- Is auto insurance mandatory?
Yes, under the Motor Vehicles Acts, it is mandatory for all motor vehicle to be insured, failing which the cars cannot be registered. One can be penalized if found driving vehicle without a valid insurance cover. However, it is entirely up to the customer to decide whether he would prefer a third party insurance cover or comprehensive insurance.
- What does Third party insurance cover?
Third party insurance covers you against death or injury (caused by your vehicle) to pedestrians, passengers and pillion riders, occupants of other vehicles, and outsiders other than passengers, for unlimited amounts it also covers you against injury caused by your vehicle to the vehicle's drivers, cleans, and other employees used for running the vehicle. In case of taxis, buses or auto-rickshaws, it insures owners against death or injury caused to the passengers by their vehicle.
- What does Comprehensive insurance cover?
Besides covering the entire set of benefits of the Third party option, Comprehensive insurance also covers any loss or damage caused to the vehicle due to accident, fire, explosion, self-ignition, lighting, burglary house breaking, theft, riots and strikes, earthquakes, flood, type cop hurricane, storm, cyclones, malicious acts and terrorism. It also covers the cost incurred in towing the vehicle in case of an accident.
- What is the normal eligibility criterion?
• Minimum age of applicant: 18 years (Salaried) and 21 years (Self Employed).
• Maximum age of applicant at Loan Maturity: 60 years (Salaried) and 70 years (Self Employed).
• For Salaried Employees: Should have worked for one year in the current company.
• For Self Employed: Should have been at least 2 years in the business.
• Minimum Loan Amount generally given is Rupees One Lakh.
- What is the minimum documentation required for obtaining a car loan?
For a Salaried Individual:
Address Proof (any of the following documents):
• House Lease/ Leave & License agreement
• Ration card
• Driving license
• House Tax chalan
• Housing Society bill,
• Voter card
• Telephone bill
• Electricity bill
• Water Tax chalan
• Wireless Landline bill
• Credit Card Statement
• Post Paid Mobile bills (2 bills required one bill of the last completed month and one which is 6 months before the last completed month).
Identity Proof (any of the following documents):
• Photo Credit Card
• PAN Card
• Voter Identity card
• Driving license
• Employee ID issued by Government of India/ PSU/ Limited companies
• Local Panchayat Identity card
• Notary certification with Photograph
• Form 16 with latest Salary slips
• Latest salary slips with the Form 16 document
*Form 16 is the proof that the employer has deducted tax at source
For Self Employed:
Address Proof (any of the following documents):
• The documents collected towards identity proof to reflect the current address of the concern/firm
Identity Proof(any of the following documents):
• Partnership deed
• Shop & Establishment Act certificate
• Latest Sales Tax assessment order
• Sale Tax registration certificate
• Audited Balance Sheet
• Profit & Loss Account (latest two years) and the latest 2 years IT returns of the firm
- How often does a car engine need servicing?
You should change the oil every 3000-5000 Km. Rotate the tires every 5000Km. most major services run every 30,000 Km like at 30, 60, and 90 thousand Km which usually includes changing your filters, oil, air, fuel, etc. also tune ups can be included in majors, fluid flushes may be done, belts and hoses might be replaced. There are also lesser services in between that are done every 15,000 km. Every vehicle is different so please refer the owner's manual of your car and it will tell you specifically what needs to be done and when.
- What does engine oil do?
Engine oil's job is primarily to stop all the metal surfaces in your engine from grinding together and tearing themselves apart from friction, and dissipating the heat generated from this process. It also transfers heat away from the combustion cycle and must be able to hold in suspension the nasty by-products of fuel combustion, such as silica (silicon oxide) and acids. It cleans the engine of such chemicals and buildups, and keeps the moving parts coated in oil. Doing this helps minimize exposure to oxygen and thus oxidation at higher temperatures. It does all of these things under tremendous heat and pressure and for the most part without succumbing to fatigue or black death, the ultimate engine destroyer.
Car Tyres and Wheels
- The car drifts to the left or to the right when I let go of the steering wheel on a straight and level road?
First, check the air pressure in all your tyres, and then try driving it again. If your car drifts to the right in the right lane and to the
left in the left lane, it is probably normal. Most roads are banked to allow for water runoff.
Make sure both front tyres are the same size, type and brand. If not, take both front tyres and
switch them side-to-side. If the car now drifts in the opposite direction, you've found your problem.
If the problem is still there, you should have the wheel alignment checked.
- When I drive down a straight road, the spokes of my steering wheel are not centered?
This is also a wheel alignment problem, but one that is easy to correct by doing a wheel alignment. However, make sure the mechanic checks for worn or damaged parts. If the problem appeared suddenly, possibly after you hit a pot-hole or curb or something like that, then you've most likely have sustained some damage which should be checked as soon as possible to avoid serious tyre wear.
There is a humming noise coming from my tyres on a smooth road?
Possibly you haven't rotated your tyres in a while, check the rear tyres. Run your hand around the edge of the tread, first in one direction, then the other (Note: Be careful not to injure yourself on debris or exposed steel belts on the tyre). You are looking for a "saw-tooth" wear pattern between the tread blocks. If the tread is smooth in one direction but jagged in the other direction, you may have found some of the noise. Try rotating the tyres.
- How does a battery work?
A battery stores energy in chemicals form that can be released on demand as electricity. This electrical power is used by the cars ignition systems for cranking the engine. The car's battery also may power the lights and other accessories. Should the alternator belt fail, the battery might also need to power the vehicle's entire electrical system for a short period of time.
- When does a battery need to be replaced?
Warnings that a battery may need replacing or that the electrical system needs checking include:
• Slow or interrupted turnover of the starter motor.
• The instrument panel indicated battery "discharge" for extended period after the engine is already running.
• The battery seems to lose power quickly in cold or extended starts.
• The headlights dim at idle. Unfortunately, many times there is little if any warning. If you suspect your battery is load tested or replaced.
- My battery is new, how do I prevent it from going "flat"?
The radio, electrical items and all head lights must be switched off when the engine is not running.
• Check the alternator regularly. A faulty or loose alternator belt cannot efficiently charge the battery.
• The wiring system is not functioning properly. Any short circuit will drain the battery.