GENERAL INSURANCE BLOG

Commuting by bike is a routine affair for millions of Indians around the length and breadth of the country. If you are a daily commuter and have to go through crowded, traffic-filled small lanes in India, a bike can be the best form of transportation.

Bikes can be great fun, even for long rides. However, the long journey can be tiring and cause body aches. Aches can spoil your remaining adventure and may dampen your high spirits about bike travel.

You can ensure thrilling long rides without any aches by following these tips.

1. Exercise
Long rides can cause severe backaches. Riding a bike puts extensive pressure on the core muscles because they bear your body weight. You need to strengthen your midsection and ensure that your spine stays strong. Several exercises strengthen your back, but you need to do them regularly, not just for a few days. There are some yoga asanas, too, that can help to strengthen your spine. Exercising will help preserve your core muscle strength and ensure your spine does not suffer undue pressure. It will benefit you immensely and prevent long-term health problems as well.

2. Correct posture
Incorrect posture while riding your bike can result in back pain, which even regular exercising cannot help. You should maintain a straight back during long bike rides. Line up your shoulders above your waist, and never sit in a hunching position. Most riders ignore their sitting posture and end up with back pain during long rides. Also, do not put extra weight on your back, such as a heavy backpack. Undue weight can also spoil your posture and cause back ache.

3. Rest occasionally
You must occasionally take a rest during a long ride on your bike. Continuously riding your bike without stopping can cause chronic injury. Stop frequently and get down from your bike. Try simple stretching exercises such as arching your back forward and backward, twisting your shoulders and arms, and leaning in front to touch the toes. It will relax your body and freshen your mind and spirit.

4. Give your hands a break too
The incorrect gripping style of the bike handle can result in hand aches. Your wrists should have about 10-15 degrees back-bend on the handle. Some bikes have very low handles, which can cause discomfort and pain, especially during long rides. You can always get your handle position adjusted by a mechanic if you feel it is too high or too low before commencing the long ride.

5. Good seat cushioning
Company-fitted bike seats may not have adequate cushioning. This can cause discomfort and backache during long bike rides. Get a good seat cover for your bike that has proper cushioning. You can get it customized and choose the cushioning level as per your choice and comfort.

Many bike enthusiasts love taking their bikes on long rides for a thrilling experience. Following the above tips will ensure that you truly enjoy your long ride without aches and discomfort during your journey.

A good 2 wheeler insurance policy is as critical for any rider as it ensures a comfortable long ride. It will provide you with financial coverage for an accident or damage. The insurance company will reimburse you for your bike’s current value if stolen. Moreover, having valid 2 wheeler insurance while riding your motorcycle is legally compulsory. So what are you waiting for? Go get your 2 wheeler insurance policy immediately!

Click HERE to buy a 2 wheeler insurance policy in just a few clicks.

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.

Bike insurance is essential for every motorcycle owner to protect themselves from financial losses because of unfortunate events such as theft, damage, or accidents. Most people purchase bike insurance online as it saves time and offers them various options to compare and choose from. However, sometimes people encounter situations where they should consider cancelling their bike insurance to save unnecessary payments.

If you are selling your bike, moving abroad with your bike, or your bike is no longer in use, you can save unnecessary premiums just by cancelling your insurance policy.

By understanding these situations, bike owners can make informed decisions about cancelling their bike insurance policy when necessary. Without further ado, let's discuss these situations in detail.

1. Selling your bike
If you have sold your bike, you do not need to keep the insurance policy active. In such a scenario, you should cancel your bike insurance policy to avoid paying unnecessary premiums. You can easily cancel your bike insurance online by contacting your insurance provider.

2. Moving abroad
You must buy bike insurance in that country when moving abroad along with the bike. In such a situation, cancelling your existing bike insurance policy is advisable to save you from paying unnecessary premiums. Contact your insurance provider to cancel your policy, and they will guide you through the process.

3. The bike is no longer in use
You do not need to pay for bike insurance if your bike is no longer used. For instance, if you have switched to public transport or a car, you should cancel your bike insurance policy to save money.

The other probable reasons when you can cancel your bike insurance are;

● Not satisfied with the policy
If you are dissatisfied with your current bike insurance policy and have found a better one with more benefits and a lower premium, you can consider cancelling your existing policy. However, before cancelling, you should read the terms and conditions of your current policy to understand if there are any cancellation charges or penalties.

● High premium
If you are finding it difficult to pay the high premium of your bike insurance policy, consider cancelling it. However, before cancelling, you should compare policies from different insurance providers to find one that suits your budget.

● Reckless driving
Your insurance provider may cancel your policy if you have a history of reckless driving and have been involved in multiple accidents. In such a scenario, it is advisable to surrender your bike insurance policy and look for a new policy that suits your needs.

Bike insurance is a crucial aspect of bike ownership as it provides financial protection against any unforeseen events. However, there are certain situations where cancelling your bike insurance policy is the right decision. It is essential to remember that before cancelling your policy, you should read the terms and conditions of your policy to understand if there are any cancellation charges or penalties. By cancelling your bike insurance policy when necessary, you can save money and ensure you buy the right bike insurance online to fully meet your needs from the comfort of your home.

Click HERE to learn more about the benefits of purchasing bike 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.

For most Indians, purchasing a car is a significant milestone. It is an asset that requires heavy investment, offers convenience, and doubles as a status symbol. Over time, alternate mechanisms of protecting your car against uncertainties have emerged. These mechanisms provide owners with greater security features. One such upgradation is that of smart vehicles. While advanced tech-powered features make the driving experience safer and smoother, they also raise cybersecurity concerns.

For a vehicle that holds such significance, it is necessary to buy car insurance policy online to protect it against accidents and financial worries.

Here are some tips to prevent your smart car from getting hacked:

1. Regular updates
Cars are getting smarter by the day as manufacturers race toward developing the best systems for their automobiles. With such rapid developments, installing those updates in your vehicle becomes necessary. This can be done during your vehicle's servicing at an authorised service centre at no additional cost.

2. Secure your fob
A key fob, also known as a fob, is a common feature in the latest car models. It replaces a traditional key and facilitates keyless access to your car through electronic signals by pressing a button. While this makes opening your vehicle easier, hackers have found ways to unlock your car even when the fob is not nearby by cloning the signal using an e-signal amplifier.

Consider using a specific fob holder that protects it against hackers to prevent such signal-altering tactics. Additionally, consider purchasing an add-on key protection cover. This ensures greater protection of your vehicle and allied tools. Also, remember to buy car insurance policy online as an additional layer of protection for your car.

3. Keep an eye on Bluetooth connectivity
Bluetooth connectivity has been around for a long while, and its scope of use has expanded to other electronics than just personal communication devices. While connecting your phone to your vehicle can make drives entertaining with music or navigating easier, turn off your vehicle's Bluetooth to ward off hackers' prying eyes when not in use. Not only can they access valuable data, but re-alter routes and pose a threat to your safety.

4. Embedded firewalls
With connectivity gaining significance, car manufacturers offer multiple mechanisms to transmit data directly between owners' devices and vehicles. Do not allow communication or connectivity access to any unauthorised devices. You can install a firewall that eliminates communication attempts from unknown vehicles or devices.

5. Smartphone connectivity
As we become increasingly dependent on your smartphones, they are also doubling as an alternative to keyless entry to your car. Ensure your smartphone is secure before connecting to your vehicle using the manufacturer's authorised app. Any existing malware may prove to be an issue in the long run. Therefore, for the security of your vehicle and personal data, check for any signs of malicious intent, unauthorised apps, and data packages on your phone before you connect it to your car.

6. Avoid third-party updates
You must only install or modify your car's software approved by the manufacturer. If you install any new updates through a third party, you may encounter issues with your car's functioning and create loopholes that hackers can use to manipulate your vehicle's processing.

With smart features rolling out daily, it is inevitable to eliminate cybersecurity threats, even when it comes to cars. Consider this when comparing options to buy car insurance policy online to find the best one that offers comprehensive protection against hackers, accidents, and more. Feel free to contact a cyber expert if you feel that the situation might get critical. Stay alert and try to gain fundamental knowledge about the potential risks to your car's safety due to hacking attempts.

Click HERE to buy car insurance policy 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.

Relocating to a new country is a thrilling and challenging experience that requires careful planning to ensure a smooth transition. If you're moving to India as a Non-Resident Indian (NRI), one of the most critical aspects to consider is your healthcare needs. While India has made significant strides in healthcare, medical costs can still be quite expensive. Having adequate health insurance coverage is essential to protect yourself and your family.

Here we'll discuss why purchasing health insurance is essential for NRIs planning to relocate to India.

1. Access to quality healthcare
One of the most significant advantages of purchasing health insurance is having access to quality healthcare. India has an excellent healthcare facilities system and skilled healthcare professionals, but these can be expensive. With health insurance, you can access the best hospitals and doctors without worrying about the high cost of medical treatment.

2. Comprehensive coverage
Health insurance offers comprehensive coverage for medical expenditures. It covers hospitalisation expenses, doctor's fees, diagnostic tests, and medication costs. NRIs can opt for individual or family floater policies to protect themselves and their dependents, ensuring everyone can access quality healthcare when needed.

3. Protection against medical emergencies

Medical emergencies come without warning, and they can be financially draining. With health insurance, you can protect yourself against such emergencies. Most health insurance policies cover critical illnesses and accidents, providing financial security and peace of mind.

4. Cost-effective

Health insurance is a cost-effective way to protect your health and your finances. Paying a small premium regularly ensures that you are covered for medical expenses that may arise in the future after relocating to India. Additionally, some health insurance policies offer tax benefits, which can help you save money on taxes.

5. Pre-existing conditions
If you have a pre-existing medical condition, it's essential to have health insurance coverage. Most health insurance policies cover pre-existing conditions, ensuring you have access to quality healthcare when needed. Declaring your pre-existing conditions when purchasing health insurance is crucial to avoid future disputes.

6. Cashless hospitalisation
One of the advantages of health insurance is cashless hospitalisation. In a medical emergency, you can access cashless treatment at any network hospital, ensuring that you receive the best possible care without worrying about the high cost of treatment. This feature especially benefits NRIs who may need access to more cash in India.

7. Tax benefits
Health insurance policies offer tax benefits under Section 80D of the Income Tax Act, making it an excellent investment for NRIs. You can claim deductions for the premium paid towards health insurance for yourself, your spouse, and your dependent children. This deduction can lower your overall tax liability, making it a wise financial decision.

8. Flexible coverage options
Health insurance policies offer flexible coverage options to suit your individual needs. You can choose the sum you want to insure based on your age, health condition, and family size. Many policies also offer additional coverage options such as critical illness, maternity, and overseas coverage, making it a versatile investment for NRIs.

9. Peace of mind
Purchasing health insurance provides peace of mind, knowing that you and your family are protected against any unforeseen medical expenses. With health insurance, you can focus on settling into your new life in India without worrying about the high cost of healthcare.

Moving to India as an NRI can be an exciting experience, but it's crucial to have adequate health insurance coverage to protect yourself and your family. Health insurance provides access to quality healthcare, comprehensive coverage, protection against medical emergencies, and peace of mind. Consider purchasing health insurance when relocating to India to ensure you have access to quality healthcare when needed.

Click HERE to learn more about the benefits of purchasing health 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.