Madhya Pradesh’s ever-changing landscape is characterised by the various state highways that cut across the state, facilitating easy travel and increased accessibility. Let us explore the crucial features of the impressive network of state highways in Madhya Pradesh.

List of Madhya Pradesh State Highways

The system of Madhya Pradesh state highways enhances connectivity across the state while fostering economic growth and accessibility. A few notable highways are as follows:

• SH-17: This route stretches between Indore and Bhopal. It links the state’s capital with its central commercial hub.
• SH-19: It connects Jabalpur to Chhindwara and passes through areas rich in forests and cultural heritage.
• SH-22: This highway links Biaora to Rajgarh. It is crucial for connecting smaller towns to regional markets.
• SH-26: It extends from Chhatarpur to Shivpuri and integrates historical towns into the broader economic framework of the state.
• SH-27: This highway connects Burhanpur to Khandwa. It also plays a vital role in linking agricultural centres to urban markets.

The infrastructure of the state highways in MP supports vehicular traffic and stimulates socio-economic development by connecting remote areas with major urban centres.

Conclusion

You can truly gauge India’s varied topography as you cruise along Madhya Pradesh’s many highways. Remember to keep your vehicle in optimum condition and purchase adequate car insurance so you can relax and enjoy the ride. These precautions will safeguard you while on the road.

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• High Security Registration Plates Madhya Pradesh Registration

The state of Karnataka has undergone significant expansion with respect to its roadways. Today, the Karnataka state highways serve the increasing number of commuters traversing the region. A clear understanding of this network will ensure a smooth journey for both residents and tourists. Remember, an appropriate car insurance policy is essential when travelling down these busy roadways.

Read on to learn about the highway network in Karnataka.

List of 16 State Highways in Karnataka

The state roads of Karnataka are an essential network that connects the different regions of the state. These roads play an important cultural and economic role. A few of these routes are as follows:

• SH-17: A great deal of traffic and commerce passes along this critical road that links the modern capital of Bangalore to its ancient analogue in Mysore. The regions along this pathway reflect Karnataka’s cultural wealth, promote local businesses, and attract more tourists.
• SH-49: SH-49 is famous for its waterside views. It enhances the connectivity of coastal communities and boosts the local economies and fisheries by facilitating tourism. It connects Sandur with Siraguppa.
• SH-76: This road winds through Chikmagalur’s fragrant coffee farms, offering stunning views and an opportunity to explore Karnataka’s coffee-growing region. This highway is crucial for transporting coffee beans and promoting eco-tourism in the area.
• SH-57: Beginning at the ancient city of Bagalakote, SH-57 takes travellers through many distinguished cultural centres of the state, such as Nanjangud and Badami. Travellers may also access the hill-station of Chikkamagaluru through this road. The highway ends at the Beligeriranganabetta Hills.
• SH-20: SH-20 highlights the incredible variety of Karnataka’s natural landscapes as it passes across many ecological zones. Spanning from the west end of Bacchi to the east end of Raichur, this high traverses many cities and villages, including Mudgal and Nesargi.
• SH-30: The agricultural economy of Karnataka relies on this crucial highway. This roadway connects Hemmadaga village with Sindhanur city in Raichuk via the areas of Ron, Kushtagi, Bekawadi, Saundatti, Belawadi, and Khanapur.
• SH-67: SH-67 usually receives a fair amount of traffic and is crucial in getting about urban areas in Hubbali and Mangaluru. It connects residential areas with commercial hubs such as Bajpe, Kattil, Kapu, Belmane, and Sirava and facilitates efficient access to city amenities and business districts.
• SH-123: This quieter road is essential for linking smaller villages and communities. SH-123 is vital for the local economy as it runs from the Andhra Pradesh border through villages like Hulsoor. This highway also meets SH-11, facilitating significant travel.
• SH-50: This highway connects Bhatkal, Siddapura and Chandragutti and cuts across the Sharavati Valley Wildlife Sanctuary.
• SH 34: This route connects Aurad with Sadashivagad and facilitates access to Goa. It also supports the transit needs of the northern regions of Karnataka.
• SH 35: Linking Sidlaghatta to the state border via Hoskote and Anekal, this highway plays a big role in connecting the eastern parts of the state with the bustling city outskirts of Bangalore.
• SH 37: Stretching from Subramanya to Udupi via Dharmastala, this highway is crucial for religious tourism as it links significant temple towns.
• SH 40: This highway runs from Mylara to Thoranagallu via Hadagali and Kudligi. It supports the mining industries and local economies in these areas.
• SH 41: It connects Siradon to Lingasugur and facilitates agricultural and commercial movements in northern Karnataka. It runs close to Hadagali and Kudlagi as well.
• SH 48: This highway provides a vital link from Kumta to Kadumadighi via multiple districts, such as Soraba and Chitradurga. It supports both coastal and inland communities.
• SH 1: This 450km long highway connects Udipi to Belgaum. Tourists frequent this roadway to reach these cultural capitals of the state of Karnataka.

Conclusion

You may use the various highways in Karnataka to reach high-density urban settlements and charming small towns in the countryside. Remember to take all safety precautions before driving down the roadways of Karnataka, including maintaining your vehicle with the help of a comprehensive car insurance policy. Safe travels!

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• High Security Registration Plate in Karnataka

How to calculate insurance premiums for a new car? When you’re the proud owner of a shiny new car, one of the essential tasks on your checklist is securing the right insurance coverage. Understanding how to calculate insurance premiums for a new car is crucial to ensure adequate coverage without breaking the bank. New car insurance can vary significantly based on various factors, so navigating this process with care is essential. Here, you can learn the steps to calculate car insurance premiums. You can also understand the process and make learned decisions to safeguard your investment and drive with peace of mind.

Tips To Manage High Blood Pressure

Follow these steps to calculate insurance premium for a new car.

Gather Vehicle Information

Collect all relevant details about your new car. It includes the make, model, year, and vehicle identification number (VIN). This information is essential for accurate premium calculations.

Determine Coverage Needs

Consider your driving habits, budget and legal requirements to assess your insurance needs. Common coverage types include liability, collision, comprehensive and uninsured motorist coverage

Research Insurance Providers

Shop around for insurance providers and obtain quotes from multiple companies. It allows you to compare premiums and coverage options to find the best fit for your new car.

Consider Deductibles

Decide on the deductible amount you’re comfortable with. A higher deductible typically results in lower premiums.

Factor in Your Driving Record

Your driving history, including accidents and violations, can influence your premium. A clean record often leads to lower insurance costs.

Explore Discounts

Inquire about discounts such as safe drivers, anti-theft devices or bundled insurance discounts. These can significantly reduce your premium..

Calculate the Premium

Use the gathered information and quotes to calculate the insurance premium for your new car. Consider annual and monthly payment options. You can also use a car insurance premium calculator to get an instant estimate and compare different plans more easily before making a decision.

Review Policy Limits

Ensure the policy limits meet your coverage needs and comply with the legal requirements.

Finalise the Policy

After careful consideration, select the insurance policy that best suits your needs and budget. Complete the necessary paperwork and payment to activate coverage for your new car.

Periodic Review

You should periodically review your insurance coverage. It ensures that the car insurance plan remains adequate for your evolving needs and enables you to make adjustments as necessary.

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



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Yes, identity proof like a PAN card, Aadhaar card, or voter card are part of the documents needed to complete the Know Your Customer (KYC) process for car insurance. Recently, the Insurance Regulatory and Development Authority of India ((IRDAI) implemented new rules for KYC in car insurance. 

This article explores PAN card is mandatory for car insurance? in more detail below.

Identity Proof Required For KYC of Individuals

Many ask, ‘Is a PAN card required for car insurance?’ Note that alongside the PAN card, other documents you need to provide to complete the KYC procedure may include:

• Identity proof
• Driving licence
• Passport photo
• Proof of residence
• Car registration number
• Car registration certificate
• Credit or debit card information
• Existing car insurance policy number
• Any other document the insurer may ask for

Conclusion

The KYC process is important in car insurance. It helps verify the customer’s identity and prevent fraud. It also ensures compliance with regulations. Based on the IRDAI regulation, insurance companies must follow KYC procedures whenever they issue any form of general insurance policy to customers.

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

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• Car Insurance Claim: Steps to Get Your Cheque After a Total Loss

The documents required for car insurance claim vary depending on the situation. The three types of claims under which you can file your vehicle’s insurance policy include third-party, car theft, and accident claims.

So, what documents are needed for a car insurance claim under the three scenarios? Let’s find out.

What Documents are Required for a Car Insurance Claim?

1. Third-party insurance claim

For third-party cases, the documents for car insurance claim include the following:

• A correctly filled and signed claim form
• A copy of the police FIR
• A copy of the registration certificate (RC)
• A copy of the driver’s licence (DL)
• Stamp for the registered vehicle’s original documents.

2. Car theft claim

In case of car theft, the insurer will need the following documents to process the claim:

• A copy of your car insurance policy
• Theft declaration form from the RTO
• A copy of the police FIR
• Forms 28, 29, 30, and 35
• Tax receipts
• Subrogation letter
• The original car registration book
• The previous policy information, such as the name of the insurer, duration, and time of the insurance policy. 
• Claim discharge voucher together with the revenue stamp signature
• Important items like warranty cards, booklets, and duplicate keys
• Official RTO intimation concerning theft and vehicle discontinuation.

3. Accident claim

Documents required for a motor insurance claim during an accident include the following:

• A duly filled and signed claim form
• Copy of your insurance policy
• Your car registration certificate copy
• Tax payment receipts
• A copy of the police FIR
• An estimation of the car repair amount
• Original repair cost and payment receipts
• Car inspection address

Conclusion

With the right car insurance policy, you can easily raise any of the claims above and receive your compensation. However, depending on the type of claim at hand, ensure that you present all the documents required for the successful processing.

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

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It is important to be aware of the legal procedures before submitting an automobile insurance claim. One frequently raised issue is, "Is FIR mandatory for car insurance claims?" This requirement depends on the type of incident.

Situations Where An FIR Is Needed Before A Car Insurance Claim

An FIR is created by the police upon learning of a serious crime, such as theft or an automobile accident. This report is crucial for initiating a car insurance claim and, in some cases, serves as the basis for a police investigation. You must file an FIR for car insurance claims at the nearest police station if you are in a car accident, especially if the accident has caused an injury, death, or major property damage.

Your insurer may require a copy of the FIR while processing your auto insurance policy for a claim on any loss arising from an accident. This also helps clear up any third-party responsibility issues. An FIR is necessary for car insurance claim as it helps throughout the claim evaluation and accident investigation.

Conclusion

It is imperative to file an FIR when making a claim for theft, collisions involving other people, or damage resulting from illegal activities. Ensuring prompt reporting facilitates a seamless claims procedure with our car insurance policy.

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

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Making insurance claims for auto damage without filing a formal complaint can be challenging, though it is permissible in some cases. While car insurance policies are often flexible, understanding the procedures and requirements is essential for successfully filing a claim.

Situations Where An FIR Is Not Needed Before A Car Insurance Claim

Not every situation necessitates filing a Form FIR to handle auto insurance claims. The following are a few scenarios where you can move forward without one:

Minor Mishaps

An FIR may not be necessary for minor collisions involving only minimal damage to the insured vehicle and no injuries or involvement of other parties. In such cases, you can directly submit your claim to the insurance company.

Damages Related to Natural Disasters

You no longer need to register FIR if your car sustains harm from an earthquake, storm, or flood. These are uncontrollable situations, and submitting an FIR for car insurance claims is not required.

Vandalism or Malicious Behaviour

Although these situations are regrettable, many insurance companies may accept claims for losses caused by vandalism or other malicious actions without requiring a formal complaint if no third party is involved. Understanding FIRs and their implications for car insurance is crucial to recognise their importance and necessity in certain situations.

Personal Injury Allegations

An FIR is typically not required for claims that are limited to damages to your car and do not involve any third parties. You may move forward by sending your insurance company the necessary claim form and accompanying documentation.

If you wish to make an insurance claim for any of these situations that do not require an FIR, you can use your insurance company’s customer care hotline, website, or app to notify them of the occurrence as soon as possible. Take pictures of the damage from different perspectives for documentation purposes.

Fill out the claim form your insurer sent you, including as much information as possible about the occurrence, your insurance, and the description of the damages. Include this form in your submission with any necessary documentation, such as your driver's license, policy paperwork, and car registration. If you utilise a network garage, the insurer will handle repairs personally. Depending on your preferred repair choice, your insurer will either pay the bills directly or refund you.

Conclusion

Although there could be additional requirements, you can submit an insurance claim without filing an FIR. Your insurer can assist you by informing you about the ideal claim procedure and support for fast resolution.

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If you follow the proper procedures, filing a windshield insurance claim can be a simple process. However, to guarantee a seamless procedure, it is imperative to comprehend your policy, quickly notify your insurer of the damage, and keep thorough records.

Filing The Claim For Damaged Windshield

The expense of fixing a cracked windshield or replacing the whole windshield may be considerable. Inform your insurer of the damage done to the car before claiming windshield replacement on insurance. In case your car’s windshield is affected by vandalism, it is recommended that you report the matter to the police and acquire an FIR before filing a windshield claim with your insurer.

After that, you may take your car to a network garage to use the cashless service. After assessing the damage, the garage's experts will offer you a repair or replacement. If your comprehensive insurance covers the circumstances that resulted in the damage, your insurer will pay for a windshield crack insurance claim.

Conclusion

To guarantee seamless coverage and prevent additional expenses, ensure you have comprehensive car insurance.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

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The Annual Report on Road Accidents in India released by the Ministry of Road Transport and Highways shows that 4,61,312 road accidents were reported in India in 2022. The numbers are staggering. This calls for us to be more proactive and cautious while driving. In this regard, the importance of seat belts cannot be overstated.

Importance of Seat Belts

Seat belts have significantly been instrumental in saving lives during fatalities like car crashes. A buckled seat belt can be a lifeline during a collision. 

According to the Motor Vehicles Act, if you drive without seatbelts, you can be fined up to 1000 rupees. Earlier, the penalty fee was Rs 100 only. The government of India does this to incentivise people to wear seat belts. 

But why are seat belts important? Let us understand that.

• Secures passengers

Seatbelts secure and hold the passengers, preventing them from being tossed inside or ejected/thrown over from the vehicle upon a collision. Seat belts are capable of countering the car’s inertia (its natural tendency to move), ensuring occupants are secured in place that minimises hitting the dashboard or windshield or being tossed out of the vehicle, which may result in fatal/deadly injuries. 

• Even out the force spread

By wearing a seatbelt, the force is spread evenly across the body and directed towards the hips and shoulders. This reduces accidental risk. In crashes, the head and spinal cord are particularly vulnerable. A blow to the head could result in a traumatic brain injury, while spinal injuries can be life-threatening. Wearing a seatbelt minimises this risk.

• Airbags complement seatbelts

A common misconception is that airbags can replace seat belts. However, they work in conjunction with seatbelts. Without a seatbelt, the body may not be properly positioned to benefit from the protective function of airbags.

• Affects insurance coverage

Not wearing a seatbelt in case of an accident could affect your insurance coverage. If the police report or insurance claim indicates you were not wearing a seatbelt at the time of the incident, your insurance company may refuse to compensate for certain damages. This is because many insurance providers view wearing a seatbelt as a reasonable measure to mitigate potential damage in a collision. 

• Reduced risk of fatalities

Wearing a seatbelt vastly reduces the risk of death. A study shows that wearing a seatbelt decreases the likelihood of fatality in a car accident by 45%, which is a large number. 

Now, let’s look at the importance of seat belts for passengers in the rear.

The seat belts have a locking mechanism triggered by the car’s or belt’s movements. This mechanism ensures the belt holds the body tight during a crash, maximising its protective capacity during an impact.

Earlier, seat belts were only significant for front passengers. However, they are equally crucial for passengers seated in the rear. Starting from 1 April 2025, the newly manufactured cars in India will also have an alarm for the rear seats. The move is significant, as it will help improve public safety. A study shows that 9 out of 10 Indians do not wear rear seatbelts, which underscores the need for this move.

Conclusion

Now we clearly know why seat belts are important. From legal requirements to saving oneself from sudden ejections during crashes, seat belts play a significant role. Another pivotal thing is a car insurance policy. It provides financial protection in unfortunate times like accidents. 

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

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Vehicles that are brought to our country from another nation to make great sales or for one’s use are known as imported cars. The automobile may be imported through an agent or straight from the manufacturer.

Define an Imported Car

The following are the features of an imported car:

• Any car brought here from another country is an imported vehicle. They require more inspection to check if they comply with the vehicle standards in our country.
• These cars are manufactured in different countries, such as the US. Therefore, the steering wheel is usually on the left-hand side.
• It will sometimes be difficult to find any replacement parts as these vehicles are imported.
• The engines of these imported cars are made differently, so there is a chance that they might not run on normal fuel that is sold in your country.

Conclusion

Imported cars are often luxury vehicles. Since they are not easily available in our country and few own them, they give the car owner a feeling of uniqueness. They also require much care, so car insurance online is necessary to cover any costly repairs or maintenance.

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

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A smart card driving License (SCDL) is a modern version of a previously existing book-type driving License. This DL resembles your debit or credit card. It is a compact, easy-to-store, durable, and convenient-to-carry version of a booklet DL, which does not get damaged over time.

Define a Smart Card Driving License

• A smart card driving License (SCDL) is a tamper-proof DL in plastic card form with an embedded microprocessor and 64 KB memory chip.
• This memory stores crucial biometric details of the License holder in one single card.
• Biometric data includes blood group, thumb and fingerprint, body markings, retina scan, photographs, signature, and more. The embedded information is stored at the regional transport office’s RTO/ RTA servers.
• Most Indian states issue SCDL, and their RTO department has special software installed on servers that can read embedded information in the SCDL.
• If your residential state has adopted issuing the SCDL, you will receive a smart card format when seeking a new driving License. It is always advisable to visit a state government website or the nearest RTO to get precise information about the SCDL, as it can vary between states.
• The main advantage of the smart card for driving Licenses is that the transport department can securely maintain the data of License holders. It also helps them track and trace any defaulters using their biometric data.

Conclusion

SCDL is a future-proof move by the Indian government to prevent fake driving Licenses. This smart card for driving License positively impacts road safety as the License cannot be tempered, and all the information recorded is safe. Likewise, having a car insurance plan enhances the on-road safety of the driver, providing him/her with financial coverage that can be used to get medically treated in case of an accidental mishap.

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

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Electric cars have emerged as an affordable and environment-friendly choice in recent years. If you intend to buy an EV, you should be aware of the requirements, documentation, a mandatory third-party car insurance policy, document filing, and potential background checks before proceeding with the registration process.

Documents Required to Register an Electric Vehicle

You must have certain government-issued documents to register a new electric vehicle. To speed up the electronic vehicle registration process and meet regulatory standards, it is critical to have these papers readily available:

• You need to provide proof of identity, which can include your voter’s ID card or Aadhaar card. These documents are there to confirm your identification.
• In addition, you need to present your electricity bill or any other document to complete the KYC; this will serve as your address proof.
• The registration process will begin as soon as the application documents are received.
• Once the application is received, you might receive calls from the authorities to check for discrepancies, if any.
• Once you have the required paperwork, you will receive a confirmation for the same.

In this rapidly growing world, there is also an option to enroll for e-car registration. It will help you complete all the formalities with a few clicks. It won’t only help you save time but also make the entire process traceable.

Also, you must check the rules for payment of road tax in your state, as they vary between states.

Conclusion

The switch to electric cars is easier to make and encourages more people to choose environment-friendly transportation for a cleaner future. It is already a cost-effective option, but to save costs further, ensure getting a comprehensive car insurance policy.

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

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Seat belts are important for the safety of the driver and passengers. Also termed safety belts, they come in various categories.

Here, we will understand the various types of seat belts.

Types of Seat Belts in Cars

Seat belts are considered the first line of defence in a crash. Let us look at the most common safety belt types:

• Lap Belt

The lap belt is one of the earliest forms of seat belt. It is characterised by a strap that extends across the waist, attaching at two points alongside the passenger's lap. This type of design is found in aeroplanes and older car models. It helps in preventing the occupant from being thrown forward during a collision.

• Sash/Shoulder Belt

Sash, or shoulder belts, lie diagonally across a person's chest and shoulder. These belts are usually fastened towards the vehicle's centre. They offer added upper body restraint. In the past, shoulder belts were often paired with lap belts to enhance protection.

• 3-Point/Y-Shaped

This seat belt combines the lap and shoulder belt into a singular unit. This results in a Y-shaped design. This helps in distributing the force of a crash across the body's more resilient areas — the chest, pelvis, and shoulders. This seatbelt is a universal standard in modern vehicles.

• Belt-in-Seat (BIS)

Belt-in-Seat (BIS) systems integrate the seat belt directly into the seat itself. This automatic mechanism adjusts the belt as the driver or passenger enters and exits the car. It is often coupled with a manual lap belt for added security. Its use is not as widespread.

• Five-Point Seatbelt

The five-point seatbelt includes two shoulder straps, two lap belts, and an additional belt between the legs. All these converge at a central buckle. It is primarily utilised in racing cars and child safety seats. This configuration ensures a snug fit and maximum restraint, which are crucial in high-speed impacts and in ensuring the safety of younger passengers.

• Automatic/Motorised Seatbelts

These seatbelts automatically wrap around the occupant when the car is started, or the door is closed. These involve a motorised shoulder strap that complements a manually secured lap belt.

• 6-Point Harness

It is an evolution of the five-point design. The six-point harness adds an extra strap between the legs for enhanced safety. This type is predominantly found in professional auto racing.

• Inflatable Seat Belt

This type of seat belt comprises two layers of material and an airbag system that makes them thicker than standard seat belts. The seat belt deploys within a few milliseconds and distributes the force across a wider surface to minimise one’s risk of injury.

Conclusion

Now that you know about the types of seat belts, it’s time to think about investing in car insurance. Make sure you invest in a comprehensive four-wheeler insurance plan to safeguard yourself and your finances against unforeseen circumstances.

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

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Airbags in cars are built with sensors that can detect the severity of the impact of the collision. The severity of the crash triggers the airbags to inflate in an instant.

Types of Airbags in Cars

The safety airbags in cars are located throughout the vehicle. Here is a list of airbag types in cars:

• Frontal Airbags

These types of airbags protect the passengers seated in the front seats and are located on the steering wheel and front dashboard.

• Side Airbags

These airbags are located on the side of the seat or the doorframe.

• Knee Airbags

Knee airbags are located in the instrument panel’s lower area and protect the passengers in the front seats. Also referred to as knee bolsters, these airbags protect the front seat passenger and driver from leg injuries.

• Far-side Airbags

Far-side airbags, also known as front-centre airbags, prevent passengers seated in front from rollover impacts and front collisions.  

• Door-mounted airbags

Door-mounted airbags are located in the vehicle's doors and protect during side collisions.  

• Roof Rail Airbags

Roof Rail Airbags are located at the back of the trim that covers the roof rails.

Apart from the above-mentioned airbags, the types of airbags that are common nowadays include external hood airbags, rear seat airbags, seat cushion airbags, panoramic sunroof airbags, etc.

Conclusion

Safety airbags in cars are great when it comes to the protection of the passengers. Likewise, to drive on the roads with complete peace of mind, remember to invest in a comprehensive car insurance policy.

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

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• Third-Party Car Insurance with Fire & Theft Coverage

Importing a car in India attracts several taxes and duties. In this article, we will specifically discuss the import duty on cars.

Taxes to Import a Car

Customs duty or import tax on vehicles in India comes under the Customs Act of 1962. Imported vehicles may cost nearly twice the retail price after adding the amount paid as customs duty. Let’s look into it in detail.

• The customs duty is levied as per the policies mandated by the CBEC (i.e., the Central Board of Excise and Customs).
• Currently, one needs to pay 100% customs duty on cars imported from other countries to India with CIF (i.e., Cost, Insurance and Freight) value above US $40,000.
• For cars with CIF less than US $40,000, a 60% customs duty gets levied.
• The import tax levied is 125% in the case of used cars.

Conclusion

In India, no car can go on-road without having proper insurance. Besides, it is in the user’s interest that the imported car is properly insured. As one can purchase car insurance online, getting your vehicle insured is easy and hassle-free. Although third-party liability insurance is mandatory, consider investing in a comprehensive plan for complete peace of mind.

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

Also Read:

• Can I Buy A Car Without Insurance?
• How Much Is Car Depreciation Per Year?
• What Happens To My Car Insurance When I Sell My Car?
• Factors Influencing India's Average Cost of Car Insurance
• Is Car Insurance Free When Buying From A Dealer?

EVs in India accounted for 5% of total vehicle sales in September 2023, and data shows that they can hit the 40% mark by 2030. Their growing pace makes it important for us to know if one requires an e-vehicle number plate.

Is Number Plate Mandatory for Electric Cars?

Every vehicle in India is required to have a number plate, and e-vehicles are no exception. For security purposes, the Ministry of Road Transport and Highways in India has implemented updates to the regulations governing electric vehicle (EV) registration plates.

Here are some crucial points:

• Originally, EV plates were distinguished by a green bar at the bottom left-hand side, setting them apart from traditional petrol and diesel vehicles.
• The privately owned e-car number plate is green with numbers inscribed in white.
• The number plates for commercial EVs are green, but the numbers inscribed are in yellow.

Conclusion

Complying with these rules can help avoid legal complications. You must invest in a car insurance policy to safeguard your finances against unforeseen mishaps involving your vehicle. Purchase a comprehensive insurance plan to enjoy your rides with peace of mind.

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

Also Read:

• What is Green Number Plate in India?
• Can a Hybrid Vehicle Have a Green Number Plate?
• HSRP Number Plates Rules for Vehicles
• Number Plate Rules in India
• Difference Between HSRP and Normal Number Plate

Updated on - 21 May 2026

Electric cars are becoming increasingly popular in our country due to their affordability and environmental benefits. However, it is important to understand the related laws before purchasing an EV. You must also understand the scope of coverage of your car insurance policy to make a claim when the need arises.

Is License Required to Drive an Electric Car in India?

There are several common misconceptions and concerns about the laws about to EVs and DLs. This brings us to one such question, "Do we need a license for electric cars? The fact is that in India, you cannot operate an electric four-wheeler without a valid driving license. Here are some basic guidelines for using an electric vehicle:

• A driving license is mandatory to drive electric four-wheelers.
• These scooters are simply considered upgraded forms of bicycles and cannot cause a mishap on the road. However, for all other electric vehicles, you will require a valid driving license before you hit the road.
• If you meet with an accident while driving your EV without a valid DL, your insurer will deny your claim when you raise one to claim on your car insurance

Conclusion

As electric vehicles continue to gain popularity in India, it is important to understand the legal requirements associated with their use. Driving an electric four-wheeler without a valid driving license is not permitted, and adhering to these rules ensures both safety and compliance with the law.

Along with following regulations, having the right coverage is equally essential. Choosing a suitable car insurance policy, including specialised electric car insurance, can help protect you financially against accidents, damages, and unforeseen situations.

By staying informed and properly insured, you can enjoy the benefits of your electric vehicle with confidence and peace of mind.

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

Also Read:

• What is an Electric Vehicle?
• Hydrogen Cars vs Electric Cars
• Electric Steering vs Power Steering
• Electric Steering vs Hydraulic Steering
• EV Charging Station Companies in India

Do you wish to buy a car which is not manufactured in India? Don’t worry; you can import the model of your choice. However, there are certain rules and regulations that you need to follow before importing a car. In this article, we will provide a detailed guideline on “How do you import a car?”

The Process to Import a Car

When you wish to buy a car from overseas, you should first research how to import a car and understand the rules and regulations in India regarding import. The following is a general overview of the process to import a car.

1. Research about the regulations

   • There are definite rules and regulations in India regarding the import of cars. For example, you cannot import a left-hand drive car. Similarly, there are regulations regarding emission standards, safety, and tax payments. Have a detailed understanding of the same before beginning the process of import.

2. Find a trusted importer or customs broker

   • If you are not familiar with the regulations, you should hire a customs broker who can guide you through the process and do the paperwork for you.

3. Purchase the car

4. Documentation

   • Collect all the documents required for the import of the vehicle.
   • You will also need the documents regarding safety and emissions standards.

5. Shipping

   • Arrange to ship your car to India.
   • You may use a shipping company or a freight forwarder for the same.

6. Customs Clearance

   • Once your car arrives in India, it will have to go through customs clearance.

7. Pay the duties and taxes

   • Importing a car in India attracts import duties and taxes.
   • This will vary depending on the value and the type of vehicle.

8. Registration and Inspection

   • After customs clearance and payment of the import duties, your car needs to be registered with the appropriate authority in India.
   • You will also need to get it inspected to ensure it meets the necessary safety standards.

9. Get your car Insured

   • Once all the process has been completed, it is advisable to get your car insured.
   • You may purchase car insurance online or offline.
   • It is compulsory to buy car insurance in India before you get your vehicle on the road.

Conclusion

Once the aforesaid processes are completed, you are free to enjoy your ride on your imported car on the roads of India.

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

Also Read:

• Things You Need to Know While Importing a Car in India
• how to choose comprehensive car insurance
• Can I Claim Insurance With Temporary Registration Number?
• HSRP Number Plate Maharashtra Registration Process
• How to Check Car Insurance

Cars play a role in your vehicle's safety, performance, and fuel efficiency. While it's natural to prioritise engine maintenance and other components, it's equally important to give attention to your car's s. Understanding the lifespan of s and being aware of when they should be replaced can contribute to a more efficient driving experience. Let's explore the factors that influence longevity and determine the time for replacement.

What is the Right Time to Replace Tyres?

The lifespan of a car tyre can vary based on the following factors;

1. Tread Depth

The depth of treads is among the factors when deciding whether or not replacement is necessary. The treads provide grip and traction on the road surface. While the legal minimum tread depth in regions is 1.6 millimetres, it is advisable to consider replacing s when their tread depth reaches 3 millimetres or earlier, depending on driving conditions. Worn-out treads can compromise grip on slippery roads, thus increasing the risk of accidents.

2. Visual Inspection

Inspecting your s for any signs of damage, such as cuts, punctures or bulges, is important. If you encounter any of these problems, replacing the affected is crucial. Ignoring damage can create driving conditions.

3. Age of the Tyres

Regardless of their appearance, the average life of car tyre is six years. This is because the rubber compound in s deteriorates over time due to exposure to sunlight temperature fluctuations and road conditions. Even if your tyres seem in good shape, replacing them after six years is recommended for safety and performance. You can find the manufacturing date of a tyre on the sidewall as a four-digit number (“0818" indicates that the tyre was manufactured in the week of 2018).

4. Driving Habits and Conditions

Your driving habits and driving conditions can affect how long your tyre lasts. Aggressive driving, excessive speeding and harsh braking can accelerate wear. Similarly, driving on maintained roads or in weather conditions can decrease the lifespan of your tyres. Adjusting your driving style and scheduling maintenance and rotations is important to ensure even wear.

5. Proper Maintenance

Regular maintenance, like wheel alignments and balancing, can prolong the life of your tyres. Ensuring the tyres are properly aligned and balanced can help distribute wear, ultimately extending their lifespan.

Conclusion 

While factors such as tread depth, visual inspections, and driving habits are important in determining when to replace your tyres, it's crucial to keep in mind the average life of a car tyre. As time passes, the rubber compound deteriorates, resulting in reduced grip and stability on the road, which could impact safety and potentially increase car insurance premiums. By being vigilant and proactive in monitoring your tyre condition, you can ensure your vehicle remains safe, efficient, and roadworthy, helping to maintain favorable car insurance rates.

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

When choosing a car, whether for daily commutes or long-distance travel, one of the fundamental decisions you'll face is whether to opt for a petrol or diesel engine. Both options have benefits and disadvantages, and your choice can significantly impact your driving experience, expenses, and environmental footprint. Understanding the difference between petrol and diesel cars is crucial in making a well-informed decision that aligns with your needs and preferences. And you bet that’s what we will be talking about today in this article.

How are petrol cars different from diesel cars?

To differentiate between petrol and diesel cars, consider the following key points:

• Fuel Type

Petrol cars use petrol as their primary fuel source, while diesel cars use diesel fuel. The type of fuel significantly affects the engine's combustion process and efficiency. Petrol engines rely on spark ignition, while diesel engines use compression ignition. Petrol engines also consume more fuel and are thus used in light motor vehicles, in comparison to diesel engines, which have a lesser fuel consumption and are used in heavy vehicles. As diesel engines use less fuel, they ensure higher efficiency.

• Car Price

Diesel cars are generally costlier than their petrol counterparts due to their robust construction and specialised components. Diesel engines require sturdier components to withstand higher compression ratios and stresses.

• Mileage

Diesel cars tend to provide higher mileage due to their higher compression ratios, which allow for more efficient fuel utilisation. This results in better fuel economy, making diesel cars ideal for long-distance driving and heavy loads.

• Power and Torque

Diesel engines typically produce higher torque, providing them with a higher pulling power that takes time for the initial pickup. This additional torque allows diesel cars to pull heavier loads and perform better while carrying substantial cargo. In contrast, petrol engines offer smoother acceleration and better initial pickup, making them suitable for daily commuting and short-distance travel.

• Fuel Price

Diesel fuel is often cheaper than petrol, leading to potential cost savings for diesel car owners. The lower cost of diesel fuel can offset the higher initial purchase price of diesel cars in the long run, especially for those who drive extensively.

• Resale Value

Diesel cars often have a higher resale value due to their durability and longer lifespan. Buyers are willing to pay a premium for diesel cars, as they are perceived to be more reliable and capable of withstanding the test of time.

• Refinement

Diesel engines produce more noise and vibrations, resulting in a less refined driving experience. The combustion process in diesel engines generates higher levels of noise, which can affect cabin comfort. In contrast, petrol engines are quieter and smoother, providing a more comfortable and refined ride.

• Eco-friendliness

Diesel cars emit more pollutant particles, including nitrogen oxides and particulate matter; this can harm the environment and human health. On the other hand, petrol engines produce fewer emissions and are considered more environmentally friendly. This difference in emissions has led to stricter emission standards for diesel engines.

• Car Life

Diesel cars have a longer lifespan and depreciate more slowly than petrol cars. The robust construction of diesel engines and their ability to handle higher stresses often results in a more extended vehicle life. However, it's essential to consider regional regulations, as some areas impose restrictions on older diesel cars due to emissions concerns.

• Motor Insurance

Insurance costs and premium rates are generally higher for diesel cars due to their higher purchase cost and potential repair expenses. Diesel engines require specialised parts and maintenance, which can increase insurance premiums. In contrast, petrol cars usually have more affordable insurance options due to lower maintenance and repair costs.

Conclusion

Now, you know the difference between petrol and diesel cars. Regardless of the type of car you choose, you must prioritise motor insurance. Four-wheeler insurance is mandatory and offers comprehensive protection, safeguarding you from legal penalties and financial losses in the event of accidents. Whether