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.

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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%.