Personal Accident Insurance by Shriram General Insurance

Impact of GST Reforms on Car Insurance Premiums

Posted on 2025-12-24 08:32:48

People purchasing cars from September 2025 onwards will benefit from the newly introduced GST rate cuts and the removal of cess on automobiles. Besides enjoying lower car prices, they will benefit from reduced GST on car insurance in the form of reduced premiums. Whenever tax reductions are announced for vehicles, automakers pass the benefit down to buyers by lowering car prices. As the car’s value decreases, so does the Insured Declared Value (IDV), which is the value used for the insurance calculation. This reduced IDV (the vehicle’s current market value) lowers the premium for the ‘own damage’ component of comprehensive car insurance policies, as it’s a proportion of the IDV. Since some insurers set premiums partly as a percentage of ex-showroom/IDV, the tax change flows through. In this blog, we’ve covered the impact of GST reforms on vehicle prices and insurance premiums in great depth.

How Car Aerodynamics Affects Speed, Safety, and Fuel Efficiency

Posted on 2025-12-23 09:43:57

Car aerodynamics influences speed, safety, and fuel economy by changing how air flows around a moving car. It employs downforce to keep the automobile stable and safe at high speeds, and it reduces drag to let cars go faster. It also has optimised airflow to reduce energy loss and make better use of fuel. These combined effects make active aerodynamics essential in both everyday and high-performance models. This blog simplifies what aerodynamics means and how it influences your car’s speed, safety, and fuel efficiency.

Digital Car Keys and Cloud-Connected Backup Cameras

Posted on 2025-12-22 09:36:24

Do you often worry about what happens to your car when you leave it at the valet, or have a habit of unintentionally misplacing car keys? These are common concerns and instances that some car owners face. You can fix all this by using digital car keys and cloud-connected car cameras. Digital car key security will let you use your smartphone to open and lock your vehicle. It makes access easier and more flexible. Cloud-connected smart backup cameras go beyond basic reversing, helping you record incidents and storing them online. You can view this footage remotely to stay fully aware of what’s happening around and with your car. Together, these advanced technologies can help you reduce car-related stress and improve your vehicle’s safety. If you’re new to these technologies and wondering how they work and how they can benefit you, then read the full blog.