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.

Functioning, deployment and usage of the safety feature

Airbags are a common safety feature in cars around the world. Their purpose is to help the passenger in the car reduce their speed in collision without being injured. An airbag has a restricted amount of time to act in the interval when the car hits the obstacle in front and the passenger strikes the steering wheel.

How Do Airbags Work

When a moderate to severe crash occurs, a signal is sent from the air bag system’s electronic control unit to the inflator within the airbag module. Due to this, an igniter or initiator in the inflator starts a chemical reaction to produce a harmless gas, which inflates the airbag in a heartbeat or 1/20th of a second to be exact.

Reasons for Airbag Deployment

An airbag should deploy in every crash where it can help prevent an injury. It is primarily designed to avert head, neck and chest injuries that you would otherwise suffer in its absence. This means that, hypothetically, a frontal air bag should deploy in case of an accident where you can injure your head hitting the steering wheel.

Since the severity of a crash depends upon the speed of the vehicle and the impact of the crash, airbags are designed to be deployed after a certain speed limit during an impact.

Incidents that range from moderate to severe crashes, and involve the front bumper or corners of your vehicle should expect an airbag deployment.

Updated on - 13 Feb 2026

Car insurance is mandatory in India as per the Motor Vehicles Act. With the increase in car sales, many insurers are offering lucrative insurance covers, spoiling the customer with choices. Insurance coverage for one year is mandatory when a new car is purchased. Post one year, it is the car owner’s responsibility to renew the insurance cover.

Most car owners prefer to continue with their original insurer and don’t bother to take a second look at the other, more beneficial and cheaper options, available in the marketplace. Sparing a few minutes before renewing your car insurance can yield great savings in the long term.

Importance of renewing car insurance on time

Renewing your car insurance policy on time helps avoid a penalty and ensures uninterrupted protection and financial savings. Here is why timely renewal matters:

• Avoid a lapse in coverage: A lapsed policy means your car is uninsured, making you legally and financially vulnerable.
• Protect your no-claim bonus (NCB): Timely renewal ensures you retain your accumulated NCB discount, which can significantly reduce premiums.
• No need for fresh vehicle inspection: A delay of renewal beyond the grace period may require a physical inspection by the insurer, adding hassle and potential costs.
• Legal compliance: Driving without valid insurance is a punishable offense in India.

Factors that affect your car insurance premium

Understanding what goes into calculating your premium is the first step in saving money. Several variables play a role:

• Type of insurance: Comprehensive car insurance offers broader protection compared to third-party plans but comes at a higher cost.
• Vehicle details: Age, model, fuel type and engine capacity affect the Insured Declared Value (IDV), influencing your premium.
• Geographical zone: Premiums differ based on where you register your vehicle; high-traffic urban areas usually attract higher premiums.
• Driving history: A clean, claim-free record helps you earn NCB discounts, lowering renewal costs.
• Add-ons and voluntary deductibles: Add-on covers increase premiums, while a higher deductible can bring them down.

Tips to save money while renewing car insurance

Here are a few aspects that you must look into before renewing your car insurance to save money.

• Car insurance policy comparison

Most people might be tempted to just go with their current insurance policy, as that seems to be the most convenient and hassle-free way to get things done quickly. However, there is also the possibility that the insurer has made revisions to the terms and premium calculations.

It is always better to browse through the premiums charged by other providers. This is not a time-consuming process as there are hundreds of websites available that let users compare different car insurance policies online. A little research on your end can save you valuable money over the period of coverage.

• Value of your vehicle

A little calculation of the current value of your car, taking into account the depreciation factor, can save you a lot of money on your premiums. Once the depreciated value of the car is known, it only takes a little negotiation with your insurance agent to gain big on premiums.

• No claim bonus

No claim bonuses (NCBs) are awarded to policyholders who do not make a claim in the preceding year. Claiming this bonus before renewing your policy can result in lower premiums for the next year. It doesn’t matter whether your insurer is the same or different, as NCBs are transferable from insurer to insurer. Over the years, NCB can lower the premium amount by as much as 50%.

• Understand the features

It is highly recommended to go through the features of the car insurance policy you’re renewing. In doing this, you might come across features that were offered last year but are no longer present this year. You may also see features that you don’t need this year and there might be some you want to add this year. Going through such details helps you get only those benefits you want, at a price that does justice to your wallet too.

• Avoid policy expiration

Renewing your policy beforehand is always beneficial. Experts have recommended renewing the policy at least 45 days before it expires. This ensures that you enjoy the benefits of coverage without a break and also saves you from a hike in prices that may occur later on.

Role of online car insurance renewals in saving money

Renewing your car insurance online is not only convenient but also cost-effective. Here's how it helps:

• Access to discounts: Many insurers offer exclusive discounts for online renewals.
• Transparent comparison: Easily compare multiple policies in one place to find the best deal.
• Lower operational costs: No middlemen or agents means reduced overheads, resulting in cheaper premiums.
• Quick and paperless process: Save time and avoid documentation hassles with seamless digital renewals.

Understanding add-ons: which ones are worth paying for?

Add-ons enhance your coverage, but choosing the right ones is crucial to avoid overspending. Some worthwhile options include:

• Zero depreciation cover: Highly recommended for cars under 5 years old, this ensures full claim without depreciation deduction.
• Engine protection: Beneficial if you live in flood-prone or waterlogged areas.
• Roadside assistance: Useful for frequent highway drivers, offering services like towing and on-site repairs.
• Return to invoice: Covers the full invoice value in case of total loss or theft, ideal for new cars.

Evaluate your car’s age, usage and location before selecting any add-ons with your comprehensive car insurance plan.

Importance of reviewing policy terms before renewal

Many people ignore reviewing the policy and end up with irrelevant coverage or missed savings opportunities. Here’s what to review:

• Coverage scope: Make sure your current plan still aligns with your needs.
• Changes in IDV: Adjust your vehicle’s IDV if needed to reflect accurate market value.
• Add-on suitability: Remove unnecessary riders to cut costs.
• Exclusions and inclusions: Understanding them can prevent surprises during claims.

Conclusion

Renewing your car insurance does not have to be a burdensome or expensive task. With a little research, timely action, and the right tools, you can save a substantial amount on your premium while ensuring robust protection. From leveraging your NCB to opting for only essential add-ons, each choice matters. Embrace the convenience of online renewals, review your policy carefully and drive with confidence, knowing you’ve made a smart and cost-effective decision.

FAQs

1. Can I switch insurers during car insurance renewal?

Yes. You are free to switch insurance providers at renewal time to get better coverage or pricing.

2. Does renewing online offer the same benefits as offline?

Yes, and often more. Online renewals may include discounts, faster processing and easier comparisons.

3. How much NCB can I get at renewal?

Depending on your claim-free history, it is possible to get a 50% discount at the time of renewal.

4. What happens in case I miss the policy renewal date?

You risk a policy lapse, NCB loss and possible legal consequences. Always renew before expiry.

5. Is comprehensive car insurance better than third-party?

Yes, if you want to protect your vehicle from theft, accidents, fire or natural disasters, you must opt for comprehensive insurance.

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.

Relocating to a new city or state in India involves several responsibilities, and updating your car insurance is one of them. This step is often overlooked, but failing to make the necessary changes can lead to complications, especially when it comes to filing a claim. Here's everything you need to know about handling your car insurance during a move.

Impact of relocation on insurance premiums

Your car insurance premium can change when you move to a new place. This is because premiums are partly based on the area where you live.

The country is divided into two different zones for insurance purposes:

• Zone A: Big metro cities like Mumbai, Delhi, Bengaluru, Chennai, Pune, Kolkata, Hyderabad and Ahmedabad.
• Zones B: All other cities in the country.

If you are moving from a metro city to a smaller town, your premium may go down. On the other hand, if you are moving to a busier or more accident-prone area, your premium may increase.

Should you cancel or continue the existing policy?

If you already have an active car insurance policy, there’s no need to cancel it. Insurance companies allow you to transfer the existing policy to your new address.

To do this, you simply need to inform your insurer about the move, provide proof of your new address and update your vehicle registration. Some insurers may charge a small fee for these changes, and your premium might be revised based on the risk profile of your new location.

Only cancel your existing policy if you are unhappy with the current insurer, you find a better deal with another company or your current insurer does not operate in your new state.

Also, if you have earned a no claim bonus in car insurance, continuing the same policy helps you keep that discount when you renew.

Re-registration of vehicle in a new state: Step-by-step guide

When you move to a new state and plan to live there for more than 12 months, you must re-register your vehicle. Here's how:

• Step 1: Get a No Objection Certificate (NOC) from your current RTO (Regional Transport Office).
• Step 2: Transport your car to the new city. Carry important documents such as the NOC and original RC (Registration Certificate).
• Step 3: Apply for registration under the new state’s laws using Forms 29 and 30, along with documents like the NOC, RC, insurance certificate, PUC (Pollution Under Control) and vehicle chassis imprint.
• Step 4: Pay the road tax in the new state.
• Step 5: Authorities will verify the vehicle and documents to ensure everything is in order.
• Step 6: After approval, you will get a new registration number. Install new number plates and keep your updated RC with you.
• Step 7: Update insurance records with your new registration number.

Online tools for insurance address and policy update

Most insurance providers now offer digital services through their official websites or mobile apps, allowing policyholders to update personal details such as residential address, phone number or email ID without visiting a branch.

To make changes, you typically need to log in using your policy number or registered mobile number, navigate to the profile or service request section and upload valid proof of the new address, such as an Aadhaar card or utility bill. Once submitted, the update is usually processed within a few working days.

How relocation affects the claims process

If you shift to a new city and don’t update your insurance details, it can cause problems when filing a claim.

Possible issues include:

• Claim rejection: Wrong address or registration number may lead to claim denial.
• Delayed processing: Extra verification will be needed if your details are not up to date.
• Local tie-ups: Some insurers have better service networks in certain cities. If your insurer has fewer garages or agents in the new city, your experience might be affected.

Conclusion

When relocating, your car insurance policy should be one of the first things you update. Inform your insurer, update your address, and if needed, re-register your vehicle.

As you focus on settling into your new home, let us help you take care of your car insurance needs. Simply fill out the form on this page to receive personalised guidance and ensure your coverage stays updated.

FAQs

• Can I continue using my current car insurance after moving to another city?

Yes, you can continue using it, but you must update your address and vehicle registration if required.

• Will my premium change after moving?

It might. Your new area may have higher or lower insurance rates depending on the location.

• Is re-registration of the vehicle always needed?

Only if you move to a new state and plan to stay there for more than 12 months.

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.

Reduce the risk of death and injury from an accident with seat belts and air bags

Driving on Indian roads is a skill. You not only have to pay attention to what is in front of you but also to what is on your left, right, and back. This is further compounded by factors such as wrong turns, wrong-way driving, changing lanes without indicators, driving on high beam, over speeding and so on.

The statistics from the Ministry of Road Transport and Highways on road accidents in India are alarming. In 2015 alone, more than 5 lakh accidents occurred, which resulted in 1,46,000 people losing their lives. This means that on a daily basis, a whopping 1,374 accidents take place and 400 people lose their lives.

How Safe are Our Cars?

For a country, which is expected to become the third largest car market in the world by 2020, the safety standards of our cars are beyond dismal. New Car Assessment Program (NCAP), an independent assessment firm considered as the foremost authority worldwide in crash testing and road safety, has tested some of the best-selling cars in the Indian market.

The results from the tests are far from good. Out of a total five star ratings, many of the base models (those not equipped with Anti-lock Braking System (ABS) and airbags) have received zero stars with respect to adult protection. Getting zero stars means that the car is unfit to be on road and is a hazard to its occupants and others on the road.

How Do Airbags and Seatbelts Protect You?

Most car manufacturers in India do not offer basic safety features such as ABS and airbags. Airbags are necessary for car safety as they provide a cushion for the occupants in case of a collision, preventing them from grievous harm. ABS on the other hand, enables steering to function even in the case of emergency braking, by preventing the wheels from locking up.

Seatbelts although are present in all cars, yet more consumer awareness towards safety is required. Occupants need to make use of them to remain safe during an accident. Studies done overseas have shown that airbags coupled with seatbelts reduce the risk of fatality in serious accidents by 13%.

Comprehending how car insurance companies determine premiums may confuse the ordinary man. Auto insurance companies calculate your risk or the likelihood of what you will claim on your policy using various pricing criteria. Your rates for auto insurance will be better if the perceived risk is negligible. The following section aims to give readers an overview of how four-wheeler insurance rates are determined and what affects car insurance costs.

Insights Into Variables that Shape Your Car Insurance Premiums

The following are some critical factors that affect average car insurance costs:

• Vehicle type and model:

The car's date of manufacture and model are significant factors when determining insurance costs. The cost of maintaining luxury and high-end cars is higher, as they require costlier maintenance and new parts. Meanwhile, older and less powerful vehicles typically have lower insurance premiums, providing more affordable options for those seeking coverage. 

• Age and gender of the driver:

Age and gender are essential factors in determining the complex formula for insurance rates. Younger and less experienced drivers have higher rates because they are statistically more likely to be involved in accidents. 

• Location and city-specific rates:

Premium calculations become more complex with geographic location, particularly in busy cities with high accident rates. Prices in cities are highly influenced by regional variables such as theft probability, overall weather conditions, and traffic congestion levels. The geographic factor underscores the importance insurers accord to various risk environments when determining premiums, and policyholders must understand this.

• Claim history and driving record:

Driving history is one of the most important factors when determining the premium. Individuals with a perfect record and who have never been involved in claims or accidents are eligible for lower rates. Contrarily, a history of numerous allegations and accidents results in higher insurance prices. 

• Optional coverage and deductibles:

Selecting the appropriate coverage and deductibles becomes another important consideration when choosing an insurance plan. The price of complete or comprehensive coverage—including personal damage and third-party responsibility—is more than that of only third-party liability. 

• No-Claim Bonus (NCB):

The No-Claim Bonus (NCB) initiative is a preemptive strategy to encourage and compensate careful drivers. Policyholders may enjoy reduced rates if they choose not to file claims, promoting safe driving habits. The yearly percentage increase in the NCB constantly reminds policyholders to keep driving safely and without incidents.

NCB (No Claim Bonus) - Keep a Clean Record

What better incentive can you, as an owner, deserve for driving your car without meeting with an accident? NCB is awarded to the owner of the vehicle for 'No Claims' in the preceding policy years.

The value of the discount depends upon the insurance claims you have made in that particular year.

Avoid Policy Lapses

Renew your policy in a timely manner. Insurance companies usually levy a fine on insurance renewals made after the due date, and it might reflect on your premium amount. In case the delay is beyond the grace period, you may lose out on the NCB as well.

Policy lapse involves the risk of driving your car illegally on the road that can result in hefty fines. In case of an accident, you might have to pay for the damages out of your own pocket. These incidents can also lead to higher policy premiums once you reinstate your car insurance.

Pick Your Riders Diligently

Insurance companies offer a number of add-ons or riders that cover the minutest of the problems that you, as a car owner, could suffer. These range from arranging for duplicate keys, and fuel delivery to spare parts replacement and engine protector cover. Such add-ons, normally are not covered under the policy but can be bought at an additional price. Avoid selecting blindly; choose and pay only the add-ons that you really need.

Best of the Features, Best of the Deals

If your car has the best of security features like anti-theft tools, engine cut-off systems etc., you are in a great position to negotiate a competitive price for the premiums.

Voluntary Deductibles

Avoid claiming for minor damages like scratches, small dents, etc. as availing attractive discounts on the premium is a more prudent choice than opting for small claims.

Finally, your driving history is considered to be one of the top factors that any insurance company looks at; it can have a huge impact on your insurance premiums. Typically, insurance companies look for records of violations during the last five years. Hence, drive smart and pay less!

Drive Safely

Voluntary deductible is an amount that you, as a car owner, can pay in the event of a claim. While compulsory deductible is as per the policy terms, voluntary deductible can be fixed during policy renewals. The higher the deductible amount, the lesser would be the premium and vice versa. You can also take help of various Car Insurance Premium Calculators present online to calculate your premium instantly.

Many may not know this fact, but it has been observed that men pay comparatively higher insurance premiums than most women. This is not an instance of gender inequality but a clear indicator that women drive more responsibly than most men. Men are often found guilty of rash and drunken driving, while we hardly hear about women being involved in such cases.

Women Planning to Buy Car Insurance

This is one reason we often hear of cheap car insurance for women. Subsequent sections discuss the benefits women receive in car insurance and how all that is possible.

For every woman who is willing to buy car insurance and is seriously looking for an insurer, the following points will be helpful to keep in mind:

• Basics:

Knowing the basics is better before settling on a choice. Regarding the protection of your vehicle, you must be clear that third-party insurance is mandated by law for all vehicles. This insurance will cover any harm caused to an outsider/pedestrian because of your faulty driving. Third-party insurance also covers damage caused to their property by your vehicle.

• Understanding your requirements:

The key to getting car insurance for women is understanding your requirements. If you need to drive your vehicle daily and have a new vehicle, then opting for full-fledged vehicle insurance or comprehensive insurance would be better. Third-party insurance would be better if you have an older car and hardly drive around town.

• Research:

You can conduct online research about the car insurance policies various insurance companies offer. Doing so would help you find the correct and suitable policy for your needs.

• Picking up add-ons:

Add-ons have recently become fundamental. They are more minor insurance policies that enhance the effects of your primary insurance policy. It is similar to adding more facilities to your existing policy and developing it further. It is similar to adding more facilities to your existing policy and developing it further. 

• Why car insurance:

Car insurance should never be considered a burden or a liability. It's more of an investment that will come to your aid in times of financial duress. It will cover your losses adequately and ensure you remain stress-free all the time.

• Buying car insurance: Now, you are good to go after all your research and gaining knowledge about the basics of buying car insurance and its importance. You can purchase the car insurance that suits your needs and provides perfect protection.

Fundamental riders for every car owner

You may be the most reliable driver on earth, but that does not mean you don’t require a motor insurance. Various unpredictable factors such as calamities, road quality, behaviour of other drivers, crimes, etc. can affect the safety of your vehicle. In such cases, your car insurance may fall short. Hence, car insurance riders or add-ons are needed to extend coverage and protection for your car.

With so many riders, it is important to understand that not all of them are necessary, especially if it won’t be used. Why pay premium for cover you didn’t need in the first place?

The following types of add-on covers should be ideally bought by responsible car owners. It effectively protects you and your car, and minimizes the risk of liability.

Add-On Covers That Are Important

• Personal accident rider

If a personal accident cover is not already attached to your base plan, it is highly recommended that you purchase this add-on.

According to a World Road Statistics 2015 released by International Road Federation, Geneva, India has the second highest number of road accident fatalities per 1,00,000 population. Another report ‘Roads Accidents in India – 2015’ released in June by the Ministry discloses that, number of accidents recorded by car/taxis/vans/light and medium vehicles is 17.2%, coming in second after two wheelers.

Hence, such a rider is necessary to navigate the complex and unregulated roads of India. It offers coverage for accidental death, temporary partial disability, and permanent partial/total disability.

• Ambulance and medical expenses rider

This add-on covers the cost of medical care and ambulance charges in case you or your passengers or other involved party meet with an accident. It compensates you for these expenses up to a certain limit.

• Engine hydrostatic cover

This add-on is best suited for Indian car owners and is vital part of motor insurance. Indian monsoons can create havoc on car engines. Such hydrostatic cover offers coverage for damages to your engine due to leakage of oil, water stalling, etc. The insurer will pay the engine repair costs under this rider.

• Road assistance and towing rider

RSA rider is saviour in event of an accident or vehicle breakdown in middle of the road. Insurers offer this assistance 24x7 for fuel refuelling, flat tyre change, battery jumpstart, etc. All you need to do is call your insurer for the assistance to be dispatched.

• Zero depreciation cover

When you claim insurance on your car, you will get a depreciated value of the vehicle. Hence, the claim you receive will never be the full amount. With zero depreciation rider, you can claim the full amount excluding the depreciation, thus saving at least 30-40% of losses. However, this cover recommended only for new cars.

• Vehicle Replacement

Vehicle Replacement add-on is crucial if your car is damaged beyond repairs due to an accident or theft. In such cases, usually insurer will declare it as total loss and the claim you receive will be less than market value, which is insufficient. This rider offers coverage for an equivalent car replacement and protects you against such losses.

Rather than cancelling ‘junk portions’ of your insurance or buying fancy riders – that won’t be utilised – these add-ons will give you a healthy coverage that enhances the utility of your car insurance. They are fundamental and offer better coverage. Check your policy wordings before signing, to find the perfect companion for your car insurance.

Things you need to check out before leaving the showroom with a new car

Whether it's the first car in your family or a new addition to your garage, buying a new car is always an exhilarating process. The excitement of acquiring the keys of a new set of wheels often rushes buyers through the sign-off process. But, before leaving the showroom, it is important to thoroughly inspect your car for any damage.

A new car might have a manufacturing defect which will not be visible unless a close inspection is carried out. Often dealers use new cars as demo cars by removing the odometer, making them susceptible to wear and tear. And not to forget, there may be defects arising during transportation from the dockyard to the showroom as well.

Here is a list of crucial issues that must be checked before leaving the showroom with your new car:

Prior Registration

It is recommended to visit the dealership stockyard before registration and check the month and year of manufacturing. Once the car gets registered in your name, there is nothing much that you can do.

Ask your car dealer for Form 22 issued by the manufacturer. It has all the details about the engine, chassis, manufacturing, etc. Many dealerships overcharge their customers for various taxes, look out and avoid paying extra.

Preparation

Confirm the date of delivery and ask the dealership if your car is ready before visiting the dealership. Visit the showroom in broad daylight as the night may conceal certain defects.

Carry all the necessary documents including credit card or cash if any payment formalities are to be completed. It is a good idea to ask a friend or family member to accompany you for their observations and suggestions.

At the Showroom

While at the showroom, thoroughly examine the car for any signs of damage. Begin with the exteriors and look for any dents, dimples or scrapes. Check for any re-paint or repair job that has been carried out hastily.

Look out for the interiors, check out the dashboard, seats, door pads and the overall finish. Check for floor carpets, seat belts and various dashboard controls. Start the engine and check the air conditioner for its cooling.

See if all the lights are operating fine. Look out for the tread of tyres, they should be adequate without any signs of wear. The exhaust must not emit black fumes and the engine must not vibrate excessively.

Final Inspection

Once you have inspected the car thoroughly:

• Ask the salesperson to give you a demonstration of different features of the car
• Take your car for a test drive and check its steering and manoeuvrability.
• Drive over different surfaces to identify any engineering fault.
• Accelerate hard to test the pickup and check the braking.
• Visit the service department and get familiarised with service centre facilities.

Once you see everything is perfect, complete the documentation formalities. Take a copy of all receipts, sales certificates and other documents. Take owner manuals, duplicate keys, warranty papers and roadside assistance contact details. Finally, opt for a comprehensive car insurance policy with at least a year of coverage and zero depreciation coverage to get the best value for your money.

The modifications made to your car have a direct effect on the insurance premium

You must have thought of equipping your car with those flashy headlights, robust alloy wheels and sporty spoilers. The thought of bigger turbochargers could have tempted you to improve your car’s performance and speed. A modification can be a great way to personalize your car and improve its performance. But, here are some things that need to be taken into account.

Tell Your Insurer About The Modifications

If you are contemplating pushing up your car’s oomph factor, there are few obligations to consider when it comes to your car insurance. From engine upgrades to fresh paint and stickers, always inform your insurer about the modifications made to the car. If you fail to declare any alterations to the car, it could result in rejection of your insurance claim.

How Modifications Affect Insurance Premiums?

Insurance companies provide a cover from risk and damages to your car. When you modify a car, it may result in increased or decreased chances of risk to the car. Hence, the insurance premium on your car may also rise or fall depending upon the modifications.

For example, if you install a turbocharger to your naturally aspirated engine, it may increase the speed. Which means higher chances of risk or accident and hence an increase in the insurance premium. Whereas, installing safety devices like parking sensors may decrease the cost of premium as it reduces the risk of collision while reversing the car.

What Are The Possible Modifications That Car Insurers Must Know?

• Engine modification: These modifications enhance power and speed, and hence increase the risk. Therefore, they can hike your car insurance premium.
• Wheel modification: Replacement of your car wheels may enhance the look and wheel upgrade may upturn the car’s value.
• Bodywork: Any modifications like bonnet bulges, bigger wings, extended spoilers, tinted windows or additional lights may increase the premium cost.
• Brakes and suspension: It is a critical safety component of the car, and are assessed by the insurance company before calculating premium.
• Car interior: Any changes to seat upholstery, steering wheels, pedals or sound systems may alter the premium depending on the quality.
• Paintwork: Specialized body paint or any stripes or designs on the car may change its appearance and hence may increase its value.

Before getting any modification done to your vehicle, make sure to inform your insurer as it will enable them to evaluate the premium cost and ensure your claim is not rejected in the event of an accident.