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  • Some Common Car Problems You May Face During Winters

    by Rajendhar Thogari | Aug 18, 2021

    It’s crucial to identify and address winter car problems at the earliest.

    A dip in the mercury doesn't affect just you, but also your car. During winters, your vehicle is likely to face several mechanical problems, as its metal tends to shrink. Therefore, you must take precautionary measures and be prepared to deal with problematic situations. Read on to know some common winter car problems and how to overcome them.

    Thickening of fluids

    In places where the temperature reaches sub-zero levels, car fluids such as oil, anti-freeze, etc., tend to become less viscous. As a result, they become less mobile, and their free flow is restricted. This can hamper your car's performance.

    To avoid this, it's advisable to leave your vehicle's engine running for at least 10 to 15 minutes for fluids to warm up. It's also a good idea to change fluids before winters' onset to maintain recommended fluid levels.

    Dead battery

    This is one of the most widely experienced winter car problems. A dip in temperature below the freezing point overworks the battery, causing it to falter. Also, since a lot of energy is soaked from the battery to power different systems such as car heater and fog headlights, the same is likely to diminish its performance.

    A vital step in winter car care involves buying a new battery before the onset of the cold if the current one is already 4 to 5 years old. If you don't intend to do so, do check if the present one can last through the season.

    Failure of wiper

    This problem happens because of the failure to clear the windshields before starting the wipers. During cold weather, wipers freeze to the windshield, and when they are turned on, the blades may tear. Also, as these blades are made from rubber, pressure from ice or snow can break them.

    During winters, one of the basic car maintenance tips is to turn your vehicle's fan controls and heater on. Also, if you live in a place where temperatures drop significantly, consider installing high-quality beam winter wiper blades.

    Freezing of fuel lines

    Another common winter car problem - your vehicle's fuel line may freeze because of condensation forming in the gas tank. The problem amplifies when you are running low on fuel, and cold temperature may prevent the fuel from reaching the car's engine.

    One of the most important winter car care tips to overcome a frozen fuel line is to park your vehicle in a warm area. If you can't find a warm garage, you can place an electric heater near the fuel lines to warm it up. Avoid using an open flame heater if you are using this method, as it can result in an accident.

    Failure of starter motor

    The starter motor helps start your car. During winters, the motor has to work hard to turn the engine on, which puts a lot of stress on it, causing it to fail. While there's nothing much you can do about it, you must continuously avoid cranking the engine.

    Give it a minimum of 25 to 30 seconds to get started. It's also advisable to check for corrosion on the starter terminals and ensure proper insulation from moisture. To prevent starter motor failure, keep the engine in top shape and check out for any unfamiliar sound while starting your vehicle.

    Fluctuation of tyre pressure

    A dip in temperature also results in the fluctuation of your car's tyre pressure. Pressure fluctuates because air when cooled contracts. With a drop in mercury levels, individual molecules take up less space within the tyre. As a result, they exert less force on the walls of the tyres.

    Therefore, you must always check the tyre pressure indicator before starting your car and ensure it's up to the mark. Note that low tyre pressure can also result in a complete blowout during driving, causing an accident.

    Cracking of alternator belt

    An alternator belt is responsible for charging the battery that powers all the electronics in your vehicle. During winters, the alternator belt cracks and a faulty alternator causes electrical and battery issues.

    As fluids thicken, it takes more time for the alternator to charge the battery, and this might cause it to crack. If you get to hear a high-pitched sound while starting your car, then it's an indication of a worn alternator. For a smooth ride, do inspect the alternator and get it replaced immediately if it's faulty.

    Corrosion of spark plugs

    A car's spark plugs ignite the air-fuel mixture. During winters these plugs, which are mostly made of ceramic, crack. Corroded spark plugs will reduce the efficiency of your vehicle, and they also cause starting problems.

    As part of your winter car care, check these plugs before the cold season and get them changed if they are faulty. If you find a drop in acceleration, then it's an indication of faulty plugs.

  • How to Get the Best Deal on Car Insurance?

    by nikesh lakhani | Aug 18, 2021

    Buying a new car fills your heart with joy. Imagine you drive down to your friend's porch to express your happiness and surprise him in your new car. After a short discussion, you find out that you paid an enormous sum on motor insurance compared to him.

    To avoid such a scenario and ensure you get a good deal on your car insurance, you first need to know what factors influence car insurance costs. Read on.

    What factors determine car insurance cost?

    Car insurance cost depends on your driving behaviour

    When renewing car insurance, the insurance providers emphasise your driving behaviour and consider your past claim records. Suppose there are frequent insurance claim requests on your claim history. It implies that the vehicle owner has poor driving behaviour and is likely to claim damages in the future too. In that case, the insurance provider may ask for a higher premium.

    Following traffic rules and careful driving helps to maintain a clean driving record. Additionally, you can avail of a No Claim Bonus (10% - 50% discount on premium) on your renewal premium if you don't make any claims during the policy term.

    Car insurance cost depends on the vehicle make and model

    The car insurance premium depends broadly on the type of car you buy. And it's pretty straightforward. Expensive cars have higher maintenance and repair costs; therefore, the insurance premium for such vehicles is relatively higher. In simpler words, cheaper car models may come with lower insurance premiums. Bear in mind that insurance for diesel cars may cost more than their petrol counterparts.

    On the other hand, you can save considerably on insurance costs if you install safety features (like anti-theft devices) in your car.

    Car insurance cost depends on your car’s age

    Buying comprehensive car insurance for a brand-new car may cost higher than an old model. However, it depends on the insurance provider's policy. Compared to new cars, old vehicles cost less to repair, but they are more susceptible to damage because of wear and tear.

    Now that you know the primary determiners for car insurance price, keep reading to understand how to save on car insurance.

    How do you get the best car insurance deal?

    Take a quote

    You can head here on our website and enter your vehicle details and personal information to take a quote. Once you see the quote, you can customise it with the coverage you need to check the price change. In this way, you can go for the lowest-priced premium on the coverage that suits your needs best.

  • Essential Tips to Renew Car Insurance Online

    by nikesh lakhani | Aug 18, 2021

    As per the Motor Vehicles Act of 1988, it is mandatory for every vehicle plying on Indian roads to have a valid motor insurance policy. Non-renewal of motor insurance can land a vehicle owner in trouble, with a fine of ₹2,000 or imprisonment of up to 3 months, or both. Hence, it's essential to renew your car insurance policy promptly.

    However, before renewing your car insurance, there are certain factors you should keep in mind. For example, rather than physically visiting your insurer's office, you can choose to renew your car insurance policy online. This way, you can complete car insurance renewal quickly and conveniently from the comforts of your home.

    Read ahead to know some useful tips you should keep in your mind while renewing car insurance online.

    Do it yourself

    Rather than depending upon someone else or asking a broker to do it on your behalf, you can always renew your car insurance policy yourself. New-age insurance companies have simplified the process of online car insurance renewal. All you need to do is head here to our website, enter your renewal details and pay the premium online.

    When you renew your car insurance policy yourself, you are in a better situation to analyse your requirements, determine the extent of coverage, and make an informed decision.

    Renew well before the expiry date

    As mentioned before, driving an uninsured car is a punishable offence under the Motor Vehicles Act, 1988. Hence, you should renew your car insurance policy well before its expiry date. Additionally, renewing your car insurance before its expiry date may save you from the hassles of getting your car re-inspected by the insurance provider.

    Also, suppose you fail to renew your car insurance policy even after 90 days of its expiry date. In that case, you will lose out on your accumulated NCB as it will automatically get reset to zero.

    Determine the type of cover

    While renewing your car insurance policy, you can add/modify your policy coverage and add-ons. There are two types of car insurance cover you can avail of – standalone third-party car insurance liability cover or a comprehensive cover (third party liability + own damage cover).

    As per the law, you should mandatorily renew your car insurance policy's third-party component before its expiry date. However, a wise decision is to opt for the comprehensive cover since it also keeps your car financially protected against the damages, should there be an accident or collision.

    Choose the right IDV

    When you opt for a comprehensive car insurance policy, you're required to set an Insured Declared Value (IDV) of your vehicle. This will be the maximum value the insurance provider is liable to pay in case of the total loss of your car.

    It's important to choose the right IDV for your car. In case you choose a lower IDV, you may not get enough compensation if your car gets damaged beyond repairs. On the other hand, if you choose unnecessarily high IDV, it may swell up the premium amount for your car insurance renewal.

    Don't forget to claim NCB

    NCB or No-Claim Bonus is the insurance provider's discount to the policy buyer after every claim-free year. So, if you haven't made any claim during the current policy period, do not forget to claim NCB at the time of renewal. By claiming the NCB, you can get up to a 50% discount on the car insurance premium calculated (for own damage cover), which you need to pay during your car insurance policy renewal.

  • Will the Future of Indian Car Industry Move to Electric Vehicle Technology?

    by nikesh lakhani | Aug 18, 2021

    Keeping in mind environmental concerns and the population’s reliance on fossil fuels, the Indian Government plans to move towards complete e-mobility by 2030. In the Climate Risk Index 2020 released by GermanWatch, India ranked fifth in the global vulnerability ladder. This makes it all the more critical for India to adopt electric vehicle technology.

    However, despite concerted efforts by the Government, sale of electric cars and two-wheelers in India hasn't reached its pinnacle yet. According to a study by Castrol, most new car buyers in India won't be purchasing electric vehicles until 2025. Many reasons can be attributed to this slow sale of electric cars in India, such as lack of infrastructure, high car pricing, and the time-taking battery charging process. We recommend you to buy a car insurance with your brand new electric car to ensure protection against any unforeseen circumstances.

    What exactly is an electric car?

    An electric vehicle or an e-car runs on an electric motor instead of conventional petrol, diesel or CNG engine. It gains its power by utilising the electricity stored in the motor's battery. Here, the electric motor does the job of a fuel engine. You can recharge the battery of an e-car again and again. Today, there are three kinds of electric cars available in India:

    • Solar-powered electric cars which can be recharged using solar energy
    • Hybrid electric cars, which can be powered by both internal combustion and battery
    • Electric cars which are entirely battery-operated

    What are the advantages of using electric cars?

    Apart from being environment-friendly, electric cars offer dramatically lower operating and maintenance costs as compared to conventional petrol and diesel cars. Let's look at some of the advantages of using an electric vehicle:

    • Puts the environment first

      Electric cars are environment-friendly. Since they derive their power from a battery instead of internal combustion engines, they do not produce any emissions. Thus, electric mobility can help a long way in reducing air pollution in urban Indian cities.

    • Lower operational costs

      On average, electric cars usage may help a person reduce up to 70 to 80 per cent of his/her fuel expenses. From the maintenance point of view, electric vehicles have 75 per cent fewer moving components than conventional cars, which translates into lower maintenance bills.

    • More savings

      The Government of India has taken several steps to increase e-mobility in the country. One of them is offering reductions in road tax charges and vehicle registration fees for electric vehicles. The Government also provides subsidies and incentives to the consumers purchasing electric cars.

    • Reduction in BoP deficit

      India needs to import oil from foreign countries to meet its citizens' demands. In the financial year 2019-20 alone, India imported crude oil worth 120 billion dollars, which increased its Balance of Payment (BoP) deficit with foreign countries. Switching to electric cars can help in reducing this deficit.

    Are electric cars gaining popularity in India?

    Though electric cars' sales were not too encouraging during the initial years, it's slowly gaining popularity among the Indian car buyers. Many top automobile manufacturers, including Hyundai, Tata Motors, Mahindra and Renault, have come up with some best electric cars for the Indian market. These cars are loaded with features and do not compromise on the power factor.

    As per Google trends, electric cars' interest among the common Indian consumers has risen during the last few years. According to industry leaders, the future of the automotive industry in India looks to be electric. There also comes a need of having a motor insurance with your future electric vehicle, because these revolutionary innovations still don't guarantee to safeguard your vehicle under some unforeseen incidents.

  • Illegal Car Modifications You Need to Avoid

    by nikesh lakhani | Aug 18, 2021

    We all love our cars, no matter what their make and model may be. Many of us want to make our vehicle stand out from others on the road. That is why we sometimes opt to modify our cars with aftermarket products or accessories. Car modification may include as little as putting a tint film on window glasses, to as much as changing the entire look of the car with spoilers, alloy wheels, etc.

    However, did you know that not all car modifications are legal in India? Any illegal changes to your car may land you in trouble. It can either lead to your car getting seized or you being penalised by the traffic cops. Hence, before you take your car out for any modification, you must know about the illegal car modifications not allowed in India.

    In this article, we've listed some of India's most common illegal car modifications, as described under the Motor Vehicles Act of 1988. Read on.

    1. Tinted window glass with less than 50% visibility

    This is one of the most common illegal car modifications many people make to their car. Unless you're a VIP or VVIP, applying tint film on your car's window glasses which reduces visibility by more than 50% is illegal in India. You cannot even use sunshades on your car's windowpanes as per the latest laws.

    As per rule 100 of the Central Motor Vehicles Act (CMVA) of 1988, the glass of the windscreen and rear windows of all cars in India should have minimum visibility of 70%. Also, as per the Motor Vehicle Act, motor insurance is mandatory while driving a vehicle. Whereas, for glasses of cars' side-windows, a minimum visibility of 50% is compulsory. Anything less than that, and you would be on the wrong side of the law.

    2. Using fancy and loud horns

    This is another common traffic law that many car owners flout in India. Changing a car's horn with a different sound or enhanced loudness is something many people prefer in our country. However, the Government of India has laid down a prescribed set of guidelines for the horns of cars running in the country.

    As per these guidelines, horns louder than 100 decibels are not allowed for general cars or four-wheelers. It means that if you install fancy aftermarket horns in your car – such as sirens or pressure horns – you could be penalised as per the existing motor vehicle laws.

    3. Installing loud exhaust pipes or silencers

    Exhaust pipes are located at the back-bottom of a car and act as a passage for the exit of high-pressure exhaust gases into the atmosphere. They are also known as silencers in India. The company-fitted exhaust pipes in cars have catalytic converters and hence, they not only regulate the amount of emissions that are released into the air but also controls the overall sound levels.

    Installing aftermarket exhaust pipes that are fancy and loud are illegal in India under rule 120 of the CMVA. It's because they can cause more air as well as noise pollution. Further, such exhaust pipes may not be fit to conduct a Pollution Under Control (PUC) test, which is mandatory to drive a car in India.

    4. Use of fancy registration plates

    Many people in India wish to install designer registration/number plates on their cars. These fancy number plates come in various shapes and sizes. If you also have the same wish, remember that not all fancy registration plates are legal in India.

    As per the Motor Vehicle laws, all new cars are required to have IND embossed high-security registration plates (HSRPs) only. In the case of old cars, the car owner needs to make sure that the letters on the number plate are in a legible font and not something fancy. In case a traffic police officer catches a car driver with an illegal number plate, he/she might have to shell out hefty fines.

  • 5 Facts You Must Know About Voluntary Deductible In Your Car Insurance Policy

    by nikesh lakhani | Aug 18, 2021

    Although only third-party car insurance is mandatory as per Motor Vehicle laws in India, we recommend every car owner procure comprehensive car insurance. Unlike third-party insurance, a comprehensive plan like our Private Car Package Policy protects you against damages to third parties as well as damages to your own vehicle.

    However, since a comprehensive car insurance policy provides greater coverage, it comes with a higher price tag. And that is why many car owners may refrain from buying such a policy. But, by doing so, they expose their vehicle to the risks of theft and damages.

    If you don't want to spend more on your car insurance, you can reduce your premium by opting for a voluntary deductible while buying the policy. In this article, we'll explain what voluntary deductible means, how it can help reduce your premium, and whether it's beneficial to opt for it or not. Keep reading.

    What is a voluntary deductible in a car insurance policy?

    A voluntary deductible in a car insurance policy refers to a fixed amount that the policyholder agrees to pay out of his/her pocket while buying car insurance. Unlike compulsory deductible, the voluntary deductible component is purely the car owner's choice and is not imposed by the insurance provider.

    Let's understand voluntary deductible with the help of an example. Suppose you've purchased comprehensive car insurance with a voluntary deductible of ₹2,500. Now, let's assume that your car got damaged in an accident, drawing a bill of ₹20,000 for repairs.

    In such a case, your insurer will deduct a compulsory deductible (which is fixed by the regulatory authority based on your vehicle engine capacity) along with your chosen voluntary deductible from the claim amount. Assume the compulsory deductible is ₹1000. In this case, you pay ₹1000 + ₹2,500 = ₹3,500, and the insurer pays ₹16,500.

    How does voluntary deductibles help in reducing premium?

    When you opt for the voluntary deductible under your car insurance policy, you reduce the liability of your insurer by promising to bear a part of the claim amount. As a result, your insurance provider sees a reduced payout on claims, therefore choosing to reduce your premium to a certain extent.

    The amount of voluntary deductible chosen by you is inversely proportional to the premium amount you need to pay. It means higher the voluntary deductible, lower the car insurance premium. However, you should note that a voluntary deductible is not available for third party car insurance policies.

    The maximum discount that you can avail on your motor insurance premium by opting for a voluntary deductible is listed in the table below:

    Voluntary Deductible

    Discount Given By Insurer

    ₹ 2,500

    20% discount on OD premium up to a maximum of ₹750

    ₹ 5,000

    25% discount on OD premium up to a maximum of ₹1,500

    ₹ 7,500

    30% discount on OD premium up to a maximum of ₹2,000

    ₹ 15,000

    35% discount on OD premium up to a maximum of ₹2,500



  • How to Protect Your Car’s Engine This Monsoon

    by nikesh lakhani | Aug 18, 2021

    The monsoons are the time of the year when car insurance claims witness the most significant surge. Water-logged streets, slippery road surfaces with more potholes and poor visibility are only a few factors that make any vehicle more prone to damage.

    Water and mud penetration can further cause damage to the engine of your car, repairing of which can be financially and mentally cumbersome. It is, therefore, prudent to understand what precautions to take and the insurance cover needed to protect your car’s engine, when the rains are around the corner.

    Water Ingression – How Bad Is It For The Engine?

    At the time of monsoons, water logging is the primary reason why your car can halt in the middle of the road, leaving you stranded. It happens when water enters (ingresses) into the engine of your car, resulting in its breakdown. This is accelerated when you try to restart the engine in a water-logged street. The phenomenon is known as Hydrostatic Lock, essentially meaning the seizure or freezing of your car’s engine.

    Water enters your car’s engine through the air filter. For ignition, the car needs its piston to function smoothly. But when water ingresses into the cylinder, it replaces the air-fuel mixture required for combustion with water. As water is non-compressible, the piston is not able to complete its reciprocating movement. The engine, therefore, is not able to function and your car does not start.

    Possible Effects of Hydrostatic Lock

    Your car is not vulnerable to damage because of a Hydrostatic Lock; it rather results in severe damage because of the action taken out of it. The water ingression does not let your vehicle start. However, normally in such situations the driver attempts to continuously crank the engine, posing a threat to its other parts and exacerbating the effect. The functioning of the cylinder wall, piston and the connecting rod can be considerably affected.

    The extent of damage due to Hydrostatic Lock varies from engine to engine, also depending upon the degree of water ingression and cranking. Certain spare parts of a car’s engine, if affected, are difficult to be replaced and the whole engine or the particular damaged half would need replacement.

  • 3 Problems only Indian motorists can understand

    by nikesh lakhani | Aug 18, 2021

     However, in the Indian scenario, this seems true for anyone who lays his hands, or for that matter legs on a vehicle.

    Deep potholes, malfunctioning signals, unruly fellow drivers, erroneous pedestrians, persistent roadside hawkers and beggars, all this and much more add to the daily daredevilry of Indian motorists. Here are some common problems only an Indian motorist can empathize:

    Inadequate road systems

    India's road network is among the most extensive in the world, stretching across 48,65,000 km and 1324 km expressways (2014 statistics). Unfortunately, it is also among the toughest to navigate. Improper planning and poor execution leave well-publicized roads and highways unable to cope with more than a modicum of use. Sketchy repairs and poor maintenance add to the woes.

    Adequate planning precedes any modern town or city. Unfortunately and significantly, various factors are at play leading to unplanned haphazard development, with even major cities being connected only by 2-3 arterial roads. The huge increase in the number of motor vehicle owners compounds the issue. The resultant gap between expectation and reality leaves the end-user, the motorist, facing truly testing times.

    Indiscipline on roads

    Motorists make it worse for themselves and others by not adhering to rules, with the argument that in today's world there is no room for latecomers, as a lame justification to compromise on safety. This warped logic only adds to other motorists' problems.

    A damaging statistic shows that most road accidents in India occur during the so-called rush hour, when people are in a hurry or fatigue and limited attention spans distract them. For the pedestrian, who has to rely on public transport and battered footpaths, the chance to thumb already sketchy road-rules is a natural temptation. In addition, the footpaths are often encroached by street vendors - another aggressive institution peculiar to India. At the receiving end of such 'inter-turf wars' is the Indian motorist.M

  • Planning to Purchase an Electric Car? Read This First!

    by nikesh lakhani | Aug 18, 2021

    Get to know the pros and cons of an electric car

    Whether you’re thinking of purchasing an electric car because you want to keep up with the technological advancements, go green or save on fuel costs, here are six things you should know before you make this decision.

    The Pros of an Electric Car

    • Energy Efficient
      The energy efficiency of a car means the amount of energy from the fuel source that is converted to energy that actually propels the car. An electric car is far more energy efficient than a conventional car. Gas powered cars only convert around 20 percent of the energy into car movement, while electric cars convert about 60 percent.

    • Environmentally Friendly
      Electric cars rely on rechargeable batteries and don’t release any tailpipe emissions, which are a major source of air pollution. Electric cars also lead to reduction of overall emission and fuel usage. The fuel that is used can be derived through renewable resources like solar energy.

    • High Performance
      An electric car is a high performance vehicle with a motor that’s not just smooth and quiet but also requires less maintenance. The electric car motor reacts quickly, making the car more responsive and make driving a more enjoyable experience.
  • Choosing Motor Insurance

    by nikesh lakhani | Aug 18, 2021

    If you just want to be on the right side of the law and want to avail the mandatory Third Party Liability (TPL) cover, then choosing motor insurance is easy. If you are choosing motor insurance to cover maximum financial losses arising out of unfortunate events, then it requires meticulous research.

    Understanding Motor Insurance

    Motor insurance can be broken down into two verticals, Car Insurance and Two Wheeler Insurance. Whether you use your registered vehicle for personal, recreational or commercial purpose, as per law it must be insured.

    TPL cover is mandatory and non-compliance leads to penalties. A comprehensive motor insurance cover includes TPL, other plans that cover financial losses due to accidents affecting you and add-ons. The entire Policy Life Cycle (PLC) comprising of purchasing, claiming and renewing an insurance policy can be executed via a simple online process.

    Types of Motor Insurance

    Third Part Liability

    Third Party Car Insurance is an Act Only insurance policy and is compulsory for all motor owners according to the Motor Vehicles Act. This policy does not cover financial losses pertaining to you or your vehicle; it is a cover for the third party. Here, the first party is the insured, second party is the insurance company and the third party is the third person who is affected by your car. The third person can raise a claim against you and your insurer regarding compensation for injury and property damage, in case of death the family of the deceased can raise a claim.

    Own Damage Cover

    Own damage cover safeguards you against financial losses regarding your vehicle. This can be claimed against accidents and theft. Although this is not mandatory it is suggested to opt for the cover to reduce out-of-pocket expenditure in case of unfortunate events like accident and theft. Damages caused by events such as vandalism, burglary, terrorist attack, riots, etc. are covered under this policy.

    Personal Accident Cover

    This cover comes in handy as it lends financial security in case of an accident leading to permanent disability. In case of death the policy holder's family will receive the monetary compensation.

    Add-Ons

    Apart from these types of covers, one can also opt for specific car insurance add-ons to strengthen one's policy. With an additional premium, one can avail add-ons like Zero Depreciation Cover, Garage Cash, Roadside Assistance and others.

    Points not covered under Motor Insurance

    If the policyholder causes an accident under the influence of alcohol and drugs or is driving without a valid driving license, the losses won't be covered. Similarly, losses due to deliberate accidents, mechanical and electrical breakdown, consequential losses, wear and tear etc. shall not be compensated. Thus, it is suggested to read the policy document carefully and make an informed choice while choosing an auto insurance policy.

    Factors to consider while choosing a motor insurance policy

    Claim settlement

    While you are choosing a motor insurance policy, you are also choosing a motor insurance company. You might avail a policy that is tailor-made for you but in the end your claim should be honoured. Thus, choosing a car insurance company with a good claim settlement ratio is a must. One should also go through online reviews and speak to existing policyholders to verify the car insurance company's credentials.

    Comprehensive or bare minimum

    As mentioned earlier, TPL is mandatory however a comprehensive cover can protect you against financial losses. Thus, to opt for the bare minimum or for a comprehensive policy, is a choice that you have to make early on.

    Customer Service

    The insurance company's customer service mechanism needs to be checked. It must be noted if they provide detailed information regarding their products on their website, their efforts regarding consumer education through informative articles and 24 x 7 support on call, chat and email.

    Garage network

    Your two-wheeler and car are ultimately going to go to a garage for healing. Therefore it is necessary to opt for an auto insurance policy from an insurance provider who has a vast network of garages. You can opt for your nearest garage and opt for a cashless settlement for a hassle-free claim.

    Premium

    Your motor's Insured Declared Value (IDV), the insurance company's underwriting policy, your cover and other factors like your vehicle's model, technical specifications, safety devices, insurance zones and depreciation are taken into account while determining the car insurance premium of your vehicle.

    The insurance premium is a crucial factor in choosing the right motor insurance policy; however, it shouldn't be the only factor. Above mentioned factors also must be given adequate weightage before zeroing-in on your insurance policy.

    Policy Life Cycle (PLC)

    Motor insurance policies need to be renewed periodically. Thus, they follow a life cycle comprising of Purchase, Claim and Renewal.

    Purchase

    Insurance has gone digital and this has enabled easy purchasing of insurance policies. Whether you live in a metro or a Tier-II city, you can avail desired motor insurance via the insurance provider's website by filling basic details and making an online payment. You will receive your insurance document instantly in your email.

    Claims

    Make sure you have the right documents in place to support your claim. In some cases an FIR filed with the police department might be essential. Apart from these necessary documents, one must also furnish truthful information in the motor insurance claim form. Be it claim for TPL, Own damage, theft or personal accident, insurance companies follow a transparent claims procedure.

    Your claim may not be honoured if it is not supported by the right documents or falls in the category that is not covered under your insurance policy. The general claims process followed by ICICI Lombard is as follows.

    Renewal

    Car insurance needs to be renewed annually whereas you can insure your two-wheeler for a period of three years, provided your insurer offers that facility. Insurance companies often send reminders to its customers when their policy is about to expiry. You can renew car insurance online it by simply logging on to the insurance provider's website, filling in your policy details and making the online payment.

    ICICI Lombard customers can purchase a motor insurance policy, make a claim, track their claim and renew the insurance policy via a smartphone as well by downloading the IL Take Care App.

  • Items That You Should Include in Your Car Emergency Kit

    by nikesh lakhani | Aug 18, 2021

    Who doesn’t love to go on long drives? The journey along with friends, family is almost always a memorable affair. Unless, you encounter a car breakdown. A breakdown can happen without warning and at any time. There is no assurance that your car won’t fail even if it has been properly maintained, thus it is always better to be prepared for any eventuality than to regret later. Here are some of the things that should be there in every car emergency kit.

    Spare Tyre

    One of the most important components here. Most of us think that the spare tyre in the boot is in flawless and ready-to-use condition. But, that is not always the case. Over time, the spare tyre kept in the boot loses air, resulting in lower tyre pressure. It is advisable to check the tyre pressure before embarking on long journeys.

    A spare tyre is the only thing that can help you, when you encounter a puncture/flat tyre on the road. Take care of it, and it will take care of you.

    Tyre Jack

    That spare tyre is worthless when you don’t have a tyre jack to lift the car up. A jack is a mechanical device designed to lift heavy loads. With a maximum lifting capacity of 3 tonnes, it can easily lift your car up so that you can get to working on the real problem: replacing the punctured tyre.

    Jumper Cable

    The jumper cable is required when the battery of a car goes dead, or runs out of charge. This problem is more common than you think. Turning off the engine and continuing to use electrical equipment requires electricity from the battery. Some people overdo this, and end up exhausting the car’s batteries.

    Jumper cable is a great way to solve this issue, but you’ll need another car with a healthy battery to do a jumpstart. If the journey passes through a remote area, it is better to go equipped with an emergency battery booster.

  • Top High-Tech Car Safety Technologies

    by nikesh lakhani | Aug 18, 2021

    A report published by Transport Research Wing under Ministry of Road Transport and Highways has revealed that 17 deaths occur in road accidents every hour in India. As per the data cited in the report, 4,80,652 road accidents were recorded in the country, which led to 1,50,785 deaths last year.

    Indian roads are among the most unsafe in the world. While there is no substitute to responsible and attentive driving, here are some high-tech safety features that ensure a safe and smooth drive.

    Adaptive Cruise Control

    The modern day cruise control can, not only maintain a constant speed, but it can adjust the throttle and brakes to keep a safe distance from any object or vehicle in front of your car. If the system senses a potential collision by using sensors and radar, it will tighten the seat belts and apply the brakes.

    Periphery Sensors

    The technology is designed to notify you about the objects or vehicles in your blind spot during driving or parking. It will alert you with a light, sound or steering vibration if you are about to collide with a car or an object. This high-tech feature may even give you the luxury of reversing the car without even turning back.

    Heads-Up Display

    You might be forced to look into the navigation screen or your dashboard which means to take your eyes off the road. This is not only annoying but also dangerous while driving the car. Heads-up display puts the navigation and other information right there on the windshield in front of you. It means you don’t have to take your eyes off the road even for a second.

    Lane Keeping Assist

    The system assists you in driving in your lane. It uses cameras to detect the lane marking and determine if a car has drifted across its marked lane, giving a visual or audible notification. The system turns itself off when you use directional indicators to take a turn. More advanced technology can even steer you back in your lane if you are moving far away from it.

  • Important Points about Car Insurance Policy Cancellation

    by nikesh lakhani | Aug 18, 2021

    Want to cancel your car insurance policy? Relax, the process is quick and easy

    There may be situations where you might want to cancel your car insurance policy. In such cases, there might be a certain amount of money that you might have to pay to your insurance company as fees. Whether or not the fee is charged will depend upon the time when you cancel your plan.

    For instance if you cancel your policy during the term of the insurance, a fee will be charged. If the annual premium has been paid and there is still time left on the policy, then the insurer will be responsible for reimbursement of your premium amount on cancellation.

    Reasons for Car Insurance Policy Cancellation

    There may be various reasons why you would want to cancel your insurance policy. For instance, if you want to sell your car, the old insurance will serve no purpose and you will have to get it cancelled.

    There could be other reasons too, such as theft of your vehicle, disposal of your car due to the age of the vehicle and dissatisfaction with your insurance company due to various reasons such as a high premium, stringent policy clauses, lower sum assured or some similar reason.

    The Process of Cancellation of Your Car Insurance Policy

    Having an auto insurance policy is imperative for everyone who owns a car. If you choose to apply for a cancellation, you must buy another policy. To begin the process of cancellation, intimate your insurance company about your decision to cancel the policy in writing. This will set the process of cancellation in motion, with the entire process taking not more than 15 days.

    Once the cancellation process is completed, the insured will receive a letter confirming that the policy has been cancelled; any pending dues that are to be refunded by the insurer will also be mentioned in this letter. That’s not all. You will also need to follow-up with your insurer to collect the Certificate of Insurance. This certificate will come in handy when you go for a new insurance policy.

  • 5 Things to do if Your Car Insurance Expires

    by nikesh lakhani | Aug 18, 2021

    Amidst your busy schedules, renewing your motor insurance policy can easily slip your mind. Now-a-days, most insurance companies offer reminder facilities for policy renewal. However, if you still missed the date, it is important to contact your insurance provider as soon as you realize the slip. If the policy has just expired, you may be able to reinstate it without any penalty. Ensure you don't take your car out until you get a fresh policy.

    The following steps will guide you through the insurance revival process:

    Step 1: Get organized

    If you failed to renew your motor insurance policy on time, get in touch with your insurance company and fix an appointment for the vehicle to be surveyed. Once the survey is satisfactorily completed you can go ahead and purchase the insurance policy.

    Collect your previous policy documents and all claim-related papers. The insurer requires these papers to look into your claims' history and accordingly you will be entitled for a No-claim Bonus (NCB) on your new policy.

    Step 2: Keep your vehicle documents handy

    Equip yourself with your vehicle details. These include the city where your vehicle is registered or the RTO's address, first registration date, manufacturer's name and model details.

    Step 3: Logon to the insurer's website

    Avoid tedious paperwork and simply logon to the insurer's website with the documents and details ready at hand. Click on the online renewal option and fill in the details in the appropriate fields. You can renew your car insurance as well as two-wheeler insurance online, by following quick and simple steps.

    Step 4: Fill and crosscheck details online

    Make sure to fill in correctly the policy number, vehicle registration dates and other details. Before submitting these details, crosscheck them against the documents in hand to avoid miscommunication. On submission of the renewal form, you will receive a quote from the insurer.

  • How-to Claim Under Third Party Car Insurance

    by nikesh lakhani | Aug 18, 2021

    What is third-party car insurance and what it covers

    A car owner must carry third-party motor insurance under the Motor Vehicles Act, 1988. This government-mandated requirement ensures that in the event of an accident, he/she can compensate the aggrieved party for bodily injuries/death or material damages and take care of any legal liabilities arising from the accident.

    Third-party vehicle insurance is a two-way street. While you might pay a third party in case of an accident due to your fault, this car insurance type can also be availed in case you are at the other end of the line.

    Also known as ‘Act Only’ plan, this car insurance variant is specifically designed for damages sustained by a third-party. However, several insurance providers offer personal accident cover to the insured. This ensures that in the event of an accident, the car owner is not only capable of compensating the third-party but can also take care of himself and his loved ones, in case of personal injuries or even death.

    Here are a few of the major claims that you can make from a third-party car insurance holder in case of an accident:

    • Medical expenses claim in case of bodily injuries incurred due to the accident. You can also claim for treatment expenses for the injuries sustained.
    • A compensation claim for physical disfigurement.
    • Compensation for loss of earnings due to disability that prohibits from working.
    • A compensation claim can also be filed by the dependents of the third-party if he/she passes away due to the accident. This claim is based on the ground of the income lost due to death.
    • In the case of a claim filed for damages to the third party, IRDA has capped the compensation ceiling at ₹7.5 lakhs for insurance companies. However, in case the claim exceeds the capped amount, then the deficit has to be paid by the car owner.
    • There’s no regulated cap on compensation claims filed for injuries and death.

    Now that you’ve familiarized yourself with the nitty-gritty of third-party car insurance, here is the complete process on how to claim 3rd party car insurance if you are the aggrieved one:

    Third-party motor insurance compensation claim in case of disability, injuries or death

    • File an FIR with the police immediately after the accident and take a copy of the same.
    • Obtain the third-party motor insurance details of the car owner.
    • Take a copy of the charge sheet filed by the police against the car owner.
    • Hire a motor claims lawyer and file a compensation claim case in the Motor Accident Claims Tribunal. Remember, such cases do not fall under the jurisdiction of civil courts. The claim has to be filed in the tribunal court of the area where the accident has occurred or in the area where you (the claimant) resides.
    • In many cases, the car owner would suggest an out-of-court settlement, wherein a mutually agreeable amount is settled upon. Although this process is legally permissible, however, it’s best to get the authorities involved in case of an accident.

    Third-party car insurance compensation claim in case of property damage

  • Leave your driver’s anxiety behind

    by nikesh lakhani | Aug 18, 2021

    If you’re driving across Whitefield in Bangalore or around Marine Drive in Mumbai, there is a high possibility that you’ll come across these 3 things - traffic that takes an eternity to disperse, a jaywalker who has to make his way through the traffic, and a reckless driver who has to overtake every other vehicle on the road. Add to this the degrading conditions of the roads of our country, and being a driver becomes quite a task.

    The year 2017 saw the death of 1.49 lakh people due to road accidents which roughly counts for the entire population of Shillong, the capital of Meghalaya. Accidents or their causes cannot be predicted but one can take certain precautionary measures; having a motor insurance plan will definitely help you drive worry-free and forget about the what-ifs.

    What constitutes car insurance?

    Based on the coverage, there are two types of motor insurance - third party liability policy and comprehensive car insurance policy. The third-party liability coverage pays for the losses or damages caused by your car to any third party during a mishap. On the other hand, a comprehensive policy, along with the third-party liability also covers the losses or damages caused to your own car in case of an accident.

    A comprehensive motor insurance plan provides coverage for the damages inflicted to the policyholder’s vehicle, arising out of accidents, vandalism, riots, natural disasters and calamities, loss due to theft and personal accident. A comprehensive motor insurance hence provides an all-around protection to the insured person and his/her vehicle, and thus, enabling them to drive their car stress-free.

    What is the need for car insurance?

    With expanding formal sector employment, increasing disposable income and easy financing solutions, owning a car is no more a distant dream for the Indian households. Vehicle density seen on Indian roads is greater than the carrying capacity of our current road network. Along with this increased vehicle density, the chances of mishaps and accidents have also increased, thereby, increasing the need for car insurance.

    Adherence to the law

    As per the Motor Vehicle Act of 1988, a minimum of third-party liability cover is mandatory for every vehicle plying on Indian roads. The third-party liability cover is the arrangement between the insured and the insurer wherein the insurer promises to cover the costs of damages or losses incurred to any third party (in lieu of a price called the premium) arising out of the mistake or negligence of the policyholder or first party.

    Takes care of your liability

    The mandatory third-party motor insurance essentially guards a car owner from the legal, financial, and medical liabilities that he/she can incur in case of an accident or a collision. The third-party liability cover policy takes care of the liability you owe to the aggrieved party, in case of a loss or damage to the property, bodily injury, or disability caused at your fault. However, the third-party insurance does not cover the policyholder for any loss or damage to his/her own car or property in case of an accident or theft.

    Reimburses the damage

    While a third-party insurance covers the damages inflicted to the third party, a comprehensive car insurance  takes care of the damages and losses to your own vehicle as well as damges caused to third party.

  • 5 Tips to Avoid Purchasing Fake Motor Insurance

    by nikesh lakhani | Aug 18, 2021

    A popular way people get scammed in our country is by buying fake insurance policies and not realizing they have been conned, until they make a claim. Save yourself from such a shock by avoiding the fake policy trap with these smart tips.

    Rely Only on Credible Sources

    It’s not easy to tell if a policy is genuine or fake by merely looking at it, thereby making it important to deal with only credible sources. It’s always safer to buy an insurance policy directly from an insurance company and to eliminate the middlemen, because any dealer or agent can easily print and give out a fake policy.

    Buy the Policy Online or Pay by Cheque

    In this day and age, buying an insurance policy online is the way to go. It’s not only convenient but also avoids all risk as the payment is made directly to the insurance company. In case you are buying it offline, make sure to make the payment by cheque. Ensure that the cheque is in the favour of the insurance company and not in the favour of any individual.

    Read the Policy and Verify Using the Verification Link


    It’s essential to take a few minutes and read the policy thoroughly. Most insurers now offer a policy verification link on their website, which you can use to confirm the validity of your car insurance policy. In case of further assurance or to clarify details, you can also contact the customer service of the insurance company.


    Buy the Policy from Licensed Insurers

    Currently in India there are 33 recognized and accepted general insurance companies. To eliminate the risk of buying a fake policy, you must buy your insurance policy only from one of these 33 insurance companies. You can check the list of these licensed companies on the website of the Insurance Regulatory and Development Authority (IRDA).

    Con artists, however, find a way to duplicate the logo of these companies and still manage to sell fake policies. This calls for an additional safety measure, which is checking the existence of the motor insurance policy. You can do this by simply visiting an official branch of the company in your city or going to their website or writing to them.

  • Anti-theft Devices and Their Impact on Car Insurance

    by nikesh lakhani | Aug 18, 2021

    The significance of anti-theft devices in vehicles

    According to National Crime Records Bureau (NCRB), in 2015, with more than 32,000 stolen vehicles, Delhi topped the list for vehicle thefts in the country. Uttar Pradesh (UP) and Maharashtra came in a close second, with a vehicle being stolen every 13 minutes in UP. These figures are only rising year on year.

    The arrests made by the Delhi Police and other state police forces in 2016 reveal how new-age gangs take the help of stolen data, laptops and female members to steal high-end luxury cars. After spending a fortune on your dream vehicle, these numbers across metropolitans and other Indian cities can be startling. Therefore, it is important to check if your vehicle is really secure, beyond the mere lock and key.

    Anti-theft Devices and How They Help

    With the advance in technology, it is possible to adopt a proactive instead of reactive approach to protect your car. While it is quite unlikely that you can prevent your car from being stolen, there are several warning systems that you can employ to reduce the likelihood of such an event. This is where anti-theft devices play a significant role. The installation of an anti-theft device that is approved by the Automobile Research Association of India (ARAI) not only enhances the security of your vehicle, but also lowers your car insurance premium.

    These days, most car manufacturers in India provide in-built anti-theft devices. However, you can also install them at a later stage; the cost would be determined by the technological advancement of the device. Basic mechanical systems will cost less as compared to intelligent computerised systems.

    What Type of Anti-theft Devices Do You Need?

    • Mechanical Immobilisers
    • These are the least expensive anti-theft devices in the market. Being visual, these should be enough to ward off amateur car thieves. It is recommended to include an immobiliser in conjunction with other anti-theft devices.

      Types of mechanical immobilisers include steering wheel lock, hood lock, tire lock, gearshift lock, ignition/steering wheel column and crook locks, etc.

    • Electronic Immobilisers
    • Many vehicles today come with standard car keys and fobs that protect their cars via electronic immobilisers. These built-in transponders or microchips send signals to the ignition and fuel pump system. The ignition will work only if it receives the correct signals or it remains static.

  • Prepare Your Car for A Road Trip

    by nikesh lakhani | Aug 18, 2021

    Road trips are fun and let you travel far and beyond with the convenience and luxury of your own car. While Indian highways now have every facility available, from your favourite burger place to medical stores and garages, to ensure a smooth ride you need to be well-prepared. Impromptu or a well-planned trip, ensure the following before driving off for a memorable experience:

    Check Tyre Pressure

    Too much pressure reduces grip and increases average, while too less will give you a better grip but reduced fuel efficiency. Check the tread of your tyres to analyse their health. In addition, it is not advisable to drive with worn out tyre treads as it can seriously impact the handling quality of your ride.

    Fill-up All Fluids

    Ensure that the levels of the engine oil, brake fluid, power steering fluid, coolant are at an optimum level. These increase the life and performance of the car engine, thereby reducing the chance of breakdowns.

    Upgrade Your First Aid Kit

    A first aid kit is your first line of defence against emergencies and life threatening situations that may happen at any time. Be prepared with a first aid kit that contains specific medicines for particular medical conditions that your passengers may be prone to such as asthma, allergy, antibiotics and painkillers.

    Carry Spare Tyre, Puncture Repair Kit and Tools

    Tyres are exposed to the most wear and tear, which makes it essential to bring along a spare tyre, tool kit and puncture repair kit. Pre-planning can save you from being stuck in middle of nowhere without a spare tyre.

    Charge Battery

    Check if your battery is properly charged and won’t cause a problem during your trip. Double check for corrosion on terminals, clean it with baking soda, water and a toothbrush to ensure better conductivity.

    Fix Washer Fluid and Wipers

    Your windshield should be clean from debris and build-ups. Make sure your wipers are clean and working properly. Maintaining the levels of washer fluid and water will ensure a longer life for your wipers and avoid your windshield from being scratched.

    Ensure the Safety of Co-passengers

    Seatbelts are often considered as an inconvenience. However, studies have shown that people have an exponentially higher rate of survival in case of an accident if seatbelts were on.

    Go for a customised seatbelt in case you are uncomfortable or get extenders that ensure you are safe and not suffocating. Although not mandatory, children should never ride in the front passenger seat. Strap them in the back seat, and if possible, get a car seat for toddlers and infants.

    If your car has a central door-locking mechanism, ensure you have the child lock feature on. In addition, make sure all your doors are closed properly before you start your car.

    Avoid Drinking and Driving

    This one is a no-brainer. When you drive under the influence of alcohol or other substances, it compromises your alertness and sense of judgement. This can cause harm to you as well as others around you. Don’t do it.

    Light up Appropriately

    This includes headlights, high beams, fog lights, brake lights, indicators and reverse lights. A bad light can easily cause an accident during night-time.

  • Is It Possible to Have a Combined Motor Insurance Policy for All Your Vehicles?

    by nikesh lakhani | Aug 18, 2021

    If you are one of those people who have more than one car at home, or have multiple cars registered on the same address, then you would understand the problems that crops up where insurance is concerned. Having multiple cars mean keeping tab of their premium payment dates, renewal dates and going through a lot of paperwork. But, there are car insurance plans available in international markets that provide comprehensive coverage for a minimum of 2 and a maximum of 5 cars.

    These insurance policies are known as multi-car insurance, and though they are not yet available in India, we take a look at some of the pros and cons that they come with.

    Advantages

    • Discounts: This is among the biggest benefits of purchasing a multi-car insurance policy. The insurance company is willing to give better deals if there are more cars being insured under the same policy. A great bargain can be had as most insurers are open to discounted rates in view of the long-term association with customers. Further, it is always beneficial to offer discounts and sign up the whole family, rather than have a single policyholder’s car insured with them.
    • Different Drivers: In this policy there is a main driver, and there are named drivers - people who drive the car other than the main driver. It doesn’t matter from the insurance aspect as long as any one of these drivers is in the driver’s seat. The only criterion is that the car should be registered at the same address.
    • Paperwork Simplified: With multi-car insurance, it is easier to manage the insurance policies for multiple cars, as they all come under one policy. You only have to remember one renewal date, and make one premium payment for all your cars. The result is less hassle and less paperwork.

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