GENERAL INSURANCE BLOG

Only because you made it home “safely” does not make drunk driving a good choice. People usually tend to neglect the severity of driving under the influence of alcohol. When you decide to drive home in a drunken state, you endanger your own life and the lives of people around you on the road.

Regardless of your driving skills, mixing driving with alcohol can put you at a higher risk of causing an accident, injury, or even death.

In India, statistics say that the cases of drink and drive are on larger sides. As a result, we hear news of accidents, unfortunate deaths of people on roads, and damages to vehicles. The only solution is to avoid driving when drunk.

Here, let’s have a look at the consequences of driving under alcohol influence.

1. Lack of coordination and slowed reflexes:
When you consume alcohol, your body starts reacting to events slowly. Because you won’t be able to respond immediately, the chances of an accident increases. While under the influence of alcohol, your motor control, such as hand, eyes, and foot coordination will slow down. These coordination abilities are vital for safe driving, and alcohol should not hinder them.

2. Increased chances of getting into an accident:
A driver with a BAC (blood alcohol content) of 0.10 percent or above is seven times more likely to be involved in a fatal car accident than a sober driver. A driver with a BAC of 0.15 percent or above increases their risk by 25 times. And, while these figures demonstrate the dangers of drunk driving, being at or below the legal limit does not indicate you are safe.

3. Disturbed vision:
Drinking may cause your vision to blur or cause your eyes to manoeuvre on their own. You will even partially lose control over your eye movement. This vision impairment can influence how you’re able to judge the space between your car and other vehicles or objects on the road. You may even lose your visual modality, which plays a crucial role in safe driving. In general, the more you’ve had to drink, the more impaired your vision could be.

4. Poor decision making:
Even a small amount of alcohol can impair your judgment and concentration. Driving requires so much of your undivided attention that it isn’t worth the risk. You must be able to stay in your lane, control your speed, give other drivers adequate space and attention, and obey traffic signals. Because alcohol affects your attention, it dramatically increases your chances of being involved in an accident.

5. Your insurance premiums may rise:
Your driving risk partly determines your insurance premiums. For example, a person convicted of drunk driving will have to pay higher car insurance premiums. This is because the insurance company will most certainly classify that person as a high-risk driver and increases your private car insurance as a result.

Overall, the risks of drinking and driving significantly outweigh the benefit of hoping to arrive home safely. Even when sober, driving a car is challenging in our country. You need to understand that you all have a family back home, be responsible and take care of yourselves. For additional protection, make sure you take the appropriate decision and invest in private car insurance.

To look for private car 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.

Children are full of energy, and therefore they tend to have a higher risk of being injured in a moving vehicle. Ensuring the maximum safety of your child is an essential part of parenting, and the same is applicable when you are travelling with your kid.

Especially if you have a toddler, you have a higher responsibility of ensuring their safety. Although Indian law has not made having a child seat mandatory, you as a parent can take numerous measures for your child. Ensuring the safety of your car and yourself is equally important as accidents, and unwanted situations occur uninvited. Search for online car insurance and buy one ideal for you if you haven't purchased the right insurance policy yet.

Here are five reasons why you must have a child seat.

1. Safer compared to holding the child in arms:
One of the common myths parents believe is that holding your baby in your arms will protect them better. However, when an unwanted situation arises, your arms may not be sufficient to hold your kid tightly.

2. Seat belts are not convenient for kids:
Irrespective of the car you own, all the seat belts are designed from the adult's body perspective. In an accident or when you pull a sudden break, this may result in the baby falling and getting injured. Child seats are comfortable, and they keep the baby safe from jerks and bumps.

3. Lack of concentration while driving:
Most parents are worried about what their child is doing in the back seat or whether they are safe when they do not have a child seat in the car. Parents constantly look at their children while driving, and this distraction can cause accidents. Having a child seat will ensure they do not move and are protected with a comfortable seat belt. This will help you to just concentrate on the road and your car.

4. Kids are incredibly active:
Kids are filled with energy most of the time. A baby can try to open the dashboard, attempt to open the door and injure themselves. A child seat will ensure your kids do not attempt to act unsafely.

5. A newborn should only travel in car seats:
The most common myth is that parents believe their newborn is highly fragile in a car seat. However, the truth is, they should only travel in a car seat. A child seat is designed in a way that ensures the safety plus comfort of the baby.

Things to know before picking the right child seat:

• Pick a seat that meets the safety standards set by the country. You can see this on the label of the child seat.

• Learn how to install the seat. The label has all the instructions, plus there will be someone in the store who will assist you or help with the first installation.

• Make sure to fill the product registration form. Furthermore, check out the warranty and the brand's name by doing a little research about it on the internet and checking the reviews. Since it's a question of your child's safety, be cautious while picking the right one.

There are professional companies involved in making a child seat with expertise and immense research background. If you are travelling with a baby, having a child seat should be your priority as a responsible parent. And, as a responsible owner, getting online car insurance should be the next thing on your priority list. Implement all these points, and then you are all set to go on joy rides with your child.

Click HERE to know more about an online car 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.

Living long is not a myth. There are plenty of ways to improve your life expectancy rate and improve the overall quality of your life. Since childhood, we have been hearing the adults guide us on our habits. That’s right; there is no rocket science behind adding those extra five years, but everything that your mother told you. Besides it, having health insurance is also a part of protection you need to consider, as it keeps you stress-free and allows you to focus on your well-being.

In this post, we will spotlight all the right moves giving you extra five years to enjoy life! Let’s dive in!

1. Healthy food for a wealthy mood:
Maintaining and eating a healthy diet has never been as challenging as it is now. Due to hectic work schedules and trying to balance our social and personal lives, we often neglect our food. Most people prefer grabbing a quick fast food on the go. However, they often fail to realize the consequences of regularly consuming fast food in the long run.
A healthy diet must include lots of green vegetables, nuts, dry fruits, natural sources of proteins including beans and fish, and more. Adding turmeric to your diet also plays a vital role as it has curcumin that facilitates anti-ageing strategies. You can also consult a nutritionist if you want to focus on your food intake highly.

2. Getting drunk makes your junk:
Everyone likes to take a few drinks during parties, festivals, holidays, and other events. However, when you’re taking that sip of your favourite wine, be extra careful over how much you are consuming. Alcohol can play the role of both – being healthy and damaging simultaneously, depending on your intake. Regular higher intake of alcohol can cause life-threatening diseases and damage your liver and other organs.

3. Look fit, feel fit – exercise regularly:
This is something that we’ve been hearing as a child. Fitness and your life expectancy go hand in hand. Keeping your body physically active alone includes plenty of health benefits. According to research, 15 minutes of physical exercise a day can add up to three years in your life and promote a healthy lifestyle.

4. Smoking isn't cool:
No, you do not need “just one drag”. Whether you smoke one a day or a packet a day, you’re at an equal risk of early death and health problems, especially lung damages. In addition, smokers may reduce up to 10 years of their life compared to those who have never touched a cigarette. If you are already a smoker, know that you can always find the right solution and take the initiative to quit. You may seek help to quit smoking and find a healthy and non-damaging alternative.

5. Better weight, better life:
Many diseases can be signalled goodbye when you maintain a healthy weight. A healthy weight varies from one person to another depending on various factors, including gender, age, height, and more. Being underweight can welcome unnecessary health issues. Similarly, being overweight also puts you at a higher risk of health conditions. It is in your best interest to contact your physician and take their guidance on your ideal weight.

Although these five tips are enough to push you towards a healthy lifestyle, health issues can still arise. Irrespective of your age, you can encounter multiple problems, from a simple pain in your leg to severe disease.

Protecting yourself and your loved ones with health insurance can be another primary step that you should consider to live a healthy and long life.

Click HERE to know more about the health insurance plans that fit your needs.

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.

Transport is the lifeline of civilization, and the role of low-cost transportation in a developing country like India is crucial. For a larger section of society in urban, semi-urban and rural areas, cars are non-affordable. Therefore, two-wheelers are an all-time favourite among the middle class who can afford something more sophisticated than a bicycle.

While two-wheelers are necessary for many, poor road conditions, unorganized and rash driving, and traffic rules violations make bikers unsafe. Therefore, it is always important to stay safe on the road, ride with proper safety gear and always wear a helmet. To get additional protection for your two-wheeler, you can purchase 2 wheeler insurance online. Insurance can be of great help to overcome the losses due to mistakes that happen on the roads.

Let's have a look at a few common mistakes to avoid while riding a two-wheeler.

1. Listening to music:
Nowadays, many helmets come equipped with a Bluetooth system, with which you can attend calls. They can also communicate with other riders during a group ride, but many people misuse this feature by listening to music through Bluetooth. Music can be distracting to severe extents. It reduces your alertness, and you compromise with your listening ability too. It is always important to have situational attentiveness when in traffic. You can listen to music on a long trip, but that too on a low volume. Be sure that you are still able to hear the faint noises of other approaching vehicles.

2. Travelling at night:
People try to cover long distances at night to avoid the harsh sun during the day, but it can be hazardous. Riding at night is way more challenging than riding in broad daylight. Naturally, the human biological clock winds down at night, thus, making you feel sleepy. So, if you are not a professional rider, it is highly unsafe for you to ride long distances at night. Try to start early in the morning and ride till midday to cover long distances instead of riding at night.

3. Carrying heavy loads:
People have a habit of using their scooters to transport goods for a short distance which can be dangerous. Not only does it deteriorate the performance of the vehicle in the long run, but also affects the braking mechanism. Riding with more than the gross axle weight compromises the vehicle's ability to stop under panic braking situations. So be sure to check out your vehicle's gross axle weight (GAW) on the manufacturing company's website.

4. Overtaking at a blind curve:
At the blind curves on the road, you can only see a few meters in front of you. In such situations, it is risky to overtake the vehicle ahead of you because you may be unaware of any vehicle approaching from the blind side of the curve.

We all have come across at least one person who has met with an accident while riding a bike. Two-wheelers are convenient and cost-effective, but they are also more prone to accidents. So, be doubly sure to have a valid insurance cover, and if you don't have one, we suggest buying a 2 wheeler insurance online. It will financially back you in case of an accident. Be cautious while riding to have safer journeys!

Planning to buy 2 wheeler insurance online? Click HERE for details.

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.