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

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

List of different types of electric cars

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

1. BEV: Battery Electric Vehicles

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

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

BEVs bring many advantages to the table:

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

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

2. PHEV: Plug-In Hybrid Electric Vehicles

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

Some of its benefits include:

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

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

3. HEV: Hybrid Electric Vehicles

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

Some benefits of HEVs include:

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

Honourable Mention: FCEV: Fuel Cell Electric Vehicles

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

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

Conclusion

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

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

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

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

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

Various types of Li-ion batteries used in EV cars

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

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

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

1. Lithium Nickel Manganese Cobalt Oxide (NMC)

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

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

2. Lithium Nickel Cobalt Aluminum Oxide (NCA)

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

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

3. Lithium Iron Phosphate (LFP)

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

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

4. Lithium Titanate Oxide (LTO)

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

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

5. Lithium Manganese Oxide (LMO)

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

• High operating voltage: LMO batteries can provide high voltage, improving acceleration in EVs.
• Safe and reliable: LMO batteries have good thermal stability, are relatively safe, and fast charging, making them reliable.

6. Lithium-sulfur batteries (Li-S)

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

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

Conclusion

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

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

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

Updated on - 05 Jan 2026

The right engine can change your whole riding experience. In India, people usually debate between V4 and Inline-4 engines, but each engine has its unique speciality. V4 engines, with their “V” cylinder setup, offer more power and better balance, making them favourites on race tracks. Inline-4 engines, set in a straight line, are simpler, fuel-efficient and easier to maintain, ideal for everyday rides.

Understanding these key differences helps you pick the perfect bike that matches your requirements. Read this blog to know the major differences between these two engine types and decide which one is best for your vehicle.

What is a V4 engine?

A V4 engine is created with four cylinders set up in a neat V-shape. It has two sides, or “banks,” with two cylinders on each side. This layout makes the engine shorter and more compact than an inline-four engine. V4 engines are not very common in cars but are used in some motorcycles and a few compact vehicles. The engine offers a smoother, wider spread of power and torque. It revs faster, too, which means it can produce more power across a broader RPM range, making it both quick and versatile on the road.

Advantages of the V4 engine

Here are some of the advantages of the V4 engine:

● Compact design

A V4 engine is small but gives good power. It fits all the parts tightly without wasting space, unlike inline-four engines that have empty gaps. This smart design makes the V4 more space-saving.

● Strong structure

The V4's small size makes it very strong. It can handle the stress from braking, turning and speeding up. Because the engine is so strong, the bike's frame can be lighter. That's why bikes like the Ducati Panigale V4 feel steady and fast on the track.

● Better balance

Since the V4 engine is compact, designers can put its weight right in the centre of the bike. This helps the bike stay balanced, making it easier to control at high speeds.

● More power

The V4 engine makes more power, especially at higher speeds. Its shorter crankshaft helps it produce strong performance across a wider range of speeds.

● Smoother ride

The V4 runs very smoothly with less vibration. This makes your ride feel more comfortable and stable, especially when you're going fast.

What is the Inline-4 engine?

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

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

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

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

What are the advantages of an Inline-4 engine?

Here are some of the key advantages of an Inline-4 engine:

• Lightweight: The engine is compact and doesn’t occupy much space. It is lighter because it has fewer parts and just one exhaust pipe.
• Fewer moving parts: With only one cylinder head, there are fewer parts moving inside. Thus, less energy is wasted, and there are fewer chances for things to break.
• Balanced performance: The pistons move in pairs that face each other, allowing the engine to run smoothly and reducing shaking while driving.
• Easy maintenance: The spark plugs and valve train are easily accessible, making servicing straightforward.
• Low-cost: Inline-4 engines are less expensive to manufacture and more fuel-efficient, making them ideal for everyday cars and motorcycles.

Fuel efficiency and maintenance differences

Inline-4 engines are simple and thrifty, while V4 engines are powerful but need a bit more care.

• Inline-4 engines are typically more fuel-efficient due to their simple design and fewer moving parts. This means less energy is wasted, which helps save fuel in normal driving. Maintenance is also easier and less expensive for Inline-4 engines, as they have fewer components to fix or replace.
• V4 engines may use a bit more fuel, mainly because their design is more complicated and features more moving parts. They often give you more power and work well at different speeds, which is why they’re popular for sporty bikes and performance cars. However, because they have extra parts, maintenance can be more challenging and costlier in the long run.

V4 vs. Inline-4 engine: Which is best

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

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

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

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

V4 and Inline-4 engine bikes: Popular models in India

Here is a list of popular V4 and Inline-4 engine bikes in India:

V4 engine bikes popular in India:

• Ducati Panigale V4
• Ducati Panigale V4 R
• Ducati Streetfighter V4
• Ducati Multistrada V4
• Norton V4SV (expected to be launched)
• Norton V4CR (expected to be launched)

Inline-4 engine bikes popular in India:

• Kawasaki Ninja ZX-4R (399cc, Inline-4)
• Kawasaki Z900 (948cc, popular naked bike)
• Honda CB650R (649cc, neo-retro design)
• Kawasaki Ninja ZX-10R
• Suzuki Hayabusa (legendary sportbike)
• Honda CBR650R

Why engine type matters when choosing bike insurance

The type of engine your bike has plays a big role in your insurance costs. Insurance companies check engine size, power and design before setting your bike insurance policy premium.

Vehicles with powerful engines, such as V4s, usually cost more to insure because they pose a higher risk and have higher repair costs. In contrast, vehicles with Inline-4 engines are simpler and less expensive, so insurance is often more affordable.

To get the best value and protection, opt for a comprehensive car insurance plan or bike coverage that factors in your vehicle’s engine type and offers balanced coverage at a fair cost.

Conclusion

Choosing between a V4 and an Inline-4 engine affects how your bike rides and can also impact your costs. V4 engines offer more power and a lively feel, but they are more expensive to maintain. Inline-4 engines waste less fuel and are easier to maintain, making them great for daily rides. Knowing your engine type is also important for buying an insurance plan for your bike or car. Vehicles with powerful engines may have higher premiums.

Prefer the one that best fits your needs and budget. This way, you can enjoy riding without surprises on your bills or insurance. To learn more about the most suitable bike and car insurance online, fill out the form on this page.

FAQs

1. Which engine is better for daily riding?

Inline-4 engines are better for daily use because they are more fuel-efficient, easier to handle and more economical.

2. Do V4 engines produce more power?

Yes, V4 engines usually produce more peak power and have a broader power band than Inline-4 engines.

3. Why are V4 engines more expensive to maintain?

V4 engines have two cylinder banks, which makes them more complex, with two sets of cams, heads and valves, which increases maintenance costs.

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.

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

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

List of various types of car scratches

The following are the types of car scratches.

1. Clear-coat scratches

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

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

How to fix clear-coat scratches:

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

2. Paint scratches

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

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

How to fix paint scratches:

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

3. Paint transfer scratches

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

How to fix paint transfer scratches:

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

4. Primer scratches

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

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

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

How to fix primer scratches?

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

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

Conclusion

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

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

Updated on - 5 May 2026

Knowing the differences between licence types is important when driving a vehicle in India. Motorcycles with Gear (MCWG) and Light Motor Vehicles (LMV) are popular groups that can often confuse people. If you are considering buying a vehicle, having a thorough understanding is especially necessary. This blog explains what these are and compares the LMV and MCWG driving licences and insurance.

What Is the Difference between the MCWG and LMV Driving Licences?

An MCWG is any two-wheeled vehicle with a manual gear drive. They are typical bikes that require gear changing while riding. On the other hand, LMVs include smaller four-wheelers like cars, jeeps, and vans. The LMV is split into two categories: LMV-NT (non-transport) for personal use and LMV-TR (transporters) for commercial transportation.

The licensing requirements for MCWG and LMV highlight their characteristics. Here’s a comparison of MCWG and LMV driving licences:

Insurance for MCGW vs LMV

Both MCWG and LMV follow similar insurance standards, though rates and policy details may vary. Here are the basic insurance options:

Mandatory third-party insurance

Both vehicle types require this basic coverage as required by law. It guards against injuries to third parties, damage to third-party property, and legal obligations arising from crashes.

Comprehensive insurance

Comprehensive car insurance is a type of coverage that includes third-party risk protection, coverage for car theft, protection against nature disasters, and coverage for crashes and man-made mishaps

Both vehicle types can gain from extra security choices like the following:

• Roadside help
• Engine safety
• Zero depreciation coverage

Conclusion

Whether you ride a motorbike or drive a car, understanding the differences between LMV and MCWG licences and their insurance requirements is important. Both require proper training, paperwork, and insurance coverage to ensure compliance with legal regulations and road safety.

You should consider the fact that having basic third party car insurance coverage might not be sufficient. While it is legally mandatory, choosing a comprehensive two-wheeler or car insurance policy can be better suited to ease your financial burden in the event of an adverse situation. It covers damage to your vehicle and guards against theft, natural disasters, and crashes.

FAQs

1. Can you drive a geared motorcycle with an LMV licence?

No. Riding a motorbike, whether gearless or geared, is prohibited by law if you only possess an LMV licence. You will need an MCWG licence designed especially for two-wheelers with gears in order to ride a geared bike freely.

2. Is comprehensive insurance necessary for both MCWG and LMV vehicles?

Although it is not required by law, purchasing a comprehensive insurance policy is a good idea for both kinds of vehicles. Beyond third-party liabilities, it provides broader protection against theft, natural disasters, and damage to your own vehicle.

3. Do insurance premiums differ between MCWG and LMV vehicles?

Yes, the type of vehicle, engine capacity, age, and usage are some of the variables that affect premiums. Due to higher repair expenses and overall vehicle value, LMV insurance premiums are often higher than MCWG.

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. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Seeing your car damaged can be quite discouraging, whether caused by a parking lot mishap, hailstorm, or unlucky contact with a shopping cart. Understanding the various types of car dents can help you communicate with your technician and identify a successful repair method.

Various types of car dents

Every automobile owner fears discovering a dent in their vehicle. They might emerge spontaneously or as a result of known incidents. Promptly identifying and repairing dents keeps your vehicle looking attractive and can help prevent significant damage to the outside over time. Here are some types of car dents every car owner should know about.

1. Creased dents

These unusual dents have an extended and linear look. Creased dents are caused when an item often contacts your vehicle and drags over the surface. Common causes include tree branches rubbing against your car, narrow parking places with walls or poles touching your vehicle, and acts of vandalism. Experts need to care for these dents because of their complexity.

2. Sharp dents

Powerful, targeted impacts cause sharp dents. Car doors being fling open into your vehicle, flying pebbles, or even runaway shopping trolleys cause these damages. While they may look modest in diameter, their depth makes them very difficult to repair.

3. Round dents

Round dents frequently occur as automotive damage. Their round shape and consistent appearance distinguish them. The good news is that mechanics usually find them the easiest to fix, especially shallow ones. Some small circular dents may be repaired at home, but experts always suggest a professional evaluation.

4. Multi-point or extreme dents

Severe collisions generally create multi-point dents and damage in multiple locations with no uniform pattern. Due to their irregular nature and possible underlying harm, these dents require immediate professional attention.

Conclusion

While some tiny dents may appear entirely ornamental, they can cause paint damage, rust accumulation, and possibly more significant structural difficulties over time if left untreated. Whether you have a basic circular ding or a complicated multi-point damage, consultation with skilled auto body professionals guarantees the right evaluation and repair, which helps maintain your car's appearance and value.

You must understand your car insurance coverage alternatives when dealing with car dents. Comprehensive coverage often covers dents caused by hail damage, falling items, or vandalism, whereas collision coverage addresses dents caused by accidents with other vehicles or objects. An appropriate policy can also provide financial protection during unforeseen events like accidents, damage, and theft.

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.  

Are you looking to elevate your luxury car to new heights? Accessories can elevate your driving experience while adding practicality and refinement to your automobile. Here's a curated list of some of the best luxury car accessories that blend design, comfort, and functionality.

List of best luxury car accessories

When it comes to premium vehicles, every detail counts. A luxury car is more than simply a mode of transportation; it's a statement of refinement, style, and outstanding craftsmanship. The appropriate accessories elevate a great car to a personalised masterpiece that suits your preferences and demands. Let us look at some of the best luxury car accessories:

1. Premium custom floor mats

Your premium vehicle deserves more than conventional floor mats. High-end bespoke floor mats made of premium materials such as Alcantara or genuine leather preserve your car's interior and improve its aesthetics.

These made-to-measure mats give a flawless fit while providing better dirt and wear protection, ensuring your car's flooring remains clean for many years.

2. Advanced audio systems

A high-quality audio system may transform your commute into an engaging experience. Premium manufacturers like Bang & Olufsen and Harman Kardon provide specifically tuned systems with crystal-clear sound quality.

With precisely tuned acoustics and outstanding sound isolation, these systems deliver an extraordinary audio experience worthy of your vehicle's premium status.

3. Custom leather upholstery

While most luxury automobiles have leather interiors, upgrading to personalised leather seat covers may improve comfort and elegance. Premium Nappa leather or suede alternatives, with personalised stitching patterns and colour combinations, can transform your vehicle's interior while improving durability and comfort.

4. Ambient lighting

Custom ambient lighting may help create a refined ambience. Modern LED systems have customisable colour and brightness settings, allowing you to change the atmosphere of your car's interior to match your mood.

Strategic placement around the dashboard, footwells, and door panels may may enhance your driving experience.

Conclusion

The right luxury automobile accessories may dramatically improve your driving experience while boosting your vehicle's value. Whether you're looking for comfort, performance, or safety—these carefully designed upgrades may elevate your luxury vehicle to the next level.

When purchasing luxury vehicle accessories, examine and renew your car insurance coverage. A comprehensive car insurance is an important part of preserving your investment. Keeping your policy up to date guarantees that your valued property is fully protected. This extra precaution to secure your investment will allow you to enjoy your improved driving experience with total peace of mind.

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

The Indian automobile market has experienced a significant boost, growing at an impressive rate of 12.5% in the last financial year. In this rapidly growing market, hybrid cars are gaining traction due to their blend of luxury, efficiency, and cutting-edge technology.

These vehicles also improve the driving experience and contribute positively to environmental sustainability. Read on to discover some of the best hybrid engine cars available in the Indian market.

List of best hybrid engine cars

Here is a list of some of the best hybrid engine cars in India:

1. Maruti Suzuki Grand Vitara: ₹11.19 - ₹20.09 Lakhs (Approx.)(Ex-showroom price)

This SUV has a 1490 cc engine capacity with a mileage of 27.97 kmpl, which makes it efficient and powerful. This model has a seating capacity of 5 and includes safety features like airbags, ABS, and electronic stability control.

2. Toyota Urban Cruiser Hyryder: ₹11.14 - ₹19.99 Lakhs (Approx.)(Ex-showroom price)

This compact SUV comes with a modern design and spacious interior. This car features a 1490 cc engine that delivers a mileage of 27.97 kmpl. Its features include airbags, Anti-Lock Braking System (ABS), and a 360-degree camera.

3. Toyota Innova Hycross: ₹19.70 - ₹31.34 Lakhs (Approx.)(Ex-showroom price)

This multi-purpose vehicle is designed for family comfort, seating up to 8 people. It combines a 1987 cc engine with an electric motor and offers a mileage of 23.24 kmpl. It is also equipped with cruise control and parking sensors.

4. Mercedes-Benz C-Class: ₹59.40 - ₹66.25 Lakhs (Approx.)(Ex-showroom price)

This luxury sedan features a 1999 cc engine with a mileage of 17 to 23 kmpl. It is equipped with features like front fog lights, automatic climate control, and parking sensors.

5. Lexus ES: ₹64 Lakhs to ₹69.70 Lakhs (Approx.)(Ex-showroom price)

It is a luxurious SUV with a 2487 cc engine with a mileage of 18 kmpl. It includes top-tier features like a lane change indicator, automatic climate control, and cruise control.

6. Toyota Camry: ₹48 Lakhs (Approx.)(Ex-showroom price)

The Camry is a medium-sized sedan known for its smooth driving experience. It features a 2487 cc engine with a mileage of 25.49 kmpl. The model includes parking sensors, 3 drive modes, and fog lights.

Conclusion

As the world transitions toward a more sustainable transportation system, hybrid cars are set to play a pivotal role in shaping the future of mobility. While comprehensive insurance provides complete protection, remember to acquire adequate car insurance, as mandated by the Motor Vehicles Act of 1988. An appropriate policy safeguards against potential accidents, theft, and damage.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the 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.  

Reverse parking your vehicle like a pro entails parking skillfully and safely. It involves finding a good parking space, being cautious, and using your mirrors and signals keenly as you manoeuvre your car. Read on to learn how to reverse park like a pro.

Tips on how to reverse park like a pro

Discover how to reverse park like a pro with these simple steps.

1. Find a good parking space

Find an appropriate parking space, and ensure your car isn't sandwiched between two vehicles. For beginners, parking next to just one car can feel less intimidating.

2. Switch on your turn signal

Use the turn signal to indicate your intended parking direction to other drivers and pedestrians. Combined with your reverse lights, this ensures those behind you know you’re about to reverse into the space you just passed. You can find out how to use the turn signal here.

3. Rotate your steering wheel

Turn your car into reverse and rotate the wheels as far as possible. Rotate your wheel in the same direction as the parking spot. Turn the wheel to the right if the parking space is on the right.

4. Check behind you

Before reversing into a parking space, check your surroundings and focus on your vehicle’s path. While a backup camera can be helpful, avoid relying on it entirely—use your mirrors and direct vision for better awareness.

5. Align your car wheels

Once the car's rear bumper goes midway into the parking lot, slowly straighten the wheels. A backup camera can also help you see whether your wheels are parallel on the screen.

6. Make necessary adjustments

You can open the car door or look out of the window to see where the parking line is. If you're too close to the line on one side, pull forward and adjust to the right angle to go back in a straight line. Once you park correctly, engage the handbrake and turn off the engine.

Conclusion

Reverse parking requires patience and practice, but with time, you can master the skill. Yet, even the most skilled drivers aren’t immune to unexpected situations like minor bumps, scratches, or accidents. This is where having the right car insurance becomes essential. A comprehensive insurance policy can provide financial coverage against unforeseen road incidents, such as accidents, natural calamities, car damage, or theft.

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

All vehicles have to pay a road tax for plying on roads anywhere in India. The Punjab road tax for other state vehicle is governed by the state’s Motor Vehicles Taxation Act.

Road Tax for Other State Vehicles in Punjab

Road tax levied on vehicles plying in Punjab but not registered in the state varies as per category. Transport vehicles with a seating capacity of up to 10 passengers have to pay INR 200 as the border fee while the amount is INR 1,500 for all other non-Punjab vehicles, excluding three-wheelers.

Conclusion

Road tax is mandatorily imposed on all vehicles in India and anyone failing to pay it is levied a penalty. It is also illegal to drive without a car insurance policy in the country.

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.  

Registration is the next step after buying a vehicle, and the process is completed at the regional transport office upon payment of a fee. New car registration charges in Haryana are uniform across all vehicles.

Vehicle Registration and Related Charges in Haryana

The fees payable for vehicle registration and related documentation in Haryana are thus:

• Registration: INR 600
• Temporary Registration (1 month): INR 1,200-1,500
• Hypothecation Charges+Termination: INR 1,500+100
• Duplicate RC: INR 50
• Driving Licence: INR 200
• Fitness Certificate: INR 200
• Service Charge: INR 50

Conclusion

Car road tax in Haryana payment is a relatively simple process and is mandatory for every vehicle. Furthermore, a car insurance policy is another must-have for all car owners in India, including in Haryana.

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.  

Road tax payment online Telangana is a straightforward process that has made paying road taxes much easier than in the past. You can do so sitting comfortably in your home; it is easy, quick, and convenient to manage your Telangana road tax online payment.

How to Pay Telangana Road Tax?

To digitally pay your Telangana road tax payment, you must access the official website of the department. Do the following to complete your TS road tax payment online:

• Go to the Telangana Transport Department website.
• Check for the “Citizen Services” tab and choose “Online Services”.
• Click the TS RTA tax payment service to pay the taxes due on your motorised road machine(s).
• Share your vehicle registration number, including any other information that may be required.
• Cross-check the details you have filled in before completing your TS transport road tax online payment.
• If paying with a credit/debit card is not your preferred option, you can go for online/banking UPIs, among others.
• If you have been fined, you will be notified electronically, so make sure to save this information.

This technique will significantly ease the workflow of the online road tax payment Telangana process and reduce queues and paperwork. Remember to also have a valid car insurance policy because this is a legal requirement for hassle-free driving.

Conclusion

Settling your TS transport tax payment online is an easy and quick way. Opting for online TS vehicle tax payment saves time and keeps track of all your tax obligations. Do not miss any Telangana vehicle tax payment to enjoy a great time driving.

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.  

In Uttar Pradesh as in other Indian states, vehicle drivers must pay their road taxes as one of the mandatory requirements. Car owners can now pay online UP road tax, making the process convenient and less time-consuming.

How to Pay Uttar Pradesh Road Tax Online?

The Uttar Pradesh government offers an online platform to pay vehicle taxes online, thus making the process easy. To complete your online road tax payment UP, follow these simple steps:

• Visit the official website: Visit the official website, which is the Uttar Pradesh Transport Department's payment gateway. Select “Tax Payment” under the "Online Services" tab.
• Enter Vehicle Details: Enter your car's registration number and the last five characters of its chassis number.
• Verify the Information: Ensure details about your vehicle, such as brand, model, and ownership are correctly recorded.
• Calculate the Road Tax: The system automatically calculates the amount depending on the vehicle’s category and age.
• Complete Payment: Now, choose how you want to pay (net banking, debit/credit card) and enter confirm.
• Receive Payment Confirmation: When the payment is successful, an e-receipt will be generated, which you must save.

This straightforward procedure ensures that your online road tax payment Uttar Pradesh is fast, safe, and stress-free.

Conclusion

The procedure of online vehicle tax payment UP has made it possible to settle your tax dues without trouble. Now, you can clear any dues over the Internet within minutes and without going anywhere. Also, ensure you have a valid car insurance policy as you will be penalised if you are caught driving without one.

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.  

Road tax in Kerala forms an important fee and must be paid by every vehicle owner. Revenue from road tax funds road maintenance and infrastructure improvements, assuring smooth travel across one of the most picturesque states of India.

Kerala RTO Tax Rate Calculation

The following are the parameters for Kerala road tax calculation based on which road tax is payable by car owners:

• Vehicle Type: Whether it's a two-wheeler, four-wheeler, or commercial vehicle
• Purpose: Personal or commercial use
• Vehicle Age: The older the vehicle, the lower the tax
• Green Tax: Older vehicles may be subject to an additional tax to encourage eco-friendliness

For example, the road tax for a four-wheeler costing up to ₹5 lakh is 9%, while it shoots up to 21% when the vehicle costs over ₹20 lakh. For two-wheelers, it starts at 10% on bikes with a price tag of up to ₹1 lakh. You can get the exact figures with online calculators.

Conclusion

Understanding how to calculate road tax in Kerala will ease your vehicle ownership experience in a big way. Payment on time helps the authorities in keeping the roads of Kerala safe and well-maintained, thus creating a better driving experience for all. A car insurance policy is another indispensable document car owners must purchase to remain free from the anxiety that defaulting brings.

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.  

In Gujarat, road tax is levied by the state government’s transport department. Paying road tax is a must for all vehicle owners. To comply with the state's regulations, one should know how the Gujarat road tax calculation is done.

How is Road Tax Calculated in Gujarat?

Road tax in Gujarat is determined based on the vehicle's type, age, and capacity. For instance:

• Two-wheelers less than 8 years old: 6% of the vehicle’s cost
• Two-wheelers 8-15 years old: 15% of the vehicle’s cost
• Vehicles over 15 years old: 1% of the vehicle’s cost
• Four-wheelers: A flat rate of 6% of the vehicle’s cost for non-transport private vehicles.

Taxes are collected in a lump sum and apply to both new and used vehicles.

Conclusion

Knowing what Gujarat road tax is and how it is calculated ensures that you abide by the law. Similarly, make sure your car insurance policy is valid as you stand to gain in the event of any untoward incidents.

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.  

In today's urban driving setting, safety and comfort features have become crucial factors in picking a car. Among these features, the 360-degree camera system has emerged as a game-changer, giving drivers a complete view of their surroundings and making driving in tight areas a breeze. Let’s discover some of the best cars with 360 camera.

List of best cars with 360 degree camera

Modern urban driving presents numerous challenges, from managing busy parking lots to manoeuvring small streets. The 360-degree camera system merges feeds from multiple cameras around the car to create a bird' s-eye view, successfully removing blind spots, and lowering the risk of accidents. Here are the best cars with 360 camera:

1. Maruti Suzuki Dzire

The Maruti Suzuki Dzire has changed the compact car market by offering luxury features at an affordable price point. Its impressive 360-degree camera system provides clear vision and views from multiple positions, which is useful during city driving.

• Price: 6.84 - 10.19 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 71 kmpl
• Trims with 360-degree camera: ZXi+

2. Tata Curvv

Tata Motors has made major advances in car technology with the Curvv. Its 360-degree camera system displays exceptional clarity and speed. The system interacts smoothly with the vehicle's entertainment display, and the interface is simple enough for drivers of all skill levels.

• Price: 10.00 - 19.20 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 15 kmpl
• Trims with 360-degree camera: Creative+ S, Accomplished+ A

3. Hyundai Creta

The Hyundai Creta's SX(O) version improves the driving experience with its advanced 360-degree camera application. The system's high-resolution screens and various watching points make it particularly effective in difficult parking situations.

• Price: 11.11 - 20.42 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 8 kmpl
• Trims with 360-degree camera: SX(O)

4. Mahindra XUV 700

The XUV700's AX7L version highlights Mahindra's technological ability with its advanced 360-degree camera system. The camera quality and screen sharpness are notably better, allowing crystal-clear vision even in low-light situations.

• Price: 13.99 - 25.74 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 17 kmpl
• Trims with 360-degree camera: AX7L

Conclusion

The addition of 360-degree camera systems in these cars marks a major step in making advanced safety features more available to Indian customers. As this technology becomes more common, consumers can expect more unique applications across different price ranges in future. While a 360-degree camera system provides excellent protection against small accidents and parking mistakes, it's crucial to remember that technology alone cannot promise total safety on the road.

Combining these improved safety features with comprehensive car insurance is important. A robust car insurance policy protects you against unexpected accidents, natural disasters, theft, and third-party claims.

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.

Some unique problems come with living in rural India, especially when getting around. Because the roads aren't always in good shape, they can be wet during the monsoons or rough and uneven all year. You need a car that can tackle these challenges while remaining practical for daily use.

Let's look at some of India's best cars for rural areas.

List of best cars for Indian rural roads

Vehicles that are great for rural areas must be long-lasting, easy to maintain, and have good mileage. Local service networks and the ease of getting spare parts are important factors that often affect buying choices.

The vehicle should be able to handle both family transportation and rare load-carrying needs. Here are some of the best cars for rural areas:

1. Mahindra Bolero

Mahindra Bolero is one of the most reliable vehicles in rural areas. Its strong build quality and simple engine design make it ideal for rough terrain. The vehicle's commanding ground clearance helps it handle waterlogged roads during monsoons, while its roomy cabin is useful for family trips and transporting farm goods.

• Engine Capacity: 1493 cc
• Mileage: 16 kmpl
• Price: 9.79 - 10.91 Lakh

2. Maruti Suzuki S-Presso

The S-Presso is a great choice for rural families who want an inexpensive, multi-purpose car. Its small size makes it great for getting around on compact village roads, and the high seat position makes it easy to see. The car's lightweight design also improves fuel economy, making it appropriate for daily use.

• Engine Capacity: 998 cc
• Mileage: 3 kmpl
• Price: 4.26 - 6.12 Lakh

3. Mahindra Scorpio

The Scorpio’s strong engine easily handles steep inclines, while the robust suspension system softens the worst road flaws. The vehicle's powerful road appearance and comfortable cabin make it perfect for work and home use.

• Engine Capacity: 2184 cc
• Mileage: 44 kmpl
• Price: 13.62 - 17.50 Lakh

4. Maruti Suzuki Brezza

The Brezza’s balanced form offers good ground clearance without compromising on comfort. Its steady performance and size make it ideal for rural roads and highway trips. Smart features like hill-hold assist prove useful on tricky terrains, while the efficient engine ensures reasonable running costs.

• Engine Capacity: 1462 cc
• Mileage: 8 kmpl
• Price: 8.54 - 14.14 Lakh

Conclusion

Remember that the best car for country roads isn't usually the most expensive or feature-loaded choice. It's the one that offers the right mix of sturdiness, usefulness, and value for your unique case.

Securing the right car insurance is a crucial step in protecting your investment. While basic third-party insurance is required by law, choosing complete coverage provides much-needed defence against various events. Look for car insurance plans that offer benefits like zero depreciation coverage, 24/7 service assistance, and engine security.

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

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

Things to consider when calculating your budget for a new car

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

• Thumb rule: Set a reasonable budget

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

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

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

• Choose between new or old.

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

• Buying the right size

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

• Avoid negative compounding

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

• Contemplate maintenance costs

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

• More savings than EMI

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

How to calculate the budget for your car?           

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

• Check the on-road price

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

• Consider the monthly payments.

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

• Access your down payment.

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

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

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

• Consider your total debt.

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

Conclusion

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

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

Related Articles:

• Buying New Car with Old Manufacturing Date: Pros & Cons
• How to renew car insurance online in India?
• Reasons to Buy a New Car This Ganesh Chaturthi
• Things to Check Before Taking Your New Car Home
• PDI checklist: Pre-Delivery Inspection Meaning

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

Does car insurance cover windshield damage?

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

Are there any deductibles while filing a damaged windshield claim?

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

Types of windshield damages that your car insurance covers

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

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

How to file a claim for a damaged windshield?

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

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

Conclusion

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

Frequently Asked Questions

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

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

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

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

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

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

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

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

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

Related Articles:

• A Detailed Guide on How to Claim Car Insurance for Own Damage
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You may know about NCB or the No-Claim Bonus in car insurance. But do you know about the NCB Protector add-on cover? This cover can help you keep your accumulated NCB intact, even if you make a claim in a policy year. Yes, you read that right. But now you’re thinking, how is it possible? 

Let’s dive into what an NCB Protector is and how you can avail of it. 

What is NCB protector in car insurance?  

The No-Claim Bonus Protector in a car insurance policy lets you maintain your NCB, provided you make only three claims in a policy year. 

The NCB is a reward that the insurance provider gives to the policyholder in case he/she does not make any claim during the policy term. This reward is a discount on the premium during policy renewal. If you make an insurance claim during a year without the NCB add-on, you will lose your accumulated NCB.  

The NCB Protector is a way of protecting your No-Claim Bonus that you have earned in the event of your own damage, total or partial loss, including claims for windshield glass, theft of car accesries or vehicle, etc. 

Benefits of NCB in Car Insurance  

Listed below are the advantages of NCB in car insurance. 

 Discount on Renewal 

You will have to pay a lower premium than the amount paid earlier.  

 Higher Savings 

NCB can be incremental if you do not claim for five consecutive policy years. 

 Transferable 

You can carry it forward if you have plans to sell your vehicle and purchase a new one. As NCB is associated with the owner and not the vehicle, you also have the option to port your policy from one insurer to another.  

How Much Does A No Claim Bonus Protection Add-On Cost? 

You must keep renewing your car insurance policy without any lapses to maintain your NCB. As there is a year-on-year increment, you can avail of up to 50% discount on the premium if you do not make any claim for 5 consecutive policy years. The price for the NCB Protection add-on ranges between 5% and 10% of your overall policy premium.   

Who Should Opt for A No-Claim Bonus Protection Cover? 

The no-claim bonus protection cover can be opted by - 

• anyone who owns a car and has a valid comprehensive car insurance policy
• any owner whose car is vulnerable to damages and there are higher chances of the owner making a claim
• any person who has a car for 2 years and is not willing to let go of the accumulated NCB

Things to Remember about NCB in India 

There are several important things to remember about the NCB in our country, such as – 

· Termination period of the NCB 

NCB can be terminated if you do not renew it within 90 days of the expiry term or raise a claim without the NCB protection add-on.  

· NCB and the Claim 

If you make a claim without having the NCB protection add-on cover, the NCB will be terminated. 

· Proof of the NCB 

The NCB certificate that you have obtained from the insurance provider acts as the NCB proof. 

· NCB for Commercial vehicles 

You have to be careful concerning the terms and conditions of commercial vehicles in India, as the NCB terms differ from one insurer to another. 

Why Opt for No-Claim Bonus Protection Cover?  

Choosing a No-Claim Bonus (NCB) Protection Cover is like adding a layer of additional security to your car insurance policy. 

• No Claim Bonus Protection Cover ensures that the accumulated NCB remains unaffected, even if you make a maximum of three claims within the policy tenure.
• By securing the NCB Protection Cover, you safeguard the discount you receive upon policy renewal. Opting for this cover is a smart move for those who want to secure their insurance benefits while having the flexibility to file claims when required.

Conclusion  

The No-Claim Bonus (NCB) Protector is a vital add-on for car insurance policyholders looking for ways to secure their NCB despite making claims. This cover not only ensures continued discounts on timely policy renewals but also offers flexibility in making a claim without losing the accumulated NCB. 

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