The Renault Kwid is a top choice among budget hatchbacks in India. It is loved for its compact size, fuel efficiency and low ownership cost. However, regular maintenance is key to its smooth functioning. You need to have a clear understanding of service timelines, part costs, factors that affect upkeep and how it all ties into your car insurance. Whether you are a first-time owner or due for a service, this blog will help you stay prepared and avoid surprise expenses.

Why Renault Kwid maintenance & service is important

Here is why staying on top of your service schedule matters:

• Keeps your engine healthy: Regular oil changes and filter replacements ensure your engine runs smoothly. Ignoring them can lead to reduced performance, overheating or costly damage over time.
• Improves mileage: Clean filters, inflated tyres and a well-tuned engine help your Kwid deliver better fuel efficiency. Skipping maintenance can cause your mileage to drop noticeably.
• Avoids unexpected breakdowns: Timely service helps spot minor issues like a weak battery or worn-out brakes before they become serious.
• Protects warranty coverage: Following the recommended service schedule is often required to keep your coverage valid if your Kwid is still under warranty.
• Helps resale value: A well-maintained car with a complete service record usually gets a better price when you sell or exchange it.
• Supports insurance claims: Regular service records can be useful during insurance claims, especially in cases where mechanical condition matters. Insurers might also expect proof of timely maintenance for ongoing policy benefits.

Renault Kwid service schedule

Now, let us take a quick look at Renault Kwid’s service plan for the first five years:

• 1st Service (10,000 km / 12 months): Free; includes oil and filter change – ₹916–₹917
• 2nd Service (20,000 km / 24 months): Free; adds air filter – ₹1,116–₹1,117
• 3rd Service (30,000 km / 36 months): Free; includes oil change and routine checks – ₹1,416–₹1,417
• 4th Service (40,000 km / 48 months): Paid; includes oil, air/fuel filters, spark plug, labour – ₹3,788–₹3,789
• 5th Service (50,000 km / 60 months): Paid; includes oil, AC filter, service charges – ₹3,388–₹3,389

Total estimated cost over 5 years: ₹10,626

Renault Kwid service part cost

We know that you would also love to know about the typical part costs during regular Kwid maintenance:

• Engine oil (5L): ₹797
• Oil filter: ₹120
• Air filter: ₹200 (usually from 20,000 km)
• Fuel filter: ₹300 (around 40,000 km)
• Spark plug: ₹400 (typically at 40,000 km)
• AC filter: ₹300 (commonly at 20,000 and 50,000 km)
• Labour and service charges: ₹1,972 (applied during paid visits)

Renault Kwid maintenance cost

Maintaining a Renault Kwid over five years costs around ₹10,626 in total. Here is a breakdown for you to understand better:

• 1st Service (10,000 km): Free labour, approximately ₹917
• 2nd Service (20,000 km): Free, around ₹1,117
• 3rd Service (30,000 km): Free, approx. ₹1,417
• 4th Service (40,000 km): Paid, about ₹3,789
• 5th Service (50,000 km): Paid, around ₹3,389

Things to check while looking for Renault Kwid maintenance cost

Here are a few smart tips too, to help you manage your Renault Kwid service price:

• Ask for a full estimate before any work begins. Know the parts, labour and extra charges upfront.
• Follow the recommended service schedule to avoid unnecessary part replacements and added costs.
• Compare prices between authorised centres and trusted local garages. Authorised ones may cost more but offer peace of mind.
• Know what is included in a paid service-engine oil, oil filter, air/fuel/AC filters, spark plugs around 40,000 km and labour around ₹1,972. Some centres may also suggest coolant or brake fluid replacement.
• Avoid optional add-ons unless needed, like AC cleaning or coolant flushes.
• Always check for genuine parts to ensure better performance and protect your warranty.
• Keep your service bills; they help with resale and can support insurance claims.
• Look out for extra consumables like brake fluid, coolant or alignment work that could add ₹1,000-₹5,000. Approve only when necessary.

Factors affecting Renault Kwid maintenance cost

Renault Kwid’s maintenance cost can vary based on a few everyday factors. You need to watch out for:

• Location and service centre type: Labour rates are higher at authorised centres and in big cities. Smaller towns or local garages may be more affordable.
• Timely servicing: Skipping or delaying services can lead to faster wear, making future repairs more expensive.
• Genuine vs aftermarket parts: Original Renault parts cost more but last longer and protect your warranty. Aftermarket ones may save money upfront, but often wear out faster.
• Add-on services: Some centres suggest extras like AC cleaning or coolant flush. Only approve what is necessary to avoid extra charges.
• Driving style and conditions: Frequent traffic, long drives or rough roads put more stress on parts like brakes, tyres and the clutch. This will lead to more frequent repairs.
• Car age and kilometres driven: Older cars or those with high mileage, like 75,000 km and above, need more frequent replacements of key components.
• Parts sourcing: Renault’s locally made components help control spare part costs compared to imported ones.
• Labour vs part costs: Labour charges at authorised service centres can significantly push up your final bill, even if parts are affordable.

Conclusion

Maintaining your Renault Kwid does not have to be expensive or stressful. With a total 5-year cost of around ₹10,600, it is one of the more budget-friendly cars in its segment. Sticking to the service schedule, asking for a clear cost breakdown and avoiding unnecessary add-ons can go a long way in keeping costs low. Plus, regular authorised servicing also supports your car insurance, whether it is third party car insurance or comprehensive car insurance. You just have to keep your records in check. So, stay on top of your maintenance and enjoy a hassle-free ownership experience.

FAQs

• What is the average Kwid service cost per year?

The average Renault Kwid service cost per year is around ₹2,000-₹2,500. The exact cost can depend on your location, driving habits and whether the service is free or paid.

• How much is the total Kwid maintenance cost over 5 years?

The maintenance cost of Renault Kwid over five years is approximately ₹10,626. It includes both free and paid services as per the recommended Kwid service schedule.

• Is Kwid car maintenance cost higher after 50,000 km?

Yes, the Kwid car maintenance cost may go up slightly after 50,000 km due to the need for additional part replacements, such as spark plugs, filters and brake components.

• How often should I check the Kwid car service cost?

You should review your service cost of Renault Kwid before every scheduled service, especially for paid visits after 30,000 km. This will help avoid unnecessary charges or upsells.

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.

A Multi-Purpose Vehicle (MPV) like the Toyota Innova Crysta brings exceptional space, comfort and reliability. However, proper maintenance ensures this comfort continues to run smoothly for years.

Regular servicing protects your investment and prevents costly breakdowns on long family trips. Understanding Innova Crysta maintenance costs will help you budget better and make informed decisions about your vehicle's care. This comprehensive guide explains service schedules, fees and maintenance tips for the latest Toyota Innova Crysta.

Why Innova Crysta maintenance & service is important

MPVs face unique challenges on Indian roads. The Crysta's larger engine and heavier build work harder in stop-and-go city traffic. Carrying seven passengers and luggage puts extra strain on the suspension and braking system.

However, with regular maintenance, you can prevent small problems from developing into expensive repairs. While proper servicing will maintain fuel efficiency in your Crysta, clean air filters and fresh engine oil will enable the 2.4L and 2.8L diesel engines to run as smoothly as butter.

Following the manufacturer-recommended Crysta service schedule will also keep your warranty coverage intact and improve the car’s resale value when you decide to upgrade.

Innova Crysta service schedule

Toyota recommends specific service intervals for its Crysta. The official Innova Crysta service schedule with approximate costs of up to 10 years or 100,000 km is as follows:

Parts and fluids replaced during scheduled service:

• Engine oil: Every 10,000 km
• Engine oil filter: Every 10,000 km
• Drain gasket plug: Every 10,000 km
• Air filter: Every 30,000 km
• Cabin AC filter: Every 20,000 km
• Brake fluid and coolant: Every 40,000 km or 4 years
• Windshield washer fluid: Every service

Note that even though the Innova Crysta service cost for the first two schedules is free, they do not cover consumables, part replacement or any damage repair caused by unforeseen incidents.

Innova Crysta service part cost

Understanding individual part costs will help you plan your annual maintenance budget. All prices listed here are for original Toyota parts used in diesel variants.

Here’s the 2025 breakdown:

1. Engine oil: ₹4,425 (approx.)
2. Engine oil filter: ₹475 (approx.)
3. Air filter: ₹1,883 (approx.)
4. Cabin AC filter: ₹2,003 (approx.)
5. Brake fluid (250ml): ₹362 (approx.)
6. Differential oil: ₹1,344 (approx.)
7. Drain plug gasket: ₹62 (approx.)
8. Windshield washer fluid: ₹150 (approx.)

The costs are approximate and may vary depending on your city, the service centre’s labour charge and the time of service, such as festivals.

Innova Crysta maintenance cost

The maintenance cost of Innova Crysta will depend on your driving style, where you drive, frequency and how well you follow the service schedule.

Here’s the total cost of maintenance you can expect over ten years:

• 3-year ownership (30,000 km): ₹26,628
• 5-year ownership (50,000 km): ₹48,601
• 7-year ownership (70,000 km): ₹70,118
• 10-year ownership (100,000 km): ₹1,04,791

The Toyota Innova Crysta service cost and maintenance are reasonable, considering the vehicle's size and capabilities.

This cost can increase if you install brand accessories, imported fittings, such as a 360-degree rearview camera or extended warranty checks.

Things to check while looking for Innova Crysta maintenance cost

When calculating the service cost of Innova Crysta, consider these factors:

• Verify that the service centre is Toyota-authorised
• Confirm all prices are inclusive of GST and labour charges
• Check if they use genuine Toyota parts only
• Ask for a detailed cost breakdown before the service
• Compare prices between different authorised dealers
• Find out about annual service packages or seasonal discounts
• Understand what each paid service includes
• Check warranty terms on the replaced parts
• Ask about the estimated service completion time
• Find out if the service centre offers free pick-up/drop-off

Keep all service invoices safe for faster insurance claim settlement and better resale prices.

Factors affecting Innova Crysta maintenance cost

The service cost of Toyota Innova Crysta is influenced by several factors, such as:

• Fuel variant: The diesel model, which is more popular, usually costs more to maintain.
• Service centre: Authorised centres charge more but use genuine parts and trained technicians.
• Geographical location: Metro cities have higher labour costs in contrast to towns.
• Driving conditions: Highway driving is gentler than city drives but may require more frequent air filter changes due to dust.
• Traffic: Heavy traffic that involves frequent stops increases brake wear and engine stress.
• Driving style: Aggressive driving leads to more repairs due to scratching, while heavy loading may strain the engine and suspension.
• Weather: Coastal areas may need more frequent services due to salt air corrosion.

Conclusion

When properly maintained, the Toyota Innova Crysta offers excellent value. However, regular servicing alone can’t protect you from unexpected events like accidents, fire or theft. That’s where car insurance becomes essential.

While third-party car insurance is legally mandatory, it only covers damage to others. For complete peace of mind, it’s wise to opt for comprehensive car insurance, which covers own-damage, theft, fire and more. It adds a financial safety net to your maintenance plan, ensuring you're protected on every drive.

FAQs

1. Can I skip services to save money?

Skipping car services might seem like a money-saver, but it can nullify your warranty and lead to expensive repairs in the future. Routine maintenance helps catch issues early, when they’re easier to fix, ultimately saving you more in the long run.

2. What happens if I opt for service at non-Toyota centres?

Non-authorised centres may use non-genuine parts, voiding your warranty. This can also affect insurance claims and resale value.

3. Can I use cheaper parts?

You can, but it may reduce engine life and affect insurance coverage.

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.

The airbag system is one of the topmost safety features in a car. When the airbag warning light glows on your dashboard, it can bring a surge of concern. Recognising this early warning sign and knowing what to do next can help you prevent costly repairs and, more importantly, save your life during a collision.

Read this blog to learn everything about airbag lights in cars, including the reasons for their appearance and ways to reset them.

What are airbag warning lights in car?

Right after you start your car, you may notice a series of lights appear on your dashboard. These are part of your car's self-check system. The airbag warning lamp is one of these indicators.

These lights automatically turn off in a few seconds if the system doesn't detect any issue. If the warning lamp stays on or flashes, it means the airbags may not deploy correctly in an accident, placing you and your passengers at high risk.

What does the airbag warning light look like?

In almost all cars, the airbag car symbol appears as a seated person with a large circle in front of their chest. The circle signifies an inflated airbag. You'll find this symbol on your dashboard, usually in red or golden-orange colour.

Different car manufacturers might use slightly different versions of the airbag sign on cars. Some brands show just the person and airbag, while others might display an additional text like "SRS" (Supplemental Restraint System) or "AIRBAG".

Why is my airbag warning light on?

Several factors can trigger the air bag lights. It can be a sign of:

• Sensor problem

Your car has multiple sensors that detect crashes and determine when to deploy airbags. If these sensors malfunction or get damaged due to water, electrical or mechanical failure, the airbag warning lights activate.

• Wiring damage under the seats

The airbag system relies on complex wiring to connect all components. Loose connections, moisture-damaged wires or corrosion can disrupt communication between the parts.

• Damaged airbag module

The airbag control module manages the entire airbag system and makes deployment decisions. If the module fails, the air bag lights will activate to warn you about the system's compromised state.

• Minor collision

A recent accident can also trigger the warning sign. Even a minor collision or bump might damage sensors or other components, even if the airbags don't deploy.

• Unstable battery voltage

Low voltage or electrical problems can confuse the airbag system's sensors.

What should you do when the airbag light comes on?

When you notice the airbag light in car, do not ignore it. Avoid driving unless absolutely necessary.

If someone's sitting without buckling up, or the seat is loaded with a bag, the system may trigger a warning. In some cars, the airbag warning light comes on momentarily during startup and goes off after a few seconds. If it stays on, turn off the engine, wait for a few seconds and restart. Look for any other warning lights on the dashboard, such as the battery sign or ABS alert. These could be linked to the airbag system.

The complex airbag system usually needs an OBD-II (On-Board Diagnostics) scanner to read error codes. Contact a certified technician who's trained to diagnose the root cause accurately. Skipping this may lead to incorrect repairs and even car insurance claim rejection.

How to reset an airbag light?

You should only reset the airbag warning light after the issue has been diagnosed and fixed. Clearing the light without fixing the problem can disable airbag deployment and pose a safety risk. Here's how to do it:

• Ensure repairs are done

Fix the root cause, like replacing a faulty sensor, repairing wiring or resolving control module issues, before attempting any reset.

• Disconnect the battery (Temporary fix only)

Turn off the ignition and disconnect the negative battery terminal. Leave it disconnected for approximately 15 minutes. This may temporarily clear soft error codes in older cars, but won’t fix hard faults stored in newer SRS modules.

• Cycle the ignition (soft reset)

Reconnect the battery. Turn the key to “ON” (without starting) and wait for the light to go off. Turn it off, then repeat up to three times. This method works only for minor system glitches.

• Use a proper OBD-II scanner with SRS support
• Locate the OBD-II port under the dashboard.
• Use a scanner that supports airbag/SRS diagnostics to read B-series codes.
• Clear the codes only after the underlying fault has been fixed.
• Basic OBD-II tools cannot reliably access SRS systems. Use a mid-to-high-end scanner or professional-grade tool.
• Test drive for verification

After clearing codes, drive for 5-10 minutes. If the light stays off, the reset was successful. If it returns, you still have an unresolved airbag system issue.

Conclusion

The airbag warning light signals a possible problem with your vehicle's airbag system, which is your car's first defence line in the event of a crash.

However, repairing or replacing airbag parts can be expensive. Here's where the right policy can help you save money. A comprehensive policy, especially with add-ons like zero depreciation, helps cover airbag repair costs due to accidental damage, fire, theft and natural calamities, while third party car insurance meets legal requirements and covers liabilities. Timely airbag system maintenance and the right plan, together, will protect you physically, financially and legally.

FAQs

• Does car insurance cover airbag repairs?

Comprehensive car insurance usually covers airbag repairs after an accident, but not for ignored maintenance issues. Check your insurance policy terms for further information.

• How do I know if my car was part of the Takata recall?

If your car is over 10 years old, refer to its service manual, contact authorised service centres or check the manufacturer's website. If your car's make and model are listed, the airbag replacement is free.

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.

Your car's paint faces harsh treatments from dust, pollution, weather conditions and UV rays daily. So, it's important to use the right product to maintain its glossy appearance. Here's where two products come in use: car wax and car polish. Although car experts use these terms interchangeably, they are quite different in function and purpose.

If you are wondering whether you should wax or polish your car or both, this guide's detailed comparison between car polish vs car wax will help you make that decision.

What is car wax?

Car wax serves as a protective layer applied to a car's painted surface. It is usually made from natural waxes like carnauba or synthetic polymers.

Regularly waxing your car offers several key benefits. It forms a protective layer that prevents bird droppings, tree sap and other contaminants from bonding to the paint, reducing the risk of stains and damage. Wax also adds a glossy, new-car-like shine and allows rain or wash water to roll off easily, helping prevent mineral deposits, water marks and rust.

What is car polish?

Car polish contains mild abrasives that remove minor scratches, swirl marks, oxidation and other surface defects.

It targets paint imperfections that waxing can't fix, and eliminates oxidation from sun and moisture exposure, restoring the paint's original vibrancy. Polishing also clears stubborn water spots and mineral deposits that regular washing can't remove.

Types of car wax

There are a few popular types of car wax you can choose based on how you prefer to apply and how long you want the protection to last:

1. Carnauba wax (natural): It is derived from Brazilian palm trees and provides excellent depth and warmth to paint finishes.
2. Synthetic wax: Uses artificial polymers and offers superior durability and longevity.
3. Liquid wax: Applies easily and spreads evenly across various paint surfaces.
4. Paste wax: They are thicker in consistency, last longer than liquid alternatives, offer better durability, but take more time to apply.
5. Spray wax: Best used for quick application, touch-ups and regular maintenance.

Types of car polish

These different polish types address various paint correction needs and skill levels:

1. Cutting polish (abrasive): This powerful polish contains aggressive abrasives for removing deep scratches and heavy oxidation.
2. Finishing polish (non-abrasive): Works well on minor scratches, providing gentle correction.
3. All-in-one car polish: Contains both abrasive and non-abrasive properties and can be applied on a wide range of paint surfaces.
4. Spray-on car polish: Comes in spray bottles, can be easily applied and dries quickly, making it a perfect DIY material and touch-ups in between washes.
5. Ceramic polish: Contains ceramic compound that offers water-resistance and a durable layer on the paint surface with a natural shine.

Application Methods

Here are the most common methods application methods:

1. Hand application: A soft cloth or foam applicator pad is used to apply the product manually. You must work in small sections at a time, ensuring even coverage across the surface.
2. Foam pad application: Foam pads attached to a power drill or polisher are used. This approach covers larger areas faster and gives consistent results than hand application.
3. Spray application: Spray bottles are used for application. They work particularly well for quick touch-ups and maintenance between major detailing sessions.
4. Machine application: A buffer or polisher is used for even application. It is the most efficient method that offers consistent results on large surfaces. However, you must hire a professional detailer to perform the job.

Limitations of using car wax and car polish

Both car polish and wax have limitations, so using them correctly is key. Car wax can’t fix scratches or oxidation, while polish doesn’t protect against UV rays or rain. Over-polishing can damage the paint, and waxing without proper cleaning or polishing can trap dirt underneath.

Additionally, both require regular reapplication as wax protection fades over time, and polish only lasts until new surface damage occurs.

Key differences between car wax and car polish

Understanding car polish vs wax with a side-by-side comparison will help you choose the right product:

Conclusion

To sum up the debate between car polish vs car wash, polishing fixes your car's paint while waxing protects it. Using both keeps your car in better condition for longer.

While you are protecting the outside of your car, don't forget to safeguard the rest with a good insurance policy. Look for car insurance online and opt for a policy that protects against theft, vandalism and natural disasters.

FAQs

• Is waxing enough to protect my car from damage?

Waxing will protect your car from minor scrapes and cuts. However, it doesn't replace the benefits of comprehensive car insurance and related add-ons, which offer end-to-end protection, such as fire, theft, hailstorm and flood-related damages.

• Will waxing and polishing decrease my car insurance online premium cost?

No, polishing and waxing your car will not lower your premium. However, maintaining your car's condition may reduce claim-related issues and increase its resale value.

• Does car polishing come under third-party claims?

Third-party car insurance covers damages caused to other vehicles and properties. It doesn't pay for cosmetic work like polishing or waxing done on your car.

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.

The Maruti Suzuki Swift has become one of India's most popular cars, with over 30 lakh units sold since its launch. This compact car combines style, speed and fuel efficiency, making it ideal for Indian roads.

However, like any car, proper maintenance is crucial to keep your Swift moving easily and retain its value over time. Understanding the Swift's maintenance prices and plans helps you budget more effectively and ensures your car remains functional for years. This thorough guide covers everything you need to know about the Swift maintenance costs and service considerations.

Why Swift maintenance & service is important

Routine maintenance for your Swift, or any vehicle, plays a vital role in preserving performance, safety and value:

• Safety and reliability: Proper service ensures all components work properly, avoiding breakdowns and keeping you safe on the road. Regular brake checks, oil changes and filter refills maintain ideal performance.
• Resale value: A well-maintained Swift can typically command a higher selling price. Buyers prefer cars with detailed service records.
• Cost savings: Regular servicing stops small issues from becoming big problems. Spending on regular repairs is much cheaper than dealing with engine damage or component breakdowns.

Swift service schedule

Maruti Suzuki follows an organised repair plan meant to keep your Swift's performance:

Free services:

• 1st Service: 1,000 km or 1 month
• 2nd Service: 5,000 km or 6 months
• 3rd Service: 10,000 km or 12 months

Paid services:

• Every 10,000 km or 12 months thereafter

The first three services are provided at no cost, although parts and materials are charged separately. This plan ensures your vehicle receives proper care during the crucial break-in period and establishes a regular maintenance routine.

Swift service part cost

Understanding individual component prices helps you prepare for maintenance:

Engine oil & filter:

• Engine oil change: ₹1,300-₹1,687
• Oil filter replacement: ₹75-₹90

Air & fuel filters:

• Air filter replacement: ₹258-₹300
• Fuel filter check and refill as needed

Brake system:

• Brake fluid replacement: ₹350-₹500
• Brake cleaning and testing are included in major tasks

Other components:

• Spark plug replacement: ₹360
• Climate control air filter: ₹450-₹551
• Coolant top-up: ₹500

Wheel services:

• Wheel alignment: ₹550
• Wheel balancing: ₹440

Swift maintenance cost

Things to check while looking for Swift maintenance costs

When planning upkeep for your Swift, consider these factors:

• Service centre type: Authorised repair shops charge more but provide real parts and trained technicians. Independent shops may be cheaper, but they often compromise on part quality.
• Location variations: Service prices range across towns. Metro cities generally charge more than smaller places.
• Driving conditions: City driving, with its regular stop-and-go traffic, raises wear and tear, requiring more frequent upkeep compared to highway driving.
• Service package deals: Look for Annual Maintenance Contracts (AMC) or loyalty deals that offer savings on parts and work.

Factors affecting Swift maintenance cost

Several things can affect your Swift's repair expenses. Some of these are as follows:

• Driving habits: Aggressive driving, hard braking and rapid acceleration increase component wear, resulting in higher Swift service costs.
• Road conditions: Driving on bad roads affects suspension, balance and tire wear, raising service frequency.
• Part quality: Genuine parts cost more but offer better longevity and guarantee security. Aftermarket parts can be lower in price but may compromise performance and lifespan.
• Service frequency: Following the suggested plan avoids big problems. Delaying services can lead to expensive fixes.
• Usage pattern: High-mileage cars require more frequent attention than those used rarely.

Conclusion

The Maruti Swift offers one of the most affordable maintenance costs in its class, making it an excellent choice for budget-conscious buyers. While keeping your Swift is crucial, protecting it with proper car insurance is equally important.

Car insurance in India is mandatory by law, with third-party car insurance being the minimum legal requirement that covers losses to other vehicles and injuries to third parties. However, comprehensive car insurance offers significantly better protection for your Swift, covering damages to your vehicle from crashes, theft, natural disasters and crime.

FAQs

1. How often should I service my Swift?
   Every 12 months or 10,000 kilometres, whichever happens first.
2. Are the first three services free?
   Labour is free, but tools and goods are charged.
3. Can I repair my Swift at local garages?
   Yes, but it may cancel your guarantee. Authorised locations are recommended during the guarantee period.
4. What's the big service cost at 40,000 km?
   Approximately ₹6,489, including oil change, spark plug repair and brake fluid change.

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.

Bringing in features like low maintenance, reliability and affordability, the Maruti Alto is among the top choices for Indian car owners. The car is suitable for daily travelling and highway speeding, highlighting its reliable performance. However, regardless of the car model, timely maintenance is important. Often, car owners remain unaware of the service schedule or cost. This guide explains everything you should know about the Maruti Alto car service cost, schedule and other tips.

Why Maruti Alto maintenance & service is important

The Maruti Alto has often been considered a low-cost-maintenance car. But it does require regular maintenance, ignoring which can lead to expensive repairs in the long run. With regular maintenance, you are ensuring that any potential issue is diagnosed early on and you enjoy a smoother-running car for longer periods. The Alto car service charges are, therefore, an investment for better safety, performance and longevity.

Maruti Alto service schedule

The following table is the recommended maintenance schedule with Alto service charges for the first five years:

Maruti Alto service part cost

Your Maruti Alto service price depends on the price range of different parts that might require replacement. Let’s look at the estimated price of parts that are typically replaced during maintenance:

• Fuel Filter: INR 250 (approx.)
• Oil Filter: INR 95 (approx.)
• Air Filter: INR 250 (approx.)
• Spark Plug: INR 400 (approx.)
• Front Brake Pads: INR 1,200 (approx.)
• Wiper Blade Set: INR 500 (approx.)
• Coolant: INR 600 (approx.)
• Battery: INR 3,000-4,000 (approx.)
• Exhaust Pipe: INR 3,500 (approx.)
• Horn: INR 350 (approx.)

Maruti Alto maintenance cost

Here is the Maruti Alto service charges list to ensure you get a fair insight into the maintenance costs:

Thing to check while looking for Maruti Alto maintenance cost

These are important factors that could change the servicing costs for your car:

• The variant: The variants, that is, petrol or CNG, can affect the maintenance cost. This is usually because CNG models need extra attention on the gas parts.
• The transmission type: For the Maruti Alto, you might experience only the manual transmission type. Regardless, different types require varying maintenance and costs.
• Previous maintenance history: The previous maintenance history should be updated since any missed service could lead to more charges later.

Factors affecting Maruti Alto maintenance cost

The following is a list of factors that might affect the Maruti Alto maintenance costs:

• Spare parts cost: During a servicing, parts like filters and coolants require replacement. The cost of these spare parts can change the total maintenance costs.
• Labour charges: Among the full servicing costs of your car are included the labour charges, which again depend on the servicing required.
• Service centre: The overall maintenance cost can change according to the centre you are visiting. Authorised centres may offer premium services, while local garages are often not considered reliable.

Conclusion

A popular choice for budget-conscious car owners, the Maruti Alto promises affordability after the initial purchase too. With its affordable servicing costs, maintaining it is effortless. Besides timely maintenance, car insurance can also reduce your financial burdens. With comprehensive car insurance and third party car insurance, you enjoy financial protection from expenses due to accidents, third party legal suits and other unfortunate events, such as fire or theft. Ensure a comfortable and safe ride with insurance and maintenance on time.

FAQs

• Is special servicing necessary for CNG models of the Maruti Alto?

CNG models typically require special servicing, which includes leak tests and valve checks.

• How to maintain a Maruti Alto for better performance?

Any car, regardless of its model or brand, requires timely services for better performance. Besides, you should maintain smooth driving habits and regular inspections to ensure efficient driving.

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

Car theft is still one of the top vehicle crimes in India. Knowing how to check if a car is stolen before you hand over your hard-earned money for that second-hand car is very important because not doing a 'stolen car check' can land you in a muddy legal battle, which can result in a major financial drain.

This guide will walk you through how to identify if a car is stolen and help you avoid the risk of unknowingly buying a stolen vehicle.

How to check if a car is stolen?

If you are wondering how to check if a vehicle is stolen, start by verifying the registration certificate (RC). Ensure the owner’s details match the seller’s ID and that the engine and chassis numbers align with the RC.

You can also visit the local RTO for verification. Use government portals like Parivahan or eChallan to check ownership, accident history, fines or blacklisting. Contact the local police station to see if any complaints are filed against the vehicle.

Additionally, hiring a trusted mechanic can help spot tampering with the VIN, engine or chassis, which may indicate the car is stolen.

Can I run a stolen car check online?

The government of India offers several free online tools where you can check for stolen vehicles. Here are a few official sites:

• Pariwahan Sewa Portal

Parivahan Sewa is the Ministry of Transport and Highways' (MoRTH) official site that automates and regulates all vehicle registration and driving licence activities. Here's how to use the platform:

1. Visit the official site.
2. Go to "Information Services," and then click "Know Your Vehicle Details."
3. Enter your vehicle registration number or your phone number, whichever is applicable.
4. Click "Vehicle Details."
5. The portal will display everything related to the car's registration, car insurance online status and the last ownership.

• Use the eChallan website

eChallan Parivahan is a digital traffic enforcement solution initiated by MoRTH. It issues and manages traffic violation challans (fines). To check for stolen vehicles on this platform:

1. Click on "Get Challan Details" at the bottom left of the main page.
2. Enter the vehicle registration number to see if there are any unpaid fines.

Stolen vehicles often have multiple unresolved penalties.

• ZIPNET

ZIPNET (Zonal Integrated Police Network) is an online service that allows you to check the status of stolen vehicles in eight North Indian states.

1. Visit the portal.
2. Click on "Stolen Vehicles."
3. Enter vehicle registration, engine or chassis number.
4. Click "Search."
5. If a car is listed, you can view the complainant's name, vehicle make, model and colour, stolen location and date.

What's included in a stolen car check?

When performing a vehicle history check, review key details in the report, including ownership history, registration certificate, accident and service records and any theft or no-trace reports.

Also check for third-party car insurance coverage, outstanding loans or hypothecation, RTO blacklisting status and any pending challans. These factors help ensure the vehicle’s legal and financial standing before purchase.

How to avoid purchasing a stolen vehicle?

To check for stolen vehicle, always ask the seller for original documents like the registration certificate, insurance, pollution certificate and service records. Carefully inspect the chassis and engine numbers for tampering, and be cautious of prices significantly below market value. Meet the seller at their home or workplace, not just public places and verify the vehicle’s status through RTO, police and online checks.

Confirm the seller’s ID and address, insist on a detailed sale agreement and avoid cash payments by using digital methods or cheques for better traceability.

I've found out my car was stolen – what should I do?

Discovering that the car you bought is stolen can be extremely frustrating and scary, but quick action will help protect your interests. Here's what you should do:

1. Stop using the vehicle immediately.
2. Contact your local police station to file a complaint. Submit all necessary documents.
3. Inform your insurance company and the RTO about the situation without delay.

How to report a stolen car?

Quick reporting will increase your chances of recovering your car and help other buyers avoid purchasing your stolen vehicle. Here's how to report an incident:

1. Start by filing an FIR at a local police station.
2. Submit copies of vehicle registration certificate, driving licence, insurance papers and any other relevant documents.
3. Provide detailed information about your vehicle, such as make and model, colour and any distinctive features.
4. Mention the time and location where you last saw the car.
5. Contact your insurance company within 24 hours.
6. Inform the RTO.

Conclusion

Now that you have all the answers to the question "how can I check if a car is stolen," use the knowledge wisely when you decide to purchase a used car in the future.

Also, even after all the checks, things can still go wrong. That's why having the right kind of protection matters. Opting for a comprehensive policy is a good option. It offers broader protection against theft, fire and natural disasters. You can easily compare and buy car insurance online in just a few clicks.

FAQs

• Is it legal to buy a stolen-and-found car in India?

Yes, you can buy a stolen-and-found car in India as long as the paperwork is correct and valid.

• Will the police take the car if it's found to be stolen after I buy it?

Yes, the police will seize the vehicle once they detect the theft and notify the original owner.

• Can I claim my comprehensive car insurance if I unknowingly bought a stolen car?

Comprehensive car insurance usually covers theft of your own car, that is, if it's stolen from you after you legally purchased it and got it registered in your name.

However, if the car was already stolen property when you bought it, the legal ownership was never transferred to you, so the insurer may not honour the claim.

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.

Automatic transmissions have changed everyday driving for the better. They make long journeys comfortable, reduce fatigue in traffic and are easier to handle. Understanding how automatic transmissions work and why they matter can help you make more informed decisions behind the wheel. So, let’s dive in and explore what drives modern cars forward.

What is automatic transmission in a car?

An automatic car transmission is a self-shifting system that changes gears without the need for manual clutch operation. It uses a torque converter to connect the engine to the gearbox, transferring power smoothly and multiplying torque at low speeds for better acceleration.

Working with a planetary gear set, the system adjusts gear ratios based on speed and load. Sensors monitor driving conditions and send data to the Electronic Control Unit (ECU), which automatically manages gear shifts for optimal performance.

Importance of automatic transmissions

Automatic transmissions also provide several practical benefits. They include:

• Better safety: Automatic transmission system consistently selects the optimal gear ratio, improves control and reduces the chance of stalling.
• Smoother drive: Shifts are generally seamless and smooth, especially in modern torque converters and CVTs.
• Fuel efficiency: Some automatic transmissions like CVTs and AMTs are designed to improve fuel economy by optimising gear ratios.
• Less wear on the engine: Automatics reduce engine strain and improve its longevity by managing power delivery efficiently.

Components of automatic transmissions

An automatic car transmission is a complex system made up of several essential parts. They include:

1. Torque converter: This fluid coupling transfers and multiplies torque from the engine to the transmission.
2. Oil pump: This circulates transmission fluid to lubricate and cool internal parts like the torque converter and clutch packs.
3. Planetary gear set: These create multiple gear ratios for smooth acceleration and deceleration.
4. Clutch packs: They engage or disengage various parts of the gearset using friction discs. Hydraulic pressure holds them together during gear shifts.
5. Output shaft: The shaft transfers rotational torque from the gearset to the drive wheels and helps the car move forward or backwards.
6. Brake bands: Brake bands apply hydraulic pressure to hold specific gears or shafts in place during gear shifts.
7. Oil pan and filter: These components store the transmission fluid and help keep it clean of debris or metal shavings.
8. Valve body: This is the control centre of the transmission. It routes hydraulic fluid through specific channels to engage the right gear based on the ECU's signals.

Tips to maintain an automatic transmission car

Good maintenance helps your automatic gearbox last longer and prevents costly repairs. Here are some tips that will help:

• Check transmission fluid regularly: The transmission fluid should be bright red and clear. It needs to be replaced if it appears dark, burnt or contains particles.
• Use the correct fluid: Always follow the instructions in your vehicle’s manual. The wrong fluid can affect performance or cause damage.
• Service the cooling system: This helps keep the transmission fluid at the right temperature and prevents overheating.
• Flush the transmission periodically: Do this especially if you drive in traffic or carry heavy loads. Flushing removes dirty fluid that can harm internal parts.
• Stop completely before shifting gears: Switching between Drive and Reverse modes while moving can wear out components faster.
• Warm up before driving: During cold weather, idling for a minute helps circulate the fluid properly.
• Avoid long-term use of a spare tyre: A mismatched tyre can throw off balance and stress the transmission.
• Replace the transmission filter if equipped: Change it during regular fluid maintenance to ensure proper flow and filtration.
• Avoid heavy towing unless rated for it: Towing too much weight can overheat and degrade the fluid quickly.
• Schedule annual inspections: A certified technician can check fluid levels, spot leaks and catch issues early.

Common automatic transmission problems and their solutions

Automatic transmissions are reliable, but issues can crop up without regular maintenance. Here are some common problems and quick fixes:

• Grinding or shaking in gear: This happens often due to worn clutch packs or internal damage. Get it inspected promptly.
• Car won’t engage in gear: Delays in shifting may point to low fluid or ECU faults. Replace the fluid. Scan the ECU if it is unresolved.
• Noisy in neutral: Whining or clunking sounds could mean worn bearings or dirty fluid. Flush and inspect.
• Smells like it is burning: This can happen if it is likely overheated or because of old fluid. Stop, check levels and replace if needed.
• Gears slipping: It is caused by clutch wear or ECU glitches. Address issues promptly to prevent safety hazards.
• Low or leaking fluid: Red puddles suggest a leak. Repair and refill to prevent major damage.
• Check engine light on: Could be sensor-triggered. Get a scan to spot issues early.

Conclusion

Understanding the various types of automatic transmissions and how to maintain them well can help you avoid expensive repairs. An important thing you should keep in mind is that serious transmission damage might not always be covered under a basic insurance plan. Comprehensive car insurance offers broader protection. However, it may not cover damage caused by poor vehicle maintenance. And with third-party car insurance, mechanical failures like these usually aren’t covered at all. So, along with regular servicing, it is smart to review your car insurance online and get add-ons that are best-suited for AMT cars.

FAQs

• What are the most popular types of automatic transmissions?

Torque converter, CVT, DCT, AMT and iMT are the most widely used types of automatic car transmissions in modern cars.

• Which kinds of automatic transmission are best for daily use?

Small automatic cars with CVT or AMT are ideal for daily driving. They are fuel-efficient and easy to handle.

• Do different auto gearbox types affect how a car drives?

Yes, auto transmission types like CVT offer smooth acceleration, while DCTs provide quicker and sportier shifts.

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.

If you see the check engine light glowing while driving your car, don’t panic and assume the worst, especially if the streets are busy. This is a common warning sign on cars and often doesn’t mean a disaster.

However, understanding what the engine indicator light is, what triggers it and how to respond to it can help you avert expensive repairs in the future. Let’s understand how to handle this common issue and run your car safely across India’s diverse road conditions.

What is engine check light in car?

The check engine light is a part of your car’s onboard diagnostics (OBD) system. Modern vehicles use an OBD system called the Engine Control Unit (ECU) to monitor the performance of your engine and its key components.

What does the check engine light look like?

Engine check warning light can appear as a yellow or orange engine-shaped icon on your dashboard, the words “Check Engine” or “Service Engine Soon” or a combination of both, depending on the vehicle.

Why is my check engine light on?

Engine lights on cars appear for several reasons. Here are the most common causes:

• Faulty oxygen sensor: This sensor checks how much oxygen is remaining in your exhaust. If the sensor fails, your car may burn more fuel and increase carbon emissions. Before the light appears, you might notice the mileage has reduced.
• Broken or loose fuel cap: Something as simple as a loose or cracked petrol cap can trigger the warning. Your car needs proper pressure in the fuel system, and a damaged or loose cap can drop this pressure.
• Malfunctioning catalytic converter: This engine component converts toxic pollutants into less harmful gases like carbon dioxide. Heavy traffic and poor fuel quality can damage the converter over time and may overheat your vehicle.
• Damaged spark plugs or ignition coils: These components, together, help you start the engine. Old and worn-out plugs may misfire and activate the light.
• Mass airflow (MAF) sensor problems: This sensor determines the amount of fuel needed in your car based on the air entering the engine (air-fuel mix). Dust and pollution, which are common on Indian roads, can damage the sensor.
• Vacuum leak: Cracked hoses or gaskets can let air enter where it shouldn’t, which impacts the engine performance.
• Defective EGR (exhaust gas recirculation) valve: It helps minimise the harmful mix of nitrogen gas in the exhaust system. If it’s stuck or not working, your car will release the gas into the atmosphere.

What should you do when the check engine light comes on?

When the car check engine light appears on your dashboard, do not panic. First check for other warning lights like oil pressure or temperature. If these are on, stop safely and contact your insurer or mechanic.

If the light is steady, you can drive but should schedule a mechanic visit soon while monitoring for unusual sounds, smells or performance issues. If the light blinks or flashes, pull over immediately and turn off the engine, as this indicates a serious problem. Call roadside assistance or tow your car to a garage.

Before visiting a mechanic, try tightening the fuel cap and see if the light clears after a few drives. You can also get an OBD-II code scan at many fuel stations or garages to identify the issue precisely.

How to reset a check engine light

Once you have fixed the root problem, the engine check warning will automatically stop flashing after a few drive cycles. If it doesn’t, here’s how you can reset it:

• Use an OBD-II scanner: Plug the scanner into your vehicle’s OBD port (usually under the dashboard near the steering wheel). Turn the ignition to ON (engine off), press ‘Read’ to get the error code, then select ‘Clear’ to reset the light.
• Disconnect the battery: Turn off the ignition. Open the car’s bonnet and disconnect the battery’s negative terminal. Wait 10 to 15 minutes and then reconnect it. This will erase the ECU’s memory but also reset all electronic systems like the clock and stereo settings.
• Release unused energy: If disconnecting the battery doesn’t work, try pressing the horn and turning on the headlights (with the battery disconnected) to drain any leftover charge.

Conclusion

The check engine light may not always mean major trouble, but you will have to rectify the problem soon to avoid bigger issues later. However, even after following the best maintenance practices, you can still face unforeseen incidents, like flooding, fire and theft. Having reliable car insurance will help you in such scenarios.

FAQs

1. Can bad petrol trigger the check engine light?

Yes, contaminated or poor-quality fuel (common in rural and unsupervised regions) can trigger the engine check warning.

1. I am on a road trip. Can I continue to drive?

If the engine indicator light is steady and the car is functioning normally, you can drive till you visit a mechanic. But if it’s flashing, stop driving immediately and call for assistance.

1. Does car insurance cover engine repairs?

Comprehensive car insurance, with useful add-ons like engine protection and zero-depreciation, may cover repairs from natural calamities and accidents, but will not pay for everyday wear. Check your policy details for more information.

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

For most of you, the car is like your second home. But when it greets you with an unpleasant smell every time you step in, it can ruin your whole driving experience.

Sometimes a car smells like musty wet clothes. Other times, it's sharp, like petrol or burning rubber. These smells can be signs of lingering issues, like problems with AC vents, engine, fluid leaks and can grow worse over time. Understanding them can help you prevent small issues from becoming expensive repairs. This blog explains where car odors come from, what they mean and how you can remove them effectively.

What are car smells?

Car smells are any persistent and unusual odours that stay inside your car despite open windows, air fresheners and cleaning. Your car contains many fluids, materials and components. When these elements break down, leak or overheat, they produce distinct odours.

Some odours are temporary, such as monsoon dampness, long travel with pets or food you just brought in. But if a smell stays more than a day or two, it is most likely due to a serious mechanical problem.

Causes of car smells

Here is a list of possible reasons why your car could be smelling:

1. Fluid leaks: Engine oil, coolant, brake fluid and transmission fluid all have unique smells when they leak or burn onto hot surfaces.
2. Overheating components: Your brakes, engine and exhaust system can overheat under certain conditions.
3. Moisture buildup: Water can seep through damaged seals, clogged drains or open windows during monsoon and become a breeding ground for mould and mildew on floor mats and seats.
4. Food spills and organic matter: Forgotten snacks, drinks or even small bugs or rodents decomposing can absorb into seats and mats, creating terrible smells.
5. Worn seals and hoses: Damaged components allow fluids to leak onto hot engine parts, creating distinct burning odours.
6. Clogged air conditioning systems: Blocked drains and dirty filters can trap moisture and debris, promoting bacterial or fungal growth.
7. Smoking inside the car: Cigarette smoke can cling to fabrics and plastics, creating a stubborn smell.
8. Rodent and rat infestation: These unwanted critters, generally attracted to warm, sheltered environments like the car's hood, can chew through wires and insulation, enter the vehicle and leave behind urine or a dead animal smell.

Types of car smells

Let's break down different car odor types, what they generally mean and how to diagnose them:

How to fix car smells

Removing smell from car is easy. Use natural odour absorbers like baking soda on seats or activated charcoal under them to reduce moisture and smells. Keep the car ventilated by opening windows or sunroofs and replace the cabin air filter. Clean AC vents with compressed air and disinfectant, and unclog AC drains.

For specific odours, get rid of cigarette smoke with a vinegar-water mix, use cleaners for food smells, enzyme-based neutralisers for pet odors and diluted hydrogen peroxide for mildew. Address burning smells immediately by checking oil and brakes, as these require urgent expert attention.

These fixes do not address the root cause. Therefore, your focus must be removing odor from car at the source, either by thorough cleaning or with professional help.

Conclusion

Bad car odour often starts small but can get worse with time if ignored or masked. By following the best practices, you can maximise your car's health.

While you're focused on fixing the odour problem, it's equally important to consider investing in the right car insurance. A comprehensive policy offers broader protection, covering expenses related to accidents, theft, fire, natural disasters, third-party liabilities and even irreparable damage.

FAQs

• How often should I clean my car to prevent smells?

Vacuum weekly. Wash mats and sun-dry once every two weeks or after long trips. Clean food spills and organic stains immediately. Clean vents and change filters every 6-8 months.

• How can I tell if the smell is coming from inside or outside the car?

If the smell persists when the windows are closed and the AC is off, it’s likely coming from inside. If it fades while driving or changes with outside conditions, it could be external (like road pollution or nearby vehicles).

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.

Modern diesel cars are no longer loud or polluting. They are efficient, powerful and much smoother to drive. The main reason behind this shift is Common Rail Direct Injection (CRDi), a fuel injection system that delivers diesel with high precision. It improves performance, reduces emissions and has become standard in everything from compact SUVs to premium models. Let's examine how CRDI works and its advantages and disadvantages.

What is a CRDI (common rail direct injection) engine?

A CRDi engine is a type of diesel engine that uses a more innovative way of delivering fuel. Instead of spraying fuel in fixed amounts like older engines, it stores diesel at very high pressure in a common pipe or rail. The engine then sends diesel to each cylinder with precise timing, all of which is controlled by an onboard computer.

How does a CRDI engine work?

First, the fuel is drawn from the tank and pressurised to 1,000-2,500 bar by a high-pressure pump. It is then stored in a common rail, which maintains constant pressure regardless of engine speed.

The engine control unit (ECU) helps in time management. It constantly reads inputs like throttle position, engine load, temperature and RPM. It calculates the precise timing and amount of fuel required for each cylinder based on this data.

The actual injection happens through independently controlled injectors, one for each cylinder, all connected to the common rail. When the ECU sends a signal, it sprays a fine diesel mist in timed phases called pre-injection, main injection and post-injection for smoother combustion.

Finally, the CRDi system enables efficient combustion. Since the diesel is sprayed as a fine mist and precisely timed with the piston’s movement, it mixes thoroughly with air. This ensures better power output, reduced unburnt fuel and lower emissions.

Advantages of CRDI engine

CRDi engines offer several advantages over older diesel systems. They deliver better fuel efficiency and more power by injecting fuel in precise amounts under high pressure, ensuring optimal combustion. This also results in lower emissions, as the fuel burns more completely, producing less smoke and fewer pollutants.

Additionally, CRDi engines are quieter and smoother, with reduced noise and vibration, and they allow for easier cold starts by adjusting fuel delivery based on engine temperature.

Disadvantages of CRDI engine

CRDi engines come with a few drawbacks. They have a higher upfront cost due to advanced components like high-pressure pumps and electronic injectors. Their maintenance and repairs are costlier as they require specialised tools and trained technicians, which may not be available in remote areas.

These engines are also sensitive to fuel quality, and poor diesel can clog or damage components. Additionally, parts wear out faster due to constant high-pressure operation, leading to expensive replacements.

Popular CRDI diesel cars

Here are some well-known models that come equipped with a CRDi fuel injection system, along with their price ranges:

Note: Hyundai and Kia have begun phasing out diesel variants in models like the Venue, Sonet and Creta. However, CRDi versions are still available in the used car market.

CRDI vs traditional diesel engines

To understand why CRDi engines are considered a significant improvement, it is helpful to compare them directly with traditional diesel engines. Here is how the two systems differ:

Conclusion

The advanced components of CRDi engines are expensive to repair or replace and are highly sensitive to fuel quality. Even a single instance of contaminated diesel can damage the system. A third-party car insurance policy won’t cover these expenses, as it only protects against damage to others.

To truly safeguard your vehicle, especially the advanced CRDi system, opting for a comprehensive car insurance policy is the smarter choice. With add-ons like engine protection, it can also help cover repairs related to the CRDi system failure.

FAQs

• What is a common rail direct injection (CDRi) system in diesel engines?

A common rail direct injection system delivers high-pressure fuel directly to each cylinder using electronic control.

• How does a CRDi system work?

A common rail direct injection CRDi system uses a common rail to maintain constant high fuel pressure. It then injects fuel into each cylinder electronically for cleaner combustion and better mileage.

• Is common rail direct fuel injection the same as CRDi injection?

Yes, they both refer to the same diesel engine technology. Both offer precise fuel control and improved engine efficiency.

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

Car rust affects millions of four-wheelers, and while it might seem like small spots at first, the tiny patches can lead to serious damage over time. If you don't catch the rust inside car early, it can eat away at the metal and compromise your vehicle's structural integrity, safety and performance.

This article will help you understand what rust is, its root cause, how to spot one and the best way to stop it from going worse.

At what age do cars start to rust?

Most cars begin showing rust signs in about 3-7 years, depending on usage and environmental conditions. However, various factors can change this timeline.

For example, if you live in a coastal region, your car can start developing rust as early as 2-3 years due to continuous salt air exposure. Meanwhile, vehicles in drier regions might not show rust for 7-8 years. But if you drive in areas with heavy rainfall, waterlogging or salt-treated roads, your car might start rusting earlier.

What causes rust on a car?

Rust forms when iron in your car's metal components reacts with oxygen and moisture. This chemical reaction, called oxidation, creates iron oxide, the reddish-brown substance you see as rust.

Several factors accelerate this process in India. They include:

1. Rain, puddles and washing your car too often without drying it properly.
2. Salt from coastal areas creates an electrolyte that speeds up corrosion.
3. Small scratches in a car's paint become entry points for moisture.
4. Temperature fluctuation, such as when metal expands and contracts with weather changes, creates tiny cracks in cars' protective coatings.
5. Dirt and chemical compounds in polluted air react with a car's metal surfaces, creating acidic conditions that promote rust development.

Types of rust in car

Let's look at the common types of rust inside cars and what they mean:

1. Surface rust: It appears as small spots or patches on your car's exterior. This type affects only the top layer of metal and paint.
2. Scale rust: This type penetrates deeper into the metal structure. It looks like flaky, raised patches that feel rough to touch.
3. Penetrating rust: It is the most severe type of car rust which eats completely through metal panels, such as floor pans, door frames and trunk area, leading to holes and weakened structure.

Common rust locations

The following areas of your car are more prone to rust development due to water collection and limited air circulation:

1. Wheel arches: They are the first to collect road spray, salt and debris, making them the prime rust locations.
2. Door frames and window seals: Water trickles down and gets trapped easily for prolonged periods, especially if the weather stripping is damaged.
3. Undercarriage: It faces constant exposure to salt, water and grime. Exhaust systems, suspension components and frame rails are particularly vulnerable.
4. Boot floor, bumper and spare tyre area: Moisture and spills can get trapped inside and form rust over time.
5. Inside car floor panels: Leaks from the AC and windows can cause rust inside the car without you noticing.

How to spot rust on your car

Detecting rust early can help you avoid major damage and costly insurance claims. Look for signs like paint bubbles, blisters, discoloured or flaking paint, and reddish-brown stains near joints and seams. Run your hand along the surface to feel for rough or raised spots.

Inside the car, damp smells or wet carpets may indicate hidden rust. Also, check common water collection areas such as door jambs, boot seals, and around the fuel filler cap.

How to remove rust from your car?

Depending upon the location and severity, your treatment may differ. Here's how to stop rust on cars effectively:

1. Clean the area: Use soap and water to clean lingering dirt thoroughly
2. Sand the rust: Use fine-grit sandpaper or a wire brush to scrape off surface rust gently until you reach clean metal
3. Apply rust remover: Add a layer of chemical rust remover or rust converter
4. Prime the area: Apply primer to seal the exposed metal
5. Paint it: Apply touch-up paint and a clear coat to restore the rusted area

Conclusion

If you are trying to protect your vehicle in the long run, preventing car rust should be part of your regular maintenance. Always clean your car properly, fix scratches early and check the underbody after monsoons. But more than that, rust teaches you how unpredictable damage can be. That's where insurance helps.

Having comprehensive car insurance will protect you from the cost of many weather-related damages that can lead to rust.

FAQs

• Is rust removal expensive?

It depends on the severity. Surface rust removal may cost a few hundred rupees. Structural repairs can cost several thousand.

• What's the difference between a rust converter and rust remover?

Rust converter chemically changes rust into a protective coating, while rust remover eliminates rust deposits. Converters work better for hard-to-reach areas, while removers provide cleaner results for visible surfaces.

• Is rust covered in car insurance online policies?

Rust is not covered in third-party policy, whether bought online or offline. However, if rust is caused by an insured event, like flood or waterlogging, you can claim it with your comprehensive car insurance.

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.

Wet car seats are a common problem during the monsoon. All it takes is one open window, soaked clothes or a parked car during heavy rain. What follows is damp seats, bad odour and a lot of discomfort. If ignored, it can even lead to mould or damage to your car’s interior. That is why it is important to know how to dry car seats quickly and correctly.

Things to consider when drying car seats in monsoon

If you’re wondering how can I dry my car seats during the monsoon, it starts with understanding a few key factors. Seat material matters as cloth seats absorb more moisture and are prone to mould, while leather resists water but can be damaged by heat. Time is crucial, as mould can develop within 24-48 hours. High humidity reduces the effectiveness of open windows, so use fans or dehumidifiers instead.

Good air circulation, such as running the A/C while driving or using fans in a sheltered area, speeds up drying. To tackle odours, use baking soda, activated charcoal or vinegar.

How to dry car seats

Drying wet car seats is manageable with the right approach. Begin by blotting seats with dry towels using firm pressure to absorb surface moisture. Use a wet/dry vacuum to extract water from fabric, foam and seams. Improve air circulation with portable fans or by running the heater on low while driving.

A small dehumidifier left in the closed car for a few hours can help remove trapped moisture. For odours, apply baking soda to damp areas and vacuum it later or place activated charcoal bags under the seats. If possible, park in sunlight with windows slightly open, but avoid prolonged exposure for leather seats.

Running the A/C while driving also helps dehumidify the interior. For small damp spots, use a hairdryer on low heat as a last resort.

Tools and materials needed for drying your car interior

A few basic tools can make a big difference when drying your car interior. Microfibre towels or absorbent cloths are ideal for blotting and wiping down seats and carpets. Portable fans or car blowers help circulate air within the cabin, speeding up the drying process, while a dehumidifier is especially useful in humid conditions or when sunlight isn’t available.

To combat moisture and odours, baking soda or activated charcoal works well as a natural absorbent. Keeping plastic seat covers or guards in your car can offer quick protection if you or your passengers are wet or if rain unexpectedly gets inside.

Additionally, ziplock bags or plastic containers are handy for placing baking soda or charcoal under seats without making a mess and for storing damp towels after use.

Tips for preventing future rain damage

Some simple steps can help you avoid water-damaged seats during the rainy season. Here they are:

• Inspect door and window seals: Replace worn-out door and window seals to prevent leaks.
• Install rain guards: Allow window ventilation without letting rain in.
• Use waterproof seat covers: They protect fabric seats from moisture and are easy to clean.
• Keep a towel handy: Use it to cover seats when you are wet or carrying damp items.
• Park smart: Choose covered parking or use a waterproof car cover if parked outdoors.

Addressing potential damage after drying

Even after thoroughly drying your car, it’s important to check for any lingering issues to avoid problems later. A persistent mould or mildew smell may require an odour remover or mild anti-fungal spray, and if it doesn’t go away, professional interior cleaning might be necessary.

Watch for discolouration, as some fabrics can stain, fade or develop water spots. These should be spot-treated with fabric-safe cleaners or addressed by a detailing expert if severe.

Conclusion

Water damage is a real and frequent issue during the monsoon. Damp seats, faulty electronics or even mould buildup can lead to expensive repairs. This is exactly the kind of situation comprehensive car insurance is designed to handle. It covers damage caused by rain, flooding and other seasonal risks.

FAQs

• How to dry car seats during monsoon?

Blot the seats with towels, use a wet/dry vacuum and run fans or a dehumidifier to remove moisture. Do this and you will understand the biggest hack on how to dry a wet car seat fast.

• How to dry car seats quickly?

Use a combination of a vacuum, portable fans and baking soda to speed up drying.

• How do I dry out my car interior after it gets wet?

Improve air circulation, remove floor mats, use drying agents and park in sunlight if possible.

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.

Buying a car is one thing; maintaining it well is another. Keeping it in good shape is not just about regular washing, aligning wheels or changing oil. It also involves following the right maintenance process, knowing the right schedule and understanding the costs. If you own a KIA Sonet, knowing these points will improve fuel efficiency, overall performance and resale value. This guide covers everything you need to know about KIA Sonet maintenance cost, service schedule, part-wise charges and what to check before your next service.

Why KIA Sonet maintenance & service is important

Your KIA Sonet works hard on Indian roads. Dust, heat and traffic conditions create extra stress on engine components. Regular checks help spot small issues before they turn costly. For example, timely oil changes can prevent engine damage, 6-monthly filter replacements will ensure good air intake and quarterly brake system checks will keep you safe on the busiest roads.

Following the recommended Kia Sonet service schedule will extend your vehicle’s lifespan and keep its resale value intact.

Kia Sonet service schedule

Start your Sonet’s servicing from the first month and continue at recommended intervals.

Here’s the updated KIA Sonet service schedule and tentative cost per service for up to ten years or 100,000 km:

• Petrol (1.2L / 1.0 GDi)

• First Service (1,500 km / 2 months): free
• Second Service (10,000 km / 1 year): free
• Every 10,000 km thereafter: paid service (approximately ₹2,125 labour at 20k, 30k and 50k and ₹2,580 at 40k, 60k and 80k)

• Schedule for replacing key components

• Engine oil + oil filter: every 10,000 km
• Air filter + cabin AC filter: every 20,000 km
• Brake/clutch fluid: every 30,000 km or 3 years
• Fuel filter: every 40,000 km
• Spark plugs and coolant: every 100,000 km

• Diesel (1.5L Turbo)

• The first two services are free (as above)
• Paid services post 20,000 km: same labour schedule (₹2,125 / ₹2,580 every alternate 10k)
• The parts replacement schedule matches petrol, except there is no spark plug change until 100,000 km

• Cost summary per 10Year / 100,000 km plan:

• Normal petrol: ₹40,200 total with average cost coming around ₹335/month or ₹0.40/km
• Turbo petrol: ₹42,535 total; average will be ₹354/month or ₹0.43/km
• Turbo-diesel: ₹47,570 total; average is ₹396/month or ₹0.48/km

Remember that the first two services do not include consumables or part replacements.

The costs increase from the third service onwards as parts like filters, fluids and labour are added.

If you drive less or stop at 50,000 km, your average Sonet service cost per month will drop to ₹292 (normal petrol), ₹307 (turbo petrol) or ₹360 (diesel) over five years.

KIA Sonet service part cost

Each service focuses on different parts and tasks. Here’s a breakdown of common replacement costs:

• Engine oil change: ₹1217 (Depends on the variant)
• Oil filter: ₹360
• Air filter: ₹300-₹500
• Brake fuel replacement: ₹350
• Fuel filter: petrol ₹400-₹700; diesel around ₹900
• Cabin filter: ₹300-₹450
• Coolant top-up: ₹563
• Spark plugs: ₹1,341

The costs are approximate and may vary based on location, service centre and variant.

KIA Sonet maintenance cost

Your regular Sonet maintenance cost depends on how often you drive and how well you follow the service plan.

It’s reasonable compared to other cars in the same segment.

The average KIA Sonet service cost for 10 years is around ₹40,000-₹43,000 for petrol variants (Average cost ₹350) and ₹45,000-₹50,000 for diesel variants (Average cost ₹396).

You might spend more if you opt for genuine accessories or extended warranty checks.

Thing to check while looking for Kia Sonet maintenance cost

When calculating your Kia Sonet’s maintenance cost, consider the following points:

• Check whether the service centre is an authorised Kia partner.
• Make sure the prices include GST and labour charges.
• Find out if the service centre uses genuine parts.
• Compare costs across different service centres if possible.
• Ask about the cost of regular consumables like oil, filters and brake fluid.
• Find out if the service centre offers yearly service packages or festive discounts.
• Note down the inclusions in every paid service.
• Ask about the warranty on replaced parts.

Always review the bill and track what is replaced and when. This will help you during resale and for comprehensive car insurance claims.

Factors affecting KIA Sonet maintenance cost

Many factors influence your car’s service cost. Here’s what matters:

• Petrol vs diesel: Diesel service costs more.
• Dealer: Authorised dealers charge more but use only genuine parts.
• Driving route: City driving creates more wear and tear than highway driving.
• Metro vs town: Metro cities typically charge higher labour rates, while smaller towns offer competitive pricing.
• Traffic: Heavy traffic increases brake pad wear, while bad roads damage suspension and tyres faster.
• Driving style: Aggressive driving can scratch or dent your car, leading to additional costs.
• Weather: Dusty conditions or coastal regions may need more frequent air filter changes.
• Spare parts quality: Genuine parts are costlier but last longer.
• Insurance cover: Lack of proper third-party car insurance may lead to higher repair bills.

You can control many of these by maintaining good driving habits and choosing a good car insurance plan.

Conclusion

Owning a KIA Sonet is a long-term investment, and so is taking care of it. Also, a good car insurance plan matters as much as regular servicing. While you can go for the mandatory third-party car insurance, a comprehensive plan will give you wider financial and legal protection, covering own damage, theft, fire, natural calamities and complete wreckage.

FAQs

• What is included in the regular service?

Regular service covers oil changes, filter replacements, brake checks, fluid top-ups and a general inspection.

• Can I service my KIA Sonet at non-authorised centres?

Yes, but it may void your warranty or affect your insurance claim in the future. Authorised centres provide genuine parts and proper procedures.

• Does scheduled maintenance cover accidental repairs?

No, regular maintenance does not cover accidental repairs. You need a comprehensive car insurance policy for that.

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.

A diesel particulate filter is an emission control device found in the exhaust system of most modern diesel cars. Its main role is to collect and retain soot, which are tiny black particles produced when diesel fuel burns. These particles can degrade air quality and negatively impact people’s health.

How does a diesel particulate filter work?

DPF works by trapping harmful soot from exhaust gases using a wall-flow ceramic honeycomb structure. The porous walls trap soot particles while the cleaned gases exit through the other side. This reduces particulate emissions by 85-99%, depending on the system and driving conditions.

Over time, soot buildup can block the filter. To clean it, the DPF heats up and burns off the soot in a process called regeneration. To prevent this, the DPF burns off the soot through regeneration, either passively during longer drives or actively when triggered by the vehicle’s system.

Importance of DPF in diesel engines

Diesel Particulate Filters (DPFs) are essential for reducing over 80% of soot emissions, helping control air pollution and protect public health by limiting harmful particulate exposure. They are mandatory under India’s BS6 norms, and vehicles without a functioning DPF may fail emission tests or face penalties.

A clean DPF also improves engine efficiency by reducing exhaust back pressure, enhancing fuel combustion and torque. Neglecting DPF maintenance can lead to costly engine damage, which some car insurance plans may not cover, making regular upkeep important for both performance and smoother claim processing.

Components of diesel particulate filter

A diesel particulate filter is made up of several integrated components that work together to capture and remove soot from diesel exhaust gases.

• Filter structure: The core filtering element is a ceramic substrate with a wall-flow honeycomb design. The channels in the structure are sealed at alternate ends, which forces exhaust gases to pass through the porous channel walls.
• Filter materials: The common materials used for the substrate are cordierite and silicon carbide. These materials are selected for their thermal stability and resistance to the high temperatures generated during regeneration.
• Catalyst coating: Some DPFs are coated with a catalyst, usually made of platinum to improve passive regeneration by enabling soot oxidation at lower exhaust temperatures.
• Integrated catalysts: A Diesel Oxidation Catalyst (DOC) is integrated with the DPF in some systems. It helps raise the temperature of the exhaust gases and supports the oxidation of hydrocarbons and carbon monoxide before they reach the filter.
• Sensors and ECU: Differential pressure sensors and temperature sensors are positioned before and after the filter. These sensors provide input to the vehicle’s Electronic Control Unit (ECU), which calculates the soot load and determines when regeneration is required.

Tips to maintain a diesel particulate filter

Neglecting DPF maintenance can result in costly repairs and reduced vehicle performance. To keep it in shape, you need to:

• Use the right fuel and oil: Only use ultra-low sulphur diesel and manufacturer-approved engine oils. High-sulphur fuel or low-grade oil leads to excessive soot and ash accumulation.
• Avoid frequent short trips: Short drives don’t let the exhaust get hot enough for regeneration. Combine errands or take longer drives when possible.
• Drive at highway speeds regularly: Sustained speeds help trigger passive regeneration and burn off soot without intervention.
• Stick to the service schedule: Your vehicle’s manual outlines DPF maintenance intervals. Don’t skip them, especially if you notice a warning light.
• Use fuel additives wisely: Approved additives can help reduce soot, but avoid overusing them. Always follow the manufacturer’s guidance.

Common DPF problems and their solutions

DPFs are durable but not immune to issues. Here are the most common problems and how they can be addressed:

Conclusion

Diesel particulate filters are now a standard feature in diesel vehicles, particularly with the implementation of BS6 regulations. What many drivers don’t realise is that a neglected DPF can also affect their car insurance. Some comprehensive car insurance plans may not cover damage caused by ignoring warning signs or failing to perform necessary maintenance. And with third party car insurance, engine-related issues like these aren’t covered at all.

FAQs

• What is DPF in diesel cars?

In diesel cars, the DPF helps clean the exhaust by burning off trapped soot.

• What is DPF issue in car?

It refers to filter blockage, which can trigger warnings or reduce engine power.

• What cars have DPF, and does it affect car insurance?

Most BS6 diesel cars have DPFs. Poor DPF upkeep may impact comprehensive car insurance claims, but not third party car insurance.

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.

With rising traffic congestion and poor road conditions, the risk of vehicle damage or accidents has become a growing concern. When you've invested lakhs in your car, protecting it with the right insurance becomes essential.

Read on to explore key tips and benefits of buying car insurance in Lucknow.

Features of car insurance

The key features of car insurance are as follows:

1. Legal compliance: As detailed by the Motor Vehicles Act (1988), third party car insurance is mandatory for all vehicle owners. Driving without valid insurance may result in fines.
2. Risk coverage: Car insurance provides coverage against a range of risks, including accidents, theft, fire, natural disasters and other unforeseen damages.
3. Flexible customisation: Various add-ons, such as zero depreciation coverage, roadside assistance and engine protection, can be added to tailor your policy. This personalisation ensures that your insurance meets your specific requirements.

Types of car insurance policies in Lucknow

The various types of car insurance policies available in Lucknow are:

1. Third party car insurance: This is the minimum coverage required by law. It covers the cost for injuries, deaths, or damage caused by your vehicle to the other party.
2. Comprehensive car insurance: An extensive form of coverage, this policy includes third-party liabilities and damages to your vehicle.
3. Own damage insurance: This policy covers damage to your vehicle resulting from accidents, fire, theft, or other insured risks.

Benefits of car insurance policies in Lucknow

A robust car insurance policy can offer various benefits, including the following:

1. Financial protection: Car insurance in Lucknow serves as a financial safety net, covering the cost of repairs and replacement if your car is damaged in an accident. It provides liability protection by covering third-party damages or injuries, helping you avoid major financial setbacks if you're involved in an accident.
2. Legal compliance: Third-party car insurance is mandatory by law and acquiring a policy ensures you are complying with the law while on the road.
3. Protection against natural calamities: Lucknow experiences varied weather conditions, including heavy rainfall in the monsoon season. Comprehensive car insurance covers damages caused by floods, falling trees and other natural disasters, ensuring your vehicle stays protected against environmental risks.
4. Coverage against theft: Car theft is an unfortunate reality, even in well-patrolled areas. A comprehensive car insurance policy safeguards you by covering losses due to theft and compensates you for the value of your stolen vehicle.
5. Long-term peace of mind: Driving on Lucknow’s busy roads comes with its share of risks, from accidents to legal liabilities. Car insurance offers long-term peace of mind by covering repair costs, third-party claims and unforeseen legal expenses.

Coverage offered under car insurance in Lucknow

Car insurance coverage varies by type of plan, insurer chosen and add-ons included in the plan. However, a robust car insurance policy typically covers the following:

• Covers repair costs for damages resulting from accidents or collisions
• Provides reimbursement based on the insured value if your vehicle is stolen
• Compensates for repair or replacement costs due to floods, landslides, earthquakes, or other natural calamities.
• Offers financial compensation to the owner-driver in case of accidental death or disability.

How to buy car insurance online in Lucknow?

Follow the given steps to acquire car insurance in Lucknow online:

1. Compare policies: Research and compare insurance policies from different insurers to select one that suits your needs and budget.
2. Visit the insurer’s website or app: Visit your selected insurer’s website or download their app.
3. Provide necessary details: Provide vehicle registration information, personal details and other relevant data.
4. Select coverage and add-ons: Choose the desired coverage and add-ons based on your needs.
5. Pay the premium: You can complete the premium payment through online banking, credit/debit cards, UPI, or other convenient payment methods. Once the payment is successful, your policy will be sent to your registered email address.

Conclusion

A well-chosen car insurance policy helps meet legal requirements and offers comprehensive protection against accidents, theft and natural disasters. With the right coverage in place, you can drive confidently on Lucknow’s roads, knowing that both your vehicle and finances are well protected.

FAQs

• What are the key advantages of buying car insurance online?

Purchasing car insurance online in offers unmatched convenience, saving both time and money. It allows you to compare plans from multiple insurers, customise your coverage and complete the process without any paperwork. Additionally, online policies often come with exclusive discounts on premiums, making them a cost-effective choice.

• Which add-ons are worth considering for car insurance in Lucknow?

Zero depreciation, roadside assistance, engine protection, consumables cover and key replacement are some add-ons that you can include to improve your policy’s coverage.

• What documents are needed to renew car insurance in Lucknow?

To renew car insurance in Lucknow, you will need your previous policy documents, vehicle registration certificate and a document of identity verification like an Aadhar card.

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.

Whether you're buying your first car or renewing an existing policy, understanding how car insurance works in a rapidly urbanising city like Dehradun can save you both time and money. With an increasing number of vehicles on the road and growing traffic risks to navigate, having the right coverage is practically essential. From legal obligations to important add-ons, this blog guides you through everything you need to know to be a responsible and insured car owner.

Features of car insurance

The following are the basic features of a typical car insurance policy:

1. Risk coverage: A comprehensive motor insurance policy provides complete risk protection, allowing you to claim expenses for damages to your vehicle as a result of accident, theft, fire or natural disaster.
2. Add-ons: If you need special coverage not included in a standard policy, you can add it to your existing plan with an add-on. Options like zero depreciation coverage, roadside assistance and engine protection can help you meet your needs and enhance your coverage.
3. No claim bonus: Any unclaimed amount from the last policy gets added to the next policy, making your car insurance policy stronger and with a higher coverage amount at the same premium.
4. Insured Declared Value (IDV) of your car: At the time of insurance, the value of your car is calculated by the insurer. This value generally depends on the market value of your car, and in the event of an accident or damage, it may be used to calculate compensation.

Types of car insurance policies in Dehradun

Car owners can choose between two main types of policies:

1. Third-party car insurance: This is the essential form of insurance required by law. It covers injury or property damage to a third party, but does not protect your own vehicle.
2. Comprehensive insurance: This policy covers both third-party liabilities and damages to your car. It typically also includes theft, fire and natural disasters. It's ideal for those who want complete protection.

Benefits of car insurance policies in Dehradun

Dehradun’s roads can be unpredictable due to sudden weather changes, narrow lanes and hilly terrain. In such conditions, having a good car insurance policy offers several key benefits:

• Financial protection: Car insurance in Dehradun helps you cover repair costs in case of an accident or vehicle damage.
• Legal compliance: Having at least third-party insurance ensures you meet the legal requirements for driving.
• Cashless garage network: Many insurers have tie-ups with garages across Dehradun, where you can get repairs without paying upfront.
• Personal safety: Personal accident cover ensures compensation for you and your passengers.
• No claim bonus (NCB): You can enjoy a discount on premiums for claim-free years.

Coverage offered under car insurance in Dehradun

A standard car insurance policy typically covers the following:

• Damage caused by road accidents
• Losses due to fire, explosions or self-ignition
• Natural calamities such as floods, landslides or earthquakes
• Theft
• Damage resulting from vandalism or any intentional, malicious acts.
• Personal accident coverage for the owner-driver that provides financial aid in the event of injury or death.

Optional add-ons may include:

• Zero depreciation cover: Ensures you acquire the full claim amount without deduction for car parts.
• Engine protection: Covers restoration or replacement costs for engine damage caused by water ingression or oil leakage.
• Roadside assistance: Offers help in case your car breaks down, providing services such as towing, battery jump-start or fuel delivery.
• Consumables coverage: Pays for the cost of items such as engine oil, nuts and bolts and brake fluid used during repairs.
• Return-to-invoice cover: Compensates you with the original invoice value of the car in case it is stolen or damaged beyond repair.

How to buy car insurance online in Dehradun?

It is relatively easy to purchase car insurance in Dehradun. The online process is as follows:

1. Visit the car insurance section on the website of a trusted motor insurance provider.
2. Then enter your vehicle’s registration number and click on ‘Check Prices’.
3. Fill in details about your car, such as make, model and registration number, along with personal information like your mobile number, pincode and email ID.
4.  You can then browse through the available car insurance plans.
5. Choose the policy that fits your needs, along with any add-ons you may want.
6. Complete the payment, and your policy details will be shared with you right away.

Conclusion

Car insurance is a shield that protects you against unexpected financial burdens. Whether you're navigating steep roads in the hills or manoeuvring city traffic, having the right policy offers peace of mind. Buying or renewing insurance online is easy and efficient, ensuring that you’re always protected on the road.

FAQs

• How can I find the best car insurance policy in Dehradun?

To choose the right policy, compare plans online from different insurers. Look at what each policy covers, the claim process and customer reviews. Select a plan that offers the right mix of coverage and price from a trusted provider.

• What should I check before buying car insurance?

Before buying, check the type of policy, what’s included and excluded, the premium amount and how easy it is to make a claim. Additionally, verify the insurer’s claim settlement record. It functions as a good indicator of reliability.

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.

Ludhiana, often called the Manchester of India, is known for its bustling roads, growing car culture and fast-paced lifestyle. From compact hatchbacks to full-sized SUVs, vehicles play an essential role in daily commuting across the city’s frequently congested streets.

As traffic continues to grow, so do risks, such as the increasing number of road accidents. This makes having appropriate car insurance a practical safeguard. Read on to discover key features of car insurance, including types, benefits, process and more. 

Features of car insurance

Car insurance in Ludhiana offers practical protection, like covering legal requirements, unexpected damages and everyday risks. The features of car insurance are as follows:

Types of car insurance policies in Ludhiana

The various types of car insurance available in Ludhiana are:

1. Third party car insurance

Mandated by law, this is the most fundamental form of insurance cover, offering protection against third-party liabilities.

• Pros: Most affordable option, ensures legal compliance
• Cons: No coverage for your car or personal injuries
• Ideal for: Drivers with older vehicles or minimal usage

2. Own damage cover

This policy is a standalone coverage that protects against damage to your car resulting from accidents, fire, theft or natural disasters. It must be bought in combination with third-party insurance.

• Pros: Offers personal vehicle protection
• Cons: Does not cover third-party liabilities
• Ideal for: New car owners or those with financed vehicles

3. Comprehensive car insurance

This plan combines third-party liability and own-damage cover. It offers wide protection and can be improved with various add-ons.

• Pros: Covers both personal and third-party damages
• Cons: Slightly higher premiums
• Ideal for: Car owners who want complete peace of mind

Benefits of car insurance policies in Ludhiana

A robust car insurance can help you in the following ways:

• Legal compliance: Third-party insurance ensures you are complying with the law. Failure to do so can result in fines and even imprisonment.
• Financial protection: Insurance keeps you financially secure by covering the costs of repairs, damage and medical bills that come with an accident.
• Cashless repairs: Most insurers have a good network of garages in Ludhiana. You can simply visit one of these authorised centres and get your car repaired without having to pay upfront; your insurer settles the bill directly.
• Personalised coverage: Policies are not one-size-fits-all anymore. You can add extras based on your lifestyle, such as engine protection for the rainy season or key replacement if you are prone to misplacing items. Add-ons help you customise and enhance your coverage.
• Immediate assistance: Many plans now include 24/7 roadside assistance. Help is just a call away, whether your battery dies, you get a flat tyre or if you need a tow.

Coverage offered under car insurance in Ludhiana

Coverage varies by plan and add-ons, but the typical coverage offered includes the following:

• Third-party liability: This is mandatory and it covers injury or death caused to someone else and damage to their vehicle or property.
• Own damage cover: It takes care of your car if it is damaged in an accident, fire, flood, riot or even stolen.
• Personal accident cover: This cover provides financial protection to the driver/owner in the event of a serious injury or death.

Useful add-ons to consider

You can also consider including additional protection to your coverage. Some helpful add-ons that can provide broader coverage are:

• Zero depreciation: Full claim payout without deductions for part wear and tear.
• Engine protection: Covers water damage, oil leaks and mechanical failure.
• Return to invoice: Get reimbursed the full invoice value of your car if it is stolen or totalled.
• NCB protection: Keep your NCB intact even after one claim.
• Key replacement: Covers the cost of car key replacement when keys are lost or stolen.
• Consumables cover: Includes things like engine oil, nuts, bolts and other non-reusable parts.
• Roadside assistance: Emergency support like towing, fuel delivery or a jump-start.

How to buy car insurance online in Ludhiana?

Buying car insurance in Ludhiana is a simple process. This is how you can do it online:

1. Visit the official website of the insurer.
2. Select 'Car Insurance', provide relevant vehicle information and look for options to get a quote
3. To apply, provide your car registration number and personal details.
4. Choose the type of policy and add-ons you want.
5. Review the quote and pay online.
6. Download your digital policy instantly.

Conclusion

Choosing the right car insurance policy doesn’t have to be complicated. Take a little time to understand what kind of coverage you need. Perhaps it's just the basics to stay compliant or maybe a more comprehensive plan with useful add-ons and broader coverage.

Either way, an appropriate policy provides protection when you need it the most and provides long-term peace of mind.

FAQs

• Is car insurance mandatory in Ludhiana?

Yes, having at least third party car insurance in Ludhiana is legally required.

• Can I get car insurance in Ludhiana online?

You can easily buy, renew or manage your car insurance in Ludhiana online without needing an agent.

• Can I transfer my car insurance to a new owner?

Yes, when you sell your car, the insurance plan can be transferred to the new owner. You need to inform the insurer and provide the required documents.

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.

Driving in Mysore comes with its own set of challenges. They include tight city roads, unpredictable weather and growing traffic across areas like KR Circle and Sayyaji Rao Road. This makes having valid car insurance in Mysore a necessary layer of protection in such conditions.

Insurers now offer flexible plans that match your lifestyle and budget. Options range from basic third-party cover to comprehensive car insurance, along with useful add-ons like roadside assistance and zero depreciation. Read on to discover the basics of car insurance in Mysore, from policy types and features to benefits and the best way to buy or renew online so that you can make a more informed choice.

Features of car insurance

When we talk about car insurance Mysore residents trust, we are referring to policies that go beyond paperwork. Here are some standout features of a reliable car insurance plan:

• Third-party damage cover: This is mandated by the Motor Vehicles Act. It covers injury or damage you might cause to another person or their property.
• Own damage cover: This protects your own car against accidents, fire, theft and natural disasters. It is not mandatory, but it is highly recommended, especially if your car is new or frequently used.
• Comprehensive coverage: This feature combines third-party and own damage cover. You can also improve it further with optional add-ons.
• Network garages: Many insurers offer access to over 7,500 cashless garages across India. This ensures that you can get repairs done without incurring out-of-pocket expenses.
• Quick online processes: Most insurers let you buy or renew policies online in minutes. It is fast, paperless and often comes with discounts.
• Claim settlement ratio: A high claim settlement ratio shows how consistently an insurer honours claims. Ratios above 95% are generally considered a good sign of reliability and efficient service during emergencies.
• Add-on flexibility: Customise your cover with extras like engine protection, zero depreciation, key replacement, roadside assistance and consumables cover.
• No claim bonus (NCB): Drive safe and you will be rewarded. You can get up to 50% off on your renewal premium when you have no claims in a year.

Types of car insurance policies in Mysore

The primary types of insurance policies are as follows:

• Third party car insurance: This is the most basic coverage and is legally required. It covers damage or injury you might cause to others. However, it does not protect your own vehicle. This type of insurance is ideal for older cars or infrequent drivers who want low premiums and minimum coverage.
• Own damage cover: This policy protects your car from damages that happen from accidents, theft, fire or natural disasters. It must be paired with third-party insurance to be valid on the road. It suits those who drive regularly or park in high-risk areas.
• Comprehensive car insurance: This all-in-one policy includes both third-party and own-damage cover. It can be customised with add-ons like zero depreciation or engine protection. Though it costs more, it offers broader protection. This makes it ideal for newer cars and daily drivers.

Benefits of car insurance policies in Mysore

Having car insurance in Mysore is a practical way to handle the unexpected. A good policy can save you from major financial setbacks. Some benefits of a good policy are:

• Financial protection: Insurance helps cover repair or replacement costs after accidents. It makes sure that you are not left paying out of pocket during emergencies.
• Third-party liability coverage: If your car causes injury or damage to others, your insurer covers the legal and compensation costs.
• Legal compliance: Having at least third-party insurance is mandatory under the Motor Vehicles Act, 1988. It helps you avoid penalties and ensures legal compliance.
• Custom add-ons: Add-ons like zero depreciation, engine protection or roadside assistance offer extra support customised to local conditions, such as monsoons or breakdowns.

Coverage offered under car insurance in Mysore

The coverage can vary by policy, but a standard plan typically covers the following:

• Accidental damage: Repairs for damage caused by collisions, whether it is a small dent in city traffic or a major accident on the highway.
• Natural disasters: Coverage for weather-related damage like floods, landslides or fallen trees. It is useful during Mysore’s monsoons.
• Fire and explosion: Protection against fire incidents caused by short circuits, overheating or accidental ignition.
• Theft or total loss: If your car is stolen or declared beyond repair, you will be compensated up to its Insured Declared Value (IDV).
• Third-party liability: Covers injury or property damage caused to others due to your vehicle.
• Personal accident cover: Most plans include financial support for the owner-driver in case of injury or death. Coverage for passengers can be added.
• Optional add-ons: Extras like zero depreciation, engine protection and roadside assistance let you customise your plan to fit local driving conditions.

How to buy car insurance online in Mysore?

Here’s how you can acquire car insurance in Mysore:

1. Visit a trusted insurer’s website or use a mobile app.
2. Enter your car’s details and personal information.
3. Compare different policies and choose the most suitable one.
4. Select add-ons if needed.
5. Make the payment online.
6. Instantly receive your policy via email.

Conclusion

Insurance is your safety net on chaotic roads of Mysore, during unpredictable monsoons or when your parked car gets a large dent you weren’t expecting. Comprehensive car insurance goes beyond basic third-party cover and protects your car from accidents, theft, floods and even engine damage, especially if you pick the right add-ons.

FAQs

• Is car insurance in Mysore mandatory?

Yes, having at least a third party car insurance policy is required by law under the Motor Vehicles Act. It is needed to drive legally in Mysore.

• How do cashless garages work with car insurance Mysore policies?

The cashless garages of many insurance providers in Mysore allow you to get repairs without paying upfront. Your insurer settles the bill directly.

• Is NCB transferable if I change my car insurance in Mysore?

Yes, your No Claim Bonus stays with you even if you move to a different insurer.

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.

Car insurance is essential when you are driving on the streets of a densely populated city like Ghaziabad. It offers you liability coverage and personal injury protection and ensures that you don’t need to undertake a financial burden in the event of an emergency.

This blog will cover everything you need to consider when acquiring car insurance in the city.

Features of car insurance

Understanding the key features of car insurance can help you make informed choices before acquiring a policy. Some essential features of car insurance in Ghaziabad you must know about are. 

• Insured Declared Value (IDV): An IDV is the maximum coverage amount that the insurer can offer you if your car is stolen or damaged. The higher the IDV is for your car, the greater the premium amount.
• Personal accident cover: Insurance providers offer extensive financial support for the owner/drive in the event of an
• Cashless service: The insurers maintain a network of garages across the city. In these network garages, you can avail of services without paying upfront. Your insurer settles the bill with the garage directly.
• Add-ons: Add-ons enable you to customise your policy according to your needs and enjoy broader coverage. You can include various add-on services, like Zero Depreciation Cover, Return to Invoice Cover, Breakdown Assistance and Consumable Cover.
• No Claim Bonus (NCB): NCB is a discount on your premium for not making any claims during the year. With consecutive claim-free years, this can accumulate over time and go up to 50%.

Types of car insurance policies in Ghaziabad

The types of car insurance available in Ghaziabad are:

● Third-party insurance

According to the Motor Vehicles Act, it is mandatory for all car owners to have third party car insurance. A third party car insurance policy offers coverage for injuries and property damage to others.

● Own Damage (OD) car insurance

An OD car insurance policy offers coverage for damages to your own vehicle. Whether it’s a road accident, fire, theft or damage caused by natural disasters, this policy allows you to claim compensation for the repair or replacement of your car. 

● Comprehensive car insurance

A comprehensive car insurance plan offers both third party coverage and own damage coverage. It covers repair or replacement costs if your car is damaged due to theft, accident, natural calamity or other events, offering complete financial protection.

Benefits of car insurance policies in Ghaziabad

Some benefits of acquiring car insurance in Ghaziabad are:

• Legal compliance: Obtaining insurance is an effective way to ensure legal compliance. Third party car insurance is mandated by law and failure to comply can result in fines, penalties and even imprisonment.
• Financial protection: Car repairs and replacements can be costly. An appropriate policy offers financial support and ensures long-term peace of mind.
• Cashless repairs: Modern insurance policies also allow for cashless repairs. You can visit one of their network garages and avail required services without paying upfront.
• Customised coverage: Insurance policies can be customised to your needs and preferences. Depending on your driving frequency, style, location and more, you can include add-ons in your policy.

Coverage offered under car insurance in Ghaziabad

While coverage varies by policy and add-ons, a comprehensive car insurance policy typically covers the following:

• Personal accident injury and death
• Accidental damages
• Damages caused by natural calamities, fire outbreaks and hostile manmade situations
• Third-party liability coverage
• Theft and vandalism of the insured car

How to buy car insurance online in Ghaziabad?

Acquiring car insurance in Ghaziabad is fairly simple. Follow the given steps to acquire four wheeler insurance online:

• Ensure you have all your personal documents handy, such as Aadhar/PAN card and driving license. Additionally, make note of the relevant details of your car, including the make and model, the year of manufacture and the vehicle registration number.
• Compare insurers online and consider the premium, available add-ons, terms and conditions, claim settlement ratio and more.
• Select a reputable insurance company and navigate to their official website. Provide all relevant personal information and vehicle details.
• Choose an appropriate insurance plan. You can also customise your insurance plan with add-ons like NCB Protection, Return to Invoice, Zero Depreciation and Roadside Assistance.
• Complete the payment and download the policy document.

Conclusion

Car insurance is a crucial safeguard against the unpredictable. From covering costly repairs and accident-related expenses to protecting you against theft, fire and natural disasters, it offers comprehensive financial security.

A well-chosen policy ensures you're legally compliant and better prepared for emergencies on the road. Having reliable car insurance means driving with confidence, knowing you're protected while on the road.

FAQs

• Is there any penalty for failing to have a valid car insurance policy?

Yes, under Indian law, it is mandatory to have at least a third party car insurance policy. Driving without valid insurance can lead to penalties, including fines and/or imprisonment.

• What is zero depreciation cover?

Zero depreciation cover is an add-on to your car insurance that ensures you receive the complete claim amount without any deduction for depreciation on replaced parts. It’s especially useful for new or high-value cars, as it helps minimise out-of-pocket expenses during repairs.

• What is a consumables cover?

Consumables cover is an optional add-on that reimburses the cost of items like engine oil, brake oil, nuts and bolts, coolant and other materials that are typically excluded from standard policies.

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.