GENERAL INSURANCE BLOG

We all know motor insurance has been made mandatory in our country. The purpose of purchasing car insurance coverage is to assure financial protection for the vehicle if it is involved in an accident.

When you file a claim with your insurer for automobile damage, you expect them to reimburse you as soon as possible. There are three possibilities in that situation: your claim gets granted, your insurance company may request further information, or your claim gets denied. And often, motor owners fail to get their car insurance claims resolved to their satisfaction.

If you’re facing a similar circumstance, you might want to investigate the following causes for claim denials.

1. Driving while intoxicated:
If the driver engages in driving under the influence of alcohol or other intoxicants, in that case, the insurer will deny the claim.

2. An unreal claim of the No Claim Bonus (NCB):
The insurer refuses any claim for NCB falsely declared and cancels any benefits under the policy’s damaged section.

3. Unidentified or unauthorized driver:
The claim gets rejected if the driver doesn’t possess a valid driver’s licence or if the permit is fraudulent, expired, or for a different vehicle class. This can also happen if someone besides the registered owner is driving it.

4. Delay in paying the premiums:
Go through your policy to find if it grants you a grace period to pay the premium beyond the deadline. Not paying premiums on time denies the claim and is one of the most common reasons. Avoid delays and buy motor insurance online for convenient paying options.

5. If there is no evidence to prove the crash happened:
Having no photos of the scene or any other documentation of the collision or car damage may force the insurer to deny your claim.

6. Claim of non-accidental loss:
The insurance doesn’t cover the wear and tear of your vehicle. Therefore claiming any damage that isn’t accidental might result in the claim getting rejected.

7. Confidentiality of information:
When you buy motor insurance online, you must provide the insurance company with every personal detail and update the same if required. This includes your name, address and any past car accidents. The insurer possesses the power to reject your claim due to non-disclosure.

8. Automobile not appropriately parked:
If your vehicle was not in a secure location during the time of theft or crash, your claim gets denied. Therefore, the insurer will always ask if you had parked your car correctly.

9. Missing monitor or safety device:
Claims get denied if you haven’t installed alarms, locks or tracking devices in your vehicle despite being mentioned.

10. Ongoing inspection:
Most insurers demand that your motor be examined before purchasing insurance. It lets them know of all harm that has already occurred. Insurers have the power to reject your claim at any point during the insurance claim procedure if you fail to follow this protocol.

After a vehicle accident, the last thing you want to deal with is an insurance claim denial. Repairing an automobile may burn a hole in your pocket without insurance plan coverage. Focus on the points mentioned earlier to reduce the risk of a rejected insurance claim. Check the reviews of other customers for their claim settlement experiences with insurance companies before you buy motor insurance online. So, follow the above tips to avoid the situation that leads to denial of your insurance claim.

To buy motor insurance online, click HERE .

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 is a widespread concern that healthy diets may not provide enough protein to the body. Muscle growth and maintenance, health of skin and hair are all dependent on getting enough protein. It also helps keep you satiated, which is essential.

Why is there a need for protein?

Proteins are made up of amino acids, and an adequate supply of amino acids is necessary for the normal development of our cells. There are several crucial parts of our bodies where proteins play an important role. These include our skin, nails, and other vital organs.

Many people are curious about how vegetarians can receive enough protein in their diets, but it's pretty simple. If you're attempting to stop eating meat and consume more veggies or turning vegan, these vegetarian sources of proteins can assist you in meeting your daily protein intake.

1. Lentils:

Adding lentils, or dal, to a daily meal is common in Indian cuisine. With each cup containing roughly 18 grams of protein, fresh salads, substantial soups, and dals laced with spices are just a few of the foods that can be made with them. Lentils are a good source of protein and fibre, which can aid in the maintenance of a healthy microbiome in the intestines.

2. Oats:

Eating oats is a simple and delicious way to increase the protein intake in your daily diet. In addition to being high in protein, oats are a powerhouse of soluble fibre. Clinical studies show that oats can help lower cholesterol and reduce the risk of heart disease. While not considered a total protein, oats provide a higher quality protein than some commonly consumed grains, such as rice and wheat.

3. Legumes:

In general, legumes are thought of as protein-rich foods because of their large concentration of essential amino acids. For example, chickpeas have roughly 15 grams of protein per serving, as well as a slew of other nutrients that will keep you strong, healthy, and fit.

4. Nuts:

Nuts are considered nutritional powerhouses. They are an excellent source of dietary protein for vegetarians and vegans alike. Nuts like almonds and cashews are a good source of protein and are considered a protein-rich diet.

5. Green Peas:

Green peas are a good source of vitamin A, potassium, and folate, all found in abundance in this dish. Simply adding green peas to your everyday vegetarian diet can help in supplying your body with the additional protein it demands.

6. Tofu:

Adding tofu to your plant-based diet can be a great decision since it is an excellent source of protein and minerals. Usually, people consume Tofu as a replacement or a veg-alternative to meatballs to add to their healthy lifestyle.

Final Words

If you're eating a nutritious diet, you're unlikely to have protein deficits as experienced by many vegetarians and vegans. The above list might serve as a starting point for anyone who wants to boost the consumption of vegetarian sources of protein.

Speaking of nutrition, if you are not regularly consuming essential nutrients and minerals via protein food items, your body may become vulnerable to diseases or infections. Hence, considering health insurance is an excellent idea to assist you in providing additional financial protection you always require to keep you stress-free and ensure your well-being.

Click HERE to know more about different health 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.

What are the primary things that come to your mind when you think of car maintenance? Oil changes and engine inspections. But what most of us forget are windshield wipers. These underrated blades are just as crucial as the engine of your vehicle. We do not need them often, and wipers don't seem to do much in our daily driving. So, it's assumed that they don't require much attention. However, during unexpected changes in the weather, wipers are an integral part of your vehicle maintenance to ensure safe driving.

Why are car wipers important?
The first pair of wipers for cars were made back in 1903, and since then, their use has advanced significantly. These key technologies improved car safety and allowed drivers to travel in adverse weather conditions. Latest windshield wipers come with a variety of enhanced functions and settings. Modern devices have been built to be simple to use, effective, and maintain clarity while driving.

Importance of maintaining wipers:
It is common knowledge that clear vision is the most critical driving component. Appropriately functioning wipers are a way to ensure complete visibility for the driver.
If you don't repair your windshield wipers on time, the blade may tear and break away from the wiper. As a result, the bare metal or plastic wiper arm can scratch the windscreen as it scrapes over it. Damaged windshield wipers can also produce scratches on your glass, resulting in higher repair costs. It's far easier to examine and change your wipers regularly than paying for windshield repairs.
Windshield wipers' care varies from place to place, depending on the region you live in and their frequent use in the vehicle. However, the wiper blades are supposed to be replaced every six months.

How to clean / replace your wiper blades:
Regular cleaning of the wiper blades should be done to increase their efficiency. You may begin by wiping the wipers down with clean towels and mild detergent. Then clean the edge of the blade with a towel soaked in alcohol to get rid of any leftover grime and dirt.
Replacing wiper blades regularly is a low-cost investment in your driving security. To begin, measure the durability of your wiper blades or consult your car's owner's handbook for the correct information. After that, you may buy and install fresh blades. Next, lift the arm of the windshield, press on the little button under the wiper, and slide the blade off downhill to remove the old blades. To swap the blade, tighten the new blade onto the arm. When done, a clicking sound should be heard.

Safe driving requires total visibility of the front view while you are in the driving seat. When rain or snowfall strikes, be sure you're ready with a clean windscreen. Therefore, ensure to inspect your wiper blades regularly and replace them when required. Also, add washer fluid and make sure to maintain the right combination. Maintaining your wipers and washer system is a simple and inexpensive method to keep you and your family safe while driving. Also, do not forget to invest in a reliable motor insurance India policy to keep your vehicle insured and obtain the benefits that it has to offer.

Get the best motor insurance India policies HERE .

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.

Hand numbness affects all bikers, from beginners to professionals. A few hours into riding a bike, you may begin to feel tingling in your palms and fingers. The stinging sensation is caused by compressed nerves in the shoulder, elbow, or wrist and might last several hours.

You shake it off in the hopes of alleviating the dull ache, but it doesn't seem to work. So, what is the solution? Even if these techniques do not eliminate the condition, they can at least assist in easing or lessening the numbness while riding.

1. Wear protective gloves:
Vibration stresses the nerves and forces you to hold more tightly than usual. Wearing padded gloves might assist but make sure they're not too tight since this can complicate the issue.

2. Alter your arm position:
Keep changing your grip on the handlebar throughout the journey to prevent exerting the same persistent strain on your wrists.

3. Loosen up the elbows:
Relaxing your elbows engages your torso muscles, relieving strain from your hands. Let your elbows rest in all situations to allow you to soak vibrations from the road.

4. Maintain body balance:
Don't forget about your core. Maintaining your body's balance while riding may dramatically reduce the amount of pressure on your hands.

5. Tune-up your bike:
Ensure that the bike's suspension is correctly tuned and the tyre pressure is perfect before every ride. Decreasing the vibration is crucial to experience a smooth ride.

6. Get your bike altered to fit:
Bike fitting suggests moving the seat rearward, lowering it, adjusting the tilt, and elevating the bar. This will distribute your weight back and away from your hands.

7. Have a hold:
Consider adopting thicker, softer, and sticky grips so you don't have to grasp the handlebars as tightly. Another alternative is to use ergonomic grips. They're designed to assist you in positioning your hands correctly and relieving pressure spots.

8. Utilize your core:
Take note of your general position and the amount of involvement of your back and core muscles when riding. By focusing your conscious attention on your body's mechanics, you'll be able to make real-time modifications to ease the pressure on your arms and hands.

9. Physiotherapy:
If the numbness in your hands worsens or persists, you should seek medical advice from a physical therapist. They will determine the treatment by assessing the problem's root cause.

10. Stretching:
A few minutes of full body stretching before each trip will also reduce your muscles' numbness and strain. Basic stretching and strengthening exercises for your hands, wrists, and forearms will help prevent hand numbness.

It's common to exert strain on your arms and shoulders while biking. This usually happens unintentionally when you are in an unwanted environment, such as a traffic jam. Even if we take it easy and try to let go of the pressure, our hands and shoulders still tense up. As a result, discomfort and continuing difficulties in the muscles of the upper back result from this circumstance.

It's not just you who faces problems due to excessive riding, your bike also suffers through wear and tear and may eventually get damaged. Be prepared for this by looking up appropriate 2 wheeler insurance online that offers you the best-suited benefits for your needs and ensures the safety of your possession.

To get 2 wheeler insurance online, click HERE .

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.