Updated on - 28 Apr 2026

Insurance generally offers basic coverage along with the option to purchase add-ons for enhanced protection. In India, different types of car insurance coverage are available; out of which, we will focus on third-party liability coverage in this blog and see if third party car insurance is mandatory.

What is The Meaning of Third-Party Car Insurance?

Let’s address the main question first, 'Is third-party insurance mandatory when buying a car?' Yes, it is a mandatory requirement to legally drive on the road. Third-party insurance is also known as 'act-only cover'. It is a type of liability insurance that protects vehicle owners from claims made by third parties. With this insurance, you are shielded from compensating third parties for any losses or injuries they experience in an accident involving your vehicle.

Is Third-Party Insurance Mandatory in India?

Yes, third-party insurance is mandatory in India, as per the Motor Vehicle Act of 1988.

In situations where every vehicle on the road has third-party insurance, you would see accident victims receiving appropriate compensation without straining their finances. Likewise, if you were responsible for an accident, you wouldn't have to face significant financial setbacks, as the insurance policy would handle the situation.

Although the ideal scenario involves all vehicles having third-party liability insurance, about 54% of vehicles plying on Indian roads are uninsured. Consequently, many innocent accident victims find themselves footing the bill for medical treatments or repairs out of their own pockets. This highlights the critical need for mandatory third-party insurance.

What is Covered Under a Third-Party Insurance Plan?

When it comes to the coverage inclusions of third-party insurance, you'll find that it provides protection for injuries and property damage caused by your insured vehicle. This protection covers a range of situations, including physical injuries, vehicle damage, property damage, and even fatalities.

Note: There are certain circumstances where third-party insurance won't provide compensation, for e.g. if the driver was under the influence of alcohol or driving without a valid license. To understand what’s covered and what’s not, be sure to read the policy thoroughly before buying car insurance.

Importance of Third-Party Car Insurance

Third-party insurance is beneficial for several reasons-

1. Legal Compliance: It ensures that the car complies with the traffic rules and protects the owner from the legal consequences of driving without vehicle insurance.
2. Financial Protection: Third-party insurance provides financial support to the policyholder in case of any injuries inflicted on others or damages to their properties during an accident.
3. Peace of Mind: It provides mental peace, knowing that in case of a mishap, the policy will safeguard you from the financial burden caused by third-party claims.

Conclusion

To wrap up, you should be aware that third-party car insurance is a requirement for driving legally on Indian roads. This liability insurance ensures you won't have to handle the financial responsibility of compensating third parties for losses or injuries due to accidents involving your vehicle. It's a good idea to have a thorough discussion with your insurance provider to gain a comprehensive understanding before you decide to purchase insurance.

FAQs

1. What happens if you drive a car without third-party insurance in India?

Driving without third-party insurance is a legal offence under the Motor Vehicles Act, 1988. You may face penalties such as fines, imprisonment, or both. Additionally, you will be personally liable to compensate for any damage or injury caused to a third party.

2. Does third-party insurance cover damage to my own car?

No, third-party insurance does not cover damage to your own vehicle. It only compensates for injuries, death, or property damage caused to others. For own-damage protection, you need a comprehensive car insurance plan.

3. How is compensation decided in third-party insurance claims?

Compensation for third-party claims is determined by a Motor Accident Claims Tribunal (MACT). The claim amount is based on factors like the extent of injury, property damage, loss of life, supporting evidence, and documentation.

4. Can I upgrade from third-party insurance to the best car insurance plan?

Yes, you can upgrade your policy from a basic third-party cover to the best car insurance plan, typically a comprehensive policy. This allows you to include own-damage cover and add-ons like zero depreciation, roadside assistance, and engine protection.

5. Will third-party insurance be enough for complete car protection?

While it meets legal requirements, it may not be enough for complete financial protection. It does not cover your own vehicle’s damages or theft, so many vehicle owners opt for broader coverage to reduce out-of-pocket expenses in various scenarios.

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.

Third-party insurance is essentially a legal requirement to be able to drive your vehicle on the road. It typically offers you a form of liability coverage that safeguards you in case someone lodges a claim against you for damages or losses. While you might not always need it, in situations where it's necessary, it can be your lifeline, guarding you against the threat of financial setbacks. So, let’s look into what third party insurance covers.

What is covered under third-party car insurance?

So what does third party insurance cover? We’ve provided a list of everything that this insurance covers below:

• In situations where you're responsible for causing accidental harm to a third party's property, there's no need for you to fret about the expenses. Third-party insurance steps in to cover the damages incurred by the affected party.
• In the unfortunate event that an accident you're involved in leads to the death of a third party, your insurance takes care of the resulting liability. Claims in these circumstances are evaluated through Motor Accident Claims Tribunals, which determine compensation based on the impact of the tragic loss and the earning potential of the deceased (up to INR 7.5 lakh).
• Accidents sometimes result in disabilities. If the third party suffers from partial disabilities, like fractures, which are expected to heal over time, the insurer provides coverage for necessary medical expenses. On the other hand, in instances of permanent disability, the insurer offers a predetermined sum to the affected third party.
• Regardless of the severity of bodily injuries sustained by a third party, medical coverage is extended to typically cover all types of injuries.
• Third party insurance also covers legal expenses which arise while defending third party lawsuits related to the accident.

Updated on 10-04-2025

One technology that's gaining widespread use is Continuously Variable Transmission. This unassuming yet impactful system, often indicated by a "+" and "-" symbol, is pivotal in modern cars, allowing seamless gear changes without the need for traditional gear shifts. Understanding the pros and cons of CVT is crucial for making informed decisions about your vehicle. We'll explore these aspects in detail, delving into the world of CVT and its impact on your driving experience.

Pros of CVT

Let us discuss the benefits of CVT:

• Enhanced Fuel Efficiency

CVT-equipped vehicles are renowned for their superior fuel efficiency. It is especially crucial in a world where rising fuel costs are a significant concern. Many hybrid and Plug-in Hybrid Electric Vehicles (PHEVs) employ CVTs to optimise fuel consumption.

• Hassle-free Seamless Long-Distance Drives

CVTs operate using a belt-driven system that smoothly adjusts the rotation of the rotor disc or pulley in response to power input and the car's momentum. The result is an exceptionally smooth driving experience with no sudden jolts or jerks, which becomes especially noticeable during long-distance journeys. CVT technology ensures your engine remains calm and composed even on extended drives.

• Desired Power All the Time

Unlike traditional gearboxes with fixed gear ratios, CVTs offer an array of infinite gear ratios. This feature leads to rapid and responsive acceleration. You can enjoy a powerful surge without worrying about gear shifting when tackling uphill terrains. It proves exceptionally advantageous on highways, where your car effortlessly attains cruising speeds.

• Fewer Parts and Lighter Weight

CVTs simplify the shifting process, resulting in fewer components needed for manufacturing. Hence, in turn, lower maintenance costs and a decreased likelihood of mechanical failures due to the reduced number of parts. Additionally, the absence of gear requirements contributes to a lighter engine, directly enhancing fuel efficiency.

• Adaptive to Driving Conditions

CVTs can quickly adapt to various driving conditions. Whether you are navigating through city traffic or coasting on a highway, the CVT adjusts gear ratios in real-time based on your acceleration and driving demands. This adaptability ensures optimum engine performance, irrespective of the driving scenario.

• Reduced Wear and Tear

Since CVTs operate without the abrupt gear changes seen in traditional transmissions, there's less wear and tear on the engine and transmission components over time. The constant and smooth adjustment of gear ratios means the engine doesn't experience sudden load changes, which can extend the vehicle's lifespan.

 Cons of CVT

There are a few drawbacks of CVT, such as:

• High Maintenance Costs

CVT engines require specialised oil that cannot be mixed with regular transmission fluids. In conventional engines, oil is primarily used for lubrication, while in CVTs, it secures components and prevents slippage. This unique requirement significantly raises maintenance costs compared to traditional transmissions.

• Peculiar Acceleration Tone

Drivers of CVT-equipped cars may notice a distinctive sound during acceleration, often referred to as the "rubber band effect." This phenomenon results from the belts' continuous contraction and expansion within the CVT unit. While this sound doesn't significantly affect power delivery, it creates a non-linear and atypical acceleration sound compared to other transmission types.

• Costly Repairs

CVTs have a higher likelihood of failure than conventional transmissions. Generally, CVTs are considered reliable up to around 80,000 to 90,000 kilometres. Beyond this point, the CVT belt begins to wear and deteriorate. As a result, car manufacturers often opt to replace the entire transmission system, leading to substantial repair expenses.

• Issues at Higher RPMs

While CVTs offer a wide range of gear ratios, they require careful monitoring at higher RPMs to prevent the vehicle from entering the danger zone. In certain situations, the CVT unit may incorrectly interpret input and unnecessarily rev the engine to a higher gear, potentially causing performance issues. It necessitates attentive driving and engine management at higher speeds.

• Limited Engine Feel

Some driving enthusiasts prefer the tangible sensation of gear shifts, which CVTs lack. This continuous transition between gear ratios often leads to a feeling of detachment from the driving experience.

• Heat Sensitivity

CVTs are known to be sensitive to high temperatures. Continuous driving under demanding conditions, like towing or driving in hilly terrains, can cause the CVT to overheat.

Conclusion  

Now that you're well-informed about the pros and cons of Continuously Variable Transmission, you can make a more educated decision when selecting a vehicle. Purchasing a car is a significant investment that requires thorough research. If you feel comfortable with CVT technology, you can consider vehicles that feature it. When buying a car, don't overlook the importance of the right car insurance policy, which safeguards your vehicle on the roads. ICICI Lombard offers comprehensive four-wheeler insurance plans that you can compare and choose online to ensure your car's protection.

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.

Ready to unravel the mystery behind Mahindra Scorpio mileage? We’re here to spill the beans on the fuel efficiency of this beast. Whether you're a seasoned Scorpio enthusiast or just dipping your toes into the world of SUVs, we've got the mileage scoop you've been craving. So, fasten your seatbelt, and let's dive into the world of Scorpio's fuel efficiency!

Mileage of the Mahindra Scorpio

Take a look at the following breakdown of the mileage of Scorpio:            

• Official mileage

The Mahindra Scorpio proudly boasts an official mileage of 15.4 km/hr. This statistic is based on the ARAI (Automotive Research Association of India) test cycle, conducted in a controlled laboratory environment and might not precisely mirror real-world driving conditions.

• Diverse factors:

The actual mileage your Scorpio attains may fluctuate due to distinct components. Your driving style influences it: fluid and even driving is kinder to your fuel capacity than forceful maneuvers.

Road conditions matter: whether sleek highways or uneven city streets, they impact your mileage.

Weight has significance: the cargo you transport affects it—greater weight, heightened fuel consumption.

• City vs. highway

Generally, anticipate around 15 km/hr during city drives and a slightly peppier 16 km/hr on the highway. But remember, these figures aren't set in stone.

• Real-life scenarios

While some Scorpio owners praise hitting or surpassing these mileage marks, others share experiences that don't match the official numbers.

• Engine options

The Scorpio gives you a choice between a 2.0-liter petrol engine and a 2.2-liter diesel engine. Diesel tends to be more fuel-efficient, but it also tends to produce more emissions.

• Versatility at its core

Renowned for its spacious interior and robust build, the Scorpio is a sought-after option for families and businesses. Its hardy design is coupled with the ability to handle off-road terrain.

Are you in the market for an SUV? Then look no further than the Thar! The Mahindra Thar is a superior choice - powerful and robust. This indulgent sport utility vehicle has been gaining momentum in the market thanks to its impressive features and capability. But one of the questions most people have before they make a purchase is “what is the mileage of this vehicle?” Well, we've got answers for you.  Whether you're a rugged explorer or a city slicker eyeing the thrill, we've got the lowdown on what makes this iconic ride guzzle or conserve fuel. Get ready to dive into the world of Thar's fuel efficiency in the this article.

Mileage of the Mahindra Thar     

Hold onto your seats because we're about to break down the Mahindra Thar mileage story in simple points:

• Fuel variety

Mahindra Thar's versatility extends to its engine and transmission options, pivotal in shaping its mileage. The diesel manual version, hitting a commendable 15.2 km/hr, strikes a balance between power and efficiency. On the other hand, the automatic diesel variant, while providing convenience, hovers around 9.0 km/hr, leaning slightly away from fuel efficiency. The petrol manual and automatic editions align closely at 15.2 km/hr, delivering consistent performance and efficiency. This diverse array of options caters to different driving preferences and efficiency needs.

• ARAI mileage

We mentioned the numbers based on ARAI (Automotive Research Association of India) testing. However, remember that these figures are achieved in controlled environments and might differ from real-world scenarios.

Just like any vehicle, the Thar's mileage can fluctuate due to several elements:

• Driving style

Smooth, gradual driving is easier on the fuel than aggressive acceleration.

• Terrains traversed

Whether tackling challenging trails or cruising smooth highways, the terrain can sway your mileage.

• Payload

What you're carrying affects mileage too. The heavier load you put in your Thar, the more fuel it takes to move.

• Real-world adventures

Thar enthusiasts often share their real-world mileage tales. Some applaud hitting or surpassing the official numbers, while others have experiences that might not align.

• Engine selection

The Thar presents a choice between diesel and petrol engines. Diesel often leans towards efficiency, but remember, it can also lean towards higher emissions.

• Unleash the versatility

Known for its robust design and off-road prowess, the Thar isn't just an SUV; it's an experience waiting to be explored. Families and adventurers alike find a match in its spacious interior and capability.

Curious about the mileage of the Volvo XC90? Well, buckle up for an enlightening ride about its fuel efficiency. We're unpacking the digits behind this luxury SUV's mileage in detail. Whether you're an auto enthusiast or a practical driver, get ready to explore the ins and outs of Volvo XC90's mileage performance.

Mileage of Volvo XC90

Here's a comprehensive look at the mileage of the Volvo XC90:

• Official numbers

The official mileage figures from the source for the Volvo XC90, which offers both petrol and diesel variants. The petrol version impresses with an official mileage of 17.2 km/hr, highlighting its efficient performance. On the diesel front, the XC90 maintains a sturdy balance of power and efficiency, showcasing an official mileage of 16.3 km/hr. These figures provide a glimpse into the XC90's prowess in delivering both performance and fuel economy. Diesel enthusiasts will appreciate this balance of power and efficiency.

• ARAI insights

These official figures are rooted in ARAI (Automotive Research Association of India) testing. However, it's essential to remember that these laboratory-based tests might not perfectly mirror real-world driving conditions.

• Variation galore

Brace yourself for variations in actual mileage. Your XC90's real-world mileage depends on multiple factors, such as driving style, road conditions, and vehicle weight.

• Urban versus open road

As a rule of thumb, you can anticipate the XC90 achieving around 15-17 km/hr in city driving and a sprightly 18-20 km/hr on the highway. But remember, these numbers aren't carved in stone.

• Owner experiences

The beauty of real-world experience shines here. Some XC90 owners report surpassing these estimated figures, while others might experience slightly lower mileage.

If you’re an Ertiga superfan, you’re probably wondering “What is the mileage of Ertiga”? Well, buckle up as we take you on a journey to explore the efficiency of this versatile ride. Whether you're a seasoned car enthusiast or a family-oriented driver, get ready to delve into the nitty-gritty of the Maruti Ertiga's mileage performance.

Mileage of the Maruti Ertiga

If you are wondering “What is the average of Ertiga?” we’ve covered everything you need to know about the mileage of the Maruti Ertiga below:

• The duo of engine options

The Maruti Ertiga greets you with two engine choices – a spirited 1.5-liter petrol engine and a diesel counterpart of the same size. Interestingly, the city and highway efficiency dynamics vary for these two. The petrol engine shines in urban landscapes, while the diesel engine boasts better efficiency on the open road.

• Petrol precision

The official mileage figures for the Maruti Ertiga petrol are noteworthy. The manual variant flaunts an impressive 20.3 km/hr, while the automatic variant is equally commendable with 20.51 km/hr.

• Diesel efficiency

The diesel variant of the Ertiga doesn't fall short in the efficiency department either, showcasing an official mileage of 25.47 km/hr for the manual variant.

• Variables at play

Keep in mind that the actual mileage of your Ertiga is influenced by a medley of factors, ranging from your driving style to the condition of the road you traverse, not to forget the weight your vehicle carries.

• City versus highway

As a general yardstick, you can anticipate the Maruti Ertiga delivering around 18-20 km/hr within city limits and a promising 22-24 km/hr on highways. However, bear in mind that these figures aren't set in stone.

• Real-world experiences

In the realm of real-world experiences, Ertiga owners share varied mileage accounts. Some revel in surpassing these estimates, while others might find their mileage slightly deviating.

Considering beyond the mileage numbers of Maruti Ertiga:

• Vehicles also age, just like fine wine. As your Ertiga matures, its mileage might significantly decline, a natural part of the automotive journey.
• Regular maintenance is more than care; it can boost your Ertiga's mileage potential. Timely services and oil changes can make a notable difference.
• Your driving style isn't just about comfort; it influences your mileage. Aggressive driving burns more fuel, while a steady pace stretches each drop.
• The weight you're carrying has a say in mileage. A heavier Ertiga translates to a slightly hungrier fuel tank.
• Engine choice isn't just about performance; it affects mileage, too. Diesel engines, renowned for their efficiency, edge out their petrol counterparts.

Conclusion

In conclusion, the Maruti Ertiga stands out as a practical MPV that balances performance and fuel efficiency, with mileage figures that can vary based on driving habits and road conditions. Choosing the right car insurance ensures you stay financially protected against unforeseen events while enjoying your drives. Additionally, opting for a reliable maruti car insurance plan can offer tailored coverage and peace of mind for your Ertiga ownership journey.

Get ready to uncover the mileage prowess of the Mahindra XUV 700! In just a few lines, we're delving into the efficiency story behind this remarkable vehicle. Whether you're a driving enthusiast or someone who values economical rides, join us as we delve into the numbers that define the XUV 700's impressive mileage performance.

Mileage of the Mahindra XUV 700        

You can explore the Mahindra XUV 700 mileage through our comprehensive breakdown, listed below:

• Engine duo

The Mahindra XUV700 presents a choice between two dynamic engines – a sprightly 2.0-liter turbo-petrol and a robust 2.2-liter diesel. This engine duo underscores the XUV700's versatility, adapting to diverse driving demands.

• Urban and highway proficiency

It adds a layer of adaptability; the XUV700's petrol engine thrives in cityscapes, while the diesel counterpart thrives on open highways, showcasing superior fuel efficiency.

• Official ARAI mileage figures

The XUV700's official ARAI-certified mileage figures provide insight into its efficiency capabilities. The petrol engine excels with an ARAI-certified mileage of 16 km/hr for the manual variant and 15 km/hr for the automatic version. On the other hand, the diesel variant takes the lead, boasting an ARAI-certified mileage of 17.5 km/hr for the manual option and 16.8 km/hr for the automatic counterpart. These figures illuminate the XUV700's diverse efficiency capabilities across its engine choices.

• Influences that shape real-world mileage

Recognize that real-world mileage isn't cast in stone. It's influenced by factors beyond numbers, including your driving style, the conditions of the road, and the payload your XUV700 carries.

• Guiding averages for city and highway

As a rule of thumb, expect the XUV700 to deliver around 14-16 km/hr within city limits, embracing congested streets. The XUV700's efficiency shines even brighter on highways, promising a promising 16-18 km/hr.

• Real-world insights from owners

While these ARAI figures provide a solid reference point, individual experiences may differ. Some owners may find their XUV700 exceeding the estimated figures, while others might witness a slight variance.

General insurers after bargaining with hospitals for reducing charges, turned their back towards the auto industry. It is known that the general insurance sector pays for most of the repairs hence they turned towards the auto industry to bring down the cost of repairs. Surprisingly, the auto companies reverted positively and accepted the cut off in repair costs.

The recent times it has been noticed that companies negotiate with the auto companies manufacturers. Apart from sharing of claims data with various insurance companies, they are also the ones recommending changes in the processes, which may include anti-theft devices to dent removing equipment. In all this hustle and bustle, it has been a big task to include big companies like Maruti and Honda into the plan for supplying parts to bring down the cost drastically.

A Pollution Under Control (PUC) certificate is mandatory for all vehicles in India

The Environment Pollution Control Authority (EPCA) have said that they will work in close collaboration with insurance companies in India to ensure the complete compliance of mandatory linking of Pollution Under Control (PUC) certificate with the motor insurance policy of the vehicle. The insurers will also start a pilot project in Delhi NCR to identify the set of vehicles that do not come back for the registration of PUC.

The details of such vehicles would then be shared with the transport department to keep strict vigilance on such cars and two-wheelers that are trying to violate the norms. The EPCA also said that it would direct the Delhi government to strongly advertise that, “The insurance is mandatory for the vehicles and so is the PUC certificate”.

Sunita Narain, an EPCA member said, “Let us work towards 100% insurance and 100% PUC compliance in NCR and see what the loopholes are and let us see how the improvements can be made”.

Earlier in July 2018, the Insurance Regulatory and Development Authority of India (IRDAI) has stated that a valid PUC certificate is compulsory for all the vehicles to renew their car insurance plan and issued a notification instructing the insurance companies not to insure a vehicle unless it produces a legitimate PUC certificate.

As per the Motor Vehicles Act, a vehicle plying without a valid PUC certificate is liable to be prosecuted under section 190(2) with a fine of up to Rs. 2000. Computerised facilities for checking pollution levels of the vehicles and issuing a PUC certificate for those meeting the emission standards are available at many petrol pumps and workshops across the cities.

It isn't new to see consumers face bitter resentment on having claims rejected or on realising that the insurance cover opted for is inadequate to meet their crisis requirement. Such scenarios arise mostly when it is too late for any corrective action. This harbours negative feelings of distrust towards the insurance provider.

What needs to be realised is that the insurance company is merely following the details mentioned in the claim policy, which the insured had willingly signed. To foster mutual trust and better understanding, it is extremely important to know how to read your policy wordings before accepting the deal.

Here are a few such clauses that are instrumental in shaping your motor insurance policy. These have been simplified to help you make an informed decision:

1. Damage To The Vehicle Insured

While reading your policy, pay special attention to the items mentioned in this list. The insurance company will only compensate you if your vehicle entails a loss or is damaged due to the conditions mentioned under this section.

2. IDV (Insured Declared Value)

The sum insured depends on your Insured's Declared Value (IDV). This is simply calculated by deducting depreciation from the manufacturer's sale price. The depreciation rates are fixed by the Insurance Regulatory and Development Authority of India (IRDAI). As your vehicle ages, the sum insured is reduced due to its depreciation.

3. Liability To Third Parties

Third party liability cover is a statutory requirement under the Motor Vehicles Act. It safeguards the interest of the third party that might be affected due to an accident caused by you. In such a scenario, the insurance company will compensate for the loss caused by the insured vehicle. Third party covers do not compensate the driver-owner for damages to the insured vehicle.

Around 10-15% of the claims settled in terms of motor and health insurance are frauds. This has led general insurance companies to come together and identify the breeding grounds and patterns of frauds. To this effect, the association of non-life insurers, known as General Insurance Council (GIC) has hired the services of US-based data analytics firm LexisNexis Risk Solutions.

The data analytics firm is doing a study that will take into consideration the premium and claims data of policyholders, and also other stakeholders such as motor garages, diagnostics, pharmacies, laboratories and hospitals. This study is a pilot project that entails insurers submitting their last two year’s data pertaining to health and motor insurance policies, along with claims.

So far, 10 insurance companies have submitted data. The first set of data comprises of 75 million motor insurance policies, 10 million health insurance policies and 8 million motor insurance claims. The fraud study aims to identify fraud cases based on 100 data elements.

Giving more details on the initiative, R Chandrasekaran, secretary general of GIC said that they are using a two-pronged approach to combat frauds. They have created a fraud risk-mitigation portal for all insurers, in which each member is required to enter identified and suspected cases of fraud.

The portal has categorized fraudsters as insured individuals, agents, surveyors, garages and hospitals among others. So far, this information sharing from insurers has helped insurers identify some fraudsters, with 15,000 cases reported annually.

*Source: mydigitalfc.com

Also Read:

55% Households In India Don’t Seek Healthcare From Public Sector, Says Survey
Disease-specific Insurance Plans Becomes Popular In Hyderabad

Nearly 1.5% of road accidents are caused by bad roads. Every minute a traffic-related death occurs in India. Approximately 377 people die every day, costing the country an annual loss at approximately 3% of GDP. 

India accounts for 15% of all road accidents in the world. Considering the dismal number of deaths caused by road accidents every year, the World Health Organisation (WHO) has cited the need for national governments to take proactive measures. According to their reports, if appropriate action is not taken, annual road traffic deaths are predicted to reach around 2 million by 2020.

Read on to learn how road conditions contribute to the safety of motorists as much as individual alertness does.

What are the causes of road accidents in India?

1. Roads and Maintenance

Globally, India is at the 90^th rank in road quality and safety. The number of road accidents has been increasing steadily at the rate of 10-15% during the past decade. There seems to be a serious gap in road safety standards and systems.

The situation worsens during monsoons when roads deteriorate and the number of accidents increases sharply. The pothole-riddled roads become asphalt graveyards especially for motorists during the monsoon, and maximum accidents occur hile motorists dodge potholes.

According to experts, many road accidents go unregistered and the actual figures of casualties could be much higher than 10,000 per year.

2. Non-adherence to Road Laws

Roads are a country's lifeline. Every day millions of people commute along a broad network of over 33 lakh km stretch of Indian roadways.

WHO studies highlight how only 15% of all countries in the world have comprehensive laws in relation to five key risks - speeding, drinking and driving, non-use of helmets and seat belts, and child restraints.

3. Haste Is Waste

To err is human but to ignore is immaturity. Unfortunately, the large numbers of accidents caused on Indian roads are owing to negligent driving practices.

Reckless driving, not following traffic signals, driving under the influence of alcohol, talking on the phone while driving, and not stopping for pedestrians to cross the road are commonplace, and result in fatalities.

Even now, a large number of motorists neglect personal safety measures while driving/riding - wearing the seatbelt, helmet, turning on headlamps of the vehicle when travelling at night or in poor visibility conditions.

It is imperative for each of us to understand that safety is each one's responsibility. Caution and good presence of mind during long road trips, or when taking a turn around a corner, or even while crossing the road, can be the difference between life and death.

How to prevent road accidents in India

As per the law, traffic offenders must be immediately reported to the police and strict action must be taken against them. This will not only instil alertness among other motorists but dissuade the offender from indulging in rash and negligent practices.

The following steps can be taken to prevent road accidents in India-

• A responsible mechanism to monitor road conditions regularly, and enforce safety standards
• Sensitising police, traffic officials, government authorities regarding the menacing conditions posed by potholes and poor roads
• Placing accountability of accidents on civic authorities, engineers, and bureaucrats responsible for road construction and maintenance
• Government responsiveness and strict code of conduct for responsible authorities

Conclusion

Accidents may lead to severe physical damage that might even leave individuals incapacitated for life. Family and loved ones suffer grief and loss in the aftermath of accidents and are subject to considerable economic loss. While preventing accidents may not be within our control, one can cushion the impact of the unavoidable financial loss they cause. Opting for comprehensive four-wheeler insurance provides financial coverage against various uncertainties. Additionally, considering zero depreciation car insurance ensures that you receive the full claim amount without depreciation deductions, offering complete peace of mind. By combining responsible driving habits with robust insurance coverage, we can collectively work towards reducing road accidents and their associated impacts in India.

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.  

Updated on 26 Dec 2025

When you buy a new car, it usually comes with two keys. While this might seem like a simple convenience, it plays an important role when it comes to insurance claims. In cases of theft, insurance companies often ask for both keys before approving a claim, and failing to present them may lead to claim rejection. Understanding the role of car keys in comprehensive car insurance claims can help you avoid unnecessary stress and ensure a smoother claim process.

Why insurance companies ask for both keys

Car insurance is designed to protect you against genuine risks such as theft, but it does not cover losses caused by carelessness. This is where car keys become important in a claim. When both keys are provided, it reassures the insurer that the theft did not happen because of the owner’s negligence. It also shows that the claim is being made in good faith, without any intention to mislead the company.

Is it legally mandatory to submit both keys?

It is not always legally mandatory to submit both car keys, but most insurance companies and lenders expect it. If you lose one key, you should inform them. Not being able to present both keys may affect your claim, so always check your policy or agreement first.

Scenarios where car keys matter in insurance claims

If your car is stolen with the keys left inside, insurers may reject the claim. Lost or misplaced keys can also affect coverage. Always keep your keys safe, as insurers check how responsibly they were handled during the incident.

What if you’ve lost one car key?

First, file an FIR at the closest police station to show that the loss was not due to carelessness. Then, inform your insurance company or agent right away. If your car is safe but locked, have it towed to a secure place instead of trying to open it yourself, since forcing it could create problems with your claim.

How to protect yourself from claim rejection due to missing keys

To avoid claim rejection from missing keys:

• Keep a spare key.
• Add key protection coverage to your policy.
• Store keys securely and consider a Bluetooth tracker.

Common myths about car keys and insurance claims

Many people believe that losing a car key automatically voids insurance or that any key replacement is fully covered. In reality, coverage depends on your policy. Some policies require proof of theft or charge a deductible.

IRDAI guidelines on car insurance claim & keys

The Insurance Regulatory and Development Authority of India (IRDAI) has not fixed any rule which states that both vehicle keys are required to be submitted for getting compensation if the vehicle is stolen. Some insurance companies, however, ask for both keys while processing such claims.

Conclusion

Insurance companies usually ask for both keys in theft cases to confirm there was no negligence. To avoid confusion, always read your policy terms carefully and keep your insurer informed if you lose a key. This way, you will know exactly what is required and can make a smooth claim without unexpected issues. Always buy good car insurance online, or you can also fill out the form on this page, and our experts will help you with the plan that fits your needs.

FAQs

• Is it necessary to submit both car keys for an insurance claim?

Although not always legally required, insurers usually ask for both car keys during a theft claim to confirm there was no negligence or fraud.

• What happens if I have only one key during a claim?

Losing a key can risk claim denial. To protect yourself, file an FIR, inform your insurer immediately and get a replacement key.

• Does this key rule apply to all insurers?

No, rules vary between companies. Always check your policy or call your insurer to know if both keys are needed.

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.

Here are some answers to help understand better how cashless motor-insurance saves time and effort in our fast-paced lives:

What is cashless motor insurance?

Cashless motor insurance allows the insured access to garages where they do not have to pay upfront for the damages covered by insurance. The insurer settles the claim on the owner's behalf.

How do I avail cashless garage facility?

While buying a comprehensive car insurance policy for your new car, check if the insurer offers cashless garage facility. Used car owners too can avail this service. However, the insurer's discretion is applicable when extending this service to used cars.

What if I am unable to avail the services of a cashless garage?

There could be times when authorized network garages maybe out of reach and you have to avail the services nearest to you. In this case, you can get the damages fixed and get a service bill for the same. The insurer will then reimburse you for damages that are covered by your policy.

Do I have to contribute towards any damages or will the company pay the entire claim?

You are required to pay the deductibles as agreed to in your insurance contract. Deductible is the amount you have to pay out-of-pocket towards a claim before the insurance company pays the rest. Also called excess, this percentage is usually defined by the insurer when you purchase insurance.

However, most insurers will allow you to increase your excess to reduce your premium.

Will the insurer pay entirely for the incurred loss?

The insurer will pay for damages minus the excesses as agreed to in the contract.

The immense focus on Electric Vehicles (EVs) by the Indian government has led to EVs gaining popularity in India.

Electric Vehicles offer lower running costs. But that is not all of the benefits of electric vehicles.

In this post, we will understand the electric vehicles advantages in India. We will decipher the benefits of electric vehicles from a cost perspective. We will also figure out how they are environmentally friendly and future-proof, which might impact car insurance positively.

Benefits of EVs in India

Let us discuss the advantages of EVs in detail:

Low Cost Usage

• One of the primary advantages of electric cars in India is the significantly lower cost of usage compared to internal combustion engine (ICE) vehicles.
• As EVs have no need for petrol or diesel, you can save on fuel expenses.
• The cost of charging an EV is also lower.
• With the government’s focus on renewable energy sources like solar power, further cost reduction is possible.

Affordable Maintenance

• Electric vehicles are simpler in design. They have lesser moving parts as compared to ICE vehicles.
• Lower moving parts result in lesser maintenance costs over the EV’s lifetime.
• With fewer components subject to wear and tear, EV owners can expect

• • reduced servicing expenses, and
  • longer-lasting components

Tax and Financial Perks

• The Government of India is actively promoting the adoption of EVs. These efforts include policies like:

• • FAME-II
  • PLI Scheme
  • Battery Swapping Policy
  • Special Electric Mobility Zone
  • Tax Reduction on EVs

• This has resulted in benefits like

• • Reduced registration fees
  • Lower road taxes on EV purchases

SUVs have surged in popularity in the Indian market as an appealing substitute for hatchbacks, sedans, and MPVs. They are renowned for their features that provide added comfort and convenience. SUVs come priced at a higher range compared to other cars. The price tag is one good reason to invest in a comprehensive car insurance policy while purchasing your vehicle. From potential thefts to unfortunate repairs, it keeps you financially secure.

Catalogue of Upcoming SUVs in India

• Mercedes-Benz EQA
• Tata Harrier
• Volkswagen Tiguan Allspace
• Maruti Jimny
• KIA Seltos
• Jeep Grand Cherokee
• Mahindra Bolero Neo Plus
• Skoda Enyaq iV
• Hyundai Kona Electric
• Hyundai ALCAZAR

Mercedes-Benz EQA | Expected Launch Date: March 2023

• Mercedes-Benz has unveiled this upcoming SUV in India 2023, its latest addition to its electric SUV line-up.
• The launch in India is anticipated with an estimated price of around Rs 60 lakh.
• The EQA has a 66.5kWh battery pack and delivers a range of 426 km.
• The vehicle allows up to 80% charge in 30 minutes.
• Features include LED headlamps and a dual-screen setup with up to 10.25-inch display.
• Safety provisions typically include Active Distance Assist, Active Steer Assist, Evasive Steering Assist, and Active Blindspot Monitoring.

Tata Harrier | Expected Launch Date: March 2023

• This is one of the upcoming SUV cars in India 2023, with a uniform price increase of Rs 20,000 across its range.
• This midsize SUV by Tata is available at Rs 15.20 lakh to Rs 24.27 lakh.
• The vehicle accommodates five passengers and gets powered by a 2-litre diesel engine.
• The fuel efficiency ratings stand at 16.35 kmpl for Diesel MT and 14.6 kmpl for Diesel AT.
• Feature highlights include a panoramic sunroof and rain-sensing wipers.
• Safety features comprise up to six airbags and blind spot detection.

Volkswagen Tiguan Allspace | Expected Launch Date: April 2023

• This is one of the upcoming SUV cars in India introduced in the Indian market featuring a BS6 phase II compliant engine.
• The price for the model currently stands at Rs 34.69 lakh.
• With a seating capacity for up to five passengers, the SUV is powered by a 2-litre turbo-petrol engine.
• Notable features of the Tiguan include a panoramic sunroof and a power-adjustable driver’s seat.
• Safety measures include six airbags and park assist.

Maruti Jimny | Expected Launch Date: May 2023

• Suzuki is set to launch one of the best models of upcoming SUVs in India as an off-road lifestyle vehicle.
• It is available in two main variants: Zeta and Alpha. It comes in dual-tone and monotone colours.
• With a seating capacity for four passengers, the Jimny boasts a ground clearance of 210mm and offers a 208-litre boot space. The boot space is typically expandable to 332 litres when you manually fold the rear seats.
• Feature-wise, the Jimny boasts cruise control and automatic climate control.
• Safety measures include six airbags and a rearview camera.

KIA Seltos | Expected Launch Date: May 2023

• As one of the most anticipated upcoming SUVs in India 2023, Kia Seltos ranges from Rs 10.89 lakh to Rs 19.99 lakh.
• The 2023 Seltos offers a 5-seater layout and a choice of three engines. This includes a 1.5-litre petrol, a 1.5-litre diesel, and a 1.5-litre turbo-petrol engine. These engines get paired with manual, CVT, iMT, or automatic transmissions.
• The Seltos has various colour options and boasts climate control and a panoramic sunroof.
• Advanced safety features include six airbags and adaptive cruise control.

Jeep Grand Cherokee | Expected Launch Date: May 2023

• The Jeep Grand Cherokee is one of the upcoming SUV cars in India 2023, available for Rs 78.50 lakh across India.
• The vehicle is offered in a single fully equipped Limited (O) model.
• With a seating capacity of five individuals, this fifth-generation model boasts a ground clearance of 215mm.
• A 2-litre turbo-petrol engine is powering the vehicle, coupled with an eight-speed automatic transmission.
• The fifth-gen Grand Cherokee includes a nine-speaker sound system, heads-up display, and wireless phone charging.
• Safety measures typically include eight airbags, electronic stability, and adaptive cruise control.

Mahindra Bolero Neo Plus | Expected Launch Date: May 2023

• As one of the most anticipated upcoming SUV cars in India, this model might start at around Rs 10 lakh.
• The main variants include P4, P10, and P10 (R). It will be available in both seven and nine-seater configurations.
• The vehicle will have a 120 PS, 2.2-litre diesel engine and a potential 6-speed manual transmission.
• Notable features encompass cruise control and an adjustable driver’s seat.
• Safety features likely consist of dual front airbags and rear parking sensors.

Engines have long been the heart and soul of automobiles, propelling vehicles forward with their power and efficiency. In recent years, a remarkable advancement in engine technology has taken centre stage – the turbo engine. So, what is turbo engine in cars? We will look into the details so that you get a clear answer.

With its ability to deliver impressive performance and improved fuel efficiency, the turbo engine has become a driving force behind modern car designs. But what exactly does a turbo engine mean, or what is turbo in a car, and how does it work? Let’s find out.

What is a turbo engine in a car?

A turbo engine, also called a turbocharged engine, is a type of internal combustion engine found in cars. It utilises a turbine-driven forced induction system to increase the engine’s power and efficiency. The system works by forcing more air into the engine's cylinders, allowing it to burn more fuel and produce more power. This offers improved fuel economy and performance than a naturally aspirated engine.

How does a turbo engine work?

Now that you know what is turbocharger in cars, let’s understand its mechanics. To understand the mechanism of a turbo engine in a better way, go over the following pointers.

• A turbo engine consists of a compressor wheel and a turbine wheel connected by a shaft. These components are seen within a snail-shaped housing with an exhaust and inlet ports.
• The inlet port allows the exhaust gases produced by the engine to enter the turbocharger at high pressure and spin the turbine wheel. The turbine wheel, in turn, rotates the compressor wheel, which draws in a large amount of air from the outside.
• The compressor wheel compresses the air, which then expels it through the outlet port. Next, the compressed air flows into the cylinders through a pipe, where it combines with the fuel, resulting in a more potent explosion within the combustion chamber.
• The best thing about a turbocharger is that it does not require additional engine power to run. Instead, it uses the engine’s exhaust gases that would otherwise go to waste. This way, it improves the performance and efficiency of the engine without increasing fuel consumption.
• Since the turbocharger works at incredibly high pressure and generates high temperatures, it is usually accompanied by an intercooler. The intercooler functions as a device to cool the compressed air before it reaches the cylinders. This crucial step helps prevent engine overheating and minimises the potential for engine knocking.

Advantages and disadvantages of a turbo engine

Turbo engines have their own set of pros and cons. Let’s look at them in the following table.

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 car insurance 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.

Types of spenders and new car budgeting advice

• Your approach to budgeting will also depend on the type of spender you are. Let us explore three common types:
• The practical buyer: If you are financially conservative and prefer low-risk options, choose a reliable and fuel-efficient car that fits within 40–50% of your annual income. Look for long-term value, low maintenance and affordable comprehensive car insurance.
• The aspirational buyer: If you dream of owning a premium car but do not want to strain your finances, consider purchasing a second-hand luxury car or using a larger down payment to reduce EMIs. Always factor in the higher insurance premiums that come with such vehicles.
• The impulsive buyer: If you tend to splurge, it is important to set strict financial boundaries. Avoid high EMIs that could affect your lifestyle or savings. Consider pre-owned options and research extensively before buying. Ask for a detailed quote on car insurance beforehand, which will help prevent surprise costs later.

How to calculate the budget for your car?   

When wondering “how to know if I can afford a car”, you must learn the 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 topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

In recent years, there has been a significant increase in the popularity of luxury cars among people in India. This is mainly because the country's economy has been multiplying, and many people now want to showcase their wealth and status by owning extravagant vehicles.

As more and more people become wealthy, they are looking for high-end cars that are not only elegant but also offer top-notch performance and the latest technology. You can find many luxury cars, including posh sedans, powerful SUVs, and stylish sports cars. Let's look at the list of top luxury cars in India.

List of Best Luxury Cars in India 2023

1. Mercedes-Benz S-Class

The Mercedes-Benz S-Class is one of the world's most luxurious and advanced sedans. It offers a blend of comfort, performance, safety, and technology unmatched by any other car. The Mercedes-Benz S-Class is currently available in three variants: the S350d, S400d 4Matic, and the S450 4Matic (Petrol). It is available in five colours– Designo Diamond White Bright, Onyx Black, Nautic Blue, High Tech Silver, and Graphite Grey.

Other features:

The S350d has a 3.0-litre diesel engine that produces 281.61bhp@3400-4600bhp of power and 600Nm@1200-3200rpm of torque.
In terms of entertainment, it has a 12.8-inch MBUX touchscreen infotainment system with Android Auto and Apple CarPlay, a Burmester 4D sound system.
Its safety features include ten airbags, active parking assist, a 360-degree camera, pedestrian protection, and lane-keep assist.

2. Land Rover Range Rover

The Land Rover Range Rover gets classified as a premium SUV. Among the best luxury cars in India, this vehicle gets noted for its luxury, off-road capability, and advanced technology. The Land Rover Range Rover is available in 50 variants, with engine options ranging from 2996 cc to 4395 cc and a choice of 1 transmission: Automatic. It comes in four broad trims: SE, HSE, Autobiography, and First Edition. It also has two wheelbases and three seating options on offer. Some noteworthy features of this car are:

It has a 13.1-inch curved MBUX touchscreen infotainment system along with Android Auto & Apple CarPlay and a Burmester 4D sound system.
It also features four-zone climate control, 64-colour ambient lighting, two wireless phone chargers, rear-seat entertainment screens, a massage function, air suspension, and a panoramic sunroof.
Its safety features include six airbags, active parking assist, a 360-degree camera, pedestrian protection, lane-keep assist, and a tyre pressure monitoring system.

3. BMW X7

The BMW X7 is the ultimate SUV for those who want to experience the best of both worlds: luxury and adventure. It is a car that can take you anywhere with style and confidence. It is available in two variants: the xDrive40i M Sport and the xDrive40d M Sport. The xDrive40i M Sport gets powered by a 3.0-litre six-cylinder petrol engine with 48V mild-hybrid technology that produces 375.48bhp@5200-6250 of power and 520Nm@1850-5000rpm of torque. The xDrive40d M Sport gets powered by a 3.0-litre six-cylinder diesel engine that produces 335.25bhp@4400rpm of power and a torque of 700Nm@1750-2250rpm. Both engines come equipped with an 8-speed automatic transmission and feature BMW's xDrive all-wheel drive system.

Other features include the following:

It has a 14.9-inch curved MBUX touchscreen infotainment system and a 16-speaker Harman Kardon surround sound system.
BMW X7 is available in four colours: Alpine White, Black Sapphire Metallic, Phytonic Blue Metallic, and Mineral White Metallic.
It also has an instrument cluster of 12.3-inch digital, iDrive Controller, widescreen curved display, hands-free tailgate, 5-zone remote climate control, and many more.

4. Toyota Vellfire

The Toyota Vellfire is a premium MPV. It has two variants, namely Hi and VIP Executive Lounge. It has a 2.5-litre petrol-hybrid engine that produces 115.32bhp@4700rpm of power and a torque of 198Nm@2800-4000rpm. The engine has a CVT gearbox and an e-Four all-wheel drive system. Other features of this car are:

a 13.9-inch monitor for rear entertainment and a 15-speaker JBL sound system.
14-colour ambient lighting, a dual-panel sunroof, a heads-up display, and power-operated sliding doors.
The Toyota Vellfire safety features include seven airbags, ABS with EBD and brake assist, vehicle stability control, blind spot monitor, and more.