Bankbazaar

Is Your Child Safe In The Car Seat? Here’s What You Should Know...

If you are in the driver’s seat while your child is in the rear car seat, one of your top priorities while driving would be the safety of the child. In fact, this has a lot to do with the type of car seat your child is using.

Most parents check and recheck if the seat and the belt are secure. However, you may be doing some mistakes without even knowing it. So, it is necessary that you are aware of the correct installation process for a car seat and the common mistakes that you can end up doing.

Selecting The Right Child Safety Seat:

Child safety seats are responsible for reducing the risks of a child suffering from an injury while travelling in a car. It is as important as the driver’s seat belt. The driver and the passenger at the front should always wear seat belts to protect themselves from collisions. Likewise, it is essential for a toddler or an infant to be buckled into the right kind of car seat for his/her age and size.

Listed below are the different types of car seats available in India and some guidelines that will help you select the right one for your child:

  1. Infant rear-facing car seat - This is suitable for children below the age of 1 year.  It features a harness strap system that safeguards the toddler/infant from jolts and a cradle that protects his/her neck and spine.
  2. Child rear-facing car seat - This type of seat is most suitable for children between the ages of 1 and 3 years. The car seat should be kept in a rear-facing position until the child exceeds the manufacturer-recommended height and weight.
  3. Front-facing car seat - These car seats are ideal for children between 4 and 7 years of age. This type of seat can also be used by a child below 4 years, who has outgrown the maximum recommended height and weight for the child rear-facing seat. This seat has a tether strap system that is more safe than an ordinary seat belt.
  4. Booster seat - Children between 8 and 12 years of age should ideally use a booster seat. This seat can also be used by a child who is younger than 8 years, but has outgrown the front-facing car seat in terms of height and weight. The booster seat will add extra height; this ensures that the seat belt fits properly.

Features Of Car Seats And Booster Seats:

There are several types of car seats available in the market. You can select one based on your convenience and budget. Some of the key features to look out for when buying a child safety seat are as follows:

  • Convertible - Convertible car seats may work as a rear and front-facing seat. Some of the models also transform from front-facing to booster seat. However, they cannot be used by children of all ages.
  • All-in-one - Car seats with this feature can be converted from a rear-facing seat for infants to a front-facing seat for toddlers. These can also be converted from a front-facing seat to a booster seat for young children.
  • Five-point harness - The five-point harness system is a feature of front-facing car seats. The harness clips in at the shoulders, hips, and the lap of the child. The harness is responsible for reducing the risk of the child slipping/falling off from the seat.
  • Twist-free straps - Some car seats come with twist-free straps that will not cause any discomfort to the child.
  • Built-in lock clips - Lock clips are necessary to prevent the car seat from tipping over.
  • LATCH system - This is essentially ‘lower anchors and tethers for children’ that does away with the need to use the seat belts of the vehicle to anchor the child safety seat. The LATCH system provides greater stability to the seat as well.
  • Wings - The wings protect the head of the child at the time of a collision by acting like a cushion.
  • Recline - The recline functionality is seen mostly in rear-facing seats. The facility provides more comfort to the child while sleeping.

Some car seats also provide impact protection through the use of EPS foam that cushions the child’s head at the time of a collision.

Tips For Car Seat Installation:

The process of installation of a car seat may be different across vehicles. However, there are some common points that apply for all cars:

  • Read the manual - You should ideally read the instructions on how the car seat should be installed before you actually attempt to secure it in place.
  • Position the car seat in the rear seat - The car seat should always be attached to the rear seat of the car, as this is the safest location for a child. In case you are using a rear-facing seat, ensure that it is never placed facing forward. This will reduce the stability of the seat. Also, a rear-facing seat should be placed at an angle of around 45 degrees to avoid stability issues.
  • Check your car’s manual - Some vehicles have anchors that are attached to the seats. The safety seat can be affixed here. Older models of cars may not have this facility, and the seat belt should be used for securing the safety seat. The car owner’s manual will help you in understanding this in detail.
  • Affix the seat belt properly - You should refer to the owner’s manual to understand how the seat belt can be locked once the child seat is in place. Once the child safety seat is affixed using the anchors or a seat belt, move it back and forth and from side to side to check if it is fastened. The seat should not move beyond an inch in any direction.
  • Adjust recline angle and tether strap - In the case of rear-facing seats, the base of the car seat should be level. This will protect the child’s head. Forward-facing seats also have an extra strap for additional safety. This is referred to as the tether strap. Ensure that you have tightened the tether strap so that the child’s head is protected.

Seat Your Child Properly:

After the installation of the car seat, it is important that you place your child properly in it. Listed below are some tips to help you with the same:

  • Do not place the child in the car seat with bulky clothing.
  • The child’s back should be against the seat without slouching.
  • The straps should be flat against the child’s body without any knots or twists.
  • The straps should be buckled in a comfortable manner; not too tight, not too loose.
  • The shoulder straps should be connected directly below the shoulders of the child.
  • The chest clip should be along the armpits.
  • In case the child safety seat is too wide, you should place rolled towels in the gaps on each side, so that the child is snug.
  • You should never place a towel or blanket between the straps of the seat and the child.

Points To Remember:

It is recommended that you inspect the child safety seat regularly to ensure that it is always mounted right. You can also check for damages in the straps. If needed, you can get it inspected at a service centre where an expert will assess whether your child will be safe when seated in it.

Additional points to bear in mind are as follows:

  • It is important that you use a child safety seat every time your child travels in your car.
  • In case you are transferring the child safety seat to another vehicle, it is important to check the user manual of the latter for installation procedures.
  • The rear-facing seat provides maximum safety to the child.
  • Children under 12 years of age should be seated in the back seat of the vehicle.
  • Car seats also expire, as these are made of plastic that tends to get brittle with age. If you are using a car seat, ensure that it is strong enough to take the impact of a crash. Ensure that you are aware of the expiry date of the car seat, especially if it is being handed down to the younger sibling in the family.

The size of the child (and not the age) should be considered when moving to the next level of child safety seat. It is recommended to plot the growth of your child in order to select the right car seat for him/her.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

 4.5 / 5.0   by 2625 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Car Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • New India Car Insurance
    "Good in claim settlement"
    0.5 5.0/5 "Blown Away!"
    Last year I met with an accident, they done it very well. My car front bumper and radiator was damaged, I got the cash less garages the just taken one week of time to reflect the issue. I paid the premium of 11,000 for zero depreciation plan its fully covered.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 19, 2019
  • ICICI Lombard
    ICICI Lombard Car Insurance
    "Premium should be reduced"
    0.5 5.0/5 "Blown Away!"
    I took car policy from ICICI Lombard, the policy cost is bit higher compared to others. I paid premium around Rs. 18,000 for one year comprehensive plan. It would be great if they reduced the cost of the premium so that many customer can avail their service.
    Was this review helpful? 0
    , noida
    Reviewed on Jul 19, 2019
  • New India Car Insurance
    "Needs improvement on the claim process"
    0.5 4.0/5 "Great!"
    I had chosen New India Assurance for my car insurance because I know a employee so I get some waiver off on the premium. I had claims on my previous car and the experience was not good. They need to improve on the benefits because I need to pay first for the cliam process then they send a cheque after 1 or 1.5 months that too after analyzing. I get 80% and sometimes 85% of the claim.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 19, 2019
  • New India Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    I purchased zero depreciation car insurance with New India Assurance, the cost is reasonable. Last year I paid the premium of Rs. 14,000 for one year policy its for four years old car. They got tie up with many service centers, the service is good I can reach at any time.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • Royal Sundaram Car Insurance
    "Useful Policy"
    0.5 5.0/5 "Blown Away!"
    My agency people where i took the car, they have proposed the policy from Royal Sundaram. I paid the premium amount of Rs. 13K nearly. My claim experience is very good and they have processed the claim within 1 day and its a 100% covered policy and i didn't pay anything from my pocket.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 18, 2019
  • United India Car Insurance
    "For new car, don't go for it"
    0.5 4.0/5 "Great!"
    The amount they are charging is less thats the reason i opted the car insurance policy from united India. I pay the premium amount of Rs. 2500. This is a third party insurance policy. Through consultancy, i used to renew my policy. I have not applied for any claim so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • HDFC Ergo Car Insurance
    "Whichever policy, Go for Zero dept"
    0.5 4.0/5 "Great!"
    My car insurance policy was with HDFC ergo because it was recommended by my dealer. I had claim experience and it was cashless and good. I did not pay anything from my pocket within 3 days, they have processed the claim and handed over my vehicle. It was a zero depreciation policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • ICICI Lombard Car Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    Every time, i used to visit their showroom to renew my car insurance policy. I'm receiving the no claim bonus. This is a bumper to bumper covered policy. I pay the premium amount of Rs. 10000 and I'm not sure about the IDV value. They are providing the hard copy of the documents immediately. I do not have any claim experience.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where I have taken the car insurance policy for life time policy, the premium amount is nominal I use to yearly basis. I use to do payment through an online. Their service is good. They used to process the claim as soon as possible and they will take care of the claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Should be transparent"
    0.5 1.0/5 "Really Bad"
    I met with an accident, I had to get it claim because I have Royal Sundaram car policy it was bumper to bumper at the time of enrollment they said its fully covered. But when I went for the claim, the insurer said car engine was not covered. Then I fought with Royal sundaram Insurance company. They quoted 1.40 lakh claim value and they made me to pay Rs. 70,000 from my end. However the additional cost of engine protection is just around Rs. 400 but I paid the premium of Rs. 20,000. I am very disappointed with them because they are not transparent. So I suggest to all, before going policy make sure whether its fully covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Policy not up to the mark"
    0.5 3.5/5 "Pretty good"
    The policy was overall good but end of the day i was not satisfied with the policy. When i purchase the policy, they said its a zero depreciation policy and its nil dept. But when i applied the claim, they have given me a claim only for 50%. In that, my car steering was not covered, Some engine parts and bumper was not covered.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • New India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have bee using the car insurance policy with NEW INDIA ASSURANCE where the customer support is prompt by giving the information regrading the policy expiry date. I had no claim also the IDV value is good provided with the insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 10, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the two wheeler insurance policy with the ICICI LOMBARD GENERAL INSURANCE where i had no claim experience with the policy. The premium paid was nominal also the IDV value is good with the policy. The service is good with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 10, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I believe the premium is lesser for National Insurance car policy and they have good claim ratio when compared to private sector but the service needs to be improved. I done a claim there a small damage within a week time they came and took the details and within 15 days I got the reimbursement. I paid last premium of Rs. 10,461 for my Maruthi Baleno car.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 09, 2019
  • Oriental Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy since from last 2 years with ORIENTAL INSURANCE where they have given coverage is for bumper to bumper. The premium paid was nominal and the IDV value was good also there was a road side assistance. No claim bonus is there with the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 08, 2019
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    When i purchased my new car, i have bought the car insurance from Bajaj Allianz. I have made th premium amount of Rs. 33000 for the coverage amount of Rs. 9 lakhs. I do not applied for any claim till now. For the premium amount has taken along with the loan amount.
    Was this review helpful? 0
    , kochi
    Reviewed on Jul 06, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India. My dealer has given the policy with them and I'm continuing with the same company. I pay the premium amount of Rs. 16000 for the coverage amount of Rs. 7.50 lakhs. I haven't got my no claim bonus. When i informed about the same, they were not ready to provide proper response.
    Was this review helpful? 1
    , kochi
    Reviewed on Jul 06, 2019
  • National Insurance Car Insurance
    "Excellent car insurance policy"
    0.5 4.5/5 "Excellent!"
    I went to the dealer and he had a tie up with the National Insurance company hence i have chosen them. I paid the premium amount of Rs. 22000. They have provided me a coverage amount of Rs. 4 lakhs. They have provided me a hard copy of the documents. Its a zero depreciation policy. I get a facilities of no claim bonus, roadside assistance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jul 05, 2019
  • HDFC Ergo Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where i am using the car insurance policy since from last 6 months also the premium paid was nominal added on that the IDV value is nominal with the policy. The policy coverage is for bumper to bumper with the policy.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Jul 05, 2019
  • review Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the BHARTI AXA GENERAL INSURANCE where i have no claim experience also the premium paid was nominal also the IDV value was good with the policy. The policy coverage is for full also it is a good policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 05, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.