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  • Types of car wiper blades

    by mohit bohra | Apr 21, 2025

    Choosing the right wiper blade can make a significant impact on driving comfort, visibility, and your car’s appearance. Wiper blades are sometimes neglected when it comes to auto maintenance, but it’s prudent to make them a part of car check-ups, especially during the rainy season. There are different kinds of wiper blades that have different characteristics, and picking the correct kind can make your driving experience safer and more enjoyable.

    Let's explore the various types of car wipers to determine which one best meets your requirements.

    Different types of car wiper blades explained

    There are three main windscreen wiper types: hybrid, flat, and conventional. Each has a distinct design, benefits, and limitations.

    1. Conventional Windscreen Wipers

    Conventional wiper blades were once standard for almost every car and have been used for decades. They are made up of a metal frame or metal-plastic composite that has several pressure points to help distribute force across the windscreen.

    Features & Benefits:

    The following are the benefits of conventional wipers:

    • The frame has four to eight pressure points thanks to articulated links and a central bridge.
    • Spring flexors guarantee consistent pressure on the glass for efficient cleaning.
    • It is possible to add more spoilers for improved performance and aerodynamics.
    • There are many different sizes available (10" to 28").
    • Affordable and readily interchangeable.

    Downsides:

    Its disadvantages are:

    • Prone to streaks due to an uneven distribution of pressure.
    • Reduced aerodynamics, causing wind lift at high speeds.
    • Bulky design that partially blocks the driver's view.
    • Tend to degrade faster as compared to newer designs. It requires frequent replacements.
    1. Flat Windscreen Wipers (Beam Blades)

    Beam blades, sometimes referred to as flat wiper blades, are the new standard in modern cars. These blades, in contrast to traditional wipers, are made of tensioned metal strips embedded in the rubber structure rather than a metal frame, allowing for a flatter, more aerodynamic profile.

    Flat wipers are an excellent investment for anyone wishing to improve visibility and comfort while driving because of their exceptional performance, particularly in severe weather.

    Features & Benefits:

    The benefits of flat wipers are:

    • Designed to increase aerodynamics with a full-length integrated spoiler.
    • Lowes drag and wind noise, improving the overall driving experience.
    • Better windscreen contouring, providing even pressure, and enhanced wiping performance.
    • Improved materials and fewer moving parts for a longer lifespan.

    Downsides:

    Its disadvantages are:

    • More expensive than standard wipers.
    • Older cars aren't always compatible unless you use adapter kits.
    1. Hybrid Windscreen Wipers

    Hybrid wipers combine the advantages of flat and conventional wipers. Similar to flat wipers, they have a sleek, aerodynamic frame but include a strong metal subframe for increased durability and wiping effectiveness.

    Features & Benefits:

    The advantages of hybrid wipers are:

    • Integrated spoilers reduce wind lift, guaranteeing continuous contact with the windscreen.
    • Provides silent, smooth wiping even at high speeds.
    • The sturdy metal subframe from traditional wipers is retained for increased durability.
    • Enhances performance in heavy rain and snow, and reduces streaking by adapting well to various windscreen shapes.

    Downsides:

    Its disadvantages are:

    • More expensive than flat and traditional wipers.
    • Not as readily available as conventional wipers.
    • They’re ideal for drivers who desire the longevity of traditional wipers combined with the cutting-edge aerodynamics and efficiency of flat wipers.

    Choosing the right wiper blade for your car

    Here are some factors you must consider while selecting a car wiper:

    1. Weather Conditions

    If you live in an area with heavy rain or snow, hybrid or flat wipers are better suited due to their improved aerodynamics and pressure distribution. Conventional wipers work well in mild climates with occasional rain.

    1. Vehicle Compatibility

    Most modern cars come equipped with flat wipers, but if your car originally had conventional wipers, you might need adapters to switch to flat or hybrid ones. Check your car manual or talk to a professional before upgrading.

    1. Budget

    Conventional wipers are the most budget-friendly option. Flat wipers offer mid-range pricing but come with better durability. Hybrid wipers are the most expensive, but they offer top-tier performance.

    How frequently should your wiper blades be replaced?

    Wiper blades need replacement every six to twelve months, though this can vary based on your driving circumstances and the local climate. The following indicators point to the need for a replacement:

    1. Streaking or skipping: The rubber in your wipers may be worn out if they leave streaks or miss spots.
    2. Squeaking or chattering: Noisy wipers are a sign that the rubber is degrading or hardening.
    3. Damage or visible cracks: Check the rubber blade for any tears or cracks.
    4. Inadequate contact with windscreen: The wipers' efficacy is weakened if they lift off quickly.

    Conclusion

    To ensure safe driving and clear vision, keeping your wiper blade in good condition is crucial. Whether navigating the smog-filled streets of Delhi, the dusty summer winds of Rajasthan, or the torrential downpours of Kerala, the right wiper blade will ensure clear visibility.

    Besides choosing the right wiper, you need to take certain measures to ensure you are protected in unexpected situations. For stress-free driving, invest in car insurance to protect you from unexpected damages, accidents, repair costs, theft and other emergencies. A good policy also covers third-party liability, which can financially protect you from hefty expenses.


    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.

  • Best Sedan Cars Under 10 Lakhs in India: Compare Models

    by Almog Ramrajkar | Apr 21, 2025

    In India, compact sedans are becoming increasingly popular, offering a perfect blend of comfort, practicality, and affordability.

    We've curated the best sedans under 10 lakhs, each packed with impressive features and specifications. Whether you prioritise style, fuel efficiency, or advanced technology, there’s a compact sedan on this list that meets your requirements.

    List Of Sedan Cars Under 10 Lakh In India

    The following are the best sedan cars under 10 lakhs :

    1. Honda Amaze

    The Honda Amaze is a stylish and highly popular compact sedan, with its base variant starting at around Rs. 8 lakhs. Known for its spacious cabin, smooth ride, and impressive fuel efficiency, the Amaze is a top choice for many car enthusiasts. Available in both petrol and diesel engine options, it offers versatility to suit various driving preferences. With its muscular design and sleek exterior, the Honda Amaze stands out as one of the best sedans under 10 lakhs.

    Honda Amaze Variant

    Transmission

    Ex-Showroom Price (Approx.)

    Honda Amaze V 1.2 Petrol MT

    1199 cc, Petrol, Manual

    Rs. 8,04,000

    Amaze VX 1.2 Petrol MT

    1199 cc, Petrol, Manual

    Rs. 9,14,000

    Amaze V 1.2 Petrol CVT

    1199 cc, Petrol, Automatic (CVT)

    Rs. 9,24,000

    Honda Amaze ZX 1.2 Petrol MT

    1199 cc, Petrol, Manual

    Rs. 9,74,000

    Amaze VX 1.2 Petrol CVT

    1199 cc, Petrol, Automatic (CVT)

    Rs. 10,04,000

    Amaze ZX 1.2 Petrol CVT

    1199 cc, Petrol, Automatic (CVT)

    Rs. 10,94,000

    The Honda Amaze also offers a CVT automatic option with a petrol engine. Additionally, the higher mileage provided by all its variants is a noteworthy factor for buyers.

    1. Hyundai Aura

    The Hyundai Aura is known for its sleek design, comfortable ride, and smooth performance. The price of this compact sedan starts at approximately Rs. 6.54 lakh. It comes with a variety of features, including a touchscreen infotainment system, automatic climate control, cruise control, and a sunroof. It also offers good ground clearance, making it suitable for different driving conditions.

    Hyundai Aura Variants

    Transmission

    Ex-Showroom Price (Approx)

    Aura E 1.2 Petrol

    1197 cc, Petrol, Manual

    Rs. 6,54,000

    Aura S 1.2 Petrol

    1197 cc, Petrol, Manual

    Rs. 7,38,000

    Aura E 1.2 CNG

    1197 cc, CNG, Manual

    Rs. 7,55,000

    Aura SX 1.2 Petrol

    1197 cc, Petrol, Manual

    Rs. 8,15,000

    Aura S 1.2 CNG

    1197 cc, CNG, Manual

    Rs. 8,37,000

    Aura SX (O) 1.2 Petrol

    1197 cc, Petrol, Manual

    Rs. 8,71,000

    Aura SX Plus 1.2 AMT Petrol

    1197 cc, Petrol, Automatic (AMT)

    Rs. 8,95,000

    Aura SX 1.2 CNG

    1197 cc, CNG, Manual

    Rs. 9,11,000

     

    1. Tata Tigor

    Starting at just Rs. 6 lakh (approx.), the Tata Tigor is one of the most affordable and best sedan cars under 10 lakhs. With a 4-star safety NCAP rating, 2 airbags, and a ground clearance of 170mm, it is the first choice for many individuals who want a safe and rugged vehicle. If you are looking for a safe choice for your family, this is the car for you.

    Tata Tigor Variants

    Transmission

    Ex-Showroom Price (Approx.)

    Tigor XM

    1199 cc, Petrol, Manual

    Rs. 6,00,000

    Tigor XT

    1199 cc, Petrol, Manual

    Rs. 6,70,000

    Tigor XTA

    1199 cc, Petrol, Automatic (AMT)

    Rs. 7,25,000

    Tigor XZ

    1199 cc, Petrol, Manual

    Rs. 7,30,000

    Tigor XT iCNG

    1199 cc, CNG, Manual

    Rs. 7,70,000

    Tigor XZA

    1199 cc, Petrol, Automatic (AMT)

    Rs. 7,85,000

    Tigor XZ Plus

    1199 cc, Petrol, Manual, 19.2 kmpl

    Rs. 7,90,000

    Tigor XZ iCNG

    1199 cc, CNG, Manual

    Rs. 8,30,000

    Tigor XZA Plus

    1199 cc, Petrol, Automatic (AMT)

    Rs. 8,45,000

    Tigor XZ Plus LUX

    1199 cc, Petrol, Manual, 19.2 kmpl

    Rs. 8,50,000

    Tigor XZA iCNG

    1199 cc, CNG, Automatic (AMT)

    Rs. 8,85,000

    Tigor XZ Plus iCNG

    1199 cc, CNG, Manual

    Rs. 8,90,000

    Tigor XZA Plus iCNG

    1199 cc, CNG, Manual

    Rs. 9,45,000

    1. Maruti Dzire

    The Maruti Dzire is one of the most popular compact sedans in India. It offers excellent ride quality along with ample boot space. The sedan's pricing starts at approximately Rs. 6.7 lakh. The Dzire has long been a favourite car model among Indian audiences, known for its timeless design and modern features.

    Maruti Dzire Variants

    Transmission

    Ex-Showroom Price (Approx.)

    Dzire LXi

    1197 cc, Petrol, Manual

    Rs. 6,79,000

    Dzire VXi

    1197 cc, Petrol, Manual

    Rs. 7,79,000

    Dzire VXi AMT

    1197 cc, Petrol, Automatic (AMT)

    Rs. 8,24,000

    Dzire VXi CNG

    1197 cc, CNG, Manual

    Rs. 8,74,000

    Dzire ZXi

    1197 cc, Petrol, Manual

    Rs. 8,89,000

    Dzire ZXi AMT

    1197 cc, Petrol, Automatic (AMT)

    Rs. 9,34,000

    Dzire ZXi Plus

    1197 cc, Petrol, Manual

    Rs. 9,69,000

    Dzire ZXi CNG

    1197 cc, CNG, Manual

    Rs. 9,84,000

    Dzire ZXi Plus AMT

    1197 cc, Petrol, Automatic (AMT)

    Rs. 10,14,000

     

    Conclusion

    Many car brands now offer new and exciting features at affordable price ranges. With rapid advancements in the affordable car segment, we can expect to see more cars launched in the 10-lakh price segment.

    No matter the car you choose, it's advisable to secure your investment with a comprehensive car insurance policy. A tailored plan offers financial coverage in the event of an accident, damage, loss and more, allowing you to enjoy your compact sedan for longer. You can now also browse car insurance online to select the best policy.


     

    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. 

  • Tips to clean car AC vents

    by Tanmay Ahuja | Apr 21, 2025

    Keeping your car's AC vents clean is essential for maintaining fresh air quality and ensuring efficient cooling, especially during the scorching summer months. Over time, dust and debris accumulate in the vents, reducing airflow and causing unpleasant odors inside your cabin. Luckily, cleaning your AC vents doesn’t have to be a hassle—all you need are the right tools and techniques to keep your car’s interior fresh and comfortable.

    This blog will teach how to clean car air vents, ensuring a fresh and comfortable driving experience.

    Ways to clean car AC vents

    By following this simple, step-by-step process, you can effectively get rid of dust or debris stuck in air vents. Let's get started.

    1. Gather the essentials

    Before you begin cleaning, make sure you have all the cleaning essentials. You'll need:

    • A tiny vacuum cleaner with a small hose
    • A cleaning solution (you can make it at home using vinegar and baking soda)
    • A sponge or a microfibre cloth and a dry towel
    • An old toothbrush,
    • A screwdriver
    1. Remove vent covers and vacuum the dust

    Once you have all the essentials, start cleaning by removing the vent covers using a screwdriver. You can use an old toothbrush to loosen the rigid dust and dirt particles. Insert the vacuum cleaner's hose into the vent and turn it on to suction out the debris and dust. Ensure that you don't leave any dents or scratches while cleaning.

    1. Start cleaning

    Apply the cleaning solution on a sponge or a microfibre cloth and clean the vents. The sponge will remove dust and grime from the AC vents.

    Be careful while cleaning; no liquid or cleaning solution should enter the vents. If the solution drips inside, this could potentially damage the AC system or lead to mould growth, which could deteriorate the performance of your car's AC system and leave a foul smell. If the vents smell bad even after cleaning, you might have to use a disinfectant spray. 

    1. Let the vents dry

    Once the car vents are completely clean, leave them to dry. Do not turn on the air conditioning until the vents are completely dry. Use a dry towel or cloth to remove the excess solution remaining on the AC vents.

    You can also use a blow-dryer (without heat settings) to speed up the drying process. Once the vents are dry, check the airflow. If the speed is still slow, you might have to clean the ducts again.

    1. Use a car freshener to keep bad odours away

    To keep your cabin smelling fresh, use a car freshener made from natural ingredients and essential oils instead of using those made from synthetic chemicals.

    1. Clean car AC vents once a week

    You must clean your car's AC regularly to maintain its performance. However, one cleaning session may not always be enough to remove all the debris and dust; sometimes, double cleansing is required to restore proper function.

    Ideally, cleaning the car AC vents once a week is enough. However, it depends on how much dust and dirt your air vents collect. Avoid eating near the AC vents to prevent buildup, as food particles can settle inside, leading to unpleasant odours and potential mould growth.

    Conclusion

    Cleaning your car's AC vents is a simple yet essential task that enhances airflow, eliminates odors, and ensures a more comfortable driving experience. By following a few easy steps, you can effectively maintain clean vents and improve the air quality inside your cabin.

    Routine maintenance is an essential part of car ownership. However, there are additional preventative measures that can safeguard your investment. Comprehensive car insurance acts as a safety net, providing financial coverage in case of accidents, theft, or damage. It can help cover repair costs, medical expenses, and even damages caused by natural disasters or vandalism, giving you peace of mind every time you hit the road.




    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.

  • Different types of car doors

    by Tanmay Ahuja | Apr 21, 2025

    Car doors do more than provide access—they shape a vehicle's design, functionality, and safety features.

    Each type serves a unique purpose, from the conventional hinged doors on most cars to the striking gullwing and butterfly doors on luxury and sports models. Whether you're curious about innovative door mechanisms or looking to understand their advantages, this guide breaks down the most common and unique types of car doors, explaining how they work and where you'll typically find them.

    Types of car door styles

    Choosing the right door type can enhance accessibility, safety, and driving experience. Here are the different car door styles available on the market.

    Scissor doors

    Scissor doors are among the most striking designs in the automobile industry. Unlike traditional car doors, which open outwards, scissor doors swing upwards. Also known as wing, swing-up, switchblade, beetle-wing, or turtle car doors, this door type attaches to the car body using a hinge located at the top corner of the frontal car part.

    The car door opens like a pair of scissor blades, which resulted in the name 'scissor doors.' They are mostly used in countries with limited parking spaces where opening the door to get out can be difficult.

    Some big brands that use scissor doors in their car models include:

    • Lamborghini Aventador
    • Ferrari P1
    • McLaren LaFerrari

    Gullwing doors

    Gullwing is an alternative car door design that clings to the car's roof side instead of sideways. The doors open upwards, with the hinges fixed on the rooftop and the two doors spreading like wings.

    Also known as up-doors, butterfly doors, or falcon-wing doors, this design requires less side clearance to open the car, which helps in tight parking spaces. It is also convenient, facilitating smooth movement when entering or exiting a place. However, extracting passengers can be tricky in an accident where the car flips on its roof.

    Examples of car brands with gullwing doors include:

    • Tesla Model X
    • Mercedes-Benz 300SL
    • Mercedes-Benz C111

    Butterfly doors

    Butterfly doors are vertical doors often confused with scissor doors, but the two differ in how they open. Scissor doors open straight up through hinge points at the rear of the A-pillar, but butterfly doors open up and out via hinges fastened along the A-pillar. Butterfly car doors open wider; hence, people have more space to get in and out of the car than with scissor doors.

    If you prioritise style over practicality, butterfly car door designs will be perfect for you. However, since they open wide, butterfly doors need more parking space; they can't operate well in low ceilings and tight spaces.

    Examples of car models with butterfly doors include:

    • Mercedes Benz SLR
    • BMW i8
    • BMW Z1

    Suicide doors

    Suicide doors, also known as coach doors, are rarely used in modern vehicles. They were prevalent on horse carriages and drop-tops mainly because they had a very open and airy design, offering ease of entry and exit.

    Suicide car doors are hinged at the rear end rather than the traditional front-hinged car doors, hence considered riskier. The name 'suicide' originated from an early design flaw that posed a higher risk of injury to users.

    Rolls-Royce is one of the few automobile companies that use rear-hinged doors with suicide doors car models like these:

    • Rolls-Royce Cullinan
    • Rolls-Royce Dawn
    • Rolls-Royce Ghost

    Sliding doors

    A sliding door is a door design suspended from a vehicle so that the door can open by sliding horizontally. This design is common in vans, minibuses, and buses, with larger entrance and exit spaces for passenger loading and unloading.

    Modern sliding doors have advanced features such as power operation, soft-close mechanisms, and hands-free opening using sensors or key fobs. These innovations enhance safety and convenience, especially for families with children or individuals carrying heavy loads.

    The design is prevalent in mini MPVs like the following:

    • Toyota Porte
    • Peugeot Rifter
    • Renault Kangoo

    Swan doors

    Although they resemble conventional car doors, swan doors have a striking mechanism and open wider than any other door style. These doors are hinged sideways but rise slightly as they open horizontally.

    High-performance cars feature this design, saving parking space despite ceiling height limitations. The doors can easily open even when closer to other vehicles.

    Examples of cars with swan doors include:

    • Jaguar C X75
    • Rapide
    • Aston Martin DB9

    Canopy doors

    Canopy doors are a rarely used door type in car manufacturing, mostly found in luxury cars. The door lifts and opens from the top to let passengers in. Also known as a bubble, cockpit, or articulated canopy, the door appears canopy-like, making it a point of attraction.

    With the door over the car's roof, passengers can hop out without worrying about the sides. However, such cars can be a problem if parked in a place with a tight ceiling space—it can be hard to open the door without causing dent marks.

    Here are some cars that feature this door design:

    • Renault Trezor
    • Lamborghini Egoista
    • Maserati Birdcage 75th

    Conclusion

    A car’s door design should be an essential consideration during the purchase decision. It is wise to prioritise the door design based on your needs, preferences, convenience, and style.

    In addition, it is prudent to consider a car’s safety specifications to ensure the best driving experience. No matter the model you choose, it is essential to protect your investment with the appropriate insurance. Buying car insurance is a simple and efficient way to safeguard against unexpected events such as accidents and theft. A reliable insurance policy gives you financial security and confidence whenever you hit the road.





    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.

  • EV charging connector types

    by Tanmay Ahuja | Apr 21, 2025

    Electric vehicles have grown exponentially due to their efficient performance and clean energy. However, a robust infrastructure is required to meet their charging needs. The elements that play a significant role in EV's charging infrastructure include the sockets, plugs, and connectors.

    There are no standard connectors that fit all-electric vehicles. Instead, they vary based on the country, the type of EV, and the charging station. Different charging station levels use varying connectors, prioritising efficiency and safety.

    This guide offers a detailed summary of the types of EV charging connectors available. Each has distinct features and capabilities.

    List of different types of EV charging connector types

    Here are the EV charging connector types available.

    1. SAE J1772 Connector: Type 1

    The charging standard features five pins, also known as a J Plug connector. It can charge up to 80 amps using a 240-voltage input, giving a maximum power output of 19.2 kW. This connector supports single-phase AC charging for EV chargers in levels 1 and 2.

    The drawback is that it only uses the single-phase and lacks the automatic locking mechanism, unlike type 2 (Mennekes) connectors.

    Key Specifications:

    EV Charging Connector Type

    SAE J1772 (Type 1)

    EV Charging Level

    Levels 1 & 2

    Output Current Type

    Alternate Current (AC)

    Max Output Power

    1.92 kW (120 volts)

    19.2 kW (208/240 volts)

    Max Output Current

    16 Amps (120 volts)

    80 Amps (208/240 volts)

    Supply Input

    120 volts or 208/240 (Single-phase only)

    1. Mennekes Connector: Type 2

    Featuring seven pins, it can charge a maximum of 32 amps using 400 voltage input, giving a power output of 22 kW. It connects automatically to the electric vehicle for charging, with openings on the side of the plugs that lock it firmly into place. The automatic locking of the plug into the EV helps prevent accidental cable removal during charging.

    Key Specifications:

    EV Charging Connector Type

    Mennekes (Type 2)

    EV Charging Level

    Level 2

    Output Current Type

    Alternate Current (AC)

    Max Output Power

    7.6 kW (230 volts)

    22 kW (400 volts)

    Max Output Current

    32 Amps (230 volts)

    32 Amps (400 volts)

    Supply Input

    230 volts (single-phase) or 400 volts (three-phase only)

    1. CCS (Combined Charging System) Connector: Type 1

    Also known as CCS Combo, CCS Type 1, or the SAE J1772 Combo connector, the CCS connector combines a J1772 Type 1 plug with two DC fast-charging DC pins.

    CCS 1 delivers a maximum of 500 amps and 1000 volts, giving a power output of up to 360 kW. Japanese vehicle manufacturers, such as Nissan, are also transitioning to the combined charging system. With the CCS 1 plug, car manufacturers can have shared AC and DC charging ports instead of separate ones.

    Key Specifications:

    EV Charging Connector Type

    CCS 1

    EV Charging Level

    Level 3 (DC fast charging)

    Output Current Type

    Direct Current (DC)

    Max Output Power

    360 kW

    Max Output Current

    500 Amps

    Supply Input

    480 volts (three-phase)

    1. CCS Connector: TYPE 2

    Known as CCS Combo 2 or CCS Type 2, the EV connector combines the Mennekes Type 2 plug with two fast-charging pins. Delivering a power output of up to 360 kW, it has a capacity of up to 500 amps and 1000 volts DC.

    Key Specifications:

    EV Charging Connector Type

    CCS 2

    EV Charging Level

    Level 3 (DC fast charging)

    Output Current Type

    Direct Current (DC)

    Max Output Power

    360 kW

    Max Output Current

    500 Amps

    Supply Input

    400 volts (three-phase)

    1. CHAdeMO Connector

    The CHAdeMO connector is the most preferred DC fast-charging standard in Japan. It can charge electric vehicles up to 400 amps; however, the vehicle needs separate charging ports for AC and DC.

    The CHAdeMO charging stations use liquid-cooled cables to attain 400 kW power output. These connectors are not as common as the CCS, and development is underway to enable faster charging with the CHAdeMO protocol.

    Key Specifications:

    EV Charging Connector Type

    CHAdeMO

    EV Charging Level

    Level 3 (DC fast charging)

    Output Current Type

    Direct Current (DC)

    Max Output Power

    400 kW

    Max Output Current

    400 Amps

    Supply Input

    400 volts (three-phase)

    1. GB/T Connector

    The GB/T connectors are available in two types and are the only EV connectors used in China. One type is for AC, and the other is for DC.

    The GB/T AC connector has a single-phase input and produces power of 7.4 kW, while the DC connector delivers power output of up to 237.5 kW.

    Key Specifications:

    EV Charging Connector Type

    GB/T (AC)

    GB/T (DC)

    EV Charging Level

    Level 2

    Level 3 (DC fast charging)

    Output Current Type

    Alternate Current (AC)

    Direct Current (DC)

    Max Output Power

    7.4 kW

    237.5 kW

    Max Output Current

    32 Amps

    250 Amps

    Supply Input

    250 volts (three-phase)

    440 volts

    1. TESLA Connector

    The Tesla connector is one of the electric car charger types that uses its own charging standard. The correct Tesla plug varies depending on your location and the model of your Tesla. In North America, Tesla uses the North American charging standard (NACS), initially known as the 'Tesla SuperCharger' for ACs and DCs. NACS is compatible with Teslas only and delivers a power output of 250 kW. However, Teslas can still be charged using different EV connectors outside North America.

    Key Specifications:

    EV Charging Connector Type

    Tesla NACS

    Ev Charging Level

    Levels 2 and 3

    Output Current Type

    Alternate Current (AC) / Direct Current (DC)

    Max Output Power

    250 kW

    Max Output Current

    48 Amps (AC) 400 Amps (DC)

    Supply Input

    Single or three-phase

    Key Countries

    USA, Canada

    Conclusion

    Each EV charger has its specific charging speed and power output, all determined by factors like the type of connector, the charging station's current and voltage, and the vehicle's onboard charger capacity. Using the correct charging connector and following safety guidelines prevents risk factors like overvoltage, ground faults, overcurrent, and high temperatures.

    As you consider your EV charger, it is crucial to simultaneously put in place certain safety and quality-of-life upgrades. This includes appropriate car insurance. Browse through car insurance online to find a reliable policy that covers a range of risks, including accidents, car theft, and damage.





    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.

  • Types of electric vehicles: BEVs, PHEVs, HEVs

    by Tanmay Ahuja | Apr 21, 2025

    The electric vehicles (EV) segment is undergoing a major boom in India. According to Bloomberg NEF’s EV Outlook 2024 report, India is predicted to achieve 5.9 million electric vehicle sales by 2040. This popularity is due to rising interest in electric vehicles as a sustainable, future-proof alternative to traditional fuel-powered cars.

    If you are considering switching to an EV, it’s essential to understand the types of electric cars available in the market. There are three major kinds based on the powertrain configuration—Battery Electric Automobiles (BEVs), Plug-in Hybrid Electric Vehicles (PHEVs), and Hybrid Electric Vehicles (HEVs).

    List of different types of electric cars

    Each type of electric car has its benefits and drawbacks. Let’s learn more about them.

    1. BEV: Battery Electric Vehicles

    BEVs are the most common type of electric vehicle. They are 100% electric, meaning they are entirely powered by electric motors. This electricity is stored in large batteries.

    BEVs work using the basic principle of converting direct current to an alternating current that powers the motor whenever the accelerator is pushed. A controller is an important component of a BEV that varies the alternating current frequency to drive the car at different speeds.

    BEVs bring many advantages to the table:

    • No damage to the environment and cleaner air because of zero tailpipe emissions.
    • Lower operating costs compared to petrol and diesel cars.
    • Quieter and smoother rides due to the lack of an internal combustion engine.
    • Improves efficiency due to its regenerative braking system that recovers energy during deceleration.
    • Government incentives and tax credits for purchasing BEVs.

    While contemporary battery technology enables much longer ranges and quicker charging times, better technology is needed to enhance the viability of BEVs for long-distance travel. However, expansion of charging infrastructure is required for smooth operations.

    2. PHEV: Plug-In Hybrid Electric Vehicles

    PHEVs come with an internal combustion engine and a chargeable battery to offer a long electrical range. This is a true hybrid car known as a series hybrid. Essentially, you have the flexibility to drive the car as an electric vehicle till it loses its charge. When the battery is depleted, a PHEV switches to its internal combustion engine which works on fossil fuel like a regular car. Like a BEV, you can also charge a PHEV’s battery by plugging it in.

     

    Some of its benefits include:

    • Flexibility to drive on electricity for shorter trips and switch to petrol or diesel for longer journeys, reducing range anxiety.
    • Low fuel cost due to a mix of electricity and fuel.
    • Eligible for several electric vehicle incentives and benefits.
    • Capable of driving in electric-only mode for a brief period of time. This is called the zero-emission mode.

    Just like BEVs, PHEVs also depend on improvements in battery technology to enhance their electric range.

    3. HEV: Hybrid Electric Vehicles

    Known as parallel hybrids, HEVs are similar to PHEVs, both have a combustion engine and electric motor. The engine derives energy from fuel, whereas the motor gets electricity from batteries. However, they have one major difference—HEVs cannot be plugged into the power grid to recharge. Instead, their battery charge is solely derived from regenerative braking and car power.

    Some benefits of HEVs include:

    • Efficient energy use results in lower emissions.
    • No need for external charging, making ownership simpler.
    • Really responsive driving experience due to the combined power of the fuel engine and electric motor.
    • Enhanced fuel economy over conventional petrol vehicles.

    Honourable Mention: FCEV: Fuel Cell Electric Vehicles

    Apart from the three common types of electric cars, there is a fourth one that is relatively lesser known. This category is called Fuel Cell Electric Vehicles (FCEVs). These are zero-emission cars that utilise fuel cell technology to generate power. Fuel cells, unlike typical EV batteries, use oxygen that is present in the air along with compressed hydrogen to generate electricity. That means they don’t need any refilling or recharging.

    However, FCEVs are still limited by various challenges. They are not very practical to produce or operate compared to other electric car types.

    Conclusion

    The type of electric car you choose depends on your driving needs. If you usually drive short distances, then 100% electric BEVs are ideal for you. If you are worried that your electric car might not give you enough range or reliability, then hybrids are ideal for you. Ultimately, whether you opt for a BEV, HEV, or PHEV, ensuring that it functions properly is related to how adequately you maintain your vehicle.

    While making a selection among the different types of EVs, you also need to ensure you are taking preventative steps to safeguard your investment. Purchasing comprehensive car insurance is a key component of this as it allows you to remain worry-free in case your electric car runs into trouble. Look for appropriate car insurance online that provides financial assistance against faulty batteries, accidental damage, theft and even third-party liability.



    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.

  • Types of Li-ion batteries used in electric vehicles

    by Tanmay Ahuja | Apr 21, 2025

    The battery is the heart and ultimate power source of every electric vehicle (EV). Compared to regular batteries, EV battery technology is highly sophisticated, with considerations given to cooling, charging cycles, range, and performance. Today, most EVs use lithium-ion batteries. They contain cells with lithium ions, which travel from a negative to a positive electrode on discharge and back again on charging.

    Compared to internal combustion engines (ICE), lithium-ion batteries in EVs still have a long way to go due to their comparatively lower energy and reduced travel range. Today, there are different types of lithium-ion batteries used in electric vehicles. Let us learn about the most popular ones.

    Various types of Li-ion batteries used in EV cars

    Before we dive into the types of Li-ion batteries, let us understand what makes them so popular:

    • High power density: Lithium-ion batteries possess a high energy density. They can store significant energy for their size and weight. Lithium-ion batteries enable EVs to cover longer distances on one charge.
    • Long Lifespan: Typically, these batteries hold up well over hundreds or even thousands of cycles of charging and discharging.
    • Low self-discharge rate: Lithium-ion batteries hardly lose charge when not in use, which is helpful for cars parked for longer periods.
    • No memory effect: Unlike some other batteries, lithium-ion batteries don't ”remember” how much charge they have used. You can charge them at any time, even if they are not fully drained.

    Lithium-ion batteries are the most common type of batteries used in electric vehicles today. They come in different variations, and each lithium-ion EV battery type has its own applications, benefits, and drawbacks:

    1. Lithium Nickel Manganese Cobalt Oxide (NMC)

    Lithium Nickel Manganese Cobalt Oxide (NMC) batteries balance power density, price, and safety. They consist of a cathode chemistry, with nickel, manganese and cobalt proportions tweaked per the EV’s performance requirements.

    • Ideal for long-range EVs: NMC batteries with higher proportions of nickel offer excellent long-range with great performance and are the most popular batteries used for EVs.
    • Improved thermal stability: Compared to other lithium-ion EV batteries, NMC is less prone to overheating.
    • Higher specific power: NMC enables improved vehicle performance when accelerating.
    1. Lithium Nickel Cobalt Aluminum Oxide (NCA)

    Nickel Cobalt Aluminum Oxide (NCA) batteries are for higher power density and better performance, but they are comparatively costlier. They deploy aluminium instead of manganese to achieve stability. They are typically found in certain high-performance EV models.

    • Ideal for long-range EVs: Like NMC, NCA batteries enable higher energy density, which allows the batteries to last longer distances.
    • Low thermal stability: NCA batteries are less thermally stable compared to NMC batteries.
    1. Lithium Iron Phosphate (LFP)

    Lithium Iron Phosphate (LFP) batteries utilise iron and phosphate instead of cobalt and nickel. Since the former are cheaper to produce, LFP batteries are highly cost-effective. But this usually comes at the cost of performance. They are also more sustainable, which are key reasons why they are a popular choice.

    • Ideal for standard or short-range EVs: This is due to decreased power density and energy compared to other Li-ion batteries.
    • Safety and durability: LFP batteries possess excellent safety features and extended service life.
    1. Lithium Titanate Oxide (LTO)

    Lithium Titanate (LTO) batteries utilise lithium and titanium oxides in their anode surface construction. This is what differentiates them from the cathode-based EV batteries. However, they have a low energy density and are costly, restricting their application in mainstream EVs.

    • Reduced charging time: LTO batteries tend to be fast charging, providing an extended lifecycle (roughly 10,000 discharge cycles).
    • Thermal stability: LTO batteries exhibit good low-temperature performance.
    1. Lithium Manganese Oxide (LMO)

    Lithium Manganese Oxide (LMO) is another type of fast-charging and discharging EV battery known as a manganese spinel battery. Since they have lower energy density, LMO batteries are often used alongside NMC batteries to help boost an EV’s driving range.

    • High operating voltage: LMO batteries can provide high voltage, improving acceleration in EVs.
    • Safe and reliable: LMO batteries have good thermal stability, are relatively safe, and fast charging, making them reliable.
    1. Lithium-sulfur batteries (Li-S)

    Lithium-sulfur batteries are a promising alternative to traditional lithium-ion batteries. They use sulfur and lithium metal as electrodes and can attain higher power densities. They are cost-effective and have the potential to become quite popular in the future. 

    • Substantial theoretical energy density: Lithium-sulfur batteries possess a higher theoretical energy density, boosting EV driving range.
    • Ample availability: Sulfur can be readily available and affordable, making these batteries a cheaper alternative in the future.
    • Reduction of reliance on rare metals: Unlike some lithium-ion batteries, lithium-sulfur batteries don't need nickel or cobalt, which are rare and costly.

    Conclusion

    For EVs, there is a variety of lithium-ion batteries available. While the balanced performance of current lithium-ion batteries makes them an optimal choice, innovations like solid-state and lithium-sulfur show promise for the future. It all boils down to improving the dependability and performance of EVs.

    While you purchase an EV, it is essential to consider the battery type and its suitability for your driving requirements. Additionally, ensuring that your vehicle is covered in case of accidents, theft, and damage is an important step towards a hassle-free driving experience. Opt for a good car insurance policy that acts as a safety net and offers essential financial assistance in case of accident, damage, theft, and more.




    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.

  • V4 vs. Inline 4 engine: What's the difference?

    by Tanmay Ahuja | Apr 21, 2025

    If you're looking to buy an engine for your car, understanding the key differences between a V4 engine vs Inline 4 engine can help you make an informed choice. The primary distinction lies in their cylinder arrangement—V4 engines have cylinders positioned in a ‘V’ shape, while inline-4 engines align them in a straight row along the crankshaft.

    Inline-4 engines are more common in cars due to their balance, compact design, and simplicity. On the other hand, motorcycles often use V4 engines, as their compact design allows for higher power output in limited space.

    This blog delves deeper into the key differences between v4 vs inline 4.

    What is a V4 engine?

    The V4 engine has four cylinders arranged in a V-shape. It has two cylinder banks—each holding two cylinders. The V-twin has an excellent power delivery, spreading from low in the RPM range but may decline in the upper reaches of the tachometer.

    Therefore, the V4 engine has a healthy spread of power and torque. Unlike the V-twin, it often spins faster, generating more power at a broader RPM range.

    Advantages of V4 engine

    The following are some advantages of the V4 engine:

    • V4 engines are smoother, firm, and stronger than inline 4-cylinder engines.
    • The V4s are highly efficient, with smaller, less wasteful dead spaces.
    • The stronger and shorter crankshafts result in higher power generation. The crankshafts reduce the chances of torque twisting and boost the number of revolutions.
    • The engine's 90° or 60° angle design significantly reduces vibrations.
    • The crankcase allows an efficient air flow, minimising pumping losses, and enabling power to reach the wheels.
    • The shorter engine makes packing easier.

    What is the Inline 4 engine?

    Also known as a 'straight-four', 'i4', and 'L4', the inline-four performance-oriented turbo engine dominates the racing world. Characterised by its four cylinders, it's an internal combustion engine with the cylinders arranged in a straight line or parallel on a single crankshaft.

    The i4 functions on a four-stroke cycle, converting fuel into mechanical energy. This cycle ensures smooth engine operation, whether turbocharged or naturally aspirated. Diesel, gasoline, and natural gas can power the engine.

    The engine has crankshaft layouts of either 180-degree (flat-plane) or 270-degree (cross-plane), producing the most power and torque in the high revving range. It can rev all up to 14,000 RPM.

    A turbocharged inline-4 engine uses exhaust heat to power a turbine, forcing more air into the engine's combustion chamber. The additional air enables more fuel to burn, producing greater power output. Hence, the turbocharger allows the i4 engine to deliver higher performance while maintaining fuel efficiency and environmental benefits.

    What are the advantages of Inline 4 engine?

    The following are some advantages of the Inline 4 engine:

    • Fuel efficient: Fewer cylinders operate with less fuel, improving fuel economy.
    • Lower emissions: Compared to larger engines, the inline-4 is more eco-friendly.
    • Lightweight: The inline-4 engine has one cylinder head, a simpler design, and is lighter than other engine types.
    • Easy to maintain: The i4's straightforward design simplifies repairs, servicing, and upkeep.
    • Powerful in performance: Turbocharging makes this engine a powerhouse, enabling it to perform far better than larger engines.
    • Compact size: Cylinders have a linear arrangement, resulting in a smaller engine footprint that fits well into smaller cars.
    • Good primary force balance: The cylinders' alternating order balances vibrations, leading to smoother operations.
    • Lower manufacturing cost: Inline 4 is cheaper to produce compared to the more complex engine designs.

    V4 vs. Inline 4 engine: Which is best

    When it comes to the inline 4 engine vs v4, the V4 engine delivers better power. It's power-packed and has a shorter crankshaft, generating more power across a wider RPM range. 

    However, V4 engines are more costly to produce and quite difficult to maintain, and with the rear cylinders positioned close to the rider, they can get really hot. This probably explains why the good old inline-4 still lives on.

    The L4 engine is relatively cheaper to produce and easier to maintain. Therefore, some people, especially those who use their cars daily, still prefer the inline-4 engine due to better fuel efficiency.

    Let’s understand this better through the comparison table below:

    Point of Comparison

    V4 Engine

    Inline 4 Engine

    Cylinder Arrangement

    Arranged in a V-shape

    Arranged in a straight line

    Power Delivery

    Produces more peak power

    Produces lesser power

    Handling

    Handling is poor due to a higher centre of gravity, causing poor weight distribution

    Have better handling because of a centralised mass distribution

    Design

    They are more complex

    They have a simplified design

    Application

    They are commonly used in high-performing motorcycles

    They are widely used in cars

    Performance

    With shorter and stronger crankshafts, the engine is smoother in performance

    Longer crankshafts, hence the engine is less smoother in performance

    Cost

    More expensive

    Less expensive

    Weight

    Engine is heavier

    Engine is lighter

    Packaging

    Engine is shorter, and uses less space

    Engine is longer, taking up more space

    Conclusion

    We cannot deny that the powerful V4 engine is more popular. Manufacturers use the engines to power the most remarkable racing motorcycles. However, the inline-4's cheaper production cost, better fuel efficiency, and ease of maintenance still make it a timeless design.

    While you make an informed decision about your engine choice, you need to take certain safety precautions to ensure your vehicle and engine’s longevity. Acquiring a comprehensive car insurance policy that offers coverage for accidents, theft, and other unpredicted road events is essential, giving you financial security whenever you are on the road.





    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.

  • Types of car scratches

    by Tanmay Ahuja | Apr 21, 2025

    Cars are more than just a means of transportation—they reflect our personality and style. So when a scratch appears, it can feel frustrating. Scratches not only affect your car’s appearance but can also reduce its resale value. If left untreated, they may make your vehicle less appealing to potential buyers.

    The good news is that with the right skills, you can fix these scratches yourself. The key is to first identify the type of scratch. Car scratches fall into three main categories: clear coat, paint, and primer scratches, with primer scratches being the most severe.

    List of various types of car scratches

    The following are the types of car scratches.

    1. Clear-coat scratches

    A clear coat is the transparent, uppermost layer of the car's paint. It provides a glossy finish and protects the paint from physical damage, environmental pollutants and UV rays. Clear coat scratches often appear like swirl marks, whorls, or straight lines, resulting from wear and tear.

    The most common causes include brushing the car's surface against a tree branch, rough object, or wall; using abrasive cleaning products or harsh chemicals; employing improper cleaning techniques and exposure to airborne contaminants.

    How to fix clear-coat scratches:

    Clean the area using water and a soft microfibre cloth to remove dirt and grime. Apply wax onto the surface to smooth out the scratches, and buff it gently.

    1. Paint scratches

    The paint layer lies under the clear coat layer. Scratches occur when your car comes into contact with another object, such as when it rubs against the surface of another car, a metal pole, or an abrasive surface like a wall.

    If left unattended, paint scratches can lead to further damage by exposing the underlying clear coat to environmental elements.

    How to fix paint scratches:

    An expert can usually fix paint scratches. They rub the scratch with sandpaper to prepare the surface for painting. Once the painting is completed, it takes at least two days to dry. After painting, a clear coat is applied to add the finishing touches.

    1. Paint transfer scratches

    Paint transfer scratches can happen when your car brushes against another painted object. Unlike a paint scratch, which damages the car's paint, a paint transfer scratch only leaves paint from another object on its surface, making it easier to remove.

    How to fix paint transfer scratches:

    • To loosen the transferred paint, use a mild solvent like acetone. Apply a small amount of solvent to a soft towel and gently rub it over the scratched area.
    • Once the transferred paint is removed, reapply the car's paint and apply a wax or sealant to the area. Let it dry for 1-2 days before applying the clear coat.
    • Seek help from professional detailers if the paint transfer is difficult to remove. They have the right tools and expertise to safely remove the paint without destroying the underlying paint.
    1. Primer scratches

    Primer scratches are severe scratches that can compromise a car's integrity. They go beyond the paint layers, exposing the car's inner metal surface.

    You should immediately treat primer scratches. If left unattended, moisture and other corrosive agents penetrate the paint and metal, attracting rust and making the car look worn out and neglected.

    Primer scratches can be caused by significant impacts, such as car accidents, contact with sharp objects, and severe abrasions.

    How to fix primer scratches?

    First, fix any dent present, then rub sandpaper on the whole scratched area. Apply the primer evenly and let it dry. Next, apply fresh paint and leave it to dry, and finally, finish off using a clear coat. The repair period varies depending on the severity of the scratch and the extent of the affected area.

    Note: Fixing the deep scratches requires skill and expertise, so it's best to have a professional handle the repair.

    Conclusion

    Promptly identifying and addressing car scratches is essential for preserving both the vehicle's appearance and long-term value. However, beyond regular maintenance, taking proactive steps to protect your car from unexpected damage is just as important. Investing in comprehensive car insurance ensures coverage for accidents, theft, and other unforeseen events, providing financial security and peace of mind every time you hit the road.




    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.

  • Want to Buy a New Car? Budget Wisely

    by mohit bohra | Apr 16, 2025

    Are you on an exciting journey of buying a brand new car? It's a significant investment, right up there with purchasing a house. But unlike a house, a car is a depreciating asset. Buying a car goes beyond the desire for comfort and convenience. A car often reflects your social and financial standing. However, it's important to remember that there are other expenses to consider along with the car's cost. Determining a budget that aligns with your financial health and long-term goals is crucial. Let's dive into the key considerations when calculating your new car budget in India.

     

    Things to consider when calculating your budget for a new car

    When calculating your budget for a new car, several crucial factors must be considered. Consider the following factors to calculate car budget, including:

    • Thumb rule: Set a reasonable budget

    If you are wondering about "what car can I afford based on salary?" follow this thumb rule. A fundamental thumb rule to abide by when determining your budget for a new car is to avoid allocating more than half of your annual income to this purchase. This pragmatic guideline ensures a balanced approach to car affordability while safeguarding your overall financial stability.   

                   

    So, if you’re wondering “how do I know if I can afford a car?”, consider an illustrative scenario: if your annual income stands at ₹10 Lakhs, a reasonable budget would entail earmarking around ₹5 Lakhs for the car's cost. However, it's crucial to emphasise that this thumb rule doesn't solely encompass the car's ex-showroom price. Instead, it extends to the on-road price, which includes expenses like road tax, registration charges, and car insurance premiums. This comprehensive view provides a more accurate reflection of the actual costs of acquiring the vehicle.

     

    When opting for a car loan, the thumb rule extends further to encompass the 20/4/10 principle. It entails initiating the purchase with a down payment of 20% of the car's price. Subsequently, securing a loan tenure within four years is recommended to avoid prolonged interest payment durations. Additionally, ensuring that your car-related expenses, including EMIs and car insurance, collectively remain within 10% of your monthly salary underpins prudent financial management.

     

    • Choose between new or old.

    Consider your needs rather than just your wants. If budget constraints come into play, don't overlook the option of a used car. Used cars can be up to 30% - 40% cheaper, depending on their age and condition. However, remember to account for potential maintenance costs and steer clear of vehicles older than five years.

     

    • Buying the right size

    Choose a car size that suits your family's needs and lifestyle. A hatchback or sedan might be ideal for a family of four, while a Multi Utility Vehicle (MUV) could be a better fit for larger families. Opting for a smaller model, when possible, can lead to cost savings.

     

    • Avoid negative compounding

    Eligibility for a loan doesn't necessarily equate to affordability. Going beyond your budget can lead to negative compounding – the more you borrow, the higher your interest payments. Be cautious not to be lured into a larger loan than you can comfortably manage.

     

    • Contemplate maintenance costs

    Remember, owning a car means ongoing expenses. Consider factors like insurance premiums, maintenance, fuel, and service costs. Over time, these seemingly minor expenses can accumulate and impact your financial well-being. Scrutinise the car's technical specifications, such as transmission modes and fuel types, to ensure they align with your budget.

     

    • More savings than EMI

    Your car's Equated Monthly Instalments (EMIs) should not consume more than 10% of your savings. Ensure you're setting aside more funds than you allocate toward your car payments. If your EMIs exceed this threshold, consider postponing your purchase until your financial situation strengthens.

     

     

    How to calculate the budget for your car?           

    When wondering “how to know if I can afford a car”, you must learn basic steps to calculate the car's budget. Calculating your car budget entails several essential steps:

                   

    • Check the on-road price

    Before finalising your car budget, thoroughly examine the on-road price. This comprehensive figure includes the car's base cost and additional expenses like taxes, registration fees, and car insurance. Understanding the on-road price gives you a clearer picture of the overall investment required for your chosen vehicle.

     

    • Consider the monthly payments.

    Calculate the monthly payments, including EMIs (Equated Monthly Instalments), and you'll need to allocate this for your car purchase accordingly. This step is crucial if you're opting for a car loan. Ensuring that the monthly payments fit comfortably within your financial capacity is essential.

     

    • Access your down payment.

    Determine the amount you can allocate as a down payment for the car. You should know that a higher down payment lowers the loan amount, leading to lower monthly payments. Assessing your down payment capability helps you tailor your car budget to suit your financial situation.

     

    • Check the exchange value of your current vehicle, if any.

    If you're replacing an existing vehicle, evaluate its exchange value. A good resale value for your old vehicle can significantly impact your new car's cost, potentially reducing your overall expenditure.

     

    • Consider your total debt.

    Take a complete view of your existing financial commitments and debts. Assess whether adding a car loan to your financial portfolio is feasible. Carefully consider your total debt to ensure the new car purchase aligns with your financial stability.

     

    Conclusion

    In the exhilarating pursuit of a new car, prudent budgeting is vital. Consider a balanced approach, adhering to a rule of not exceeding half your annual income for the car's cost, including on-road expenses. Opt for practicality between new and used cars, accounting for maintenance costs. Evaluate size, savings-to-EMI ratio, down payment, exchange value, and total debt. Remember, car insurance safeguards your investment, so choose one wisely. With these principles, embark on your car journey confidently and financially prepared.

     


    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.  

     

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  • Does Car Insurance Cover Windshield Damage

    by mohit bohra | Apr 16, 2025

    The windshield of a vehicle comprises laminated or solid safety glass; hence, it is a fragile part. It can get shattered or cracked during a collision with another vehicle. It is also possible for the windshield to get damaged when hit by a stone or tree branch while parked on the road under a tree or close to a construction site. Whether it is a small crack or total damage, you have to get it fixed immediately to avoid any accidents due to obstructed vision while still driving the vehicle in that condition. Before heading to a garage, check if your vehicle insurance covers windshield damage.

    Does car insurance cover windshield damage?

     

    If you have a doubt in your mind, “Is the windshield covered by insurance?” let’s find out the answer. A comprehensive car insurance policy covers all types of damages caused to a car’s windshield due to collision or non-collision. If you have taken only third-party liability coverage, it will not compensate for the damages to your car. However, comprehensive car insurance coverage includes both own damages and third-party liability coverage; hence damage to the car’s front glass gets covered under insurance if you opt for a comprehensive policy.

    Are there any deductibles while filing a damaged windshield claim?

     

    A deductible is the amount an insurance policyholder must pay toward an insured loss before the insurer starts paying for the covered expenses. When you file a damaged windshield insurance claim, you may have to pay a compulsory amount as a deductible. It gets calculated according to the percentage you chose at the time of policy purchase. Only some vehicle insurance companies charge a deductible to the car owners when they file a claim against a car’s windshield damage, i.e., if it gets stated in the policy. However, certain insurers do not make the policyholders pay the deductible for a windscreen repair if the policyholder hasn’t agreed to the deductible clause. If required, compare the total charge for repair or replacement of the windshield and the deductible amount before raising the claim for damage. If the cost of maintenance or renewal of the windscreen is less or slightly greater than the deductible amount, then it is not worth filing a claim.

    Types of windshield damages that your car insurance covers

     

    A comprehensive car insurance policy covers the cost of repairing or replacing a chipped, cracked, or shattered windscreen only if the damage gets caused by specific sources listed by the insurance company. The common sources of damage covered under a car insurance plan are listed below.

    • Collision with another vehicle
    • Tree branches falling on the glass
    • Rocks, pebbles, or any other debris hitting the windscreen while driving or when parked on the side of the road.
    • Hail falling on the glass during a hailstorm
    • Animal colliding with the car’s windscreen
    • Plant pots, coconuts, or any other heavy items falling on the glass
    • A ball hits the car’s windscreen
    • During vandalism, if someone breaks the car’s windshield with a stone or stick

    How to file a claim for a damaged windshield?

     

    After an accident, contact your insurance provider immediately to initiate the claim process. Here we have listed the steps on how to claim insurance for car windscreen damage.

    • Immediately after the accident, inform the police and file an FIR.
    • Declare the damage to the insurance agency and file a claim for windshield damage.
    • Take your vehicle to a garage where your insurer has a tie-up to get a cashless service.
    • You can also get the vehicle serviced at any repair shop other than a network garage; you need to file for reimbursement later. Remember to produce the receipts to the insurance company when claiming reimbursement.
    • The insurer will pay for the expense if the insurance plan covers the circumstances that caused the damage.

    Conclusion

     

    Now you have the answer to your doubt — is the front glass of the car covered by insurance? Repairing or replacing a car’s damaged windshield is expensive maintenance work. So, when an unfortunate event that shatters or cracks your vehicle's windscreen happens, immediately inform the police about it. Then proceed with the insurance claim process without any delay. You can raise the claim by submitting a written application at the insurance company’s office or filling up an online form on their website.

    Frequently Asked Questions

     

    1.    Will my car insurance policy cover my car's damaged windshield?

     

    Yes, if you have a comprehensive car insurance policy in hand, it will cover the expense of repairing or replacing a damaged windshield. The only condition is that the source of the damage should get covered under the policy to get compensation.

     

    2.    When should I avoid filing for a damaged windshield?

     

    If the cost of repairing or replacing a damaged windscreen is slightly higher or lower than the deductible amount, then it is not ideal to make an insurance claim.

    3.    Does filing for a claim increase my car insurance premium?

     

    Yes, filing for a claim can increase the insurance premium. This is because an accident claim makes you appear a risky customer to the insurance company; hence your insurer will charge you a higher car insurance renewal premium.

    4.    Does third-party car insurance offer coverage against damaged windshields?

     

    No, your third-party liability insurance does not provide coverage against windshield damage. You will need comprehensive car insurance to get compensation for the repair or replacement expense of the windscreen.

    5.    Will I lose my No Claim Bonus (NCB) for filing a claim?

     

    A claim made for windshield damage won't affect your No Claim Bonus. If the accident was the other person's fault and the insurer gets all the money from that party's insurance company, then you won't lose your NCB. Even if it's your fault, you could still retain the NCB.

     


    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.  

     

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  • Top Hatchback Cars in India

    by Almog Ramrajkar | Apr 16, 2025

    In the ever-changing automotive market, selecting the perfect hatchback that meets your needs and expectations could be tricky. An array of options is available in the market, all competing to be recognised as the top hatchback in the country. Some of the top features of these compact cars include enhanced fuel efficiency and advanced technology.

     

    As we explore the realm of hatchback cars in India, it's crucial to focus on their standout features and consider the integral aspect of car insurance, ensuring a comprehensive and secure driving experience.

     

    Detailed List of the Best Hatchback Cars in India

     

    Hatchback cars

    Price Range

    Maruti Suzuki Swift 

    Rs 5.99 lakh - Rs 9.03 lakh

    Maruti Baleno

    Rs 6.61 lakh - Rs 9.88 lakh

    Hyundai i20 

    Rs 6.99 lakh – Rs 11.16 lakh

    Tata Altroz

    Rs 6.60 lakh - Rs 10.74 lakh

    Maruti Celerio 

    Rs 5.37 lakh - Rs 7.14 lakh

    Tata Tiago EV

    Rs 8.69 lakh - Rs 12.04 lakh

    Toyota Glanza

    Rs 6.81 lakh – Rs 10 lakh

    Citroen C3

    Rs 6.16  lakh - Rs 8.80 lakh

    Renault Kwid

    Rs 4.70 lakh - Rs 6.45 lakh

    Hyundai Grand i10 Nios

    Rs 5.84 lakh -  Rs 8.51 lakh

     

    1. Maruti Suzuki Swift

     

    The Maruti Suzuki Swift is one of the best hatchbacks in India that combines power with efficiency. It boasts an ARAI mileage of 22.56 kmpl and is equipped with an 1197 cc, 4-cylinder petrol engine that delivers robust performance—88.50 bhp at 6000 rpm and 113 Nm torque at 4400 rpm. With seating for five passengers, the Swift offers the convenience of automatic transmission. Its compact yet practical design extends to a boot space of 268 litres, making it an adaptable choice for needs.

     

    The Maruti Swift's fuel efficiency, performance, and compact design position it as a compelling option among leading hatchbacks.

     

    1. Maruti Baleno

     

    This hatchback stands out for its fuel efficiency with an ARAI mileage of 22.94 kmpl and a city mileage of 19.0 kmpl. Its power comes from an 1197 cc, 4-cylinder petrol engine that generates 88.50 bhp at 6000 rpm and a torque of 113 Nm at 4400 rpm. It comfortably accommodates five passengers and has a transmission spacious boot capacity of 318 litres and a fuel tank capacity of 37 litres.

     

    Additionally, over five years, the average service cost for Baleno amounts to over Rs 5000, making it an economical choice in the hatchback segment.

     

    1. Hyundai i20

     

    Hyundai i20 is another compelling hatchback option in the market with an affordable price. i20 offers an ARAI mileage rating of around kmpl, making it suitable for urban commutes and long-distance drives. Its performance is powered by a combination of an 1197 cc, 4-cylinder petrol engine that outputs 86.76bhp at 6000 rpm along with 114.7 Nm torque at 4200 rpm. It features an automatic transmission, ensuring a smooth driving experience.

     

    The hatchback comes with a boot space of 351 litres, providing room for luggage. The i20 lineup offers five variants, Era, Magna, Sportz, Asta and Asta (O), which cater to various preferences and needs in the hatchback segment.

     

    1. Tata Altroz

     

    Tata Altroz offers a range of features across its six variants: XE, XM, XM+ XT, XZ and XZ+. Its boot capacity ranges from 210 to 345 litres and accommodates various needs. Altroz provides three engine options. A 1.2-litre aspirated petrol engine, a 1.2-litre turbo petrol engine, and a 1.5-litre diesel engine are all paired with a 5-speed manual transmission.

     

    Equipped with a 7-inch touchscreen infotainment system, ambient lighting, cruise control, and even a single-pane sunroof, Altroz offers an enhanced premium driving experience. Additionally, customisation options add to its attractiveness in the hatchback market.

     

    1. Maruti Celerio

     

    This compact hatchback comes with a boot space of 313 litres. It is powered by a 1-litre petrol engine (67 PS/89 Nm) with either a 5-speed manual transmission or a 5-speed AMT. The CNG version offers a claimed mileage of 35.6 km/kg with the 5-speed transmission.

     

    In terms of features, Celerio includes a 7-inch touchscreen push button for start/stop, keyless entry, and manual AC to enhance the driving experience. With its mileage figures and range of features, Maruti Celerio is a choice for budget-conscious buyers looking for practicality and efficiency.

     

    1. Tata Tiago EV

     

    Tata Tiago comes in five vibrant colours. It offers options for battery packs with capacities of 19.2 kWh and 24 kWh, providing a claimed range of 250 km to 315 km. Charging options are convenient, including a DC charger that can charge from 10% to 80% in 57 minutes.

     

    Packed with features such as a 7-inch touchscreen, Harman sound system, auto AC, dual airbags and TPMS for safety measures, the Tiago EV combines sustainability with amenities to offer an eco-friendly and enjoyable driving experience.

     

    1. Toyota Glanza

    Toyota Glanza has a 1.2-litre Dualjet petrol engine (90 PS/113 Nm). It can be paired with a 5-speed manual or a 5-speed AMT transmission. The CNG mode, combined with the 5-speed manual transmission, offers a fuel efficiency of 30.61 km/kg.

     

    Glanza boasts a 9-inch touchscreen display, heads-up display, 360-degree camera system, automatic climate control with rear AC vents and cruise control. With its rounded features and rich offerings in the hatchback segment, Glanza stands as a well-rounded choice.

     

    1. Citroen C3

     

    Citroen C3 Aircross is a spacious hatchback that comfortably accommodates five passengers and provides ample boot space of 315 litres. It offers fuel efficiency ratings of around 19.8 kmpl and 19.44 kmpl, respectively, for city and highway driving conditions to ensure journeys.

     

    C3 Aircross has a user system featuring a large 10.2-inch touchscreen display that connects Android Auto and Apple CarPlay platforms and an array of car features totalling up to 35 options for convenience. Safety comes first with Citroen C3 Aircross, which is equipped with dual front airbags, ABS, EBD, a reversing camera, and rear parking sensors.

     

    1. Renault Kwid

     

    Renault Kwid offers five variants: RXE, RXL, RXL (O) RXT and Climber. There's also an edition called 'Urban Night,' based on the RXT variant. You'll also have plenty of colour options—six monotone and two dual-tone options. Renault Kwid boasts an 8-inch system that supports Android Auto and Apple CarPlay.

     

    Other features include entry, manual AC for comfort control and electrically adjustable ORVMs for convenience. Safety is not compromised either—you can count on airbags and ABS with EBD for added protection. All in all, Renault Kwid offers style without compromising safety.

     

    1. Hyundai Grand i10 Nios

     

    Hyundai Grand i10 Nios offers a range of options with five variants available. If you prefer CNG, options of fuel types like Magna or Sportz models are available to meet your requirements.

     

    Grand i10 Nios has a 1.2-litre petrol engine offering manual and AMT transmission options. Loaded with features like an 8-inch display, wireless phone charger, and essential safety elements such as six airbags, ABS, ESC, and TPMS, Grand i10 Nios provides a stylish and secure driving experience. This Hyundai hatchback strikes the balance between style, performance and safety.

     

    Conclusion

    Finding the best hatchback cars in India is a journey filled with innovation, efficiency and style. Each car brings its strengths to the forefront. However, beyond eye-catching designs and impressive performances on the road, it is crucial to prioritise car insurance coverage for a worry-free driving experience that guarantees security.


    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.

  • Top Small Affordable Cars in India

    by Almog Ramrajkar | Apr 15, 2025

    In the dynamic Indian automotive market, where numerous affordable cars attract potential buyers, making a well-informed choice is not easy. Before deciding, you must consider several factors, such as features, mileage, and more. To help you shortlist options, we have compiled a list of the 10 popular small, affordable cars and their key specifications. Whichever car you choose, make sure to protect it with robust car insurance. Besides, it is mandatory to have motor insurance to drive a vehicle on Indian roads.

    So, let’s move on to the list of India’s top 10 small affordable cars.

    List of Small Affordable Cars in India

     

    1.      Renault Kwid

     

    Renault Kwid, often called the mini Renault Duster, combines an SUV’s performance with a hatchback’s compact body. Its rugged and SUV-inspired appearance boasts high ground clearance and a confident stance.

    Beneath the hood, the Kwid is equipped with a 1.0-litre SCe 3-cylinder petrol engine, providing a power output of 54 PS and a torque of 72 Nm. Available in multiple variants like RXL, Neotech, RXE, and RXL AMT, among others, the Kwid offers versatility for various preferences.

    Key Specifications:

    • Mileage: Impressive up to 22.0 kmpl
    • Engine Displacement: Ranging up to 999 cc
    • Fuel Type: Petrol

     

    2.      Tata Tiago

     

    Tata Tiago is the most affordable car offering in Tata’s vehicle lineup. It is powered by a Revotron 1.2-litre, 3-cylinder engine, delivering a robust 86 PS of power and 113 Nm of torque.

    Prioritising safety, the vehicle includes features such as an anti-lock braking system with EBD and CSC, a rear camera, and an impact-sensing auto door unlock.

    Tiago enhances the driving experience with Harman’s 7-inch Connectnext infotainment system and 8 speakers. Additionally, it boasts automatic climate control, a cooled glovebox, and seamless Apple CarPlay and Android Auto connectivity. Available in multiple variants, including XE, XT, XZ, XTA, XZ+, and XZA.

    Key Specifications:

    • Mileage: Impressive up to 23.84 kmpl
    • Engine Displacement: Ranging up to 1199 cc
    • Fuel Type: Petrol

     

    3.      Hyundai Grand i10 Nios

     

    Hyundai Grand i10 Nios takes the lead among small cars in India with its exceptional best-in-segment features. In addition to a 20.25cm infotainment system, driver rear-view monitor, keyless entry, digital speedometer, voice control, and navigation system, it offers a range of advanced amenities. With several variants available, including Era, Magna, Sportz, and Asta, you can choose the model that suits your preferences.

    Key Specifications:

    • Mileage: Impressive up to 24.0 kmpl
    • Engine Displacement: Petrol and CNG – ranging up to 1197 cc, diesel – up to 1186 cc
    • Fuel Types: Petrol, diesel and CNG

     

    4.      Maruti Swift

     

    Maruti Swift, one of India’s best-selling small cars, continues its triumphant journey, now in its third-generation incarnation. It is powered by a BSVI-compliant 1.2-litre K12B 4-cylinder petrol engine, delivering a peppy 81 BHP of power and 113 Nm of torque.

    Enhancing its appeal, the Swift cruises on R15 alloy wheels, elevating its aesthetics. Safety is paramount with features like rear parking sensors with a camera, a crash sensor, an anti-lock braking system, and a hill-control assist.

    Key Specifications:

    • Mileage: Impressive up to 22.0 kmpl
    • Engine Displacement: Ranging up to 1197 cc
    • Fuel Type: Petrol

     

    5.     Maruti Baleno

     

    Maruti Baleno, a standout in its class, is powered by a 1.2-litre VVT petrol engine, churning out a robust 84BHP of power and 140 Nm of torque. It boasts impressive exteriors, luxurious interiors, and many appealing features. Its windows feature UV-cut glass, protecting from harmful UV radiation and maintaining a cooler cabin environment.

    In terms of appearance, Maruti Baleno makes a statement with distinctive project LED headlamps featuring LED DRLs, striking two-tone R16 alloy wheels, and elevated ground clearance. Available in various variants, including LXI, VXI, ZXI, and ZXI+.

    Key Specifications:

    • Mileage: Impressive up to 23.87 kmpl
    • Engine Displacement: Ranging up to 1197 cc
    • Fuel Type: Petrol

     

    6.     Citreon C3

     

    Citroen C3 is priced at ₹5.88 lakh. It offers two engine options and prioritising fuel efficiency with its six-speed manual transmission. Prominent features encompass height-adjustable driver seats, a user-friendly 10-inch touchscreen infotainment system, and a four-speaker sound system. Prioritising safety, it includes ABS with EBD, rear parking sensors, and dual front airbags.

    Key Specifications:

    • Mileage: Up to 19.4 kmpl
    • Engine Displacement: Ranging up to 1199 cc
    • Fuel Type: Petrol

     

    7.     Maruti Wagon R

     

    Maruti Wagon R, a beloved hatchback from Maruti, ranks among the best small cars in India. It offers two engine options paired with a five-speed manual transmission. The vehicle offers a seven-inch touchscreen display, a four-speaker music system, and steering-mounted audio and phone controls. Prioritising safety, it is equipped with ABS with EBD, dual front airbags, rear parking sensors, and a hill-hold assist system, ensuring passenger security.

    Key Specifications:

    • Mileage: Impressive up to 24.43 kmpl
    • Engine Displacement: Ranging up to 1197 cc
    • Fuel Type: Petrol

     

    8.      Tata Altroz

     

    Tata Altroz, available at ₹6.60 lakh to ₹10.74 lakh (ex-showroom Delhi), offers diverse options for various preferences. It is offered in six major variants: XE, XM, XM+, XT, XZ, and XZ+. Regarding boot space, both the petrol and diesel versions provide ample storage with 345 litres, while the CNG variants offer slightly less at 210 litres.

    The Altroz offers three engine choices: a 1.2-litre naturally aspirated petrol engine generating 86 PS/113 Nm, a 1.2-litre turbo-petrol engine with 110 PS/140 Nm, and a 1.5-litre diesel engine producing 90 PS/200 Nm.

    Key Specifications:

    • Mileage: Impressive up to 25.11 kmpl
    • Engine Displacement: For petrol engines, the capacity is limited to 1199 cc, while for diesel engines, the limit is set at 1497 cc.
    • Fuel Types: Petrol and diesel

     

    9.      Maruti Alto 800

     

    Maruti Alto 800 is one of India’s most enduring and beloved small cars. It has maintained its prominence in the Indian automobile industry. This resilient vehicle has evolved to adapt to the ever-changing market, refining its design, specifications, and features. It offers a range of variants, including LXI, VXI, VXI Plus, and STD, among others.

    Key Specifications:

    • Mileage: Impressive up to 22.05 kmpl on petrol and 32.99 km/kg on CNG
    • Engine Displacement: Ranging up to 796 cc
    • Fuel Types: Petrol and CNG

     

    10.      Maruti Ignis

     

    Competitively priced, Maruti Ignis costs between ₹5.84 lakh and ₹8.16. It offers customers a choice of four primary variants: Sigma, Delta, Zeta, and Alpha.

    When it comes to aesthetics, the Ignis stands out with a palette of six monotones and three dual-tone colours, offering options like Nexa Blue, Lucent Orange, Silky Silver, Turquoise Blue, Glistening Grey, Pearl Arctic White, Pearl Midnight Black, Lucent Orange with a black roof, Nexa Blue with a silver roof and Nexa Blue with a black roof.

    Powering the Ignis is a 1.2-litre petrol engine that delivers 83 PS of power and 113 Nm of torque. Customers can choose between a 5-speed manual or a 5-speed AMT (automated manual transmission), offering a fuel efficiency of 20.89 kmpl.

    Adding to its appeal, the Ignis features a 7-inch touchscreen infotainment system with Apple CarPlay and Android Auto compatibility. It also has LED projector headlights featuring DRLs (Daytime Running Lights) and automatic climate control for enhanced convenience.

    Key Specifications:

    • Mileage: Impressive up to 20.89 kmpl
    • Engine Displacement: Ranging up to 1197 cc
    • Fuel Type: Petrol

     

    Frequently Asked Questions

     

    1.      What are the popular cars under ₹6 lakhs?

     

    The Indian automotive market offers a variety of small, affordable cars under ₹6 lakhs, including the Maruti Swift, Maruti Alto, Hyundai Grand i10, Maruti Baleno, Renault Kwid, Tata Altroz, Maruti S-Presso, Tata Tiago and Renault Triber.

     

    2.      Are there any elegant small cars in India?

     

    Yes, there are some small elegant cars like Maruti Baleno and Tata Altroz.


    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.

  • All You Need to Know About Vintage Car Insurance

    by Almog Ramrajkar | Apr 15, 2025

    With their old, classic charm, vintage cars are fascinating, rare, and costly. Not only is their purchasing cost high, but the expenses to maintain them are on the higher side, too. The general definition of a vintage car is decided by the manufacturing date; it should have been built between 1919 and 1930.

    Did you know that there is vintage car insurance? Let us discuss this concept of old car insurance in detail.

    Types of Vintage Car Insurance

    The Vintage and Classic Car Club of India (VCCCI) must officially certify a vehicle as vintage. There are three types of vintage car classifications —

    1. Vintage Cars: According to VCCCI standards, cars manufactured between 1919 and 1930 are vintage. In contrast to the other two categories, the value of a vintage car remains relatively stable even after undergoing modifications.
    2. Classic Cars: Vehicles produced between 1940 and 1970 fall under the Classic car category. These automobiles should remain unaltered and maintain their original specifications. Any extensive modifications disqualify a car from being classified as Classic.
    3. Antique Cars: Vehicles manufactured from 1930 to 1940 are antique cars. Antique cars should undergo minimal modifications and retain their original design.

    Regarding insurance, there are only two car categories: Classic and Vintage. Antique cars are included in the Classic category.

    There are two types of vintage car insurance —

    1. Stated Value Vintage Car Insurance: This plan factors in depreciation based on the owner’s estimation of the car’s worth.
    2. Agreed Value Policy: This vintage car insurance sub-category is based on a mutually agreed-upon value between the owner and the insurance provider.

    Factors, such as premium costs, must be considered before selecting a vintage car insurance policy. 

    Factors Impacting Vintage Car Insurance

    Current car value significantly impacts insurance rates. Unlike modern cars with fixed values, vintage car valuation proves challenging. The following factors affect old car insurance —

    1. Car Age: To value a car as per its age, insurers refer to VCCCI guidelines. The criteria for categorisation may vary among car insurance companies.
    2. Maintenance Costs: Vintage cars may need frequent repairs, leading to increased premiums. So, car insurers conduct thorough vehicle inspections to gauge expected maintenance expenses. The higher the maintenance cost of a vintage car, the higher the insurance premium on the policy.
    3. Spare Parts Cost: Vintage car spare parts are scarce and costly. They often require to be imported. This factor significantly influences insurance premiums as the rarer the spare part, the higher the premium.

    Conclusion

    Vintage cars are high-priced. Owning a vintage car comes with exorbitant maintenance costs. This has made the concept of making vintage car insurance increasingly popular. But before purchasing vintage car insurance, it is important to determine the car’s category.

    Factors influencing vintage car insurance include the age of the car, its current value, expected maintenance costs, and the price of spare parts. Vintage car owners often face difficulties in sourcing costly spare parts. Some of the spare parts may even need to be imported.

    Certification and evaluation from the VCCCI are essential to secure vintage car insurance. Based on the assessment, owners and insurance companies can mutually agree on the sum insured. It is imperative to thoroughly review policy terms and conditions to understand the coverage provided, particularly the limitations and exclusions.

    Vintage cars frequently participate in rallies, exhibitions, and public events. Old car insurance should cover any damage incurred during such occasions through separate event-specific coverage or as part of the policy terms.


    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.  

  • Difference Between Front and Rear Wheel Drives

    by Almog Ramrajkar | Apr 15, 2025

    Choosing between front-wheel drive (FWD) and rear-wheel drive (RWD) is important when selecting a vehicle. It greatly impacts the handling, performance and overall driving experience. For car buyers looking to make an informed decision, it's important to have a comprehensive understanding of the differences between these two drivetrain configurations.

     

    In this exploration, we will delve into the characteristics and differences between front-wheel drive and rear-wheel drive, shedding light on their advantages and considerations. This knowledge will help you navigate the world of cars effectively and choose a vehicle that aligns best with your preferences and driving needs.

     

    What is Front Wheel Drive (FWD)?

     

    Front-wheel drive (FWD) is a configuration where most of the engine's power goes to the vehicle's front wheels. In this setup, the front wheels transmit power from the engine to the road and steer the vehicle. This differs from rear-wheel drive (RWD), where power is sent to the rear wheels, and the steering is in the hands of the front wheels.

     

    FWD vehicles typically offer certain advantages, such as traction in slippery conditions and easier handling. These factors contribute to their popularity as choices for daily commuting and family vehicles. It has fewer components than other drivetrain setups, resulting in lighter cars and improved fuel economy.

     

    FWD is also ideal for driving in rainy conditions, and modern systems often include traction control for snow conditions. However, it's important to ensure car insurance coverage regardless of the driving scenario.

     

    What is Rear Wheel Drive (RWD)?

     

    Rear wheel drive (RWD) is a drivetrain configuration where the power from the engine primarily goes to the vehicle's rear wheels. In RWD vehicles, the rear wheels transmit power from the engine to the road and propel the vehicle forward. This differs from front-wheel drive (FWD), where the front wheels handle power delivery and steering.

     

    RWD is often associated with performance-oriented vehicles due to its better balance and handling characteristics. The division of tasks between rear wheels contributes to improved traction during acceleration.

     

    While RWD vehicles may not be as common as FWD in cars, they are popular in segments such as sports cars and luxury vehicles.

    Differences Between Front-wheel Drive and Rear-wheel Drive

     

    This table summarises Front-wheel Drive vs Rear-wheel Drive:

     

    Aspect

    Front-wheel Drive(FWD)

    Rear-wheel Drive (RWD)

     

    Weight

    Generally lighter due to fewer components.

    It may be heavier due to additional components like the propeller shaft and differential.

    Clutch and gearbox

    The clutch, gearbox, and differential are in a single unit.

    The clutch and gearbox are not a part of a single unit.

    Luggage space

    Generally more spacious due to compact design.

    The transmission tunnel may impact trunk space.

    Propelling shaft and differential

    No propeller shaft; the differential is usually integrated and placed at the front.

    A propeller shaft connects the front and rear differentials.

    Power distribution

    Engine power is sent primarily to the front wheels.

    Power is directed to the rear wheels and the front wheels control steering.

    Weight distribution

    Front-heavy due to engine placement.

    Potentially more balanced rear-biased weight distribution.

    Handling characteristics

    (traction)

    Better traction during acceleration. Also, the holding capacity is good at curves.

    Less traction on roads and less holding capacity as well.

    Complexity and maintenance

    Simpler design, easier maintenance.

    It may be considered more complex, potentially requiring more maintenance.

    Driving conditions

    Well-suited for dry, rainy conditions.

    Advantages in performance driving: may require caution in slippery conditions.

    Vehicle Type

    Common in the economy and everyday vehicles.

    Found in sports cars, luxury vehicles, and performance cars.

    Examples

    Toyota Corolla, Honda Civic

    BMW 3 Series, Ford Mustang

     

    Frequently Asked Questions

     

    Is it better to have FWD or RWD?

    The choice between Front-wheel Drive (FWD) and Rear-wheel Drive (RWD) depends on preferences and specific requirements. Typically, FWD cars are popular for their fuel efficiency and spacious interiors, making them suitable for everyday driving. On the other hand, RWD cars are preferred for high-performance sports vehicles that offer enhanced capabilities.

     

    Is RWD not safe?

    Rear-wheel Drive (RWD) cars may not be a wise option for driving on snowy roads as they tend to oversteer or fishtail. In such conditions, especially when traction is reduced, RWD vehicles can present challenges in terms of stability and control.

     

    Can FWD cars drift?

     

    Technically, Front-wheel Drive (FWD) cars can perform drifting manoeuvres with the right technique, speed, and timing. However, it's crucial to note that attempting drifting should be limited to controlled environments like designated tracks. It is not recommended on private or public roads due to safety concerns.


    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.  

  • Top Selling Cars in India

    by Almog Ramrajkar | Apr 15, 2025

    The Indian automobile market is a car enthusiast’s paradise. The most-selling cars in India range from compact hatchbacks to rugged off-roaders. These vehicles reflect the pulse of consumer preferences and encapsulate the essence of popularity and performance in the bustling Indian automotive landscape. Join us on this exploration to unveil the names and features of the cars that have successfully claimed the title of the most selling in India, showcasing their undeniable allure and widespread acclaim.

     

    List of The Best-Selling Cars in India

     

    Let us embark on a journey through the dynamic automotive landscape of India as we delve into the details of the best-selling cars in India. These vehicles, renowned for their fuel efficiency and cutting-edge features, serve as a testament to the discerning preferences of Indian automotive enthusiasts.

    1.      Maruti Suzuki Brezza

     

    The Maruti Suzuki Brezza, a stylish and robust vehicle, is at the top of India’s best-selling SUVs list. Its power comes from a 1.5-litre K-Series petrol engine, churning 101.65 BHP and 136.8 Nm of torque. The Brezza offers a five-speed manual and an automatic transmission, thanks to Smart Hybrid Technology. With a seating capacity of five, it provides ample room for passengers.

    Moreover, its elevated ground clearance of 198 mm guarantees a comfortable ride, even on uneven or rugged roads.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹8.29 lakh
    • Engine Displacement: 1462 cc
    • Mileage:38 to 25.51 kmpl
    • Fuel Types: Petrol and CNG
    • Transmission Options: Manual/Automatic
    • Boot Space: 328 litres
    • Seating Capacity: 5
    • Airbags: 6

     

    2.      Hyundai Creta

     

    Following closely on the list of Indian SUVs is the Hyundai Creta, available in a remarkable range of 7 variants. Starting with the base model, the Hyundai Creta E, and reaching the pinnacle with the Hyundai Creta SX Opt Turbo, Hyundai offers a choice for every preference.

    The Creta SUV lineup features manual and automatic transmissions, delivering a robust power output of 138.08 BHP at 6000 RPM and a peak torque of 242 Nm at 1500-3200 RPM. With a seating capacity of 5, it’s ideal for larger families who enjoy embarking on journeys together.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹10.87 lakh
    • Engine Displacement: 1493 – 1497 cc
    • Mileage:8 – 23 kmpl
    • Fuel Types: Diesel/Petrol
    • Transmission Options: Manual/Automatic
    • Boot Space: 433 litres
    • Seating Capacity: 5
    • Airbags: 6

     

    3.      Tata Nexon

     

    Securing the second position among India’s top SUVs is the Tata Nexon, available in five enticing variants: XE, XM, XZ, XZ+ and XZA+. All these models feature a comfortable five-seater layout, making them suitable for various needs.

    The Nexon boasts BS-VI-compliant petrol and diesel engines, delivering a robust performance.

    The turbocharged engine impressively produces a maximum torque of 260 Nm at 1500-2750 RPM and a peak power of 113.31 BHP at 3750 RPM.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹8.10 lakh
    • Engine Displacement: 1199 – 1497 cc
    • Mileage:01 – 24.08 kmpl
    • Fuel Types: Diesel/Petrol
    • Transmission Options: Manual/Automatic
    • Boot Space: 382 litres
    • Seating Capacity: 5
    • Airbags: 6

     

    4.      Hyundai Venue

     

    Hyundai Venue secures the 4th spot among India’s best SUVs, boasting cutting-edge technologies and unique features. Its potent engine delivers a maximum power of 118.41 BHP at 6000 RPM and a peak torque of 172 Nm at 4500 RPM. The vehicle offers a generous ground clearance of 190 mm, ensuring smooth rides even on challenging terrains.

    This 5-seater Hyundai model features an advanced control system, allowing drivers to effortlessly select from three drive modes and three 2WD traction modes using a single jog dial.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹7.89 lakh
    • Engine Displacement: 998 – 1493 cc
    • Mileage: Impressive 24 kmpl
    • Fuel Types: Petrol/Diesel
    • Transmission Options: Manual/Automatic
    • Boot Space: Spacious 350 litres
    • Seating Capacity: 5
    • Airbags: 6

     

    5.      Tata Punch

     

    Tata Punch is one of the most selling cars in India. One of India’s top compact SUVs, it offers 33 variants to cater to diverse preferences.

    Beneath the hood, it houses a 1.2-litre petrol engine, delivering a spirited performance with a maximum power output of 86.63 BHP at 6000 RPM and a peak torque of 115 Nm at 32500 RPM.

    Equipped with a 7-inch touchscreen display featuring connected car technology, the SUV complements this with a 7-inch semi-digital instrument panel. Prioritising safety, it includes dual front airbags, ABS with EBD, and front and rear parking sensors to enhance the driving experience.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹6 lakh
    • Engine Displacement: 1199 cc
    • Mileage: Impressive range from 18.8 to 26.99 kmpl
    • Fuel Types: Petrol/CNG
    • Transmission Options: Manual/Automatic
    • Boot Space: Generous 366 litres
    • Seating Capacity: Accommodates 5 passengers
    • Airbags: 2

    6.      Mahindra Bolero

     

    Amongst India’s most popular cars is the Mahindra Bolero. Mahindra Bolero, a 7-seater SUV, starts at ₹ 9.79 lakh in India. It features a 1.5 litre diesel engine with manual transmission. It has a claimed mileage of 16 kmpl. It comes with a ground clearance of 180 mm. It comes in three variants and offers a choice of three attractive colours.

    With a seating capacity of five, the Bolero prioritises safety with features such as an anti-lock braking system (ABS), reverse parking assistance, and dual airbags.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹9.79 lakh
    • Engine Displacement: 1493 cc
    • Mileage: A respectable 16 kmpl
    • Fuel Type: Diesel
    • Transmission: Manual
    • Boot Space: Spacious 370 litres
    • Seating Capacity: Accommodates 7 passengers
    • Airbags: 2

     

    7.      Mahindra Scorpio N

     

    If you’re searching for a 7-seater SUV in India, consider the Mahindra Scorpio N. It has a commanding performance with a maximum torque of 400 Nm at 1750-2750 RPM and a robust 172 BHP of power at 3500 RPM.

    The Scorpio N has advanced features, including cruise control, auto headlamps with LED DRLs, automatic air conditioning, an 8-inch touchscreen infotainment system, and Bluetooth and AUX connectivity.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹13.25 lakh
    • Engine displacement: 1997 – 2198 cc
    • Mileage: Impressive range from 19.38 to 27.97 kmpl
    • Fuel Types: Petrol/CNG
    • Transmission Options: Manual/Automatic
    • Boot Space: Spacious 460 litres
    • Seating Capacity: Accommodates 7 passengers
    • Airbags: 6

     

    8.      Maruti Grand Vitara

     

    Maruti Grand Vitara, recognised as one of India’s finest SUVs, offers versatility with options for both petrol and CNG engines, along with manual or automatic transmissions.

    It features two impressive petrol engine choices: a 1.5-litre mild-hybrid petrol engine and a robust 1.5-litre strong-hybrid petrol engine, delivering maximum powers of 103PS and 116PS, respectively.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹10.70 lakh
    • Engine Displacement: 1462 – 1490 cc
    • Mileage: Impressive range from 19.38 to 27.97 kmpl
    • Fuel Types: Petrol/CNG
    • Transmission Options: Manual/Automatic
    • Boot Space: Spacious 373 litres
    • Seating Capacity: Accommodates 5 passengers
    • Airbags: 6

     

    9.      Kia Sonet

     

    Kia Sonet stands out among compact SUVs. This versatile car has six trims: HTE, HTK, HTK+, HTX, HTX+ and GTX+.

    Kia has equipped the Sonet with an electric sunroof and comfortable 5-seater configurations. Under the hood, it packs a punch, generating a maximum power of 114.41 BHP at 4000 RPM and a formidable 250 Nm of torque at 1500-2750 RPM. It is one of the most affordable SUVs in India, with a starting price of ₹7.79 lakh.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹7.79 lakh
    • Engine Displacement: 998 – 1493 cc
    • Mileage: Impressive 18.2 kmpl
    • Fuel Types: Diesel/Petrol
    • Transmission: Automatic
    • Boot Space: Spacious 392 litres
    • Seating Capacity: Accommodates 5 passengers
    • Airbags: 6

     

    10.      Kia Seltos

     

    The Kia Seltos, another contender in India’s list of top 10 SUV cars, stands out as a remarkable compact SUV. Kia offers this compact SUV in three trims: Tech (HT) Line, GT Line and X-Line, each offering versatile 5-seating configurations.

    Within the Tech (HT) Line, you’ll find five variants: HTE, HTK, HTK+, HTX and HTX+, while the GT Line comes in two variants: GTX(O) and GTX+.

    Key Specifications:

    • Ex-Showroom Price: Starting at ₹10.90 lakh
    • Engine Displacement: 1482 – 1497 cc
    • Mileage: A respectable range from 17.0 to 20.7 kmpl
    • Fuel Types: Diesel/Petrol
    • Transmission Options: Manual/Automatic
    • Boot Space: Spacious 433 litres
    • Seating Capacity: Accommodates 7 passengers
    • Airbags: 6

     

    Conclusion

     

    Exploring the top-selling cars in India not only provides insights into popular choices but also underscores the importance of safeguarding these valuable investments. As car buyers navigate options, considering factors like performance, features, and fuel efficiency, it is equally essential to prioritise protection through comprehensive car insurance. Choosing the right insurance coverage ensures not only the longevity and well-being of the vehicle but also peace of mind for the owner. As the automotive landscape evolves, a thoughtful combination of a top-selling car and a robust insurance plan ensures a secure and enjoyable journey on India’s diverse roads.


    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.

  • Popular SUV Cars in India

    by Almog Ramrajkar | Apr 15, 2025

    If you’re on the hunt for the perfect SUV that suits your needs, you’ve come to the right place. In the diverse world of automobiles, SUVs (Sports Utility Vehicles) have become extremely popular, winning over consumers with their stylish looks, performance capabilities, and versatility. The SUV market in India has witnessed tremendous growth, with manufacturers introducing innovative designs, cutting-edge technology and impressive features to meet the demands of potential customers. Choosing the best SUV goes beyond practicality; it reflects an individual’s lifestyle, aspirations and desire for a seamless driving experience.

     

    Detailed List of the Best SUV Cars in India

     

    Car enthusiasts look for various features before giving their verdict. You may be one of them or simply looking for a car that meets your varied requirements. SUVs remain a popular choice for car enthusiasts as well as those looking for comfort on wheels. Whether it is the seating capacity, high ground clearance to enable the car to absorb road shocks or comfortable and spacious interiors, the popularity of SUVs keeps rising. If you’re considering purchasing one, here’s a compilation of the best SUVs in India that exemplify power, comfort, and contemporary design while ushering in an era of automotive advancement.

     

    1.      Maruti Suzuki Brezza | Starting at ₹8.29 lakh

     

    Thanks to its affordability, Maruti Suzuki Brezza leads the pack as one of India’s highest-selling SUVs. This SUV boasts an impressive exterior coupled with robust features and is powered by an impressive 1.5-litre K-Series petrol engine that churns out 101.65 BHP of power and 136.8 Nm of torque.

     

    With the integration of Smart Hybrid Technology, the Brezza offers versatility in driving experience, giving you the choice between a five-speed manual or an automatic transmission. With a capacity for up to 5 passengers, its elevated ground clearance of 198 mm ensures a smooth ride on challenging roads.

     

    2.      Tata Punch | Starting at ₹6 lakh

     

    This compact SUV makes a statement with a line-up of 33 different variants. Powered by a 1.2-litre petrol engine, this small powerhouse delivers power of 86.63 BHP at 6000 RPM and generates a torque of 115 Nm at 32500 RPM.

    Safety and modernity are priorities in the Tata Punch, equipped with features like a car technology-enabled 7-inch touchscreen display, a semi-digital instrument panel measuring seven inches, dual front airbags, ABS with EBD (Electronic Brakeforce Distribution) and front and rear parking sensors. With its style, efficiency and advanced safety features, the Tata Punch stands out as an appealing choice in India’s competitive SUV market.

     

    3.      Hyundai Venue | Starting at ₹7.89 lakh

     

    The Hyundai Venue comes in as the most affordable contender on our list of SUV cars in India. It’s a compact powerhouse that combines technologies and unique features. With a starting price of just ₹7.89 lakh, the Venue offers an engine that can generate a maximum power of 118.41 BHP at 6000 RPM and a torque of 172 Nm at 4500 RPM. This 5-seater SUV also boasts a ground clearance of 190 mm, providing both style and substance.

     

    One standout feature of the Hyundai Venue is its control system, allowing car owners to easily switch between three drive modes and three 2WD traction modes using a jog dial.

     

    4.      Tata Nexon | Starting from ₹8.10 lakh

     

    With a starting price of ₹8.10 lakh, the Nexon establishes itself as a perfect option for those looking for a well-rounded SUV experience in India. This feature-packed car is available in five variants. XE, XM, XZ, XZ+ and XZA+, all featuring a seating arrangement for five people, the Nexon stands out for its versatility and stylish design.

     

    Tata Nexon’s petrol and diesel engines comply with BS VI standards and deliver robust performance. The Turbocharged engine generates a torque of 260 Nm at 1500-2750 RPM and achieves a maximum power output of 113.31 BHP at 3750 RPM. Safety is also paramount in the Tata Nexon, which has six airbags and a feature-rich interior.

     

    5.      Mahindra Bolero | Starting at ₹9.79 lakh

     

    If you’re in the market for top-selling SUVs in India, the Mahindra Bolero is worth considering. It comes with a 1.5-litre diesel engine paired with a 5-speed manual transmission. The Bolero offers a powerful and efficient performance with a maximum power of 75 BHP at 3600 RPM and torque of 210 Nm at 1600-2200 RPM.

     

    Safety is not compromised either, as it includes features like an anti-lock braking system (ABS), reverse parking assistance, and dual airbags to ensure both practicality and peace of mind.

     

    6.      Hyundai Creta | Starting from ₹10.87 lakh

     

    Continuing our exploration of the best SUV cars in India, we come across the Hyundai Creta, a name synonymous with elegance and performance. The Hyundai Creta SUV offers a range of options with seven variants. Whether you prefer the base model Creta E or the top-tier Creta SX Opt Turbo, there’s something for everyone.

     

    You’ll find automatic and manual transmissions in the Creta line-up, providing a maximum power output of 138.08 BHP at 6000 RPM and 242 Nm at 1500-3200 RPM torque. With seating for up to five people, it’s a family car that offers comfortable seating. 

     

    7.      Honda Elevate | Starting at ₹10.99 lakh

     

    Meanwhile, the Honda Elevate provides an added touch of luxury with features such as a pane sunroof and advanced driver assistance systems available through the Honda Sensing package. Powered by the 1.5-litre i-VTEC petrol engine, it delivers a peak output of 89 kW (119 hp) and 145 Nm of torque for a powerful and responsive driving experience. These attributes make the Elevate an enticing choice for those seeking sophistication and performance in a compact SUV. The car covers all the aspects well and excels in the areas most important for everyday driving.

     

    8.      Maruti Grand Vitara | Starting at ₹10.70 lakh

     

    Maruti Grand Vitara confidently takes its place as one of the best SUVs in India. It offers versatility with options for both petrol and CNG engines as manual or automatic transmission choices. The Grand Vitara comes equipped with two petrol engine options: a 1.5-litre petrol engine and a 1.5-litre hybrid petrol engine. These engines deliver 103PS and 116PS, respectively, ensuring a dynamic driving experience for SUV enthusiasts. This 5-seater is perfect if you are looking for a compact design with robust performance catering to your everyday needs.

     

    9.      Kia Seltos | Starting at ₹10.90 lakh

     

    The Kia Seltos has quickly become a standout in the compact SUV category, offering a combination of style, performance, and advanced features. With multiple variants and three trims catering to a range of buyers, from practicality-focused individuals to those seeking a sportier driving experience. The Seltos comes with 6 airbags and a boot space of 433 litres. It offers a 17-27.7 km/l mileage and an engine displacement of 1482-1497 cc. It comes in both 5- and 7-seater arrangements. Its sleek, modern exterior design and various high-tech features set it apart in the crowded SUV market.

     

     

    10.      Mahindra Scorpio N | Starting at ₹13.25 lakh

     

    Looking for a perfect 7-seater SUV in India? The Mahindra Scorpio N is a great choice. This feature-packed car has a robust engine delivering a torque of 400 Nm at 1750-2750 RPM and a maximum power of 172 BHP at 3500 RPM. The Scorpio N ensures a comfortable and connected journey with advanced features like cruise control, auto headlamps with LED DRLs, auto AC, an 8-inch infotainment system, and Bluetooth and AUX connectivity.

    Conclusion

     

    Whether you’re looking for a compact and city-friendly SUV or an off-road capable one, plenty of options suit different preferences. By exploring car insurance coverage options specifically designed for SUV owners, you not only ensure protection on the road but also gain peace of mind.


    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.  

  • Why is it Important to Have a First Aid Kit in Your Car?

    by mohit bohra | Apr 15, 2025

    A road trip or a long drive in a car, traversing scenic stretches of land is an exciting and thrilling experience. But, there are possibilities for unpredicted road incidents to happen anytime. So, before venturing out for an adventurous road trip, make sure you have the essential supplies to combat or protect yourself against unforeseen unpleasant incidents while on the way. Car insurance documents and a first aid kit with all the basic supplies are essential to carry in your vehicle as a measure to safeguard against any accidents or mishaps.

    Comprehensive car insurance can cover all of the expenses for damage repair and legal liabilities in case of bodily injury or death of a third party. While travelling, always keep a first aid kit in the car. This can be of use in events that require immediate medical attention.

    What is a First Aid Kit?

     

    A first aid kit is a small medical kit or box that contains essential medicines and other supplies that you can use to treat minor to moderate health conditions or injuries. This can address the immediate need for medical assistance or treatment for a person before being taken to a healthcare centre for more appropriate care.

    A first aid box for a car typically and ideally contains supplies for treating pain, swelling, minor cuts, scrapes, and burns. The contents of the medical kit should be replaced and replenished from time to time. Supplies with an expiry period, like medicines, must be checked occasionally and restocked with new ones.

    Things to Keep in Your Car’s First Aid Kit

     

    A first aid kit kept in a car should essentially contain the following items:

    • Band-aid to seal wounds or cuts
    • Bandages to control bleeding and support injured joints
    • Hand sanitiser to disinfect your hands before treating an injury
    • Scissors to cut bandages or clothes
    • Pain relief medicines and sprays
    • Thermometer
    • Safety pins to secure the bandage
    • Antiseptic cleaners to wash the wounds
    • Antibiotic ointments to apply on scrapes or minor wounds

     

     

    What are the Benefits of Having a First Aid Kit in Your Car?

     

    While travelling, it is necessary to take care of safety and consider it your priority than reaching the destination on time in a hurry. With a first aid kit in the car, you can ensure immediate medical help in case of unfortunate happenings.

    Here are the benefits of having a first aid box for a car.

    • Prepared to deal with emergencies: Having to face an emergency medical situation while on the road can cause panic. But if you have a well-equipped first aid kit in the car, it can be a great relief and provide immediate help. The essential supplies in the medical kit prove useful in such instances and prevent the situation from escalating and causing any harm.
    • Enables quick response: When accidents occur on the roadside, using a first aid kit gives you time to call an ambulance and wait for medical aid to reach the spot or take the injured to a nearby hospital. First aid also plays a role in further treatment and recovery.
    • Limit casualties: Having a medical kit to respond to conditions that demand immediate medical care can help limit the casualties.
    • Peace of mind: Carrying a first aid box in the car will give you peace of mind. It assures you that you and your loved ones will get emergency care in case of any accidents.

     

    How Can Car Insurance Offer Additional Protection?

     

    Having a car insurance policy is imperative to deal with any accidents, mishaps, or vehicle failure. It is equally important as carrying a first aid box. Car insurance offers financial protection to the vehicle owner against any expenses incurred from the accident. Let’s look at how it can offer added security.

    • Protection against damages: Car accidents that cause severe damage or even a minor bend to the vehicle can cost you a lot in its repair and servicing. The reconditioning charge can get higher according to the degree of damage and the car model. Having a car insurance policy will help you deal with the financial burden to some extent. The insurance company will compensate fairly for the damages to the car and the treatment of the policyholder. In the event of death due to an accident, the insurer will provide benefits to the survivor.
    • Coverage against personal hazards: Many car insurance policies offer personal accident coverage. Such a plan will cover the medical expenses of the car owner if the person sustains an injury from an accident. The insurance policy will also compensate for the permanent disabilities of the insured, and in case of the car owner’s demise, the nominee or legal heir will receive the compensation.
    • Coverage against third-party liability: It is mandatory for car owners to take third-party car insurance. It will protect the insured person against the liabilities arising from damage caused to the property of the other party involved in the accident. Injury or any other loss incurred by a third party because of the car owned by the individual also gets covered under third-party car insurance.

     

    Conclusion

     

    Everyone wishes for a safe and pleasant journey. No one will ever like to encounter any unpleasant circumstances while driving a car, be it an accident or mishap due to human fault, vehicle failure, poor road conditions, or inclement weather. Considering the increasing cases of road accidents happening in our country, it is always better to take precautions to deal with such situations. Purchasing a comprehensive car insurance policy and keeping a fully stocked first aid box in the car is the first step towards taking measures to deal with emergencies on the road.


    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.  

    Related Articles:

     

  • What is a Defogger in a Car?

    by mohit bohra | Apr 15, 2025

    Driving during monsoons or on rainy days is especially pleasant and enchanting, but it also brings in some challenges. Heavy rainfall can often obstruct the sight of the driver. The visibility of the road ahead can further get blocked or blurred by the fogged-up windshield. This adds to the difficulty of steering on a rainy day, and is dangerous to navigate the wet roads during such conditions. But worry not; there is a device you can rely on called a ‘defogger’ to solve this fogging issue. We will delve into what a defogger is in a car, the way it works and much more.

    Meaning of a defogger and the way it works

    Have you ever wondered what a defogger is in a car? A defogger is a device in a vehicle that works to remove condensed water droplets or ice from the main windshield, side windows, and rear windscreen. By doing so, it improves visibility, especially during rainy or foggy days. The device is also known as a demister or defroster. There are two types of demisters based on their working principles: primary and secondary. Before looking into the working of a defogger, we’ll dive into why the windscreens get fogged up during the rainy season in the first place.

    Fogging is a phenomenon that happens when warm air comes in contact with a cold surface. During monsoon or cold climates, the vehicle's windscreen gets chilly faster, and when the surrounding relatively warm air touches this surface, condensation occurs. This results in the accumulation of tiny water droplets on the windshield's surface.

    The primary defogger in a car works with the help of the vehicle's HVAC (Heating, Ventilation, and Air Conditioning) system. It draws in fresh air and dehumidifies it. The dehumidified air then passes into the heater core, where it gets heated. The dry, hot air is then passed through different vents and circulated to different areas inside the car, including the windshield. Primary defoggers mainly function to clear the front windscreens.

    The secondary defogger in a car operates by restive electric heating. The glass surface of the vehicle is pasted with the filaments of heating material, and when the system gets turned on, the electric current passes through the filaments and produces heat. This heat melts the condensed water. A secondary defogger is mainly employed to clear the rear windscreen.

    How can you use a defogger to demist the windshield?

    A windshield defogger is a common feature of any four-wheeler. It can demist the front windscreen and clear the glass for the driver to get a better view of the road when it rains. The following steps will activate the primary defroster in your car.

    • In the dashboard, you’ll find a button with a symbol that looks like a curved window with three squiggly arrows crossing it.
    • Press the button just once, and the defogger of your car will get activated. The icon on the button will get illuminated when the defrost function turns on.
    • Once the defogger gets activated, the hot air from the heating core of the HVAC system is channelled to the desired locations in the car, including the windshield, to clear the fogginess of the glass.
    • To deactivate the defroster after use, press the same defogger button again.

     

    How to defog car windows in the rain when the AC is on?

    Do you know that apart from the defogger in the car, the vehicle’s AC can help defog the front windshield, windows and rear windscreen? You can use the AC system effectively clear the fog in certain circumstances, such as during monsoons and cold weather. Switch on the AC and increase the temperature; this will raise the heat inside the car cabin. It will result in warm air circulating inside the car and hitting the windshield. This will make the glass of the windscreen hot and causes the moisture to evaporate, clearing the surface. The car’s heater and defogging vents on the bottom of the windscreen work together to demist the glass.

    Another way to defog the windshield is by dehumidifying the air inside the car cabin. You can use the AC system to accomplish this. Since a majority of the new car models come with climate controls, activating the defrost settings will automatically turn on the AC. This will dehumidify the interior air first and then warm it up by blowing out the hot air from the heater core. The heated air circulating inside the car will strike the windshield and defrost the glass.

    How to defog car windows in the rain when AC is off?

    Demisting the windscreen and windows is difficult in a car that has no AC system or if the AC is not working or is faulty. In such cases, a defogger can come to your help. You can follow the steps below:

    • Switch the defroster on and adjust to a low setting
    • Turn off the recirculate setting to allow fresh air to flow into the car

    But what if both the AC and defogger are defective? You can then follow this alternative process:

    • Roll down the car windows
    • This allows warm air to enter the cabin
    • As the interior starts getting filled with warm air, the moisture-laden air from inside will escape outside.
    • This will help clear the mist on the glass

    Steps to defog the rear window of your car

    A clear rear windscreen is equally necessary as a front windshield. It helps the driver to see the traffic behind the vehicle when observed through the rearview mirror inside the cabin. So, fogging of the rear windscreen can hinder the view of the row of vehicles behind your car. Thus, it becomes essential to clear the fogged-up rear glass. Follow the steps detailed below to defrost the rear windscreen.

    1. Turn on the defogger.
    • Some cars have two separate defogger buttons, one for the front windshield and another for the rear windscreen.
    • If your car has a rear defrost button, use that.
    • The rear defogger button can be located on the vehicle’s dashboard. It has a symbol that looks like a rectangular window with three squiggly arrows crossing it.
    • Press the defrost button once
    • Switching on the button will send electricity to the very fine heating wires pasted across the rear windscreen.
    • Heated wire evaporates the water droplets on the glass and clears it.

     

    1. Turn on the AC and increase the temperature
    2. Switch on and activate the heater to defog the glass
    3. Roll down the windows to allow warm air to blow in

    How to defog your car glass during winter?

    During the winter season, the temperature outside the car’s cabin will be comparatively lower than that of the inside. This difference in temperature causes mist to develop on the windscreens and windows. This happens when the warm air inside strikes the chilly glass surface of the windshield. Follow these instructions to defog the car windows and windscreens during winter.

    • Bring down the AC temperature: If the climate is too cold, lower the AC temperature to adjust the temperature inside and outside of the cabin to match. This balance will help to clear the fogged windows and windshields.
    • Activate the defogger: Switch on the defroster to demist the glasses. This will start to blow out hot air into the cabin and windshield. This clears the fogged-up glasses.
    • Switch off the air recirculation system: Turning the air recirculation button off will let the fresh air from outside flow into the cabin, lowering the temperature inside. This will help the mist to disappear from the windscreens and windows.

    How to defog your car glass during summer?

    Summers can also cause fogging of the windshields and windows because, during the hot and humid climate, the AC will always be turned on, causing the inside of the car to remain cool while the temperature is high outside. When the hot air hits the cold glass surface, the windshields get fogged up outside. To clear the mist, follow these simple steps:

    • Raise the AC temperature: Heat the inside of the cabin by increasing the AC temperature. This will help to balance the temperature inside and outside.
    • Turn on windshield wipers: Since the mist is outside the glass, wipers can clear it.
    • Roll down the windows: This allows warm air from outside to enter the cabin and maintains a balance with the atmospheric temperature.

    How to defrost your car’s windshield while driving?

    While you are driving the vehicle, the most convenient way to defog the windshields is using the defroster. The defogger button on the dashboard is at a place easily accessible to the driver, so you can switch it on while steering the car. You can also follow a suitable process from the above-mentioned methods after analysing the situation. If you feel that there is a necessity to make some other adjustments inside the car, and if it is not possible while behind the wheel, then park your vehicle at a safe spot and do what’s necessary. Don’t try to wipe the glass with a cloth while driving because you may lose sight of the vehicles ahead, which can lead to accidents.

    How to prevent your car windows from fogging?

    Are you wondering whether it is possible to prevent the fogging up of windshields and windows? Then, the answer is yes, it is attainable. Here are some tips and tricks to prevent the mist from clouding your car’s glasses.

    • Place silica balls, wrapped in a cloth, inside the cabin. They are good at absorbing moisture from the air. This will prevent fogging up of the windscreens and windows.
    • Another method is the application of shaving foam on the windshields. Spread the foam evenly all over the glass and let it dry. Clean the excess foam by wiping it with a cloth. This shaving foam layer acts as a barrier and prevents moisture from building up on the glass surface.

    Lastly, choosing the right car insurance is crucial. It covers losses or damages or losses to third-party property/person in the event of an accident involving your car. Additionally, car insurance protects you from legal liabilities and expenses associated with bodily injury or death of a third party.

     

    Frequently Asked Questions

    1.     What is a defogger used for in a car?

    Defogger is an inbuilt device in a four-wheeler that helps to remove condensed water droplets or even ice from the windshields and windows.

    2.     Why does my car window fog up from the inside?

    Fogging up of the car windows occurs when the temperature inside and outside the vehicle varies, causing condensation of the water vapour in the air. When the weather is cold, the glass gets easily chilled, and the warm air from the passengers’ breath circulating inside the cabin causes condensation, resulting in fogged-up windows.

    3.     Is it necessary to have a rear defogger in my car?

    Yes, having a rear defogger in the car is essential to defrost the rear windscreen. This is because a clear rear windscreen allows you to view the traffic behind you and can help prevent accidents.

    4.     How to turn on a defogger in my car?

    There may be two defogger buttons in a car, one for the front windshield and another for the rear windscreen. Pressing the one you need once will activate the defogger.


    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.  

     

    Related Articles:

  • Automatic Cars in India Below 10 Lakhs

    by Almog Ramrajkar | Apr 15, 2025

    The new-edge technology and convenience of two-pedal technology are boosting the demand for automatic cars in India. The market now offers an array of entry-level automatic cars under Rs 10 lakh. These cars have revolutionised the driving experience of people seeking greener technology, affordability, and ease of use.

     

    This blog will explore India's top-performing automatic cars under Rs 10 lakh.

     

    Detailed List of the Best Automatic Cars in India

     

    Highlighted below are 10 of the best automatic cars in India under 10 lakhs:

     

    Tata Tigor

     

    Tata Tigor is priced between Rs 6.3 lakh and Rs 8.95 lakh. It exemplifies a perfect blend of style and safety. This compact sedan is equipped with a robust 1199 cc engine. It boasts five seats and offers three automatic variants. You probably know this car for its excellent build quality. This car stands out in the market for its reliability and a touch of elegance. With safety features and five vibrant colours, this car caters to those seeking a well-rounded driving experience without compromising style.

     

    Maruti Wagon R

     

    Maruti Wagon R is celebrated for its versatility among India's most popular automatic cars. It is priced between Rs 6.1 lakh and Rs 7.35 lakh. This compact car with an 1197 cc engine delivers impressive mileage in petrol and CNG versions. Its functional design and efficient performance have made it a preferred choice for urban commuters. The Wagon R's adaptability to various fuel options enhances its appeal. It provides a reliable and economical option.

     

    Maruti Celerio

     

    Maruti Celerio is priced from Rs 5.25 lakh to Rs 7.00 lakh. This car is a standout choice in the automatic hatchback segment. Renowned for affordability, this model doesn't compromise on performance. The Celerio's powerful engine and the latest technology ensure a stylish and efficient ride. It offers a perfect balance of features and budget-friendly pricing. Hence, it remains a top contender in the market. For those seeking an automatic hatchback that combines practicality and performance, Maruti Celerio is an excellent choice.

     

    Hyundai Santro

     

    Hyundai Santro is undoubtedly a favourite in India, which offers unmatched comfort and convenience. It comes with a price range of Rs 4.90 lakh to Rs 7.36 lakh. The new Santro is available in petrol and CNG fuel types and boasts a stylish design. Hence, it caters to diverse consumer preferences. The automatic variant adds a layer of ease to city driving. Whether it's the impressive design or the fuel options, this car remains a beloved choice. It delivers a family-friendly driving experience without exceeding the Rs 10 lakh budget.

     

    Honda Amaze

     

    Honda Amaze is priced from Rs 9.5 lakh to Rs 9.48 lakh. This car is a testament to Honda's commitment to compact sedan excellence. This car has a fuel tank capacity of 35 litres and seating for five. Amaze offers a comfortable and efficient driving experience. It caters to diverse preferences, which you can get in petrol and diesel automatic variants. As one of the excellent automatic cars under Rs 10 lakh, the Honda Amaze combines style, fuel efficiency, and Honda's legacy of reliability. Hence, this car is a compelling choice in the compact sedan category.

     

    Hyundai Grand i10 Nios

     

    Hyundai Grand i10 Nios emerges as a vibrant and advanced automatic hatchback. It is priced between Rs 8.23 lakh and Rs 9.59 lakh. With an engine capacity of 1197 cc, this model combines modern design with technological innovation. Bold and contemporary, the Grand i10 Nios is an attention-grabber on the road. Its advanced features and comfortable interiors make it a sought-after choice for those who prioritise style and substance in their driving experience. Hyundai Grand i10 Nios offers a dynamic and appealing option for automatic hatchback enthusiasts.

     

    Maruti Suzuki Swift

     

    This car is renowned as a top performer among Indian hatchback cars. It is priced from Rs 8.5 lakh to Rs 10 lakh. Moreover, it continues to dominate the market. With three petrol variants for the automatic version, Swift provides a winning combination of power and efficiency. The 1197 cc engine ensures a smooth and responsive drive, while the stylish design adds to its overall appeal. As one of the excellent automatic cars under Rs 10 lakh, Maruti Swift remains a favourite for those seeking a perfect combo of performance and aesthetics in a hatchback.


    Maruti Baleno

     

    Maruti Baleno is priced between Rs 7.95 lakh and Rs 9.71 lakh. This car stands out as a premium hatchback offering. It caters to diverse preferences with four variants: Sigma, Delta, Zeta, and Alpha. It also comes in three automatic versions. Despite its powerful 1197 cc engine, the Baleno impressively achieves a mileage of 20 km/l. Its sleek design and feature-rich interiors make it a compelling choice for those looking to experience luxury without compromising performance. Maruti Baleno continues redefining premium hatchback standards in the automatic segment.

     

    Hyundai Aura

     

    It is priced from Rs 6.3 lakh to Rs 8.87 lakh. Hyundai Aura combines contemporary technology with convenience. It offers a delightful driving experience. Available in diesel, CNG, and petrol versions, this five-seater car provides versatility to match different driving needs. The automatic version comes in two variants, Aura SX Plus AMT and Aura S AMT, both in petrol. With a blend of modern features and comfortable interiors, the Hyundai Aura is a reliable choice if you seek an automatic car that emphasises technology and convenience.

     

    Tata Tiago

     

    Tata Tiago is priced between Rs 6.15 lakh and Rs 6.96 lakh. It distinguishes itself as a compact hatchback focusing on build quality. Running on a 1.2-litre petrol engine mated to a 5-speed automatic transmission, Tiago ensures a peppy yet efficient drive. Despite its compact size, Tiago boasts essential safety and comfort features. Hence, it is a standout choice in the competitive hatchback segment. With a sporty and elegant design, Tata Tiago caters to those prioritising style and substance in their daily commute.

               

    Conclusion

    As the demand for automatic cars under 10 lakhs in India continues to surge, you will find various options. Moreover, it would be best if you safeguarded your investments with the right protection. Prioritise peace of mind by securing car insurance. It protects against accidents, natural disasters, and more.


    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.

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