Car tyres are the only components that come into constant contact with the road, which exposes them to continuous friction, heat and pressure. While some wear is natural over time, uneven or premature tyre wear often points to underlying issues. Recognising tyre wear patterns early helps you fix problems sooner, improve safety, reduce repair costs and extend tyre life.

Let us look at the most common types of tyre wear and the ways to prevent them.

Common types of tyre wear patterns

Depending on how it has been used and how well the car has been maintained, a tyre may show different wear patterns. Here are the most common types of car tyre wear:

• Centre wear: The middle portion of the tyre's tread wears off faster compared to the sides.
• Edge wear (shoulder wear): Inner or outer edges of the tyre wear down more than the centre.
• Cupping or scalloping: The tread has a wavy, irregular wear pattern with high and low spots showing.
• Feathering: One side of the tread block feels smooth, while the other side feels sharp.
• Patch wear: Tyre has worn-out spots in random areas.
• One-sided wear: One side of the tyre, either the inner or the outer, wears out much more quickly than the rest.
• Heel-and-toe wear: A saw-tooth pattern appears across the tread blocks.

Causes of different tyre wear patterns

Here are some of the causes:

1. Over-inflation: Too much air pressure pushes the middle of the tyre outward, which creates centre wear.
2. Under-inflation: Low air pressure makes the edges touch the road more, leading to shoulder wear.
3. Wheel misalignment: If the wheels are not aligned properly, the tyres do not sit straight. The outcome is one-sided wear, feathering and inner or outer edge wear.
4. Worn suspension parts: Damaged or weak suspension parts result in bouncing of the tyre, which in turn leads to cupping and scalloping.
5. Unbalanced tyres: If tyres are heavier on one side due to uneven weight distribution, you may see patch wear and vibration of the vehicle at certain speeds.
6. Aggressive braking and fast acceleration: Sudden braking or rapid acceleration can create flat spots and patch wear.
7. Incorrect tyre rotation: Front and rear tyres wear differently due to variations in load and steering dynamics. Failing to rotate tyres regularly can cause uneven tread depth and lead to heel-and-toe wear, reducing tyre lifespan and affecting vehicle handling.

Solutions to fix tyre wear patterns

Once you understand the cause, you can fix the issue. Here's how:

1. Tyre pressure adjustment

Check your tyre pressure every 2–3 weeks to ensure it is at the recommended pressure, which can be found near the driver’s door or the fuel lid. The correct pressure lets the tyre touch the road evenly and prevents centre or shoulder wear.

2. Wheel alignment

If your car pulls to one side or the steering feels off-centre, then your vehicle’s wheels may be misaligned. Proper alignment will help even tyre wear and can prevent one-sided or edge wear.

3. Balance tyres

Balanced tyres prevent vibration and reduce patch wear. It also makes your drive smooth and safeguards the other components of the vehicle.

4. Rotate tyres regularly

Rotating tyres every 8,000-10,000 km will give even wear. This extends the life and maintains consistent performance.

How to prevent abnormal tyre wear

Preventing tyre wear is easier and more cost-effective than repairing the damage later. Follow these practices:

• Maintain tyre pressure: Keep tyres at recommended levels for even wear.
• Regular inspections: Check for cracks, bulges or objects.
• Wheel alignment: Ensure proper alignment to avoid uneven wear.
• Rotate tyres: Regular rotation prolongs tyre life and improves performance.
• Choose suitable tyres: Match tyres to your car and driving conditions.

When to replace your tyres

Even when properly cared for, tyres have a limited lifespan. You should change them when the tread depth falls below about 1.6 mm or when the tread wear indicator becomes visible. A tyre with cracks, deep cuts or a bulge/bubble is unsafe and therefore needs immediate replacement. If your car tyres keep losing air or show uneven wear that cannot be fixed by alignment or balancing, it’s a sign of more serious damage. Also, remember that tyres age and it’s best to replace them every 5–6 years, even when not in use.

How tyre wear impacts car insurance

The condition of your vehicle tyres can influence car insurance claims and coverage:

1. Accident claims: If worn-out or damaged tyres contribute to an accident, insurers may reduce or reject the claim.
2. Limited tyre coverage: Standard policies generally do not cover tyre wear or damage from regular use; additional add-ons may be required for tyre protection.
3. Safety and premiums: Well-maintained tyres reduce accident risk, which can help keep insurance costs stable over time.
4. Third-party coverage limits: A standard third party car insurance policy covers damage or injury to others, not damage to your own car.

Conclusion

Tyre wear patterns may seem like a small detail, but they reveal a lot about your car’s condition. By understanding what each wear pattern indicates, you can identify issues early, maintain safety and avoid costly repairs. Routine care, such as maintaining proper tyre pressure, rotating tyres, checking alignment and inspecting for damage, can significantly reduce uneven wear and extend tyre life.

FAQs

1. How often should I check car tyre pressure?

Every 2–3 weeks, and always before long journeys.

2. What is the biggest cause of uneven tyre wear?

Mostly due to incorrect wheel alignment, improper tyre pressure or faults within the suspension system.

3. Should all four tyres be changed at the same time?

Not necessarily. However, the tyres on the same axle should match to maintain proper balance, stability and overall safety while driving.

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

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A gearbox, also called transmission, is a mechanical device which transfers power from one part to another. It also regulates speed and torque between car components like a load and a motor.

Simply put, a gearbox is a collection of gears connected to the wheels and shifted to manage speed and torque while driving. The gears are arranged in different patterns to provide various speed levels while maintaining the engine performance.

Due to its constant use, wear and tear can cause various types of gearbox problems. Considering its role in directing power from the engine to the wheels, it is necessary you never overlook them. Understanding what these issues are is essential for timely identification and resolution to maintain the optimal performance of the gearbox.

List Of Common Car Gearbox Problems

• Insufficient Acceleration or Throttle Response

This problem leads to a delay in the car's acceleration. This can happen due to a faulty clutch, exhausted plates, worn-out clutch springs or air in the fluid passage.

• Transmission Fluid Spillage Under Your Car

Transmission fluid is a bright orange liquid required to lubricate the gearbox. It can spill and accumulate under your car because of excessively high oil levels in the enclosure, damaged oil sealings, loose nuts or bolts or a crack in gear sealing.

• Grinding Noise and Buzzing During the Gear Shifts

One of the most common gearbox problems is the shaking and grinding of your car during a gear shift. It can happen due to a dry rear wheel bearing on the main shaft, damaged speedometer drive gears, insufficient lubrication because of worn bearings and shaft, or excessive recoil in a gear train.

The Maruti Brezza 2025 continues to dominate the compact SUV category in India with its fuel-efficient performance, advanced features and bold design. It is perfect for city drives and weekend getaways and combines a premium feel with practicality.

After it was introduced in 2016, Brezza became a favourite among Indian buyers for its affordable upkeep, strong mileage and reliability. Its 2025 version takes things a bit further with enhanced safety features, improved looks and a diverse range of smart technologies.

This blog explains the price range, engine, performance, design and exterior features of the Maruti Suzuki Brezza for 2025 in detail.

Maruti Brezza 2025 price in India

The Maruti Suzuki Brezza has many variants, and each of them comes with a different price range. The table below provides you with clear insight into the pricing:

Along with purchasing a Maruti Suzuki Brezza, it’s also important to consider a good car insurance policy. A comprehensive car insurance plan can cover the cost of repairs or replacements, helping you avoid unexpected financial burdens and providing peace of mind while driving.

Engine & performance specifications

The vehicle comes with a 1.5L K15C smart hybrid petrol engine that offers an efficient and refined performance along with either a 6-speed automatic or a 5-speed manual gearbox. The eco-conscious drivers can opt for the CNG variant, which offers an outstanding balance of economy and performance. For the performance, it includes the following:

Torque and power

The hybrid/petrol mode consists of 102 and 99 bhp and 139 and 137.1 Nm of torque, and the CNG ones have 87 bhp and 121.5 Nm of torque.

Mileage/fuel efficiency

The petrol manual variant has a mileage of 17.38 km/l, the petrol hybrid manual has 19.89 km/l, the petrol hybrid automatic has 19.80 km/l, and the CNG offers 25.51 km/kg of mileage.

Design & exterior features

The new Maruti Brezza 2025 carries a muscular and bold stance with a redesigned grille, dual-tone alloy wheels, LED projector headlamps and a modern-day rear profile. The SUV’s rugged body lines and upright proportions offer it a commanding road presence. Here are some of the exterior features of this SUV:

• Shark fin antenna
• Dual-tone paint options
• 16-inch diamond-cut alloys
• LED taillamps and daytime running lights (DRLs)
• Skid plates and roof rails

Interior features & comfort

For the interior section, the SUV contains a premium dual-tone cabin with a user-friendly layout and high-quality materials. The seats provide excellent cushioning for long drivers, while the generous headroom and legroom ensure comfort for all passengers. The interior section also consists of the following features:

• Push-button stop/start
• 9-inch SmartPlay Pro and touchscreen infotainment
• Rear AC vents
• Wireless Apple CarPlay and Android Auto
• Automatic climate control
• Ambient lighting
• Electric sunroof

Safety & driver-assistance features

Here are the driver assistance and safety features of the Maruti Suzuki Brezza:

• 6 airbags for the top variants
• High-speed alert and seatbelt reminders
• Anti-lock braking system (ABS) with electronic brakeforce distribution (EBD)
• ISOFIX child seat anchors
• Electronic stability program (ESP) with hill hold assist
• Reverse parking camera

The SUV also has rear/reverse parking sensors that help in parking, along with TPMS (Tyre Pressure Monitoring System), which is reported in some trims. Apart from that, the Maruti Brezza also has a good structure/frame made out of stronger steel for good crash protection.

Suspension, brakes & tyres

The SUV offers a ground clearance of 200 mm, which helps in handling potholes, uneven surfaces and typical Indian road conditions. Although the exact technical specs are not always detailed properly, the updated suspension has been tuned for much better ride comfort on rough roads.

The standard braking setup of disc brakes in front and drums/ rear disc might rely on the variant. Additionally, the SUV has 16-inch alloy wheels in several trims, offering it a good road presence and a firm grip.

Infotainment & connectivity features

Maruti has upgraded Brezza’s connectivity and infotainment features to match perfectly with the modern-day expectations:

• Connected car tech: The SUV uses the Suzuki Connect that offers over 40 features, such as vehicle tracking, trip history, remote start and even geo-fencing.
• OTA (over-the-air) updates: The system might support the over-the-air updates to keep the infotainment well-updated.
• Wireless charging: This feature might be available in the top variants. It makes life a lot easier for passengers.
• Speakers: The SUV has a decent sound system as it comes with a 6-speaker setup in the premium versions.
• HUD (heads-up display): This particular feature helps drivers by showing them main driving information without taking their eyes off the road.
• Cruise control: The feature comes in higher trims, enhancing the highway driving comfort.
• Infotainment screen: Brezza has a 9-inch touchscreen (SmartPlay Pro and system) in various trims.

How the 2025 Brezza compares with competitors

Before you purchase the vehicle, it’s important to check how this SUV stacks up against its rivals in the compact-SUV category:

Conclusion

The Maruti Brezza stands out as a thoughtful upgrade for a popular compact SUV. It brings in improved safety features, refined engine lineup and modern-day connectivity. The SUV also comes with many variants, making it perfect for various kinds of vehicle buyers. While it competes greatly with other compact SUVs, Maruti’s service network, familiar engine and low running expenses provide it a compelling edge. Individuals who are looking for a well-equipped, efficient and reliable SV, the Brezza 2025 might be a smart choice.

Furthermore, while you make plans to buy this vehicle, make sure to obtain a third-party car insurance plan for the SUV. It is required by law so that you can drive legally. To get customised advice on vehicle insurance, please fill out the form available on this page.

FAQs

1. Is the Maruti Brezza a good choice for long highway drives?

Yes. The Brezza provides a stable drive and good mileage on long journeys. However, due to its softer performance and 1.5L engine, it might feel less powerful during quick overtakes compared to some turbocharged rivals. 

2. Is the Brezza Urbano edition available in 2025?

No. The Brezza Urbano edition, which is the previous edition, is not available in the 2025 model year. This was a specific package provided back in 2024, and there is no direct replacement listed under the 2025 model year as of yet. Future editions might be announced.

3. What is the difference between Brezza VXi and LXi?

The main difference between these two variants is that VXi provides upgraded convenience features, such as a height-adjustable driver’s seat, automatic weather control and a 7-inch touch screen. The LXi variant, on the other hand, is a much more entry-level and basic model with a manual air conditioning feature. 

4. Which Brezza variant stands out as the best option?

The ZXi variant can be a preferred choice because it provides a balance of value for money and features. If you prioritise fuel efficiency with long-term savings, the Zxi CNG might be a good choice. If the budget is your primary concern, the LXi might be a good starting point.

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

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The MG M9 is viewed as a carnival-sized premium electric MPV that also goes by the name Maxus Mifa 9 in global markets. The vehicle features a 3-row seating configuration and a van-like design, with the capacity to accommodate up to 7 passengers.

This vehicle aims to combine style, comfort and technological innovation together. It could appeal to vehicle buyers who are looking for eco-friendly and high-end cars that do not compromise on luxury. This blog offers detailed information on MG M9, its price, features and specifications.

MG M9 price in India

The ex-showroom MG M9 price in India is ₹69.90 Lakhs. The on-road price of these vehicles in many Indian cities has been estimated to be around ₹73.47 Lakhs. The vehicle is sold through the MG Select dealerships and not via the regular MG showrooms.

MG M9 features

At present, the MG M9 is offered in a single fully loaded Presidential Limo variant with no lower-spec trims. It comes in three shades: concrete grey, metal black and pearl lustre white. Here are the key MG M9 features:

1. Exterior design

The MG M9 measures 5,200 mm in length, 2,000 mm in width and 1,800 mm in height, with a 3,200 mm wheelbase. It features split LED headlamps with a DRL strip, 19-inch alloy wheels with Continental self-healing tyres and electrically sliding rear doors. The rear section comes with connected and sharp LED tail-lamps that extend downwards and have a spoiler with chrome lining and a stop lamp on the bumper.

2. Interior design

On the inside, the vehicle has suede upholstery and brown leather across its 3-row layout. MG M9 also comes with a 2-spoke steering wheel, a 7-inch digital driver’s display and a 12.23-inch infotainment system. The vehicle also has an intelligent armrest control panel, a yacht-style sunroof, 64-colour ambient lighting and a premium 13-speaker sound system.

3. Storage space

The vehicle’s boot space is 945 litres, which can be expanded further. It also has a 55-litre front trunk that adds extra storage.

4. Technology and safety

The vehicle is constructed with ultra-high-strength steel for structural rigidity. It also features 7 airbags for proper occupant protection. The Level 2 ADAS (Advanced Driver Assistance Systems) are also included in the digital monitoring system. MG has also claimed 5-star safety ratings in ANCAP and Euro NCAP tests.

MG M9 engine, performance & specifications

The MG M9 uses a 90 kWh NMC battery paired with a front-mounted motor that produces 245 hp and 350 Nm. It delivers a claimed 548 km range (MIDC), based on internal testing.

Charging from 30% to 80% takes about 30 minutes with a 160 kW DC charger, while a full charge on an 11 kW AC unit takes roughly 10 hours.

It ships with a 3.3 kW portable charger and an 11 kW wall box. The M9 offers Sport, Eco and Normal drive modes, along with a lifetime battery warranty for the first owner and a 3-year/unlimited km vehicle warranty.

Pros and cons of the MG M9

The MG M9 also comes with many drawbacks and benefits, which are mentioned below:

Pros

• It has a long driving range (548km), making it useful for long trips.
• Offers luxury-level comfort, such as ventilated seats, ambient lighting and a dual sunroof.
• Provide rapid charging, with the DC charging being pretty fast.
• Offers a lifetime warranty on the high-voltage battery.

Cons:

• It’s very expensive and might not be affordable for average buyers.
• Has only one variant. There is no more basic or cheaper model available for consumers with tightened budgets.
• The charging infrastructure might still be a limitation for some users, depending heavily on their city.
• The long AC charging time (around 10 hours) might be inconvenient for day-to-day usage if only the home charging option is used.

Conclusion

The MG M9 marks a strong entry into India’s electric MPV space, offering premium features, ample space and a practical range. Along with the right vehicle, consider opting for a four-wheeler insurance policy. It’s important to have the required third-party car insurance, and opting for a comprehensive plan provides wider protection against accidents, theft and damage.

FAQs

1. What are the vehicle’s safety features?

The M9 comes with Level 2 ADAS, a strong body built from high-strength steel, a driver monitoring system, and 7 airbags. It also has a tyre pressure monitoring system (TPMS) and an electronic stability program (ESP).

2. What is the difference between the MG M9 and the Toyota Vellfire?

The primary difference between these two vehicles is that the M9 is completely electric and comes with a low price point. The Toyota Vellfire, on the other hand, is a hybrid luxury MPV that is costlier.

3. What is the mileage of the MG M9?

The vehicle has an ARAI-claimed mileage of 548 km for every full charge. This range is based on a single 90 kWh battery pack and an electric motor with a front-wheel drive configuration.

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

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Every car owner visits a petrol pump regularly. To keep everyone safe and avoid crashes, following the right safety steps at petrol pumps is important. Let's look at some of the important rules of petrol pumps that everyone should follow.

List of rules to follow at petrol pump

Here is the list of important petrol pump safety rules to keep in mind:

1. Switch off your engine

The basic rule is to turn off your car's engine before refuelling. Modern vehicles contain numerous electrical components that can create sparks. These sparks, mixed with fuel fumes, could lead to dangerous conditions. Additionally, turning off your vehicle while you refuel can help you avoid using too much fuel.

2. No smoking or open flames

It may seem obvious, but it's important enough to reiterate: never smoke at a petrol pump. The combination of fuel fumes and any open flame can be extremely dangerous, so most gas stations have clear 'No Smoking' signs.

3. Keep mobile phones away

Cell phones can be dangerous at gas stations, but rarely, especially if they're too hot. Moreover, using phones during filling can be distracting, making you less aware of your surroundings. It's best to keep your phone inside the car or your bag during refuelling.

4. Avoid overfilling

Overfilling can lead to fuel spills, which can cause safety risks and environmental issues. Spilt fuel can also slippery the ground and release dangerous fumes into the air.

5. Stay alert

Petrol pumps are busy places with steady car traffic. Be aware of your surroundings, watch for fuel leaks, and observe odd smells or situations. Being aware can help avoid crashes and ensure everyone's safety.

Conclusion

Everyone must ensure safety at gas pumps. While these petrol pump rules seem basic, following them can prevent major crashes. While following safety rules is crucial, having proper insurance coverage for your car is equally important. A comprehensive car insurance policy can protect you financially in an accident, theft, or natural disaster. Additionally, ensure you have third-party car insurance, which is a legal mandate in India and covers losses to other vehicles or property.

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

Many four-wheeler enthusiasts find the idea of squeezing a bit more power out of a regular vehicle quite tempting. One way you can get that immediate burst of speed is by using NOS (nitrous oxide). Legally, the use of NOS is prohibited on public roads, but it can be used in a racetrack, with certain regulations varying by location.

This blog explains what NOS is for vehicles, how it can boost engine performance, the benefits of using it, the risks and the importance of third party insurance.

What is NOS in cars?

NOS refers to the system that injects nitrous oxide into the vehicle’s engine air intake. Technically, nitrous oxide is a gas (N2O) that, under pressure, is stored in the form of a liquid in a NOS bottle. When it is released into the intake, it increases the oxygen content available for combustion. The nitrous systems for cars enable the extra oxygen to burn more fuel, which can yield a boost of power in a short time. This setup is often aftermarket, which means it's not originally fitted by the vehicle manufacturer.

How NOS boosts engine performance

In NOS cars, the nitrous oxide enters the intake manifold, where it decomposes because of the oxygen and heat. More oxygen makes the engine inject more fuel and burn a richer air-fuel mixture. This rich blend combusts powerfully, generating a surge in the torque and horsepower for a brief moment.

Furthermore, since the nitrous starts as a liquid under pressure, when it vaporises, it cools the intake charge. The denser and cooler air-fuel mixture can enhance the combustion efficacy and give a boost to the performance.

Benefits of using NOS in cars

Using the NOS in cars can offer these advantages when you are looking for occasional bursts of power:

1. Instant boost of power

NOS offers a near-instant increase in the vehicle’s power once it's activated, unlike the superchargers or turbochargers, which need time to build a power boost.

2. Relatively inexpensive

When compared to adding forced induction systems or primary engine modifications, the NOS might provide an affordable way to obtain additional performance, particularly when used periodically.

3. Reversibility and flexibility

Since the nitrous oxide system in cars is an add-on rather than an engine redesign, it can be easily disabled or removed, potentially restoring the vehicle to its original condition.

4. Perfect for certain uses

For occasional races, drag racing or situations that need instant bursts (such as overtaking), NOS can offer an edge without constant power changes.

Risks and drawbacks of NOS

Apart from offering many advantages, NOS also comes with several drawbacks. It’s essential to have a proper idea of what you are risking before using or installing it:

• Potential damage and engine stress: NOS increases heat and pressure, which can break or strain engine parts when the engine is not strong enough.
• Requires proper tuning: NOS needs an adequate fuel supply, strong engine internals and ignition timing. Poor tuning can lead to sudden failure or overheating.
• Temporary power only: The power boost might last till the nitrous is available. Once the bottle empties, the performance returns to normal.
• Higher supervision costs: NOS use leads to periodic refills, possible replacement of stress components and more engine inspections.
• Safety risks: The NOS bottles store high-pressure gas. So poor installation, damaged lines or leaks might lead to dangerous situations.

Legal aspects of using NOS in India

In India, altering a vehicle’s engine performance or capacity without permission can be problematic under the regulations set by the Regional Transport Office (RTO). Installing a NOS kit may be viewed as an unauthorised modification, particularly if it increases the engine's performance or impacts the emission output. This is because the emission standards (especially the ones tied to the Bharat Stage emission standards) are strictly enforced. Any changes made to the vehicle that risk increasing emissions might lead to legal issues.

This might mean that a car with the NOS kit used on public roads could be considered illegally modified. It can lead to complications or penalties during inspections.

NOS effect on car insurance

Car insurance policies are issued based on the vehicle’s specifications as declared to the insurer at the time of purchase. Installing a nitrous oxide system is considered a major performance modification. If such a modification is made without informing the insurance company when purchasing car insurance online, it can lead to policy complications or even rejection of claims.

Most insurers treat unauthorised or undeclared modifications as a breach of policy terms. If an accident, engine failure or any damage occurs and is linked directly or indirectly to the use of an NOS kit, the insurer may deny the claim.

Safer alternatives to NOS for performance tuning

Since using a NOS gas car raises many legal issues and risks, many individuals look for alternatives that enhance performance and are much safer. Here are some of the alternatives you may opt for:

1. ECU tuning/engine remapping

Adjusting ECU settings can help the engine function more efficiently and also offer a safer and smoother power gain without any heavy modification.

2. Periodic upkeep and good fuel

Keeping the vehicle’s engine in better condition and using top-quality fuel can improve performance naturally and also avoid unnecessary damage or stress.

3. Supercharging/turbocharging

These systems can compress air into the car’s engine for much stronger and steadier power. This makes them more controlled than the NOS bursts.

Conclusion

Using NOS provides a short-term boost in power by increasing oxygen and fuel combustion, improving torque and horsepower, but it also raises engine stress, safety risks, and the chance of mechanical failure.

Remember, third-party insurance is mandatory and covers damage to another person’s vehicle, property or injury caused by your car.

FAQs

1. Can NOS be used daily in a regular vehicle?

NOS is not ideal for daily use, as it puts extra stress on the engine and may not comply with road-use regulations.

2. Is NOS legal in India?

NOS use on public roads is generally restricted. Legality depends on local RTO rules and approvals, so you should verify with your regional RTO.

3. Does NOS damage engines?

NOS can damage an engine if it is poorly installed, improperly tuned or used beyond safe limits.

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

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VinFast, a Vietnamese electric vehicle manufacturer, has recently entered the Indian market. With the launch of its first two electric SUVs, the company promises a modern-day driving experience with good after-sales support, stylish design and long electric range.

For individuals looking to switch to electric vehicles, VinFast can be an interesting choice that balances both value and performance. This blog offers insights on VinFast cars, their price range, specifications and features.

VinFast car prices in India

Here is a breakdown of the current VinFast EV car prices in India based on the variants:

VinFast cars specifications

While the VinFast electric car prices for both models are reasonable, reviewing their specifications will give you a clearer picture of their value. Here is what you should know:

1. VF6

• Battery:6 kWh
• Motor: Single front motor
• Torque or power: 310 Nm/250 Nm; 204 PS/177 PS
• Range: 463km/468km (depending on the variant)
• Charging: 10% to 70% in about 25 minutes on a DC charger.
• Dimensions: Length is 4241mm, width is 1834mm and height is 1580mm.
• 0 to 100 km per hour (Wind variant):9 seconds
• ADAS (Advanced Driver Assistance System)/Safety: 360-degree camera, level 2 ADAS and 7 airbags (it can differ by variant)

2. VF7

• Battery options:8 kWh and 59.6 kWh
• Drivetrain: AWD (dual-motor) or FWD (single motor)
• Torque/power: FWD (59.6) offers 130 kWh and 250 Nm; FWD (70.8) offers 150 kWh and 310 Nm; AWD offers 260 kW and 500 Nm.
• Range: 532 km (70.8 kWh FWD), 510 km (70.8 kWh AWD) and 438 km (base 59.6 kWh).
• 0 to 100 km/h: For Wind FWD is 9.5 seconds and Sky AWD is 5.8 seconds
• Charging: Offers quick charging from 10% to 70% in 24 to 28 minutes (depending on the variant or battery).
• Dimensions: Length is 4550mm, ground clearance is 190mm and wheelbase is 2840mm.
• Features and safety: TPMS (Tyre Pressure Monitoring System), ESC (Electronic Stability Control), ADAS Level 2, 360-degree camera, 7 airbags and hill-start assist.

Pros and cons of VinFast cars

Below are some advantages and disadvantages of the VinFast vehicles that you should know about:

Pros

• It has a local manufacturing plant in Tamil Nadu that might ease support or service.
• Provides ownership benefits like free charging until July 2028, warranty (10 years) and long battery.
• Comes with premium features and modern-day design.
• Offers strong performance.

Cons

• The DC charging rate is good, but the AC option is moderate.
• It has a high initial cost. Even the VF6 can be a bit costly for many buyers.
• The VinFast service or dealer network is still new in the country.
• Since the brand is new in India, resale values are lower than those of established carmakers.

Insurance insights for VinFast electric cars

Many insurers now offer EV-specific car insurance policies that cover your vehicle and its accessories against fire, natural disasters, theft, riots, accidents and damage during transit by road, rail, water or air. However, electric vehicles come with high-value battery packs, which can make premiums higher than those for small petrol cars.

An EV insurance policy also comes with a range of add-on covers such as zero depreciation, roadside assistance and tyre protection, giving you an added layer of security beyond the base policy. You can choose the ones that match your specific needs by paying a small additional premium.

Conclusion

VinFast’s entry into the nation with its VF6 and VF models stands out as a promising move. These EVs provide long driving ranges, powerful performance and modern-day design, particularly with options like AWD on the VF7 model. For people who prefer an EV, VinFast might be a good option.

Furthermore, when getting an EV, make sure to opt for third-party or comprehensive car insurance, as it can help protect you from unexpected expenses.

FAQs

1. What is the booking amount for the VinFast models?

The booking amount for the VinFast models is ₹21,000.

2. What is the battery warranty for VinFast’s VF7 model?

The mode comes with a 10-year/ 2,00,000 km battery and vehicle warranty (for some variants).

3. How fast can I charge the VinFast models?

VF6 charges from 10% to 70% in about 25 minutes, and VF7 charges 10% to 70% and takes 24 to 28 minutes.

4. What is the actual driving range for these vehicles?

VF6 offers a driving range of 468 km (Earth variant) or 463 km (Wind variant), and VF7 provides 438 km and 532 km, depending on the motor and battery.

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

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Inside the engine, several parts work together to move the vehicle and the piston is one such important component. A piston in the engine moves up and down inside the cylinder, helping convert the energy of combustion into mechanical force. This movement plays a major role in starting the engine, maintaining power and keeping the vehicle running smoothly.

What is a piston in an engine?

A piston is a cylindrical component in an internal combustion engine that moves up and down inside the engine cylinder. It plays a key role in converting the energy generated by fuel combustion into mechanical power that helps move the vehicle.

During operation, expanding gases from the burning fuel push the piston downward, producing force. As the piston in the engine moves back up, it helps expel exhaust gases and draws in a fresh air–fuel mixture for the next cycle. This rapid, continuous movement occurs many times per second and keeps the engine running smoothly.

Components of a piston assembly

A car engine piston assembly is made up of several parts:

• Piston head (crown): The top surface of the piston is where combustion takes place.
• Piston skirt: This is the lower part of the piston that helps guide movement inside the cylinder.
• Piston rings: Thin metal rings that seal the gap between the piston and cylinder walls to prevent gas leakage.
• Piston pin (gudgeon pin): Connects the piston to the connecting rod and allows smooth pivoting.
• Connecting rod: Links the piston to the crankshaft and transfers motion downward.
• Piston grooves: Slots on the piston where the rings are fitted securely.
• Ring lands: The areas between grooves that support the piston rings when moving.

Types of pistons used in engines

Here are the most common piston types used across different car engines:

● Flat pistons

These have a shallow bowl-shaped top and are commonly used in engines that require controlled, stable combustion.

● Dome pistons

These pistons have a raised top that increases the compression ratio. They are often used in high-performance engines to improve power and combustion efficiency.

Materials used to manufacture pistons

Pistons are made using strong, different materials capable of handling high temperatures and pressure. Aluminium alloy is one such common choice due to its lightweight and strength. Cast iron is also used in some engines due to its strength and durability. High-performance engines may use forged aluminium for better resistance to heat and stress.

Importance of pistons in engine performance

Pistons play a vital role in engine performance by converting fuel combustion into mechanical force. Their reciprocating motion turns the crankshaft, which ultimately powers the vehicle’s wheels. Properly functioning pistons ensure smooth power delivery, improved fuel efficiency and controlled emissions. In contrast, worn or damaged pistons can lead to power loss, higher fuel consumption, excess exhaust smoke and reduced engine reliability.

Common piston problems and their symptoms

Common piston problems include wear, which reduces power and fuel efficiency, and piston ring damage that causes gas leakage, smoke or increased oil use. Overheating can distort the piston and cause misfiring, while loose movement within the cylinder can produce a tapping sound known as piston slap. In severe cases, pistons can crack due to extreme stress, resulting in rough idling, hard starting and noticeable loss of engine power.

Piston repair and maintenance overview

Piston repair and maintenance focus on keeping the piston, rings and cylinder in good condition to ensure smooth engine performance. Regular engine oil changes help reduce friction and prevent overheating, which are major causes of piston damage. Mechanics may inspect the piston for wear, carbon deposits or cracks during major servicing. If the damage is minor, machining or replacing piston rings may solve the issue. In severe cases, the piston may need complete replacement to restore engine efficiency and avoid long-term problems.

Why piston health matters for car insurance?

Well-maintained pistons help prevent costly engine repairs. While standard car insurance may cover engine damage caused by accidents, it usually does not cover damage from regular wear and tear, making routine maintenance essential to avoid out-of-pocket expenses.

Opting for a comprehensive car insurance policy with an engine protection add-on can offer better coverage in specific situations, such as damage caused by water ingress or oil leakage. However, it’s important to remember that third-party insurance is mandatory by law and covers damage or injury caused to others by your vehicle.

Conclusion

Pistons play a central role in how an engine produces power, making them essential for smooth, efficient vehicle performance. Understanding how they work, their types and the common issues they may face helps you take better care of your car. Moreover, keeping regular maintenance of your car can prevent costly repairs and extend the engine’s life.

Similarly, four wheeler insurance is important as a financial safeguard against accidents, damages or theft.

FAQs

1. What is a piston in an engine?

A piston is a moving part inside the engine cylinder. It helps convert fuel combustion into the power needed to run the vehicle.

2. What is the use of a piston?

A piston creates the force required to move the crankshaft, which helps the engine generate power smoothly.

3. How many pistons are in a car engine?

Most car engines have 3, 4 or 6 pistons, depending on the engine type. Some high-performance engines may have 8 or more pistons.

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

In a car engine, many components work together to produce power. Two such important parts are the camshaft and crankshaft. While the sounds of these two are nearly identical, they have very different functions. One regulates the opening and closing of the valves, while the other converts the motion of the pistons into rotational motion. Without either of them, the engine will not even start. That is why understanding how these parts work is important for maintaining your car properly and avoiding expensive repairs.

In this blog, let us get to know more about camshaft and crankshaft and the difference between camshaft and crankshaft.

What is camshaft?

A camshaft is an extended metal rod with egg-shaped lobes called cams. These lobes press on valve lifters or rocker arms to open and close the intake and exhaust valves of the car's engine at the right time. It rotates slowly, normally at half the speed of the crankshaft, which is controlled by a timing belt or chain. The camshaft decides when the engine takes in air and fuel and when it pushes out exhaust gases. As a result, the camshaft dictates engine timing, power delivery, smoothness and overall efficiency.

What is crankshaft?

The crankshaft is a durable, heavy-metal shaft located at the lower section of the engine, featuring offset crankpin journals. It is linked to the pistons through connecting rods.

As the pistons move up and down during combustion, this motion is converted into rotational movement by the crankshaft. That rotational force is then transmitted to the gearbox, ultimately driving the wheels. The crankshaft must remain perfectly balanced at all times to prevent vibration, where bearings and engine oil play an important role in its smooth rotation. Without a functional crankshaft, the engine cannot transfer power and the car cannot move.

How a camshaft works

The camshaft operates in a very precise, rhythmic pattern. Its main job is to control when the valves open and close so the engine breathes correctly. Here’s how it works:

• The timing belt or chain rotates the camshaft and keeps its movement perfectly synchronised with the crankshaft.
• Cam lobes press on lifters or rocker arms to open intake valves.
• The air-fuel mixture enters the combustion chamber.
• Other cam lobes open the exhaust valves to allow the burnt gases to escape.
• Valve springs assist in closing the valves once the lobes have passed.

How a crankshaft works

The crankshaft converts straight piston motion to rotational motion. The process, though simple, is important. Here's how:

• Fuel ignites inside the cylinder and forces the piston downward.
• The connecting rod transfers this force to the crankshaft.
• Its offset journals cause the crankshaft to turn.
• This turning motion drives the flywheel.
• The flywheel sends the power to the transmission.
• Transmission sends power to the wheels.
• Balanced crankshaft rotation ensures low vibration and stable engine RPM.

Key differences between camshaft and crankshaft

The table below explains camshaft vs crankshaft in detail:

Which is more important: Camshaft or Crankshaft?

Neither component can function effectively without the other. The crankshaft acts as the engine’s heart, creating rotational power that drives the vehicle. The camshaft functions like the engine’s brain, controlling the precise timing of valve operation. Without the camshaft, the engine cannot take in air or release exhaust properly and without the crankshaft, there would be no motion at all. Rather than one being more crucial, both work together and the engine relies on their coordination to operate smoothly.

Common problems associated with camshafts and crankshafts

Without proper maintenance, both the camshaft and crankshaft eventually wear out. The following are the typical issues you may look for:

• Worn cam lobes due to low-quality or badly lubricated oil.
• Incorrect valve timing due to a broken timing belt or chain.
• Damaged rocker arms or lifters that can cause noise and misfires.
• Crankshaft wearing that leads to knocking sounds.
• Crankshaft bent or cracked because of extreme heat or stress.
• Failure of the connecting rod may cause serious damage to the crankshaft.
• Low oil pressure, affecting both shafts, leading to rapid wear.

Impact on vehicle performance and engine efficiency

A well-maintained camshaft ensures proper valve timing, improving combustion and fuel efficiency, resulting in better power delivery. Once there is a timing error, it gives the impression of a weak, hoarse or noisy engine. A well-balanced crankshaft ensures smooth rotation, stable RPM and reduced vibration.

When the crankshaft is in bad condition, the engine loses its power, shakes and becomes more fuel-consuming. Together, these two components decide how smoothly the engine runs.

Why understanding engine components matters for car insurance

Understanding some basic engine components helps with car maintenance, preventing accidental breakdowns that could result in unsafe on-road situations. Though normal wear and tear of the mechanical parts is generally not covered by insurance, knowing such components helps in assessing when repairs are needed, maintaining service records and avoiding disputes at the time of car insurance online claims. Proper maintenance reduces the chances of a breakdown on the roadside, keeps your car safer to drive and may even indirectly help you in avoiding situations leading to insurance claims.

Conclusion

The camshaft and crankshaft are two of the most vital engine components that work together to keep your car running. One regulates the intake of the engine while the other converts energy from combustion into motion. Knowing the camshaft and crankshaft difference in how they work not only makes you an educated car owner but also can help you identify signs that might require expensive repairs.

While maintenance protects the engine mechanically, having proper third-party car insurance ensures legal compliance on the road.

FAQs

1. What materials are camshafts and crankshafts made from

Camshafts are typically cast iron or billet steel, while crankshafts are forged or cast steel for strength and heat resistance.

2. What role do sensors play in camshaft and crankshaft operation?

Camshaft and crankshaft sensors monitor position and timing, enabling the ECU to control ignition and fuel injection accurately.

3. How does poor lubrication affect these components?

Insufficient lubrication causes increased wear, overheating and potential damage to cam lobes, bearings and journals.

4. Do diesel and petrol engines differ in these components?

Diesel engines use larger crankshafts and different cam profiles to handle higher compression and distinct combustion characteristics.

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

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A car engine relies on a series of moving parts that work together to generate power, and the crankshaft is one such important part. This mechanical component helps transform the pistons’ up-and-down movement into a circular motion, ensuring the vehicle moves smoothly. Understanding how the engine crankshaft works simplifies maintenance and also helps prevent expensive repairs.

This blog discusses what is a crankshaft, its types, working mechanism and the key components that make it function effectively.

What is a crankshaft?

A crankshaft is a key engine component that converts the up-and-down motion of the pistons into rotational motion. This rotation powers the wheels and allows the vehicle to move. The car crankshaft sits at the bottom of the engine block and connects to several parts, including pistons and bearings.

Types of Crankshaft

Let’s look at the main types of crankshafts used across different engines. Each type differs in strength, manufacturing method and application:

● Fully built

This type is made by joining separate parts such as crankpins, main journals and webs through shrink fitting. They are mostly seen in older engines and are less common today because of their durability concerns.

● Welded

This shaft type is created by welding individual components using methods like friction welding. They offer better joint strength and precision than fully built designs.

● Forged

They are formed by compressing heated metal billets using forging dies. They are known to be highly durable and ideal for high-performance or commercial vehicles.

● Cast

This shaft type is produced by pouring molten iron into moulds. They are cost-effective and commonly used in passenger cars, though less suited for heavy stress.

● Billet

They are machined from a single block of high-grade alloy steel. The billet is known to be extremely strong and typically used in motorsports or heavy-duty applications.

● Solid single-piece

Solid single-piece pistons are manufactured from a single piece of material, typically through forging or casting. They offer high reliability and good fatigue strength, making them suitable for both low-speed and high-speed engines where durability and consistent performance are important.

Components in the crankshaft of a car

Below are the key components that make up a car crankshaft, each playing an important role in engine movement:

• Main journals: These are the primary supports of the crankshaft that allow it to rotate smoothly within the engine block.
• Crankpins: Also called connecting rod journals, they connect the pistons to the crankshaft.
• Crank webs: These are flat, vertical plates that join the main journals and crankpins and help transfer motion.
• Counterweights: They are used to balance the crankshaft, reducing vibration and stress on it.
• Thrust washers: They help control the crankshaft’s axial movement and also maintain the correct position within the engine block.
• Oil passages: These are small channels that allow lubrication to flow across the crankshaft components.
• Crankshaft bearing: They support rotation and reduce friction between the crankshaft and engine block.

Understanding the crankshaft mechanism

The base mechanism of the crankshaft is to convert the pistons’ up-and-down motion into rotation, which helps power the wheels and keeps the engine running smoothly. When the piston moves down after combustion, the engine crankshaft turns due to the force applied on the crankpin. As the crankshaft rotates, it pushes the next piston upward, creating a continuous cycle.

Materials used for making a crankshaft

Crankshafts are manufactured using strong and durable materials to ensure their handling of high pressure and continuous rotation. Common materials include forged steel, known to offer excellent strength for high-performance engines, and cast iron, a cost-effective and widely used material in passenger vehicles. Alloy steel is another preferred choice because it provides a balance of strength, wear resistance and durability. Some high-end or racing engines use billet steel, which is machined from a solid block for maximum reliability.

Advantages of the crankshaft

A crankshaft offers these important benefits that support smooth and reliable engine performance:

• Smooth power conversion: It converts the pistons’ up-and-down movement into rotation, helping the car move smoothly and efficiently.
• Engine balance: Counterweights help minimise vibrations and stress during engine operation, improving driving comfort and reducing wear on engine parts.
• Consistent performance: It keeps piston cycles well-timed for steady power delivery, supporting better acceleration and overall engine response.
• High load strength: The crankshaft can withstand heavy pressure and continuous rotation, making it durable for both small and high-performance engines.
• Improved efficiency: A well-designed crankshaft supports better fuel use and also helps maintain stable engine performance over time.

Conclusion

The crankshaft is one of the most crucial components in a car engine. It is responsible for ensuring the smooth conversion of piston movement into rotational power. Its design, material and working mechanism directly influence the engine performance, durability and driving comfort.

At the same time, having car insurance can provide financial support against damages, accidents and theft.

FAQs

1. Where is the crankshaft located?

The car crankshaft is located at the bottom of the engine block. It connects to pistons, bearings and other moving parts.

2. What is a crankshaft position sensor?

It detects the crankshaft’s exact position and speed. This information helps control ignition timing and fuel injection.

3. What causes crankshaft damage?

Damage can occur due to poor lubrication, worn bearings or overheating. Sudden impacts or engine failure can also affect the crankshaft.

4. Can a crankshaft be repaired?

Minor surface issues may be repaired by machining. Severe cracks or breaks usually require full replacement.

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

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The claim settlement ratio of the insurer is a crucial aspect of the decision-making process when choosing an insurance product. The claim settlement ratio gives you an idea of the insurer’s track record in offering a seamless and hassle-free claim settlement process. Before proceeding to ways to check the claim settlement ratio, let us go through some of its basics in detail.

What is a claim settlement ratio?

Claim settlement ratio (CSR) is the percentage of claims that were settled in a financial year to the total number of claims that were raised during that period. It shows the credibility of the insurer. The higher the CSR, the higher the chances of your claim being settled without any hassles.

How is claim settlement ratio calculated?

The formula used in calculating CSR is given below:

CSR = (Total claims settled / Total claims received) × 100
For example, if an insurer receives 1,000 claims in a year and successfully settles 950, the CSR would be 95%. A high CSR signifies that the insurer has a strong track record of claim approvals, making them a reliable choice when a vehicle owner is planning to buy car insurance.

Documents required for claim settlement:

To ensure a smooth claim settlement process, policyholders must submit the following documents:

• Copy of the comprehensive car insurance policy
• The FIR (if the vehicle was stolen or in case of an accident)
• Repair bills and original receipts
• Vehicle registration certificate (RC)
• Driving license

How to check the claim settlement ratio?

Insurance companies registered under the Insurance Regulatory and Development Authority of India (IRDAI) declare and publish their claim settlement ratio annually. To know the CSR of your preferred insurance company, just visit the IRDAI website or look for IRDA claim settlement ratio 2022 on a search engine. A claim settlement ratio is a percentage number. Are you wondering what it means?

Let us explain the claim settlement ratio with an example. Suppose you want to know the credibility of an insurance company and the IRDA claim settlement ratio 2022 of that particular insurance company is 94%—a percentage figure. This means, in the last financial year, the company settled 94% of the total claims that were raised throughout the year. Simply put, for every 100 claims made by the policyholders, 94 were settled successfully. The number also indicates that the remaining 6 claims that were raised were either rejected, repudiated, or are pending. The claim could have been rejected due to one or more reasons such as fake claims, dissatisfactory paperwork, or insufficient information to prove the authenticity of the claim.

Points to keep in mind while checking the claim settlement ratio

Now that you know how to check the claim settlement ratio, be aware of some additional points that you must factor in while checking the ratio:

• Check the IRDAI details: The IRDAI claim settlement ratio is an extremely important and reliable indicator of the claim performance of an insurance company.
• Compare CSRs: As you know how to check and comprehend the claim settlement ratio of an insurance company, make the best of it when shortlisting insurance providers for your policy.
• Claim amount: Besides checking the claim settlement ratio, check the amount of the claim settled. It is quite possible that by the virtue of “number of policies” an insurance company has a higher CSR, but the “total amount” of the claim settlement is relatively low or non-competitive. This can happen when the company settles more claims with a lower sum insured and rejects high claim amounts.
• Financial performance: This is an extension of the previous point. Along with the CSR and the claim amount, it is important to check the financial health of the company. If a company is not doing well financially, then there are higher chances of you missing out on your insurance benefits in a time of need.

Conclusion

The Claim Settlement Ratio is an essential factor in determining the reliability of an insurance provider, whether you are purchasing a health plan or car insurance. By understanding how to check and analyse the CSR, policyholders can make informed decisions and ensure smooth claim settlements in times of need. Always research well before choosing an insurer to secure a hassle-free experience in the future.

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

Car insurance is not just about financial protection. It's also about having peace of mind while driving on the road. Roadside assistance is a valuable add-on service offered by many insurance providers. It will help you in situations where your vehicle breaks down and you get stuck on a remote road or there is no help nearby. Here, we'll explore the concept of roadside assistance in car insurance, helping you understand its benefits when facing unexpected breakdowns or emergencies.

Meaning of Roadside Assistance in Car Insurance

Let's check what is roadside assistance in car insurance. It is often offered as an add-on cover in your car insurance plan and is your trusted ally when your vehicle leaves you stranded. It ensures that help is just a phone call away.

This add-on cover provides a safety net when your car breaks down due to any reason. Roadside assistance in car insurance typically includes:

• Towing Service:

  If your car can't be repaired on the spot, the service provider will tow it to the nearest garage or a location of your choice.

• Flat Tire Assistance:

  You don't struggle to change a flat tire. The insurer will send a professional to help you out.

• Fuel Delivery:

  If your car runs out of fuel, a small quantity of fuel will be delivered to your location to help you reach the nearest gas station.

• Battery Jumpstart:

  If your car's battery dies, a technician will come to jumpstart it.

• Lockout Services:

  If you accidentally lock your car, with the key inside, roadside assistance will help unlock your vehicle.

• Minor Repairs:

  Technicians will do on-the-spot repairs for minor mechanical or electrical issues.

Conclusion  

Roadside assistance in car insurance is more than just an add-on, it's your lifeline. When the unexpected happens, this service ensures your peace of mind and convenience. So, the next time you consider your car insurance coverage, think about the invaluable support that roadside assistance provides. The safety net ensures you're never alone on the road, no matter where your journey takes you.

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

The MG Comet EV represents a new era of smart and sustainable urban mobility. Compact, efficient and packed with modern features, it is designed for daily city drivers who value convenience and eco-friendliness. Its futuristic styling, intelligent technology and smooth electric performance make it one of the most practical EVs in India’s small car segment.

Beyond just being a green vehicle, the features of the MG Comet EV focus on everyday usability, ensuring comfort, connectivity and safety built into its core.

This blog takes a look at what makes this four-wheeler a reliable choice for everyday commuting.

What are the features of the MG Comet EV?

The key MG Comet EV features are as follows:

MG Comet EV interior features

• Dual 10.25-inch screens: A connected floating display that combines the infotainment system and digital instrument cluster.
• Premium dual-tone dashboard: The light interior colour enhances space and sophistication.
• Rotary drive selector: A sleek, modern knob replaces traditional gear levers for effortless control.
• Leather-wrapped steering wheel: Offers a soft-touch feel and improved grip.
• Adjustable, well-cushioned seats: Designed for ergonomic comfort during commutes.
• Ample storage space: Includes smart cubby holes and foldable rear seats for practicality.

Technology and infotainment features in the MG Comet EV

The MG Comet EV offers a futuristic driving experience, complemented by advanced technology and smart connectivity features. It has two integrated 10.25-inch screens (one for the infotainment system and the other for the digital instrument cluster), creating a modern and seamless interface. The system supports wireless Android Auto and Apple CarPlay. This allows easy access to navigation, music and calls.

Moreover, MG’s i-SMART connected car technology further enhances the experience with over 55 connected features, including voice commands, remote vehicle status and location tracking. Together, these features make the Comet EV one of the most tech-savvy small cars in its class.

Performance and battery features

The MG Comet EV is powered by a 17.3 kWh lithium-ion battery paired with an electric motor that produces 41 PS of power and 110 Nm of torque. It covers a driving range of up to 230 km on a single charge. The car supports standard charging, which takes approximately 7 hours to complete a full charge. Moreover, the regenerative braking system, which includes a manual parking brake for the lower models and an electric brake for the FC variant, enhances the overall range and economy.

Safety and driver assistance features

• Dual front airbags: Provide protection to the driver and front passenger in case of a collision.
• ABS with ESP: Provides controlled braking and helps maintain stability.
• Rear parking camera and sensors: Help detect obstacles while reversing, making parking easier and safer.
• Tyre pressure monitoring system (TPMS): Alerts the driver about underinflated tyres to prevent accidents.
• 3-point seatbelts for all passengers: Secure seating for both front and rear occupants.
• ISOFIX child seat mounts: Offers added safety for families travelling with children.
• Speed-sensing door locks: Automatic door locks once the vehicle is in motion for enhanced protection.

Comfort and convenience features

This EV is designed to keep comfort and everyday convenience in mind. It comes with keyless entry and push-button start, ensuring ease of access and operation. The MG Comet features an automatic climate control that maintains the perfect cabin temperature in all weather conditions. Inside, the dual-tone interiors, power windows and power-adjustable ORVMs enhance overall comfort and functionality. The convenience is further enhanced with multiple USB charging ports, cup holders and smart storage compartments to keep essentials within easy reach. Moreover, this four-wheeler comes in seven variants and different colours to suit different needs.

How to insure your MG Comet EV?

Buying car insurance for your MG Comet EV isn’t just a legal formality; it’s a smart way to protect your car from unexpected expenses due to accidents, theft or damage.

Today, insurers offer a variety of plans and add-ons tailored to different needs, including third-party liability, own damage and comprehensive covers, theft protection, personal accident cover, zero-depreciation add-ons, etc.

By law, every car owner must have third-party insurance, which covers damages or injuries caused to others in an accident. However, a Comprehensive car insurance policy offers wider protection; it includes third-party coverage while also safeguarding your own vehicle against damage from accidents, natural disasters or theft.

When insuring your electric vehicle, make sure your policy specifically covers EV-specific components, such as the battery pack, motor and charging equipment. Choosing the right car insurance ensures both peace of mind and long-term protection for your MG Comet.

Conclusion

The MG Comet EV is a smart, eco-friendly and feature-rich four-wheeler, offering a futuristic driving experience. With its advanced technology, stylish interiors and practical comfort offerings, it perfectly blends innovation with everyday usability. Additionally, its efficient battery, impressive range and modern safety systems make it a reliable companion.

FAQs

1. What are the variants of the MG Comet EV?

The MG Comet EV is available in various variants, including the EV Executive (base model), EV Excite, EV Excite FC, EV Exclusive, EV Exclusive FC (top model) and EV Blackstrom Edition.

2. What are the available colour options in the MG Comet EV?

The MG Comet EV is available in several colours, including candy white and starry black, starry black, apple green and starry black, candy white and aurora silver.

3. What is the price range of the MG Comet EV?

The MG Comet EV price ranges from ₹7.50 lakhs to ₹9.99 lakhs (ex-showroom), depending on the chosen variant and location.

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

Electric cars have emerged as a smart alternative to traditional fuel-powered vehicles, driven by the rising demand for eco-friendly and sustainable mobility solutions. Among the early pioneers in India’s EV space, the Mahindra e2o PLUS holds a distinct place. Introduced after the two-door e2o, it represents Mahindra’s second major effort to make electric mobility more practical and accessible. Known for its compact design, efficient performance, and affordability, the e2o PLUS was designed primarily for urban commuters, offering a convenient and sustainable city-driving solution.

Let’s take a closer look at the Mahindra e2o PLUS price, features and specifications.

e2o PLUS Price List in India

Before buying an electric car, it helps to compare the available variants to find one that suits your driving range and budget. The table below gives an overview of the Mahindra e2o PLUS variants and their last recorded prices in India:

Mahindra e2o PLUS car specifications

The following are the e2o PLUS car specifications:

How is the Mahindra e2o PLUS car?

The Mahindra e2o PLUS is a compact car designed primarily for city commuting. It offers a smooth and quiet driving experience, making it ideal for driving through traffic and short urban trips. Its compact size and tight turning radius make parking and manoeuvring easier, especially in crowded spaces. Additionally, the four-door design enhances practicality by providing sufficient space for two adults in the rear.

However, the car performs best within city limits. It is not built for high-speed or long-distance travel. Some users have also reported limitations related to service accessibility and spare part availability in certain regions. Overall, the e2o PLUS is a convenient and eco-friendly choice for daily urban use, especially if you have access to regular charging facilities.

Remember, the vehicle has been discontinued and is out of production currently. However,  you can still find and purchase one on the second-hand market.

Mahindra e2o PLUS colours

The Mahindra e2o PLUS is available in four different colours to suit different preferences. These include Coral Blue, Wine Red, Arctic Silver and Spanish Red. Each colour gives the compact electric hatchback a unique personality. The paint quality and finish are designed to complement the car’s modern, futuristic design.

Mahindra e2o PLUS range

The Mahindra e2o PLUS offers an impressive range, up to 110 km on a single charge. This is what makes this model ideal for daily urban use. Its efficient electric motor ensures smooth acceleration and low running costs. Additionally, the regenerative braking helps extend the battery life.

Role of car insurance

Car insurance plays a crucial role in safeguarding your vehicle from financial losses arising from accidents, theft or damage. It acts as a financial shield, ensuring that you are not burdened with unexpected repair or replacement costs.

There are various types of car insurance plans and add-ons available to suit different needs, including third-party liability coverage, comprehensive coverage, personal accident coverage, theft protection and zero depreciation, among others. You can choose the right combination based on your usage, budget and requirements.

It’s important to note that third-party car insurance is legally mandatory under the Motor Vehicles Act, 1988. This policy covers physical injuries, property damage or vehicle damage caused to a third party by your vehicle.

On the other hand, a comprehensive car insurance policy not only includes third-party coverage but also protects against own damages, such as those caused by accidents, natural calamities, fire or vandalism.

Whether it’s insurance for a used car or a brand-new vehicle, having the right coverage is essential for financial protection and peace of mind on the road.

Conclusion

The Mahindra e2o PLUS stands out as a compact and sustainable electric car, boasting an impressive range, easy handling and a modern design, making it ideal for daily city commuters. While it may not be ideal for long-distance travel, its affordability and zero-emissions advantage make it a smart choice for drivers looking to go green.

FAQs

1. What is the range of the e2o PLUS on a full charge?

The Mahindra e2o PLUS range is up to 110 km on a full charge, depending on the driving conditions and variant.

2. Is the Mahindra e2o PLUS still available in India?

The Mahindra e2o PLUS has been discontinued. However, used models may still be available in select markets or through resale platforms.

3. Can I buy insurance for a used car?

Yes, you can buy or renew insurance for a used car to ensure financial protection against damage, accidents and third-party liabilities.

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

An alternator is a key part of a car’s electrical system. Malfunctioning of it can lead to the vehicle struggling with starting, lights flickering or accessories behaving erratically. Car alternator problems can drain the vehicle’s battery, trigger warning lights or even cause engine stalling. Recognising these signs early helps prevent costly repairs. Understanding common causes and fixes for car alternator problems ensures your vehicle runs smoothly and reliably for a long time.

What is a car alternator and how does it work?

The alternator is a generator driven by the engine via a belt and pulley. It converts mechanical energy into electrical energy to charge the battery and supply power to electrical systems. Inside the alternator, a rotor spins within a stator, generating an alternating current (AC), which is then converted to direct current (DC) by a rectifier and regulated to maintain proper voltage levels. If auto alternator problems occur, the battery alone has to sustain all electrical loads.

Common signs of car alternator problems

When there is a problem with the alternator, you may notice several warning signs:

• The battery warning light or “ALT” light appears on the dashboard.
• Headlights or interior lights flicker, become dim or overly bright.
• Car accessories (power windows, audio system) become slow or malfunction.

Common causes of alternator problems

Here are some typical reasons for alternator issues:

• Worn-out bearings or brushes inside the alternator, leading to mechanical failure.
• Faulty voltage regulator or rectifier, causing improper charging or voltage spikes.
• Slipping or broken drive belt, reducing alternator rotation and output.

How to diagnose alternator problems?

When you see any signs of a bad alternator, do a quick voltage check to confirm the problem. With the engine off, measure battery voltage: it should be around 12.5 V if fully charged. Then start the car and measure the voltage across the battery: a healthy alternator should produce between 13.5 V to 14.5 V while idling.

How to fix car alternator problems?

When the alternator is causing trouble, repair or replacement may be needed. For minor wear of any components (e.g., a loose belt or connection), tightening or replacing the part may suffice. If internal components such as the regulator or bearings have failed, the alternator may need to be replaced. After repair or replacement, ensure the electrical system is reset and the battery is fully charged.

Repair vs replacement: what’s better?

Deciding whether to repair or replace a bad alternator depends on the following factors:

• Age and mileage of the vehicle: If the car is very old, replacing the alternator may be more cost-effective.
• Cost of parts vs labour: An alternator replacement may be pricier, but it avoids repeat failures. You should know that standard car insurance policies typically do not cover the cost of alternator replacement due to normal wear and tear or mechanical failure. So, you will have to bear the expense.
• Time and convenience: Replacement may be quicker and more reliable in the long term.

Preventive maintenance tips for a healthy alternator

To keep your car’s alternator running efficiently and avoid unexpected breakdowns, follow these simple preventive maintenance tips:

• Have the drive belt and tension checked during every service.
• Avoid overloading the electrical system (aftermarket accessories) without ensuring the alternator's capacity.
• Ensure the battery is kept in good condition; delaying replacement can strain the alternator.

Conclusion

Experiencing persistent car alternator issues is more than just an inconvenience; when the system fails, it may leave you stranded and impact your vehicle’s safety systems. Regular maintenance and early diagnosis can help prevent costly repairs and unexpected breakdowns. Always use quality electrical components and ensure the charging system is inspected during routine servicing.

FAQs

1. How long does an alternator typically last?

It depends on vehicle use and conditions; many alternators last the lifetime of the vehicle, but wear, heat, electrical loads or poor battery condition can shorten their life.

2. Will a bad alternator invalidate my car insurance claim?

It depends on your insurer and the specific policy terms. If an accident or breakdown occurs due to alternator failure and it’s found that you neglected maintenance, the insurer may investigate or even reject the claim. To avoid such issues, ensure regular servicing and keep proper maintenance and service records.

3. Can I drive with a failing alternator until the next service?

It is possible but risky. A failing alternator may leave the battery uncharged and lead to sudden vehicle shutdown, risking safety and potentially affecting your insurance coverage if it contributes to a claim.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps.

Have you ever heard of hepatitis C? It's a liver disease caused by the hepatitis C virus (HCV) that affects millions of people around the world. Left untreated, HCV can lead to severe health problems such as cirrhosis (liver scarring). Knowing the symptoms and signs of hepatitis C is key to catching it early and getting proper treatment as soon as possible. In this blog post, we'll dive into what Hepatitis C is, discuss the various types, list its common signs and symptoms, how prevention works best in combating it, and provide helpful resources to turn to when seeking help for yourself or someone close to you if needed.

What are the Symptoms of Hepatitis C?        

Long-term or chronic hepatitis is usually followed by acute hepatitis, which in most cases is asymptomatic. The acute form may be associated with some generalized symptoms that include fatigue, joint pain, and pain in the upper right side of the abdomen, which are the early symptoms of hepatitis C. This makes the diagnosis of acute HCV infection challenging.

The other signs and symptoms of hepatitis C include the following:

• Nausea and vomiting
• Abdominal pain
• Fluid accumulation or edema in ankles and feet
• Build-up of ascites in abdomen
• Dark urine
• Jaundice
• Poor quality of life

Noticing the car spanner symbol on your dashboard can be confusing, especially if your car seems fine. This light is a reminder that your vehicle may need maintenance or a quick check-up. Understanding what the car spanner symbol means can help you avoid unexpected problems, keep your car running smoothly and save money on repairs.

In this blog, we’ll explain why this warning appears and what you can do to stay safe on the road.

What is the car and spanner symbol?

The spanner sign on dashboard is a service or maintenance reminder. It usually means your car is due for routine servicing, such as an oil change, inspection or parts replacement.

In some cases, it can also indicate a minor fault in the engine or transmission system, signaling that your vehicle should be checked to prevent potential issues.

Common reasons why the car and spanner symbol appears

The car and spanner symbol can appear for several reasons. Most commonly, it shows a scheduled service reminder, indicating your car is due for routine maintenance like an oil or filter change.

It can also signal a minor engine or transmission fault, a sensor malfunction, low fluid levels such as engine oil, coolant or transmission fluid, or the need for a software update or recalibration of the vehicle’s onboard computer.

What to do when the car and spanner symbol appears?

When the car and spanner symbol appears, start by checking your owner’s manual to understand its exact meaning for your vehicle. If the light stays on continuously, pull over safely and avoid driving long distances. Inspect engine oil, coolant and transmission fluid levels, topping up if necessary. Sometimes restarting the engine can reset a temporary warning.

Do not ignore the light, as driving with it on may worsen underlying issues. If the car sign with spanner remains on, schedule a service at a mechanic or service centre for a complete check.

How to reset the car and spanner symbol?

The steps to reset the car and spanner symbol can vary depending on the make and model. Usually, the warning light turns off automatically after a scheduled service or once the underlying issue is fixed. If it remains on, you can try resetting it manually through the car’s dashboard menu or ignition system.

However, it is important not to force a reset without resolving the problem first, as this may hide critical maintenance alerts. If unsure, it is best to have a professional technician reset the light after checking the car.

When to visit a mechanic or service centre?

You should visit a mechanic or authorised service centre as soon as the car and spanner symbol appears and stays on. Often, this warning indicates your car needs maintenance, such as an oil change or engine inspection.

Ignoring it could reduce performance or cause long-term damage. If you notice unusual sounds, reduced mileage or dashboard vibrations along with the light, get a professional check-up immediately. It is also important to have a suitable four-wheeler insurance policy to cover potential costs from repairs, accidents, theft or damage.

Depending on your needs, you can choose add-ons like third-party liability cover, personal accident coverage, theft protection or zero-depreciation. Remember, third-party car insurance is legally mandatory under the Motor Vehicles Act 1988 and covers injuries or damage caused to others by your vehicle.

Preventive measures to avoid car spanner symbol warnings

Here are some preventive tips to avoid the car and spanner symbol from appearing:

• Follow the manufacturer’s recommended maintenance schedule to ensure optimal performance.
• Use high-quality engine oil, coolant and fuel to maintain engine efficiency.
• Check oil, brake and transmission fluid levels regularly to prevent unexpected breakdowns.
• Maintain correct tyre pressure to reduce engine strain and improve mileage.
• Inspect dashboard lights to ensure all warning indicators are functioning properly.
• Avoid overloading the vehicle to prevent excess strain on the engine or braking system.
• Keep sensors, filters and air vents clean to support smooth system operation.

Conclusion

The spanner symbol in car is more than just a dashboard light; it’s a prompt to take action and care for your vehicle. Paying attention to it can help you avoid costly repairs, maintain your car’s performance and ensure your safety on the road. By keeping up with regular servicing, monitoring fluids and addressing warnings promptly, you can drive with confidence, protect your investment and complement your precautions with a suitable four wheeler insurance policy to cover unexpected repair or damage costs.

FAQs

1. Can I still drive with the spanner symbol on?

You can drive, but only with caution. Treat it as a reminder to limit long trips and get your car checked soon to avoid worsening the issue or causing additional wear.

2. How do I turn off the car and spanner symbol?

The light usually turns off automatically after servicing or fixing the underlying issue. Some cars may require a manual reset via the dashboard menu or a diagnostic tool, but only after the problem is addressed.

3. Why does the spanner light keep coming back after servicing?

If the light returns, it may mean the issue wasn’t fully resolved, a different maintenance requirement is due or the system has detected a new alert. Regular checks and diagnostics can help pinpoint the cause.

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

Owning a bike or car in India is exciting, but accidents or repairs can be stressful with bills and paperwork. The IL TakeCare App from ICICI Lombard makes it easier by helping you find ICICI Lombard network garages. Repairs are handled directly with the insurer, saving you time and money.

This guide shows how to use the app, find nearby garages quickly and make the most of cashless claims so you can get back on the road with less hassle.

What are cashless network garages?

Cashless network garages are authorised service centres partnered with insurance companies like ICICI Lombard. These garages allow you to get repairs without paying the full amount upfront, as your insurance company settles eligible expenses directly with the garage under your policy terms.

If you choose a non-network garage, you usually pay first and then claim reimbursement, which can take more time and involve extra paperwork. ICICI Lombard’s network currently includes over 6,100 garages across India, ensuring a service point is usually nearby.

Benefits of using cashless garages for your vehicle repairs

Using the cashless garages of ICICI Lombard makes repairs smoother and faster. You don’t have to pay the full repair cost upfront for covered damages, as the insurance settles eligible expenses directly with the garage. Existing partnerships between the insurer and network garages help speed up the process and provide direct settlements, reducing hassle and paperwork. The authorised garages follow insurer-approved repair standards, ensuring high-quality service for your vehicle.

Overview of the IL TakeCare app

The IL TakeCare app is created to handle numerous insurance-related needs in one place. Here are some of its key features:

Step-by-step guide to finding cashless network garages in IL TakeCare app

To locate ICICI Lombard’s cashless garages, follow these steps:

1. Download and log in to the IL TakeCare App using your registered mobile number or policy details.
2. Select Find Network Garage from the home screen or the motor insurance dashboard.
3. Enter your city, PIN code or enable GPS to locate nearby garages.
4. Browse the results to see each garage’s name, address, distance and contact details.
5. Call ahead to confirm the garage is listed and accepts cashless claims under your policy.
6. Visit the selected garage with your e-card or policy number and start your claim through the app or garage representative.
7. Keep proof or screenshots of your chosen garage for easy follow-up.

How to locate the nearest cashless garage using GPS in the app

The IL TakeCare App has a built-in GPS feature to help you find authorised service centres quickly. Allow the app to access your current location when prompted. Results may appear on a map or as a list sorted by proximity.

You can filter the results by bike or car to ensure compatibility. Always call the garage before visiting to confirm it is still active in ICICI Lombard’s cashless network.

Tips to ensure a hassle-free cashless claim process

To ensure a stress-free repair process, keep your e-card and policy number handy, digital copies are also acceptable. Confirm with the insurer and garage about any deductibles or co-pay before approving repairs. Report accidents immediately via customer care or the app to avoid delays.

Always choose a listed network garage from the app, as using others may cancel cashless benefits. You can also track the progress of repairs or your claim through the app for transparency.

Insurance benefits of using cashless garages

Cashless garages offer significant convenience from an insurance perspective. Pre-approved partnerships between the insurer and garage enable smoother settlements and faster claim resolutions. You don’t have to arrange cash or card payments upfront, reducing financial strain. Repair costs are more transparent, with a lower chance of disputes or inflated bills. Faster claim processing also leads to quicker repairs, helping you get your vehicle back sooner.

Common issues while accessing garage information and how to fix them

Here are some common problems that you might experience while using the app and the ways you can fix them:

Why choose ICICI Lombard’s cashless garage network

ICICI Lombard’s cashless garage network is one of the largest in India, with over 6,100 authorised garages. The cashless garages list in the IL TakeCare App combines multiple services, including doorstep inspection, garage location, policy claims and policy renewal. In many areas, you can also request drop-off and pickup services, making the entire repair and claim process more convenient and hassle-free.

Conclusion

The IL TakeCare platform does more than just help you locate cashless garages; as a car insurance app, it gives you control and peace of mind after an accident. By using it, you can reduce delays, avoid upfront payments and ensure repairs meet insurer standards.

Understanding how to navigate the platform, keeping your policy details handy and verifying garages in advance can save time, stress and money. With this tool, getting back on the road safely and quickly becomes easier, making your insurance experience smoother and more reliable.

FAQs

1. Is it possible to use any garage even when it’s not in the network?

Yes. However, you need to pay for the repairs first and then apply for the reimbursement, which typically takes a lot more time and additional paperwork.

2. What if I’m travelling out of state and need a repair?

ICICI Lombard has a wide network of more than 6,100+ cashless garages across the country. You can use the IL TakeCare App to find and contact an authorised garage in your location.

3. Does the cashless network mean all the parts and labour are free?

Not always. The insurance company covers repairs under the policy’s OD (own damage) section, but certain policy limits, deductibles and exclusions might apply. Always confirm the coverage before you proceed with the repairs.

4. Is the IL TakeCare App only for motor insurance?

No. The app supports multiple ICICI Lombard services, such as general insurance, motor and even health. However, the cashless garage network feature is specific to the motor policies for bikes and two-wheelers.

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

Launched in September 2024, the MG Windsor EV combines SUV space with sedan style, perfect for families and city drives. But safety is what matters most when you’re on the road with loved ones. While it hasn’t received official NCAP ratings yet, its advanced airbags, driver-assist systems and sturdy design give confidence every time you drive.

This guide helps you understand the MG Windsor EV safety rating, how it compares with other EVs and what it means for your peace of mind.

Overview of MG Windsor EV

The MG Windsor EV is MG Motor’s latest electric car designed for Indian drivers who value design, safety and performance. It delivers smooth power, a quiet drive and advanced comfort features such as a touchscreen, wireless charging and Level 2 ADAS. This makes it a future-ready, eco-friendly crossover suitable for both city commutes and long-distance travel.

MG Windsor EV global NCAP safety rating

The MG Windsor EV has not yet been tested by Global NCAP, so no official safety rating is available. While official results are pending, MG emphasizes safety-first engineering through strong structural design and built-in protection.

Internationally, MG’s EVs have shown positive safety outcomes and the upcoming MG Windsor NCAP results are expected to reflect the brand’s continued focus on occupant protection and robust vehicle construction.

Safety features offered in the MG Windsor EV

The MG Windsor EV safety incorporates powerful systems for preventing accidents and reducing impact damage.

1. Multiple airbags

The car has six airbags, dual front, side and curtain, ensuring balanced protection for every passenger.

2. 360-degree camera

Drivers gain better visibility through a comprehensive camera view that aids parking and obstacle detection.

3. Auto hold system

An electronic parking brake with auto hold keeps the car stable on inclines and offers convenience in urban traffic.

4. ADAS technology

Advanced Driver Assistance Systems (ADAS) in Windsor Pro trims include 12 functions that manage steering, braking and acceleration through haptic, visual and audio cues, significantly enhancing safety.

Crash test performance analysis of MG Windsor EV

The MG Windsor EV’s official crash test results are still pending, so no verified NCAP rating is available yet. While the MG ZS EV has received strong Euro NCAP ratings, suggesting MG’s expertise in safety systems, the Windsor EV features strengthened steel construction and controlled crumple zones designed to absorb impact energy and maintain cabin stability.

Official NCAP testing, once completed, is expected to confirm the brand’s consistent safety record.

Comparison of MG Windsor EV with competitors

Now that we are aware of the MG Windsor EV's safety rating, let's take a quick look at how the Windsor EV stacks up against other electric vehicles in terms of safety:

MG Windsor EV battery safety and fire protection

The MG Windsor EV’s battery is designed with safety in mind, meeting UL2580 and IP67 standards for resistance to fire, dust and water. Following the same safety principles as the MG ZS EV, its construction ensures reliable performance, durability and protection against extreme heat, shocks or mechanical damage.

MG Windsor EV ADAS and driver assistance systems

The MG Windsor EV’s battery is designed with safety in mind, meeting UL2580 and IP67 standards for resistance to fire, dust and water. Following the same safety principles as the MG ZS EV, its construction ensures reliable performance, durability and protection against extreme heat, shocks or mechanical damage.

Role of car insurance for MG Windsor EV

Even with the MG Windsor EV’s advanced safety features, insurance remains essential. A comprehensive policy covers personal injury, accidental repairs and battery issues, providing peace of mind while you own the car.

Legally, third party insurance is required to cover injury or property damage to others. Given the high value of EVs and their components, complete coverage offers both mechanical and financial protection, making comprehensive insurance a safer choice than just third-party coverage.

Conclusion

The MG Windsor EV is more than just a stylish electric car; it’s designed to keep you and your loved ones safe on every journey. With advanced safety systems, a robust battery and driver-assist technologies, it offers peace of mind alongside comfort and performance. Even before official crash-test ratings, the Windsor EV reflects MG’s commitment to reliable and secure e-mobility.

Pairing it with comprehensive four wheeler insurance ensures both your vehicle and your investment are fully protected, letting you enjoy sustainable driving with confidence.

FAQs

1. How does the safety of the MG Windsor impact its car insurance?

The MG Windsor features advanced safety technologies and a protective design, which can help you secure lower insurance premiums and better insurance terms.  These features reduce the risk of severe injury or damage. However, it is better to check the actual insurance costs with your insurer.

2. What insurance coverage options are available for the MG Windsor?

As an MG Windsor owner, you can choose from basic third-party car insurance or a comprehensive insurance plan that may cover own damage, third-party liability, theft, fire and natural disaster damage. If your insurer offers add-ons such as zero depreciation, roadside assistance and return-to-invoice coverage, you can also opt for them. However, it is always advisable to research the best coverage options and consult with your insurer before selecting a plan.

3. What documents are required to renew MG Windsor car insurance?

To renew MG Windsor car insurance, you need your previous year’s policy number, expiry date and vehicle registration details. However, check your insurance provider to determine if any additional details are required before renewing your policy.

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

If you’re wondering why the car insurance bill still displays an 18% tax line, you’re not alone. While many of the segments have enjoyed the tax relief in India, the premium you pay for the motor insurance remains unchanged. For many vehicle owners, this can be confusing, as reforms often raise hopes of reduced costs across services, including insurance. This blog will provide some clear insights into the GST in vehicle insurance and the reasons why vehicle insurance still attracts 18% of GST.

What is GST on car insurance?

When you buy a vehicle insurance policy for your vehicle in India, whether it's comprehensive or third party insurance, you pay for the base premium and also the tax called GST (Goods and Services Tax). The current tax rate for the vehicle insurance services is 18%. This rate is uniform for the add-on covers (zero depreciation, engine protection, etc.) and private passenger cars. For instance, if the base premium is ₹10,000 and the GST is at 18%, then you pay ₹11,800 in total.

Recent GST reforms - What changed and what didn’t

India’s GST system went through a massive reform, particularly with the GST 2.0 changes, which became effective from 22nd September 2025. Earlier, four-wheelers attracted a 28% GST along with an additional compensation cess that varied between 1% and 22%, depending on the vehicle type. Under the new GST 2.0 structure, this compensation cess has been removed for most vehicles, leading to lower car prices across various segments. However, luxury cars and vehicles with large engine capacities still fall under the cess category.

For vehicle insurance, the GST rate stayed at 18%. While existing vehicle owners will not see any difference in their car insurance premiums and will continue to pay 18% GST during renewal, new car buyers might experience a slight reduction in premiums due to the recent cuts in overall car prices. Since insurance premiums are calculated based on the Insured Declared Value (IDV), the current market value of the vehicle, a lower IDV for certain car models will naturally result in lower car insurance premiums.

Reasons why car insurance still attracts 18% GST

There are several reasons why there is 18% GST on car insurance premiums:

• ITC and business usage: If the vehicle is used for business, the rules for claiming back the GST (ITC or Input Tax Credit) are different. That’s why not everyone receives a tax reduction automatically.
• Classification as a service: The motor insurance is treated as a service (insurance service) under the GST framework and falls within the 18% slab.
• Shared base premium structure: The premium is made up of many components (add-ons, third-party, own damage), and the tax gets applied uniformly across all of them.

What can policyholders do in this scenario?

Although the tax rate has not changed, you can take certain steps to handle the costs and understand exactly what you’re paying for:

• Compare the premiums: Take a look at the premium breakdown across insurance firms to make sure that you’re not paying more for covers or add-ons that you might not need.
• Business-use vehicles: If you’re GST registered and the vehicle is used for business, you might become eligible for ITC (Input Tax Credit) for insurance GST. Make sure to check the eligibility with a reliable tax adviser.
• Check claim settlement history: A higher premium might be justified if the insurance company has good claim settlement records.
• Choose a higher voluntary deductible: Opting for a higher voluntary deductible, an amount you agree to pay from your pocket during a claim, can reduce your premium. However, make sure it’s an amount you can comfortably afford in case of an accident.
• Monitor the reforms: You should stay alert for any upcoming changes. It is possible that the GST on vehicle insurance might be revisited.

Conclusion

The GST reforms were a welcome relief in several sectors, but the GST on car insurance premiums in India remains at 18%. It’s primarily because vehicle insurance is viewed as a standard service and does not fall under the same tax reduction wave, such as life or health insurance. While this might feel disappointing, you still can make policy choices and get to check out cost-control options. When you stay well-aware of what you’re paying and why, it can help you manage the budget properly and make better decisions.

FAQs

1. Does the GST apply to third-party vehicle insurance?

Yes. Third-party insurance also attracts the 18% GST just like the comprehensive ones.

2. Will the GST rate on vehicle insurance drop soon?

It might in the future, but currently, it remains at 18% and no formal reduction for vehicle insurance has been announced.

3. Is it possible to claim GST paid on vehicle insurance as ITC (Input Tax Credit)?

If the car is used for business and you are GST-registered, you might become eligible. However, it's not eligible for personal use.

4. Does the GST affect the claim payout?

No. GST is applied to the premium that you pay. The payout amount or the settlement process in the event of a claim will not change due to GST.

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