GENERAL INSURANCE BLOG

It's the new year, and one resolution that we all commonly try to make is to keep our homes organised and well-maintained. A well-organised home is the key to an organised and healthy you. Good home organising ideas with the proper implementation strategy can give you the perfect home without spending a bomb on it.

Do you also have a new year resolution of organising your home well? Here are a few interesting ways you can achieve it this new year.

1. Take one room at a time:
Organising your entire home can be an uphill and time-consuming task. You will get confused about how and where to start and what changes to incorporate. Start with organising your home by taking small steps. Start from one room at a time. You can focus better and devote time to individual rooms separately. This will make the entire home organising task less daunting and easily manageable.

2. Hanging spaces:
Create multiple hanging spaces in all your rooms, galleries, and sitting areas. You should have appropriate space to hang your jackets, blazers and other clothes so that you do not have to put them here and there on the bed, side table or the floor! This will make your rooms clutter-free and look neat and clean. You can put a peg board and hang your hats, caps, shirts, t-shirts, etc., on it. This will look nice and organised, and you will be easily able to locate all your stuff too.
Hanging spaces in the kitchen can be very useful as well. Paste iron hooks behind the main kitchen door and cabinet doors. You can hang the dusting cloth, small pans, spare packets, etc., on them and not store or litter them in the open. They will stay behind the doors and not be visible to all.

3. Learn to donate:
Each of us has the habit of stocking up multiple useless things we don't need and creating clutter in our wardrobes and even out in the open. For example, you might have stacked up dresses from the past that do not fit you anymore. Since you have limited storage space, you keep putting the new clothes you buy on those same shelves. The clothes start tumbling out of your closet every time you open them.
Learn to let go and donate! Your old clothes will not get bigger on their own, nor will they shrink. Donate the extra clothes to the needy in an orphanage or an old-age home. It will feel great to help, and your wardrobe will be lighter and more organised.

4. Go green:
You may buy indoor plants in fancy, beautiful pots and use them as decorative pieces around your house. They will provide fresh air while making your house green and beautiful. You can also hang a few pots in the stairway and outside the main entrance to give a great look.

5. Proper marking:
A key to being organised is keeping everything labelled and properly marked. You can start with the kitchen and put labels on each storage container. This will make it easy to figure out what is inside each container, and the items will not get mixed up.
You can also label items such as photo albums to instantly know when these photographs were taken, even after several years. Use labels for marking important files and documents, first aid kits, etc., so you can easily find them when needed.

Start with one thing at a time, and you will enjoy organising your house this new year. Even if you do little at first, do it with full dedication and focus. This will ensure that your efforts do not go waste and that your home looks the best.

Another important way to get organised this new year is by opting for home insurance India policy. It protects your house and all your valuable possessions from damages caused by fire, theft, earthquake, etc. Choose the best home insurance India and protect your valuable asset from mishaps.

Click HERE to buy reliable home insurance India.

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.

Buying a high-value fixed asset like land or property is always expensive and risky, whether commercial or residential. Several external factors are outside the control of property owners, including fire, burglary, etc., which may result in extreme losses.

Purchasing insurance against such uncertainties is a prudent mechanism. It ensures that the amount of damages or loss is covered by the insurer, which is why buying fire insurance for any property you own is essential. Irrespective of whether you buy an insurance policy online or through an offline agent, you must be aware of what fire insurance covers, its inclusions, and various types to help you make the right choice.

Read on to learn all about fire insurance inclusions and types.

What is fire insurance?

Fire insurance is a contract that protects the insured against financial losses arising from damages or loss to his property or assets. Usually, it is purchased as a supplementary cover having several inclusions apart from just fires.

Essential features of fire insurance.

● It is purchased for one year

● It covers property, heavy machinery, stock of goods, furniture and fittings, etc

● The insurer can settle a claim on actual cash value or replacement cost basis

● It only covers direct loss to the insured property, making consequential loss claims non-admissible. However, add-on covers for the same are available at an additional cost

Inclusions of fire insurance.

As stated above, fire insurance covers unintentional risks beyond the scope of just fires. These include:

1. Fire:
The most apparent risk insured against is the fire itself. It has a broad range of inclusions and covers all fire-allied accidents, making the policy highly beneficial to business premises that regularly deal with fire.

2. Lightning:
Damages or losses caused by fire or lightning are within the scope of the policy. This may include cracks that run down the buildings or roof coverings, etc.

3. Explosion:
Blasts caused by high temperatures or high-pressure gases are included under the policy. However, read the fine print before you buy an insurance policy online. Many insurers make slight changes in their offerings and may not cover damages due to centrifugal force-based machines.

4. Aircraft damages:
Any fires caused due to an aircraft or an airborne device, including the dripping of explosive cargo, crashing, etc., are policy inclusions.

5. Violent activities:
These include a broad spectrum of terrorist activities, strikes, riots, or any public violence actions that may damage or set fire to the insured property.

6. Natural calamities:
Natural calamities are beyond the scope of the control of humans and include storms, typhoons, landslides, rockslides, floods, etc.

Types of policies.

The maximum claim amount that you can raise is based on the type of policy purchased.

1. Valued policy:
In this case, the contract states a pre-decided amount to be paid by the insurer in case of damage or destruction. This amount is non-alterable post-fire, and such a policy ensures high-value personal effects.

2. Specific policy:
This type of insurance is purchased where the insurer is liable to pay either the specified amount or the actual loss incurred, whichever is lower after a surveyor's inspection.

3. Average clause policy:
If the insured intentionally purchases a policy for a value lower than the actual property value, their claim is proportionately reduced to the extent of the loss incurred. This discourages the practice of underinsurance and minimises fraud.

4. Consequential loss policy:
This covers not just the direct loss but also the loss of profit due to a halt in operations due to damages or fire. However, the insured must pay an additional premium for such insurance.

5. Replacement policy:
The asset's market value is identified and then compensated for cost post depreciation. This ensures minimal losses for both- the insured and the insurer.

Considering the plethora of options available, you must read the inclusions, exclusions, and maximum permissible claims before you buy insurance policy online or offline to protect your assets from losses due to fire.

Click HERE to buy insurance policy online and protect your property from fire damages.

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.

Even though diesel engines produce more mileage, car owners are always looking to save more money by making their vehicles perform better. Most customers, including those who drive diesel-powered cars, are interested in learning how to get the best mileage from their diesel vehicles.

Here are some tips to get the most out of your diesel engines' fuel efficiency and cut operating costs.

Tips for increasing the fuel efficiency of car diesel engines:

The best place to start when trying to improve the fuel economy of your car's diesel engine is by examining your driving patterns or drivers' driving habits. Your fuel efficiency will increase if you train yourself to adopt good driving habits.

1. Eliminate idling:
Drivers should limit the time they spend stationary, especially when warming up their vehicle or stopping at a rest stop.

2. Utilise synthetic oil:
If you switch from standard oil to synthetic oil in a diesel engine, you can save up to 10% more fuel. Most of the time, using high-quality fluids will increase overall fuel efficiency.

3. Even as you accelerate:
To avoid excessive fuel burning, use smooth, continuous acceleration. Your diesel engine's fuel economy will improve with lower engine RPMs.

4. Take the cruise:
Use the cruise control instead of the gas pedal to keep your speed steady while driving on a flat road. You will consume less fuel overall if you use this strategy.

5. Scale back your highway speed:
According to studies, cars may travel at lower speeds without burning as much fuel. Given this, an 80 kmph speed limit for cars on the highway is typical. You will burn extra fuel and spend more money for every km per hour over 80 speed.

6. Look into your tyres:
Your fuel economy may also suffer if you have under or over-inflated tyres. Even though tyre condition should always be part of a pre-check, air pressure in tyres can change with temperature, going up in the heat and down in the cold. Try to maintain your car's pressure at the level advised by the car manufacturer.

7. Adjuvants for diesel engines:
It can be difficult to assess fuel additives impartially. Even though they promise that your intake valves, injectors, and carburettors will stay clean, the fuel savings may be so small that you won't even notice them. Most modern car engines don't require any additives, either. Before you spend your hard-earned money on engine additives, you should talk to licensed diesel mechanics and ask for their advice.

8. Air filters and intake devices:
A combustion engine's ability to operate effectively depends on air. If your engine doesn't get enough air, the engine will lose power. If you buy a better air intake product, you can stop this.
No matter what time of year, cold air intakes will increase diesel engines' long-term longevity and performance. Air filters also play a significant role in the air intake. Premium air filters may cost a little more, but they quickly pay for themselves by making your car use less gas.

9. Automobile monitoring:
We spent a lot of time discussing habits that can reduce fuel economy and how to change them to improve mileage. If you need a reliable piece of equipment to help you drive less aggressively, installing a monitor that shows your miles per gallon in real time can be a good choice. By keeping an eye on your most critical systems, you'll know immediately if you're idling too much or driving at an odd speed.

Speak to a qualified diesel technician if you need more advice about saving gas or installing aftermarket parts. Similarly, your car insurance will protect you from the financial obligations you might face if you hurt or accidentally damage your car or third-party vehicle. Car insurance online India improves the security coverage for your car and protects you against unforeseen events.

Click HERE to buy robust car insurance online India 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.

Development and progress are always seen as indicators of positive changes. However, in pursuing material success, we often forget to prioritise what matters the most. While the next career milestone, pay raise, or luxury purchase can offer momentary happiness, it cannot undo the adverse impact of stress on your health.

Recognising the trend of declining productivity and fulfilment, young professionals emphasise their physical and mental well-being in their endeavours to achieve their vision. While online health insurance can protect you against physical illnesses and their costs, your mental well-being depends entirely on your environment, perspective, and personal space.

Recent studies have shown that going minimalistic may improve your mental health. But what is minimalism, and what is its impact on your health? Read on to learn all about the self-care method.

What is minimalism?

Considered a holistic lifestyle, minimalism finds its core belief in decluttering. While you may take this literally to get rid of excess tangible goods around you to achieve a sense of freedom and realise what is truly important, you can also apply it to your mind space. The human mind is a powerful asset capable of achieving what is impossible. To discover its true potential, you must give it nourishment, time, and the motivation to do what it does best- ponder and realise.

However, present lifestyles are characterised by hectic schedules and mundane tasks that take away the freedom to use one's time in their preferred manner, limiting creativity and making daily chores stressful. Applying principles of minimalism to your mental health can help reduce stress, minimise the risk of developing mental illnesses and focus on what is important.

Impact of minimalism on mental health:

Minimalism is a simplistic thought that is challenging to put into action. Getting rid of possessions is the most difficult task in this materialistically-powered world- be it with tangible possessions or intangible ideas. The benefits of the practice are unparalleled and can help you unlock the hidden potential within you that was unnoticed before such drastic changes.

1. Independent perspective:
Decluttering your thoughts allows you to sort them based on importance and identify what matters most. Once you realise that, it becomes easy to discover your passions, interests, and ideas, towards which you can strive to work and envision your thoughts coming to reality. This mindset allows you to be independent, free of any external influence and confident in your abilities.

2. Simplified prioritisation:
It is proven that multitasking deteriorates your productivity rather than enhances it. Once you have gotten rid of physical and mental distractions, only essential matters are left to attend to. This way, you can focus on people, work, and passions that rank higher in importance and devote your complete attention.

3. Reduced stress:
Stress is caused by the worry of underperformance in multiple aspects, including work, academics, sports, personal life, etc., and the fear of losing out on what you have. Minimalism emphasises letting go of possessiveness over immaterial things that only pose as distractions, helping one to detach from baggage that weighs one down and optimistically work towards meaningful goals.

4. Improved overall health:
Apart from relieving stress, minimalism has several positive effects on your overall health that can supplement your online health insurance coverage. Positive thinking and a straightforward approach are all it takes to view all situations positively, resulting in improved mood, reduced tiredness, and better overall health.

Practising a minimalistic lifestyle is a long-term endeavour, similar to buying online health insurance that supplements the benefits of the former. They are sure to maintain your overall health in top-notch condition when put together!

Click HERE to buy online 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.