GENERAL INSURANCE BLOG

With the rain slowly subsiding and the roads getting clearer, Mumbaikars can finally get on their bike for a nice, pleasant ride. Now, you can finally say goodbye to the cloud-laden sky, dust off your bike, and hit the road for some hot cutting chai as you delve into the sceneries that your trip is going to offer. So without further ado, let’s look at the five best riding destinations in Mumbai. However, before you set out on your ride, make sure that you have access to the best two-wheeler insurance in India so that you can stay out of legal trouble.

1. Durshet

Durshet is located 64 kilometers from Mumbai and is known for its jungle safari and water sports. It’s hidden well in the laps of the Sahyadri mountain range and is covered in lush greenery. While you are here, you can take a dip into the shimmering cold water of the Amba river to refresh your senses. If you are someone who finds pleasure in visiting holy sites, then there are several temples around for a good morning walk that will fill you with a sense of devotion — the astounding nature only adds up to the serenity of this place.

2. Mulshi Dam

This dam is located 127 kilometers from Mumbai and is known for its several forts. It is a perfect place to get your camera out and click some amazing pictures that will decorate your gallery. The dam, which is constructed on the Mila river, works as a hydroelectric plant. The monsoon is particularly a good time to visit this place as you can see the river at its full flow while the mist fills the atmosphere, mesmerizing you with its beauty.

3. Malshej Ghat

Located serenely in the Sahyadri range, the Malshej Ghat is located at a distance of 154 kilometers from Mumbai. A bike ride here will offer you the naturally decorated view of lakes and valleys. It has some unique flowers that will make you take your camera, and perhaps never put it back. During the rainy season, you can even spot a few flamingoes perching, feeding themselves. It is a must-visit if you are into trekking, bird-watching, and hiking.

4. Vihigaon Waterfalls

The Vihigaon waterfall is located at a distance of 115 kilometers from Mumbai city. It is known for having the highest peak in Maharashtra — the Kalsubai. It is hidden in the greenery and can offer you some great treks that have some mesmerizing views. You can dive deep into the calmness which this place offers, which makes for an ideal spot for having a picnic with your friends and family. On top of everything, the waterfall offers a great view. It is a perfect escape from the hustle and bustle of city life.

5. Thoseghar Falls

Thoseghar Falls is located at a distance of 230 kilometers from Mumbai, which makes it a great place for bike rides, as you will be spending enough time on the road. The place receives abundant rainfall, and during monsoon, the waterfalls gush at high speed which makes it a pleasant sight. You can either sit around the lake or take a dip in it or merely gaze — there’s always enough to do at this place. With so many places to go around all you have to do is top up you fuel tank and hit the road. However, make sure that you get the best two-wheeler insurance in India so that safety becomes a top priority.

Driving is an adventure! You hold the steering wheel, buckle your seatbelt, get on the road, and roar your way through. The experience is even better on the highway where you have the chance to speed up. However, when on the road, one must watch out while speeding — as the popular saying goes: speed thrills, but kills! Driving safely is essential for many reasons. First and foremost, it is for your safety — you have to get back home to safety, a home where your family waits for you. Besides, driving is just not about trying not to overspeed to avoid accidents; it is also about having your car papers (insurance and registration) right so that you do not land into any legal trouble. You can start with getting your documents in proper place as it is mandatory to have registration and car insurance in India) Here, we will look at a few reasons why you should consider driving more safely than ever. .

Driving safe is eco-friendly

Driving an engine which lets out smoke, in the first place, is not suitable for the environment. However, more often than not, it is unavoidable. So if you do not want to leave large carbon footprints behind you, the best you can do is drive safely, economically — making sure that you use less fuel which also cuts down on carbon emissions. When you are driving carefully in economy mode, you will use less fuel, which indeed is good for the environment in the long run.

Financial gain and safety

Besides the fact that safe driving cuts down on fuel usage, it also helps you save money on your car insurance. If you have not made a single claim during your term of your car insurance in India, then you end up paying less money on your insurance premiums. You will also be earning more with the No Claim Bonus (NCB) on your car insurance if you do not meet with an accident within your insurance term.Another significant part of driving safe is that you will avoid any road accidents. According to a report, more than 1,50,000 people are killed annually in road accidents every year. The best you can do to avoid such circumstances is drive safely.

Sets a good example

If you drive safely, you also set an excellent example for others. For example, if you have a teenage child, then you will want them to drive safe too. If you explain to them the importance of driving safely and practice it on the road yourself, then it is highly likely that your child will learn from you and follow your footsteps. By looking at you, young drivers can be ‘peer pressured’ into driving safely, and this will be good for everyone. With so many reasons to drive safely, it is crucial that you make a safety note for your car as well. It becomes important that you get good car insurance in India. Magma HDI car insurance comes with numerous features that make it a popular choice for car owners. With a Magma HDI insurance, you get a personal accident cover and access to additional legal liabilities. Besides, you get access to other features such as access to anti-theft devices, no claim bonus, and a discount on your insurance premiums, among others.

For a lot of us, learning how to ride a two-wheeler involved tripping and falling, messing up the gears, and what not! Initially, it required someone to sit behind us to make sure that we do not accelerate much and that the bike does not go astray. The day you realized that you learned to ride was the day when you kissed freedom. The feeling was new, enthralling. A single, gentle twist at the accelerator could send you roaring. Learning how to ride can be challenging. However, before you begin your learning endeavors, it is essential to make sure that you have got your bike insurance in place. Having two-wheeler insurance online in India can save you much trouble as you maneuver your way with your first bike, trying to master its control. Here, we will look at a few hacks for new two-wheeler learners so that their learning curve is smooth and hassle-free.

Don’t put weight on the handle

It is easy to assume that a tight grip on the handle will make riding more comfortable, but it is not quite so. When you have a tight grip on the handle, it becomes hard to steer the bike. The trick here is to have a loose grip on the bike’s handle. Most of the time, you don’t even have to turn the handle. When you are cruising at a moderate speed, a little bit of weight-leaning through the handle does the job of steering.

Watch out on your brake technique

There is one rule which goes with putting on the brakes: when you brake your bike, do not brake all of a sudden, unless of course there’s a bovine in front of you, which could be highly likely while driving around Indian towns. Make it a point to practice braking on both the front and rear wheel together — this will make the bike slow down more smoothly.Also, remember that you should avoid using the clutch while braking, as the chances are that your bike might skid and fall. Holding on to the clutch while putting on the breaks can have disastrous consequences on slippery roads.

Accelerate gently

Do not accelerate your bike all of a sudden. It will just waste fuel and work up your engine for no good. Besides, a sudden increase in speed could make the bike go out of hand. The ideal way around it is accelerating slowly, gently. Moreover, it will also help you maintain that balance as the bike slowly gains speed.

Before you set out on the road, it is essential to make sure that you have good insurance at hand. Magma HDI two-wheeler insurance online in India comes with long-term insurance plans that can help you stay away from any legal trouble while you master your riding skills. A Magma HDI bike insurance stands out as it has support for anti-theft devices and. Among other features, you also get access to personal accident cover, which ensures your financial safety as well.

Medical Science has grown by leaps and bounds, so has medical expenses. With the rise in medical costs, a common man can no longer hope to provide his family with quality medical treatment without a health insurance policy. Health insurance is important as it takes away the financial burden in times of such despair. You should always remember to renew health insurance online or offline before it expires, as per your preference. Nowadays having single health insurance is no longer sufficient though. Even though medical costs keep increasing over the years, insurance policies have not kept up with that pace. Many insurers don't provide medical cover over a certain amount, which sometimes is not sufficient.

Thus, individuals are allowed to hold multiple health insurance policies as long as both the insurers are privy of it. All the insurers must know that you have multiple health insurance policies, else they might be deemed void, or your settlement may be reduced. While there are no problems over holding multiple health insurance policies. Many people don't know how the situation will play itself out. There are various things to remember so you may not face any unnecessary obstacles in claiming your entire settlement amount: -

• When a claim does not exceed the sum insured under a single policy, it is up to your discretion to choose which insurer to approach to settle the amount. Various things like NBC benefits must be taken into consideration while making up your mind on which insurer to approach. There are no specific guidelines that you need to follow and you have entire liberty in this matter.
• When claim exceeds the sum insured under a single policy, it is up to you to decide whom to approach first. The insurer you approach first will settle the claim up to the limit stated in your agreement with him. The rest of the claim amount will be settled by the second insurer.
• You cannot gain raise a claim for more money than your expenses. That means you cannot ask both insurers to settle the maximum amount of your policies.
• In case of a cashless settlement, TPA will agree to settle your expenses to the maximum amount that can be settled, rest you have to pay by yourself. Later on, you can submit proper bills to the second insurer and will be reimbursed for your expenses.
• To make the claims, you must submit several important original documents to the insurer. They are general bills and receipts, discharge form, prescriptions, diagnostic tests, and X-rays and other scans. The documents must be attested. To make multiple insurance claims, you must make sure to receive multiple attested copies of all the documents from the hospital.

With all these points, you will face no issue claiming multiple insurance covers. Having multiple insurance policies is generally beneficial as they might have different clauses regarding critical illnesses. You can better secure your future by holding multiple insurance policies instead of one. Also, you must renew your health insurance on time; accidents can happen anytime. You can do so from the convenience of your home and mobile phones as now you can marine cargo insurance policyrenew health insurance online. Still, you must never forget that precaution is better than cure. Just because you have good coverage on health insurance does not mean you stop taking care of your health. Some things when lost can never be regained.