What Are the Differences Between Disc Brake and Drum Brake?

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Jun 26, 2024
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Brakes are a vital part of every vehicle, and we rely on them not just to stop but also to help us avoid an accident or collision. The automobile sector has advanced greatly since the inception of the woodblock braking system to today's advanced disc brakes and drum brakes. Drum and disc brakes are the two most common types of brake systems found in modern vehicles, and they are frequently used in tandem. Let's dig into each: what is a disc and drum brake, the difference between disc brake and drum brake, and the advantages of disc brakes over drum brakes.

What Are Drum Brakes and Disc Brakes?

In the vehicle industry, two types of brakes are commonly used: drum-type brakes and disc-type brakes. Both are currently in use in motor vehicles.

Although both types of brakes function on the same friction principle, they are different in their effectiveness and design.

When brakes are applied, the kinetic energy is converted into thermal or heat energy. This efficiently brings the vehicle to a stop while creating heat.

The basic distinction between a drum-type and a disc type of brake is the rate at which heat is dissipated.

Drum Brakes

Drum brakes existed before disc brakes. They are the very first 'in-tyre' braking system. Previously, only rudimentary handbrakes were used.

The first-ever drum brakes were employed on a Maybach in the year 1900 and obtained a patent two years later. They quickly became popular and were frequently used in early automobiles. These brakes can be found in motorbikes, cars, scooters, and huge vehicles.

How Drum Brakes Work

As the name suggests, in the drum brake system, all the components are enclosed within the drum, that rotates along with the wheels.

When the brake pedal is pressed down, the set of shoes present inside the drum makes contact with the drum, generating friction and ultimately slowing down the wheels.

Consequently, when the brake pedal is pressed, pressure is applied to the wheel cylinder through the steel cable present in the brake line. This causes the brake shoe to press against the drum, slowing the vehicle down.

Disc Brakes

Disc brakes are a relatively new type that are more commonly found in modern vehicles. Jaguar originally introduced them in the year 1953. They are now often found in high-performance vehicles and as front brakes for most vehicles.

These brakes utilise the same friction theory as drum brakes. However, they feature superior braking power and an open-air design.

How Disc Brakes Work

As in drum brakes, the components are not enclosed in a drum but rather open and exposed to air. Disc brakes consist of two primary components: a calliper and a rotor that slows the wheels. The rotor is connected to the wheel hub.

Within the calliper, there is a pair of brake pads, positioned one on each side. When you press the brake pedal, the hydraulic fluid puts pressure on the brake pads, causing them to shift inward and press on the rotor. This action reduces the speed of the wheels.

Advantages & Disadvantages of a Drum Brake

Drum-type brakes, although an older design, are still frequently used in cars, scooters, bikes, and other heavy vehicles. The following are the advantages they offer:

Advantages of a Drum Brake

Disadvantages of a Drum Brake

Drum brakes are quite affordable. The components are readily available and economical to manufacture. This, in turn, reduces the total vehicle cost.

When brakes are applied, resistance or friction is applied to the turning wheel, which in turn slows and finally stops the turning wheel. During this process, heat is generated.

They feature simpler and older components, making replacement and service easier.

Under heavy braking, the drum brake system is prone to fade, i.e., they tend to lose effectiveness. This happens because all drum brake parts are enclosed in a metallic drum, so they heat up quickly. Heated brakes generate less friction, reducing their effectiveness.

Drum brakes have traditionally performed better than parking brakes. Disc brakes cannot keep a vehicle in its parked position. Design changes are required in a disc brake to accommodate parking brakes. As a result, the disc brake requires additional room to handle this.

A drum brake consists of several components. Even if just one of these components fails, the brakes may malfunction.

 

It takes less force to engage these brakes, which implies it requires less pressure on the brake pedal.

Drum brake parts wear out faster because they are exposed to more friction and heat.

 

They are relatively simple to maintain because of their improved corrosion resistance and the fact that they are housed inside.

Due to the closed braking system, undesirable materials can readily get caught in it, thereby impairing the performance of the brakes. This can also result in corrosion.

Drum brakes are more durable due to their greater friction contact area.

 


Advantages & Disadvantages of a Disc Brake

Here are some of the advantages and disadvantages of disc brakes:

Advantages of a Disc Brake

Disadvantages of a Disc Brake

The most important benefit of the disc-braking system is its open-air design. As a result, it does not overheat, which reduces the possibility of fading (losing effectiveness due to heat).

Disc-type brakes are costly to manufacture, which raises the overall cost of a vehicle.

A disc brake provides superior braking power. They can effectively stop a vehicle, even when driving at high speeds.

Disc brakes come with increased repair and maintenance costs. Additionally, more competence is necessary to service them.

Due to their open design, the disc brakes remain relatively clean, and their parts do not corrode easily.

The brake fluid should be replaced more often. Failure to do so would compromise the brakes' performance.

Since hydraulics are standard on all disc-type braking systems, applying a disc brake involves less effort and delivers more braking power.

If air enters the main cylinder, it can result in the brakes to fail. Therefore, these brakes must be serviced on a regular basis.

Disc brakes work well in wet weather and do not slip or grip like drum brakes.

High-speed braking may cause the brake rotor to warp. This can happen as a result of the disc reaching extremely high temperatures and then immediately cooling.


Drum Brakes vs Disc Brakes: Which is effective?

Despite the advantages and disadvantages of both disc and drum brakes, the answer to the question of which one is superior is complicated.

In a point-to-point comparison, disc brakes often perform better than drum brakes. They are commonly used in several mid-level, high-level, and non-performance models on all four wheels.

Currently, plenty of vehicles come with both brakes. Manufacturers provide disc brakes for the front wheels and drum-type brakes for the rear. The reason is that about 60%-90% vehicle's stopping power is on the front wheels.

This combo design has proven to be more cost-effective and well-suited for meeting the braking requirements of vehicles, especially cars. Furthermore, the drum-type brake design has undergone significant improvement since its introduction. The present-day drum brake system works well on the rear wheels.

So, you can have a combination of them or entirely disc brakes. Any of those choices may work perfectly.

Maintenance of vehicle brakes

Having learned about the two types of brakes and how important they are to safety, the importance of servicing and maintaining them cannot be undervalued.

You might be enticed to update the brake system in your vehicles. Any upgrade to your vehicle's brakes might alter the risk profile of the vehicle. Therefore, for optimal performance and safety, follow the manufacturer's recommendations for your vehicle's braking system.

Conclusion

Do not take the safety of your car's braking systems for granted; they play a critical part in keeping you safe. Know the type of brakes your vehicle has and the way they work. Regular brake servicing is important. Additionally, purchase car insurance. It is not only mandatory as per the Government of India regulations but also acts as a financial cushion in unfortunate incidents. Before buying car insurance, consider checking different types of car insurance and check the car insurance details if you are buying a used car to ensure that you have the correct cover suitable for you.

FAQs
    Which brake type is more suitable for passenger cars?

    The use of disc brakes or a combination of drum and disc brakes are both suitable for passenger vehicles. These have been demonstrated to provide excellent performance, especially at high speeds.

    Can I alter the braking system of my car?

    Yes, replacing your car's drum brakes with disc brakes can be possible. However, before altering your vehicle's braking system, please consult with a specialist.

    What is the meaning of water fade?

    Water fade happens when water gets lodged between the rotor or drum and brake lining, reducing the required friction and impacting the brake's effectiveness.

    What is the use of the calliper bracket?

    The calliper brackets attach the callipers to the brake to ensure that they do not move. Thus, calliper brackets are required for disc brakes.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

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Motor Insurance

5 Important Facts About Voluntary Car Deductibles

Car insurance can be a bit confusing, with lots of terms to understand. One term you might not have heard much about is the voluntary deductible. But don't worry, let’s break down the concept of voluntary car deductibles for you. Here, we'll explain what is voluntary deductible in car insurance is and why it's important for your insurance. By the end, you'll have a clearer picture of how it affects your coverage and your wallet.

What is Voluntary Deductible in Your Car Insurance?

A voluntary deductible in your car insurance is like a personal contribution you agree to make when you need to claim insurance for any damages. While there are compulsory deductibles set by the insurance company, the voluntary one is your choice.

Think of it as sharing the costs with your insurance provider. If you choose a higher voluntary deductible, it means you're willing to pay more out of your pocket when you make a claim. This decision can lead to paying lower premiums, which are the regular payments you make for your insurance.

For example: Let's say you file a claim for damages worth ₹20,000, and your voluntary deductible is ₹2,000. In this case, your insurance provider will subtract ₹2,000 from the claim amount and give you ₹18,000.

How Does Voluntary Deductible Help in Reducing Premiums?

Choosing a voluntary deductible can be like a balancing act between how much you pay upfront and how much you pay later if something happens to your car. When you go for a higher voluntary deductible, it means you're agreeing to pay more from your pocket if you ever need to make a claim.

But here's the catch: by taking on more of that risk yourself, you can actually pay less each month for your insurance. Insurers see it as a sign that you're pretty confident in your driving skills and less likely to have accidents. So, if you've got a good track record on the road and feel pretty confident behind the wheel, choosing a voluntary deductible could mean saving money on your premiums each month.

5 Important Facts About Voluntary Deductible in Car Insurance

  • You Need to Pay the Voluntary Deductible Only if You Make a Claim:

    When you go for a voluntary deductible, you're agreeing to pay a certain amount out of your own pocket if you ever need to make a claim. The good news is, you only have to pay this amount if you actually make a claim. So, if your car stays safe and you don't need to use your insurance, you won't have to pay the deductible at all. This means you're not spending money on something you might never need.

  • Voluntary Deductible Is Not the Same as Co-payment:

    It's important to understand that a voluntary deductible is different from a co-payment. With a co-payment, you usually pay a percentage of the claim amount, but with a voluntary deductible, you agree to pay a fixed amount upfront. So, while a co-payment can vary depending on how much your claim is worth, your voluntary deductible stays the same no matter what.

  • Voluntary Deductible Is Not an Additional Expense:

    Some people worry that choosing a voluntary deductible will mean paying extra on top of their regular premiums. But that's not the case at all. When you opt for a voluntary deductible, you're simply adjusting how much you're willing to pay if you need to make a claim. It's like choosing a higher excess on your car insurance – it might mean more out of pocket if something happens, but it can also mean lower premiums overall.

  • The Compulsory Deductible Is Not Eliminated Even if You opt for Voluntary Deductible:

    Even if you choose a voluntary deductible, you still have to pay the compulsory deductible set by your insurance company. This is a standard amount that applies to all policies and helps cover the insurer's costs. So, when you make a claim, you'll need to pay both the compulsory and voluntary deductibles before your insurer covers the rest.

  • Opting for a Voluntary Deductible Is Not Always Beneficial:

    While going for a voluntary deductible can save you money on your premiums, it's not always the best choice for everyone. If you live in an area with lots of accidents or have a history of making claims, a higher deductible could end up costing you more in the long run. It's important to weigh the potential savings against the risk of having to pay more if something goes wrong.

Should You opt for a Voluntary Deductible or Not?

The decision to go for a voluntary deductible hinge on individual risk appetite, driving habits, and financial considerations. While it offers potential premium savings, it also has higher out-of-pocket expenses during claims. Thus, car owners should assess their risk exposure and financial capability before choosing a voluntary deductible.

Conclusion

In conclusion, choosing the right voluntary deductible can really help you manage your car insurance costs effectively.

If you're looking to boost your car insurance, SBI General's Private Car Insurance Policy - Package is a great choice. It covers everything from minor damages to major accidents, and with a high claim settlement ratio and a wide network of cashless garages, you're in good hands.

Interested in worry-free driving with top-notch coverage? Give SBI General's car insurance a look-it might just be the perfect fit for your needs!

FAQ's

What is difference between Does a Voluntary Deductible vs Compulsory Deductible?
Compulsory deductibles are predetermined by insurers and mandatory for all policies, while voluntary deductibles are chosen by policyholders and affect premium costs.
Read more:Compulsory vs voluntary deductible in car insurance: What are the differences?

Will Opting for a Higher Voluntary Deductible Result in Lower Premiums?
Yes, selecting a higher voluntary deductible typically leads to reduced premiums, as policyholders assume a greater share of the claim burden.

How Does a Voluntary Deductible Impact the Claim Settlement Process?
Policyholders must pay both compulsory and voluntary deductibles upon claiming insurance benefits, influencing the final settlement amount.

Will My Voluntary Deductible Reset If I Make a Claim?
No, voluntary deductibles in car insurance remain unchanged unless adjusted by the policyholder during policy renewal.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

Motor Insurance

What is the Meaning of Subrogation in Insurance?

Accidents are quite stressful to deal with, especially if their occurrence is not your fault. Furthermore, there are times when the third–party that caused the accident tries to ignore the responsibility of their actions. This is where subrogation can come to the rescue. To help you gain a better understanding, we look at subrogation meaning in insurance.

Subrogation definition

Subrogation is the legal right that you give the insurance company to sue and claim compensation from the third–party that has caused the accident. The insurer can only pursue the third–party for the compensation after disbursing the claim amount to you, the first party.

Let’s understand this with an example. Suppose you get into an accident that is not your fault. When you ask the third–party to compensate you for the losses, they blatantly refuse to do so. Hence, you approach your comprehensive motor insurance provider for the compensation. After validating your insurance claim, the insurer will disburse your compensation from the own damage component of your comprehensive insurance policy. In exchange of the funds, you will have to transfer your rights of suing the third–party to your insurance company.

After disbursing the compensation to you, the insurer will take it upon themselves to take legal action against the third–party in order to get back the money they owe. Hence, you do have to deal with the third–party yourself. You can just take the compensation from your insurer and let them deal with the person that caused the accident.

What if someone is subrogating you?

If you have caused the accident, it is only fair to compensate the other person for the damages. However, if that is not feasible, you can ask them to waive their right of subrogation. If the first party agrees to do so, you will not be pursued by their insurer for the compensation. Here it is important to remember that the waiver of subrogation is chargeable by the insurer. Thus, you might have to pay these charges in order to avoid a lawsuit against you.

Things to know about subrogation in insurance

Now that we know subrogation meaning in insurance jargon, let’s look at a few things you need to keep in mind:

  • Subrogation is applicable on all indemnity insurance plans, such as health insurance plans, motor insurance plans, and property insurance plans among many others.

  • You can sue the third–party even after exercising your right to subrogation. However, due to your transfer of rights to the insurer, you will not be compensated for the same damages again.

  • Once you exercise your right of subrogation, you longer need to get involved in the matter. Your insurance company will resolve the issue directly with the third–party.

  • When your insurer sues the third–party, the lawsuit is fought by the insurance company of the third–party and not the third–party themselves.

  • The terms of the subrogation process may vary from one insurer to the other. However, a subrogation clause is mentioned in your insurance policy. This clause defines the different terms and conditions that are applicable for the subrogation process. Hence, it is better to read and understand the fine print of your insurance policy before making the purchase.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

Motor Insurance

Benefits of Zero-Depreciation Car Insurance

Benefits of Zero-Depreciation Car Insurance

A car insurance is purchased with the objective of getting compensation in case the car gets damaged in future due to accidents or natural calamities. One important factor that you need to keep in mind while filing for compensation is the depreciating value of the car. The insurance company, in the event of a claim, will only compensate you after deducting the cost of depreciation attached to different car parts. This would result in lesser compensation by the insurance company and hence higher burden on you. Therefore, it is vital to understand the benefits of zero depreciation car insurance.

Understanding Depreciation

Depreciation means the reduction in your tangible asset’s value owing to wear and tear. To understand what is the benefit of zero depreciation car insurance, let us look at the standard depreciation rates. According to the Insurance Regulatory and Development Authority of India (IRDAI), the following depreciation rates are applicable:

  • No deduction on vehicle parts made of glass
  • 30% deduction on fiberglass components
  • 50% deduction on components made up of rubber, nylon, or plastic like airbags, tires, tubes and batteries

Overall Depreciation Rate for Vehicles

Age Of Vehicle Percentage of Depreciation
Not more than 6 months 5%
6 months – 1 year 15%
1 year – 2 years 20%
2 years – 3 years 30%
3 years – 4 years 40%
4 years – 5 years 50%


Overall Depreciation Rate for Vehicles Metallic Parts

Age Of Vehicle Percentage of Depreciation
Not more than 6 months -
6 months – 1 year 5%
1 year – 2 years 10%
2 years – 3 years 15%
3 years – 4 years 25%
4 years – 5 years 35%
5 years – 10 years 40%
More than 10 years 50%


Zero Depreciation Insurance Benefits

Opting for a zero-depreciation cover, under your comprehensive car insurance policy can serve you well in situations of need. The depreciation attached to your insured vehicle will only increase with time. Say, if your insured vehicle was involved in an accident and the claim amount comes out to be Rs 50,000, and depreciation on your vehicle is Rs 20,000 and you do not have the zero-depreciation cover, the insurance company will only pay you Rs 30,000 after factoring in the depreciation costs. However, if you had opted for the zero-depreciation cover, the entire Rs 50,000 claim would be met in full by the insurance company.

Factors Affecting Zero Depreciation Premium

The inclusion of the zero-depreciation cover on your car insurance policy will result in an overall increase in insurance premiums. However, the long-term benefits of this cover would fully justify this higher premium outlay. Ideally, it is said to have an upward impact of approximately 15% on your car insurance premiums. Some factors which affect this cover are:

  • Age of the vehicle
  • Make and model of the vehicle
  • Geographical location of the vehicle
  • Insured Declared Value
  • Fuel Type

Exclusions in Zero Depreciation Cover

While the benefits of zero depreciation insurance are aplenty, there are certain exclusions applicable to this coverage.

  • Intoxicants: Those driving under the influence of intoxicants are excluded from the coverage during claims.
  • Driver’s Licence: Your driver’s licence is an all-important document, which must be valid, to receive benefits through a claim.
  • Compulsory deductibles: A deductible is a mandatory amount that you must pay, before the insurance company covers you for the rest of the damages. A zero-depreciation cover would also mandate you to pay your share.
  • Mechanical Breakdowns: General breakdowns due to the insured vehicle’s own engine cannot be claimed through zero-depreciation cover.

Conclusion:

Purchasing a car is a big decision. With the right kind of add-ons to your basic policy, you will be safeguarding your own pockets. A zero-depreciation is a great add-on to have on your comprehensive car insurance policy.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.

Motor Insurance

Complete Guide to Bharat NCAP: Understanding Car Safety Ratings

Are you concerned about the safety standards of cars you encounter daily on the bustling streets? The entry of the Bharat New Car Assessment Programme (NCAP) resolves this problem and is a unique solution.

This initiative, backed by the government, strictly scrutinises the safety performance of passenger vehicles via comprehensive NCAP crash tests and assessments. So let’s take a detailed look and understand what NCAP is, what it means to us that there is NCAP for Indian cars and how it shifts vehicle safety standards across the nation.

Bharat NCAP - An Overview:

Bharat NCAP introduces an indigenous star-rating system to check the safety of cars in India. Under this program, manufacturers voluntarily nominate vehicles for crash testing based on protocols already aligned with Automotive Industry Standard 197.

Passenger vehicles with up to eight seats and a gross weight under 3,500 kg are eligible for evaluation. The program aims to increase vehicle safety by analysing and scrutinizing structural integrity, child safety features, and occupant protection. This initiative might potentially help many Indians be safe on the streets, as it might avoid unnecessary accidents caused by basic structural malfunction.

Ratings and Tests of Bharat NCAP:

Bharat NCAP conducts crash tests to assign star NCAP safety ratings ranging from 1 to 5 Stars, with 5 being the highest. The NCAP rating system tests evaluate Adult Occupant Protection (AOP), Child Occupant Protection (COP), and the Fitment of Safety Assist Technologies.

Protocols included in the tests are Front Impact, Side Impact, and Side Pole conducted at specified speeds. Ratings are based on adult and child safety criteria, with minimum score requirements for each star rating.

Which Vehicles Will Qualify in Bharat NCAP?

Vehicles falling under the M1 category, which can carry up to eight occupants and weigh under 3.5 tonnes, usually qualify for Bharat NCAP evaluation. This includes cars produced or imported into India, CNG, and electric vehicles. The program aims to include a wide range of vehicles to promote safety across diverse segments.

How Does Bharat NCAP Work?

The process begins with manufacturers nominating base models for evaluation assessment. Selected vehicles undergo crash testing at a designated facility, with representatives witnessing the tests to maintain the test’s authenticity.

Upon approval, Bharat NCAP discloses and publishes ratings accompanied by certificates issued by the Central Institute of Road Transport (CIRT).

Bharat NCAP vs Global NCAP:

While Bharat NCAP focuses on India-specific safety challenges, Global NCAP operates internationally and sets global safety standards. Bharat NCAP ratings reflect local road conditions and challenges, while Global NCAP sticks to general international benchmarks. Both organisations employ star rating systems to denote safety levels, but with distinct criteria and interpretations.

Conclusion:

Bharat NCAP has emerged as an excellent initiative for promoting vehicle safety in India. As demand for safer cars rises, consumers can make informed decisions based on safety ratings so that they and others on the road can always stay protected. However, ensuring safety doesn't end with vehicle selection; it extends to obtaining comprehensive car and two-wheeler insurance for proper financial protection.

Getting car insurance and two-wheeler insurance for your motorbike will keep your mental well-being safe by ensuring you are financially protected. As we applaud initiatives like Bharat NCAP, let's prioritise safety at every turn to safeguard ourselves and our vehicles.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.