Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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  • How to Check Car Insurance?

    by Almog Ramrajkar | Jan 19, 2023

     

    Driving car without driving license is illegal. All cars must have third-party liability insurance according to the Motor Vehicle Act. If you do not follow this law, you will face consequences. Make sure you renew your policy on time to avoid any issues. If you are not sure of your policy expiry date, check it right away.

     If you remember your policy number, you can check the status with the insurer directly. If you don't remember, you have two options:

    •  Through the Insurance Information Bureau (IIB) portal
    • Via Vahan e-services

     You can also check the status offline by visiting the insurer's branch office with your KYC and vehicle documentation.

    How to check the car insurance status on the IIB portal?

     IIB is a government agency that maintains digital records of all the vehicles registered in India. To check your car insurance status on the IIB portal, do the following: 

    •  Go to the official website of IIB
    • Go to the quick links displayed on the homepage and choose "V-Seva"
    • After clicking the link, the Accident Vehicle Information Retrieval System webpage will appear on the screen 
    • Next, fill in the information such as the registered mobile number, registration number, and a few other details
    • Always double-check the information, before clicking the "Submit" button.
    • The insurance status will be displayed on your computer screen

    Guidelines to check car insurance status on the IIB portal

     You must exercise caution when checking the status via IIB. A single error could cause you to repeat the entire process. Here are some things you must keep in mind. 

    •  Share your car registration number without inputting any special characters or spaces. The correct format is UP-65-TA-XXXX.
    •  There is one disadvantage of using this website. It reflects your insurance information two months after you purchase it. For example, if you purchased car insurance for your new car on March 31, 2021, the details will be available on IIB from June 1, 2021, onwards.
    •  When checking the status of a new car, you must provide information such as the engine and chassis number.
    •  If the IIB portal does not display the insurance or other critical information, you may need to visit the Regional Transport Office (RTO).
    •  The IIB allows up to three attempts to check the status online.

    Check through Vahan e-services

     If you are unable to find the insurance status through IIB, try checking it through Vahan e-services by following the steps below:

    • Go to the VAHAN e-service portal
    • Tap on "Know Your Vehicle Details"
    • Share your car registration number and then tap on the "Search Vehicle" option
    • The displayed result will include all relevant information about your vehicle, including the insurance expiration date

    How to check the car insurance status in IL?

     If you have an ICICI Lombard car insurance policy, you can track its status even if you have misplaced the documents. Simply follow the steps mentioned below:

    •  Go to the ICICI Lombard website
    • Navigate to the car insurance page and enter your vehicle's registration number, registered mobile phone number, and email address
    • Click the "Submit" button
    • Your insurance information will be displayed on the screen

    If none of the above-mentioned methods works, you will have to visit the RTO.

  • How much health insurance do I need?

    by Almog Ramrajkar | Jan 19, 2023

     

    Owing to ever-rising inflation, a huge sum of money that appears sufficient today may prove inadequate for the smallest of your needs in the future. In India, everything is becoming more and more expensive, whether it is groceries or the cost of treating minor ailments. In such a scenario, insurance products come in handy.

    However, purchasing medical insurance without first assessing your needs is pointless. You must account for today's doctor consultation fees, critical illness treatment costs, and more. How much health insurance do I need? is a valid question and today, we will look into it in detail.

    How much health insurance is required for an individual?

     The answer majorly depends on your age. Most adolescents are free of major or minor illnesses. If you are young and work for a company that offers group health insurance, you may choose to insure yourself for a lower sum.

    However, if you are over 40 years, your sum insured should be at least 3-5 times your annual income. It means that if you earn Rs 50,000 per month, coverage ranging from Rs 150,000 to Rs 250,000 is ideal.

    How much health insurance is needed for a family?

    If you are your family's sole breadwinner, it is your responsibility to look after your loved ones. If your family consists of your spouse and two children, you can choose a family floater plan with a sum insured of 3-5%. If you have family group health insurance, you may choose lower coverage if you are on a tight budget.

    Health insurance for senior citizens or parents

     People in their old age are more vulnerable to illness. There is also a chance that they have a pre-existing disease or have had major surgery such as a heart bypass in the past. Consider their medical history, current lifestyle, and personal income when deciding on the amount of coverage for senior citizen parents. Remember, the premium for senior citizens is slightly higher than for young people.

    What is the right amount of coverage?

     You should decide on coverage after considering your age and the number of dependent members. If you have a spouse over the age of 40 years, dependent children, and dependent parents, the total sum insured should be on the higher side. Other factors to consider include:

    •  Determine potential medical risks. For example, if you have diabetes, you are more prone to heart disease, strokes, and other complications. Always factor in these uncertainties before deciding on the best coverage.
    •  Check to see if the insurer you are considering has network hospitals in your city.
    •  Evaluate the benefits provided by the group health insurance through which you are covered.
    •  Check with your insurance company to see if advanced medical treatments are covered. Read the fine print in the policy brochure to see the provisions relating to the policy's inclusions and exclusions.

    All of these parameters not only aid in the selection of the best sum insured, but also in the selection of the best insurer.

  • Claim Settlement Process for Road Accident

    by Almog Ramrajkar | Jan 19, 2023

     

    While financial stress will be present in case of any type of loss, the associated risks and mental stress in case of an accident are even higher, especially if a third party is involved. Besides dealing with own damage and loss, third-party liabilities can wreak havoc on your finances. To make matters worse, a delay in reporting the damage to the insurer can lead to a claim refusal. An insurer with a good claim settlement ratio will extend all sorts of support to you, provided you are honest and do the needful.

    To ensure a smooth and hassle-free accident claim settlement process, the Ministry of Road Transport and Highways (MoRTH) has laid down a set of guidelines for all insurance companies.

    • On the intimation of a road accident, the insurance company must assign an investigating police officer to the case.
    • The investigating officer must inspect the accident site, click photographs of the site and the damaged vehicle, and prepare a site plan.
    • The investigating police officer must send all the collected details to the claim tribunal within 48 hours of the accident.
    • If there is a third-party liability—be it bodily injury/loss or a loss to the property, the third party, that is the victim of the road accident, should be informed of their rights. They should also be provided with a flowchart elaborating on the settlement scheme. These details have to be forwarded to their legal representatives as well. This intimation has to be done within 10 days of the accident.
    • After that, the investigating officer must submit an interim accident report to the claim tribunal and the submission has to be done within 50 days of the accident.
    • Post the submission of the interim accident report, the investigating officer must submit a criminal investigation report to the concerned criminal court within 60 days.
    • The verification of all the documents and information has to be included in the Detailed Accident Report (DAR) and the same must be submitted to the claim tribunal within 90 days of the accident.
    • Once the DAR is submitted to the claim tribunal, the same has to be forwarded to the insurance company as well.
    • The insurance company will verify the details at its end and file a report.

      Depending on the available information and policy coverage, the insurance company will either accept or reject your road accident claim.

      While the road accident claim settlement process looks tedious, it is fairly easy and simple. If you were not drunk driving or driving without a licence or insurance at the time of the accident, the claim will be settled smoothly. Just make sure you choose an insurer with a good car insurance claim settlement ratio or bike insurance claim settlement ratio. To know the claim settlement ratio of your preferred insurer, check the IRDA Claim Settlement Ratio 2022 report.

  • How Does Health Insurance Works?

    by Almog Ramrajkar | Jan 18, 2023

    Health insurance is essential and the most widely purchased insurance product. The rising cost of medical care combined with a sedentary lifestyle makes it a must-have. Health insurance covers different medical conditions and allows you to lead a stress-free life.

     Health insurance is usually available as an individual plan and a family floater policy. The scope of coverage for both is identical except for the use of the sum insured. Let us proceed and learn

    How does health insurance work in India?

    Health insurance is specifically designed to provide financial protection against various illnesses. In exchange, the insurer requires you to pay a premium. The cost of this product is determined by several factors, the most important of which is your age and medical history.

     As a Policy Owner, you are entitled to benefits up to the sum insured. In general, medical insurance policies cover the following expenses:

     

     Pre and Post-hospitalization expenses

    Daycare procedures

    AYUSH treatment recognized by government institutions

    In-patient expenses

    ICU charges

    Indoor expenses

    However, keep in mind that the scope of coverage may differ between insurers. Every policy has a waiting period, and benefits are available once that period is over. As a result, thoroughly reviewing the policy wording is critical.

     Deductibles are another important factor to consider. It is the amount you must pay out of pocket at the time of settlement. There are two types of deductibles - mandatory and voluntary. If you increase the latter, your premium will be reduced while your liability will increase.

    How does health insurance renewal work?

     Health insurance benefits are available for a fixed time frame. After this period expires, you will have to renew your policy by paying the required premium. During renewal, you can add riders to expand the scope of coverage. If you don't make any medical claims, your insurance coverage will increase up to a certain limit.

     Nowadays, insurers allow both online and offline renewal.

  • Can I Claim Insurance for Car Scratches in India?

    by Almog Ramrajkar | Jan 18, 2023

    Driving in India comes with countless challenges. Poor road conditions, open manholes, and complete disregard for traffic rules by some motorists are among the leading causes of road accidents in the country. No matter how cautiously you drive, you have no control over several unfortunate incidents including scratches. 

     Dents or scratches are minor incidents and fixing them does not require big money. But, the question is—if you have a comprehensive car insurance policy, does it cover minor damages such as dents and scratches? If yes, then what are the implications of filing such claims? Let's look at it in detail.

    Are car scratches covered in a car insurance policy?

    Car insurance coverage varies depending on the insurer and the policy terms. It is critical to read the fine print of the policy document to understand inclusions and exclusions and avoid any possible claim rejections. Mostly, popular insurers cover scratches. However, if you have only a third-party liability insurance policy for your car, without a standalone own damage cover, the insurer will deny your claim.

     Incidents of scratches or any significant events such as theft, irreparable damage, and loss due to fire are typically covered by comprehensive and standalone own-damage insurance.

    Will a car scratch affect your NCB?

    The NCB, or No Claim Bonus, is a percentage reward for not filing a claim during the policy year. It is given as a discount on the premium amount at the time of policy renewal. It starts at 20% for the first claim-free year and can go up to 50% if you complete five consecutive claim-free years.

     A scratch on your four-wheeler requires the least amount of money to repair. It would not cost you more than a few hundred or thousands of rupees. Using your policy for this minor expense would result in the loss of your accumulated NCB discount.

  • Is Third-Party Insurance Enough for a Bike?

    by Almog Ramrajkar | Jan 18, 2023

    Choosing the best motorcycle insurance is critical to safeguarding your bike. It protects you financially from all calamitous situations that may result in bike damage. In India, there are three types of bike insurance—standalone own-damage cover, bare minimum third-party liability insurance and comprehensive insurance. Today, we will discuss some crucial points related to third-party liability coverage. 

    What is 3rd party insurance for a bike?

    In India, it is mandatory to have third-party insurance to ride your bike on public roads. According to the law, you are not permitted to ride your two-wheeler unless it is covered by this policy. Third-party insurance protects you financially against legal liabilities arising from hurt or damage caused to a third-party person or property, respectively. It also covers legal fees if the victim files a lawsuit against you.

    Is third-party insurance enough for a bike?

    Third-party insurance does not cover damage to the insured bike. If your bike is involved in a road accident and is severely damaged, third-party insurance will not cover the repair costs. The scope of coverage also excludes situations in which your bike is stolen or damaged as a result of a natural or manmade disaster.

    Therefore, it is recommended to have either comprehensive bike insurance or to supplement third-party coverage with a standalone own-damage policy. You should also think about adding appropriate riders to broaden the scope of coverage.

    Is the premium of a third-party insurance policy high?

    No, it is, in fact, the most affordable policy available in the market. The price of third-party liability insurance is fixed by the Insurance Regulatory Department of India (IRDAI). It is decided based on the engine displacement size. Let's see how much it costs for different models.

    Bike Cubic Capacity 

    Cost 

    Below 75 cc

    Rs 538

    Between 75 cc to 150 cc

    Rs 714

    Between 150 cc to 350 cc

    Rs 1366

    Above 350 cc

    Rs 2804

  • ICICI Lombard Travel Insurance Claim Settlement Ratio

    by Almog Ramrajkar | Jan 10, 2023

     

    Travelling means different to different people. It can be for work, relaxation, rejuvenation, adventure, or just exploring the world. Whatever your motivation, after a stressful work-life balance, a trip to your favourite destination with your family could be all you need to come back all charged up.

    Having said that, you cannot ignore the obvious risks and potential hassles related to travelling. For example, you may have to cancel your trip at the last minute due to unavoidable circumstances, or you may lose your baggage during transit. Also, you cannot overrule the possibility of falling sick during a trip. All such events can affect your travel budget significantly. This is where a robust travel insurance plan comes into play as it offers complete financial protection in the face of a mishap. 

    However, just buying travel insurance is not enough. You must ensure you buy it from an insurer who will help you during a crisis. Your insurer must have a high claim settlement ratio and promise a smooth claim process.

    ICICI Lombard travel insurance claim process

    It is critical to understand whether your policy covers the unfortunate incident that occurred during your trip. Proceed with the next steps only after you have confirmed this:

    • Notify the Assistant Service Provider (ASP) assigned to you soon after the incident that necessitated the claim filing. The service provider number will be provided to you at the time of policy purchase. You can also find this number on the ICICI Lombard travel insurance page. 
    • Provide the required documents. For example, if the claim is for a trip extension, documents supporting the reason for the extension such as a medical report or certificate if the extension is due to illness are required.
    • Fill out the claim form correctly.
    • The ICICI Lombard claim team will review and verify your information before settling the claim. If the settlement is to be made in foreign currency, the exchange rate will be used.
  • ICICI Lombard Health Insurance Claim Settlement Ratio

    by Almog Ramrajkar | Jan 10, 2023

     

    A medical emergency can be a frightening situation. It not only renders you unable to work for the duration of your hospitalisation but makes it difficult to pay the treatment bills. To protect yourself and your loved ones from such occurrences, purchase comprehensive health insurance. The policy covers in-patient care, ICU expenses, pre and post-hospitalisation charges, consultation fees, and more. But, your health insurance will be useful only if your insurer has a streamlined claim process and high claim settlement ratio

    When purchasing medical insurance for yourself or a loved one, always check the list of network hospitals provided by the insurer. Check to see if you can file your claim online or if the sole option is to visit the insurer with a stack of documents and wait for days for your bill to be reimbursed.

    ICICI Lombard health insurance claim process

    ICICI Lombard is noted for its instant coverage and speedy claim settlement process. With a settlement ratio of 99.7%, ICICI Lombard is one of the best insurance providers in the medical insurance industry. You can file a claim with ICICI Lombard by following these three simple steps:

    • Initiate

    Contact our claim executives as soon as a medical emergency occurs by dialling 1800 2666. You can also request via the IL Take Care App.

    • Verification

    Our claims team will verify the medical documents you shared. If everything checks out, your request will be processed further. 

    • Tracking

    You can track the real-time claim status with just a few clicks on your mobile device.

    Claim procedure for cashless hospitalisation

    ICICI Lombard has over 6700+ network hospitals across India, reducing your financial burden during the medical crisis.

    • Visit the nearest network hospital. Keep a list of network hospitals handy to avoid the last-minute hassle.
    • Go to the health desk counter and show the third-party administrator (TPA) your health card.
    • TPA will complete the pre-authorisation request application and submit it on your behalf to the ICICI Lombard claim team.
    • The claim executives will review the request form and verify the medical reports before approving the request.
    • Once the request is approved, you can avail of treatment for free. 
    • Post-treatment, the bills will be settled directly with the hospital.

    Note: If the cashless claim is rejected due to missing information or another insignificant reason, you must pay the bills from your pocket before filing the reimbursement claim.

  • Prevention is better than Covid-19 cure

    by Amit Moolya | Dec 30, 2022

     

    The immune-evading BF.7 variant of Covid-19 is wreaking havoc in China. According to various media reports, the disease is currently affecting millions daily. Given the severity of new strains and potential mutations, the Indian government has increased surveillance of people flying from China and its neighbouring countries. If the necessary measures are not put in at the right time, India may face the same fate as China. Furthermore, when Covid strikes, the healthcare infrastructure is overburdened, increasing the cost of disease treatment. Thus, in the interest of health & financial security, it is advisable to not just get a health insurance but also practice preventive measures against the spread of the virus.

    Let's go over some precautionary measures that you may follow to avoid infection from this lethal virus.

    Use masks & follow hygiene habits

    When going out in public, make sure to wear a mask. For added protection, use a K95 or N95 mask. If at all possible, avoid going out in public places or crowded areas. However, because there is no lockdown and offices are open, the only way to prevent the virus is to

    • Practise social distancing
    • Isolate in case of symptoms (fever, cold, cough, or breathlessness)
    • Sanitise regularly

    Get vaccinated

    The government's previous massive vaccination campaign aided India in reducing the virus's threat. However, if you have not yet been immunised with any of the authorised vaccines, you should do so right away. Those who have been vaccinated must make an appointment to receive a booster dose or a nasal spray that has recently been introduced to boost immunity against the virus.

    Get Health insurance

    Insurance does not prevent the virus from infecting you, but it does come into play if you are infected. The cost of treating covid cases can be high because, once severe, it can affect other parts of the body. To deal with covid, the IRDAI implemented the Corona Kavach policy.

    Corona kavach is an indemnity plan that covers the cost of covid treatment if you are hospitalised for more than 24 hours after being diagnosed with this ailment. The sum insured under this policy ranges from Rs 50,000 to Rs 5,00,000. The policy includes pre and post-hospitalisation expenses, comorbid conditions, ICU charges, and domiciliary treatment.

    Final Words

    Covid prevention is always preferable to cure. A reliable medicine to treat this virus has yet to be developed. Remember - the preparation to protect yourself against this virus begins with the purchase of health insurance, which is followed by precautions such as wearing masks, getting vaccinated, and practising social distancing.

  • GST on Health Insurance

    by Almog Ramrajkar | Dec 27, 2022
     

     

    The Government introduced the Goods & Services Tax, popularly known as GST, in 2017. GST consolidates multiple indirect taxes such as excise duty, VAT, and service tax under a single umbrella. It also helps business owners to understand the tax implications better and allows them to conduct business transactions more smoothly.

    GST applies to almost all goods and services, including health insurance products, sold across the country. When you buy health insurance plan, you must pay an 18% GST. Let’s get into the nitty-gritty of how GST affects your medical insurance. However, before that let us first understand what GST is and how it works.

    What is GST?

    GST is a single indirect tax that you—the consumer, must pay when purchasing household goods such as clothing and food. Furthermore, this tax is applicable if you avail of any services such as dining, transportation, or insurance.

    Types of GST on Health Insurance

    • Central GST (CGST)

    This portion of GST goes to the Central government's account.

    • State GST (SGST)

    The component of GST is collected by the state government on intra-state transactions.

    • Integrated GST (IGST)

    IGST is split evenly between the Central and the state government. Here, the concerned state is where the goods or services are consumed.

    • Union Territory GST (UGST)

    You must pay UGST if you have consumed goods or services in a union territory such as Chandigarh and Andaman & Nicobar. 

    In India, there are five GST slabs—0%, 5%, 12%, 18%, and 28%. The Government has clearly defined which services or goods will be subject to which tax bracket.

    Impact of GST on health insurance

    Health insurance has become expensive since the implementation of GST. Earlier, when purchasing health insurance, the policyholder was charged a 15% service tax. The components of the service tax are:

    • Basic service tax – 14%
    • Swach Bharat cess – 0.5%
    • Krishi Kalyan Cess – 0.5%

    Since the tax rates were revised, you must now pay an additional 3% in taxes when purchasing or renewing medical insurance

    Tax savings under section 80D

    Investing in health insurance not only protects you financially in the event of a medical emergency but also allows you to save a significant amount of money on taxes. Section 80D of the income tax allows you to bring down the tax payable amount by up to Rs 1,00,000. Here is the table detailing the tax benefits under section 80D

    Covered Individual Maximum Deduction
    Insurance premiums paid for self, spouse, or dependent children, all under the age of 60 years. Rs 25,000
    Insurance premiums paid for self, spouse, dependent children, and parents, all under the age of 60 years. Rs 25,000 + Rs 25,000
    Insurance premiums paid for self, spouse, dependent children, and senior citizen parents. Rs 25,000 + Rs 50,000
    Insurance premiums paid for self, spouse, dependent children, and parents, all over the age of 60 years. Rs 50,000 + Rs 50,000


    In addition to the insurance premium, you can also claim a deduction for the amount spent on the preventive health check-up. The maximum exemption limit, in this case, is Rs 5,000.

  • Understanding the ICICI Lombard Health Insurance Policy Upgrade

    by Amit Moolya | Dec 27, 2022

     

    The New Features of ICICI Lombard Health Insurance

    We have upgraded our health insurance policy to make it more comprehensive and inclusive. With this new version, you can avail a host of new benefits:

    • Zone-based pricing - premium advantage in line with the treatment costs in your zone
    • Pneumococcal Vaccine discount
    • Guaranteed No-Claim Bonus of 20% of sum insured for every claim-free year (with a maximum of 100% bonus)
    • Unlimited reset up to 100% of sum insured for unrelated illness and once for same illness
    • Medical procedure expenses for organ donor up to the sum insured
    • Home care cover up to 5% of sum insured (max up to `25,000)
    • Limit for Cataract cover up to 10% of sum insured (maximum up to `1 Lakh per eye)

    The company has also introduced a variety of complimentary services on the IL TakeCare app to help its customer stay healthy, safe and informed about their health

    📲 Face Scan 👩‍⚕️ Hello Doctor 💻 Online Health Assistance
    An online tool to check health vitals such as blood pressure, oxygen saturation, heart rate, stress level, etc Access to a doctor for tele-consultation, 24X7 Medical advice from the safety and comfort of home

    Click here to download IL Take Care App

    Zone-based pricing

    With our new zone-based pricing, you can get premium advantage in line with the treatment cost prevailing in a particular zone.

    Zone definition

    Zone A Mumbai, Haryana, Daman & Diu, Dadra & Nagar Haveli, Ahmedabad, Surat , Delhi, Gurgaon, Ghaziabad & Rest of NCR (excluding Faridabad, Gautam Budh Nagar (excl Noida city), Bulandshahr, Alwar, Bagpat, Bharatpur, Jhajjar, Jind, Nuh, Panipat, Rewari)
    Zone B Pune, Kolkata, Madhya Pradesh, Goa, Gujarat (excl. Ahmedabad and Surat), Bengaluru, Chennai, Andhra Pradesh, Telangana (Incl. Hyderabad), Pondicherry, Uttarakand, Chhattisgarh
    Zone C Rest of India (Punjab, Rajasthan, Chandigarh, Himachal Pradesh, J&K, Lakshadweep, Kerala, Tamil Nadu (excl. Chennai, Pondicherry), Odisha, North Eastern States, Andaman & Nicobar, Rest of Karnataka, Rest of West Bengal, Bihar, Jharkhand, Rest of Maharashtra, Rest of UP)
    Zone D Faridabad, Gautam Budh Nagar (excl Noida city), Bulandshahr, Alwar, Bagpat, Bharatpur, Jhajjar, Jind, Nuh, Panipat, Rewari

     

    Based on your pincode, if you fall in zone A, you will continue to have the freedom to get treatment across India without zone based co-pay (Co-pay is a share of claim amount that you’d have to bear). For other zones, you will need to share a part of the claim amount for treatments at a hospital in higher zone.

  • How to Check E Challan Status Online

    by Almog Ramrajkar | Dec 26, 2022

    You probably drive as carefully as you can to avoid accidents and refrain from violating traffic rules. But mistakes happen by the best of us. You may drive on high alert but there will always be some mistakes you make and end up getting a challan. A traffic challan can be issued for flouting any traffic rules like jumping a signal, driving over the speed limit, or driving without valid motor insurance. Earlier the process of getting a challan till actually clearing the fine in the system used to be an arduous task. But in order to simplify this process and ensure that traffic rules are followed even in the absence of traffic police, the authorities have employed the e-challan system.

    What is E-challan?

    An E-challan is a challan or fine that is generated through electronic and digital means. The idea behind employing e-challans is to reduce dependency on physical papers. An E-challan is accessible through an authorized digital source. These e-challans, add a great deal of convenience to the different processes surrounding them.

    What is a traffic e-challan?

    In India, if you are pulled over by the traffic police for breaking a traffic rule, you will be given a ticket. This ticket is called a challan. It lists the rule you broke and the fine for it. However, there are a lot of problems that arise from doing things this way. First, maintaining a record of all the challans issued even in a single day becomes a tough challenge. Second, just issuing a challan doesn’t mean the fine will be collected. Moreover, in the case of a physical challan, you have to go to an authorized traffic police station or the RTO office to make a payment. 

    To tackle all of these challenges, the Ministry of Road Transport and Highways (MoRTH) has started executing on the concept of e-challan. At its base concept, an e-challan is just an electronically generated challan. However, the benefits it has for drivers as well traffic authorities are exceptional. E-challans work on an integrated platform to enforce traffic laws through information technology. Traffic personnel can issue challans to noncompliant drivers digitally and charge them fines as per the rules set by Motor Vehicles Act of 2019 with or without even being present at the scene.

    How does traffic e-challan work?

    The main goal of traffic e-challan is to create a more seamless approach of penalizing traffic violations like traffic signal violation, not wearing a helmet, over-speeding, etc. E-challans achieve this goal in two ways:

    • Traffic police can generate an e-challan after pulling a driver over upon catching them on violating a traffic rule.
    • E-challan can be automatically issued if any driver is recorded going above speed limit or breaking red-signal rule, etc. on traffic surveillance cameras or speed guns. The e-challan is issued against the vehicle owner after the cameras register its number plate, make and model.

    Different cities across India have different kinds of automated systems for giving e-challans. Some of them directly capture the vehicle on camera and issue a penalty. On the other hand, some require manual handling. This manual operation is carried out by traffic personnel who issue e-challans through a mobile app connected to the database of the RTO.

    When a driver logs onto the website where these challans are listed, he/she can see the list of offenses and the fine that they need to pay for them. To make things better, you do not even need to visit a police station or an RTO office to pay your fines. You can pay your penalty through debit cards, net banking, etc. on the website itself.

    Traffic e-Challan Process Flow

    CCTV camera captures violation - Traffic Enforcement Officer is notified - Officer confirms the offense - E-challan is issued - Driver receives e-challan on registered email ID/mobile no. - Driver pays the fine - E-challan is cleared

    Steps To Pay Your E Challan Online

    The simplest and most convenient way to pay for traffic e-challans is to do it online. To promote hassle-free processes, traffic authorities have introduced a designated website for traffic compliance that is easy to find and navigate. Moreover, your e-challan will have a unique number so there is no confusion in making your payment. You can use this number to find your e-challan and make the payment quickly.

    When an e-challan is issued, you will get a notification on your registered email or phone number. Once you receive this e-challan, you will have 60 days to pay your fines. However, it is better to make the necessary payment as soon as possible. Failure to do so within the next 60 days means the traffic authorities will take legal action against you. These are the steps that you can follow to make the e-challan payment:

    • Log on to the following link: https://echallan.parivahan.gov.in/index/accused-challan.
    • Provide the necessary details like driving license number, challan number, etc. where the website requires you to.
    • After you have entered the necessary details, you need to click on the ‘get detail’ option.
    • You will see the e-challan status on your screen. Click on the ‘Pay now’ option to start your payment.
    • The next step is to select a payment mode for your e-challan. The options available to you will be debit cards, credit cards, and net banking. Once you have selected an option and made the payment, you will receive a message on your registered mobile number confirming your payment.
    • You also can use digital wallets like PayTm, PhonePe, GPay, etc. to pay your traffic e-challan.

    If you are not familiar with doing things online, there is always the option to pay fines offline. This way of paying fines involves visiting your nearest traffic police station or RTO office and making your payment over the counter.

    Steps to Check Traffic E-Challan Status Online

    Here is how you can check your e-challan status online:

    • Log on to https://echallan.parivahan.gov.in/
    • Go to the ‘Check Challan Status’ section.
    • The new page that opens up next will require you to provide your vehicle number or driving license to check if your vehicle has any traffic violations listed against it.
    • In the case your vehicle is not involved in any traffic violations, the website will show you a dialog box showing the words ‘Challan Not Found’.
    • On the other hand, if you have committed traffic violations, you will see a row showing the list of all of them. It will show you the list of offences and the fine that has to be paid for them.

    What happens if you don’t pay the traffic e-challan?

    Simply put, the e-challan is a compulsory payment and not making it means ignoring stringent traffic laws. Hence, as a penalty for breaking the law, you will have to face legal action from traffic authorities.

    Upon missing your payment deadline, you will be sent a court summon at your registered address. At the court, you will have to explain to a judge why you made the traffic violations and why you have missed your e-challan payment. Based on your explanation, the judge gives a verdict.

    In the rare case that drivers do not show up at court even after a summon, their driving license is suspended.

    How can you avoid the E-challan?

    Here are a few tips that you can use to avoid getting a traffic e-challan:

    • Drive smartly by following lane discipline, following traffic signals, wearing helmets/ seatbelts, following the speed limit.
    • Make sure you have a suitable car insurance
  • How to Link Your Aadhaar Card with Your Driving Licence

    by Almog Ramrajkar | Nov 21, 2022

    The Aadhaar card is one of the most important identity documents for Indians. It is critical for availing of the benefits of various government schemes. As part of attaching all other official identity documents with the Aadhaar card, the Central government has listed guidelines to link your Aadhaar card with your driving licence. It means two-wheeler and four-wheeler owners would now need to share their Aadhaar card details to obtain a new driving licence. Also, you must have your Aadhaar card attached to your driving licence for licence renewal purposes.

    The UIDAI mandates Indian citizens to link their Aadhaar cards with their driving licence to curb the growing menace of duplicate and fake driver’s licences in the country. A report by the Ministry of Road Transport and Highways revealed that 30% of driver’s licences in India are fraudulent. They expect the new provision to overcome the problem of forged and counterfeit documents.

    In addition to linking the Aadhaar card with the driving licence, vehicle owners must buy a robust motor insurance policy to safeguard themselves against road mishaps and related losses.

    A detailed guide on how to link your Aadhaar card with your driving licence

    State road transport departments issue driving licences to the residents of their respective states and union territories. To link your Aadhaar card with your driving licence, visit the website of your state transport department or that of the state where the driving licence was issued.

    Remember, the process for linking an Aadhaar card with a driving licence may vary slightly from state to state. However, the need to have a valid bike and/or car insurance plan, depending on the vehicle(s) you own, is uniform across India.

    To link your Aadhaar card with your driving licence, follow these steps:

    1. Visit the relevant licence-issuing state road transport department website.
    2. Search for the “Link Aadhaar” tab on the homepage of the given website and click on it.
    3. It will take you to a new webpage. Find the “Aadhaar Number Entry" tab and click on it.
    4. Select the “Driving Licence” tab from the drop-down menu.
    5. When the system prompts, enter your licence number.
    6. Click on the “Get Details" tab.
    7. Your driving licence details would appear on the screen.
    8. Now, enter your UIDAI-registered mobile number and 12-digit Aadhaar card number in the appropriate boxes.
    9. Double-check entered details. Then, click the “Submit” tab.
    10. The system will generate an OTP and send it to your registered mobile number for verification purposes.
    11. Once the OTP is verified, your Aadhaar card will be linked with your driving licence on the official portal of the state transport department.

    Benefits of linking the Aadhaar card with your driving licence

    Some benefits of linking your Aadhaar card with your driving licence are:

    • It will help in reducing corrupt practices, improve transparency, and make the licence-issuing process easy, smooth, and hassle-free.
    • Government agencies can access the database containing licence details of all vehicle owners in India via the Aadhaar-based unified platform.
    • Authorised agencies can identify fake driving licences from genuine ones through this drive.
    • Transport authorities can sift out forged documents and take disciplinary action against individuals with multiple licences.
    • The consolidated online database bearing details of automobile owners in India will dissuade people from renewing duplicate licences.
    • Individuals can receive their driving licence within 72 hours after passing the driving test thanks to electronic processing.
    • Linking the Aadhaar card with the driving licence will go a long way in reducing the number of road accidents since individuals cannot obtain a licence without clearing the driving test.
    • Both individuals and government bodies can benefit from quicker and hassle-free operations.
  • 6 Airbags Mandatory in Cars from 1st October 2023

    by Almog Ramrajkar | Nov 21, 2022

    Similar to the mandatory third-party motor insurance, the Ministry of Road Transport and Highways (MoRTH) has made 6 airbags mandatory in all cars starting October 2023. In the wake of the rising number of road accidents in India, Minister of Road Transport and Highways Nitin Gadkari said that all M1 category passenger vehicles must have 6 airbags to ensure the safety of the passengers.

    Initially, the road transport ministry was set to make 6 airbags mandatory in all 8-seater passenger vehicles starting 1st October 2022. However, it could not be implemented due to supply chain disruptions in the global automobile manufacturing sector.

    In July 2019, the Government made it mandatory for all cars to have a driver airbag. Later, in January 2022, dual front bags were made compulsory to protect the driver and front seat passenger in the event of an accident.

    The accidental death of Cyrus Mistry, the former Tata Sons Chairman, at Palghar in Maharashtra in September 2022 stirred raging debates over road safety measures in India.

    What is the M1 Category of Vehicles?

    The M1 category of vehicles refers to passenger vehicles equipped with up to 8 seats, including the driver’s seat. The M1 category of vehicles includes MUVs, SUVs, hatchbacks, and sedans.

    The new rule prioritises the safety of all passengers travelling in cars notwithstanding the cost or the variant of the vehicle. Previously, Nitin Gadkari had urged car manufacturers to adopt safety norms for ensuring the safety of passengers, especially those using economy cars.

    He had said that most automobile manufacturers in India export cars equipped with 6 airbags but are hesitant to sell them in India due to their high cost. He highlighted that not much thought is given to the safety of people driving economy cars in India.

    If you are a car owner, think of your financial protection. Purchasing comprehensive car insurance is a step in that direction. It is a good strategy to compare various car insurance online and choose the plan that best suits your needs.

    A Note About the Safety Mechanisms in Cars

    Both airbags and seatbelts are part of the safety mechanism in cars. Seatbelts secure the seat occupants and prevent them from being thrown out by force. On the other side, airbags fitted into cars interfere between the driver and the hard surface on the front during the collision, reducing the possibility of serious injuries. An airbag is an inflated safety device designed to protect passengers during road accidents. However, an airbag alone is not enough. You must be wearing your seatbelt for the airbag to save you.

    An airbag comprises a diagnostic monitoring unit, a steering wheel connector coil, an airbag module, an indicator lamp, and crash sensors. All these airbag constituents are integrated and powered by the car battery.

    When abrupt decelerations are detected, the crash sensors start transmitting electrical signals, activating the initiator. As a result, there is a rapid chemical reaction, which leads to nitrogen emissions and bloating of the airbag immediately.

    Because of this, a plastic module inflates to protect the passenger from hitting anything hard in the front due to the impact. After inflating for one-tenth of a second, the bag deflates in three-tenths of a second after the impact. Airbags contain a mixture of cornstarch and talcum powder and this mix gets released when the bag opens.

  • How to Avoid Making Minor Claims and Save Car Insurance NCB

    by Almog Ramrajkar | Nov 16, 2022

    A car policy offers financial security in case of a mishap or loss related to your car. As a policyholder, you hold the right to file a claim for any damage to your car. However, before making a claim, consider questions such as, “Should I claim insurance for minor damage? Can a no-claim bonus protection plan help in covering the losses better?” Assess the extent of loss, the impact on NCB (No Claim Bonus), deductibles to be borne by you, and future premium costs before making a claim. Here’s everything you need to know.   

    What is NCB in car insurance?

    No Claim Bonus or NCB is the discount offered by an insurer on your own damage (OD) or comprehensive car insurance for being a safe driver. Yes, it is the reward for driving safely and not raising any claim during the previous policy term. It begins only after you complete one claim-free year and is given a 20% discount on the premium amount for the next policy. With each passing claim-free year, you can go on accumulating NCBs until it reaches the peak of 50% of your premium amount. However, you must have consecutive claim-free years to be able to do that. Once you file a claim, you lose NCB, and then you must start accumulating it from the scratch. You will get an idea from the following table:

    Period of Insurance % of NCB on OD Premium
    The preceding year 20%
    Preceding Two consecutive years 25%
    Preceding Three consecutive years 35%
    Preceding Four consecutive years 45%
    Preceding Five consecutive years 50%


    The NCB increases every claim-free year up to 5 years. The percentage of NCB offered depends on the insurance provider and may vary from one insurance company to another. 

    Advantages of No Claim Bonus on car insurance premium:

    • Discount on renewal premium

    Filing a claim should not be the first thing on your mind whenever you see a scratch or a minor dent in the car. They are certainly covered but using the car insurance policy just for making the car look shiny and flawless will increase the future premium amount when you renew the policy. File a claim only when there is a major expense due to an accident or damage beyond repair, car theft, or replacement of major parts. Avoid claiming for expenses that you can afford and save the NCBs for discounts on your renewal premium.

    • Lower premium on second car

    If you want to replace the car and buy another one, you have the option of transferring the policy and carrying forward the NCBs for your new car. This way you can make a good amount of savings in the new policy premium even if you are switching insurers. The process of NCB transfer is simple and quick. Ask your previous insurer to transfer the NCB and issue an NCB certificate. When you approach the new insurer, present this certificate and NCBs will be transferred to the new policy.

    • Good claim history

    Filing insurance claims frequently will adversely impact your claim history and increase your renewal premium. The rate of increase in renewal premium could be due to repetitive claims, nature of the claims and terms of each insurer. So, try to maintain a good claim history by retaining NCBs.

  • What to do if an Uninsured Driver Hits Your Car?

    by Almog Ramrajkar | Nov 16, 2022

    Accidents are common on Indian roads. And what are just as common are people using their vehicles on roads without valid insurance. Although it is mandatory to have third-party insurance in India, it is far from being followed by all vehicle owners. So, what happens if your car is hit by an uninsured motorist? While your insurance will cover the damage caused to the third party and their vehicle, who will cover the damages to your car and your medical expenses in case of an injury? Today, we will focus on what to do if you meet with a car accident and the other driver has no insurance.

    • Note details: 

    When the at-fault driver tries to flee the scene of the collision, instead of chasing him, make note to jot down the vehicle's details such as the registration number, brand and model number. If the at-fault driver remains at the accident scene, try to gather as much information as possible. Based on the details you get about the other vehicle and uninsured motorist, you can file a police complaint and get the other driver to pay for your car’s repair.

    • Find witness:

    It may so happen that an uninsured motorist hits your car and flees the scene of the accident. In such situations, the only way to learn more about the offender and his vehicle is through a witness. Look for witnesses and check with them if they noticed the other vehicle’s registration number or make. You may also check  if they are willing to testify and record their statement against the at-fault driver. If they do, make a note of their contact information.

    • Security cameras:

    The accident could have happened when your car was on the road or while it was parked in a parking lot. Either way, it is always a good idea to check the security cameras in the vicinity of the site of accident. Surveillance cameras are common in city squares, supermarkets, and mall parking lots and they can assist you in tracking down the details of the uninsured vehicle that hit your car. If you can't find a security camera, ask around to see if any local shops or residences have captured the incident. If you come across any recordings, save them to your phone or laptop for later use.

    • Take photographs:

    Regardless of whether you find any information or details of uninsured motorists or not, it is advised that you take photographs of your damaged car at the site of the accident itself. The photographs will serve as proof of collision and damage to your vehicle and will assist you in obtaining compensation from uninsured motorists.

    • Inform the police:

    Once you have gathered enough information on your own, it's time to file an official complaint against the driver at fault. After lodging the FIR, the police will initiate an investigation and may be able to track down the driver who caused the damage to your vehicle. Filing the FIR immediately after an accident is important because the insurer will require a copy of the FIR for filing third-party vehicle insurance claims. Therefore, if the at-fault driver is underinsured or uninsured, you must submit a copy of the FIR to their insurer. FIR copies also help in obtaining compensation from uninsured motorists.

  • Essential Car Checklist for Long Trip

    by Almog Ramrajkar | Nov 16, 2022

    Things to Check before a Long Car Journey

    Road trips have a charm of their own. The fun of a road trip is rarely about the destination, but the journey itself. But what happens if your car breaks down in the middle of the trip? And if that happens on a lonely stretch or at an ungodly hour, your dream trip can quickly turn into a terrifying nightmare. To save yourself from hefty expenses, you may have bought a good online car insurance policy, but that would not help you with the stress and time invested in bringing the situation under control and resuming your travel. However, timely car checks and preparing your car for a long road trip can save you from unnecessary trouble during the journey. Here are some things you must check before embarking on a long road trip.

    Top 10 car inspections to perform before hitting the road:

    Check your battery

    Nothing can be more frustrating than being stranded on the road because your car’s battery gave up midway. Therefore, checking your car’s battery before a road trip must top your list of priorities. Whether it's too cold or hot, running a car in extreme conditions can take a toll on your car's battery. Also, if your car battery is more than three years old, you should get it tested at one of your nearest certified garages. You may go for a battery replacement if you are not satisfied with its condition.

    Car insurance policy

    Before revving up your car’s accelerator and kickstarting your trip, remember to check your car insurance policy. You must know its terms and conditions to be better prepared in the face of a mishap. If you are planning a long road trip, you may even want to expand its coverage by buying relevant add-ons such as roadside assistance cover, engine protection cover, and more. Also, see if your car insurance policy is up to date. If it has expired, online car insurance renewal can help you in securing your drive in no time.

    Replace air filters

    If you have not replaced your car's air filters in a long time, you may be setting yourself up for a bad trip. Driving with clogged air filters inhibits fresh air from reaching your engine, causing gradual damage to the engine and other internal components. To make your journey pleasant and free of any unnecessary halts, consider using washable and reusable air filters for greater filtration.

    Emergency kit:

    Irrespective of the length of your planned road trip, it is never a good idea to drive your car around without an emergency kit. Before taking your car out of the parking lot, check for the first-aid kit. You may also opt for a personal accident cover along with the car insurance policy to safeguard yourself during road mishaps. Meanwhile, an emergency kit is more than a first-aid kit. It should include a flashlight, jumper cables, some basic car repair equipment, flares, and a few other items.

    Fill the fuel tank

    If you are planning an adventurous trip to the mountains or some far away remote place, make sure your car's fuel tank is full. It is not uncommon to find travellers stranded on roads because they ran out of fuel. Plus, hilly terrains and remote areas may not have many petrol pumps in the vicinity. Therefore, to avoid an unpleasant encounter like this, make a note of this pointer on your checklist before you start your journey. If you are driving an electric vehicle, check to see if it is fully charged.

    Car lights

    If you are taking your car out on the road during night hours or in foggy conditions, you must check your car's headlights. If your car lights are not working or if their brightness has gone down, consider replacing them with new ones. Driving with dim headlights is not only difficult but is riskier as well.

  • Top 10 Most Important Traffic Rules For Car Drivers

    by Almog Ramrajkar | Nov 16, 2022

    Road mishaps are a major source of concern for both citizens and the government in India. According to the National Crime Records Bureau (NCRB) data, every 100 road crashes in 2017, 2018, and 2019 resulted in 32, 34, and 35 deaths, respectively. To curb the number of road mishaps and lower the death rate due to accidents, the Ministry of Road Transport & Highways (MoRTH) has laid down several road safety rules in India. Since the number of vehicles on the road is increasing with each passing day, it is important to educate ourselves on various road safety and traffic rules in India. Today, we will look at some important four-wheeler traffic rules in India.

    Top 10 most important traffic rules for car drivers

    1. Do not drink and drive

    Drinking and driving may look like fun but it is far more dangerous not just to self but for others too. Besides risking the lives of people on the road, co-passengers and self, being caught driving while inebriated can land you in big trouble with authorities.

    What do four-wheeler traffic rules in India have to say about drunken driving? 

    • According to Indian law, if you are found driving with a blood-alcohol level of more than 0.03% in your body, then you are breaking the law. 
    • The permissible limit for alcohol is 30mg per 100ml of blood. 
    • If you are found drinking and driving, you will be penalized for an amount ranging from Rs 2,000 to Rs 10,000. 

    Drunken driving also attracts imprisonment for a period ranging from 7 months to 4 years.

    2. Car Insurance

    According to the MV Act of 1981, driving without minimum coverage in the form of third-party liability cover can attract penalties. If your car is not insured or if your car insurance has expired and you are still driving the uninsured car, the traffic authority can fine you for Rs 2,000. If the same offense is committed again, a penalty of up to Rs 4,000 can be imposed.

    3. Always wear your seat belt

    Don't call yourself a safe driver if you don't wear your seat belt around your chest and waist habitually. Driving a car with a seat belt not only ensures your safety but is also mandatory under the law. If you are caught breaking this car traffic rule, you could face a fine of up to Rs 1,000.

    4. Don't use a mobile phone while driving

    Using a cell phone while operating the steering wheel can cause distraction and lead to an accident. According to the new MV rules that came into effect on 1 October 2020, the driver can use his or her mobile phone only as a navigational device. If you are caught talking on the phone or for any purpose other than navigation, you will be fined for an amount up to Rs 5,000. Using a phone while driving can attract imprisonment for a year.

  • Basic Car Insurance Maintenance Checklist

    by Almog Ramrajkar | Nov 16, 2022

    Regular car maintenance is essential to keep it in top condition. While you need to replace some parts from time to time, regular checks can help extend the life of your car and cut down visits to repair shops. In the process, they also help you save money and ensure you drive optimum performance from your vehicle.

    Also, checking the fitness of a car isn’t as time-consuming as you think. Regular fitness checks encompass a range of things, and this article covers all of them. What are these? Let’s find out.

    Level of Engine Oil

    Engine oil has a vital role to play in your car’s performance. It is essential for the smooth running of the engine, curbs fuel emissions, and enhances the engine's overall performance. The engine oil also helps cool the engine circuit and protects it from corrosion. The additives in engine oil slow the process of corrosion, thereby enhancing the engine's lifespan.

    Hence, you must always ensure that the engine oil is maintained at optimum levels. Use a dipstick or an electronic gauge to check the level of oil. Make sure to get the level right before driving. Also, check its texture. It should be translucent and smooth. If you find it too dark, you should change it immediately.

    Inspection of Tires

    There’s nothing more irritating than finding your tires deflated before driving. Also, tire blowouts while driving can be dangerous and put your life at risk. Hence, you must always inspect them to check for leaks and punctures. Equally vital is to ensure that tires have optimum pressure. Proper tire pressure prevents accelerated wear and tear, which could lead to premature tire replacement.

    On the other hand, excessive heat is generated if you drive with under-inflated tires, which could push tires to the point of failure. Hence, always inspect the tires at least once a week or fortnight. Equally essential is to make sure the spare tire is in good condition. Regularly check it for optimum pressure and get leaks and punctures fixed.

    Check Other Fluids

    Along with engine oil, other fluids in your car play a vital role in its performance. Your car’s performance can suffer drastically if any of these fluids leak. These include:

    • Coolant
    • Power Steering Fluid
    • Brake Fluid
    • Transmission Fluid

    Therefore, you must closely watch on them and ensure they don’t leak. Each of these fluids has a distinct color through which you can identify them in case of leakage. If you spot a leakage, take your car to the mechanic without delay. Also, just like engine oil, make sure the levels of these fluids are maintained at optimum levels.

    Inspect Your Car’s Battery

    The battery is the heart of your car. For ultimate car performance, the battery must be in top shape. Hence, you must regularly inspect it to ensure it’s in proper condition. If you find these signs, they are a warning signal of a failing battery:

    • Dim headlights: If your headlights are dim or weaker than usual, it’s time to sit up and take a note. It means that the battery is not able to power the electrical components.
    • Slow crank: If your engine cranks at a slower pace than usual, it’s a warning sign. It suggests that the battery might be nearing its end.
    • Backfiring: It is one warning sign that you can’t afford to miss. A failing battery will cause sparks, leading to fuel accumulating in cylinders. When you ignite this fuel, your car backfires.

    If temperatures get too high in your area of residence, car batteries don’t last long. Hence, you must take special care of your car’s battery and examine it for corrosion signs. If your car doesn’t start as effortlessly as it used to, clean the battery's contact points.

  • Petrol vs. Diesel: How Car Fuel Affects Your Car Insurance Premium?

    by Almog Ramrajkar | Nov 16, 2022

    Just as not all cars cost the same, all car insurance premiums also do not cost the same. Of the many factors that influence a car’s premium, one is the fuel type or variant of the car. Whether your car is a petrol or diesel variant affects the cost of car insurance premiums. Wondering why? The reason is simple. The car fuel type impacts many other factors that have a direct influence on the insurance cost. Some of those factors are:

    1) Cost of the vehicle

    The cost of the vehicle is important in determining insurance premiums. A diesel car is often priced higher as compared to its petrol counterpart. Since the price of a car is directly related to the cost of its insurance, the higher the price of a car the higher will be the insurance charge. You will find this when you compare the online car insurance cost for diesel and petrol cars.

    2) Cost of repair

    Cost of repair can have an impact on the insurance premium charged. Typically, a car with a diesel engine involves a higher cost of maintenance over the years. So, insurance companies tend to charge a higher premium for cars with a diesel engines when compared to their petrol counterpart. The same is also true for high-end cars and cars with expensive spare parts.

    3) Insurance Declared Value or IDV

    It is the estimated market value of a vehicle and has a direct impact on the cost of insurance premiums. Since the cost of a vehicle with a diesel model is higher, its IDV will also be higher, thereby affecting the cost of insurance. The decrease in the IDV of a diesel car would be slower so the renewals would still be more expensive than that for petrol variants.

    4) Engine capacity

    The engine capacity of the vehicles can also influence the cost of insurance premiums for the cars.  Since the engine capacity of diesel-driven cars is it raises the parameters on which the cost of insurance is valued. On the other hand, petrol-driven cars have a comparatively lower level of engine capacity.

    5) Fuel efficiency

    One of the most important factors that must be considered while buying a car is its fuel efficiency. Petrol cars are best when it comes to achieving initial power but diesel cars run best in higher gears. In the long run, diesel cars seem to be more fuel-efficient than petrol cars.

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