GENERAL INSURANCE BLOG

Yes, we understand your problems, and the struggle is real when it comes to cars that stop suddenly, giving no hints of starting.
It can be a real deal when your lovely ride stops in the middle of a road and deny your orders to start. Having a car that stops suddenly can lead you to grave danger, especially when you are outside and need to go somewhere.
Interestingly, as easy as it is for your car not to start, similarly, there might be a principal reason behind the same. Therefore, let’s have a look at four common reasons why your car is not starting.

● Your timing belt is the real problem:

For those of you who don’t know what a timing belt is, it is an essential part of the car that is responsible for its effective running and performance. Your timing belt inside the vehicle is the primary reason why it keeps running and adapts to speed. Yes, gears do play a significant role, but the timing belt is what ensures that the engine’s valves open and close at the proper interval.
Therefore, your timing belt can be one of the most common reasons why your car has become idle and fails to start. A significant reason behind the same can be that the valves inside the timing belt and the pistons are not meeting each other at a said interval, failing to give you efficient results and movement.
Moreover, your timing belt is the major part that you should look after whenever you go for servicing. Having a timing belt that fails to keep up with the systematic opening and closing of the valves can lead to harmful damage to the engine. It is always advisable for you to change your timing belt at a regular interval of every 60,000 miles or five years (whichever is earlier).

● Your alternator might be the cause:

An alternator is that essential part of your car that is responsible for the effective functioning of all the electrical pieces of equipment that function inside your car. Its most significant function is to start the spark plug and essentially provide it with the spark that is responsible for the running of your engine.
Besides the successful starting of your engine, a failed alternator can also be the cause behind the failure of other necessary parts of your car. It is also linked with the plugs that power the headlight and therefore, you need to keep a check on your alternator as well, in case your car fails to start.

● Your battery might be corroded:

It is no hidden fact that cars perform majorly due to the presence of a battery inside it. The battery is responsible for running all the electric-based components of your vehicle and also plays a significant role in igniting your engine.
Corrosion on your battery can be serious trouble for you as it is like rust and will ultimately end up waiting away your car’s battery beside the other significant parts that are developed out of iron. We suggest you always keep a check on the health of your battery and its corrosion, every time you take it to a service centre.

● Are you sure your air filter isn’t clogged?

Similar to the other necessary elements of your car, the air filter might also be the cause that is failing your vehicle to start. An air filter plays a significant role in keeping up with the excellent health of the drivetrain of the car. It filters out all the harmful elements like dust particles to keep up with the smooth functioning of your vehicle.
An air filter is essential for your car to your car 'breathe'. A clogged air filter might also pose serious damage to the blockage of the exhaust pipe, leaving your vehicle to fail from the start.

Your home is the place where you have the most beautiful memories. It is the place where you grew up to become the person you are today and where your heart resides. Hardly anyone can wait for their job to be completed so they can rush back to the comfort of their homes. It is the place you will never forget in your life. Even when you grow up and get your own place, your childhood home will always have a special place in your heart. It is the place you saw all your dreams at. It is crucial to protect your home from unforeseen circumstances. In case of fire, you can lose all your belongings and your home and will be left with nothing.

Rebuilding your home will be costly, and not everyone saves up that much money. Getting home fire insurance from fire insurance companies in India is the best way to secure your home. In case a fire breaks loose in your home, home fire insurance will provide coverage for damage, and you will be able to rebuild your home without any problem. Here are ten things you learned in preschool that will help you with home fire insurance:-

• You can ask for an advance from the insurance company in case a fire occurred at your home. You will probably lose a lot of your belongings in the fire, and the advance will help you carry on with life with a bit of normalcy. The advance amount will be cut from your total coverage amount, though.
• Make a list of all the items that suffered damage due to fire. You should not throw anything away as the items though unusable, will be proof that they indeed suffered damage. If you throw away anything, the insurer may deny compensation for it.
• Call the insurance company as soon as possible after the fire. The insurance company will ask you for a list of all the items that you lost and their value. You must include all the items as well as repairs that will be required and injuries suffered by family members.
• Try to reduce any future damage at your home. The insurance company will expect you to protect the property from further damage. You must do some impromptu repairs in your capacity and move the belongings that are unharmed to a safe location.
• Keep all the bills that you incurred while you were living away from your home. The insurance company will only reimburse that you the amount you had to spend overhead from your general living costs.
• Hire a contractor to get estimates for the repair and replacement. Hire a contractor that has experience dealing with insurance companies.
• You must keep paying your insurance premiums even after filing the claim. This will make sure that your house is covered in case any damages occur after the fire.
• You have the right to not close our claim for as long as you want. You might have overlooked something in the trauma after the fire. Take some time to ensure you have covered everything.
• If you are not able to reach a settlement with the insurance company after hiring a contractor, you can hire a public adjuster. He will take around 10 percent of settlement money but can help you get a significantly higher settlement.
• 10. Do not be afraid to lose your coverage because of raising a claim. If disaster did occur, you are doing nothing wrong and will not be treated as a "habitual claimant."

All these things will help you when dealing with Home Fire Insurance . If you do not have a home fire insurance yet purchase one now from fire insurance companies in India.

Maritime transport is one of the most efficient ways to transport goods overseas. Maritime transport has been used since 2500 BC. When Egyptians started building wooden boats that were used to transport people and cargo along the Nile river. Since then, technology has progressed by leaps and bounds. Now, there are colossal metal ships that can carry tonnes of cargo overseas. The scientific progress in the maritime industry has allowed mass trade to take place between countries. It also allows people to purchase cars and machinery from overseas markets. Maritime transportation has made the world a more connected and smaller place. It goes to prove that there is nothing humans cannot accomplish once they set their collective minds to it.

To put countries and businessmen at ease, cargo ships must be insured. Marine insurance companies insure ships with their Marine Cargo Insurance Policy . There are several aspects to this policy. As a person working for a Marne insurance company, you must be well-versed in laws related to it. Here are five laws that anyone working in Marine insurance companies should know about: -

• A marine cargo insurance policy provides coverage for cargo and personal belongings of passengers on the ship. Cargo that is being transported is liable to be lost or damaged through one or many different perils from the time it leaves the supplier's warehouse until it is received by the consignee's warehouse. Loss or damages suffered due to various risks are to be transferred to an insurer, as they are included in their coverage.
• A marine insurance contract is a contract of utmost good faith. The agreement may be deemed void if utmost good faith is not observed by either of the parties. It is the responsibility of the assured to disclose every material circumstance to the insurer, which is known to the assured. Similarly, the agent must disclose every material circumstance to the assured, which is known to the agent. It is also important to note that the duty of the disclosure is not over after the conclusion of the contract and will continue.
• If a loss occurs, the insured must be in the position of a financial loss. In a contract, the assured must have an interest in the subject that is insured when the loss occurs. The assured must benefit from the safe arrival of the insured property or may have the liability of its loss.
• The insurer takes the responsibility to indemnify the insured for the loss suffered by the insured. The loss suffered must have been caused due to occurring of the event they are insured against. The insured is to be placed in a similar situation that would have been as if the loss had not occurred.
• The insurer has a right to take it upon themselves to substitute the insured to claim indemnity from a third party for the losses covered by the insurance. Thus, the insurer is entitled to recover the loss payments made to the insured from the negligent third party.

These laws are very important for anyone working in a Marine insurance company. These laws serve as the principles on which maritime insurance policies are built upon. It is crucial to keep them in mind while making the maritime cargo insurance policy.

There is nothing more saddening in life than the loss of a close family member or close friend. It is an exceptionally uncertain time for everyone when your family member or friend is battling an ailment. Medical expenses are an all-time high, and it is tough for people to provide quality healthcare for people close to them. During these tough times having health insurance helps a lot. Now you can purchase health insurance online through Online Health Insurance Companies . Health insurance provides coverage for most of the medical expenses incurred for diseases and medical conditions covered in the policy. It is very important to be informed about the pros and cons of health insurance. Information is power. More you know, the better decisions you will be able to take. Health insurance speakers play an important role in society by informing the community of various benefits of health insurance. Here are ten great individual health insurance speakers in India: -

• Manoj K Shrivastava - Manoj Shrivastava works as the chief information security officer at Future Generali India Insurance Company Limited. He has worked in the information technology and service industry. He has a bachelor's degree focused on Mathematics and is an exceptionally skilled consultant.
• Jehaan Shroff - Jehaan Shroff is a senior associate at Khaitan Legal Associates. He has a bachelor's and master's degree in law as well as an MBA degree under his belt.
• Anuradha Sriram - Anuradha Sriram is the chief actuarial officer at Aditya Birla Health Insurance. She is an exceptionally skilled mathematician and works closely with Aditya Birla Health Insurance in developing insurance policies.
• Ishita Mukherjee - Ishita Mukherjee is Chief Operating Officer at Bharti AXA Life Insurance Company. She is a business leader, and her professional career has spanned an impressive 24 years.
• Pratibha Sarathy - Pratibha Sarathy is the head of IT at General Insurance Council. She is a philanthropist who has worked as a teacher to blind children.
• Sumeet Aggarwal - Sumeet Aggarwal works as the corporate vice president of IT and heads digital solutions in Max Life Insurance Company Limited. He is an award-winning track record for building, defining, and optimizing IT solutions.
• Kirti Patil - Kirti Patil is the senior executive Vice President and Chief Technology Officer at Kotak Life Insurance. She has over two decades of experience in the industry. She is highly celebrated and has numerous accolades and awards on her name.
• Atul Deshpande - Atul Deshpande is the Chief Operating Officer at SBI General Insurance. He has over 29 years of experience in the general insurance industry. He is extremely educated and has been in a leadership position for more than the past 16 years.
• Srinivasan Iyengar - Srinivasan Iyengar is chief Operating Officer at Reliance Nippon Life Insurance. An expert consultant in the life insurance industry. He has substantial experience in the life insurance domain. He has been a distinguished speaker at various events and has been the winner of national and international awards.
• Varij Pujara - Varij Pujara works as Chief Distribution Officer in Aditya Birla Life Insurance. She has over two decades of experience in the industry and has worked in several financial domains.

These speakers have spread light among crowds on many positive aspects of health insurance . Their contribution is immeasurable and has saved countless lives. Health insurance is essential. If you do not have one yet, you can easily purchase it online through online health insurance companies.