Updated on 14 Dec 2025

High-Security Registration Plates (HSRP) have become mandatory for most vehicles across India. Understanding what this means for you is important. These plates are designed to prevent vehicle theft and number plate tampering, helping to ensure your vehicle’s security. Additionally, having a compliant HSRP helps you avoid penalties and complications with traffic authorities or insurance claims.

This guide will provide you with essential information about HSRP, its significance and the steps to ensure your vehicle meets the requirements.

What is a high-security registration plate (HSRP)?

A High-Security Registration Plate (HSRP) is a specially designed vehicle number plate introduced by the Ministry of Road Transport & Highways. It is made from durable materials and includes security features such as a tamper-proof snap lock, a hologram and a permanent identification number.

Additionally, it displays a fuel-type colour-coded sticker, making the plate more secure and easier to trace compared to traditional number plates.

Is HSRP mandatory in India?

Yes, HSRP is mandatory in India. According to the Central Motor Vehicle Rules and Ministry of Road Transport & Highways (MoRTH) guidelines, all vehicles must be fitted with an HSRP number plate.

Vehicles registered after a certain date, typically post-2019 in many states, receive HSRP plates by default. Older vehicles are required to be retrofitted with these plates. Enforcement varies by state, but many have been directed to ensure compliance.

Penalties for driving without the high-security registration plate

Having a high-security registration plate along with colour-coded stickers is mandatory for all. Not having an HSRP would be considered a violation and punishable with fines. The fine for not having an HSRP number plate is as follows:

• It can be INR 5000 in some cases where the violation isn't too bad.
• A high-security number plate fine can go up to INR 10000 if the violation is too high.
• Depending on the state and union territory where the violation occurs, the fines can still vary.
• Also, the fines can either go up or down depending upon upcoming reforms and amendments.

Other consequences of not having HSRP

Not having an HSRP number plate can lead to several consequences beyond fines. Vehicle owners may face delays or denial of registration and transfer services at Regional Transport Offices (RTOs). Additionally, traffic authorities may stop or even impound vehicles without compliant plates.

There can also be complications with insurance claims, especially if the number plate does not meet regulatory standards. It is important to check with your insurer to understand specific requirements and avoid potential claim issues.

How to avoid penalties?

To avoid penalties, apply for an HSRP number plate as soon as possible using authorised platforms like BookMyHSRP. Ensure the plate is installed by an authorised vendor with approved materials and snap locks.

Keep all related documents, including proof of HSRP installation and vehicle registration. Avoid delaying the installation to prevent legal issues or fines.

How to apply for a high-security registration plate in India?

To apply for a high-security registration plate in India, visit the authorised BookMyHSRP platform or your state transport authority’s website. Select your state and enter your vehicle registration number, engine number and chassis number.

Choose an installation center or authorised vendor. Pay the applicable fees online through net banking, card or UPI. Finally, book an appointment, visit the center with your vehicle documents and get the plates installed.

Conclusion

Driving without HSRP plates in India not only risks fines and legal trouble but can also complicate insurance claims, leaving you vulnerable in case of accidents. Ensuring your vehicle has a valid HSRP plate is a simple yet crucial step to stay compliant and protect yourself from unnecessary risks.

In addition to staying legally compliant with your number plate, it's equally important to have a valid car insurance policy in place. This policy provides financial coverage in case of accidents, damage or other liabilities.

One commonly chosen cover is the third-party car insurance plan, which specifically helps cover injury or damage caused to others. Together, these measures keep you and your vehicle protected.

If you need guidance on selecting the right insurance policy or understanding the plan that suits your needs best, fill out the form on this page for expert advice.

FAQ

1. Can the penalty amount vary by state?

Yes, penalties for not having an HSRP plate can vary based on the state or union territory. While many states impose a ₹5,000 fine for the first offence and ₹10,000 for repeated violations, it’s best to check with the local transport authority for the exact penalty structure.

2. If my vehicle is new and already has these plates from the manufacturer, do I still need to apply?

No. If your vehicle was registered recently and already comes fitted with a valid HSRP and the appropriate fuel-type colour-coded sticker, you generally don’t need to reapply. However, ensure the plate meets all current state and MoRTH guidelines.

3. Will my insurance claim be rejected if I don’t have HSRP plates?

It depends on the insurer. It's advisable to read your policy documents carefully or check with your insurer for clarity.

4. What should I do if the HSRP gets lost or damaged?

You can apply for a duplicate plate through the official BookMyHSRP portal or an authorised vendor. If it’s lost due to theft, it’s recommended to file an FIR before requesting a 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.

Updated on 10-04-2025

In recent years, the Indian government has implemented several measures to enhance vehicle identification and promote environmental awareness. One such initiative is the introduction of High-Security Registration Plates (HSRP) accompanied by colour-coded stickers. These components not only ensure safer roads but also provide clear indicators of a vehicle's fuel type and compliance with emission norms. This blog discusses the specifics of HSRPs and their associated colour-coded stickers, along with the process of getting an HSRP sticker for your vehicle.

What is an HSRP?

HSRP stands for High-Security Registration Plates incorporating colour stickers. Termed as ‘special,’ these registration plates offer more features than standard ones and boast enhanced security attributes.

What is an HSRP Colour-Coded Sticker?

A colour-coded HSRP sticker has a particular function. It provides vital information on the fuel your vehicles use and the emission standards.

These stickers are affixed to the vehicle's windscreen from the inside and are colour-coded as follows:

• Blue Sticker: Denotes petrol or CNG vehicles
• Orange Sticker: Indicates diesel vehicles
• Green Sticker: Assigned to electric vehicles

Engraving the HSRP always utilises VIN lasers, making it resistant to easy alteration. The HSRP and the colour-coded sticker can cost around INR 1100 and may differ depending on your car’s size and type. 

Is it Mandatory?

Yes, the installation of HSRPs and their corresponding colour-coded stickers has been mandated by the Ministry of Road Transport and Highways (MoRTH) for all vehicles registered prior to April 2019. This aims to standardise vehicle identification and promote environmental consciousness.

At present, the enforcement of this rule is particularly strict in Delhi, Uttar Pradesh, and Himachal Pradesh. Vehicles in these areas found without HSRPs or the appropriate colour-coded stickers are fined. For instance, in Delhi, the traffic police impose a penalty of ₹5,500 on offenders. It is anticipated that other states will adopt similar enforcement measures in the near future.

Where Can You Get the Colour-Coded Stickers Installed?

Vehicle owners can obtain HSRPs and the associated colour-coded stickers through authorised channels. The process varies slightly depending on the state:

• Online Booking: In states like Delhi, Uttar Pradesh, and Himachal Pradesh, owners can book their HSRPs and stickers online via the official portal com. This platform allows users to select their vehicle type, fuel type, and other relevant details to schedule an appointment at a nearby authorised dealer or opt for home delivery, where available.
• Regional Transport Offices (RTOs): Alternatively, vehicle owners can visit their local RTOs to apply for and obtain the HSRP and colour-coded stickers. It's advisable to check with the respective RTO for specific procedures and requirements.

Ensuring that the HSRP and stickers are procured from authorised sources is crucial, as unauthorised plates and stickers may not comply with government standards and could lead to penalties.

What is the Procedure for Installation?

The installation process for HSRPs and colour-coded stickers is straightforward and designed for user convenience:

1. Online Application:

• Visit the official portal bookmyhsrp.com.
• Choose between 'HSRP with Colour Sticker' or 'Only Colour Sticker' based on your vehicle's current status.
• Fill in the required details, including vehicle registration number, chassis number, engine number, and owner information.
• Select your preferred appointment slot and location for getting the HSRP or sticker installed, or opt for home delivery if available.
• Complete the payment process online and save the acknowledgment receipt.

2. Appointment and Installation:

• On the scheduled date, take your vehicle to the chosen dealership or RTO with the necessary documents and the acknowledgment receipt.
• Authorised personnel will affix the HSRP using non-reusable snap locks and apply the colour-coded sticker on the inside of the windscreen.
• Ensure that the details on the HSRP and sticker are accurate before leaving the premises.

It is important to adhere to the scheduled appointment to avoid delays and ensure compliance with the regulations.

Conclusion

Due to their usefulness and availability, colour-coded stickers are becoming more popular. In certain states, such as UP and Delhi, you can use your HSRP through online processes. These will ensure adherence to vehicle regulations while also easing other operational steps like car insurance.

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

How often does the HSRP number plate cost cross your mind? Do not be concerned if you are not aware of this. Let us help you understand the HSRP price. Let us also show how it contributes to safety and compliance with regulations.

High Security Number Plate Price

No vehicle shall be exempt from being installed with an HSRP. The law states as much. Here is a summary of prices, considering the type of vehicle you own.

• For Two-Wheelers:

The HSRP for your two-wheeler costs INR 400. The colour-coded sticker comes for another INR 100.

• For Four-Wheelers:

The HSRP number plate cost for four-wheelers is around INR 1,100. An additional INR 100 will go for the colour sticker.

• Variations Across States:

There could be a minor price difference in the High-Security Number Plate price in different Indian states.

You may have to drive often on the bustling roads of India, which can be anywhere within the country’s vast geographical domain. Have thoughts about legal car number plates ever crossed your mind? The number plate on vehicles is not just a string of decorative characters – it is a legal identifier. Let us understand the rules that govern these essential tags on our vehicles.

Vehicle Number Plate Rules in India

Here is what you need to know about number plates and the law:

• Colour Scheme:

Number plates should display black text on a white background for personal vehicles, including cars and two-wheelers. In contrast, commercial vehicles require black text on a yellow background.

• Size and Font:

Stick to the official size guidelines for both the number plate and the characters. Fancy fonts are not allowed.

• Do Not Add Extras:

Avoid adding decorative elements, images, or personal names to the number plate.

• Placement:

Number plates must be visible on the vehicle's front and rear. You should align the front plate parallel to the handlebar for motorbikes.

Updated on 26 Dec 2025

Every vehicle must have a number plate that stays secure and clear. High Security Registration Plates (HSRPs) aim to make that happen. These plates use the latest security features to make them tamper-proof, thereby preventing fraud.

This blog talks about what HSRP number plates are, why they are important, the rules, penalties and their role in safety and insurance.

What is an HSRP number plate?

An HSRP number plate is a specially made plate fitted with unique security features. It has a laser-etched permanent identification code, includes a chromium hologram and uses a fully pressed snap lock for fitting. The number plate features a reflective film to enhance visibility in low light and utilises a single standard font in a fixed size. These measures make the plate secure and hard to tamper with, as well as ensure uniformity and traceability.

Importance of HSRP number plates for vehicles

HSRP plates enhance a vehicle’s visibility, identity and security through features like holographic logos, laser-etched codes, tamper-proof snap locks and improved durability. These number plates reduce duplication and misuse and support easier vehicle tracking by law enforcement officers. They also improve safety by using highly reflective material that enhances visible at night or in poor weather conditions.

HSRP number plate rules

Here are the guidelines related to HSRP plates:

• Chromium hologram:

HSRPs feature a blue 20mm x 20mm chromium-based Ashoka Chakra hologram at the top left.

• Laser-engraved PIN:

A unique 10-digit Permanent Identification Number is laser-engraved on the lower-left corner.

• Hot-stamped details:

It includes state and district codes and a unique alpha-numeric vehicle identification number.

• Mandatory installation:

HSRPs are required for all vehicles.

• Variation in cost:

Prices differ by state – around INR 400 for two-wheelers and INR 1,100 for four-wheelers, with additional charges for stickers of different colours.

• Tamper-proof design:

Enhances security and traceability.

Penalties for not having an HSRP number plate

Not using an HSRP plate or not following the fitting rules may lead to strict penalties, such as:

• A fine of ₹5,000-₹10,000 may be imposed for non-compliance.
• Authorities may suspend vehicle-related services, such as transfer, re-registration or modifications, for vehicles that continue to be non-compliant.

Role of HSRP in vehicle safety and car insurance claims

An HSRP plate’s tamper-resistant features help in case of accidents, theft or misuse. The permanent code and secure fitting make it easier to trace vehicles and reduce fraud. In the event of an accident or theft, the HSRP's unique features enable authorities to quickly verify vehicle details. These number plates also contribute to better traffic management and pollution monitoring.

When it comes to a car insurance policy, the HSRP number plate helps in efficient claim processing. HSRPs ensure the authenticity of a vehicle, which is important during accident or theft claims to prevent fraud.

Conclusion

HSRP number plates carry important features that ensure safety on the road. These standardised plates help authorities easily identify vehicles for streamlining traffic management and adhering to environmental norms. They prevent fraud and help in tracking stolen vehicles.

While HSRPs give a vehicle an identity, comprehensive car insurance is important for financial protection against accidents, damages and theft.

As you work towards keeping your vehicle safe and compliant, let’s help you choose the right insurance cover for your four-wheeler by completing the form on this page.

FAQs

• Can I keep the HSRP number plate when I sell my car?

HSRP plates belong to the vehicle. When ownership changes, the plate stays with the car, not the seller.

• How long does it usually take to get an HSRP plate after applying?

The waiting period may vary by region, but in most cases it takes between 3 and 7 working days once the order is placed.

• Do HSRP plates have a specific lifespan?

They are designed to last for many years as they use reflective film and aluminium. Replacement is needed only if the plate gets damaged or becomes unreadable.

• What should I do if my HSRP plate gets damaged?

You must apply for a replacement through an authorised centre. A duplicate HSRP will be issued with the same registration details and code.

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.

Car insurance companies use their algorithms based on your personal information and company claim data to determine your policy rates. Knowing what factors affect your premium rates can help you make a more informed decision when purchasing insurance. The rule of thumb is to choose a policy that perfectly balances the coverage amount with the premium amount.

Here are the factors that play a crucial role in determining your car insurance premium:

1. Model of the Vehicle

Insurance companies will charge you a higher premium if you are going to insure your Ferrari. Technically, the insurance premium depends on the value of your vehicle, which is termed as Insured Declared Value (IDV). Besides the model, the vehicle size is also a deciding factor in car insurance premium rates. Big cars like SUVs are generally safer than small cars in accidents. Additionally, large cars with similar safety ratings as small cars have lower premium rates. Engine to body size ratio also impacts premium rates. For example, insurance for a car that comes with a V8 engine costs more than a small car with a V4 engine.

2. Manufacturing and Registration Dates

The manufacturing year and registration date of the vehicle are also taken into account to decide insurance premium rates. So the older the car, the higher the premium you will have to pay. A car is a depreciating asset which means as your car gets older, repair costs increase since spare parts get harder to find.

3. Purpose of the Vehicle

The manufacturing year and registration date of the vehicle are also taken into account to decide insurance premium rates. So the older the car, the higher the premium you will have to pay. A car is a depreciating asset which means as your car gets older, repair costs increase since spare parts get harder to find.

4. Gender & Age

According to statistics, young males are more prone to accidents than female teenagers. So, young men usually incur higher premium rates than young women. The premium rates get stabilized once you reach the age of 25. However, older men generally have cheaper premium rates than women.

5. Marital Status

According to the study, marital status is almost as significant in car insurance premium rates as age and gender. On an average, a married 22-year-old pays lesser premium than a single 20-year-old for the same policy. Premium differences between married and unmarried drivers drop off significantly as they get older. Notably, a marriage will generally qualify you for a healthy discount on your car insurance premium. The important downside is that insurance companies will factor both spouses’ driving records when creating the quote. If the person you marry has multiple accidents or citations, you may end up paying higher premiums.

6. Personal Driving Behavior

If you have been involved in accidents or have made previous claims, the insurance company will infer that you are more likely to make another claim. If you have a bad driving record, the company might even deny you insurance altogether. Other personal details that affect your premium rates include the purposes you use the car for, the distance you drive. You might be able to get a discount on your premiums if you don’t use your car every day for work.

Updated on 24 Dec 2025

In India, you will come across vehicle number plates that come in various colours, and each of them has its own meaning. You might have noticed the red number plates and thought, 'Why are they so different from the regular yellow and black ones?'

It’s because the red number plates are not intended for general use and serve a specific purpose. Once you are familiar with the limitations and rules of these number plates, you can avoid all unwanted issues and confusion.

What is the meaning of red number plates?

The letters and numbers on the plate indicate specific information about the vehicle.

Different types of number plates exist for different transport purposes, such as blue plates for foreign missions and embassies, and plates with upward-pointing arrows for military vehicles.

A red registration plate is assigned for brand-new vehicles. It signifies that the new vehicle is waiting for the permanent registration number.

The RTOs in India are responsible for assigning temporary and permanent numbers for the vehicles being operated in the country. A red number plate signifies a temporary registration number valid for 30 days only. It displays a number in white letters on a red plate.

What are the rules of a red number plate?

The red number plates come with certain rules that you should be aware of:

• These number plates can only be used with the state of registration till all the permanent papers are completed.
• It’s only used till the permanent registration number is issued.
• Driving with a red number plate after it has expired is illegal.
• The red number plate should display all the numbers clearly in white lettering.

What are the limitations of a red number plate?

The red number plates also have the following limitations:

• Vehicles with this number plate cannot be used for commercial reasons.
• It’s not valid for all interstate travel.
• Pollution and car insurance certificates may be required, even with temporary registration.
• Misusing the red number plates can lead to fines and penalties.

Role of car insurance while applying for number plates

Even when the vehicle comes with a temporary number plate, it's crucial to have valid vehicle insurance. The insurance policy provides protection against all unforeseen costs in the event of damage, theft or accident.

Furthermore, having comprehensive car insurance is compulsory under Indian law. When you apply for permanent registration, proof of insurance is usually needed.

Conclusion

The red number plates are temporary registration number plates for all the new vehicles. This means they are only provided for short-term use. You should always follow the rules and then shift to a permanent number plate within the given timeframe. That way, you can avoid all unwanted issues.

Additionally, if you want to protect your vehicle financially, we can help you with that. Fill out the form on this page to get personalised vehicle insurance advice and solutions. 

FAQs

• How long are the red number plates valid?

The red number plates remain valid for one month from the date of issue.

• Is it possible to travel to another state with the red number plate?

No. You will need a valid number plate to visit a different state. The red number plates are only valid within the state where they are registered.

• Do vehicle owners need insurance for their red plate vehicle?

Yes. Insurance is compulsory by law even for temporary registration.

• What happens when vehicle owners use the red number plate after expiry?

Using a red number plate after its expiry can result in penalties and fines.

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.

In the labyrinth of India’s diverse vehicular landscape, the ‘White Number Plate’ is a ubiquitous identifier, symbolic of the countless vehicles traversing the nation’s roads. Join us as we delve into the intricacies of the white number plate in India, unravelling its significance in the nation’s transport infrastructure and its role in maintaining order on the roads.

White Number Plate

Let’s explore the interesting details hidden in the simplicity of the number plate white.

1. The white number plate is the most prevalent type of registration plate in India.
2. All private or non-commercial vehicles, including two- and four-wheelers, display white number plates.
3. A vehicle with a white license plate and black lettering indicates it is designated for private or personal use only.
4. Vehicles bearing white registration plates are prohibited from transporting goods or carrying passengers, emphasising their exclusivity for personal transportation. 

Under the Motor Vehicles Act, securing four-wheeler insurance is mandatory for car owners in India. However, delving deeper, does the landscape of car insurance hold distinct implications for married couples? In this blog, uncover the nuances and benefits unique to ‘car insurance for married couples.’

Driving Together: Navigating Car Insurance for Married Couples

The average car insurance cost for married couples in India typically ranges from INR 10,000 to INR 30,000. When considering car insurance for married couples, here are some key points to be aware of:

1. Opting for joint policies can result in significant cost savings, effectively reducing married couples’ average car insurance cost.
2. Married couples with more than one car can benefit from multi-car discounts. Insurers often provide discounts when multiple vehicles are insured under a single policy.
3. Insurance companies perceive married couples as lower-risk drivers than singles. This lower risk perception often translates into reduced car insurance premium rates.
4. Assess your coverage requirements together. Comprehensive and third-party liability coverage costs can vary from one state to another. For instance, in Maharashtra, comprehensive coverage may cost around INR 19,500, while in Karnataka, it could be around INR 18,800.
5. A strong combined credit history as a married couple can positively influence your insurance rates.
6. It’s important to regularly review and update your policy to reflect changes in driving habits or personal circumstances. This ensures that your coverage remains relevant and aligned with your current needs.

The key is pivotal for manual or electronic car operation. While car insurance is common, insuring keys is rare. Replacement ease varies; manual keys are simple, but remote-operated keys pose challenges. Losing a key, especially with keyless entry, demands strategic solutions to regain access. This blog presents solutions to an unlikely but potentially nerve-wracking scenario—what to do if you lose your car keys.

Things to do if your key is lost

In case you are unable to find your car keys, here are some things you can do-

1. Thoroughly search for the keys: 

Check every nook and cranny. Start by searching all places before jumping to conclusions. Sometimes, keys are misplaced in one room while we search in another.

2. Notify your insurance company:

Immediately inform your insurance company in writing about the missing car keys. This step is crucial, especially considering the increased risk of vehicle theft when a key is lost. Report it to avoid claim rejection if theft occurs.

3. Use spare keys:

Spare keys are a lifesaver during a crisis. When the main key goes missing, they come to the rescue. If you’re away from home, consider moving the car to a location and retrieving spare keys to gain access to it.

If you need a spare, carefully consider what type of replacement key you require. Whether it is a transponder key, key with FOB, or smart key, make an informed decision to avoid future occurrences.

4. Avoid using other keys:

Using non-original keys may void the car manufacturer’s warranty. While locksmiths’ keys might temporarily unlock the car, it’s not advisable due to the theft risk. Improper use of unauthorised keys can also damage the car’s lock.

5. File a police report:

It is essential to inform the police and file a First Information Report (FIR) in case of lost vehicle keys. Be sure to report the incident to the police, noting the time and location. Share the FIR with your four-wheeler insurance company if you need to make any theft-related claims.

Adhere to these steps to adeptly address the challenges accompanying the loss of car keys and mitigate risks associated with such incidents.

Types of car keys

Understanding your car key type is essential, as it determines the replacement process and cost of replacement. Here are five common types:

1. Mechanical keys:
• These are traditional keys used in older vehicles without electronic components.
• Replacement: Easily duplicated by locksmiths due to their simple design.
2. Transponder keys:
• They are equipped with a microchip that communicates with the vehicle's Electronic Control Unit (ECU) to start the engine.
• Replacement: Requires programming; a specialised locksmith or dealership can assist.
3. Remote keys:
• They are mechanical keys with a remote control to lock/unlock doors.
• Replacement: Involves both key cutting and remote programming.
4. Flip or switchblade keys:
• The keys can be folded into a fob, offering a compact design.
• Replacement: Similar to transponder keys, both cutting and programming are needed.
5. Smart keys:
• They allow keyless entry and engine start, commonly used in modern vehicles.
• Replacement: Must be obtained and programmed through the dealership.

What to do when there is no spare set?

If you've lost your only car key and don't have a spare, follow these steps:

1. Contact a professional locksmith: Many locksmiths specialise in car key replacement and can create a new key on-site. Ensure they have experience with your specific key type.
2. Reach out to your dealership: Dealerships can provide a replacement key; however, this option may be more time-consuming and expensive.
3. Check your insurance policy: Review your car insurance policy to see if it includes key replacement coverage. If so, your insurer may cover part or all of the replacement cost.
4. Consider roadside assistance services: If you have a roadside assistance plan, they might offer services for lost or broken car keys, including towing your vehicle to a safe location.

Conclusion 

Losing your car keys can be quite stressful. Approaching it in a manner often leads to resolution. From retracing your steps to seeking assistance from a locksmith, these steps will help you regain control and get back on the road quickly.

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 24 Dec 2025

Purchasing a new vehicle is exciting, but before you take it home, you need to complete one crucial step: a PDI (pre-delivery inspection). This method ensures that your new vehicle is free from all defects and is in excellent condition, just as promised by the car dealer.

Many vehicle buyers avoid this step, but doing so might lead to issues later on. With a thorough checklist in hand, you can ensure that the vehicle is ready to hit the road.

What is a pre-delivery inspection (PDI)?

The pre-delivery inspection is a complete check that is carried out before the vehicle is delivered to you. The inspection involves checking both the interior and exterior sections of the car. The inspection also ensures that all functions are working appropriately.  That way, you will not end up with a vehicle that has defects.

Essential steps to ensure your new car hits the road in prime condition

Now that you know what a vehicle PDI is, the question arises: What will you check in your new car? Here are some of the essential components of your car PDI checklist that you can’t afford to miss.

Check the exterior body panel of your car for any dents or scratches. Other considerations while seeing the exterior are:

• The bonnet, boot lid, doors, remote key lock, windscreen, window glasses, blinkers and wiper blades should operate smoothly.
• See whether the spare tyre and the wheels are unused. The tyres should have adequate tread and inflation pressure. Also, the alignment of the wheels should be correct.
• The paint on the car should be even on the entire body panel.

Once you are satisfied with the exteriors, check the interiors.

• Inspect the dashboard for any cracks or malfunctioning elements.
• Seats and door pads should be stain-free.
• Ensure that the seat belt adjustments and steering wheel function efficiently.
• Brake pads should be effective.
• Don’t forget to check the numbers on the odometer. The reading on it should be below 100 KM.

Thereafter, move on to inspecting the electrical components installed in the car.

• Check whether the cooling system in the car works properly.
• AC vents should be dust-free.
• Scrutinise the ports, control buttons and the entire music system.
• The lighting peripherals, such as indicators, fog lights, headlights and interior lights, should be efficient.
• Test the horn as well.

Next comes the engine, the heart of your car and the fluid levels.

• In the bonnet of your car, look for signs of any oil spill or dust in the engine bay.
• See if the terminals of the battery are rust-free.
• Use a dipstick to gauge the fluid level.
• The coolant level should be as per the manufacturer’s guidelines.

Finally, it's time for a test drive. While you drive the car, assure yourself that the accelerator, brakes, clutch and gears work efficiently. Also, take the handover of duplicate keys from the dealer.

What is included in the exterior inspection checklist?

The following things are included in the exterior inspection:

• Checking the locks, glass and mirrors for damage.
• Wipers, indicators and headlights must function perfectly.
• The tyres should be new and must not have any cuts or cracks.
• The body panels should be completely scratch-free.

What is included in the interior & functional checks?

The interior and functional inspection covers several aspects. Upholstery, dashboard and seats should be clean and free from any damage. The jack, spare tyre and toolkit must be provided along with other essentials. All warning indicators, lights and the horn should be tested to confirm proper functioning. Power windows, the infotainment system and air conditioning should also work smoothly.

Importance of having car insurance when doing a pre-delivery inspection

Right before you take the vehicle for its first drive, it needs a proper car insurance policy. An insurance safeguards you from financial losses against unexpected damage, theft or accidents. Moreover, having the right policy offers added peace of mind.

Conclusion

A pre-delivery inspection is not just a formality, but a right every buyer has. Following a proper checklist can help confirm that the vehicle is delivered in good condition and free from hidden problems. When combined with a suitable insurance plan, it can make the driving experience more enjoyable. Furthermore, for tailored solutions and advice on the no-claim bonus in car insurance, or to explore the right policy, fill out the form available on this page.

FAQs

• What is the main purpose of a PDI?

The primary purpose of a PDI is to ensure the vehicle has no defects and is ready for use.

• Who conducts the PDI?

The dealer typically conducts the PDI, but the buyer must also verify it from their end.

• Is it possible to refuse the delivery when defects are found?

Yes. You can request the dealer to fix all the problems before making the delivery.

• Is the insurance policy mandatory before taking delivery?

Yes. You should have insurance in place, as it's compulsory by law, and it helps protect the vehicle from the very first day.

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.

Many of us need to be more proactive about regularly servicing our cars. Postponing maintenance work may lead to breakdowns or defects. Surprisingly, only about 70% of car owners choose corrective maintenance over preventive maintenance, which can be risky. Regular car servicing is the most dependable method of discovering issues that may turn into ugly defects.

The Importance of Regular Car Servicing

• Enhances the life of the vehicle:

   A qualified professional inspects the vehicle during periodic servicing and undertakes necessary repair or replacement work. If skipped, it could lead to more problems, making different parts of the vehicle malfunction. Consequently, getting regular check-ups enhances the life of the vehicle overall. 

• Improves on-road performance:

  A car’s on-road performance declines over time from the wear and tear of components. The repair, refurbishment, and replacement work during regular car servicing helps restore the car’s performance by many notches. Thus, regular vehicle servicing is critical for overall on-road performance.

• Safety aspects:

  Imagine a situation where you apply the brakes, and a tyre suddenly bursts. Such incidents can be fatal. However, if the car has already been checked, the technicians at the service centre will inspect the tyres and point out any discrepancies, thus preventing accidents. Therefore, regular servicing improves the overall safety of the car.

• Ensures fuel efficiency:

  The wear and tear of components and accessories and other similar issues can affect the mileage output of your car. In turn, your car will have a lower fuel efficiency compared to the initial days. Periodic servicing is beneficial in reinstating fuel efficiency. It also saves you money when fuel prices are skyrocketing.

• Engine health monitoring:

  Regular servicing is vital for engine health monitoring. The technicians will visually inspect the engine and undertake a functional inspection to ascertain the condition.

• Increases resale value:

  The effect of proper car servicing will be evident from the vehicle's appearance as well as performance. A prospective buyer will check the vehicle with the help of an experienced technician before proceeding with the deal. A properly maintained vehicle will have better resale value than a non-maintained one. 

• Functioning of electrical components and indicators:

  You may have observed the frequent failure of warning lamps, irregularity in indicator functioning, etc., after using your vehicle for a prolonged period without maintenance. This may turn troublesome during trips, especially long drives. Imagine you get a false engine low-oil warning from an electric malfunction. The warning will put you in panic mode and take away all the enjoyment from the trip. Regular car servicing will save you from such ordeals.

Planning a long road trip and apprehensive of something going wrong with the car? Worry not, for we have put up a detailed list of all the things that must be taken care of. Once you are done ticking every area on the list below, you are more than ready to enjoy your memorable road trip.

Here is how you should undertake a car check before a long drive.

Pre-Trip Check: Ensuring a Smooth Ride Before Your Long Drive

• Get your car serviced on time:

  During road trips, breakdowns can occur more than once. To avoid such let-downs, get your vehicle serviced regularly. Choose a reputed and reliable servicing centre for the task. Also, don't push the serviceman into "haste" mode, as they may leave several areas unattended. Impatience with the servicing will reduce its efficacy and adversely affect your vehicle.

• Check the fuel meter:

  Always remember to check the fuel meter while driving. Your car must always have fuel to last at least another 50 km. 

• Check tyres:

  When checking the tyres, you need to be mindful of two aspects: tyre pressure and tread. Ensure the tyres are not over or underinflated, as this can lead to premature wear, a bumpy ride, overheating, or even a blowout. Meanwhile, your tyres will wear out quickly if the treads are not deep enough.

• Check the brakes, headlights, and horns:

  No matter where you are going, you must get the brakes, headlights, and horns appropriately checked. If any of these parts aren't working right, fix them before your road trip. If the headlights aren't bright enough, replace them instead of trying to fix them.

• Exhaust system:

  A faulty exhaust system can mitigate power, raise fuel consumption, and improperly ventilate the toxic gases emitted by the engine. Any hissing and popping sounds mean the exhaust system needs to be checked. If the car is over five years old and you are planning a road trip, consider getting its exhaust system serviced by professionals.

• Air filters:

  Another critical part to check is your vehicle's air filters. These filters prevent dust and dirt from entering your vehicle and damaging the engine and fuel supply system. A clean air filter will guarantee a smooth journey.

• Front and rear windshield washers:

  Check if the front and rear windshield washer jets spray water evenly. If not, get them adjusted immediately.

• Take a test drive:

  Finally, take a test drive a day before your road trip. Be sure that your car is ready as you are for this road trip.

Vehicle theft is arguably one of the fastest growing crimes in India. As per a report published by The Hindu, a total number of 44,158 cases of vehicle theft were reported last year in Delhi alone. The report also mentioned that only 19.6 percent of these cases were solved by the police, which means that most of the missing vehicles could not be traced.

According to the experts and police authorities, inadequate parking space in residential areas and the reluctance of vehicle owners to spend too much on anti-theft devices have contributed to this growing menace. While a major portion of these stolen vehicles consisted of bikes and two-wheelers, an increasing number of cars and trucks are also being snitched by the swindlers.

What’s the way out?

To address this raging issue of vehicle theft in India, many tech companies are coming up with innovative products that can help both, the vehicle owner and the police personnel to trace the automobile after it is stolen.

For example, a South Africa-based company – Recoveri – has introduced a smart modern technology called ‘MicroDot’ which can be highly useful for identifying and tracing the lost vehicles and other valuables, for that matter.

What exactly is the ‘MicroDot technology’?

‘MicroDot’ is a very effective technology that can be used for the marking of whole vehicle body. It involves spraying of millions of very small laser dots etched with the ‘Vehicle Identification Number’ (VIN) throughout the body of the vehicle.

These polymer dots, which are less than even 1 mm in size, are very difficult to detect with the naked eye and can be seen only through a microscope under the ultraviolet or black light.

How can this technology act as an ‘Anti-Theft Deterrent’?

MicroDot technology is a state-of-the-art identification system that can act as a robust anti-theft security system for vehicles around the world. It involves the diffusion of polyster substrate dots containing the unique information related to the identification of the car or two-wheeler.

Most of the auto manufacturers have started using this technology to mark the vehicle body with a unique VIN in order to enhance its security. These micro dots can be added to the vehicle even after its purchase, the only difference being the aftermarket system will use the owner’s Personal Identification Number (PIN) rather than the vehicle’s VIN.

These dots, once spattered uniformly over the vehicle body, are almost impossible to remove completely as they are less than even 1 mm in diameter. It means that in case a vehicle gets lost or stolen, the police authorities can easily trace and identify it by scanning the information stored in these micro dots present on the vehicle body.

Besides the cars and two-wheelers, ‘MicroDot’ technology can also be used to secure expensive equipment, tools, gadgets, and household items such as mobile phones, laptops, luggage, jewellery etc.

To increase the penetration of this theft deterrent technology in India, Recoveri is planning to invest 10 million dollars in order to set-up authorised MicroDot fitment centres across the country.

Updated on - 04 Feb 2026

Buying a new vehicle is always an exciting moment. But before you take it home, there is one important step you should not skip: the Pre-Delivery Inspection (PDI). A PDI is a detailed check carried out before the vehicle is handed over to you. It makes sure that everything is in perfect working order, and you get what you have paid for. Here is everything you need to know about PDI.

Importance of pre-delivery inspection

Vehicles travel from the factory to storage yards and then to the showroom, potentially picking up dust, scratches or minor damages. A PDI ensures the vehicle is safe, clean and free from defects, and that all promised features and accessories are present. Skipping PDI may result in problems that could have been noticed earlier.

What does a pre-delivery inspection include?

Pre-delivery inspection entails an examination of the interior and exterior, along with the mechanical and electrical components of the car. Make sure you are satisfied with the optimal functioning of the following features in the car, such as:

• Door locks and power windows
• Bonnet
• Boot lid
• Dirt- and rust-free engine bay
• Tyre tread
• Original Equipment Manufacturer (OEM) toolkit
• Windscreen and window glass
• Quality of the dashboard
• Damage-free seats, door pads and AC vents
• Proper functioning of seat belts and seat adjustment controls
• Freely moving steering wheel.

Common mistakes customers make during PDI

 Some common mistakes are:

• Inspecting in poor lighting.
• Ignoring small scratches or dents.
• Not verifying documents carefully.
• Forgetting to check spare keys, tool kit or manuals.
• Not asking questions when something is unclear.

Difference between pre-delivery inspection and post-delivery service

Here's the major difference between the two:

Who is responsible for PDI – dealer or customer?

The dealer is primarily responsible for conducting the PDI, checking the vehicle’s exterior, features and documents. However, the customer should also inspect the vehicle carefully to ensure nothing is missed.

Tips for a smooth pre-delivery inspection experience

Below are a few tips for a smooth PDI experience:

• Inspect in daylight and take your time.

• Carry a checklist and a knowledgeable friend if possible.

• Verify all accessories, documents and vehicle features.

• Do not sign delivery papers until fully satisfied.

Moreover, start planning for comprehensive car insurance to get protection throughout your ownership journey.

Step-by-step pre-delivery inspection checklist

Here is a PDI checklist you can follow during your inspection:

• Exterior: Paint, tyres, mirrors, lights, wipers.

• Interior: Seats, dashboard, controls, infotainment.

• Engine bay: Fluids, battery, belts.

• Documents: Invoice, insurance, registration, VIN/engine number.

• Accessories: Tool kit, spare tyre, jack, mats, manuals and warranty booklet.

• Mechanical Test: Engine start, horn, lights, AC.

Conclusion

A pre-delivery inspection is not just a formality, but your right as a customer. You can make sure your investment is safe and stress-free. At the same time, remember that protecting your car doesn’t end with the inspection. Accidents, damages or unexpected repairs can happen anytime. For simple, tailored advice on choosing the best car insurance online for your needs, fill in the form provided on this page.

FAQs

1. How long does a PDI take?

A pre-delivery inspection usually takes between 30 minutes and an hour.

2. Can I refuse delivery if I find issues?

Yes, you can. You have the right to ask the dealer to fix them before you accept delivery.

3. Do I need a mechanic with me?

It is not necessary. However, if you are unsure about certain checks, bringing a knowledgeable person can help.

4. Is PDI free of cost?

Yes, a PDI is included in the purchase.

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.

Related Articles:

Pre-Delivery Inspection Checklist For Your Car

What Is a Car Inspection?

New Ride Ready: Your Pre-Delivery Inspection Checklist

Self-Inspection Video For Car Insurance Renewal: Step Guide

Tyre Inspection: Tips for Safety

Updated on 10 Dec 2025

Driving on Indian highways can be exciting, but it also comes with challenges like fast-moving traffic, heavy vehicles, and sudden diversions. Following basic safety rules, like keeping a steady speed, using indicators when necessary, and staying alert, can make your journey safer and smoother.

In this blog, you will learn the tips for driving confidently and responsibly on a highway in India and the importance of the four-wheeler insurance.

Driving tips for indian highways

Driving on a highway is an altogether different kind of experience. Here are some highway driving tips in India that you will find handy to lean on and to ensure a smooth driving experience.

• Maintain speed:

Always try to drive at a consistent speed. Doing so contributes to a smooth traffic flow and ensures a safer driving experience on Indian highways.

• Stick to one lane:

When driving on an Indian highway, do not jump lanes frequently and always stick to a designated lane. This little manoeuvre streamlines traffic flow and minimises the risk of collision.

• Keep a safe distance:

Maintaining a safe distance from the vehicle in front allows for better reaction time and helps avoid potential accidents.

• Avoid driving late at night:

Late-night driving has risks and challenges, mostly from poor visibility and heavy vehicles! It is best to drive during the day to ensure safer navigation.

• Don’t overtake:

Overtaking isn’t cool! Avoid manoeuvres that pose enormous risks and choose to drive with patience on an Indian highway.

Legal highway regulations to know of

When driving on highways in India, it’s important to follow the basic rules set by traffic authorities. Always carry a valid driving licence, vehicle registration, insurance papers, and a pollution under control (PUC) certificate. Speed limits are marked, and you must follow them to avoid fines or accidents.

It is mandatory to wear seat belts for passengers and drivers. Overtaking should only be done from the right side after using the indicator. Drunk driving, using a mobile phone without a hands-free device, and rash driving are strictly banned. By following these simple rules, you stay safe and avoid any legal troubles.

Pre-drive safety checklist

Before starting any trip, it’s important to check a few things to ensure your safety on the road. Make sure your fuel tank has enough fuel for the journey, and check that your brakes, lights, and indicators are working properly. Look at your tyres to see if they have enough air and are not worn out. Adjust your mirrors and seat for clear visibility and comfort. Always carry your driving licence, car documents, and insurance papers. By following this simple pre-drive safety checklist, you can reduce risks and enjoy a smoother and safer drive.

Importance of having car insurance while driving on a highway

It is very important to have insurance when driving on a highway because it helps to cover the expenses caused by unexpected situations or accidents. Highways usually have fast-moving vehicles, which increases the risk of collision or damage. With valid car insurance, you can get coverage for the cost of repairs, medical bills, or even third-party damages, which will reduce the financial stress on you. It also ensures that you are following the laws, as driving without insurance is illegal in India. With no claim bonus in car insurance, you can also get the premium amount back for that policy year.

Conclusion

Driving on highways in India can be safe and comfortable if you follow some simple rules. Always keep a steady speed, maintain a distance from other vehicles, and use signals whenever you change lanes. Stay alert for sudden turns, animals, or slow vehicles, as highways often have mixed traffic.

By driving carefully, staying cautious, and investing in good car insurance, you can enjoy a smooth journey and reach your destination without stress, knowing that you are financially safe. You can fill out the form on this page and get help from an expert to learn about car insurance options that fit your needs.

FAQs

• Can we drive safely on Indian highways?

Yes, you can drive safely if you follow the basic rules properly, such as maintaining a safe speed and staying alert. Most accidents happen when drivers are careless or distracted.

• What is the speed to be maintained on the Highway of India?

Maintain a speed limit of 80-100km/h as indicated on the highway, and always be careful while overtaking any vehicle.

•  How can accidents be avoided?

To avoid accidents, keep enough distance from other vehicles and use indicators when you are changing lanes. And, to prevent a collision, you must always be extra careful while driving.

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.m>

The roads are silent witnesses to the way all sorts of drivers operate, each with a unique set of driving behaviours. Amidst all these are certain factors, including road safety issues and insurance, which differentiate high-risk drivers from their low-risk counterparts. This blog briefly discusses the key characteristics of high-risk drivers, including their need for high-risk insurance.

First, let’s understand which category of drivers fall under the high-risk driver category. A high-risk driver is someone more likely to be involved in accidents and vehicle insurance claims. Various factors contribute to this categorisation of drivers, including demographic and behavioural aspects.

Insights Into Characteristics That Affect Your Driving Profile

Age:

One of the common factors that defines high-risk drivers is age. While older people can be categorised as high-risk given their potential health issues, lack of experience prompts this profiling for younger people.

Claim history:

When an individual has a long history of insurance claims, regardless of reason and fault, they may be profiled as high-risk drivers. Insurance companies assess past incidents to interpret the likelihood of future claims a driver will likely make.

Location:

A driver’s physical location can also help determine the risk. A driver’s physical location can also help determine the risk. Since urban areas are prone to more accidents, the risk profile of drivers dwelling in such regions gets impacted by the high traffic levels.

Marital status:

Surprising as it may seem, the marital status of a driver can help profile them as high- or low-risk. Married individuals are perceived as more likely to be responsible, which also accounts for lower insurance premiums, unlike their single counterparts.

Tips to Become a Low-risk Driver:

• Beware of potential road hazards. Stay proactive and maintain a safe distance.

• Adhere to permissible speed limits and drive as per road conditions.

• Avoid distractions such as making phone calls, texting, etc.

• Ensure your vehicle is in the optimum condition. Perform regular check-ups to prevent breakdown risks.

• Adhere to traffic rules, including signals and signs.

• Say no to driving under the influence of alcohol or drugs.

• Be careful when parking your vehicle to avoid collisions.

• Stay up-to-date with traffic rules and safety guidelines.

Insurers decide insurance premiums according to the risk profiling of car insurance applicants. High-risk car insurance can shoot up premiums, but what is high-risk car insurance, and how do insurance companies measure the risk element?

Let us understand the nuances in the following passages.

High-Risk Car Insurance

Some insurers may consider your insurance application a high-risk insurance case after assessing the following factors;

• A history of frequent claims can put you in a high-risk zone and inflate your premium amount.
• Young people (30-35) are less experienced drivers, which may trigger higher premiums.
• Some locations fall into high-risk zones, given the high incidence of thefts and accidents. Car owners from such areas may need to pay higher premiums for high-risk car insurance.
• Some insurance companies consider unmarried people high-risk insurance candidates compared to married people who enjoy lower premium car insurance policy. The logic supporting this view is that married people are financially stable and responsible drivers.

Car insurance policies are mandatory for every vehicle owner in India. It keeps them protected from various financial burdens, damage, etc. However, did you know that the type of vehicle you own can have an impact on the insurance premium? In this blog, you will gain a deep insight into the average price of a car insurance policy based on the vehicle type.

Understanding how your vehicle type impacts car insurance cost?

Car insurance rates vary by vehicle type in the following ways:

• Sedans are recognisable by their widespread use and are considered safer and more stable, with relatively low premiums. Third-party liability insurance costs are between INR 5,000/- and INR 10,000/-, and comprehensive coverage costs are between INR 10,000/- and INR 20,000/-.
• SUVs are known for their durability; therefore, their premiums—from INR 7,000/- to INR 15,000/- for third-party and INR 15,000/- to INR 30,000/- for comprehensive coverage—are higher, given the apparent risks involved.
• Popular for being the most reasonably priced, hatchbacks have the cheapest premiums, ranging from INR 4,000/- to INR 8,000/- for third-party and from INR 7,000/- to INR 15,000/- for comprehensive coverage.
• Luxury automobiles are expensive; hence, they command hefty premiums that range from INR 8,000/- to INR 18,000/- for third-party liability and INR 10,000/- to INR 25,000/- for comprehensive coverage.

Yet another type of car insurance is available, called temporary VIN insurance or chassis number insurance. This type facilitates you to buy the necessary insurance to register your vehicle, following which you can apply for permanent insurance. This insurance type is typically applicable for imported or custom-built cars.

Factors that influence car insurance cost

Apart from the vehicle, several other aspects can have a massive effect on the cost of the vehicle policy in India. This includes the following:

• The car’s model and age
• Age and gender of the owner
• Engine size (cubic capacity)
• Fuel type (electric/diesel/petrol)
• Location of registration
• Claim history
• Type of insurance coverage (comprehensive or third-party)
• Add-ons, such as roadside assistance, zero depreciation, etc.

Breakdown of premium components

In India, comprehensive car insurance premiums generally include 18% GST, a mandatory third-party premium and an own-damage premium covering the insured vehicle. Optional add-ons like engine protection or zero depreciation may raise the cost. However, discounts such as No Claim Bonus (NCB) and other offers can reduce the final premium.

How vehicle type affects risk profile

Faster and larger vehicles are viewed as higher risk by insurance firms. For instance, a luxury sedan or an SUV is more expensive to repair and is more likely to be damaged or stolen. This increases the risk for insurance firms, so they charge more. On the other hand, a small electric or hatchback has lower repair costs and might be considered much safer, which leads to lower premiums.

Cost difference by fuel type

Fuel type plays a role in determining vehicle insurance costs. Petrol vehicles normally have lower premiums. Diesel vehicles usually cost more to insure because of their higher engine capacity.

Electric vehicles generally have higher insurance premiums due to their expensive components, especially the battery. However, they may qualify for special discounts under government policies.

How to reduce your insurance premium

When you want to lower the insurance premium, the following tips will help:

• Pick a higher voluntary deductible
• Install all the anti-theft devices
• Avoid frequent or small claims
• Compare the insurance policies online
• Renew the policy on time to avoid penalties
• Drive safely to earn NCB (No Claim Bonus)

Conclusion

Your vehicle type plays a massive role in determining the car insurance premium. Whether you have a premium SUV or a simple hatchback, knowing how insurance costs are calculated can help you make wise financial decisions. To explore your options and receive tailored advice, fill out the form on this page and get expert support for choosing the right car insurance online.

FAQs

• Does the vehicle’s shade affect the insurance premium?

No. In India, a car’s colour will not have an impact on the insurance premium.

• What is NCB (No Claim Bonus)?

NCB is a discount provided for not making any claims during a policy year. It can go up to 50% over time.

• Is it possible to transfer an online policy to a new vehicle?

Yes. You can easily transfer your current insurance policy to your new car by informing the insurer and updating the vehicle information.

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.

When buying four wheeler insurance, age, gender, and other factors are considered. The following passage explores how car insurance prices vary by age and the reasons behind such variance.

Let’s explore this interesting subject further.

Understanding How Age Impacts Car Insurance Premiums

Car insurance rates by age usually remain high during young age and low in senior years. You may wonder why we must pay higher premiums at a young age and lower as our hair turns grey. Let us understand the reasons in the subsequent passages.

• Research says people at a young age, say in their 20s, are more open to taking unnecessary driving risks, causal driving with friends or partners, rash driving under the influence of alcohol or other intoxicants, etc. The ratio of accidents is higher among younger people compared to their senior counterparts.
• Insurance companies inflate car insurance prices by age after considering risk factors. Prominent risk factors among young people are lack of skills and experience, neglect of wearing seat belts, getting distracted while driving, speeding, and low adherence to traffic rules.
• These characteristics among people in their 20s and early 30s put them into the high-risk category and affect car insurance approval and premiums.
• Let us come to senior people. Most insurance companies offer affordable car insurance products for experienced people in their 40s and 50s. Married people with driving experience are less likely to get into accidents; they are expected to be more responsible drivers and abide by traffic rules on the road.
• These factors make senior people low-risk car insurance applicants, and insurers charge lower premiums. However, the premium might shoot up again at more advanced ages, such as 65 and above, because of age-related issues.
• To sum up, insurance companies offer high-premium four-wheeler insurance to people between 18 and 25 years and starts decreasing after 25 years. Those in their 40s and 50s get the best car insurance products. People in the late 60s get counted in the high-risk category again, and the premiums shoot up.

For example, the premium for a 16-year-old driver can be as high as 16% at INR 4,000. This rate goes down as the driver’s age increases; at 22 years, the premium more than halves to 7% to settle at INR 3,000.