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  • FASTag Exemption List

    by User Not Found | Dec 04, 2023

    In order to get rid of congestion and delays at the National Highways (NH) toll plazas, the Ministry of Road, Transport and Highways (MoRTH) has introduced Electronic Toll Collection (ETC) using RFID-based FASTag. With the adoption of this system, you do not need to stop at the toll plazas and can pass away directly. Your ride will be scanned by the system itself and your tax amount will be deducted from your FASTag account the moment it passes from the national highways across the country.

    This blog will talk about the FASTag List and the vehicles that are listed in the exemption category for the toll exemption FASTag.

    FASTag Toll Exemption List

    Although the Ministry has released the list of vehicles that come under the fast tag exemption it is mandatory for them to have a FASTag sticker for their vehicle.

    FASTag exemption list comprises of vehicles of the following -

    • President and Vice President of India
    • Prime Minister of India
    • Governor of the State
    • Chief Justice of India (CJI)
    • Speaker/Presiding Officer of the Lower House
    • Cabinet Minister of the Union
    • Chief Minister of a State
    • Supreme Court Judge
    • Minister of a State
    • Lieutenant Governor of a Union Territory
    • Chief of Staff
    • Chairman of the Legislative Council of a State
    • Speaker of the Legislative Council of a State
    • Chief Justice of a High Court
    • Judge of a High Court
    • Member of Parliament (MP)
    • Vice-Chief of Army Staff and others in the same position of power such as in Navy and Air Force
    • Chief Secretary to a State Government
    • Secretary to the Government of India
    • Secretary, Council of States
    • Secretary, House of People
    • Foreign Dignitary on State Visit
    • MLA and MLC
    • A person who has been awarded Param Vir Chakra, Ashok Chakra, Maha Vir Chakra, Kirti Chakra, Vir Chakra and Shaurya Chakra
    • Used For Official Purpose:

    • Ministry of Defense personal and those who are eligible under the Indian Toll (Army and Air Force) Act, 1901
    • Armed forces of the Centre and the State and State in Uniform, including Paramilitary Forces, and Police
    • Executive Magistrate
    • Emergency/Utility Vehicles:

    • Fire-Fighting Department or Organisation
    • NHAI/ Government Organisation utilizing vehicles for the purpose of inspection, construction, or operational or maintenance of national highways and survey.
    • Ambulance
    • Funeral Van
    • Mechanical Vehicles Designed for use by persons with physical disabilities.

    Conclusion

    FASTags have been an important step to eliminate congestion and traffic jams on national highways. There are some vehicles that are exempted from FASTags or are under toll plaza exemption and we have shared the detailed list with you above. But toll exemption FASTag does not mean they need not have a FASTag sticker. FASTag stickers are mandatory despite the fact they are exempted from paying toll fee. Staying compliant with car insurance requirements also ensures smoother vehicle ownership and hassle-free travel. It is equally important to follow RTO guidelines to avoid penalties and ensure proper documentation.

  • How Long Does It Take to Get a Learner's Licence?

    by User Not Found | Dec 04, 2023

     

    According to the Motor Vehicle Act 1988, it is mandatory for all individuals to obtain a learner driving licence to get a permanent driving licence. You can apply online or in offline mode for obtaining a driver’s licence. Moreover, you get a permanent driving licence if you are 18 years of age or above, so for people under 18 years, a learner’s licence is an important document.

    In this blog, we will simplify the process of obtaining a learner’s licence. So read on!

     

     Eligibility to Apply for Learner's Licence

    There are a few eligibility criteria that you must fulfil to apply for a learner’s licence-

    • You must be at least 16 years of age
    • You must get your parent or guardian’s consent.

     Documents Required to Apply for Learner's Licence

    Before applying for a learner’s licence, make sure to have the following documents for verification-

    Identity and Proofs Required

    • Birth certificate
    • School certificate with printed D.O.B
    • PAN Card
    • Aadhar Card
    • Voter ID
    • Passport

    Address Proofs

    • PAN Card
    • Adhar Card
    • Electricity Bills
    • Voter ID
    • Ration Card
    • LIC Bond

    Apart from these,

    • Medical Certificate, if applicable
    • Self-declaration of being medically fit
    • 3 Passport size photographs

     

     How to Apply for Learner's Licence?

    You can apply for a learner’s licence online through the ‘Sarathi’ or  ‘Parivahan’ portal of the Road Transport and Highways Ministry or offline by visiting your nearest RTO.

    For online application, follow these steps:

    1. Visit the “Sarathi” portal and click on “New Driving Licence”
    2. The application form will open
    3. Complete the application and submit it to receive a confirmation that your request has been processed.
    4. Book a slot for your learner’s licence test
    5. Take the test; you will receive a learner’s licence if you pass that.

    You can also visit the “Parivahan” portal and click “Driving Licence Related Services” to apply online.

    Offline application process

    1. Visit your nearest RTO and obtain an application form
    2. Fill it out and submit it with supporting documents
    3. Get a test date
    4. Take the test; if you pass it, you will be issued a learner’s licence.

     

     How Long Does it Take to Obtain a Learner’s Licence in India?

    You are issued a learner licence when you are at the learning stage of driving. It is issued to the applicant on the same day. After you have learned to drive and are 18 years and above of age, you can apply for a permanent licence, 30 days after receiving the learner’s licence.

    A driving licence is a legal document given by the Indian government to all those individuals who have qualified for the driving test to obtain the same. Driving without an authorised licence is a punishable offence under the Motor Vehicle Act of 1988.

    You have to apply at your nearest Regional Transport Authority or Office (RTA/RTO). Once you have passed the eligibility test to drive then you become eligible for obtaining a permanent driving licence.  

     

     Conclusion

    A learner licence is the first step to gaining a permanent licence.You can apply for a permanent licence after a month and within 6 months of getting your learner’s licence. Getting a permanent driving licence means you will be on the road more frequently. Thus, getting a car insurance policy soon after is also recommended, which ensures safety for the vehicle and the owner. 


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

  • What is the meaning of the engine symbol on your dashboard?

    by User Not Found | Dec 04, 2023

    Updated on 17 Nov 2025

    Imagine you are driving, and a glowing engine symbol suddenly appears on your car's dashboard. The first question that probably comes to mind is, “What does this symbol mean?” This symbol is known as the engine warning light or check engine light. The light can be yellow, orange or amber (depending on your car), and it indicates that there could be a problem with your car’s engine that needs attention. Therefore, understanding the engine symbol is crucial.

    What does a check engine light mean and where is it located?

    The engine light or symbol usually indicates that there is an issue with the engine and you need to fix it. It is also known as a malfunction indicator lamp. The issue can be a small one, just like a glitch in the gas cap, or it can be something serious, like a misfiring engine. The check engine light symbol shows up on the vehicle’s dashboard or the instrumental panel on all four-wheeler vehicles.

    Common reasons why the engine symbol lights up

    The engine symbol on your dashboard can appear for many reasons, such as:

    • Some defects in the catalytic converter
    • Fault in the sensor due to mass airflow
    • Defective oxygen sensor
    • Open or loose fuel cap
    • Malfunction in the thermostat
    • Old and damaged spark plug
    • Flawed fuel injector
    • Reprogram the powertrain control module

    Types of engine warning light behaviour

    If the system detects an issue, the engine light will turn on in one of two ways:

    • Solid engine light: A steady light indicates a minor problem, often related to emissions or safety systems. While it’s not an emergency, it’s a sign that your car needs attention soon.
    • Flashing engine light: If the engine light blinks, it signals a serious problem with critical components, such as the engine, fuel system or air intake. In this case, it’s crucial to stop driving and seek professional mechanical help immediately.

    How to prevent engine light issues in the future?

    Regular maintenance is an important step in avoiding engine light issues. Keeping up with oil changes, tune-ups and routine inspections ensures your vehicle stays in good condition, which reduces the chances of problems developing.

    Despite these precautions, the engine light may still appear. When it does, addressing it promptly is crucial because ignoring it can allow a small issue to become a costly repair. For added control, an OBD2 scanner allows you to identify and resolve potential problems early.

    Additionally, investing in comprehensive car insurance online can provide peace of mind, covering unexpected repairs or damages and ensuring that you are financially protected in case of unforeseen events. If you need help choosing a plan, simply fill out the form on this page.

    Conclusion

    The engine warning light can alert you to potential problems, helping you avoid expensive repairs and safety risks. Ignoring this light may lead to more serious issues, such as engine overheating, reduced fuel efficiency or complete engine failure. Regular maintenance not only helps you claim a no-claim bonus in car insurance but also ensures your car runs smoothly, prolongs its lifespan and maintains optimal performance.

    FAQs

    • Why does the check engine light turn on in my car?

    The engine light comes on due to issues like a loose fuel cap, faulty sensors, spark plug problems or other engine-related faults.

    • Is it safe to drive when the engine warning light is on?

    It depends on the light’s behaviour. A steady light indicates you have minor problems to address, while a flashing light indicates you need to seek help immediately.

    • How can I prevent engine warning light issues?

    Regular servicing, quality fuel, timely part replacements and paying attention to early warning signs can significantly reduce such problems.



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

  • How To Increase Life Of Your Car?

    by User Not Found | Dec 02, 2023

    Do the things mentioned here and enjoy your car for longer

    After a home, a car is the second most important purchase any individual makes. The car is not just a status symbol but a convenient way of getting from Point A to Point B. Nowadays, cars are built using advanced materials and state-of-the-art techniques, that ensure they remain i working condition for longer.

    But, with a little bit more care and attention, it is quite probable to even double or triple your car’s lifespan. Here is what you can do to get the most out of your investment.

    Regular Maintenance

    Proper, periodic maintenance is the key to the health of your car. A car that is not well maintained will find it hard to cross even 1,00,000 kms. If the maintenance schedule is followed according to what is given in the owner’s manual, then your car can easily cross the 1-lakh kilometre mark without any issues.

    From this milestone onwards, servicing of the car should be done depending on how much it is used. Consultation with a trusted mechanic to fix a maintenance schedule for your car can pay rich dividends.

    Don’t Drive For Short Distances

    Driving to places that can be reached either by walking or cycling is not considered good for your health, or the health of your car. If you wish to keep the original parts running for longer, don’t take the car out for short trips.

    Going for short trips doesn’t allow your car the time to reach operating temperature. Water is formed as a by-product of the combustion process, and some of it gets into the engine oil and exhaust. Longer running of the engine ensures that this water boils off and doesn’t mix with unburnt fuel to form a nasty sludge. Experts believe anything less than 8 kms to be a short distance.

    Prefer Synthetic Oil

    Synthetic oils are costlier than their non-synthetic counterparts. But mostly everyone in the automotive world know that they are the better option. High-performance engines, and those which are turbocharged and supercharged should get synthetic oil. This is because, synthetic oil are better suited to tackling the high thermal stress these engines are put under.

    Clean Your Car

    Just as oils and periodic maintenance are crucial for keeping the internals functioning smoothly, regular car wash is required to keep the exterior of the car looking mint. Giving your car a thorough wash will keep the road salts, dust particles and other pollutants off your car’s paint. This means that the paint will keep its lustre and shine for longer.

    Just like periodic maintenance, car insurance policies also take additional expenses away by taking care of any bills arising from an unfortunate accident.

  • Guide to Buying a Secondhand Car

    by User Not Found | Dec 02, 2023

    Buying one can be a tricky process if you have no idea where to start. Read on to get acquainted with the various aspects of acquiring a secondhand car without any hassles.

     

    How deep is your pocket?

    Before thinking of purchasing a car, think about your budget. Once you have done that, re-think of a realistic budget because most-probably you are going to move on to a new vehicle once you have mastered the art of driving and when you have deeper pockets in coming years.

    Also, consider bank loans, fuel and insurance costs. While opting for a loan, make sure that your monthly car payment does not exceed 20 percent of your take-home pay.

     

    Of miles and models

    You can opt for a hatchback, sedan, sturdy jeep or a SUV depending on your requirement. While comparing secondhand cars, do check the number of miles the car has run along with its model and year of manufacturing. Newer the car, higher is the resale value.

     

    Firsthand opinion

    Avail firsthand information about the model and the brand from its users. It can be from friends, relatives or online reviews. Better to get a firsthand opinion than secondhand trouble! You could ask your neighborhood mechanic for the mileage of the motor, engine performance and resale value in the market. In addition, availability of spare parts is a critical factor in deciding whether or not to purchase the particular brand of pre-owned car.

     

    Test before protest

    Test-driving a car is like courtship, you still have time to rethink before giving the ultimate commitment. Test-driving not only tells you if the car is ideal for you but also lets you know if the engines are in top condition.

    While test-driving the vehicle, create conditions suitable for your regular driving patterns. If possible, drive on a highway, steep slope, bumpy roads etc.

  • Common Questions Regarding Hydrostatic Lock and Car Insurance

    by User Not Found | Dec 02, 2023

    Updated on 26 Dec 2025

    A hydrostatic lock can cause severe damage to a car’s engine, especially during monsoon seasons in India. Many drivers are often unsure if their four-wheeler insurance covers such incidents. This blog addresses common questions about hydrostatic lock and the role of vehicle insurance in covering it.

    What is a hydrostatic lock in cars?

    Hydrostatic lock is a phenomenon that occurs when water enters the engine’s combustion chamber. Since water does not compress like air and fuel, the piston movement gets blocked, leading to sudden engine seizure. This typically happens if a car is driven through waterlogged roads.

    Does car insurance cover a hydrostatic lock?

    Regular motor insurance generally provides coverage for accidental damage. However, a hydrostatic lock is not always included. Some insurers offer an add-on for engine protection, which covers such incidents. It is advisable to check the policy document for inclusions or confirm with your insurer.

    Why is a hydrostatic lock not covered under regular car insurance?

    Hydrostatic lock is often seen as preventable damage, as it occurs when a car is driven through deep water. Therefore, it is usually excluded from a standard motor insurance policy. To ensure engine protection, you may need a specific add-on called an engine protection cover that extends the scope of coverage.

    How can I get insurance coverage for a hydrostatic lock?

    Coverage for a hydrostatic lock can often be obtained by opting for an engine protection add-on with your comprehensive car insurance. This rider covers the repair or replacement costs related to engine damage caused by water entry. The availability of the add-on and terms may vary between insurers. Always read the policy wording for clarity.

    What damages does the engine protection add-on cover?

    The engine protection add-on covers:

    • Damage to engine parts due to water entry from flooding or submersion
    • Repair costs for lubricating oil leakage
    • Replacement or repair costs of affected internal engine components

    Is a hydrostatic lock common in India?

    Yes, it is relatively common, especially during monsoons when urban areas experience flooding. Cars in low-lying regions or near waterlogged roads are more vulnerable to this issue.

    What should I do if my car suffers a hydrostatic lock?

    If you suspect a hydrostatic lock, do not try to restart the car repeatedly. Tow the vehicle to an authorised service centre for checking. Then, inform your insurer and file a claim as per your coverage terms if repairs or replacements are needed.

    How much does it cost to repair hydrostatic lock damage?

    Repair costs can vary widely depending on the extent of damage. In severe cases, complete engine replacement may be required, which can be expensive. The final cost depends on the car model, parts affected and labour charges.

    Conclusion

    Hydrostatic lock is a serious issue that can lead to high repair bills. While standard third-party car insurance does not cover such engine damage, an optional engine protection add-on with a comprehensive policy can provide the necessary financial protection. It is always best to review your coverage carefully and assess whether additional protection is suitable for your needs.

    While you take precautions against water ingress risks, let us help protect your car financially with the right car insurance. Get tailored policy advice and solutions by filling out the form provided on this page.

    FAQs

    • Can a hydrostatic lock happen in petrol as well as diesel cars?

    Yes, a hydrostatic lock can occur in both petrol and diesel engines if water enters the combustion chamber.

    • Will a hydrostatic lock always require engine replacement?

    A hydrostatic lock doesn’t always require an engine replacement. Sometimes repairs to specific parts may be enough. The outcome depends on the level of damage.

    • Is a hydrostatic lock covered under standard four-wheeler insurance?

    Many standard policies exclude hydrostatic lock, but engine protection add-ons may cover it.

    • Can I prevent hydrostatic lock completely?

    Avoiding driving on waterlogged roads is the most effective preventive step. Driving slowly in shallow water may also reduce the risk of a hydrostatic lock, but does not eliminate it.


    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.

  • Navigating Car Insurance: Finding Optimal Coverage from Trusted Providers

    by User Not Found | Dec 02, 2023

    It is also essential to renew your car insurance on time as driving your vehicle with an elapsed policy is as serious an offence as not having a policy at all. All car insurance companies in India structure their insurance according to the Motor Vehicle Act, hence buying a car insurance keeps you in line with the law.

     

    With the increase in the number of cars, the number of car insurance companies has also increased and you now have access to several insurance policies with different coverage structures. It would be advantageous to zero down on car insurance providers which satisfy all your needs along with a premium amount which fits into your budget. Thus, comparing quotes from several car insurance companies in India is an essential exercise to choose an optimal coverage to insure your vehicle with. ICICI Lombard may offers coverages in comprehensive motor insurance which offers extensive converge (natural and man-made calamities). The company offering car insuranceallows hassle-free policy purchase through its online portal and you can get access to a digitally signed policy almost instantly.

     

    Coverages under this comprehensive car insurance policy are extensive coverage and offers a multitude of benefits along with several add-on covers. The policy may offers a personal accident cover (according to sum insured) which extends coverage to the driver-owner in case of an accident, disability or death when travelling, mounting or dismounting from the car. This cover is a part of the original policy structure and is provided to the insured without charging any additional premium. Not just that, the insured also has the option of securing co-passengers during an accident with an insurance cover by paying a slightly higher premium which can go a long way in reducing financial burden during such crises.

  • Beat The Heat With These Car Maintenance Tips For Summer

    by User Not Found | Dec 02, 2023

    With a few precautionary measures, you can increase the efficiency of your car and avoid any breakdown this summer

    The summer season is coming and car enthusiasts and holiday goers alike are looking for ways to beat the heat. A long drive in your car is preferred by many as it gives you a sense of freedom and helps you escape the hustle and bustle of daily life.

    However, extreme heat and dusty roads can be tough on your car and it poses some challenge to smooth functioning of the car as well. So, before hitting the roads this summer, take some precautions so that your car is safe and it does not break down in the middle of this sultry season.

     

    Change Engine Fluids And Oil Filters

    The engine fluids keeps your engine lubricated, which reduces friction and heat build-up under the hood. It can often get overheated during the summer season resulting in breakdowns. The engine oil, coolant fluids and oil filter need to regularly replaced to keep the car engine healthy and efficient.

     

    Check And Monitor Tyre Pressure

    It’s imperative to keep your car tyres properly inflated with optimum tyre pressure. Under-inflated tyres can be a recipe for disaster as it can create more friction with the road and generate heat in addition to the soaring temperature.

     

    Get a Radiator Check-Up

    Get your car radiator checked and make sure it is adequately filled with coolant in right concentration. The radiator helps in maintaining the engine temperature and any leakage or damage to it may result in overheating of the car.

  • 5 Tips to Maintain Your Car

    by User Not Found | Dec 02, 2023

    All in all, a car is serious money and it is necessary to have it running for as long as possible. And to do that, without spending a mini fortune on its maintenance costs, here are a few tips:

     

    1. Choose the correct car

    Sounds obvious? But it is probably the most sensible of advices to get the best out of your car. Choose a manufacturer who is known for making time-tested and reliable cars. Choose a model which has a solid reputation behind it. Choose a car whose spare parts are easily available. Talk to your local mechanic to find out the "inside stuff" of various car companies and make an informed choice.

     

    2. Trust the manufacturer's instructions

    The manufacturers know their cars better. So it makes sense to follow their instructions on car maintenance. Make it a point to take your car for its scheduled maintenances. If you are thinking about how to go about finding out how often these maintenances are scheduled, don't fret. It's all given at the back of that little book we know as the "Owner's Manual." Oh, yes! We really hardly bother to take a look at it, don't we? But if only we would care to read this book, we wouldn't have to read articles on car maintenance tips. Irony? Sure is!

     

    3. Changing the car's vital fluids

    Your car is made up of thousands of moving parts. And what makes, and keeps, these parts moving are the various fluids; the most important being engine oil and transmission, differential, brake and power-steering fluid. It is advisable, nay imperative, to frequently check and, if required, change the fluids. Engine oil needs changing every 5000 miles, transmission fluid, every two years (or roughly 30,000 miles) and engine coolant needs to be checked at least twice a year.

    According to a study done by the US Department of Energy, an increase in the average speed from 50 mph to 60 mph results in a 38 percent increase in maintenance costs. If you go 10 mph higher, you are looking at an added 80 percent in repair costs.

    Brake fluid is hygroscopic. In simple terms, it absorbs moisture and moisture makes a killer combo with oxygen and metal. It is called rust. It is advisable to flush brake fluid every two years, regardless of how many miles you've driven.

  • How to Get FASTag Quickly in a Day?

    by User Not Found | Dec 01, 2023

    Updated on 10-04-2025

    In today's fast-paced world, waiting patiently in queues for your turn has gone out of fashion. This trend is especially true when driving through toll booths or busy highways. The electronic toll collection system in India has made life on the road smoother and quicker by introducing FASTag. It employs Radio Frequency Identification technology for making toll payments. But what if you need to get FASTag urgently? Can you get it within a day? The answer is a resounding yes. This article will show you how to get FASTag in a day.

     

    What is a FAStag?

    FASTag is an electronic toll collection system introduced by the National Highway Authority of India (NHAI). It uses RFID (Radio Frequency Identification) technology to enable automatic deduction of toll charges without requiring vehicles to stop at toll plazas. FASTags are linked to prepaid accounts or digital wallets, ensuring hassle-free toll payments.

     

    How Does FASTag Work?

    When a vehicle passes through a toll plaza, the RFID scanner detects the FASTag attached to the windshield. The toll amount is automatically deducted from the linked account, allowing for the easy movement of vehicles. The system helps reduce traffic, save fuel, and minimise travel time.

     

    What is the Validity of FASTag?

    A FASTag remains valid for five years from the date of issuing. However, users need to maintain sufficient balance in their linked accounts to ensure uninterrupted service. Recharging the FASTag account is simple and can be done through various platforms like mobile wallets, bank apps, or the official NHAI FASTag portal.

     

    How to Buy FASTag Online?

    Purchasing a FASTag online is one of the quickest and most convenient methods. Here’s how you can do it:

    1. Visit an Official Provider: Banks and online payment platforms, as well as the NHAI website, offer FASTags.
    2.  Provide Required Documents: Upload a copy of your vehicle’s Registration Certificate (RC), passport-sized photograph, and KYC documents such as Aadhaar or PAN.
    3. Make the Payment: Pay the FASTag issuance fee and the required security deposit.
    4. Receive Your FASTag: The FASTag will be delivered to your address within a few days, but express delivery options may be available for urgent requirements.

     

    You can also get a FASTag from My FASTag application.

    1. Download the app on your phone.
    2. Choose “Activate NHAI FASTag”
    3. Find a bank or official service provider from the list on the app.
    4. Enter the FASTag ID or scan the QR code for the FASTag to start the process.
    5. Fill your vehicle’s registration number and other details.
    6. Add your bank details to link with the FASTag ID for auto debit.

     

    How to Get FASTag for New Cars?

    If you’ve purchased a new car, the dealer usually provides a FASTag. However, if it’s not included, you can obtain one from an authorised bank or an online provider. Follow these steps:

    1. Visit the Dealer or Authorised Bank: Some car dealerships have tie-ups with banks for FASTag issuance.
    2. Submit Necessary Documents: Provide the RC, ID proof, and vehicle details.
    3. Activate and Link to Your Account: Once issued, activate the FASTag and link it to your prepaid wallet or bank account for easy transactions.

     

    How to Get FASTag in a Day? 

    Here is how to get FASTag in one day:

     

    1. Choose an online provider: The best option is to get ahold of an online provider to get FASTag quickly. Several banks and agencies offer FASTtag services. Visit their websites and choose the option to apply for a FASTag.
    2. Upload your documents: Upload scanned copies of your ID proof (Aadhar card or passport) and vehicle registration certificate (RC). Ensure all the documents are clear and in the required format.
    3. Pay the fees: Most FASTag providers offer various payment methods, including net banking, UPI, and debit cards. The fee depends on your vehicle type and the provider.
    4. Verify your details: After completing the payment, double-check all the information you have provided. Ensure your details are accurate, as any discrepancies can delay the process.
    5. Delivery address: Provide your delivery address. Ensure it is accurate, as that is where your FASTag will be despatched.
    6. FAStag delivery fee: Many providers offer fast-track delivery options for an additional fee. If you need FASTag urgently, consider choosing this option to expedite the process.
    7. Wait for delivery: Once your payment is approved and your application processed, your FASTag will be despatched to the registered address. The delivery time can vary depending on your location and the provider, but you can expect to receive it in a day or two.

     

    FASTag Application: Best Practices to Follow

    Given below are a few tips to follow regarding a FASTag application-

    • Ensure Proper Documentation: Keep your RC and ID proofs handy for a smooth application process.
    • Choose a Reputable Provider: Opt for authorised banks or digital wallets to avoid delays.
    • Link the Correct Payment Method: Ensure your FASTag is linked to a wallet or bank account with sufficient balance.
    • Check Activation Status: Once you receive your FASTag, verify its activation before your journey.

    Not only is FASTag an easy tool for vehicle owners, but it is also a mandatory part of four-wheeler insurance, especially third-party insurance. That is why it is essential to follow due process when applying for a FASTag.

    How to Remove Old FASTag from Car?

    If you need to replace an old or damaged FASTag, follow these steps:

    1. Peel Off Gently: Use a plastic scraper or credit card to lift the edges.
    2. Use a Mild Adhesive Remover: Apply a solution like rubbing alcohol or warm, soapy water to loosen the glue.
    3. Wipe Clean: Ensure the windshield is clean before affixing a new FASTag.
    4. Deactivate Old FASTag: Contact the issuing authority to deactivate the old tag to prevent unauthorised deductions.

     

    Conclusion

    Getting FAStag in a day is feasible, given the convenience of online applications and digital payment methods. By following these simple steps, you can ensure a speedy and hassle-free experience, allowing you to breeze through toll booths and enjoy uninterrupted highway journeys. So, the next time you need a FASTag urgently, remember that you can get it in just a day, thanks to the efficient online application process.


    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.

  • Reasons for Engine Overheating

    by User Not Found | Dec 01, 2023

    Introduction

     

    Imagine this: You are cruising down a road, wind in your hair, tunes playing, and suddenly, you notice that the temperature gauge on your car’s dashboard has climbed into the danger zone. Engine overheating is a situation that can quickly turn a pleasant drive into a nerve-wracking ordeal. But what causes a vehicle engine to overheat? In this blog, we will dive into the culprits behind engine overheating causes and what you can do to take control of the situation.

     

    Common engine overheating causes and actions

     

    There can be many reasons behind engines overheating, but the problem typically lies with the cooling system. Hence, some common reasons for engine overheating include:

     

    1. Cooling system leak: One of the primary engine overheating causes is a leak in the cooling system, either from a cracked radiator, a damaged hose, or a faulty gasket. The engine cannot retain its optimal temperature when the coolant (anti-freeze) leaks. Regularly inspect your cooling system for visible leaks and replace or repair any damaged components.

     

    1. Faulty radiator fan: This equipment plays a crucial role in dissipating engine heat. The engine can quickly overheat if the radiator fan malfunctions or fails to turn on when needed. Check the radiator fan’s condition and replace it if needed.

     

    1. Broken water pump: The water pump circulates coolant throughout the engine to regulate its temperature. A malfunctioning water pump can lead to overheating.

     

    1. Clogged coolant hose:Coolant hoses carry the coolant to and from various engine components. Coolant flow gets restricted when these hoses become clogged or blocked, causing engine overheating.

     

    1. Low coolant level: Leaks or negligence of routine maintenance can result in low coolant levels, affecting the engine’s capacity to regulate temperature effectively. Check and maintain the coolant level and ensure it is within range.

     

    1. Faulty thermostat: The thermostat regulates coolant flow throughout the engine. A malfunctioning thermostat can disrupt this process and cause overheating.
  • What is Autonomous Emergency Braking in Cars?

    by User Not Found | Dec 01, 2023

    Introduction

    The world of automotive technology is advancing at a pace that's nothing short of astonishing. Every other day, cars are becoming smarter and faster thanks to innovations such as Autonomous Emergency Braking (AEB). Vehicles are fitted with all types of sensors and gadgets to make our lives easier and safer. So, what is AEB in cars, and how does it work? This article takes a closer look at this groundbreaking system that’s transforming how we drive.

    What is AEB in cars?

    To put it simply, Autonomous Emergency Braking (AEB) is a safety system designed to prevent or mitigate collisions. It's akin to having an extra set of eyes on the road and an extra foot on the brakes. AEB keeps constant track of the road ahead and automatically halts the vehicle if the driver fails to take action. Now that we know what is Autonomous Emergency Braking, let’s understand how it works. 

     

    AEB relies on a combination of sensors and cameras typically mounted on the vehicle’s front. These sensors scan the road, identifying obstacles in the vehicle's path. The obstacles can include other vehicles, pedestrians, cyclists, or stationary objects such as road barriers.

     

    AEB first warns the driver upon detecting a potential crash. This warning can be both visual and audible, such as flashing lights and beeping sounds. The driver is supposed to apply the brakes or steer away to avoid a possible collision.

     

    AEB takes control if the driver fails to respond or if the system determines an imminent collision. Emergency braking is applied with force to prevent the collision or reduce its severity.

  • How to Change the Name on Your Driving License Online

    by User Not Found | Dec 01, 2023

    Introduction

     

    The digital age has made every task easy, from buying groceries to purchasing cars. All that is needed is a few clicks on your mobile device, and your work is over. This ease of tasking extends to almost every sphere of life, including altering your name and address in official documents. So, if you want to correct your name on your driver's license, whether from a title change after marriage, spelling error or any other reason, this critical update can be made from the comfort of your home. In this blog, we'll show you how to change your name on your driving licence.

    Steps to correct your name in driving licence online

     

    Here is how to change the name in your driving license:

     

    1. To initiate the process, visit the official Parivahan portal.
    2. Select your state from the drop-down menu. This step is essential as states usually manage driving licence services.
    3. After selecting your state, navigate to the "Driving licence" section on the portal and look for the option saying "services on DL".
    4. You can access various driving licence services upon being redirected to a new page. To change your name, click on the "Continue" button. 
    5. Depending on your state's specific requirements, you may be required to log into your existing account or create a new one on the portal. Follow the prompts to complete this step.
    6. The portal will direct you to an online application form. Provide the necessary information, including your old name, new name, and other details. Double-check all the information for accuracy before submitting.
    7. Upload scanned copies of your supporting documents, such as a marriage certificate or affidavit for the name change. 
    8. Pay the processing fees using the available digital payment methods.
    9. Submit the application after reviewing all the details.
  • How to find the FASTag customer ID Using the vehicle number?

    by User Not Found | Dec 01, 2023

    Updated on - 06 Feb 2026

    FASTag makes toll payments quick and cashless with the help of an RFID (Radio Frequency Identification) sticker on your vehicle’s windscreen. It has a customer ID, which is required for account access, dispute resolution or linking with bank services. If you can’t find your customer ID, don’t worry, the good news is that it’s easy to retrieve if you know the right process.

    In this blog, we’ll cover the procedure to find the FASTag customer ID using your vehicle number, the required documents for that, ways to contact customer care for help and more.

    Procedure to find the FASTag customer ID using the vehicle number

    There are simple online and offline ways to find your FASTag customer ID using just your vehicle registration number:

    NPCI (National Payment Corporation of India) official website:

    • Visit the official NPCI NETC portal
    • Enter your Vehicle Registration Number (VRN) and complete the verification.
    • The page will show the issuer bank and FASTag details, which may include your customer ID or help you retrieve it through the issuer.

    Your FASTag issuer’s portal or app

    • If your FASTag was issued by a bank or by NHAI (National Highways Authority of India) /IHMCL (Indian Highways Management Company Limited), log in to their FASTag portal or app.
    • Use your registered mobile number or vehicle number to log in.
    • Your customer ID will be visible under account or profile settings.

    Customer support

    • If the above steps don’t work, call your issuer bank’s FASTag helpline or the NHAI helpline at 1033.
    • Provide your vehicle number or registered mobile number.
    • They will help retrieve or confirm your customer ID.

    Visit a toll plaza or the issuer’s office

    • Go to your nearest toll plaza FASTag counter or the issuing bank’s branch.
    • Carry your vehicle RC, ID proof and registered mobile number.
    • The support team can retrieve your customer ID linked with the vehicle number.

    Documents required to retrieve the FASTag customer ID

    When requesting your customer ID from a bank or provider, keep these documents ready:

    • Vehicle Registration Certificate (RC)
    • Registered mobile number (used during FASTag issuance)
    • Government ID proof (Aadhaar, PAN, driving licence or passport)

    Common issues faced while finding the FASTag customer ID

    Users often face these problems while retrieving or updating FASTag details:

    • FASTag issued on chassis number: Must be updated to RC number within the NPCI deadline.
    • Incomplete or minimum KYC: Limits wallet functions until full KYC is done.
    • Wrong or outdated mobile number: Needs updating with the bank before details can be accessed.
    • Tag blocked or blacklisted: Occurs due to misuse or incorrect usage; requires contacting the issuer or NHAI helpline.

    Is it important to link the vehicle number to the FASTag customer ID?

    Yes, linking your vehicle registration number (VRN) to the FASTag customer ID is essential. It ensures tolls are deducted from the correct account, SMS alerts match the right vehicle and disputes can be resolved quickly.

    Since January 2021, FASTag has been mandatory for four-wheelers in India. Tags issued on a chassis number must be updated with the RC within the stipulated period; otherwise, the tag may be blocked. Proper linking also avoids errors during toll deductions and ensures eligibility for benefits like monthly or annual passes.

    How to link your FASTag customer ID with your bank account

    Linking ensures uninterrupted toll payments and easier management of funds. You can add your FASTag to your bank account through the issuer’s website or mobile app. Many banks automatically link FASTag to your account at the time of issuance. To avoid balance issues, you can enable auto-recharge or standing instructions so your FASTag wallet is topped up automatically when the balance gets low.

    Benefits of having the FASTag customer ID linked correctly

    When your FASTag customer ID and vehicle number are properly linked, you enjoy several practical advantages that make highway travel smoother and stress-free:

    Seamless toll transactions without delays

    A correctly linked FASTag ensures that your tag is recognised instantly at toll plazas. This reduces the chance of errors, double deductions or manual toll payments, allowing you to move quickly without waiting in cash lanes.

    Accurate SMS alerts and account statements

    Every toll deduction is sent to your registered mobile number. If the customer ID and vehicle number are linked, these alerts match the right car, helping you keep track of expenses and reconcile statements easily.

    Eligibility for NHAI passes and discounts

     Some highways offer monthly or annual passes or concessional tolls. These benefits are only available if your FASTag is correctly mapped to your vehicle’s registration number and active customer ID.

    Faster refunds and dispute resolution

    If a toll deduction is made in error, issuers and NHAI can only process refunds when your FASTag details are correctly recorded. Having your VRN linked to the customer ID shortens investigation time and speeds up crediting the refund back to your wallet or bank account.

    Reduced risk of blocked or failed transactions

    Tags issued on chassis numbers or incomplete KYC accounts often get blocked if not updated. Proper linkage with your RC and customer ID prevents service interruptions and avoids penalties at toll plazas.

    Conclusion

    Finding and managing your FASTag customer ID is straightforward if you use the right tools. Whether through the NPCI status check, issuer’s app or customer care, your ID can be retrieved easily with your vehicle registration number. Update KYC when required and ensure the VRN is correctly linked. Doing so prevents toll hassles and guarantees smooth cashless travel.

    While FASTag ensures smooth toll payments and travel, protecting your vehicle with the right car insurance policy keeps you covered on every journey. Get expert insurance advice tailored to your needs by filling out the form on this page.

    FAQs

    1. What if my FASTag was issued on a chassis number?

    If your FASTag was issued before vehicle registration, it’s linked to the chassis number. Once your vehicle registration number is available, upload your RC copy and request a VRN update through your FASTag issuer’s portal or app.

    2. Which helpline should I call for toll plaza issues?

    For toll plaza issues, call the NHAI/IHMCL helpline at 1033.

    3. Can I link FASTag to my bank account for auto-recharge?

    Yes, you can link your FASTag to your bank account or prepaid wallet through the issuer’s website or app. Many banks also support auto-recharge or standing instructions.


    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.

  • Safeguard Your Road Experience by Understanding What the Brake Fluid Is

    by User Not Found | Dec 01, 2023

    Updated on 8 Dec 2025

    Every modern vehicle comes equipped with dashboard warning lights, and the brake fluid symbol is one you shouldn’t ignore. This symbol lights up when the brake fluid level is low or if there’s a problem with the braking system.

    Since brakes are directly linked to your safety, it’s important to understand what this symbol means and what actions to take when it happens. In this blog, you’ll learn how brake fluid works, what triggers this warning and whether brake failure stemming from this issue is covered under a car insurance policy.

    Understanding the brake fluid dashboard symbol

     The brake fluid dashboard symbol is an important warning light in your car that should never be ignored. It typically resembles a circle with an exclamation mark or a small droplet, often glowing red or yellow. When this light appears, it indicates that your car’s brake fluid level is low or that there may be an issue with the braking system. Driving with low brake fluid can make your brakes less effective and increase the risk of accidents. If you see this symbol, it’s best to stop, check your brake fluid and get professional help if needed.

    What does the brake fluid symbol mean?

     When this symbol illuminates on your car’s dashboard, it usually implies one of the following:

    • Low Brake Fluid Level: This is the most common reason for the brake fluid symbol to light up. The symbol’s appearance indicates that your car’s brake fluid level has dropped below the recommended threshold. Low brake fluid can result from brake pad wear, a leak or simply over time as the brake pads wear down.
    • Break System Warning: In some vehicles, this symbol might also be a part of a more general brake system warning light. In such cases, it signifies a broader issue with your vehicle’s braking system, such as a malfunctioning brake master cylinder, brake lines, or brake callipers.
    • ABS (Anti-lock braking system) Warning: Some vehicles may use a similar symbol to indicate a problem with the ABS, which is closely related to the brake system.

    Understanding the brake fluid symbol is crucial for your safety on the road. If this warning light suddenly lights up on your car’s dashboard, you mustn’t take it lightly. Low brake fluid can lead to reduced braking performance or, in extreme cases, brake failure.

    Common causes for the brake fluid symbol to illuminate

    The brake fluid warning light typically illuminates when an issue arises with the braking system. A common reason is a low brake fluid level, which may happen due to leaks or worn-out brake pads. Sometimes, the sensor that monitors fluid levels may be faulty and trigger the light.

    In other cases, old or contaminated brake fluid can also cause the symbol to appear. Since the braking system is crucial for safety, it’s best to have your car checked immediately whenever this warning appears.

    Safety actions to take when the brake fluid symbol appears

    If the brake fluid warning light turns on while you are driving, it means your car’s braking system needs immediate attention. Pull over safely and check the fluid level. Avoid driving long distances if the level is low, as it can weaken braking power and risk failure.

    The safest option is to call roadside assistance or visit the nearest mechanic for a refill or repair. Acting quickly protects both your safety and your car from further damage.

    Importance of car insurance in these scenarios

    Comprehensive car insurance helps cover repair costs, medical expenses and third-party damages, protecting you from heavy out-of-pocket payments. It also protects you legally, as driving without valid insurance is illegal and can lead to fines and penalties. Beyond financial protection, insurance provides peace of mind, helping you stay focused on the road and knowing you are prepared for unexpected situations.

    Conclusion

    The brake warning that you get on your car’s dashboard is an important sign that must never be ignored. It often indicates low fluid or a fault in the braking system, both of which can compromise safety. If it appears, check the fluid level, seek roadside help, or consult a mechanic immediately. Acting quickly prevents accidents and keeps your vehicle in good condition for safe driving.

    FAQs

    • Can I drive if the fluid light flashes?

    You must not drive when you see the light on the dashboard. Instead, check the fluid level or have your car inspected by a mechanic.

    • Can I fix my brake fluid light?

    In some cases, topping up the brake fluid can turn off the warning. However, the light may also indicate leaks or worn components, which require a mechanic’s inspection and proper repair.

    • What is the colour of bad fluid?

    Usually, the colour of bad fluid will be black or dark brown. It indicates that the fluid needs to be changed.

     


    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.

  • Benefits of High Security Number Plates

    by User Not Found | Nov 28, 2023

    Updated on 7 Jan 2026

    Car accidents can be traumatic and stressful, raising a million questions in your mind at once and leaving you in a state of panic. Everything happens so quickly, you do not get the time to analyse the situation and react suitably.

    While you are puzzled by what's happening around, it's important to ensure that everyone involved in the accident is safe. You also need to ensure that all legal steps are followed, and you get the appropriate compensation for your losses, if any.

    Things to follow after a car accident

    Here are a few things to do after a car accident:

    • Calm yourself: An accident may leave you in a state of panic, shock, fear, guilt, anger, nervousness or mixed emotions. While these reactions are normal, calm yourself down to deal with the situation. Take deep breaths or count to 10, or try whichever routine that makes you calm.
    • Determine injuries: Immediately after an accident, assess yourself and other passengers for injuries. Once you feel it is safe to move out of the car, check for other drivers' and passengers' injuries. If necessary, immediately call for an ambulance and wait for the help to arrive.
    • Move your vehicle: If possible, safely drive your vehicle to the side of the road, out of the path of moving traffic. This will ease the congestion on the road and also keep you at a safe distance from traffic while you exchange important information with witnesses.
    • Gather information: Talk to other drivers involved in the accident and try to get their names and phone numbers. Note down the model and license plate number of all the vehicles involved in the accident. Take pictures of the vehicles and people involved. Record statements of witnesses and make sure they agree to cooperate in the future.
    • File insurance claim: Immediately inform your insurance company about the car incident and provide them with all relevant information. Do not lie or hide facts while recording a statement, and try to be as accurate as possible. The other driver may ask for an unnecessary claim; therefore, make sure your insurer has your version of the accident as soon as possible.

    Frequently asked questions

    • Should I file an FIR for a minor car accident?

    If there are no injuries and minimal damage, it is not mandatory. But it is advisable to have an FIR for insurance claims and legal safety.  Even if it looks like a minor accident, it is better to call the police. This way, you will have an official record of the accident, even if the other driver disputes it and tries to sue you. Also, police can dispatch necessary assistance in a serious accident.

    • What is zero depreciation car insurance, and how is it helpful after an accident?

    Zero depreciation car insurance ensures that your insurer covers the full cost of parts replacement without subtracting depreciation, resulting in a higher claim amount and minimal out-of-pocket expense.

    • Can I claim insurance without a police report?

    Some insurers may allow claims without an FIR for minor accidents, but it is safer and easier to claim with a police report.

    • What if the other driver is uninsured?

    Your comprehensive four wheeler insurance will still protect you. However, recovery from the other party might involve legal proceedings.

    Conclusion

    Knowing what to do after a car accident can make a world of difference in handling the situation efficiently. From ensuring safety to filing a proper four wheeler insurance claim, each step plays a vital role. If you’re someone who values complete coverage, opting for zero depreciation car insurance offers peace of mind and financial protection.

    You must have  comprehensive car insurance and be in constant touch with your insurer and repair shop after an accident to settle your claim fast. Opt for an insurer that provides prompt claim settlements and a track record of a high claim settlement ratio.

    Stay informed, drive safely and always be prepared for the unexpected.


    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.

  • How to apply for a high-security number plate online?

    by User Not Found | Nov 28, 2023

    Updated on - 13 Jan 2026

    A high-security registration plate (HSRP) is a tamper-proof licence plate mandated for all automobiles by the government to enhance vehicle security and traceability. Applying for it online and offline is a simple process that saves time and effort. Vehicle owners can complete the application through the state transport department’s website or the nearest authorised dealer.

    Beyond being a legal requirement, HSRP also has a connection to your car insurance policy. This guide explains how to get a high-security number plate and its implications for your coverage.

    What is a high-Security Registration Plate (HSRP)?

    A high-security registration plate (HSRP) is a specialised aluminium number plate introduced to standardise vehicle identification and enhance traceability, especially across states. It helps prevent theft, reduce counterfeiting and improve road safety.

    Each plate is laminated with a reflective film for visibility in low-light conditions and includes a chromium-based hologram featuring the Ashoka Chakra, a unique 10-digit laser-etched identification number (PIN) and the ‘IND’ mark in blue. These details link the vehicle’s chassis and engine numbers with the NIC (National Informatics Centre) database.

    The HSRP also uses a non-removable snap-lock that breaks if tampered with and a self-destructive aluminium design that prevents reuse. Additionally, a third sticker with the PIN is affixed to the windshield for added security.

    Colour codes remain standard, white for private vehicles and yellow for commercial ones. For vehicles sold before April 1, 2019, HSRP installation is mandatory. Driving without one can lead to penalties ranging from INR 5,000 to INR 10,000, depending on the state.

    How to get a high-security number plate?

    There are different ways to get a high-security number plate for your vehicle. The process is simple, but make sure to do it through authorised dealerships or the portal approved by your State Transport Department. 

    If you prefer getting the HSRP in person, consulting the nearest RTO is the best and authentic option. They will provide a list of authorised HSRP fitment centres in your area. Carry the originals and photocopies of the documents required and visit the centre. The officials will verify your registration certificate and ID and generate a booking receipt. Pay the fee and get the plate installed by a technician. It may happen on the same day or a few days later, depending on how fast the HSRP is manufactured.

    Do not forget to affix the third-registration sticker on the windscreen and ensure the plates show the exact registration number, spelling and font. A colour-coded sticker is an essential part of the HSRP, highlighting the fuel type of the vehicle (orange for diesel, blue for petrol and green for EV/ CNG)Fix it too. Keep the installation receipt safe for future reference.

    Process to apply online for HSRP

    If you are wondering ‘how to get a high-security number plate online,’ follow the steps below.

    1. Visit the HSRP website for your state or the main website, bookmyhsrp.com.
    2. Click on “Book” under “High Security Registration Plate with Colour Sticker.”
    3. Provide vehicle details. Enter the registration number, chassis number, engine number, phone number and state.
    4. Choose between home installation or dealer installation and click proceed.
    5. Pick the right colour-coded sticker for your vehicle’s fuel type.
    6. Select the nearest dealer or fitment centre where you want to install HSRP and the booking slot.
    7. Pay the fees online to confirm the booking date and slot.
    8. Visit the fitment centre on the appointment date. Don’t forget to carry your original vehicle-related documents.
    9. Get your HSRP installed and a third, colour-coded sticker fixed on your windshield.

    Documents required for HSRP installation

    You will have to submit the following key documents to the fitment centre or authorised dealer when getting the HSRP fitted to your vehicle:

    1. Vehicle registration certificate (RC)
    2. Identity proof, like an Aadhaar card, a passport, a PAN card or a driving license
    3. Address proof, such as rental agreement, bank accounts and utility bills
    4. Payment confirmation receipt to show that you have paid the fees for HSRP affixation.

    Carry original and photocopies of the document to streamline the process.

    How to track HSRP application status?

    Use the following instructions to track your HSRP application status:

    1. Go to the official website, i.e. bookingmyhsrp.
    2. Click on “Track Your Order” or a similar option on the site.
    3. Enter your name, state, phone number, vehicle details and captcha.
    4. After submitting the details, you may access your HSRP application status and projected date of installation.

    HSRP and car insurance: Why it matters?

    HSRP actually plays a crucial role in the validity of your car insurance plan. Here’s why HSRP matters for your insurance:

    ● Proof of insurance

    When you purchase car insurance, the vehicle’s registration number (and the plate) becomes the primary identifier for your policy. It also legally links your vehicle to your insurance coverage. Not having the HSRP could lead to higher premiums and even policy rejections during renewal.

    ● Influences claim processing

    Insurance companies verify vehicle details through registration numbers when processing claims. Without proper HSRP compliance, you may face delays or complications during claim settlement. It could also lead to claim rejection.

    ● Impacts third-party liability

    Third party car insurance specifically covers your legal liability towards others in case of accidents. If your vehicle doesn’t have HSRP, the lack of proper identification could complicate liability determination and the lawsuit made against you.

    Conclusion

    Now that you are aware of how to get a high-security number plate, remember that they are a beneficial upgrade for your vehicle. Installing it on time will not only help you stay compliant with the transport laws but also ensure your car insurance remains valid and effective when you need it the most.

    While you focus on safe and responsible driving, consider exploring insurance options that can provide financial protection during unexpected incidents. Get tailored car insurance advice and solutions by filling out the form provided on this page.

    FAQs

    1. What to do if my HSRP is stolen or damaged?

    For missing or damaged HSRPs, you can apply for a replica. Visit the Booking My HSRP website and find the section “duplicate or replacement HSRP number plate.” Follow the process mentioned and schedule reinstallation. In case of theft, report the incident to the local RTO and police station immediately for your vehicle’s safety.

    2. Do I need to renew HSRP every year?

    Once installed, high-security registration plates are valid for a lifetime.

    3. Will an HSRP reduce my car insurance cost?

    Having an HSRP doesn’t directly reduce your car insurance premium, but it helps avoid penalties and claim disputes. It could also help your theft claims process faster due to the standardised automated tracking system linked to the plate.

    4. Can I install an HSRP at any local shop?

    HSRP installation can only be done through authorised vendors or state transport departments. Local roadside shops are not permitted to issue HSRPs.

    5. Can I transfer my HSRP to a new vehicle?

    No. Each HSRP is uniquely linked to a specific vehicle and cannot be transferred.


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

    Related Articles

    Benefits of High Security Number Plates

    Guide to High Security Registration Plates

    Exploring High Security Number Plate Price

    Difference between HSRP and normal number plate

    HSRP Number Plates Rules for Vehicles

  • What is a Power Steering System?

    by User Not Found | Nov 22, 2023

    A power steering system is an essential innovation in the automotive industry that makes steering effortless and quick. Power steering uses hydraulic or electric assistance to help the driver turn the steering wheel, in contrast to traditional manual steering systems, which require much physical effort.

    This technology has considerably improved driving comfort and safety by requiring less effort to move a car, particularly at low speeds or when parking. In the following section, we will help you understand what is power steering and how it works. So, let us get started right away!

    What is Power Steering in Cars?

    This technology assists drivers in steering their vehicles more quickly and efficiently. The stages that make up a power steering mechanism are as follows.

    • First Step

    The steering column rotates as a result of the driver’s input on the steering wheel.

    • Second Step

    The steering column’s motion is subsequently transmitted to the pinion and rack using the universal joint.

    • Third Step

    The two gears in the pinion and rack turn the car wheels in the appropriate direction.

    Now, let’s look at the three different types of power steering systems.

    1. Hydraulic power steering

    • Hydraulic Power Steering employs an engine-driven pump connected to a serpentine belt.
    • This pump pressurizes hydraulic fluid to help with steering.

    2. Electric power steering

    • Electric power steering uses electrical energy to help with steering.
    • To improve control, a bi-directional magnet motor fixed to the steering column or gear activates in response to the driver’s input.

    3. Electro-hydraulic power steering

    • The hybrid electro-hydraulic power steering system includes elements of both hydraulic and electric steering systems.
    • Its structure is quite like a hydraulic system but employs an electric motor for assistance.

    Conclusion

    Now that you have clarity on what is power steering in a car, you would agree that the development of power steering systems has markedly improved the driving experience. These innovations have given drivers greater control, less physical exertion, and better maneuverability. These innovations have entirely changed how drivers interact with their automobiles, whether through conventional hydraulic systems or more current electric power steering. Modern driving is safer and more fun because of advances in technology that make it easier and more comfortable for drivers to steer their vehicles on the roads. Having car insurance further enhances your peace of mind while enjoying these advancements. Opting for comprehensive car insurance ensures added protection against unforeseen situations on the road.

  • What is Hydroplaning?

    by User Not Found | Nov 22, 2023

    In wet or rainy weather, hydroplaning, also known as aquaplaning, happens when a vehicle’s tires lose contact with the road because of a thin layer of water. It occurs as a result of excessive speed or worn tire treads; this makes it difficult for tires to remove water and maintain traction.

    Slowing down, maintaining good tire condition, avoiding cruise control in wet conditions, and circumventing standing water are all ways that drivers can lessen their risk of hydroplaning. When hydroplaning happens, drivers should maintain composure, let off the gas, turn softly, avoid rapid manoeuvres, and wait for the wheels to regain traction. Continue reading the following section, which will give you an insight into what is hydroplaning, including its causes and how to avoid it.

    What is Hydroplaning or Aquaplaning?

    Hydroplaning, or aquaplaning, occurs when a vehicle’s tires lose traction on a wet road due to a thin layer of water. Key factors influencing hydroplaning include:

    • Speed

    Higher speeds increase the risk of hydroplaning as tires struggle to displace water effectively.

    • Road Conditions

    The presence of oil, debris, or uneven road surfaces can exacerbate hydroplaning.

    • Rainfall Intensity

    Heavy rain can lead to faster water accumulation and higher risk.

    • Vehicle Weight and Size

     Heavier vehicles are more prone to hydroplaning due to increased momentum and tire loads.

    • Driver Behaviour

     Aggressive driving and sudden manoeuvres can disrupt a vehicle’s balance.

    • Proper Maintenance

    Regular vehicle upkeep, including tire checks and braking system maintenance, can reduce hydroplaning risk.

    You may significantly lower the likelihood of hydroplaning occurrences by following these tips.

    • Reduce speed on wet roads.
    • Drive defensively and maintain safe distances.
    • Monitor and maintain proper tire tread depth.
    • Regularly check and maintain recommended tire pressure.
    • Rotate tires for even wear.
    • Invest in high-quality, wet-weather performance tires.

    Conclusion

    Considering the above, it must be clear what is aquaplaning all about. It remains a significant road safety concern when tires lose grip on a water-covered road surface.

    To avert potential accidents, drivers should exercise caution by reducing speed, ensuring proper tire maintenance, driving defensively, and maintaining safe following distances. These proactive measures are crucial for enhancing road safety and reducing the risk of aquaplaning incidents on wet roadways. Investing in comprehensive car insurance can also provide financial protection against unforeseen damages caused by such incidents. Choosing the best car insurance ensures added peace of mind with reliable coverage and support during emergencies.

  • What is the Difference Between a Hatchback and a Sedan?

    by User Not Found | Nov 22, 2023

    Difference Between a Hatchback and a Sedan Choosing between a hatchback and a sedan might be difficult for first-time car purchasers or those seeking affordable solutions. You might be gravitating toward these smaller options rather than larger SUVs. In order to assist you in making a wise choice, we will explain the difference between hatchback and sedan in this section.

    This post will let you see which best suits your requirements and tastes. With this crucial hatchback and sedan difference, we have got you covered whether you are looking for a utility vehicle or classic sedan styling.

    What is the difference between a hatchback & a sedan?

    Let’s look at the parameters to know what is the difference between a hatchback and a sedan.

    • Design Type

    Hatchbacks have a two-box design, combining the trunk and rear window.

    Sedans feature a three-box design with separate compartments for the engine, cabin, and trunk.

    • Size

    Hatchbacks are smaller and more compact, making them easier to maneuver.

    Sedans are larger, offering more interior space for passengers and cargo.

    • Rear Visibility

    Hatchbacks provide better rear visibility due to their design and larger rear windows.

    Sedans offer lower rear visibility, often limited by a separate trunk.

    • Cabin Space

    Hatchbacks typically have less cabin space.

    Sedans offer more roomy interiors for passengers.

    • Boot Space

    Hatchbacks usually come with a smaller boot or trunk space.

    Sedans typically offer a larger trunk for storage.

    • Fuel Economy

    Hatchbacks tend to be more fuel-efficient due to their lighter weight.

    Sedans are often less fuel-efficient due to their heavier weight.

    • Price

    Hatchbacks are generally less expensive than sedans.

    Sedans are usually more expensive than hatchbacks.

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