GENERAL INSURANCE BLOG

As a motorcycle rider, you already know that wearing protective gear is essential while riding. One of the most critical pieces of equipment is motorcycle boots. They are designed to keep your feet and ankles safe in an accident. Are you a bike-riding fanatic and looking for the right boots? We'll review six pointers to help you purchase motorcycle boots to keep your feet safe.

1. Consider boots with additional safety features
When looking for motorcycle boots, it's essential to consider additional safety features that can help protect your feet in an accident. Some shoes come with reinforced ankle and shin protection, which can help prevent injuries in these vulnerable areas. Other boots may have toe sliders or reinforced caps, which can help protect your toes in a crash. These additional safety features can provide extra protection when riding your motorcycle.

2. Choose weather-resistant boots
Riding a motorcycle means encountering different weather conditions, from rain and mud to hot and sunny days. It's vital to choose weather-resistant boots that can withstand various weather conditions. Look for boots made of waterproof materials, such as Gore-Tex or other waterproof membranes, which can help keep your feet dry and comfortable during rainy rides. Additionally, boots with breathable materials can help keep your feet cool and dry on hot days.

3. Consider the cost and factor in bike insurance savings
Motorcycle boots can range in price from affordable to expensive, depending on the brand and features. While going for the cheapest option may be tempting, investing in a good pair of motorcycle boots can save you money in the long run.

4. Look for boots with sturdy construction
Look for boots made of durable materials, such as leather, or synthetic materials like Gore-Tex. The boots should have a sturdy sole and a solid toe box to protect your toes in case of an impact. The boots should also have ankle protection to prevent injuries in a crash.

5. Make sure the boots fit correctly
It's essential to get boots that fit correctly. Boots that are too tight can restrict circulation, leading to discomfort or even foot numbness, while boots that are too loose can be hazardous since they can slip off your feet while riding. Make sure the boots fit snugly and come with adjustable straps or laces to help achieve a good fit. It's also important to try on the boots while wearing the socks you usually wear while riding.

6. Choose boots with a good grip
Another crucial factor to consider is the sole of the boots. Look for boots with a good grip that can provide traction when walking or riding. The sole should be thick and sturdy to prevent slipping, especially on wet or slippery surfaces. A good grip can also help you maintain control of your bike while stopping or turning.

Investing in a good pair of boots is also essential to factor in the cost and potential savings on bike insurance premiums. Choosing the proper motorcycle boots and wearing them during your ride help prevent injuries and ensure a safer and more enjoyable journey. During unprecedented circumstances, such as an accident, a sturdy pair of boots can avoid or minimise injuries to your feet, saving you from expensive medical bills. It's a win-win situation, as you will protect yourself and potentially save money on bike insurance premiums by enjoying a no-claim bonus.

Click HERE to learn more about purchasing bike insurance and its benefits.

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.

Insurance is good financial security and comes to our rescue in an emergency. Also, these policies help us to save on taxes. The premium we pay on our insurance is deductible from our taxable income up to a specified limit. We can save on taxes for policies taken for ourselves, our spouses, and dependent children.

Buying health insurance plans in India at the beginning of a financial year is crucial to saving on taxes. Let us know why.

1. Sufficient time for planning
Paying premiums on the life insurance and health insurance policy not only gives insurance coverage to a taxpayer but also offers certain tax benefits. You can claim a maximum deduction of INR 1,50,000/- annually against the premium you pay for your insurance policy under Section 80 (C) of the Income Tax Act, 1961. Health insurance policies allow for a tax benefit of INR 50000/- for senior citizens and INR 25000/- for others under Section 80(D) of the Income Tax Act.

Most people leave the important decision of buying an insurance policy to save on taxes for the last one or two months of the financial year. This forces you to make the purchase decision in haste without adequately understanding the terms and conditions of the policies.

Buying an insurance policy at the beginning of a financial year gives you sufficient time to plan properly on saving taxes by choosing the insurance policies most suited for you. After assessing your needs properly, you can buy the best-suited policy as you get sufficient time to plan and buy various insurance policies around the year.

2. Spare money for investment
Most of us receive our year-end bonuses in April or May every year. This will give you surplus funds to easily invest in various insurance policies without putting pressure on your finances. This will help to secure your future as well as save on taxes too. You may or may not have excess funds for investing in insurance policies at the end of the year and end up paying more taxes.

3. Informed decision making
The maximum workload with most insurance companies and their agents is in the last quarter of the year, i.e., from January to March. They do not have sufficient time to explain various insurance policies and their details to you. The agents try to sell you the most popular products without understanding your needs.

The beginning of a financial year is the best time to buy an insurance policy, as the workload with the insurance agents is minimal. They can give you sufficient time and explain the policies' nitty-gritty. Hence, you can make an informed decision and choose the best insurance product suitable for you.

Life is full of uncertainties, and insurance provides us the security to deal with them. It offers financial support in unfortunate events such as hospitalisation and even death as compensation to your dependents. Hence, choosing the best policy that is tailor-made for you and fulfills all your requirements is important. This can only be done when you buy insurance at the beginning of a financial year and save on taxes. But understand that opting for insurance policies to save on taxes should not be your only goal.

You should make health insurance policies a necessary part of your life and investment journey. Thoroughly research the different health insurance plans in India. Choose the best among them that provides you with a perfect match of security and affordability.

Click HERE to browse the best health insurance plans 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 trend of automobiles that exude luxury isn't on the decline anytime soon. With several unique yet functional features rolled out by top manufacturers to entice drivers, the automobile sector continues to evolve.

Sunroofs are one such feature that has been in the market for long enough but continues to catch the fancy of many automobile owners. While they let in the fresh air and natural light on the go, many owners avoid purchasing cars with sunroofs because they fear excessive maintenance.

If you feel the same, here are some tips to keep your car's sunroof in good condition:

1. Clean it frequently
Dust and debris can easily get lodged inside the sunroof due to its positioning. The component's performance will be compromised if it gathers trash and dust particles beside and within. It is essential to clean the sunroof from top to bottom, including the areas surrounding it. Your car's sunroof will remain spotless and operate smoothly with regular cleaning.

2. Annual deep clean
You should thoroughly clean your car's sunroof once a year with the following:

● Clean the sunroof properly
● Now pump low-pressure air through the drain tubes to clean the trough
● The last step is to insert a thin, flexible, non-puncturing wire into a drain tube, twist it anticlockwise, clockwise again, and gently push it farther into the line.

3. Use appropriate cleaning products
Never use any cleaning agent or solution to clean the sunroof. You can harm the quality of the rubber seal in the sunroof by using a harsh or improper cleaning agent. The best advice from professionals for cleaning a sunroof is to use warm tap water or isopropyl alcohol (IPA). 4. Set it free to move
Inspect the working parts of your car's sunroof if it sticks or seems to be moving slowly to look for cracked or stripped gears or a build-up of dirt and debris. To find the location of the issue, start your car and cycle the roof between the open, closed, and vent positions. After a few cycles, clean everything if it works more smoothly, and lightly lubricate all visible moving components with a mild, heat-resistant grease. If you hear a squeaking noise or see the sunroof not opening and closing correctly, visit an expert mechanic to rectify the problem.

5. Look for rust around the hinges
You should check the mounting hardware for any signs of rust or wear and tear if the sunroof in your automobile is manually operated. Moisture can also cause it to corrode. The hardware won't rust or sustain any damage if it is properly maintained. You should pay close attention to the mounting hardware and clean it properly when cleaning the sunroof.

6. Lubricate the moving parts
Lubrication is necessary for a sunroof's moving parts to operate effectively. But, using the proper grease is crucial to ensure efficient and trouble-free operation. Conventional mineral grease is inappropriate for lubricating components in a sunroof. For this, you must use heat-resistant grease. This grease is designed for high temperatures.

7. Pay close attention to any unusual sounds
Remember to listen for any odd noises from your sunroof while opening and closing it. When opened and closed, you must adequately clean the sunroof if it makes a scraping noise. The sunroof auto glass is likely to shatter if there is a popping sound. Consequently, before the issue worsens, it is critical to seek professional assistance.

The correct operation of a sunroof depends on regular maintenance. Your sunroof can get damaged due to improper care. Take your car to a service centre that fixes auto glass if the sunroof makes odd noises even after proper maintenance. While we are discussing your car's upkeep, it is also crucial to buy car insurance. Reliable car insurance can protect your asset from mishaps and monetary stress.

Click HERE to buy the best car 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.

Numerous banks and financial institutions provide personal accident insurance as a perk for cardholders who use them frequently. In this article, we'll examine how banks and financial institutions offer personal accident insurance plans for their cardholders, how they operate, and their significance.

1. Personal accident insurance: What is it?
Personal accident insurance offers protection for an accident-related injury or death. In the case of a covered accident, these plans often provide a lump-sum payment to the insured or their beneficiaries. The coverage is usually offered for a predetermined amount of time, such as one year, and can be renewed yearly. The coverage can be used for medical bills, lost wages, or other accident-related charges.

2. How do personal accident insurance plans operate for cardholders?
Plans for personal accident insurance are frequently provided as an extra perk to people who actively use credit or debit cards. The coverage amount varies depending on the card issuer and your card type.

When you sign up for a personal accident insurance plan, you are protected for a predetermined time frame, such as a year. You or your beneficiaries may submit a claim for an accident-related injury or death to collect the coverage amount. The payment is usually made immediately to the insured or their beneficiaries after the claim has been processed.

3. What explains the need for personal accident insurance?
Accidents can happen to anyone, and the associated medical costs and economic loss can be substantial. In the event of an accident, having personal accident insurance coverage can provide you peace of mind and assist in reducing some of the financial strain.

Personal accident insurance policies are mostly less expensive than standard health insurance. They do not have the same level of coverage as health insurance because they are devised to provide coverage exclusively for unexpected mishaps. Yet, for people who wish to safeguard themselves and their families in the case of an accident, they are more affordable solutions.

4. How to invest in a personal accident insurance plan with your card?
You might be qualified for a free personal accident insurance programme if you often use your credit or debit card. To see if your credit or debit card issuer offers this advantage, contact them first if you're interested in signing up for a personal accident insurance plan. These policies are frequently provided free of charge to cardholders by banks and other financial institutions, while the details of the coverage and eligibility criteria may change.

You can enrol in the plan online or by contacting the card issuer's customer service to avail of personal accident insurance coverage. Your bank might ask for basic personal information, such as your name and contact details to verify your account with them. Also, it's crucial to carefully study the terms and conditions before enrolling. Ensure you know potential limits or exclusions and what is and is not covered.

You can also buy a stand-alone policy from an insurance company. These plans often have higher premiums but may provide more comprehensive coverage than card issuers.

It's always better to ask your credit or debit card provider whether they provide the option to enrol in personal accident insurance. But never get too excited! Read the terms and conditions thoroughly to understand the inclusions and any limits or exclusions that could be applicable. When you have the appropriate personal accident insurance plans, you can rest assured that you and your family are covered in the case of unforeseeable circumstances.

Click HERE to learn more about the benefits of personal accident insurance plans.

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.