GENERAL INSURANCE BLOG

Health is wealth’, perhaps one of the most commonly used phrases that stand true for all of us. This phrase stands more relevant for elderly people present in our lives. As our body ages to its physical peak, there are increased chances of rising disorders and diseases that come with high costs.

Thanks to the presence of effective senior citizen health insurance policies; today, effective healthcare is no longer associated with heavy medical bills & expenses. This article guides you through senior citizen health insurance so that you won’t disrupt your life-savings & budget. Let’s get started!

Health Insurance for Senior Citizens

It is necessary for everyone to have health insurance but it becomes even more crucial in the case of senior citizens who are prone to falling sick due to the age factor. If you do not have a health insurance policy for the elderly, a simple health issue could turn into a big financial problem. Therefore, it is important to secure the future of the elderly with a good senior citizen health insurance policy.

What to Expect From This Article?

In this article we will discuss the reasons why one should buy health insurance for the elderly who are over 60. This article will also navigate you through the basic features to look out for, to help you find the best health insurance company in India.

Basic Characteristics and Benefits of Senior Citizen Health Insurance

Taking care of the elderly is our responsibility and buying a senior citizen Health Insurance policy is one of the best ways to fulfill it completely. However, things get confusing when you search for the ideal health insurance (the market is filled with a variety of insurance options). Even a simple query on the internet with ‘best health insurance company in India’ yields a number of results which could make it daunting for a first time consumer to choose from.

Well, it won’t be the situation anymore! Listed below are the basic characteristics to help you streamline the search process:

● Tax reduction due to the payment of insurance premiums

● Higher insured benefits

● Coverage of the OPD expenses

● Coverage of daily hospital expenses while admitted and receiving treatment such as usage of equipment like dialysis machines, chemotherapy, etc.

● Free annual health tests and medical check-ups

● Coverage of ambulance fees

● Cashless hospitalization benefits

● Coverage of the doctor’s fees

● Coverage of room charges

● Coverage of medical bills for more than 24 hours’ hospitalization

● Pre and Post hospitalization charges

● Full coverage of declared illnesses/ diseases

● Coverage of Pre-existing illnesses

● Seamless and quick financial settlements

● Hassle-free claim fulfilment

Things to Keep in Mind before Selecting a Health Insurance Policy for Senior Citizens:

1. Medical history: Formulate a well-documented medical history with age, risk factors, pre-existing illnesses et al. This helps in identifying a specific plan since there exist specific plans for specific illnesses. This also helps in availing the maximum benefits.

2. Declare correct information: It is important to disclose all the information and give correct details prior to the purchase of a plan. This is because incorrect or incomplete information can create trouble at the time of filing a claim.

3. Conduct proper market research and make comparisons: It is necessary to search for different types of policies that are out there to find the perfect fit for your elderly parents. Making a comparative analysis is the best way to conduct this search and select the perfect health insurance provider.

4. Insurance premium should not be the only criterion for comparison: While everyone wants to get the maximum benefits with minimum premium rates, it is not right to keep it as the sole criterion while selecting a policy.

Conclusion

Now that we have had a walkthrough of all the basics, we hope that this article will make your work easier while searching for a good health insurance policy.

Tips:

● Look out for a plan that provides value for money in terms of benefits.

● These benefits should also exist within your budget limit.

● Create a clear set of expectations so that you know what to search for.

The importance and relevance of motor insurance policy are increasing day by day in India. The accident rate has not reduced much in recent years, and thus, vehicle owners today are more inclined towards the idea of purchasing a motor insurance policy.

Further, with online motor insurance renewal becoming as easy as a few clicks, it is more convenient and easy for users to pay the dues of their claims. Therefore, vehicle owners can now buy and claim insurance in the easiest and fastest way ever.

Different Types of Insurance Policies

Today, there are various types of motor insurance in India. You can choose the one that is suitable for your vehicle and match your requirements. However, there are some common factors in every insurance policy. Purchase of online insurance, online motor insurance renewal, and claiming the insurance; these procedures are more or less the same across all insurance policies.
Motor insurance policy mostly covers all types of vehicles. Nevertheless, the policies can be differentiated and divided into some categories. Let us look into these categories:

● COMMERCIAL VEHICLE INSURANCE - Under this policy, you get all your vehicles covered. In case of any accident, theft, burglary, and other vehicle damages, commercial vehicle insurance would provide complete financial support. Any vehicle like a car, tractor, truck, taxi, bus, crane, pick-up, etc., is protected with this insurance plan. Commercial vehicle insurance plans offer unlimited financial aid to any third-party injury or damage. It also compensates for the damage done to the third-party. Moreover, it offers facilities for personal accidents and loss and damage protection.

● CAR INSURANCE - Starting from online motor insurance renewal to online insurance claiming, all tasks can be done digitally. Car insurance secures you, and your drive from all the financial pressure in the events of an accident. Further, it also offers assistance for a third-party to the insured person in case of any damage or injury. This policy also covers personal accidents and loss and damage protection. Unlimited third-party liability is also provided. Also, the facility of cashless claims makes it more suitable and convenient.

● TWO WHEELER INSURANCE - These policies cover the cost of damages over scooters and bikes. One of the most cost-effective options for two-wheeler owners, these policies provide you with comprehensive coverage. Besides the facility of online motor insurance renewal is also offered. You can easily extend your claims for 2 to 3 years, without having to worry about your Two-Wheeler Insurance.

● COMPREHENSIVE MOTOR INSURANCE POLICY - This type of policy provides financial support to the insured person and the vehicle and offers financial assistance to the third-party of the registered person. Complete financial aid is offered by this insurance policy. Besides, all types of vehicles (car, bike, scooters, etc.) are covered in this insurance policy.

● THIRD-PARTY INSURANCE POLICY- This policy is suitable for third-party liabilities and covers all kinds of vehicles. It compensates for any damage or injury to a third-party vehicle or person respectively.

These are the main types of motor insurance policies available in India. Now, let us learn about the situations when you are going to get assistance around different policies:

● Road accidents

● Fire or explosion

● Theft and burglary

● Terrorist acts

● Natural calamities (flood, storm, etc.)

● Protection for any third-party damage and injury

● Criminal acts

● Personal accident incidents

Do you know the cases when you may not get any assistance from the insurance company?

Here are the situations when you must not expect any help from the company:

● Any damage is done without an accident

● Ding or dent done after the accident

● When an accident happens because of a drunk driver

● When the driver doesn't have a license

● Damage as a result of radioactive or nuclear accidents

Final Thought

Among these types of motor insurance policies, which one did you choose? Do not forget to select the cost-effective option that facilitates buying, renewing, and claiming the insurance.

Tip: Never claim your insurance policy provider for minor damages to your vehicle. This way, you become entitled to receive benefits of no claim bonus.

Are you passionate about your ride? Own a bike, scooter, or a moped? The thought of gearing up for a long ride or a short spin around the city can be truly refreshing. Especially, when you have a vehicle that provides you with the opportunity to avoid jams and cruise through the traffic.

Today, two-wheelers are the most popular and convenient means of travel for everyday commuters. However, it’s not only about the fun in riding; a rider has to be responsible too! This piece guides you through essential safety tips for your spin in the city or the highways. Let’s get started!

Crucial Safety Tips to Follow When Riding a Two Wheeler:

● Wear a helmet before riding: Wear a helmet, no matter how bad you think it looks. A helmet is the first defense when it comes to a road accident. It protects your skull and the brain and prevents you from getting fatally injured. Helmet usage is linked to a decreased number of fatalities in road accidents. In India, it is mandatory for all passengers on a two-wheeler to wear helmets.

● Maintain your ride’s weight: Make sure not to overload your two-wheeler with more than two people. A two-wheeler is short and meant to transport a maximum of two people. Overloading causes misbalance and leads to accidents like the bike skidding or falling over to its side. Also, ensure that both the persons on the two-wheeler are wearing a helmet.

● Stay alert & focused: Ride your two-wheeler with an active mind. Be in full cognizance of the movement of other vehicles, traffic lights, people, and stray animals around you. Make sure to eliminate any other sources of distractions such as music from the earphones or the speaker. Avoid talking to someone on the phone while on a two-wheeler. In case you are feeling preoccupied or sleepy, choose a mode of public transport.

● Avoid riding in harsh weathers: We strongly recommend you to avoid riding a two-wheeler under hailstorms or heavy rainfall. When you ride in such weather, there are high chances of accidents as the roads are majorly blurry for almost every driver on the road.

● Apply your brakes carefully: Be careful while applying brakes. The sudden application of brakes while the bike is still speeding can cause it to throw the rider off due to inertia. Make sure to apply the brakes only after slowing down.

Some Other ‘Safety’ tools of a responsible rider

A responsible vehicle owner shouldn’t only be riding responsibly but also invest in tools to protect their ride. A good two-wheeler vehicle insurance policy should be the first choice of a smart vehicle owner. Having an acceptable insurance policy for your motorbike is like having a companion that would bear the financial load in case of accidents. Remember, the roads are uncertain, and so are accidents!

Other important safety tips:

● Make judicious use of the rearview mirror to keep track of the traffic

● Do not overtake two big vehicles from between

● Do not over-speed

● Do not overtake a vehicle near a divider

● Use your hands to signal

● Use headlights at night

● In case of slow-moving traffic, make sure to stick to a side

● Maintain a safe distance

● Keep a track of your speed perception

● Make sure to observe the surface of the road ahead

● Wear a jacket and gloves if it’s cold and use your helmet’s windbreaker to keep the wind out of your eyes

As the traditional wisdom goes “it is better to be safe than sorry”.

Conclusion

While these were some comprehensive tips around riding, sometimes, the cause of fatality can be your motorbike itself. Therefore, ensure that you make it a thumb rule to maintain your bike and get it serviced, as and when advised by the service centers.

Besides staying safe on the road and driving responsibly, ensure that you are updated with your Two Wheeler Insurance policy. In a situation when you fail to clear your dues, even the best two wheeler insurance in India won’t have you covered for your financial losses. Lastly, never compromise on the premiums of your motorbike.

Even after the countless campaigns and awareness programs on road safety, the accident rate has not reduced noticeably. India is one of the most accident-prone countries in the world. However, people are still not aware and careful about obeying traffic rules and taking safety measures before driving. Moreover, people refuse to opt for personal accident insurance plans to ensure proper treatment and financial support to their families.

The ultimate solution for road accidents is to maintain your own safety. It is necessary to make yourself conscious first before blaming others. Also, as the accident rate will not reduce drastically overnight, it is recommended to choose a Personal Accident Insurance Plan from all the available options to secure your financial condition after a mishap.

Personal accident insurance plans include all types of financial aids and assistance provided to the injured after an accident. Your treatment will be done properly and your family will get help if you can't generate any income.

The main causes that are responsible for increasing the accident rate rapidly are given below:

● Driving at high speed

● Drinking and driving

● Overtaking other vehicles from the wrong-side

● Not wearing a helmet and not fastening a seatbelt

● Disobeying traffic rules

These are the top 5 reasons for which accidents happen every day. When the causes are identified, it is easy to figure out what we should do to avoid road accidents.

Top Tips to Avoid Road Accidents:

● Control Speed:It has become a trend to drive at high speeds. But every road has a speed limit that you should not cross to stay safe. Also, when there is fog or rain, and the roads are risky, always drive slowly. Strictly avoid overtaking when you are on the highway as a vehicle may come anytime from the other side. So, the foremost condition to stay safe is to control speed and follow the given speed limit.

● Obey Traffic Rules: Traffic rules are there to ensure road safety. If you refuse to obey traffic instructions, then there is a high chance of an accident. Slow down where instructed. Stop when the red signal is on. Use indicator while taking a turn. Let pedestrians cross the road and slow down your vehicle. Control the speed when you see a speed breaker. All these indications, signals, and infrastructures are made for the purpose of maintaining road safety. Thus, you should follow the traffic rules to maintain your safety.

● Don’t Drink and / or Use Cellphone While Driving: Driving needs concentration. Driving while talking on your phone is dangerous. Driving after drinking is equally dangerous. You may not notice the signals and face an accident. You may not only bump into another vehicle but may also hit trees, road dividers, etc. Remember not to drink before driving and also avoid using your cell phone.

● Use Helmet & Seat Belt: Even if you come across an accident, your helmet and seatbelt can minimize the injury. Seatbelts can protect you from suddenly moving from the seat and bumping into something. You stay fixed on the seat and thus, chances of injury reduces. Similarly, in an accident, a helmet can help you to avoid or reduce head injury. Do wear a helmet and fasten your seatbelt according to the vehicle you are driving.

Final Words

Prevention is better than cure! Besides aligning with the precautions, ensure that you opt for personal accident insurance plans to ensure your treatment and minimize the financial strain on your family after an accident. Insurance will ensure this security.

As you age, it's essential to blend in with an active lifestyle to get the most of your life. Interestingly, the thought of an active lifestyle (to a majority of people) is taking up fitness subscriptions. You’ll hardly find individuals determining the ideal health insurance plans in India.

While breaking your sweat at the gym and exercising might do the trick now, it won’t work while your body ages.

Listed below are some of the suggested ways that can help you stay healthy as you age:

● Endorse In Exercises: One of the best ways of keeping yourself active and fit is by endorsing exercises regularly. You can even schedule your activities on an alternate day basis if you're on a rather busy routine. Depending on the health condition you're dealing with, you can plan your workout. For instance, patients with arthritis are suggested low-impact exercises for their legs, and likewise, heart patients are advised to take up aerobic exercises. If you're on a mission to lower your weight, you can take up HIIT workouts that are known to be high in impact and intensity for better weight loss results.

● Invest In A Health Cover: With various Health Insurance plans in India, holding a health cover seems like the best idea to meet unexpected events. You can also get treated for any illness without having to worry about the long-fletched bills. And of course, you can save up on your taxation, which gives you an upper hand in terms of monetary benefits. There are several other benefits that a health cover can give you, based on the policy you choose and the premium you pay. While many just look at it as a type of investment, there is more to it than just that. Holding such an insurance policy is a must to keep your health in check without causing any financial burden.

● Prevent Any Large & Long-Lasting Injuries: One of the essential things to keep in mind is that any extensive injuries caused to you during any incidents are likely to have long-lasting effects. Often, patients with fractures and other joint displacements observe pain that recurs in their old age, especially problems with backbones, etc. What's suggested most often is that prevention and precautions are the best cure. Make sure to look out for slippery floors, adhere to precautions while riding on a bike or other vehicles, and maximize your precautions in every way to enhance your well-being and prevent any long-lasting injuries. Now, you're probably worried and thinking to yourself, 'What can I do in case I get into any such injuries'? There is absolutely nothing to worry about as long as you're covered under medical insurance. Once your injury is inspected and treated by a medical expert, you can further consider physiotherapy for complete healing. And if you've chosen an insurance plan that covers such therapies, then even better!

● Stay Active And Eat Right: Depending on how active you stay throughout your life cycle, you can enjoy the best results in your old-age. The ultimate results are you'll be fitter at an age where people find difficulty even walking around. And we don’t suggest restrictive diet because your body needs all the nutrients. But what's recommended is to keep fried, oily foods, sugars, and such other food items that are likely to harm your body when eaten in excess at a controllable consumption limit.

● Build Your Strength And Balance: Trying muscle strengthening exercises can help you heal faster and grow stronger, rendering your health to be at a favorable stance always. Further, other forms of exercise like cardio can help keep your heart rate in tap and boost your blood circulation. While there are numerous exercises that one can evaluate and take up, building your balance is something that every individual needs to practice. As you grow old, your limbs tend to weaken and that is when your strengthening and balance-oriented exercises comes into practice.

Conclusion

Now that we've analyzed all of the essential aspects that one can put into work to stay fit, you can certainly relish a healthier life through your old age. Remember, you can always be fitter and healthier as long as you're willing to take that extra effort.

What do you think personal accident insurance is? A policy that will take care of your monetary needs if you ever get into an accident or a tool with economic benefit?

Here’s the answer: A personal accident policy is a tool that serves you beyond economic gains. It insures you against death and / or different disabilities, in case of an accident.

In layman’s term, a personal accident insurance policy is a safeguard against any expenses or losses that may incur due to an accident. These expenses can be of the victim or the compensation given to the third party for the losses incurred due to the accident.

Sound important, right? Now that you understand its significance, we’re sure you would want to understand more about how this tool works for you and its benefits. Let’s get started!

What are the types of Personal Accident Policy?

There are two main categories of accidental insurance policy:

a. Individual accident insurance: This policy covers the insurer under circumstances like loss of limbs, vision, or accidental demise of an individual due to accident.

b. Group accident insurance: Group accident insurance is the plan normally offered by organizations to their employees. These insurance claims have limited features and are very basic in nature.

What coverage do you get under this policy?

ccidental Death: A The total sum assured goes to the name of the nominee, in case of accidental death of the policyholder.

Permanent Disability: In case of a permanent disability caused by an accident, the policyholder is entitled to receive a pre-agreed amount.

Permanent Partial Disability: If the accident causes either partial or permanent damage to the insured, the policyholder is entitled to receive 100% benefit of the sum assured.

Temporary Total Disability: If the policyholder meets an accident that causes them to be bedridden for a short span, a pre-agreed amount will be paid to the policyholder.

How does a personal life insurance policy work?

When you buy an accident insurance policy, you will be informed of the procedural aspects of how the claim is to be made for the policy whenever any accident or mishap happens. The procedure explained below is the basic procedure of making claims. There are going to be certain discrepancies in each of the companies’ claim processes. They are not universal.

1. Right after any mishap occurs the first thing you need to do is inform your insurance provider’s customer service. You need to give them the necessary details of the accident.

2. The next thing that will take place is that they will ask for your insurance documents; any family member of yours can provide them. After verifying the documents, the company will immediately carry out an initial inquiry about the accident.

3. They will ask for your claim form after their preliminary inquiry.

4. The rest of the documents like identification, disability certificate (in case of any), next of kin details, etc., are to be submitted to the agent handling your claim.

5. The primary inquiry and scrutiny about the accident are done at this stage. After completing all the paper formalities, the agent conducts a detailed investigation regarding the accident.

6. The final decision of the claim depends on the previous step.

Benefits of personal accident insurance policy-

1. Monetary- Kind of obvious! The major benefit of a personal accident insurance Personal Accident Insurance policy is in monetary terms. This policy covers your hospital expenses to third-party damages. Other perks of having a personal accident insurance policy are disability compensation, vehicle modification, and even family transportation! This is just basic. Truly speaking you cannot even imagine the advantages best personal accident policy in India provides.

2. Psychological- When the personal accident insurance policy covers your huge hospital bills, you are tension-free. Accept it or not! You are relieved at some level, at least psychologically. The perks in monetary terms directly affect the psychological state of the victim and his family.

Final Words

Remember, Insurance policies are not just any decision in your life. It is the decision that will have a huge impact on your as well as your family’s future. Make sure that you choose the option of the best personal accident policy in India. All the best!

In the unfortunate event that someone breaks into your establishment and steals your belongings, the experience can be devastating on a psychological and economic level. Forcible intrusion into a residence or commercial establishment to commit theft is the definition of burglary. If someone tries to break into your home or place, you may be able to recoup some of your losses with burglary insurance.

Why do you need Burglary Insurance?

Under the Home Burglary Insurance policy, you also have the option to purchase additional coverage for high-value items such as diamonds, jewellery, and other valuables.

If a criminal were to break into your place of business and steal valuable items like computers, printers, and other office equipment, you would be protected by burglary insurance. These policies are designed to reimburse you for the loss due to the actions of evil minds. It provides the best possible financial assistance and helps you adjust to such circumstances to recover from the damages.

If thefts from homes and businesses are common in your neighbourhood, you should consider purchasing insurance against theft and burglary.

Essential points to identify needs for burglary insurance.

The primary motivation for purchasing theft protection is to prevent significant financial loss so that your home or business can be secured against the possibility of a break-in.

Crimes like burglaries, thefts, and other similar occurrences frequently make the front pages of newspapers. In today's world, it's irresponsible to abandon your house alone for too long. For this reason, having burglary insurance may be a great relief and a source of pride.

Let's take a look at the scenario when you must protect the homes with a burglary insurance:

● If you must keep the residence unattended for a long time, and there's nobody to look after.

● For those who must depart their homes or businesses for extended periods.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

1. Full value insurance:
This type of insurance gives complete coverage to the property.

2. First loss insurance:
Under this plan, a certain percentage of the property gets insured rather than total protection. The policyholder must opt for this when there is less probability of total loss.

3. Stock declaration insurance:
Under this plan, the policyholder must estimate the highest stock value during a financial year. And the said amount will be the sum assured. In the case of stock fluctuations, this plan is beneficial.

Burglary and theft insurance are not the same. Illegal possession of assets, intending to infiltrate closed establishments forcibly (armed robbery), and theft by violence/ persuasive/ vicious entry are covered under burglary insurance.

On the other hand, theft insurance includes comprehensive coverage of stealing activities. Most types of insurance, including those for automobiles, homes, and even health insurance, provide coverage against burglary, which widely falls under general insurance India. Crime insurance endorsements can also be added to your policy to increase your protection against theft and burglary. Get acquainted with all the necessary information about a burglary insurance policy for your home or workplace safety. The criminal act of a few minutes can adversely affect your hard-earned happiness. Don’t let this happen, and buy reliable burglary insurance today!

Click HERE to know more about general insurance India.

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.

India’s cultural diversity is like no other nations. With every few sq. km, you can experience a new language, culture, values, and most importantly - food! While everything else changes, the warmth of the people of India stays unchanged. Every region organises different fairs that celebrate their culture and religion.

These fairs are essential to the cultural identity of different regions. They also provide great entertainment for tourists and boost tourism in these areas. These traditional fairs make for great family vacations where tourists can enjoy the rich heritage and different customs unknown to them.

While these cultural fairs are great for vacations, they also bring along the risk of being exposed to new environments, activities, and the potential risks of accidents. You must purchase travel insurance from a general insurance company to protect yourself and your family against such incidents.

After ensuring that you have an active travel insurance policy, you are all set to explore these famous cultural fairs to learn more about the cultural integrity of India.

1. Jaipur Literature Festival:
The Jaipur Literature Festival is a unique celebration held over five days that promotes literature, ideas, and discourse from eminent authors. It is the world’s largest free literary festival that provides a platform for intellectual discussions and for local artisans to showcase their handicrafts. The music stage is another attraction that draws massive crowds and provides a stage for up-and-coming local artists.

2. Uttarayan Festival:
The International Kite Festival, held in multiple cities of Gujarat like Ahmedabad, Rajkot, and Surat, draws people from all across the world. The Kite Festival begins in Uttarayan, similar to the Uttarayani Festival, which celebrates the approaching harvest season. The festival features regional Gujarati delicacies enjoyed by thousands of fairgoers.

3. Hornbill Festival:
The indigenous people of Nagaland celebrate the Hornbill Fest. The state government organises it to promote harmony amongst various tribes and protect their culture. Held in Kisama, the festival displays the varied traditions and arts of tribes.
A music festival and rock contest are also held during the same period attracting many tourists. Visiting the festival provides insight into the Naga arts, sports, music, food, culture, handicrafts, and more.

4. Rann Utsav:
Rann Utsav is celebrated in the Rann of Kutch, Gujarat. The white desert festival lasts over four months and celebrates artisans, folk dance and music, traditional handicrafts, and culture. It provides a great boost to the economy and engages visitors in a plethora of activities that keep them busy throughout their stay. The unique feature of this fair is the provision of luxurious campsites that keep visitors satisfied without compromising on luxury while enjoying the culture of Kutch.

5. Kumbh Mela:
Celebrated four times over a cycle of 12 years, the Kumbh Mela is the biggest fair organised in India. The site of the fair changes every time it occurs. The Mela at Prayag attracts the most pilgrims of the four sites. If you wish to experience religion and unified diversity, Kumbh Mela is the perfect fair to do so. The visitors to the fair come from different walks of life and come together to stay true to their religious beliefs.

6. Baisakhi Mela:
Baisakhi is the festival that celebrates the onset of spring. Similar to Makar Sankranti, it is celebrated in the state of Punjab, which is a primarily agricultural state. It marks the beginning of the Sikh New Year and begins with a round of prayers in the morning at the local Gurudwara. Langar, Bhangra, and Gidda usually follow throughout the day. The Baisakhi Mela also includes stalls set up by local artisans and local performing artists where you can enjoy the traditional vibe of Punjab.

Each region celebrates festivals differently and has its unique charm. While some are lively, others are more focused on culture and traditions. Experiencing the cultures of different regions is an unmissable opportunity that must be taken with care. The best way to do so is by purchasing an insurance policy from a general insurance company that keeps you and your family safe throughout your trip.

Click HERE to buy general insurance to keep you protected on your next trip.

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.

Are you someone who loves visiting new places? Many of us love to treasure those memories we create on our vacation. As much as it feels tempting to capture moments, we can't brush off the mess of problems that come with travelling. From exploring the best sightseeing to learning more about the history and culture of a place, it can be daunting for travellers, especially firsttime visitors.

This can impact the fun of travelling as you might miss out on the best experiences on your trip due to incomplete knowledge about that place. And this is where the local guide comes into the frame, as no one other than them knows best about the local excursions of a destination.

First things first, local savvy guides are those who give homely experience even in unfamiliar places. Let's see how hiring a local guide when travelling to new places can make your trip memorable.

1. Hassle-free:
It can be challenging at times to explore the streets while visiting places. You don't know what to speak and often get lost in the big crowds. Private local guides make it hasslefree, giving you tidbits of inside information. In this nuanced world, they help you with dinner reservations, vehicles, hotel bookings, etc. No one can beat them when it comes to their places. So, no language barriers anymore!

2. Personalised tours:
Local tour guides know the places like the back of their hand. So, keeping your best interests in mind, they curate some of the top itineraries for you to take part. You would have missed many of these off-the-beaten-path spots otherwise. Even if you miss a booking, your tour guide is your lifeline. They can manage last-minute bookings and make your journey convenient.

3. Time and cost efficient:
You can vouch that despite the internet, we are not informed about a plethora of destinations. We are unaware of proper timings, directions, etc. With local contacts and tricks under their sleeves, local guides can make you skip the lines, book restaurants, give in-depth knowledge of places, and much more than you think. This reduces costs and time since you don't have to go for intermediaries for every trivial aspect.

4. Educate and engage:
Local tour guides are not just local people taking you through the city. They are highly educated, specifically in the areas of architecture, cuisine, history, and art. They are trained in many areas, from entertaining kids to catering to adults throughout the tours. They make travel more exciting and enjoyable. Their expertise makes complex destinations easy to navigate through. A tour guide is a must when you go sightseeing as everything seems different from their perspective.

*Important note:
When you visit a new country, you risk getting lost or, worse, might run into accidents. Safety should be at the forefront at all times. So, it is always recommended to purchase the best general insurance India. A general insurance policy covers the unanticipated costs and ensures your travel safety. These costs include misplaced checked-in baggage, lost connecting flights, missed passports, etc.

At the bare bones of it, travel guides are beneficial, especially in a crowd full of unfamiliar faces. So, no more hustle to find the best travel places, food destinations, etc. Your travel guide will make your journey exciting by adding traditions and historical information brimming in the amazing destinations.

Next time you visit any new destination, ensure to hire a local guide to savour the best local experiences that are sublime and enticing. Vacations are one of the best stress busters. Make the best use of resources to make your holiday unforgettable.

Click HERE to buy general insurance India before your next trip.

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.

A home-based business is crucial when we do not have a formal business setup but have a strong business idea and are motivated enough to go for it. We should not fear starting such a business. Who knows, going down the years, our idea blooms into a big business and takes us up through the success lane.

However, we need to be passionate about our ideas and ensure our commitment to them. Always be open to failures and struggles, and be determined to race your way through all the hardships, and success will be yours!

Are you motivated to get started with your home-based business? Here's a step-by-step guide to help you design the roadmap of your business most effectively.

1. Talent assessment:
Assessing our strengths and talents is one of the key things we need to do at the start. Brainstorm what talents you have that you can implement in your business. Improvise the idea according to your skills, prepare a chart mentioning your weaknesses and areas that require improvements. Start working on them so that they do not act as a hindrance in your business venture.

2. Assess product/service feasibility:
The next step is to assess whether the product or service you want to sell has substantial market potential or not. An idea without good market potential can lead to failure and investment loss. Identify your target customers and markets. You need to assess whether your business idea can be executed successfully from your home or not. For example, you cannot start a manufacturing unit at home. You need to figure out these things before planning to bring your business into the market.

3. Pricing and cost assessment:
Once you have a clear product or service that you want to offer in mind, assess how much it will cost you to make or acquire it. This is especially important in case we plan to sell a product. Find out the cheapest available source for that product. Once you have the cost idea, survey the pricing at which the product sells in the market. Don't miss out on counting the overhead costs as well, such as electricity bills, maintenance, repairs, breakages, and the cost of manpower if you need to hire. Add them to the product's cost price to arrive at a fair selling price. The pricing should be lower than other similar products in the market. Your product and brand are new, and you must penetrate the market with competitive pricing. Do a similar exercise in case you plan to offer a service. Remember, correct pricing can make or break your business.

4. Finances:
Figure out your sources of finance for your business idea. If you have sufficient funds to start with, there is nothing better than it. In case you are looking for a loan from a bank or a financial institution, draw up a project report which you can present to the bank for financing. Always plan for working capital and emergency funds well in advance. A business idea will fail if it is not backed by proper financing.

5. Implementation:
Once you have the above points in place, implement your plan. Be serious about your implementation process from the very first day. Mark and maintain a separate work area for yourself at home. Create a positive work environment using the appropriate setup, furniture, lighting, and equipment. Make sure that you keep your costs low initially; else, you will run out of cash soon. Maintain a strict work schedule; otherwise, your daily household work will take over, and you will deviate from your implementation plan.

6. Build a team and give wings to your dreams:
It is time to build a team of like-minded people who can take your business to new heights. Hire or partner with talent, explore and target newer markets and customers, and expand.

Your home is the basis for the implementation of your new business idea. Keep it safe and secure by choosing the best home insurance policy. Get a general insurance online quote and look for the home insurance plan that best suits your requirements and budget. Any damage to your house can shatter your home-based business idea. Don't let that happen, and get your home insured today.

Click HERE to buy or renew your home 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.

Who doesn’t love a private swimming pool? People of all ages have the time of their lives in the pool. You can go swimming, have floating meals, spend quality time with your loved ones, organise pool parties, and so much more. Building a swimming pool on your own house’s premises is an alluring deal. But as amazing as it sounds, there are multiple things you need to consider before you start constructing your pool.

What factors need to be considered before and during the pool construction process? Are there different types of pools? If so, which would be the best fit for your house? This blog will discuss all the answers to the above questions and much more.

1. Be thoroughly educated about the local laws and regulations:
You need to make sure that you are aware of the local municipal corporation laws and the rules of such types of construction, as many cities and states have different sets of rules that you need to comply with. You need to check in with the authorities and the designated officials to ensure that you do not violate the terms and end up in trouble for the same.

2. Determine the reason for the construction of the pool:
You need to make sure that you are clear about the reason behind building the swimming pool. Is it for exercise or pleasure? Which set of people would use the pool more- children or adults? Suppose it is children that you are focusing on while constructing the pool. In that case, you have to ensure that the depth is not more than 1.5 ft, and if it is for adults, then not more than 4 ft (the guidelines regarding these measurements might vary), according to the safety purposes.

3. Types of pools and which one do you want:
Fibreglass, vinyl-lined, and concrete are the three significant categories of in-ground swimming pools can be classified into. Fibreglass pools have fewer varieties in shapes and sizes, which can be difficult in case you want to construct a pool in your backyard or some area within your premises that would require multiple customisations. In cooler regions, fibreglass and vinyl-lined pools are preferred over concrete pools due to their flexibility.

4. What would be the ideal location for a pool:
It would be best to consider multiple factors before finalising where to construct the pool. These include more sun exposure and fewer trees to avoid getting leaves into the pool and eliminate contamination risks. Otherwise, you will have to spend the entire day cleaning and filling up the pool due to dirt and debris in case of heavy rains or winds. Steer clear of any electrical pipeline, wires, sewers, etc., above or underneath the pool to avoid any risks of shocks. Lastly, the pool must be in the visible range within your premises so you can quickly check on the people in the pool or if there are any other potentially dangerous factors.

Other factors that you need to take care of are filtration techniques that would suit your pool and fit your budget optimally, pool sanitisers, the budget, and the type of workers you might need for the process safety gears and protocols, etc.

Know how you can build a swimming pool in your house? Well, now you do. Beautifying your house and upgrading it by installing various entertainment sources helps you create the home you have always dreamt of. It is a massive part of building memories. But apart from the entire up-gradation and decoration process, you must ensure that your sweet abode stays secure against any damages. Apart from investing in pool construction, it would be best if you also considered buying home insurance. Buy best home insurance online India to make the purchase hassle-free. You can get instant solutions for all your queries and good customer satisfaction while making claims or paying premiums through the online portal.

Click HERE to learn more about how you can buy home insurance online India.

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.

Sustainable living has different definitions for different people. It ensures that your lifestyle incorporates the three R's-reduce, reuse, and recycle, which eventually helps build a better environment, help with climate change, and develop a culture of harmony and mindfulness while going about your daily schedule.

There are several aspects to sustainable living, which include better alternatives to the material of everyday objects, energy efficiency, promoting the greens, veganism, saving resources, proper garbage disposal, repurposing ideas, opting for eco-friendly methods, conserving rainwater, and many more.

But how can one opt for sustainable living at home? Is it expensive? How can you make your switch towards sustainability? This blog will help you explore everything about sustainable living at home.

1. Replace your light bulbs:
Check the light bulbs around your house. You might be using the traditional bulbs, which consume higher energy to provide a low output level. Switching to low-energy-consuming light bulbs helps you in saving five times the energy consumed by regular bulbs for a high source of brightness.
They last longer, thus allowing you to reduce the costs of constant changes and replacements and help you save big bucks! All in all, you get a much better deal with these Compact Fluorescent Lamps (CFLs).

2. Turn off those lights:
Often, our family members (not to exclude ourselves) do not have the habit of switching off the light, fans, and other electrical appliances when leaving the room. This is something that we need to be mindful of. There may be a lack of understanding of the gravity of wastage of resources when you leave all the lights on.
Still, it takes considerable non-renewable resources to generate the power to keep those electrical appliances running. Sustainable living promotes energy conservation at the top of its list. And along with the earthy resources, you also save a lot of money when you switch off those lights when not in use!

3. Get that vitamin D:
Our lifestyles have started revolving around our corners of the house where we seldom take an opportunity to go out in the sun. But as much as our body needs that vitamin D, sunlight is one of the best light sources, which can liven up your premises. You can rearrange the furniture set up of your house to enhance the impact of sunlight passing through your doors and windows.

4. Be mindful of the garbage disposal:
We might not grasp the weightage of segregated garbage disposal, but it is essential to dispose of the waste of your house categorically biodegradable and non-biodegradable. These can be turned into compost and manure for the healthy growth of vegetation or recycled as per the best waste management process.

5. Cannot miss the solar energy:
You need to install solar panels and water heaters in your house to take complete advantage of the heat and light coming from the sun. This will help you replenish the energy and consume it mindfully. This way, you can contribute to conserving the non-renewable resources we use today for power generation. You will also see a significant drop in your electricity bills.

Some other tips for sustainable living include finding better alternatives to paper towels, avoiding the usage of artificial fragrances, using eco-friendly cleaning detergents, using efficient brushes for washing your dishes so that you can efficiently clean them without wasting water, etc.

Upgrading your lifestyle for the better and in more mindful ways can be a difficult start but will be worthwhile in the end. Your home can get the switch it needs. And while you transform your way of living, it is equally essential that you protect your abode, which treasures all your memories and provides you with the warmth and comfort you need. To accomplish this, you must purchase home insurance from the best home insurance company in India to avail all the benefits in case of unforeseeable circumstances.

Click HERE to know more about the benefits of buying insurance from the best home insurance company in India.

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.

The terms and conditions of insurance policies might get a little confusing for an average person to understand. The technical language of the information presented can take some time to get acquainted with, which is why the insurance companies send their officials or agents to help you navigate the entire process and have digital services and chat assistants available for help 24*7. While the customers have an idea about what the home insurance usually provides coverage for and their intent of purchase, there are certain things they might be unaware of.

Do you have a complete idea of the type of coverage home insurance provides? What are some of the strangest things you might be able to secure under the insurance? If you have these questions, don’t worry. Following are a few weird things that your home insurance covers. Let’s discuss.

1. If a plane crashes:
Difficult to believe, right? The rarest of the rare cases is if a plane crashes into your house. But yes, your home insurance does cover the damages that might be caused due to a plane crashing into your house. Any objects falling from the sky which can potentially cause severe damage to your home are covered under your home insurance. Although, you need to make sure that you cross-check these details with your insurance provider.

2. Destructive riots:
Riots can take a destructive route when they rise to a huge scale. In such cases, sometimes the parties involved in the riots and those trying to control the outrage get into a defensive mode and cause mass destruction of properties. If there are any damages to your house during the riots, your home insurance provides coverage for that.

3. What if your pet bites someone:
Your home insurance might cover the cost of the treatment in case your pet bites someone within the perimeters of your house. Despite this, you might have to stay prepared if the person who got bit sues you, but you can stay assured of the coverage of those hospital bills.

4. Wild animals are also on this list:
This is for residents who usually have wild animals roaming around. Although humans and animals have become accustomed to their way around each other, you never know when the wild beings get agitated and, therefore, can trigger the possibility of a stampede.
In such situations, if there is any damage due to the stampede, your home insurance also provides coverage. But ensure to check the details carefully as some animals might be left out of this benefit (for example, rodents, possums, etc.).

5. Be careful about the parties you throw:
Some home insurances might cover the cost of damages caused during the parties organised in your house. Your insurance might cover these damages, but you might end up in trouble if someone gets injured. Check-in with your home insurance provider to ensure that the damages incurred during parties are covered under your policy.

Some other weird things covered under your home insurance include theft of cover identification, damage due to meteors, etc. And in the interest of protecting your home and your family against damages incurred due to unfortunate circumstances, you must get the best home insurance policy in India. Your home is not just a space where you live; it carries an important place in your life.

It is a place you return to after a long day at work, comforts you during the sad times, houses the best memories, and provides your family a safe zone where they can stay and create their own lives. Therefore, you must get the best home insurance policy that caters to your needs in the best ways possible.

Click HERE to know more about the benefits of buying the best home insurance policy in India.

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.

Every legitimate and eligible citizen of India is supposed to pay Income Tax regularly within the specified time limit as per the government regulations and norms. The taxable amount is based on an individual’s annual earnings. There are different tax and income slabs defined respectively by the Indian government. One must consider their earnings and calculate their taxes accordingly. These taxes are righteously used for the benefit and progress of the country.

But amidst all these details, were you aware that insurance, apart from protecting you and your assets against various risks, also is a substantial tax-saving benefit? This important question may give you a broader perspective on the insurance and tax-paying correlation. We have all the information you will need to understand the perks of insurance and how it can be a tax-saving choice. Let’s dive deeper into the facts!

Which policies help you fetch tax benefits?

Insurance options that will help you avail of full benefits along with tax-saving options include:
● Retirement plans and policies
● Health insurance policies
● ULIPs-Unit Linked Insurance Policies

All these insurance policies can be categorised under similar yet slightly different sections of the Income Tax Act regulated by the Government of India.

Understanding the tax deductions.

Various types of deductions can influence the tax benefits you can get on your health insurance. Let’s understand what 80C and 80D tax deductions are. Tax deduction can be claimed on your taxable income on premiums valuing around Rs. 1.5 lacs.

These premiums are supposed to be paid for insurance policies in your name, spouse’s name, or your children’s/child’s name/names. If you are someone who has paid their premiums, you can avail of 80C and 80D tax deductions annually.

The 80D deduction.

The 80D deduction dictates that if you have a health insurance policy in your name or the names of your spouse and children, the tax-deductible income can be Rs 25,000 on the insurance premiums.

According to section 80D, there are various other prospects for this deduction, but we will now consider this information to discuss the tax benefits further.

The 80C deduction.

According to section 80C of the Income Tax Act, the tax-deductible you can claim is worth Rs 1.5 lacs of insurance premiums. If you purchase a single premium policy, you can only claim the tax benefits under section 80C of the Income Tax Act.

Under section 80D, if you have a health insurance policy under your name along with a dependent with the minimum age of 60, you can claim a tax deductible on the dependent’s health insurance.

Protecting your financial assets against unprecedented situations and getting compensation for your financial losses is essential. Times can be very unpredictable, and you might never know when you will need a lot of money. Exhausting your savings is not a wise option here. You need to think beyond and try to avoid burning a hole in your pocket.

While being mindful of your expenses and determining a budget is one of the top solutions here, insurance is another way you can stay secure about your assets. It is vital to purchase the right general insurance after exploring the market and determining the one that can cater to your needs in the best way possible.

Click HERE to know more about general 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.

Plastic bags have become a necessary evil in today's day and age. Everything from the packaging of everyday items to utensils, we have seen a massive increase in plastic usage across households. However, plastic has dire effects on the environment. Polluted rivers, channel blockage, pollution, and animal choking are some of plastic's environmental hazards.
Looking at the various damaging implications of plastic usage, activists and other environmentalists have raised their voices against the excess and single use of plastics.

In response, many governments have banned the manufacturing and usage of plastic. Even after the ban on single-use plastic, the complete absence of plastic is impractical. The ease and efficiency of plastic packaging are seldom matched by anything else. This makes plastic an almost irreplaceable part of our lives.

But if you are a responsible human being and want to make a small contribution to the environment, this article will help you reduce plastic waste in your home.

1. Use jute or cotton bags:
Plastic is one of the most convenient options when it comes to shopping. Opting for a plastic bag at the counter is more convenient than carrying cloth bags. By carrying your bags, you are not only saving the environment, but you are also avoiding the excess charge levied on plastic bags. Cloth bags or jute bags are better alternatives to plastic bags. They are reusable, washable, and durable. Consider carrying your carry bags for your next grocery run.

2. Avoid plastic utensils:
Want to carry a tiffin to your office or college? Are you reaching out for the fancy plastic containers? Then you need to reconsider your choice. Plastic utensils such as lunchboxes and water bottles release toxic chemicals into the food, and when consumed, these can cause serious health issues like cancer and heart problems. Storing food in plastic containers can have dire health effects on your body and affect the food's composition.
It is best to opt for steel tiffin to keep your food fresh for longer. People also use microwavable plastic dishes to reheat their food. This can be highly toxic. Switch out the plastic vessels for glass containers. Instead of storing the spices and pulses in plastic boxes, reuse the glass containers you already have. Various pickles, jams, and oils come stored in glass packaging. Remove the sticker and reuse it. This helps you save money and keep yourself and your family healthy.

3. Replace your bathroom essentials:
There are many options available in the market that are more eco-friendly. Opt for locally sourced soap and shampoo bars instead of purchasing a new bottle. Buy refill packs for handwashes and invest in ceramic soap dispensers instead of plastic bottles. Choose wooden toothbrushes and combs as these are eco-friendly and healthier options for your teeth and hair.

4. Change your grocery habits:
People find it more convenient to buy packaged food, be it fruits and vegetables or meat and other farm products. Most of these packaged foods are frozen and lose their nutritional value after some time. Instead, explore your nearest local markets and buy fruits and vegetables from local vendors. By doing this, you are helping the locals while reducing plastic use.

These are some ways in which you can ensure that your home reduces the use of plastic. Being mindful is a small step towards making the planet a better place for your children and the future generations to come.

The above measures can help your home get rid of plastic, but have you considered its safety? Safety is paramount, and when it comes to assets like home, then it is a necessity. To add more value to your homes, invest in home insurance India. Home insurance is a safety net against any expenses incurred due to damage, theft, and other accidents. In case of any mishap, you can be assured that your insurer can make up for your expenses and loss.

Click HERE to know more about home insurance India.

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.

With today's working culture and daily hustle, travel is one way to unwind and relieve stress. Considering the various travel destinations and experiences, it is no surprise that people want to leave the comfort of their homes at least once a year to explore exotic places. However, you must have faced instances where you have fallen prey to common ailments on a trip, ruining your whole stay while your loved ones had the time of their lives.

It is very taxing to hunt for medicines in a place where you don't know the language and are a stranger. So, it is wise to make a medical kit where you keep medications for the most common ailments. This blog gives you a list of medicines you must consider carrying on a trip.

1. Antacid:
With a new, exotic cuisine to try, no one plans to walk around the trip with a stomach burn from acidity. So, an antacid is extremely important to carry on a trip to remain tension-free about all the new food you will savour.

2. Diarrhoea medicine:
Travellers often visit new and exciting places in remote areas to absorb fresh perspectives and quaint experiences. However, they face health issues while adapting to the food and water in these unfamiliar regions, creating an uncomfortable situation with diarrhoea. Carry anti-diarrhoea medicine in all of your travels to get rid of this problem.

3. Fever medication:
No tourist wants to lie in bed with a headache and fever instead of exploring a place's attractions, cultures, and heritage. Take a paracetamol pill and get going with your day as a quick fix to a jet lag-induced headache or joint pain.

4. Cough syrup:
Cough syrups are essential while going on a trip. No one likes a scratchy and congested throat while moving around the city, asking for directions, or ordering food. It's best to take one that does not make you sleepy to enjoy your trip to the maximum.

5. Laxative:
With all the new types of food you will be trying out, it's best to keep a laxative handy for the trip to avoid any complications with your digestive system.

6. Diabetic supplies, including insulin:
If you have diabetes, ensure to take all the medicines prescribed by your doctor along with you. It's best to make a separate package for all your medication for diabetes. If you take insulin subcutaneously, it is best to store it in a cold place.

7. Motion sickness medication:
Motion sickness is a problem that ails the majority of travellers. Take some over-the-counter medication with you just in case it decides to make an appearance.

8. Antihistamines:
Allergies can spring up on you at the worst of times, leaving you with itchy eyes and a scratchy throat. It's better to be safe than sorry and pack mild histamine for these issues.

9. Sleeping pills/mild sedative:
If you have trouble falling asleep in new places, consider taking some mild sedatives with you just in case. Ending up sleep deprived on a trip certainly reduces the magic of it, so it's best to have your beauty sleep and be active during the day.

Sickness during a trip is highly uncomfortable and can significantly spoil the trip's fun. And there might be complications that can leave everyone frustrated. Carry the medicines above with you and avoid health ailments affecting your vacation.

These were a few ways to keep your health sound, but what about the safety of your belongings during travelling? It's best to research travel insurance and get general insurance online quote to be stress-free during the trip and protect your travel with the best protection.

Click HERE to know more about general insurance online quote.

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.

Cycling is not just a sport. It is also one of the healthiest habits one can develop, to keep one's mind and body in good shape. It's no wonder that cycling is a prevalent pastime among people after all these advantages. This way of travel is steadily gaining popularity among people of the new generation.

It is also a feeling that gives us nostalgic moments from our childhood. Cycling is an excellent way to spend time with yourself. Who doesn't want to cycle through the beautiful, frosty Himalayas, Meghalaya's lush green forests, or Udaipur's rich cultural city?

This blog has curated the perfect list of cycling tours in India to give you information on planning your next cycling trip!

1. Mangalore to Goa:
This scenic stretch of road along the coast of the Arabian Sea is one of the most breath-taking sites to see in the world. The quaint villages of the south will amaze you with the beauty in their simplicity, the waterfalls, temples, and national parks in the area are a bonus. Don't stop when you reach Goa. Visit all the key tourist sites on your bicycle to get the full experience of the trip.
This 350-kilometre trip might seem difficult, but with the right company for motivation, it will prove to be one of the best experiences of your life. This trip, on average, takes 06 days to complete.

2. Puducherry:
Going further south, there's nothing like cycling through the picturesque city of Puducherry (formerly known as Pondicherry). Dotted with the best of the post-colonial architecture of the French, this vibrant city has beautiful cathedrals, coffee shops, and, most importantly, the famed town of Auroville. Don't forget to book your ticket to Auroville in advance to gain a different perspective on spirituality in this renowned town of devotees from all around the globe.

3. Manali to Leh:
The stretch between Manali and Leh is the perfect route if you're looking for more of a challenge and less of a holiday. This endurance test will give you one of the most life-altering experiences. Manali is a charming city, popular among nature and adventure lovers alike. The way to Leh is the famed Rohtang Pass, at an altitude of 13000 feet. The majestic mountains and the scenic lakes are something to experience once in a lifetime. It is imperative to know that this trip pushes your limits and will require your full physical fitness. These are difficult roads to take, and it is best to research general insurance companies in India before planning your trip.

4. Shillong to Cherrapunji:
Moving to the beautiful northeast, Meghalaya is a mesmerising monsoon destination. With the drizzling rain pattering on the rich flora and fauna of the forests, it's a nature lover's dream come true. Meghalaya is a gorgeous yet primarily unexplored part of the northeast that should be on every cyclist's list. It is the perfect ride for the curious traveller with bountiful greenery and terrains. This 60-km journey might be difficult, but it is worth.

These cycling trips will surely be enjoyable and eye-opening experiences for individuals. It is worth riding up the hills, the jungles, and the cities' interiors. Before hopping on the seat, it is essential to wear all necessary safety gear like helmet, knee and elbow guards, and most importantly, do the servicing and maintenance of your bicycle.

It is stressful when there is uncertainty of an accident. Research the best general insurance companies in India for buying a travel insurance cover to stay protected and enjoy your trip without any worries of mishaps. You are now all set to get the wheels moving.

Click HERE to know more about general insurance companies in India.

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.

It is highly inconvenient to face water leakage in the home, be it a major one like a burst pipe or a steady drip from the tap. If not controlled in time, water leakage is expensive damage to deal with at home. It can waste gallons of water, but the maximum damage occurs if water seeps into the ceiling and destroys the walls and the paint job.

Our homes even face significant damage due to water leakage during monsoon. Heavy rainfall leads to leakages that get frustrating over time. This blog provides practical ways to deal with such leakages at home before calling an expert.

How to prevent a water leak:

Prevention is always better than cure. A few annual regular check-ups can prevent the hole in your pocket. Keeping this in mind, here are a few ways to check-up on your water pipes and supply to avoid massive repair work.

1. Keep your spidey senses on and feel around your home for areas with moisture or mould that might leak the plumbing. Inspect the most vulnerable parts of your home, including the roof and the walls, to check for any dampness.

2. The pipes exposed to the elements should be adequately insulated to prevent their material from eroding. Insulating material comes cheap, so this method is highly cost-effective.

3. A stopcock can stem the flow of the water supply around the house. Make sure to know the exact location of your stopcock to prevent flooding in the house due to a sudden burst pipe.

4. Install a water leak detection device at home.

Know how you can detect a leak:

To fix a water leak, you need to accept and inspect that it’s happening. The easiest way to check up on your plumbing is to check your water usage. If it has significantly increased, there might be a probability of a water leak. If this method seems too unsure for you, you can turn on the water supply without using water for an extended amount of time, say 02 to 03 hours and check if any water has been consumed. This is a sure sign that there is a leakage somewhere.

Ways to fix the water leak:

1. Turning off the water supply: The first step to prevent further damage to your home is to stop the water supply to the house and perform a thorough inspection.

2. Turning on the faucets to drain: If there is a significant leak in the house, the next best step is to drain all the water in the pipes and faucets. Start with the garden hose if you have one, and let the water run out.

3. Locate the problematic area: Go around the house checking for leakage, whether major or minor, and get it fixed.

4. Applying epoxy putty: Before this step, it is essential to wear latex gloves to protect your hands because hot epoxy putty can end up burning them. Epoxy putty is readily available in all hardware stores and can be a temporary fix to a leakage. Mound the epoxy putty well and apply a generous layer over the leaking pipe or tap.

Although epoxy putty is a helpful fix to many problems, it is ultimately beneficial if you can get a professional to fix this issue. If it’s a major plumbing problem, it might damage the ceiling or walls and can be extremely expensive to repair. Reliable house insurance India is always the best way to prevent these expenses from emptying your wallet. You cannot risk your belongings at the cost of water damage. Invest in the best house insurance and get advantages that will help you reap good returns on your investment.

Click HERE to know more about house insurance India.

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.

Data is considered to be the goldmine in today’s day and age. When appropriately utilised, it is one of the most critical resources that can provide great insights regarding several aspects of industries, consumers, products and services, and much more. The demand for data analysts, cloud computing, machine learning, and data science experts is very high among the top skills organisations for several critical roles related to data. This helps them understand the market and current data to curate future projections about their businesses and associated clients.

Data analytics is the most up-and-coming field across all sectors of industries. Companies are investing tons of money, resources, technology, and workforce in analysing relevant data across various platforms. Through this blog, let’s understand how data and analytics are shaping the future of insurance.

1. Understanding predictive analytics:
We all make predictions about specific things based on the facts we have in hand or the experience from similar situations we might have been through. Similarly, insurance companies use predictive analytics as an integral method to predict patterns and trajectories regarding various parameters. Predictive analysis is an umbrella term comprising multiple methods like data mining, statistical analysis, data configuration, predictive modelling, artificial intelligence, machine learning, etc. These techniques help the insurance companies generate reports that would then provide analysis and information about several risks, policies, consumer behaviour, and future revenue and business projections.

2. How to make sure that your “flight-risk” consumers stay:
Insurance companies try to identify consumers with immediate cancellation tendencies, high premium possibilities, or lower coverage. These potential customers require special attention and care from the insurers to convert or stay their customers.
Data and analytics reports can help insurance organisations identify the areas of concern that need attention and how the services can be improved from the consumers’ perspective. Advanced insights, reports, and patterns can help insurance companies analyse the pain points and friction between the organisations and the customers. This aids them in making the improvements and offering the best deals for their customers, which won’t be a loss-making situation for the company.

3. Personalisation is the key:
Customers want services and products tailored according to their demands and the trends in the current market. Making the services more consumer-focused helps the insurance companies eliminate the competition and gain more customers.
Personalisation is directly related to consumer loyalty which benefits organisations greatly in the long-term projections. Customer retention costs are pretty less compared to the expenses of customer acquisition. Fewer businesses and brands focus on customer retention and implement marketing gimmicks but don’t get desired results. Personalisation is the answer to your customer retention and consumer loyalty equation here. Data analytics help you identify the red flags when rating the customer satisfaction provided by your insurance company. This allows the insurers to understand the market trends, how consumer demands are changing, and how they can bring their services up to the mark. The red flags can turn green based on the current reports, the future projections, and the options and techniques which can be implemented to achieve the targets and results.

Other ways in which data and analytics are revolutionising the insurance market include fraud detection, risk and mitigation measures, managing workforces, determining premiums and dealing with insurance claims, and much more.

Customers are advised to purchase GENERAL INSURANCE to ensure their financial assets are protected, and they can earn some profit even during financial losses. You can explore all your options and determine a general insurance company with high market credibility, attractive premiums, and an excellent claim settlement ratio.

Click HERE to know more about how you can find your ideal general insurance company.

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.

Using your private property for commercial purposes may seem like a fantastic way to grow your business if you have an office at home. It has been common practice to convert a residential property for commercial use to increase income. However, housing societies usually don't appreciate it when a whole residential unit is used for business.

Owners are permitted to use a portion of the property for commercial purposes. However, there are several restrictions and legislations that you must be aware of to use your apartment as an office space. In addition, getting the best home insurance policy in India can help you save money when you rent or buy a business space.

Is there a regulation in India that governs how residential property is used and rented out?
Across Indian cities, the zoning law is enacted by the local municipal government or authorities. It governs the use and allocation of land to different services and purposes. According to the legislation, commercial activity should be kept out of residential areas for the benefit of residents and to encourage the growth of the proper commercial regions.

What exactly does the law state?
It is essential to note that different states have different levels of leniency when it comes to commercial use. In some states, professional service providers such as doctors, lawyers, and chartered accountants are permitted to use up to 30% of their homes for business purposes. But in other states, they are not.

Before converting a residential property into commercial space, ensure that it's permitted. You must get clearance from the local housing authority. Once a property has been officially considered for retail space, it will be regarded as such for all purposes, including paying a higher property tax rate than a residential property.

Things to keep in mind when turning a residential property into a place of work.
Commercial activity is any activity related to the buying and selling of merchandise. Most housing societies allow the operation of businesses such as professions, services, and the teaching of specific art forms.
Activities such as yoga classes, tuition classes, or the services of chartered accountants, doctors, and lawyers are not considered as commercial activities. Commercial activity within residential properties may not be authorised due to security concerns as they create a significant traffic hazard for the neighbourhood.

For those who are willing to use their home for commercial purposes, here are a few considerations to bear in mind:

1. Before making an application, make sure you know exactly how much space you'll need and what kind of business you want to start.

2. Obtain a permit to operate a business from the local municipality.

3. Ensure that your clients are not using communal spaces such as the parking lot or other amenities.

4. If your home is turned into a business, you may have to pay more property taxes.

Many people find that running a business from home is an excellent way to save money since the cost of rent and transportation are significantly reduced.

Before starting a business in a residential space, get approval from the housing society, local councils, and zoning authorities. Also, get the best home insurance policy in India so that you can keep your apartment safe as you turn it into a business.

Click HERE to get the best home insurance policy in India.

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.

Owning your own home is an extensive process. You explore hundreds of houses, put a lot of thought into remodelling and painting, and invest a ton of money in furniture and appliances that match your home's feel.

The walls of your house hugely contribute to the decoration and the aesthetic you want to create. They bring out the vibe you want your home to radiate. And while you can do many things to decorate your walls like hanging art, using textured paints and patterns, adorning them with home decor items, etc., a recent trend of adhesive wallpapers has garnered people's attention.

Adhesive wallpapers are easily accessible, come in various designs and colours and embellish the decoration of your home within a friendly budget. But applying these wallpapers can be a tricky and messy process.

This blog will discuss the best tips to use adhesive wallpaper for better results.

1. Wipe your walls:
It is good to clean the walls first with a microfiber cloth before applying the adhesive wallpaper. This will remove the dust on your walls and make the surface smoother for better application.

2. Move your furniture:
For correct measurement and easy installation of adhesive wallpapers, move all the furniture, switch covers and other removable outlets. You should make sufficient comfortable space to conduct the wallpaper work efficiently.

3. Layout:
Planning and jotting down the layout makes it easy to understand the space and the amount of wallpaper required to cover the area. You can either start by measuring the length and width of the walls and stick the stripes from left to right or by beginning at the centre, marking the left and right extremes and working your way, one direction at a time.

4. Check:
Once you stick the outline stripes, inspect the walls to check whether they are aligned and distanced equally. Overlapping might result in messy wall decoration.

5. Paint your walls:
Smooth wall paint works well with adhesive wallpapers if you apply satin-type primers. Matte paint becomes challenging due to its firm texture, thus making it difficult for adhesive wallpapers to stick.

6. Tools:
Using the right tools will help you in making the process of applying adhesive wallpapers easy. You can use a cutting knife to cut tricky corners and edges and a ruler to smoothen the rough edges and measure the intricate spots. You can also use a needle for popping the bubbles while sticking the wallpaper.

7. Peel properly:
Peeling the wallpaper must be done correctly. If you peel off the back paper in haste, you risk tearing the wallpaper and messing up the whole pattern and decoration. You can start from the top and work your way down slowly as you apply. Maintaining a steady flow of action and focusing on just your movement is essential.

Now that we have discussed the best tips to apply adhesive wallpaper for a better feel and appearance, it is also necessary to think about the safety of your house. Protect your home against unprecedented situations like fire, theft, or natural disasters, and avoid unwanted monetary stress. You can explore different options and choose the best house insurance in India, which caters to your needs and offers exclusive benefits.

Click HERE to know more about house insurance in India.

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.

Searching for your perfect home can be quite overwhelming, and renting can make it even more stressful if not done correctly. Renting a house is generally referred to as a property occupied by somebody other than the house owner. There are several things one must consider before finalising a house, and you need to ensure that you clarify all your doubts before arriving at a conclusive decision and paying.

In this article, we will discuss what you should know before renting a house for the first time. These points will not only help you stay calm while renting but also ensure that you make a well-informed decision before going ahead with the agreement. After all, it's going to be your home once you move in.

1. Location:
Think about the location before moving in. Notice the surroundings and the essential services and facilities available in the vicinity. Is it a school or a pub? Will you be comfortable with loud music and traffic noise? Check the area for essential services for you before signing the agreement.

2. Amenities:
Check the amenities like the washing machine, geyser, air conditioner, etc., if they come along with the house. It is your responsibility to examine these inventories and their working and get the landlord to confirm their satisfactory working in writing. It would be best to ask the landlord to clarify the repair or replacement of these appliances.

3. Release clause:
A release clause entails that the tenant must pay a fee and find a replacement if they wish to release themselves from the contract and move out of the house. Discuss the clause with your landlord beforehand.

4. Repaint:
Enquire if your landlord will be repainting the house before you move in. And if they have any plans to paint or deep clean the house, it would be good to get the work done before you sign the tenancy agreement and make the payment.

5. Pets:
It is a good idea to discuss if pets are allowed during the negotiations with your landlord. Breaching the tenancy agreement by keeping a pet can lead to possession and eviction in the future.

6. Water:
During the house inspection, open the taps and shower and check the water pressure. In case of a problem, negotiate with your landlord before signing the agreement.

7. Advance:
Usually, landlords ask for two months' payment in advance, but there is no fixed amount. They can maintain discretion about the deposit amount. Make sure you bring this up during your negotiation or agreement.

8. Terms and conditions:
Read the agreement very carefully. You can challenge terms and conditions you are uncomfortable with or find confusing. But you must do this before you sign the deal. Never sign an agreement without having complete knowledge about it. Any carelessness done during this period can have adverse consequences later.

Now that we have discussed the things you should know before renting a house for the first time, it would be wise to verify with your landlord if he has purchased home insurance for the home. Being covered under the umbrella of the best home insurance in India can keep you relaxed and free from worries of any damage or theft at your rented apartment. Ensuring security should be on the top of your priority list before shifting to a rented home.

Click HERE to know more about the best home insurance in India.

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.

Life is full of unexpected events, but the downside is that even the slightest miscommunication can put your goals at risk. A good general insurance lets you choose your protection against the costs of accidents and natural disasters — from theft to car collisions, fire damage to travel mishaps. And with this flexibility, you can mix and match the coverage you need from a general insurance online quote and get an affordable and customised plan.

Let’s understand the necessity of travel insurance:
Travel insurance seems unnecessary, and travellers underestimate the significance of travel insurance, as its purpose only comes to the fore when things go wrong. For example, if a flight gets cancelled unexpectedly, or if you get sick while travelling.

Travel insurance is a particular type of insurance that covers you for travel-related perils. It is not the same as your regular home, car, or health insurance. And, if you want to know why it is so important, read on.

1. Loss of luggage:
Landing at your destination and finding out your luggage is missing? And you're stuck with only the stuff you brought along - which isn't much. Fortunately, most insurance companies will provide a certain amount as compensation for such incidents as part of their policy.

2. Cancelled / Delayed trip:
If you plan to postpone, cancel or rearrange your trip, you can rest easy knowing that your travel insurance policy may provide you with financial protection. Trip delays, cancellations, and curtailments are all covered in case of an emergency.

3. Hospitalisation and Emergency expenses:
Travelling doesn't mean that you are entirely safe from the risks of getting hospitalised. Travellers often fall ill in the middle of their trip and have to even stay in a hospital if the situation worsens.
The holiday can turn into a nightmare if you don't have a valid policy covering hospitalisation expenses. Your travel insurance covers all your transportation, food, and medical expenses on getting hospitalised during your trip.

4. Fraud Protection:
It can happen to anyone. You're enjoying a vacation, and all of a sudden, your financial security gets compromised. Maybe you lost your debit credit card, or worse — you notice a fraud transition on your credit card. Maybe this is the first time such an incident has occurred to you, but it could happen again.

5. Liability protection:
While you're on your trip, keep an eye out for any personal injury or property damage. You could be held legally liable for it. But just because something is likely doesn't mean it will happen. With proper liability protection in place, you won't have to worry about paying for others' mistakes.

If you're concerned about safe and worry-free travel, there's no better time than now to buy travel insurance. Increased awareness means that more and more consumers are looking for a way to protect themselves when they travel.

Are you someone who wants protection and doesn't want to risk losing your vacation money or belongings? In such an accident or illness, there's no better time than now to get travel insurance. General insurance online quote is essential for financial security. These policies protect you against all possible financial risks, including travel you might face in your life. It is also a great way to protect your other assets and valuable possessions.

Click HERE to get general insurance online quote.

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.

For soon-to-be parents, a lot of significant changes seem to be right around the corner. Parents spend the months of the pregnancy expecting the baby and several lifestyle changes. While buying all the necessary items like baby clothes, diapers, and cribs is essential, making sure your home environment is safe for the baby is just as important.

First-time parents might look around their home and feel confused about what modifications to make to protect their baby. They might even question the need for it. However, as overwhelming as the responsibilities of a newborn can be, it is integral that parents appropriately baby-proof their homes.

Even though experts claim that your toddler will likely get a few bumps and bruises with every alteration you make to your home, parents still must childproof their home. Since knowing where to begin the process can be baffling, here are some simple tips to follow!

1. Be aware of heavy objects:
Children start crawling, walking, and running in no time. As they grow older, they will begin pulling and pushing things around. This is when heavy objects can become an issue. Whether it’s heavy showpieces or furniture, if the toddler pulls or tugs on them, they may cause an injury. So, make sure to keep the glassware or delicate pieces away and keep the heavy objects out of the baby’s reach.

2. Secure electric plug points:
Toddlers around the 15-17 months age range quickly become fascinated with sticking their fingers or other things in any place they might fit. Most of the time, they turn out to be electric sockets. Parents must be aware of this habit and how dangerous electric points can be.
Use tight-fitting electrical outlet covers to ensure that the baby cannot stick their tiny fingers or jam pens, pencils, or toys into the electric points. You must also confirm not to leave lamps or other appliances with their current on if they are within the baby’s reach.

3. Keep the dangerous home supplies out of reach:
Cleaning and other home supplies contain plenty of harmful chemicals in them. Once kids are allowed to consume food and liquids, they may start to put random items into their mouths.
Small objects are a choking hazard, and it is essential to keep them out of reach. House supplies like cleaning agents and liquids need to be stored at a height or locked in a cupboard so that the child does not have access to it.

4. Place door and window stoppers:
Appliances and furniture have doors that can easily open. Once the child can reach them, installing stoppers to these doors and windows is crucial to prevent them from hurting themselves. Suppose you’ve invested in reliable home insurance India plan; you can add these necessary babyproofing objects to your house.

5. Do away with the mats and tablecloths:
Children have a habit of running around the house. They may accidentally slip on mats and rugs placed in various corners of the home. Tablecloths that hang low are easily accessible to the kids who can pull on them along with all the items placed on them. This can not only hurt and injure them but also damage household items.

To conclude, these tips can give you an excellent start to babyproofing your house to protect your child. With all the wear and tear your home undergoes, babyproofing can be stress-free if you have the right home insurance to rely on. Your ideal home insurance can even cover you for unexpected losses or damages or provide compensation in case of mishaps like theft, fire, earthquake, and natural calamities, etc.

Click HERE to buy the best deals on home insurance India.

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.

The majority of house buyers and sellers use the services of real estate brokers to make the process hassle-free. A real estate broker is a middleman who connects a buyer and a seller. An experienced broker can help you secure a good deal while keeping both parties' interests in mind. Unfortunately, the real estate sector in India is rife with misinformation and uncertified real estate agents.

As a result, finding the perfect broker is crucial in making informed decisions and avoiding costly mistakes. Finding the right real estate broker is as important as finding the best home insurance policy. Here is how to pick one.

1. Authenticity:
Reputation is a key component in the real estate sector. A reputable broker maintains relationships with developers, owners, and other real estate professionals. Question at least two clients about the agent's authenticity, knowledge, service quality, and, if possible, the pricing of homes they acquired through your agent. Preferably opt for a licensed broker who is a member of the National Association of Realtors (NAR).
Brokers must be RERA (Real Estate Regulatory Authority) registered in addition to being a part of a reputed organization. The state's RERA website posts all of the agent's info. You can look up these facts on the website using the registration ID of the real estate broker.

2. Understanding of the neighbourhood:
When looking for a real estate broker, the first thing you should look for is someone who knows the neighbourhood. Your broker should be well-versed in the local market conditions.
A good real estate broker is well suited to reveal the nitty-gritty of an area, the real estate inventory, and the prospects. It's also necessary to know current property trends. You'll be in good hands if you find a broker familiar with the local rules and regulations regarding property purchases.

3. Potential prospects:
Do not finalise a broker on the spur of the moment with a single offer. Investigate the market and speak with at least two or three agents. You can ask questions, learn about their experience and working style, and determine their areas of specialisation and professionalism by meeting and interviewing a few possible brokers.

4. Brokerage:
It's critical to negotiate your agent's fee upfront without ambiguity. In most Indian cities, the fee is usually 2% for transactions worth more than Rs 50 lakh and 1% for transactions below. Real estate brokers frequently skip the fee section and charge a high percentage after the contract is closed, leading to disagreements.

Buying a home is both a financial and emotional investment. Many homeowners will also agree that purchasing a home is a complicated job. The right real estate agent can make the process less stressful while ensuring that you get a decent deal.

After finding a great deal on the house, the sense of claiming it as your own is unquestionably a once-in-a-lifetime experience. It is suggested to purchase home insurance coverage to protect your new home from undesired circumstances and shield your personal space with a layer of financial protection.

To know more about home insurance, click HERE .

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.

"The best view arrives after the hardest trek," and there is no denying that. The beautiful valleys, the breath of fresh air, the stunning views are just a few of the many rewards you get at the end of a trek. We have heard about the experiences of avid trekkers, and each of them, without fail, has mentioned that everyone should go trekking at least once in their lifetime.

Trends show that more and more people are leaning towards new outdoor experiences, and trekking is something they want to enjoy. While choosing a destination isn't challenging, zeroing in on the other aspects of your travel becomes essential. One crucial question is whether to travel solo or in groups. Today we will try to shed light on both of these to help you make an informed decision before your next trip.

Why travel solo?
People have often associated trekking with catharsis. They enjoy the peace, quiet, and sometimes the mini-adventures that come with it. Navigating through unknown roads, climbing treacherous terrains, cooking your food, and enjoying your solitude is what any travel enthusiast dreams of. This means that you are fully responsible for everything that happens during that trek, and the experience is unique to you.
Another vital aspect is that since you are the sole proprietor of your journey, every decision made and every skill used comes from your judgement. This is an incredible way of learning your strengths and making yourself confident for future solo trips. The added benefit of going solo is that you set your milestones.
You aren't worried about being left behind, you don't have to race to the top to ensure you get the ideal spot for your tent, and you don't have to depend on other people's time. Instead, you get to explore like a wanderer.

Why travel in a group?
Shared knowledge is the best knowledge. When you travel in a group, there is a chance you might meet skilled travellers. Travelling with them helps you gain better insights into immersive experiences, and more often than not, they have tips and tricks to help you in your journey to the top.
There is a zeal associated with travelling in groups, where people constantly support each other and share new stories. There is a powerful sense of euphoria when you stand together, looking at the beautiful view from the top with each other. In addition, there is a distribution of responsibilities, some help in pitching the tent, some help in lighting the fire, and others help with the cooking process.
Travelling in a group ensures the safety of everyone, and in case of injury, there is always someone to help you. And by the end of your expedition, you make many new friends with whom you share fond memories.

These are some of the benefits of travelling solo and in a group. Treks can be a wonderful experience if done right, and in a country like India, there are a plethora of options that you can explore. Some groups conduct annual treks. Signing up with one can be an excellent start to your trek experience.

Keep in mind that your safety is of utmost priority no matter how you travel. So carry a first aid kit, visit your doctor for a checkup, and don't forget to buy general insurance online to get exciting deals and protect yourself from landing into unnecessary trouble.

Click HERE to buy general 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.

Painting your house can be a great way to improve its appeal, increase its monetary value and overall make you love your place even more. The best part is that painting does not even cost you much if you use the right tips and tricks. However, before picking up the paintbrush, remember that it is not child's play.

The gratifying project of giving your house a new look with a fresh coat of paint can become taxing if you follow the wrong ways. To make sure your home stands out in the neighbourhood, you must take an informed and measured approach to painting.

Before you make your selection, here's something you should know.

1. Hire a professional or do it yourself:
Decide on whether you want to hire a professional painter or do everything yourself. Both have advantages and disadvantages. Professional painters will cost more, but they will do the job faster and with correct procedures that non-professionals may not.

2. Choosing the appropriate colours:
The colour selection might be time-consuming due to the importance of each family member's shared decisions and choices. To observe the impact and brightness of the colours, purchase paint samples and apply them to any two sides of the wall. Or check out the colour palette of different paint companies and then choose.

3. Deciding on the best time to paint:
If you want to paint the building's outside walls, you should do so during the summer months so that the paint does not take as long to dry. Otherwise, paint only in the late mornings and early evenings when the weather is warm enough for the paint to dry.

4. Calculating the cost of painting:
You'll need to calculate the entire painting cost, including the equipment, expert painters (if you're employing them), paints, primers, and other supporting materials.

Before you begin the painting process, keep the following recommendations and practices in mind:

• Examining the house:
The painting should begin with a thorough examination of the entire area. Before applying a paint coat, make a list of every crack, hole, and structure that has to be fixed.

• Figuring out how much paint you'll need:
It's much easier to calculate and estimate the amount of paint that needs to be purchased once you've taken down the measurements of the area that is to be painted. It is generally a good idea to buy more paint than you need.

• Getting rid of old paint:
You must remove the old paint if it has deteriorated and flakes have begun to appear on the unsightly walls. Use a paper scraper to remove the old paints. This will eliminate the blemishes from the walls and clean them by removing the undesired dust.

• Cleaning the residence:
Professionals usually do cleaning and remove everything from the house. Before painting, clean the house to prevent dust from adhering to the walls. Remember to use a cloth to cover any other areas and big furniture you will not be painting.

• Begin the painting:
After these preparations, the paramount step is to paint the wall. First, spray the paint on the wall using a sprayer and then roll it down with a roller. Many specialists recommend that you employ the back-rolling method.

The next step is to let the paint cure for at least 24 hours since it will take practically an entire day to completely dry.

Painting is just one more method to nurture your home and take good care of it. Another approach is to get a low-cost home insurance India plan. This will cover your property from various catastrophes and ensure longevity by adding value to your prised possession.

Click HERE to buy a reasonable home insurance India plan.

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.

Cleaning our home is a regular task for all of us. It improves hygiene and promotes physical and mental well-being. Tidying the mess around you gives you clarity of thought and can be therapeutic. But sometimes, sorting the mess doesn't help, and a deep cleaning process is needed.

It might sound stressful, but no need to worry. This blog is a room-to-room manual for deep cleaning your home without getting tired during the process. We have broken it down into small doable tasks that are easy to follow.

But before we begin, go ahead and declutter the mess around you to make it convenient to move around freely while cleaning. Once you have sorted your scattered possessions, follow the subsequent points to proceed with room-wise deep cleaning.

1. Bedroom:
Remove the beddings and put the bedsheet and pillow covers into the laundry. An extra spin would help in drying them faster. Air dry your synthetic pillows. For heavy comforters, a laundry facility would be helpful. You can clean your mattress by sprinkling a little baking soda on it, letting it sit for an hour, and then using a vacuum cleaner to extract all the dirt. Next, declutter your closet by pulling out the clothes you won't wear and donating them. Finally, get all the blazers and the crease-prone garments on hangers to organise your closet.

2. Kitchen:
Start by wiping all the cabinets and external surfaces. You can use newspapers or mats to put on the shelves to avoid dust on the surfaces. Take all the things off your shelves and wipe them using suitable cleaners. Wipe the refrigerator inside out after emptying it. Follow the same process for the stove, dishwasher, and other appliances if possible. Wipe the countertops using cleaner liquids and let them dry.

3. Bathroom:
Some shower curtains have labels that mention if they're washable. Make sure to check yours before you wash it. Afterward, rehang to let it completely dry. You can also wash your plastic shower line or purchase a new one. To remove the water spots and soap scum, use heated distilled white vinegar for the doors and scrub with baking soda using a non-scratch pad. Finally, declutter your washroom cabinets, clean the surfaces, categorise the items, group, and arrange them. Do the same with your first aid and medicine cabinet.

4. Living room:
Use a vacuum cleaner to clean all the furniture. Remove the cushions for easier access to the deepest corners. Collect all your showpieces and photo frames from the shelves and wipe the surfaces with cleaners. Now take all the photo frames and clean them gently using a microfiber cloth. This will help you avoid scratches. You can use a thin dusting wand to clean beneath the surfaces of electronics. Go through all your CDs and DVDs and if they're not of use anymore, collect them to donate or sell.

Use these tips as your guide to deep clean your home without any hassle and stress. Also, ensure to safeguard your home and buy home insurance online. With the world going digital, you can explore your options and buy home insurance online in India with only a few clicks. Additionally, online insurances offer exciting benefits and deals to the policyholders to opt from and take advantage of.

Click HERE to know more about how you can buy home insurance online in India.

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.

The year 2022 is specifically crucial as the pandemic has caused individuals from all around the globe to pause and reconsider how they have handled their funds over the last couple of years. While the idea of plotting financial goals in the aftermath of the pandemic recession may seem daunting, it is an excellent time to participate in a different type of financial goal-setting.

As we are just getting started with 2022, remember, the sooner you begin, the better you will achieve your financial objectives. So, to help you start your journey to financial freedom, we have written this blog which points out 6 goals that you should meet. Let us take you through each of them briefly.

1. Build an emergency fund:
A liquidity backup set up for emergencies and unexpected bills is known as an emergency fund. You can use these savings for unanticipated costs or payments that are not part of your regular expenses. It can act as a financial cushion when you are looking for a job change, are unemployed, and support you during the uncertain times of Covid-19. It's just like an umbrella, not much of use most of the time but tremendously valuable when needed.

2. Savings for a home:
Owning a home is one of the most popular financial objectives people seek to fulfill. It is evident that people must work hard to achieve this goal. Planning for it may be difficult but not impossible if you start early. To appropriately fund this aim, you must first analyze your financial flow and requirements. Check your spending habits and invest in schemes that will earn you a good return in the future.

3. Adequately insure yourself, your family, and your assets:
You and your dependents can face numerous financial hazards if not adequately insured. Health insurance is crucial in today's times. We cannot deny the importance of general insurance in India for your other assets like a house, motor vehicle, etc. There are many good companies offering health and general insurance in India.

4. Invest for your retirement:
Saving for your retirement is a crucial financial long-term goal. Keeping a retirement fund to live comfortably and pay for medical expenses in your later years is essential. However, achieving this goal will be wholly dependent on your financial portfolio and spending habits over the years unless you have other forms of passive income.

5. Savings for your next generation:
With an average of two kids per household in our country, the university and upbringing cost is very high. You would indeed desire the best college and educational facilities for your offspring. However, paying for all the tuition fees and other costs of having kids is not that easy. After attaining your financial freedom, planning for your next generation is the most important goal you should look forward to.

6. Being debt-free:
Staying out of debt is a must for your financial wellness. This will ensure that you achieve your other financial objectives without any hurdles. Whether it's repayment of loans or clearing credit cards debts, make a strategy to get out of it as soon as possible.

Setting financial objectives will be one of the most important things you will have to do every successive year. If you're a married individual, you'll notice that many of these targets aren't purely personal and heavily involve your partner. Having communication with your partner and financial adviser can help you work together to get the most out of your resources and meet your financial targets. Happy New Year and happy financial planning!

You can check the most economical plans HERE.

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.

We all enjoy the occasional getaway to rejuvenate ourselves and break the mundane routine of our day-to-day lives. So often, we find ourselves surfing the internet for hours, trying to zero down on the one place we can go to and relax with our loved ones. But more often than not, we end up not going to these places. And there is no shortage of images on the internet, so we find ourselves looking at them and yearning to be there.

Today we will be looking at six places that will promise you peace and calm on your next getaway.

1. Cherai Beach, Kerala:
Popularly known as the ‘Princess of Arabian sea’, Cherai beach is located about 16 miles from Ernakulam on Vypeen island. This golden beach boasts blue waters and lush green vegetation stretches that are a must-visit for anyone who wants to unwind by a beach. People can enjoy various water sports in this destination. Cherai also hosts a five-day tourism festival that conducts an array of diverse cultural and traditional art forms.

2. Bhimbandh, Bihar:
This hot spring holds great significance in the history of India. Unfolding the pages of the past, during Mahabharat, when the Pandavas had to live in disguise, Bhimbandh was one of the locations that they had chosen. The temperature in this natural spring goes up to 72 degrees celsius. It is believed that Bhim was instrumental in placing slabs across the stream to prevent the water from flowing at high speeds. Hence the name “Bhimbandh”.

3. Gandikota, Andhra Pradesh:
India’s Grand Canyon, Gandikota, is undoubtedly one of the most picturesque places in the land. The main attraction is the Gandikota fort and its ruins. Built-in red sandstone, the fort has beautiful and intricate carvings, watchtowers, and a few noteworthy temples. Anyone interested in history should add Gandikota to the bucket list of places to visit.

4. Nagore, Tamil Nadu:
Nagore is a quaint town in Tamil Nadu, known for its famous Dargah, dedicated to Shahul Hamid, a renowned Sufi saint. It also promises a rustic, old-world charm and is a must-visit destination for travellers to enjoy beautiful unspoiled beaches.

5. Netarhat, Jharkhand:
A hill station, covered with thick forests known as the “Queen of the Chotanagpur”. One of the few places famous for its breath taking sunrise, and equally beautiful sunset, Netarhat is about 154 km from Ranchi. This hidden gem is surrounded by pines and orchards, making it the perfect picnic spot to enjoy with family and kids.

6. Idukki, Kerala:
This beautiful place has vast spans of mountains and dense forests. It has the lowest population density in Kerala, so its beauty is untouched and unexplored by many. Famously known as the ‘spice garden of India’. The Idukki dam is also one of the largest dams in the country and is a sight to behold.

We hope these places help you curate your next travel trip. Remember, no matter what the place is, always try to live amongst the locals and get a feel of the local lifestyle and the food. This only adds volumes to your experience and can be something that you will remember for the rest of your life. If you plan on taking a vacation, it is ideal to get your general insurance sorted. A beforehand general insurance policy acts as a safety net against any risks or unforeseen expenses you might face while traveling.

Click HERE to know more about general 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.

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

• A home insurance policy provides protection not only by covering your home but also the components within.
• You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

• A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
• You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
• The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

• Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
• You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

• A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
• Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

• If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. –Charles Dickens

You’ve made the big decision to purchase a dream house: reality is finally sweeter than your dreams! Congratulations.

A house is a matter of pride and a big commitment for many many years. A house is probably one of the biggest investments you will ever make: a dream you would like to protect.

While there is little we can do against natural disasters, we can reduce some of the hardships by having home insurance, which protects against any damage to the house and valuables in it.

Home insurance is poorly sold in India; People are either not aware of home insurance or are reluctant to buy it. They don’t see the risk to their property—be it fire or an act of terrorism; and of course, it always happens to other people!

A lost life cannot be regained, but a lost house can be rebuilt and it doesn’t cost much.

Here is what our Truth lens tells us:

A good policy covers for financial loss arising out of various incidents such as fire, earthquake or burglary. It covers, not only for structural damage but also for all other assets and possessions you may have, right from a rug to a refrigerator.

Here are a few things to consider:

One, the Cover

At the basic level, a standard fire and special perils policy covers your structure and possessions from fire and other dangers such as earthquakes and storms. The second level of coverage protects against burglary or breakdown of mechanical and electrical appliances. The last one protects against minimal risks such as loss of rent, loss of important documents such as title deeds and passport, and provision for alternate accommodation.

Two, the Sum Insured

While the value of your house is based on three factors - land, cost of construction for the building and prevailing real estate prices – the insurance only covers for the building’s cost of construction. Most insurers will offer a standard rate per square foot multiplied by the carpet area of your house. The rate offered also considers depreciation. Therefore, it is important to go for a reinstatement cover. This covers for rebuilding your home from scratch, assuming the worst.

Three, Compliance

If you are living in an urban high-rise, your flat alone cannot be rebuilt in case a big calamity hits the locality. It is the housing society’s responsibility to insure the entire premise. Talk to the society management and figure the kind of insurance availed of and what supplementation you need. The insurer will not cover for poor or unauthorized construction and you don’t want to be left high and dry in the event something goes wrong. Taking 2 insurance policies for the same asset will not result in double benefits! [This is based on the principle of indemnity, and the more technical oriented amongst us can click here to read more about it]

Time period: Home insurance can be bought for a minimum of one year to a maximum of five years. Do remember to renew.

Fine print: Home insurance policies are worded differently. For example, structure insurance may only be for building and not land, or only jewelry kept in the locker may be covered.

Tenants: If you are living in a rented house, you can insure only the contents and not the structure as you don’t own it.

A central air conditioner cools the air in one area, then uses the furnace's air handling skills to circulate the cool air throughout the house. This sets it apart from mini-split systems, window or wall air conditioners, or any other cooling system that needs many units to chill the entire house adequately. The compressor is outside, and the evaporator coil is inside the residence, dividing the device into two main parts.

The central AC installation process.

Now that the fundamentals have been addressed let's go over the detailed procedure for installing central air.

STEP 1: Get a quote.
Find nearby Heating, ventilation, and air conditioning (HVAC) contractors by conducting an online search. The committed residential HVAC technicians may also come to your house to offer you a quote. This procedure includes inspecting any existing air conditioners and the areas of your house where the air ducts will be placed.

STEP 2: Choosing the appropriate central AC unit.
Your HVAC contractor will suggest an AC unit. This depends on elements like your home's size and the climate where you live. The following are the key elements that will help you choose the best AC unit for your house:

Unit size: Because homes come in various sizes and climates, HVAC manufacturers offer systems in multiple sizes. Most of the time, your contractor will assist in determining the ideal size for your property.

Ranking SEER: The performance of an AC system is based on its seasonal energy efficiency rating (SEER). For instance, high-SEER equipment will benefit from lower operating expenses, decreased energy usage, increased safety, and quieter operation. High-SEER units frequently cost more upfront. However, they lead to more savings over time and can provide a better return on your investment.

Productivity of the unit: The two main types of AC units that manufacturers provide are package systems and split systems. Since all components are contained in a single housing, the general package systems perform well for an "all-in-one" experience.

STEP 3: The unit is placed on your property.
Proper location is important while installing central AC as they have two drawbacks: they take up room and are noisy. So, where should your unit be placed for the best results? You should put the unit out of sight and away from beds. The side yard, a location near the kitchen, or the laundry room are frequently chosen by consumers. By doing this, you can lessen the noise in the vicinity of the rooms in your house where you sleep, rest, and work.

Step 4A: Check the existing ductwork in step.
Ask your contractor to look over the ductwork if it already exists in your home. Before setting up the new system, they can find any structural damage and replace or fix it.

STEP 5: Installation.
As previously indicated, if a split system is installed, a portion of it will be stored indoors, most frequently in the attic. If new ductwork is necessary for your home, it will be installed by your contractor.

The value of your property can be increased while keeping you and your family comfortable by installing a central air conditioner. To ensure the most seamless installation of your central air conditioner, don't be afraid to ask your installer questions about the process.

Also note that the best home insurance in India will safeguard your home against unforeseeable catastrophes, such as calamities caused by both nature and humans. Some insurance covers the house's structure, while others cover the building and the home's contents. Buy the best home insurance in India and reward your home with seamless protection.

Click HERE to buy the best home insurance in India.

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.

Selecting the right furniture may be a tedious task for some people who need to be more informed about what to look for when buying furniture for their homes. How your home looks will be significantly impacted by the type of furniture you buy, so always consider its relevance and durability.

The heart belongs at home. It's a place where joy abounds, and priceless memories are etched on the walls. It's your happy place and is most likely one of your most important financial and emotional possessions. You should therefore safeguard it with reliable house insurance coverage. Also, when purchasing furniture, take into account the following things.

Factors to consider when buying furniture.

1. Colour scheme:
The colour of the particular furniture you wish to purchase is an important factor to consider. The colour of your furniture complements the furnishings and decorations in your home. No matter how lovely the furniture is designed, choose it only if the hue goes with your decor.

2. Budget:
Purchasing furniture does not require you to spend a fortune. Decide upon a budget that should allow you to explore the options available in the market. However, choosing the most affordable furniture from the market could result in receiving subpar furniture. Imagine purchasing furniture that costs more than your income and then figuring out how to live after spending everything. Find one that won't break the bank but still matches the colour, theme, and decor.

3. Size of your house:
Ideal furnishings must fit in your room comfortably. Imagine how constrained your movement will be in the living room if you purchase large sofa sets for your little space, such as seven-seaters, because neither you nor your family has enough space to move about freely. Therefore, consider the size of your room when choosing the furniture.

4. Longevity of furniture:
By purchasing furniture that will fit for use for a long time, you may save money by selecting sturdy options. Shopping from renowned dealers known for high-quality furniture will put you on the safe side. Doing this gives you a better chance of finding sustainable and economical furniture.

5. Maintenance:
Materials like plastic and wood are used to make various types of furniture. Nevertheless, hardwood furniture is excellent because it requires less upkeep and is easier to clean and repair. So, before purchasing any furniture that catches your interest, check the materials used to make it.

6. The ease of the furniture:
It doesn't make sense to purchase stylish furniture that is uncomfortable. For instance, buying a stylish chair prevents you from handling your job effectively, and hurting your back is not a good idea.
Additionally, experts advise choosing ergonomically designed furniture, making your house or business welcome and stunning while offering the utmost comfort.

Even if it might not seem so, buying furniture can be stress-free. If you follow the advice mentioned above, there will be no room for error. Decorate your home with the best quality furniture and make your personal space more attractive with creative ideas.

Along with beautification, it is also important to ensure the security of your home. House insurance India guarantees the safety of your house and your possessions. A little investigation and work can go a long way, as previously stated.

Click HERE to buy house insurance India.

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.

The Indian winter calendar is always filled with various exciting events, including religious fairs, cultural festivals, and many other events. Many domestic and international tourists visit these events to participate in multiple activities and enjoy the rich cultural heritage. From boat races to rituals, elephants to drums, these winter festivals are packed with fun, entertainment, and local culture.

*Pro-tip
To make the most out of your trip, even in terms of safety, kindly get in touch with a general insurance company so that they can cover your trip against any uncertainties, cancellation of flights and damage to your luggage, etc.

1. Kochi Biennale:
The Kochi Biennale is an international exhibition of contemporary art held in the city of Kochi in Kerala. This festival is considered one of the largest contemporary art festivals in Asia. The event features works by both established and emerging artists.
Many of the works presented are interactive, with many artists taking the time to speak with the audience about their work. This blooms a creative atmosphere and allows artists to learn from the feedback from the visitors. This approach enhances the true meaning and value of the art and spreads it to the world.

2. Nagaur festival:
If you're in the mood for a good time and want to get a feel of the rural culture of Rajasthan, the Nagaur festival is the right place to be. From the flamboyant costumes to the exciting camel races, the Nagaur festival will surely entertain you with its colourful and vibrant shows. In the evenings, the fair turns into an open-air theatre with stunning performances of local dance forms.

3. Hornbill festival:
Every year, the Hornbill Festival is organised in Nagaland. This is also known as the Festival of Festivals, as it celebrates the beauty of nature and the importance of birds for the community. The festival lasts from the first to the tenth of December. Thousands of people come from across the world to attend the festival, which has become a cultural highlight.
The winter festival is undoubtedly a chance to experience Nagaland's diverse culture and traditions. Most of the major tribes of the region are represented during the festival, and they display their tribal crafts and dances.

4. Ziro festival:
If you are a music fanatic and love rock concerts, you must attend the Ziro festival, which is an outdoor music festival. Held every year in the Ziro valley of Arunachal Pradesh, it has a massive range of rock and pop bands performing yearly. Even if you are not fond of music, you can still enjoy the festival and see some exhilarating live performances.

5. Jaipur Literature Festival:
The Jaipur Literature Festival hosts some of the world's most talented writers and poets. The festival is organised by the Jaipur Literature Foundation, which aims to promote literary works and amplify their importance.
The festival has hosted nearly 2000 speakers and greeted over a million book lovers. It's not only a celebration of Indian literature but also a democratic platform for the development of global literature. As a non-profit organisation, it is non-aligned and offers fair access to all. Overall, it is a great multifaceted event with lectures, book discussions, and literary readings.

Locals and tourists alike have an insatiable appetite for winter celebrations. As a result of its mystique and splendour, thousands of people travel long distances to attend these festivals every year. However, mishaps are always possible with such a huge number of people. Thus, contacting a reputable general insurance company would be best to get a suitable insurance policy for your trip's safety.

Click HERE to buy insurance from the most trusted general insurance company.

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.

Due to its inherent beauty and opulent appeal, marble has long been the preferred material for flooring in custom houses and structures. Although there are now more flooring options than ever, marble continues to rule as the king of expensive flooring.

The majority of people are familiar with marble as a material. Still, many are unaware of its characteristics or how it may be used for customised floors. The beauty and allure of marble have solidified its position as the preferred flooring for upscale residences, hotels, and even some companies.

*Pro-tip
Home insurance India is a comprehensive policy that covers losses against private residences. Buy a comprehensive home insurance India policy and protect your home and its structures from losses due to accidents or mishaps like theft.

Here are some benefits of marble flooring:

Since ancient times, marble has been used as flooring. Although marble flooring has many advantages, its timeless appeal speaks volumes about its excellence.

1. Natural grace:
Marble is frequently utilised to give rooms a classy, opulent natural appearance. The patterns present in tiles give each piece a unique appearance. A floor that will elevate your space has a bespoke appearance combined with an original installation and design.

2. Greater durability:
With marble flooring, you can stop worrying about dirt. These floorings are robust and unmarred by scratches. The marble flooring is tough for all types of damage because it can resist practically anything you throw at it.

3. Home value growth:
You probably consider how marble flooring will enhance the appearance and functionality of your home whenever you undertake one. However, you might also consider how it might raise your house's worth. Your home is a significant investment, so whenever improvements you make, you want to be sure that you will eventually recoup your costs. Marble floors can assure you of this.

4. Simple to clean:
Marble floors are resistant to liquids and other chemicals as long as their seal is properly maintained. You can easily clean the marble surface if it gets dirty or wet. Irrespective of the shade, you can remove dirt and dust reflecting from the shiny surface of the marble.

5. Using elegant finishes:
Whether in a vast doorway or a small restroom, the flooring provides a polished glow that brightens the light and makes the place grand. Most homeowners adore the elegance that marble can add to a home.

6. Reducing allergies:
Marble flooring is ideal if you or anyone in your home has allergies. It's warm enough for barefoot use yet doesn't attract dust, pet dander, or pollen. When the dust first appears, you can easily spot and clean it.

7. A wide variety of colours:
The word "natural" doesn't limit your selections regarding the advantages of marble flooring. There is a huge variety of hues and patterns for marble floors. You can decide on a particular type of flooring and then plan the rest of the space around it.

8. Outstanding heat conduction:
Although marble floors are meant to be cold, this is not always the case. Due to its excellent thermal conductivity, marble is a fantastic material for radiant-heated homes. Even on the chilliest mornings, radiant in-floor heating combined with marble floors will keep you feeling cosy.

So, we are clear that marble flooring provides your property with a traditional, timeless appearance. It can make your home shine with the premium texture and feel of overall luxury. Do not forget to give your home reliable protection with the best home insurance India. Therefore, you must weigh the pros and downsides before making a purchase.

Click HERE to buy home insurance India.

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.

You have arrived at the airport and are excited about your holiday. But for some reason, your flight is delayed. Maddening! Right? You begin to feel irritated as all the thrill starts disappearing. You have no idea how to pass the time at the airport. Even the noise and chaos further grow your disappointment.

Fortunately, there are lots of activities you can do to occupy yourself while waiting for the airplane to take off. You will notice that an airport is a sizable facility with various entertainment options. Therefore, before you get to your destination, wait patiently, and tour the airport's many areas. Put yourself in "vacation mode" and leave the bustling world behind.

Here are a few things you can do in airports to pass the time as you wait for your flight.

1. Display your photography prowess:
If you enjoy taking pictures, the airport offers interesting opportunities to capture props, aircraft, artwork, and architectural structures. You can even take candid pictures and make portraits of the individuals nearby. Start by putting your hesitation aside and enjoy yourself as you take amazing images and start making beautiful memories right from the start of your trip. However, be cautious, as photography is prohibited at some locations at the airport.

2. Browse the kiosks or shop at duty-free:
The duty-free shops at the airport have some incredibly affordable offers. You name it: clothing, alcohol, and chocolates! Even though some stores are pricey, you may pass the time by browsing various goods if you have no other choice. It's an excellent strategy to stay active and finish any unfinished tasks.

3. Use the free Wi-Fi:
Suppose you are not interested in moving around. Still, we have a fix for you! Worldwide, free Wi-Fi is available in most airports. Your favourite web series is available for viewing after turning on your Wi-Fi. There are free things in life sometimes! But don't use a public Wi-Fi network to access your bank accounts or anything private.

4. Talk to others:
People from many places are seated together in an airport like a miniature world. Additionally, it's a great place to meet new people and mingle. Avoid just bursting into people. Talk to them and find out about their country and neighbourhood. You must always be open to making new friends on the go!

5. Observe:
Suppose you don't like engaging with others. You can just watch them; there won't be any interaction or information. The airport is the perfect place full of travellers from all parts of the world. If you are an artist, noticing things can help you write or copy articles.

6. Read a book:
The best way to enjoy your company and kill time at the airport is to pick your favourite book and engross yourself in reading. There can't be any better experience than involving a substance that entices and refreshes you by just turning pages.

7. Sleep off:
If none of the choices appeals, you may take a nap and rest for a while. Pick a seat in a corner or access the lounge if you can, turn on your favourite music, and set the alarm for a quick nap.

If you're stuck in an airport, we hope these solutions will be helpful. But be aware of the updated details of your flight and stay alert on the announcements. Also, check your luggage in case you are waiting for a long time. It is advised that you purchase travel insurance to protect your trip. The travel protection under the general insurance India policy covers unexpected events like a delayed flight, missing checked baggage, and more.

Suppose your general insurance India plan includes luggage insurance. In that case, your insurer may be able to reimburse you, up to the limit specified on the confirmation of coverage, for covered loss, theft, or damage to your baggage and personal belongings.

Click HERE to buy the best general insurance India plan to make your travel hassle-free.

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.

Buying a house is a significant milestone in most people’s lives. It is not just an investment but also a status symbol that displays your wealth. In India, purchasing a home is seen as an achievement that most young adults wish to fulfil to get stable in their lives. However, there are several risks to consider before making this purchase. Since it is a high-value investment, you must be prepared to protect it against mishaps. There is a constant threat to your home due to natural calamities, break-ins, or third-party damages, to name a few.

A home security system installation not only secures your home from multiple threats, it also gives those with a pre-installed security system an advantage. Since the chances of damage are relatively lower for secure homes, your home insurance claims are proportionately lower. Therefore, you must consider purchasing a well-suited home security system irrespective of the cost.

This blog discusses some factors to consider the best home security system to protect it from potential threats.

1. Assess entry and exit points:
While you cannot prevent uncontrollable events like natural disasters, it is possible to monitor your home for suspicious activities around your home. Thoroughly assess the layout of your house and identify entry points. Ensure that a sensor is attached to every door or window, or install cameras nearby that can capture the entire view.

2. Technologically integrated devices:
Once you secure your entry locations, all that is left is to secure the inside of the house. Several single-purpose tools like smoke and carbon monoxide detectors, fuel gas sensors, and accessories like remote monitors and controllers allow you to control your home remotely. Through these, you can detect issues at the earliest and handle the situation before it gets out of hand and call the required authorities if needed.

3. External monitoring devices:
Keeping a monitoring device like a camera facing outside with a live feed is a method to keep intruders away. While this may be expensive, it guarantees that everything is safe at your home. The same can be applied to cameras inside the house, but since it can violate your privacy, we recommend limiting it to personal supervision. Ensure that your cameras are placed at a well-lit location and cover all entry points and any external attached area like garden space or shared spaces with neighbours.

4. Emergency buttons:
You need a handy emergency or panic button in case there is an escalation that requires the intervention of emergency services. These devices are designed to immediately call for emergency service providers by clicking the button. Ensure that they are placed at a height that kids cannot reach but are accessible easily in an emergency.

Home security systems are crucial features in keeping your home safe. With the increasing risk and crime rates, its requirement is only increasing. While it is an excellent addition, it should be coupled with a comprehensive home insurance policy to keep your home safe and cover any incidental costs incurred. If you wish to buy home insurance online India, the process is simplified to take minimal time and maximum benefit.

Click HERE to buy home insurance online India.

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.

The train rides offer you to experience India's great culture and heritage as you cross stations and states. The Indian Railways has always been working at the forefront to bring the best of incredible India to citizens and visitors by connecting the nation's glory and heritage landmarks. And all this is achieved with the strong network of railways, which is indeed the lifeline of India. The Railways operates special heritage trains and tours to bring people and experiences together.

Among the excitement and thrill of heritage train riding that you may undertake soon, let's not forget the importance of insurance. As an individual, you never know when uncertainties can kick in, so better always to stay prepared! And general insurance is the best and safest way to make your experience less stressful and more enjoyable, knowing that your travel is safeguarded by reliable insurance coverage.

Here are a few top heritage trains in India that one shouldn't miss.

1. Darjeeling Himalayan Railway (DHR):
One of India's best-known and most popular trains is the toy train, which runs between New Jalpaiguri and Darjeeling. The journey takes you through hills and dense forests, with views of Mt. Kanchenjunga on clear days. The Darjeeling Himalayan Railways (DHR) toy train trip is akin to a soothing lullaby in the middle of a fantastical environment.
A cheerful train ride over the foggy lines from Darjeeling to New Jalpaiguri would undoubtedly restore the romance in a person. If you didn't already know, UNESCO designated and recognised this Toy Train as a World Heritage Site on December 5, 1999.

2. Deccan Odyssey:
Modelled after the royal carriages of ancient India, the iconic and luxurious Deccan Odyssey offers top-of-the-line amenities and services. It features a library, Ayurvedic massage centre, beauty salon, gym, business centre, and a conference room.
A Deccan Odyssey train journey is a wonderful way to learn more about the ancient folklore of civilisations and the reigns of dynasties that made their remarkable imprint in India's history. It offers comfortable and spacious cabins, dining and sightseeing facilities. You'll stop at cities such as Mumbai, Badami, Hospet, Bijapur and Hyderabad. Upon arrival in each of these destinations, you'll have a chance to explore the places.

3. Golden Chariot:
The Golden Chariot is a luxury train that offers its passengers the best immersive experience of South India. It features a lounge bar, LCD television, DVD player, Wi-Fi, and central air conditioning. It also features a variety of therapeutic massages onboard. From the cultural extravaganza of Karnataka and Tamil Nadu to the adventure hotspots of Goa, Golden Chariot travels down the enchanting routes of Southern India. The cabins reflect the rich heritage of the erstwhile Dravidian era and are furnished in a modern manner. Don't miss the opportunity to witness cultural and heritage magnificence with the taste of luxury with the Golden Chariot.

4. Ramayana Express:
Under the excellent initiative of "Dekho Apna Desh" of the Indian government, the Ramayana Express is not just a train but a treasure trove of knowledge and heartful experiences that will take you back to the mythological era.
This divine train originates from Delhi Safdarjung and covers all the major destinations related to Ramayan and Lord Rama, like Varanasi, Nasik, Chitrakoot, Rameswaram, and more. The entire tour duration is 17 days, and it is a fantastic opportunity to discover more about the colourful culture and the influence of the many miracles of Ramayana.

Heritage trains in India are not just tourist attractions but also an immersive way to experience the history and culture of the region. Though many of these trains have undergone changes over the years for the safety of travellers and technical advancements, they still maintain the charm and nostalgic feel of bygone eras. Still, for your safety and assurance, you may always opt for general insurance as a backup to cover your finances in case any damages are incurred during your trip.

Click HERE to buy general insurance to make your travel safer than the rest.

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.

The “work-from-home” culture has gained prominence in India since the beginning of Covid-19 in 2020. Now, this culture is picking up pace, and many companies are urging their employees to work from home, knowing its advantages for both employers and employees. However, there are endless distractions at home in the form of answering doorbells, chaos due to daily household chores, and the absence of a proper working environment. Kids can also take up much of your time at home and distract you from your important office work.

So, how can you set up your personal workspace at your home amidst all these problems? Here is a guide to help you design your “work-from-home” office with minimal distractions and more productivity.

1. Create a separate corner:
Create a separate corner for yourself at home for your personal workspace. It can be a separate room, if available, a corner of a room, or any other space that can be distraction-free. Do not hesitate to tell everyone in the household that this is your personal area for office work, and no one should encroach upon it, especially when you are busy.
Try to put a partition in your working area, such as a glass door, as it will help you keep it noise-free. Other house members will think twice before entering it while you are working, and you can concentrate on your work.

2. Whiteboard / Pin-up area:
Get a whiteboard or a pinboard that you can hang on a wall in your working area. Develop the habit of regularly making a to-do list and jotting down small notes. You can note down what you intend to do the entire day. Setting up small goals inspires you to work harder and achieve them. Also, by doing this, you will never miss any task or forget important things.

3. Make your work-area aesthetic:
Make your workspace at home aesthetic. Get the area painted with vibrant and bright colours that appeal to your senses and help you stay jovial. Decorate the area with small and beautiful showpieces. Make sure your space is well-lit and properly ventilated to give you a fresh feeling throughout the day. All this will help you stay active, sharp, and in a joyous mood, and you can concentrate more on your work.

4. Get a good ergonomic chair:
Working from home can mean sitting in one place for long hours at a stretch. Also, the chair present at your house will most probably not be suitable for work. Go and buy an ergonomic chair that can support your natural posture and help you to reduce the strain on your lower back. Get a good desk along with a chair. A good sitting setup can greatly help increase your productivity and motivation levels.

5. Buy the necessary equipment:
If you intend to create a “work-from-home” office and use it for a long time, you will have to invest in good technological equipment. This may require a high-speed wi-fi network, a good professional laptop, a printer, etc. Also, place shelves and drawers that you will need for keeping your necessary files, folders, and papers. This will make you more organised, oriented, and focused.

Creating a “work-from-home” office at home may appear to be challenging, but it is more fun to do if managed correctly. You need to dedicate your complete focus and concentration to your work. Hence, each family member should cooperate fully and not disturb you while working.

You must secure a separate space at home for your work if you want to continue it for a long time. A home is where you spend most of your time and make memories. While making your home a dedicated workspace, it is also crucial to plan and invest in its safety. Purchase reliable home insurance to protect it against any possible mishap or damage caused by fire, theft, and even natural calamities.

Click HERE to buy the best home insurance to safeguard your valuable asset.

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.