, using retrofitting and an electric car conversion kit, a petrol or diesel car can be converted into an electric car.

2. Is changing car engines in India illegal?

To change car engines in India, you will first have to take permission for the same from your RTO. If the RTO approves, only then you can make the changes. Any other self-induced initiative to change car engines will be deemed illegal.

3. What is retrofitting?

Retrofitting is the process of converting your petrol or diesel-run car into an electric vehicle using an electric engine core and an electric car conversion kit. This involves changing or altering the original engine with a battery-operated engine and making other changes that are necessary to convert a petrol car to an electric one.

4. What is the average distance that can be covered by an electric car on one charge?

In general, an electric vehicle can cover a distance of 80 kilometres to 160 kilometres on one charge. High-end electric vehicles, like the one manufactured by Tesla, can run up to 320 kilometres on one charge.

5. How much does it cost to convert a petrol car into an electric car?

A fuel-run petrol or diesel car can be converted into an electric car by the means of retrofitting. On average, it costs between Rs 4 lakh and Rs 5 lakh.

6. How long does an EV take to get fully charged?

There is no standard answer to this query as the charging time for each vehicle will differ from company to company and model to model. Check the user manual of the vehicle or contact the vehicle dealer to know the answer.

7. How are electric vehicles better for the environment?

Unlike Internal Combustion Engine cars, electric vehicles do not run on fossil fuels such as petrol and diesel. The burning of these fuels causes major carbon emissions. Since electric vehicles run on electric motors and battery-source power, the carbon emissions stand significantly checked. Thus, electric vehicles help in restricting environmental pollution. Also, they produce less sound than the ICE car and help in checking noise pollution as well.

Conclusion

Converting your petrol or diesel car into an electric vehicle is a good option for those looking to shift to sustainable transportation, but do not want to purchase a new car. The initial cost of converting may seem a bit high, but in the long run, the reduced operational costs and environmental impact make it a decision that you will not regret. Ensure compliance with legal requirements, choose ARAI-approved kits and update your comprehensive car insurance to reflect the modifications. Not only does the type and coverage of your car insurance plan change, but the premiums change too. You may need to buy some add-ons or get a vehicle check conducted. Stay in touch with your insurance provider for any additional information during and after converting your car to an EV.

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 - 06 Feb 2026

Imagine being stopped for a routine check and realising you don’t have your insurance handy. It’s a situation many drivers face, but it’s easy to avoid. Having your four wheeler insurance policy downloaded keeps you prepared and stress-free. Beyond being a legal requirement, it protects you from unexpected expenses.

With online access, you can quickly download your policy, store it safely and drive confidently knowing your coverage details are always within reach.

Why is it important to download your car insurance policy?

It’s important to download your car insurance policy because it serves as proof of valid coverage whenever required. Having a soft copy on your phone or email allows you to instantly show it during traffic checks, accidents or claims, saving time and avoiding penalties.

It also ensures you always have access to your policy details, renewal dates and coverage information. Regularly checking your car insurance online helps confirm that your policy remains active and up to date.

Documents required before downloading the car insurance policy

To download your car insurance policy in India, you’ll need to provide documents that verify your identity and vehicle ownership. Keep these ready:

• Vehicle Registration Certificate (RC): Confirms vehicle ownership and registration.
• Proof of Identity: Aadhaar, PAN, passport or driving licence.
• Policy Number or Registered Details: Needed to log in or request an OTP.
• Registered Email or Mobile Number: For OTP verification and document access.

For renewals or special cases, you may also need:

• Previous Policy Details or Renewal Notice
• Vehicle Inspection Report (if the policy has lapsed)
• Recent Photograph (if requested)

These documents ensure a smooth and verified download process.

Step-by-step process to download a car insurance policy online

Downloading your car insurance policy is a simple process. Insurance providers usually have a dedicated portal, app or customer care department to help you through the process. To obtain your policy documents:

• Go to the official website of the insurance provider
• Put your credentials and log in to your user account, or make a new user account
• Go to the policy section, open “My policies” or “Download Policy”
• Verify the details and download the policy document
• Save the softcopy or make a print of the document

How to download a car insurance policy via the insurer’s mobile app

You can easily download your car insurance policy through your insurer’s mobile app. Start by downloading the official app from the Play Store or App Store and logging in with your registered mobile number, email or customer ID using the OTP sent to you.

Once logged in, go to the “Policies” section on your dashboard to view your active covers. Select your vehicle using its registration number, then tap “Download PDF” or the download icon to save your digital policy for quick and secure access anytime.

How to download a car insurance policy from the insurer’s official website

To download your car insurance policy from your insurer’s official website, visit the insurer’s site and log in using your registered credentials. Go to your account dashboard or the “Policy Documents” section and look for an option such as “Download Policy” or “Get Policy Copy.”

You may be asked to verify your identity through an OTP sent to your registered mobile number or email. Once verified, you can download and save the digital copy of your car insurance policy for future reference.

What do you do if you lose your car insurance policy document?

If you lose your car insurance policy document, start by informing your insurance company immediately through email or their toll-free number to request a duplicate. Next, file an FIR at the local police station and share a copy with your insurer along with a written request.

You may also need to publish a newspaper notice stating the loss of your policy. Finally, prepare a notarised indemnity bond with your name and two witnesses, attach it with the required stamp paper fee and submit it to the insurer for reissuance.

Benefits of keeping a digital copy of your car insurance policy

Keeping a digital copy of your car insurance policy is safer and more convenient than relying on paper documents. It is legally valid and can be accessed anytime through apps like DigiLocker or mParivahan, which are accepted by authorities during checks or claim verification.

A digital copy prevents loss or damage, speeds up renewals and claims and reduces paperwork. It also helps you stay compliant without carrying physical documents, while supporting the Digital India initiative.

Conclusion

A car insurance policy isn’t just a legal requirement; it is your financial safety net on the road. Keeping a digital copy ensures that protection is always at your fingertips, no matter where you are. It saves time, prevents unnecessary stress during checks or emergencies and gives you the confidence to drive worry free. In India, having at least a third party car insurance policy is mandatory, so it’s important to make sure you are covered.

For personalised guidance on choosing the best car insurance plan for your needs, fill out the form on this page and get expert advice today.

FAQs

1. Can a car insurance policy be downloaded without logging in?

No, login details such as the policy number or registered mobile number must be entered before the document can be downloaded.

2. Can a duplicate policy be downloaded if the original copy is lost?

Yes, once identity verification is completed, a duplicate copy can be downloaded through the insurer’s website or app.

3. Is a downloaded policy accepted during traffic checks?

Yes, the digital policy is legally recognised in India when shown through DigiLocker, mParivahan or directly from the insurer’s PDF copy.

Disclaimer: This blog provides information on how to download a car insurance policy. The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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 - 09 Feb 2026

Driving in India comes with countless challenges. Poor road conditions, open manholes and complete disregard for traffic rules by some motorists are among the leading causes of road accidents in the country. No matter how cautiously you drive, you have no control over several unfortunate incidents, including scratches.

Dents or scratches are minor incidents, and fixing them usually does not cost much. However, if you have a car insurance policy, you might wonder whether it covers such small incidents and whether it’s worth filing a claim for them. Let's look at it in detail.

Are car scratches covered in a car insurance policy?

Car insurance coverage varies depending on the insurer and the policy terms. It is critical to read the policy wording carefully to understand inclusions and exclusions and avoid any possible claim rejections. Mostly, popular insurers cover scratches. However, if you have only a third-party liability insurance policy for your car, without a standalone own damage cover, the insurer will deny your claim.

Types of car insurance that cover scratches

Scratches on a car are covered only under certain types of insurance policies. In India, comprehensive car insurance is the primary policy that protects against such damages. It goes beyond third-party liability and includes coverage for your own vehicle, whether the scratches occur due to a minor accident, vandalism or any unforeseen incident.

Some insurers also offer own damage (OD) cover as a standalone policy, which provides similar protection for your vehicle against accidental or environmental damage, including scratches.

On the other hand, a third-party insurance policy, which is mandatory by law, does not cover any repair costs for scratches or dents on your own car. Therefore, to ensure complete financial protection, opting for a comprehensive or own damage policy is the best choice.

Will a car scratch affect your deductibles?

Yes, a car scratch claim will affect your deductible. If you are filing a claim even for small scratches under comprehensive car insurance, you would still need to cover your deductible first before the rest of it would get picked up by the insurer. In cases where the repair cost is lower than or close to your deductible amount, it may not be worth filing a claim.

Will a car scratch impact your premium?

Yes, reporting a claim for a car scratch can affect your insurance premium. When you raise a claim, even for minor damages, you may lose your No Claim Bonus (NCB), which otherwise helps reduce future premiums.

If you have previously filed several claims, it will give the insurer the impression that you have poor driving skills and are likely to file a significant claim soon. As a result, to offset their potential financial burden, you will be charged higher premiums.

Avoid filing minor insurance claims and try to accumulate NCB rewards to make the best of your car insurance.

How to file a claim for minor car scratches?

Here’s how to file a claim for minor car scratches:

• Verify your policy: Since scratches are typically not covered by third-party car insurance, make sure you have comprehensive or own-damage coverage.
• Report as soon as you can: Notify your insurer by phone, email, website or mobile app as soon as possible (usually within 48 to 72 hours).
• Take pictures of the damage: Make sure to take clear pictures and videos of the scratches from various perspectives.
• Submit a claim form: It will request your policy number, vehicle and personal details and proof of damage.
• Vehicle inspection: To examine the damage and determine the cost of repairs, the insurer may even designate a surveyor.

Documents required to claim car scratch insurance

These are the documents that you may be required to present when filing a claim for scratches:

• Vehicle registration certificate (RC): Serves as proof of ownership of the car.
• Driving licence: Belonging to the person who was driving the vehicle at the time of the incident.
• FIR or police report: Mandatory if the scratches resulted from vandalism, theft or an accident.
• Photographs or videos of the damage: Needed to assess the extent and nature of the scratches.
• Insurer’s claim form: Must be duly filled out and signed by the policyholder.
• Repair bills or invoices: Required if you are applying for reimbursement after getting the car repaired.

Steps to get your car scratch repaired through insurance

To get your car scratches repaired through insurance, start by informing your insurer immediately after the damage occurs and submitting a claim as soon as possible. You will then need to provide the necessary documents. Next, an inspection and survey will be conducted by the insurer’s loss assessor to evaluate the extent of the scratches and estimate the repair cost.

Once approved, you can take your car to a network or authorised garage for restoration. Depending on your policy, the claim will be settled either as a cashless repair, where the insurer pays the garage directly, or as a reimbursement, where you pay upfront and later receive the approved amount from the insurance company.

How long does it take to settle a car scratch claim?

In case of cashless claims, based on the final surveyor report, if the vehicle is repaired in a network garage, it would take 3 to 5 working days after submitting the documents. Repayment claims, however, can take 7 to 10 days as they require additional verification and documentation. The quicker documents are received, the quicker a case can settle.

Tips to avoid car scratch claims rejection

To prevent car scratch claim rejection, always follow these tips:

• Tell your insurer about the damage as soon as you can, and don’t put off making that call.
• Give accurate details of the circumstances of such a scratch, and submit clear photographs.
• Make sure you have a non-expired car insurance policy with comprehensive insurance, since scratches are not covered by third-party insurance.
• Avoid repairing the car before inspection by the surveyor.
• Submit all required documents like RC, driving licence and policy papers on time.

Difference between own damage and third-party coverage

Own damage and third-party cover are two crucial aspects of car insurance. Third-party insurance is the legal requirement in compliance with the Motor Vehicles Act and provides for damages caused by your vehicle to another person/property. But it provides no coverage for your own car. Whereas, own damage insurance protects against losses or damages caused to your own car due to accidents, theft, fire or other natural calamities. In order to secure the best protection, it is also advisable to consider a policy that offers the combination of both coverages.

Conclusion

The right car insurance is critical to ensure you and your vehicle are properly covered while driving. Third-party insurance takes care of your statutory liability, whereas opting for comprehensive car insurance provides more extensive coverage, including damages to your own vehicle as well as third-party liabilities. It also protects you against unexpected costs in accidents, theft or natural disasters. If you need guidance in selecting the best car insurance plan for your needs, fill out the form below, and our experts will help you compare and choose the right plan.

FAQs

1. Does comprehensive car insurance cover minor scratches?

Yes, comprehensive car insurance usually covers scratches, dents and minor damages, unlike third-party insurance, which only covers damages to others’ property.

2. Will claiming for scratches affect my car insurance premium?

Filing a scratch claim may affect your premium and reduce your No Claim Bonus (NCB), so it’s important to evaluate repair costs before claiming.

3. What documents are required to file a car scratch claim?

You need your car insurance policy, registration certificate, driving licence, photos of damage, FIR (if applicable), claim form and repair invoices.

4. How long does it take to settle a car scratch claim?

Cashless claims at network garages typically settle in 3-5 working days, while reimbursement claims may take 7-10 days, depending on documentation and verification.

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.

Driving a four-wheeler comes with numerous risks, and insurance exists to protect you from them. Indian law mandates third-party liability insurance for all car owners. It means you cannot drive your dream car if it is not covered by third-party insurance. However, this is a bare minimum coverage and does not protect you against damage to your own vehicle. If you want to protect your car, then you must opt for either your own damage or comprehensive car insurance. Today, we will look at our own damage insurance and its claim settlement process in detail.

What is an own-damage car insurance claim?

Based on the Insurance Regulatory Development Authority of India's (IRDAI) directive, a standalone own-damage policy was introduced in September 2019. It is a separate cover that protects your vehicle financially against damage caused by fire, accident, theft, or natural disaster. However, the policy is only available if your car has active third-party coverage. Own damage cover allows you to purchase riders to boost the scope of policy coverage.

Types of claim settlements

When filing an own-damage car insurance claim, the settlement can happen in two ways:

1. Cashless claim settlement

• The car is repaired at a network garage affiliated with the insurer.
• The insurance company directly settles the cost incurred during repair with the garage.
• The policyholder must only pay for exclusions like depreciation, consumables, or voluntary deductibles.

2. Reimbursement claim settlement

• The policyholder gets the car repaired at a garage of their choice.
• They pay for the repairs upfront and later submit bills to the insurer.
• The insurer reimburses the amount after verifying the claim.

How to claim car insurance for own damage?

• Notify your insurer

Inform your insurer immediately about the mishap that caused damage to your car. Doing that within the stipulated time is important.

• File an FIR

You must immediately file an FIR if your car is damaged in a road accident or stolen.

• Damage assessment

Following your intimation to the insurer, a surveyor from your insurer's side will visit the incident scene and assess the extent and nature of the damage.

• Report evaluation

Your insurer will review the surveyor's report and process your claim accordingly.

• Settlement

If you are submitting a cashless claim, the bills will be settled directly with the garage. In the event of a reimbursement claim, the insurer will review the estimated cost, provided by the surveyor, and actual bills and pay the amount into your account within 2-3 working days.

Documents required for filing the claim for own damage

Accident-related claims

• Duly filled claim form
• Road tax receipts
• Copy of your own damage policy document
• Copy of car registration certificate
• Driving licence of the person in the driver's seat at the time of the incident
• Original repair invoices
• Address of the place where the vehicle is inspected (if not garage)

Theft-related claim

• Copy of your own damage policy document
• Copy of FIR
• Copy of declaration form submitted with the RTO
• Subrogation letter
• Road tax receipt
• Original registration certificate
• Form No. 28, 29, 30 and 35
• Intimation letter from the RTO stating vehicle discontinuation
• Warranty cards, booklet, and duplicate keys

Points to remember while raising claims for own-damage

• Avoid delaying the submission of the claim following the incident. Filing a claim after the deadline may result in its rejection.
• If the damage comprises dents, scratches, or minor flaws, try to cover the cost out of your pocket. Filing minor claims exhaust your car insurance NCB and nullify the opportunity to save money on premiums.
• Save all invoices and make sure you have a copy of the FIR with you if the claim is related to an accident or theft.
• Understand the terms and conditions of your policy. Go over the inclusions and exclusions before filing a claim.
• If possible, write down the registration number of the third-party vehicle involved in the accident. It will be required when filing an FIR.

Conclusion

Filing an own-damage car insurance claim is straightforward when you follow the right steps and submit the necessary documents. Whether you choose a cashless claim settlement or reimbursement, timely reporting and adherence to insurer guidelines ensure hassle-free claim approval.

While third party car insurance is mandatory by law, having an own-damage car insurance policy provides crucial financial protection against unexpected damages. Always stay informed about your policy coverage, exclusions, and claim procedures in order to avoid any surprises in times of need.

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.

Last updated: 05 Feb 2025

Are you planning to buy a new car? While you may have shortlisted the car of your choice and arranged for funds, have you looked up the difference between what has been quoted to you as the price of the car by the dealer, and what you will be actually paying? You must know what ex-showroom price means and what is the on-road price of the car you wish to buy before closing the deal.

What is the ex-showroom price?

In simple terms, the ex-showroom price is the price at which dealers buy or procure a vehicle from the manufacturer. This price does not include the cost of vehicle registration, which must be done at the local RTO. Also, the ex-showroom price does not include road tax and insurance costs. Here’s all you need to know to understand what ex-showroom price means:

• Registration, road tax, and insurance are non-negotiable for driving or riding a motor vehicle in India. Not adhering to these three compliances can attract heavy fines and even imprisonment. The ex-showroom price does not include the cost of these.
• The ex-showroom price includes the factory cost of the vehicle, Goods and Services Tax (GST), and the profit margin of the vehicle dealer. However, you will have to pay extra for optional accessories.
• The ex-showroom price of a vehicle is the advertised price.

What is the on-road price?

The on-road price is the final amount you pay to receive a ready-for-road vehicle from your dealer. The points mentioned below will help you understand what is the on-road price:

• The on-road price is inclusive of the ex-showroom price, the cost of vehicle registration, road tax, and the cost of insurance.
• In case you want additional features and accessories, then the same is included in the on-road price of the vehicle.
• You can check the difference between the ex-showroom price and the on-road price using online calculators or by reaching out to the dealer.

Difference between a vehicle’s ex-showroom price and on-road price

Here are the major difference between the ex-showroom price and the on-road price:

On-road price for new vehicles

Several factors affect the on-road price of a vehicle. While some of these factors are obligatory, others are optional. It is crucial to know these factors, or else you may find yourself confused between the difference in your estimated purchase price and the actual vehicle price.

• Charges of vehicle registration

Whether you buy a bike or a car, it must be registered at the Regional Transport Office (RTO). Usually, the dealer from whom you are buying the vehicle gets this done. Correspondingly, the dealer includes this expense in the final price of the vehicle that is the on-road price. Note, vehicle registration charges differ from state to state. Also, the vehicle registration charges increase if you want a specific registration number.

• Road tax

When you use a motor vehicle on Indian roads, you must pay the road tax. While this is a component of the on-road price, it is calculated based on the ex-showroom price. Usually, it is a percentage levied on the ex-showroom price, which ranges between 2% and 3%. The road tax paid once remains valid for 10-15 years.

• The tax collected at the source

The dealer levies a tax of 1% of the ex-showroom price of the vehicle. This tax is called tax collected at source.

• Annual maintenance charges

Many vehicle dealers offer an annual maintenance package that includes services like cleaning the vehicle, polishing, roadside assistance, and more. If you take up this package, then the on-road price will increase further.

• Cost of essential accessories

Some accessories such as floor mats and seat covers are essential. You can buy these essential accessories from your vehicle dealer or you can opt to buy them separately. If you buy them from your vehicle dealer, then the cost of the same will be included in the on-road price.

• Cost of extra accessories

There are some accessories that you choose to add to your car or bike to enhance its features and/or efficiency. For example, you may want to buy a trendy helmet for your bike or install a GPS navigation tool in your car. Adding these extra accessories to your purchase list will increase the final that is the on-road price of your vehicle.

• Extended warranty

All vehicles come with a fixed warranty provided by the manufacturer. It is available only up to a certain time or distance travelled. However, you can extend this warranty by paying some additional charges. Remember, this additional charge is included in the on-road price of the vehicle.

• Green cess

Post the ban on diesel vehicles in Delhi and NCR, the Supreme Court of India issued an obligatory cess called green cess, which is charged on the ex-showroom price of the vehicle. The cess differs from state to state and is decided by the government. It is subject to change as per the government’s policy decision.

• Handling charges

Your vehicle dealer must get your vehicle from the manufacturer’s factory outlet or warehouse. The transfer of vehicles from one place to another consists of transportation and handling charges. These charges are added to the on-road price of the vehicle. These costs are included in the profit margin of the dealer. Note, this particular component is not added to the on-road price separately. Rather, this is a component of the ex-showroom price.

• Insurance

As per the Motors Vehicle Act, you cannot drive your vehicle on the roads without valid motor insurance. You must have at least third-party car insurance. Usually, dealers have tie-ups with insurance providers and they arrange it for you. Or, you can get your insurance on your own. However, if you get your motor insurance from your dealer, it is only obvious that the cost of it will be added to the on-road price of the vehicle.

In the wake of rapidly changing environmental conditions, switching to sustainable alternatives is no more an option, but a necessity. Increased adoption of electric vehicles is one way to tackle the issue. However small a solution it may look, the collective effort can yield significant results.

A new vehicle buyer can always choose an electric vehicle over a traditional combustion engine vehicle. But, what about those who already have a petrol or diesel vehicle? If you are one of them, then this article is for you. You can still do your part in preserving the environment by choosing to convert petrol cars to electric cars. Here’s all you need to know about diesel or petrol to electric car conversion.

Types of electric vehicles

There are primarily three types of electric vehicles (EVs):

• Battery Electric Vehicles (BEV): These electric vehicles are charged using DC level 3 chargers. These are one of the most environmentally friendly vehicles. A prime example of BEV is Tesla X.
• Plug-in Hybrid Electric Vehicles (PHEV): These electric vehicles get power from both the plugging-to-power method as well as Regenerative Braking. Prime examples are Porsche, BMW, and Mercedes.
• Hybrid Electric Vehicles (HEV): These types of electric vehicles initially start using electric power and then shift to gas as and when speed increases. There are many international fleets of HEVs manufactured by popular brands such as Toyota and Honda.

Retrofitting a car with an electric kit

While the need for and significance of electric vehicles are well known, it is also true that electric vehicles are not easy on the pocket. However, today, we do have a sustainable alternative. Something that was not feasible a decade ago has become one of the most popular hacks of the vehicle industry—converting traditional fuel cars into electric cars.

Are you wondering—this is possible? Is it legal? If yes, how do you go about the conversion of a petrol car to an electric car in India? Let us deal with these questions one by one.

• Yes, it is possible to convert your petrol or diesel-run vehicle into an electric vehicle.
• It is legal as authorities have made due changes in the Central Vehicle Motors Rule, 1989, to allow you to convert diesel cars to electric
• The rule allows retrofitting traditional combustion engine vehicles with an electric core.
• Cars with retrofitted electric cores have an electric car conversion kit as well. This is to ensure the smooth functioning of the vehicle.
• With an electric core, erstwhile petrol or diesel-run vehicles can choose to power their vehicles using electric battery-operated systems.
• Retrofitting a petrol or diesel-run car with an electric kit will not only help restrict environmental pollution but also phase out or remodel old and unfit cars.
• As per the norms of the Central Vehicle Motors Rule, retrofitting can be graded into three categories—conversion into an electric vehicle for all types of vehicles, hybrid conversion for those weighing 3.5 tonnes, and for vehicles that weigh more than 3.5 tonnes.

Benefits of electric vehicles

Some benefits of electric vehicles include:

• No use of fuel

Fuel prices have been rising and do not appear to be going down any time soon. With an electric vehicle, you may stop buying petrol or diesel to refuel your vehicle, thus saving money

• Environment-friendly

Air quality remains unaffected and air pollution is reduced by electric cars. These vehicles generate less noise pollution as well.

• Regenerative braking

Most electric vehicles come equipped with this technology. In this, every time the vehicle applies a brake, the electric generator of the vehicle generates electricity and recharges the battery.

• Safe

In the event of an accident, electric cars are less likely to sustain significant damage. This can be ascribed to their lightweight design.

• Sustainable

Electric vehicles are the future of the automobile industry. Getting used to electric vehicles is advantageous compared to using traditional fuel-run vehicles.

Drawbacks of electric vehicles

While EVs are generally great, they too have certain limitations:

Covers less distance

The mileage offered by electric vehicles is relatively lower than that of those cars that run on petrol or diesel.

Expensive

This is one of the most evident concerns with electric vehicles that are available in the market today. All of them are high in cost.

Lack of infrastructure

Sustainable and smooth use of electric vehicles requires significant and expansive infrastructure, in the sense, that roads should have ample recharge stations. Such infrastructural backup is not yet available in India.

Long recharge time

Electric vehicles need some prep time and in some cases, they can take significant time to get fully recharged.

How are hybrid vehicles different from electric vehicles?

Here are some major differences between hybrid vehicles and electric vehicles:

What is the cost of converting a petrol car into an electric car in India?

While there is no fixed cost chart for the conversion of petrol cars to electric cars in India, retrofitting electric cores can be an expensive process. The exact cost of petrol to electric car conversion varies from kit to kit. Several competitive electric vehicle kit manufacturers and retailers offer retrofittable electric car conversion kits and electric engine cores. On average, these electric car conversion kits cost between Rs 3 lakh and Rs 5 lakh.

No matter the type of car you have, don’t forget to secure yourself, your vehicle & your finances with adequate car insurance.

Things to know before converting to electric vehicles

Before making the switch, consider the following:

• Legal approval: Only use RTO-approved kits and certified garages.
• Battery quality: Opt for lithium-ion batteries for better performance and longevity.
• Warranty and support: Check for warranties on electric kits and after-sales support.
• Insurance update: Inform your insurer and update your car insurance policy post-retrofit.
• Charging options: Make sure you have access to a reliable home charging setup or public charging network.

Frequently asked questions about converting your petrol and diesel car into an electric vehicle

1. Is it possible to convert a petrol or diesel car into an electric car?

Yes, using retrofitting and an electric car conversion kit, a petrol or diesel car can be converted into an electric car.

2. Is changing car engines in India illegal?

To change car engines in India, you will first have to take permission for the same from your RTO. If the RTO approves, only then you can make the changes. Any other self-induced initiative to change car engines will be deemed illegal.

2. What is retrofitting?

Retrofitting is the process of converting your petrol or diesel-run car into an electric vehicle using an electric engine core and an electric car conversion kit. This involves changing or altering the original engine with a battery-operated engine and making other changes that are necessary to convert a petrol car to an electric one.

3. What is the average distance that can be covered by an electric car on one charge?

In general, an electric vehicle can cover a distance of 80 kilometres to 160 kilometres on one charge. High-end electric vehicles, like the one, manufactured by Tesla can run up to 320 kilometres on one charge.

4. How much does it cost to convert a petrol car into an electric car?

A fuel-run petrol or diesel car can be converted into an electric car by the means of retrofitting. On average, it costs between Rs 4 lakh and Rs 5 lakh.

5. How long does an EV take to get fully charged?

There is no standard answer to this query as the charging time for each vehicle will differ from company to company and model to model. Check the user manual of the vehicle or contact the vehicle dealer to know the answer.

6. How are electric vehicles better for the environment?

Unlike Internal Combustion Engine cars, electric vehicles do not run on fossil fuels such as petrol and diesel. The burning of these fuels causes major carbon emissions. Since electric vehicles run on electric motors and battery-source power, the carbon emissions stand significantly checked. Thus, electric vehicles help in restricting environmental pollution. Also, they produce less sound than the ICE car and help in checking noise pollution as well.

Conclusion

Converting your petrol or diesel vehicle into an electric one is a smart way in which you align with the government’s goals of making green energy more popular.

While the initial cost and infrastructure might seem challenging, the long-term benefits—financial and environmental—are significant. Before shifting to EV, ensure you are informed about the technical, legal and insurance factors, especially updating your comprehensive car insurance and car insurance policy for the new electric setup. With careful planning, your transition to green mobility can be smooth and rewarding.

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

Are you eagerly waiting for updates on your UK visa application? Understanding how to track UK visa application status is crucial to staying informed about the progress of your application.

In this comprehensive guide, we will discuss how you can track UK visa application status. From online UK visa tracking in India to understanding how to do UK visa tracking GWF number India, we will provide step-by-step guidance. Additionally, we will cover how to check your UK visa status using your passport number. By following these ways, you can stay updated on UK visa tracking process and ensure a smooth journey ahead.

Understanding types of status for UK visa

When you check your UK visa application, you may come across several different status updates. Here’s a quick breakdown of what they typically mean:

• Application received: Your visa application has been successfully submitted and received by the UKVI.
• Under process: The application is currently being reviewed.
• Decision made: A decision has been taken on your application, though the outcome (approval or rejection) will be communicated separately.
• Ready for collection: Your passport and visa decision are ready to be collected from the application centre.
• Dispatched: Your documents have been sent to your address if you opted for courier delivery.

Understanding these terms helps avoid unnecessary worry and gives you a sense of timeline expectations.

Steps to check UK visa status online

To track UK visa application online, follow the steps given below:

1. Visit the official website of the British Consulate or log in to VFS Global, the authorised visa application centre.
2. Locate the section or option for tracking your visa status on the website.
3. Enter the tracking ID that you received via SMS and email after submitting your visa application. This unique ID is essential for identifying your application in the system.
4. Provide your date of birth in the YYYY-MM-DD format as per your application records.
5. Enter the captcha text displayed on the screen accurately to ensure security and prevent automated submissions.
6. Click on the "Submit" or "Check Status" button to proceed with the tracking process.
7. The webpage will then display the current UK visa application status. The status may indicate different stages such as "Submitted," "Under Review," "Approved," or "Rejected." Take note of the displayed status for your reference.

If you are wondering how to check UK visa application status through a third-party website, please note you may have to provide additional details such as-

• Your passport number
• Visa tracking number
• Your date of birth

By following the steps discussed above you can easily track the status of your UK visa application online, which also includes the option to check the status using your passport number.

Steps to check UK visa status online via mail?

Suppose you are unable to check your UK visa status online directly from the official website and want to know how to check UK visa status with passport number or just the unique visa id. In that case, there is another online UK visa tracking method available. Here is how to check UK visa status via email:

1. Email the British Consulate: If you are unable to access the online tracking process, you can send an email to the British Consulate. Look for the appropriate email address provided on their official website.
2. Include your unique application number: In the email, make sure to include your unique application number. This number is crucial as the consulate will need this number to identify your UK visa application accurately. For a better and easy search, provide other details like your password number.
3. Request for a status update: Request an update on your UK visa status in the email. Clearly mention that you are seeking information about the progress of your UK visa application status.
4. Allow sufficient time for a response: The British Consulate typically responds to visa status inquiries within 3 working days. Therefore, be patient and check your email for a response during this timeframe.

Thus, by emailing the British Consulate with your application number, you can UK visa status check.

How to track UK visa status offline

Wondering, how to track UK visa applications via SMS? Follow the steps given below -

• Ensure that you have provided a valid mobile phone number during the visa application process.
• Wait for updates from the consulate office via SMS. They will send notifications about the progress of your UK visa application.
• Regularly check your inbox for any text messages related to your visa status. These messages will provide updates on the various stages of the application process.
• For tracking the status, individuals can conveniently send an SMS to the number 7333 using their mobile phones. This service is accessible to users of all Indian network service providers, including both CDMA and GSM platforms.

UK visa application centres in India

Do you know you can also check your UK visa application status by visiting visa centres? Wondering how to check the UK visa application status via visa centres in India? Don’t worry, we got you covered.

These are the 12 UK visa application centres in India, spread across different states. Each centre has specific contact details and operational hours for visa application processing. Applicants can visit these centres during the specified timings for assistance with their UK visa applications. The details of these 12 visa centres are –

• New Delhi
• Address: International Trade Tower, Nehru Place, New Delhi
• Phone number: 011 2419 2100
• Official timing: 8.00 - 16.00

• Goa
• Address: VFS Global Services Pvt. Ltd., Patto Plaza, Panjim, Goa
• Phone number: 0832 663 6800
• Timing: 09.00 - 17.30

• Cochin
• Address: S&T Arcade, Ravipuram, M G Road, Cochin
• Kolkata
• Address: Rene Towers, East Kolkata Township, Kolkata
• Ahmedabad
• Address: Bhikhubhai Chambers, Ashram Road, Ahmedabad
• Phone number: 011 2419 2100
• Official timing: 08.00 - 16.00

• Pune
• Address: Gera 77, Kalyani Nagar, Pune
• Phone number: Not available
• Official timing: 08.00 - 14.00

• Chennai
• Address: Fagun Towers, Egmore, Chennai
• Phone number: 044 4219 2151
• Timing: 08.00 - 16.00Chandigarh

• Address: Sector 8 C, Madhya Marg, Chandigarh

Phone number: 0172 492 5100

Timing: 08.00 - 16.00

• Jalandhar
• Address: MIDAS Corporate Park, G.T. Road, Jalandhar
• Phone number: Not available
• Timing: 08.00 - 16.00

• Hyderabad
• Address: Sunil Chambers, Banjara Hills, Hyderabad
• Phone number: 040 6666 9147
• Timing: 08.00 - 16.00

• Bengaluru

Address: Prestige Atrium, Shivaji Nagar, Bengaluru

Phone number: 080 2210 0200

Timing: 08.00 - 16.00

• Mumbai South
• Phone number: Not available
• Official timing: 07.00 - 16.00
• Phone number: 033 40822200
• Official timing:08.00 - 16.00

Address: Express Tower, Nariman Point, Mumbai

Phone number: 022 6650 2222

Timing: 08.00 - 16.00

rmation.

UK visa application and travel insurance

Though travel insurance policy is not mandatory for a UK visa, it is highly recommended, especially for tourists, students and short-term visitors. Travel insurance provides financial security against trip cancellations, medical emergencies and loss of baggage or documents.

If you are applying for a single trip UK visa, investing in single trip travel insurance can give you peace of mind for the duration of your journey. Purchasing travel insurance online is quick, easy, and allows you to compare different plans suited to your travel needs.

Frequently asked questions on UK visa application

• How to get in touch with the UK visa and immigration department?

You can contact the UK visa and immigration department through their support line at +44 (0)844 8920232 if you are outside the UK. Please note that calls to this number will cost £0.04 per minute in addition to your provider's access charge. The support line operates from Monday to Friday, between 09:00 and 17:30. This provides a convenient avenue to seek assistance, ask questions, or address any concerns you may have regarding visa and immigration matters. By reaching out to the support line, you can access the expertise and guidance of the UK visa and immigration department to ensure a smooth and efficient visa application process.

• How to quicken the UK visa status?

To expedite the processing of your UK visa status, there are specific forms available that can help you receive a decision within a shorter period. These forms include SET (F), SET (AF), SET (M), and SET (LR). In order to quicken the UK visa status, it is necessary to download and complete the appropriate request and payment forms from the Home Office. It is important to note that only five requests are processed per day, and they are accepted between 8:00 a.m. and 12:00 p.m. To benefit from this expedited service, a fee of 490 EUR per person, which includes the application fee, is applicable. By following this process, you can accelerate the processing of your UK visa application and receive a decision within 4-5 working days.

• Can you check your UK Visa Application Status using your passport number?

Looking for “How to check UK visa status with passport number?” Follow these steps. Firstly, visit the official UK government website dedicated to visa and immigration services. Once on the website, locate the section titled "Check your visa" or "Check your visa status." Within this section, you will find a designated field where you can enter your passport number. If required, provide any additional information such as your full name, date of birth, or visa application reference number. After entering the necessary details, click on the "Check" or "Submit" button to initiate the verification process. The system will then retrieve and display the current status of your UK visa application. Take the time to review the information provided, noting down the visa status or any reference numbers for future reference or inquiries. This convenient online method allows you to check the status of your UK visa application using your passport number, providing you with timely updates on the progress of your application.

Conclusion

Tracking your UK visa application status doesn't have to be complicated. Whether you choose to check online or offline, staying informed helps you plan your trip with confidence. Also, don’t overlook the importance of securing travel insurance online—it adds an extra layer of protection to your journey. With the right information and preparation, your dream trip to the UK can be smooth and 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 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 info

Travelling by car and discovering new places is a one-of-a-kind experience. It allows you to capture not just beautiful moments in exotic settings but also creates a wealth of memories. However, if you are stuck in the middle of your trip with a broken car, particularly one with a damaged engine, your excitement may turn to sorrow. Your concerns may be compounded when you learn that even if your vehicle is covered by comprehensive car insurance, you will not receive assistance for engine leakage.

So, does this imply that insurers do not offer any option to cover engines? The solution is the engine protection (EP) cover. You can avail yourself of the benefits of this add-on cover by paying an additional premium.

What is engine protection cover in car insurance?

As the name suggests, the engine protection or EP cover reimburses the bill if the engine sustains damage due to water ingression, lubricant oil leakage, or a hydraulic lock fault. The coverage also includes key engine components. For example, if an engine's pistons, crankshaft, or gearbox are damaged, you can file a claim invoice.

However, the policy does not provide financial assistance if the engine is damaged as a result of your constant attempts to start your car while it is submerged. Another situation that is not covered is an increase in pressure when the engine is clogged with water.

Benefits of engine protector in car insurance

Incorporating an Engine Protector add-on into your four-wheeler insurance policy offers several advantages:

1. Comprehensive coverage: It extends protection beyond standard policies, covering engine-specific damages that are typically excluded.
2. Financial security: Engine repairs or replacements can be costly. This add-on mitigates out-of-pocket expenses, ensuring financial stability.
3. Enhanced vehicle lifespan: Timely repairs facilitated by this coverage can prolong the operational life of your vehicle.
4. Peace of mind: Knowing that engine-related issues are covered allows stress-free driving, especially in adverse conditions.

These highlight the importance of considering the Engine Protector add-on, especially for those with high-end vehicles or residing in areas susceptible to flooding.

Should you buy the engine protector add-on?

The Engine Protection Add-On is not suitable for everyone. For example, if you live in a city with a good drainage system and little rain, investing in this cover may not be worthwhile. However, if you live or drive in a flood-prone area, this add-on is a must-have to extend the life of your vehicle.

Deciding to purchase the engine protector add-on depends on various factors:

• Geographical location: If you live in areas prone to heavy rains, flooding, or waterlogging, this add-on is highly advisable.
• Vehicle usage: Frequent driving through terrains where water ingression is possible increases the necessity for this coverage.
• Car model and age: Owners of high-end or relatively new cars may find this add-on beneficial to protect their significant investment.
• Existing coverage: While bumper-to-bumper car insurance offers extensive coverage, it may not encompass engine-specific damages caused by non-accidental factors. Review your current policy details to identify coverage gaps and purchase add-ons accordingly.

You can buy this rider either at the time of buying a new policy or during the renewal process.

Conclusion

In four-wheeler insurance, the engine protection add-on is an important component for comprehensive vehicle protection. It provides coverage in areas usually overlooked by standard policies. Evaluating your circumstances, including environmental factors and vehicle specifics, can guide you in making an informed decision about purchasing this add-on for your insurance.

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

Updated on - 10 Feb 2026

If you own a car in India, having valid insurance is not just a choice; it’s a legal requirement. Many people often forget when their policy is due for renewal or are unsure if it is still active. The good news is that you don’t need to visit an office or go through long paperwork anymore. Today, you can quickly check your car insurance status online from anywhere.

This blog will help you understand step by step how you can do it in 2025. It’s simple, fast, and ensures you always stay safe and worry-free on the road.

Why is it important to know your car/vehicle insurance status?

You must know your vehicle insurance status for the following reasons:

1. It is illegal to drive a car without valid motor insurance. It can attract huge penalties.
2. An expired policy won’t cover you for third-party liabilities and own damage.
3. An up-to-date insurance policy allows you to make claims simply when needed.

How to check car insurance validity?

Checking the validity of your car insurance is essential to ensure you’re protected against liabilities and comply with legal requirements. There are several ways, online and offline, to check your vehicle insurance validity.

How to check vehicle insurance status online on parivahan sewa?

Go to the Parivahan Sewa portal of the Indian government. It is made for easy and quick renewal and checking of vehicle insurance.

• Go to the Parivahan e-service
• Tap on "know your vehicle details"
• Share your car registration number and then tap on the "search vehicle" option.
• The displayed result will include all relevant information about your vehicle, including the insurance expiration date.

How to check car insurance status online on the mParivahan mobile app?

To use the mParivahan app, follow these steps-

1. Download the application from Google Play or Apple Store.
2. Go to the app and register with your mobile number
3. Enter the vehicle registration details
4. You will find your vehicle details along with the insurance status

How to check car insurance status online on the IIB portal?

To check your car insurance status on the IIB (Insurance Information Bureau of India) portal, do the following:

• Go to the official website of IIB
• Go to the quick links displayed on the homepage and choose "V-Seva".
• After clicking the link, the Accident Vehicle Information Retrieval System webpage will appear on the screen
• Next, fill in the information such as the registered mobile number, registration number, and a few other details
• Always double-check the information before clicking the "Submit" button.
• The insurance status will be displayed on your computer screen.

How to check car insurance status online at the RTO?

To check the car insurance online on the RTO website, follow these simple steps-

1. Visit your state’s RTO official website.
2. Enter the vehicle registration number.
3. Request for the insurance details
4. Take a printout of the details and save them for future use.

How to check car insurance status online on ICICI Lombard?

Simply follow the steps mentioned below:

• Go to the ICICI Lombard website
• Navigate to the car insurance page and enter your vehicle's registration number, registered mobile phone number, and email address
• Click the "Submit" button
• Your insurance information will be displayed on the screen

Documents required to check car insurance status online

To check your car insurance status online, you usually need your car registration number, policy number, or mobile number linked with the policy. You may also need your ID proof details. Keep these documents ready before starting.

How to check vehicle insurance status offline?

To check the insurance status offline, you can try these options-

1. Visit the insurance provider’s office with policy details and your vehicle’s registration certificate (RC).
2. Contact the customer care department of the insurance provider.
3. Visit the nearest RTO office.

Why is it important to renew car insurance on time?

Renewal of car insurance on time is important because-

1. It protects from any lapse or policy expiration.
2. Timely renewal saves money on extra charges or expenditures when your vehicle is not protected by insurance.
3. You may lose the No Claim Bonus (NCB) in case of a delay in updating your insurance.

Impact of lapsed car insurance on driving legally in India

If your car insurance lapses in India, you cannot drive legally. Without valid insurance, you face heavy fines, legal trouble, and no financial coverage in accidents. Renew on time to stay protected and avoid breaking the law.

Tips to avoid insurance fraud in India

To avoid insurance fraud in India, you should check policy details carefully:

• Never share OTP or documents with strangers
• Buy only from trusted agents or official websites
• Keep all records safe
• Always report anything suspicious immediately.

How to contact your insurance provider for policy status

You can contact your insurance provider to check your policy status by calling their customer care number, sending an email, or using the company’s official website or mobile app. Keep your policy number ready for quick help.

Common issues faced while checking car insurance status online and how to resolve them

You may face issues like wrong details, slow websites, login errors, or policies not showing while checking car insurance status online. To resolve them, recheck details, clear cache, try again, or contact customer support.

Conclusion

Checking your car insurance status online in India is simple and quick. By visiting official portals like the IIB or using your insurer’s website or mobile app, you can instantly know your policy details, validity, and coverage. You just need basic information like your vehicle number or policy number to get started. Doing this regularly helps you stay updated, avoid lapses, and ensure your car is always protected. Having at least third party car insurance is very important to feel secure, and to learn more about it, you can fill the form below, and talk to our experts who will help you select the plans that suit your needs.

FAQ

1. How can you check your car insurance status online in India?

You can check your car insurance by visiting the insurer’s website or the IRDAI portal and entering your vehicle number.

2. Do you need any documents to check your car insurance online?

You only need your vehicle registration number to see the insurance details online.

3. Can you check if your car insurance is valid instantly?

The online portals show your insurance status immediately after you enter your vehicle details.

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.

While financial stress will be present in case of any type of loss, the associated risks and mental stress in case of an accident are even higher, especially if a third party is involved. Besides dealing with own damage and loss, third-party liabilities can wreak havoc on your finances. To make matters worse, a delay in reporting the damage to the insurer can lead to a claim refusal. An insurer with a good claim settlement ratio will extend all sorts of support to you, provided you are honest and do the needful.

Types of car insurance claims

To ensure a smooth and hassle-free accident claim settlement process, the Ministry of Road Transport and Highways (MoRTH) has laid down a set of guidelines for all insurance companies.

• On the intimation of a road accident, the insurance company must assign an investigating police officer to the case.
• The investigating officer must inspect the accident site, click photographs of the site and the damaged vehicle, and prepare a site plan.
• The investigating police officer must send all the collected details to the claim tribunal within 48 hours of the accident.
• If there is a third-party liability—be it bodily injury/loss or a loss to the property, the third party, that is the victim of the road accident, should be informed of their rights. They should also be provided with a flowchart elaborating on the settlement scheme. These details have to be forwarded to their legal representatives as well. This intimation has to be done within 10 days of the accident.
• After that, the investigating officer must submit an interim accident report to the claim tribunal and the submission has to be done within 50 days of the accident.
• Post the submission of the interim accident report, the investigating officer must submit a criminal investigation report to the concerned criminal court within 60 days.
• The verification of all the documents and information has to be included in the Detailed Accident Report (DAR) and the same must be submitted to the claim tribunal within 90 days of the accident.
• Once the DAR is submitted to the claim tribunal, the same has to be forwarded to the insurance company as well.
• The insurance company will verify the details at its end and file a report.

Depending on the available information and policy coverage, the insurance company will either accept or reject your road accident claim.

Required documents for car accident insurance claims

To ensure an easy claim process, make sure to have the following documents ready:

• Duly filled claim form: Accurately complete the form provided by your insurer.
• Copy of the insurance policy: Ensure it's valid at the time of the accident.
• FIR or police report: Especially necessary for theft, major accidents or third-party damages.
• Driver's license: A valid copy of the driver's license of the person driving at the time of the accident.
• Vehicle registration certificate (RC): A copy confirming the vehicle's registration details.
• Pollution Under Control (PUC) certificate: A valid PUC certificate is mandatory for processing claims.
• Repair estimates and bills: Obtain detailed estimates and invoices from the garage for the repair work.
• Medical reports and bills: In case of bodily injuries, provide medical documentation and expenses.

Conclusion

While the road accident claim settlement process looks tedious, it is fairly easy and simple. If you were not drunk driving or driving without a licence or insurance at the time of the accident, the claim will be settled smoothly. Just make sure you buy car insurance online from an insurer with a good settlement ratio or bike insurance claim settlement ratio. Do note that while an accident claim settlement is a useful option, it is also important to maintain a good no claim bonus in car insurance for the years that were claim-free so that you can benefit from discounts on premium payments.

By understanding the claim settlement process, the types of claims, keeping the required documents, and knowing how and when to use your four-wheeler insurance, you can decide for your vehicle and financial health.

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.

Driving in India comes with countless challenges. Poor road conditions, open manholes, and complete disregard for traffic rules by some motorists are among the leading causes of road accidents in the country. No matter how cautiously you drive, you have no control over several unfortunate incidents, including scratches. 

Dents or scratches are minor incidents and fixing them does not require big money. But the question is—if you have a comprehensive car insurance policy, does it cover minor damages such as dents and scratches? If yes, then what are the implications of filing such claims? Let's look at it in detail.

Is it viable to file claims for dents and scratches on a car?

Though car insurance policies provide coverage for all kinds of damages, including dents and scratches, it is not always advisable to file a claim for minor issues. Making claims for small mishaps and damages can result in increased premium costs and can affect non-claim bonuses. So, it is better to pay for trivial repairs from your pocket.

Are car scratches and dents covered by my car insurer?

Car insurance coverage varies depending on the insurer and the policy terms. It is critical to read the fine print of the policy document to understand inclusions and exclusions and avoid any possible claim rejections. Mostly, popular insurers cover scratches. However, if you have only a third-party liability insurance policy for your car, without a standalone damage cover, the insurer will deny your claim.

Incidents of scratches or any significant events such as theft, irreparable damage, and loss due to fire are typically covered by comprehensive and standalone own damage insurance.

Will it have any influence on my NCB?

The NCB, or no claim bonus, is a percentage reward for not filing a claim during the policy year. It is given as a discount on the premium amount at the time of policy renewal. It starts at 20% for the first claim-free year and can go up to 50% if you complete five consecutive claim-free years.

A scratch on your four-wheeler requires the least amount of money to repair. It would not cost you more than a few hundred or thousands of rupees. Using your policy for this minor expense would result in the loss of your accumulated NCB discount.

Will it have any impact on my deductible?

When getting car insurance, you can choose to pay a voluntary deductible which will lower your premium. An insurer will also set a compulsory deductible amount. You are responsible for paying the deductible amount, and the insurer will cover the balance. 

Now suppose your car collides with a two-wheeler, resulting in a scratch. You take your car to the garage for repairs, and the estimated bill is ₹3,000. The policy's mandatory deductible is 15%. It means you must pay ₹450 out of your pocket, and the insurer will pay the remaining ₹2,550.

Will it impact my monthly premium?

Claim history is one of many variables that influence your premium amount. If you have previously filed several claims, it will give the insurer the impression that you have poor driving skills and are likely to file a significant claim soon. As a result, to offset their potential financial burden, you will be charged higher premiums.

Avoid filing minor insurance claims and try to accumulate NCB rewards to make the best of your car insurance.

FAQs

1. Can I claim insurance for minor scratches on my car?

Yes, a comprehensive car insurance policy provides coverage for minor repairs. However, it is advisable to assess repair cost and their potential impact on your policy before filing a claim.

2. What is the best approach for small scratches on cars?

For minor damages such as scratches, it is better to pay from your pocket to protect policy benefits such as NCB and avoid premium hikes.

3. Are scratches caused by vandalism covered by insurance?

Yes, if you have a comprehensive insurance policy, damages due to vandalism are usually covered.

4. Can I claim insurance for scratches caused by negligence?

No, most insurance providers do not cover for scratches caused due to negligence or intentional damage.

5. How many times can I file a claim under comprehensive car insurance?

There is no limit to the number of claims you can make with comprehensive car insurance. You can submit as many claims as needed annually for a vehicle.

6. What is the cost of fixing scratches in India?

The cost of repairing dents and scratches in India is between 800 and 2000 rupees.

Conclusion

While it is possible to claim insurance for minor car scratches and dents, it is important to calculate the pros and cons before starting the process. The repair cost is low for minor damages, and making an insurance claim might not be the best thing. When searching for car insurance online, familiarise yourself with the terms and conditions to make the right decision when filing a claim.

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.