GENERAL INSURANCE BLOG

Owning a car is not an easy task. You need to check the car features, mileage, prices, road safety, inner functionalities, maintenance, and servicing are a few things on a very long list. And one of the most critical points on this list is insurance. It would be best if you keep up with the premiums and renewal dates. Not everyone has sufficient information about insurance before they purchase it. This is why you must gather all the pointers from your insurance provider or agent before exploring your options.

Are you looking to purchase insurance and trying to understand the options? Are there any differences based on the type of car you own? Well, this blog is all about how different types of car engines impact insurance costs and will help you gain better insights about car insurance before you get one or switch your insurance policy.

1. Let’s discuss different engine sizes:
A car engine has two main parts: a few cylinders and a piston. And as we are aware of the combustion process where the fuel goes through the burning process in the cylinder. This provides sufficient energy for the piston to function, and through various connected mechanical systems, the generated power helps you drive the car.
Car engines are segregated according to the fuel volume of the cylinders. They are classified as under 1.0-litre, 1.0 to 2.0-litres, 2.0 to 3.0-litres and 3.0-plus. Diesel engines have a similar classification, except there will be no car with a less than one-litre engine capacity.

2. How do different engine sizes impact your insurance costs:
The power of your car majorly depends on the size of your engine. If your vehicle has a big engine, it is considered powerful. And this ultimately means that your car insurance will come under the higher tab/group. And if your insurance group is on the higher end, your insurance is bound to be expensive in most cases.
Exceptions to the size point discussed above are cars with turbocharged engines. These engines are extremely powerful and packed. Hence, they are smaller in size. A machine with a one-litre capacity today will usually be turbocharged. But since it provides a power-packed performance, the turbocharged engines are expensive, which raises the price of your insurance too. However, check with your car insurance company if your policy covers turbocharged engines.

3. What does it mean to have a powerful car:
Chances are that if your car comes under the category of powerful vehicles, it has an engine that delivers high and fast performance and reaches top speeds within seconds. Thus, there is a prediction that the thrill might make you more vulnerable to road accidents, making your car more prone to damages you will claim on your insurance policy.
This cycle raises the price of your insurance because the compensation for your claims about your powerful car will be bigger too. A similar process goes with expensive cars. The fancy technology, the sky-high prices, and the threat of your expensive vehicle getting stolen push the cost of your insurance.

But other factors are involved in determining your insurance and premium prices, including your driving history. Look for the best car insurance company in India that provides premiums and benefits perfectly matching your requirements.

And while we are discussing car insurance, claims, and premiums, you need to understand the importance car insurance holds. Especially if your car ends up being part of an accident or unfortunate circumstances, insurance will come in handy to keep you financially stress-free. At the same time, you focus on getting your vehicle fixed and resolving the situation. So, you must purchase your car insurance from the best car insurance company in India.

Click HERE to learn more about the benefits of the best car 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.

Road trips are one of the best ways to rewind after a hectic work schedule. With the constant work-related stress of life, it's imperative to get out of your house once in a while to gain a fresh mindset and increase one's productivity. For women especially, such trips at least once a year are vital to set free and get rewarded for all the hard work. But whenever travel and women come together, emotions go out of bound. From planning the itinerary to packing up stuff, the excitement of the trip can be felt way before its commencement. However, packing can be quite a herculean task in itself.

Deciding which items are essential during a road trip can be confusing. Following are a few packing tips that can be a saviour for women travelling solo or in a group.

1. Luggage:
Handbags are a woman's best friend on a road trip. Lugging around your suitcase on a road trip does not sound ideal for anyone, especially on road trips where you're constantly on the move.
The primary concern with a handbag full of stuff is that they take a toll on your shoulder and hands, which is easily avoidable if you take a backpack that fits your body correctly. This helps the weight to get evenly distributed across your back.

2. Clothing:
It is recommended to bring as few clothes as possible without running out of options of clothing to wear. Select the clothes in such a way that you can mix and match them to make different combinations.
It's always advisable to bring a higher number of undergarments, though, as there might not be a lot of opportunities to clean clothes along the way.

3. Toiletries:
Bring along your toiletries in a small, travel-friendly pack and keep it in an accessible place so that it is not a hassle every time you stop at a hotel for a night's stay.
Most hotels provide bare essentials, but it's always best to carry your own. Bring along minimal makeup for the trip in sample-sized containers to avoid it taking too much space in your luggage.

4. Entertainment:
Road trips can get a little boring at times, with endless roads to travel before reaching the destination. When looking out the window to see the scenery becomes too monotonous, you need a good book to read to pass the time.
So, get that book you meant to read for the longest time along with you in your backpack. If you're travelling with friends or family and looking for a group activity, blast your favourite playlist in the speakers to make a memorable ambiance in the car!

5. Safety products:
As a woman traveller, the top priority is safety. It can be unsafe for lone female travellers to travel on deserted roads to unknown places, especially at night. But that's no reason to stay holed up in your house all year. Getting a lock for all your belongings is essential to prevent them from getting stolen.
Also, for your personal safety, get a personal alarm that rings loudly if you press it. This is a better alternative to pepper spray as it is legal in all countries and is small and easy to carry around. Also, check up on your private car insurance India to have a backup in case your car breaks down in the middle of the trip.

Road trips can be an exhilarating experience for those who want to rejuvenate themselves after monotonous weeks of work. You can make packing less daunting and more enjoyable by bringing the above tips into practice. If you are travelling solo, then get your car serviced properly before setting off on the trip. Also, check the crucial documents like your driving licence, car's PUC, and insurance papers. Be up to date with your private car insurance India to stay stress-free during the trip. Happy travels!

Click HERE to know more about private car 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.

It’s the time of the year when the weather is most unpredictable. You might wake up to scorching heat, and the moment you decide to head out for your grocery run, it’s raining. The uncertain weather is not the only annoying part of the season, but the hoard of illnesses that it brings with itself is more frustrating. Runny nose, body temperature and shivers, sore throat, and the list goes on.

This article will look at a few ways to ensure good health and boost your immune system during the climate transition phase.

1. Increase your probiotic intake:
Probiotics are microorganisms that promote the better health of your gut. Since almost eighty percent of your immune system is based on your gut, it is essential to keep your gut healthy. Probiotics improve the digestive health and the immune system of your body.
Your gut comprises millions of bacteria, and probiotics are responsible for finding the balance between good and bad bacteria. Certain strains of probiotics can also help mitigate the effect of allergies and inflammations. Fermented foods such as yogurt, idli, paneer, etc., are excellent probiotic sources and must be part of your daily routine.

2. Sunlight is important:
Natural sunlight is the best antidote to everything. Fifteen minutes of direct sunlight changes your mood instantly and makes you feel healthier and more refreshed. It helps maintain the biorhythm of your body. Vitamin D, commonly known as nature’s flu shot, is found abundantly in sunlight and is crucial for the immune system. Not only you but your rooms should also be subjected to sunlight.
Sunlight acts as a natural purifier and kills germs and bacteria. Keeping your windows and doors closed makes you breathe stale and humid air. Fresh air and abundant oxygen supply are imperative for the good health of everyone inside the house. Research also suggests that one can sleep better if exposed to the sun for at least ten minutes daily.

3. Eat as many vegetables as you can:
Green vegetables are rich sources of Vitamin B, which is important for cell regeneration and DNA synthesis. They contain low calories and a high fibre content that is considered extremely healthy for your overall gut and bowel health. Vegetables are full of minerals vital for your body to work properly for a long time. You may try out a few interesting recipes for vegetable soups and salads to add flavour to your diet.

4. Regular exercise is the key to fitness:
The benefit of exercising regularly is a piece of common knowledge for everyone. If you do not wish to spend hours at the gym working out, you can opt for moderate exercise.
Walking, cycling, climbing stairs, etc., are some simpler ways to incorporate physical activity into your daily life. Ideally, achieving ten thousand steps is considered best for your body. But you can start with two thousand steps and gradually work your way up to ten thousand.

5. Steam:
Since most of the diseases during this season are either colds or flu, steaming is an excellent way to clear your respiratory passages of bacteria or viruses. Climate change also tends to dry out the mucous membranes that can affect the air and blood flow. Steaming can help loosen the mucus lining inside your lungs and nose.

These are some ways to ensure the health of yourself and your loved ones. These tips are helpful for everyone, irrespective of their age or gender. Encourage the elders at your home to walk outside for their better health. Aged members of the family suffer the most during the season transition phase. Another effective way to ensure the good health of your parents is to buy health insurance. Invest in the best health insurance in India for parents and give them the confidence to stay fit without any worries about finances.

Click HERE to buy the best 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.

The youth of today believe in capturing every moment. Thanks to technology advancements, photographing a memory takes only a few clicks. With the onset of the age of social validation, clicking unique pictures is the way to stand out in a crowd. People have gone to lengths trying to capture a perfect moment. The results are sometimes outstanding and, other times, an invitation to danger. In this article, we will discuss how selfies have taken a dangerous turn in the past and how to look out for your safety while clicking pictures.

Over the years, we have seen a rapid rise in the use of mobile phones in the country. Be it for communication or the accessibility that a phone brings, people of every age group have invested in a smartphone. What comes as a shock is that India has a record number of deaths caused by selfies. News about people drawing, falling off a cliff, and car accidents became part of our daily lives.

How do we avoid these situations? Let's take a look at how.

1. Maintain a safe distance:
If you intend to take selfies on a bridge or a high-rise area, it is best to maintain a distance of a few feet to ensure your safety. The weather at such locations is highly unpredictable, making the site more challenging to manoeuvre. Avoid leaning too far, and stay away from the railings. If you want to catch the view more closely, invest in a sturdy and good-quality selfie stick that can be extended further. This way, you can rest assured that you are getting the best picture while being safe and responsible.

2. Avoid busy roads:
The roads in India are almost always crowded with people and vehicles. Everything starting from pedestrians to rickshaws and trucks, take the same road. To avoid congestion and accidents, avoid taking selfies on overcrowded roads. Not only are you putting yourself at the risk of getting hit by a vehicle, but you are also running a risk of mugging and robbing. It is best to keep your phones and cameras inside your bag for safekeeping.

3. Avoid water bodies:
The beautiful picture of water washing your feet and waves crashing from across is a sight to behold. But did you know that most selfies-related accidents occur by drowning? If you want to take images around beaches, rivers, or waterfalls, maintain a safe distance from the water. Water is powerful and is capable of dragging you with it. Being mindful of your surroundings will keep you safe and help you revel in the beauty of the space.

4. Be present at the moment:
No matter the number of selfies you take, none of them will be as meaningful as the experiences of exploring a new place. Try to interact with the locals and understand the place's culture to make lifetime memories. Explore new food options and learn how to make them, and do not forget to collect souvenirs as memories from the journey.

These were a list of simple tips that you can follow to keep yourself safe while clicking selfies. Remember that being mindful of your surroundings and taking adequate steps to ensure your safety is crucial when exploring new places. If you find yourself in situations like these, get help as soon as possible. And to cover the costs of such accidents and mishaps, invest in the best personal accident insurance India. Personal accident insurance is a smart way to safeguard yourself against accidents and the costs incurred. Stay safe and ensure the safety of people and places around you.

Click HERE to buy the best personal accident 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.