Chandigarh, known for its vibrant culture and planned architecture, sees growing traffic from both locals and tourists. With the rise in road incidents like accidents and theft, having reliable car insurance is essential. This guide covers key insights on choosing the right car insurance in Chandigarh and the benefits it offers.

Features of car insurance

Let us start by exploring the key features of car insurance in Chandigarh:

• Extensive coverage: Insurance provides comprehensive financial protection against accidents, theft and natural disasters.
• Online convenience: You can easily purchase or renew your car insurance through streamlined online platforms designed for straightforward policy management.
• Cashless claims: You will also benefit from hassle-free, cashless garage services across a range of authorised providers without upfront payments.
• 24/7 customer support: Dedicated support teams are available around the clock to assist with any enquiries whenever you need them.
• Customisable add-ons: You can also enhance your policy with optional extras like zero depreciation, engine cover, and roadside assistance to meet your unique needs.
• Quick claim settlement: Efficient claim processing guarantees quick and favourable resolutions. It reduces your inconvenience and gets you back on the road faster.
• Personal accident coverage: You will receive compensation for medical expenses if you have serious injuries.

Types of car insurance policies in Chandigarh

Here are the available options:

• Third-party insurance: This basic policy covers damage your vehicle may cause to others or their property, but it does not cover damage to your own vehicle.
• Standalone own damage insurance: This policy covers damages to your own car. You can purchase it if you already have third-party insurance.
• Comprehensive car insurance: It is an extensive policy that combines third-party and own damage cover. It provides broad protection against theft, damage and liabilities.

Benefits of car insurance policies in Chandigarh

The benefits of investing in a good car insurance policy are as follows:

• Financial Security: Protects against the high costs of vehicle repairs, theft, and other damages.
• Legal Cover: Keeps you compliant with Indian traffic laws to avoid potential fines.

Coverage offered under car insurance in Chandigarh

Here are the coverage offered:

• Accidents and collisions: Covers minor scrapes and major accidents, and ensures your vehicle repair costs are managed without financial strain.
• Theft and vandalism: Provides compensation for the theft of your vehicle or damages due to vandalism. It is crucial for urban vehicle security.
• Natural disasters: Offers coverage against damages from floods, earthquakes and cyclones.
• Fire and explosions: Protects against the severe impacts of fire and explosions, which can cause substantial damage to your vehicle.
• Third-party liabilities: Ensures coverage for damages your vehicle might cause to third parties, including injury, death or property damage.
• Man-made disasters: Covers damages from riots, strikes, and other forms of civil unrest that might affect your vehicle.
• Total or partial loss: Helps cover the loss if your vehicle is damaged beyond repair or stolen. It provides significant financial relief.
• Damages in transit: Protects your investment in your vehicle against common risks like accidents or damages while transporting it.

How to buy car insurance online in Chandigarh?

Simply follow these steps to avail a policy:

1. Access a trusted platform: Visit a reliable insurance comparison site like Policybazaar.
2. Enter details of vehicle: Click on the "Car Insurance" tab. Then, input your car number, or select the "Brand New Car" option.
3. Select your RTO: Choose your Regional Transport Office (RTO) in Chandigarh from the list.
4. Provide car information: Fill in details like the car’s make, model, variant, and registration year.
5. Compare policies: Review available insurance plans. Compare features, benefits and premiums to purchase the most suitable one.
6. Choose add-ons: Opt for additional coverage like zero depreciation or roadside assistance if needed.
7. Complete payment: Use a safe payment method to pay the premium online.
8. Receive your policy: Your policy document will be emailed to you once payment is confirmed.

FAQs

1. What does car insurance in Chandigarh cover?

Car insurance in Chandigarh provides financial protection against damages from accidents, theft and natural disasters.

2. How do car insurance agents in Chandigarh assist in selecting policies?

Car insurance agents in Chandigarh can guide you through various policies. They will also help you tailor the coverage to meet your specific driving needs and circumstances.

3. Why choose comprehensive car insurance in Chandigarh?

Comprehensive car insurance in Chandigarh offers extensive protection for your vehicle against all forms of damage.

Conclusion

Securing reliable car insurance becomes essential as the traffic on Chandigarh roads is increasing. Policies like third party car insurance will give basic protection. They shield you from liabilities due to accidents involving other vehicles or property. For complete peace of mind, consider upgrading to comprehensive coverage that ensures that you are financially safeguarded in any situation.

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.

Gurgaon is one of India's burgeoning IT hubs and deals with its share of urban challenges, such as heavy traffic and a higher incidence of road mishaps. In this busy environment, having a robust car insurance policy becomes crucial to safeguard you against financial setbacks due to accidents, thefts or other damages to your vehicle.

Features of car insurance

Car insurance Gurgaon offers several essential features that provide comprehensive protection and peace of mind.

• Comprehensive cover: This feature covers damages to your own vehicle as well as third-party liabilities and ensures complete protection in various situations.
• Theft cover: Theft cover is a crucial feature that can compensate you up to the insured's declared value if your car gets stolen.
• Personal accident cover: This feature offers compensation for death or bodily injury to the owner-driver of the vehicle.
• Add-ons: This feature allows you to enhance your policy with additional covers such as Engine Protection, Zero Depreciation and Consumables Cover. They are designed to meet the challenges of driving in Gurgaon, especially during the rainy season.

Types of car insurance policies in Gurgaon

Residents of Gurgaon can select from three primary types of car insurance policies. Let us understand this better:

1. Third-party insurance: A third-party insurance is the minimum legal requirement— it covers you against liabilities for injuries to other people and damage to their property.
2. Standalone own damage insurance: This takes care of the damage to your vehicle that happens due to accidents, theft and natural calamities. It will not cover the financial liabilities of the other party involved in the accident, so it is suitable if you already possess third party car insurance.
3. Comprehensive car insurance: This insurance covers both third-party liabilities and damages to your own car, along with theft and personal accident cover.

Benefits of car insurance policies in Gurgaon

Choosing the right car insurance in a city like Gurgaon will offer you many benefits like:

• Legal compliance: Ensures you meet the mandatory insurance requirements set by Indian law.
• Financial protection: Shields you from the potentially high costs of repairs after an accident or replacing a stolen vehicle.
• Risk coverage: Protects against diverse risks including accidents, theft, natural disasters and third-party claims.

Coverage offered under car insurance in Gurgaon

It is important to know what is included in your car insurance Gurgaon before you opt for it. Coverage typically extends to:

• Third-party liabilities: Protects you from the costs associated with injuries or damages caused to someone else or their vehicle.
• Natural disasters: Covers damages to your car caused by natural events like cyclones, earthquakes and hurricanes.
• Man-made disasters: Includes damages from incidents such as strikes, riots and terrorist attacks.
• Theft and burglary: Compensates you for the loss of your car due to theft or burglary.
• Losses from fire: Offers coverage for damages to your vehicle that happens from fire.

How to buy car insurance online in Gurgaon?

Availing car insurance in Gurgaon online is a more convenient option as it saves time. Let us see in detail how you can do it:

1. Select a provider: Visit reputable online insurance portals like Policybazaar.com.
2. Enter vehicle details: Input your car’s registration number or select your vehicle’s make, model and year from the list provided.
3. Choose your Regional Transport Office (RTO): Specify the RTO location that is associated with your vehicle’s registration.
4. Select the insurance plan: Pick the type of insurance—third-party, standalone damage or comprehensive—that best suits your needs.
5. Add-ons: Choose any additional coverages, such as zero depreciation or engine cover, that you want to include in your policy.
6. Complete the purchase: Fill out your details, review your policy and pay the premium using online payment methods.

FAQs

1. How do I choose a car insurance agent in Gurgaon?

Select a car insurance agent in Gurgaon based on their reputation, policy options and customer service effectiveness.

2. Is third party car insurance adequate in Gurgaon?

While third party car insurance fulfills legal requirements in Gurgaon, considering the traffic conditions, a comprehensive policy is advisable for better protection.

3. Where can I get the best car insurance in Gurgaon?

For the best car insurance in Gurgaon, compare policies online through reputable platforms to assess coverage options and pricing.

Conclusion

In Gurgaon's unpredictable traffic, the right car insurance is important, not just for legal compliance but for significant financial protection. Comprehensive car insurance covers a range of events—from collisions and theft to damage from natural disasters. This means that the policy helps pay for repairs to your car and covers any legal fees and damages awarded to other parties if you are at fault in an accident.

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

In the busy city of Ahmedabad, where traffic is heavy and road crashes are not unusual, having reliable car insurance is more than just a legal requirement—it's necessary for your peace of mind. With irregular traffic and road maintenance issues in certain areas, your car can suffer damage in accidents or get into an unfortunate incident. An insurance policy will cover the costs associated with such events.

Features of Car Insurance

Here are the key benefits of car insurance in Ahmedabad:

• Comprehensive Coverage: Protection against loss or damage caused by natural disasters and man-made situations like theft, accidents and riots.
• Network Garage Access: Access to a large network of workshops.
• Customisation Options: Flexibility to add various add-ons to boost your insurance coverage based on your unique needs
• Online Claim Submission: You can submit the claim online without the need to visit the insurer’s office.
• Digital Policy Management: Easier to buy, renew or customise your policy online.

Types of Car Insurance Policies in Ahmedabad

Car insurance companies in the city offer two main types of plans:

• Third-Party Car Insurance

This is the minimum requirement under the Motor Vehicles Act of 1988. Third-party car insurance covers costs for any loss or damage suffered by a third party or their property due to your car. While it comes with lower premiums, it doesn't provide any security for your vehicle.

Third-party insurance is ideal for those who live in less crowded parts of Ahmedabad or use their cars rarely. It provides the basic coverage necessary to meet legal requirements.

• Comprehensive Car Insurance

This covers third-party liabilities and damage to your car caused by accidents, natural disasters, or vandalism. It also covers theft and total loss. Comprehensive car insurance also offers you the opportunity to customise your policy by adding various add-ons.

Benefits of Car Insurance Policies in Ahmedabad

Here are the main perks of getting car insurance in Ahmedabad:

• Financial Protection: Acts as a crucial safety net covering repair or replacement costs in case of damage to your car during covered events
• Peace of Mind: When you know you're covered against unforeseen situations, you drive with confidence
• Protection Against Theft: If your car is stolen, you get financial support.
• Natural Disaster Coverage: Protection against harm from monsoons and other natural disasters

Coverage Offered Under Car Insurance in Ahmedabad

Most comprehensive car insurance plans in Ahmedabad cover:

• Vehicle damage due to accidents
• Damage from fire spreads or natural events
• Third-party liabilities
• Loss or theft of the covered car
• Personal accident cover for injuries or death

How to Buy Car Insurance Online in Ahmedabad?

Purchasing car insurance online in Ahmedabad is incredibly simple. Follow these steps:

• Visit your insurance provider's website or mobile app
• Enter your car registration number and click on "get price" or "check prices"
• Provide car information (registration number, make, model) and personal details (mobile number, email ID, address, etc).
• Review different insurance plans
• Select a policy and any add-ons
• Make the fee payment
• Receive your policy confirmation via email

The process typically takes a few minutes and needs minimal paperwork.

FAQs

1. Is car insurance mandatory in Ahmedabad?

Under the Motor Vehicles Act of 1988, at least third-party car insurance coverage is required for all vehicles in Ahmedabad and throughout India. Driving without legal insurance can result in fines.

2. How do I choose the best car insurance package in Ahmedabad?

Compare plans based on coverage, prices, insurer’s claim settlement ratio, customer service, network garage availability and add-on benefits. Consider your driving habits and the places in Ahmedabad where you usually drive.

3. How can I lower my car insurance rate in Ahmedabad?

You can reduce premiums by maintaining a good driving record, installing anti-theft devices, avoiding needless add-ons, and utilising the no-claim bonus, if any.

4. What is the IDV in car insurance?

IDV (Insured Declared Value) is the highest amount you will get in case of total loss or theft involving your car. It reflects your car's current market value.

5. What add-on plans should I consider for my car insurance in Ahmedabad?

Popular add-ons include zero depreciation cover, engine protection cover, roadside assistance, no claim bonus protection, return to invoice and consumables cover.

Conclusion

Given Ahmedabad's traffic conditions and busy roads, having a comprehensive car plan is a smart choice. It offers financial safety against accidents, damages and theft.

By knowing the different types of plans and their benefits, you can make an informed choice that best suits your needs. Remember, the right car insurance isn't just about meeting legal obligations—it's about ensuring peace of mind whenever you get behind the wheel in Ahmedabad's busy streets.

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.

Kolkata, often called the "City of Joy," is one of India's biggest urban areas. The city experiences heavy traffic, difficult road conditions and occasional natural disasters. These factors make car insurance not just a law requirement but a real necessity for every vehicle owner in the city.

Statistics show that West Bengal reported approximately 1,948 road crashes in 2022 alone, with Kolkata ranking 15th among Indian cities. The city also regularly experiences storms and strong rains, which can damage cars greatly. With such risks, having the best car insurance in Kolkata becomes important for financial safety.

Features of car insurance

Car insurance is a crucial financial safety net that protects vehicle owners from unexpected expenses arising from accidents, theft or damage. A standard policy typically includes third-party liability coverage, which is a legal requirement, as well as options for own damage and comprehensive coverage. Additional features like personal accident cover, cashless repairs at network garages and no-claim bonus rewards for safe driving add further value. Many insurers also offer optional add-ons such as roadside assistance, engine protection and zero depreciation cover, allowing policyholders to customise their plans based on individual needs. Overall, car insurance offers peace of mind by ensuring financial protection on the road.

Types of car insurance policies in Kolkata

Car insurance companies in Kolkata offer two main types of plans to meet different needs:

Third-party insurance

According to the Motor Vehicles Act of 1988, this is the minimum insurance required by law. Third-party liability protection covers financial responsibilities resulting from any injuries/death caused to third parties or damages to their properties in an accident involving your car. This insurance only covers third-party claims and does not protect your vehicle.

Comprehensive car insurance

As the name suggests, a comprehensive car insurance policy provides complete protection by combining the benefits of third-party liability coverage with own damage protection. It safeguards the insured vehicle against a wide range of risks, including theft and damages or total loss caused by accidents, natural disasters as well as man-made incidents. This all-inclusive plan ensures peace of mind by offering extensive coverage beyond just third-party liabilities.

Benefits of car insurance policies in Kolkata

Some of the benefits of investing in the best car insurance in Kolkata are:

• Financial protection: Car insurance prevents your savings from being drained in case of crashes or losses. Repair or replacement costs can be large, especially for newer models with expensive parts. Insurance ensures the expenses are met according to your coverage terms.
• Legal compliance: Driving without third-party car insurance is illegal in India and can result in fines of up to ₹2,000 and/or jail. Having the policy ensures you stay on the right side of the law.
• Protection against natural calamities: Kolkata frequently sees heavy rains, floods and storms. Comprehensive insurance covers losses caused by these natural disasters, which are common in the city.
• Coverage for Vehicle Theft: With Kolkata ranking high for vehicle thefts, insurance provides financial assistance if your car is stolen, allowing you to replace it without facing any monetary loss.

Coverage offered under car insurance in Kolkata

Comprehensive car insurance in Kolkata is designed to safeguard drivers against unexpected expenses arising from several unforeseen events.

What's included:

• Third-party liabilities
• Damage to your car from crashes, strikes or fire
• Protection against natural disasters like storms and hurricanes
• Coverage for man-made disasters like riots and damage
• Theft of the vehicle
• Personal accident cover for the owner/driver

How to buy car insurance online in Kolkata?

The process of buying car insurance online in Kolkata is straightforward:

• Visit an insurance provider or third-party aggregator's website or app
• Enter your car's registration number or select "Brand New Car" if applicable
• Provide information about your car's make, model, version and licence year
• Fill in your personal information
• Compare quotes and select the most suited plan
• Choose add-on covers if needed (like zero depreciation or mobile help)
• Make the payment online
• Receive your policy papers via email

FAQs

1. How can I lower my car insurance rate in Kolkata?

You can lessen your insurance cost by maintaining a clean driving record and accumulating a No Claim Bonus (NCB). Some insurers also offer lower premiums for cars with anti-theft gadgets and advanced safety features.

2. What documents do I need to make a car insurance claim in Kolkata?

The papers needed include a driver's licence, vehicle registration certificate, photos of the car and identity and address proof.

3. How much car insurance coverage do I need in Kolkata?

Given Kolkata's road conditions, regular floods and danger of vehicle theft, complete coverage is suggested for most car drivers. The best coverage depends on your car's age, value, driving habits and income.

4. Can I transfer my No Claim Bonus when changing insurers?

Your collected NCB can be transferred when you switch to a different insurance company. You'll need to receive an NCB certificate from your present insurer before the coverage ends.

5. Is third-party car insurance enough for driving in Kolkata?

While third-party insurance meets the legal requirement, it's rarely sufficient. Complete insurance gives significantly better security against losses, common in Kolkata's environment.

Conclusion

Finding the best car insurance in Kolkata is important to get adequate coverage. Comprehensive coverage gives full peace of mind by covering both third-party claims and own damages.

Given Kolkata's unique challenges, such as frequent flooding and traffic jams, investing in a good car insurance policy is about legal compliance and ensuring financial security and peace of mind while driving in the city.

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.

Delhi, the capital city and one of India's most popular urban places, is known for its heavy traffic and high car density. This necessitates a comprehensive car insurance cover to financially safeguard yourself in the event of unfortunate events like accidents, damages or theft.

Features of Car Insurance

Car insurance in Delhi starts at an affordable price for basic third-party coverage, while comprehensive coverage will come with a higher premium but with additional features. Most insurers provide 24x7 emergency help as a normal feature in extensive plans, ensuring you're never stuck on Delhi's busy roads in case of an unwanted incident.

Additional features often include:

• Engine safety coverage, particularly useful during Delhi's uncertain monsoons when waterlogging is common
• Zero depreciation claims, which allow for full claim amounts
• Personal accident cover for the owner-driver
• Access to vast networks of cashless garages

Modern insurers have simplified the process with quick digital claim payments and minimal paperwork, making it easier than ever to maintain proper coverage and ensure settlements.

Types of Car Insurance Policies in Delhi

Here are the types of best car insurance in Delhi:

• Third-Party Liability Insurance

This is the minimum legal standard for all Delhi cars as required by the Motor Vehicles Act, 1988. The plan covers financial obligations resulting from accidents, death, or property loss caused to third parties in an accident involving your vehicle. While third-party insurance comes with a lower premium, it does not cover your own car.

• Comprehensive Car Insurance

As the name suggests, this policy offers extensive coverage. It includes third-party liabilities and also covers damages to your own car due to accidents, theft, natural disasters and man-made incidents.

Key benefits of comprehensive car insurance

Natural Calamities Coverage: Protection against damages from events like earthquakes, floods, cyclones and storms.

Man-Made Disasters Coverage: Covers incidents such as theft, riots and vandalism.

Accidental Damage: Financial protection against repair costs arising from accidents.

Theft Protection: Compensation in case your car is stolen.

Personal Accident Cover: Provides coverage for injuries sustained by the driver during an accident.

Benefits of Car Insurance Policies in Delhi

The benefits of broader car insurance coverage stretch far beyond basic compliance with Delhi’s unique mix of car-related problems.

• Financial Protection: A comprehensive car insurance policy safeguards you from major repair costs after crashes or damage caused by natural disasters.
• Legal Compliance: Driving without at least third-party car insurance in the city can result in hefty fines. Insurance ensures you stay compliant with driving laws and avoid penalties.
• Protection During Adverse Weather: Delhi's uncertain weather, especially during monsoons, can cause waterlogging and damage your vehicle's engine. With suitable add-ons like engine protection cover, you can protect your car against weather-related damages.
• No Claim Bonus Benefits: Insurance companies reward claim-free years with bonuses, which can reach up to 50% after five straight claim-free years. This incentive for safe driving lowers long-term insurance costs.
• Peace of Mind: Perhaps the most valuable benefit is the peace of mind that comes from knowing you're safe against Delhi's typically uncertain traffic conditions, possible crime and natural disasters.

Coverage Offered Under Car Insurance in Delhi

With the city's unique challenges, knowing your insurance's specific coverages ensures you won't face unexpected expenses during claims. Let's examine what comprehensive car insurance plans in Delhi include:

• Third-party responsibility (death, injury, property loss to third parties)
• Damage to your car from crashes, fire
• Theft of the covered car
• Damages from nature disasters like earthquakes and floods
• Damages from man-made events, such as riots or vandalism

How to Buy Car Insurance Online in Delhi?

Purchasing car insurance online in Delhi is remarkably easy. Here is how you can do it:

• Visit your preferred insurance provider's website or app
• Enter your car number or select the option to insure your new car
• Provide car information (RTO, model, version, registration year, etc)
• Enter personal details (name, email, phone number)
• Compare different offers and choose the one that best suits your needs
• Choose add-ons like zero depreciation, engine safety cover, etc.
• Make the payment
• Receive your policy instantly via email

The process usually takes less than 10 minutes and your car’s coverage starts immediately.

FAQs

1. What is the minimum car insurance needed in Delhi?

Third-party liability insurance is required for all cars in Delhi as per the Motor Vehicles Act.

2. How can I get discounts on my car insurance premium?

Maintaining a claim-free record, receiving a no-claim bonus, installing anti-theft devices and choosing higher deductibles and multi-year plans can all result in significant price savings.

3. Is engine safety important in Delhi?

Considering Delhi's waterlogging issues during monsoons, engine protection cover is highly suggested, as standard insurance doesn't typically cover engine damage by water.

4. Is zero depreciation cover worth the extra price in Delhi?

For Delhi car owners, zero depreciation cover is often worth the extra cost, especially for new vehicles. With the city's heavy traffic increasing the probability of damages and parts replacement, this add-on ensures you don't pay out of pocket.

5. Does my Delhi car insurance cover me when driving in nearby states?

Your Delhi car insurance offers coverage throughout India, not just within city borders.

Conclusion

Car insurance in New Delhi isn't just a legal formality—it's important for financial safety in a city known for its heavy traffic and high accident rates. While third-party insurance meets the basic legal requirement, comprehensive coverage with the necessary add-ons ensures wider projection.

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.

Hyderabad is seeing a sweeping increase in visitors and the number of vehicles in Hyderabad has also increased thrice within 12 years. This brings in the significance of car insurance. The need for the best car insurance in Hyderabad relates to the protection of car owners from any financial burdens arising from any mishaps. Let’s look at a few important details of car insurance in Hyderabad.

Features of car insurance.

Searching for car insurance Hyderabad online? Let’s look at some of the key features of car insurance:

• No depreciation: With zero depreciation as an add-on car insurance cover, you get a full settlement. Contrary to normal car insurance, there is no write-off for the car’s depreciation.
• Cashless garage services: Cashless garage networks offer garages where the insured car is repaired. The owner remains free of the hassles of payment since it is directly handled by the insurance provider.
• No-claim bonus: The insurer offers a discount to the policyholder when the owner has made no claims on the insurance.
• Third-party coverage: To compensate the third party for any damages during an accident.
• Personal cover: Insurance to cover the death or disability of oneself, caused due to an accident.
• Towing services: For the convenience of the policyholder, or in case the vehicle is immobilised, towing services come in handy.
• Fast online services: For renewal or a new policy, the approval is quick and requires minimal paperwork.

Types of car insurance policies in Hyderabad

The car insurance price in Hyderabad changes according to the policy type:

Benefits of car insurance policies in Hyderabad

The best car insurance policy in Hyderabad should offer the following benefits:

• Financial security: A car insurance policy offers the maximum financial protection in a crisis, such as a theft or a fire. So, you are protected against the financial strain.
• Third-party responsibility: In an accident, the third party suffers too, and insurance can shield you from any legal charges.
• Regulations and laws: The Motor Vehicles Act makes it mandatory for every vehicle to have at least third-party insurance. Without it, there could be fines and penalties.
• Death cover: An accident’s scariest outcome is death, and it can lead to financial strains on the family. Protect your loved ones in such situations with insurance policies.

Coverage offered under car insurance in Hyderabad

The coverage of any car insurance Hyderabad India depends on the following:

• Inclusions: Third-party damages, personal damages, fire, theft, natural disasters, man-made disasters and in-transit damages.
• Exclusions: Breakdown, general wear and tear, drunk driving and invalid licence.

How to buy car insurance online in Hyderabad?

Looking for car insurance online Hyderabad? Follow these simple steps to get one for your vehicle:

1. Visit the official website of ICICI and fill in the vehicle’s registration number and details. You will receive a quote for your insurance plan.
2. Select the best policy based on your requirements. Compare the features and add-ons.
3. Complete the purchase with secure online payment, and get the policy on your email instantly.

FAQs

1. How do I claim my vehicle insurance?

Visit the ICICI website or the helpline number (1800 2666) in case of a crisis or sudden accident. Next, you can opt for a video or physical car inspection. Get instant approval for repair.

2. What affects my vehicle insurance premium?

Numerous factors determine the car insurance premium, such as the vehicle’s IDV (Insured declared value), model and make, seating and cubic capacity and the type of policy.

Conclusion

Car safety is a major concern among drivers in Hyderabad, and having the right car insurance is essential for peace of mind. Opt for third party car insurance or comprehensive car insurance to enjoy confident rides. 

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.

India’s “IT capital” or “India’s Silicon Valley” are some popular names for Bangalore. With the growth in terms of industries and technology, Bangalore now has India’s greatest number of private cars. This current surge in vehicles has also made the city prone to accidents and increased the demand for the best car insurance in Bangalore. Find out more detailed insights into car insurance with this guide for beginners.

Features of car insurance

The car insurance price in Bangalore remains affordable regardless of the features you enjoy. Let’s look at some of these features:

• Third-party damage cover: A car insurance should cover any physical injury and damage to the third party in case of an accident.
• Own damage cover: Besides third-party cover, the insurance should cover damage due to any natural disaster, fire or collision.
• Roadside assistance: Regardless of your location, an insurance policy with roadside assistance offers convenient repairs.
• Cashless garages network: Free replacement and maintenance services at a wide network of cashless garages.
• No claim bonus: A bonus or discount on your next car insurance if you have not made any claims during the policy period.
• Zero depreciation costs: The car’s depreciation does not affect your settlement prices.
• Hassle-free policy approval: No endless waiting for approval of your car insurance. Enjoy instant approval and effortless renewal.

Types of car insurance policies in Bangalore

Several factors determine the car insurance cost in Bangalore. This includes the vehicle’s IDV, model, make and even the policy type. The following are the most popular policy types:

Benefits of car insurance policies in Bangalore

The following are some benefits of car insurance policies in Bangalore:

• Law compliance: For driving in Bangalore, a third party car insurance is mandatory or you can get a fine.
• Financial protection: You are protected from the financial strain of legal charges if a third party files a lawsuit due to an accident.
• Comprehensive coverage: With comprehensive car insurance, you are protected in every situation. From theft cases to natural calamities, it insures your car from any damage.

Coverage offered under car insurance in Bangalore

A car insurance in Bangalore covers the following:

• Damage due to natural or man-made calamities. From earthquakes to floods to riots.
• The theft of your car, including all the parts.
• Unfortunate accidents or collisions.
• Damage due to fire.
• Legal fees in case of charges due to an accident.

However, it does not include the following factors:

• General wear and tear.
• Mechanical or electrical failure.
• Damage due to war, or outside of India.
• Driving without a licence or under the influence of alcohol.

How to buy car insurance online in Bangalore?

You can purchase car insurance in Bangalore with these simple ways:

1. Get an insurance quote from ICICI’s official website with just your vehicle’s registration number.
2. Compare all features and choose the best policy that applies.
3. Securely pay the insurance price for instant approval.

FAQs

1. Can I drive without insurance in Bangalore?

Insurance is legally mandatory in Bangalore for all vehicles. You could be fined Rs 2000 for driving without one.

2. What are add-ons in insurance?

Add-ons improve your safety with insurance. You can get zero depreciation, a no-claim bonus, roadside assistance, engine repair and much more with add-on covers.

Conclusion

Whether you are opting for third party car insurance or comprehensive car insurance, your vehicle should have one. Protect yourself, your loved ones and others on the road with car insurance and enjoy relaxed rides.

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.

Chennai, a prominent South Indian city with a rich cultural heritage, has emerged as a major economic hub in recent years. However, with rapid urban growth and a rising number of vehicles, the city faces significant traffic congestion and road safety challenges. Chennai is among the top 100 congested cities globally. Hence, car owners would also agree on the importance of the best car insurance in Chennai.

Features of car insurance

The car insurance price in Chennai usually depends on your vehicle’s model, make and Insured declared Value (IDV). Let’s look at some features of the top insurance policies:

Types of car insurance policies in Chennai

The following is a list of the most common car insurance in Chennai:

• Own damage insurance: A standalone own damage insurance provides coverage for damage to your own car in any crisis. This might include collisions, road accidents, theft, fire, natural disasters and even man-made disasters.
• Third-party insurance: Under this policy type, the compensation is only for third-party liability. For example, third-party death, property damage or any disability.
• Comprehensive insurance: A comprehensive vehicle insurance covers your own car damage due to accident, fire, theft or any other disaster, along with any third-party liability.

Benefits of car insurance policies in Chennai

Let’s find out the benefits of vehicle insurance policies:

• Rise in theft cases: In recent years, car theft cases have been increasing. A comprehensive car insurance policy will cover the financial losses in case of a theft.
• Personal accident loss: With car insurance, any injury, disability or death of the driver or car owner is insured.
• Prevents financial strains: Unforeseen expenses for your car can come at any time, and car insurance prevents the expensive bills of repairs in such situations.
• Legally mandatory: In India, car insurance policy is mandatory for driving legally. Under the Indian Motor Act, you can be fined Rs 2000 for driving without one.

Coverage offered under car insurance in Chennai

The best car insurance policy will cover the following cases:

• Damage due to accidents or collisions, including third-party liability.
• Damage due to natural disasters, such as cyclones, tsunamis, hurricanes or earthquakes.
• Damage due to man-made acts of strikes or riots.
• Damage, whether partial or total due to theft.
• Damage due to fire or explosion.
• Damage due to transit of the vehicle.

How to buy car insurance online in Chennai?

Follow these three simple steps to purchase online car insurance in Chennai:

1. Visit the official website of ICICI and fill in your vehicle’s registration details for an insurance quote.
2. Compare prices of different policies and choose the right one for you.
3. Finally, complete your purchase with a secure payment and receive the insurance plan on your contact details.

FAQs

1. How can I renew my car insurance policy in Chennai?

Renewal for your insurance policy is simple with these steps:

• Visit the insurer’s website
• Enter vehicle and policy details
• Choose coverage/add-ons
• Pay online and download your renewed policy

2. Is it necessary to insure my second-hand car?

Regardless of the car being brand new or second-hand, the law mandates insuring your second-hand car.

Conclusion

Securing your car is never easy, but a valid car insurance policy is the first step towards it. Invest in either comprehensive car insurance or third party car insurance to protect yourself from financial losses in unfortunate events.

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.

Owning a four-wheeler in Kerala comes with responsibilities, including getting proper insurance. Car insurance in Kerala isn’t just a legal requirement – it’s a financial protection against accidents, theft and natural disasters. Kerala’s unique geography with coastal areas, highlands, torrential monsoons and dense urban centres makes insurance a safety net, especially as the state is prone to landslides and floods.

Read on to know the features, benefits, types and tips for buying the best car insurance in Kerala.

Features of car insurance

Getting insurance for car in Kerala allows you to avail these important features:

• Financial protection: Covers repair costs after accidents, thefts, irreparable damage and natural disasters.
• Legal protection: Meets the mandatory insurance requirements under the Motor Vehicles Act 1988.
• Third-party liability: Covers damages to other vehicles, properties and individuals.
• Personal accident cover: Provides compensation for disability or death.
• 24/7 Roadside assistance: Offers roadside help, such as free towing, tyre change or battery recharge.
• Customisable add-ons: Offers options like zero depreciation, tyre, engine and pillion rider coverage or enhanced roadside assistance.
• Cashless claims: Allows cashless repairs at network garages across India.
• No-claim bonus: Rewards claim-free years with premium discounts of up to 50%.

Types of car insurance policies in Kerala

There are four types of car insurance in Kerala:

1. Third-party car insurance

This is basic insurance, legally mandatory and covers damages to other vehicles and injury to individuals. However, it does not cover your own vehicle.

2. Standalone own-damage insurance

This policy covers damages to your own car due to unforeseen incidents. It can be purchased alongside third party car insurance.

3. Comprehensive Car Insurance

This all-inclusive policy offers complete protection, covering:

• Own vehicle damage
• Third-party legal liabilities
• Personal accident coverage
• Natural disasters (floods, landslides)
• Man-made disasters (riots, vandalism, theft)

4. Zero depreciation cover

The best car insurance in Kerala generally offers this add-on cover. Under this, the insurer fully compensates the claim amount without deducting the depreciation value of the damaged parts.

Benefits of car insurance policies in Kerala

Investing in car insurance offers several advantages:

• Natural calamities: Kerala’s monsoons can lead to floods and water damage. Comprehensive car insurance often includes engine protection for such scenarios.
• Theft: Rising theft cases make insurance a crucial investment.
• Accident: Covers repair costs for damages after accidents.
• Legal protection: Keeps you compliant with Kerala’s motor laws.
• Peace of mind: Knowing you and the additional rider are financially covered reduces stress during emergencies.

Platforms offering car insurance online Kerala allow easy comparison of these benefits across providers.

Coverage offered under car insurance in Kerala

Coverage depends on policy type, insurer and add-ons. Standard car insurance policies include:

• Repairs or replacement after collisions.
• Compensation if the car is stolen.
• Coverage for fire and explosion.
• Protection against floods, landslides and cyclones.
• Cashless repairs at network garages.
• Third-party injury or property damage.
• Compensation for injury or death of the policyholder.
• Optional coverages like engine, expensive components and zero depreciation.

How to buy car insurance online in Kerala?

Purchasing car insurance Kerala online is made easy by insurers through discounts, digital payments and EMIs on premiums for luxury cars. Here are the steps:

1. Research plans: Compare different insurers’ policy features, premium amounts and claim-compensated-ratio on platforms offering online car insurance Kerala.
2. Visit website: Visit the website of your chosen insurance provider or aggregator.
3. Enter details: Add details like make-model, registration number, address and engine and chassis number.
4. Choose a policy: Select third-party or comprehensive based on your needs.
5. Select add-ons: Choose additional covers if required.
6. Make payment: Get your quote and verify all details. Complete the transaction securely. You will receive the policy softcopy in your email and the hard copy will arrive in 5-7 working days.

FAQs

1. Is car insurance mandatory in Kerala?

Yes, at minimum, third party car insurance is mandatory as per Indian law. Driving without it leads to a fine of Rs 2000 or 3-months imprisonment (As of March 1, 2025).

2. What documents are needed to buy insurance for car in Kerala?

You need your car’s registration number, ID and address proofs and previous policy (if any).

3. How do I renew my car insurance in Kerala?

You can renew online through the insurer’s website or app. Remember to renew before expiry to avoid policy lapse and maintain your no-claim bonus.

Conclusion

Whether you are driving through Munnar’s lush landscapes or braving Wayanad’s monsoons, the right car insurance plan will save money and stress during emergencies.

By understanding the different options and comparing policies online, you can find coverage that meets your needs and budget.

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.

Pune ranks among the top cities in Maharashtra for vehicle ownership, with over 4 million registered vehicles running on its streets daily. This high traffic density increases accident risks and makes car insurance in Pune an important safety cover for owners. The city's unique mix of narrow old-city lanes, modern highways and seasonal monsoon challenges creates specific risks that comprehensive car insurance can address.

This blog explains the key features, types and benefits of the best car insurance in Pune so that you can make an informed decision.

Features of car insurance

Car insurance policies come with several important features that protect vehicle owners. They are:

• Financial security: Covers repair expenses from accidents, theft or other disasters, like floods, terrorist attacks, theft or earthquakes.
• Ensures legal compliance: Helps you adhere to the Motor Vehicles Act- 1988, which mandates third-party liability coverage.
• Personal accident cover: Provides compensation for injuries or death of the policyholder.
• Third-party damage cover: Provides compensation for third-party injury, death or vehicle damage.
• Cashless garage network: Insurers have a large network of garages that offer hassle-free, cashless repairs.
• Add-on options: Maximises protection with additional coverages like zero depreciation, engine protection and 24/7 roadside assistance.

Types of car insurance policies in Pune

Here are the different types of car insurance options:

1. Third party car insurance: Covers damage to others (including vehicle, disability, and death) but not your own vehicle. It meets the legal requirement of the Motor Act but offers limited protection.
2. Own damage (OD) policy: This covers damage to your own vehicle only and can be combined with the mandatory third party car insurance policy.
3. Comprehensive car insurance: Covers both third-party liability and damage to your own vehicle. It covers vehicle damages caused by accidents, collisions, fires or explosion and natural calamities like floods, storms and hurricanes, along with irreparable damage.

Benefits of car insurance policies in Pune

Investing in car insurance in Pune provides several advantages, such as:

1. Financial security: Reduces out-of-pocket expenses for repairs or legal liabilities.
2. Peace of mind: Assures 100% support during unforeseen incidents.
3. Access to network garages: Many insurers offer cashless repairs at partnered garages across Pune.
4. No Claim Bonus (NCB): Rewards policyholders with discounts on premiums of up to 50% for claim-free years.
5. Quick claim settlement ratio: Many insurers in Pune have a high claim settlement ratio, ensuring quick and efficient claims processing.
6. Legal compliance: Third-party car insurance is mandatory in India.

Coverage offered under car insurance in Pune

Car insurance in Pune policies typically cover:

• Third-party liabilities: Injuries or damages caused to others.
• Own vehicle damage: Repairs due to accidents, fire or natural calamities.
• Theft: Compensation if the car is stolen.
• Personal accident cover: Financial support for injuries or death of the owner-driver.

Optional add-ons can include:

• Zero depreciation cover: Ensures full claim without factoring in depreciation.
• Engine protection: Covers engine-related repairs not due to accidents.
• Roadside assistance: Provides help during breakdowns.
• Consumables cover: Covers costs of consumable items during repairs.

How to buy car insurance online in Pune?

Insurers have made purchasing car insurance in Pune online easy:

1. Compare plans: Use online platforms to compare premiums, claim-settlement ratio and car insurance quotes in Pune from various insurers.
2. Select vendor: Select the most suitable insurance company and visit their website or mobile application.
3. Fill application: Enter personal and vehicle details accurately.
4. Select coverage: Choose between third-party or comprehensive insurance and consider necessary add-ons.
5. Make payment: Use secure online methods to pay the premium.
6. Receive policy: The insurer will email the policy document; keep it accessible for future reference.

FAQs

• Is car insurance mandatory in Pune?

Yes, third-party insurance is the bare minimum and legally required for all vehicles in Pune and across India.

• How is car insurance premium calculated in Pune?

Premiums depend on your car's age, model, engine capacity, driving history and the coverage you choose.

• What should I do if my car gets damaged in Pune?

Contact your insurer company immediately, take photos of the damage, file a claim and get your car repaired at a network garage.

• Can I transfer my car insurance when buying a second-hand car?

Yes, you can transfer the existing insurance policy to the new vehicle with proper documentation.

Conclusion

Getting the right car insurance for your vehicle in Pune is not just about meeting legal requirements. It provides essential financial protection that can save cost and stress after accidents or natural disasters.

So, spend time comparing options, understanding policy terms and selecting coverage that fits your needs to drive with confidence on Pune roads.

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.

Mumbai has one of the world’s worst traffic conditions. Dangerously crowded roads and erratic monsoons make car insurance a necessity rather than a choice. Car insurance in Mumbai offers financial protection against accidents, theft and natural calamities like storms that often lead to flooding. Beyond meeting legal requirements, the right insurance saves you from financial losses when unexpected situations arise.

This guide covers everything you need to know about car insurance options in the city.

Features of car insurance

The best car insurance policy in Mumbai offers the following features:

• Financial security: Covers repair costs after accidents, damage from natural disasters and theft.
• Legal compliance: Helps you adhere to the laws established under the Motor Vehicles Act 1988.
• Third-party liability: Pays for damages to other vehicles and injuries to people.
• Personal accident: Provides compensation if you face disability or death from an accident.
• Roadside assistance: Offers 24/7 help when your car breaks down, including towing and basic repairs.
• Cashless claims: Enables repairs without paying upfront at network garages across Mumbai.
• No-claim bonus: Offer discounts on the premium of up to 50% for claim-free years.

Types of car insurance policies in Mumbai

Car owners in Mumbai can choose from these main types of insurance:

1. Third-party car insurance

This basic insurance is legally required and covers damages to other vehicles and injuries to people.

2. Standalone own-damage insurance

This policy covers repairs of your own car due to accidents or other damages. You can buy it alongside the third party car insurance policy.

3. Comprehensive car insurance

This complete protection plan covers:

• Damage to your own vehicle
• Third-party damage cover
• Personal accident coverage
• Natural disasters (floods, storms)
• Damages caused by terrorist attacks, riots or theft

4. Zero depreciation cover

The best car insurance in Mumbai often includes zero depreciation cover as an add-on. It ensures you receive full compensation without deducting the depreciation cost of accessories and parts.

Benefits of car insurance policies in Mumbai

Mumbai’s roads are busy. Accidents and collisions are common. Here’s how car insurance helps:

• Weather protection: Mumbai’s heavy monsoons can cause water damage to your car and engine. Comprehensive car insurance covers these repairs.
• Guards against theft: With rising vehicle theft cases in Mumbai’s urban areas, insurance provides financial recovery.
• Accident coverage: Pays for repairs after collisions on Mumbai’s crowded roads.

Coverage offered under car insurance in Mumbai

What your policy covers depends on the type and add-ons you choose.

Inclusions in comprehensive car insurance:

• Repairs after an accident
• Irreparable damage
• Car theft
• Loss due to fire, self-ignition or explosion
• Natural disasters like floods, cyclones, earthquakes and store
• Damage due to strikes, terrorism, riots, etc.
• In-transit damage sustained by the car
• Third-party damage, injury or death
• Cashless repairs at network garages

Exclusions in car insurance:

• Damages caused when driving without a valid licence
• Injured caused under the influence of alcohol or drugs
• Injuries and damages sustained outside the specified geographical area
• Mechanical or electrical breakdown without accident
• Damaged caused when the car was used for commercial purposes

Add-on covers:

• Engine and gearbox
• Return to invoice
• Roadside help
• Consumables
• Zero depreciation

How to buy car insurance online in Mumbai?

Here are the steps to get online car insurance Mumbai:

1. Compare plans: Use aggregator platforms to check features and reviews.
2. Visit the insurer’s website: Select a policy that suits your needs.
3. Fill in car details: Enter your car make, model, registration and RTO.
4. Pick your policy: Choose a third-party or comprehensive cover.
5. Select add-ons: Add any extra covers like zero depreciation.
6. Check premium: Verify the premium and benefits.
7. Make payment: Use digital payment options to complete the process.
8. Get your policy: Receive the softcopy of the policy via email or WhatsApp.

FAQs

1. Is car insurance compulsory in Mumbai?

Yes. Third party insurance is required by law. You can be fined up to Rs 2K or face 3 months imprisonment without it.

2. What affects the car insurance price in Mumbai

Factors include your car’s make, model, age, engine capacity and your driving history. Vehicles with higher values typically have higher premiums.

3. What documents are needed to buy a policy?

You need your RC, address proof, ID proof and old insurance (if any).

4. How can I lower my car insurance costs?

Maintain a good driving record, install ant-theft systems and renew before your policy expires to keep your no-claim bonus.

Conclusion

Driving in Mumbai has its challenges — from traffic jams to heavy rains. Car insurance is not just a rule to follow. It is a smart move to protect yourself and your car. Whether you choose third party car insurance for legal cover or comprehensive car insurance for full protection, having a valid policy in Mumbai will keep you stress-free.

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

If you are fascinated by the most expensive car models, India offers a diverse range of swift, beautiful, and high-end vehicles that embody prestige, power, and performance.

This blog highlights the ten top expensive cars in 2025, exploring what makes them so pricey and why collectors and enthusiasts highly regard them.

List of world's most expensive cars

Here are some of the world’s and India’s most expensive cars, featuring their best attributes, approximate prices, and links to their official pages:

1. Rolls-Royce Cullinan

Ex.showroom Price: ₹10.50 - 12.25 Cr (approx.)

Rolls-Royce's first-ever SUV, the Cullinan, redefines luxury with its iconic design and high-tech features. Equipped with a 6.75L twin-turbocharged V12 engine producing 563 horsepower, it delivers a supremely smooth ride. The spacious, handcrafted cabin offers premium leather upholstery, starlit headliners, and a panoramic sunroof, making it the pinnacle of opulence on Indian roads.

2. Rolls-Royce Phantom

Ex.showroom Price: ₹8.99 - 10.48 Cr (approx.)

The Phantom remains the epitome of Rolls-Royce luxury, offering a serene driving experience with its ultra-quiet cabin and state-of-the-art technology. Powered by a 6.75L twin-turbo V12 engine, it glides effortlessly.

3. Rolls-Royce Ghost Series II

Ex.showroom Price: ₹8.95 - 10.52 Cr (approx.)

The Ghost Series II is a more driver-focused Rolls-Royce, blending contemporary design with traditional craftsmanship. A 6.75L V12 engine generating 563 horsepower offers effortless acceleration and supreme ride comfort.

4. Lamborghini Revuelto

Ex.showroom Price: ₹8.89 crore (approx.)

Lamborghini's latest hybrid supercar, the Revuelto, boasts a naturally aspirated V12 engine combined with three electric motors, generating 1,001 horsepower. This supercar boasts a top speed of over 350 km/h, aggressive aerodynamics and lightweight carbon-fibre construction, making it a beast on both the streets and the track.

5. Rolls-Royce Spectre

Ex.showroom Price: ₹7.5 crore (approx.)

Rolls-Royce's first fully electric ultra-luxury coupe, the Spectre, combines silent, emission-free performance with the brand's signature craftsmanship. It delivers an estimated 577 horsepower with a 530 km per charge range. The seamless integration of digital interfaces and handcrafted interiors ensures the ultimate EV experience for luxury enthusiasts.

6. Ferrari SF90 Stradale

Ex.showroom Price: ₹7.5 crore (approx.)

The SF90 Stradale is Ferrari's and India’s first plug-in hybrid supercar. It packs a 4.0L twin-turbocharged V8 engine and three electric motors, offering race-car-like performance with cutting-edge hybrid technology.

7. McLaren 750S

Ex.showroom Price: ₹5.91 crore (approx.)

An evolution of the 720S, the McLaren 750S features a 4.0L twin-turbo V8 that churns out 750 horsepower, delivering breathtaking acceleration. Its lightweight construction, aerodynamically optimised body, and driver-focused cockpit offer an unmatched blend of power and precision.

8. Ferrari 812

Ex.showroom Price: ₹5.75 crore (approx.)

The Ferrari 812 is one of the most powerful front-engine V12 grand tourers, offering 789 horsepower from its naturally aspirated 6.5L engine. Its sculpted design, sharp handling, and thunderous exhaust note make it an exhilarating machine for enthusiasts who crave both speed and luxury.

9. Ferrari 296 GTB

Ex.showroom Price: ₹5.4 crore (approx.)

The 296 GTB introduces a hybrid powertrain to Ferrari's mid-engine lineup. It features a 3.0L twin-turbo V6 and an electric motor, producing 819 horsepower. With advanced aerodynamics and an engaging driving experience, it represents the perfect fusion of efficiency and performance.

10. Bentley Flying Spur

Ex.showroom Price: ₹5.25 crore - 7.60 Cr (approx.)

The Bentley Flying Spur balances sophistication with power. This lux sedan has a 6.0L W12 engine delivering 626 horsepower and offers a smooth yet commanding drive. With handmade interiors, rear-seat entertainment, and limousine-like comfort, it remains a top choice for those seeking executive luxury.

Conclusion

These top expensive cars offer a unique combination of performance, luxury, and rarity that justifies their extraordinary price tag. Remember that these high-value automotive marvels come with great responsibility.

A standard car insurance policy is inadequate for automobiles of this calibre, where even minor repairs can cost more than many conventional vehicles. Comprehensive car insurance offers agreed-value coverage, dedicated concierge services, and access to authorised repair facilities with genuine parts. It’s a legal requirement and a crucial factor for responsible ownership.

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 Tata Safari, a flagship SUV from Tata Motors, has established itself as a robust and reliable vehicle on Indian roads. Known for its commanding presence and advanced features, the Safari requires regular maintenance to ensure optimal performance and longevity. Regular upkeep combined with the right insurance policy delivers the confidence to explore any terrain without compromise. Let’s take a closer look at why regular maintenance is essential for your Tata Safari.

Why Tata Safari maintenance & service is important

Regular maintenance is crucial for any vehicle, and the Tata Safari is no exception. Adhering to the recommended͏ ͏Tata Safari service͏ ͏schedule͏ ensures:͏

• Optimal engine performance
• Enhanced fuel efficiency
• Prolonged vehicle lifespan
• Safety on the road
• Preservation of resale value

Tata Safari service schedule

The new Tata Safari service schedule comprises five paid services over five years:

1. First service: 15,000 km or 12 months

• Total cost: INR 13,389
• Included ͏components͏: Air filter, ͏brake ͏͏͏oil͏͏, ͏cl͏͏i͏͏mate ͏͏control air͏ ͏filter, oil filter͏, engine ͏o͏͏il, fuel filter͏.

2. Second service: 30,000 km or 24 months

• Total cost: INR 13,389
• ͏Included components͏: Air filter,͏͏ b͏͏rake ͏oil,͏͏ climate control air͏͏ ͏͏filter,͏͏͏ engine oil͏,͏ fuel filter, oil filter͏, coolant.

3. Third service: 45,000 km or 36 months

• Total cost: INR 14,991
• Included components:͏͏ ͏Air ͏filter,͏ ͏͏͏͏͏brake ͏oil, coolant, climate control͏͏ air ͏filter͏͏͏͏,͏ engine ͏oil,͏ fuel filter͏͏,͏͏͏͏ ͏oil filter͏͏.

4. Fourth service: 60,000 km or 48 months

• Total cost: INR 13,389
• Included components:͏ ͏Air filter,͏ ͏brake ͏͏͏͏͏͏oil͏͏͏͏,͏͏͏ ͏͏͏climate control ͏air͏ ͏͏filter͏͏, ͏engine ͏͏͏o͏͏͏͏͏͏͏i͏͏l͏͏, ͏fuel͏ filter, ͏͏͏͏oil filter͏͏͏.

5. Fifth service: 75,000 km or 60 months

• Total cost: INR 13,389
• Included ͏components͏: Air filter, ͏brake ͏͏͏oil͏͏, ͏cl͏͏i͏͏mate ͏͏control air͏ ͏filter, oil filter͏, engine ͏o͏͏il, fuel filter͏.

Tata Safari service part cost

Understanding spare part costs helps prepare better for long-term ownership. Replacement intervals for critical parts should be discussed during every scheduled service as per the Tata Safari service schedule. Given ͏below͏ are ͏the ͏service ͏part prices for the Tata Safari:

• Engine oil (5 litres): INR 4,950 per change
• Oil filter: INR 900 each
• Wheel alignment: INR 600 per alignment
• Wheel balancing: INR 500 per visit
• Brake pads (front): INR 3,440 per set
• Brake pads (rear): INR 3,440 per set
• Air filter: INR 790 per change
• Fuel filter: INR 2,350 per change

Tata Safari maintenance cost

The͏ maintenance cos͏͏t of͏ ͏͏͏Ta͏͏ta͏ Safari is ͏influenced by͏͏ parts, labour charges͏ ͏͏and͏ service centre practices. On average, service bills range between INR 12,000 and INR 15,000 for newer models. Over five years, this amounts to an estimated INR 68,547.

Things to check while looking for Tata Safari maintenance cost

When evaluating the maintenance cost of Tata Safari, consider the following:

• Service frequency: Adhering to the Tata Safari service schedule ensures timely maintenance.
• Part replacements: Monitor wear and tear on components like brake pads, clutch plates and filters.
• Labour charges: Service centres may have varying labour rates.
• Extended warranties:͏͏ These can͏͏ help ͏͏manage unexpected repair costs.
• Insurance coverage: Comprehensive policies can cover certain maintenance aspects.

Factors affecting Safari maintenance cost

Several factor͏͏s can͏ ͏͏influence ͏the maintenance ͏cost of Tata Safari:͏

• Driving ͏͏͏habits:͏͏͏ Aggressive ͏͏d͏͏͏͏͏r͏͏͏͏͏i͏͏v͏͏i͏͏ng͏͏͏͏͏ can lead͏͏͏͏ ͏͏to faster wear a͏͏͏͏n͏͏͏͏d͏͏ tear.
• Terrain: Regular ͏͏off͏-road ͏driving necessitates more ͏frequent maintenance.
• Climate: Extreme͏ temperatures͏ can͏ affect battery life ͏and ty͏re pressure.
• Fuel quality: Using substandard fuel can impact engine performance.
• Service centre: ͏Aut͏h͏orised centres may charge͏͏͏ ͏͏more but͏͏ ͏ensure ͏͏͏͏genuine͏ ͏parts͏ ͏an͏͏d expertise.

FAQs

1. How often should a Tata Safari be serviced?

As per the Tata Safari service schedule, servicing should occur every 15,000 km or every 12 months.

2. What is͏ ͏the ͏aver͏͏age ͏maintenance cost͏͏ of͏ ͏Ta͏͏͏͏ta͏ Safari over͏ five ͏years?

The estimated ͏͏͏maintenance cost of͏ ͏Tata͏ Safari over five ͏͏y͏͏ears ͏͏is INR 6͏8,54͏7.͏͏

3. Are genuine parts necessary for each service?

While ͏genuine Tata Motors parts ensure optimal performance and warranty compliance, certified ͏aftermarket͏͏ ͏parts offer cost savings but ͏͏͏ma͏͏y affect longevity.͏͏͏

4. How does driving style impact maintenance?

Aggressive acceleration and ͏͏frequent heavy ͏braking ͏accelerate component ͏wear͏, ͏increasing both service frequency and part ͏costs͏.͏

Conclusion

Proper maintenance o͏͏f the Tata Safari͏ ͏ensures the S͏U͏V͏ remains powerful, ͏safe and͏ enjoyable͏͏ ͏to͏ drive͏ ͏for͏͏ years. Besides regular servicing, investing in the right car insurance is critical. Third party car insurance is mandatory and protects against legal liabilities, but comprehensive car insurance offers broader protection, including own-vehicle damages. Thus, opting for comprehensive car insurance is highly advisable for a stress-free Tata Safari ownership experience.

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. 

Built on a robust monocoque chassis and powered by a torquey Kryotec diesel engine, the Tata Harrier is engineered to tackle diverse terrains confidently. However, like any finely tuned machine, it requires consistent care to perform at its best. Following the Tata Harrier service schedule keeps performance crisp, safeguards warranties and helps you budget the Tata Harrier service cost.

In this blog, we’ll break down everything you need to know to keep your Tata Harrier running smoothly.

Why Tata Harrier maintenance & service is important

Skipping oil changes or inspections can lead to serious issues such as turbocharger damage, warped brake rotors and a noticeable rise in overall Tata Harrier maintenance costs. Routine upkeep supports favourable premiums when you renew car insurance, proof of timely service can unlock discounts and a stamped booklet prevents claim disputes. Additionally, periodic fluid flushes sustain emission compliance, easing pollution checks.

Tata Harrier service schedule

Before spending on service or repairs, mark the factory-approved service schedule of tata harrier. Staying within the grace window protects extended-warranty rights and keeps roadside-assist benefits active.

Tata Harrier service part cost

Here are the indicative MRPs (₹) affecting the maintenance of Tata Harrier:

• Engine oil (6.5 L synthetic): ₹3,800
• Oil filter: ₹450
• Air filter: ₹780
• Fuel filter: ₹2,100
• Cabin filter: ₹550
• Brake pads (front): ₹3,200

 Figures reflect Tier-1 city invoices and include GST.

Tata Harrier maintenance cost

Here's an overview of the routine service costs of Harrier:

The total maintenance cost over four years is approximately ₹55,000. Purchasing an annual maintenance contract can help smooth out cost fluctuations, while pairing it with comprehensive car insurance shields against accidental losses during the same tenure. Remember, the service cost of Tata Harrier in non-metro towns may dip by five to seven per cent, thanks to lower labour rates.

Things to check while looking for Tata Harrier maintenance cost

 Here are a few things to check to avoid inflated figures:

1. GST breakup – parts and labour follow different slabs.
2. Duplicate consumables – engine oil must not appear twice.
3. Complimentary ECU or ADAS software updates – always free.
4. Wheel alignment – negotiate inclusion in the package.
5. Non-OEM accessories – may void claims and raise the service cost of Harrier later.

Factors affecting Tata Harrier maintenance cost

Maintenance costs can vary due to different driving conditions. Aggressive driving wears clutches faster, coastal air corrodes suspension joints and low-quality diesel clogs the DPF, raising the maintenance cost of Tata Harrier. Extended warranties, prepaid AMC plans and add-ons within third party car insurance or, better yet, comprehensive car insurance can soften these variables by covering engine damage, towing and consumables. Even parking habits matter; shaded spots protect dashboard plastics and cut AC strain, lowering future repair invoices.

FAQs

1. Is the Harrier pricey to upkeep compared with rivals?

Its five-year maintenance costs are similar to those of the Hyundai Creta diesel, while being more affordable than larger seven-seater SUVs.

2. Does the 2023 facelift alter servicing?

The core mechanicals remain unchanged, with the only new addition being ADAS sensor calibration (approximately ₹800).

3. Can independent garages handle scheduled work?

Yes, but genuine parts and software updates are guaranteed only at authorised centres.

4. Will skipped services affect insurance claims?

Skipping services could be seen as negligence by insurers, so it’s important to keep service invoices handy to ensure smooth claims processing.

Conclusion

A proactive attitude toward Tata Harrier maintenance ensures that its bold design and advanced safety features continue to deliver confidence and comfort on every drive. Alongside regular maintenance, it’s equally important to consider the financial protection that insurance provides. Besides timely servicing and cost tracking, investing in car insurance—be it third party car insurance or comprehensive car insurance—is essential, as it offers crucial coverage against accidents, theft and unforeseen damages.

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 Tata Tiago has established itself as a practical, reliable and value-for-money hatchback in India. It is an ideal choice for commuters with low maintenance, good mileage and sturdy build quality. The Tiago is well-suited for city traffic and highway drives, powered by a refined 1.2-litre Revotron engine equipped with a balanced set of features.

This guide covers everything you need to know about Tata Tiago maintenance cost, service parts and service schedules to ensure your vehicle delivers trouble-free performance.

Why Tata Tiago maintenance & service is important?

Following the recommended Tata Tiago servicing schedule guarantees optimal performance and helps identify and fix minor issues before they become major problems. Regular servicing keeps your vehicle running smoothly, contributing to a safer and more comfortable driving experience.

Routine maintenance also enhances engine efficiency and fuel economy. A well-maintained car retains its value better, which is a smart financial move if you ever decide to sell it.

Tata Tiago service schedule

Here's a breakdown of the recommended service milestones and the service cost for Tata Tiago for 5 years:

Key points in the Tiago service schedule:

• The filter and Engine oil must be changed every 15,000 km or 1 year.
• Brake fluid replacement every 2 years or 45,000 km.
• Air filter and spark plug replacement every 45,000 km or 3 years.
• Coolant changes every 60,000 km or 4 years.
• Fuel filter and transaxle oil replacement every 75,000 km or 5 years.
• Tyre rotation every 7,500 km for even wear.

Tata Tiago service part cost

When calculating the Tata Tiago service cost, it's important to distinguish between service costs and service part costs. Service costs refer to the labour charges and basic checks performed during each service. In contrast, service part costs refer to the expenses incurred for replacing or repairing specific vehicle parts.

*Note: These are indicative prices and may vary by location and model year.

Tata Tiago maintenance cost

The estimated maintenance cost of Tiago for 5 years is around ₹23,561. This includes the costs of regular services, essential part replacements and routine checks. This is an approximate cost; the final Tiago service cost may vary depending on the car's condition and wear and tear.

Things to check while looking for Tata Tiago maintenance cost

When considering the maintenance cost of Tata Tiago, there are a few key things to keep in mind:

• Choose a reputed and authorised Tata service centre to ensure quality service and genuine parts.
• Understand your warranty coverage well so you know what wear and tear costs are covered under your warranty.
• Be aware of possible added costs for wear and tear items like brake pads, batteries and tyres.
• Consider opting for extended service plans or protection packages that can cover more extensive maintenance.

Factors affecting Tata Tiago maintenance cost

Several factors can influence the maintenance of Tata Tiago:

• Driving conditions: Harsh driving, like regular stop-and-go traffic or rough roads, can increase wear and tear on your car.
• Driving habits: Aggressive driving, such as hard braking and rapid acceleration, can reduce the lifespan of certain parts and increase fuel consumption.
• Climate: Extreme weather conditions can affect your car's performance and require more frequent maintenance checks.
• Quality of parts: Use genuine parts from authorised dealers for better quality and compatibility to reduce long-term maintenance costs.

FAQs

1. Are there any additional costs I should be aware of?

Yes, apart from the regular service costs, you may have to pay for wear and tear items like brake pads, batteries and tyres.

2. Can I extend the warranty on my Tata Tiago?

Yes, you can extend the warranty of your Tata Tiago according to the plans offered by Tata Motors to cover additional maintenance needs and extend the warranty period.

Conclusion

To ensure your vehicle remains safe and performs well over the years, following the Tata Tiago servicing schedule and regularly assessing the factors affecting its maintenance is important. Besides routine servicing, having a car insurance policy provides coverage against damages from accidents, theft and natural disasters. While third party car insurance is mandatory in India, having comprehensive car insurance can reduce your out-of-pocket expenses, offering peace of mind and supporting the overall upkeep of your car.

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

Bihar, one of India's most densely populated states, prioritises road safety by strictly enforcing the Motor Vehicles Act 1988. To ensure a smooth traffic flow and protect everyone on the roads, drivers must possess important documents, such as a bike or car insurance, a PUC, an RC book and a valid driving licence.

Driving in Bihar with an expired licence is a serious offence and may result in heavy fines. Suppose you're wondering about driving licence renewal in Patna or want to know how to renew driving licence in Bihar. In that case, this article will guide you through the necessary steps to ensure your licence remains up to date.

How can you renew driving licence online in Bihar?

Here are key steps on how to renew driving licence in Bihar online:

• Visit the official Parivahan
• Click on online services, then choose "Driving licence related service"
• Select "Bihar" from the state dropdown menu.
• Click on Apply for DL renewal.
• Please read the instructions thoroughly and then click "Continue." (If you are over 40, you can download Form 1a from here.)
• Enter your driver's licence number, date of birth and captcha.
• Click "Proceed" to verify your information, then select "Renewal Driving Licence" and "Generate Acknowledgement." Print the receipt.
• Visit your local RTO or Transport Department office with your original driver's licence, Form No. 9, three passport-size photos and the acknowledgement receipt.
• If you are above 40 years of age, submit Form 1a, a medical certificate duly signed by an Authorised Registered Medical Practitioner.
• Once you have paid the renewal fee, submit your application.

Steps to renew driving licence offline in Bihar

Here are the steps to follow to renew your driving licence offline:

• Visit the nearest RTO office that falls under the jurisdiction of your registered address.
• Ask for the renewal application form, called Form 9, or you can download the form from the Parivahan
• Fill out the form carefully.
• Attach copies of your expired driver's licence.
• If you are over 40, also include Form 1a and a medical certificate signed by an MBBS doctor.
• Attach two passport-size photos with your application.
• Include copies of your age proof and address proof.
• Pay the renewal fee at the RTO.
• After checking your documents, the RTO will mail you your renewed driver's licence.

Documents required and appointment process for DL renewal in Bihar

To renew a driver's licence in Bihar, you need to submit these documents:

• Online Application or Form 9
• Form 1-A Medical Certificate (required if you have a non-transport vehicle licence and are 40 years or older, or if you hold a valid transport vehicle licence)
• Passport-size photographs
• Form 1 (Self-declaration of physical fitness)
• Address proof and age proof.

You can easily book an online appointment for driving licence renewal in Bihar by following these steps:

• Go to the Parivahan
• On the homepage, click on 'Driving Licence Related Services' under the 'Online Services' menu.
• From the drop-down list of states, select 'Bihar'.
• In the 'Appointments' section, choose 'Slot Booking'.
• Then, select 'LL/DL Service Slot Booking'.
• Input your application number, birthdate and other necessary information.
• Fill in the captcha code displayed on your screen and click 'Submit'.
• Pick an available appointment slot and visit the RTO on the chosen date.

Driving licence renewal fee in Bihar

The cost to renew a driver's licence in Bihar is ₹200 if you apply within the grace period. If you renew your licence after the grace period has ended, the fee increases to ₹300. Additionally, if there is a delay in renewal, an extra ₹1,000 per year will be charged. If you decide to get a driver's licence via a smart card, there is an additional cost of ₹200 for this service

What is the grace period for renewing your DL in the state of Bihar?

In Bihar, a driving licence has a 30-day grace period after its expiration, during which you can renew it without extra fees. If you miss this period, you will have to pay additional charges.

How do you check the status of renewing your DL in Bihar?

Once you have applied for a driving licence in Bihar, the RTO typically takes around 30 days to process, verify and issue your licence. You just need to visit the official Parivahan website, select "Driving Licence Related Services" under "Online Services" and then choose Bihar as your desired state. After that, click 'Application Status', enter your birthdate, application number and captcha code and submit the information. The next page will show you the status of your application.

FAQs

1. What is the time period of a driving licence in Bihar?

Renewing your driver's licence is just as important as having one. After it is issued, the licence remains applicable for 20 years or until you are 50, whichever comes first.

2. What is the age limit for driving licence in Bihar?

The minimum age to get a driving licence in Bihar is 18 years for private vehicles and 20 years for commercial vehicles.

3. What are the important documents that a car driver must possess in Bihar?

You must possess a valid driving licence, the RC of the vehicle, PUC and comprehensive or third party car insurance.

Conclusion

Keeping your driving licence up to date is very important for every motorist in Bihar. The process of how to renew driving licence in Bihar is straightforward and can be done online or offline. Additionally, while ensuring your licence is valid, don't forget that having proper car insurance provides an added layer of security for you on the road. While third party car insurance is mandatory, it's equally important to have comprehensive car insurance for overall safety and 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. 

According to the Motor Vehicles Act, every individual operating a vehicle must possess a valid driving licence. Since a driving licence comes with a limited validity period, it's important to renew it before expiry to avoid penalties and stay compliant with the law.

If you live in Andhra Pradesh and your driving licence is about to expire, read this blog to explore the online and offline procedures on how to renew driving licence in AP.

How you can renew driving licence online in Andhra Pradesh?

Follow these steps on how to renew driving licence online in Andhra Pradesh:

• Visit the official Parivahan RTO website to access online services.
• From the Online Services menu, choose "DL Related Services."
• Select Andhra Pradesh as your state and click on the option to apply for DL renewal.
• Click "Continue."
• Insert your driving licence number and date of birth in the required fields.
• Type in the captcha code and select "Get DL Details."
• Review your licence details, choose the relevant licence category, state and RTO, then click "Proceed."
• On the following page, pick "DL Renewal" as the service type and complete the online application form.
• Form 9 is required to be completed for a driving licence renewal.
• Upload the essential documents (Age Proof and Address Proof- An Aadhar card can be sufficient) and submit your application.
• Click "Generate Acknowledgement Receipt" and print the receipt.
• Take this acknowledgement receipt, your present original driving licence, duly filled Form 9, three copies of passport-size pictures and Form 1a (If you are above 40 years of age) to the RTO that falls under the jurisdiction of the address on your licence.
• Once the documents are verified, the driving licence will be mailed to your registered address.

Steps to renew driving licence offline in Andhra Pradesh

To renew your driving licence offline in Andhra Pradesh, you can follow the steps given below: 

• You can obtain Form 9 from the nearest RTO or download it from the official RTO website.
• Take the completed form, along with your three passport-size pictures and Form 1a, to the RTO that falls under the jurisdiction of the address on your licence.
• Submit the forms along with your Aadhar Card.
• Surrender your present licence.
• Make the payment and keep the acknowledgement receipt.
• Once your documents are verified, the driving licence will be delivered to your registered address.

Documents required and appointment process for DL renewal in Andhra Pradesh

When renewing your DL in Andhra Pradesh, keep the following documents ready:

• Your current Driving Licence
• Form 1 (Self-declaration confirming your physical fitness), 1A and Form 9
• Verification of address and age, like a birth certificate, Aadhaar card or Voter ID card
• Passport-sized photograph

Driving licence renewal fee in Andhra Pradesh

The standard renewal fee for a Driving Licence in AP is Rs. 200. If the renewal is done after the grace period, the fee increases to Rs. 300. Moreover, if the renewal occurs more than a year after the licence expiry, an extra charge of Rs. 1,000 per year is applicable.

What is the grace period for renewing your DL in the state of Andhra Pradesh?

In Andhra Pradesh, the grace period for renewing a driver's licence after it expires is 30 days. If you fail to renew within 30 days of the driver's licence (DL), you will be liable to pay an additional fee. And if you apply for renewal after 1 year of expiry of your driver's licence, then you will have to take a driving test.

How do you check the status of renewing your DL in Andhra Pradesh?

The Parivahan portal makes it simple to monitor the status of your driver's licence renewal. You just need to visit the Parivahan website and go to the 'Driving Licence Related Services' section under the 'Online Services' menu. Select your state from the dropdown list, then click the 'Application Status' tab. Enter your birthdate, application number and the captcha code provided. After submitting these details, you can view the current status of your application.

FAQs

1. What documents are needed for a Driving Licence renewal?

You will need your original Driving Licence, a filled renewal application form (Form 9), age and address proof, passport-size photographs and Form 1A, if applicable.

2. Can I renew my Driving Licence from a different state?

You should ideally renew your Driving Licence in the state where it was issued. If you've relocated, you may first need to apply for a change of address or transfer your licence before renewal.

3. Are there any special requirements for applicants above 40 years of age?

Applicants above 40 years must submit a medical certificate (Form 1A) along with their renewal application.

4. What are the important documents for a car driver?

A driver must possess a valid driving licence, the car's RC book and a car insurance policy.

Conclusion

If your licence is about to expire, knowing how to renew driving licence in Andhra Pradesh is important. While updating your licence, it's also a good time to review your car insurance policy. Third party car insurance is mandatory under Indian law, but opting for a comprehensive car insurance offers broader protection by covering damages to your vehicle as well as third-party liabilities.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Introduction

Driving during the winter brings its own set of challenges, with one of the most common and frustrating issues being a fogged-up windshield. When a windshield fogs up, it can quickly reduce visibility, making it difficult to see the road ahead and potentially creating a hazardous situation. This fogging effect is primarily due to a difference in temperature and humidity between the inside and outside of the vehicle. During winter, cold, dry air outside cools the windshield, while the warmer, humid air inside the car condenses upon contact with the cold glass. This combination leads to the rapid formation of fog, which can obscure your view and demand immediate attention.

A foggy windshield isn’t just an inconvenience; it’s a serious safety concern that can increase the risk of accidents, especially in challenging winter conditions. Learning how to remove fog from the windshield efficiently and effectively is essential for any driver. This guide explores why fogging occurs, the most effective methods to clear it, preventive steps to avoid fog build-up, and specific techniques to defog the windshield. By following these tips, you’ll be able to keep your windshield clear, ensuring safe and confident driving in winter weather.

Cause of Fogging During Winter

Fogging on the windshield during winter occurs due to condensation when warm, humid air inside the car meets the cold glass. This happens because the temperature difference between the warm interior and the cold exterior causes water vapour in the air to cool and turn into tiny droplets on the windshield, creating a foggy layer.

Several factors contribute to this fogging effect, such as —

• Temperature Disparity: Cold external air cools the windshield, while warm air inside condenses upon contact with the cold surface, resulting in fog.
• High Humidity Inside the Car: Each breath from passengers releases moisture, raising the humidity. Snow or rain brought inside by shoes and clothing adds further moisture.
• Lack of Ventilation: When the car is sealed tightly to keep out the cold, the interior air becomes trapped, building up humidity. Without proper ventilation, this moisture-laden air lingers inside, leading to condensation.
• Rapid Temperature Changes: Quickly raising the heat after entering a cold car can shock the windshield with warm, moist air, leading to sudden fogging.

This mix of cold glass, trapped moisture, and lack of airflow creates ideal conditions for fogging, which compromises visibility and driving safety. Understanding the root cause of fogging can help you apply the most effective methods to defog your windshield while driving.

Methods to Clear Fog

There are several methods to clear fog from your windshield, ensuring safe driving during winter, such as —

• Use the Defrost Setting: The defrost setting on your vehicle’s HVAC system blows warm air onto the windshield, equalising the glass temperature with the interior, thereby reducing fog.
• Turn on the Air Conditioner: Although it might seem counterintuitive, turning on the AC helps remove moisture from the air. This dries out the air circulating inside, preventing condensation.
• Adjust the Temperature Gradually: Rapid temperature changes can worsen fogging, so gradually adjust the temperature to warm up the cabin slowly.
• Keep the Windows Slightly Open: Cracking a window allows humid air to escape, preventing fog from forming on the windshield.
• Apply an Anti-Fog Spray: Applying anti-fog sprays on the interior windshield surface can also prevent condensation from forming.

Using these methods can provide relief and improve visibility, helping you drive safely in winter conditions.

Preventive Measures

Prevention is key when it comes to keeping your windshield clear. Here are a few effective measures to consider —

• Clean Your Windshield Regularly: Dirt and grime can trap moisture, making fogging more likely. Regular cleaning ensures the windshield stays clear and fog-free.
• Use Silica Gel Packs: Place a few silica gel packs on your dashboard to absorb moisture. These packs are highly effective at keeping the air inside the car dry.
• Keep Floor Mats Dry: Snow and rain can leave floor mats damp, increasing humidity in the cabin. Shake off or dry mats before getting in, especially during snowy weather.
• Opt for an Anti-Fog Product: Applying an anti-fog solution before winter begins can create a layer on the windshield that reduces condensation, preventing fog formation.
• Avoid Overloading Heating Devices: Using heaters excessively can increase cabin humidity, leading to more fog. Control heating levels to maintain a comfortable and safe environment.

Incorporating these preventive measures ensures a safer driving experience and can minimise the need to remove fog from your windshield while driving.

Tips to Defog the Windshield from the Inside

Removing fog from the inside of the windshield requires a few simple adjustments, such as

• Direct Warm Air to the Windshield: Use the defrost or heater vents to direct warm air toward the windshield. This equalises the interior temperature, clearing the fog.
• Turn Off Recirculation Mode: Fresh air circulation is crucial for reducing interior moisture levels. Switching off recirculation mode ensures a steady inflow of drier outside air, which prevents fogging.
• Use Dehumidifying Products: Specialised car dehumidifiers or products like silica packs absorb moisture effectively, keeping the air inside the vehicle drier.
• Keep Windows Slightly Open: Cracking the windows just a bit allows humid air to escape, which minimises fogging on the inside.
• Wipe with a Microfiber Cloth: If the fogging is severe, gently wiping the inside with a microfiber cloth will clear the condensation quickly. Microfiber absorbs moisture without leaving streaks.

Following these tips can effectively reduce or eliminate fog on the inside, giving you clear visibility and improving your safety on the road.

Tips to Defog the Windshield from the Outside

Fogging on the outside of the windshield is also common in winter. Here’s how to handle it 

• Use Windshield Wipers: When condensation forms outside, simply activating your windshield wipers can quickly remove the moisture.
• Apply a Water-Repellent Coating: Specialised water-repellent products create a barrier that prevents fog and condensation from sticking to the windshield’s surface.
• Turn on the Defroster or Heater: Gradually warming the windshield helps remove fog outside, especially during icy conditions.
• Remove Ice and Snow First: Ice and snow can contribute to exterior fogging. Before driving, clear the windshield completely to prevent fog from forming as the ice melts.
• Avoid Using Hot Water: While it might seem like a quick fix, pouring hot water on a cold windshield can cause cracks. Instead, use de-icing sprays or wait until the defroster has warmed the glass.

Applying these methods will help maintain clear visibility from the outside, reducing potential distractions or hazards during winter driving.

Conclusion

Knowing how to remove fog from the windshield is a valuable skill for every driver, particularly during winter when visibility is often compromised. Fogging on the windshield can obscure your view, leading to unsafe driving conditions. By understanding the causes of windshield fogging and implementing the tips to defog from both the inside and outside, you can ensure a clear and safe drive. Additionally, practising preventive measures, such as keeping the car interior dry and regularly cleaning the windshield, reduces the likelihood of fog formation. Whether using car insurance to protect against accidents or simply looking to drive safely, defogging your windshield is an essential part of car maintenance during winter.

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 market for cars that cost less than 10 lakh rupees is very competitive, with companies always trying to improve performance and value. If you're a speed fan on a budget, a few choices will give you great power and driving qualities without breaking the bank. Let's look at the fastest car in India under 10 lakhs rupees and see what makes each unique besides its specs.

List of fastest car in India under 10 lakhs

Here's the list of fastest car under 10 lakhs in India:

1. Hyundai Grand i10 Nios

The Hyundai Grand i10 Nios shows that even small cars can be exciting. Beyond its speed qualities, the Grand i10 Nios stands out for its quick handling and well-calibrated driving. Despite its small size, the car feels grounded in corners, sparking trust even when pushing through tight roads. Its small size makes it perfect for crossing crowded city streets while giving enough room for four adults.

• Engine: 1197 cc
• Mileage: 16 - 18 kmpl
• 0-100 kmph: 9.82 seconds
• Ex-showroom Price: ₹ 5.98 - 8.62 lakh (approx.)

2. Skoda Kylaq

The Skoda Kylaq brings European technical ideas to the sub-10 lakh market. Its steady, planted feel on the road distinguishes it—a trait usually associated with more expensive European cars. Kylaq also benefits from Skoda's reputation for build quality and attention to detail. The careful interior design improves the total ownership experience.

• Engine: 999 cc
• Mileage: 19.68 kmpl
• 0-100 kmph: 11 seconds
• Ex-showroom Price: ₹ 7.89 - 14.40 lakh (approx.)

3. Kia Syros

The Syros stands out because of its advanced driving mechanics. It also impresses with its upmarket cabin with soft-touch materials and a smart entertainment system. Combined with its spacious trunk and soft seats, the Syros offers a quality experience that makes it feel like a car from the category above. The Syros provides excellent value to buyers who want speed, comfort and luxury features.

• Engine: 1493 cc
• Mileage: 20.75 kmpl
• 0-100 kmph: 11.6 seconds
• Ex-showroom Price: ₹ 9 - 17.80 lakh (approx.)

4. Nissan Magnite

The Nissan Magnite blends the convenience of its body style with exciting speed that exceeds expectations for its affordable price. Its light turning and small dimensions make it exceptionally mobile in urban settings. It gives the commanding driving position and road presence of an SUV while keeping the efficiency and handling traits of a smaller vehicle. For those who want the flexibility of an SUV without losing speed or fuel economy, the Magnite offers great value.

• Engine: 999 cc
• Mileage: 19.9 kmpl
• 0-100 kmph: 10.28 seconds
• Ex-showroom Price: ₹ 6.14 - 11.76 lakh (approx.)

5. Hyundai i20 N-Line

The Hyundai i20 N-Line is the closest to a hot hatchback in the sub-10 lakh market. What sets the i20 N-Line apart is its focus on driver engagement. The i20 N-Line also looks the part, with faster style lines, larger wheels and red highlights that hint at its performance-oriented nature. For those who value driving qualities and want a car that stands out from the crowd, the i20 N-Line provides an experience that transcends its price tag.

• Engine: 998 cc
• Mileage: 20 kmpl
• 0-100 kmph: 9.9 seconds
• Ex-showroom Price: ₹ 9.99 - 12.56 lakh (approx.)

6. Maruti Suzuki Fronx

With a time of just 9 seconds, the Maruti Suzuki Fronx is the fastest car on our list, making it a surprising competitor in the speed area. The Fronx's small size and well-tuned suspension help it handle quickly. The vehicle's speed response stands out, with almost no turbo lag and smooth power delivery, making driving in cities a breeze while still giving you enough power to pass on the highway.

• Engine: 1197 cc
• Mileage: 22.89 kmpl
• 0-100 kmph: 9 seconds
• Ex-showroom Price: ₹ 7.52 - 13.04 lakh (approx.)

7. Tata Nexon

The Nexon focuses on safety alongside speed. With a 5-star Global NCAP safety grade, it offers a unique style and powerful road appearance that appeal to those who want their car to stand out. With its speed, safety, and distinctive style, the Nexon offers an appealing deal for an exceptional price.

• Engine: 1497 cc
• Mileage: 23.23 kmpl
• 0-100 kmph: 11 seconds
• Ex-showroom Price: ₹ 8 - 15.60 lakh (approx.)

Conclusion

In a market where value for money is important, these fastest car under 10 lakhs show that speed and driving fun don't have to come with a high price tag. When buying one of these performance-oriented cars, it's crucial to consider suitable insurance coverage. While third party car insurance is required by law in India, it only covers losses to other vehicles and people in case of an accident. Comprehensive car insurance is highly recommended to protect against theft, natural disasters and accidental damage to your car. Many insurers also offer add-on plans, such as engine security and zero depreciation, which can be particularly valuable for these cars.

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 India's ever-evolving world of luxury cars, high-performance sedans represent the perfect balance of usefulness and adrenaline-inducing speed. As we travel through 2025, the choices for driving fans wanting four-door thrills have never been more exciting. Let's dive deep into some of the most powerful sedan in India, discovering what makes these technical marvels special beyond their amazing specs.

List of fastest sedan in India

Here's the list of the fastest sedan cars in India:

1. Mercedes-Benz AMG GT 63 S E Performance

The top of Mercedes-AMG's car range, the GT 63 S E Performance, is dressed as a sedan that uses Formula 1 technology with its complex hybrid engine. What truly defines this beast is its amazing power output. Inside, Mercedes hasn't traded luxury for speed. The saloon features hand-stitched Nappa leather, carbon fibre details, and the latest MBUX entertainment system with virtual reality guidance.

• Engine: 3982 cc, Plug-in Hybrid
• Top Speed: 316 kmph
• 0-100 kmph: 2.9 seconds
• Ex-showroom Price: ₹ 3.34 Crore (approx.)

2. BMW M5

The latest BMW M5 continues its reputation as a classic sports car, now accepting hybrid technology without losing its performance roots. The 2025 model marks a major change with its plug-in hybrid system, which provides amazing power while providing a limited all-electric range for urban travel. The interior of the M5 strikes an excellent mix of sporty purpose and plush accommodations. The latest version of BMW's iDrive system boasts motion control and virtual reality screens.

• Engine: 4395 cc, Plug-in Hybrid
• Top Speed: 305 kmph
• 0-100 kmph: 3.5 seconds
• Ex-showroom Price: ₹ 1.99 Crore (approx.)

3. Porsche Panamera

The Panamera has always struggled to combine Porsche's sports car DNA into a bigger, four-door package. The latest generation succeeds wonderfully, giving operating skills that defy its size and weight. The touch-sensitive centre panel houses settings for the different driving systems without confusing the driver with buttons. The back seats offer real comfort for adult riders, making this a four-person grand tourer.

• Engine: 2897 cc - 3996 cc
• Top Speed: 310 kmph
• 0-100 kmph: 3.8 seconds
• Ex-showroom Price: ₹ 1.70 - 2.34 Crore (approx.)

4. Maserati Ghibli

The Maserati Ghibli brings Italian flair and feeling to the high-performance car market. With its Ferrari-built engine making a unique, spine-tingling exhaust note, the Ghibli provides speed with theatrical Italian drama. Inside, the Ghibli displays Italian expertise with hand-stitched natural leather and real carbon fibre or wood trim. The sound system offers a concert-hall quality sound that matches the powerful engine note.

• Engine: 1999 cc - 3799 cc
• Top Speed: 255 kmph
• 0-100 kmph: 4.3 seconds
• Ex-showroom Price: ₹ 1.15 - 1.93 Crore (approx.)

5. Bentley Flying Spur

The Bentley Flying Spur redefines the idea of a luxury performance car by valuing elegance alongside rapid speed. What separates the Flying Spur is its skill. Each car requires over 100 hours of detailed work by Bentley's workers. The Flying Spur's Bentley spinning Display—a three-sided spinning dashboard element showing the tablet, analogue numbers, or a clean wood surface based on the driver's taste.

• Engine: 2998 cc - 5950 cc
• Top Speed: 285 kmph
• 0-100 kmph: 3.5 seconds
• Ex-showroom Price: ₹ 5.25 - 7.60 Crore (approx.)

6. Porsche Taycan

The Taycan reflects Porsche's vision for performance in the electric age, providing power that tests physics. Unlike many EVs, the Taycan was intended as a speed car from the ground up. The Taycan's interior welcomes simplicity with its bent digital display and touch-sensitive settings. The extra passenger display allows the co-driver to change navigating and leisure settings without distracting the driver.

• Top Speed: 250 kmph
• 0-100 kmph: 2.7 seconds
• Battery Capacity: 93.4 kWh
• Ex-showroom Price: ₹ 1.67 - 2.53 Crore (approx.)

7. Audi e-tron GT RS

The e-tron GT RS, with its sleek style and amazing capabilities, displays Audi's approach to electric racing. Inside, the e-tron GT features sustainable materials, including recycled plastics and fake leather choices, showing that luxury doesn't have to come at an environmental cost. The flat-bottom steering wheel and driver-focused cabin keep the sporty purpose despite the quiet engine.

• Top Speed: 200 kmph
• 0-100 kmph: 2.8 seconds
• Battery Capacity: 93 kWh
• Ex-showroom Price: ₹ 1.95 Crore (approx.)

Conclusion

As we look at these fastest sedan in India, it's clear that the high-performance car market in India is having a rebirth in 2025. Four wheeler insurance becomes critical to financial safety when engaging in such high-performance cars. While third party car insurance is required by law in India, owners should strongly consider complete coverage. Comprehensive car insurance protects against theft, fire, natural disasters, and unexpected 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.