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

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

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

Benefits of EVs in India

Let us discuss the advantages of EVs in detail:

Low Cost Usage

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

Affordable Maintenance

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

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

Tax and Financial Perks

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

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

• This has resulted in benefits like

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

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

Catalogue of Upcoming SUVs in India

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

Mercedes-Benz EQA | Expected Launch Date: March 2023

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

Tata Harrier | Expected Launch Date: March 2023

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

Volkswagen Tiguan Allspace | Expected Launch Date: April 2023

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

Maruti Jimny | Expected Launch Date: May 2023

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

KIA Seltos | Expected Launch Date: May 2023

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

Jeep Grand Cherokee | Expected Launch Date: May 2023

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

Mahindra Bolero Neo Plus | Expected Launch Date: May 2023

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

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

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

What is a turbo engine in a car?

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

How does a turbo engine work?

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

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

Advantages and disadvantages of a turbo engine

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

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

Things to consider when calculating your budget for a new car

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

Thumb rule: Set a reasonable budget

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

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

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

Choose between new or old.    

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

Buying the right size    

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

Avoid negative compounding    

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

Contemplate maintenance costs    

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

More savings than EMI    

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

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

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

List of Best Luxury Cars in India 2023

1. Mercedes-Benz S-Class

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

Other features:

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

2. Land Rover Range Rover

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

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

3. BMW X7

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

Other features include the following:

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

4. Toyota Vellfire

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

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

If you’re a proud owner of a vehicle, chances are that you might be looking for an insurance cover to safeguard your prized possession. But first, you must know about the different types of insurance coverage available to understand what’s in it for you.

Motor insurance generally encompasses various motor vehicles like motorcycles, cars, and commercial vehicles. This insurance is crucial for personal and public safety. Motor insurance extends beyond the vehicle itself. To delve into its specifics, let's explore the types of motor insurance and their coverage. Generally, the classification gets based on two factors: the vehicle type that’s insured and the desired coverage extent. By understanding the various aspects of motor insurance, you can ensure your protection and the well-being of others on the road.

Types of Motor Vehicle Insurance

Different types of motor vehicle insurance offer various coverage options. The following are some of the most popular types of motor insurance policies in India.

Private Car Insurance

It offers financial protection for personally used vehicles. It safeguards cars and owners from accidents, theft, fires, and natural calamities. It also covers third-party liabilities, including injuries, fatalities, or property damage from accidents involving the insured car. While third-party liability coverage is obligatory by Motor Vehicle Act in India, having own damage insurance is good for its comprehensive coverage. However, it excludes damages from breakdowns, invalid licenses, drunk driving, wear and tear, and incidents outside the specified area or due to commercial use.

Policyholders can enhance coverage with optional add-ons like zero depreciation, engine assistance, loss of belongings, return to invoice, and consumables cover. Factors like budget, coverage needs, vehicle age, and type play a significant role in this type of car insurance.

To file a Private Car insurance claim, contact your agent, dial the toll-free number, or complete online forms provided by your insurance service provider. Ensure you possess essential details like incident date and time, policy number, and contact information. 

Two-wheeler Insurance

A two-wheeler policy is mandatory and covers third-party liabilities and own damages. The types of motor vehicle insurance, in this case, include third-party, comprehensive, and standalone own-damage insurance. 

Third-party insurance is obligatory and covers third-party losses. Comprehensive insurance covers personal damages and third-party liabilities. Standalone own-damage insurance covers the insured vehicle.

Inclusions cover natural and man-made damage. Exclusions include driving under the influence of intoxicating substances and the absence of valid documentation. 

Commercial Vehicle Insurance

It is one of the most popular types of motor vehicle insurance that covers damage to or by commercial vehicles, protecting both parties in accidents. Business owners are mandated to insure vehicles like trucks, buses, and cabs. Key features include comprehensive coverage for public and private carriers, liability for accidents, and compensation for unexpected expenses. It also addresses third-party damage and offers personal accident coverage. Exclusions encompass wear and tear, war perils, and usage limitations. This insurance ensures business operations continue smoothly by providing financial security against adverse events.

To claim this insurance, promptly inform the insurer and provide essential details like time, location, and incident description. Required documents for claiming your insurance include vehicle registration, driving license, claim form, FIR copy, tax receipt, Aadhar card, fitness certificate, policy papers, and route permit.

Conclusion

Various types of motor vehicle insurance play a vital role in ensuring personal and public safety on the roads. For example, private car insurance, while not obligatory, offers extensive security against various damages and liabilities, enhancing peace of mind. By understanding the nuances of the different types of motor insurance policies and choosing the right coverage, you can secure your well-being and contribute to safer road experiences for everyone. Remember to choose a policy based on your budget and usage.

Have you ever wondered how cars and other vehicles smoothly glide over bumpy roads without rattling everyone inside? Well, the secret lies in their suspension systems! In India, different types of suspension systems play a vital role in ensuring a comfortable and safe ride. But what exactly are these suspension systems, and how do they work? Let’s find out.

What are the different types of suspension systems in India?

1. Leaf Spring Suspension 

It is a simple form of suspension that uses several metal strips, called leaves, stacked on each other to absorb shocks and vibrations from the road. It gets commonly used for heavy vehicles like trucks and buses, but some cars in India also have leaf spring suspension, especially in the rear axle. 

2. Trailing Arm Suspension

It is a type of independent rear suspension system for cars that uses a large, horizontal arm to connect the wheel hub to the vehicle frame. The arm pivots at one point, ahead of the wheel, and allows the wheel to move up and down with the road surface. 

3. Non-Independent Suspension

This vehicle suspension connects both wheels on the same axle with a solid beam or bar. This means the other wheel tilts slightly when one wheel moves up or down due to a bump or pothole. It is suitable for handling heavy loads and navigating challenging roads.

4. Independent Suspension

This type of vehicle suspension entails an enhanced damping effect. There is no link between the movement of the right and left wheels, which allows the vehicle to move independently. The structure is a bit complex as the layout of dampers and springs differs considerably with distinct categories of independent suspensions.

5. Double Wishbone Suspension

It is a type of suspension where the wheels get mounted on two arms, usually of unequal length, along with a coil spring and shock absorber. It is used in sports cars and luxury cars, as well as some trucks and SUVs. It offers great handling, stability, and control at high speeds because it has a low centre of gravity and allows each wheel to react independently from the others. 

6. MacPherson Strut Suspension

It is a type of front suspension system that uses the top of a shock absorber as the upper steering pivot for the wheel. It consists of a coil spring, a shock absorber, and a control arm that connects the wheel hub to the chassis. It allows the wheel to move up and down independently of the other wheels, improving ride comfort and handling. 

7. Air Suspension

This vehicle suspension system uses airbags or bellows instead of conventional or leaf springs. It provides better ride comfort, handling, and load-carrying capacity by adjusting the air pressure in the airbags according to the road conditions and vehicle load.

8. Multi-Link Suspension

It is a type of independent suspension that uses multiple linkages to control the movement and alignment of the wheels. It offers better handling and ride comfort than non-independent suspension, as it can isolate the effects of bumps and corners on each wheel. Multi-link suspension is also more adaptable and adjustable, as it allows fine-tuning of the suspension geometry and characteristics.

How does a car suspension system work?

A car suspension system comprises springs that can retain the kinetic energy produced by friction when the vehicle moves on a rough road at high speeds. Subsequently, this stored energy gets transferred to the dampers, where it converts into heat energy. 

The fluid within the dampers efficiently disperses this energy, preventing overheating issues. As a result of the coordinated action between springs and dampers, you can experience optimal safety and comfort during your ride. Even though suspension offers enough stability control, buying car insurance is recommended to overcome any financial challenges arising from a road mishap.

With car insurance, you won’t have to worry about bearing the full financial burden if something goes wrong. It is a type of coverage that protects you and your vehicle in case of accidents, theft, or damage. It acts like a safety net for your vehicle. However, this safety net has an expiration date. We recommend you learn about its expiration date and remain prepared to renew it. So, it’s always smart to have car insurance to safeguard your wheels and your wallet. Here, we will help you check your car insurance expiry date.

Checking insurance expiry of your car

Here, you can learn how to check car insurance expiry date using various methods:

Checking Using Information Bureau For Insurance

If you are wondering how to check car insurance expiry date online, one method is to use the Information Bureau for Insurance. It entails visiting the bureau’s website and entering the necessary information about your vehicle. Once you submit the details, you can view the policy information, including the expiry date of your insurance. If there is no active policy, you can also access any previous relevant policy details. If you cannot find the necessary information, try searching using your vehicle’s engine or chassis number. Checking through the Information Bureau for Insurance provides a convenient way to stay updated on the status of your car insurance.

Checking Using VAHAN E-Service

You can follow these steps if you need to learn how to check car insurance renewal date using VAHAN E-service. These steps include:

• Visit the website for VAHAN e-services.
• Look for the option “Know Your Vehicle” and click on it.
• Enter the verification code and your car registration number as prompted.
• Select “Search Vehicle” to proceed.
• It will display the insurance expiration date and other relevant information about your car.

The cost of fuel is a significant expense for vehicle owners worldwide. A high average fuel economy translates to lower expenditures on petrol or diesel, ultimately leading to increased overall savings. Conversely, vehicles with low mileage consume fuel at a faster rate, necessitating more frequent refills and subsequently raising costs. It is important to note that car mileage influences your car insurance as well. Car insurance companies consider your yearly mileage when determining your premiums. Thus, knowing which car has highest mileage will help in finalising your choice.

Top 10 Best Mileage Cars in India

Knowing which car gives best mileage will help you choose the best value car. But before you make that all-important choice, let’s look closely at the vehicles offering the best mileage in India. We have curated a list by segregating the cars based on their petrol, diesel and electric variants.

Best Mileage Petrol Cars in India

1. Bajaj Qute (RE60) | Mileage: 35 kmpl

This versatile machine showcases impressive performance figures. It boasts an efficient fuel economy of 35kmpl on petrol and an impressive 43km/kg when running on CNG.

2. Maruti Celerio VXI AMT | Mileage: 27 kmpl

The Maruti Celerio VXI AMT offers an impressive, certified mileage of 27 kmpl. In city driving conditions, the mileage decreases to 19.02 kmpl.

3. Maruti Suzuki Dzire AMT | Mileage: 24 kmpl

The Automatic Petrol variant delivers a mileage of 22.61 kmpl. The Manual Petrol variant is equally efficient, providing a mileage of 22.41 kmpl. In the Manual CNG variant, the mileage is an impressive 31.12 km/kg.

4. Datsun Redi-GO AMT | Mileage: 22 kmpl

The Automatic Petrol variant provides a mileage of 23.0 kmpl, while the Manual Petrol variant offers a slightly lower mileage of 22.7 kmpl.

Best Mileage Diesel Cars in India

Diesel car presence in the automotive industry is almost 17 per cent (April 2023). Knowing which car gives best mileage will help you choose the best value car that provides great value for your car insurance.

5. Hyundai Aura SX | Mileage: 25 kmpl

The Hyundai Aura CNG versions have an impressive mileage of 25 kmpl. On the other hand, the Petrol version stands at 19.25 kmpl. These figures can vary based on driving conditions and individual driving habits.

6. Tata Altroz | Mileage: 25 kmpl

The Manual Diesel offers an impressive 23.64 kmpl mileage, while the Manual Petrol provides 19.33 kmpl. For those preferring Automatic Petrol, it offers a respectable 18.5 kmpl.

7. Hyundai Grand i10 Nios | Mileage: 20 kmpl

The Manual Diesel and Automatic Diesel variants both deliver an efficient mileage of 26.2 kmpl. Similarly, the Manual Petrol and Automatic Petrol variants offer a commendable mileage of 20.7 kmpl.

Motor insurance coverage is generally of two types — comprehensive coverage and third-party liability or liability-only coverage. Third-party liability coverage is mandatory under Motor Vehicles Insurance Act.

In this blog, we will understand in detail what is a liability only policy in motor insurance is, its features, the types of vehicles covered, the extent of coverage, and its exclusions.

What is Liability Only Cover in Motor Insurance?

Let’s start by defining what a liability only policy is.

Liability Only insurance coverage is a mandatory policy in India, required by law. It provides protection for third parties involved in accidents caused by the insured.

With this policy, your vehicle’s loss or damage will not get covered. It is a cost-effective option compared to full coverage, as the premium is lower, and the coverage is limited to third-party individuals and their property.

This type of car insurance is also known as “Act Only Cover.” The policy can get extended to cover additional risks, like personal accidents for occupants or workers' compensation for the driver.

Features of Liability only cover in Motor Insurance

Let’s take a closer look at the features offered by this category of vehicle insurance.

Types of Vehicles Covered

Liability Only insurance in motor insurance is not limited to specific vehicle types. It covers a range of vehicles, including private vehicles, two-wheelers, and commercial vehicles. It also applies to goods-carrying vehicles like public and private carriers, as well as passenger-carrying vehicles.

Cover for Third Party Liability

Third-Party Liability insurance covers any legal liabilities resulting from accidents involving the insured vehicle. The insurance provider will compensate for total permanent disability, injury, death, or property damage a third party suffers. Therefore, it ensures financial protection for the insured against such liabilities.

Personal Accident Cover

Liability Only insurance in motor insurance often includes Personal Accident Cover. For commercial and private vehicles, the coverage can go up to INR 2,00,000, while for two-wheelers, it is up to INR 1 lakh. This coverage provides financial assistance in case of accidents, personal total disability, or the death of the driver/owner.

A comprehensive car insurance plan is ideally the best as it provides coverage for own damage as well as third-party liabilities. But it also comes at an increased cost as compared to third-party insurance plans. This is where third-party fire and theft insurance comes in.

In this blog, we will understand third-party fire and theft insurance and its inclusions and exclusions.

What is Third-Party Theft & Fire Insurance Policy?

A third-party fire and theft insurance policy safeguards you against potential damages caused to others and shields your vehicle in the unfortunate events of fire or theft.

Hence, it provides greater coverage than third-party insurance. It is also a more comprehensive choice as compared to just third-party car insurance.

Inclusions of Third-Party Theft & Fire Insurance

When you opt for a third-party fire and theft insurance policy for car insurance, you’re not just protecting yourself from the potential harm your vehicle may cause to others, but also you protect your vehicle in case of theft or fire. The “third-party” aspect refers to the coverage provided for any damage or injuries caused to someone else or their property due to an accident involving your vehicle. This can include medical expenses, repair costs, or legal fees that could arise from such incidents.

In addition to the third-party coverage, this policy also includes protection against specific risks, namely fire incidents and theft. If your car is damaged or destroyed by fire, you can make a claim to cover the cost of repairs or the market value of the vehicle. Likewise, if your vehicle gets stolen, the insurer will compensate you based on the car’s market value.

If you have a car, you take great care of it. However, accidents can still happen due to other drivers on the road. Hence, we recommend you have car insurance. In addition to regular maintenance and safe driving practices, car insurance provides financial protection in case of accidents or theft. While car insurance policies offer coverage for various scenarios, additional options, such as GAP insurance and Return to Invoice (RTI) coverage, are available to enhance your coverage. Here, we will explore what GAP insurance is and the advantages it offers.

Meaning of GAP Insurance

GAP insurance, short for Guaranteed Asset Protection, is optional coverage for car insurance policies. It is not currently available in India but gets commonly offered in other countries. GAP insurance works best when purchased alongside collision insurance or comprehensive insurance policies. This coverage comes into play if your car is stolen or deemed a total loss due to an accident.

When a car is purchased, its value starts depreciating immediately. In the first year alone, the value of a car can depreciate by up to 20%. If your vehicle gets stolen or declared a total loss, the insurance company will typically compensate you based on the car’s depreciated value. However, if you have a loan or lease on the car, there may be a gap between the amount owed and the insurance payout.

Here GAP insurance comes in handy. It covers the difference between the amount owed on the loan or lease and the car’s current value. While collision or comprehensive insurance policies provide compensation based on the car’s current value, GAP insurance bridges the gap between the current value and the amount owed, protecting you from financial loss.

Return to Invoice

Although GAP insurance is not available in India, a similar concept called Return to Invoice (RTI) cover can get added to your existing comprehensive car insurance policy. RTI cover proves to be extremely useful in various scenarios.

In the unfortunate event of your car being stolen or damaged beyond repair, the RTI cover comes to your rescue. When you file a claim with RTI cover, the insurance company compensates you with the original invoice price of the car rather than the current market value that includes depreciation.

For instance, if your car is stolen and remains untraceable, a claim on your car insurance policy can have different outcomes. Without insurance coverage, you would face a total loss without compensation. If you have third-party insurance, you won’t receive any compensation. However, with comprehensive car insurance, you are entitled to receive compensation, but it is based on the current market value of the car, adjusted for depreciation.

The best-case scenario is when you opt for an RTI cover. In such cases, the insurance company will pay you the exact invoice price of the car, ensuring that depreciation does not eat into your compensation.

Accidents happen, and when they do, collision insurance becomes your shield against the financial burden of repairing your damaged vehicle. While this insurance is optional if you own your vehicle, it becomes a requirement if you have a car loan or lease. Lenders and leasing companies necessitate this insurance to protect their financial investment should the vehicle be totalled in an accident.

It’s important to note that this insurance has its limitations. Understanding the coverage and limitations of this insurance empowers you to make informed decisions about your auto insurance needs.

In the following sections, we will discuss everything you should know about this type of insurance.

What is Collision Insurance?

When an accident occurs, this type of car insurance becomes crucial in safeguarding against the financial burden of physical damage to the insured vehicle.

The deductible is a significant factor in collision insurance claims. It refers to the amount subtracted from an insurance claim. For instance, if you have INR 35,000 deductible and your car repair expenses after an accident amount to INR 2,00,000, you will receive an insurance cheque for INR 1,65,000 (INR 2,00,000 – INR 35,000 = INR 1,65,000).

When purchasing this insurance, policyholders can choose their deductible amount. Opting for a higher deductible generally results in lower car insurance rates as the insurer’s payout decreases if a claim gets filed.

When making a claim on your insurance, you will receive a cheque for the repair costs after deducting the chosen deductible. If the other driver is at fault, your insurer might attempt to obtain a refund of the deductible through a process called “subrogation,” which varies in duration depending on the State of your residence.

Alternatively, if the accident is the other driver’s fault, you can make a claim against their liability insurance.

You are in the right place if you have ever wondered how far your car can go on a litre of fuel. Calculating a car’s mileage is an essential skill that helps you understand its fuel efficiency. By knowing your car’s mileage, you can make informed decisions about refuelling, plan your trips better, and even save money on fuel costs. Let us explore the simple steps you need to follow if you want to know how to find the mileage of a car.

How to Determine the Mileage of A Car?

To calculate the mileage of a car, follow these steps:

1. Fill up the fuel tank

First, ensure that you fill your car’s fuel tank entirely, taking note of the quantity added in litres. This step is crucial for obtaining the most precise fuel consumption and mileage measurement.

2. Check the reading of the odometer

Start by noting down the current reading on your car’s odometer. Then, drive for a certain distance. Check the new reading on the odometer. Subtract the initial mileage from the latest reading to determine how far you travelled. You can calculate your car’s mileage by dividing this distance by the fuel you used.

3. Drive as usual

When you drive normally without significantly changing your driving habits, you get a more accurate representation of your car’s average fuel efficiency. Keeping your driving style consistent and avoiding unnecessary routes eliminates any factors that could skew the mileage calculation. 

4. Refuel your car

When you fill up the fuel tank, you have a known quantity of fuel to start with. Track the distance you travel before refuelling again, and divide it by the amount of fuel you added to determine your car’s mileage. Regular refuelling and recording these numbers over time allow you to calculate the average mileage and understand how efficiently your vehicle uses fuel.

5. Do the math

Doing the math in calculating car mileage involves determining the average distance the car can travel per unit of fuel consumed. This calculation helps assess the car’s fuel efficiency, enabling informed decisions regarding fuel consumption and trip planning.

6. Check periodically

By recording the mileage regularly, you can track the distance your car has travelled. Periodically noting down the odometer reading and the amount of fuel you have added allows you to calculate the mileage over a specific period. This helps you monitor any changes in fuel efficiency and identify potential issues with your car’s performance.

Two popular types of car insurance policies are Comprehensive insurance and Zero Depreciation insurance.

Both have their own set of benefits and limitations, and it can be confusing to choose between the two. In this article, we'll be comparing comprehensive insurance and zero depreciation insurance, so you can make an informed decision when buying car insurance.

This article will help you understand the difference between Comprehensive and Zero Depreciation insurance and determine which one is better for you.

Comprehensive Insurance vs Zero Depreciation:

Conclusion

In conclusion, comprehensive insurance and zero depreciation insurance are two different types of car insurance with their own set of benefits and limitations.

When choosing between the two, it is essential to consider the age of your car, the type of coverage you require, and your budget. If you have a brand new car, comprehensive insurance is a better option as it offers a more comprehensive coverage at a lower premium.

On the other hand, if your car is more than 5 years old, zero depreciation insurance is a better option as it offers coverage without considering depreciation. Regardless of the type of insurance you choose, it's important to have adequate car insurance coverage to protect yourself and your car from unforeseen events.

When choosing a car insurance policy, two popular options that you may come across are Zero Depreciation and Return to Invoice (RTI) insurance. In this article, we will explore the differences between Zero Depreciation and RTI car insurance.

Difference between Zero Depreciation and RTI Car Insurance:

Conclusion

In conclusion, Zero Depreciation and RTI car insurance both have their own set of benefits and drawbacks. Zero Depreciation insurance provides full coverage for the repair or replacement of damaged parts without considering depreciation. On the other hand, RTI insurance covers the cost of repair or replacement, along with the depreciated value of the vehicle.

The premium for Zero Depreciation insurance is higher compared to RTI insurance. It is best suited for newer vehicles with a higher value, whereas RTI insurance is more suitable for older vehicles with a lower value. Before choosing between the two, it's important to carefully evaluate your needs and budget. You can also consult with your insurance provider to find the best option for your specific circumstances.

As a car owner, dealing with the aftermath of an accident can be a daunting task. In today's fast-paced world, time is of the essence, and nobody wants to spend hours dealing with car repairs.

With ICICI Lombard’s car insurance, you can now avail an end-to-end doorstep service that comes to your rescue in case of an accident and you want to raise a claim, and get your car repaired.

With this service, you won't have to worry about the time and effort it takes to get your vehicle inspected, repaired, and back on the road. Our dedicated team will take care of everything from the moment you call us, to the moment your vehicle is returned to you.

Here’s how it works

• Call 18002666 instead of going to a garage. Once you call us to report an accident and ask for doorstep cashless claims service, you'll be assigned a dedicated Claim Manager.
• A well-trained field-executive, or a ‘Claim Buddy’ as we call them, will visit your location at a time that works for you, to pick up the damaged vehicle, and help you complete on-the-spot car inspection.
• The Claim Manager will reach out to you to provide an instant claim assessment and be your 'single point of contact' for all your queries related to claim and repairs.
• Once you provide approval to the Claim Assessment (Estimated repair assessment including cashless and out-of-pocket expense, if any), the Claim Buddy will take your car to the nearest partner-workshop.
• The Claim Manager will ensure that your vehicle is properly repaired on priority, nicely cleaned, and dropped off at your location at the earliest in its pre-accident state.

Some of the other highlights of this service are -

• You can contact and track your Claim Buddy during car pick-up and drop-off.
• You will also receive regular updates regarding your car repairs on WhatsApp.
• The repair work is assured for 2 years or 10000 kms, whichever is earlier.

How can you avail the doorstep cashless claims service?

This service is currently available only in Mumbai, Hyderabad, Bangalore and Pune. We are working tirelessly to expand this service to pan India.

All you need to do is call ICICI Lombard's toll-free number 1800 2666, or use our IL Take Care app (Download here), or log on to our website.

In conclusion, ICICI Lombard's new service feature is a game-changer in the car insurance industry. With AI-powered claim processing and a dedicated team of a Claim Manager and a Claim Buddy, you can be assured of quick and hassle-free cashless claim settlement and car repairs, all from the comfort of your home.

The first stage to becoming obsessed with cars or owning one is understanding the fundamentals. When buying a car, the first element you may want to consider is the type of vehicle that will best meet your requirements. Knowing the different car types available in the Indian automobile market will increase your chances of finding your ideal car.

The current car market in India offers a wide range of choices. We have anything you can think of, including hatchbacks, sedans, MUVs, SUVs, convertibles, coupes, and pickup trucks. But with so many sizes, shapes, and designs, it can take time to choose the ideal vehicle.

In order to facilitate your journey, we have comprehensively explained the different car body styles in India and made a list of the most popular cars in each category.

Types of Cars in India

One of the difficult choices you might have to make during the buying process is what kind of car to buy.

• If you live in a rural region without traffic congestion, you can choose a big car with enough room for your needs.
• Those living in cities must be concerned about traffic, mainly if they rely on a vehicle for both their daily commute and weekend excursions.

Most significantly, one should also consider the car user’s family. Although there are countless ways to categorise vehicles based on their bodies, we have limited the list to a few famous types of car bodies in India. You can choose the best car for your requirements with the help of this succinct description of car body styles.

Hatchback

• The most ubiquitous form of vehicle in India is a hatchback. A small car with four doors and a boot is called a hatchback. It's best to seat only four persons at a time for greater comfort.
• Fuel economy is one of the many benefits of a hatchback, and it scores high on this count. Hatchbacks give superior mileage than other vehicles because they are compact and lightweight.
• The most congested city streets, where car dimensions are a significant consideration for all vehicles, are best suited for hatchbacks.
• Parking in most places can be a nightmare, and hatchbacks are the best car models for parking convenience.
• A hatchback’s tiny boot room is one of its drawbacks, making these vehicles unsuitable for transporting large amounts of luggage.
• The Tata Indica, Maruti Alto, Hyundai i10, Maruti Swift, Ford Figo, etc., are some of India’s top hatchbacks.

Sedan

• Another segment that is very popular in the Indian industry is sedans. These vehicles are perfect for families because they provide enough room for all needs.
• A sedan has four passenger doors and one for the boot, similar to a hatchback. The boot space in sedans is significantly more extensive and accommodates luggage of various sizes.
• Manufacturers occasionally add boot space to existing hatchback cars to turn them into sedans. One of the best instances of this conversion is the Maruti Swift Dzire.
• In general, sedans are considered more elegant than hatchback automobiles. There are countless high-end cars on the market today that are both fashionable and cosy.
• Many subvariants are within the sedan category, and automakers are constantly introducing new body styles.
• Ford Fiesta, Mahindra Verito, Hyundai Verna, Honda Amaze, etc., are a few of the best sedans on the Indian market.

Compact Sedan

• The car market in India is complicated, and customers’ needs can occasionally vary from those in other nations. People buying compact sedans receive tax rebates from the Indian government.
• These vehicles are less than four meters long.
• Indian automakers created car body styles that are unique to India to reap the benefits of the pricing element. One such exclusive vehicle is the compact sedan.
• Although these vehicles have four doors and a boot, they have much less room than a typical sedan. Tata Motors is the first company to reduce the length of the Indigo to create India’s first compact sedan, the Indigo CS (short for Compact Sedan).
• Some of India’s top compact sedans are Honda Amaze, Suzuki Dzire, Hyundai Xcent, and Tata Tigor. 

Coupe

• A two-door vehicle with a slanted roofline and a sporty posture is called a coupe. The majority of these coupes have a strong motor and either have two seats or two additional smaller rear seats.
• Four-door coupes are available nowadays, but their sporty traits have stayed the same.
• Most Indian drivers do not favour this type of vehicle, but international car manufacturers are marketing them to a select group of motorists in India.
• Coupe cars can reach triple-figure speeds in a few seconds because they are typically high-performance.
• Some of India’s top coupes are Ford Mustang, Audi R8, and Mercedes Benz GLE Coupe.

In India, driving under the influence of liquor or drugs is considered a criminal offence and is punishable by law. If drugs get detected in the driver’s blood sample test, it will be a punishable offence, and the person will have to pay a drink driving penalty. In this article, we will discuss the fines and penalties for drunk driving in India and the process for paying these fines. The article also emphasises the importance of avoiding driving under the influence of alcohol or drugs. The legal drinking age in India varies from state to state, but the drinking and driving rules are the same across the country. It is essential to drive safely and responsibly to ensure a safe and smooth ride for everyone on the roads.

What is the Fine for Drunk Driving in India?

According to Section 185 of the Motor Vehicles Act, if a driver has more than 30 mg of alcohol in a sample of 100 ml of blood, it is considered a punishable offence. A drunk and drive fine will be applied accordingly. The fine for a first offence can be up to Rs 10,000; repeat offenders may face imprisonment for up to two years and a fine of up to Rs 15,000. These penalties are the same for all vehicles.

It is important to avoid driving under the influence of alcohol or drugs, as it can lead to serious consequences, including injury or death. To prevent drunk driving, individuals can plan by not drinking if they know they will be driving, booking a cab or autorickshaw, staying overnight with a friend or relative, picking a designated driver, and leaving their car at home.

It is also essential to be aware of the legal drinking age in different states in India and to drink responsibly to avoid the drink and drive penalty.

The legal drinking age in India varies from 18 to 25 years, depending on the state. Some states have banned alcohol entirely, while others have a legal drinking age of 25 years. Most states have a legal drinking age of 21 years. However, the drinking and driving rules, including the drunk driving penalty, are the same for all states, and it is illegal to drive under the influence of liquor or drugs.

The term “Green Tax,” which also refers to environmental or pollution taxes, is an excise duty imposed on products that pollute the ecosystem. The economic theory claims that by incentivising households and businesses to adopt pollution-reduction practices, levies on emissions that create pollution will lessen the harm done to the ecosystem. Pollution is the expense of producing goods that the producer or polluter does not bear. Polluters who endanger the lives of other people and the environment are subject to vehicle green tax.

Indirect taxes on alternative policies or associated products like accepted technology standards can cut pollution, but they might be costly. For instance, increasing the price of gas does not encourage drivers to maintain their cars' pollution-control systems. Since such taxes encourage polluters to reduce pollution, carbon taxes are economically advantageous.

What is Green Tax?

Due to the emissions from their outdated engines, which pollute the environment, older vehicles in the country are subject to a Green Tax. As a result, the Green Tax is a fixed fee that owners of vehicles must pay on their outdated cars.

• This tax applies to both household and commercial vehicles. The amount of the Green Tax varies by state and depends on the type of car as well.
• Older cars negatively impact the environment by releasing gases or smoke. This also significantly increases pollution. Large trucks transporting goods from one place to another also add to air pollution. Since the Indian government has placed a Green Tax on older vehicles, it is imperative to limit their use.
• A higher Green Tax is applicable to vehicles registered in heavily polluted regions like Delhi.
• The Green Tax, implemented to lessen pollution, only applies to gasoline and diesel vehicles. It does not apply to vehicles that run on electricity, compressed natural gas, or ethanol.
• The government uses the funds raised from the Green Tax to construct facilities for measuring emissions. The Green Tax should encourage the country’s people to switch to cleaner vehicles.

Why and When is Green Tax Levied on Vehicles?

Given the quickly deteriorating state of our environment, the government has decided to take action to reduce pollution levels. The Green Tax, which levies a fee on vehicles that don’t meet specific requirements, is one such measure. The Indian government is contemplating imposing a green tax on vehicles at the time of renewal of their registration documents. The owner will therefore be liable for any environmental harm. Over-eight-year-old commercial and more than 15-year-old privately owned vehicles will be subject to vehicle green tax.

There is a Green Tax imposed on those who drive polluting vehicles. Old cars with older motors are more likely to generate heavy pollution. The Green Tax acts as a behavioural restraint on people who continue to ignore global warming and drive polluting vehicles.

The tax is a tool for encouraging people to upgrade to more ecologically friendly technology or, at the very least, vehicles with a more negligible impact. Numerous companies are currently developing two- and four-wheel vehicles with reduced pollution levels. Sales of electric scooters are rising as more people realise how important it is to transition to better forms of transportation. The Green Tax initiative seeks to promote and facilitate scooter users’ transition to greener models.