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

Updated on - 18 May 2026

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. This blog explains what EP in car insurance is, its benefits, and who needs it.

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 due to your repeated 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

Including an engine protector add-on in your car insurance policy offers several advantages, like:

• Comprehensive Protection: This add-on goes beyond standard motor insurance by covering engine-related damage that is usually excluded, such as water ingression or oil leakage.
• Financial Protection: Engine repairs or replacements can be expensive; this cover reduces out-of-pocket costs and helps maintain financial stability.
• Improved Vehicle Longevity: Prompt repairs supported by this add-on can help maintain engine health and extend the vehicle’s usable life.
• Greater Peace of Mind: With engine risks covered, you can drive with more confidence, particularly during monsoons or in flood-prone areas.

Should You Buy the Engine Protector Add-On?

The EP 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. So, who needs EP cover in a car? Whether you should buy this add-on depends on various factors, like:

• 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 any necessary add-ons.

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

Conclusion

The engine protection cover in car insurance 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 help you make an informed decision about purchasing this add-on for your insurance.

FAQs

1. Does EP affect my No Claim Bonus (NCB)?

Yes, if you raise a claim under the Engine Protection (EP) add-on, it is treated like any other own-damage claim and can impact your No Claim Bonus (NCB) at the time of renewal, unless protected by an NCB protection add-on.

2. Is EP applicable for address or contact detail changes?

No, only engine-related damages are covered by the EP add-on. Address, contact information, and nominee updates are examples of administrative changes that are not covered by it.

3. Is engine protection cover included in standard comprehensive car insurance?

No, engine protection is only available as an optional add-on that requires payment of an additional premium for coverage against specific engine-related risks.

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

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.  

Updated on - 09 Feb 2026

A traffic challan can be issued for violating any traffic rules like jumping a signal, speeding or driving without valid motor insurance. Earlier, the process of issuing a challan and clearing the fine used to be an arduous task. However, now, to simplify this process and ensure that traffic rules are followed even in the absence of traffic police, the authorities have employed the e-challan system.

What is an e-challan?

An e-challan is an electronically generated traffic ticket issued to traffic violators. It replaces the traditional paper challan system. It is generated with the help of cameras, speed sensors or handheld electronic devices used by traffic police. The primary objective of the e-challan is to make the process transparent, minimise manual errors and encourage the cashless payment of fines.

Drivers can easily check and pay their e-challans online through government portals like Parivahan or the respective State Transport Department websites.

List of fines for violations of traffic rules in Maharashtra

It is simple: you break the rules; you pay the fine. Here is a list of fines in Maharashtra for violating the traffic rules:

How to check the traffic e-challan status?

Here is how you can check your e-challan status online:

• Log on to the Parivahan portal
• Go to the ‘Check Challan Status’ section.
• Provide your vehicle number or driving licence number
• In the case your vehicle is not involved in any traffic violations, the website will show you a dialog box showing the words ‘Challan Not Found’
• On the other hand, if you have committed traffic violations, you will see a row showing the list of all of them and the fine that has to be paid

Documents Required to Check E-Challan Status

To check the e-challan status, you just need your vehicle RC number, driving licence number or the e-challan number, if known.

How to pay a traffic challan online?

Paying a traffic challan online is a simple and convenient process that saves time and eliminates the need to visit traffic offices in person. You can easily clear your dues through the government’s official portal or your state transport department’s website.

Steps to pay the traffic challan through the Parivahan portal:

1. Visit the official website
2. Select the “Check Challan Status” option on the homepage
3. Provide your challan, vehicle or driving licence number
4. The system will display any pending challans associated with your details
5. Choose the challan you want to pay and proceed with the online payment
6. Use any of the payment methods available, like credit/debit card, net banking or UPI
7. Download or print the payment receipt for your records

How to download an e-challan receipt after payment?

You can download the receipt right after successful payment by clicking the download/print option that appears. However, if you want to download it later, follow the steps below:

• Go to the Parivahan e-Challan portal
• Enter your vehicle registration number, driving licence number or challan number
• Enter the OTP received on your registered mobile number
• Once your challan details are displayed, locate the option of "Receipt" or "Challan Print".
• Follow the "Receipt" link and click to print the receipt

Common mistakes to avoid while paying e-challan online

While paying e-challans online, you must pay attention to avoid the following mistakes:

• Failure to confirm challan details: Never proceed to make payment without checking your vehicle or challan number.
• Using unauthorised websites or apps: Use only trusted platforms such as Parivahan or Vehicleinfo to avoid fraudulent activities.
• Avoiding missing the due date: Do not miss paying your challan before the due date to prevent penalties.
• Failing to save payment receipt: Always save your payment receipt for future use.

How long does it take to update the e-challan status after payment?

The state and particular circumstances can affect how long it takes for an e-challan status to update following payment. It usually takes 24 to 72 hours. If the status is still unclear, the amount that was deducted will be reimbursed within seven business days.

Mobile apps to check and pay e-challan

Paying a traffic challan online in India is quick and convenient. Apart from the official websites, you can also check the challan status and make payments through some genuine apps.

• mParivahan: This government app provides users with a variety of services, including access to information on pending challans, paying the fines, downloading the Registration Certificate (RC) and Driving Licence (DL), etc.
• IL TakeCare: it is an app powered by ICICI Lombard General Insurance that offers a range of services, including viewing and paying challans, tracking insurance and managing vehicle documents, all on one platform.

Why should you check your e-challan status?

Keeping a tab on your e-challan status is important as it will help you to keep track of any pending traffic violations so that you don’t end up paying a greater sum and getting into legal hassles. Consistent checks also encourage timely payments, which maintain your (otherwise clean) driving record. This is important, especially for people who have comprehensive car insurance, as unpaid challans or violations can affect insurance claims and renewals.

Conclusion

Keeping track of your e-challan status is a must to make timely payment of fines and avoid any legal hassles in future. It is also important because unpaid fines can hamper your four-wheeler insurance claim payouts, policy renewal and overall policy legality. With smart vigilance, you can safeguard both your finances and your coverage.

If you are looking for an ideal car insurance policy, fill out the form on this page. Our experts will help you choose the right one according to your budget and needs.

FAQs

1. How can I pay my e-challan online?

You can pay through the Parivahan e-challan portal using debit/credit cards, net banking, or UPI.

2. What documents are required to check the e-challan status?

Vehicle Registration Number (RC), Driving License Number (DL), and E-challan Number (if available).

3. How long does it take for my payment to reflect in the e-challan system?

Typically, it takes 24–72 hours, depending on the state and system updates.

4. Can unpaid e-challans affect my car insurance?

Yes, unpaid fines can affect claims and renewals for four-wheeler insurance.

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

The Aadhaar card has become an important identity document for Indian citizens. It is widely used for accessing many services, including opening bank accounts, obtaining mobile numbers and availing government schemes. One of the latest initiatives is the linking of the Aadhaar card with the driving licence. This step is part of the government’s broader effort to enhance security and transparency in the system.

In this blog, learn to link the Aadhaar card with your driving licence, both online and offline.

How to link Aadhaar card to driving licence online?

The online method is an easy way to link the Aadhaar card with your driving licence. Here's a step-by-step guide:

• Step 1: Browse through the website of your State RTO or visit the Ministry of Road Transport and Highways website (https://parivahan.gov.in) to find the correct link.
• Step 2: Choose the “Link Aadhaar” option
• Step 3: Enter your driving licence details
• Step 4: Provide your Aadhaar number and registered mobile number
• Step 5: Enter the OTP
• Step 6: Submit the details

Once verified, your Aadhaar card will be linked to your driving licence. You will get a confirmation notification on your mobile phone.

How to link Aadhaar card to driving licence offline?

While the online method is popular, some people may prefer or need to use the offline method. Here’s how to do it:

• Step 1: Visit your nearest RTO office

Go to your local Regional Transport Office with your original documents and photocopies.

• Step 2: Fill out the application form

Ask for the Aadhaar linking form at the RTO. Fill in your name, driving licence number, Aadhaar number and contact details.

• Step 3: Submit the documents

Submit the completed form along with a photocopy of your Aadhaar card and driving licence. You may also be asked to show the originals for verification.

• Step 4: Verification by RTO officials

Once submitted, the RTO staff will verify your documents and process the request.

• Step 5: Confirmation

You may receive a confirmation message on your mobile number once the Aadhaar card is linked successfully.

Benefits of linking the Aadhaar card with your driving licence

Some benefits of linking your Aadhaar card with your driving licence are:

• It will help in reducing corrupt practices, improve transparency and make the licence-issuing process easy, smooth and hassle-free.
• Government agencies can access the database containing licence details of all vehicle owners in India via the Aadhaar-based unified platform.
• Authorised agencies can identify fake driving licences from genuine ones through this drive.
• Transport authorities can sift out forged documents and take disciplinary action against individuals with multiple licences.
• The consolidated online database bearing details of automobile owners in India will dissuade people from renewing duplicate licences.
• Individuals can receive their driving licence within 72 hours after passing the driving test thanks to electronic processing.
• Linking the Aadhaar card with the driving licence will go a long way in reducing the number of road accidents since individuals cannot obtain a licence without clearing the driving test.

Reasons for the government linking driving licences with Aadhaar cards

The Government of India has many reasons for encouraging the linking of Aadhaar cards with driving licences. Let’s look at the key ones:

• Stop duplicate licences

Some individuals create multiple driving licences to evade fines or driving bans. Linking Aadhaar ensures that each person can hold only one valid licence.

• Improve road safety

With more accurate data, the government can track traffic offenders better and take the right actions.

• Transparent and efficient services

Government services become quicker and more reliable when backed by Aadhaar data. This includes licence applications, renewals and verifications.

• Reduce identity fraud

Linking Aadhaar ensures that the person holding a driving licence is real and not using a fake identity. It reduces the misuse of documents and fraudulent activity.

• Better insurance process

Car insurance policy companies also benefit from Aadhaar linking. It supports quicker policy verification, claim settlement and helps in accurate identification of policyholders.

The government’s goal is to build a more accountable and reliable transport system with the help of digital identity tools like Aadhaar.

Conclusion

Linking the Aadhaar card with your driving licence is a simple yet significant step. Whether done online or offline, the process is quick and straightforward, taking just a few minutes to complete. This linkage is especially helpful when purchasing or renewing insurance policies like third-party car insurance, as insurers can swiftly verify your details and process claims more efficiently. The result is greater safety, trust and convenience for everyone on the road.

As India continues to grow digitally, steps like these bring us closer to a future where identity, safety and service go hand in hand. If you haven’t linked your Aadhaar to your driving licence yet, now is a good time to get started.

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.

Similar to the mandatory third-party motor insurance, the Ministry of Road Transport and Highways (MoRTH) has made 6 airbags mandatory in all cars starting October 2023. In the wake of the rising number of road accidents in India, Minister of Road Transport and Highways Nitin Gadkari said that all M1 category passenger vehicles must have 6 airbags to ensure the safety of the passengers.

Initially, the road transport ministry was set to make 6 airbags mandatory in all 8-seater passenger vehicles starting 1^st October 2022. However, it could not be implemented due to supply chain disruptions in the global automobile manufacturing sector.

In July 2019, the Government made it mandatory for all cars to have a driver airbag. Later, in January 2022, dual front bags were made compulsory to protect the driver and front seat passenger in the event of an accident.

The accidental death of Cyrus Mistry, the former Tata Sons Chairman, at Palghar in Maharashtra in September 2022 stirred raging debates over road safety measures in India.

What is the M1 Category of Vehicles?

The M1 category of vehicles refers to passenger vehicles equipped with up to 8 seats, including the driver’s seat. The M1 category of vehicles includes MUVs, SUVs, hatchbacks, and sedans.

The new rule prioritises the safety of all passengers travelling in cars notwithstanding the cost or the variant of the vehicle. Previously, Nitin Gadkari had urged car manufacturers to adopt safety norms for ensuring the safety of passengers, especially those using economy cars.

He had said that most automobile manufacturers in India export cars equipped with 6 airbags but are hesitant to sell them in India due to their high cost. He highlighted that not much thought is given to the safety of people driving economy cars in India.

If you are a car owner, think of your financial protection. Purchasing comprehensive car insurance is a step in that direction. It is a good strategy to compare various car insurance online and choose the plan that best suits your needs.

A Note About the Safety Mechanisms in Cars

Both airbags and seatbelts are part of the safety mechanism in cars. Seatbelts secure the seat occupants and prevent them from being thrown out by force. On the other side, airbags fitted into cars interfere between the driver and the hard surface on the front during the collision, reducing the possibility of serious injuries. An airbag is an inflated safety device designed to protect passengers during road accidents. However, an airbag alone is not enough. You must be wearing your seatbelt for the airbag to save you.

An airbag comprises a diagnostic monitoring unit, a steering wheel connector coil, an airbag module, an indicator lamp, and crash sensors. All these airbag constituents are integrated and powered by the car battery.

When abrupt decelerations are detected, the crash sensors start transmitting electrical signals, activating the initiator. As a result, there is a rapid chemical reaction, which leads to nitrogen emissions and bloating of the airbag immediately.

Because of this, a plastic module inflates to protect the passenger from hitting anything hard in the front due to the impact. After inflating for one-tenth of a second, the bag deflates in three-tenths of a second after the impact. Airbags contain a mixture of cornstarch and talcum powder and this mix gets released when the bag opens.

A car policy offers financial security in case of a mishap or loss related to your car. As a policyholder, you hold the right to file a claim for any damage to your car. However, before making a claim, consider questions such as, “Should I claim insurance for minor damage? Can a no-claim bonus protection plan help in covering the losses better?” Assess the extent of loss, the impact on NCB (No Claim Bonus), deductibles to be borne by you, and future premium costs before making a claim. Here’s everything you need to know.   

What is NCB in car insurance?

No Claim Bonus or NCB is the discount offered by an insurer on your own damage (OD) or comprehensive car insurance for being a safe driver. Yes, it is the reward for driving safely and not raising any claim during the previous policy term. It begins only after you complete one claim-free year and is given a 20% discount on the premium amount for the next policy. With each passing claim-free year, you can go on accumulating NCBs until it reaches the peak of 50% of your premium amount. However, you must have consecutive claim-free years to be able to do that. Once you file a claim, you lose NCB, and then you must start accumulating it from the scratch. You will get an idea from the following table:

The NCB increases every claim-free year up to 5 years. The percentage of NCB offered depends on the insurance provider and may vary from one insurance company to another. 

Advantages of No Claim Bonus on car insurance premium:

• Discount on renewal premium

Filing a claim should not be the first thing on your mind whenever you see a scratch or a minor dent in the car. They are certainly covered but using the car insurance policy just for making the car look shiny and flawless will increase the future premium amount when you renew the policy. File a claim only when there is a major expense due to an accident or damage beyond repair, car theft, or replacement of major parts. Avoid claiming for expenses that you can afford and save the NCBs for discounts on your renewal premium.

• Lower premium on second car

If you want to replace the car and buy another one, you have the option of transferring the policy and carrying forward the NCBs for your new car. This way you can make a good amount of savings in the new policy premium even if you are switching insurers. The process of NCB transfer is simple and quick. Ask your previous insurer to transfer the NCB and issue an NCB certificate. When you approach the new insurer, present this certificate and NCBs will be transferred to the new policy.

• Good claim history

Filing insurance claims frequently will adversely impact your claim history and increase your renewal premium. The rate of increase in renewal premium could be due to repetitive claims, nature of the claims and terms of each insurer. So, try to maintain a good claim history by retaining NCBs.

Accidents are common on Indian roads. And what are just as common are people using their vehicles on roads without valid insurance. Although it is mandatory to have third-party insurance in India, it is far from being followed by all vehicle owners. So, what happens if your car is hit by an uninsured motorist? While your insurance will cover the damage caused to the third party and their vehicle, who will cover the damages to your car and your medical expenses in case of an injury? Today, we will focus on what to do if you meet with a car accident and the other driver has no insurance.

• Note details: 

When the at-fault driver tries to flee the scene of the collision, instead of chasing him, make note to jot down the vehicle's details such as the registration number, brand and model number. If the at-fault driver remains at the accident scene, try to gather as much information as possible. Based on the details you get about the other vehicle and uninsured motorist, you can file a police complaint and get the other driver to pay for your car’s repair.

• Find witness:

It may so happen that an uninsured motorist hits your car and flees the scene of the accident. In such situations, the only way to learn more about the offender and his vehicle is through a witness. Look for witnesses and check with them if they noticed the other vehicle’s registration number or make. You may also check  if they are willing to testify and record their statement against the at-fault driver. If they do, make a note of their contact information.

• Security cameras:

The accident could have happened when your car was on the road or while it was parked in a parking lot. Either way, it is always a good idea to check the security cameras in the vicinity of the site of accident. Surveillance cameras are common in city squares, supermarkets, and mall parking lots and they can assist you in tracking down the details of the uninsured vehicle that hit your car. If you can't find a security camera, ask around to see if any local shops or residences have captured the incident. If you come across any recordings, save them to your phone or laptop for later use.

• Take photographs:

Regardless of whether you find any information or details of uninsured motorists or not, it is advised that you take photographs of your damaged car at the site of the accident itself. The photographs will serve as proof of collision and damage to your vehicle and will assist you in obtaining compensation from uninsured motorists.

• Inform the police:

Once you have gathered enough information on your own, it's time to file an official complaint against the driver at fault. After lodging the FIR, the police will initiate an investigation and may be able to track down the driver who caused the damage to your vehicle. Filing the FIR immediately after an accident is important because the insurer will require a copy of the FIR for filing third-party vehicle insurance claims. Therefore, if the at-fault driver is underinsured or uninsured, you must submit a copy of the FIR to their insurer. FIR copies also help in obtaining compensation from uninsured motorists.

Road trips have a charm of their own. The fun of a road trip is rarely about the destination, but the journey itself. But what happens if your car breaks down in the middle of the trip? And if that happens on a lonely stretch or at an ungodly hour, your dream trip can quickly turn into a terrifying nightmare. To save yourself from hefty expenses, you may have bought a good online car insurance policy, but that would not help you with the stress and time invested in bringing the situation under control and resuming your travel. However, timely car checks and preparing your car for a long road trip can save you from unnecessary trouble during the journey. Here are some things you must check before embarking on a long road trip.

Top 10 car inspections to perform before hitting the road:

Check your battery

Nothing can be more frustrating than being stranded on the road because your car’s battery gave up midway. Therefore, checking your car’s battery before a road trip must top your list of priorities. Whether it's too cold or hot, running a car in extreme conditions can take a toll on your car's battery. Also, if your car battery is more than three years old, you should get it tested at one of your nearest certified garages. You may go for a battery replacement if you are not satisfied with its condition.

Car insurance policy

Before revving up your car’s accelerator and kickstarting your trip, remember to check your car insurance policy. You must know its terms and conditions to be better prepared in the face of a mishap. If you are planning a long road trip, you may even want to expand its coverage by buying relevant add-ons such as roadside assistance cover, engine protection cover, and more. Also, see if your car insurance policy is up to date. If it has expired, online car insurance renewal can help you in securing your drive in no time.

Replace air filters

If you have not replaced your car's air filters in a long time, you may be setting yourself up for a bad trip. Driving with clogged air filters inhibits fresh air from reaching your engine, causing gradual damage to the engine and other internal components. To make your journey pleasant and free of any unnecessary halts, consider using washable and reusable air filters for greater filtration.

Emergency kit:

Irrespective of the length of your planned road trip, it is never a good idea to drive your car around without an emergency kit. Before taking your car out of the parking lot, check for the first-aid kit. You may also opt for a personal accident cover along with the car insurance policy to safeguard yourself during road mishaps. Meanwhile, an emergency kit is more than a first-aid kit. It should include a flashlight, jumper cables, some basic car repair equipment, flares, and a few other items.

Fill the fuel tank

If you are planning an adventurous trip to the mountains or some far away remote place, make sure your car's fuel tank is full. It is not uncommon to find travellers stranded on roads because they ran out of fuel. Plus, hilly terrains and remote areas may not have many petrol pumps in the vicinity. Therefore, to avoid an unpleasant encounter like this, make a note of this pointer on your checklist before you start your journey. If you are driving an electric vehicle, check to see if it is fully charged.

Car lights

If you are taking your car out on the road during night hours or in foggy conditions, you must check your car's headlights. If your car lights are not working or if their brightness has gone down, consider replacing them with new ones. Driving with dim headlights is not only difficult but is riskier as well.

Road mishaps are a major source of concern for both citizens and the government in India. According to the National Crime Records Bureau (NCRB) data, every 100 road crashes in 2017, 2018, and 2019 resulted in 32, 34, and 35 deaths, respectively. To curb the number of road mishaps and lower the death rate due to accidents, the Ministry of Road Transport & Highways (MoRTH) has laid down several road safety rules in India. Since the number of vehicles on the road is increasing with each passing day, it is important to educate ourselves on various road safety and traffic rules in India. Today, we will look at some important four-wheeler traffic rules in India.

Importance of Traffic Rules in India

Traffic rules make roads safer and ensure a smooth traffic flow, making driving a hassle-free experience for all those on the go.

1. Traffic rules decrease the risk of accidents and injuries.
2. It prevents congestion of roads.
3. Strict traffic rules make commuters follow them, thus protecting them from unnecessary fines.
4. Traffic rules quite literally save the lives of drivers, passengers, and bystanders.

Top Traffic Safety Rules in India for Car Drivers 

1. Do not drink and drive

Drinking and driving may look like fun but it is far more dangerous not just to self but for others too. Besides risking the lives of people on the road, co-passengers and self, being caught driving while inebriated can land you in big trouble with authorities.

What do four-wheeler traffic rules in India have to say about drunken driving? 

• According to Indian law, if you are found driving with a blood-alcohol level of more than 0.03% in your body, then you are breaking the law. 
• The permissible limit for alcohol is 30mg per 100ml of blood. 
• If you are found drinking and driving, you will be penalized for an amount ranging from Rs 2,000 to Rs 10,000. 

Drunken driving also attracts imprisonment for a period ranging from 7 months to 4 years.

2. Car Insurance

According to the MV Act of 1981, driving without minimum coverage in the form of third-party liability cover can attract penalties. If your car is not insured or if your car insurance has expired and you are still driving the uninsured car, the traffic authority can fine you for Rs 2,000. If the same offense is committed again, a penalty of up to Rs 4,000 can be imposed.

3. Always wear your seat belt

Don't call yourself a safe driver if you don't wear your seat belt around your chest and waist habitually. Driving a car with a seat belt not only ensures your safety but is also mandatory under the law. If you are caught breaking this car traffic rule, you could face a fine of up to Rs 1,000.

4. Don't use a mobile phone while driving

Using a cell phone while operating the steering wheel can cause distraction and lead to an accident. According to the new MV rules that came into effect on 1 October 2020, the driver can use his or her mobile phone only as a navigational device. If you are caught talking on the phone or for any purpose other than navigation, you will be fined for an amount up to Rs 5,000. Using a phone while driving can attract imprisonment for a year.

5. Avoid over-speeding

Have you ever noticed a highway speedometer? If yes, you may have also noticed the red display indicating that you exceeded the speed limit. Over-speeding your car can result in a fine of Rs 1,000 to Rs 2,000. The over-speeding fine depends upon the size of your vehicle.

6. Follow traffic signals

In this fast-paced world, everyone is in a rush, and you are not alone. Failure to obey traffic signals can result in a tragic collision. In addition, jumping red signals is prohibited, and violating this traffic rule can result in a fine of up to Rs 5,000 or imprisonment of one year. Apart from the signal, also keep your wheels behind the zebra crossing.

7. Make way for emergency vehicles

Keep your ears alert when driving and as soon as you hear sirens, instantly give a pass to the emergency vehicle. According to section 194E of the MV Act, not granting a pass to the hospital ambulance, fire ambulance, and other emergency vehicle is illegal. If you fail to do so, you could face a fine of up to Rs 10,000.

8. Number plate

While driving your car, make sure your number plate is clearly visible. Driving with a broken or damaged registration plate is illegal and is considered a serious offense.

9. Always keep your driving license handy

Driving a four-wheeler without a valid driver's license in your car or a digital version in a digital locker is unlawful in India and can result in a fine of up to Rs 5,000. Also, keep other essential documents such as RC, PUC, and insurance papers with you at all times while driving.

10. Rash driving

Rash driving can lead to a severe car crash. If you enjoy speeding and overtaking cars for no reason, you are encouraging authorities to penalize you. In India, reckless driving is punishable by a fine of Rs 5,000.

Importance of Car Insurance Policy

A Car insurance policy is not just a legal necessity but also a safety measure for the vehicle and a useful step in protecting your well-being and financial health.  

1. Indian Motor Vehicle Act 1988 mandates all drivers to at least have a third-party vehicle insurance policy.
2. Insurance helps cover third-party liabilities after an accident.
3. Insurance compensates for theft and damages dues to accidents and natural and human-made calamities.
4. With some insurances giving a cashless option, you can save money while getting useful repairs for your car at a network garage.

FAQs

1. What happens if I break a traffic rule?

There are fines and legal measures such as the seizure of vehicles, suspension of licences, and, in extreme cases, imprisonment for breaking traffic rules in India.

2. Is wearing a seatbelt mandatory for passengers?

Yes, Indian traffic rules mandate that all passengers, including at the rear, should have seat belts on for safety.

3. When to renew my car insurance policy?

Usually, car insurance policies are valid for a year and need to be renewed after that.

4. Can I drive my car without original documents?

If you have a digital copy of your vehicle documents, you can drive your car and show it to authorities if asked during a vehicle check.

Conclusion

Now that you are aware of road safety rules in India, follow them to avoid any penalties or fatalities on the road. Be a responsible citizen by adhering to traffic rules and making roads safer.

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.