Why is it important to have third party car insurance?

Third party insurance is mandatory as per the Motor Vehicles Act, 1988. If there is a car accident, where your car is at fault, you are liable to pay for the damages to the property of the third party, and for the injury or death of the third party.

If you do not have a third party motor insurance, you would have to pay the claim costs from your pocket, as well as pay penalty for driving without a third party car insurance.

What is Third Party Car Insurance

Road Accidents in India - 2016, is a report by Ministry of Road Transport & Highways. As per the report, there are 55 road accidents, and 17 consequential deaths every hour in 2016. Third party car insurance is a risk cover, where the insurance companies compensate for the legal liabilities which are claimed by a third party, when the vehicle of the insured is at fault.

It is important to note here that the third party car insurance does not cover the insured or the damage to his/her car.

Third party motor insurance policy covers:

• Death, bodily injury, or disability of the third party
• Damage to the property of the third party

There is no limit on the liability covered for injury or death, but the limit for third party property is capped at ₹7.5 lakh by Insurance Regulatory and Development Authority of India (IRDAI). For damages exceeding this limit, the policyholders will have to pay the balance themselves.

Consequences of Not Having Third Party Car Insurance

As per the law, it is an offence to ply an uninsured vehicle. Third party car insurance is also called 'Act only' insurance. Third party car insurance needs to be taken while purchasing the vehicle. It is as important as a driving license, without which the car owner can be penalised. The penalty could include:

• Surrendering of driving license
• Suspension of your vehicle’s registration
• Fine and/or imprisonment

If you are buying a vehicle, get your third party car insurance now, you will not only be saving yourself from getting penalised but will also be insured against third party legal liabilities arising out of an accident.

The Bharat Stage Emission Standards (BSES), set by the Central Pollution Control Board under the Ministry of Environment and Climate Change, were first introduced in India in 2000. To put a check on the air pollutants released by a vehicle’s internal combustion engine, the Government of India made these emission standards mandatory for all automobiles.

The Bharat Stage (BS) emission norms are based on the European (EURO) emission standards. It was first brought into effect under the head “India 2000”, which was followed by BS II in 2001 and BS III in 2005. However, it was only with the enforcement of BS IV in 2010 that the emission standards became more stringent in India. After that, the Government decided to skip the implementation of BS V in 2016 and instead, decided to introduce BS VI in 2020.

Bharat Stage VI is the 6th mandate for vehicular emission norms in India, which is stricter and more restrictive. Considering the ever-rising air pollution in the country, it is a welcome upgrade. Once BS VI norms are rolled out, it will give a push to our country’s battle against air pollution. With BS VI’s implementation, India’s vehicle emission norms will be at par with the USA’s and Europe’s emission norms.

What changes should you expect from BS VI emission norms?

With the rolling out of BS VI emission norms, you should expect the following changes:

With the rolling out of BS VI emission norms, you should expect the following changes:

1.Change in the fuel used

One of the major upgrades that is being introduced with the implementation of BS VI is the change in fuel to be used in vehicles. A vehicle with BS VI engine will require BS VI fuel to function properly. A BS VI vehicle using BS IV-grade fuel will not be able to conform to the BS VI emission norms. Similarly, a BS IV vehicle using BS VI-grade fuel will lead to a damaged engine and result in increased emissions.

2.Change in sulphur and nitrogen oxide levels

The most crucial difference between BS IV-grade and BS VI-grade fuel will be in terms of the content of sulphur and nitrogen oxide. While the sulphur traces in BS IV fuel is 50 ppm, the traces of the same in BS VI fuel is 5 times lower, i.e. 10 ppm. Moreover, the level of nitrogen oxide decreases to 70% in BS VI diesel engines and 25% in BS VI petrol engines.

3.Introduction of Real Driving Emission (RDE)

For the very first time in India, the concept of Real Driving Emission will be introduced with the implementation of Bharat Stage VI emission norms. It will measure the emission from a vehicle in real-time conditions and compare it against laboratory conditions.

4.Introduction of Diesel Particulate Filter (DPF) and Selective Catalytic Reduction (SCR)

BS VI is introducing the concepts of Diesel Particulate Filter and Selective Catalytic Reduction in the engines of BS VI-compliant vehicles, which were not a part of the BS IV vehicles.

5.Introduction of Onboard Diagnostics (OD)

Another change that is being brought about with the implementation of BS VI emission norms is OD becoming mandatory for all vehicles. It is a comprehensive electronic system that senses failures related to exhaust emissions of vehicles running on combustion engines.

What will happen to BS IV vehicles after the introduction of BS VI vehicles?

The Supreme Court of India, through a mandate in October 2018, has declared that the selling and buying of BS IV vehicles will be banned after April 2020. The court has ordered all car manufacturers in India to clear their stock of BS IV cars before the deadline.

Further, the Supreme Court has clarified that there will be no extension of the deadline for car manufacturers to clear their stock of BS IV vehicles. Hence, only BS VI cars will be able to tread legally on the Indian roads after April 2020.

However, if you already own a BS IV car, you don’t need to worry. The Finance Minister of India has stated that BS IV vehicles bought before March 2020 will remain operational up to their period of registration. Thus, you don’t need to sell the BS IV vehicle you already own and buy a BS VI car immediately.

The final word

The Motor Vehicles (Amendment) Act 2019 came into effect on September 1, 2019, with an intent to curb road accidents in India and boost road safety. This massive update to the Motor Vehicles Act 1988 has led to the introduction of fresh penalties and license requirements for vehicles along with new operating standards for both personal and commercial motor vehicles.

The new Motor Vehicles Bill brings forth a jaw-dropping surge in the fines for traffic rules violators. The Bill also seeks to spread awareness towards road safety and aims to discourage drivers from flouting traffic rules and regulations.

Here are some of the key points of the Motor Vehicles Act (Amendment) Act 2019 that you must know:

Mandatory Motor Insurance

The Bill instructs the Central Government to create a special Motor Vehicle Accident Fund that will be designed to provide compulsory vehicle insurance to vehicle owners. Car insurance and two-wheeler insurance offered by the Government has been targeted to ensure:

• Medical treatment for road accident victims under the ‘golden hour’ scheme.
• Monetary compensation to the next of kin of a person who has died in a ‘hit and run’ accident.
• Monetary compensation to the next of kin for a person grievously injured in a ‘hit and run’ accident.
• Monetary compensation for to other victims as identified under the new guidelines.

Vehicle Recall

Under the amended Motor Vehicles Act 2019, the Central Government reserves the rights to recall a vehicle of any make and model if it poses a persistent threat to drivers, environment or the public at large. The ‘recall’ use has been hailed as a great step towards bringing accountability in the auto industry. With the recall clause, a vehicle manufacturer will be liable to:

• Provide full reimbursement to the vehicle owner against the recall.
• Substitute the recalled vehicle with a replacement vehicle that has similar or higher specifications.

Road Accident Compensation

The amended act prescribes compensation and immediate cashless treatment for accident victims with the ‘golden hour’ period. Under the clause, the golden hour is described as the ‘one-hour’ post a major accident, wherein prompt, life-saving medical treatment can be given to the victim, thus saving his/her life. The act also envisions providing interim relief to third-party insurance claimants, seeking compensation.

• Minimum compensation in case of death in a hit & run case: Rs. 2 lakh.
• Minimum compensation in case of grievous injury in a hit & run case: Rs. 50,000.

Legal Protection for Good Samaritans

Under the good samaritans provision, any civilian administering aid (medical/non-medical) to an accident victim will not be pursued with legal/criminal action due to the death of the victim. The same is applicable in the case of seriously injured victims. However, the legal cushion is based on three factors:

• The assistance given to the victim should be in good faith.
• The assistance should not be based on rewards expectations, monetary or otherwise.
• The assistance given should be entirely voluntary.

Increased Penalties

The main talking point of the new Motor Vehicles (Amendment) Act 2019 is the steep rise in the monetary penalties for traffic violators. Despite facing opposition from various sections, the hiked penalties have been enforced and have already witnessed rigorous implementation. If you drive without motor insurance then you will have to pay high penalty.

A majority of the states have welcomed this surge aimed at reducing traffic violations, drastically. Below is the full list of traffic violations and their revised fines as per the Motor Vehicles (Amendment) Act, 2019:

There are primarily two types of covers when it comes to car insurance: these are own damages and third-party covers. Out of these, third-party insurance is made mandatory for all vehicles under the Motor Vehicles Act. These pay for damages caused to the third person by your vehicle in the event of an accident.

Under third-party claims, the maximum claim payout is restricted to just ₹7.5 lakh, if there is only damage to property. However, if the accident results in bodily injury or loss of life, then there is currently no cap on the amount that can be claimed.

Ideally, when someone rams into your car, resulting in huge repair bill, and with no fault of yours, then the cost should be borne by the driver at fault. But, that happens in rare cases. The reason being that to claim third-party insurance, the driver who is not at fault needs to take the erring driver to court and prove he’s guilty. Court trials can be a lengthy, costly and time-consuming affairs and hence very few people actually take this route.

Knock-for-Knock Agreement

So, what happens in the above case? Insurance companies acknowledge the tedious claim process associated with third-party claims. Hence, all non-life insurers in India have to, on an annual basis, sign an agreement with each other. Under its terms, they choose to pay for the damages if both parties have own-damage cover, rather than making use of the third-party cover of the driver at fault.

This agreement is called knock-for-knock agreement and has been created by the General Insurance Council. The dictionary definition is that it is an ‘agreement between vehicle insurance companies, in which each insurer pays for damages to the vehicle insured by it, without attempting to establish blame.’

Why is it Required?

As we all know, the process of filing third-party insurance claim is long and tedious with police and courts involved. This agreement is not mandated by law, but rather, is the result of an understanding between the insurers. This agreement is entered into to avoid the unnecessary delay that is encountered by dragging third-party claims to court.

What Impact it has on You?

This agreement between insurers is meant to avoid the delay that is associated with a court hearing, which can stretch into months and sometimes years. It also saves the concerned parties the frustration that is encountered while filing an FIR and obtaining a charge sheet from the police. Most importantly, it is meant to quickly cover expenses for the damage incurred without causing inconvenience to the customer.

This agreement is voluntary though and the customer can choose to go with third-party claims if he wants to. On the other hand, if the customer chooses to go with own-damage insurance (as part of this agreement) then he faces losing his no-claim bonus, even if the fault is not his.

Getting own damage motor insurance is always better, as it not only covers the third party expenses but also takes care of damage to your car in the event of an accident.

Air pollution poses the most pressing health risk to the global populace but it’s far more pronounced in India. According to the World Air Equality Report, twenty-one of the top thirty cities in the world, suffering from severe air pollution, are in India.

According to the World Health Organisation, hazardous air pollution is the reason behind a staggering seven million premature fatalities globally, mainly due to increased morbidity from a host of cardiovascular concerns, respiratory infections, and cancers.

While rapid industrialisation and emissions of greenhouse gases are significant contributors to the menace, vehicle pollution is guilty of exacerbating air contamination as well. That being said, no matter which part of the country (or world) you live in, you can always take steps in the right direction. This includes altering your commuting and travelling habits.

Use a cleansing agent

With time, harmful deposits start to accumulate in a car’s engine, resulting in decreased efficiency and increased emissions. Adding a cleansing agent in the fuel system helps to remove the deposit build-up and bring down emissions. Note that it is wise to invest in good-quality fuel containing these cleaning additives.

Before you take out your car for a spin, make sure you are adding the cleansing agents into the tank. The fuel cleaner and exhaust should ideally be used every two months for optimum efficiency.

Use better (alternative) fuels

At a gas station, you may have noticed fuel booths that are labelled ‘super’ or ‘premium’. These are alternative fuels that are cleaner substitutes for the regular diesel or gasoline. Thinking about whether these expensive alternatives are worth it? Indeed they are, considering they come with active purifying agents that help to check engine deposits and dirt, thereby limiting emissions and bettering fuel economy.

You might also observe a significant difference in performance. However, this ‘difference’ will depend on the age and make of your car, and your style of driving.

Replace the oil periodically

It is the engine oil that keeps your vehicle moving – lubricating it and preventing any wear and tear. Therefore, it makes sense to change the oil at periodic intervals to ensure your car performs optimally. Driving smart and efficiently is the key here. Go easy on the brakes and gas pedal to cut down car pollution.

Check the manufacturer’s handbook and maintenance schedule; it will help you stay on top of the recommended service intervals. Also, check the level of engine oil between every servicing session and top it up in keeping with the guidelines. Only use oil that is recommended by the manufacturer.

Be it car or two-wheeler insurance, all vehicle owners are required to carry physical copies of their insurance papers. Plying on the roads without insurance is against the law and enforcement officials can demand these papers anytime at random checkpoints. If a vehicle owner is caught without the papers, for whatever reason, then a fine is imposed.

What is e-Vahan Bima?

e-Vahan Bima is a motor insurance policy that is sent to the insured in a digital form. The Insurance Regulatory and Development Authority of India (IRDAI) has come out with this initiative in a bid to digitise vehicle insurance documents. Not only that, this policy also comes with a QR code that has all the details of the insured’s policy.

When the law enforcement authorities ask you for your insurance documents, all you have to do is show them this QR code on your smartphone. The police official will only need to scan the code and all the information will be made available to them, which will be directly taken from the insurer’s database or the central database of Insurance Information Bureau (IIB). If there is no internet connection, an SMS-based verification is also in place.

The Benefits of Digital Vehicle Insurance

Getting the policy papers in a valid, legal format does away with the need of carrying physical copies of your policy papers, thus enhancing convenience. Fraud detection will also get a fillip, as it will become difficult to get away with fake papers as the same can be verified using QR code instantly.

There will also be benefit of cost savings that is made possible due to insurers not required to send out physical documents to policyholders. The resultant cost saving can be passed on to customers in the form of reduced cost of policies.

The policyholder does not have to pay any additional charge for this digital insurance policy. Moreover, since this type of policy is entirely paperless in nature, it is environment friendly as well and will lead to protection of trees.

The e-Vahan Bima was first launched in the state of Telangana on January 2, 2016. This means that digital vehicle insurance policies are accepted by the state’s traffic department. Ultimately, this initiative will be rolled out across the length and breadth of India.

Buying a car is a big deal for many. It is a status symbol and a vehicle of convenience for those who buy it. However, the congested streets also ensure that unfortunate incidents are not far away. Buying car insurance protects you from expensive expenses that may come your way.

Bhubaneswar, the "Temple City" and the capital of Odisha, gets its moniker from its numerous ancient temples that attract thousands of tourists from across the world. Besides its cultural significance, Bhubaneswar has become a booming educational and commercial hub. And with a thriving tourism landscape, road transport is vital in driving economic progress. The Bhubaneswar Regional Transport Office (RTO) plays an integral part by offering transportation services, overseeing traffic regulations, and promoting road safety. Operating under the guidance of the Odisha Transport Department, the Bhubaneswar RTO facilitates vehicle-related services and actively contributes to enforcing traffic rules.

RTO Office in Bhubaneshwar

1. RTO Office (OD-02)

2. RTO Office (OD-33)

Jalandhar is a busy city in Punjab known for its vast population. It serves as an administrative centre and has well-connected roads to other parts of the state. The Regional Transport Office (RTO) of Jalandhar, identified by the code PB 08, oversees traffic-related matters within the city.
The RTO office Jalandhar has various responsibilities, including addressing vehicle-related issues, enforcing traffic regulations, monitoring offences, and prioritising initiatives to enhance road safety. As a key administrative body of the city, the Jalandhar RTO plays a crucial role in ensuring efficient and safe road networks across the city.

RTO Office in Jalandhar

Here are the postal addresses of the main Jalandhar RTO and those of the peripheral RTO offices at Shahkot, Nakodar, and Phillaur:

As you drive through the busy streets of Chennai, law enforcement unexpectedly pulls you over, making you realise that you have unknowingly exceeded the speed limit. While relying on traffic rules for safety, we often need to remember them. Let’s explore Chennai’s traffic fines, particularly emphasising drink and drive fines in Chennai, highlighting the importance of adhering to regulations for both our safety and legal compliance.

Traffic Fines for Traffic Violations in Chennai

Stay vigilant with this useful guide on drink and drive penalties in Chennai to prevent surprises during your journey:

• Drunk Driving or Riding: Fines start at ₹10,000 or 6 months in prison, which escalates to ₹15,000 and/or 2 years in jail for repeat offences.

• General Traffic Rule Violations: A penalty of ₹500 is imposed for minor infractions.

• Violations of Road Rules and Regulations: Non-compliance results in a fine of ₹500.

• Travelling Without Tickets: This incurs a fine of ₹500.

• Driving Without Valid Registration Certificate: A significant fine of ₹5,000 is levied for this violation.

• Disobeying Traffic Police Orders: Failing to comply results in a ₹2,000 fine.

• Driving or Riding Without a Licence: This serious offence carries a fine of ₹5,000.

• Driving after Licence Cancellation: Continuing to drive post-licence cancellation attracts a fine of ₹5,000.

• Driving an Oversized Vehicle: Operating an oversized vehicle incurs a ₹5,000 fine. 

• Riding without a Helmet: This incurs a ₹1,000 fine and a 3-month ban on the riding licence.

• Driving without Insurance: A fine of ₹2,000 is imposed for uninsured driving.

• Rash and Negligent Driving: This serious offence results in a ₹5,000 fine.

• Over-boarding on Two-wheelers: Carries a ₹2,000 fine and a 3-month licence suspension.

• Violations by Juveniles: A hefty fine of ₹25,000 and up to 3 years imprisonment can be imposed.

• Driving Without Seatbelts: A fine of ₹1,000 or community service is required.

• Violating Licence Conditions: Fines range between ₹25,000 and ₹1 Lakh.

• Driving Without a Valid Permit: A fine of ₹5,000 is levied for this offence.

Conclusion

Acknowledging the significance of car insurance is crucial, especially in Chennai, where strict traffic regulations, including hefty fines for violations like drink-and-drive, are in place. Prioritising insurance ensures legal compliance and safeguards against potential financial consequences. Responsible driving and comprehensive coverage are essential for a safer and more secure commute in Chennai’s traffic-regulated environment. 

Updated on 10-04-2025

Ever wondered if your car insurance would come to the rescue when you need a new battery? With so many terms and conditions, the world of car insurance is tricky to navigate. However, do not worry, we're here to answer your question: “Is a car battery covered under insurance?”.

Is a Car Battery Covered Under Insurance?

Electric car batteries are large energy sources that undergo charge and discharge cycles. Lifespan and replacement costs are two concerns regarding a car battery. But, does insurance cover a car battery? Let us check:

• Typically, electric car batteries come with warranties, lasting up to eight years or a specified mileage. Beyond this period, owners may face the need for battery replacement due to wear and tear.
• Car insurance, as a rule, doesn't include vehicle battery coverage. Comprehensive insurance won't cover losses related to depreciation and wear and tear of the vehicle.
• However, insurance companies offer electric car battery coverage as an add-on feature or rider. This additional coverage extends the insurance policy, addressing the inevitable need for battery replacement.

Situations Where Car Insurance Will Cover a Battery Replacement

While routine battery wear and tear is not covered, certain scenarios may be covered:

• Accidents: If your vehicle is involved in a collision that damages the battery, your collision coverage may cover the replacement cost.
• Theft or Vandalism: Comprehensive coverage may cover battery replacement if your battery is stolen or damaged due to vandalism.
• Natural Disasters: Damage from events like floods, hurricanes, or earthquakes may be covered under comprehensive insurance, including battery replacement if affected.

It is important to note that coverage is subject to the terms of your four-wheeler insurance and may require payment of a deductible. Additionally, the cost of the battery replacement must exceed the deductible amount for the insurance to contribute to the expense.

What Are Some Tips for Car Battery Maintenance?

Proper maintenance can extend the life of your car battery and reduce the chances of unexpected failures. Here are some tips:

1. Regular Inspection: Periodically check the battery for signs of corrosion, leaks, or damage. Clean the terminals to prevent corrosion buildup.
2. Secure Mounting: Ensure the battery is firmly secured to minimise vibrations, which can cause internal damage.
3. Limit Short Trips: Frequent short trips can prevent the battery from fully charging. Occasionally, taking longer drives can help maintain its charge.
4. Turn Off Electrical Components: Before turning off your vehicle, ensure that all lights and electrical accessories are switched off to prevent draining the battery.
5. Regular Charging: If you don't use your vehicle often, consider using a trickle charger to maintain the battery's charge.
6. Avoid Extreme Temperatures: Whenever possible, park your vehicle in a garage or shaded area to protect the battery from extreme temperatures, which can affect its performance and lifespan.

Conclusion

So, if you’ve ever pondered the question, “Is a car battery covered in insurance?”, we hope this helps. In a four-wheeler insurance policy, a new battery may not be covered by the standard policy. However, acknowledging the wear and tear reality of electric car batteries, insurance companies provide an option to enhance coverage with an add-on for battery replacement.

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.

You can easily alleviate the effects of motion sickness through some simple methods

A sensation of wooziness, motion sickness is a common phenomenon experienced by many while driving. It can start suddenly, leading to dizziness, nausea and vomiting and can quickly turn your trip into a nightmare. In this article, we will share a few tips that will help you to reduce the effects of motion sickness while you’re behind the wheels.

Monitor What You Eat

It’s important to watch the type of food you consume before setting out for a drive as it can make a significant difference to the onset of motion sickness. It is best to avoid food that makes you unusually full. At the same time, you should avoid consuming spicy foods with strong odour as it may worsen the condition.

Hence, make sure that you take light meals and if you find certain foods not agreeing with your taste, it’s advisable to avoid them completely. A strict control over your diet goes a long way in relieving the symptoms of motion sickness.

Watch Out Your Position

When you are driving, make sure to sit in a comfortable position and look at the horizon. When you do so, you keep your focus away from the moving objects. Though you need to be mindful of your surroundings, avoid looking sideways through the windows as much as possible.

This is because looking sideways can sometimes lead to a sudden and severe nausea. If you are driving a four-wheeler and can keep its windows open, do so as a constant gush of fresh air can reduce the effects of motion sickness.

Keep the Interiors of Your Vehicle Cool

If you’re driving a vehicle that’s warm from inside, it can escalate the condition of motion sickness. Hence, try to keep the interiors of your vehicle cool to keep the symptoms in check. You can switch on the air-conditioner of your car and try to recirculate the air so that you aren’t subjected to exterior odours.

Keep Your Vehicle Well-ventilated

Another common reason for experiencing motion sickness while driving is poor ventilation inside the car. This can lead to certain odours being trapped, which can cause dizziness and nausea. Therefore, it’s advisable to keep your vehicle well-ventilated by lowering down the window panes a little bit.

At the same time, it is a good idea to have some soothing odour in your vehicle such as mint or lavender as it can prevent the triggers of motion sickness.

Understanding mobile self-inspection and its benefits

Insuring your car is of utmost importance to protect yourself from third party liabilities in the event of an accident involving your car. There is no cap on the liability if a person is injured or killed in an accident caused by your car. The liability due to damage to third party property is capped at ₹7.5 lakh.

The consequences of not getting your car insurance done in time are worrying. The reasons for your car remaining uninsured are trivial. These include non-payment of premium, late payment of premium, and failure to renew. The renewal of a lapsed policy is troublesome. Renewal in time is very easy.

Renewing a lapsed car insurance policy is a long-drawn process. The car owner has to inform the insurance company and get a physical survey of the car done, which could take a few days. The survey of the car is the critical part of the process to renew a lapsed policy. Hitherto, this was the only choice. ICICI Lombard has now made renewing a lapsed policy a much easier process, which takes just a couple of hours.

Mobile Self-Inspection

ICICI Lombard has deployed a digital channel to make life cooler for a car owner even if the insurance policy has lapsed. Mobile app ‘Insure’ now has a ‘mobile self-inspection’ feature.

The car owner has to just pay revival premium online or through the mobile app, following which the customer is prompted to upload the self-inspection video via the Insure app. The policy is generated within a few hours after the self-inspection video is approved as per ICICI Lombard’s underwriting guidelines.

Updated on - 27 Apr 2026

Discover the penalties for drink-and-drive offences in Delhi, including fines, enforcement measures, and legal consequences for drunken driving offences violations.

You need a fit body and a clear mind to drive safely. This is especially important in India, where road conditions can be unpredictable. Authorities have taken a stricter approach towards offenders who drive under the influence of alcohol, as it often leads to rash driving and serious accidents. Let’s take a closer look at the drink and drive fine in Delhi.

Drink and Drive Penalties in Delhi

Here is a quick overview of the current penalties and rules you should be aware of:

These penalties, often referred to as drink and drive fines in Delhi, were strengthened under the Motor Vehicles (Amendment) Act, 2019. The aim is to discourage drunk driving and improve road safety.

In addition to fines, authorities may impound the vehicle or suspend the driver’s licence in serious cases. This reflects the stricter enforcement around drinking and driving fine Delhi regulations.

Conclusion

Safe driving requires both physical and mental alertness. Driving under the influence not only puts your life at risk but also endangers others on the road.

Along with following traffic rules, it is important to stay financially protected. Having a valid car insurance plan, including a third party car insurance policy, can help cover liabilities in case of accidents and ensure compliance with the law.

FAQs

1. What is the punishment for drink and drive in Delhi?

For a first offence, the penalty can include a fine of ₹10,000 and/or up to 6 months in jail. Repeat offences attract higher fines and longer imprisonment.

2. Does drink and drive affect car insurance claims?

Yes, it can. Most insurers may reject a claim if the driver was under the influence, since it goes against policy terms. In some cases, courts can also look at whether alcohol actually contributed to the accident, but even then, approval is not guaranteed.

3. Are drink and drive rules the same across India?

The main law is the same across India, but how strictly it is enforced, and sometimes the penalties, can vary slightly from one state to another.

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.

Bangalore houses one of the largest industrial zones in India. The city is growing rapidly in population and in the number of two and four-wheelers. Bangalore residents are becoming increasingly concerned about rising pollution and traffic violations. Penalties for drunk driving have been increased to prevent accidents and serious injuries, and the government has tightened the rules related to rash and drunken driving. Updated traffic rules, responsible driving, and four-wheeler insurance can create safer roads and effectively mitigate accidents.

Navigating Drink and Drive Fines in Bangalore

• An initial offence related to drink and drive fine in Bangalore carries a penalty of INR 10,000 and/or a maximum jail sentence of six months.
• All vehicles are subject to penalties, including commercial vehicles, two-wheelers, and four-wheelers.
• A second offence of drink and drive penalty in Bangalore carries a fine of INR 15,000 and a maximum jail sentence of two years.
• If a driver is found intoxicated, the police will confiscate the car right away.
• A Blood Alcohol Content (BAC) test indicates intoxication if the alcohol content is more than 30 mg per 100 ml of blood.
• The government must work to raise awareness and prevent drunken driving, as it can end in terrible consequences.

Mumbai is a city that never sleeps. This tag comes from the cosmopolis’ ever-increasing number of people and vehicles. Over the years, this has led to increased traffic offences (such as operating a car/bike without proper insurance). The Government of India passed The Motor Vehicles (Amendment) Act 2019 to curb such nuisance nationwide. Mumbai authorities also implemented the new Act, resulting in new traffic rules, increased drink and drive fines in Mumbai, and added new violations. All these steps are meant to discourage traffic violations.

Navigating Drink and Drive Fines in Mumbai

• Offenders are subject to a fine of INR 10,000 or six months in jail for drunk driving.
• The drink and drive penalty in Mumbai carried a punishment of INR 2,000 or six months in prison before September 2019.
• Second-time offenders risk a fine of INR 15,000 and two years in jail under the amended Act
• Mumbai residents aged between 26 and 35 are likelier to breach the law.
• Traffic police use breath alcohol content tests, for which the threshold is 30 mg of alcohol per 100 ml of blood.
• The necessity for cautious driving is highlighted by the fact that a rise in vehicles leads to worsening traffic conditions and an increase in accidents.

We have vivid memories of childhood when random numbers behind cars intrigued us a lot. And it takes us years to realise that those numbers serve a crucial purpose. 

Components of a Vehicle Number Plate

Let’s try understanding the various components of a green number plate in India through an arbitrary example, say DL 11 XX 1234.

• The two letters at the beginning indicate the Indian state where the vehicle is registered. For instance, DL stands for Delhi.
• The following two digits denote the Regional Transport Office (RTO), or district, where the vehicle is registered.
• The third component is alphanumeric; each vehicle possesses a distinctive code.
• The final component represents the international registration code for India, identified as ‘IND’.

Have you received an e-challan in Bihar recently and are scratching your head, wondering how to clear it? Worry not! We have got you covered. An E challan payment in Bihar is easier than you might think, and we are here to walk you through the process step-by-step.

Pay e-Challan in Bihar

An online challan payment in Bihar is a simple process. It is set up as fast and easy to use. 

• Start by Visiting the Official Site

The first step is to head over to the Bihar Transport Department’s website. This site is your primary resource for managing your e-challan.

• Find the 'Challan Details' Option

Navigate to the ‘Online Services’ section once you are on the website. You can find the ‘Challan Details’ option here. Click on this to move forward in your e-challan payment journey.

• Redirected to e-Challan Link

After clicking on ‘Challan Details’, you will be redirected to a new page. Here, you will find the official e-challan Parivahan link. Click on this link to proceed to the next step.

• Select 'Get Details'

Your task is to select the ‘Get Details’ option on this new page. This button is crucial as it leads you to access your specific e-challan details.

• Enter Relevant Information

Now it is time to input some details. Your challan, car, or driver's licence number can be entered. This step is essential to retrieve your specific challan information.

• Enter the Captcha Code

A captcha code is required for security reasons. Enter this code to move on to the next stage carefully.

• View and Pay Your Challan

Your pending e-challans will be displayed upon entering the correct information. After you have decided which one to pay, select it and proceed with the online payment process.

• Confirmation and Transaction ID

You will receive a confirmation message along with a transaction ID once the payment is successfully made. This information is a record of your payment, so be careful with it.

Updated on 8 Dec 2025

In Bihar, traffic rules have become increasingly strict with the growing use of e-challans. This particular challan is an online fine charged by the traffic police in Bihar for breaking or violating traffic rules. It helps maintain transparency and enables people to avoid unwanted delays.

If you reside in Bihar, it’s essential to know how you can check the status of the e-challan online. Doing so can help you clear all the fines instantly and prevent legal problems.

Reasons you might get an e-challan in Bihar

The traffic police in Bihar can issue an e-challan for several reasons. These can be:

• Overspeeding on the highways.
• Jumping the traffic lights.
• Driving a vehicle without valid documents, such as an RC, insurance plan, etc.
• Not using a seatbelt while driving a car or wearing a helmet when driving a two-wheeler.
• Being on a call while driving.

Steps to check e-challan status in Bihar

Checking an online e-challan status in Bihar is a straightforward process. Just follow these simple steps:

• Visit the Parivahan Website

Start by going to the official site for all e-Challan-related services.

• Navigate to 'Check Online Services'

Click 'Check Online Services' on the top menu bar, and click 'Check Challan Status' from the options.

• Enter Your Details

Enter your challan number, car number or the number of your driving licence to continue.

• Complete the Captcha Verification

Enter the correct captcha code. This step is crucial for security reasons.

• View Your Challan Status

You can view the status of any pending challans after completing these steps.

Additional tips regarding traffic challan in Bihar

When you receive an e-challan, keep the following points in mind:

• Always carry all the valid documents while driving.
• Ensure timely payment to avoid incurring additional penalties.
• If you discover the challan to be incorrect, you can request a correction through the official e-challan portal or by visiting your local traffic police station.
• You should regularly check the status online to keep it up to date.

Importance of having car insurance for driving in Bihar

In Bihar, having a valid car insurance policy is not just a legal requirement, but it’s also a way to safeguard yourself from all the heavy penalties. If you’re caught without insurance, you might receive an e-challan and also face much higher fines. Apart from that, having a car plan will also help cover medical costs, third-party damages and accident expenses.

Conclusion

Checking the status of your e-challan in Bihar is as simple as it gets, and you can complete it online in just a few minutes. You should keep the third-party car insurance policy updated, follow all the traffic rules and be extra careful while driving on Bihar roads. Doing so will keep you protected from fines and legal troubles.

Furthermore, if you want car insurance-related advice and solutions, fill out the form on this page. 

FAQs

• Who receives an e-challan in Bihar?

An e-challan is issued to all individuals who violate or fail to follow traffic rules.

• What happens when someone doesn’t pay their e-challan?

Failing to pay the challan on time results in significantly higher fines and penalties, as well as potential court notices.

• Is vehicle insurance compulsory in Bihar?

Yes. Having car insurance is mandatory for all sorts of vehicles.

• Where to pay the e-challan?

You can make the payment either through the online Parivahan portal, at an authorised bank or at a nearby traffic police station.

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.

Kolkata stands at No. 17 among the biggest and most populous cities in the world, and it is a premium tourist attraction, given its rich cultural and historical heritage. Each year, Kolkata draws millions of visitors and, along with them, the number of vehicles also multiplies. Hence, it is essential to adhere to traffic regulations for a safe driving experience. Understanding and following traffic rules in Kolkata ensures your safety and contributes to the overall efficiency of managing traffic in this beautiful city.

Traffic Rules in Kolkata

• Driving side

In Kolkata, as in the entire country, we drive on the left side of the road, a legacy left by the British colonists.

• Traffic signals

It is important to obey traffic signals to maintain order and prevent accidents. Red signifies stop, green indicates go, and yellow signals caution.

• Speed limits

Respecting the speed limits specified for various areas is crucial for ensuring safety for yourself and that of others on the road. Speed limits vary across zones, so it's important to be mindful of signage indicating these limits.

• Seat belts

Safety should be the top priority; hence, it is imperative to wear your seat belt while driving. Ensure all passengers, regardless of their seating position, have fastened their seat belts correctly.

• Mobile phones

Using phones while driving is prohibited unless you have a hands-free device. It's important to avoid distractions and maintain focus on the road.

• Drunken driving

Driving under the influence of alcohol or other proscribed substances is strictly prohibited. Make sure to stay sober when you're driving as it is crucial for your safety and the safety of others.

• Overtaking

Remember to follow the rules concerning overtaking and do so only when everything appears safe. Use the indicators to convey your intention to overtake.

• Parking regulations

To prevent traffic congestion, park in designated areas. Keep in mind that parked vehicles may be towed.

• Pedestrian crossings

Ensure to yield to pedestrians at crossings. Use caution in areas with high pedestrian traffic.

• Documentation

Always carry your driver’s license when driving as this is a mandatory requirement. Ensure your vehicle has a Pollution Under Control (PUC) certificate. It is mandatory to maintain car insurance coverage for your vehicle, according to Kolkata traffic rules.

Updated on 27 Nov 2025

Delhi’s roads are a nonstop hive of activity, with over 7 lakh new vehicles registered in 2024 alone. The capital’s streets have seen a fresh wave of cars, bikes and scooters. Juggling among honking autos, weaving two-wheelers and crowded lanes is an everyday affair on these roads. Amid this hustle, knowing the traffic rules is not just important for legal reasons, but it is essential for your safety.

Speed limits in Delhi (as per vehicle type)

Delhi’s speed limits differ according to vehicle type and road area, with the Traffic Police frequently revising them to suit changing urban conditions.

Updated speed limits:

• Cars and light motor vehicles (LMVs): 50 km/h in residential or congested areas, 70–80 km/h on arterial roads and 120 km/h on expressways (where permitted).
• Two-wheelers: 50–60 km/h in most city areas and up to 70 km/h on wider city roads.
• Heavy commercial vehicles (HCVs): 40–60 km/h based on route and area.

A small margin of error (typically 5%) is often accepted, but exceeding the limit may lead to an automatic challan issued via surveillance systems.

Red light jumping and lane discipline

Delhi’s intersections are now monitored by AI-powered CCTV cameras, making red-light violations and poor lane behaviour instantly detectable.

Violations like jumping traffic signals, zig-zag or aggressive lane changes and blocking zebra crossings or box junctions can result in a ₹1,000–₹5,000 fine and licence suspension. In serious cases, even short-term imprisonment is given.

Parking and no-parking rules

Illegal parking contributes to congestion and poses safety hazards. In Delhi, never park near intersections, pedestrian crossings, driveways or bus stops. Also, avoid double-parking or stopping in narrow lanes. Penalties for parking violations can range between ₹500–₹1,500. Vehicle towing and additional release charges may be levied if your parked vehicle obstructs traffic.

Even a short stop in a no-parking zone can cost you, so always look for signage or designated parking bays.

E-challan system in Delhi

The e-challan system in Delhi is a completely digital process that helps drivers check, pay and manage their traffic fines without visiting a traffic police station.

How it works:

• Violations are detected via CCTV or handheld e-challan machines.
• An e-challan is automatically generated and linked to the vehicle number.
• You’ll receive an SMS alert (if your mobile number is registered).
• The challan is uploaded to official portals for online payment.

Where to check and pay e-challans:

• Parivahan Sewa Portal
• Delhi Traffic Police Website
• Mobile apps or Delhi police apps like Tatpar.

Note: Fines must be paid within 60 days to avoid late fees or legal action.

Documents required while driving in Delhi

Always keep the following valid documents with you, either in physical form or digitally stored in DigiLocker or mParivahan:

• Valid Driving Licence (DL)
• Registration Certificate (RC) of the vehicle
• Pollution Under Control (PUC) certificate
• Third-party or comprehensive car insurance policy

Not carrying these can result in fines of ₹1,000-₹5,000, and repeated violations can lead to licence suspension or vehicle seizure.

Penalties for common traffic violations (2025 updated fines)

Here is a glance at the updated fines in Delhi as per the Motor Vehicles (Amendment) Act, 2019, enforced in 2025:

Delhi Traffic Police updates penalties regularly, so always check their official portal for the latest details.

Conclusion

Understanding and adhering to Delhi traffic rules are crucial for fostering a safe and efficient transportation system. In addition to following these traffic rules, all vehicle owners must ensure they have proper four-wheeler insurance coverage for comprehensive protection on Delhi's roads.

While you are doing your part to drive responsibly, let us help you stay protected on the road. From assistance in picking the right car insurance policy to upgrading to comprehensive car insurance, we have got you covered. Simply fill out the quick form on this page, and our experts will guide you with personalised advice based on your vehicle, driving habits and budget.

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.