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

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

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  • Top Factors That Decide Your Two-Wheeler Insurance Premium

    by Almog Ramrajkar | Nov 21, 2021

    What Could Hike Your Two-Wheeler Insurance Premium?

    The two-wheeler industry in India has grown rapidly. In the absence of public transport during the pandemic, a greater number of people are now purchasing two-wheelers. Indian roads are expected to get flooded with these vehicles in future. According to a recent  report, domestic two-wheeler sales are likely to grow by 6-8% over the next five years as the economy comes out of the covid-19 induced downturn.

    As the traffic will increase, so will the number of two-wheeler accidents. Especially, given the poor condition of Indian roads and the fact that many Indians often ignore traffic laws and safety measures. More than a third (37%) of those killed in road accidents in 2019 were two-wheeler riders, noted a Ministry of Road Transport and Highways’ report published in October, 2020.

    Hence given the situation, motor insurance is a must-have for all two-wheeler owners. In case of an accident, the insurance policy will protect you from the financial liabilities arising from the accident. However, before you start browsing insurance policies online, you should first understand how the premium is calculated.

    The following paragraphs will explain factors affecting two-wheeler insurance premium quote:

    1. Type of coverage

    In India there are two different types of motor insurance policies available - third party and comprehensive. Third-party insurance is mandatory by law, but it only covers damages/injuries to the third party involved in an accident. A comprehensive policy, on the other hand, covers third-party liabilities as well as own damages/injuries.

    Since comprehensive two-wheeler insurance offer more coverage, their premiums are higher than third-party insurance premiums. While you can select any one of the two, you should preferably opt for a comprehensive policy for the added coverage and benefits it offers.

    2. Add-on covers

    Add-on covers are usually recommended for two-wheelers. There are different types of add-ons available with two-wheeler insurance plans, such as zero depreciation, roadside assistance, high-end electrical and non-electrical accessories. All of these come at an extra premium.

    4. No Claim Bonus (NCB)

    No Claim Bonus is a discount that is offered to you for every claim-free year.  If you are renewing your bike insurance and have not filed any claim in the past year, you are entitled to a discount on the insurance premium. In this way the insurance company rewards you for being a responsible rider.

    NCB is usually 20% in the first claim-free year and can reach up to 50% in the fifth claim-free year, depending on the provisions of the policy document. If you have accumulated NCB, you can use it to reduce your two-wheeler insurance premium considerably at renewal.

    5. Anti-theft devices

    Anti-theft device is a security feature which reduces the chance of your two-wheeler theft. This in turn helps in reducing the risk for the insurance provider. Just like how the insurers compensate for higher risk by charging a higher premium, the lower risk is rewarded with a lower premium. So, if you do not have such security devices installed on your two-wheeler, it can hike your premiums. 

  • Black Fungus Disease: Symptoms, Causes and Treatment

    by Almog Ramrajkar | Nov 21, 2021

    Understanding Black Fungus - Symptoms, Causes and Treatment

    The second wave of the COVID-19 pandemic hit India severely. The Delta variant (also call the Indian variant) of the coronavirus, which is believed to be behind the rise of second wave of COVID-19 in India, spreads much faster and can have a very drastic effect on the infected patients. As a result, the positivity rate of coronavirus as well as the mortality rate is much higher this time around. Buy health insurance policy that provides coverage against all hospitalization-related expenses, including coronavirus and black fungus treatment.

    Even as India continue to struggle with the impact of COVID-19’s second wave, rising cases of black fungus infection among those recovering from the virus brought fresh concerns for the Government and citizens alike. As per the Central Government’s data, there were about 8,848 cases of black fungus infection in India on 22nd May, 2021. And these figures were spiraling at a rapid rate.

    Experts are calling this infection “A Pandemic within Covid-19 Pandemic”. As per the reports, number of people dying due to black fungus infection in India is steadily increasing. From black fungus symptoms, to causes, to its treatment, we have discussed everything you need to know about this disease in this article. Continue reading.

    What is Black Fungus?

    Also known as Mucormycosis, black fungus disease is a fungal infection which is presently seen in patients who are suffering from COVID-19 with co-morbidities such as HIV/AIDS, uncontrolled diabetes, and Mellitus cancer. If not controlled during its initial stages, black fungus infection can prove to be fatal for the patients.

    What causes Black Fungus?

    Black fungus or Mucormycosis is basically a rare fungal infection which is caused by a group of moulds or fungus known as Mucormycetes. These moulds are considered separate from plants and animals kingdom, and are found in plants, soil, water, decaying organic matter, and sometimes in animals and humans.

    As per the doctors, the primary reason behind the development of fungal infection in a COVID-positive patient is prolonged exposure to moisture during oxygen therapy. Use of ordinary tap water in flow meters of oxygen cylinders are also believed to cause black fungus infection. This can also be triggered due to the use of mould-tainted oxygen pipes and humidifiers.

    Who all are at risk?

    As per the Ministry of Health, black fungus infection in India is mostly detected amongst people who are recovering or have recovered from the COVID-19 disease. This infection can occur anytime to a coronavirus patient i.e. either during his/her hospital stay or several days to few weeks after discharge.

    People who have sinus problems or those who are on medications for lung problems are most susceptible to catch black fungus infection during the treatment of COVID-19. Besides, those who are suffering from diabetes, cancer, blood malignancies, and iron deficiency are prone to this fungal infection.

  • How to Get PUC Certificate Online?

    by Almog Ramrajkar | Nov 21, 2021

    How to Get Pollution Under Control Certificate Online?

    To tackle the rising air pollution in the country, the Government of India has laid down standardised rules for allowing emission levels from motor vehicles. Under this rule, all motor vehicles in India have to mandatorily undergo an emission test and if their emission levels comply with the norms, a Pollution Under Control (PUC) certificate is awarded to them.

    This is done to ensure that every vehicle is safe to run on roads, without creating much air pollution. Different classes of vehicles have different emission levels and it is compulsory for every vehicle in India to have a valid PUC certificate. Non-adherence to this rule may attract traffic fine or imprisonment or both.

    In this article, we will tell you more about a PUC Certificate and you will also get to know how to get PUC certificate online as well as offline for your vehicle. Continue reading.

    What is a PUC Certificate?

    A PUC certificate, also known as the Pollution Under Control certificate, is a Government-issued document that is awarded to a vehicle if its emission levels are found to be within the permissible limits. As per the Central Motor Vehicles Act, a valid PUC certificate must be present with every vehicle on the road at all times.

    The PUC certificate of a vehicle contains the following information:

    • Vehicle’s registration number
    • Serial number of the PUC certificate
    • Date of the emission test
    • Validity date of the PUC certificate
    • Reading of the emission level of the vehicle

    The PUC certificate can be obtained by a vehicle owner by paying a nominal fee which ranges between ₹ 60 to ₹ 100.

    What is the validity of a PUC certificate?

    For new cars and two-wheelers, the PUC certificate is provided by the dealer itself and is valid for one year from the date of registration of the car. Post that, the PUC certificate of the vehicle needs to be renewed as per the Government’s guidelines. For vehicles that are more than 5 years old, the PUC certificate comes with a validity of six months.

    However, in case of adverse readings, the time frame for the validity of a PUC certificate will depend upon the recorded emission levels.

    How to obtain a PUC certificate?

    The PUC certificate for new vehicles are provided by the dealer and it comes with a validity of one year. Post that, you need to follow the steps mentioned to get a PUC certificate for your vehicle:

    Step 1 – Find a PUC centre near you. It could be a petrol pump or a government-licensed auto emission testing centre or a private emission testing centre.

    Step 2 – Get the exhaust pipe of your car or two-wheeler scanned by the testing executive at the PUC center. The emission levels of your vehicle will get recorded.

    Step 3 – You will be required to pay a requisite fee to the testing executive. If the emission levels of your vehicle are within the authorised limits, you will be provided with a PUC certificate containing your vehicle’s emission readings.

  • 7 Tips to Maintain Your Bike During Rainy Season

    by Almog Ramrajkar | Nov 21, 2021

    7 Amazing Bike Maintenance Tips in Rainy Season

    Riding a bike can be one of the most entertaining things you can do. If you’re a bike enthusiast, you are probably aware of the fun and convenience a bike can bring to you. You can not only whiz past the peak-hour traffic and reach your destination quickly but also reduce your fuel expenses significantly by opting for a bike for your daily travel. Government has made motor insurance mandatory while driving on the Indian roads.

    However, with monsoon gripping the country, the chances are that rain could come in any time, and you may encounter wet and slippery roads. Riding in bike in such conditions can be extremely challenging. Buy a bike insurance as it will secure you from any financial losses occurred due to road accidents. Here are a few bike riding tips for the rainy season to make this a little easier:

    1. Check the condition of your bike’s tyres

    During the rainy season, the roads become wet and slippery. Hence, it’s very important for every bike rider to get a firm grip on the road and the tyres of his/her bike help him/her with that. Therefore, the tyres of your bike need to be in a very good condition before you take your vehicle out during the rainy season.

    Inspect your tyres properly for wear and tear. If you think they are not in a proper condition, it’s better to replace them than taking a risk. Check for the tyre treads. It’s essential to have adequate tread depth as it helps in dispersing water and ensures a firm grip on wet roads.

    2. Wrap yourself in waterproof gear

    Before you begin a ride on your bike during monsoon, it’s crucial to wrap yourself in a waterproof riding gear. Get a strong pair of waterproof riding boots, raincoat or waterproof jacket, rain proof pant, a pair of gloves, and of course, a sturdy ISI-marked helmet. Make sure there is no way for the water to enter and make you wet while you’re riding your bike.

    Besides offering you a comfortable ride, this will also ensure your good health. However, make sure your gear isn’t too tight. You should be able to feel comfortable in it and it should not restrict your movement while you are riding.

    3. Ensure maximum visibility

    Rains can hamper visibility to a large extent while you are riding your bike. Hence, you should take extra precautions during this season. Avoid using dark or tinted glasses while riding during the rainy season. Also, make sure the visor of your helmet in clear and scratch-free to ensure maximum visibility.

    If your visor seems to be damaged, it’s better to replace it before the monsoon sets in. Also, keep your headlights on all the time to make sure you can clearly see the road. If you are still experiencing hampered visibility, you can take a halt and wait till the weather clears a bit.

    4. Get your bike serviced

    The last thing you would want is getting stuck in the middle of the road amidst rains and thunderbolts. It can be a horrifying experience. Hence, it’s prudent to get your bike serviced before the rainy season to ensure that it doesn’t break down in the middle of a journey.

    Also, you must follow proper bike maintenance tips to make sure your bike is in a smooth condition. For example, change its engine oil, oil filters, and air filters. Make sure that all the tyres are properly inflated, and all the lights are working.

  • How to Renew Driving Licence Online

    by Almog Ramrajkar | Nov 20, 2021

    How You Can Renew a Driving Licence Online Without Visiting an RTO

    How to Renew Your Driving Licence Online

    Is your driving licencee going to expire soon? If yes, then the ongoing pandemic and need for social distancing is no excuse for not renewing it on time. Earlier this year, the Ministry of Road Transport and Highways had announced that several of the services provided by the Regional Transport Offices (RTO) will be made available online as well. If your driving licence is due for renewal, you will be pleased to know that it is one of the 18 services provided by the RTOs that is available online now. You can do it through Aadhaar-based authentication.

    In addition to licence renewal, the other services that can be availed online at the Parivahan Sewa website include change of address in driving licence, replacement of driving licence, international driving permit, change in name, change in biometrics etc. The Government has made a motor insurance mandatory while driving on the Indian roads.

    Renewal rules

    Application for driving licence renewal is accepted in the last 30 days of the validity of the existing licence. If the renewal is applied not more than 30 days after the expiry of the licence, the renewal is done with effect from the date of expiry. However, in case of a delay of more than 30 days between the date of expiry and date of application, the renewal is made with effect from the date of receipt of proper application. Besides, a fee of Rs 30 is also charged in such cases. An application made after five years of expiry of the driving licence requires the formalities of a fresh licence. As driving licence is compulsory while driving a car, car insurance is also compulsory.

  • Top Automobile Industry Trends in India During Covid-19 Pandemic

    by Almog Ramrajkar | Nov 19, 2021

    Top 6 Trends Witnessed by Automobile Industry During The Pandemic

    The COVID-19 pandemic wreaked havoc in the entire world since the start of 2020. The Governments of various countries, including India, were forced to implement strict lockdowns to keep the people inside their homes and control the spread of the deadly coronavirus. As a result, several industries faced severe financial slump which brought a global recession.

    The Indian automobile industry too went through a very tough phase after the imposition of first lockdown in the country in March 2020. Sales figures started plummeting and inventories were mounting up for the manufacturers. As the revenues took a severe hit, the automobile sector in India went through its worst phase since 1997-98.

    However, once the lockdown restrictions were eased, India’s automobile industry started emerging out of the headwinds. With rapidly increasing demand in the country for personal mobility, the sales figures started to rise once again, leading to a slow but steady recovery for the automobile sector post lockdown. ICICI Lombard allows convenient purchase and renewal of car insurance online as well as offline.

    In the meantime, some ground-breaking trends were observed in various facets of the industry. Most of these trends got accelerated due to the pandemic and are now shaping the future of India’s automobile market. Let’s have a look at some top trends in automobile industry of India witnessed during the pandemic.

    1. Rising preference for personal mobility

    Covid-19 has changed the preferred mode of commute among most of the passengers in India. A survey by PGA labs revealed that almost 56% of people in India prefer to use a personal vehicle instead of public transport for their daily commute. This increased preference for personal mobility has led to an increase in demand for private vehicles and therefore for Motor Insurancetoo, as it is compulsory for all the personal vehicles.

    2. Increasing penetration of alternative-engine powertrains

    The alternative-engine powertrain has been garnering a rapid demand in the recent years, especially in the two-wheeler and three-wheeler segment. A substantial change has been noticed in the consumers’ perspective, with preference for alternative engine increasing to 49% in 2020 from 39% in 2019.

    Moreover, as per a PGA labs survey, nearly 35% of car buyers are willing to pay a premium of more than ₹ 1 lakh for electric mobility. Further, favorable Government policies such as Fast Adoption and Manufacturing of Electric Vehicles (FAME-II), reduced GST rates on EVs etc., have also contributed towards an increased preference for electric vehicles among the consumers.

    3. Increasing preference for connectivity features in vehicles

    Though connectivity features in vehicles manufactured in India are yet to develop as compared to countries like Germany, Japan, and the USA, entry of global automotive OEMs in the Indian market has given rise to a new trend. Recent vehicles such as MG Hector, Kia Seltos, and Hyundai Venue have impressive factory-fitted connectivity features.

    These cars have garnered the attention of the consumers, resulting in huge sales volumes. In the second half of 2020, Morris Garages sold 15,930 units of Hector, whereas Kia received more than 1 lakh bookings for Seltos within five months after its launch. This trend is expected to accelerate with the number of connected cars on Indian roads estimated to reach 1.7 million by 2022.

  • 6 Safety Tips to Change Your Bike’s Engine Oil

    by Almog Ramrajkar | Nov 19, 2021

    6 Safety Tips to Change Motorcycle Engine Oil

    There are a few things in life that can provide you more thrill than riding a motorcycle. Be it running swiftly on highways or whizzing through the peak hour traffic, a motorcycle is undoubtedly the most convenient and affordable mode of commuting. However, just like any other machine, a bike or motorcycle also requires maintenance and a bike insurance policy as it not only covers your bike but also protects you in an emergency.

    One of the most important components of bike’s maintenance is changing its engine oil on a regular basis. Without the regular changing of bike’s engine oil, the engine can get overheated, friction between its moving parts can increase, and its overall performance can suffer. Also, the fuel efficiency of the bike can decrease.

    According to the experts, bike oil change should be done at least once in every six months or after every 2,000 kilometres. As a responsible bike owner, you should make sure to maintain this frequency for changing your bike’s engine oil. Read on to learn some quick tips that can help you perform this simple bike maintenance task with ease.

    1. Gather your tools before beginning the process

    As with any other process, the first step towards your bike’s oil change is to gather all the tools you may need. These include a can of fresh engine oil, new oil filter, a drain pan, measuring beaker, funnel, and some basic tools for opening and tightening nut bolts such as a screwdriver and adjustable socket wrench.

    Apart from this, you must also keep your bike’s service manual book handy. It will help you know the exact process of oil change, specific type and quantity of oil required for your bike, as well as the information about the frequency at which you should change your bike’s engine oil.

    2. Maintain proper frequency for changing your bike’s engine oil

    You should maintain proper frequency to change your bike’s engine oil. Usually, mechanics advise to change your bike’s engine oil every six months or after every 2,000 kilometres. However, for more exact information on the correct frequency for your bike’s oil change, you should refer to its service manual book.

    While taking a longer time to change your bike’s oil may cause a decline in its engine’s performance and fuel efficiency, doing it earlier may result in nothing but wastage of money.

    3. Use the best engine oil only

    It’s very important to use the best engine oil for your bike. Some mechanics may advise you to go for a cheaper engine oil to save some money. However, that’s not the best practice to follow. It can result in your bike’s performance getting affected. You can go through the service manual booklet to know about the best suited engine oil for your bike.

    Also, you should purchase the engine oil only from manufacturers or trusted dealers. Chances are that others may dupe you by providing a duplicate or adulterated engine oil which can be very harmful for your bike.

  • Everything You Need to Know About Electric Bike Insurance

    by Almog Ramrajkar | Nov 19, 2021

    All You Need To Know About Electric Bike Insurance

    In the last few years, the popularity of e-bikes has grown tremendously in India. The users of these electrically operated vehicles spend ten times less on fuels when compared to petrol-run vehicles. No wonder the future belongs to electric bikes. However, there are a few aspects of e-bikes that confuse first-time buyers. Insurance is one of them. To ensure you don’t face such confusion, we have put together everything you should know about electric bike insurance. Let’s begin!

    Is insurance needed for electric bikes in India?

    If you own a vehicle with a 250-watt electric motor and a top speed of 25 kmph, you can use it without any motor insurance. It might surprise you, but such electric bikes don’t even need registration or a license. Even a helmet is not compulsory, although wearing one always keeps you safe.

    It is up to the owner of an e-bike whether they want an insurance policy for the vehicle or not. However, for high-end electric bikes, insurance is compulsory.

    What type of insurance do you need for electric bikes?

    You can get a regular two-wheeler policy to insure your e-bike. The two-wheeler policies usually fall under two major categories:

    1. Third-party insurance:

    Third-party liability insurance is what the government has made mandatory for two-wheelers in India. If an e-bike owner hits someone on the road, then their policies will take care of the damages caused to the other party. This includes both property damage and medical expenses.

    2. Comprehensive insurance:

    This is the most popular form of insurance for two-wheelers, including e-bikes. A comprehensive insurance policy gives you coverage against damages to the third party plus yourself and your bike in case of an accident.

    What’s covered in a bike insurance policy?

    Though coverage depends on your choice of service provider, here are some common things covered by most bike insurance policies online:

    1. Personal accident cover:

    You get coverage against the damage caused to you while driving an e-bike. The insurer reimburses your medical bills and the amount spent on your bike repairs.

    2. Damage due to natural disasters:

    If a cyclone, earthquake, hurricane, or any other natural disaster causes damage to your bike, you get compensation.

    3. Man-made disasters:

    If someone harms your bike as a part of a theft attempt, robbery, terrorist activity, or vandalism, you receive coverage to fix the damages. Also, there is coverage for the damage caused to the third party due to your vehicle.

  • 5 Reasons Your Car Insurance Claim Gets Rejected

    by Almog Ramrajkar | Nov 17, 2021

    5 Reasons Why Your Car Insurance Claim May Get Rejected And What You Can Do

    In some rare occasions, insurance companies reject car insurance claims from its customers. This is generally done when an insurer feels that the claim filed by its customer is not valid or genuine. In such a scenario, the insurance provider doesn’t pay for the damages to the insured car and the car owner must bear this cost out of his/her pocket.

    Such a situation can be extremely stressful for any car owner as the repair bills can easily run into several thousand or even lakhs of rupees. Of course, you would never want yourself to be put in such a situation. But what if your car insurer rejects your claim even if you have all the genuine reasons to get it approved?

    In this article, we will discuss some common car insurance claim rejection reasons and what steps you can take if an insurer rejects your car insurance claim. Read on.

    Reason 1 – If your claim is found to be non-genuine

    When you file a car insurance claim, your insurance provider appoints a surveyor to inspect the genuineness of your claim. The role of this surveyor is to inspect your car and the damages and determine whether it matches with the accident’s narrative. If the surveyor feels that your claim is not genuine, he/she might reject your car insurance claim.

    Hence, it’s important to file a claim only when it’s genuine and necessary. There is no point in trying to dupe the insurer by narrating a false accident story as it will only lead to the rejection of the insurance claim. If a surveyor isn’t satisfied with your claim, it’s you must convince him about the authenticity of your claim.

    Reason 2 – Inability to produce the required documents

    Another common reason for the rejection of motor insurance claims is the inability of the policyholder to produce the required documents. Usually, when a customer files a car insurance claim, insurance companies ask for some basic documents such as policy document, Registration Certificate (RC) of the car, FIR copy (in case of theft), driving license and Aadhar card of the driver/owner, etc.

    If you’re not able to submit any of the documents asked by your insurance provider, your car insurance claim might get rejected. Hence, it’s crucial to collate all the required documents before filing a claim. If your claim has been rejected once due to improper documentation, you can file it again with all proper documents.

    Reason 3 – If you are found to be violating traffic rules when the accident happened

    A car insurance policy provides coverage against unfortunate road accidents or natural calamities. However, it doesn’t cover the damages caused to an insured car if the driver or claimant is found to be violating traffic rules, including drink and drive, driving without a valid driver’s license, making illegal modifications to a car etc.

    In such cases, the car insurance claim will be outrightly rejected by the insurance provider and there’s nothing that you can do about it. The best way is to follow all traffic rules and maintain safety standards while driving your car. Also, when you make any modification to your car, you must inform your insurer in advance.

  • Why Should You Cancel Your RC After Scrapping Your Car

    by Almog Ramrajkar | Nov 17, 2021

    Why is it Important to Cancel Your RC After Scrapping Your Car

    Buying a car is like a dream come true for many. It provides them with a feeling of pride, luxury, and achievement. After all, a person spends a considerable chunk of his/her savings to buy a car and keep it in top condition. That is why, every responsible car owner chooses to get financial security for his/her car with a comprehensive car insurance policy.

    However, despite of all the precautions you take for your car, you can never rule out the possibility of an unforeseen mishap such as fire, theft, road accident etc. These incidents can either damage your car partially or can lead to its total loss, in which case you must mandatorily cancel your car’s Registration Certificate (RC).

    What is total loss of a car?

    As per motor insurance terms, total loss of a car refers to a situation where it gets damaged to such an extent that it cannot be repaired again. Or, if the cost of repairing a car is more than its Insured Declared Value (IDV), the car is said to be in a state of total loss. In such cases, the insurance company pays the full IDV of the car to its owner and sells the car to a scrap dealer.

    The total loss of a car can take place due to an unforeseen mishap, such as road accident, earthquake, flood, tsunami, fire, theft, etc.

    What is the registration certificate of a car?

    The Registration Certificate or RC of a car is an official document that is provided to the car owner after its registration. A car’s RC basically states that it is registered with the Indian Government and is, hence, fit to be driven on roads. It contains the unique registration number of a car, its engine and chassis number, name of the car owner, and the expiry date of the RC.

    You can get your car’s RC either from the Regional Transport Office (RTO) where you’ve registered your car or you can download it from the Government’s “Parivahan Seva” portal.

    Why is it important to cancel your car’s RC in case of total loss?

    In case of total loss of a car, the insurance company pays the IDV to the car owner and sells the remains of the car to a scrap dealer. The scrap dealer then breaks down the remains of the car into small pieces and use them for the purpose of recycling. After the car is scrapped, the car owner needs to get the registration certificate of his/her car cancelled.

    As per Section 55 of the Motor Vehicles Act of 1988, it is the responsibility of the car owner to cancel the RC of his/her car after scrapping it. He/she needs to inform the RTO about the scrapping of the car within 14 days to get its RC cancelled.

  • All You Need to Know About Co-pay Health Insurance

    by Almog Ramrajkar | Nov 17, 2021

    Everything You Need to Know About Co-Pay in Health Insurance?

    In the world of sky-high medical expenditures and sudden health problems, health insurance is undoubtedly necessary. A well-formulated health insurance cover gives you access to competent and quality healthcare facilities at all times. It helps you tide over medical expenses in a planned manner without creating a financial burden.

    However, they entail a considerable premium amount that deters many individuals from taking an insurance cover, thereby isolating themselves from the host of benefits offered by the health insurance policies.

    Insurance companies provide the health insurance co-pay feature as a part of their policy that you can use to reduce the premium payable amount. In this article, we shall discuss what is co-pay, its features, and benefits for insurance holders.

    What is co-pay in health insurance?

    The co-pay feature is an optional clause offered by health insurance companies in their policy. It is an arrangement between the policyholder and the insurance company wherein they share the medical expenses based on a mutually decided co-pay percentage. 

    This co-pay percentage is the share of medical expenses that shall be borne by the policyholder in the event of a medical eventuality covered by the policy. For example, Ananya takes a health insurance cover with a co-pay feature of 15%. She incurs a medical bill amounting to Rs. 1 lakh. With the co-pay feature, Ananya will have to pay Rs.15,000 (1,00,000 x 15%), and the insurance company shall cover the balance. 

    You may wonder, why would one take a policy where he/she has to pay out of their pockets? And why would the company offer such a feature?

    Benefits to the Insured

    • Reduced premium

    The insured pays a specific portion of his/her medical expenses under the health insurance co-pay scheme. This feature provides the insured person with a direct benefit in the form of a reduced premium amount which is otherwise quite significant. Higher the co-pay percentage, lower the premium amount.

    • Direct savings

    Health insurance policies are of a pre-determined tenure, and you have to pay the same premium amount irrespective of whether you file a claim or not. With a co-pay health insurance cover, you pay a relatively lower premium amount. If you do not have any claim during the policy period, you have direct savings in the form of a lower premium amount.

    Benefits to the insurer

    • Promotes honest customer behaviour

    Co-pay health insurance brings about a sense of ownership among the policyholders. It is common for policyholders to avail the services of expensive, luxury medical facilities unnecessarily and cover the expenses by filing claims with the insurance company.

    In co-pay health insurance covers, policyholders realise that they will have to bear a portion of the medical expenditure, even if nominal. The clause encourages them to opt for services that are necessary and reasonable. 

    • Reduction in misuse and fraudulent claims 

    Insurance companies are often faced with inflated medical bills and fraudulent claims due to a nexus between healthcare facilities, insurance agents, and scammers disguised as policy holders. In such situations, insurance companies have no choice but to pay claims for medical services that were, in reality, not rendered to patients. It creates a dent in the insurance companies’ profitability and operations. 

    With co-pay health insurance policies, patients know that they have to pay a certain sum of the expenses from their own pockets, which naturally keeps frauds at bay.  

  • What is Break-in Period in Car Insurance Policy?

    by Almog Ramrajkar | Nov 17, 2021

    All You Need To Know Break In Period In Car Insurance

    As per the Motor Vehicles Act of 1988, a car insurance policy is mandatory for all motor cars running on Indian roads. As per the latest amendment to the act, driving a car without a valid car insurance policy can attract a penalty of up to ₹ 2,000 or imprisonment of up to 3 months, or both. Hence, non-renewal of your car insurance in time can bring not only the legal hassles but also the financial risks.

    However, purchasing or renewing your car is not that easy. You need to take a number of decisions such as the type of policy you want to purchase, selection of add-on covers, choosing the insurance provider etc. In order to make an informed decision, you need to be aware of the different terms and jargons related to the car insurance policies.

    One such term is “Break-in Period” in a car insurance policy. In this article, we’ve tried to elucidate what exactly is a break-in period in car insurance and why it is important for you to know about this term before buying a car insurance policy. Let’s get started.

    What is “Break in Period” in car insurance?

    A car insurance policy is an annual contract that needs to be renewed every year. If you look at the policy document carefully, you will find that the date from which the insurance cover came into effect and the date at which it will terminate is clearly mentioned in the document. To ensure legal compliance, you need to renew your car insurance policy before this expiry date.

    However, due to your busy schedule, you may sometimes forget to renew your car insurance policy in time. And if you miss the deadline to renew the policy, even by a day, it results in a break in the policy. However, most insurers allow a 90-day grace period to renew your car insurance policy. By renewing your policy within this period, you won’t lose the No-Claim Bonus benefit. You may still have to go through car inspection depending on your insurance company policy.

    The time period between the last date for the renewal of your car insurance policy and the date on which it is actually renewed is known as the “Break-in Period” of the policy. For example, if your policy renewal date is 1st March and you renew your policy on 15th April, then there will be a 45-day break in the policy which will be known as the break-in period.

    Your car insurance policy remains inactive during the break-in period and any financial or legal liabilities arising during this time will have to be borne by you.

  • Tips To Select The Right Bike Helmet

    by Almog Ramrajkar | Nov 17, 2021

    Tips to Choose the Right Bike Helmet

    You spend a considerable amount of time and money to buy your favourite bike. You leave no stone unturned to keep it in top condition. You must have purchased a comprehensive bike insurance plan to protect it from unforeseen adversities. But, what about the helmet that you will wear while riding your bike?

    Undoubtedly, a helmet is the most important safety gear that you need to wear while riding a bike. In case of a road accident, it protects your head and brain from serious injuries. In the absence of a helmet, the rider’s head can suffer severe injuries which is preventable with a helmet. Hence, choosing the right bike helmet for yourself is as important as buying and maintaining your bike.

    However, while buying a new bike helmet for yourself, it’s not just the colour and graphics that you should look at. There are far more important things which you should consider, such as the helmet’s type, size, shape, and safety certifications. Apart from that, we at ICICI Lombard do recommend to get yourself a motor insurance as well, to safeguard your vehicle from any damages! Below are a few tips that can help you choose the right bike helmet for yourself:

    1. Know the size and shape of your head

    Every individual has a different body structure. Just like a T-shirt, a bike helmet comes in different shapes and sizes. Majorly, it’s available in three sizes – M, L, and XL – and three shapes – round oval, intermediate oval, and long oval. It’s important to know the size and shape of your head and buy a helmet accordingly.

    Wearing a wrong size helmet can do more harm than good. A loose helmet can fail to provide optimum protection to your head whereas, a tight helmet can put pressure on your head which can result in headache, dizziness, and compromised blood circulation.

    2. Know the right type of helmet for you

    You should have the proper knowledge of different types of helmets available in the market and what’s the best for you. Basically, there are four types of helmets:

    1.Open face helmets

    These are among the most common and easily available helmets in the market. These are lightweight helmets that offers great ventilation. These helmets do not have a jawline and hence, exposes your face for proper visibility and ventilation. These helmets are hence, fit for short city rides but not recommended for high-speed rides.

    2.Full face helmets

    These helmets cover the whole face of the riders and provide them an added layer of protection. They also protect the jaws of the rider as they have an immovable jawline in front. These helmets are therefore, fit for long, highway rides where you need to ride your bike at high speeds.

    3.Modular helmets

    Modular helmets are the combination of half and full-face helmets. These helmets can be converted into full-face or half-face helmets as per the rider’s wish. These helmets are specially designed for city riders who occasionally go for high-way rides.

    4.Motocross helmets

    These are full-face helmets but with a different build and structure. Unlike a normal full-face helmet, these helmets are designed to be lightweight, and offer more visibility and ventilation for the rider. These helmets are most suitable for riding in off-road conditions.

    3. Look for the ISI logo on the back of the helmet

    The Indian Standard Institute (ISI) has been authorised by the Government of India to ensure standard compliances for industrial products since 1955. An ISI logo on the back of a helmet assures that it complies with respective quality standards which are necessary for bike riders in India. Therefore, while buying a helmet, you must check the ISI mark on its back.

    In fact, if you’re caught riding a bike in India without wearing an ISI-certified helmet, you may get penalised by the traffic cops. As per the latest notification issues by the Ministry of Road Transport and Highways, it will be mandatory from 1st June 2021 for all two-wheeler owners to wear an ISI-marked helmet while riding their vehicles.

  • Tips to Keep Your Car Safe During Holi Celebrations

    by Almog Ramrajkar | Nov 17, 2021

    Holi Car Care Tips: Steps to Protect Your Car From Stains and More

    Holi, the festival of colours, is here and you must be excited about the joy and ecstasy it offers. This festival calls for splendid celebrations with vibrant colours, water balloons, and water guns. However, while we humans revel in Holi celebrations, our precious cars often become victims to the madness and mischief all around.

    It is common for cars to get painted with blue, black, and red stains all around their bodies. Removing these Holi colours from cars can get really painful and burdensome. It gets even more stressful when the interiors of a car, including seat’s upholstery, dashboard, and floor mats get dirty and spoiled. Not only this, water ingress can even cause damage to your car’s engine and other mechanical parts.

    In this article, we will discuss how to remove Holi colours from your car. We will also discuss how you can ensure your car’s paint stays protected during Holi celebrations. So, here are a few simple tips to keep your car safe and protected during Holi.

    1. Park your car in a closed space and cover it

    It might seem obvious, but you should make sure your car is not parked in an open space during the time of Holi. Anyone can throw the splashes of colours on your beloved vehicle and stain it badly. Hence, it’s prudent to park your car in a closed parking space and keep it covered using a car cover.

    Make sure to cover your car completely, i.e. from its roof till the wheels. This will keep your car protected from colours, dirt and water during Holi celebrations. While buying your car’s cover, you should ensure that it’s of optimum quality and water proof.

    2. Apply car wax or Teflon polish on your car’s body

    Before you take your car out for a drive during this time, don’t forget to apply a coating of car wax or Teflon polish on its body. This will ensure your car’s paint protection even if it gets some colour stains. And not just that, applying Teflon coating on your car’s body will also protect your car from rusting and damages caused due to sunlight.

    You can either buy car wax polish from a nearby auto shop and apply it yourself or you can take your car to a mechanic or service centre to get it coated with Teflon. Remember that applying wax polish is a cheaper option as compared to Teflon coating, but the latter is more superficial in quality.

    3. Protect your car’s interiors with cling wraps or plastic covers

    Remember that it’s not only the exteriors of your car that needs protection. It is equally important to protect the interiors of your car from getting stained or damaged. In fact, it is a difficult and stressful job to clean your car’s upholstery if it gets soiled. In case it gets damaged, fixing it can turn out to be a costly affair.

    What you can do is use cling wraps or plastic covers to cover your car’s interiors, including its seats, dashboard, steering wheel, doorknobs, gear knob, headrests, and backrests. You can also use old clothes, bedsheets, towels, or curtains to cover the interiors of your car.

  • Top Tips to Increase the Resale Value of Your Car

    by Almog Ramrajkar | Nov 17, 2021

    Tips to Increase the Resale Value of Your Car

    Owning a car is a special feeling. The connection between a person and his/her car cannot be described in words. In fact, many people love their cars just like their kids. Even a minor scratch on your car can give you a feeling of deep pain. However, just like other things in your life, your car too has a life span and one day you will have to part ways with it.

    When you decide to purchase a new car and sell your existing vehicle, it can hurt you emotionally as well as financially. While nothing much can be done for the emotional pain, you can reduce your financial stress if you maintain your car properly. By keeping your car in a tip-top condition, you can fetch maximum value when you go out to sell your used car in the market.

    Usually, the resale value of a car depends upon a number of factors such as the condition of its exterior as well as interiors, engine, tyres, mileage, and externally fitted accessories. In this article, we have listed a few simple tips that can help you maximise the resale value of your car. Continue reading.

    1. Get your car serviced at least once every year

    It’s very important to take your car for regular service at an authorised service centre in frequent intervals. Ideally, you should get your car serviced at least once every year. While giving your car for servicing, do not forget to ask the mechanic to change all necessary things such as oil filter, air filter, AC filter, engine oil, and gear oil.

    This will keep your car running in perfect condition without any mechanical issue. Such a car will be the preferred choice of second-hand car buyers. Hence, you will be able to negotiate well for its price when you sit down with a buyer to sell it.

    2. Wash the exteriors and clean the interiors regularly

    Cleaning and washing your car regularly is very important to keep its shine or gloss intact. This will create a strong first impact of your car in the minds of prospective buyers. If possible, you should wash your car at least once every week. Moreover, if you park your car in an open garage, you should wash it more often (two to three times a week).

    Equally important is to clean the interiors of your car. Interiors of a car include seat’s upholstery, dashboard, steering wheel, gear knob, and floor mats. To clean the interiors of your car, you can buy a good quality vacuum cleaner and do it yourself or you can avail the services of the professionals.

    3. Replace the tyres when required

    The tyres are one of the most important components of a car. They separate your car from the road and help in maintaining a firm grip with it. While assessing the value of your car at the time of resale, the buyers will surely look at its tyres. A dull and worn out pair of wheels may create a bad impression and bring down the resale value of your car.

    Ideally, you should change your car’s tyres after every 40,000 kilometres. If you drive in rough conditions, you may even have to do it even earlier. Replacing the four tyres of your car may cost you somewhere around ₹ 10,000 to ₹ 15,000. However, it will help you fetch a much better deal when you opt to sell your car.

  • Things To Know About Charging Electric Two Wheeler

    by Almog Ramrajkar | Nov 17, 2021

    6 Things To Know About Charging Electric Bike

    India, being in the list of most polluted countries in the world from quite some time now, is in dire need of adopting alternative fuel for mobility to curb air pollution. Electric Vehicles (EVs) are one such option which are eco-friendly and produce zero emission. With the Government planning to boost infrastructure for electric mobility, demand for EVs in India is getting higher by the day.

    However, electric cars that are available in the country are still too expensive and mostly belong to the elites. But, the availability of electric bikes has solved the muddle for the common man. Almost all reputed two-wheeler manufacturers in India have started offering electric bikes and scoters at pocket-friendly prices. If you purchase a bike insurance then it will secure your e-bike against the natural and man-made adversities, including fire, theft, riot, vandalism, storm, flood, and earthquake.

    Instead of conventional fuels such as petrol and diesel, electric bikes derive power from a battery, which needs to be charged again and again. To ensure long life and efficient performance of an e-bike’s battery, it’s important to follow some tips while charging it.

    So, if you’ve recently purchased an electric bike or planning to purchase one soon, continue reading this article to know some useful tips about charging bike battery.

    1. Charge your new bike’s battery for several hours before you start using it

    When you buy a new electric bike, it comes with a fresh lithium-ion battery that may or not be charged. Hence, it’s essential to charge your bike’s battery for at least 6 to 8 hours before you start using it. The long initial charge of your bike’s battery ensures that the current flows smoothly through all its cells, enabling the battery to perform efficiently in future.

    Moreover, fully charging the battery before first use helps in kickstarting the “calibration” process. It enables you to know the power and capacity of your bike’s battery and determine how it’s going to behave in the future.

    2. Charge your bike’s battery before it dies completely

    Most electric bikes in India use lithium batteries. These batteries usually have a good life, but to keep them in proper condition, you should charge them regularly. You should make sure that you plug in your bike battery charger before the battery of your electric bike dies completely. The best thing you can do is start charging your bike battery as soon as its level dips below 30%. As electric bikes are more efficient than traditional ones, why not give it an efficient protection! Hence, we at ICICI Lombard would recommend getting yourself our motor insurance to protect your bike from any damages!

    As per battery experts, you should maintain your bike’s battery level between 30 to 60 percent. In between, you can also go for full charge if you have enough time. Regular charging of your bike’s battery also helps in improving its performance by keeping all cells activated and functional.

    3. Fully charge your bike’s battery once in a week but don’t overcharge

    As suggested in the above point, you should fully charge your e-bike’s battery occasionally, i.e. once in every one or two weeks. This will help in balancing the cells and improve the overall shelf-life of the battery. It works like an exercise for human body, which improves our strength by preventing our muscles from getting weak.

    At the same time, overcharging is not good for the health of your bike’s battery. It’s because lithium batteries degrade while they are being charged and hence, the longer they stay connected to a high voltage charger, the longer the degradation will occur.

  • Tested COVID-19 positive during pregnancy? Here’s what you can do

    by Almog Ramrajkar | Nov 17, 2021

    Things to Do If You Get Tested COVID-19 Positive During Pregnancy

    India, went through a tough time during the second wave of coronavirus. The symptoms experienced by the infected patients were much more severe this time around. In fact, during the second wave of coronavirus in India, a greater number of middle-aged people (those who are aged between 30 to 50 years) and pregnant ladies got infected.

    As per a recent study by Oxford University, pregnant ladies who are COVID-19 positive and their unborn babies might face a higher risk of complications than what was known previously. Women with co-morbidities are at an even higher risk. In many cases, the virus affects the unborn baby by reducing the amniotic fluid around it.

    However, that doesn’t mean there is a need for panic. Not every pregnant woman, who is infected with the coronavirus, faces the same symptoms. Though, there could be some complications during the advanced stages of pregnancy as the immunity of a mother becomes weak during this time, mild cases of COVID-19 during pregnancy can be tackled at home with proper diet, rest, and exercise. Securing yourself with Health Insurance that covers covid-19 will be the best solution you have.

    In case you’re pregnant and have tested positive for COVID-19, here’s what you should do to keep yourself and your baby safe.

    1. Take all necessary precautions and follow Covid-safety protocols

    We all know that prevention is better than cure. Make sure you are following all COVID-safety protocols laid down by the Government. It includes practicing social distancing, staying away from public places, and avoiding meeting anyone who has possible COVID-19 symptoms. Also, wash hands frequently or use hand sanitizers whenever you touch any high-contact surface.

    It’s understandable that as a pregnant lady, you can’t avoid going out completely. You might have to visit your gynecologist or go out for antenatal activities. However, whenever you step out of your home, don’t forget to wear your mask, and take hand sanitizer with you.

    2. Don’t panic and stay positive

    Even if you’ve tested positive for coronavirus during your pregnancy, there is no need to panic. Don’t run immediately for hospitalisation as mild cases of COVID-19 can easily be cured at home with a few precautions and medications. Take proper rest and have a healthy diet.

    Another thing is you should stay as happy and positive as possible. This will not only provide you the strength to fight with the disease but also keep your child in a good shape.

    3. Isolate yourself. Get teleconsultation with your doctor

    It’s obvious that you would never want someone else in your family to get infected with the virus and suffer. The first thing you need to do when you notice the coronavirus symptoms in yourself is to get isolated. Do not let anyone enter your room except if there’s an emergency.

    Take regular teleconsultations with your doctor. Follow his/her advice strictly while taking your medicines. Keep checking your body temperature and blood’s oxygen saturation level every three to four hours. In case you notice anything adverse, inform your doctor immediately. Do not self-medicate in any case.

  • Steps to Calculate Your Health Insurance Premiums

    by Almog Ramrajkar | Nov 16, 2021

    Steps to Calculate Your Health Insurance Premiums

    Premium is an essential factor that you must take into consideration before buying health insurance. This is because only if you pay it on time can you avail the benefits of your policy. It’s interesting to note that premiums for the same plan may differ across policyholders. While you can easily get a quote from your insurer, keeping in mind these factors can help you calculate health insurance premiums.

    Factors Affecting Health Insurance Premiums

    • Age

    It is a vital factor affecting health insurance premiums. Premiums increase with age. This is because the body is more susceptible to diseases and ailments as and when you age. The insurer thus covers a greater risk and hence charges you more.

    Therefore, it’s is advisable to buy health insurance when you are young and healthy. It will help you make significant savings.

    • Lifestyle Habits

    The lifestyle you lead has a direct bearing on health insurance premiums. If you are addicted to smoking or drinking, it will push up the premium amount. On the other hand, if you don’t, the insurer charges you less for the same policy offering the same coverage.

    Smoking and drinking increase the chances of falling ill, leading to subsequent hospitalization. With a higher risk element involved with these habits, you need to pay more to your insurer.

    • Coverage Amount

    Health insurance premiums are directly proportional to the coverage amount. It means higher the amount, higher the premium. To put it numerically, you need to pay more for ₹ 10 lakh coverage than ₹ 5 lakh.

    • Co-pay and Sub-limit Clauses

    Co-pay refers to the amount you need to pay from your pocket towards hospitalization bill(s), while sub-limit is the cap on expenses such as room rent, doctor’s consultation fee, etc.

    These clauses are there in health insurance plans to prevent misuse. A low co-pay and high sub-limit entail paying a higher premium.

    • Age of the Eldest Member in Case of a Family Floater Plan

    In case you are willing to buy a family floater plan which provides coverage to all family members, the premium amount depends on the age of the eldest member. More the age, higher the premium.

    • Pre-existing Ailments

    If you have any pre-existing ailments or diseases, premium increases. For example, if you are suffering from diabetes or hypertension, you need to pay more towards your health insurance plan.

    • Riders Opted For

    Health insurance riders are add-ons that you add to your base policy. Adding riders to your policy increases the premium amount to some extent. With riders, you can further fortify your coverage.

    Using Health Insurance Premium Calculator

    While the above steps can help you get an estimate of the premium you need to pay, a health insurance premium calculator makes the job extremely easy and fast. Today, almost all insurers have this calculator on their website, with the help of which you can get premium quotes effortlessly.

  • Reasons to Include Critical Illness Rider in Your Health Insurance Plan

    by Almog Ramrajkar | Nov 16, 2021

    Reasons to Include Critical Illness Rider in Your Health Insurance Plan

    A health insurance policy has become a necessity in today’s times. It protects the policyholder against the skyrocketing medical costs he/she may incur during a medical emergency. A standard health plan covers a range of expenses, including hospital’s room rent, doctor’s consultation fees, costs for medicines and diagnostic tests, etc. But, do you think having only regular health insurance is enough?

    Sedentary lifestyle and increasing complexities in our living standards have made us more prone to serious illnesses and diseases. In India, more than 5 lakhs people are diagnosed with cancer every year and approximately 24 lakhs people suffer from cardiovascular diseases. The treatment of such diseases is usually very expensive, and a normal health insurance plan may not cover it by default.

    It means that in case you contract a critical illness, your regular health insurance policy may fail to cover you adequately and you might end up losing all your life-savings. That is why, you must procure a separate critical illness insurance policy or attach a critical illness rider to your regular health insurance plan.

    It will keep you financially protected against some life-threatening diseases such as cancer, heart attack, stroke, kidney failure, and paralysis.

    Below are the five vital reasons to include critical illness rider in your health insurance plan:

    1. Coverage against several chronic ailments

    As mentioned above, the critical illness rider will provide you financial protection against several chronic ailments which generally include cancer, heart attack, stroke, kidney failure, organ transplant, liver diseases, and paralysis, among many others.

    Though the number of ailments which is covered by the policy varies from insurer to insurer, usually a critical illness insurance rider helps covering all major life-threatening diseases.

    2. Fixed sum assured upon diagnosis

    Critical illness insurance plans are fixed benefit plans. It means that by attaching a critical illness rider to your regular health plan, you will become eligible to receive a fixed amount of money in case you get diagnosed with any critical ailment mentioned in the policy document. This sum assured will be paid to you irrespective of the actual amount you incur for your treatment.

    Also, this sum assured will be paid directly to you which means that you can use it in whatever way you need. For example, you can use it to pay for the treatment costs, medicines, diagnostic tests, and also for paying your EMIs and meeting daily living expenses of yourself and your family members when you’re not able to earn a livelihood.

    3. Tackle the huge medical expenses

    As mentioned above, critical illnesses such as cancer, heart attack, and kidney failure are usually very expensive to treat and care for. For example, average cost of treatment for cancer is estimated at ₹ 10 lakhs, whereas certain lung diseases can take up to ₹ 20 lakhs for treatment.

    In the absence of a critical illness cover, tackling such huge medical expenses can become next to impossible for a common person. Also, the critical illness insurance will ensure that you get the best possible treatment for covered diseases at the best healthcare facility around the world.

  • List of Necessary Documents to Ride a Bike in India

    by Almog Ramrajkar | Nov 16, 2021

    Top 5 Essential Documents You Should Carry While Driving

    Owning a vehicle brings a feeling of pride and happiness. Hopping on your bike and setting out on a ride is no less than a bliss. However, owning a bike also entails certain responsibilities for the owner. He/she needs to be fully aware of the traffic rules and documents that he/she should carry while riding.

    In case a traffic police asks for these documents, the owner needs to immediately present them to avoid traffic fines or even imprisonment. These documents are also required when you meet with an accident and file a claim on your two-wheeler insurance policy. Let us look at the list of documents required while riding a bike in India, as per the Motor Vehicles Act, 1988.

    1. Driving Licence

    According to the Motor Vehicles Act, 1988, whether you drive a four-wheeler or a two-wheeler, it is mandatory for you to have your driving licence with you. If you are learning to drive, then you need to have the learners’ licence with you.

    You can apply for your Driving License at your nearest Regional Transport Office (RTO). For that, you need to produce a valid identification proof (such as Aadhar, bills, etc.) at the time of submission of the filled form, following which an appointment has to be taken for the driving test.

    Once you clear the learner’s test, a learner’s driving licence will be provided to you. Post this, you can apply for permanent driving licence after 30 days of issuance of the learner’s licence.

    2. Pollution Under Control (PUC) Certificate

    Motor vehicles’ emissions, if unchecked, can have severe consequences on the environment and public health. Every vehicle as per the MV Act, 1988 requires to have a PUC. This certificate is a proof that a car or two-wheeler has passed the emission test and has complied with the pollution control norms. A vehicle that doesn’t have a valid PUC certificate is liable for a fine of up to ₹2000. PUCC is provided by dealers for new bikes that are valid for a year. After the expiry of period of one year from the date of first registration, every vehicle owner is required to renew its PUC certificate. For certificate renewal, you need to take your bike to the nearest emission test centre for thorough checking, and a new PUC certificate will be awarded after you pay the fee. Your bike can be checked and PUCC can be availed at petrol pumps or fuel stations which have PUC centres (available nationwide), licenced and computerized auto-emission testing centres or standalone emission testing centres.

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