GENERAL INSURANCE BLOG

Did you know that you can insure your car for a short period? Such as a few days or weeks. You must purchase short-term car insurance, often known as 'temporary car insurance.' Although it may seem strange, temporary car insurance is available, and people are already buying it.

Furthermore, short-term car insurance begins as soon as you pay for it. Some people may find that a short-term insurance policy is not ideal if they are unsure about their driving requirements. Let's take a closer look at a short-term car insurance policy in greater detail.

What exactly is short-term car insurance?
Short-term auto insurance can be valid for as little as a few hours or as long as some months, depending on the type of coverage you choose. It is possible to obtain short-term or temporary vehicle insurance coverage in some circumstances, such as when a person is not looking to purchase car insurance for more than a year.

How does short-term car insurance work?
Most Indian insurance policies fall into one of two categories: third-party liability and comprehensive insurance, with the latter being more commonly offered. In most cases, a standard automobile insurance term lasts one year. If one chooses to purchase comprehensive insurance, they will buy additional coverage through add-ons and benefit from other features. On the other hand, purchasing at least third-party insurance is mandated by law and gives the bare minimum of protection to the owner of the covered car in the event of an accident.
In situations where a person's need to drive a car is constrained by a specific time frame or a clear exit criterion, temporary car insurance may be necessary. Here, a person doesn't need to buy car insurance for a year because they don't drive a vehicle much. The time commitment could be anything from a few hours to a month or two at the most. Temporary auto insurance is uncommon in India, yet it is widespread.

Different types of short-term car insurance.
The coverage provided by short-term car insurance is minimal. It might be available in the following categories.

1. Rental car insurance:
Rental car insurance is the name given to the policy that protects a vehicle while it is being rented. Insurance policies for rentals typically include coverage for things like accidental damage and injury.

2. Gap insurance:
This insurance covers vehicles previously leased or financed through third-party financing. It provides gap insurance coverage in the event of a total loss, which is defined as damage that cannot be repaired. If the insurance provider compensates you for the fair market price of the vehicle, this policy will cover the difference.

3. Non-owners insurance:
Non-owners insurance is comparable to rental car insurance, although primarily available for private automobiles. People who borrow cars from family or friends are likely to buy non-owners insurance to protect themselves in the event of an accident.

Now that you've learned about short-term car insurance policies, you can make the most of a monthly car insurance plan to protect your vehicle. When you are only using a car for a limited time under the above three conditions, this is the most effective way of avoiding financial obligations. However, you should be prudent that not all car insurance companies offer this type of protection.

Click HERE to get more information about car insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

When you consider a bike's performance, many factors such as top speed, acceleration, engine capacity and power, mileage, accessibility of spare parts, servicing and maintenance, braking system, etc., contribute to a good outcome. Adding to this list are the wheels of your bike.

The wheels hold the tyres tightly to create a good balance and help steer the bike according to your driving directions and intensity. If you have a bike or are a bike lover, you would know that wheels come in different types, mainly lightweight and heavyweight. While each of these wheels has its pros and cons, how would we know which one is suitable for your bike?

This blog will discuss the benefits of lightweight wheels and how they add the "zing" to your motorcycle, giving it the winning edge.

So, let's understand the advantages of lightweight wheels to help you conclude which one you should choose and why.

1. We need to understand why weight matters:

To begin with, it is crucial to understand why the weight of the wheels matter. We can apply the fundamental theory of physics here. If anything is light and has lesser rotational mass (the level of resistance required to change its position or state), moving it forward is much easier. This is why it is convenient and requires less power from your bike's engine to move the lightweight wheels than the heavy ones.

2. Fuel consumption:

We all must opt for techniques to conserve fuel and make our vehicles more fuel-efficient. Lightweight wheels provide a way for your vehicle to use less power. So lesser the amount of power required to move the wheels, the less fuel consumed by the engine. There will be a minimal strain on the engine leading to minimising fuel usage.

3. Smooth movement:

Lightweight wheels, as already proved, are comparatively easier to move. In addition to the easy movement, lightweight wheels aid smooth turning and respond quickly, specifically in the corners. The smooth steering is a huge plus and excitement factor for bike enthusiasts. Besides improving gas mileage, lightweight wheels provide comfortable driving and a quality ride.

4. Need for speed:

Lightweight wheels are your best bet if you wish to achieve high speed while riding. They provide the comfort, quality and top performance of your bike. They show the immediate effect on the speed as you accelerate, thus achieving top speeds in a matter of seconds.

Get that adventure you seek by choosing the lighter wheels. But make sure you handle your motorcycle well, as lighter vehicles tend to be a little less stable. Safety is a huge concern, and you must adhere to all safety regulations. Gear up properly before you take your bike out for a ride.

We have already looked into how you need to be careful no matter the wheels you choose, and it is not always possible to anticipate any accidents or injuries you might end up in. Therefore, you must invest in bike insurance to safeguard it against the damages. You can browse all your options and deals before buying bike insurance. Select a comprehensive plan that offers the best coverage to your bike and comes with a reasonable premium.

Click HERE to know more about the benefits of bike insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Our skin and face bear a lot due to oil production, sweat, dust, and weather effects. Maintaining a clear and glowing complexion in these harsh conditions is a difficult thing. With social media taking centre stage in our lives, unreasonable beauty standards have been a constant.

However, one thing to keep in mind is that using multiple products might not be the path to glowing skin. Thousands of brands in the market promote expensive products to tempt you into buying them. Today we will look at a few inexpensive yet effective ways to have pimple-free and glowing skin.

1. Wash your face:
Pollution is a leading cause of breakouts and uneven skin. Research says that people who washed their skin twice a day saw a significant reduction in acne. Washing your face with a mild cleanser and cold water is the best way to clean your face and remove impurities.

2. Moisturise:
People often neglect moisturising when talking about acne-prone skin. However, moisturising can be significantly beneficial in the long run, no matter your skin type. Choosing non-greasy, light products that suit your skin type will help you in achieving glowing skin

3. Exfoliate:
Exfoliation helps get rid of dead skin cells that may clog pores and lead to acne. However, exfoliating daily can be harmful to your skin, hence stick to only once a week.

4. Consume water:
It’s no secret that water is the best medicine that solves a lot of your skin and health-related problems. Drinking at least 7-8 glasses of water is highly recommended as it helps wash out toxins from your body and reduces acne and scarring.

5. Avoid sugar:
If you have an excess acne problem, it is advisable to reduce your sugar intake as much as possible. A high glycemic index is a leading cause of acne.

6. Eat healthy:
Your skincare is only as effective as your diet. Having a well-balanced diet is crucial for clear and glowing skin. Consuming food items rich in vitamins and minerals is not only good for your gut health but also the health of your skin and hair. Eating clean food can show drastic changes in your skin.

7. Healthy Lifestyle:
There are countless articles on how leading a healthy lifestyle can positively affect your overall health. Regular exercise, sleeping on time and staying away from alcohol and smoking should be considered if you are aiming for a healthy life and glowing skin.

These are a few ways to give primary care to your skin and avoid pimples and dull skin. However, if the problem persists, consider going to a dermatologist. Your dermatologist will inform you about the products best suited for your skin type and any dietary changes that you may need to make.

Sometimes, the dermatologist might suggest getting blood work done to recognise any deficiency or allergies causing persistent acne and dullness. These tests and checkups can be expensive. Therefore, consider looking at online health insurance companies and choosing the best that equips you with the best healthcare treatment without stressing the huge costs payable for medical bills.

Click HERE to learn about online health insurance companies.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

When you hear vintage, you instantly associate that with an old yet cherished classic piece. We have seen vintage lovers obsessing over them, from paintings to vases to vehicles. While vintage bikes are a preferred term, we cannot set aside that these items are old and dilapidated.

The vintage bikes are mainly out of production, and finding parts for them can be a tedious task. So how to take care of them? Should you get insurance for them? Here are a few ways to ensure your vintage bike with bike insurance.

Let's look at a few advantages of getting bike insurance for your old two-wheeler:

1. Since it's an old bike, you might face extra costs. Having insurance ensures that you don't bear expenses for the repair and maintenance of your bike.

2. With traffic and motor rules changing regularly, it is good to have insurance to avoid penalties

3. You can hassle-free renew bike insurance online and avail bonuses.

Many factors are considered before providing insurance for your bike. For example, the model, build, design, the conditions in which it is kept, how frequently it is ridden, etc. Ideally, getting a comprehensive cover would be an excellent idea for a vintage vehicle with many additional costs compared to a new bike.

Comprehensive insurance is a shield in case of accident, theft, or damage due to a third party. Moreover, comprehensive cover and add-ons can support you rest assured in the circumstances of natural calamities, riots, etc. Things that you should look out for before buying insurance for your bike are as follows:

1. Coverage:
Since everything is online off late, consider looking for a bike insurance renewal online. Look into various insurance factors and decide what is best suited for your two-wheelers.

2. IDV:
Being aware of the declared value for the current policy year is vital to know the current market value of your vehicle. This is the sum that the insurance will provide in case of theft or loss of the vehicle.

3. Utility of bike:
Since the market value of your bike depreciates every year, understanding how much you can use it will allow you to have an overall idea about the kind of coverage you would want.

4. Understanding your need:
Since you are the best person to determine what your bike needs, it is essential that you know what you expect from it. Do you want to keep it as a souvenir, or will you take it on the road? Insurance companies cater to various needs of the customer, so having a clear idea about what you need will help you understand what kind of cover your vintage two-wheeler needs.

So these are a few ways to ensure the longevity of your bike. With a plethora of options available in the market, having ample knowledge about different kinds of insurance can aid you in choosing the best for you and your bike.

The process of selecting the right insurance can be overwhelming. But with some patience and research, you will find the best options to renew bike insurance online.

Click HERE to renew bike insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.