GENERAL INSURANCE BLOG

Diwali is a time for festivity and celebration. Everyone celebrates it differently; some will enjoy barfis and ladoos, some play cards, and others set off fireworks. While bursting firecrackers is often frowned upon due to the damage caused to the environment, it is still prevalent among a part of the population.

In addition to contributing to pollution, fireworks can be a nuisance to the general population. Imagine the days when you thought a rocket would invade your home.

When you feel frightened in your residence, how do you feel about your parked car in the building or on the road? In a space-constrained city, it is not uncommon for individuals to park their vehicles on the street. Therefore, disregarding the danger of stray crackers inflicting damage on your vehicle during Diwali is impossible.

If your car catches fire by the crackers, will you get insurance? To file a claim, you must first determine whether the risk is covered by your car insurer, as only policyholders with comprehensive car insurance may be eligible to do so. Let's examine the process your car insurance provider might take in this situation.

Does car insurance cover firecrackers damage?

The answer to whether or not comprehensive car insurance covers damage caused by fire is "yes." This feature is subject to a few specific criteria.

For instance, if you have standard car insurance coverage that covers liability toward third parties, it will not cover the damage. However, if you have paid more and opted for comprehensive insurance, the policy will cover incidents of such nature.

You may get all the information concerning the terms and conditions of the plan from your insurance provider. If you prefer, you may look through the insurer's website, call them, or email them to express your interest in learning more about their car insurance policies.

Comprehensive car insurance coverage:

To address this question, it is necessary to take a step back and examine the concept of automobile insurance in India. According to India's Motor Vehicles Act, all vehicles must be insured to be legally driven on Indian roads. Vehicle owners must insure their vehicles with a third-party plan, which covers the owner's obligation towards third parties or properties harmed due to the covered vehicle.

With comprehensive cover, vehicle owners have access to the additional feature. This plan meets the necessary coverage standards (it contains liability coverage) and provides damage coverage. The insurance provider will cover damage to the insured vehicle, which is not the case with a liability-only policy. Comprehensive car insurance covers fire, theft, and natural disasters.

However, for a comprehensive plan, you must pay a higher premium. The compensation for such a plan varies depending on the insurer.

Therefore, it is essential to conduct research and compare plans before purchasing car insurance. The luxury of the internet and smartphones have simplified this process considerably. A few minutes are required for research, followed by quick steps to buy and review the policy's information, and that's it. It is so simple and convenient!

If you have a comprehensive car insurance policy, then you are eligible to claim on your policy. Your claim will be successful if your car catches fire due to firecrackers and the vehicle is damaged beyond repair. It will reimburse you for the total value of the vehicle.

It is vital to note that you may not have a valid claim if your car catches fire, and you can repair it for less than what would be covered by the comprehensive policy. So, this Diwali season, let's invite happiness with the joy of festivity and reliable insurance coverage.

Click HERE to buy comprehensive car insurance to protect 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.

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.

Side hustles are the new rage that has taken over the world in recent years. Irrespective of one's age, many resources on the internet can guide you to finding the perfect side income generator. There's an idea for everyone, from remote online jobs to small-scale dropshipping businesses. And all this depends on the investment you wish to make and the time available.

Suppose you are intrigued by putting in a few hours of work from your schedule into a business that does not require much capital and involves engaging with young children. In that case, a babysitting business may be what you're looking for. While specialised businesses provide similar services, you can even run it from home, catering to your neighbourhood clients.

All you will need is some basic know-how about babysitting and a secure home covered by the best home insurance policy in India. Insurance is important to safeguard your most valuable asset from uninvited circumstances.

Here are some tips to kickstart your babysitting business from home.

1. Is babysitting a viable business?
The first thing you must consider before starting any business is the expected returns. A babysitting business based out of your home is akin to a profit-making machine from inception. Your client base would be limited to your locality, and you can save on the most significant expense of renting a space for business.
Since it is a home-run business, you can decide on the specific services provided with minimum cost, making it a profitable business. Based on your services and client reach, you can expand your business quickly by following our tips.

2. Spread the word:
We live in a world where purchases are primarily affected by customer reviews. Therefore, making your brand known and getting the first few clients is essential. The first step to starting your babysitting business is to create an advertisement that looks similar to a resume.
Its primary purpose is to build trust and inform potential clients of the services offered. Pick out timings and offerings that are customer-focused which entice the people to enquire about your business. The key to scaling a home business is to create awareness and hype about it.

3. Precisely describe your services:
Be very specific when providing details regarding your services. Ensure that you specify the age groups you cater to, what timings you babysit for, and every service you intend to deliver. This could include pick-ups and drops, meal provisions, or extra academic attention to older kids. Also, state the exact pricing per hour to avoid confusion.

4. Get additional training:
While certifications are not necessary for babysitters in India, a professional certificate of approval works wonders in building trust, authenticity, and credibility. There is no official comprehensive course you can get to make you better at the job. Look for short-term classes on child development, medical training, and other relevant studies that can help your business.

Finally, get your house ready…
Babysitting is a job that requires excellent trust from parents in their chosen babysitter. Even when babysitters volunteer to provide their services at the client's home, a thorough interview and background check is conducted on potential service providers. Expect the same for your business. Encourage interested parents to check out your place of operations for reassurance while showcasing your confidence.

Before you fix a date:
1. Ensure that you have made all the necessary arrangements.
2. Keep your home tidy and safe for kids of all ages.
3. Have some engaging toys on display and recreate the general atmosphere of a daycare business that is exciting and safe for kids. You should also consider purchasing the best home insurance policy in India since your home is no longer just a residence but also a fully functioning business.

Following these essential tips, you can start your babysitting business from home and eventually cater to a more extensive clientele!

Click HERE to buy 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.

India is a diverse country with rich history, culture, and traditions, making it a worthy place for tourists. The tourism industry of India has been booming in the last couple of years and is marking a strong comeback post-pandemic. People from far and wide are visiting the country to witness its beauty, elegance, and charm. From the grand Taj to the charming little town of Darjeeling, India receives immense tourism every year.

The travel sector in India is upgrading itself to satisfy the changing requirements and interests of travellers. One such emerging aspect is ecotourism. Ecotourism is one of the growing segments of tourism in India. If you want to know more about ecotourism, this article is for you.

When embarking on an ecotourism journey, ensure that you prioritise your safety. And you can achieve this by purchasing online general insurance to add a safety net to your travel.

What is Ecotourism?
The main objective of ecotourism is to focus on mother nature and promote the ecosystem's sustainability. It facilitates a healthy relationship with nature and its elements to ensure that tourists spend more time preserving the environment. It promotes sustainable activities that are mostly outdoor and prohibits any action that can harm the environment.

Why is Ecotourism gaining pace in India?
India has a diverse variety of flora and fauna and is home to several zoological parks, wildlife sanctuaries, national parks, biological reserves, and botanical gardens. The country has been able to save its natural beauty till now.

With ecotourism, it aims to do it further by maintaining and promoting sustainable activities not only in wildlife sanctuaries but also in high mountains, and lush green valleys.

What are the advantages of Ecotourism?
In a naturally rich country like India, ecotourism is an ever-growing tourism segment. It also encourages plenty of other natural initiatives that contribute to the well-being of the ecosystem. The several advantages of eco-tourism are:

● The sole preservation of flora and fauna

● It generates awareness about the tribal communities and brings them into the limelight

● It is a significant platform for raising awareness about social and environmental issues in a particular area

● It is a great field for generating revenues. The revenues earned here can be utilised in the development of the country

● The remote and lesser-known areas of the country are developed under eco-tourism

● Tourists are made familiar with the diverse species of flora and fauna thriving in the country

● Tourists spend more time outdoors with nature and communities

● It develops a loving relationship with nature

Ecotourism is gaining momentum rather quickly in India. In the coming years, you can expect it to emerge as a pivotal activity that preserves the heritage and maintains sustainable tourism at local destinations. If you're a nature lover or love exploring the unknown, then ecotourism will greatly benefit you. You can undertake many activities, including trekking, camping, cycling, hiking, bird watching, wildlife photography, and farm stays, among others, to feel one step closer to nature's unmatched beauty!

You must understand that safety is paramount regardless of the destination you go to for your next ecotourism vacation in India. You can achieve this by investing in an online general insurance plan that caters to all your travel safety needs.

Click HERE to buy an online general insurance policy.

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.