What is Passenger Carrying Vehicle Insurance?

Usage-Based Insurance and Pay-As-You-Drive (PAYD) Models

Posted on 2026-01-22 10:42:11

Many Indian car owners today find themselves paying full insurance premiums even when their cars spend most days parked in a parking lot. You’ll mostly see it with individuals who have suddenly shifted from on-site to work-from-home routines. It can also apply to you if you have only short city commutes or own a second vehicle which is used occasionally. This disproportionate premium has created a disconnection between how much you drive and what you should have ideally paid for insurance. Hence, insurers have started providing usage-based insurance where your premiums are calculated based on how much you drive and your precise driving behaviours. This new approach is more transparent and fair, which is why it’s growing in popularity across the country. If you’re new to usage-based car insurance, this blog will give you all the information you need to understand this insurance approach fully.

AI and Telematics Shaping Car Insurance Premiums in India

Posted on 2026-01-21 08:54:27

Traditional insurance premiums didn’t incentivise responsible drivers as much as they should. Fortunately, it is changing because of AI and telematics. Several leading Indian insurers, such as Shriram General Insurance, are now using AI and telematics to provide personalised, risk-based premium pricing. It means premiums will be determined based on your driving behaviour, vehicle data, and other relevant details. Insurers collect these details using telematics, and then use advanced AI algorithms to analyse them. Based on the analysis, AI creates an individualised risk profile, which helps insurers decide optimal premiums. If you’re new to this AI car insurance concept, you should read the full blog. We’ve covered everything you should know to develop a decent understanding.

Advanced Heads-Up Displays (HUD) and Augmented Reality in Navigation

Posted on 2026-01-20 12:28:11

If you’re driving on a new route, you’ll likely take a quick glance off the road to check Google Maps or any other navigation app installed on your phone or infotainment cluster. This split-second distraction can be dangerous. Hence, advanced heads-up displays (HUD) were introduced to make driving safer and more convenient. HUD displays your driving speed, navigation cues, and safety warnings directly on the windshield or a transparent screen. Since the display is intentionally placed within the driver’s line of sight, you don’t have to remove your gaze from the road for any reason. Augmented Reality (AR) in HUD systems takes navigation to another level. They blend digital guidance with the road ahead. So, instead of showing a simple arrow or map, AR navigation systems can place colour-coded turn indicators and other guidance directly onto the road view. Together, they improve safety and also enhance the driving experience. You can learn more about this advanced system in this blog, so read along.