GENERAL INSURANCE BLOG

Do you want to break a bad habit? You probably should. According to one research, nearly 40% of the "decisions" we make aren't decisions. It's a matter of habit. We do what we've always done, making us less productive, efficient, healthy and fit. In other words, less in everything than we could be.

So, what can be done to change an old bad habit and adopt a better one? The 21/90 rule helps you to overcome that. The 21/90 formula is a simple approach that can help you reach your predetermined goals if followed and challenged for a few days. According to the method, if you can stick to a plan for 21 days, it becomes a habit, and if you stick to it for another 69 days or a total of 90 days, it becomes a lifestyle.

In this article, we share the tips that will help you get started with this method and stick to it.

1. The first stage is to have a clear goal: You will not be able to see where you're going in life unless you have clear goals. Identify your purpose, define your vision and translate your objectives into attainable benchmarks. You've almost assured success if you have a clear milestone to achieve.

2. Have a strategy: Every new habit requires a plan. It assists you in achieving your objectives. Create a timeline of activities to follow. Decide how you'll reward yourself at significant milestones, such as the 21st day, 69th day or 90th day in this 21/90 approach.

3. Resist temptations: The best method to create a new habit is to eliminate everything that would hold you back or tempt you to return to your old habits. Rebuilding your surroundings will help you distance yourself from your old habits. For example, don't stack up on snacks in your house if you're trying to lose weight or uninstall the social media apps from your phone if you're trying to cut on your screen time.

4. Avoid distractions and be disciplined: Theodore Roosevelt's words, and we quote, "With self-discipline, almost anything is possible". Self-discipline is tough to attain since it demands a fight with oneself to make the best decision. But if you master the art of self-discipline, nothing can stop you from being your best self. You can carve out a schedule or reminder to pay your utility bills or online health insurance payment on time if you have a habit of missing the due date.

5. Eat, sleep and repeat: It's time to restart what you've completed in 21 days and help you achieve your first objective. Set a brand new goal for yourself, and with your new habits, you'll be on your way to 90 days and a lasting lifestyle change in no time.

Life is delightful when you enjoy what you do. When you begin your 21 to 90 days journey for a lifestyle change, don't forget to enjoy the process. It will be more accessible, and you'll reach your milestone in no time.

Another effective way to cultivate new habits is to tie them to the existing ones. So, if you are already getting up early for some work, add regular exercising or a morning walk with it. Spending time to maintain good health, managing routine medical check-ups, owning a robust health insurance plan and renewing your online health insurance is important for overcoming any health-related bad habits. So, start small and keep adding new habits with this 21/90 magical rule!

Click HERE to get the best health insurance online.

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.

Flying thousands of feet up in the air for the first time is always one of the best experiences in life. Picking a window seat for stunning views, excellent food, comfort, and convenience are a few things you can associate with air travel. When you are boarding a plane for the first time, you have different emotions; your eyes sparkle with anticipation, your heart races with delight, but there is a lot of confusion that daunts you. Few of us wait impatiently for our first ever flight journey, whereas others are a bit worried, and it is natural.

So, to prepare you for this incredible experience, we have put together a guide that will make your first-ever flight journey more exciting and less daunting.

1. Turbulence is normal:
Even regular flyers are still afraid of turbulence, but it is nothing to be scared of. Engineers design the planes to undergo much more shaking than you could have imagined.

2. Arrive early:
Usually, people adhere to the reporting times given by the airlines. Still, being early for your first flight makes you a little more relaxed to adjust to the atmosphere at the airport. The spare time lets you complete the baggage check-in, collect boarding cards, security formalities and cross the immigration counter with ease.

3. Know about the airline's luggage policy:
How much luggage would you be allowed? How much should they weigh? What all things are you restricted to travel with? What if your luggage is misplaced? Acquaint yourself with all these important guidelines to avoid chaos.

4. Not all noises indicate dysfunctional aircraft parts:
Commercial planes are super complex machines. And it is pretty normal for devices to be noisy. For example, when retracted or deployed, the landing gear sounds like a thud that usually startles people. But, even the engine will be relatively quieter once the aircraft is in the air at a certain altitude.

5. Prepare yourself for motion sickness:
The likelihood of having it in mid-air is less because you do not experience twists or turns as you do in a car or a bus. But, some people have aerophobia that makes them feel sick and anxious mid-air. There are air sickness bags in each seat, and you can bring pills for yourself.

6. Choose your seat according to your liking:
Window seats let you peep outside with a few of the most sensational sights; on the other hand, aisle seats give you the option to take a walk more frequently during the journey. Consider your choices if you get the liberty to select your seat.

7. Carry these useful items:
Bring good noise-cancelling headphones, eye masks or neck pillow with you if you wish to have a few good hours of pleasant sleep. Use onboard entertainment music to engage you throughout your flight and make you rejoice in the journey with the melody of beats.

8. Comfortable dressing:
Aircraft's economy class seats are not the most luxurious ones out there. So, for a comfortable journey, choose breathable and stretchable clothes and footwear; think about the weather too.

9. Keep your cabin baggage light:
Wisely choose what you will pack in your cabin baggage. Remember to put the liquids, medicines, wallet, and electronics on top as, during checking, you might have to remove them for inspection.

The first trip can be a nervous one, but if you're confident and enthusiastic, you'll never say 'no' to flight journeys. Everyone has had an enjoyable first flight experience that becomes a story that they often recollect.

Also, as you pack your bags, it is essential to ensure some security in terms of insurance before boarding a flight. We recommend having general insurance plans as these will prove to be helpful all the time. General insurance plans include protection for your travel and will be beneficial to cover passport loss, any loss of baggage, or medical emergencies. So, keep the worries aside, and get ready to check in for your first flight experience!

Are you travelling internationally for the first time? Click HERE to know about the essential travel 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.

You may be spending every day driving around in your car but not well aware of its every feature. We can guarantee you that you have missed out on more than one feature of your car. But you have got nothing to worry about as we have you covered.

Failing to notice each of your car’s features is quite common and happens to all of us. The reason could be because it is not in your direct vision or sometimes, we are just too caught up to notice it. People are not familiar with these high-tech vehicles yet, and it is understandable.

Allow us to introduce you to these amusing features that you probably overlooked.

1. A trunk that doesn’t require you to use your hands: Some new cars have these sensors that automatically unlock and open the trunk when you wave your palm in front of a sensor or detect your smart key in your pocket.

2. Extra storage space: Few cars come with hidden storage under the passenger seats or beneath the foot space.

3. Rearview mirror that dips: The rearview mirror has adjustable settings to keep you from blinding by headlight glare? To switch between “day” and “night” settings, you only have to utilize the tab below the mirror.

4. Sensors for lane centering: Another feature of self-driving technology works based on a camera installed behind the windshield to scan lane lines and alarm you if you go out of the lane.

5. Hooks for hanging things: Also called the takeaway hooks, these are commonly located near the headrests and above the rear doors. You will also find spaces to hang your shopping bags if you look closely.

6. Fuel-efficient body frames: Some cars feature aluminium frames instead of steel bodies to reduce their weight. It makes the car more fuel-efficient as it increases the speed and eventually improves the mileage.

7. Magic seats: This seat system allows you to fold the passenger seat entirely to increase your boot space.

8. Colour-coded cables: Many modern-day cars come with different colour cables in the hood so the driver can quickly know what to look for between maintenance. The oil cap, coolant, brake fluid, and washer fluid cables are all colour-coded for convenience.

9. Amplified soundproofing: Accelerometers fitted on the vehicle detect the motions and vibrations that generate noise. Then the Bose RNC technology sends a cancellation signal directly to the car’s sound system.

10. ESD: It stands for Electronic Stability Control. This feature automatically applies the car’s brakes to regulate a turn in tight corners or bad weather.

These are the top ten overlooked yet valuable features of newly produced cars that we accumulated for you. So, acquaint yourself with all the fantastic features of your vehicle and make your driving more comfortable and hassle-free than ever.

As much as it is fun to discover your car’s crazy features, it is crucial to look after its protection. Overlooking your car’s functions may not be a big deal, but ignoring your car insurance renewal is. Do not forget to keep your car insurance renewal on time to avoid interruption in receiving the policy’s benefits in terms of safety during the time of mishaps.

To buy or renew car 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.

The craze of upgrading the look and feel of bikes has been a massive attraction, especially for the youth. These modifications are mainly made on the aesthetics or performance of the bike. However, people spend hefty amounts to get these modifications without considering their influence on the vehicle's insurance premium.

Also, know that not every modification is for looks and performance; some are for ensuring security. So, the question remains, how do all these modifications affect the insurance premium?

Below, we've explained all the types of modifications and their effect on your vehicle insurance premiums.

1. Modifications aimed at performance enhancement:
All bikers seek greater performance from their motorcycles. Whether it's a small or large modification, most of them enjoy altering things that they feel would considerably improve the performance of their bikes. Changes are done for faster acceleration, better handling, and effective braking.
Typically, insurance companies view such bike modifications as 'risky,' as more incredible speed increases the likelihood of an accident. As a result, they charge a higher premium for bike insurance.

2. Modifications aimed at aesthetics improvement:
Aesthetic changes improve your bike's visual appeal and give it a distinct appearance. For example, you may customize your bike by changing its colour, altering the seat cover, adding fibre components to bulk up the bike, or adjusting the headlights to make it look sporty. These upgrades come with an increased danger of your bike being stolen. As a result, the cost of your insurance premium may shoot up.

3. Modifications aimed at security:
Not all bike upgrades raise the value of the bike. Security upgrades might help you save money on your bike insurance premiums. Such changes are to reduce the likelihood of bike theft. Increasing the security of your bike with sensors, locks, and other such equipment can help you save money on your bike insurance.
Insurance companies provide discounts for installing anti-theft systems because they perceive it as a deterrent to theft. As a result, it is a win-win situation for both the insurer and the insured. To get benefits on your bike insurance rate, make sure you only install gadgets that have been certified by the Automotive Research Association of India.

4. Modifications aimed for specially abled persons:
If a rider is differently abled, his bike will be modified to accommodate his impairment, thereby allowing him to ride more comfortably and conveniently. There are no additional fees for such modifications. Instead, the insurance provider offers a discount to make these modifications.

Several factors influence the premium amount whenever you modify your bike. As a result, you must notify your insurer of any changes while purchasing bike insurance online or physically.

We all want to make our bike unique by personalizing it. However, before you make major changes to increase its appearance and worth, you may seek clearance from the ARAI and RTO about all the modifications. As previously indicated, modifications made for safety purposes will not raise insurance premiums, but those made for aesthetic reasons can be pricey. When purchasing or renewing bike insurance online, make sure to inform the insurer of any changes to avoid any hassles at the time of claim settlements.

Click HERE to get the best two-wheeler insurance for your modified bikes.

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.