GENERAL INSURANCE BLOG

Spending time with your family is an underrated form of therapy. It is the need of the hour with busy schedules, building work pressure, and the growing need to perform better and be indispensable at your workspace. However, with such heightened expectations, burnout is inevitable. In such times, a getaway with your loved ones works like a charm to rejuvenate yourself and develop stronger bonds.

The New Year is the perfect time to plan a vacation with your family. With schools, offices, and other institutes allowing winter break, it is the ideal time to explore a new destination or revisit old memories at a place you've been to. However, deciding the place is always the most challenging part.

Are you looking for adventure, tranquillity, or immersive activities? No matter your requirement, we've got it all covered in our list of the best places to enjoy your new year vacation in India. Always purchase general insurance to cover any accidental losses during your travel.

1. Ooty, Karnataka:
If you want to celebrate quality time with family amidst nature and live in the present rather than party, Ooty is the best destination for your vacation. Its lush greenery, plantations, multiple lakes to experience boating, quaint architecture, and pleasant weather make it a great place to picnic and relax.

2. Auli, Uttarakhand:
A must-visit for adventure enthusiasts and nature lovers alike, Auli has gained popularity over the years. The hill station hosts various skiing competitions during the winter months, making it the best time to try your luck at the sport.

3. Sikkim:
While the Northeast ravishes over the snow in the mountains, the region is also home to vast greenery and some exhilarating activities for the entire family. Boasting lush valleys, deep-rooted heritage, and the awe-inspiring beauty of nature, Sikkim also has Tibetan influence, making for an extraordinary cross-cultural experience.

4. Goa:
It is not a stretch to call Goa as the country's party capital. Gifted with long beaches, Portuguese-influenced cuisine, and party spots like no other, Goa has something to offer for people of all age groups with varied interests. Plan the most thrilling New Year bash with family and friends on the vibrant coastline of Goa and immerse yourself in an unmissable travel experience.

5. Udaipur, Rajasthan:
While Rajasthan is a popular place to visit in the winter, the footfall during the New Year celebrations is exceptionally high. Home to beautiful handicrafts, expanses of desert, well-preserved ancient forts, and rich culture, Udaipur gives off a royal feel and provides the best Rajasthani cuisine that caters to the diverse tastes of travellers from all parts of the nation.

6. Pondicherry:
Also known as Puducherry, a stay in the city provides the best of all things you may wish to experience. You can find adventure sports, quaint streets, beautiful French-influenced architecture, and the Auroville, all in the same place.

7. Malvan, Maharashtra:
Malvan is the best place to visit if you love beaches but wish to avoid crowds and enjoy a more private celebration with your family. The town boasts of providing similar experiences as Goa during the New year celebrations, but at a smaller scale. You can enjoy a happening time savouring lip-smacking Malvani cuisine and enthralling water-sports activities.

A new year vacation is the best way to bid farewell to the year that went past and reminisce memories while preparing for the upcoming year. Our recommendations include various options for people of different interests that allow you to spend cheerful time with your family, engage in authentic experiences, and enter the new year with a blast. Before choosing the location, always ensure that your general insurance provides robust travel coverage against the contingent expenses you may incur in case of any mishaps.

Click HERE to buy a reliable general 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.

You don't always have to hate travelling if you have to go through airports. With art galleries, rooftop pools, movie theatres, and live music all airside, some airports can even get you in the festive spirit before you get there.

Sometimes long waiting hours due to a delayed flight or extensive layovers can make you physically and mentally exhausted, especially if you travel with kids. These mini frustrations can be a spoilsport and ruin the excitement of your international trip or business tour.

But you need not have to worry much. Several airports worldwide have numerous exciting amenities and entertainment options that can entice you as a curious traveller and pass your time enjoying their mystic charm. Let's look at the coolest airports you want to visit once.

1. Airport Changi, Singapore:
The world's tallest indoor waterfall and a forest can be found in Jewel, a new complex open for tourists and air passengers inside the Changi airport. It features sky nets for climbing through treetops, canopy mazes, and misty clouds that enchant individuals of all ages. Because the airport is a destination in and of itself, the kids are sure to enjoy a cheerful time.

2. Gisborne Airport, New Zealand:
In India, level crossings are typical at rail-road crossroads, but this one in New Zealand's North Island goes a little too far. The main runway directly crosses the Palmerston North–Gisborne Line rail-road route. And keep in mind that it is an official public airport. Visiting this airport is a wondrous opportunity to witness this unbelievable marvel.

3. Kansai International Airport, Osaka, Japan:
The thrill of this airport is that it is constructed on an artificial island and is visible from space! Despite the significant risk of earthquakes and hurricanes, Renzo Piano, an Italian designer, built this man-made island to house the airport. It is a distinguishable feature on the oceanfront as you approach from above and is connected to the mainland by just one Sky Road. Sounds interesting, isn't it?

4. Vancouver International Airport, Canada:
In addition to two enormous marine displays run by the city's aquarium, Vancouver's massive airport has plenty to keep waiting passengers occupied. Various marine life native to British Columbia, including wolf eels, sea urchins, and orange cup corals, call the largest tank, measuring 114,000 litres, their home.

5. Agatti Aerodrome, Lakshadweep, India:
It appears to be a narrow sliver of land sticking out of the azure oceans, but it is the Agatti Airport in Lakshadweep. The sole one serving the Lakshadweep islands was made for the Dornier 228 class aircraft. To accommodate an Airbus 320 or Boeing aircraft, the Airports Authority of India plan to extend the runway to the nearby island of Kalpati.

6. Ibrahim Nasir International Airport, Maldives:
The airport's runway serving Male, the capital of the Maldives, is encircled by water on all sides, making it one of the few airports in the world to occupy a full island. The entire airport scene is more like a breathtaking experience, with turquoise and emerald water bodies encompassing the airport.

7. Kuala Lumpur International Airport, Malaysia:
This airport is among the few who claim they are home to a jungle. A wooden boardwalk leads into a lush rainforest in the centre of the terminal, and there is even a waterfall along the way. The Malaysian flora is sure to spellbound travellers with its distinct charm.

As you read, these international airports are much more than just airports! These are fantastic ways for travellers to deepen their knowledge, boost excitement, and open wide exploration opportunities that assure a profound travel experience. Just as fun is an important element of a travel plan, similarly safety is an aspect that cannot be overlooked. Especially when travelling with family, it becomes more crucial to have comprehensive coverage of general insurance India to protect against any damage or loss incurred during travelling.

Click HERE to buy general 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.

Indian insurance companies offer two types of bike insurance validity- single-year and multi-year bike insurance. As the name suggests, you have to renew single-year bike insurance annually. Multi-year bike insurance is valid for more than a year, usually for two, three or five years.

Both types of bike insurance have their advantages and disadvantages. Let us understand the difference between multi-year and single-year bike insurance.

1. Renewal and convenience:
A single-year bike insurance policy has to be renewed every year. You have to keep track of the policy's expiry date and get it renewed either online, through an agent, or paying at the insurance company's office directly.
A multi-year bike insurance policy has to be renewed after a much longer period, usually two or three years, and even up to five years. Hence, it provides a lot of ease and convenience as far as the hassles with renewal are concerned. You do not have to worry about the policy renewal date for long once you have renewed it for multiple years in one go. Such policies provide enhanced lapse protection cover because they do not lapse every year but after a couple of years or more.

2. Pricing:
Technically, the pricing between a single-year and multi-year bike insurance is proportionately similar. However, differences in pricing may arise because of the impact of inflation and the government's taxation policy.
Suppose the impact of inflation is high, and the economy is seeing an upward trend in the prices of commodities over a long period. In that case, the single-year bike insurance premium, too, is bound to go up at the time of renewal. Moreover, if the government increases the tax rate on the renewal premium, you will also have to pay more on account of taxes.
This is not the case with your multi-year bike insurance premium. You pay it in one go for several years at the current price rates. Hence, you are saved from experiencing any upward movement in insurance premiums because of inflation. Also, any increase in tax rates on insurance premiums will not affect you in the case of multi-year bike insurance.

3. No-claim bonus:
Your multi-year bike insurance policy provides you with a higher NCB discount rate than a Single-year insurance policy. This brings down your insurance premium significantly. However, please remember that every insurance company has its distinctive NCB calculation, and the NCB amount can vary from one insurer to another.

4. Insured Declared Value:
In the case of a single-year bike insurance policy, you can check and regulate the IDV of your vehicle every year at the time of renewal of the policy. Hence, you can pay a little more premium and enjoy a higher valuation of your bike.
But the IDV is fixed for the entire policy duration in the case of multi-year bike insurance. You cannot change it in the middle of the policy and may not be able to achieve the highest possible valuation of your bike in this case.

5. Financial burden:
The financial burden on any person is more in the case of multi-year bike insurance than single-year bike insurance. You have to pay the premium for several years in one go in the case of multi-year bike insurance. This may prove a bit harsh on your pocket, especially if you are already facing financial distress.

Single-year and multi-year bike insurance have their unique advantages and disadvantages. An easy going person who wants to stay free of the stress of renewal of the policy every year should opt for multi-year bike insurance. A person who wants to keep a check on add-ons and offers provided by their insurance company every year should opt for single-year bike insurance.

No matter which type of insurance you choose, opt for buying your bike insurance online and enjoy service, variety, and great discounts at your doorstep with simple clicks.

Click HERE to buy 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.

If you've driven a car with manual steering, you must know how difficult it can be. Power steering is an advanced mechanical device fitted in your vehicle that helps you turn the steering wheels effortlessly.

But very few car drivers know the significance of warning lights appearing on the dashboard. When the warning light for the power steering system in your automobile comes on, you should be concerned since that usually means the power steering system is broken, making it extremely difficult to drive the vehicle.

What turns on the power steering light?

Low fluid level is the most frequent cause of the power steering warning light for vehicles with hydraulic power steering. A leak in one of the tubes can be a primary reason. When your power steering light turns on while driving, it'll be wise to slow down and park your car safely. Just be extremely careful because your steering will be considerably heavier at this point.

Open the bonnet to find the reservoir for the steering wheel fluid. There might be a picture of a steering wheel on the reservoir cap. If not, refer to your owner's manual to locate it.

Examine the liquid level. Before continuing your journey, you should top off the reservoir if it appears to be getting low. If you likely don't have any, visit your neighbourhood car service centre to buy some.

Start your engine after topping off the power steering fluid. You may continue travelling if the warning light doesn't turn on again. If the power steering light is still on, there may be a more significant issue. You should get your vehicle checked at a nearby garage or service centre to inspect the actual problem.

What if an EPS light appears?

Cars without hydraulic power steering will activate the EPS system, which stands for electronic power steering. If your car's EPS warning light glows, diagnosing the problem could be more difficult because there won't be any fluid levels to examine. You should carefully check all the connections to the battery for signs of wear or damage because a problem with the battery or alternator could sometimes cause it.

You may also have a problem with the EPS light if you recently had to jumpstart your car or take the battery out. Sometimes you might resolve the issue by turning your car on and off again. Even if this works, you should still have your car checked at a service centre because there might be a deeper problem.

Driving while the power steering light is on, is it safe?

It won't be simple because turning will be more challenging, and steering will be heavier. Accidents will also be far more likely because it will be nearly impossible to react to situations at higher speeds. If the light turns on while you're driving, it'll be better to inspect your car in a secure location before heading further.

Either way, the steering wheel warning light could mean something is wrong with your power steering system. It would help if you had a trained mechanic checking your car to address the issue.

Car insurance can financially aid you if the damage is severe and requires high repair costs. Every car insurance policy has an annual renewal period. Policyholders must do their renewal promptly to continue using the vehicle insurance services. If they fail, their policy coverage may lapse, and they may lose all the benefits and policy coverage. Always look out for updates in the car insurance price in India and plan your policy renewal accordingly.

Click HERE to buy a comprehensive 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.