GENERAL INSURANCE BLOG

Routine oil change ensures that your vehicle’s engine is in good shape. Moreover, it guarantees that the machine operates on high-quality motor oil thus improving its performance and the engine’s life. But which oil is suitable for vehicles - regular or synthetic?

Most people believe that oil does not make a significant difference in the performance of your car, but that isn’t the case. The type of oil used for your motor impacts its well-being and durability. So, to secure your car’s engine, be attentive to the requirements regarding its oil.

Let's quickly look at the aspects that differentiate these two types of oils before you pick a side.

What exactly is Regular oil?
Regular oil or conventional oil is a blend of crude oils and additives that meets the minimum requirements for engines and is commonly used in older or low-mileage vehicles. Depending on the manufacturer and pricing, these oils can range from mediocre to excellent grade.

What is Synthetic oil?
Synthetic motor oil combines high-quality additives that provide the finest engine protection. It can help with engine cleanliness, heat prevention, and engine endurance. It is usually suggested for all current and new-age automobiles due to its benefits of providing the highest engine protection.

How to determine which oil is better for your vehicle?
The ultimate way to choose which oil to go for is by reading your vehicle’s user manual, which states the correct oil for your motor. However, other minor factors contribute to decision-making, such as the age of the vehicle, usage, way of driving, and so on.

Advantages of Regular vs. Synthetic oil

1. Regular (Conventional) oil:
• The most obvious advantage of choosing conventional oil is that it won’t burn a hole in your pocket.
• It is readily available and a good choice for drivers and mechanics to get their hands on.
• Well suited for older motors.
• Many motor companies and mechanics advise using traditional oil for older vehicles and low-mileage vehicles.

2. Synthetic oil:
• Synthetic oil is composed of homogeneous molecules that reduce friction in the engine.
• Synthetic oil is also more refined, resulting in fewer deposits in the engine. It is purer and has fewer contaminants.
• It is improbable to break down and hence has higher durability.
• It lasts longer; thus, your motor won’t need frequent trips to the mechanic for an oil change.

The decision between conventional and synthetic motor oil depends on where and how your vehicle is used. Consult the owner’s handbook to ensure you’re using the recommended oil for your car. It will also inform you of the proper distance periods between oil changes.

You should timely replace your motor oil, whether you use regular or synthetic motor oil. Like the oil for your engine, investing in good motor insurance is always the right thing for your vehicle. Using motor insurance with limited features will not provide you complete protection to your car against financial emergencies during any breakdown. Therefore, make sure to browse through the options before purchasing the best one for your vehicle.

Are you looking for a suitable motor insurance? 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.

In residential complexes or workplaces, fire situations are severe risks to the safety of people and assets. Understanding fires and putting best preventive policies are crucial for the administrative unit of the buildings. Knowing the different fire classifications will make selecting the best fire solutions much easier.

Water, carbon dioxide, foam, vaporizing liquid, and dry powder are the six primary varieties of fire extinguishers available in India. Remember that not all fires are the same, and not an extinguisher can put off all types of fires; therefore, it’s critical to know about their classes. In this space, we'll take you through the types of fire and the correct type of extinguisher needed to tackle them.

1. Class A (General Fires):
These fires are caused by common flammable materials such as wood, plastics, textiles, paper, and rubbish used in homes, workplaces, enterprises, and industrial settings. Class A fire flames are less damaging and can be put out quite quickly.

How to put out class A fire: The best way is to use a water or foam fire extinguisher. You may simply use tap water to put out this type of fire since it removes the fire's heat source.

2. Class B (Liquid Fires):
Combustible liquids and gases such as gasoline, oil, kerosene, paints, and gases such as propane and methane are the most common sources of class B fire. Typically, these fires occur in industrial settings that deal with petroleum and gas products.

How to put out class B fire: You need to cut off the fire’s oxygen supply to prevent the fire from spreading rapidly. Carbon dioxide, Powder, and Foam based extinguishers work best to combat Class B fires.

3. Class C (Electric Fires):
The primary source for class C flames is electric components. Short circuits are frequently the cause. Industrial buildings with heavy electrical equipment that consumes a lot of electricity are prone to these hazards. They can occur in households and small businesses as well.

How to put out class C fire: Class C flames demand prompt power shutoff and the usage of non-conductive chemical fire extinguishers such as CO2-based. You can even opt for powder-based fire extinguishers.

4. Class D (Metal Fires):
Combustible metals such as aluminium, magnesium, potassium, and titanium are the principal source of Class D flames. The majority of Class D fires occur in laboratories. On the other hand, combustible metals are employed in various industrial manufacturing and production processes, which raises the risks of class D fires in those industrial premises.

How to put out class D fire: Powder-based extinguishers that absorb heat and suppress the flames are the most effective tools to put out the fire under this class.

5. Class K (Cooking Fires):
Class K fires are often confused with the class B fires. This is because they share the same fuel source, which is combustible liquids. However, class K fires are significantly distinct. These fires typically occur in kitchens during food preparation. Cooking ingredients such as cooking oils and vegetable/animal fats trigger and fuel the flames. Class K flames are deadly and may wreak havoc in a short amount of time. They are commonly seen in restaurants and houses but can occur anywhere there is cooking involved.

How to put out class K fire: foam-based, wet chemical extinguishers work best on class K fires.

Now that you completely understand the origins of all these different types of fires and how to put them off. You should determine which fire extinguisher to keep at your disposal at all times. And don't forget only to purchase an ISI-certified extinguisher.

As the famous saying goes, “hope for the best and prepare for the worst,” while you’re out there searching for the ideal extinguisher, protect yourself and your assets with general insurance. Get a general insurance online quote today and add value to your assets.

To get general insurance online quote, 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.

Being a mother is not easy, and if you are a working mom, it becomes even more challenging and overwhelming. Waking up every morning, dropping your kid at daycare, commuting to your office, working there for at least eight hours, buying groceries on your way back to pick up the kids, and going home again only to work more can be physically, mentally and even emotionally exhausting.

Managing your responsibilities to your child, your career, your social life, and trying to find some time for yourself at the end of the day is challenging and will leave you with a tiring schedule. The feeling of being stuck in an endless routine of stress and bare minimum sleep can adversely affect your health.

And in times like these, when you need more energy than ever, there are stories of a few inspiring moms who have proved that nothing can stop you from achieving any milestones in your life if you master your command over situations.

So, what is the secret to managing stress and having an efficient work-life balance for working women? Not just the work-life balance, it has to be the blend of both. Let's tell you how you can achieve that.

1. Involve your kids:
Many parents have the habit of starting household work only after their kid’s bedtime, which only delays things. So, do not be hesitant to complete your routine work even when your kids are awake. You will be surprised by how much time you can save this way. Sure, you can’t do everything with your kids around, but do not get delayed to do basic tasks.

2. Your partner:
Do not forget that your partner is equally responsible for raising the child and fulfilling their duty as a co-parent. Raising a baby alone is very challenging, so it is only understood if you and your partner share the work, like:

• Both partners should take turns dropping and picking up their children from the daycare or school.

• If you have a small baby who wakes up in the middle of the night, alternately wake up with it so both of you can get some rest.

• Love is all about caring and understanding. Cherish the most beautiful moments of life and team up with your partner to swiftly manage all the odds.

3. Bring your child to work (only if it is permissible):
Familiarize them with what to do. Allow them to understand and see your workplace. Introduce your children to your coworker’s kid. This is all very helpful.

The most important thing that you should never forget is to take out some time for yourself. Remember to prioritize yourself and your desires, too, because, in the end, if you feel miserable, there is no way you can take care of everyone else.

Even if you are feeling completely worn out, don’t skip meals or jeopardize your sleep hours in a day. Never compromise your mental or physical health for anything. Another crucial aspect that can keep your stress away and ensure your overall well-being is getting health insurance coverage for you and your loved ones. Stand a chance of getting exciting deals and incentives by buying online health insurance from insurance firms to keep the financial worries related to medical treatment at bay.

Click HERE to get online health insurance quotes.

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.

Two-wheelers are the most preferred travelling option for people from home to the workplace as they help your way through traffic smoothly. Moreover, as they have become daily support for middle-class families, many have dreamed of buying a two-wheeler, mainly since the pandemic emerged.

There are plenty of benefits to buying a second-hand two-wheeler. But before you purchase one, there are a few important things you need to keep in mind to ensure that you get the best value for money. For example, you don’t want to buy a vehicle that troubles you with additional money on maintenance or repair.

Below are a few tips to help you get the best deals for your second-hand two-wheeler.

1. Understanding the purpose of your vehicle:
If you need a vehicle for long trips, you will have to search for a high-performance touring bike to make your journey pleasant. Similarly, if you need a two-wheeler for your daily use, you may look for a comfortable motorcycle or scooter with a decent average.

2. Finding where you can purchase two-wheelers:
There are plenty of resellers available, both online and offline. You can directly approach offline showrooms of used two-wheelers or ask your friends for referrals. You can also check for resellers online to find a credible seller. It always helps if you connect with them in person and understand all the details.

3. Check the two-wheeler thoroughly:
Sometimes what you see online can be deceiving. Therefore, it is essential to check the vehicle personally. When you check the two-wheeler in person, you can observe the minor details such as any scratches, dents, and how well it is maintained. No matter where you buy the vehicle from, there are two necessary checks:

• Mechanical check

• Paperwork

In mechanical check, always look out for any rust, scratches, engine check, oil check, oil leakage (if any), dents, mileage, accident damage, brakes, air cleaners, gears, clutch, how many kilometres it has run already, and more.
Similarly, you need to check for a PUC certificate, RC book, service history, tax certificate, NOC, and more for paperwork.

4. Ask for a test drive:
The best way to know if the vehicle works appropriately and suits you the best is to take a test drive. Taking a test drive will help you understand if you are comfortable with the bike’s performance and power. Even if your bike looks perfect, it may not be a comfortable ride for you. Therefore, ensure that you do not miss out on the test drive.

5. Know the market value and negotiate well:
Once you are satisfied with the vehicle’s condition and the documents, you can do thorough research online about the current market value of the two-wheeler you are purchasing. You can talk to the seller and negotiate for the final price you are willing to pay. Once you and the seller come to a final price, you can sign the official paperwork and make the payment!

The tips mentioned above can help you pick the best two-wheeler and ensure that you are getting the best deals! But remember that buying a second-hand two-wheeler is just the first step. You need to ensure its safety by adding a layer of protection in the form of 2 wheeler insurance. You may opt for 2 wheeler insurance online and avail exciting deals and lower premium options offering the best value-to-your-money.

Click HERE to buy 2 wheeler insurance online for your two-wheeler.

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.