GENERAL INSURANCE BLOG

Monsoon is finally here! From the cooling showers to the irresistible scent of the soil after rain, there is much to be excited about the monsoon. But with all this beauty comes the problems of sludgy, slippery roads that make for a great inconvenience. With heavy rains comes damage to vehicles, which is seemingly unavoidable.

With petrol prices seeing a significant hike, more and more people are shifting their focus on owning an electric car. While there are many advantages to owning an electric vehicle, it comes with its own set of problems— one being that it is more susceptible to damages caused by rainy weather.

This blog gives you some helpful tips to keep your electric car safe and avoid spending hefty money repairing it.

1. OEM-issued charger:

Safe charging should be your top priority as an electric car owner. Verify that your charger is original. Original chargers ensure the car charges efficiently.
Current surges are common during heavy downpours, which can result in serious damage to the car's batteries. It can cause short-circuiting in the vehicle's charging point and cause internal damage to the wiring. The best way to prevent this is by charging the car in a dry and covered place, like an underground parking lot or a shed. Care should be taken to ensure that the charger is dry. Also, avoid charging the car in extreme weather conditions like lightning, cyclones, and thunderstorms.

2. Use ancillary components to help:

Using the features such as windscreen wipers, defoggers, and air conditioners to dry the car is a great idea to prevent the vehicle from corroding and rusting in this moist weather.

3. Don't forget the interiors:

The interior takes the worst hit in the monsoon. Muddy shoes and wet clothes are a frequent occurrence. From fungal blooms to a stench that will not go away no matter what you do. So, it's an ordeal to clean the inside of a car very often. Prevention is much better than cure in this case.
Use plenty of newspapers and towels to help soak up the water. Keep the windows rolled up and let the wet areas and the moisture dry up. If that doesn't work, you can also use a hair dryer on the wet spots. Don't forget to keep the cabins dry and clean.

4. Keeping the exterior (non-electrical parts) clean:

The car's exterior is constantly exposed to harsh weather conditions, and this problem gets aggravated in rainy weather. Especially in metros, the additional problem of acid rain comes in. This rain is corrosive and can strip your car of its protective paint. Be extra cautious during the monsoon, and wash your car regularly to prevent the paint from rusting.

Electric cars are quickly replacing petrol cars as an environment-friendly alternative. This is due to various reasons such as low running cost, lower maintenance, high acceleration, and most importantly, the near-zero carbon emissions they produce to help you reduce your carbon footprint.

However, it has its cons. The rechargeable battery is costly, and very few mechanics will be well-versed in fixing defects in an electric car. These are the reasons why researching the best car insurance in India will be the best option to avoid venting your finances during unforeseen circumstances. Implement the above tips and get ready to enjoy the best of monsoon by taking a road trip in your electric car.

Click HERE to know more about 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.

Who hasn’t desired to spend a night beneath the stars? The beautiful sky appears to be a canvas painted with countless twinkling stars. Stargazing gains a special place in the bucket list of most travellers. And rightly so. Who wouldn’t want to see the starry night while enjoying a mesmerising atmosphere? If you are travelling with a group, a random jam session under the open starlit sky will melt your heart. It’s a sight to behold.

Where can you find such places with stars lined up? Don’t worry. We can help you plan your next trip to the sites that offer you this jaw-dropping experience. Let’s get started.

1. Rann of Kutch, Gujarat:

Rann of Kutch in Gujarat is one of the largest salt marshlands on Earth. It offers the best crisp and clear night sky views. It encapsulates almost six magnitudes of stars, easily visible to the naked eye. All in all, this place is heaven in India for all the astrophile and stargazers. The time from October to February is considered the best to visit these marshlands.

2. Pangong Tso Lake, Ladakh:

Ladakh is a dream destination for the majority of travellers. And now, the iconic Pangong Tso Lake is an even more compelling reason that adds a feather to the hat. It is regarded as one of the best stargazing views in the entire country.
The lake is situated at an elevation of 4,225 meters. The starry sky outlines enhance the mesmerising night view from this lake. Trekking opportunities are available where you can set up camps and experience the view of the gazillion stars. Visiting Pangong Tso Lake in Ladakh from May to September would be the wisest choice.

3. Coorg, Karnataka:

Coorg is one of the most beautiful hill stations one must visit while touring the state of Karnataka. The waterfalls, coffee gardens and the lush green views can calm your soul and give you the peace you crave in the hustle of city life.
Giving you glimpses of mountain peaks and starry sky outlines, Coorg offers the tourists and adventurers multiple opportunities to camp in the forests where the tall trees form beautiful canopies, and the stars shine through. And if you are solely visiting Coorg for stargazing, make sure you plan your trip from October to March.

4. Spiti valley, Himachal Pradesh:

Himachal Pradesh offers some of the most beautiful views and tourist locations in India. And the high altitude makes it a perfect spot for experiencing the serene night sky views and capturing the beauty of snow-capped peaks.
At an elevation of 4270 meters, Kibbar or Kyibar in Spiti valley is a well-known point in Himachal Pradesh, specifically for stargazing. The best time to visit Spiti Valley is in the winter.

Various other locations in India offer stargazing opportunities, such as Nubra Valley in Ladakh, Sonmarg in Jammu, and Kashmir, Kashid Beach in Maharashtra, Jaisalmer in Rajasthan, and Shaheed Dweep or Neil Island in Andaman and Nicobar Islands, etc.

We hope this list will help you plan your next trip-solo or with dear ones to the sites where stars bring energy into life. Spend memorable nights and gasp at the wonders space offers.

As you consider travelling, how about getting general insurance for your travel? You deserve some relaxing time where you do not have to worry about sudden, unprecedented circumstances that can ruin your trip. And now, explore your options and get the best online general insurance which would cover your travel insurance in the best ways possible.

Click HERE to know more about the benefits of online general 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.

Of the many injuries we are familiar with, a fracture seems to be the most painful. Not only it is excruciatingly painful, but it also takes a long time to heal. A fracture can slow you down, even for basic day-to-day chores. The healing is given ample time to ensure that the bones are correctly aligned. But having said that, waiting for your fracture to heal can be tedious.

The healing of a fracture covers three main stages: Inflammatory, reparative, and remodelling. During the inflammatory stage, special cells assemble in the injured area and cause redness and swelling. This is an indication to the body to stop using the affected area. The first bridge between the broken bones is made here as a blood clot or hematoma.

During the reparative stage, a soft bone or callus takes the position of the blood clot and holds the broken bones together. This soft callus is not strong enough to handle weight and movement. Over the subsequent weeks, the callus becomes stronger and can handle movement.

During the final stage, the normal bone replaces the callus entirely, and over a few weeks, the bone is back to its original condition.

In this article, we will look at the few things we can do to accelerate the speed of recovery.

1. Restricting movement:

The more the movement, the longer it takes for the bones to heal. To heal properly and quickly, the best method is immobilisation. Castes and plasters are the most common ways of giving your bone the support it requires while also restricting any painful movement.
If the fracture is more severe, the doctors might rely on screws, plates, or wires to keep the bone fragments intact. Always remember to consult a doctor in case of pain or discomfort.

2. Improving food habits:

A weak bone can take longer to heal. Vitamins and minerals are vital components of a healthy body. The essential component for bone development is calcium. Include food items such as milk, cheese, and other dairy products that contain high amounts of calcium that your bones require. For your bones to absorb maximum calcium from these food items, your body also needs Vitamin D. Vitamin D helps the bones effectively absorb the calcium from various food sources.
Avoid smoking and alcohol consumption. People who indulge in these habits experience slower and more painful healing. Avoid food with high sugar and salt content. Excessive sodium or sugar removes calcium from your body and significantly slows down the repair of broken bones.

3. Physical therapy:

Physiotherapy can work wonders for bone repair. Blood flow is an essential part of bone healing. Therapy under the guidance of a physiotherapist can help you regain strength and a greater range of motion. There are also some exercises that you can occasionally do. This ensures that your muscles and bones do not get stiff over time while in a cast.

4. Post care:

After the cast is taken off, try not to test the broken bone. Do not put a lot of pressure on the bone to ensure if your bone has healed or not. As tempting as it may seem, give your bones time to adapt to the surroundings without having external support.

These are a few valuable tips you can follow if you want a faster recovery of broken bones. All the methods mentioned above are simple practices you can incorporate into your daily routine. Healthy eating habits, regular exercising, and timely body check-up are essential to maintaining an overall healthy lifestyle.

This article is also a reminder for you to do your health insurance policy renewal. Accidents can be expensive, with the medical bills skyrocketing. Hence timely health insurance policy renewal is non-negotiable to avoid stress due to health problems.

Click HERE for health insurance policy renewal.

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.

Your house might look clean, but is it completely dust-free? If you look closely in those corners, you will realise how much dirt has piled up. The filth in the tricky corners of your house is hard to clean and might eventually result in health issues due to the lack of hygiene.

Dust allergies are the most common problems faced in such situations. It becomes difficult for an allergy-prone person to live a normal lifestyle amidst unclean living premises. If you ignore cleaning dirty sections of your home, then it creates clutter. This impacts mental and physical health, affecting your behaviour, work, etc.

Having discussed some downsides of dust accumulation in the nook and corners of your house, it is essential to understand the solutions to the already identified problem. This blog will discuss the best ways to clean the problematic corners or sections of your house, so it remains clean and hygienic.

1. Be watchful about those spiderwebs:

Spider webs can be the bane of cleaning. They are challenging to remove and grow even in the narrowest corners of the house. The sticky spider webs also impact the appliances like fans that are often not cleaned.
You can use a dusting cloth with an extendable arm or handle to reach high and deep corners of your house. The cloth fibre will collect and clean the dust instead of scattering it around.

2. High cupboards and cabinets:

Cleaning the upper surface of high drawers, cupboards and cabinets is tough to perform. You will need a ladder and equipment which can pivot. This would help you reach far away corners and edges of the surfaces of various furniture.
You can use a microfibre or dusting cloth to clean the cupboards and cabinets so that the dust does not get scattered. Cleaning fluid can be formulated by mixing up dishwashing liquid, water, and ammonia commonly used in households. This can give you cleaner and shinier surfaces.

3. Cleaning the sinkholes:

All the remaining leftovers from your plates are usually accumulated in the sinkholes. If the size of the bits is less than the holes, they pass through the pipes. If not, they end up on the surface of the sink. It also results in the unnecessary clogging of the drainage pipes.
If not taken care of, they might release bad odour and even attract insects. You can use rubber gloves to remove the leftovers from the sinkholes and use cold running water to clean. Using baking soda or citrus peels to remove the foul odour is a good home remedy for sink issues.

4. Don't forget the washroom crannies:

Whenever you go to the washroom, take a closer look at the crannies. You will see spots that are difficult to remove. If not cleaned in time, these spots can get stubborn and are impossible to eliminate.
But don't worry. You can start by using a dry brush to scrub off the upper layer of these marks and spots. Use a cleaning liquid or warm water and soft scrub. Later, gently rub the surface to eliminate the layers steadily. And then, use a vacuum cleaner to suck the debris before giving the space a final wash with water and detergent (if needed).

Deep corners are home spaces that are neglected while routine cleaning and later create hygiene problems. Using these methods, you can easily access the difficult corners and ensure that your home is clean to its core!

Apart from deep cleaning, your objective must be to ensure your home's safety. Won't it be wise to discuss options to safeguard your home against large-scale unprecedented circumstances? There can be multiple situations that can be challenging for your house. To protect your safe abode, you must purchase the best home insurance policy in India to get the best coverage at the time of need. Magma HDI's home insurance is your best advantage to have safer homes and good peace of mind.

Click HERE to learn more about the benefits of India's best home 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.