GENERAL INSURANCE BLOG

A shiny car with an attractive colour is a head-turner for anybody. After all, it's also a reflection of your personality. Yet, a few years down the line, the paint on the car usually loses its sheen and begins to look dull and dead. Failure to provide regular care to the car paint is the most common error car owners make.

Getting a brand new paint job can be heavy on your pockets and lower the value of your vehicle, but if you take care of things, your car's paint lasts for years. Along with below mentioned little important tips about proper care of the car's paint, we also recommend you to possess a car insurance that offers you coverage against any damages to the vehicle. You can also check online car insurance for the best premium.

1. Cover up your Car: Sometimes, the simplest of things are the most efficient ones. For example, putting a cover on your car for as long as possible is the key to preserving the paint. Also, owners who park their vehicles in an open area have to take special note of this point as their cars are more prone to damage by bird droppings, direct sunlight, and dust.

2. Regular Car Washes: A car wash at regular intervals would go a long way in protecting the paint of the car. However, only washing won't help; you need to wash it correctly to get the best results. For that, use a sponge, and a car shampoo specially made to suit a car's paint. Never use detergents and cloth. They cause more harm than good.

3. Drying is Equally Important: Washing alone isn't enough. If you leave your car to dry on its own, you're doing it wrong. The leftover water can cause a lot of damage to the paint. Always dry your vehicle right after a wash, that too in the correct way. Use a microfiber towel or a weave fibre cloth for the drying process.

4. Wax your car. Do not polish: While both of them are the techniques to bring out the sine on your car, there's a big difference between them. Polishing brings out the lower layer when a layer of the paint job is removed. On the other hand, waxing adds an extra layer of protection to the paint and is always suitable for your car.

5. Repair the damages: If your car has suffered from scratches and rust already, take the help of a car paint shop and repair the damages. The longer the scratches stay, the harder it takes to treat them and may permanently damage the paint job. The minor scratches can cause a lot of damage to the surrounding area of the body paint. So do not neglect these minute things and fix them before they create trouble for your car.

Additional coatings like vinyl wraps, paint protector film, and clear coat protectors can bring an extra layer of security for your car paint. Following these simple tips will surely turn your dull looking car into a shiny prize. As stated earlier, pick a suitable online car insurance plan as early as possible that will benefit you and your vehicle for an extended period.

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“Blood sugar” is termed as the amount of sugar present in the bloodstream of a body at a given time. Glucose is known to be the primary source of energy for a body. Therefore, having a stable blood sugar level is immensely important to carry a healthy lifestyle.

If the sugar level is disturbed, it can result in dullness in energy, anxiety, moodiness, fatigue, improper sleep, food cravings, brain fog, and diabetes if ignored for a longer time. Blood sugar can get out of control for two major reasons: either too much glucose or too little glucose for the body. In the first condition, your body gets more sugar than the body is habitual to, and in the second case, sugar is supplied in an inadequate amount. A balanced sugar level ensures sufficient quantity of glucose in the body.

Let’s understand 6 effective ways to keep your blood sugar level stabilized:

1. Daily exercise – Regular exercise helps maintain weight and improves insulin receptivity. An increase in the receptivity of insulin simply means better absorption of the sugar existing in the body. So remember, daily exercise is the most crucial aspect of the blood sugar management plan, and you should not skip it.

2. Tracking sugar levels – Monitor your blood sugar at regular intervals. It helps you track the sugar level and the changes you need to keep the levels managed.

3. Keep an eye on your diet – A well-planned diet is necessary for keeping blood sugar in control. The carbohydrates from foods are further broken down into sugars to provide a source of energy to the body. Hence, a low-carb and more fibre diet is ideal for balanced sugar levels. A rich fibre diet plays a preventative role and helps maintain your blood sugars.

4. Hydration – As a means to prevent your kidneys from flushing out the excess sugar in case of dehydration, drinking enough water throughout the day is very necessary. Water also ensures a lower risk of high blood sugar.

5. Quality sleep – Improper sleep or lack of adequate sleep can affect blood sugar and insulin receptivity. It releases growth hormones which may lead to weight gain and disturb the production and supply of sugars in the body. Avoiding caffeine before going to bed and sleeping in a cool and dark room helps you with a sound sleep.

6. Moderation – Maintaining moderation in daily activities will eventually lead to balanced blood sugar levels. Therefore, diet, weight, and proper exercise should be in a calculated proportion. Small steps to keep you active in the right direction can yield significant results in improving or preventing blood sugar.

Any diabetic person is not restricted from having health insurance and can get help for the care through a good health insurance policy. There is coverage of both type 1 and type 2 diabetes in a diabetes health insurance policy. In addition, health insurance also provides features such as illness related to diabetes and all costs and expenses for the treatment. Health insurance with Medicare advantage plans will also cover the cost of insulin. Make sure to check the benefits of the health insurance before you buy a health insurance policy.

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Understanding that two-wheeler insurance is as important as your health insurance because your vehicle needs coverage and security too, is very important. Not having insurance coverage leaves you vulnerable to financial damages during unfortunate accidents. But with insurance and its premium, there comes two more necessary factors, IDV and NCB.

If you are a first-time insurance buyer, then understanding IDV and NCB will help you decide on better insurance for your two-wheeler. Let's understand them and their benefits in detail.

Insured Declared Value (IDV) tells the actual market value of your two-wheeler. It's the highest sum of the amount insured that your insurance provider has promised to you. In case of theft, accident, or total loss of the vehicle, you will get compensation as per the IDV of your two-wheeler. Likewise, you can claim it in case of damage or replacement cost of your two-wheeler.

Two-wheeler is a tangible asset that doesn't always stay new. Hence, its value depreciates over the period, and as it becomes older, its premium amount also gets lesser. As a result, the IDV also reduces.

Never declare lower IDV than your bike's current market value to get a lower insurance premium. In case of any bike theft or total damage, your claim amount will be relatively much lower, thus making a significant loss to you.

No-Claim Bonus (NCB) is the total accumulated amount yearly. As its name suggests, it is a reward that the policyholder gets during insurance renewal for the two-wheeler. This bonus is offered in the form of a concession of the premium paid on insurance by you.

Below are the points why IDV and NCB play an essential part in determining your vehicle's insurance premium:

1. If you want to conserve your benefits of NCB, but unfortunately, meet with some mishaps, then you stand no chance to claim your bonus. A 'protection cover' can be helpful for such situations, which you can add to your NCB. It is nearly 10% of your premium amount. Though the number of claims are limited, this still helps to conserve your NCB bonus.

2. The main advantage of NCB is that it is more beneficial to the policyholder, not the vehicle. For example, if you opt a NCB for a new 2-wheeler, you can transfer it from your old two-wheeler to the new vehicle.

3. Your IDV mainly depends on the age of the vehicle. The other factor in deciding on IDV is the condition of your two-wheeler. So, it is crucial to evaluate IDV correctly, which further helps you with better insurance with a suitable premium.

4. When you opt for renewing your 2-wheeler insurance online, keep in mind that your premium depends on IDV. Lesser the age of the bike means higher IDV and higher premium.

As a final piece of advice, if you want to save more on insurance, then declare the correct IDV of your vehicle and get the benefit of your NCB. Both NCB and IDV balance your insurance premium and the cover to your two-wheeler.

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Cars are the most comfortable mode of commuting and road trips. Their design and features provide convenience to you both on a daily basis and also for a longer drive. Is your car your second home? If yes, then why not think of personalizing it with certain accessories or gadgets. If you choose the right accessories or gadgets, then they can make your time on the road more joyful.

This article shares some of the best accessories and gadgets that we recommend for your car.

1. Dash cams:

Dash cams are designed to capture astonishing, and bewildering moments during a car ride. Are you aware that Dash cams can save lives? Dash cams record your entire journey, covering the footage of the road as well as inside of your car. They are helpful at the time of accident investigation. Several advanced versions of Dash cams provide car protection that is one step ahead. In addition, they come with GPS that stands crucial to locate the car in case of severe accidents.

2. USB charger:

These days, there is nowhere you can go without a charged cell phone because your life depends on it! From work calls to booking hotels, travel tickets to even paying for food, you need your smartphone for it all. Therefore, it is advisable to own a USB charger capable of charging multiple devices at a time. In addition, car charges are handy products and provide immediate battery backup for your electronic devices during the journey.

3. Bluetooth speakers for music:

Even a short ride home is incomplete without some music. You wouldn't want to miss your favourite song playing on the radio during a drive. So it would be entirely ignorant if you do not have a good Bluetooth speaker. In the age of wireless technology, accessories like Bluetooth speakers are doing wonders. They come with specifications like better sound quality, on-the-go wireless connectivity, and hands-free operation. So get yourself one to enjoy the uninterrupted music during your drive.

4. Head-Up Display (HUD):

This gadget will make people fawn over your whole car as it gives futuristic and ultra-modern vibes. It projects the GPS on a transparent screen in front of you. Head-up displays are positioned on the dashboards so that the driver gets a clear view of vital data to see without disturbing the usual view angle. HUDs come with a navigation facility as well and make your car complete with satisfactory cruise control.

5. Rooftop Cargo:

While travelling, fitting all your luggage in your car's trunk can, at times, be difficult for you. Suddenly you realize that the insufficient boot space is a major issue as it cannot accomodate all your luggage. However, a cargo box for your vehicle will surely help you fit in your whole family's baggage for the next trip.

On a conclusive note, the modern and futuristic accessories make your driving experience more personalized and comfortable. You can also keep updating your old gadgets with newly added features.

Having said that, keep in mind your car insurance renewal remains an important priority. Always renew your car insurance to enjoy the benefits that it comes with, continuously.

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