GENERAL INSURANCE BLOG

Mental health has been a stigmatised topic in India for many decades. While in the cases of most physical illnesses, people are willing to consult a health professional as soon as they detect a disease, they find it challenging to do so in the case of mental health issues.

This is because of the widespread false notion that if you have a mental illness, it makes you a weak person or there's something wrong with you. It is not usually as easy to detect, so it often goes untreated. However, the recent interest in individuals' overall health and well-being has increased interest in purchasing the best health insurance policy in India, which also offers coverage for mental illnesses.

Ignoring your mental well-being can have several adverse impacts. Read the full article to understand the importance of mental health consultation for complete wellness.

1. Mental health affects your physical well-being
Mental health is often seen as something completely separate from physical health. However, we need to realise that the brain is the most essential part of the body. When it gets affected, it ends up affecting the whole body. If this seems too far-fetched, consider that poor sleep and insomnia are caused most widely by stress and anxiety. So are heart palpitations. In a way, the reverse is also true. Since problems in physical health can also cause mental health issues, people with chronic or life-threatening physical illnesses should be constantly monitored for mental health issues.

Trauma, such as head injuries, is the most common example of this. In these cases, it's best to consult a mental health professional immediately and buy the best health insurance policy in India that also covers mental illnesses.

2. Early detection makes a huge difference
As with any disease, early detection makes a world of difference. Symptoms worsen with time, and like physical illnesses, treating a mental health issue is easier when the symptoms are mild. Also, chronic mental issues significantly impact patients' daily lives and make regular routine seem more daunting. It may also cause strained relationships with family, friends, and co-workers, which is undesirable. Early treatment can avoid these complications.
 

Signs you might need to consult a mental health professional

● Sluggish feelings and declining physical health
Physical health is one of the most significant mental health indicators. Depression and anxiety cause many problems in the body, including headaches, fatigue, cardiovascular problems, and muscle aches. They also affect the endocrine and immune systems, affecting physical health adversely.

● Losing interest in hobbies
Depression and other mental issues can make you feel increasingly alienated from the hobbies and activities you previously enjoyed, whether gardening, a sport, or simply socialising.

● Withdrawal from previously fulfilling relationships
Isolation is one of the prevalent methods people use to deal with declining mental health. This can take a toll on your existing relationships and cause them to deteriorate, alienating the ailing person even further. A psychologist can be very helpful in these situations, as they can reinforce social skills and help you practise making healthy relationships again.

● Adverse impact on work performance
A decrease in work performance indicates declining mental health. When you start finding work extremely hard to do and feel lethargic all the time, it is essential to consult a mental health professional immediately.

There is no shame in seeking help when you need it. Taking care of your health's physical and mental aspects is of utmost importance. While consultations can help as a preventive measure, buying the best health insurance policy in India is an excellent way to protect yourself from rising medical costs.

Click HERE to know more about the best health insurance policy 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.

Driving is a task that entrusts the driver with the responsibility of passengers, pedestrians, and vehicles in their hands. This overwhelms most drivers, especially beginners learning how to drive.

In the beginning, when you take your grown-up child for driving lessons, you may find them nervous and frightened. This fear makes them attempt fundamental mistakes, like applying brakes while keeping their feet on the accelerator. You may get frustrated and scold your child for such silly mistakes. However, your actions can result in a loss of confidence and develop a greater fear of driving. Thus, it would be best if you become supportive of your child.

Making your child follow the traffic rules and scolding them to drive slowly will not make them great drivers. It would help if you built some qualities within yourself for your child to learn to drive. In addition to it, ensure that you buy new car insurance as a preventive measure.

Follow these tips to be a supportive instructor and a cheerleader by their side!

1. Make them drive
Your child wants freedom, primarily because they ask for a licence. You can make your child drive the vehicle during an outing at safer locations, especially in the daytime. Or you can make them your co-driver, so they get some experience. Moreover, encourage them to look at the mirrors and the incoming traffic and read the signs on the boards. It will enhance your child's understanding of driving.

2. Stay patient and calm
To teach your child to drive, you need to develop patience. Your child may get nervous while learning to drive, and shouting could worsen their practice. So, staying at ease and unstressed will make their learning experience enjoyable. Further, try to avoid conflict situations and take them to learn to drive when you are in a good mood. While you may get irritated with their learning practices, keep calm, and avoid disagreements.

3. Take the learner driver's insurance
Though you may have been driving for many years, ensure you abide by traffic rules before giving vehicles to your child. You are responsible for ensuring you have insurance covering your teenager's learning. Mistakes can happen at any time while your child is learning to drive. So, it is better to have insurance covering all mishappenings costs.

4. Become their mentor driver
Children often copy the driving habits of their parents. These include talking on the phone or drinking coffee while driving. Your children see you and will hold you accountable for such habits later in life. It will help if you become a role model for them in driving. They stay focused and try to avoid doing other things while driving. Therefore, developing such practices within you will be helpful for your kids.

5. Check that your child is prepared to learn
Even if your child has crossed the legal driving age, it doesn't mean they are ready to drive. Acknowledge your child's maturity and help them to handle pressure situations gradually. Also, assess the thinking and acting capacity to react to rough possibilities. Further, ensure your child is emotionally ready to take control of a vehicle at a certain speed. It will enhance your child's learning experience and show their willingness to learn.

Your child needs your maximum support when they learn anything. Driving is one of the most important activities your child should do calmly. Also, while teaching your child traffic rules and signs, ensure that you follow them correctly. Always buy new car insurance before your child starts learning to drive. It will ensure stress-free learning and make your child a great driver.

Click HERE to buy new car insurance policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

When your headlights give you a difficult time by going off, the instant reaction is to contact a mechanic. And why would you not? A broken headlight makes it feel like you are driving with one eye closed, causing night drives riskier. Also, what if a vigilant police officer stops you on the road? That generally means heavy fines, especially if a few things are wonky in your car. Additionally, the car now looks way less sleek than before. However, going to the mechanic proves to be costly and time-taking, which makes you delay the job unless there is a looming fine.

A one-stop solution to all these problems is just fixing the headlight yourself. This surprisingly easy task takes a few minutes to accomplish. It could be a fun DIY project which you undertake this season! This blog gives you the basics of replacing your car headlights at home!

Tool list: You might need the following tools to fix the headlights, so keep them handy: Screwdriver set, socket set, pliers.

Safety first!
There's nothing more important than your safety. Wear gloves and goggles to protect yourself, as you might have to reach some tight spots. Additionally, you'll hold sensitive bulbs throughout the process, which warrants protection.

Caution!
As a precautionary method to ward off DIY enthusiasts, most car insurance companies do not allow significant self-modifications to the vehicle's interiors or exteriors. While checking new car insurance rates, read the policy fine print to check if it permits such changes.

Step-by-step process on how to replace your car's headlights:

1. Check your owner's manual
This is to get specific instructions on replacing your vehicle's headlights and what kind of bulbs you should get (HID or LED). The general instructions are similar, but you may need specific tweaks to suit your car.

2. Power the car down
Turn off your car, let it cool, and park it in a clean area on your driveway.

3. Access the bulbs
This may be a tricky step. Sometimes, you may need to remove the battery to access the bulbs better. Or, you can pop the hood and locate the headlight holder near the front of the car.

4. Detach the headlight connector and disconnect the bulb
The base of the lightbulb is connected by three wires. Disconnect the plug that supplies power to it. Once you open the headlight, changing the bulb is child's play. However, be careful while unlocking the locked bulb out of its place. Try not to break the clips used in locking the bulb, as those are not easily fixable.

5. Screw the new light bulb in
Wearing gloves, carefully screw the new bulb without touching the glass of the bulb, as it may burst. Close the hood of your car, and the job is done! If one headlight is off, it's almost certain the other will go off in a few weeks. So, when replacing one, take some time and replace the other one too.

Headlights going off is a common problem. While it is usually from old age, there can be other reasons, such as extreme heat or cold, which affects the bulb's filament, causing it to go off. It can also be due to oxidation, common in modern-day halogen bulbs. Unfortunately, you might have to replace the whole headlight, not just the bulbs. In this case, taking the vehicle to a mechanic is best, as meddling with it too much might do more harm than good. To make this more pocket friendly, research new car insurance rates that also undertake your car's repair and maintenance costs.

Click HERE to know more about new car insurance rates.

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.

Have you ever entered into a tenancy contract? If so, have you ever considered the importance of home insurance? Many tenants overlook the need for home insurance India, assuming it is the landlord's responsibility to provide insurance coverage. However, this is only sometimes the case.

In this blog, we will explore why tenants need home insurance India and why it is an insurance policy you must purchase.

Why must tenants purchase home insurance India?
Firstly, let's understand what home insurance is. Home insurance protects your home and belongings against damage or loss due to unforeseen events such as fire, theft, natural disasters, or accidents. A typical home insurance policy covers the building structure, contents of the home, and personal liability. It is important to note that a landlord's insurance policy usually only protects the building structure, not the tenant's belongings or personal liability.

Benefits of having home insurance.
Now, let's consider the benefits of having home insurance as a tenant. Imagine you are renting an apartment, and a fire breaks out, destroying all your personal belongings. Without home insurance, you would be responsible for replacing all your lost items, which can be a significant financial burden. However, you can file a claim and receive compensation for your losses with home insurance. Home insurance can provide peace of mind, knowing you are protected from unforeseen events.

Moreover, home insurance India can also provide coverage for personal liability. For example, if a visitor is injured in your home due to your negligence, you may be held legally responsible for their medical expenses and other damages. In such a scenario, home insurance can protect you from financial liability by covering the costs of any legal claims against you.

Choosing the right home insurance policy.
You may be wondering about the cost of home insurance India. The cost can vary depending on the coverage you choose, the value of your belongings, and the location of your home. However, compared to the potential financial losses you may face in the case of unforeseen events, home insurance is relatively affordable.

Now that we have established the importance of home insurance for tenants, let's discuss the home insurance policies available in India.

Two home insurance policies are available: building insurance and contents insurance. Building insurance covers the structure of the building, including the walls, roof, and fixtures. Contents insurance, on the other hand, covers the tenant's personal belongings, such as furniture, appliances, and clothing.

It is important to note that while building insurance is usually the landlord's responsibility, contents insurance is the tenant's responsibility. Therefore, as a tenant, it is essential to purchase contents insurance to protect your personal belongings against damage or loss due to unforeseen events. You should research thoroughly before buying insurance. Know what can suit your requirements the best and invest in a plan that ensures the total security of your assets.

Investing in home insurance.
Home insurance India is an essential investment that can save you from financial losses due to unforeseen events. Protecting your home and personal belongings is crucial with the rise in natural calamities, theft, and other unexpected events. While some tenants may assume that their landlord's insurance policy will provide adequate coverage, this is only sometimes true.

In conclusion, home insurance is a necessity for every tenant. Home insurance India can protect against unforeseen events like fire, theft, natural disasters, or accidents. It can also provide coverage for personal liability, saving tenants from financial liability in case of any legal claims against them. As a tenant, purchasing insurance to protect your personal belongings against damage or loss due to unforeseen events is essential.

Click HERE to buy home insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Unfortunate events are a constant risk that one must always be prepared for. While you may have an optimistic view of the future, the financial implications of a mishap are always too heavy to burden. Online general insurance is a financial product that comes in the clutch in such uncertainties to protect policyholders after paying a comparatively meagre premium. With the demand for insurance growing daily, the insurance sector constantly evolves to provide better services, more values, stringent regulations, and preventive mechanisms to tackle fraud.

Initially sold as a safety mechanism, online general insurance policies are now seen as more than they offer at face value. They are seen as investments, tax-saving opportunities, and more. However, some policyholders try to take advantage of loopholes in the policy wording to derive the most significant benefit by defrauding insurance companies by resorting to means like improper disclosure of facts, misrepresentation, etc.

With the recent wave of digitisation, the insurance regulatory authorities are setting their foot down and laying the framework for a transparent and non-conducive ecosystem for insurance fraud.

The issue.
Over the years, the insurance sector has seen an extreme change, from witnessing the risk-averse masses to offering facilitative services like online general insurance that are convenient for consumers with the benefits of additional features.

However, over time, the scope of the policies is being misinterpreted, leading policyholders to purchase multiple covers to increase their net insured sum payout. This has been noticed especially in the case of online general insurance, where various policies from multiple insurers are purchased to enhance the total payout.

The primary concern in such a situation is that each asset has a fixed value determined by careful expert assessment and evaluation. After risk evaluation, the premium, coverage extent, etc., are decided. Policyholders purchase multiple policies to override this constraint on the payout and often do not disclose the same to the existing insurer.

Another reason that caused the lack of complete data availability with insurers is the intense and duplicate paperwork. Customers used to skip several essential fields due to redundant questions and excessive effort.

The solution.
During times of heavy dependency on paperwork, it was difficult for insurers to identify such cases until the point of raising a claim. However, with technological advancements and the onset of the digital era, the insurance sector is not left behind in upgrading its ecosystem to tackle such concerns.

The account aggregator system, which is now applicable for all non-banking financial companies, data sharing concerning customers' investments and savings is set to transform the information availability for insurance providers.

The account aggregator system will make all relevant data available to authorised bodies electronically. The use of e-insurance accounts (e-IA) will only facilitate the process. While the e-IA, a digital portfolio of insurance policies held by an individual, is for the policyholder's benefit, the aggregator system makes all the necessary data accessible in a few simple clicks to prevent over-insurance, fact-check disclosures, and reduce paperwork.

The concerns.
Anywhere that data sharing takes place is seen as a significant concern due to the constant risk of data leaks, especially when dealing with such confidential information. However, the RBI has already announced and laid the foundation for an institution to take care of data collection and protection to assure policyholders and protect their interests.

As we progress technologically, we will be in a better position to respond to the dynamic demand across various sectors, of which insurance is one. Policyholders must take extra caution while evaluating and purchasing online general insurance policies to ensure their safety and comply with the relevant regulations.

Click HERE to buy 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.

Renting a house is a time taking process. If not handled correctly, it can become a significant headache. Tenant misuse of the property or refusal to leave, late rent and maintenance fee payments, and hunting for new tenants are some issues you may encounter when renting out your home. As a precaution, homeowners may get landlord insurance, specialised home insurance to protect themselves against potential financial losses that may arise from tenancy contracts.

You can safeguard yourself, your rental business, and property as a landlord by being aware of your rights and responsibilities under the law.

1. Written agreement:
For the law to protect the interests of both tenants and owners, a written agreement is crucial to facilitate a smooth transaction. The agreement must be written up in legalese and signed by both parties. The copies are given to the tenant, and the owner retains the original. Tenants shall be compelled to pay rent once the owner delivers a copy of this agreement to tenants.

2. No discrimination:
Ensure you adhere to the Rent Control Act while marketing your property, selecting new tenants, or setting apartment rules. Any acts or policies must be fair to everyone and cannot be perceived as marginalising certain people but not others.

3. A tenant's eviction:
A landlord can only evict a tenant by providing advance notice and a clear explanation. Typically, the notice period lasts between 15 days and two months. The landlord is entitled to receive equal to twice the monthly rent if the tenants do not leave the property within the allotted time.

4. Access to landlord:
Once the lease is signed, the apartment becomes the tenant's property, and the landowner is prohibited from entering without their consent. The tenant may file a lawsuit against the landlord if he does this. He must give advance notice regarding apartment inspections, repairs, or improvements.

5. Property's maintenance:
Apart from normal wear and tear, unless the agreement states otherwise, the upkeep of the property is the joint responsibility of both parties. If the owner refuses to pay for the repairs, the amount can be withdrawn from the periodic rent. If the tenants refuse to pay for the repairs, the amount can be subtracted from their security deposit.

6. Restriction on rent increases:
In violation of the contract's provisions, the landlord cannot raise the rent. If it is specified in the agreement, there is a cap on how much he can raise the rent.

7. Necessary supplies:
Tenants have a fundamental right to amenities such as water, power, parking, communication links, sanitary services, etc. Even in the event of non-payment of fees, neither the renters nor the owners may stop providing these services. The local rent authority may step in, launch an investigation, impose penalties on the parties involved, and compensate others.

8. Security deposit:
Tenants are entitled to their security deposit reimbursement within one month of vacating the property. Before reimbursing the money, owners can subtract the responsible amount. A security deposit exceeding three times the rent cost is illegal to demand.

9. Payable rent:
The landowner and the tenant must agree on the amount of rent due as specified in the written lease agreement in the case of a new tenancy. The landlord must provide the tenants with three months' notice if the rent is about to change. The overall worth of the building, which includes the market value of some of the land, the cost of construction, and the importance of amenities, is typically used to calculate the chargeable rent.

Sometimes, the landlord and tenant have a verbal understanding, but it's preferable to document everything. A formal agreement must contain all the specifics so that both parties know their legal obligations. If the tenant under your lease agreement fails, your home insurance for landlords will cover the loss of rent. Always review the prevailing regulations and consult a lawyer knowledgeable in landlord-tenant legislation.

Click HERE to buy the best home 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.

Your car's aesthetics are important to public perception of its value. The first thing that everyone notices about a vehicle is its glossy, shining exterior. For an asset that doubles as a symbol of wealth, it is essential to check car insurance price in India to protect your vehicle against accidents and ensure the upkeep of its exterior appeal.

We all wish to protect our car's fresh paint job at any cost. Most of us believe that dents are the primary cause that ruins them. However, it is not so. Let us look at the factors other than dents that can ruin your car's fresh paint job.

1. Dust:
Dust is a major enemy of your car's fresh paint job. It may contain high iron that causes rusty discolouration and corrosion to the car's paint. Do not rub the dust settled on your car body with your hands or a dry cloth. It may damage the paint and cause scratches. Always wash off the dust with water and soap, and get your car paint waxed to protect it from external damage.

2. Fuel spills:
Often, fuel spills on the car paint while refuelling the car at a petrol pump. This causes permanent damage to its paint. The damage is usually more when the painted panel is not from the factory and has been repainted. Avoid filling your car tank to the brim, so fuel does not drip out. Even if it does, immediately clean it with a soft cloth, so it does not form a permanent stain around your fuel inlet and damage your car paint.

3. Stickers:
Big attractive stickers are available in the market to make your car look fancy and trendy from the sides, front bonnet, or rear. But have you wondered how they will impact your car paint when you remove them? Do not put stickers on your car's exterior, especially if it has returned from a fresh paint job. They have strong adhesives on them and will ruin your car's paint when taken off forcefully. Worse, they may start peeling off by themselves in bits and parts and make your car exterior look ugly.

4. Car covers:
Car covers are made to protect your car's exterior and paint, right? Surprisingly, even they can damage your car's fresh paint job. Car covers made of thick fabric or non-breathable material trap moisture inside them. They can cause rust formation from oxidation in the long run and damage your car's body and paint. Also, a car cover made of thick fabric can cause scratches and ruin your car's new paint job after coming in contact with the dust on your car's exterior.

5. Excessive sun:
Exposure to too much sun also ruins your car's fresh paint job. Excess sun exposure deteriorates the paint quality and starts fading and cracking after a while.

6. Tree branches and road debris:
If you park your car under a tree regularly, broken twigs and branches might damage your paint job. They can cause unwanted scratches and cause the paint to crack too. Road debris can have a similar effect on your car's paint. If you regularly drive through broken roads full of rubble and potholes, there is a high chance that they will clash against the sides of your car and ruin the paint.

Besides protecting your car's paint from external damages, buy car insurance that will provide financial assistance in case of accidents, damages, malfunctioning, or theft. Evaluate car insurance price in India from various companies, and choose the policy that provides you with the best protection at the most reasonable prices.

Click HERE to check car insurance price 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.

Pedestrians have the right to cross the street without being restricted. Unfortunately, the road can throw various challenges knowing the road conditions and the reckless habits of drivers. It is imperative to prevent pedestrian accidents because they can cause serious injuries or even death. We'll review some essential advice in this blog to keep you safe on the road and prevent pedestrian accidents.

So, pedestrians, these tips can prevent you from getting into accidents. Let's get started.

1. Should use pedestrian crossings strictly:
There are places on the road called pedestrian crossings where people can safely cross. Using these crossings is crucial since they are frequently marked with zebra stripes, which make it obvious to drivers that pedestrians have the right of way. Before going into the crosswalk and crossing the road, look on both sides. Even though you have the privilege, it's best to be cautious and hold back until approaching cars have stopped before crossing the street.

2. You must be visible from a distance:
When it comes to the safety of pedestrians, visibility is crucial. When it's dark or there is little light, wearing bright or reflective clothing can assist vehicles in seeing you from a distance. Carry a flashlight or use the flashlight function on your smartphone to boost your visibility while strolling in an area without streetlights. You can lessen the likelihood that a car won't see you and could cause an accident by being visible.

3. Eliminate every distraction:
It's crucial to remain vigilant and aware of your surroundings when walking. Steer clear of walking while texting, listening to music, or using your phone. These pursuits may divert your focus, making it difficult to see possible dangers like approaching traffic, potholes, or uneven surfaces. Step to the side of the road if you need to make a call or send a text to avoid obstructing other pedestrians or creating a safety concern.

4. Keep track of turning vehicles:
Pedestrians can be seriously endangered by turning vehicles, particularly if the driver doesn't see them. Always watch for cars pulling into driveways or crossroads, and make eye contact with the driver before crossing in front of them. Also, it's a good idea to listen for any engine noises or vehicle signs, such as horns or reverse alarms.

5. Be watchful about the traffic:
Always stroll traffic-facing if you're on the road without a sidewalk. This allows you to see approaching cars and, if necessary, move out of the way. When you walk with your back to the road, it can be more difficult for vehicles to notice you, which raises the possibility of an accident.

6. Observe traffic signs and abide by the rules:
The purpose of traffic signals is to control the movement of automobiles and pedestrians on the road. When crossing the street, always heed the traffic signals, especially pedestrian signals. Even if there are no oncoming vehicles, avoid attempting to cross the road when the pedestrian light is red. You risk putting yourself in danger by disobeying the signal since other drivers may be turning or speeding.

7. While around large vehicles, exercise caution:
Oversized vehicles with poor visibility, such as trucks, buses, and trailers, make it more difficult for drivers to see pedestrians. Always use caution when navigating these vehicles and avoid wandering in or near their blind areas. Make eye contact with a bus or truck driver before crossing in front of them if you're walking close to one.

8. Keep an eye on the weather:
Rain, snow, or fog can impair visibility and make it riskier for pedestrians to cross the street. It's crucial to take extra precautions during bad weather, such as wearing reflective clothes or an umbrella to improve visibility.

In conclusion, the safety of pedestrians should never be taken for granted. Pedestrians can significantly lower their risk of getting injured in an accident by heeding the straightforward advice provided in this blog. And for unprecedented circumstances, you must purchase the best personal accident insurance India to safeguard yourself and your family against any life-threatening mishaps.

Click HERE to learn the benefits of purchasing personal accident 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.

We all have experienced planning a vacation with our family or friends, checking the travel fares and hotel rates, and making a budget for our trip. However, a harsh shock awaits us when we try to book the flight, train, or hotel room close to our departure date. Last-minute bookings cost us extra, and we may not even get our preferred travel and stay options.

Last-minute holiday planning is almost always upsetting. Here, it would help if you also acknowledged the pinch of delaying purchasing personal accident insurance online only after the occurrence of a mishap.

Read on to know more about the benefits of budgeting for your travel plans in advance:

1. Soaring rates:
Airlines hike their flight rates closer to departure dates. Nowadays, train ticket rates are also priced on a flexi-fare system and get pricier as the travel date comes closer. Hotels also increase their tariff when demand rises. Therefore, the later you book, the higher you will have to pay for the same room.

2. Great deals and discounts:
Travel companies and websites offer great deals and discounts for early travel bookings. You get discounts on travel services, accommodation, rental cars, etc. Additionally, keep track of special deals and discounts that travel websites occasionally provide during festivals, special occasions, or off-season periods. Some companies also offer extra discounts for paying through a specific credit or debit card.

3. Planning for expenditure:
Budgeting your travel plans in advance can also help you save for your dream trip and be ready for it when you plan to go. Prepare a list of all the possible expenditures you may incur during travel. Make the possible reservations in advance so your travel expenditure is split up in parts and does not burden you in one go.
Proper budgeting of your expenditure will take away the stress from the process. You can streamline your payment and start saving more for your trip. You will not feel the burden of your travel expenses when you eventually go and will enjoy your trip with a free mind.

4. Extra time for research:
Every holiday destination has many options concerning the places to visit, travel modes, accommodation, sightseeing, etc. When you plan your trip in advance, you can thoroughly research the possible activities you can do there and find out the best rates for them.

5. Holiday rush:
Rates for travel, accommodation and other allied services shoot up during peak season and may pinch you hard. Make your travel plan well in advance and get confirmed reservations, along with saving a lot of your hard-earned money.

Travelling is a shared passion amongst a majority across the globe. However, it is by no means an inexpensive hobby to engage in. Always budget your travel plans in advance and prevent feeling a pinch in your wallet.

Similarly, Never compromise your safety behind the fun of going on a trip. With personal accident insurance online, you can avoid incurring financial upsets when you meet with an accident. Accidents don’t come announced and can cause heavy financial damage in the long run. Browse several personal accident insurance online, evaluate their pros and cons, and choose the most comprehensive coverage policy. Take all the necessary precautions and ensure that you have a safe holiday.

Click HERE to buy personal accident 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.

Managing one's finances and accumulating wealth are essential activities that one must learn right from childhood. However, since most parents do not talk much about finances with their children, young adults grow up without knowing much about critical financial decisions like how to buy general insurance online, investing fundamentals, savings, etc.

Investing is an ideal way to grow one's wealth. The drastic price dip and sheer boredom during the pandemic introduced new investors into the stock market. However, you should avoid those rookie mistakes that most investors make with their money. This blog presents some common financial blunders you should consider before investing.

1. Constantly consuming media about the market:
It is very tempting to watch news channels that offer trading advice 24*7. These channels give what seems like certain information, but it is not advisable to take advice straight from them as they have no idea about your financial situation. Additionally, when this information has been made public, it has already been factored into market pricing, and listening to them becomes futile. Seasoned experts in the market take their information from several independent sources and then derive their conclusions.

2. Being unclear about your investment goals:
Make sure you are clear about the direction of your investing journey. After having a separate savings account that serves as your backup in case something goes wrong, the rest of the money is safe to invest. A common mistake most individuals make when investing is to expect high returns as the end goal. While making money is important, you should balance it with the amount of risk you're willing to take, and that should be determined by looking over your other financial goals.

3. Too high expectations and a lack of patience:
Investments can be of two kinds, short and long-term investments. While short-term investments provide greater returns, they are riskier. Give long-term investments adequate time to maximise your returns. Bailing out before an asset has matured because of fear is one of the most common mistakes you should avoid.

4. Inadequate diversification:
Don't put all your eggs in one basket, even if it seems like the safest basket in the world. Often, investors make the mistake of putting all their money into one investment they believe will be secure for quick returns. This may be disastrous if the market moves another way. Diversify your portfolio to get consistent returns. Ensure you diligently research various asset classes and associated risk levels to identify the best returns at your risk appetite.

5. Letting emotions get in the way of your investments:
Too often, investors will fall in love with a particular company due to its value proposition or its past performance. However, it is essential to understand that the stock is only here to make you money. So, when the company's fundamentals no longer align with your interests, consider selling the stock.
Fear and greed are the greatest adversaries of an investor. They should not come in the way of your financial decisions. Market returns vary significantly in the short term but are generally predictable in the long run. To be more tension free, buy general insurance online after adequate research.

Investing sooner than later is one of the best decisions you can make. This gives you time to learn how the market functions. Most people fail to enter the stock market because they believe they don't possess the basic knowledge it requires. But this is a skill learned on the job. Start by investing significantly less money and increase it as your confidence increases. Happy investing!

Click HERE to buy general 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.

Owning a car entails a considerable amount of responsibilities. You must take care of it adequately to maintain its functionality for long periods. Before you start driving, you must know how to keep it properly and prevent any breakdown. From knowing how to drive to changing your wheel if it gets punctured to checking all the fluid levels, there's plenty to learn and explore.

Additionally, you may also require expertise in jump-starting your car. Jump-starting your car is a viable alternative to starting your vehicle when using a key doesn't do the trick. You must know how the battery functions and why and when you should jump-start. If you do not learn the basics, you can cause severe damage to the car.

There may be several instances when you may presume the need to jump-start. However, to avoid damage, you must know when your vehicle needs a jump start and when it does not. This way, you can deal with your car better and more efficiently. Regardless, you should always buy the best car insurance in India to protect your vehicle against all damages.

This article will list all the possible reasons your car needs a jump start. They are –

1. Low battery:
Being low on battery is one of the biggest reasons for jump-starting your car. You'll probably need to jump-start your car if you have a low or dead battery. It is because your car would not start on its own. This may also arise if the battery needs to be heated up more. You'll experience this more often during cold weather. Batteries can give up due to old age as well.

2. Malfunction of starter:
If there is no problem with your battery, we move on to the starter. The starter may be dysfunctional. It can either be contaminated or extremely old. It can also malfunction due to corrosion. The best way is to check for weird noise that the starter might make. Often even jump starting does not ignite the car's engine if the starter is broken.

3. Bad spark plugs:
The ignition system has a built-in system of intricate parts that keeps it going. If one of them malfunctions, the car may not start. Apart from the starter, the spark plug is also included in the ignition system. It can malfunction due to clogging or contamination due to oil leaks. This can prevent the car from starting, and it may most certainly need a jump start.

4. Clogged or contaminated fuel lines:
Sometimes the problem is not with the ignition system or even the battery. In such a case, the problem lies in the fuel lines. If they are frozen or clogged, the fuel may not rush smoothly to the engine. This can disrupt the smooth start of the vehicle. It can be solved by jump-starting, but it will start creating problems again. Your car may stop in the middle of the road if it is not resolved soon. Jump-starting is not the permanent solution here.

Jump-starting a car is a practical way to rescue you from an emergency and help you reach the service centre or garage. However, it is not a permanent solution to fix the delay in running your vehicle. If you wish to have a smooth experience with your car, practise the preventive maintenance tips provided by the manufacturer.

Additionally, you must purchase the best car insurance in India that offers comprehensive protection against all maintenance and accident-allied costs. Car insurance can benefit you when your car demands high repair costs or, in the worst case, a total loss due to extensive damage.

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.

Driving is an activity that requires extreme carefulness, responsibility, and special attention at all times. One tiny mistake can lead to significant damage to a person and property. Road accidents are frightening and can even prove to be fatal. Hence, being on your best behaviour when driving is recommended.

However, accidents while driving can take place due to a variety of reasons. One of them is the disturbance from your outer surroundings. This can also include the distractions that your passenger may create. It may induce driving concerns and cause road accidents or violations of road safety rules.

Apart from the driver, the passengers must also be highly responsible and dutiful while the car is in motion. They can play an essential role in maintaining peace inside the vehicle. If you're a co-passenger and want to contribute to the vehicle's safety, here are a few ways. Regardless, you should have private car insurance in India to protect yourself and your vehicle.

Let's discuss here how you can support your driver by being a responsible co-passenger.

1. Be attentive:
If your driver is getting distracted by texting or calling on the phone, call them out on their behaviour. It can be dangerous even if they talk with the passengers in the back seat. You must stay attentive to such situations and speak up whenever necessary. Politely request them to focus on the road.

2. Don't draw attention:
You can help your driver focus by not distracting them by any means. You should not talk to them unnecessarily or argue with them in the car. Emotional responses can distract the driver. Moreover, you should refrain from clicking pictures or showing them things on your cell phone. You should lay low and avoid all these activities.

3. Be careful of your surroundings:
You can easily be the co-driver for your driver by being extra cautious on the road. You can help them navigate busy streets by being their additional set of eyes. You can also help them read road signs, point out intersections, or alert them about possible hindrances they may fail to see.

4. Put on good music:
Good music can make the atmosphere inside your vehicle cheerful, serene, and lively. It can calm the nerves of your driver and help them focus better on the road. You should take control of the music in the car. You can put some of the driver's favourite tracks in a playlist on shuffle. This way, they need not constantly touch or operate the music system.

5. Keep quiet:
Small talk with the driver is alright, but you should refrain from having a full-fledged conversation that can distract the driver. You should not shout, yell, or sing loudly in the car. All these can make your driver lose focus completely. You should pause the music or stop talking when a congested road is approaching.

6. Stay out of sight:
You need to lay low and stop obstructing the view of your driver while driving. You should not physically block the driver from seeing the road well. They should also be able to see outside the windows. Apart from that, you should always be an adjusting and supportive co-passenger.

These are just some tips and tricks that you can use to be a good passenger inside the vehicle. It can lead to lesser accidents and mistakes on the road. A car journey becomes enjoyable and safe when the driver and co-passengers have a good understanding and coordination. The more focused the driver is, the better. Don't forget to buy private car insurance India and safeguard your finances against loss due to accidental damages to your car.

Click HERE to buy private 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.

Even though the Indian insurance market has been expanding quickly in recent years, just about 3% of Indians currently have life insurance. Increasing the base of policyholders is essential to ensure that more people are sheltered from financial shocks. Although technology has been suggested as the answer to this issue, it may not be the most effective strategy to increase the number of Indian policyholders. This blog will discuss how tech may not be the best solution to expand the Indian policyholder base. So, without any further delay, let's get started.

1. Accessibility is still an issue:
As it is frequently out of range for significant portions of the population, technology may not be the most incredible way to increase the number of Indian policyholders. Despite India's tremendous internet expansion, many residents of rural areas still need access to smartphones and the internet.
The most successful way to communicate with these people is still through conventional media like newspapers, radio, and television. There is a substantial digital divide between tech adepts and those who are not. For instance, older individuals may need help navigating online insurance platforms, and individuals who do not speak English well may need help understanding the language used in many online insurance policies.

2. Price is one of the primary reasons:
Technology can be expensive to develop and maintain, which is another reason why there might be better ways to increase the number of policyholders. For smaller insurance companies, it might be too expensive to spend on technology, software development, and cybersecurity to build and manage online insurance platforms.
Insurance companies might also need to engage specialised personnel to operate the platforms, raising expenses even more. When costs like these are eventually passed on to customers through higher premiums, insurance becomes less affordable and less available to those who need it.

3. Lack of trust and belief in the insurance providers:
Additionally, there may be better uses of technology than fostering public confidence in insurance. Many individuals in India continue to be cautious of insurance companies and doubt their motives. This distrust is frequently based on prior instances where insurance companies have allegedly broken their commitments or failed to live up to their pledges. Personal interactions, open communication, and moral conduct are necessary for fostering trust and confidence in the insurance industry. Technology can undoubtedly make some of these encounters easier, but it cannot replace the value of human interaction, especially when fostering trust.

4. Absence of proper awareness and information:
Since technology tends to overlook the significance of insurance education, there might be better answers. Educating the public about the advantages and importance of life insurance is essential to increase the number of policyholders. Understanding the many insurance policy types, the coverage they provide, and how to pick the one that best suits their needs can all be achieved with insurance education.
The value of in-person interactions with trained insurance agents who can answer questions, offer guidance and help people choose the best policy cannot be replaced by technology, even though it can help deliver this education through online tutorials, webinars, and other digital resources.

What could be some probable solutions to this issue?

Policymakers may concentrate on enhancing life insurance education and awareness initiatives, particularly in rural areas. Offering financial incentives to those who buy insurance policies, including tax savings, may encourage people to enrol in insurance. Insurance companies may also consider partnering with banks, post offices, or non-governmental groups to reach a larger audience as an additional distribution channel.

We hope this blog provides insights into this issue and how insurance companies can grow their consumer base. While we are on the topic, it only seems like a brilliant idea to talk about how you need to get insurance from the best general insurance company which caters to its customers' needs optimally and is available 24*7 to assist them with their queries, therefore, helping them arrive at a decision.

Click HERE to learn more about how you can choose the best general insurance company 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.

In a world of uncertainties, a financial product like insurance is no short of an overlooked superhero that always comes in clutch and saves the day. Be it your home, vehicle, health, or business, general insurance India protects various assets essential for your life's unaffected functioning.

While the penetration rate of general insurance India only slightly lags behind the global average, it is a fact that can only be celebrated in isolation. Policyholders also need to periodically assess their situation to determine whether their policy provides adequate coverage in terms of insured sum and coverage benefits instead of sticking to the same policy to skimp on premium.

It is necessary to upgrade your policy as your financial situation changes, which is a game of balancing your assets and liabilities. Liabilities refer to events that certainly result in monetary outflow in the present or the future.

If you notice an increase in your liabilities or anticipate the same in the upcoming future, here’s why you should consider increasing your insurance coverage.

1. Inflation:
The cost of living only increases by the day. The official figures released by authorities are usually conservative. Still, upon careful research, one can identify that understated inflation exists in every industry and is only set to grow over time. While some rising costs are necessary to fuel economic growth, consumers ultimately feel the pinch on their finances.
Any assets you may have purchased are bound to depreciate over time and lose value, while any loans compound into more significant outflows, resulting in an imbalance of finances. Consider availing of general insurance India plans to protect your assets and yourself from defaulting on existing liabilities.

2. Diminishing earning power:
Over time, an individual's earning capacity inevitably stagnates, if not reduces. While strategic investments may compound your wealth over time, the lack of a continuous flow of income may put you in a challenging financial position. As liabilities continue to increase, a simultaneous addition in terms of revenue is essential.

3. Dependents’ financial stability:
Like numerous other vital issues, your primary well-being directly impacts that of your dependents, especially if you're the sole breadwinner of your family. Whether uncertainties come your way in the form of accidents, health issues, disabilities, or unforeseen calamities, it is always best to increase your policy’s insured sum after a careful risk assessment. Always take stock of such a situation and purchase general insurance India to protect your assets and finances. This way, you can minimise the financial impact of the event on your dependents.

4. Increased number of dependents:
If the number of dependents on you has grown recently, it is time to evaluate your policies’ insured sums. Irrespective of the kind of insurance, except those relating to tangible assets, ensure that you carefully assess various plans under general insurance India. This is essential to identify the best policy that provides adequate coverage and perks for your extended family.

5. Increased personal liabilities:
If you are taking more significant debt to fulfil any financial goals, consider increasing the sum offered by the insurer on the related asset. This may be in the form of education loan insurance, home or motor vehicle loan insurance, etc. It also applies to health insurance by upgrading your policy to a more comprehensive policy after accurate medical diagnosis and detection of significant health risks.

Through careful assessment of the situation and risk analysis, potential policyholders can purchase the best plans under general insurance India and derive the most significant value for their investment, whether their liabilities stay stable, diminish or increase!

Click HERE to buy the best general insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Travelling is one of the best ways to escape life's mundane realities and find peace in a distant land. It is excellent for your physical health and helps detoxify your mind. It also allows you to spend quality time with your loved ones. A vacation should be undertaken at least once a year to provide much-needed calm in the chaos and feel at ease with yourself.

In a country like India, there are various places that you can explore solo or with your partner or family members. They are diverse, serene, magnificent, and rare. There are a few enticing locations you will not find anywhere in the world. Eco-tourism is one such unique activity that has gained high momentum post Covid-19. India has been a hub for eco-tourism for the past few decades now. There's something for all, from the scintillating Himalayas to the backwaters in Kerala.

We have you covered if you're looking for exciting eco-tourism destinations for a refreshing vacation! However, remember to purchase your general insurance policy to protect yourself against any contingencies before embarking on your journey.

Here's our curated list of the best eco-tourism destinations.

1. Kerala backwaters:
Take a Kettuvallam, the local term for a houseboat, and embark on a journey of a lifetime among lush green surroundings. The backwaters of Kerala have their charm and character. The green cover all around soothes your eyes and soul. You can also stay overnight on these boats and enjoy a perfect water vacation amidst the natural surroundings of green trees, picturesque views, and gentle kisses of fresh air.

2. The green valley of Munnar:
This list is incomplete without the inclusion of Munnar in Kerala. Present at an elevation of 1,700 metres, Munnar is lined by lush green tea plantations and varied flora on all sides. The vast green stretches of land are a sight to behold. It is also home to various rare species of flora and fauna that are on the verge of extinction. You will only see vast stretches of cascading greenlands everywhere you look with the blue hues of the skies.

3. Galgibaga Beach, Goa:
Located in Goa, Galgibaga Beach is famous for the turtle nesting that takes place every year. It is one of the underrated beaches in Goa that is rarely visited by tourists all year round. This allows you to explore the golden white sands lined with palm trees away from the chaos of popular tourist destinations. It is serene, peaceful, and perfect for a vacation. You can also spot Olive Ridley Turtles during the winter here!

4. Kaziranga National Park, Assam:
Spread over a wide area of 430 square kilometres; the Kaziranga National Park is a world heritage site. It is home to many rare species of animals, birds, and insects. You can explore the wilderness by taking a jungle safari. It is a prominent place to spot species like Hornbills, vultures, hispid hares, jackals, and more.

5. Sundarbans National Park, West Bengal:
Sprawling over 1,330 square kilometres, the Sundarbans are the largest mangrove forest in the world. The Royal Bengal Tigers live here in utmost peace. You can catch glimpses of their natural habitat by visiting here. You can also witness some geographical marvels here and indulge in a conversation with the local and traditional honey collectors of the Sundarbans.

Eco-tourism is slowly becoming a must-activity for mainstream travellers in recent times. More and more people are visiting these tourist places for leisure and staying close to nature. However, we recommend purchasing adequate general insurance to protect yourself from mishaps before setting on your journey in the wilderness or travelling to off-beat places.

Click HERE to buy reliable 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.

Your skin can suffer a lot in the summer. It can become dry, dull, and prone to breakouts due to heat, humidity, and sun's rays. Fortunately, there are natural solutions that you may regularly use to help maintain your skin healthy and radiant throughout the summer. This blog will review some of the top all-natural summer skincare solutions. Let's get started.

1. Increase your fluid intake during the summers:
Drinking lots of water will help keep your skin hydrated during the summer. If dehydrated, your skin may become dry, flaky, and prone to wrinkles. Your body may be cleansed of pollutants by consuming at least eight glasses of water every day, which will also maintain your skin looking young and healthy.

2. Protect your skin from the harmful rays of the sun:
Your skin may become damaged by the sun's rays, leading to early wrinkle development and sunburn. Even when it's cloudy outside, you should use sunscreen with at least SPF 30 to protect your skin from the sun. You should also wear a hat and protective gear when spending time outdoors.

3. Aloe vera to the rescue:
Sunburn-related redness and inflammation can be lessened by using aloe vera's anti-inflammatory qualities. Antioxidants included in it can also aid in shielding your skin from additional harm. Cut an aloe vera leaf from the plant and apply the gel to your skin to utilise it.

4. The infamous Indian summer staple – Cucumber:
Antioxidants and anti-inflammatory substances found in cucumbers can help lessen inflammation and redness. Cucumber can be used by simply slicing one and applying the slices to burnt skin for 10 to 15 minutes.

5. Say yes to tea tree oil:
Tea tree oil has antibacterial qualities that can assist in eliminating microorganisms that cause acne. Before bed, apply a few drops of tea tree oil to your skin after diluting it with a carrier oil like coconut oil.

6. Catering to the nostalgia – Lemon Juice:
Lemon juice is a home treatment that works naturally to reduce sun-induced hyperpigmentation and black spots. The citric acid in lemon juice can help exfoliate your skin and lessen the visibility of dark spots. Add lemon juice to your skin with a cotton ball, let it sit for 10 to 15 minutes, then rinse it off.

7. Coconut Oil – the best solution:
Throughout the summer, coconut oil is a natural solution that can help keep your skin moisturised. Fatty acids in coconut oil can help keep your skin soft and silky. Apply coconut oil to your skin before bed and keep it on all night to use it.

8. Honey is mandatory:
Honey can be a natural cure to soothe and moisten dry skin damaged by the sun. Honey has antibacterial properties that can aid in the prevention of infection and foster the healing process. Apply honey to your skin, let it sit for 10 to 15 minutes, then rinse it.

Note:
While natural therapies might be helpful, it's important to remember that not everyone will experience success with them. Before utilising any new product or cure, conducting a patch test is crucial because some people may have allergies or sensitivities to specific natural substances. A dermatologist should be consulted for any concerns or persistent skin problems. You can have healthy, radiant skin all summer long if you take the proper precautions and care for it.

In conclusion, natural therapies can shield your skin from the damaging effects of the sun and heat while keeping it hydrated and glowing. Remember, caring for your skin and staying hydrated throughout the summer is vital for preserving overall health and wellness. And to safeguard yourself and your family against unforeseen circumstances, you must also purchase the best health insurance. Several online health insurance companies provide insurance with different levels of benefits. You need to choose the one which caters to your needs optimally.

Click HERE to learn more about the benefits provided by different online health insurance companies.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

For most people, general insurance online quote is the first consideration when buying any insurance. We do a risk-return analysis based on the premium we pay for the policy, whether a one-time or annual payment. We then compare quotes of policies of other insurance companies and choose the one with maximum benefits and minimum premium.

But have you ever wondered how insurance companies calculate your general insurance online quote price and how it is fixed? Let us look at the answer to these questions in detail.

Who fixes your premium?

Actuaries are the guardians of the premium formulation process for any insurance company. It is based on sophisticated planning. They anticipate and develop detailed forecasts, evaluate them, make several assumptions, and fix the premium. It is a complicated process as the future is tough to predict. Also, it is a continuous process as the external environment is dynamic and keeps changing.

We can divide the process of fixing the premiums into four phases.

1. Pricing plan:
The first phase in fixing the premium is to create a pricing plan based on the short-term and long-term goals of the company and its priorities. It will depend upon the target market of the company, its existing competition, and its distribution technique.
The pricing should maximise the profits of the company while being competitive and sustainable at the same time. Actuaries club this information to design various insurance policies and try to fix the premium accordingly.

2. Actuarial assumptions:
Actuaries make several assumptions before testing the premium pricing. This is done by reviewing the dynamic external factors such as the economy, anticipated inflation, anticipated rates of unemployment and business failure, rules and regulations in the concerned market, accounting and taxation requirements, existing competition, customer tastes, preferences, etc.
The company prepares a pricing strategy based on risk, expected business volume, and capital availability. They also finalise product characteristics based on age groups, female premium procedures, etc. Actuaries then review their assumptions according to their recent market experience, investment earnings rate experience, new money rates by business category, etc.

3. Finalising policies and premium:
Actuaries use their professional judgement to determine the premium for any specific policy. By performing pricing studies, they arrive at the premium amount and dividends that meet the company's objectives. They ensure the various insurance plans are consistent with specific age groups, occupational classes, etc. Actuaries also design supplementary benefits with any plan and the riders that come along with it.

4. Managing the results:
For the final phase in general insurance online quote, they estimate the losses the insurance company may face in the coming year. This can be predicted by making use of historical data. They then establish benchmark rates for various policies that ensure that the insurance company will meet any insurance claim that arises in the future.

Actuaries apply statistical methods and the abovementioned considerations and calculate the premiums for client groups with similar predictive risk attributes. They also assess the insurance company's ability to pay off its claims by studying past data and forecasting the possible financial impact of any catastrophe that may occur in the future.

Fixing the premiums for an insurance policy is a complex process that actuaries perform. If you are a business looking for an insurance policy, you should inform your insurer about the steps you have taken or intend to take to minimise your business risks. This can help to lower your insurance premium.

When purchasing a non-term insurance policy, one must identify the best general insurance online quote by comparing the premium of similar other policies. Choose the policy that provides maximum or reasonable coverage at the minimum premium rates and stay protected.

Click HERE to know more about general insurance online quote.

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.

Have you already purchased car insurance India for your new car as a mandatory feature but still fear taking your vehicle on a spin? Driving in India often leaves most drivers intimidated. The crowded streets, impatient drivers, and lack of enforcement of traffic laws can make navigating the roads a harrowing experience. One of the most confusing elements of Indian roads is the roundabout.

Roundabouts, also known as traffic circles or rotaries, are circular intersections designed to help traffic flow more smoothly. However, they can be daunting if you need to become more familiar with them. But fret not! This blog post will provide a simplified guide to navigating roundabouts like a pro and help you stay safe.

What is a roundabout?

Before we dive into how to navigate roundabouts, let us first understand what they are. In a roundabout, traffic circulates counter-clockwise around a central island in a circular intersection. Drivers entering the roundabout must give way to vehicles already in the circle and continue driving counter-clockwise until they reach their desired exit.

Why are roundabouts safer?

Roundabouts have become increasingly customary because they are safer than traditional intersections. The Insurance Institute for Highway Safety conducted a study that shows how roundabouts decrease the number of severe crashes by 78% and fatalities by 82% compared to traditional crossroads. Roundabouts eliminate many conflict points in traditional intersections, such as head-on collisions and right-angle crashes.

How to navigate a roundabout?

1. Approach with caution:
The first step to navigating a roundabout is to approach it with caution. Slow down as you approach the roundabout, and be prepared to stop if necessary. Look for signs and markings on the road to help guide you through the roundabout.

2. Yield to traffic already in the circle:
Once you have reached the roundabout, you must yield to traffic in the circle. It means you must wait until there is a gap in traffic before entering the roundabout.

3. Choose your lane:
Before entering the roundabout, you must choose the appropriate lane. If you are turning right, stay in the right lane. If you are going straight or turning left, use the left lane. If multiple lanes exist, choose the one that will take you to your desired exit.

4. Maintain a slower speed:
Once you have entered the roundabout, maintain a slower speed of around 10 km an hour. Do not stop or change lanes in the roundabout.

5. Use your turn signals:
If you are turning, use your turn signals to indicate your intentions. Don't make rash turns without giving proper signals. You may end up crashing your car in an accident. Make the best use of your car's rear-view and side-view mirrors to get a clear judgement of the traffic behind you while making a turn.

6. Exit the roundabout:
As you approach your exit, use your turn signals to indicate your intention to exit. Yield to any pedestrians or bicyclists in the crosswalk and exit the roundabout safely.

Roundabouts can be intimidating, but they are a safer and more efficient way to manage traffic. By following the above tips, you can navigate roundabouts like a pro and reduce your chances of getting into an accident.

Remember to maintain a cautious approach, pay attention to traffic already in the circle, and use indicators while maintaining your speed and staying in your lane. It is that simple! While the regulatory body mandates it, we recommend purchasing car insurance India to protect yourself from the financial damages you may incur in an accident. With these tips in mind, you can stay safe on the road and drive with confidence.

Click HERE to buy the best car insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Poor posture is the new smoking. It affects almost everyone around the globe, but it is not nearly talked about as much as it should be. With rigorous commute time, there’s no doubt that the disastrous effects of poor posture while driving or travelling affect most people.

Bad posture can make a short ride uncomfortable and causes much more than a stiff neck in the long run. After years of this compounding problem, pressure on the spine results in slowly curving the spine, leading to Kyphosis. Kyphosis has many associated problems other than just aesthetic deformity. It leads to reduced shock absorption and imbalance and unyielding chronic pain. This makes you more prone to injuries and can put your life at risk.

Other factors, such as reduced metabolism leading to worse digestion and an increased risk of cardiovascular disease, are matters of great concern. However, the good news is that poor driving posture gravely affects people only after an extended period, and you can fix it. The way we drive has a significant impact on our health and our car’s safety. Therefore, we recommend you buy car insurance online and health insurance to protect yourself and your vehicle from the financial strain of accidents and poor posture.

Additionally, read on to learn some tips to rectify poor driving posture.

How to rectify poor posture in a car?

It is tough to avoid poor posture in a car since they are usually cramped and made to provide temporary comfort but long-term damage. Lower and laid-back seats, along with tipped-back headrests, cause your hamstrings and neck muscles to get pulled and, as a result, cause pain.

Here are some things you can do to improve your driving posture.

1. Adjust your seat:
Most drivers make the seat low, which leaves their back unsupported and barely supports the thighs. Raising the seat higher will solve most of these problems and improve road visibility and prevent accidents. It will support your pelvis and thighs and put you in a neutral position to avoid slouching. Additionally, while sitting in a car seat, your tailbone should be propped up to the back of the seat, and you should rest against it to provide rest to your joints and muscles.

2. Stretch at regular intervals:
This tip is helpful during long road trips or if you regularly drive for long hours. Gently roll your shoulders, and stretch your arms and legs at stoplights to avoid them from going stiff due to gripping the steering wheel for too long. While stopping at rest stations, walk around, stretch, and get your body moving for the drive ahead.

3. Position your mirrors correctly:
Your rear and side-view mirrors should be adjusted appropriately to avoid additional strain on the neck. You should be able to see all the mirrors without changing your body’s position excessively.

4. Steer clear of keeping your arms above shoulder level:
This will prevent the build-up of strain on the arms and neck and relieve the pain you could get from your wrists and elbows.

5. Adjust your headrest:
Your headrest should touch the back of your head, such that the top of the headrest lies between the top of your ears and your head. This will prevent neck injuries in the case of collisions and give your head the perfect balance it needs while driving.

Proper positioning of the driver’s seat is necessary for visibility and safety. Additionally, it is also beneficial for the driver’s spinal health. It is a critical factor that all drivers should consider for a safe car ride and avoid health adversities due to bad posture. One must also choose to buy car insurance online that fits your needs perfectly and provides comprehensive coverage to prevent the financial costs due to vehicle accidents.

Click HERE to buy car 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.

Higher education costs increase yearly, and many students turn to education loans to fund their studies. While a student loan can be a great option to finance your education, it can also be a significant financial burden after graduation. That is why it is crucial to consider taking out insurance on your education loan.

General insurance plans can offer you financial security in case of unexpected events that may cause you to default on the repayment of your education loan. Let's examine the benefits of taking out insurance on your education loan.

1. Financial protection for unforeseen events with education loan insurance:
Firstly, it provides financial protection to you and your family in case of an unexpected event such as job loss or a medical emergency. Suppose you cannot repay your education loan due to unforeseen circumstances. In that case, the burden of repayment falls upon the co-applicants. If you purchase insurance coverage, your insurer will ensure that your loan payments are taken care of, providing much-needed relief to you and your family during difficult times.

2. Improving credit scores with education loan insurance:
Insurance on your education loan may also improve your credit score. If you default on your education loan, it can adversely impact your credit score, making it more difficult for you to obtain credit in the future. By taking out insurance, you can avoid defaulting on your loan. This will help you maintain a good credit score and ensure that you are in a better position to obtain credit in the future.

3. Reduced burden of repayment:
Thirdly, insurance on your education loan can provide peace of mind. It can be stressful to think about the financial burden of repaying your education loan, especially if you are doubtful about your future income prospects. With insurance coverage, you can rest assured that your loan payments are taken care of. This will help you focus on your studies and career prospects without worrying about loan repayments.

4. Inbuilt insurance in education loans:
Insurance on your education loan may only sometimes be necessary. You can manage your loan repayments without insurance if you have a stable income and a good credit score. Additionally, some education loan providers may include insurance coverage as part of their loan package, so check with your loan provider before taking out a separate insurance policy.
Another critical factor to consider when buying insurance on your education loan is the type of insurance policy you choose. Various insurance policies are available, such as disability, unemployment insurance, etc.

5. Unemployment insurance for education loans:
Unemployment insurance can provide temporary financial assistance if you lose your job and cannot repay loans. It guarantees repayment of the loan amount without letting it reflect as a default. It also allows you to focus on finding stability and a consistent source of income rather than worry over the possibility of defaulting payments.

In conclusion, general insurance plans on your education loan can provide valuable financial protection and peace of mind. Similar to purchasing other general insurance plans, assessing your individual needs and circumstances is essential when choosing an insurance policy for your education loan. Carefully review the terms and conditions of the policy, and compare policies to ensure that you are getting the best value for your money.

Purchasing general insurance plans for your student loan is not necessary and only mandatory when applying for institutions abroad. It can be a valuable tool for all those who want to protect themselves and their families from unexpected events that may affect their ability to repay their education loans.

Click HERE to buy different general insurance plans 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.

Driving is a skill that requires utmost responsibility while behind the wheel. While several uncontrollable factors cause accidents, motorists must always ensure they are non-negligent, careful, and alert while driving to minimise the risk of accidents.

One controllable factor that may lead to mishaps is drowsy driving. While sleep is uncontrollable, one must never drive in a dazed state of mind. While car insurance renewal may cover the loss to your vehicle, it does not suffice for the mental and physical trauma that results from accidents.

If you frequently feel drowsy while at the wheel, here are some tips to shake off the haze and drive alertly!

1. Break up your driving frequently:
Take a brief break from driving every 100 miles or two hours, regardless of how well you've slept the night before. Plan your route so that you may frequently stop to stretch, get some fresh air, and grab a snack or refreshing drink.

2. Drive cautiously at the drowsiest hours of the day:
Since your body's internal clock tends to make you sleepier between midnight and six in the morning and early afternoon, try to avoid driving during those times.

3. Sleep well at night:
A restful sleep of seven to eight hours is essential before a lengthy journey. When you feel drowsy, park at a safe spot and take a quick power nap.

4. Travel with a friend:
Bring along a passenger who can share driving chores and keep you awake because most drowsy driving occurs during a solo journey.

5. Avoid night-time driving:
Avoid driving at night if possible because it makes people sleepier and less aware. If you work a second or third shift, abstain from driving when your body is most used to sleeping.

6. Avoid using sedatives and alcohol:
Alcohol and other sedative drugs disrupt your sleep and make you feel sleepy the next day. Avoid driving under the influence of alcohol or any other drug.

7. Consider your health:
If you frequently have difficulties falling asleep, speak with your doctor to see what the issue might be. As with sleep apnea or narcolepsy, modest signs of exhaustion can occasionally indicate more severe health problems.

8. Get a caffeinated drink:
Pull up to a petrol station and buy a coffee, tea, soda, or energy drink for a fast dose. Caffeine enters the system and starts its impact after a half-hour. So, if you regularly consume it, you might not get the appropriate benefit.

9. Be alert for cautionary signs:
Look for an instant opportunity to stop and relax if you have any drowsiness. Don't try to push through if you're exhausted. Always remember that it's better to be safe than sorry.

10. Engaging radio programs to hear:
Turn on an exciting radio program to keep your mind engaged and awake if you're travelling alone or your passenger's talk has run dry.

11. Watch out for sleep-inducing tricks:
Some individuals use their windows, air conditioning, or radio to make themselves more alert, but doing so can take your focus off the road. It is preferable to pause and give your body the rest it requires rather than using these tactics.

12. Do not rush things:
Give yourself some additional time to react on the impromptu roadside excursions. Being rushed increases your chance of an accident and injury and decreases your likelihood of taking the necessary driving breaks.

Getting enough sleep is the best defence against drowsy driving over the long term. Focusing on your sleep hygiene, which includes your routines and environment, can help prevent drowsiness while driving.

You can endanger yourself and others if you find yourself nodding off while driving. We encourage you to undertake timely car insurance renewal to minimise the risk of accidents and efficiently deal with damages due to mishaps.

Click HERE to get your car insurance renewal done.

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.

With private modes of transport becoming more popular, the number of vehicles on the roads and policyholders of car and 2 wheeler insurance is only increasing daily. While the automotive industry welcomes the increased demand, it is an exciting prospect for industry watchers. As consumer preferences shift towards more sustainable alternatives across all purchases without a massive increase in budgets, alternative fuel offerings have emerged in recent years.

Why are petrol two-wheelers with a spark-ignition internal combustion engine still seeing steady demand despite the trend? Read on to know why petrol continues to be the most preferred fuel for two-wheelers.

Petrol engine:
A petrol engine is an internal combustion device designed to transform thermal energy into mechanical energy by the spark ignition of gasoline.

The benefits of gasoline engines:
● The power output is excellent
● The cost of buying a gasoline engine is lower than a diesel engine
● Petrol engines burn gasoline more sustainably than diesel engines and have a better price-to-power ratio
● Petrol engines are quieter and vibration-free
● Petrol engines cost less to service and maintain
● Naturally, petrol engines gain from being simpler to adjust and tune up
● They are light and effortless to operate
● Despite being flammable and explosive, it is simple and safe to store the gasoline
● Almost no other source of energy has a higher energy density than gasoline

Reasons for not using diesel engines in two-wheelers:
● Comparing the two engines, the carbon-dioxide output from the diesel engine is roughly 13% more per 3.8 litres. As a result, it pollutes more than a petrol engine and is unhealthy for the environment.
● Fuel pumps, glow plugs, and other components are necessary for diesel engines, and their combined cost will raise the bike's overall price.
● Diesel engines have lower RPM than gasoline engines but provide higher torque. Therefore, it is not appropriate for motorcycles where we require great speed.
● Because diesel engine combustion occurs due to auto detonation, diesel engines vibrate more than gasoline engines.
● A diesel engine is heavier than a gasoline engine and cannot be used in a motorcycle or other small vehicle.
● The engine block must be more vital to resist more excellent compression ratios because they result in higher pressure applied to the cylinder. This makes the cost of diesel engines higher than that of gasoline engines.
● Diesel engines use fuel injector technology, which is more expensive than the spark plug technology used in gasoline engines, to pump fuel into the combustion chamber.

Petrol engines are used in two-wheelers because they are slick, lighter, quieter, better at picking up, and require less maintenance, among other reasons. Petrol is significantly easier to ignite than other fuels and burns more efficiently. Gas engines are lighter, stronger, and more responsive than diesel engines. Diesel engines often have a slower throttle response than gasoline engines, which makes them less ideal for bikes.

While petrol may be a better alternative than diesel, it is essential to consider its hazardous nature and use it accordingly. Practice recommended fuel-filling habits that preserve the longevity of your engine and purchase comprehensive 2 wheeler insurance to protect your bike from any contingencies.

Click HERE to buy 2 wheeler insurance 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.

The thought of getting a dent on your car doors while driving, parking, or simply due to external variables is upsetting. While door dings may not be expensive to repair, they diminish the car's value and make it an additional ordeal. Car Insurance renewal or purchase is the best way to protect yourself from the financial burden of repairs.

As preventive measures, here are some straightforward ways to avoid scratches on your car doors.

1. Test your defensive driving skills:
Along with following the fundamental traffic laws like wearing your seatbelt and obeying the speed limit, defensive driving also includes practical abilities like anticipating potential errors other drivers may make. You can reduce the possibility of car damage by maintaining a safe and appropriate distance from other nearby vehicles.

2. Install door edge guards:
Door edge protectors help to cushion your door from dents and scratches. You can DIY or get it installed by a local car accessories shop. They are available in adhesive and cling door variants and do not harm your car's paint when removed.

3. Pick your parking spots wisely:
Consider parking your car in a garage rather than on the curb or select a quieter location on the lot. Also, use a different mode of transportation while visiting crowded places like open markets to protect your car doors from scratches.

4. Door sill protectors:
The door sill area is vulnerable to wear and scratching because of constant contact. Door sill protectors almost eradicate this issue. The practical device is easy to install and cheap, making it the perfect preventive measure.

5. Regularly wash your car using the correct techniques:
Most minor dings and dents aren't due to collisions or bumps but usually happen while cleaning due to abrasive brushes used in automatic car washes that can easily scratch your paint. Consider going the manual route and ensure to rinse the dust and grime off before getting to work.

6. Avoid unnecessary contact:
Do not lean or sit on your car, put anything on it, or touch the painted surfaces excessively to prevent door scratches. Although it may seem unlikely, opening and closing the doors without using the handles could even cause scratches.
Using car covers is another habit you should break to avoid car dings. In addition to providing no defence against potential road scratches, they could do more harm than good. Along with probable paint damage from wind flaps, a similar outcome will also be anticipated each time you cover and uncover the car.

Although nobody wants their car's doors to get scratched, it occurs frequently. It looks terrible and can cause rust where the paint has chipped off. You may take preventative measures and exercise caution when handling your automobile doors to keep this from happening and the pricey paint repair. Car insurance renewal can help you avoid bearing the costs of the painting job in case the dents and scratches result from accidents. However, in all other cases, you will have to pay the expenses yourself, which is why you must practise preventive measures to maintain your car’s doors perfectly.

Click HERE to get car insurance renewal done.

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.

Can you imagine a car without a windshield or with a cracked windshield? A car windshield caters to various functions, such as keeping dirt and debris out of the vehicle, preventing the heat and glare from the sun, saving the driver from an impact, providing a clear front view to the driver, and much more.

Taking proper care of your car's windshield is not difficult or expensive. All you need to do is regularly check for any cracks and fix them as soon as possible. Proper care and maintenance make the windshield last longer and keep the passengers safe. Additionally, purchasing car insurance India can help shoulder the burden of replacing any car components due to an accident.

If you are planning a long trip, here are a few tips to ensure the safety of your car's windshield.

1. Review the condition of windshield:
Parking at the wrong spot, especially for long periods, can damage your car's windshield beyond repair. Due to extreme temperature exposure under direct sunlight, the windscreen gets stress cracks. Such stress cracks lead to an increase in windshield breakage risk. Moreover, such damages can get worse due to constant temperature fluctuations.
Whenever you decide to leave for a trip, ensure the windshield is in good condition to prevent glass breakage and maintain the glass's durability.

2. Fix every crack:
Before leaving for any trip, ensure your car's windshield is crack free. Ignoring small cracks or chips in their car's windshield can result in bubble formation between the cracked glass layers. Regardless of the bubbles' size, they can severely damage the windscreen if left unattended. It is essential to fix them immediately because if you don't, you might have to vent your pockets to replace the windshield after you return.

3. Replace the windshield wipers timely:
Some car owners don't know, but the windshield wiper affects the glass's health in many ways. Along with the windshield, taking care of the wipers is also essential. It is common knowledge that wipers have an internal metal structure with a rubber coating on the outside. The rubber coating wears off regularly, revealing the metal frame. Using metal on the glass can weaken it and lead to scratches. Therefore, check the condition of your wipers before leaving on your trip to prevent the exposed metal's pressure on the glass.

4. Windshield tinting:
The windshield is the largest glass surface of a car that facilitates proper traffic visibility for the driver. Since parking under shade may not always be possible, laminating your windshield may minimise the impact of harmful UV rays and block out sun glare to a certain extent to preserve the strength of the glass.
We recommend approaching a professional mechanic or your authorised car servicing centre to ensure that you adhere to the mandated visibility limit of applying laminated tints that allow a minimum of 70% light transmission. While car tinting kits are readily available, self-modification may result in your insurer rejecting your claim against car insurance India.

Considering the massive investment required to purchase and maintain your car and its components, it is essential to take preventive measures when leaving your vehicle unused for long periods. Your car demands regular care to be in its best shape and ensure effective functioning. Additionally, consider buying car insurance India to cover any replacement costs or damages that may arise from involvement in accidents.

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.

Establishing a business can be challenging but not impossible. Many thoughts may cross your mind when you consider starting a business. Whenever you start a business, you need to take small steps to fuel your business growth. A small-scale business can take flight later and become a lucrative and flourishing venture. It is also a given that you will encounter many problems during your startup. These issues are generic and are experienced by every business. Hence, you must plan accordingly and prepare to face these challenges.

If you're a new entrepreneur looking forward to mapping the roadmap of your startup, then this article is for you. We have carefully curated a list of the common obstacles you may face in scaling your business. You should also know about public liability insurance prices before establishing your business.

We have mentioned the everyday problems of a business owner below.

1. Raising capital:
Every business needs enough capital to get started. It is the first prerequisite before a company is established. Putting initial investment can be overwhelming as you require it to run your business. It can put a lot of pressure on you as the owner. Hence, it is recommended that owners work a side job to generate capital for the business.

2. Dealing with work fatigue:
When establishing a business, you must devote more hours than others. The company becomes your sole responsibility; you still hustle even when you feel tired. Hence, you continue to give in extra work hours even when physically and mentally exhausted. This can lead to rash and unhealthy decisions that you can take in an unstable frame of mind.
It is recommended to take frequent breaks. You need to find a balance between your work and personal life. Try to incorporate the 8+8+8 rule (8 hours of dedicated hard work + 8 hours of proper sleep + 8 hours of personal time for family, friends, hobbies, and health).

3. Time management:
As a startup owner, you must manage most tasks throughout the day. This means that filing the paperwork, answering calls, attending meetings, and also employing others will be done by you. This can put you in a real-time crunch. You will fail to meet deadlines. You should always work out proper time and task management before starting your day.

4. Finding the right people:
When a small business is established, you must find skilled and trustworthy staff. Not only should they be qualified, but they should have the potential to adapt to the dynamic environment and evolve as their role expands. It can be a big challenge as most skilled people work in established companies. You must identify and sort through multiple applications before finding the ones you seek. It can take a lot of time and effort. Bring only those people on-board who have the same vision as you do.

5. Establishing a customer base:
Your small business will be unable to take off without the involvement of customers. It is their demand that helps set wings for your vision. However, it is a daunting task in itself. Customers might not know about you as you are not a big name in the market yet. They may also not trust you with their needs. It is advised to create effective brand awareness to attract the ideal customers.

These are some of the many obstacles small business owners face while setting up their enterprises. Entrepreneurship is a challenging journey that requires significant efforts but provides excellent returns. You need to be patient and resilient until your company takes off. We also recommend researching public liability insurance prices in advance for your business to protect your business from any lawsuits or claims made by employees or third-party.

Click HERE to buy public liability 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.

Have you ever felt unproductive while having tight deadlines and no creativity or motivation to complete your tasks? You may be facing burnout and are among 40% of the Indian workforce. While it may seem challenging to get out of such a phase, the best way to overcome the symptoms of burnout is to step away from work and hit refresh! What better way to do so than going on a short vacation?

Considering the intense work pressure and hectic schedules, taking a leave may not always be possible. So why not make the best use of your weekends to drive away from monotony? Short road trips are the perfect way to meet your requirements without overspending. Considering the traffic-packed roads across the country, taking your bike on the journey may be ideal.

If you’re convinced, pack light, gather your friends, get your bike serviced, ensure all the papers are in order, and purchase two wheeler insurance online India. Pick a destination from our specially curated list to experience the joy of a quick getaway over the weekend!

1. Cherrapunji, Meghalaya:
Known as a quaint town, the wettest place on Earth is home to unique living root bridges that you must check out. With well-built expressways through scenic greenery, motorcyclists are in for a joy ride on this journey. We recommend starting from Guwahati or Shillong to experience the best of the town’s old-world charm.

2. Goa:
Planning a vacation without mentioning Goa, irrespective of duration, is impossible. With excellent connectivity to neighbouring states, the party capital is the best place to head to if you need tranquillity or happening parties. The ride through the picture-perfect Konkan belt will stay in your memories forever!

3. Ooty:
The rolling hills of Ooty and its lush greenery make for a serene getaway. Enjoy the view of far-reaching sprawling tea and coffee plantations as you drive through valleys on meandering roads.

4. Jaisalmer:
If rough terrains excite the motorcyclist in you, Rajasthan’s cities are the perfect destinations to plan your next road trip. A panoramic view of the beautiful blend of culture, heritage, and vibrancy will follow you as you make your way to the Golden City. Considering the arid surroundings, planning your trip between November and March is suggested. We urge you to purchase two wheeler insurance online India to cover any mishaps you may encounter during your journey.

5. Araku Valley:
At a little over a hundred kilometres away from the City of Vishakhapatnam is Araku Valley, a hill station with rustic heritage, tribal influence, and coffee plantations. While the journey may be short, the valley offers the best nature, biodiversity, and climate, making for a refreshing retreat.

6. Munnar:
If you fancy long-distance road trips, plan your next trip to Munnar, a hill station in Kerala. Its green hills, waterfalls, and tea plantations make for the perfect view on your journey, which may take up to 04 hours if you start from Kochi.

The other popular destinations include Lonavala, Karjat, Alibag, Nasik, Daman, etc. which promise a happening weekend setting for you to unwind and return with positivity and energy.

This list is not exhaustive and only includes some destinations you can consider setting off. While each destination has a unique appeal, we urge you to purchase two wheeler insurance online India before you depart on your two-day vacation! Safety should always be on top while planning bike trips. Wear proper gear and a helmet to safeguard yourself from any mishap.

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.

The ever-increasing number of vehicles on Indian roads is constantly posing a risk to the safety of drivers, riders, and pedestrians. While purchasing the best two wheeler insurance in India is a mandatory requirement, several advanced technologies have also evolved to make motorcycle rides safer. These technologies are helping to reduce the number of accidents and enhancing road safety.

Let us have a look at them in detail.

1. Anti-lock braking system:
An anti-lock braking system or ABS is a technology that prevents a motorcycle’s wheels from locking when sudden brakes are applied. Hurried braking is usually used when an object or a vehicle appears suddenly in front of the bike. This may cause our motorcycle to skid and cause serious bodily injuries and even damage to the bike.
ABS makes use of speed sensors that are fitted on both wheels. It senses that a wheel lockup is about to occur and instantly reduces brake pressure. This prevents the motorcycle from skidding, preventing an accident.

2. Wearable airbags:
We have always known that cars come equipped with airbags that open up instantly at the time of a car crash. They minimise the impact of accidents and help to save lives. Most of us do not know that wearable airbags for bikes are now being made with the help of modern technology that performs a similar function as cars’ airbags at the time of a crash. Wearable airbags are put into a vest and can be worn with a compatible jacket. The airbag inflates during a collision and then deflates automatically. It cushions the rider and the pillion rider, minimising the crash's impact. These airbags can be a lifesaver and protect the upper half of the body. Also, these airbags are universal in nature and can be used with any motorcycle make and model.

3. Motorcycle alert systems:
Modern technology has enabled the incorporation of radar sensors that can scan our surroundings and identify potential dangers, even in motorcycles. These sensors can help us map the vehicles around us and alert us of any possible collision. They can also warn us of approaching vehicles or if a vehicle gets too close to us.
Motorcycles nowadays also come with sensors that alert us if our kickstand or side stand is open by flashing a light on the display panel. This helps avert a possible crash due to the open kickstand while riding.

4. Advanced lighting:
Motorcycles now have advanced LED lighting systems that produce optimal beams for enhanced street visibility. This minimises the chances of an accident due to poor visibility on the streets at night or during heavy fog conditions. Also, motorcycles have hi-technology illumination systems that enhance their visibility in poor light conditions.

5. Modern helmets:
Helmets are being made with advanced technology, making them lighter and sturdier. Modern-day helmets make our rides safer and protect our heads better than older models of helmets at the time of a crash.
Helmets nowadays also come equipped with hi-tech Bluetooth headsets and good-quality cameras. They help bikers stay connected during a ride, especially in difficult and risky terrains. The cameras are capable of capturing minute details during a ride. Riders can go through the recordings after finishing their ride and make a note of the possible improvements.

Modern technology is a blessing in reducing the number of road accidents. These innovations might cost us money, but they are worth every penny spent on them as they reward us with a safe journey. Two wheeler insurance also makes our motorcycle rides safer by protecting us financially in case of a crash. Choose the best two wheeler insurance in India to ensure complete motorcycle coverage and hassle-free claim settlement in times of need.

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.

When it comes to motorcycles, many accessories can enhance your riding experience. Whether a seasoned rider or a beginner, carrying certain accessories can significantly improve your comfort and safety. When you have the proper accessories, riding a motorbike is an exhilarating, even more, pleasurable experience.

This blog will discuss the one-stop guide for motorcycle accessories you must always carry. Without any further delay, let's get started. The following list of some essential motorbike accessories should be on your must-have accessories list.

1. Reduce the minor vibrations through hand grips:
Hand grips seem like a small addition, but they can significantly enhance your riding experience. Do you know how annoying vibrations on your handlebars are; maybe you've ever felt them. A nice set of hand grips can lessen vibrations and improve the smoothness of your riding.

2. Protect your motorcycle using disc brakes:
You worry about someone taking your motorcycle when you leave it parked in an isolated location. A disc brake lock can add a level of security for you. Although some might counter that disc brake locks can be broken, having an extra layer of protection helps prevent burglars. A disc brake lock that beeps if someone tries to tamper with it can also be a good option.

3. Use your phone conveniently with a phone holder with a charger:
A motorcycle phone holder is essential for riders who want to use GPS properly while riding. A sturdy phone holder with a charger helps you to navigate your route without taking your hands off the handlebars. You may use this holder to mount your phone and access GPS.

4. Safeguard your shoe for the convenient operation of your motorcycle by using a proper gear shift pad: The lack of proper rubber padding on gear change levers might cause long-term damage to your shoes. Your shoes will be protected and last longer if you use a rubber gear shift pad. Choose a shift sock that you may place on the gear lever if you do not want to wear the shoe pad.

5. Pack your things in a motorcycle tank bag:
Carrying small items while riding is inconvenient, but a tank bag can help. It would be best to consider using the Tank Bag to transport your goods. It features a clear map pocket where you can keep your phone. The material is sturdy and durable and comes at pocket-friendly prices, so you don't burn through your savings.

6. Purchase cleaner and chain lube for lubrication:
For the chain sprockets on your motorcycle to last a long time, your chain must be kept clean and lubricated. In India, most mechanics lubricate the chain using motor oil that has been burned, which might harm your chain. Buy a better chain lube set, including a handy cleaning brush that simplifies cleaning.

7. Riding comfort with an air suspension seat:
When you ride a long distance on bad roads, you may experience back pain and discomfort. You can avoid the unpleasantness of terrible roads by using an air-suspension seat. This seat can be utilised when your passenger is an older adult, a pregnant woman, or someone with back issues.

You can carry these few accessories to make your ride smooth and enjoyable. Now, let's talk about safety! You need to purchase motor insurance to protect your vehicle against heavy and unprecedented damage and save yourself against the monetary stress of getting your motorcycle repaired. Once you explore the options and get the best motor insurance to cater to your needs optimally, you must also remember to renew bike insurance online at equal intervals to keep availing of the benefits.

Click HERE to learn more about how you can renew 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.

Are you a long-ride motorbike enthusiast? Fun is always the best part of such experiences. But what about the rider's security? Safety gear like gloves is a matter of debate, with some viewing them as a fashion statement rather than a necessity. However, gloves can help you maintain a firmer hold on the handlebars, absorb shock better, and protect your hands in the event of a spill. Every rider should have a helmet and gloves for protection.

Investing in a good pair of biking gloves will make you look like a pro and make your rides safer and more comfortable.

The benefits of wearing your biking gloves on long rides.

Your head requires protection while biking so does the rest of your body. If you're in a collision, your legs, arms, and hands are also at risk. Investing in appropriate protective gear for these body parts is a good idea to ensure your safety on the road.

In the event of an accident, your natural reaction is to grab hold of the handlebars as tightly as possible. Most of the impact on the ground will be absorbed by your hands. If you're not using gloves or other protective gear, your hands are at risk of serious injury. To protect against harm, gloves are essential. A cushioning layer prevents damage from falling to the ground's grit, rocks, or gravel.

1. Concern for the riders' well-being:
Some gloves for bike riders feature a cutting-edge design that boosts user protection. To indicate a turn, urban bikers frequently don LED turn signal gloves. The gloves have a futuristic design and are illuminated to send a clear message at night. Most bikers agree these gloves are ideal for using hand signals while riding. Their longevity and solid build quality are additional selling points.
Comfortable gloves are great for long rides because they keep your hands warm and dry. And this is the main reason why bikers always wear gloves. It's normal to get sweaty palms after a long time spent on a bike. Because gloves can soak up moisture from your hands, they significantly improve your comfort level. A tight grip on the handlebars can cause discomfort from pressure and friction. You can reduce this if you wear gloves or other hand protection.

2. A firmer hold:
The temperature and humidity where you are biking can cause your hands to become damp and sweaty, resulting in a compromised grip. High-quality biking gloves allow air to circulate so your hands stay dry and comfortable.

3. It can reduce the impact of a fall:
If you enjoy riding over rough and rugged terrain, you should get accustomed to constant pressure. Gel pads or padding are commonly found in gloves for just this purpose. The gloves' palm padding helps absorb impact and distribute pressure more evenly, protecting your hands from injury.

4. Riding comfort:
Winter weather is a constant obstacle for bikers in northern latitudes. The cold will be especially noticeable on your hands. Good gloves help you ride comfortably to places in cold weather.

In conclusion, biking gloves are vital yet overlooked safety gear. Numerous situations call for the riders to always opt for protective gloves. The level of comfort and security it provides while you ride a bike is elevated to new heights. In addition, a bike insurance online plan protects the policyholder against losses resulting from theft, natural disasters, man-made calamities, etc., making for the perfect protection provider to accompany you on your long-distance adventures!

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.

Running a business is seen as a highly lucrative earning opportunity. However, the efforts, resources, and time required to envision, set up, and grow a business are not discussed enough. While the process is challenging, the true extent of an entrepreneur's sacrifices and the venture's uncertainties go unnoticed.

Considering the volatile settings in which a business must find foundation and prosper, insurance services are a boon that entrepreneurs must benefit from to protect their vision from risks, third-party lawsuits, and compensation claims. One such perk is commercial general liability insurance that provides an enterprise of any size belonging to any industry with the combined benefits of a product and public liability insurance policy.

If you own a business or plan to run one in the future, here's all you should know about commercial general liability insurance.

Defining commercial general liability insurance.

An insurance offering for companies and businesses, a commercial general liability insurance policy is a comprehensive protection from financial losses due to legal claims of bodily injury or property damage arising from business operations. Applicable for accidents caused by the non-negligence of the proprietor, it helps in risk management and ultimately protects the reputation and finances of a business in the long run.

The unique offering is an inclusive product and public liability insurance policy, making it a dual-benefit financial coverage for manufacturers of physical and intangible products and protecting them against claims that may be raised by third-party stakeholders like suppliers, customers, etc.

Coverage extent.

Often considered a comprehensive business insurance cover despite specific exclusions, commercial general liability insurance covers the following risks –

1. Third-party damages and injuries:
Any unintentional accidents that result in bodily injuries or losses for third parties while on business premises are covered under the policy. Therefore, the business can raise a claim in case of any reimbursement of medical bills of the injured or the cost of replacing or repairing any damaged property of third parties. It also includes accidents that cannot be traced back as wilful mischiefs, like accidental fires.

2. Advertising lawsuits:
Amid the highly-competitive environment with unclear and relatively lax laws relating to advertising protocol, it is common for businesses to battle in court over intangible assets like ideas, campaigns, strategies, and patented copyrights or trademarks.
While such issues may arise without ill intent and a genuine lack of awareness, a lawsuit may result in slander, public discontent, or even loss of business due to a change in public sentiments. While the issue and compensation for the party at fault is a judicial matter, the legal expenses borne by the business owner can be reclaimed, as legal and settlement costs are covered under the policy.

3. Product quality discrepancies:
The effective use of a product is highly dependent on its quality, which makes it a significant factor to maintain on the manufacturer's checklist. In case of any issues with the final quality of the product marketed, the consumer is entitled to sue the business for the product quality issues, which may result in end-user harm. This is a serious allegation that can jeopardise the future earning capacity and perpetual continuity of the firm.
While manufacturers must ensure that such serious issues do not surface, commercial general liability insurance protects the business from lawsuits and reimbursement costs.

4. Privacy invasion:
To set your product apart, endorsements may do wonders for increasing its reach and enticing consumers to purchase. But you must always have the legal provisions to use such material directly. Without such an express agreement, the commercial general liability policy can help settle with the aggrieved party outside the court and reimburse you for the compensation.

The above extent of coverage offers a general guideline of the inclusions of the two-in-one product and public liability insurance policy. We encourage business owners to do due diligence before purchasing business insurance to ensure their organisation enjoys comprehensive protection!

Click HERE to buy the best public liability 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.

A personal accident policy covers the loss or damage to the policyholder due to accidents. Considering that unforeseen accidents may happen at any time, one must always be prudent and purchase the best personal accident policy in India for complete coverage. However, does purchasing multiple personal accident policies result in payouts from various insurers? Read on if you need clarification about whether you can claim insurance from multiple insurers for a single accident.

Types of personal accident policy.

An insurance company provides several personal accident plans with differing inclusions, conditions, etc. Here are some of the best plans you can consider opting for, including –

● Individual personal accident insurance plan:
This personal accident plan covers death, and short and long-term disability for individuals due to an accident.

● Group personal accident insurance plan:
This personal accident plan offers primary coverage for more than one person. Usually, employers provide this policy for their employees as an additional perk.

What does a personal accident policy cover?

Under the personal accident policy, you can get coverage for the following damage or loss, including –

● Permanent disability cover: Under this cover, the insurer will pay a pre-agreed amount to the nominee if an accident leads to permanent disability.

● Accidental death cover: In this cover, the nominee will receive the sum assured of the policy if the policyholder dies.

● Temporary total disability cover: In this cover, the policyholder will get the pre-agreed amount if the accident makes them bedridden for some time.

● Permanent partial disability cover: In this cover, the policyholder will receive 100% of the benefit of the sum assured if the accident inflicts permanent partial damage to them.

Standard exclusions from a personal accident policy.

Let’s take a look at the list of exclusions under the personal accident insurance policy:
● Pre-existing disability or injuries
● Intentional suicide attempt
● Childbirth or pregnancy
● Accidents caused due to intoxication
● Non-allopathic treatments
● Taking part in dangerous sports
● Committing a criminal act
● Suffering from a mental disorder

Can you claim from multiple personal accident policies?

It is perfectly legal to purchase and hold multiple personal accident policies. The policyholder can claim from all the individual accident policies for an accident if the damage falls under the section inclusion.

Having multiple personal accident policies is beneficial as they provide extra layers, and the family of policyholders receives more money from different insurers during an emergency. However, if you claim insurance from multiple personal accident policies in a year, the premium will be increased when you renew the policy.

How to claim personal accident insurance from multiple insurers?

Follow these steps to claim insurance from more than one personal accident policy.
● You can make cashless claims from the hospital that your insurance company is in contact with.
● You can also use reimbursement claims when not treated at in-network hospitals. In this method, you pay the hospital bill first, and the insurer reimburses you. You need a few documents to make a reimbursement claim, such as bill receipts, claim forms, discharge summaries, prescriptions, and claim settlement summaries (if you claim from multiple insurers).

While choosing a personal accident plan, check its features, benefits, inclusions, and exclusions. The best personal accident policy in India covers various damages and losses and provides additional perks. Also, when claiming for a personal accident plan, keep a copy of your documents handy for a fast claim process.

Click HERE to purchase the best personal accident policy 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.

Being an entrepreneur brings a lot of risk to the table. Insuring your business against liabilities and risks is a wise consideration. Business insurance can help a company protect itself from unforeseen circumstances, such as natural disasters, theft, unintentional injuries, etc. It is of utmost importance for a business owner to be able to assess the risks involved with their line of work. They should consider the needs of their business so that one mishap does not wipe out their entire life's work.

Irrespective of whether you are just setting up or are an established player in your niche, specific policies like public liability insurance in India are essential to cover your business from lawsuits and compensations.

Here are some kinds of insurance that can help cushion the liabilities your business may face in uncertain conditions.

1. Property insurance policies:
For your small start-up business, you spend most of its capital on inventory. In the case of damage to the property, it is tough for businesses to replace or repair damaged property. Some companies never recover from this. So, it is paramount to insure the physical location, tools, and other industry-specific equipment against damages.
However, most property insurance policies don't protect businesses from natural disasters like cyclones and floods, so it's best to talk to your insurance company about all the policy clauses beforehand.

2. General liability insurance:
This insurance helps you bear the costs of legal fees and other liability claims arising from third-party injuries due to your product or business. The entire cost of any legal proceedings that arise from a lawsuit against the company has to be paid by the owner. Whether working in an office setting or remotely, you should be insured against this possibility as it can significantly impact your finances. Research public liability insurance in India before choosing the best policy for your needs.

3. Worker's compensation insurance:
Worker's compensation insurance is mandatory in most cases. This policy is necessary in case of employee injury, death, or illness. It also covers the legal fees if the deceased's family decides to sue the business. Slip and fall injuries may also happen within your premises, and you might have to incur considerable hits to your business by paying off medical costs.

4. Professional liability insurance:
Professional liability comes under the same realm as general liability insurance but has a different use. This insurance is solely for errors or lack of proper service and is also called errors and omissions insurance. It covers the financial repercussions of negligence on your part in rendering any services. However, this policy is usually industry-specific, so it is wise to take expert advice from your insurance company for your specific profession.

5. Business interruption insurance:
In the event of any natural disaster or other unforeseen situations like a riot or a strike in the work area, a business cannot continue uninterrupted. This results in a loss of income due to the stoppage of the ordinary course of a business. In this case, business interruption insurance comes in handy, as it compensates the company for its lack of income in the time it takes for them to get back on its feet again.

6. Commercial vehicle insurance:
Any company that uses vehicles for commercial purposes should insure their vehicles against any damage caused by unforeseen accidents, fire, or theft. This is mandatory in India, but you should research your options to get more comprehensive coverage.

Buying insurance, especially public liability insurance in India, is an essential step in any business owner's journey. Research all your options thoroughly and make an informed decision. Take account of all the risks and accordingly prepare a strategy to mitigate them without sustaining any loss. The growth and security of your business rely on your alertness and preparedness to avoid falling prey to financial loss due to unexpected mishaps.

Click HERE to know more about public liability 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.

The recent Economic Survey for the year 2022-23 presented by the Government of India indicates a positive growth outlook for the Indian insurance sector. With the general insurance policy penetration rates at par with the global level, one may assume that all insurance policies are equally preferred in the country.

However, upon careful inspection, it is easy to realise that personal accident insurance plans do not enjoy such high penetration as popular insurance like health insurance, which is considered necessary. While many may think the formerly mentioned plan is sufficient to cover every contingency, the coverage against disabilities and personal accidents is often left out of the scope of consideration.

Defining personal accident insurance plans.

Personal accident insurance plans are a type of insurance that provides coverage in the event of an accidental injury or death. It offers financial support to help cover medical expenses, lost income, and other expenses that may arise from an unforeseen injury or death. Apart from monetary compensation, it also offers peace of mind to policyholders without worrying about the financial consequences of an unexpected accident.

The need for personal accident insurance plans with other insurance.

Buying health insurance only provides limited coverage for the illnesses and conditions included in the policy, leading many to believe it is enough to provide comprehensive protection against adverse events affecting one's well-being. However, this assumption is flawed, as can be understood from the definition above. Hospitalisation due to the policyholder's illness is a prerequisite for raising a successful claim. In case of only accidents or injuries, the policyholder is left unprotected, making purchasing personal accident insurance plans essential.

1. Coverage extent:
Health insurance only provides compensation in case of the policyholder's death or hospitalisation due to specified illnesses. It offers no specific coverage or payouts for accidental death or injury. Personal accident insurance plans supplement such cases by covering accidents caused during travel, work, commute, etc.

2. Financial compensation:
One of the benefits of personal accident insurance is that it provides financial support to help cover medical expenses and loss of productive capacity due to an accidental injury or death. This way, hospitalised policyholders who cannot return to work for a stipulated period are offered a daily cash allowance and additional benefits for their dependents, like children's education and transportation allowance.

3. A broad scope of disability coverage:
Most personal accident insurance plans offer coverage for accidental death, permanent partial or total disability, or temporary total disability. This provides incidental disability or death coverage regardless of the cause, unlike health insurance. Therefore, personal accident insurance plans offer peace of mind to policyholders about the financial consequences of an unexpected accident.

4. Flexibility of coverage:
Personal accident insurance plans are generally more affordable than other insurance types. They are also flexible, allowing policyholders to choose the ideal coverage for their needs and budget, making it accessible to a broad range of potential policy purchasers.

Standard exclusions to keep in mind.

Like every insurance product, personal accident insurance plans exclude certain factors such as natural death, high-risk work environments, childbirth or pregnancy, suicide, and self-inflicted injuries. Accidents caused while participating in extreme sports, under the influence of intoxicants, or while engaging in criminal activities are other reasons that most insurers do not provide coverage.

Despite their exclusions, personal accident insurance plans are excellent supplements to health insurance and provide relatively comprehensive protection against the financial impact of accidental injury or death. We urge you to consider purchasing personal accident insurance plans to protect against unforeseen accidents.

Click HERE to browse through different personal accident 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.

Losing your traditional car keys is a minor concern as you can quickly get a duplicate key made by the car service centre. However, as vehicles have become more technologically sophisticated, getting new keys can be more technical and expensive than ever.

It can take several steps and leave a dent in your wallet to replace a lost or stolen key, depending on the type and model of the car you drive. Fortunately, when comparing new car insurance rates, you can purchase an add-on coverage to protect your car keys.

While the add-on cover can limit your expense, here's what you should do if you lose your car keys.

1. Verify carefully:
Before deciding, conduct a comprehensive search for the keys everywhere. Retrace your steps and cover all the spaces you may have placed your keys.

2. Inform your insurance provider:
When you lose your key, the first thing is to write to the insurance provider and tell them what happened. With a misplaced key, there is a considerable risk of vehicle theft. Additionally, they may require the submission of an FIR filed with the nearest police station.

3. Reach out to a franchised dealer:
Contacting a manufacturer's dealer for your car is recommended if you need an OEM replacement key. It frequently costs money and takes time to obtain. If your original key offered features like a hands-free boot release, you will receive a new key identical to it in addition to programming for those features.

4. Decide on your car's essential type:
If you lose the existing key and have no spare, consider switching your key type. Traditional transponder, FOB, and intelligent keys are options to choose from.

How to recover different kinds of keys.

1. Traditional key:
You must put a conventional car key into the ignition cylinder to start your vehicle mechanically. If you misplace your car keys, you can phone an auto locksmith, who can immediately make you a new key. You might need a new ignition lock cylinder and key from the dealer or another repair facility.

2. Transponder key:
These keys are more advanced and detected by the Electronic Control Unit that starts the engine. A skilled electronic locksmith can help as they have spare keys equipped with the same tuning chips as your car. But they bill you more than they would have for a regular car key.

3. Smart key:
Modern vehicles almost universally include push-button start and keyless entry. However, we advise keeping a spare in your glove compartment for emergencies. If you lose your keyless entry FOB, you can buy a spare key or have your car towed to the closest brand dealership, where they will program a new FOB to pair with your vehicle. Smart keys are the most expensive set of keys among all types, and you should only get them from your authorised car dealer.

Losing your car key is not a significant concern as there are several ways to recover a new one or attain a spare key. Also, consider purchasing key protection coverage while evaluating new car insurance rates for comprehensive coverage of your car and its key. It's always a safe option to watch out for your car keys and keep them safely in your pocket and avoid leaving them unattended.

Click HERE to buy comprehensive 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.

Public liability insurance shields policyholders from lawsuits brought by third parties for their injuries, damaged property, or other damages due to the insured's negligence. Many people, particularly owners of small businesses, are still determining whether getting public liability insurance is required. We'll look into the answer to that question in this blog post.

General liability insurance may, however, be mandated by law as part of the licensing or registration requirements for specific businesses or professions. Let's dive deeper and understand why purchasing public liability insurance would be better for you.

Reason 1:
It is strongly advised that you consider getting public liability insurance even if your profession or industry does not mandate it. This is because accidents can occur at any time and can be highly expensive to handle. For instance, you can be responsible for paying a customer's medical bills, lost earnings, and other damages if they slip and fall on your property. You would have to cover these expenses out of your pocket if you didn't have public liability insurance, which might be extremely expensive.

Reason 2:
Public liability insurance helps shield your and your brand's reputation. If a client or a public member is hurt or loses something due to your company's negligence, it could hurt your reputation and generate bad press. By having public liability insurance, you can show your clients that you care about their security and well-being and that you have the resources necessary to cope with any mishaps that might happen.

What should be considered while purchasing public liability insurance?

1. The amount of coverage you require should be carefully considered before buying public liability insurance. The level of risk involved and the kind and size of your organisation will determine how much coverage is necessary. For instance, a tiny home-based firm would need essential protection. In contrast, a larger company with many employees and risky operations might need higher security.

2. To make sure you know what is and isn't covered, it is also crucial to carefully read the terms and conditions of your public liability insurance policy. Before acquiring insurance, it's critical to be informed of any exclusions or coverage restrictions that might apply. Although you will depend on the insurance provider to cover any potential claims, ensuring they have a solid reputation and sound financial position is also crucial. Therefore, when buying public liability insurance, it's vital to carefully examine the degree of protection you require, review the policy's terms and conditions, and select a reputed and financially sound insurance provider.

3. Cost should be considered when selecting public liability insurance. The price of public liability insurance will change depending on the level of protection needed, the size and type of your business, and the insurance provider you select. Even if cost is a crucial element, it shouldn't be the only factor you consider. In addition to the protection, comparing the insurance cost to the possible costs of a claim or litigation is crucial.

In conclusion, even though many businesses do not think about acquiring public liability insurance, it is strongly advised that you consider doing so. Accidents can occur at any time, and if you don't have public liability insurance, you may be responsible for significant losses and costs.

Also, by acquiring public liability insurance India, you can show your clients that you care about their security and well-being and that you have the necessary resources to cope with any mishaps that may happen. Therefore, explore your options and purchase the best public liability insurance, which would cater to your organisation's and your client's needs in the best way and add the layer of security as required.

Click HERE to learn more about the benefits of purchasing public liability 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.

Cleaning a driving test to obtain a two wheeler licence seems complicated, and the application procedure for a rider’s permit often dissuades many people from learning how to drive a two-wheeler. Balancing, control, awareness, and judgement are parameters evaluated during the practical assessment.

One of the most commonly feared parts of the test is manoeuvring the 8-track. It is the perfect test of all the criteria mentioned and requires excellent balance and coordination. Additionally, steering ability and break application are also checked in the test.

If making an 8-curve on your two-wheeler intimidates you, here are some simplified steps to ensure perfect results each time!

1. Pre-ride check:
Before starting, ensure your two-wheeler is fuelled and has appropriately functioning brakes and indicators. It is also necessary to practise with your helmet on to prepare yourself for the actual test, where it is compulsory to ride with your helmet on. Before starting, we recommend warming up by doing short laps in an open area to ensure you are correctly seated and find the right balance.

2. Initial right curve:
Usually, making an 8 begins by taking a right turn to form a quarter of the 8. You do not need to use the indicators in this section, so just focus on steering. Ride slowly up the arc and proceed towards the mid-point by following the lane markings to aid proper steering.

3. Prevent understeering:
The second quarter or the arc of the 8 can be easily manoeuvred by ensuring you do not understeer. Understeering occurs when the handlebar is turned at an angle less than the desired angle. Again, follow the markings to get a better judgement of the angle of steering. Maintain your momentum and balance while making the turn.

4. Reverse S-shaped curve:
After crossing one-half of the track, instead of sticking to the inner edge, slowly shift to the outer boundary of the curve to complete the reverse S arc. You might steer at a wider angle than required at this stage, resulting in your bike crossing the track boundary. This causes a failure in the test. So, be careful and ensure you have a strong grip on the handlebar.

5. Final curve before exiting:
The final curve is the easiest since it requires central positioning and basic balance before exiting the track by turning on your left indicator.

All you need to do is ensure coordination between the clutch, gear shifting, and accelerator while completing the 8-track. Remove the fear from your head, and understand that it is all about balance! Take a deep breath and get through.

Additional tips to make manoeuvring effortless.

For a rider with experience, the steps mentioned above may seem excessively detailed, but a beginner may require additional inputs to follow the same. Keeping these in mind can help prevent mistakes and make it easier to steer through continuous curves.
● Shift your weight slightly as you steer your bike to maintain your balance
● Do not go extremely slow, as it makes balancing difficult
● Ensure that you do not shift your handlebar to either end
● Keep your body relaxed and elbows at right angles to distribute weight evenly.

Beginners often question the need to learn how to make an 8-curve on their two-wheelers perfectly. Although such opportunities are rarely faced on the roads, they prepare one for sharp turns, immediate application of indicators, balance, and coordinated judgements. These skills are fundamental requirements of a good rider and prepare one for all terrains and roads. Before you begin practising your figure 8 manoeuvre skills, consider purchasing two wheeler insurance India which covers any accidents and allied costs you may face.

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.

Insurance policies, including non-general and general insurance plans, have gained popularity among Indians. While the increased penetration rate is a welcome change, protecting policyholders against potential fraud becomes essential. Insurance companies are taking adequate measures to spread awareness and educate potential policy buyers about possible crimes that involve fake policies, fraudulent insurance agents, mis-sold policies, etc.

This blog informs you about insurance traps you might be prone to and helps you elude them.

1. False alerts: reviving expired policies –
One of the many ways scammers trap innocent people is by calling them about policies that lapsed a while back due to payment failure. These dormant policies are then illegally accessed by telemarketers, who call up policyholders, informing them of good news. According to them, policyholders can now get a bonus on their policy, but you can only access it with a fee. They may also try to sell new policies. You can easily avoid this trap by being vigilant and reading the fine print of your policy.
To prevent scams and fraud, IRDAI is also regulating the insurance sector by digitalising it. An e-Insurance Account is a digital portfolio of all your non-general and general insurance plans, which helps keep track of policy tenures, switch, or buy policies at a single click without any hassle.

2. A guaranteed return providing investment sans market volatility –
The lack of financial literacy is mainly to blame for this misconception. As the uninformed public continues to hear of the short-term successes of a small section of well-informed investors who do due diligence before making their financial decisions, they crave similar results without putting in as much effort.
Taking advantage of the situation, insurance agents often pitch general insurance plans as alternatives to conservative investments like a fixed deposit and promise high returns. While the money put towards any insurance policy is a better investment than letting it sit idle, such claims are not backed by proof and must be avoided.

3. Getting pitched insurance policies as a tax-saving investment –
Tax planning is usually seen as a dreadful task that most individuals undertake only when essential. Therefore, some folks jump at it when the most effective sales pitch comes in, saying that an additional insurance policy would give you tax cuts (because of 80C) and would be a suitable investment. The tax-saving months before March are when these fraudulent pitches are made, and people need to determine whether the investment is necessary in the first place.

As the insurance sector evolves, insurers must make policyholders aware of the role of general insurance plans as a protective cover rather than a mode of investment to minimise your tax burden.

Your overall financial and tax planning for the following period should be done at the beginning of the current financial year. It is crucial to consider all factors, including your current investments, non-general and general insurance plans you might have taken, your kid’s school fees, and other expenses. Start early, and you won’t be in a hurry to reach the deadline, so you can read the fine print on all the documents and do apt research before signing on anything.

Click HERE to learn more about general 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.

Helmets are protective headgear that can save your life in case you fall from a running two-wheeler or collide with another vehicle. Also, wearing a helmet while riding a two-wheeler is compulsory under Section 129 of the Motor Vehicles Act, 1988.

Imagine if a helmet can detect drunk driving, location tracking, navigation, a hands-free device, and several other functions other than just protecting your head during a ride. Yes, this is all possible with the advent of intelligent helmets.

This article tells how smart helmets are set to change your riding experience.

1. Detecting a helmet:
Many two-wheeler riders do not wear a helmet intentionally. Also, some may forget to wear it while leaving home or the office. This can be dangerous to their lives in case they meet with an accident on their way. Smart helmets are equipped with Force Sensing Sensor (FSR) that detects whether the rider is wearing a helmet. It senses actual human touch. If it does not detect it, you will not be able to turn on the ignition of your two-wheeler.

2. Alcohol sensor:
Smart helmets can also be fitted with a gas sensor that can identify the alcohol content from your breath. It can be placed right in front of your mouth, detect if you are drunk, and prevent your vehicle from starting. This can be very helpful in avoiding an accident due to drunken driving.

3. Accident detection:
Smart helmets can detect accidents and alert a phone number by sending a message. It makes use of accelerometers and vibration sensors for this purpose. A free-fall sensing unit can detect when the two-wheeler falls freely and is not in control. Similarly, a vibration sensor senses signals and pressure and sends a message to the registered mobile number. This can be life-saving in times of an accident as the receiver of the message can instantly rush to the accident spot or alert friends, police, and an ambulance to reach the spot.

4. Over-speeding and rash driving alert:
Smart helmets can also alert you if you are riding above the speed limit fed into it or are driving rashly. Such alerts warn you to reduce your speed and drive carefully.

5. Bluetooth connectivity:
Smart helmets can be connected to your bike and mobile phone via Bluetooth. This can allow you to make calls or answer them safely while riding your two-wheeler.

6. Navigation, location tracking, and recording:
Smart helmets come equipped with a GPS device that can accurately tell the rider’s location. This can be useful in times of emergency or theft of your two-wheeler. Also, they can help in navigation while you are riding your two-wheeler.

You can also install hi-tech cameras on your smart helmets. They can record and store all the details of your rides, such as speed, distance covered, time taken, etc. This can be very helpful for bikers and racers.

Smart helmets are a world in itself, with numerous options for adding or removing applications and additional devices per rider needs. They can completely change how you have been riding your two-wheelers. They help to make your rides much safer and technologically advanced than a regular conventional helmet.

Why just rely upon a smart helmet to alert and protect you in case of an accident? Choose from a wide variety of 2 wheeler insurance online after comparing them thoroughly. Protect yourself from any sort of financial losses that you may suffer due to an accident or theft of your two-wheeler.

Click HERE to buy 2 wheeler 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.

A bike drive chain consists of interconnected oval loops made of metal, forming a roller chain. The teeth of a sprocket gear mesh with the holes in the links of the chain. The mechanical force from the engine puts the bike chain in motion, which causes the bike's wheels to rotate. Hence, a bike's drive chain is an important part and must be handled properly.

A drive chain is usually the dirtiest part of our bike. It is oiled and greased, catching loads of dust and mud from the roads. Here are some tips for maintaining your bike's drive chain to ensure longevity.

1. Periodic cleaning:
Regular cleaning keeps it free from dirt build-up, rust, and breakage. You should regularly check your drive chain by lifting the rear wheel of your bike off the ground and manually rotating the drive chain. You should check every chain link and use a firm brush to clean them.
If you hear squeaking sounds from the chain while riding your bike, it is time for relubrication. Also, you should check for tight links that are not bending easily. Clean them properly and lubricate them to ensure their free movement. It will also prevent rust build-up.

2. Lubricant quality:
Always use a good quality lubricant to ensure its longevity. It should be specifically made for a bike's drive chain and should not be just any lubricant.
Dirt and mud damage the drive chain. The lubricant should be such that it should minimise the accumulation of dust and grime on the drive chain. Also, it should be long-lasting as the drive chain will wear down and get damaged if the lubricant is less or missing.

3. Do not over-lubricate:
Over-lubrication is harmful to the drive chain. It will attract more dust, mud, and concrete from the roads and damage the drive chain. To ensure smooth operation, you should always wipe off excess lubricants with a rag.

4. Thorough cleaning of the drive chain:
In case you ride your bike through muddy roads frequently or use it on rough terrains such as a mountain, you should remove the chain completely when it becomes excessively dirty. You can remove it yourself or seek the help of a mechanic.
Use a good quality chain solvent available in the market and soak your chain in it for the prescribed time. Then scrub hard to remove the dirty grime from the chain links. The solvent will do its job, and your chain will become clean and grime-free. Relubricate your drive chain once completely dry, and put it back in the bike.

5. Stretched chains:
Sometimes your bike's drive chain seems to stretch and become loose. This is because of normal wear and tear of the chain with usage. A loose drive chain cannot provide a good grip for the movement of the wheels and may even slip from its cog.
Check for a loose drive chain regularly, and get it fixed as soon as you find one. Ignoring it may cause further damage to the drive chain, and you will have to replace it.

The drive chain of your bike is a very important part of its smooth running. You must take good care of the chain to keep it in its best shape. Clean it regularly and keep it sufficiently lubricated to ensure its longevity.

Buying a good bike insurance policy for your bike is another important thing that you need to do to ensure a glitch-free ride. Buy bike insurance online after comparing it with the policies of several companies. You can do this from the comfort of your home or office without physically visiting any insurance company. Go for the best bike insurance policy as per your specific needs and enjoy complete protection, security, and peace of mind.

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.

Human resources are the greatest asset for any company. A good workforce can make or break a company. Companies often offer group personal accident insurance to protect their workforce from the loss of income from any kind of accident and related disability or death. The employees feel protected against financial uncertainties of work-related hazards with such insurance. It benefits employees working in heavy industries with dangerous machinery and surroundings.

Group personal accident insurance India is an effective way for employers to attract and retain talent. As an employee, it offers protection against the financial distress of disabilities and supplements your existing insurance covers. Let us know more about it.

1. Coverage:
Group personal accident insurance provides comprehensive coverage to an entire group against accidental disability and even death. Policies are customisable according to the number of people in the group and their specific needs. Hence, you can be reassured if your group is too large or small. Such policies provide discounts on a higher number of members in the group.
● Permanent total disability – Insurance companies will pay you the total sum insured in case of permanent total disability such as loss of leg, limb, eyesight, etc.
● Permanent partial disability –You are eligible to get up to 50% of the total sum insured in case of permanent partial disability, such as loss of one foot, loss of hearing, damage to eyesight, etc.
● Temporary total disability – You will get a certain percentage of the total sum insured in case of temporary total disability from an accident, depending upon your policy terms and conditions.
● Medical care – The policy will also cover your medical expenses, even if you are admitted for one day in a daycare treatment. Moreover, it will also cover your cost of OPD treatment, physiotherapy sessions, and ambulance transportation.
● Education – Some policies also come with an education add-on cover. The insurance company will take care of the education expenses of up to two dependent children in case of the insured person's death.

2. Need and importance:
Several industries require their employees to work on heavy machinery and risky surroundings, including the iron and steel industry, automobiles, pharmaceuticals, etc. A work-related accident can cause temporary or permanent disability, causing a financial crisis and a lot of trouble for the employees and their families.
So, if you are an industry employee, group personal accident insurance India covers you against such unfortunate accidents. It takes care of the hefty hospital bills for your treatment up to the limit of the policy amount. It also provides financial assistance to the nominee in case of the policy holder's demise.
Therefore, such a policy will give you peace of mind and protect you against the monetary distress of disability or death, allowing you to work stress-free with greater efficiency. It also helps build trust with your employer and strengthens professional ties for a long time.

3. Exclusions:
Group personal accident insurance India does not cover pre-existing diseases when purchasing the policy, self-inflicted injuries such as a suicide attempt, mental disorders, non-accidental medical treatments, hospitalisation due to substance abuse, criminal activities, or war. Ensure to read the terms and conditions of the policy to know more about the details. You may contact your employer or the insurance company if you've any queries regarding your coverage.

Group personal accident insurance India offers coverage that regular health insurance policy does not provide and also compensates the nominee with a lump sum payment in the unfortunate event of disability or death due to an accident. This can be a great financial support to your dependent family members.

Choose the best personal accident insurance India to provide complete coverage, support, and protection during the time of need.

Click HERE to buy personal accident insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The engine is often considered a two-wheeler's most crucial component. However, an experienced motorcyclist would tell you that well-maintained tyres are equally essential for a safe and enjoyable bike ride.

The various squeaks, screeches, and rumbles can tell you about a tyre's health. Since your contact with the road is made via tyres, they have a crucial role in defining your riding experience. Taking optimum care of your bike's tyres ensures longevity and a smooth ride. Buy 2 wheeler insurance online and get your bike serviced regularly to maintain your bike's safety.

Do tyres always make noise?

You cannot completely eliminate noise from your tyres. The rubber will make noise as it rolls against any surface. Natural rubber friction against the road will be the source of most of the noise your tyres make. Also, air flow through the moving tyre treads further increases the noise.

On the road, the sounds made by various tyre brands and products vary slightly. The sounds your tyres generate have a language, but translating them takes practice.

Let's now understand different screeches and how to care for them.

1. Squealing tyres:
The possibility of tyre squealing exists, especially while making sharp turns. You can hear this frequently in parking lots. Your front tyres may be underinflated if they appear to be making this squealing noise. You should check their pressure even if the tyres don't appear underinflated.

2. Squeaking tyres:
You need to pay immediate attention if your tyre makes a squeaking noise. Compared to a screech, it's riskier. The front tyres typically exhibit uneven tread wear, which a screech can indicate. You may feel some pulling to the left or right. Go to the tyre shop right away to have your wheels balanced, aligned, and tyres checked.

3. Grinding tyres:
The time to be afraid has come if you hear your wheels grinding. The most likely reason is your brakes' failure due to worn drums or pads. Get your two-wheeler inspected right away, wherever you are.

4. Rumbling and vibrating tyres:
Your tyres may rattle and tremble on some road surfaces, particularly ribbed ones. A worn wheel bearing may be indicated by rumbling and vibration from your tyres, especially if the noise gets louder as you go faster. It is a significant cause for worry since the wheel bearing holds the wheel in place.
Whether you are turning swiftly or braking hard to halt quickly, screeching tyres are to be expected. Low tread depth may be the issue, which you can resolve by taking your 2-wheeler to a tyre shop.

Dealing with unidentifiable sounds:
Sometimes you instinctively know something isn't right after riding on a pair of tyres for a while. When you hear a noise, you might not be able to place it in a certain category or even identify it, but you get the impression that it doesn't sound right. This might even happen if you stumble over a pothole. Other reasons might be the low tyre pressure, the tread may have worn down, or your bike's wheel may have fallen out of alignment.

Remember to pay attention to tyre sounds. Take a conservative approach if you are unsure of what it signifies. Check the two-wheeler and the tyres. Safety is the utmost priority for any rider on the road. The easiest way to prevent mishaps is to pay attention to your bike, regularly get it serviced, and purchase 2 wheeler insurance online as a prudent safety cover.

Click HERE to buy 2 wheeler 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.

Hundreds of options are available for your bike insurance, both online and offline. You must have encountered tempting advertisements promising you the lowest premium with complete coverage for your bike. Also, we frequently receive calls from insurance companies or their agents with lucrative offers for buying our bike insurance from them.

But wait a moment. Are all these offers authentic? Will they provide you with complete protection, safety, and quick claim disbursal in the unfortunate event of your bike accident? You need to follow these steps if you have the slightest doubts and are concerned about the authenticity of your bike insurance.

1. Check with IRDAI:
The first step for checking the authenticity of your bike insurance is to check the website of IRDAI (Insurance Regulatory and Development Authority of India) and search for your insurance company. The insurance company will probably be a fraud if its name is not on the IRDAI website.

2. Go for a brand:
Always choose a bike insurance policy of a reputed company or brand. An insurance company that is well-known and reputed in the market is less likely to cheat and issue a policy with false claims and promises. Also, the chances of a fake policy from such companies are almost zero.
We often buy a bike insurance policy on the advice of an insurance agent or by getting influenced by some advertisement. You should first call the customer care of such companies and verify the policy details being sold to you. Also, you may visit the nearest branch of the company and verify the details there. Check whether the policy contains the same IDV (Insured Declared Value) and all the add-ons promised earlier to you. Buy the bike insurance policy only after you are certain about its genuineness.

3. Premium receipt and other details:
A genuine bike insurance policy will always issue a receipt for the premium paid by you. Also, the policy document will contain all the details, such as your name, policy tenure, terms and conditions of insurance coverage, etc.
To ensure the authenticity of your bike insurance, always insist on a hard copy of your premium receipt. Review your policy document thoroughly and ensure it contains all the required details.

4. Mode of premium payment:
A bike insurance company will give you several options to pay your bike insurance premium. You can pay it online through its website or issue a cheque in the insurance company's name and hand it over to the insurance company’s office or your insurance agent.
If your insurance company or agent is insisting only on cash payment or payment by cheque/bank transfer in the name of a person, it should be a red flag for you. The insurance company or the agent in between might not be genuine and authentic.

5. Verification link:
Insurance companies nowadays validate a bike insurance policy on their official portal at the time of issue. You can check the authenticity of your bike insurance policy by checking whether this link redirects you to the official website of the insurance company or not. This is especially important if you buy your policy from a 3rd party vendor.

The digitalisation of insurance services has contributed greatly to the progress and development of the insurance industry. However, fraudsters find new ways to dupe you while selling you a bike insurance policy. You need to be vigilant to protect your hard-earned money. Always verify the authenticity of your new bike insurance policy and its details before paying for it.

Bike insurance is compulsory under the law, and you must buy it from one source or another. Visit the nearest branch office of bike insurance companies, or go through their offerings in detail on their website. Call their customer care and confirm the details. Buy a good bike insurance policy that is genuine and does what it promises to do.

Click HERE to buy reliable bike insurance for your valuable two-wheeled asset.

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.

As the pandemic's effects subside and we return to offices, the stress associated with commuting has returned. Every weekday, most office workers face a huge challenge in the morning of whether travelling upwards of an hour one-way is worth their compensation.

Whether you choose private or public modes of transport, here are some tips and tricks to relieve stress from your daily commute.

1. Prepare the night before and leave earlier:
Hectic mornings increase stress levels during the commute, which results in irritation and reduced productivity. Worrying about being late every day can be very stress-inducing. To combat this, start preparing for your day ahead at night. Keep your work clothes and meals ready, and finish all your work. This will lead to a less stressful morning, resulting in you leaving 10 minutes earlier and not worrying about delays in reaching.

2. Try to commute actively:
Commuting via personal transport, such as a car or bike, can cause health issues. The best way to go about this is to walk or cycle as part of your commute if your work location is not far. This is known as an active commute, and it will drastically change the way you travel. Exercising on your way to work releases endorphins and improves mental and physical health. If walking or biking is not possible, try to take public transport. It increases your activity and reduces stress levels significantly.

3. Detach from the digital world:
In the age of social media, it is increasingly challenging to focus on oneself rather than what people on the internet are doing. It is essential to go off the grid for your mental health.
Your daily commute could be your time to read a new book, watch the view outside, or focus on yourself with meditation. Meditation has been a proven method of giving the brain the rest it deserves, and whether it be guided meditation or simply focusing inward, it will surely benefit you.

4. Try getting flexible hours:
It makes absolutely no sense sometimes that everyone has the same office hours. This causes the "rush hour," which is impossible to tolerate five days a week. If this is an option, ask your office for flexible hours, so you can come in before the rush hour and leave earlier too.
If this is not an option in your company, find some activities around your workplace before leaving for the day, like working out or reading a book in a nearby park. This way, you'll be able to avoid rush hour.

5. Try to buddy up for a long commute:
If you find driving incredibly dull and tedious, one way to improve it is to find neighbours who go to the same area for work and carpool with them. This way, the pressure of driving does not fall on you every single day, and you can chat with people along the journey. Ensure that you purchase new motor insurance or avail of online motor insurance renewal facilities to protect yourself and your car against the financial burden of accidents.

6. Stretch it out:
Keep stretching those aching muscles! Even when you're the one driving, always keep adjusting your neck and back, so they don't cramp up and give you further pain.

In conclusion, since long-distance commutes are an inescapable necessity in the urban lifestyle, effective management techniques are becoming essential to prevent strain on your mood and physical well-being. We recommend alternative commute methods to private transport for the best impact on your health. However, in case of no option but to travel by vehicle, ensure that you protect yourself against accidents. Check for your insurance status and get online motor insurance renewal before the due date.

Click HERE to know more about 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.

Buying a house can be an expensive but gratifying event. It is an extensive process involving multiple options and intense decision-making to create your dream house. After spending massive amounts of money, effort, and resources on your home, investing in house insurance India is prudent to protect your home, belongings, and more from uncertainties.

After spending massive amounts on purchasing your home, consider these DIY for your home's interiors to save on additional expenses. Equipped with the right tools, creativity, and zeal, you can take on any home DIY project! A painting project is the ideal task to test your skills and is manageable. Before you start painting, here are some tips to enhance the outcome of your DIY house painting project.

1. Purchase premium paint:
Make sure to pay attention to the quality of the paint. Every room in your house deserves a different type of paint, so keep that in mind. Choose paints with minimal volatile organic compounds and odour to keep your family safe. For your favourite walls in your house, choose a standout colour to create an accent wall.

2. Remove the hardware:
Remove light fittings, doorknobs, electrical cover plates, window locks, and window lifts. Store the components in a bucket. Tape the screws to each piece of hardware, and identify each one with its location to simplify future reinstallations.

3. Identify the type of paint on existing walls:
Test a patch to determine what colour was used there. Apply alcohol-soaked cotton to a small section of the wall. The paint is latex if there is paint residue on the cotton ball. If not, the colour is oil-based.

4. Inspect and prepare the area:
Before applying new primer and paint, check for any cracked or peeling areas. These need to be carefully sanded or scraped, as the weight of the new layer will loosen the old paint. A small amount of soap and water, followed by a rinse with clean water, may be required for greasy stains, followed by a wipe-down.

5. Paint from top to bottom:
Use your brush to start with the edges of the ceiling. Then use the roller to apply an even paint coating from top to bottom. Once you're done with a patch of the wall, leave it to dry. Continue the same process for the remaining patch of the wall. You might notice colour marks and streaks on the already-done patch. Now, get ready for the second round of coating. Ensure that your application motion is the same as the first round of coating to get a bright and evenly looking finish.

6. Fill in fractures, voids, and holes:
Examine the walls and trim carefully for flaws. Fix any holes, dents, and dings with wood filler, caulk gun, or ready-mix spackle, depending on the situation.

7. Safeguard everything you don't want to be painted:
Protect your flooring, furniture, and hardware before starting a painting project. Drop clothes are essential. Protecting door knobs with small plastic sandwich bags is a simple solution.

8. Use a paint grid:
A paint grid is an attachment to the bucket's rim. It facilitates the removal of extra paint and uniformly distributes it across the roller cover for consistent paint application.

9. Apply primer:
Paint and primer combinations work well if the surface is clean and smooth. However, use a different primer if it has been over eight years since the last paint job or if the wall has dents and scratches. Use a bonding primer to cover a hard surface, such as glass or high-gloss paint.

Interior painting projects require time, effort, and skill. While you can take on this task by yourself, the same does not apply to protecting your home. Consider purchasing house insurance India to protect your home against irreparable damage and prevent the depletion of your finances.

Click HERE to buy the best house 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.

When switching to a sustainable energy source like solar, it is wise to conduct a careful study because this is an expensive purchase you will have to live with for 25 years. In this post, we will provide essential questions so you can learn everything you need to know before installing solar panels on your home. These solutions will simplify your solar journey.

1. How much can solar power reduce your household electricity costs?
The monthly savings from solar for household electricity users can be as much as 80%, and in certain circumstances, even more. Before ordering a solar system, determine how much money you will save.

2. Can you utilise net metering at your house? When should you apply if the answer is yes?
Savings from solar can be maximised using a net metering feature in conjunction with an on-grid or hybrid solar system. In exchange for payment, you can export the extra electricity your solar system produces to the grid.
Now, homeowners in all of India's states can use the facility. However, the advantages may vary based on the tariffs established by the individual states. Before and after your solar PV system installation, you can apply for net metering. Nonetheless, we advise you to apply for net metering before the system is installed for your convenience.

3. How much would it cost for your rooftop solar system?
Over the past ten years, solar system prices have decreased significantly. A typical 1 kilowatt (kW) solar system, which cost about INR 145 per watt (Wp) in 2000, is now available for about INR 35 per Wp. However, the final price varies according to the project's size, the skill level of the solar installer, and component quality.
Residential solar systems are often smaller than commercial or industrial ones, and because of the smaller scale of operations, the cost per KW tends to be more significant. The essential thing in this situation is not to hold back on the components' quality or the installer's knowledge.

4. When will your solar system reach financial stability?
With a properly installed household solar system, you should reach your breakeven point in about three and a half years. However, the system size and the state's DISCOM tariff rate affect the breakeven point. The critical thing to remember is that since solar energy returns come in the form of savings, they are guaranteed. You can use a solar calculator to determine your expected payback period and return on investment.

5. Is the rooftop of your house a suitable location for solar panel installation?
It is crucial to examine the capacity of your rooftop. Your rooftop needs to support the combined weight of the mounting structures and the panels. A rooftop must be free of any shadows cast by surrounding structures or objects because most homes in India are constructed too close to one another.

6. Are there any tax benefits for your residential solar investment?
Household electricity is not currently eligible for any tax incentives. However, the investment is worthwhile, though, because the savings on electricity bills alone are substantial.

After investing in such sophisticated technologies and energy sources, it becomes crucial to protect your home against any unforeseen contingencies. In such cases, the best home insurance in India can also assist you in significantly reducing your financial outlay by protecting your home, its structure, and content from unexpected loss or damages.

Click HERE to buy the best home 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.

Accidents, unfortunately, happen far too frequently. They cause vehicle owners to pay for auto repairs, treating injuries, and increased insurance premiums when accidents occur. A small error might lead your car to be totaled in an instant. Purchasing a policy from a reliable motor insurance company in India secures you and your vehicle from various hazards and damages that could cause financial losses.

We repeatedly observe the same trends that lead to collision incidents. To decode this most common issue, we're presenting the most typical crash types and accident-prevention advice to make the roads safer.

1. Front-impact collisions:
When the front of your vehicle collides with another car or object, it is called a front-impact accident, accounting for 54% of all auto accidents. It can result from wrong-lane driving or a poor indication by the approaching vehicle from the front, especially while making turns.

How to avoid them:
Modify your driving according to the circumstances, such as slick roads or other weather-related issues. Give yourself more time to react and take control by driving more slowly in the rain and using indicators while taking turns. Keep your focus on the road and avoid any distractions.

2. Rear-end collisions:
Heavy commuter traffic on roads and thoroughfares, over-speeding, aggressive driving, and leaving insufficient room for the car in front of you are the common causes of rear-end collisions.

How to avoid them:
Driver distraction accounts for 89% of rear-end collisions. Avoid being distracted by putting the phone down, even in driving mode, and adjusting your audio. Additionally, stay aware of your surroundings and avoid tailgating by not maintaining a safe distance from the vehicle in front.

3. Parked-car collisions:
In crowded parking lots, bumper dents are all too typical. They occur when several vehicles travel in various directions or while reversing out of a parking space.

How to avoid them:
Parking lots can make viewing your surroundings challenging, especially when reversing. Before leaving a parking space, survey the area and use your rear-view mirror effectively. Park a bit further away from other vehicles.

4. Side-impact collisions:
Side impacts between cars travelling in different lanes parallel to one another are the norm in cases of sideswipes. This kind of accident accounts for 27% of fatal passenger crashes.

How to avoid them:
Refrain from speeding to beat the yellow light. Instead, be extra cautious and always check both ways at stop signs and traffic lights. Check your blind spot before changing lanes, and watch for sudden lane changes from other motorists.

5. Hydroplaning collisions:
Since the tyres can't touch the pavement when you hydroplane, you have little control over the direction of the automobile, which almost definitely results in a collision. More than 10% of car fatalities yearly are related to wet roadways.

How to avoid them:
Stop accelerating, and don't stamp your foot on the brakes if your car does hydroplane. Instead, keep the pressure constant and let the automobile slow down. Make sure the tread on your tyres isn't too worn out. When driving through significant road puddles, proceed slowly.

Although there are many steps you may take to lessen the risk of accidents, theft, injuries, or damage to your car, it's not always possible to avoid the unexpected. In road accidents, collisions are a significant factor in injury and fatalities. We recommend purchasing a comprehensive auto insurance policy from a trusted motor insurance company in India. This will protect you and your vehicle against various damages and provide monetary compensation for expenses resulting from theft, fire, natural disasters, third-party liabilities, accidents, and other tragedies.

Click HERE to learn more about the policies offered by the best motor 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.

After purchasing your home, maintaining and protecting it becomes the highest-ranked priority. Keeping a clutter-free home helps you bring positivity and a better sense of well-being. While buying the best home insurance policy in India can help shift the burden of contingencies like burglary, vandalism, etc., how do we safeguard our homes from habits like hoarding and stockpiling?

If you find it challenging to keep your home clutter-free, here is a short guide to maintaining and optimising your space.

1. Identify clutter:
Our physical, mental, and emotional lives can become cluttered with irrelevant items. But what appears to be clutter may be an extraordinary item for you. Physical clutter usually occurs when we have too much stuff and no orderly mechanisms to store them. Owning less stuff makes your home clutter-free and more accessible. Having less material also positively affects our time, lives, and energy.

2. Get rid of the extra:
Eliminating the surplus items that consume our lives, time, and energy is the first step in keeping your home clutter-free. Clutter can be described as having too much stuff in a limited space, resulting in a disorganised home. Slowly navigate from room to room while using this filter to weed out items that are not required.

3. Avoid acquiring too many possessions:
Clutter can be efficiently managed by effective space management. You need to understand that the goods cost more than what is listed as their final retail price. We must alter our perspective and assess our purchases differently to stop the accumulation of goods in our houses. Start by asking yourself these questions before making a purchase –
● When I get it home, will there be a place to store it?
● Exactly why am I purchasing it?
● What value does it bring to our home and well-being?

4. Establish routines to manage your clutter:
Finding and creating routines to effectively manage your belongings will be the easiest way to remove the surplus. After removing the excess, it will be easier to identify the practices that keep your living environment clutter-free. Also, you'll find it simpler to adopt these habits once you've experienced the independence and stress-free lifestyle that comes with living clutter-free.
Clutter draws more clutter, and it needs to be eliminated. Create healthy habits for your family to control how your home's possessions are used regularly. They will be simpler to apply once you've identified them.

5. Plan decluttering maintenance times:
The most crucial step is to make a timetable and follow it. You can do this daily, weekly, monthly, quarterly, or seasonal. Remember, you need to declutter and organise regularly.
You'll feel better about your clutter-free home if you're disciplined about following through with your maintenance program. The more time passes between your regular sessions, the more you'll notice that your house could be cleaner and more orderly.

Building habits around clearing up excess clutter should be prioritised in your daily routine. The critical components to living in a clutter-free environment are recognising and knowing what to do with it and having the discipline to carry it through.

The beautiful thing about decluttering your house is that your efforts will have a long-lasting good impact on your sense of self-worth and how you regard your living space. While this will help protect the area inside your home and make better choices as per your tastes, buying the best home insurance policy in India provides the safety of external protection for your house.

Click HERE to buy the best home insurance policy 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.

Motor insurance is a boon that provides vehicle owners security against the financial burden of mishaps that occur to their cars. While it offers several inclusions, acts classified as contributory negligence do not fall under the policy's scope of coverage.

One such act is misfuelling your vehicle, which unfortunately happens frequently. If you find yourself in such a situation, here's all you need to know.

Case 1: Potential dangers of petrol in a diesel car.
Gasoline in a diesel car is a solvent for low lubrication and could damage the fuel pump. Metal pieces from the broken pumps could cause more problems with the fuel delivery system.

What to do: Avoid turning the key and igniting the engine.
The tank must be emptied, with all tainted fuel removed and replaced with a new charge. You can only turn it on after that.

Case 2: Threats of diesel in a petrol car.
Because the diameter of the diesel fuel filler cannon is often larger than the slot of petrol cars, refuelling a petrol car with diesel fuel is uncommon. However, in such situations, the engine doesn't start, and the exhaust severely smokes while running.
The spark produced by spark plugs is what drives a petrol-powered car. Diesel can clog the candles and the fuel system when you fill it up and start the vehicle. It can lead to misfires, smoke, and possibly even a motor failure.

What to do: Don't turn on the ignition and refuel the tank.
Use a specialised additive that clears diesel traces from the fuel system if you fill the petrol tank with diesel in any amount. Furthermore, it matters how much diesel has dispersed throughout the car's internal components after entering the gasoline tank.
It is advised to do a complete tank drain and then fill the entire tank with gasoline. If less than 2 litres have been added, there will be no issues. Obtain assistance from a professional who can remove and clean the gasoline tank if the diesel content exceeds 5% of the tank capacity. Once completed, you can start the car and drive it further.

If your car is already running.
It is advised to drain the fuel tank and refill the fuel system with fresh gasoline before starting the car. If you're driving when you realise, stop as soon as possible. To eliminate the contaminated fuel, it is imperative to flush the tank. Replacement of the gasoline filter is essential in each scenario.

How can the risk be reduced?
No one purposefully fills their tank with the wrong fuel, yet many individuals do so even though the filler size varies for the two fuel types. The type of fuel used on each car is noted, typically on the tank cap and the filler cap as well. Before beginning to refuel, always double-check the type of fuel!

The repair cost may increase depending on how much-contaminated fuel is in the fuel system. You should always be careful to avoid such incidents, and if it does, you could incur significant repair costs.

One of your most valuable possessions, your car, needs to be protected because repairs are expensive. The best way to protect yourself is to purchase motor insurance, which offers several advantages that can increase your safety and safeguards your finances in the case of an accident.

Click HERE to buy motor 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.

Bikes are nothing short of an adventure on two wheels. While they have always been highly preferred in the Indian market due to their convenience, relative inexpensiveness, and ease of learning and riding, bikes are also doubling as a means of thrill providers over the last few decades.

With the varied topographical diversity in India, adrenalin seekers that enjoy motorbiking have found new joy in off-roading. While taking your bike on the road not commonly taken may give you momentary exhilaration, keeping your safety in mind before taking on such adventures is essential. Purchase a bike insurance policy that covers accidents resulting from such extreme sports.

Before getting started on your off-roading journey, consider purchasing these add-on covers to your bike insurance –

1. Engine protection:
The bike's engine is quite literally the heart of the machine. Ensuring it is in excellent condition is essential, especially when taking on challenging terrains. Since off-roading involves steep and rocky inclines, it puts tremendous pressure on your bike's engine. This makes it more likely to break down and leads to high engine repair costs. This add-on provides coverage for all expenses allied with engine repairs and maintenance.

2. Zero depreciation:
Wear and tear is a natural occurrence, and your bike is no exception. Usually, in case of raising a claim, the insurance company only admits a partial amount of the insured sum after factoring in the depreciation costs of the bike parts. However, buying a zero-depreciation cover can help you receive a higher claim amount than in the absence of such cover, making it easier to finance the cost of replacing bike components.

3. Theft of personal belongings:
Unlike regular riding, dirt biking requires special equipment that enhances the rider's safety. Such personal belongings are often expensive and require additional care to maintain. In case your riding gear gets stolen, a personal possessions cover can help you recover the insured sum or the cost of the stolen assets, providing peace of mind and financial security.

4. Roadside assistance:
Breakdowns may be frequent, even for regular bikes used for standard conveyance purposes on paved roads. Harsher terrains inevitably lead to greater chances of bike breakdowns due to multiple uncontrollable factors and mechanical failures. In such emergencies, it is necessary to have a backup plan to rely on. A roadside assistance cover provides reassurance of help in unforeseen conditions, making it a key requirement to purchase.

5. Outstation emergency cover:
The outstation emergency cover is necessary for off-road biking enthusiasts who enjoy long-distance biking adventures away from their residences. Generally, most bike insurance companies state the scope of coverage to be outside a 100-kilometre radius from the place of residence stated in the policy papers.

Can you buy specific bike insurance for your dirt biking adventures?

If you are a beginner to the sport, you may think of purchasing the above-stated add-on covers as a hassle and wonder why not buy an all-inclusive dirt biking insurance policy to protect your bike. Whether you intend to use a regular motorcycle for adventure sports or own a dirt bike, most insurance companies in India do not offer specific off-roading bike insurance. However, you may get comprehensive bike insurance that provides extensive coverage for your bike.

As the activity gains popularity, we expect the Indian insurance industry to adapt to the changing demand and provide suitable security cover for adventure activity. Until then, if you wish to take on the thrilling activity, we urge you to purchase the requisite add-on covers to make your bike insurance policy's coverage comprehensive for your needs.

Click HERE to buy bike 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.

Climate change is the shift in the temperature and weather patterns over a long period. It affects the entire planet by causing abnormally cold conditions in some parts of the earth, while some areas witness extreme heatwave conditions. Some regions are experiencing long dry spells, while others are experiencing devastating floods.

Human activities are primarily responsible for the rapid climate change across the planet. Excessive burning of fossil fuels like oil and gas and irresponsible exploitation of natural resources result in climate change. If you wish to buy home insurance online India to deal with damages due to untimely incidents, here’s how this may directly impact you.

1. Increase in premium:
Some regions of the planet are witnessing a higher impact of climate change and increased natural disasters such as floods, wildfires, deep freeze, rise in sea level, etc., than others. Home insurance premiums have shot up at an alarming rate in such regions. It is becoming very costly for homeowners to buy home insurance online India policy in such areas.
This is logical as the risk of insuring houses in these places and the number of claims is rising. Hence, it is becoming financially unsustainable for insurers to provide insurance services at the prevailing rates. Home insurance premiums have increased by around 10%-12% on an annual basis. This rate varies and is even higher for houses in heavy disaster-prone areas.

2. Rise in the number of inhabitants:
Disaster-prone areas offer inexpensive land, which increases their demand. This results in the increasing population and limited availability of land in disaster-prone areas. However, houses in areas prone to flooding or nearby forests always have a higher risk.
Houses near a forest always pose a higher chance of starting a wildfire by accident. More house inhabitants mean more damage during severe flooding or other natural disasters. These factors influence home insurance policies, their terms and conditions, and premium in areas vulnerable to natural disasters.

3. Difficulty in getting home insurance:
Residents in regions that are witnessing disasters due to climate change are finding it difficult to get their homes insured easily. The probability of damage to their houses is very high because of the topography of their area. For example, rising sea levels due to climate change threaten the existence of dwellings close to the sea shores. Several cities in the world face the risk of extinction by submerging in seawater due to rising sea levels.
Insurers are not interested in insuring houses in such high-risk areas. This makes it difficult for people to get their homes insured, even after shelling out high premiums, which are often unaffordable for the middle & low-income strata. This increases the risk of complete financial ruin in the event of a natural disaster.

Abrupt climate change is catastrophic. It can cause extreme heat or cold conditions, floods and droughts, hurricanes, and tornadoes. Moreover, it can also result in biodiversity loss. Although climate change is inevitable, we can control the pace with which it changes. With the risk of abrupt climate change looming on our heads, the wisest decision in these times is to buy home insurance online India. Opt for comprehensive coverage against damages to the home structure and contents, loss due to short circuits, fire, floods, etc.

Click HERE to buy home 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.

A home is so much more than just a shelter. It is where you create memories, watch your family thrive, and compound your wealth. Considering the constantly increasing prices of homes, buying one is a dream that not many accomplish easily. Recognising the monetary and perceived value associated with the asset, it becomes essential to protect your home and personal belongings from unforeseen circumstances like burglary and vandalism by buying home insurance India.

While home insurance India is a periodic investment that satisfies your safety requirements for a specified tenure, the interiors of your house do not fall into the same category. With changing trends, tastes, and preferences, it is inevitable to wish to renovate and alter the aesthetic appeal of your home. However, you may not have the finances to avail the services of professional designers to bring your vision to reality and design your ideal space.

In such a case, fret not! Here are some inexpensive and easy DIY tasks you can take on the weekends to give your home a new look!

1. Entryway systemiser:
The area that greets a visitor upon opening the main door is the easiest way to build a great impression and set the tone for the decor used in the rest of the house. While you may customise it as per your tastes, it is essential to keep it organised to give your home a put-together look. Revamp your entryway with a compact organiser that stores all your keys, sunglasses, and bags. While you may purchase separate hooks, boxes, or frames for this area, consider arranging existing sturdy holders to create a sustainable assorted organiser.

2. Foyer frames:
The room that the entryway leads into, often known as the hall or living room, is the most used space in all houses. It is also the best place to display valuable memories such as photographs, achievements, and sample works of your hobbies and interests. The possibilities for this idea are endless, ranging from minimalistic matching frames to vibrant and funky options in different sizes and shapes.

3. Create an accent:
Often, homeowners feel the need to refresh their homes to complete renovations. However, if you wish to see immediate results and are working on a tight budget or with limited time, an accent wall or furniture may be your ideal solution. Identify a complementary colour to the current colour palette of your home’s interiors and consider options ranging from artwork, accessories, upholstery, furniture, or a wall.

4. Refresh your accessories:
Sometimes, small changes go a long way in creating the desired results. Consider changing minute details in a themed manner to achieve a cohesive effect. This may be by changing your lights to similar-toned ones to set the mood or switching your furniture’s hardware.

5. Switch things up with contact paper:
Contact paper is your rescue if you’re looking for a quick fix to alter your furnishing and flat surfaces’ visual appeal. You can achieve this without fundamentally altering their surface by using contact papers. These decorative materials come in several trending prints and are available in the length you require per your project’s needs.
Simply peel away the backing and stick it to the desired surface. It makes changing the look of your home effortless since it is easy to remove and reuse, making it perfect for renters who wish to personalise their rented homes without going against the rules laid by the homeowner.

When facing time and budget constraints, hanging lights and getting plants are only some of the makeover options available. With creativity and consideration of functionality, you can efficiently use your time, resources, and space to create beautiful additions to your home’s appeal. As you invest your time and energy in home renovation projects, we encourage you to consider purchasing home insurance India, which is an investment in securing your home from external contingencies and protecting your finances.

Click HERE to buy home insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The first impression your house has on the visitors can be everlasting as they leave. It is a huge deal to keep your home tidy, chic, and beautiful. It can make you garner a lot of accolades from your fellow friends and family members.

However, the whole process can be tedious as the remodelling or redesigning can take time and effort. What if we tell you that you can make your house look appealing in a few hours? As shocking as it may sound, we have curated a list of the best ways to spice up your home’s aesthetic appeal. These ways are innovative, easy, and do not require much time or money.

Also, your house has a high perceived value and should be well protected. Hence, you must consider purchasing home insurance to keep your home and belongings safe from contingent events like burglary, vandalism, natural calamities, property destruction, etc.

However, if you are planning to make your home look better and more appealing to the guests or want to refresh the look of your home as per changing trends or your taste, then take a closer look at the following points.

1. Make your lighting better:
Lighting can make a big difference to your home appeal. You must have bright, chic, and charismatic lighting around your house. You can also spice up your bedroom lights by adding a touch of fairy lights or mood lighting. An addition of golden-hued lights to the dining area and living room adds to the ambiance.

2. Conceal the garbage bags and dustbins:
Nobody likes to see trash lying around in their homes. It can create a terrible impression on your visitors. When guests come over, you must thoroughly scan your house and conceal your garbage bags. Put them in a place that is not easily visible to your guests. A permanent solution could be to switch up your interiors to create a covered dustbin storage section.

3. Trim your lawn:
If you have a lawn, you must trim the grass before guests visit. You can also discard the weeds and pull them out from the yard. Additionally, spray fertiliser all over the lawns. A gentle trim can make a lot of difference to your home’s appeal in minutes.

4. Create symmetry:
Who does not like symmetry? You must follow a symmetrical pattern while displaying accessories, decorative pieces, and even lights. From your door frame to the lights on the lawn, make sure everything is balanced. It can thoroughly elevate the visual appeal of your home by manifolds.

5. Elevate your front door:
The front door is the first thing every visitor sees before entering your house. You can make it look more appealing by adding simple door decor to it. You can hang a wreath of pastel colours or any floral designs you like. Do not overdo it. Keep it simple yet elegant.

These simple yet effective tips can spruce up your house's visual appeal in minutes. You do not need much money, effort, or even skills to complete it. These quick, effortless tasks bring about a significant change around your home. You will surely get a lot of appreciation from your fellow visitors.

While considering the options for revamping your home’s aesthetic appeal, we also urge you to consider purchasing home insurance to rely upon if things go wrong.

Click HERE to buy the best home 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.

Most people own numerous credit cards from single or multiple banks. While using a credit card does give you a specific advantage, not paying its dues on time can affect your loan and premium.

Have you heard about credit scores? A credit score is a term that describes a debtor's credibility, which is evaluated before availing of any financial services provided by banks or private finance companies.

Whether it is about taking a loan, applying for a credit card, or purchasing insurance, your credit score matters. It is considered to keep a high credit rating to ensure motor insurance India with a lower premium. Let's learn more about your credit score and how it affects your chances of lowering your premium charges.

What is a credit score?
A person's capacity to make timely debt payments is indicated by their credit score. In other words, a credit score is a numerical reflection of your creditworthiness. It is determined by several factors, including:
● Current loans
● Currently available credit
● History of repayment of loans and bills

Any bank will label a customer's credit rating with a numerical score ranging from 300 to 900. A person with a higher credit score is more likely to receive loan approval rapidly. Your credit score defines the level of financial risk you may represent to a financial institution when you seek a loan or insurance.

As mentioned above, an individual with a better credit score will likely get a car loan and insurance quickly. Moreover, they are also eligible for a lower insurance premium. Therefore, improve your credit rating for maximum benefits before applying for a loan or insurance.

How can your credit score lower your car insurance premium?

Banks and other financial institutions look for people with higher credit scores as they are more likely to pay their dues on time. Besides getting better loan options with a higher credit score, banks give insurance plans at lower premiums.

As a corollary, a low credit score may make you pay a higher premium for motor insurance India. Check your credit score, see what factors are affecting it, and identify what changes you can make to improve it.

How to check your credit score?

It only takes a few minutes for anyone to check their credit score online for free. Enter the essential details like name, mobile number, bank name, etc., and the tool will quickly determine your credit ratings.

While the free tool gives limited information, a paid tool with premium services gives exhaustive information about your credit score and tips to improve the ratings.

What is a good credit score?

A credit score of around 750 or above is considered a good credit rating. The higher your credit score, the more your chances of getting loan approval and better insurance plans. While increasing your credit score may seem challenging, you can improve it in minimum time with better planning and information. Here are some tips you can follow to improve your credit score:
● Always maintain your Credit Utilization Ratio within 30%
● Avoid using multiple credit cards at one time
● Ensure not to apply for loan applications in short periods
● Reduce the number of loans
● Pay loan EMIs and credit card bills on time
● Use credit cards within manageable limits

Besides these, you can talk with your bank to learn different ways to improve your credit score. It is necessary to keep your financial records as clean as possible as it impacts your credit ratings. Check your credit history today and work on the items that need your attention to reduce your premium for motor insurance India significantly.

Click HERE to buy reliable motor 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.

Road accidents can be dangerous, not just physically but mentally as well. The trauma of post-accident can be devastating and scare a person for life. Since an accident can involve a lot of gore, and even casualties, sensitive and weak-hearted people can take years to get over post-accident trauma.

Witnessing or even hearing of a road accident involving the loss of life or even injury to a close one is a disturbing experience. One can be too scared to drive again and may develop a phobia of sitting at the wheel. Vehophobia is the fear of driving that can take place after a road accident. It can significantly affect a person mentally and physically.

Knowing the effects on your life and vehicle, you should always buy motor insurance online to avoid problems later. While such measures are modern introductions, you can now seek help to overcome your fear of driving after an accident. You must take baby steps toward recovery and gradually return to the steering wheel.

This article will help you do that at the earliest with the following steps to overcome fears to drive again confidently.

1. Therapy:
Psychotherapy can help you a lot if you are dealing with accident trauma. Accident trauma can manifest itself as Post Traumatic Stress Disorder (PTSD). It can prevent you from driving again. Your therapist can help you get to the root of your problems. They will also use coping mechanisms to help you drive again. Cognitive Behavioural Therapy, or CBT, is the most effective tool to help with your recovery. It can help you move past your trauma and anxiety.

2. Be a passenger:
To help you get used to driving again, start as a passenger first. You must get in a vehicle first. It will help you adapt to the look and feel of a moving car again. Ask a trusted friend or family member to take you along for a ride. You can also play some music to keep the ambiance lively and help keep your mind away from negative emotions.

3. Don't drive solo:
Do not go solo as soon as you think you are ready to return to the wheel again. Start diligently from a quiet area with no traffic. You can start in a parking lot or open ground before getting ready for the road again. You should also ask a trusted friend to accompany you at all times. If anything goes wrong, they can take charge.

4. Employ a driving instructor:
A driving instructor can do wonders in a situation like this. They not only teach you to drive but also help you get over your fears. The instructors will help you take the much-needed baby steps in overcoming your fear of driving. They can also help you with defensive and more careful driving tactics. By this, you can avoid accidents in the future.

5. Be kind to yourself:
The whole process of recovery can be frustrating. You will feel like giving up many times, but you must fight the urge to do so. As recovery is a long process, you should be kind to yourself. Let yourself heal at your own pace.

You need to remember these things before returning to the road after an accident. Recovering from a road accident is difficult but not impossible. Give yourself ample time to heal and grow out of it. During this chaotic time, you can stay financially secure. Buy motor insurance online to protect your vehicle from unexpected expenses due to damages.

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.

If you don't drive often, you could believe you don't need the competence to change a tyre and may leave it to the mechanic. However, the "flat tyre" problem can happen to anyone at any moment, whether you're driving your car around the block or through highways. The process of changing a tyre is more straightforward than you may imagine. It is better to fix the flat tyre issue immediately before it results in an accident.

Also, remember another best practice to follow is to buy new car insurance. This will provide a considerable financial benefit if your vehicle meets with an accident and causes loss or damage to any third party's property.

Here are some of the most frequent problems encountered while changing a tyre are listed below.

1. Shifting while on an incline:
Get to level ground before pulling the jack out of the car and changing the tyre. If you try to replace the tyre while on a slope, the car can slide off the jack. Before you jack up the car and steady it, set the emergency brake. To prevent rolling, put wheel wedges in front or behind the tyres.

2. Lacking the required tools:
Most individuals don't examine the vehicle jack kit when they acquire a car and undermine the importance of a complete kit. Ensure you check the jack kit thoroughly before driving.

3. Having passengers in the car:
Consider the situation when you have to repair a flat tyre quickly, and you have located a suitable location to do it. Before the tyre-changing procedure begins, ensure all passengers, including pets, exit the car. This can help change the tyres easily as you remove obstructive weight from the vehicle.

4. Stuck alloy wheel rims:
Even seasoned drivers can get caught off guard by this one. Due to rust, alloy wheel rims that haven't been removed for a while may end up attached to the hub immediately behind where the tyre is located. You might need a hammer in the car, which you can use to hit the centre of the wheel covering the tyre. However, it is recommended to take the help of a professional mechanic.

5. Incorrect use of jacking points:
Every car has a few places on the underside that are intended to be used with a jack. Neglecting this part of a flat tyre replacement could cause damage to the automobile or cause it to fall off the jack. The owner's manual for your particular car model will include the proper jacking points. Always use those points to secure the jack.

6. Forgetting about your spare tyre:
Some vehicle owners heed it. An easy maintenance task is to check the spare tyre's condition every few months. If you need to put the spare tyre, do ensure that it is adequately filled and in good condition. If it's flat, weak, rotten, or fractured, it is of no help.

7. Impossible to unscrew wheel nuts or studs:
Even people with well-developed biceps may struggle with this. It might be relatively easy to manually free wheel nuts if they were excessively tight the last time you visited the workshop. Additionally, overtightening has the potential to harm threads permanently.

A flat tyre is a common occurrence that causes stress levels to soar. Take a deep breath and ensure you exit the road safely to prevent the risk of accidents. While there is no way to avoid a flat tyre, you can prepare for such situations by knowing basic car know-how. We also urge you to buy new car insurance since it covers the costs of an accident and financially protects your vehicle against the damages.

Click HERE to buy new car insurance policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Insurance is a financial product like no other. Upon payment of a meagre premium amount, it protects the insured person or asset against a contingent event involving a risk to its present or future value. While general, health and life insurance are relatively common products with a higher penetration rate in India, personal accident insurance online lags far behind.

While this may be attributed to the lack of awareness, it is straightforward why the product is required. Accidents are uncertainties that can occur in any setting, whether travelling, commuting, or at work. Since you cannot eliminate the risk of accidents, purchasing personal accident insurance online is essential to protect yourself against hospitalisation costs and other expenses resulting from an accident.

The limited awareness regarding personal accident insurance is also only partially reliable due to the misconceptions surrounding the product. While its coverage to the extent of travel accidents is commonly known, there are several questions surrounding its scope of coverage for adventure sports.

Find out whether adventure sports are covered by personal accident insurance online.

Defining adventure sports.

Adventure sports are easy to define in lay terms but are described differently by every insurer. It includes sports that involve contact, extreme speed, technical gear, and extremely high levels of risk. As the name states, these sports have a considerably high-risk grade, making most insurers hesitant to cover them. Common extreme sports include skydiving, skiing, rappelling, mountaineering, etc.

Generally, irrespective of the type of insurance- general or non-general, most insurers do not offer coverage for adventure sports due to the intensity of the activities.

Why should you check for adventure sports inclusion before participating?

The thrill of adventure is second to none, and the addition of multiple uncontrollable factors only adds to the experience for those who seek an adrenaline rush. However, one must always ensure to protect themself from potential accidents before participating in such sports for the following reasons –

1. Hospitalisation coverage:
With medical inflation on the rise, covering any possible medical expenses, including those arising from adventure sports, is prudent. Considering the high-risk profile of these sports, it is always better to be ready for the worst and prepare a financial net that shoulders the burden of such costs.

2. Allied perks:
Personal accident insurance online offers related allowances such as a daily cash allowance, transportation, and more. This reduces the strain on your finances during your period of hospitalisation or any inactivity as an earning member.

3. Mental peace:
The most significant benefit of inclusion is the peace of mind to engage in activities of your choice. You don’t have to worry about the consequences due to the existence of a safety net for your finances.

Does personal accident insurance online cover extreme sports?

At face value, one may assume that personal accident insurance online would offer extreme sports coverage. Most insurers in India presently do not include accidents caused while engaging in such sports within the scope of the policy.

However, if you want coverage against such risks, some insurance companies offer comprehensive accidental coverage across all terrains and destinations. It may take additional effort to discover such insurers amid all those that exclude such accidents. Here are a few factors you should consider before purchasing a policy from such a provider:
1. The extent of sports covered- land, air, water, etc.
2. Provision of immediate medical assistance
3. Customisation of a plan as per your adventure needs
4. Active policy period

Despite the exclusion of extreme sports by most insurers, personal accident insurance online is an essential requirement that provides financial assistance when you are only partially covered by your term or health insurance policy alone. We encourage you to consider purchasing personal accident insurance online to cover the other form of accidents and your risk exposure.

Click HERE to buy personal accident 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.

Driving can be an overwhelming experience, at least when learning the basics of safe driving. While not difficult, it is a task that requires the presence of mind, effective judgement, and, most important of all, confidence. The more you know and the further you drive, the better driver you become.

Sitting in the driver's seat can be confusing initially, as various components are essential to the smooth functioning of a car, and it is impossible to know their importance and how to operate them instantly. While no manual can replace regular practice, you must brush up on the car's know-how to become a confident driver. Having complete knowledge of car features makes you enjoy driving your vehicle.

One such important section is the bonnet of your car. Located at the front of the car, lifting your bonnet will open up a whole new world. Most people need to learn about the components of a bonnet and the functioning of each part. While it may seem complicated, it is advised to know the basics of the workings of the machinery. Since breakdowns don't occur post-announcement, awareness of its working can resolve the breaking of your machinery.

You should also check under your bonnet regularly to avoid problems later. Also, you should buy car insurance in advance to avoid hassles later. Review the car insurance price in India before you invest in any.

For now, let's look at the basics of what lies under your bonnet.

1. Engine:
The engine is the most critical component located under your bonnet. The extensive working of the engine can be complicated. You don’t need to understand the work in detail. You just require to have a basic knowledge of the same. Here, the fuel consumed by your car is turned into power to run the vehicle. You should look for signs of wear and tear here. A professional inspection may help identify the same and point out any cause for concern. Frequently check for the level of different fluids like engine oil, coolant, etc., especially before planning a long trip.

2. Battery:
The batteries are surrounded by a protective shield and are easy to spot under your bonnet. The rectangular battery box has terminals on both ends, which are differently coloured. Red indicates a positive terminal, while black indicates a negative one.

3. Alternator:
Alternators are responsible for powering up the batteries, which keeps the car up and running. If it breaks down, it can lead to significant problems, including affecting the engine's functioning. The alternators resemble a wheel with slits on the side.

4. Radiator:
This is an essential component of the car that helps maintain the ideal temperature of the car engine. It regulates the temperature extensively. You should not interfere with the radiator much as it can be highly hazardous.

5. Engine coolant:
This fluid is responsible for keeping the engine's temperature in check and preventing it from overheating. You should check the fluid level regularly. It should lie between the minimum and maximum levels. You can easily spot the coolant tank upon opening the bonnet. The coolant should combine water and antifreeze.

Other important components that lie underneath include brake fluid, dipsticks, oil, crankshaft, belts, and cylinders. They have a distinct functioning of their own. You need to know the basics of the major components of your car's bonnet before you start driving a car. It always comes in handy, mainly when your car breaks down midway. You should also have suitable car insurance that protects it financially. However, before buying, you should know the car insurance price in India to understand various options and invest in the best one.

Click HERE to buy the best car insurance to protect your valuable asset.

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.

Most of us have invested financially and emotionally in our automobiles, making them more than just a convenience. While cars are undoubtedly a long-term asset, the associated expenses can often amount to a large sum that many may hesitate to bear.

Apart from the regular fuel and maintenance, another necessary cost is your car insurance. Despite being mandated, many find loopholes to escape the law due to the rising cost of premiums annually. Instead of evading the process, find out why your car insurance premium is rising and whether you can manage it.

1. Vehicle inspection:
Your insurer may inspect the vehicle if there is a considerable lag between the policy expiry date and the intended policy renewal date, which may result in a higher insurance premium. You can prevent such costs by renewing your insurance on time as per the due date.

2. Brand and model:
The price of the car relies on its model, due to which different models have different premiums. A vehicle with a lower Insured Declared Value (IDV) will have a lower premium than one with a high IDV.

3. Advantage of NCB:
No-claim bonus is the primary element of a car insurance policy that lowers the premium and promotes careful driving. It rewards car owners for not filing a claim with a discount of up to 20% while renewing the policy. By applying the claims, you risk losing this advantage and could pay a more significant premium than necessary.

4. Driving habits:
Defaulting on laws, failing to use a seatbelt, etc., could get you into difficulty with law enforcement and your insurance company. If any traffic violation is made in your name, your premium will likely go up.

5. Purchasing insurance from the dealer in a hurry:
Explore various car insurance options and evaluate the offering, premium, and coverage to find the best option. A hastily purchased car insurance is a bigger expense than an asset. Additionally, dealers have a restricted area of competence, offer fewer options, and seek direct profits from the sale, so they may offer a policy that is more expensive than you need.

6. Claim history:
You may be a risky policyholder if you have a history of making frequent claims. Your profile might be deemed dangerous if your claim is denied due to factors like illegal vehicle use or involvement in filing fake insurance claims. As a result, you may be charged a more significant premium since the higher the risk, the higher the premium.

7. Vehicle and driver age:
The older the car and the younger the driver, the higher the premium. An older vehicle is more prone to wear and tear, and a novice or inexperienced driver needs to gain the knowledge of an experienced driver. You can lower your rate by choosing a zero Depreciation cover for your insurance plan.

8. Lack of awareness of deductible's effects:
An expense that the owner of the car bears when filing a claim is deductible or voluntary deduction. Making a proper deductible decision is crucial. If you are a seasoned driver who doesn't need to file claims frequently, you can select a greater deductible to lower your cost. However, if you leave it at zero, you will receive your entire claim payment but will have to pay a higher premium.

9. Locality analysis:
The insurer may raise the cost of insuring cars from a particular location if data indicates, for instance, that there has been a significant surge in flooding or car theft in your area.

A closer inspection is all it takes to identify why your car insurance premium increased, even if it may appear unclear initially. Some factors are uncontrollable, while others can be managed by a potential policyholder who has done his research. We encourage readers to check and compare car insurance prices online before purchasing a policy to avail themselves of the best offer.

Click HERE to buy reliable 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.

Whether you own a two-wheeler or a car, you should always ensure that you know everything about its maintenance and insurance. Getting insurance for your vehicle is of utmost importance. It protects your vehicle from severe damages by giving you compensation and solves third-party disputes.

However, just getting insurance for your vehicle is not enough. You also need to check out the various additional services offered by the insurance. This way, you can choose the most comprehensive insurance for your 2 wheeler. You must also inquire about all the essential terms relevant to your insurance. One such term is a constructive total loss. Although the term sounds complicated, it is not.

This article will help you to understand various aspects of a constructive total loss.

What is a constructive total loss?

You will likely file a claim for your 2 wheeler insurance only when your vehicle has suffered severe damages. Once you have filed a claim, the insurance company will inspect all the damages and reimburse the amount accordingly. Either you will get cashless compensation or money for the repairs. The damage is assessed well, and only compensation for the damages is provided.

If the vehicle is in dire need of minor repairs or servicing, the insurance company will reimburse that. It can also refund the amount for the replacement of bike parts. However, reimbursement only occurs after all the deductibles are assessed carefully. No matter the damage's severity, you will only get compensation up to the Insured Declared Value or IDV. You will not get any claim money that exceeds the IDV value.

There is also a major catch here. For instance, your two-wheeler undergoes irreversible damage. In such a case, the bike will be beyond repair. The insurance company can then declare it as a total loss. In other words, if the repair cost for the vehicle far exceeds its value, it results in total loss.

It is said that when the repair cost is more than 75% of the IDV, it is impossible to reimburse it. The constructive total loss takes place here.

Let's assume that your two-wheeler gets stolen. Then what will happen? In such a case, your insurance company will reimburse you for the IDV of your vehicle. The claim for theft of your bike will be treated as a total loss claim. The reimbursement amount will be sans the deductibles and depreciation.

How do you apply for a constructive total loss claim?

Now that you are familiar with constructive total loss let's look at the various steps to file a claim. They are:

● Go to the official website of your insurance company

● Look for the claims process tab or page

● You will see blanks to fill in your information

● Provide all the necessary information carefully

● After that is done, verify the self-inspection of your bike through the link sent to your mobile number

● A surveyor or inspector may be sent to get your vehicle inspected. Cooperate with them

● Once everything is done, you can submit all the required documents and forms

These easy steps can get you a total claim from the comfort of your home. You need to keep all these things in mind before you file a claim for your 2 wheeler insurance under constructive total loss. Once you give the correct information and abide by the guidelines, you can access the claim amount.

Click HERE to buy 2 wheeler insurance to protect your motorcycle from unexpected damages.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The Government of India presented the union budget on 1st February 2023. It has provided incentives for the people to move from the old tax regime consisting of deductions and rebates to the new tax regime. This, in turn, will affect the insurance sector as well.

While there were a few surprises here and there, it has proposed a significant change by taxing maturity proceeds of insurance policies commanding an aggregate premium of over Rs.5 lakhs in a financial year. Such high premiums usually occur in the case of money-back insurance plans that require one-time premium payments or endowment plans.

Here are some of the key recommendations that would impact life insurance sector.

1. No change in Section 80C and 80D:
Insurance premium amounts paid for insuring the life of self, spouse, or child are presently eligible for deduction under Section 80C of the Income Tax Act up to Rs.1.5 lakhs per annum. This is irrespective of whether our child is minor or major, dependent or independent. Also, individuals, as well as Hindu Undivided Family (HUF), are both eligible for claiming this deduction.
Similarly, Section 80D allows a person to claim a deduction for health insurance premiums and expenses incurred towards preventive health check-ups for self, spouse, children, and even parents up to Rs.65000/- per annum, subject to certain conditions.
The budget of 2023 could have been better for the insurance sector of the limits under Sections 80C and 80D. The industry expected a raise in the limits under these sections to boost consumer savings and investment. However, these limits have been left untouched in the budget of 2023.

2. The choice between the old-tax regime and the new-tax regime:
Till now, there was an option to choose between the old-tax regime that allows for several deductions and rebates and the new tax regime that taxes your income at a flat rate. You could choose either of the two and enjoy the above deductions under Sections 80C and 80D by choosing the old-tax regime.
There has been a shift in policy in this regard in the budget of 2023. The new tax regime is the default setting for individuals, under which you cannot enjoy these rebates. If you still want to enjoy deductions under Sections 80C and 80D, you will have to choose the old-tax regime specifically.

3. Aggregate premium clause:
According to the budget of 2023, if the aggregate premium paid by an individual is over Rs.5 lakhs in a financial year starting 1st April 2023, he will have to pay tax on their maturity proceeds. However, if such a policyholder dies, the nominee's maturity proceeds will be tax-free.
Maturity proceeds or income from insurance policies having an aggregate premium of less than Rs.5 lakhs in a financial year will be exempted from taxation. However, the introduction of this clause may discourage consumers such as High-Net-worth individuals (HNIs) from buying big-ticket insurance products to save taxes. As a result, the revenues or top-line of the insurance companies are bound to suffer and go down.

The Insurance industry plays a vital role in the overall financial growth of the country, and as such, the sector is undoubtedly not very encouraged with the budget for 2023. There was a general expectation of an extension of the Rs.1.5 lakhs deductions allowed under Sections 80C and 80D, which still needs to be met. Moreover, taxing the maturity proceeds of policies commanding an aggregate premium of Rs.5 lakhs or more in a financial year will further dampen the sales of high-value insurance policies.

However, insurance buyers need not be worried as the prevalent deduction limit is still the same and has not gone down. Also, a very small percentage of Indians buy high-value insurance policies, and the changed clause is unlikely to affect most Indian residents. Online general insurance policies continue to offer the same ease, protection, and security, and individuals can continue to enjoy its benefits.

Click HERE to buy online general insurance plan to safeguard your valuable assets.

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.