Gone are the days when renewing a car insurance policy used to be a painful task. One had to make numerous phone calls, fix up a meeting with the insurance agent, visit the insurer’s office personally, and get the policy renewed. In today’s digital era, renewing your car insurance policy is extremely simple, and the same is possible online. With just a few clicks and inputting the necessary data, one can be assured that the vehicle will stay protected without having to visit the insurance office directly. Here, we will walk you through the details of how to renew motor insurance online and the steps you need to follow.

Details Required For Car Insurance Policy Renewal

Before you begin the process of renewing your car insurance policy online, make a checklist of all necessary documents and see that you have everything with you. This will help speed up the process and save you time in looking for the requisite information.

The list of required documents/details that you will need are:

1. Full Name
2. Residential address
3. Your car’s make and model number
4. Car registration number
5. Previous policy number details
6. Add-ons you wish to choose
7. Payment details

Steps to Renew Car Insurance Online

Now, let’s look into how to renew car insurance online. The following steps will help you do so.

1. Select the Insurance Company

The first and foremost step is to decide upon the insurance company you feel is right for you. Ideally, the insurer that has the best pre- and post-sale service should be selected. Besides, you should also consider the coverage offered and whether it is fairly priced.

2. Decide the type of insurance

Select the type of insurance plan you wish to buy. There are two types of policies available in the market: third-party and comprehensive car insurance policy.

A third-party car insurance policy is mandated by law, where only third-party damages to property/person are covered. However, you may choose a comprehensive car insurance plan to cover your own damages as well.

3. Enter your details

You will need to fill out a form by entering your details for the car insurance renewal.

4. Select the Add-Ons

If you are choosing a comprehensive car insurance policy, you can select various add-ons the insurer offers to extend the scope of coverage. The commonly offered add-ons are —

Zero Depreciation Cover: With this add-on cover, your car will be valued at its original value and not the depreciated value.

Roadside Assistance: With this add-on coverage, if your car breaks down in the middle of the road and needs to be towed, the insurance company will arrange for the towing and also pay for the same.

Engine Protection: This add-on helps to cover the engine when it needs to be repaired or replaced.

Return to Invoice: In case of theft or total loss, this add-on will consider the value of the car at the ex-showroom price.

NCB Protect: With this add-on coverage, you will be able to retain your no-claim bonus for making up to two claims in a policy year.

5. Make Payment

Based on the add-ons selected, your final insurance premium will be decided. Once you have gone through the same and accepted it, you will be taken to the payment portal. Upon successful completion of the payment process, you will receive a copy of your motor insurance policy on your email ID.

Conclusion

Now that you know how to renew car insurance online, you can easily do it in a hassle-free manner. Keep your car safe and insured, and stay on the right side of the law.

Updated on - 31 Dec 2025

Saving on car insurance policy can feel like a mystery, but your No Claim Bonus or NCB is a simple way to cut costs. Every year you go without making a claim, you earn a discount that lowers your premium at renewal. Knowing your NCB helps you plan, avoid overpaying and make smooth transitions if you change insurers.

This guide will show you how to check your NCB, understand what it means for you and make the most of the rewards you’ve earned.

What is NCB in car insurance?

No-Claim Bonus (NCB) represents a discount extended by insurers to individuals who have refrained from making any claims during their policy’s duration. The NCB discount is accumulative and escalates with each claim year, ranging between 20% and 50% of the premium. Consequently, you become eligible for increased discounts on your car insurance premium at the time of policy renewal.

It is essential to understand that the NCB is associated with the policyholder, not the vehicle. This means you have the flexibility to transfer your NCB when changing insurers or buying a new vehicle as long as you are the registered owner of the new car.

Steps to check NCB in car insurance

If you are searching for how to check NCB in car insurance, the following steps will help you do so:

1. Reach out to your insurer

The easiest way to confirm your NCB status is by contacting your insurance provider. You can get in touch with them by phone, email or by visiting their nearest branch.

2. Utilise online platforms

Many insurance companies offer portals or mobile applications where you can view your policy information, including details about your NCB status. Log in to your account on their website or app. Navigate to the section related to policy details or renewal. When renewing car insurance online, you will find information about any NCB on the webpage.

3. Refer to your policy documents

To determine your How to check No-Claim Bonus (NCB) in car insurance, start by consulting the NCB slabs provided by insurance providers that outline percentage discounts based on claim years. If you have a copy of your insurance policy, you can refer to it to discover the NCB percentage you qualify for.

When changing your insurer at the time of renewal, it's important to mention the NCB you've accumulated from your policy. While filling out the details, there will be a section where you can enter the NCB percentage you've built up. By transferring your NCB, you can continue enjoying the discounts earned from your no-claim years. Insurers reward policyholders with discounts of up to 50% for 5 consecutive claim-free years.

Different ways to check NCB in car insurance

You can check your NCB in several ways. Start by looking at your policy document, where the NCB percentage is usually mentioned on the first page. Many insurers also provide this information on their online portal, so you can log in and view your policy details.

If you prefer, you can call the customer care helpline and provide your policy number to verify your NCB.

Alternatively, you can visit your insurer’s branch, where staff can check the details for you or request the information through your insurance agent if you purchased your policy that way.

How to transfer NCB when switching insurers

Your No Claim Bonus does not disappear when you move to a new insurance company. To transfer it, request an NCB certificate from your old insurer, which shows how many claim-free years you have. When you buy your new policy, provide this certificate to your new insurer.

They will verify the information and apply the same NCB, ensuring you continue to enjoy the discount you earned for safe driving.

Common mistakes to avoid while checking NCB

When checking your NCB, avoid common mistakes that can cause errors. Many people forget to verify that their previous policy had a valid NCB. Some rely only on verbal confirmation instead of checking the policy document.

Not using the same mobile number or email across policies can lead to mismatched records. Forgetting to inform the insurer after a claim or not checking your NCB before renewal can affect your discount. Ignoring emails or SMS reminders from your insurer may also result in missed updates.

Why it’s important to keep your NCB record updated

Keeping your NCB record updated is important because it directly affects how much you pay for car insurance. When your NCB is correct, you receive the discount you’ve earned for safe, claim-free driving.

If the record is incorrect or not updated, you may lose this discount and pay a higher premium. Regularly checking and updating your NCB helps you save money and ensures your insurance history remains accurate.

Protecting your NCB with car insurance add-ons

Protecting your NCB helps you save on your car insurance premium each year. One way to do this is by purchasing NCB protection cover. This add-on allows you to maintain your NCB even if you make one or more small claims during the policy period. The cost of minor accidents will not reduce your discount, helping you keep your NCB and enjoy lower premiums for a longer time.

Note: This is an indicative explanation. Please read your policy document for full details regarding NCB, inclusions and exclusions.

Conclusion

Keeping track of your no claim bonus in car insurance is more than just a paperwork task; it’s a smart way to save money and make your car insurance work for you. By knowing your NCB status, you can plan renewals, avoid overpaying and make confident decisions when switching insurers. Tracking your NCB also encourages safer driving, rewarding you for claim-free years. Taking charge of your NCB ensures you get the discounts you deserve, builds a cleaner insurance history and gives you a clear advantage every time you renew.

You can also know which car insurance suits you best by filling out the form on this page, and our insurance experts can help you choose the right one.

FAQs

1. Can I lose my NCB if I make a minor claim?

It depends on the insurer and the type of coverage you have. Some policies offer NCB protection add-ons that allow you to make small claims without affecting your discount. Always check your policy document to confirm how claims impact your NCB.

2. NCB applicable to both new and used cars?

Yes, your NCB can be transferred to a new or used car as long as you are the policyholder. Make sure to request an NCB certificate from your previous insurer when switching vehicles.

3. How long is an NCB certificate valid?

Usually, NCB certificates are valid for 90 days from the expiry of your previous policy. If you renew or buy a new policy after this period, some insurers may require additional verification.

4. Does NCB apply to third-party insurance?

No, NCB only applies to the Own Damage (OD) portion of your car insurance premium, not the third-party liability portion.

5. Can NCB affect my premium for multiple cars?

NCB is tied to the policyholder, not the vehicle. You cannot use the same NCB for multiple cars simultaneously, but you can transfer it when you sell one car and buy another.

Note: This is an indicative explanation. Please read your policy document for full details regarding NCB, inclusions and exclusions.

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.

Updated on 27 Nov 2025

If you are a car enthusiast or simply someone curious about how your vehicle works, you may have heard the term “V engine” tossed around quite a bit. Found in everything from sports cars to luxury sedans, these engines are known for their powerful performance, compact design and efficient balance of speed and torque.

Understanding the different types of V engines can help you appreciate your car’s performance better and even make smarter decisions when choosing a vehicle or the right four-wheeler insurance to go with it.

What is a V engine?

A V engine is an engine in which cylinders are arranged in two rows,  tilted toward each other, usually forming a 60 to 90-degree V shape when viewed from the front. The cylinders on each side are joined to one central crankshaft. The V shape helps reduce engine length and weight, providing better handling and balance, especially in sports cars and larger SUVs.

V engines are one of the most efficient ones in creating rotational power.  This design also enhances engine performance by allowing more cylinders, which translates to smoother power delivery and higher speed capabilities.

How do V engines work?

A V engine operates on the same basic principle as any internal combustion engine. The cylinders draw a mixture of fuel and air into the combustion chamber and are ignited there, generating power that drives the pistons.

Types of V engine

V engines are categorised based on the number of cylinders used in them. These are as follows:

• V2 Engine

The V2 engine, commonly equipped in motorcycles, was first used in Daimler Stahlradwagen's automobiles in 1889. It features two chambers and is commonly known as V-twin cylinders. The piston's engine has cylinders sharing a common crankshaft.

• V4 Engine

The V4 engines are among the rarest used in automobiles. In a V4 engine, four cylinders are connected to the crankshaft. It has a more complex structure and performs smoothly. It performs better in terms of power and rigidity. Some V4 engines have two crankpins that are shared by opposing cylinders. Typically, three main bearings support the crankshaft in this engine type.

• V6 Engine

The compact size of V6 engines makes them well-suited for modern vehicles and F1 cars. In this engine, two sets of three cylinders remain connected with the crankshaft at an angle. Their short length, along with great performance, significantly reduces vibrations, enhancing overall vehicle durability.

• V8 Engine

After the initial success of V2 engines, engineers developed 8-cylinder V engines. It is a potent engine. Most V8 engines use a V-angle of 90 degrees between the two banks of cylinders, promoting optimal engine balance. This angle contributes to excellent balancing and reduced vibrations in the engine.

• V12 Engine

The twelve-cylinder piston engine is one of the most powerful in the automobile industry, generating high horsepower. It features two sets of 6 cylinders placed on either side of the crankcase at a 60-degree angle. Each bank of a V12 engine functions as a straight-six engine, which by itself has perfect primary and secondary engine balance. It is usually used in high-end cars because of its exceptional performance.

Conclusions

V engines have revolutionised automotive engineering by allowing manufacturers to pack more power into less space. Whether it is a V6 that offers a smooth city ride or a roaring V12 under the hood of a supercar, each configuration serves a purpose- from performance to practicality.

As you explore what powers your vehicle, it is equally important to ensure your four-wheeler is secured by the right car insurance. Let us help you navigate your options with personalised car insurance advice. Simply fill out the form on this page, and our experts will help you choose the right plan, whether it is comprehensive or third-party car insurance tailored to your needs.

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.

How to pay traffic challan in Bhopal?

Have you ever been caught speeding or jumping a red light, which landed you in a pay-a-fine situation? Figuring out how to pay traffic fines quickly and easily is a priority in such a situation. Let’s delve into how to pay the fine for a Bhopal traffic challan.

Pay traffic challan in Bhopal

Paying fines is more convenient and safer than ever. Various payment options, like online or offline, can be used to pay e-Challans in Bhopal. The e-challan portal simplifies checking out breaches of traffic regulations and norms while keeping you compliant with the law. You can also opt to pay via the offline mode. Here are the details about how to pay the fine offline and online.

Steps to pay traffic challan on the e-challan official website

To pay a traffic e-challan online in Bhopal, follow the steps listed below:

• Visit the Parivahan e-Challan Webpage for online payment of Bhopal traffic police challans.
• On entering the Captcha Code, press the "Get Details" option.
• From the list of e-challans displayed, select the pending one to make the payment.
• Pay the amount as displayed on your screen.
• You will get a confirmation email with the transaction ID once the payment is successful. Save it for your records.

Steps to pay traffic challan on the state transport website

Follow this procedure for payment of the e-challan through the Bhopal’s official transport website:

• Log onto the official state transport website.
• Find a section to pay fines for violations.
• Choose to pay the fine for flouting parking rules or other charges for which the challan was issued.
• Select the appropriate link; fill in the requisite information depending on the traffic violation.
• Enter your vehicle and your new registration number, old registration number, or parking ticket (if you know it).
• Make the outstanding payment by Mastercard/Visa card.
• Remember to insert the Captcha Code in the space provided before clicking on 'Submit.'
• Make the payment through this secure page.

Steps to pay Bhopal traffic challans and e-challans offline

Paying the traffic challans and e-challans offline involves:

• Visit the nearest RTO or traffic police station.
• Take the original copy of the e-challan or traffic ticket.
• Provide the necessary information, including the driver’s licence number, car registration number, and personal information.
• Depending on the available options for payment, pay the fine in cash, by cheque, or by DD.
• Print the payment receipt for the record.

Conclusion

Before making an e-challan payment in Bhopal, understanding the steps is crucial. Utilise the available resources to make the payment for traffic challans hassle-free. Additionally, having car insurance coverage provides financial protection and peace of mind on the road, ensuring compliance with legal requirements.

A gearbox, also called transmission, is a mechanical device which transfers power from one part to another. It also regulates speed and torque between car components like a load and a motor.

Simply put, a gearbox is a collection of gears connected to the wheels and shifted to manage speed and torque while driving. The gears are arranged in different patterns to provide various speed levels while maintaining the engine performance.

Due to its constant use, wear and tear can cause various types of gearbox problems. Considering its role in directing power from the engine to the wheels, it is necessary you never overlook them. Understanding what these issues are is essential for timely identification and resolution to maintain the optimal performance of the gearbox.

List Of Common Car Gearbox Problems

Insufficient Acceleration or Throttle Response

This problem leads to a delay in the car's acceleration. This can happen due to a faulty clutch, exhausted plates, worn-out clutch springs or air in the fluid passage.

Transmission Fluid Spillage Under Your Car

Transmission fluid is a bright orange liquid required to lubricate the gearbox. It can spill and accumulate under your car because of excessively high oil levels in the enclosure, damaged oil sealings, loose nuts or bolts or a crack in gear sealing.

Grinding Noise and Buzzing During the Gear Shifts

One of the most common gearbox problems is the shaking and grinding of your car during a gear shift. It can happen due to a dry rear wheel bearing on the main shaft, damaged speedometer drive gears, insufficient lubrication because of worn bearings and shaft, or excessive recoil in a gear train.

Difficulty in Gear Shifting

The car gear can stop working correctly and sometimes, can even get completely stuck. This problem requires immediate attention. The main reasons for this are defective clutch linkage or excessive tough shifter lock spring. This can also occur due to distorted main shaft splines, synchronization errors in automatic transmission, or distorted gear teeth.

Gears Slipping

If your vehicle turns back to its previous gear after a gear shift, it is called a gear slip. The kit usually slips into neutral or lower gear, which can be dangerous. It usually happens due to faulty or exhausted gear and thrashed gear teeth.

Burning Smell

A burning smell can indicate faults in your gearbox. It usually happens due to a shortage or overheating of transmission fluid.

Congested Filter

To maintain clean transmission fluid, it is necessary to have a good filter. A congested filter is clogged up with impurities and can ruin transmission fluid. It happens due to negligence in the service of the filter.

Conclusion

Most of the gearbox problems mentioned above require the replacement or servicing of certain parts of the car, which can be heavy on the pocket. Car insurance comes in handy in situations like this. Getting your car's gearbox regularly serviced is like giving it a check-up, keeping it running smoothly and reducing the chances of big problems. Taking care of your gearbox not only keeps your car performing well but also makes it last longer. So, a combination of regular maintenance and insurance is a smart way to keep your car in good shape without breaking the bank.

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 - 02 Mar 2026

Ever finished a long drive and felt your spine aching? Many drivers frequently experience back discomfort, particularly during long hours on the road. That stiff, aching feeling can sneak up on anyone while stuck in traffic or cruising down the highway.

The good news? A few simple changes to how you sit, drive and set up your car can make a big difference. If driving is a regular part of your day, the 6 tips detailed in this blog will help you stay comfortable and avoid long-term back pain.

Common symptoms of driving-related back pain

Driving is not inherently harmful to your back, but prolonged sitting, poor posture and limited movement can trigger a range of symptoms. Some signs to watch out for include:

• A dull ache in the lower back after a drive
• Tightness or stiffness in the neck or shoulders
• Pain that radiates down the legs (sciatic symptoms)
• Discomfort that gets worse after long stints in traffic

If you notice any of these symptoms regularly, your driving habits or seating setup could be to blame.

How to avoid back pain while driving: 6 pro tips

The following simple methods will help you avoid back pain during long drives:

1. Plan your drive

Even if it is your daily commute to work, take five minutes to plan your drive. Check Google Maps to choose a route with less traffic congestion and remember to skip the roads with potholes and other minor roadblocks, as the jolts emanating from these can lead to back pain.

2. Get comfortable

No matter how late you’re running, take two minutes to adjust your seat, get into a good posture, check the mirrors and get comfortable. If you start driving while being uncomfortable, these minor irritations will grow along the ride.

Get rid of things like your wallet, keys and phone from your back pockets to avoid discomfort with the seating. If consistent attention is paid to minor things like these, it can go a long way to prevent back pain.

3. Ergonomic seating position

A 100-degree angle for the seat is recommended by many. In any case, your seat should be positioned in such a way that you’re sitting straight with a slight recline. Also, make sure to sit close to the wheel because prolonged arm extension tends to exert unnecessary stress on your spine.

4. Take a break

Sitting for prolonged hours stiffens the back muscles, leading to aches and muscle spasms. If you’re driving for more than 30 minutes, make it a habit to take a break. Schedule spots to stop and get out and move around. This movement is much needed for stimulating blood circulation and providing oxygen to your lower back, helping to prevent back pain.

5. Divert your mind

Remember how the doctor would try to engage you in a conversation as a child while you were getting your shots? That’s because diverting your mind from the pain helps with it. A long car drive can seem even longer if you have nothing entertaining you. Divert your mind with the help of audiobooks or podcasts, things you care about or simply listen to music.

6. Get regular exercise

Integrating regular exercise into your schedule is a good way to not just strengthen your back muscles to prevent back pain, but also to keep you fit overall. You can try running, swimming and even resistance training. If your back is really posing problems, you can opt for exercises specific to back muscles and indulge in yoga too.

If you follow these basic, easy-to-incorporate tips, your daily drive will become more comfortable and painless.

Can a back-support accessory really help?

Yes. A lumbar support cushion or backrest helps maintain the natural curve of your spine while driving, reducing pressure on your lower back. It’s especially useful in cars with older or flatter seats that lack ergonomic shaping.

Choose a back support that:

• Is adjustable to suit your height and posture
• Offers firm, even pressure- not too soft
• Can be easily repositioned for long trips

Some newer models even come with heat or massage settings, which can further ease muscle fatigue.

Back-friendly car features to look for

If you are in the market for a new car or simply evaluating your current one, pay attention to features that support spinal health:

1. Adjustable lumbar support – Some cars come with built-in lumbar adjustment, which lets you control the curve of the lower seatback.
2. Height-adjustable seat and steering wheel – Being able to find a comfortable angle reduces slouching and neck strain.
3. Car seat warmer and massager– Heated seats offer therapeutic warmth that supports muscle relaxation while driving in the cold.
4. Cruise control – Takes the stress off your lower back and hips by reducing the need for constant foot pressure on the accelerator.

Conclusion

Driving does not have to take a toll on your body. By paying attention to posture, using helpful back-support tools and adjusting your car environment to suit your needs, you can prevent minor aches from turning into major issues. As you explore tips to prevent back pain, do not forget another essential part of your driving experience- car insurance.

While you plan for the right accessories to support your comfort, let us help you with expert guidance on choosing the right car insurance policy. Fill out the form on this page to get personalised car insurance advice, because your comfort and protection on the road go hand in hand.

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

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.