GENERAL INSURANCE BLOG

Your insurance for a two-wheeler is an essential document without which you should not risk travelling. The Motor Vehicle Act mandates the importance of carrying your insurance papers. These documents provide information about the rider, including your two-wheeler's registration number and your purchased insurance policy.

The policy documents contain all the essential information required to identify your vehicle, its legality status, the rider's identity, the dealership, your insurance provider, and much more. This information portrays the rider as a responsible citizen who would abide by the safety protocols on the road and, therefore, can be entrusted to drive around without causing any trouble.

There is always a possibility for human error. In this case, what if you end up losing your insurance policy documents? So, how do you solve this problem, and how can you obtain a duplicate 2 wheeler insurance if you lost your original? This blog will answer all your questions and provide you with better information so that you can stay informed and know what to do in case you end up in a similar situation.

1. Lodge a complaint:
For a policy which is bought offline, your first step in obtaining a duplicate two-wheeler insurance will be to file a complaint. Visit your nearest police station and ask them to file an FIR about your missing insurance documents.
You will need to give them essential information like your policy number, your insurance provider, description of the vehicle, the type of policy, details about add-on coverage options if you opted for any, and your personal information like name, job role, contact number, etc. This document will then be verified and attested saying that you lost your insurance and will be sent to your insurance provider claiming the same.

2. Apply for the duplicate insurance documents:
Now that you have a copy of the registered FIR supporting the loss of your insurance documents, you need to apply for a duplicate copy of your 2 wheeler insurance. You will be required to draft an application letter claiming your missing insurance documents and how you would like to request a duplicate set of the documents for future purposes.
Make sure you attach the FIR and your application to support your case. If your insurance policy is a joint one, both policyholders must sign the letter, which will be submitted to your insurance company.

3. For the formal request:
You must sign an indemnity bond stating that you would like to make a formal request to get a duplicate set of your insurance documents. The indemnity bond is to be signed on a non-judicial stamp paper.
Details like your name, the joint policyholder's name (in case of a joint policy), policy number, etc., are mentioned on the indemnity bond. Apart from this process, the bond requires signatures from two witnesses who should not be a part of your family. The insurance company might ask you for proof of your financial standing.

4. Newspaper advertisement:
Another step you can include (if required) in this process is publishing an advertisement in the newspapers mentioning the loss of your documents, the insurance provider's name, and other required details for identification. Make sure to submit the copy of advertisement to your insurance company. Submit all the supporting documents mentioned above, and the organisation will give you a duplicate set of your insurance documents after their verification process.

Obtain your car insurance copy online:
As against the tedious offline method, you can also get your duplicate car insurance policy online by sitting at home. This is possible only if the policy is bought online. To get this;
• Visit the website of your car insurance provider
• Login to your account by putting your account details, policy number, name, age, phone number, etc.
• Go to the policy download option
• You will receive the policy document through email to your registered email address
• Download the car insurance policy document and keep the digital or printed copy along with your other car documents.

Protecting your vehicles with a reliable insurance policy is paramount for their safety. Mishaps can sometimes severely impact your two-wheeler. Getting the best 2 wheeler insurance that suits your needs will help you stay stress-free regarding your financial worries in such emergencies. Your insurance provider will undertake the expenses required for your two-wheeler's repair and maintenance work.

Click HERE to know more about the benefits of 2 wheeler 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.

We all have noticed that whenever a brand launches its new car, there are different versions/variants. These variants have additional features and are placed at different price ranges. The base model is set at the starting price, while the top model takes away the cake by being priced higher. But why do these companies launch variants of the same car model and provide different features?

While purchasing a car, you need to look at various resources to educate yourself about different brands and their cars, your budget, the features you want, and the type of car you want. Are you finding it difficult to arrive at a final decision about which car you want to buy? Or have you finalised the model of the vehicle but are confused about the variant? Here's our guide. This blog will answer this question and provide sufficient information to make an informed decision.

1. There are multiple versions of a car. Why?
Car manufacturers have been creating different versions of a car. The term" variant" refers explicitly to a specific vehicle version. Car manufacturers prefer this method to market their products and distribute the needs of different sections of people. This way, they attempt to persuade their target audience for a particular vehicle and are forced to buy a variant on the upper end from what they initially set out to purchase. The distribution of features is finely done, targeting to expand the car's sales potential.
There is absolutely no fixed number of variants when it comes to the automobile industry. Car manufacturers can launch any number of variants of the same car model and tweak the features strategically to lure in the customers. The variants usually depend on the popularity of the car model, the brand, the consumer loyalty and the brand's reputation and accountability, etc.

2. The number of different features you should look for.
As we discussed earlier in the introduction, other parts in the variants of a car model lead to the difference in the price range. And these price ranges determine which car is under your budget and more accessible to you. But what are some of the features you as a customer should be on the lookout for?

Interior material:
There might be differences in your car's interior from the model in the high ranges. You will notice differences between the seat cover of the variants, and the personalisation options provided might seem limited too if you compare with the cars on the higher end.

Safety always comes first:
Every car today usually comes with several airbags, increasing as you go towards the higher-end variants. Apart from that, many safety features are incorporated into all vehicles in the current times. But the level of safety aids might differ in the car variants and models. Base level cars provide the standard features while vehicles in the higher end comes with premium safety features, which creates the allurement in the market.

Other determining features to look forward to are engines, fuel efficiency, mileage, navigation systems, and other technologies. So, take a wise decision to decide between the different versions of the same car that fits your budget and requirements. The prices are rising, and there seems to be no relief anytime soon. Therefore, in unpredictable times, you need to safeguard your crucial assets like cars with insurance.

Purchase car insurance to ensure you are one step ahead and can focus on resolving the situation. Also, remember, as there are different models and variants of cars available in the market, there are several car insurance options with different prices. You must determine the best car insurance price in India and invest in a comprehensive coverage plan.

Click HERE to learn more about the best car insurance price 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.

Many people love riding motorcycles. It's fun, daring, and adventurous. Whenever we talk about bike fanatics, we imagine a young adult riding a motorcycle with cool bike gear, taking a long trip in an aesthetically beautiful location. But, are motorcycles only for the youth?

Senior citizens also love riding bikes. But when it comes to the type of bikes they should go for, you must take care of certain factors given their age, mental conditions, body, fragility, accidental risks, road conditions, driving skills, etc. Are you looking for advice on how to help the seniors in your family take up their hobby while ensuring they stay safe? This blog will provide tips for choosing the right motorcycle for seniors. Let's dive in.

1. Ensuring the body to be fit to ride:
The number of senior citizens' road accidents has been rising worldwide. They are likely to get seriously injured or even die in bike crashes. Senior citizen accidents rose by almost forty percent, and the leading causes are a lack of protective gear like helmets, driving at high speed, and drinking and driving.
All these three reasons are against the road safety regulations, and one must consider this before getting a bike for the senior member of their family. Some other reasons for aged people to be prone to road accidents include vision impairment, sensory delay, reduced reaction time, balance and alignment issues, reduction in brain size, weakness, lack of bone strength, etc.
One must keep these factors in mind before you help the senior citizens hit the road on their own. If there are any such issues, you need to ensure their safety and consider the best options like accompanying them on the exact vehicle, being around whenever they drive, setting limitations of driving if the senior member is comfortable with it, etc.

2. Picking the right motorcycle and getting back to practising:
First and foremost, you must consider all possibilities and risks before going out to get a bike. Safety comes first. You need to purchase a motorcycle that suits and prioritises their driving skills, size, handling capacity, and security.
Some things you need to take care of include their height and weight, which have changed over the years and are still variable. Their size should be enough to operate all the controls and set their foot on the ground so they can control the bike whenever there is a sudden need. Their weight also should be able to handle the body and design of the bike. The weight of the senior member would determine their ability to manoeuver the bike quickly and efficiently. So, you need to ensure that you get a lightweight bike for them so that they can operate and balance it easily, even on uneven terrains. Maintaining bike control is essential for yourself and others on the road.
If not, it can potentially cause dangerous accidents leading to severe consequences. And last but not least, you need to help them plan their itinerary if they choose to go for a trip, and help them practice in a nearby area with decent roads, which would also help a beginner.

Those were some of the best tips for choosing the right motorcycle for seniors. The senior family members have the right and freedom to live their passion of biking and enjoying their retired life. If you are an older person, then just follow the above tips and encourage yourself to set out on short leisure rides or long adventurous trips.

But during any of these daily or weekend activities, the unpredictability on the road is always a concern. So, to ensure that even if you end up in difficult circumstances which can potentially cost you a hefty amount, you should buy the best two wheeler insurance in India to ensure that you focus on getting your ride fixed instead of fixating and worrying about finances. Get your gear, wear your helmet, and get ready to hit the road again!

Click HERE to know more about the best two wheeler 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.

Today's youth have an unhealthy obsession with eating junk and processed food. Call it convenience or lack of time; people often prefer to eat readily available food. But what everyone seems to forget is that, unless you do not have a well-balanced diet, your body fails to produce the required energy, and you end up feeling lethargic and tired.

Food from cafes and restaurants sound mouth-watering and delicious, but they significantly lack the right amount of nutrients, minerals, and proteins, leading to various deficiencies in your body. These can cause multiple health issues and have irreversible implications for your body.

This article will look at all the common deficiencies and how to take care of them.

1. Vitamin D:
If you experience fatigue, muscle pain, and brittle bones, your body is deficient in Vitamin D. Vitamin D is extremely important for keeping your bones strong. The calcium and phosphorus in your body can be absorbed by your bones only if your body has ample Vitamin D.
Weak bones can lead to low bone density and frequent fractures and injuries. An adult needs at least thirty minutes of direct sunlight daily. It is best to catch morning or evening sunlight for the best results. The afternoon sun is harsh and can cause dehydration, allergies, and fatigue.

2. Vitamin A:
Dry skin, dry eyes, compromised vision, and infections are some Vitamin A deficiency symptoms. Vitamin A is vital in maintaining your body's growth, immune system, and reproductive health. It keeps your heart and lungs working properly.
Vitamin A is also responsible for various daily replacements of skin cells and ensures that enough mucus is produced as a barrier to infections. Foods such as fish, egg, carrots, mangoes, papayas, spinach, etc., are high in Vitamin A and should be taken regularly to ensure proper body health.

3. Vitamin B12:
Extreme lethargy, pale skin, breathlessness, headaches, etc., are symptoms of Vitamin B12 deficiency. Your body needs vitamin B12 for several processes, including DNA construction, energy production, and the functioning of the central nervous system. Chicken, fish, milk, and other dairy products are excellent sources of Vitamin B12. In some cases, the deficiency is caused by improper absorption of the nutrients by the body. In such cases, the doctor might suggest an alternative dosage of injections to balance the B12 levels in your body.

4. Protein:
Hunger, weakness, fatigue, skin and hair problems and weak immune systems are symptoms of protein deficiency. Every basic cell structure requires protein for survival, which is why protein is considered the building block of life.
Protein is vital to help your body repair and regenerate new cells. Eggs, poultry, milk, and dairy are some common and readily available dietary options.

5. Iron:
Pale skin, weakness, inflammation of the tongue, weak nails, and chest pain are some symptoms of iron deficiency. Iron is essential for the overall growth and development of your body. It is responsible for maintaining the hemoglobin levels in RBCs or red blood cells.
Seventy percent of the irons found in your body are found inside the red blood cells. Some examples of food with high iron content are spinach, chickpeas, quinoa, and broccoli.

These were a list of the common deficiencies in humans worldwide. Healthy eating habits and regular exercise are imperative for everyone, regardless of gender and age. Another habit that can keep you in the pink of your health is purchasing insurance. Buy a health insurance policy for family and have an added protection to help yourself against any expenses you might incur regarding medications, tests, or consultations.

Health issues can significantly drain your finances and leave you stressed physically and emotionally. By keeping insurance handy, you can positively deal with these issues and make your move towards a healthy life.

Click HERE to buy a health insurance policy for family.

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.