GENERAL INSURANCE BLOG

The breakout of the Covid-19 pandemic brought the whole world to a halt. The auto industry suffered as people were majorly under lockdown across the globe. Usage-based insurance has been at the forefront of the auto-insurance market for some time now. And during the pandemic, it took the front seat as people felt that it was more economical than other insurance policies.

As the demand for personalised services increases globally, usage-based car insurance is becoming popular among car owners. People feel the need to be rewarded for driving safely, causing no accidents and following safety guidelines, unlike those who drive rashly.

While the basic concept of usage-based insurance seems accommodating, it is essential to know its benefits. Let's understand the working of usage-based car insurance and how it can be helpful. We will discuss the advantages of the insurance for you to make an informed decision.

1. Lower rates:
The usage-based car insurance caters to the human tendency of wanting to be rewarded for good performance. The associated discounts that come with this insurance include special price cuts based on the applicant's driving skills. Hence, usage-based insurance is among vehicle owners' top choices when getting insurance.

2. Driving behaviour is a substantial contributing factor:
An individual's driving habits and behaviour may change when they have co-passengers. A tech gadget called the telematics device helps you ensure that your concentration remains on the road. It alerts you about problematic and rash drivers on the road. Improper driving decisions account for consequential higher payments for the insurance as the penalty.

3. Tracking is enabled and easy:
Insurance-approved trackers make it easy to locate the vehicle and alert you when it leaves the set area. The devices also allow you to set specific regulations, for example, the speed limit. It will send you alerts when the vehicle crosses the specified speed limit. It helps parents track their children's driving habits and ensure their safety. It also proves beneficial for companies to monitor their cars and follow the routes they've been travelling.

4. Helpful in investigations:
The insurance-approved trackers and GPS devices track the vehicle's locations at different times. In case of accidents, they help make the investigations easier by providing the data from these devices. The investigation teams and authorities can gather all the data about speed, location, acceleration, etc., up to the moment of the accident and claim accordingly.

5. More features:
The platforms which provide usage-based insurance have a lot of other features apart from the ones we've discussed. Other tools and features will help you monitor your driving habits and stay safe on the road.

The usage-based car insurance includes other parameters like age, financial status, gender, profession, and the evaluation of your driving skills. There is a base price over which you may receive potential discounts according to your skills. Unsafe driving gets penalised with higher prices.

We hope that this article helped you understand the working of usage-based insurance and how it can be helpful. A more convenient option for protecting your cars against damages is purchasing a car insurance policy online. You can always compare various policies and grab attractive deals, and additional features on car insurance as per your requirements.

Click HERE to know more to buy car insurance policy 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.

Vertigo is a widespread illness that affects roughly 15% of the global population and is often a symptom of a more serious health problem. A deceptive impression of motion, spinning, or feeling of unbalance denotes vertigo. Vertigo comes in various forms, and subduing the sign is not the solution.

An accurate diagnosis of what induces vertigo is viable only when the doctor makes a systematic examination. Although vertigo is a typical concern affecting people of all ages, it is observed that older adults experience this more than younger ones. That is why you must purchase trustworthy health insurance in India for parents to cover them under a financial safety net.

If you or your parents are suffering from vertigo, there are certain things you may do at home to alleviate the symptoms and lessen the impact on their bodies.

These are some of the home remedies.

1. Managing stress:
Stress can trigger some vertigo-causing disorders, such as Meniere's disease. Developing coping methods to deal with stressful situations may help you have fewer vertigo attacks. An ideal situation is to start with meditation and deep breathing methods.
Long-term stress isn't something you can breathe through, and the sources of stress aren't always easy to eliminate. Simply being aware of what is causing the stress may be enough to alleviate your vertigo symptoms.

2. Hydration:
Even mild dehydration can trigger vertigo. Drink an ample amount of water to keep your body active and avoid lethargy. The body craves 8 to 12 glasses of liquids every day, so water is the most suitable choice because it has zero calories or caffeine.

3. Vitamin D boost:
You might be right if you think your vertigo is caused by something you aren't getting in your diet. BPPV is the most frequent type of vertigo, which is commonly caused due to deficiency of vitamin D. Always check your vitamin D levels with your doctor to see whether you need to increase your intake or take supplements.

4. Acupressure:
Acupressure uses the same principles as acupuncture but without the need for needles. The P6 acupressure method, for example, involves a pressure point located in the two tendons between the inner forearm and the wrist. It provides relaxation and is effective in multiple ways to lower vertigo symptoms.

5. Exercise:
Yoga and tai chi reduce stress and improve flexibility and balance. Physical therapy in an outpatient setting teaches your brain to compensate for the cause of your vertigo, and home exercise can help you achieve the same result. Try easy yoga stances when you're dizzy. Avoid anything that requires rapid bending forward because it may boost your vertigo symptoms.

Vertigo is usually an indication of a more serious health problem. While treating vertigo at home can be quick, if the symptoms persist or become more severe over time, get medical help right there. Severe health problems can strike without warning, leaving you in a financial bind.

After a certain age, parents experience this problem due to several factors. Diagnosing the problem at an early stage is the best way to treat vertigo before it develops into a severe health condition. Choose proper health insurance in India for parents to cover them for medical or hospitalisation expenditures and provide a healthy and happy life.

Click HERE to know more about health insurance in India for parents.

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 know the challenges of driving these days, no matter where we drive. The roads are raided with potholes, many drivers do not follow traffic regulations, and the unmaintained roadways are challenging to manoeuvre. While evading stray animals, pedestrians, or even rash drivers, we often come too close to getting into serious accidents. As per a report, over 4.37 lakh accidents occurred on Indian roads in 2019. Clearly, even after years of experience in driving and having a focused mind, several people in the country still get into unfortunate crashes that ruin their lives and the lives of their loved ones.

While you can take several precautions during driving, you can also install safety devices that help enhance your degree of protection. Using a dashcam while driving can play a vital role in providing security on the road. Let's understand how.

What is a dashcam?
A dashcam or a dashboard camera is like any other compact camera designed to give the car's occupants a clear view of the road ahead. The camera is positioned on the windscreen to record the road ahead and placed on the back of some vehicles to record the rearview. This camera starts recording as soon as you start the car or push a button.
The driver can view all the movements and incidents happening not only on the road ahead but also behind on a monitor installed inside the car. You can view the proximity of the vehicles around you, giving you a better edge at driving.
As a great convenience, the recordings on the dashcam can be saved on an SD card. You can access this footage as proof material in case of accidents.

What are the benefits of using a dashcam while driving your car?
No matter how many years of driving experience you have, you will never know when a dangerous accident might occur. Drinking and other destructive behaviours behind the wheel are vastly known to take innocent lives. Besides the fatalities and injuries, several vehicle damages and monetary losses are also incurred. A dashboard camera can help in several such situations:

1. A dashcam can assist the police in punishing the offenders in accidents by providing viable evidence. They can access the footage from the dashcam to view the factual occurrences rather than basing a case on mere statements.

2. A dashcam can be highly cost-effective. It can prevent the daily wear and tear that your vehicle might suffer from on the road by giving you a well-rounded view while driving, taking turns, and parking.

3. If you want to buy new car insurance, look for plans that offer a discount for installing a dashcam. Insurance companies recognise the benefits of this device. They sometimes provide a hefty discount on your premium if your vehicle is equipped with one and if you ensure other safety measures too.

4. Dashboard cameras are highly effective in promoting safe driving. They allow you to keep an eye on the rearview and side mirrors and foresee crashes or bumps.

The dashcam is proven to play an essential role in securing your personal as well as your vehicle's safety. There is a wide variety of dashcams available in the market. Invest in a good quality one to safeguard your future and ensure a quality driving experience. Remember, dashcam provides you advantages like lower premiums when you buy new car insurance as it can assist with settling claims quickly.

Click HERE to buy new car insurance for the additional safety of your car.

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 can be daunting to have your car breakdown in the middle of nowhere, even worse if it's raining or pitch-black outside. Roadside assistance is a lifesaver in such situations and something you should consider while investing in a car insurance policy.

Every car owner in India is required to have insurance. The critical piece of paper in your car's dashboard keeps you from getting a ticket and helps you arrange your finances. You can also buy car insurance online to protect yourself from financial stress in such situations.

That's not all, though. Car insurance add-ons protect you from the high costs of repairs and maintenance. One such add-on is roadside assistance.

Let's talk about this cover and why it's so important.

What is Roadside Assistance?
Roadside assistance (RSA) is an optional coverage that helps you when your car breaks down. Some motor insurance companies include this protection as a standard feature, whereas others provide it as an optional add-on that the car owner can choose to purchase. RSA coverage does not count as a claim on your primary insurance policy if you need quick assistance.

How does RSA work?
Call your car insurance company for assistance, and a crew will arrive at your location in no time. Almost all services are free, but you may have to pay a fee in some cases. For example, if your vehicle needs to be towed, you will have to pay for it. Some companies also offer taxi services to your next destination.

What benefits does RSA offer?
The roadside assistance feature covers a wide range of circumstances, including the following:

1. Suppose you face a flat tyre issue. In this case, a mechanic will trace your location and arrive at the spot. The mechanic will inspect the situation and replace the flat tyre. If needed, your car might be towed to the nearest garage for better servicing. It saves you from looking for towing vans or garages to fix your vehicle.

2. Your car's battery might drain. Here, a mechanic will arrive on a call and assist you in jump-starting your vehicle and bringing it back on the road. This is one of the best benefits offered by RSA insurance, especially when you're travelling alone.

3. Suddenly running out of fuel can bring an annoying situation to you. However, the RSA insurance policy allows you to request 5 litres of fuel to reload your tank without any hindrance.

4. RSA covers breakdowns that require minor repairs on site.

5. If you lose your keys while on vacation, the insurer will help you get a new set of keys if you're within the reach of an approved limit of Kms.

6. The insurance company will arrange for immediate and safe towing to a nearby garage or authorised automobile centre in case of an accident.

Typically, roadside assistance services come with a different premium, depending on the plans chosen, the number of services required, and the size of the geographical area covered. Having a roadside assistance add-on can save you significant money in service fees. So, buy car insurance online today to safeguard your car and yourself in emergencies and ensure the best coverage for your possession.

Click HERE to know more about car 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.

With those delicious ice creams and mangoes, the warm summer months can provide a lot of joy! However, it's that time of year again, when we sweat through our pores and anxiously wait for the rains to come. Even for the most experienced of us, summer in India can be harsh, with increasing global warming and climate change contributing to it. It can be hazardous by increasing the risk of heatstroke, in addition to making us feel exhausted and sapped.

It is usually best to spend most of your time indoors if the temperatures are too high outside. However, this is not possible all the time. As a result, being well-prepared for the summer heat is the best approach to protect ourselves from it. While there are some precautions to avoid falling sick in the extreme summer heat, a health insurance plan is always noteworthy protection against any health ailment.

So, here's a list of some of the most simple and effective ways to protect yourself against the harmful effects of severe heat on your body.

1. Dress light:
Light, comfortable clothing is one of the most effective approaches to beat the summer heat when you're outside. Stick to lighter colours and breathable textiles like cotton. It will not only keep you cool and comfortable, but it will also prevent skin infections and irritations caused by skin-to-fabric friction. On the other hand, wearing dark-coloured clothing, such as black or brown, absorbs the sun’s rays, making you feel more burning than usual.

2. Rehydrate:
To compensate for the fluids lost from sweating, you need to drink plenty of water. Don't wait till you are thirsty, as it is not always a direct indication that your body requires more water. When exercising, tiny sips of liquid are preferable. The most excellent solution to restore lost fluids is water. If you sweat a lot, use water with salt added to it. You may also drink fresh fruit juices to keep yourself energetic, active, and fresh during the retiring summer days.

3. Eye gears:
Excessive exposure to the sun might harm the eyes permanently. One of the most common causes of unpleasant headaches is exposure to intense sunlight. Wear a good pair of sunglasses that give UV protection to safeguard your eyes and vision. If you use prescription glasses, you should look for lenses with an additional layer of UV protection. Also, after a long and exhausting day in the sun, applying an active cooling gel eye mask can provide significant comfort to your eyes.

4. Light diet:
Always choose a light diet over a heavy one. Fried and fatty foods impede the digestive system, negatively impacting general health. During the summer, stick to soft foods, particularly raw vegetables. Avoid alcoholic beverages, tea and coffee, which can promote dehydration. Tea and coffee inhibit the functioning of antidiuretic hormones, making you go to pee frequently.

5. Prevent skin damage:
It's impossible to overemphasise the need of wearing sunscreen, especially on hot days. Choose a sunscreen with an SPF of 15 or higher appropriate for your skin type. Apply it for at least 30 minutes before going out into the sun. Try to wear full-sleeved clothes to avoid direct contact of your skin with the sun’s rays.

With its longer days, lovely blossoms, and evening breeze, summer comes with its own set of experiences, which we cannot avoid. We must be particularly cautious about our health and ensure that the heat does not suffocate us. The steps outlined here are for prevention and should be added with extra protection by the best health insurance if things don't go as planned. Stay safe this summer.

Click HERE to know more about health 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.

People implemented many natural techniques to strengthen and maintain luscious and smooth hair in olden times. With the advancement of technology, many new factors came into the picture regarding hair care. Pollution, improper nutrition, and a hectic lifestyle are some of the main constituents determining your hair's health. But these elements might not be the only reason you might experience hair issues.

A lot of people complain about severe hair fall, receding hairlines, thinning of hair, split ends, etc. These are painful issues faced by people of all age groups and genders. And while medicines and specific treatments might work for some, that is not a feasible solution for everyone.

A lot of people think about going for a hair transplant. But before taking that step, you need to be aware of what to expect from the procedure.

Here are a few things you need to know if you consider a hair transplant.

1. Categorize yourself:
It's crucial to check all the boxes regarding eligibility to get started with the procedure. Though this procedure is not extensively invasive, the doctor needs to inspect the type and pattern of your hair, baldness, your health parameters, donor availability and quality. Make sure that you have realistic expectations regarding the results of this process.

2. Precautions to be taken:
There are several things you'll need to consider before beginning the process. These include the cost, results, and the products you'll need to use afterwards. Your doctor will give you a complete rundown of the procedure and the precautions you'll have to take beforehand.

3. Recovery:
Your scalp might feel tender or swollen after the procedure, in which case, the doctor might prescribe specific dietary instructions and medicines. Antibiotics and anti-inflammatories medicines may help reduce your scalp issues and avoid infections. Zinc, iron and B-complex vitamins promote hair growth, so you must ensure to make them a part of your diet.

4. Research about the clinic:
It is essential to ensure that the clinic you'll be going to and the doctors performing the surgery are experienced and well-equipped. Many patients have terrible experiences after getting lured in with huge discounts and low prices and having their treatment done by less qualified doctors.

5. Types of transplants:
There are several hair transplant procedures you must know about. Follicular Unit Extraction (FUE) is a process in which the surgeon clears the donor area of your head and then extracts hair follicles individually with a microneedle.

The next type is Follicular Unit Transplantation (FUT), in which the hair dissects a long strip of scalp from the donor area into 500-2000 follicles. These follicles are then placed into tiny cuts made in the recipient area.

Direct Hair Implantation (DHI) is a smoother process in which an implanter is used to implant hair into the recipient area from the donor portion of your scalp.

These are a few things you should know before taking up a hair transplant. And while we are discussing health conditions that might lead to severe hair loss, you also need to think about your wellbeing and ensure your protection against other health ailments.

Health is unpredictable and can drain your pockets heavily under certain circumstances. We recommend you cover your health with an ideal insurance plan, and rest assured. A wise option would be to purchase online health insurance, which would cater to your needs and take care of your expenses. You can explore multiple deals online, but carefully go through all the details, terms and conditions and then purchase a policy that offers the maximum benefits.

Click HERE to know more about how you can buy online health 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.

Clear text and handwriting create a good impression on the person reading what you have written. While improving your handwriting was mandatory during school days, many people have taken this up to a higher level and started learning calligraphy recently.

Calligraphy is a type of art where you design and execute the writing elegantly. It is an ancient art form that is now making a huge comeback and gaining massive popularity. You can use a pen, ink or other writing instruments to practice calligraphy. Many people have structured their small businesses around drafting wedding cards, greeting cards, frames, posters, etc., in beautiful calligraphic styles.

Are you interested in calligraphy and want to improve your art? Here are a few tips and tricks to enhance your skills.

1. Draw your letters:
Do not consider calligraphy as writing sentences. Think of the words individually. Visualise what your whole sentence would look like and how it would make you feel. Structure that in your head, and then draw the letters beautifully. Make them interesting.

2. Which pens to use:
Before practising your strokes and letters, you need to understand the type of pens and nibs you would have to work with to attain a specific style. It would be best to opt for tools that suit your expertise. A beginner shouldn’t use the most traditional and expert-level tools and stress themselves.
Modern calligraphy gives you the liberty of starting with a pencil or a ballpoint pen. Once you move past the initial levels, experiment with different nibs, pens, and the intricacies that would come along and the strokes that would go with them.

3. Choosing the suitable sheets is important:
Try to look for the proper practice sheets that suit your skill level. You can either go for the sheets, which would help you practice tracing the letters or practice using reference sheets where you have to independently try and copy the style of the letters on a blank sheet. Many sheets have a base, a certain height and letters you can trace and draw for practice.

4. Be careful about spacing:
You need to ensure that the words and letters have equal spaces between them. Regular practice will help ensure consistency in writing. Dedicate time to writing and give special attention to the spacing between the letters.

5. What about the writing angle:
Find patterns in the script you are using as a reference. Using the correct writing angles helps you achieve a specific lettering style and pattern. (The angle here is the angle that you are writing at)
Many practice sheets come with a reference or an information box regarding the writing angle. Read the information carefully and accordingly implement it while writing.

6. Begin with modern calligraphy:
Modern calligraphy (also known as faux calligraphy) is easier to start with. There is no usage of traditional tools, and you can start with as simple a tool as a pen.
You don’t have to deal with the daunting tasks of understanding dip pen brushes, multiple strokes created by applying different pressure levels, etc. Faux calligraphy takes a more practical approach.

That’s a wrap on a few tips and tricks to enhance your calligraphy! Did you know that the art form of calligraphy helps improve your mental health? It is considered to be therapeutic and relaxing. Daily busy schedules and hectic routine life can take a toll on your mental and physical health. Indulging yourself in activities like calligraphy can do wonders.

Health is unpredictable, making it crucial to safeguard it with insurance to smoothly deal with unfortunate health emergencies. You should never compromise with your health. Therefore, select the policy that comes with the best coverage and long-term benefits. Explore your options and then purchase the best health insurance policy in India.

Click HERE to know more about buying the best health 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.

We usually hear that last-moment plans are the most exciting ones. But, they come with their challenges. Making these plans and executing them are two different things. Either you compromise on your destination or pay extra for airfare, hotel stay, etc.

We always end up figuring out ways in which we can reduce the overall expense during the course of our travel and finding cheap alternatives to the otherwise exorbitant pricing of the peak season chaos.

This article will discuss a few tips and tricks that you can use to book cheap tickets for your next vacation and spend those extra bucks on good food and shopping

1. Picking the right time:
This is the simplest way to save some money on flight tickets. Booking way ahead of your actual travelling date ensures that you get the cheapest option. A common trend is to book your tickets anywhere between fifty to sixty days before your trip.
The closer you are to the travelling dates, the higher are the prices. The fares are generally the highest during the last two weeks before the flight.

2. Be flexible with your timings:
Airlines generally tend to charge less for early morning or late-night flights. Although it can be a little uncomfortable, you can see a reduction of up to twenty per cent from the actual prices when you make a booking for the wee hours.

3. Clear your cookies:
Based on your internet search history, airfares increase if a particular commute route is repeated often. Clear all cookies from your browser. Another alternative is to use the incognito mode.

4. Opt for low budget airlines:
Low-cost airlines aim to attract more passengers by significantly reducing their fares. However, choosing a low-cost airline means you will need to compromise on other aspects such as legroom, food onboard, etc. But this is a foolproof way of finding cheap tickets even at the last moment.

5. Use multiple websites:
Surfing through various websites to figure out the lowest fare is another easy way of securing cheap tickets. Sometimes, websites fail to share all the flight options on a particular day. Hence, it is good to look through at least 3 to 4 websites to get the best prices and deals.

6. Use alternative routes:
Booking direct flights can be expensive but hopping flights can save thousands on the ticket. If you're flexible with your timings and routes, hopping flights are the best to offer you cheaper flight options.

7. Use debit and credit card offers:
Various special offers are always running on your cards throughout the year. You can get reduced fares and cashback by using these cards while purchasing your tickets. To look for offers associated with your card, you can directly go to the website or do a quick google search.

These are a few tricks that will help you find cheaper airline tickets. Remember that cheap tickets can also mean compromising on other aspects of your travel. There might be hidden costs, baggage restrictions, inconvenient departures, or a luggage mixup.

Before you set out on your trip, you must buy general insurance. This will act as a safety net if you face any issues during your trip. Buy general insurance online to avoid the last-minute chaos and get the financial protection and other benefits to make your trip more enjoyable!

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.