GENERAL INSURANCE BLOG

Recently, the discussion about money management and growing wealth has taken centre stage. In the background of the pandemic, layoffs were causing concern while freelancing and remote online jobs boomed, providing people of all ages a chance to make money. Despite the opportunities and rising wages for specialised jobs, the risk of recession and inflation is still present.

In such an environment, simply making ends meet is not enough. Individuals need to save and purchase general insurance for future contingencies.
Saving and personal financial management may seem complicated. Still, with some planning and habitual implementation, you can make an emergency fund, plan for your wants and invest without compromising on your present or future aspirations!

1. Make your budget:
Our first tip would be to prepare a budget that makes you aware of your expenses and income. Your budget is a combination of your income and expenses for a period. Ideally, your income should be more than your expenses at all times, and it is recommended to have more than one source of income.
Once you have your budget, do not make excuses for your financial position. Numbers do not lie, and your reasons will not reverse your situation but can help you plan better in the future.

2. Set aside a savings fund:
Consciously putting aside money from your income as savings is difficult as the temptation to splurge on impulse shopping is at its peak when you first get your paycheck. To resist such temptations, set up a separate bank account for savings.
Schedule an automatic transfer from your monthly salary immediately after it gets credited into your account. This way, you don't need to take time and decide to save; it just gets done automatically!

3. Purchase general insurance:
If there's one expense you must undertake at all times, irrespective of your income and expenses, it is general insurance. General insurance covers your property, health, and vehicles against unintended harm caused by many factors.
The lack of a general insurance policy is bound to pinch your wallet as the burden of compensating for the damages ends on your shoulders. Online health insurance, travel insurance, motor insurance, home insurance, and commercial insurance fall under this umbrella. Some of these are tax exempt, which can help you reduce your taxable income and pay reduced taxes.

4. Consciously use a credit card:
A credit card is an excellent monetary tool that gets a lot of flak for being mismanaged by individuals with no financial discipline. Credit cards are instruments that facilitate credit-taking and make it highly accessible, which tempts many people and ends up leaving them in a cycle of debt.
If you lack financial discipline, immediately cancel your credit cards and dispose of them. If you have credit card loans, focus on repaying them as early as possible. Use a credit card to purchase items that you know you can repay within the month.

5. Pay recurring bills on time:
Services billed monthly, like electricity, internet subscriptions, etc., can become a significant expense if not paid before the due date. Often, people forget dues, and these dues snowball into a much more considerable amount than the original sum. If it is an unnecessary expense, consider cutting it out before it piles up. If you need it, try scheduling an automatic payment to prevent paying interest on dues.

Savings and financial planning are not habits that are developed overnight. They require conscious planning and continued discipline to build. However, simple tips like directing your income towards investments, and savings before considering expenses can help inculcate sound financial habits.

Insurance is an all-time favourite tax-saving financial instrument and a beneficial liability to undertake healthy life and manage funds smartly. A wise decision will be to purchase online health insurance or other general insurance plans to make the process less hectic and more rewarding. The more you value your finances, the better your lifestyle will be.

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.

Nearly 138 crores of the Indian population adhering to stringent traffic rules can seem daunting, but the benefits are surely rewarding. It is imperative to understand that these rules are in place to ensure the safety of citizens and exercise their rights freely without causing inconvenience to others.

Even with so many rules and regulations, many people face harrowing accidents and unfortunate defilement while travelling. It can be costly to deal with the expenses involved after an accident. With accurate knowledge and proper planning, one can counter these challenges with the seamless advantages of an insurance policy.

A motor insurance claim is a compensation provided to the insured by a motor insurance company. The compensation is paid for any damage caused to the insured's vehicle. The policyholder must pay a monthly premium to avail of the insurance benefits and get compensation for damage done to the vehicle and even to third-party.

Motor insurance is an efficient safety net to safeguard your asset and prevent your finances from draining behind the repair and maintenance work. It is important to keep your motor insurance updated and look for its renewal date. Never miss out on your motor insurance renewal. You can conveniently do online motor insurance renewal to save time and avoid your policy from lapsing.

Let's look at various types of motor car insurance claims available along with their requirements.

1. Cashless insurance claim:
This settlement process is the most convenient. You don't have to worry about expenses or vent your pockets for the repair work. The motor insurance company will clear all the bills associated with the respective vehicle, thereby giving you cashless benefits.

2. Reimbursement insurance claim:
You have to foot the bills by yourself, and the responsibility of filing for reimbursement is upon you. It can be daunting to keep track of all paperwork of repair, original bills etc. The documents required for claiming insurance should be thoroughly checked and filed accordingly. The claim can remain deficient if the necessary instructions are not followed.

3. Third-party claim:
This claim is enforced to seek coverage to the third-party liabilities. If any third party suffers damage from the insurer, it should be reported to the nearby police station and the motor insurance company. If the roles are reversed, the individual seeking claim must provide the vehicle and owner details needed to claim the insurance.

4. Own damage claim:
This type of claim is filed after the insured's vehicle is damaged in an unfortunate incident. The motor insurance company should be immediately notified where the verification and assessment of the damage will be done before paying the repair cost. The insurer must submit the required documents if a reimbursement claim is needed.

5. Theft claims:
This is raised when a car gets stolen. The initial step is to notify the police, the RTO, and the motor insurance company. Documents required to claim must be maintained and provided along with the car keys.

The following documentation is necessary as deciphered by the insurer:

1. In the case of accidents:

● The claim form with signature

● Copy of motor insurance policy

● Car registration certificate

● Driving licence

● FIR copy

● The bill estimated for damage repair

● Repair bill and payment receipts

● Vehicle inspection address (if no garage is mentioned)

2. In the case of car theft:

● Copy of insurance policy

● RTO theft declaration

● Police FIR copy

● Subrogation letter

● Car registration certificate and book

● Previous insurance policy details

● Any car-related items such as keys, warranties, booklets, etc.

● Forms 28, 29, 30 and 35

● RTO official intimation for theft

● Claim discharge voucher with revenue stamp and signature

3. In the case of the third-party damage:

● Claim form signed and filed

● Police FIR copy

● Driver’s licence

● Registration certificate and related documents

● A vehicle's original registration copy with the stamp

The police and the insurer must be notified about the mishap within 24 hours. The claiming process can become effortless and less complicated if the necessary documents are prepared beforehand. The owner must evaluate the entire situation before claiming anything for their vehicle. Every legal documentation in motor car insurance must be taken care of. Regularly schedule your online motor insurance renewal before the due date so you can avail maximum benefits and safeguard yourself by being a responsible citizen.

Click HERE to get online motor insurance renewal and protect your vehicle.

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.

Financial education is a topic being discussed like never before. What was previously seen as a taboo is now being openly discussed in live conversations and on various platforms on the internet by an audience of different age groups. As modern-day parenting involves breaking down finances by providing the privilege and freedom money brings, children are not far left behind.

Insurance is a fundamental component of sound financial management, which must be introduced to kids early. You can set an example by discussing different insurances with your child in simple words.

Why should you discuss insurance with kids?
You may wonder why discussing insurance with kids is of significance. Simply put, insurance is a mechanism that provides safety cover and teaches budgeting and saving, which are essential for efficient money management. People who have not been exposed to insurance at an early stage tend to take it for granted and realise its importance after reaching their 30s or 40s, when insurance providers hike up premiums, making insurance expensive.
By teaching your children the benefit of insurance, you are making them aware of contingencies, being prudent, and taking covers to monetarily protect themselves from any damage to their property or health. When taught at such an impressionable stage, concepts tend to stick for a lifetime and help in making conscious decisions relating to money.

How to bring up insurance with kids?
Insurance is a complex yet essential instrument that provides safety against contingencies in the future. While necessary, it wasn't easy to understand and pick one for your needs before digitalisation. However, the internet's plethora of resources makes it accessible to all. For example, you can buy your two wheeler insurance online India and show your children the complete process and its benefits.

1. Make use of your kid's prised possessions to pique their interest
Drawing and retaining a child's attention is challenging. However, you can easily explain different insurance types to children using what they hold dear- toys. Insurance protects what matters most from unintended damage. Use this concept to get your child's attention. Insurance discussions with children do not have to be formal and provide the best results when introduced naturally.
Playtime provides the best opportunity to introduce insurance. Using imaginary scenarios and functional characters, you can use them to explain the unpredictability of the future and the need for a safety net.

2. Use of digital resources:
Recently, resources like online courses have seen a rapid increase in demand. Similarly, online creators on platforms cater to simplifying finance for non-specialists, and a specific niche for kids is also developing. Since kids of this generation occupy the maximum screen time, it becomes easy to introduce financial habits in uncomplicated terms through visuals and digital content.

3. Involve your child in making financial decisions:
Choosing where to spend your money is essential to building an ample savings amount and helps determine the individual's financial acumen. Once you have introduced the topics to your child, give them a weekly or monthly allowance of a minimal sum that is enough to purchase a small value item like a snack, and then ask them where they would prefer to direct the balance amount.
You can guide them to invest their money to safeguard their valuable assets like their two-wheelers by researching themselves and investing in the two wheeler insurance online India. Let them know the wonders insurance can have in one's life due to its seamless benefits. This way, your child will gain practical exposure in a controlled environment.

Financial literacy is not obtained overnight and is a healthy discussion that should be initiated at the earliest stage possible. It allows for a greater sense of responsibility in children. The best way to inculcate this habit is through regular discussions about savings and managing wants and needs.

You might give your child a pretty bike or a scooter once they cross 18 years of age. Still, your next step should be advising and motivating them to self-understand the importance of crucial financial investments like insurance. They can start by using the internet for their analysis and learn to invest in two wheeler insurance online India not just to safeguard their asset but more to learn the power of smart investing!

Click HERE to buy two wheeler insurance online 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.

Cycling is a fun exercise with many benefits for everyone. The younger generation is fascinated with cycling adventure, and they usually ride their bicycles in their vicinity and even plan passionate cycling tours to thrilling destinations. But did you know that cycling also benefits and excites older adults? It is an excellent way of keeping older adults fit, healthy, and engaged without putting too much pressure on their bodies.

*Pro-tip
If you want your parents to be protected from the possibilities of heart diseases and cancer, make them indulge in cycling as it helps reduce the risk of these adverse medical conditions. Another great way to ensure a healthy lifestyle for your ageing parents is to buy the best health insurance in India and provide vital financial support during medical emergencies.

Now, let's see some interesting health benefits elders can enjoy by cycling regularly.

1. Boost the immune system:
Elders have a weak immune system; as they grow old, they produce fewer T-cells, essential to fight against diseases. Cycling helps maintain the production of T-cells in older people, which boosts their immune system. It also helps older adults to preserve their strength and muscle mass to stay energetic throughout the day and feel less lethargic in doing any activity.

2. Good for the heart and body:
Cycling is excellent for the cardiovascular health of the elderly. It reduces the risk of severe health conditions due to heart disease by 45%. The elders who ride bikes regularly get their cardiovascular health increased by 3 to 7%. Riding a bicycle for 30 minutes also helps reduce the risk of several other medical conditions, like kidney disease, diabetes, and colorectal and lung cancer.

3. Slower ageing:
According to a study, high intensity cycling or other exercises can result in slower ageing. Older adults can enjoy the anti-ageing benefits by setting up a daily cycling routine. It is essential to maintain mitochondrial capacity as its decline can lead to physical deterioration. Cycling is excellent for increasing mitochondrial capacity.

4. Deal with fat:
Excessive accumulation of fat due to lack of physical activity can increase the risk of health problems like stroke, type 2 diabetes, and heart attack in the elderly. As they grow older, exercising to lose weight becomes a little complicated. But cycling doesn't put much pressure on the body. Elders can easily lose fat and weight with regular cycling with less effort and maximum benefits.

5. A good stressbuster:
Stress is a general issue that bothers younger and older adults for several reasons. This stress becomes the underlying cause of several other health complications. Hence, it becomes crucial to control stress to improve an individual's mental and physical well-being. Group activities like cycling are enjoyable as cyclists can meet new people with similar interests. It helps elders find companionship and keep themselves cheerful.

6. Good for joints:
Walking and running become challenging as people get older. Seniors usually suffer from injured joints, and putting too much pressure can worsen their condition. Cycling is ideal for elders as it puts less stress on their joints. According to a study, cycling improves the condition of knee pain and osteoarthritis in older adults.

7. Build strength and stamina:
Cycling helps seniors build knee muscles and improve their stamina. It is a whole-body workout that helps older adults maintain their strength and endurance. It also enhances the mobility of individuals and helps them keep their bodies in the best shape.

Once you understand the significance of cycling, encourage your elderly to get involved in this activity. It helps elders meet new people, essential to improving their mood, and gives them a new direction to live their retirement life with enthusiasm.

Indeed, cycling improves the health condition of elders and provides them with the reward of a fitter lifestyle. Gift the elderly with the additional coverage of the best health insurance in India. Insurance supports financially by covering the diagnosis, hospitalisation, medical, and ambulance fees, releasing massive stress from older adults to deal with their health complications.

Click HERE to buy reliable health insurance in India for elders.

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.

There's no room for an apple to fall, especially in Indian cities. Cities are buzzing with a huge population of students and working professionals. We often see our family and friends move out of their hometowns to turn over a new leaf. Some flee to pursue their dreams, and some to live independently.

This appears like a window of opportunity for the apartment owners to give their flats as paying guest accommodation. This way, they can earn well and gain the confidence to drive a small business. Being a highly rewarding sector, some individuals have already started to build their brands on PG accommodations. Their presence gives us a clear hint about the opportunities and profitability of this sector.

All in all, it's a booming industry. This fear of missing out in the market makes people convert their apartments to paying guest accommodations. But isn't it essential to know the risks and rewards before deep diving into this sector? Don't worry. We have got you covered.

Risks:

1. Legalities:
Converting your residence into a PG accommodation states that you are renting it for commercial purposes. Commercial properties require compliance with certain formalities and permission from municipal authorities, police, fire department, etc.

2. Security:
To prioritise the tenants' safety, ensure the installation of CCTV cameras and appoint a guard for additional security, and maintain the records of visitors.

3. Background check:
It is crucial to know your paying guests before closing the deal. So, verify their official documents, such as Aadhaar card, PAN card, passport, or authorised identity card, and keep additional photocopies of these with you for records and future reference.

4. Agreement:
The rent agreement serves as an official document of mutual understanding between the occupant and the landlord. You need to mention all the terms in the contract. Once the contract is signed, you can move to the next step of closing the deal.

5. Damage to property:
The tenant should be responsible for maintaining the original condition of the PG except for everyday wear and tear. In case of any damage, it should immediately be brought to the landlord's notice.
As a landlord, you can insure your apartment with home insurance which would safeguard your property in case of any burglary, fire, or natural calamity.

Rewards:

1. Greater monetary benefits:
PG business can be a money-spinner for you. On average, a PG accommodates 5-6 individuals. So, a PG can earn you up to 10x of what you could make by renting out the apartment. Paying guest accommodations in metropolitan cities can earn you between 6,000 to 50,000; for other cities, it can range from 3000 to 20,000 per head per month. This can be an excellent source of side income that can be a significant financial benefit, especially for the middle class.

2. Passive income source:
PG can be a great passive income source for you while you can continue your own job/business. Converting your apartment into paying guest accommodation would be an excellent decision. However, complete all the necessary procedures and legal issues before converting it to a PG.
Don't forget to undertake the safety of your apartment by investing in home insurance, which would protect your belongings and your apartment from damages that mostly occur due to natural disasters and/or manmade misadventures.

If you have a good living space that is not occupied, then PG renting is a good decision you can make to get monetary benefits from your asset. But it is important to be clear on the terms before dealing with tenants. Never trap yourself in a problematic situation by making rash decisions.

Do your best research and background check of the desired tenant and stay updated on your home insurance renewal. Follow these basic yet vital steps, and you are all set to rent your apartment.

Click HERE to buy the best home insurance policy for your PG accommodation.

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.

While we live in a more digital world, it's natural for our elderly population to feel left out of meaningful conversations. Many young individuals also find themselves in the self-imposed isolation of the virtual system.

With age, bodily functions are hampered, and our elders don't have the energy as before. Their mental health also takes a toll and is impacted because of the fear of being unable to match with the current generation. The increasing age draws anxiety and health problems, making elders feel lonely and less productive. It is important to consider the elderly who may be alone and far from their children and other loved ones.

Do you have older parents at home? We have listed some measures you can take to lessen the loneliness your elderly parents may feel.

1. Get them out with people:
Social interactions decline with age. The seniors among us can attest to this truth more than anyone else. Their isolation can be alleviated by encouraging them to interact with others. Sometimes, interaction with new people might lead to lifelong friendships. Age shouldn't be a barrier to meeting new people and making new acquaintances. While making new friends is always exciting, a downpour of old memories comes with existing friendships.
Parents have lived longer, so it is natural for them to have lots of anecdotes to share. It just takes someone to listen for them to feel better. So, don't miss out on listening to their stories. Research shows that when seniors are provided opportunities for introspection, they report higher levels of satisfaction with both their lives and the world at large. By learning to control their feelings, they will become warmer, friendly, and, most importantly, less lonely.

2. Encourage for plant / pet:
You can lift seniors' moods and enrich their routines by gifting a plant or animal to care for, giving them a touch of responsibility and affection. In addition, there appears to be a correlation between senior citizens who keep pets and a lower incidence of health problems requiring medical intervention. Caring for plants at home or a nursery and looking after pets help keep the elders occupied with positivity and enjoy cheerful company.

3. Rely on experts:
Geriatric care managers can help seniors who don't have close family nearby. Typically, geriatric care managers are seasoned physicians or carers who figure out how to best meet the emotional and social requirements of their elderly patients.
Caregivers for the elderly spend the opportunity to get to know their patients, start friendly conversations, and engage them in mentally stimulating activities like games and mindful tasks like painting, singing, yoga, etc. Perhaps going for affordable health insurance plans for parents that may include professional services and additional health benefits should be your priority.

4. Communication:
Communicate often with your ageing loved one and engage them in conversation. Your close family member might appreciate more frequent phone calls from you. Communication is the best way to bond with your elders and make them feel valued.

5. Remind them of their importance:
Inviting them to join in on the festivities is a great way to show them how much they mean to you. Inspire them to reach their potential, but avoid giving the impression that any help you provide stems from a sense of obligation on your part. Express your affection for them and let them know that they will always be an important member of your family.

Loneliness doesn't pose an immediate health risk. Therefore, some people might not take the possibility of it seriously. While isolation might not seem like a problem, it can become one if left unchecked. Elders usually don't open up about the problems they face so easily with their family members. Studies and statistics show that the elders are more likely to require hospitalisation, so you must do everything you can to keep them in a positive frame of mind and reward them with affordable health insurance plans for parents to ensure their wellbeing.

Click HERE to buy the best and affordable health insurance plans for parents.

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 vehicle is a significant milestone in the lives of most people. However, it is a depreciating asset that requires much care to maintain. Irrespective of how well you drive, your car is bound to need some repair and maintenance at regular intervals by an expert and professional auto mechanic.

Most people get intimidated by a trip to the auto mechanic from the fear of the high prices and a lack of general understanding of the auto mechanics. Purchasing car insurance India is the first step to ensuring your vehicle is always protected.

When it comes to dealing with auto mechanics, following these five simple tips will ensure that you have a stress-free visit where you understand the costs and advice of the professionals.

1. Be prepared to communicate:
Communication is the most crucial aspect of any problem-resolution situation. You must be aware of any problems you wish to get checked. You don't need fancy jargon to explain the issue; as experts, a general idea is enough to give them an understanding of the underlying issue. You must be prepared to express what you expect- a regular maintenance check or component-specific troubleshooting.

2. Ask relevant questions:
Another major mistake is not asking questions. They may use jargon and quote estimates that you may not understand. Do not shy away from asking for clarifications. We do not recommend hovering around the mechanics. Still, it is justifiable to ask for estimates relating to costs, tips to prevent the problem from recurring, and help for other allied issues.

3. Read up on your car:
Knowing your car's make, features, and performing abilities allow you to understand the standard performance of the vehicle. Only then can you identify any variance that may require the inspection of a professional mechanic.
We recommend reading the car manual thoroughly and keeping information related to its identification number and component-related specifications handy in case it is required when scheduling a servicing appointment.

4. Request for original components from the manufacturers:
Buying a car is expensive, and any allied costs are just as expensive. Repairs and replacements can be pocket draining and are periodically required to keep your vehicle in its best shape. However, don't settle for replacing original components with copies made of inferior quality materials to minimise the bill.
Since regular repair costs are not included in car insurance India, the price of original components will inevitably have to be paid from your pocket.
However, using inferior substitutes will adversely impact your vehicle's performance and safety, putting your life at risk. Therefore, it is essential to request the mechanic to use original components to maintain the safety of your car.

5. Be available to approve further repairs:
In most cases, as mechanics work on the vehicle, they find other issues relatively more minor than the issue they are resolving presently. In such situations, they contact the owner to inform and ask for approval of comprehensive repairs. If you are unavailable at such times, the issue will magnify and cause concern.
If your car is at the garage and you get a call from the mechanic, it is suggested to respond at the earliest to get further updates that can improve the functioning of your vehicle.

Interacting with auto mechanics can be challenging, but it is a routine check you cannot skip, which is as crucial as purchasing car insurance India. However, dealing with auto mechanics can be simplified using our easy steps to get insight and the most value for your money.

Click HERE to buy car 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.

Drinking alcoholic beverages has been a social norm for centuries. But it's time that we rethink our relationship with alcohol. Alcohol may have some short-term benefits, such as reducing social anxiety, insomnia and a decrease in cardiovascular problems. These reasons and the fact that alcohol has become a part of nearly every social activity makes it a drink on many occasions.

However, excessive drinking can lead to serious health problems, including but not limited to liver problems, depression, heart diseases, and certain types of cancers. It is very admirable if you have decided to quit or cut back on your drinking, and this blog aims to guide you on how to do that conveniently with the best tips provided by health experts.

1. Introspection and finding out your triggers:
If you've decided to cut back on the alcohol, maybe you're worried about your cravings when you stop drinking for a day or two. Or perhaps it is about the reasons for which you drink. It is important to find out why you're drinking too much, which might be stress from a relationship, work, or other triggers. When these are identified, you can start avoiding them or try dealing with these problems in a different course of action rather than having a drink.

2. Measure your drinks:
One of the most effective tips that most experts give is to measure each drink and compare it to the official guidelines on how much drinking is safe for adults. This will also estimate how much you're drinking and further solidify your approach to reducing your consumption.

3. Set a drink limit:
Set a fixed drink limit according to official health guidelines and be cognizant of the drinks you take at a time. If possible, involve a friend or a family member to help you stop at the right amount.

4. Have dry days and make fun challenges:
The brain is always up for a challenge. Try having dry days, such as vowing not to take any alcohol Monday through Friday. Or you can have months of abstinence, such as No Drink December or Sober October. Make things a challenge and do it with the people you love to get the maximum benefits.

5. Find a support person / people:
Finding a community is the most crucial step towards a good change. Talk to trusted friends and family members about your decision to abstain, and they will surely help in the process. If this is not ideal, find online support to discover people with similar goals.

6. Keep attractive non-alcoholic options at home:
There's an urge to drink alcohol even if you're probably just thirsty and need water. However, water seems like a boring alternative to alcohol. So, keep fruit juices, sparkling water, or cold drinks in your fridge to avoid going for alcoholic options.

7. Make alcohol non-accessible, and try delaying your first drink:
A 10-minute walk at night to a bar or a liquor shop can be a significant deterrent to getting a drink. Avoid stocking up on alcohol in your house, as you'll likely be tempted to finish it sooner than expected. Request friends and family members to bring their drinks and take them back with them as they leave.
Another approach you can try is delaying the day's first drink to as late as possible. Research suggests that the earlier you start drinking, the more you consume.

Quitting alcohol is an excellent choice for your mind and body. There is no saying what excessive drinking does to your health in the long term. It is heavy on your well-being as well as your pocket. Follow the tips from health experts and take your step toward healthy living. Practice mindful habits like eating a healthy diet and drinking fresh juices, regular exercise for at least 10 mins, and indulge yourself in yoga and meditation.

Opting for a reliable health insurance plan is best to save money on hospital visits. Health insurance adds a safety net to you and your family to provide robust coverage and secure your finances during emergencies.

Click HERE to know more about 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.

Car accidents do not come after announcements. Irrespective of the intensity of the accident, it is bound to stress you with a financial burden, bodily harm, or in worse cases- both. While we cannot prevent mishaps, taking precautions against potential risks is essential. Most people still undermine the importance of reliable car insurance that provides comprehensive coverage against accidental damages.

An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled, temporarily or permanently.

What is accident coverage in a car insurance policy?
An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled for a temporary or permanent period.

Factors to consider while choosing a car accident insurance cover.
In the era of digitalisation, you do not need to visit any insurance provider to buy an insurance cover. Purchasing car insurance online is straightforward and allows comparison between several policies to find the best one for you- saving time and money. The main challenge is to find the right insurance for you. Here are a few tips for finding the best car insurance in India with efficient accident protection.

1. Scope of plan:
Car insurance provides accidental cover in two forms- personal coverage of an individual (driver and occupants) or third-party damage. The premium amount and cover will change depending on the scope of inclusivity. Choose an appropriate plan after comparing the cost and benefits of different covers and choose the one with maximum benefits at an attractive deal.

2. Inclusive benefits:
Personal accident cover in car insurance plans includes permanent partial disablement rider, permanent total disablement rider, or accidental death benefit rider. Along with these benefits, look for additional benefits that your insurance provider may include in the plan, like ambulance, medicine, or allied recovery costs, which can help significantly reduce the final bills you will have to pay from your pocket.

3. Premium and coverage:
Premium plays a crucial role in accident covers of car insurance. Select an appropriate premium amount for each year so that it is not a burden on your income and provides you with a sum large enough to cover any expenses you may incur by meeting an accident or any allied expenses.

4. Insurance provider’s rating:
It is necessary to check the insurance provider's reputation in the industry before purchasing any insurance; car insurance is no exception. Ensure to check public reviews and ask your acquaintances about their prior experiences with the company.

5. Protection to occupants:
It is advised to closely understand the terms and conditions of car insurance that compensates family members or other occupants in case the accident leads to their disabilities or death. Generally, the policyholder must pay an additional premium to extend the coverage to the occupants or co-passengers in the car during the accident. This allows the policyholder to receive requisite medical attention without worrying about the costs.

6. Claim settlement:
Claim settlement rate, method of benefit payout, and settlement time are of the essence when choosing insurance. A reputed insurance company that processes claims within a few days with minimal paperwork is ideal for minimising stress related to getting compensation.

7. Exclusions:
Before choosing a plan, check what is excluded from its cover. Usually, driving under the influence of intoxication, suicidal attempts, and involving in dangerous racing sports are excluded from the accident cover of the car insurance. Read all the terms and conditions and clarify your doubts before purchasing the policy.

Safety is the greatest and crucial aspect we must ensure while driving on the roads. While you cannot prevent accidents, you can minimise their impact on your finances, your car's well-being, and the damage to third parties by purchasing the best car insurance in India. Good car insurance is the essential safety net to protect your assets and increase longevity. As responsible drivers, you need to drive carefully, avoid over-speeding, and take care of all safety parameters like wearing seatbelts and regular car maintenance.

Click HERE to buy the best car insurance in 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.

An off-road bike trip is a common wish on the bucket list of most adventure enthusiasts. The thrill of taking challenging terrains while watching picturesque scenery go by is unparalleled. Especially in a country like India, with rugged roads that aren't accessible by car, two-wheelers are the best option to explore the extreme interiors. However, planning for an off-roading trip is not to be taken lightly. It involves strategic decision-making regarding routes, your health, and safety.

While there are plenty of decisions to make while planning an off-road bike trip, the first should always be your and your bike's safety, and the best way to do so is by purchasing two wheeler insurance India.

Here are six tips to prepare yourself for your upcoming off-roading adventure!

1. Find the right bike for the trip:
To take on an adventure like off-roading, finding a bike that is the perfect fit for you is essential. While comfort is necessary, also look for a safe bike that is well-maintained to ensure it does not break down on the road. Check if any repairs or maintenance need to be done on components like the handlebar, seat, headlights, etc.

2. Get appropriate safety gear:
When we think of off-roading, we do not picture people wearing safety equipment. However, it is a rookie mistake not to go well-prepared. Safety is of utmost importance, not style. Get yourself a full-face helmet and knee and elbow guards. Also, try to keep your clothes form-fitting to minimise disturbance and discomfort. Ideally, look for riding pants, ankle boots, and a riding jacket, which are made for long rides. Always invest in your safety, and you'll surely get amazing results.

3. Insure your bike:
While the above-stated safety gear can protect you from injuries, two wheeler insurance is necessary for long-riding trips. It covers any possible financial losses due to accidents, thefts, or third-party damage. Two wheeler insurance India is mandatory even on regular roads. Still, it becomes essential for undertaking off-roading trips and provides a blanket of safety to cover your expenses in case of damage to your bike during the trip.

4. Pack appropriately:
What you pack depends highly on your destination, but wherever you may be headed, pack light. Do not try to pack everything you may need during the trip, as it's bound to weigh you down.
Keep it simple and carry disposables to throw away once you're done using them. For essentials like must-carry electronics, take the simplest versions, a few clothes, and crucial medicines. Prioritising items is necessary when packing for a road trip on your bike.

5. Make arrangements for self-sufficiency:
When planning for a road trip, you must be aware of the troubles you may encounter. You may face problems like not having access to food, water, or electricity. Be prepared with supplies or arrangements in such situations. Pack extra food and water as they are higher-priority items than a spare change of clothes.
With constant technological advancements, you can also find ways to use your bike's battery as an electricity source for your gadgets in worst-case scenarios. Do not rely on technology only- have a basic understanding of the route and destination and keep a physical map handy.

6. Get the essential tools:
As an experienced motorist, you may have a toolkit already. Still, if you're a newbie to motorcycles, it is essential to have a well-maintained tool kit with the basic equipment and a general idea of how to resolve minor issues. Always ensure that the kit is equipped with fully functional tools.

While spontaneous plans are exciting, taking an unplanned off-road bike trip may not be a good idea. With meticulous planning, comprehensive personal insurance, and two wheeler insurance India, your upcoming off-roading trip can be safe and enjoyable simultaneously! The last but most important thing you need to carry is loads of positivity, energy, and enthusiasm. The twists and turns are waiting for you to conquer them with pride.

Click HERE to buy the best two wheeler 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.

Hygiene is a factor that requires attention at all points of time in one's life. The significance of maintaining hygiene only grows with age as responsibilities pile up. While teachers and parents continue to preach about the importance of hygiene throughout childhood, it is only in adulthood that individuals realise its need. Post covid, the importance of cleanliness and personal hygiene has been seriously undertaken to tackle the adversities of health conditions.

Good hygiene helps project a well-maintained image of yourself to your employer. While hygiene habits can prevent diseases, it does not replace the need for purchasing the best health insurance in India that provides a monetary cover to compensate for hospitalisation and allied expenses.

This article covers the benefits of maintaining personal and workplace hygiene and some easy tips that can be followed to ensure the same.

1. Employee-employer satisfaction:
As an employer, you may think that only compensation contributes to employee satisfaction. However, multiple factors affect an employee's perspective towards the organisation. While salary and non-monetary benefits play an essential role, so does the environment- including communication and working conditions. An employee made to work in a confined space with minimal to no care for workplace hygiene is likely to develop a negative image of the organisation and may not create a sense of organisational loyalty, resulting in high attrition rates.
Similarly, an employee that appears not to pay attention to their hygiene is seen negatively as an unbothered, unorganised person in a formal work setting. This negatively affects the employee's performance, and companies that emphasise cleanliness, organisation, and maintaining a high business environment may even lay off such a person.

2. Outsider image of the company:
While employee-employer relationships and satisfaction are vital for the organisation's functioning, more stakeholders play a significant role in the organisation's growth. Partners, suppliers, investors, and other professionals usually visit offices, and presenting an unhygienic office or employees with poor hygiene results in a negative image of the company in their minds.
Such negative word-of-mouth publicity may be detrimental to the company's growth, making it essential to maintain personal and workspace hygiene.

3. Reduced health concerns:
The effect of poor workplace or employee hygiene directly impacts the health of employees. Since employees are human capital for any organisation, employees frequently falling sick due to improper hygiene is bound to affect the functioning and profitability of the organisation.
Therefore, employees and employers must always maintain their and the office's hygiene. While good hygiene can prevent diseases, employers should invest in their employees' well-being by providing them with the best health insurance in India and reducing the burden of massive medical bills

How can employers maintain workplace hygiene?
The employer is responsible for providing a clean and well-maintained environment that allows employees to collaborate and make the most of their capabilities using the resources provided to them to work towards the organisation's goals. Some simple ways to ensure that the workspace is clean are:
● Clean and sanitised restrooms
● Cleaned windows to allow ventilation or functional air conditioners
● Installation of air filters in polluted cities
● Regular HVAC duct cleaning

How can employees maintain personal hygiene?
Personal hygiene is not a new concept. It is only the implementation that may seem difficult to some. Following these simple tips will ensure that employees can present themselves in the best manner:
● Following the official dress code
● Ensuring proper grooming before coming to the office
● Use of self-hygiene products like deodorants, trimmers, etc.
● Regular sanitisation of desks and periodic washing of hands with soap and water

Hygiene is a basic necessity in our lives, and workplace hygiene is no exception. Employers and employees can optimise the work environment to ensure enhanced productivity by making a conscious effort together. A healthy workspace blooms fresh ideas, and these ideas drive the success of the organisation and its individuals. Good health results from practising healthy habits, and when we talk about maintaining good health, insurance plays a vital role too. Employers must buy the best health insurance in India for their employees as a responsibility to ensure their well-being and value their commitment.

Click HERE to buy the best health insurance in 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.

A motor insurance policy is a must as it provides you with a safety net in case your vehicle meets with an accident, gets damaged by unforeseen events such as floods and earthquakes, or is stolen. It's a way of showering your concern for your valuable asset and investing in its longevity.

Also, it is mandatorily required by the law to have all the essential documents such as a valid Driving License, Car Insurance Certificate, Registration Certificate, and Pollution Under Control Certificate before you drive your vehicle on Indian roads. So, now that we understand the importance of motor insurance India, how can we add more value to it? Let us have a look at some of the factors that can help us do the same.

1. Insured Declared Value (IDV):
Most of us get lured by the policy with the lowest premium amount and opt for it blindly. We usually fail to check our policy's Insured Declared Value (IDV). The IDV is the sum for which the insurance company is insuring our vehicle, and it puts a cap on the insurance company's liability to reimburse us in case of total damage or theft. The lower the IDV used by the insurance company or the agent, the lower will be the premium amount.
Never go for a low IDV of your vehicle just to pay a lesser premium amount. Always ensure that the IDV in the policy reflects the fair value of your vehicle. This will ensure you get an appropriate reimbursement in the unfortunate incident of theft or complete damage to your vehicle.

2. Emergency Assistance Cover:
You can opt for this cover if you don't want to get stranded in case of a breakdown. Such cover will help you to get assistance such as refueling, towing, flat tyre change, or repair of any mechanical failure by the insurer in the city and even on highways within a specified time.

3. Engine Protection Cover:
This cover will add value to your motor insurance India policy in case you reside in areas that are prone to heavy waterlogging and flooding. It will cover damage or failure of your vehicle's engine due to water ingression or oil spill. However, insurance companies usually provide this cover only to vehicles not older than five years.

4. Zero Depreciation Cover:
This add-on cover is highly recommended for high-end vehicles or vehicles with expensive spares. It excludes the depreciation part from the coverage amount. Thus, you get full coverage and can claim the full cost of the vehicle parts that have been damaged in an accident. Without this cover, you will get reimbursed only for the depreciated value of your vehicle parts.
Your motor insurance premium will go up by 15%-20% with this cover. But it can help you save a lot of money if your vehicle meets an accident and gets damaged. Insurance companies usually provide this cover only up to the first five years of a vehicle, and only a few provide it after that in lieu of a higher premium.

5. No Claim Bonus (NCB):
Insurance companies provide a No-Claim Bonus or NCB for the year you do not make any claim on your motor insurance India policy. This is initially 20% in the first year and increases to 50% in the subsequent years if you do not make a claim.
You can also avail the benefit of NCB in your new policy if you have accumulated it in your previous motor insurance policy. This may happen if you sell your car or change your insurance service provider. Therefore, do not raise a claim with the insurance company if the damage is minimal or the repair amount is lesser than the NCB you will earn on your policy.

6. Personal Belonging Cover:
What will you do if your expensive gadgets, such as a laptop, smartphone, or tablet, get damaged when you meet with an accident in your vehicle? Go for a "Personal Belonging Cover," and you can get your personal belongings covered under your motor insurance policy.

Your motor insurance policy can give you standard protection against accidents, damages, or theft. However, if you are wise enough, go for add-ons in your policy like those mentioned above and enjoy complete protection from any damage that may arise in the future. Be secure, be wise, and choose the motor insurance India policy that provides you with the best overall package at the lowest premium amount.

Click HERE to buy a reliable motor insurance India policy to safeguard your vehicle.

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.

Electrolyte imbalance is a frequent issue resulting from a poor diet or excessive physical activity. Our body fluids dissolve electrolytes, which are essential for the efficient operation and coordination of our muscles and brain. Some people are more prone to develop this condition than others. You may be experiencing an electrolyte imbalance if you wake up with muscle cramps at night. It may potentially be fatal if this ailment is not treated in time.

The best way to determine if you have an electrolyte imbalance is to perform a complete health checkup and understand your medical history. Ask your doctor about your current medications, including antacids and diuretics. This will help you determine if a particular medication or condition may be causing the problem.

The next step is to get your body checked out with a comprehensive metabolic panel blood test. An arterial blood gas test will determine the acid-base balance of your body, which can also indicate an electrolyte imbalance. Does all of this sound too costly? If yes, make sure that you have good health insurance plans in India well in advance to cover you up.

In this blog, we have covered everything from symptoms to treatment. So, stay tuned till the end.

Causes:
● Several factors can contribute to an electrolyte imbalance in the body. These include diuretics, cancer treatments, and certain medications. In severe cases, electrolyte imbalance can lead to cardiac problems or even death.

● In addition, hypokalemia can be caused by drugs that dilute the body's water, such as lithium.

● It is important to seek medical attention for electrolyte imbalance immediately when you notice symptoms. Rehydration can help relieve the symptoms and restore proper electrolyte balance. A blood chemistry test can diagnose electrolyte imbalance.

● Dry tongue, weakness, and dizziness can all be signs of electrolyte imbalance.

● Another cause of electrolyte imbalance is a faulty diet or a deficiency of certain minerals.

● Excessive loss of fluids is a major result of an electrolyte imbalance. Treatment for an electrolyte imbalance often involves adjusting your water intake and administering electrolyte fluids or medications.

Treatment:
Electrolyte impacts the body's ability to perform many vital functions, including regulating body temperature, easing blood circulation, and digestion. The human body needs high blood plasma electrolytes to keep these functions balanced and normal. Abnormalities in the levels of minerals like sodium, potassium, or calcium result in the imbalance of electrolytes.
The best electrolyte imbalance treatment is to increase fluid intake. This can be done through intravenous fluids or by drinking concentrated electrolyte replenishing drinks. These drinks contain 15 naturally-sourced electrolytes and vitamins. They also prevent the development of electrolyte deficiencies. Further, you should consult a health care professional for diagnosis and treatment if your symptoms don't subside after a prolonged time.

Electrolyte imbalance can be a troublesome issue in the long run, so it's recommended that you stay prepared in advance for yourself and your loved ones. Wondering how? Simply maintain the appropriate electrolyte levels and invest in reliable health insurance plans in India. This may sound like preparing well in advance for the danger and being negative. If you are ready beforehand, you wouldn't have to worry about the arrangement of resources at the end if anything as such ever comes up in your life.

Click HERE to buy the best health insurance plans in India as a safety net for you and your family.

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.

Insurance plays an essential role in a person's life and safeguarding hard-earned assets, whether a home, car or business. It is a backup plan to minimise the loss and have efficient damage control when things go wrong. Although most people know the benefits of buying insurance, they often make mistakes due to insufficient knowledge in this field and a lack of in-depth research. Several false pieces of information circulate and get viral on the internet, confusing the buyers, which results in wrong decisions.

In the article, we'll learn about home insurance and people's general queries regarding making the right purchase. Like other insurance products, home insurance pays you for the construction costs and covers the damage due to any unfortunate event.

However, there are numerous things that you need to learn before buying insurance for your home. Before starting your personal research or contacting your desired general insurance company, pen down all your points and doubts. Never take haste steps, and keep control of the entire process in your hands.

Consider these five most frequent questions that ensure you choose the right home insurance.

1. What factors determine the premium on a home insurance policy?
Generally, factors such as location, features, and characteristics of your house determine the insurance policy's premium. Installation of safety and surveillance devices, claims history, and lifestyle habits also affect the policy's premium.
The closer your house is to an area that experiences frequent natural calamities or robberies, the higher it costs to insure it. You can lower your premium if you have good credit history and haven't made any claims. You can also ask your insurance agent how they determine your home's premium to ensure you pay the right premium.

2. What are the replacement costs and the market value of your home?
An insurance company is only interested in your home's replacement cost. You should ask your insurance company about the replacement cost of your home. It is the cost of constructing your house with the equal or similar utility if it was damaged in any unfortunate event. In contrast, your home's market value is your house's price in the real estate market.

3. What does cancelling a home insurance policy mean?
Cancelling an insurance policy means the company no longer covers the insured house. Policyholders and companies can cancel an active policy. Ask your insurance agent when their company can cancel your active policy. Carefully understand all the clauses and possibilities that may void your home insurance.

4. Are there any limitations in a home insurance policy?
Most home insurance policies don't cover losses due to the earthquake or war. Check the list of exclusions on your insurance policy before you get it. However, some policies have specific limits for items, including securities, jewellery, money, and silverware.

5. Does the home insurance policy cover water damage?
Most policies don't provide coverage for water damage. If your general insurance company doesn't offer water damage coverage, you can ask for other policies or add-ons that cover water damage to add more protection to your house. It would be best to look for water damage coverage in the policy, including damage from the spring thaw, snowmelt, burst mains, overflowing rivers, and heavy rains.

Make a list of these five crucial questions before considering any home insurance plan. These questions help you select the best general insurance company. You can also add more questions to your list. Don't forget to ask for a discount when buying multiple insurance plans together. Buy smart and buy the best!

Click HERE to buy home insurance from a general insurance company that suits your requirements.

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.

Fuel prices are soaring daily in most Indian states and have a cascading impact on the public. Owning an EV or electric vehicle is still a far-fetched dream for most of us because of its unaffordability due to high prices and the absence of charging infrastructure across the country.

The price of CNG or Compressed Natural Gas has also touched all-time highs making it unviable to replace vehicles running on conventional fuel, i.e., petrol and diesel. So how do we save fuel and, eventually, our hard-earned money?

Let us go through some efficient measures to drive smartly and save fuel.

1. Accelerate smoothly:
Never accelerate suddenly since the engine uses maximum fuel when it achieves speed from being stationary. Therefore, the harder we accelerate, the more fuel it consumes. Make it a habit to accelerate gently, helping the car steadily gain speed. Always go easy with your car!

2. Drive in economy mode:
Most cars nowadays come with an economy or eco mode that maintains a balance between fuel efficiency and speed. Also, drive below the speed of 80-90 kmph, which is considered the ideal speed limit to achieve and maintain fuel efficiency. Anything over it will result in a higher fuel burn rate and a lower average per litre.

3. Manage your gear shift wisely:
Driving your vehicle in the right gear can help you save considerably on fuel. You put undue pressure on the engine if you drive in the wrong gear, resulting in higher fuel consumption.

4. Maintain correct tyre pressure:
Always maintain correct tyre pressure as under-inflated tyres resist proper rolling, putting more pressure on the engine. This will lower mileage, burning a hole in your pocket in the long run.

5. Use air-conditioning wisely:
A vehicle’s air-conditioning system burns up much fuel, resulting in lower fuel efficiency. Avoid using the air-conditioning system when your car is stationary or idle for a long time. Switch off the AC and roll down the windows when possible. Use the re-circulate option in your vehicle while using the AC.

6. Use your car wisely:
You can save fuel even by being smart in using your car. Do not make unnecessary and multiple trips to the supermarket all day. Prepare a list of things you need to buy, and when your list is big enough, go and get them. Also, go for carpools. It will be wise for four or five colleagues to carpool if the route permits, go together to the office, and divide the fuel cost rather than everyone going by their personal vehicle.

7. Ditch the extra weight:
Travel light. Ensure your boot is not full of unwanted stuff that adds weight to your car. Also, remove the carrier when it is not in use. Driving light can help you be more fuel-efficient.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

8. Use “Fastag”:
Make use of a “Fastag” while driving on a highway. With it, you can cross a toll booth in a few seconds, helping you save on fuel.

9. Use “cruise control”:
Use the “cruise control” feature in your car, especially while driving on a highway. This will help you to maintain a constant speed without needing to push the accelerator constantly, giving you much better fuel efficiency.

10. Avoid idling:
Switch off your engine whenever you have to make a stop for over 20 seconds. Switching off and restarting will consume less fuel than your engine being on while your car is stationary.

Apply these efficient measures to drive smartly and see how you save fuel and eventually money over a few days. You can also buy the best car insurance to get complete protection at low premium rates and comprehensive car insurance benefits. Be smart, save money, and choose the best!

Click HERE to buy car insurance and insure your car with reliable coverage.

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.

The foremost priority for any parent is to make their children financially secure by the time they turn eighteen and are ready to take on the world. In the growing years, your children may even decide to start up some business of their own for which they will require funds too. Also, you must consider the high living costs if your child decides to study or work in big cities like the metros. It is crucial to allocate funds to aid your child's education at foreign universities, considering the boost in international education opportunities.

Efficient financial planning is the key to being future-ready and meeting all expenditures to secure your child's future. We have designed our guide to help you plan your finances in the most appropriate way to ensure your child's bright future.

1. Start early and set your goals:
The first tip is to start as early as possible and set realistic and achievable goals. You should decide how much funds you will require to satisfy your child's aspirations. It need not be an exact amount; a close estimate will do. Calculate how much money you can save and put aside every month for your child from your current income.

2. Investing:
Investing your savings will make them grow; hence, you must decide where to invest this money. Ideally, your investment should be more in equity and less in safe-haven assets such as debt funds, fixed deposits, and gold, considering your long-term goals. Equity has the power to give you compounding returns over the years and grow your money exponentially. However, it is associated with risk.
Fixed deposits and debt funds will give you relatively lower returns, but they will be steady and safe. You must make smart decisions while investing your capital into these investment instruments.

3. Choosing the best schemes:
You will need some money for your child in the short term to meet her schooling and living expenses and more money in the long term for meeting her higher education expenditure. Allocate your investment between different asset classes accordingly and choose the best possible schemes available for the same. Invest in avenues that allow withdrawals without a long lock-in period to meet your short-term needs.
You can take the mutual funds route to invest in equity if you are not comfortable with investing in the stock market directly. Equity comes with many options, such as investing in different economic sectors, market capitalisation per your time horizon, etc. You can also buy government bonds and gold directly from outside sources.

4. Appropriate insurance coverage:
Insurance keeps your family secure in case you or your member meets with an accident. Hence, invest in a good insurance policy as per your individual need. What will happen to your child's future if something happens to you? Take a general insurance cover so that your children get fruitful benefits. Similarly, go for a mediclaim or comprehensive health insurance policy from the best health insurance company in India with a full family cover so that you are under no financial stress if anyone from your family meets with an emergency and requires hospitalisation.

5. Nominee appointment:
Never miss out on filling in the name of a nominee while investing anywhere. Fill in your spouse's name or a reliable third person, but do not leave the field blank. Only the nominee will have legal access to your investments in case of your sudden demise.

6. Regular review:
Review your investments regularly. If your investment is not performing as expected, change it to other investment options with higher returns. Similarly, keep checking your mutual funds' scheme performance and change it if it underperforms for a long time.

Proper financial planning will help you to secure your child's future. The above tips will keep you stress-free, and you will have a sufficient corpus ready by the time your child goes for her higher studies or is ready to start a venture. Reliable insurance coverage from the best health insurance company in India and good investments will be the perfect formula to turn your child's dreams into reality while being in their best state of health and well-being.

Click HERE to buy insurance from the best health insurance company in 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.

Biker jackets are a must-have safety gear for bike-riding enthusiasts. They provide comfort, protection, and safety and help you make a style statement. Originally biker jackets were made from leather since they provided durability and insulation. However, in recent years, textile and mesh jackets have also evolved as good substitutes for leather in making biker jackets.

Here is a complete guide on choosing the best biker jacket to make your riding experience safe and stylish.

1. Safety:
The main function of a biker jacket is to provide the rider with safety and adequate protection in case you meet with an accident. It equips with a protective layer that a regular shirt or a t-shirt will not provide. Hence, go for a biker jacket that is strongly built to withstand the effect of impact or abrasion. Leather scores over textile or mesh in this department as it can withstand the effect of abrasion and will not tear even if you fall and are dragged on the ground.
A biker jacket should have adequate padding to absorb the energy from the impact and minimise injuries to the rider. Biker jackets are made to protect your spine, shoulder, and elbows to reduce the devastating effects of a serious accident. Some jackets are made with hard plastic armour to provide extra cushioning.

2. Durability:
A biker jacket will usually cost much more than your regular bomber jackets due to their build and quality. A biker jacket made of leather will be more durable than jackets made of textiles or mesh. Spending money on safety is a worthy investment, so make the right choice and the best riding jacket.

3. Comfort with the right fit:
A biker jacket should be comfortable and lightweight, along with being durable. Hefty jackets will make you feel bulky and uncomfortable over long bike rides. Correct fitting is crucial so that you feel comfortable in it. You can opt for jackets with removable soft inserts and use them as needed.
The jacket should allow adequate airflow, which will be helpful on a hot day. Also, the collars or arms should not flap while riding but allow the air to flow through so that the jacket does not become a distraction while riding. Remember that your bike and posture will significantly impact the fit of the jacket you need. While a regular, relaxed fit touring jacket can be great on a cruiser bike in which you need to keep an upright posture, the same jacket can be annoying and of poor fit if you have to ride a sportbike in a crouched position.

4. Style statement:
A biker jacket that lacks style is a big no for any biker. Your jacket should be designed such that you can make a style statement wherever you go. Race jackets or biker jackets should be colour-blocked and of vibrant colours to catch attention even from a distance. They should provide you with a sporty look. Some come with metal skid plates on the shoulder and elbow areas and most come with a reflective piping design to make your jacket look more stylish and provide safety.

A good biker jacket is similar to two wheeler insurance. Jackets save bikers from the impact of the accident, and two wheeler insurance provides them with adequate coverage and protection in case of a mishap. Invest in the best two wheeler insurance in India to be your saviour and true companion in unforeseen circumstances.

Click HERE to buy the best two wheeler insurance in 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.

A healthy body caters to a healthy mind, resulting in higher efficiency and productivity at work. Therefore, it is in the best interests of any organisation to motivate its employees to stay fit and healthy. It will promote positivity in the workplace. Moreover, when the leader makes efforts for the health and well-being of the employees, it inspires the team to work harder and stay united as one family.

Here are some ways in which you can inspire your team to lead a healthy lifestyle.

1. Schedule a periodic doctor visit at the office:
The best way to motivate your employees to lead a healthy lifestyle is by scheduling periodic visits to a certified doctor or organising a health camp in the office. A doctor is best to guide every employee according to their individual needs. He can counsel them regarding general health and wellness issues. Moreover, he can prepare a diet chart for them, which is very helpful in promoting a healthy lifestyle and bringing mindfulness to their working routine.

2. Promote healthy eating habits:
Encourage employees to bring healthy meals to the office and avoid junk food daily. Get a couple of microwaves installed in your office so that they are motivated to bring food from home and warm it up in the office.
Give them short breaks between long working hours so they can relax, grab a small bite, have tea or coffee, and come back fresh at their desks or workstations. Encourage your team members to consume healthy food items like fresh juices, soups, salads, and multi-grain cereals. Make arrangements for fresh juice vendors in your office so that employees have a healthy choice of drinks as well.

3. Promote gyms and workouts:
If your office can afford to open a small gym for your employees in the office premises, there is nothing better. You can influence your team to compulsorily work out at the gym at least 3-4 days a week. You can organise small interesting competitions for them at the gym, motivating them to participate.
If a gym at the office is not possible, tie up with some gyms that will provide special discounts with membership to your employees. This will make your team valued, and you will pave the way for their healthy lifestyle.

4. Discourage smoking and drinking in the premises:
Smoking and drinking alcohol frequently and beyond limits can be the worst enemy of your and your employee’s health. Discourage your team from taking alcohol. Guide them about how it can negatively impact their well-being. Do the same for smoking. Encourage them to quit if someone is in the habit of smoking.

5. Destress workshops:
Keep chit-chatting with them at the workplace so that they are comfortable enough to share their problems at work with you or your HR department. Relieving them from stress can be great for their health.
You can encourage them to listen to music for some time or listen to a podcast. If not, you can at least arrange short mind-relaxing activities in the cafeteria and other common areas. These can be good stress relievers and keep your employees cheerful.

6. Health insurance:
Get health insurance compulsorily for all your employees. Ask the insurance provider to offer rebates and discounts if an employee wants to increase his cover. An insurance cover provides your employees with security in case they or their family members meet with some health emergency.
Also, they feel emotionally safe and are dedicated to their employer for care and health insurance coverage provided to them. This can result in higher productivity and efficiency of employees, resulting in higher profits for the business.

Employees are the lifelines of any organisation, and as a good leader, you need to guide them to excel in their professionalism and develop a good work-life balance. Hence, you need to take care of them and their health. Along with promoting a healthy lifestyle, educate your employees about the importance of a good health insurance policy that provides them with the required financial assistance in case of any mishap.

Click HERE to buy health insurance for your loved ones.

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.

In the unfortunate event that someone breaks into your establishment and steals your belongings, the experience can be devastating on a psychological and economic level. Forcible intrusion into a residence or commercial establishment to commit theft is the definition of burglary. If someone tries to break into your home or place, you may be able to recoup some of your losses with burglary insurance.

Why do you need Burglary Insurance?

Under the Home Burglary Insurance policy, you also have the option to purchase additional coverage for high-value items such as diamonds, jewellery, and other valuables.

If a criminal were to break into your place of business and steal valuable items like computers, printers, and other office equipment, you would be protected by burglary insurance. These policies are designed to reimburse you for the loss due to the actions of evil minds. It provides the best possible financial assistance and helps you adjust to such circumstances to recover from the damages.

If thefts from homes and businesses are common in your neighbourhood, you should consider purchasing insurance against theft and burglary.

Essential points to identify needs for burglary insurance.

The primary motivation for purchasing theft protection is to prevent significant financial loss so that your home or business can be secured against the possibility of a break-in.

Crimes like burglaries, thefts, and other similar occurrences frequently make the front pages of newspapers. In today's world, it's irresponsible to abandon your house alone for too long. For this reason, having burglary insurance may be a great relief and a source of pride.

Let's take a look at the scenario when you must protect the homes with a burglary insurance:

● If you must keep the residence unattended for a long time, and there's nobody to look after.

● For those who must depart their homes or businesses for extended periods.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

1. Full value insurance:
This type of insurance gives complete coverage to the property.

2. First loss insurance:
Under this plan, a certain percentage of the property gets insured rather than total protection. The policyholder must opt for this when there is less probability of total loss.

3. Stock declaration insurance:
Under this plan, the policyholder must estimate the highest stock value during a financial year. And the said amount will be the sum assured. In the case of stock fluctuations, this plan is beneficial.

Burglary and theft insurance are not the same. Illegal possession of assets, intending to infiltrate closed establishments forcibly (armed robbery), and theft by violence/ persuasive/ vicious entry are covered under burglary insurance.

On the other hand, theft insurance includes comprehensive coverage of stealing activities. Most types of insurance, including those for automobiles, homes, and even health insurance, provide coverage against burglary, which widely falls under general insurance India. Crime insurance endorsements can also be added to your policy to increase your protection against theft and burglary. Get acquainted with all the necessary information about a burglary insurance policy for your home or workplace safety. The criminal act of a few minutes can adversely affect your hard-earned happiness. Don’t let this happen, and buy reliable burglary insurance today!

Click HERE to know more about 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.

What is the first image that comes to your mind when you hear of outdoor adventures? The most popular thought associated with the idea is likely to be camping, an offbeat experience that tastefully connects nature and adventure.

Camping is a solo or group adventure popularised by the West that involves outdoor overnight stays in unfamiliar terrains to enjoy the beauty of untouched nature. While it is an experience like no other, camping does involve a lot of effort and adjustment to make the stay enjoyable.

Camping has always been a top choice for avid travellers and adventure enthusiasts, but a new activity that interests everyone is glamping. It is a perfect introduction to camping that brings together luxury to the wilderness, making the experience pleasant and more premium.

Read on to find all about the trending activity, where you can find glamping sites in India, and whether it is covered under general insurance plans.

What is glamping?
If you need a break from your hectic life and wish to explore the wild without putting in too much effort, glamping is the ideal outdoor activity for you. It is a simple mix of glamour and camping. Depending on your budget, you can opt for a high-end camping stay set amidst a picturesque outdoor setting.

Are there any risks associated with glamping?
When you look past the glamour, there are several risks associated with glamping, just like camping. You may damage your property or glamping equipment, lose your luggage or face health issues on the trip. We strongly advise you to contact your insurance provider to confirm what damages are covered in your general insurance plan and clarify your queries to ensure that you have a cover to bank on in case of any unfortunate incidents.

Best locations in India to experience glamping:
Glamping is an activity that garners the interest of young and old alike. But where exactly in India can you enjoy this adventure? Here are the best locations for a quick glamping trip.

1. Jaisalmer:
Also known as Golden City, the city in Rajasthan with expansive deserts is an excellent place to go glamping. With luxury camps pitched in the desert, it makes for an experience like no other. Glamping companies also tie up with other entertainment providers to provide sightseeing and local experiences as a part of the package, making the trip worth the price.

2. Ladakh:
Ladakh makes for an exquisite glamping location. You can enjoy the rustic beauty of Ladakh from your luxurious tents without making any compromises. Although placed in the middle of nowhere, the tents have all the amenities to make your trip comfortable and enjoyable.

3. Goa:
The popular tourist destination for a quick getaway is unsurprisingly great for glamping. With beaches, moderate temperatures, and top-notch entertainment, Goa is the best place to kick back and relax. While there are several luxury tent providers, you can decide to have a minimalistic glamping trip by using your car as your tent.

4. Kerala:
Kerala's pleasant temperature, idyllic scenery, and slow pace of life set a great mood for glamping trips. The vast range of biodiversity in the state provides an opportunity to engage in activities like trekking, sightseeing, and boating. Known for its hospitality, you will have a relaxing glamping trip in Kerala.

5. Darjeeling:
Sprawling tea estates, widespread greenery, and long trails in the thickets of the forest make Darjeeling an exotic vacation hotspot. A glamping trip in Darjeeling is peaceful and gives time to reflect and escape the everyday bustle of life.

The topographic diversity of India makes most regions great for glamping. Based on your preferences, you can escape the mundane activities of life and take a quick trip to a coast side, hill, or desert and enjoy a rustic break.

Irrespective of the location, safety is a factor that must always be considered while planning for a trip. Investing in safety means investing in happiness. The best way to do so is by ensuring that you and your fellow travellers have general insurance plans that cover any potential accidents.

Click HERE to buy the best general insurance plans to make your glamping trip safe and more enjoyable.

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.

Do you often hear your employees nagging about how team-building activities are childish? Then, it's high time to drop the regular events and gear up for jaw-dropping adventures.

The whole point behind organising these events is to make the team creative and shed light on aspects like leadership, etc. This is the best way to energise the team and find great leaders. The more stress-free the environment is, the more productive the employee will be.

Often, excruciating projects affect the creative perspective of the team. Engaging in sports will cultivate mindfulness and creativity. Stay tuned till the end, and strike down boring ping-pong tables, regular parties, hackathons, etc., because we've got something interesting!

Still not convinced? Take a look at this blog; we will cover some of the mind wrecking adventures.

1. River rafting adventure:
For an exhilarating day, river rafting is highly advised. Water games always tend to be an ideal release of stress. The interpersonal relationships make the river rafting adventure fun and leave memories that last forever. This helps to build trust among the group where all team members in the raft paddle in coordination and motivate each other to put in their best efforts.

2. Paintball army:
Adventure sports are the thrills most people want to taste once in their lifetime. And this is the one that brings out the adventure seeker and the curious kid in everyone. All you need to do is make separate army troops and establish a real-life war zone.
And before you know it, you can build a strategic thinking and warrior mindset. The very fabric of teamwork is what makes the team win over here. Get ready to take charge of the paintballs, hunt down your targets, and spend a thrilling day enjoying yourself.

3. Get the adrenaline pump:
Would you drop down the chance if allowed to go on a group cycling in difficult terrain? Sounds exciting, isn't it? Rock climbing, paragliding, trekking, and many others are hands down amazing mental and physical puzzles. This develops the risk-taking mindset and gives employees a much-needed break from their work routine. Pick spots that offer these adventure sports and plan a day out to savour nature's unparalleled beauty along with the intensity of heart-throbbing adventures.

4. Turf tournaments:
Every person brings a different competitive edge to the table. As an employer, you need to set a perfect environment without fear of failure. Nothing other than a game of soccer or cricket can manage to build teamwork. Suppose you have 30 employees; you can create 5 to 6 teams and play an internal tournament on turf pitches. Everyone will strive to bring home victory by focusing on one common goal by keeping sportsmanship as their priority. In this process, they will realise their strengths and build a mindset of understanding each other. So, naturally, instead of performing well individually, they will accomplish tasks working together

5. Escape room:
Here's the last one on the list. While it may not be an outdoor game, it's hands down the best pick to escape real-world problems. Picture this: Getting tossed into a room with challenges sounds exciting. And remember, all of this while the clock ticks off. When this is done with the entire team, it enhances collaborative leadership and strategic thinking.

These adventures are not just a medium of entertainment but also a useful resource to energise the employees and encourage them to perform tasks in unity. Rewarding your employees with such exciting breaks once in a while makes them feel valued and allows them to indulge in less mundane and more enthusiastic activities.

But remember that any adventure is enjoyable only when safety is assured. Accidents come uninvited, but a comprehensive personal accident plan can make up for the damages done to an individual due to a mishap and compensate for it without the policyholder worrying about the finances. You may seek affordable health insurance plans to get comprehensive coverage against mishaps. This way, you can focus on enjoying the adventures with happiness and vigour.

Click HERE to buy affordable health insurance plans.

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.

A group health insurance plan for employees is a group mediclaim plan purchased by a company for all its employees. The employees get basic coverage against common ailments and treatments. The employers usually deduct a certain sum from the CTC of the employees to pay for the premium of the policy. Also, they may decide to either share the premium burden or pay it fully themselves.

This trend of insuring employees' health and well-being has been followed for a long time. It establishes a bond of trust and responsibility the company takes for its employees. But how exactly is group health insurance beneficial? Here are the perks of buying a group health insurance policy for employees.

1. Cost efficient:
Since such policies are bought to cover many people, insurance companies provide them at a good discount. If the employer buys the same number of health insurance plans individually for his employees, it will cost him much more.

2. Motivation booster:
A group health insurance policy is a symbol of the care and concern of an employer for his employees. The employees feel valued that the employer is taking care of them. This acts as a motivation, and they work in a more dedicated and devoted manner towards the company. Also, such policies act as a retention tool. Employees think twice before changing jobs since they feel attached to the employer and the company.

3. Zero waiting period for pre-existing diseases:
A regular health insurance policy provides coverage for pre-existing diseases after 3- 4 years of buying the policy. However, there is no waiting period for the coverage of certain pre-existing diseases, such as diabetes, hypertension, etc., under a group health insurance plan. Employees get full coverage for any possible medical expenditure from day one.

4. Preferential treatment:
The buyers of group health insurance policies are big customers for the insurance companies. Hence, the insurance companies cannot afford to annoy them and have to deal with them as a priority. The employees get preferential treatment at the time of passing of claims.

5. Maternity coverage:
Regular health insurance plans usually do not provide maternity coverage and assistance. However, a group health insurance plan comes with automatic maternity coverage. The newborn child also gets automatic protection under the policy as a dependent after 90 days of birth.

6. Full family cover:
The group insurance plans provide health insurance benefits for the employee and his family. He can avail of the benefits for up to 5 dependents at no extra cost. Family-floater plans under regular policies charge much higher premiums for providing similar coverage.

7. Premium as a business expense:
An employer who pays the premium for a group health insurance policy for his employees can claim it as a business expense. It is treated as a benefit that he is providing to his employees. He can book the expenses in the profit and loss account like a general business expense and save on taxes.

8. Validity of the policy:
As per the IRDAI, an employee can migrate to an individual health insurance policy from a group health insurance plan while leaving or changing his job. He will have to complete some formalities with the insurance company for the same. Also, this depends upon the insurance company to continue or terminate the policy.

9. No medical checkups:
Another benefit of a group health insurance plan is that it does not require any medical checkups of the employees before buying the policy. The usual health insurance plans require a medical checkup before issuing the policy.

Buying a group health insurance for employees is often a win-win situation for the employer and the employees. There are many benefits and perks of such policies, which we have already gone through above. Moreover, such a policy is compulsory for employers and mandatory by law. Choose the best health insurance company in India that takes care of your most valuable assets- your employees.

Click HERE to buy the best 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.

The Covid-19 pandemic has led to a demand for health insurance policies. People are now aware of the importance of health insurance cover in case of sudden hospitalisations and expensive treatments. Moreover, many people also opt for it to avail of tax benefits.

Let us take you through a few lesser heard facts about health insurance plans in India. This will facilitate you to make a better and informed choice if you are also planning to buy a health insurance policy for yourself and your family.

1. NRI health insurance policy:
It is now possible for a non-resident Indian (NRI) to avail of health insurance cover in India. An NRI person will have to submit residence proof along with other necessary documents. Companies use Indian parameters to ascertain the cost of the treatment and premium amount. The treatment will have to be done in India to enjoy the policy benefits.

2. Pre-existing diseases:
Yes, you can get health insurance coverage even with pre-existing diseases. The insurance company will start coverage after 36 or 48 months of buying the policy, as per the terms and conditions. You will have to disclose the ailment at the time of buying the policy; otherwise, the insurance company can reject your claim at a later date.

3. Limits:
There are sub-limits set under your policy cover for certain types of expenditure. Generally, insurance companies put a cap on room rents based on the total sum insured. For example, suppose your total policy cover is 10 lakh rupees, and the room rent has a cap of 1% of the total cover. You are eligible to spend only Rs.10000/- a day on the room rent. You will have to pay it from your pocket if it exceeds that amount.

4. Recharge of the insured amount:
Exhausted your health insurance coverage amount? No need to worry. Some insurance companies allow us to recharge or upgrade our policy cover amount! For example, suppose we have insurance coverage of 5 lakhs INR, and it gets exhausted. We can opt for the refill and reinstate the cover if we need it over the remaining tenure.

5. Daycare coverage / Maternity coverage:
Many health insurance companies have started providing cover, even for daycare procedures. The patient need not be hospitalised for over 24 hours to benefit from the cover. This has made it convenient for people undergoing procedures such as chemotherapy, dialysis, radiotherapy, etc. Similarly, some policies now provide us coverage for maternity-related expenditures as well.

6. No age restriction:
Some insurance companies have started providing health insurance coverage without restricting the insured's age. People over 65 years of age can also get health insurance coverage now. Moreover, they can also buy a family floater plan and get coverage for their spouse and other family members as well.
The policy will remain functional and valid until the insured continues to pay the premium for the policy timely. They cannot deny the coverage with the growing age of the insured.

7. Reimbursement policy:
When purchasing, we generally check the network hospitals first in our health insurance policy in India. It is believed that the policy benefits will apply only in those hospitals. This is not the case.
Coverage is valid and works even when admitted to a non-network hospital. It does not matter if it is not on the list of eligible hospitals for cashless treatment under a policy. Patients will have to settle the bill themselves at the time of discharge. The insured will get reimbursed from the insurance company at a later date after the submission of all the required documents.

One should carefully go through the terms and conditions of a policy before opting for it. You should not just get lured by a low premium amount. It may exclude coverage for certain treatments and facilities, and you may suffer later at the time of need. The benefits and coverage provided under health insurance plans in India vary from one company to another. Hence, be prudent and choose your health insurance policy wisely.

Click HERE to know more about the best health insurance plans in 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.

Do you think you find yourself mislead while purchasing car insurance? Most people lack knowledge of car insurance coverage, legal terms, and exclusions. While we understand the core concepts of it can be vague, it is essential to understand the advantages and limitations of the car insurance policy. So, the best way to get to the crux of this is to read this blog until the end.

First-time car insurance buyers have numerous questions bombarding their minds and leaving them clueless about making the right choice. In this space, we will be looking at the most frequently asked questions so that you can choose the best-suited policy.

1. Is it mandatory to take a car insurance policy in India?
Yes, it is indeed mandatory. As the days pass, we witness an alarming increase in road accidents. According to the Motor Vehicles Act, 1988, it is stated that while driving on Indian roads, it is essential to have a car insurance policy to drive legally. At the very least, you must possess a third-party car insurance policy.

2. Is it necessary to buy car insurance for old cars?
Whether old or new, you must purchase insurance for all types of cars. But the only thing that stands out when buying old car insurance is the premium amount. It is comparatively lower since the market value goes down as time passes.

3. What are various types of car insurance available in India?
At present, there are only two types of car insurance policies available. Third-party car insurance policy is most commonly in demand. It includes both third-party financial and legal liabilities that the policyholder is covered.
The second most popular, comprehensive car insurance, has more excellent coverage of damages. It is said to be the most efficient in terms of protection. The liabilities arising from vehicle damages of the driver/owner and third-party liabilities are covered.

4. What does no claim bonus mean in a car insurance policy?
Throughout the policy tenure, if a policyholder does not claim, then the respective insurance company issues an NCB (no claim bonus).

5. What are the additional covers?
To enhance protection, the insurance companies provide additional covers. These include engine protection, roadside assistance, and zero depreciation. This is entirely optional and, when chosen, needs an extra premium to be paid. Add-ons can be effective as an immunity booster for your insurance plans.

6. Do the online car insurance policy documents have the same validity?
Yes, both printed and online insurance policies have the same validity. You receive the documents through email if the policy is purchased online. You can save it or choose to download the same. Online car insurance has the massive benefit of having the freedom to purchase independently. You can directly visit insurance providers' websites and surf multiple options that suit your needs.
Technology is shaping the future of the insurance industry and is providing customers with the convenience and liberty of making purchases without the involvement of intermediaries. This significantly reduces the cost and makes the process hassle-free.

Investing in securing your assets is the intelligent choice to manage your finances and stay stress-free during emergencies. We are sure you have a basic idea of concepts in car insurance. And now, you can ask the right questions while you buy one upon your next renewal or new car insurance.

Click HERE to know more about the process of buying car 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.

India’s cultural diversity is like no other nations. With every few sq. km, you can experience a new language, culture, values, and most importantly - food! While everything else changes, the warmth of the people of India stays unchanged. Every region organises different fairs that celebrate their culture and religion.

These fairs are essential to the cultural identity of different regions. They also provide great entertainment for tourists and boost tourism in these areas. These traditional fairs make for great family vacations where tourists can enjoy the rich heritage and different customs unknown to them.

While these cultural fairs are great for vacations, they also bring along the risk of being exposed to new environments, activities, and the potential risks of accidents. You must purchase travel insurance from a general insurance company to protect yourself and your family against such incidents.

After ensuring that you have an active travel insurance policy, you are all set to explore these famous cultural fairs to learn more about the cultural integrity of India.

1. Jaipur Literature Festival:
The Jaipur Literature Festival is a unique celebration held over five days that promotes literature, ideas, and discourse from eminent authors. It is the world’s largest free literary festival that provides a platform for intellectual discussions and for local artisans to showcase their handicrafts. The music stage is another attraction that draws massive crowds and provides a stage for up-and-coming local artists.

2. Uttarayan Festival:
The International Kite Festival, held in multiple cities of Gujarat like Ahmedabad, Rajkot, and Surat, draws people from all across the world. The Kite Festival begins in Uttarayan, similar to the Uttarayani Festival, which celebrates the approaching harvest season. The festival features regional Gujarati delicacies enjoyed by thousands of fairgoers.

3. Hornbill Festival:
The indigenous people of Nagaland celebrate the Hornbill Fest. The state government organises it to promote harmony amongst various tribes and protect their culture. Held in Kisama, the festival displays the varied traditions and arts of tribes.
A music festival and rock contest are also held during the same period attracting many tourists. Visiting the festival provides insight into the Naga arts, sports, music, food, culture, handicrafts, and more.

4. Rann Utsav:
Rann Utsav is celebrated in the Rann of Kutch, Gujarat. The white desert festival lasts over four months and celebrates artisans, folk dance and music, traditional handicrafts, and culture. It provides a great boost to the economy and engages visitors in a plethora of activities that keep them busy throughout their stay. The unique feature of this fair is the provision of luxurious campsites that keep visitors satisfied without compromising on luxury while enjoying the culture of Kutch.

5. Kumbh Mela:
Celebrated four times over a cycle of 12 years, the Kumbh Mela is the biggest fair organised in India. The site of the fair changes every time it occurs. The Mela at Prayag attracts the most pilgrims of the four sites. If you wish to experience religion and unified diversity, Kumbh Mela is the perfect fair to do so. The visitors to the fair come from different walks of life and come together to stay true to their religious beliefs.

6. Baisakhi Mela:
Baisakhi is the festival that celebrates the onset of spring. Similar to Makar Sankranti, it is celebrated in the state of Punjab, which is a primarily agricultural state. It marks the beginning of the Sikh New Year and begins with a round of prayers in the morning at the local Gurudwara. Langar, Bhangra, and Gidda usually follow throughout the day. The Baisakhi Mela also includes stalls set up by local artisans and local performing artists where you can enjoy the traditional vibe of Punjab.

Each region celebrates festivals differently and has its unique charm. While some are lively, others are more focused on culture and traditions. Experiencing the cultures of different regions is an unmissable opportunity that must be taken with care. The best way to do so is by purchasing an insurance policy from a general insurance company that keeps you and your family safe throughout your trip.

Click HERE to buy general insurance to keep you protected on your next trip.

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.

Nothing beats the peaceful enjoyment of a long solo drive. With the weather being nice and pleasing, it is the perfect time to plan a solo car trip to detox from the busy lifestyle and the city hustle.

But with the fun aspects of solo trips, it is also true that solo travelling is somewhat unsafe since you are going long distances all by yourself. It is crucial to acknowledge the perks of car insurance India can be beneficial during emergencies.

So, to make your travelling experience more enjoyable, here we have eleven safety tips for long-distance driving.

1. Remember to take frequent breaks:
A long drive can be entertaining but also exhausting. So, remember to take breaks from driving, get out of the car, stretch out your muscles, have quick snacks, and hydrate yourself.

2. Be careful with your luggage and cash:
When you're on a solo trip, you are basically on your own with the security of your belongings and valuables. Make sure you lock your car when you move out for a refreshing walk.

3. Interact with the local people:
Local people are the best way to know more about the place you are travelling to. Be kind and interact with the locals so they can help you have a safe journey while making your trip more memorable.

4. Have good knowledge of the policy of car insurance India:
Danger never comes with warnings. So always ensure that you cover your car under a legal insurance policy.

5. Be safe with your routes, but don't be afraid to explore:
When you're on a solo trip by car, you always have to be extra careful with the route you're taking for your adventure. While it is necessary to remain safe, don't be afraid to explore the local attractions of the places you travel and enjoy their authenticity.

6. Prepare yourself for anything unfortunate:
While travelling solo, you should always be prepared for the worst. Always carry pepper spray and/or a safety knife with you. Cases of solo travellers being attacked are common, especially in isolated places. Try staying in places where the network is working, so you can always contact the emergency services if you need to.

7. Educate yourself with the basic knowledge of the regional language:
If your destination has a predominant language, it is best to learn some basic phrases in their language so the local people can help you out in case you need them. Simple phrases like greetings, help requests, etc., should be in your vocabulary for a safe travelling experience.

8. Don't blindly trust strangers:
The age-old advice of not trusting strangers is a legitimate one. You can never predict people's true intentions, so while it is good to be nice in general, don't trust everyone you meet on your trip.

9. Don't eat or drink from unverified sources:
Being on a solo trip to foreign destinations will require you to be properly informed and careful with everything the place offers. So, for the sake of your safety, do not eat or drink from places that seem suspicious or unhygienic.

10. Follow a modest dress code:
While it may not be an issue in some places, it is always important to dress modestly if you plan to go on a solo trip somewhere unknown.

11. Have your entertainment sources with you:
While solo car travelling adventures are always fun, things can quickly get boring. So have a playlist of your favourite music to groove and enjoy your trip even more. Books and magazines are also a great way to entertain yourself during breaks.

We hope your solo travelling adventure is refreshing, entertaining, and safe. Prepare a quick checklist and note down all the crucial tasks to make your trip convenient. Start with taking your car for servicing. Pack light, do not stuff your bag with unnecessary things, and most importantly, carry a first-aid kit. Have all the required documents like driving licence, PUC, car insurance India, etc., handy with you. Keep these tips in mind for a better experience, and lastly, have a safe journey!

Click HERE to buy car 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.

India is a country with diverse topography, culture, and people. Since the urbanisation boom, most of our population has shifted from villages to cities in search of opportunities and better lives.

Recent trends indicate a welcome change as the increasing number of people are opting for village tours to experience rural life in stark contrast to the everyday bustle of the cities. These village tours help support the rural economy and boost tourism.

The unparalleled experiences in remote villages are an experience like no other. These tours provide a glance at everyday village life, including the local cultures, food, and lifestyle. These experiences can significantly change the way we perceive life.

What to expect from village tours?
Village tours are a great way to get an idea of what village life looks like for a short period. It is an immersive experience where you can interact with villagers and be amongst the common folk. You can feel the sense of community engagement while enjoying the pristine rural background.
Some tours also provide a luxurious experience through well-built camps equipped with all the requisite amenities. However, as you are stepping into a lifestyle unknown to you, it is best to be prudent and insure yourself and your fellow travellers. If you do not yet have a travel insurance policy, you can consider purchasing online general insurance that covers accidental mishaps.

Following are some of the best villages tours in India;

1. Kutch:
The white desert in Gujarat is home to several villages where they continue to preserve and exhibit their traditions, culture, and handicrafts. While the desert has plenty to explore, the villages provide an opportunity to live in clusters of mud huts and engage in the daily activities of the Kutchi people.

2. Punjab:
Punjab is an ideal place to experience village life. With a majority of people engaged in agriculture and allied activities, the hospitable villagers of Punjab are great hosts for facilitating this experience. One can experience tractor rides, farming activities based on the season, and learn more about their culture. All of this can be done in vast fields with clear skies in the backdrop- how much better can it get?

3. Wayanad:
The district at an altitude is home to some of the oldest tribal villages. The North Kerala cuisine, coffee plantations, bamboo handicrafts, and workshops are highlights of visiting the villages of Wayanad. Depending on the season, you can try your hand at working in the vast plantain orchards and coconut plantations.

4. Spiti Valley:
Spiti Valley is a cold desert in Himachal Pradesh with small villages spread over the region. Although the villages are sparsely populated and very remote, they provide a unique experience. The unfamiliar surroundings in the mountains may seem cold, but the warmth of the people makes up for it.
The locals are excellent guides to take you sightseeing and can help make the most of your trip while bonding with your hosts.

5. Sunderbans:
Known for being the land native to the Royal Bengal Tiger and swampy marshlands, several villages are located in the Sunderbans. Walks in the villages, exploring the mangroves, and basking in the humid climate are what your days would look like on a village tour to Sunderbans.

Irrespective of the village you choose to explore, you will be greeted by enthusiastic and hospitable hosts who will do their utmost to make your stay enjoyable and comfortable. Your hosts will ensure to engage you in a trip that will leave you feeling like you're amongst them without missing out on any luxuries or facing any inconveniences.

Our only tip to you before you book your trip would be to look into the terrain and climate and pack accordingly. Be aware of the risks associated with the area you're visiting and ensure that your insurance covers the same. If not, you can always buy online general insurance that can keep you protected at all times.

Click HERE to buy online general insurance plan.

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.

Road accidents continue to be the leading cause of death in India. In the metro cities, the need to ride at a blistering speed is overwhelming. In this process, you tend to slip the clutch while struggling to switch off the motorcycle. As the phrase goes, "Haste makes waste", it can't be more accurate. You not only risk jolting forward but also the likelihood of accidents is concerning.

As per the World Bank report, "India tops the world in road crash deaths and injuries. Around 11 per cent of all road crash deaths are witnessed in India, which corresponds to 53 accidents every hour; taking one life every 4 minutes".

By this point, you all must be wondering what can be an efficient way to eliminate this problem. The ideal solution is a kill switch to wind down a motorcycle.

This blog is a comprehensive guide to understanding the purpose of a kill switch.

With this emergency stop, you can rapidly turn off the bike without withdrawing your hand from the handle to reach for the key. To turn off the power, you just have to use your thumb. In short, this safety mechanism can save your life in an accident.

Turning off the motorcycle instantly seems like an unusual idea. But in general, while doing so, we put the bike’s mechanism at risk. The kill switch is designed in a way to mitigate this problem. It swiftly breaks the contact with the ignition coil. This is a very straightforward mechanism to shut the engine off. It is also convenient, considering how by keeping your hands on the handlebars, you can engage the kill switch more immediately during an emergency.

All in all, this is a simple, direct emergency shut-off switch that clicks the device off. It is an essential safety feature that enables the rider to turn off the motorcycle when it is impossible to do so manually.

All you have to do is press the red button. If you're a new rider, you probably spotted a scarylooking red switch on your bike's right-side handlebar. So, you now know how a kill switch looks.

In a heavier bike, the rumbling engine is silenced with this mechanism's help. It also aids in handling emergency situations without disturbing the bike's stability. You won't need to glance down to find it because it will be easy to operate after some experience. It is also a quick method to halt your bike for a brief period, to give directions, or in traffic.

Numerous motorcycles are designing advanced technologies to eliminate road accidents. While this is one way to make you feel secure, you should consider other options. In India, it is almost necessary to take insurance for your motorcycle. If it expires, you can apply for an online motor insurance renewal. It is another way to drive safely without worrying about financial losses against insured vehicles, including extensive damages and liabilities. Always keep your insurance policy up-to-date to avoid it from lapsing.

We hope the above information explains the importance of kill switch and online motor insurance renewal. It is always best to have complete knowledge about your vehicle, its parts and their use. This information can help you better understand your bike and stay protected during unfortunate events.

Click HERE to get online motor insurance renewal.

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.

Electric vehicles are all the rage right now. India will significantly switch from fuel-based to electric-based vehicles in the upcoming years. Countries like the USA have seen a significant chunk of their population switch to electric cars. Even in India, people drive electric scooters in metropolitan cities. Like every other vehicle, electric vehicles also require maintenance. Plus, you would need to ensure that you make the energy of your electric vehicle efficient and increase the capacity of the engines to give your vehicle a prolonged life.

Now, let's discuss the techniques and tips that can increase the range of your electric vehicle. Doing this will help you improve your car's battery life in the long run. So, let's get started.

1. Drive properly:
Sudden jerks and an increase in acceleration can adversely affect your battery as the increment would put pressure and end up draining the battery. Experimenting with your vehicle's torques and testing the high speeds sure seem very lucrative, but it will impact your battery negatively over time. You also need to ensure that you drive smoothly and operate your vehicle carefully to increase the battery's longevity and the overall functioning of your two-wheeler or fourwheeler.

2. Go easy on the air conditioners:
The usage of air-conditioners does impact the battery. Prolonged use of air conditioning depletes the battery power at a fast rate. But there are places and times when you cannot live without the air conditioner. How do you go about this issue? You can switch on the fan instead of amping up the compressor. This will help you conserve power and regulate the cool air inside the car. You can open the windows, but this slightly affects the car's aerodynamics, functioning, and operations.

3. Be careful on those brakes:
Your electric vehicle's regenerative braking helps you recover the energy lost during the sudden braking process. So, use that whenever there is a necessity for brakes. And make sure to avoid unnecessary braking as it stresses the battery into bringing the vehicle to a halt or lowering the speed out of the blue. So, take it a little easy on the brakes whenever you are driving. Also, ensure that you use the maximum regenerative setting of your car during the deceleration process. This option will help conserve all the extra power by directing it back to the battery and increasing its life.

4. Be mindful about charging your vehicle:
It would be best if you carefully charge your electric vehicle. Keeping it plugged in all the time while your car is idle in the garage is of no use. Instead, it will negatively affect the battery as it starts to self-discharge once it gets fully charged. Timing the charging of your electric vehicle's battery helps you to attain those few miles once your vehicle is fully charged and plugged out at the right time. Timing the battery charge also helps conserve electricity and increases your battery's longevity. So, it's easier on the pocket and the environment.

Some other ways to increase the range of your electric vehicle include figuring out an efficient route to your destination, packing and travelling light, keeping your tyres in check, etc.

Unprecedented circumstances indicate the level of uncertainties around our lives and possessions and how we must be careful and take mandatory steps to prepare for these situations in advance.

This is why you need to purchase motor insurance from the best motor insurance company to safeguard your vehicle in times of distress. Explore your options carefully and buy insurance from the motor insurance company, which promises to cater to your needs in the best ways possible.

Click HERE to know more about the insurance benefits provided by the best motor insurance company.

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.

There are many instances when people overload their cars. It might be a fun road trip, a once-in-a-lifetime hike, or helping a relative or friend move. From clothes, shoes, and other accessories to the amenities like bicycles, coolers, mattresses, and more, it seems necessary to pack our whole house up before leaving for a road trip.

Similarly, when moving or helping a friend move, you try to take more and more stuff on one trip to reduce the number of rounds taken, often leading to overloading your car unnecessarily. This may result in car accidents and injuries, sometimes fatal for the passengers.

This blog tries to give you an argument against overloading your vehicle in the future.

1. Stress on the suspension:
When steering an overloaded vehicle, there's a high possibility of the weakest point giving out, thus resulting in a crash that endangers the passenger's lives and those with them on the road. It becomes increasingly difficult to steer the car in the right direction and turn safely on bends due to overloading. Your vehicle might face serious suspension issues, resulting in an unpleasant driving experience, especially on bad roads.

2. Instability:
Every vehicle is unique in how it reacts to excess weight. However, most vehicles become highly unstable as a result of excess weight. It becomes difficult to steer, and the stopping distance increases drastically, which can hamper the smooth running of your car. Sudden steering or manoeuvring is highly discouraged when a car is overloaded because it can result in a spinout.

3. Chance of blowing a tyre:
One of the biggest concerns while driving an overloaded car is that the tyres heat and blow up when they come across high degrees of pressure. There are increased chances of bursting, and at the very least, there will be increased wear and tear on the tyres, bringing maintenance issues.

4. Penalties:
You might be fined solely for the safety and well-being of fellow drivers and vehicles. After increased accidents in India due to overloading, stringent laws are being applied all across the country, and hefty fines are being imposed.

5. Compromised safety:
With an increased number of people and items in the car, it is improbable that any of the passengers will be able to put their seatbelts on. This is highly dangerous and can result in the compromised safety of everyone in the vehicle, especially if the car meets an accident.

6. Harder to apply brakes:
Brakes will take longer to stop an overloaded vehicle than a regular vehicle. This, in turn, makes it harder for the driver to react in case of emergencies and makes it highly unsafe for passengers due to the possibility of car crashes

7. Acceleration loss:
Acceleration is highly compromised when a car is burdened beyond its carrying capacity. It makes it harder for these cars to move smoothly between vehicles on a busy road, which can result in mishaps.

8. Reduced visibility:
Your rear vision will be impaired if items are packed on top of each other in the backseat. This reduces driver control and can lead to hefty fines if caught. Also, the cramped space that comes with riding with so many passengers aboard can severely hamper driver control.

9. More petrol consumption:
The engine demands more consumption of petrol to generate the power to drive the load in the car. While this may not seem like a high cost, it adds up to be a lump sum with time.

10. Discomfort:
Driving with such heavy equipment increases discomfort, and there's a high probability of a heavy object hitting your head if you apply the brakes too hard.

Although insurance rarely covers damages resulting from overloading a vehicle, it's best to research the best car insurance in India to be safe from heavy expenses if your car faces damages due to an accident. We advise you to avoid overloading your car in any case. It is not worth damaging your valuable asset and putting your life at risk for saving time and stuffing your car with excessive items. Safety should be your top priority. Therefore adapt to healthy driving practices to keep yourself protected throughout your journey.

Click HERE to know more about the best car insurance in 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.

Crowded places are a feast for pickpockets. They can easily pick our pockets while we move in cramped surroundings such as a busy market amidst the constant crowd nagging of people around us. Pickpockets do this so skillfully and swiftly that we are left unnoticed and outwitted. Losing our wallet can be frustrating, especially when it is loaded with important documents such as the driving licence, Aadhar card, voter id card, and even credit or debit cards. Moreover, the loss of money can be very harsh and painful for most of us.

So how can we deal with such situations? Here are some tips for outwitting pickpockets and staying safe in crowded places.

1. Move your wallet to your front pocket:
Never keep your wallet in the back pocket in crowded surroundings. Pickpockets can easily pick your back pocket, and you will hardly know it amidst the crowd. Therefore, use the front pocket of your trousers to keep your wallet. Outwit the pickpocket by keeping only those articles in the back pocket that are not very valuable.

2. Multiple wallets and pockets:
You can keep two wallets/handbags rather than just one. Keep your valuables and documents in a wallet in your front pocket or a handbag that you can keep close to you. Keep the lesser valuable products in the 2nd wallet in your back pocket. The pickpocket will be outwitted when he finds that he has taken away some useless items from your back pocket while your valuables are safe. Also, you can use multiple pockets in your bag to hide your valuables and divide your risk.

3. Do not show off:
Do not flash your expensive laptop, phone, jewellery, cash, camera, etc., in a crowded public place. Take them out only when it is necessary.

4. Lock your bags:
Carry small locks with you and lock your bag while moving in a crowded place. The pickpocket will not be able to open it in the middle of the crowd, and you will be safe.

5. Hidden pockets:
Nothing better than a hidden pocket in the front of your trousers or jeans. Pickpockets cannot reach there, no matter how much they try. Also, buy goodquality backpacks and purses with multiple hidden pockets and good build quality. The pickpocket will not be able to determine which pocket carries your valuables.

6. Disguise and hide:
Use smart hacks and disguises to outwit the pickpocket. If you need to carry valuable jewellery while going through a crowded place, hide them in your bag inside a small cardboard box. A ring can go inside a matchstick box. You can take a used burger box if you need a bigger box! Moreover, you can use a file folder to hide your laptop.

7. Carry your backpack facing the front:
While going through a crowded area or using local transport, pull the front portion of the backpack with the chain facing the front. This way, the pickpocket cannot open it from behind you.

These were some hacks you can use to outwit a pickpocket in a crowded place. Apart from these, simply go the digital way! Carry minimum possible documents with you in hard copy. Rather, carry them in soft copy format on your phone or laptop.

In case a pickpocket picks up your wallet, you lose all the important documents along with it. Do not let this happen to your bike insurance policy. Ditch those lengthy insurance papers. Buy the best bike insurance online and save yourself a fortune. You will save money on agent commissions and have a soft copy of the policy on your mobile phone. Overall, it’s a win-win situation for you and us as the insurance provider. The only loser, in this case, will be the pickpocket!

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.

In recent years, the necessity of health insurance has become unavoidable. We have found a cure to many of the earlier incurable diseases with the advancement of medical technology.

However, most of the major surgeries in India cost several lakhs. This is where a health insurance policy shows its magic. Investing in reliable health insurance can give you the confidence and strength to focus on your health without worrying about expenses. But there are several misconceptions about health insurance policies that discourage people who are forced to have a second thought before buying them.

But, what's the reality? Let us look at six major myths about health insurance and debunk them.

1. Health insurance is expensive:
No, it is not! Many think paying a few thousand rupees as a premium every year for a health insurance policy makes it expensive. Have you ever imagined how much major medical treatments cost in India? The average cost of cancer treatment has shot up to INR 10 lakhs. The cost of angioplasty or bypass surgery in case of heart diseases ranges between 2-4 lakh rupees. Similarly, other major surgeries such as hip replacement, knee replacement, or kidney transplant also cost over 4 lakh rupees. Hence, it is wise to pay a few thousand rupees as a premium every year and get a health insurance policy that will cover all your above medical costs than to pay such hefty amounts upfront in one go.

2. Rejection of claims:
Often, the insured does not read the complete terms and conditions of the policy and faces rejection. They may omit necessary information or fill incomplete information in the application form. Some hide information about their pre-existing diseases. Also, a few claims before the waiting period is over and therefore face rejection. You need to understand that claims do not get rejected on baseless grounds. But, it is crucial to investigate the true reasons for rejecting your claim.

3. Processing of claims is time-taking:
The processing of claims does not take much time if a proper system is followed. Cashless settlement is very fast. The bill is settled right at the authorised hospitals at the time of discharge as per the terms and conditions of the insurance provider. Even the reimbursement facility does not take much time for repayment nowadays. The insured must submit proper bills and support documents, and the claims are processed in a few days.

4. Health insurance does not cover pregnancy or day procedures:
A myth is that health insurance policies do not cover pregnancies, maternity care, or day procedures such as chemotherapy. There are specific policies with some terms and conditions to cover such medical treatments. There may be a waiting period before the policy provides cover. Some policies allow the patient to avail the policy benefits even if they are not hospitalised for 24 hours or more.

5. People with pre-existing diseases or senior citizens cannot get a health insurance policy:
Insurers nowadays cover most diseases after some waiting period, usually four years. The insured should tailor specific policies for their situation in such cases. Also, insurers offer health insurance coverage even to senior citizens over 65 years of age. As per IRDAI, health insurance policies can be renewed lifelong. Insurers cannot deny renewing the policy on the grounds of the policyholder's age if the premium is paid in time.

6. Health insurance policies are not "portable":
It is possible for an insured to "port" or change his insurance service provider in case he is dissatisfied with it. Also, he can change from one plan to another with the same insurance provider if he meets the required terms and conditions.

A health insurance policy is necessary for individuals in fast, modern life. If you have a family, you can get a cover for all of your family members under one policy. There are many more myths associated with health insurance policies. But like the above myths we just debunked above, we need to debunk them rather than outrightly shunning these policies. After all, it's your life, and you must take care of it, right? Make health insurance policy a part of it.

Click HERE to buy health insurance to secure your health with the best protection.

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.

Motorcycle fires are horrific sites to bear. With the recent rise in the usage of electric vehicles, there is a greater possibility of fires leading to vehicle damage and burn injuries. Electric vehicles use renewable energy sources, making them sustainable, but they come with the drawback of being more flammable.

Electric vehicles use a lightweight lithium battery that has a longer lifespan than regular lead-acid batteries. However, a lithium battery consists of two electrodes and an electrolytic fluid running between them. The electrolytic fluid is highly flammable and causes fires when the battery is overheated or damaged.

Even combustion motorcycles are at risk of catching fire if something goes wrong in the bike's engine or fuel tank, or there is a sudden short circuit.

Bikes are the love of their owners' lives. Although it might be horrific to think of even a situation when this happens, it's always better to keep knowledge handy when you need it.

This blog aims to give you an insight into what to do to protect yourself and your loved ones in the unfortunate case of your bike catching fire.

1. Turn off the ignition and get away from your bike:
Imagine that you're cruising down the highway at a comfortable speed when your bike suddenly shows signs that it might catch on fire. If you notice a spark or a fire, immediately kill the ignition and park at the side of the road. Avoid places with many people and other vehicles, electric poles, etc.
Dismount and get away from the bike as quickly as possible using the stop-drop-roll method. If you've left something vital on the bike, avoid going near it unless it is worth dying for. This is to ensure you're least affected if your motorcycle explodes.

2. If it's a small fire or just smoke, try to extinguish it:
If you absolutely have to go and try to save the vehicle and your items with it, do it smartly. If there's a fire extinguisher around you, or you can arrange it, try putting out the fire yourself. Also, you can use drinking water you might have bought along with you on the ride or soil you pick up off the side of the road to stop the fire from spreading immediately after you first sense it. Ensure a safe distance between you and the vehicle to protect yourself.

3. Contact emergency services:
If it's a busy road, ask for help from experienced people in the traffic. If you're stuck in an isolated place, immediately call fire control and tell them about your situation. Your instinct might tell you that you can put out the fire on your own, but it's best to leave it to the professionals to avoid risking your own life.

4. Alert people in advance:
This is not a scene from a movie where you'll barely escape a fire without a scratch. So if the fire seems big, steer clear of it. Raise an alert to help other vehicles and pedestrians get out of the way.
Be sure to put a device named an Emergency Warning Device (EWD). This puts out an alarm that helps inform other pedestrians or vehicle owners to get out of the way in case of a fire. If the fire becomes too overwhelming, all you can do is get out of the way and wait for emergency services.

A motorcycle fire is a traumatic experience to go through. But as long as you are safe, there's no harm done. Having the basic knowledge of fire safety and about the different parts of the bike can be helpful for you during such emergencies.

In such unfortunate incidents, you are responsible for protecting yourself and others, but for protecting your bike, you need special coverage. Here's when insurance comes into the picture. Buy motor insurance online and avail various benefits if your bike faces severe damage due to fire. All the repair and maintenance of the bike will be covered under your insurance cover, and you won't have to worry about the finances.

Click HERE to buy motor 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.

India has a long and rich history of its fight for independence. Most stories leave us with admiration and respect for that time's freedom fighters and activists and their sacrifice for India to breathe free. There's a sense of pride in knowing that we belong to the same country where many of these acts of bravery took place. The culture and heritage that we celebrate today is a blessing that we have received from the iconic stories of numerous Bravehearts. India has preserved this history for future generations to absorb the feelings of patriotism and cherish the diversity of our nation.

As we recently celebrated 75 years of our independence, the Indian Government launched an endeavour called "Azaadi ka Amrit Mahotsav" with a motive to celebrate the golden 75 years of freedom. So, pack your bags and head out to see these destinations that will surely fill you with patriotic fervour.

1. Cellular jail:
Situated in Port Blair of the Andaman and Nicobar Islands, Cellular jail is reminiscent of the horrors cast upon the freedom fighters. This jail can be visited by the public and has a famous light and sound show in the evening to remember the freedom fighters, especially the brave story of Veer Savarkar and his courageous escape from the jail.

2. Jhansi fort:
Jhansi fort in Uttar Pradesh is a symbol of strength and bravery of the highest degree. This place engraves the history of Rani Lakshmi Bai bravely fighting the British and eventually defending the fort with her last breath. Go to Jhansi fort to remember the brave acts of Rani Lakshmi Bai and the scenic views of the fort situated high on the hilltops.

3. India gate:
Located in the heart of the capital city, a few km from the Rashtrapati Bhawan, India gate was built to pay homage to the 82,000 soldiers who tragically lost their lives in the First World War. The martyrs' names are inscribed on the walls of this beautiful monument. Locals and tourists crowd this area to pay their respects to these soldiers and enjoy the beautiful lights and delicious street food near this historical monument.

4. Sabarmati Ashram:
Located in Ahmedabad, Gujarat, on the peaceful banks of the Sabarmati river, this heritage site is famous for being one of the epicentres of the freedom struggle. Made by a friend of the Mahatma, this was where Gandhi Ji resided for nearly 12 years, training activists to join his 'Ahimsa' movement. This Ashram also had schools and health centres and was a whole community of patriotic people. Visit this Ashram to feel the peace, and captivate your heart with the values of Bapu.

5. Wagah-Attari border:
Visit the Wagah-Attari border near Amritsar to get a rush of patriotic fervour. A famous flag lowering ceremony has been happening every day since 1959, where the BSF and the Pakistani Army lower their flags just before sunset. This is sure to leave you in awe. The soldiers' energy creates an electrifying atmosphere with the crowd anticipating with continuous chants of "Vande Mataram" and the tricolour waving with pride. This ceremony is worth an experience of a lifetime.

6. Kargil War Memorial:
India has been rigorously battling to preserve its liberty long after independence. Our fierce border security forces are relentlessly serving their duties to protect the nation from external threats. The Dras War Memorial in Kargil is one such place that reminds us of the iconic 'Operation Vijay' of Indian soldiers to keep the country safe during the Kargil war of 1999. Be here to pay your respect to those who gave our lives for us and salute the soldiers' dedication to protecting the nation at all times and in every situation.

Independence Day is the perfect way to learn more about our country's freedom struggle. Plan a heritage trip to these places and dive deep into the archives of Indian history. While celebrating the glorious 75 years of independence, ensure that you secure your trip with the best online general insurance to make your travel hassle-free.

Click HERE to know more about online general 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.

Fresh fruits and vegetables are a rich source of vitamins and minerals and help the body to develop immunity and resistance against several chronic diseases.

You can lose weight by making fresh fruits and vegetables an integral part of your diet because they are low in calories. We can use them as a substitute for other high-calorie food. Moreover, they can be used for munching in between meals. We will not feel hungry quickly and eat the next meal lightly.

Despite so many advantages of fresh fruits and vegetables, we often avoid making them a part of our daily routine. Let us go through the best hacks that can help us include fresh fruits and vegetables in our diet without apprehension.

1. Substitute:
Substitute the unhealthy junk food on your plate with fresh fruits and vegetables. First, fill at least 10% of your plate with fresh fruits and vegetables. Increase this percentage as you develop an appetite and taste for them.

2. Top up your junk food:
Top up your junk food like burgers and pizzas with loads of fresh fruits and vegetables. We can easily add chopped vegetables to the burger stuffing. We can add loads of tomatoes, spinach, mushrooms, garlic, etc., to pizzas, toppings, and even pasta. They will taste great and especially your children will love them!

3. Be innovative:
Bring Innovation to your food preparation by adding fresh fruits in yogurt, curd, custard, and cereals. Quietly add strawberries or blueberries to muffins and pancakes, advertise them as something special to your children and see how they will gobble them. Make innovative sandwiches and omelets by putting in extra veggies.
Make meals by using something like a sweet potato. Even the children will love it, which will be a great source of carbohydrates. We do not eat large portions of vegetables such as broccoli, no matter how nutritious they are. But we can increase its intake by adding them to our soups, curry, or even pasta.

4. Clean out or hide your junk stock:
We eat what we see. This is true, especially with kids. If they find them at home, you cannot stop them from eating junk food like chips, biscuits, wafers, noodles, etc. Completely clear away your junk food cabinet so your children cannot get hold of them and be tempted to eat them. If there is no junk food at home, they will have time to develop an appetite for fresh fruits between meals. Also, they will have space for eating fresh vegetables during meals.

5. Try making new purchases:
Never shy away from trying a new fruit or vegetable that you see in a store or supermarket. Do your research before buying them. Experimenting with fruits and vegetables can surprisingly be a good adventure.

6. Start having a fruit milkshake or smoothie:
Shakes and smoothies are one of the best alternatives to consuming fruits. Start having fresh fruit juice, shake, or a smoothie of loads of fruits. You may even add a few dry fruits and nuts to enhance the taste and nourishment.

Fresh fruits and vegetables are essential for our health and fitness. The above hacks can help us to increase their intake in our diets. This will result in better health and lower your risk of developing inflammation, heart disease, diabetes, and cancer.

Just as a good diet is essential for healthy living, good health insurance is crucial for efficient management of finances involved in health management. As health insurance improves your quality of life, invest in the best health insurance in India that is tailor-made for your special needs!

Click HERE to buy the best health insurance in India best suited for your needs.

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.

Car insurance is mandatory by law for every car owner in India. Also, it provides us adequate protection against accidents and third-party cover. However, some exclusions or incidents are not covered under a standard car insurance policy. Some insurance agents might not tell you about them explicitly to sell more policies, but you need to be aware of all the essential terms and information at the time of purchase of the policy.

Let us go through some of the key exclusions.

1. Damages to tyres and electrical components:
A car insurance policy does not cover the tyres of your car. They are bound to wear and tear with regular usage and time. Also, your insurance policy will not cover any damage to your car's electrical components and wiring. These include lights, music system, central locking system, etc. Damages can occur because of mishandling, rough weather, short-circuiting, pests, rodents, etc., but you have to vent your pockets to cover these damages on your own.

2. General wear and tear:
Your car insurance policy will not cover your car's general wear and tear that happens with time, usage, and weather conditions. Hence, the policy will exclude damages such as scratches and dents, rusting of the body, etc.

3. Damages caused by man-made events such as war:
Your car insurance policy will not cover damage to your car because of man-made events such as a war. It will also exclude damages from a nuclear explosion, chemical attack, terror attack, etc.

4. Driving under the influence of alcohol:
Your insurance company would not be liable to accept your claim if you or your driver were driving under the influence of alcohol or any other toxic substance such as drugs at the time of the accident. We advise you not to drive after drinking. Instead, take a cab to your destination and stay safe.

5. Ape hangers:
Half of the bike enthusiasts consider these the most comfortable set of handlebars available in the market. For tall riders, these can be the most comfortable, while for others, if it is not set according to their height, the hands and back would go numb. These give a more upright position and eliminate the need to hunch over. These are supposedly the best handlebars in the market for long road trips.

6. Intentional damage:
Your car insurance policy will exclude any claims against damages to the car or any property caused intentionally by you.

7. Expired policy:
Always renew your car insurance policy well in time because your claim will not be passed if the accident occurs after the expiry of your policy. The insurance company will reject your claim even if you have applied for renewal, but your policy was not active at the time of the accident.

8. Oil leakage:
Your car insurance excludes damage to your engine due to leakage of oil.

9. Pledging of car:
If you have pledged your car to someone else, and the person meets with an accident, the insurance company will not pass your claim.

10. Invalid driving licence:
An insurance company does not cover you if you were driving without a valid driving license at the time of the mishap. It is recommended to have valid documents handy while driving a car.

11. National territory:
An insurance company is liable to pay for your damages only if you sustain them while driving in the national territory of India. Any damage outside India, say Nepal, will not be covered under the policy.

12. Re-appeal clause:
You have 12 months to appeal to the court if you feel that the insurance company has wrongly rejected your insurance claim. After this time period, you cannot appeal against the insurance company's rejection.

One must always be aware of the above situations under which your car insurance policy will not protect you. However, protection against some of the above incidents can be bought by buying a zero-depreciation policy instead of a regular car insurance policy.

You can also buy separate covers and add-ons such as an invoice cover, engine protector cover, etc., which will give you added protection. Always ensure that you go for the best car insurance company in India that gives you a clear picture of all the inclusions and exclusions right at the time of purchase of the policy.

Click HERE to buy insurance from the best car insurance company in 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.

Are you someone who loves visiting new places? Many of us love to treasure those memories we create on our vacation. As much as it feels tempting to capture moments, we can't brush off the mess of problems that come with travelling. From exploring the best sightseeing to learning more about the history and culture of a place, it can be daunting for travellers, especially firsttime visitors.

This can impact the fun of travelling as you might miss out on the best experiences on your trip due to incomplete knowledge about that place. And this is where the local guide comes into the frame, as no one other than them knows best about the local excursions of a destination.

First things first, local savvy guides are those who give homely experience even in unfamiliar places. Let's see how hiring a local guide when travelling to new places can make your trip memorable.

1. Hassle-free:
It can be challenging at times to explore the streets while visiting places. You don't know what to speak and often get lost in the big crowds. Private local guides make it hasslefree, giving you tidbits of inside information. In this nuanced world, they help you with dinner reservations, vehicles, hotel bookings, etc. No one can beat them when it comes to their places. So, no language barriers anymore!

2. Personalised tours:
Local tour guides know the places like the back of their hand. So, keeping your best interests in mind, they curate some of the top itineraries for you to take part. You would have missed many of these off-the-beaten-path spots otherwise. Even if you miss a booking, your tour guide is your lifeline. They can manage last-minute bookings and make your journey convenient.

3. Time and cost efficient:
You can vouch that despite the internet, we are not informed about a plethora of destinations. We are unaware of proper timings, directions, etc. With local contacts and tricks under their sleeves, local guides can make you skip the lines, book restaurants, give in-depth knowledge of places, and much more than you think. This reduces costs and time since you don't have to go for intermediaries for every trivial aspect.

4. Educate and engage:
Local tour guides are not just local people taking you through the city. They are highly educated, specifically in the areas of architecture, cuisine, history, and art. They are trained in many areas, from entertaining kids to catering to adults throughout the tours. They make travel more exciting and enjoyable. Their expertise makes complex destinations easy to navigate through. A tour guide is a must when you go sightseeing as everything seems different from their perspective.

*Important note:
When you visit a new country, you risk getting lost or, worse, might run into accidents. Safety should be at the forefront at all times. So, it is always recommended to purchase the best general insurance India. A general insurance policy covers the unanticipated costs and ensures your travel safety. These costs include misplaced checked-in baggage, lost connecting flights, missed passports, etc.

At the bare bones of it, travel guides are beneficial, especially in a crowd full of unfamiliar faces. So, no more hustle to find the best travel places, food destinations, etc. Your travel guide will make your journey exciting by adding traditions and historical information brimming in the amazing destinations.

Next time you visit any new destination, ensure to hire a local guide to savour the best local experiences that are sublime and enticing. Vacations are one of the best stress busters. Make the best use of resources to make your holiday unforgettable.

Click HERE to buy general insurance India before your next trip.

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.

Research states that over one third of vehicles on the road are motorcycles. Found to be cost-effective, easy to ride, and convenient, motorcycles are used extensively in rural and urban areas. They can tackle rough roads and get you to your destination while skillfully getting you out of traffic.

While motorcycles have a significant user base in India, they also have their fair share of problems. The lack of safety is a primary concern with these vehicles. Riding at high speeds on under-maintained roads in a country where traffic rules are not strictly followed has resulted in hundreds of road accidents daily.

This alarming information should be enough to prompt you to purchase online motor insurance if you do not have one already. It is necessary to have insurance to cover any possible losses from damages to you, your vehicle, and third-party property.

While online motor insurance can protect your post-accident damages, here's a quick guide to prevent and tackle motorcycle wobbling when riding at high speeds.

What causes motor cycling wobbling?
Your motorcycle can wobble due to many reasons, even when not at high speed.
1. Defective tyres – Ensure you evaluate the tyres' pressure and build before taking your motorcycle for a ride.
2. Worn equipment – Motorcycles used at the wrong tyre pressures or overused bearings that are worn out are potential causes for wobbling. You must check the parts of your motorcycle and ensure that they are in perfect condition to facilitate long-running and prevent mishaps.
3. Irregular road surface – A sudden change in the road surface in the form of an irregularity such as a pothole while in acceleration is likely to cause your handlebar to shake.
4. Rapid acceleration – If you consecutively accelerate the bike, it cannot keep up with the rapidly changing speed and may wobble violently.
5. Instant slowing – You may also experience shimmying while decelerating from a high speed. This is caused due to the instantaneous changes in speed.

What you shouldn't do when your handlebar wobbles?
If you feel a slight shimmy and are sure it is not due to any motorcycle defect, do not grip harder onto the bar to stabilise it. Continue holding on in the same way and allow it to adjust to the surface. Do not let your eyes stay on the road beneath. Instead, look straight and assess the road ahead and the vehicles around to keep yourself at a safe distance from others.

Tips to ease out the wobble safely:
Assessing the situation is key in such a situation. If it is a well-maintained motorcycle on an irregular patch of road, do not worry. Do not tighten your grip on the handle and allow your bike to balance itself on the surface. The wobble, in this case, would be slight and can be easily overcome by the motorcycle in a few seconds.

If it is a motorcycle issue, the wobble will be much stronger. In such a case, here are some tips for riding out the wobble:
1. Slowly engage the rear brakes – At no cost should you use the front brakes, which will cause an accident. With applying rear brakes, your bike may wobble more at first, but it will slow down.
2. Lean forward – While it may not solve the problem alone, it increases resistance and may help slow down your bike.

These are the only ways to slow down your vehicle. Assess your possible options based on the road ahead. If there is a greater obstacle that your motorcycle is bound to crash into, it is best to abandon the vehicle. Your online motor insurance can cover any damages to your bike. However, if the road ahead is straight, keep your calm and engage the rear brakes slowly. You will eventually be able to decelerate and get out of the wobble and regain control.

While bikes are convenient vehicles, we strongly recommend riding motorcycles at acceptable speeds where you can easily control them to prevent mishaps. Online motor insurance is a must that can prevent any potential financial burden and have your back during emergencies.

Click HERE to buy an online motor insurance policy for your motorcycle.

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.

A keyless ignition system is an electronic access system that allows us to enter the car and start/stop it without the physical metal key. It is operated through a device known as the key fob or the smart key. The car verifies the key electronically and gives access to the driver.

Keyless ignition was introduced in the 1990s. It was a special feature in high-end cars until a few years ago. Now it is gaining popularity and can be found in the standard variants of several cars.

Let us go through the keyless ignition system in detail and the facts we need to know about it.

How does it work?
A keyless ignition system works through a key fob which is a radio transponder. It sends a radio signal to the car, signaling it to unlock the doors and give access to the car. We can then start or stop the car by pushing a button or turning a switch. The system also acts as an immobilizer to protect your car from thieves. The system works if you are within the car's range, usually 10-15 feet. A corresponding RFID chip in the car identifies the correct key fob electronically and gives access.

What is the importance of keyless ignition?

1. Convenience:
The foremost importance of keyless ignition is the convenience that it provides. Every driver would love to walk to his car and access it without fumbling for keys in his pockets. Your car will start and stop with the push of a button, and you no longer need to turn the metallic key or face an unpleasant ignition experience.

2. Style:
The key fob is a symbol of style and elegance. You don't need to take out the car keys to enter the car.

3. Security:
The keyless ignition system provides security to your car. Thieves cannot open the car and start it as you cannot do it without having the key fob with you.

What are the disadvantages of keyless ignition?

1. Chances of malfunction:
A keyless ignition system is eventually an electrical system that can sometimes fail. If your car battery dies, the system will not work, and you will get stuck.

2. Expensive to repair:
If your key fob gets lost or stops working, the service or changing the components is costly and time-consuming.

3. Risky:
The system can be risky as kids can easily switch on your car if you leave the key fob inside the car and go away, even for a minute. Moreover, there is a high risk of a person leaving the engine running and walking away when he forgets to push the "stop" switch. Your car engine will keep running until it runs out of fuel.

We cannot deny that the keyless ignition system is a fad we all love. It can be very convenient and useful if we use it carefully and keep constant track of where our key fob is. Always watch your car if you are moving out but are still in the radius. Your car's safety is your responsibility, and a car insurance policy provides us with similar safety and convenience as a keyless ignition system.

Gone are the days when you had to run behind an agent to get the car insurance policy of your wish. You need to go online, choose the best policy from a variety of available options, fill out the required details and buy car insurance policy online!

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.

Due to heavy downpours every year, the Indian roads are severely hit and damaged. The potholes and cracks make the roads less motorable, and vehicles have to find their way safely by tackling them.

Potholes are dangerous for driving during the monsoon and rainy seasons, especially for bikers. Alongside this, the extra danger of your bike's wheels slipping on roads adds to the stress of accident possibilities.

Riders must exercise extra caution for a safe ride during the monsoon season. If you drive a two-wheeler in the rain, you should keep the following points in mind.

1. Do not disregard tyre health:
Before riding a bike or scooter in the rain, remember to check the tyres. Your bike might easily skid on the road if the traction in its tyres is worn down. Therefore, change the tyre right away.

2. Attentiveness:
Riding safely in the weather largely depends on being aware of your surroundings. Keep an eye out for potholes and puddles since they can be deeper and bigger than you expected, or there might be an open manhole beneath the water. Stay away from slicks of oil on the road that can be very slippery.

3. Slow down:
Speeding your two-wheeler is strictly prohibited when it rains because it affects your ability to see through and impairs your vision. In addition to the poor vision caused by rain, driving slowly will also give you better control and allow you to brake effectively in an emergency. Your scooter or bike may skid if you apply the brakes suddenly. Potholes are frequently obscured by water and are difficult to see. Take complete judgement of the road and maintain a steady speed to get enough time to tackle the potholes without losing balance.

4. Keep a safe distance:
Keep a safe gap between your two-wheeler and other vehicles on the road, whether in front of you, behind you, or even on the sides. You run the risk of hitting other vehicles when your vision is poor.

5. Using brakes correctly:
When it's raining, it's usually preferable to use the back brake so that your bike stops gradually rather than abruptly. Avoid applying sudden brakes as it might make the vehicle behind ram into you.

6. Stay off flooded roads:
In addition to causing you to veer into potholes, water exposure can harm your scooter or bike's exhaust.

Riding gear –
Investing in good waterproof riding gear can keep you dry. Your riding gear will protect you in an accident. These gears are
● Waterproof riding jacket: Invest in a waterproof riding jacket. To ensure that other road users see you, ensure the jacket has adequate reflective stripes.
● Waterproof riding pants: Wear waterproof riding pants to protect your lower body from the water.
● Gloves: Waterproof riding gloves keep your hands safe and grip tight on the handlebar.
● Helmet: Purchase a full-face helmet with a transparent visor. Immediately replace the scratched visor. To increase visibility, apply reflective tape to the front and back of the helmet.

The water puddles well conceal potholes. The bike's rapid movement and imbalance from riding over these puddles could cause you to lose traction. No matter how skilled a rider you are, a lack of traction and visibility can significantly damage your bike and cause you injuries.

Another crucial safety measure is an insurance. It is preferred to have robust bike insurance to protect your asset from unfortunate damages and repair and maintenance costs. A bike insurance equips you to deal with any accident on the road.

Keep a safe distance from other vehicles when you are riding. Look out for potholes and avoid over speeding your bike. Always remember to accelerate gradually and brake gently to prevent any jerky movement, and never miss having bike insurance.

Click HERE to buy the best bike 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.