GENERAL INSURANCE BLOG

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

● Your timing belt is the real problem:

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

● Your alternator might be the cause:

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

● Your battery might be corroded:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Two-wheelers have changed the landscape of transportation forever, ever since the invention of the bicycle world has adapted and moved forward with the revolutions two-wheelers brought in the world. Motorized two-wheelers have brought about the most significant change. They have better mileage than cars and are not as bulky as they are. Also, they are compact, and it is easier to tackle the traffic on a two-wheeler than in a car. They have made the world a smaller place. Now you can reach any destination you desire without tiring yourself. Two-wheelers have also empowered women. Women are generally nimbler than men. Now they can travel long distances and carry luggage on their two-wheeler without breaking a sweat.

Indeed, the invention of bikes has forever changed the transportation industry for the better. Most of the individuals and couples opt for purchasing a two-wheeler while families still rely on cars. Bikes have lower maintenance costs than vehicles, and also their cost per distance travelled is less than that of cars. Their compact size allows them to fit in most homes without the need for a garage. Though, you must never drive a bike without a helmet, nor should you ever drive it without insurance. If your bike is not insured, then now you can conveniently buy bike insurance online. As science progresses, there have been many revolutionary changes in bikes from how they look to their performance. The two-wheeler industry has also seen many economic changes over the years. Here is an overview of how the two-wheeler industry is expected to look in the next ten years: -

• Currently, most of the two-wheeler market is dominated by mid-range two-wheelers. Id the current trend continues, we will witness an increase in high-range and low-range two-wheelers. This may lead to better technology in low-range bikes as well as high-range motorcycles to have more premium features and out of the box designs.
• A.I. technology may make the bike riding experience better for everyone. We may witness automatic gear adjustments, terrain adjustments, fuel consumption adjustments, and much more. If A.I. technology grows at the current pace, the future is not too far when we will see it being installed on bikes.
• We should hope for much better mileage and alternative fuel options. Currently, we have electric motorcycles, but they take a long time to charge and do not provide that much coverage. Electricity consumption is also high in bikes. In another decade we shall see much better bikes on the market that will run on electricity.
• There has been recent news on bikes that utilize water as fuel and provide incredible mileage. There are no mass production variants yet. In another decade, we may have a range of motorcycles that use water as fuel and are environment friendly.

The future of the two-wheeler industry looks excellent. We have some significant advances in store for us within a decade. One thing will never change, though, that is safety guidelines and insurance policies. It is and will always be dangerous to drive recklessly. There is no hope of bikes that will allow you to drive without a helmet, either. Insurance policies will change slightly and will add more features and guidelines as technology progresses. They will more or less remain the same. It is essential to have your bike insured at all times. Right now, you can buy Bike Insurance online; maybe the future will be even more convenient.

For many people riding their bike is the joy of their life. Riding on open road zooming past scenery is one of the best ways to satisfy your wild spirit. Bike riders have their community and the gestures that only they can understand. Riding a bike is an exhilarating sport, and for some people, it is a way of life. Many people pride themselves on their riding skills and their artistic sports or muscle bike. A bike is something that every guy likes to show off.

Riding a bike for many is enjoyable, but it is essential to follow proper safety guidelines while riding it. Under no condition shall you ride a motorcycle without a helmet. It would be best if you also had bike insurance for your bike in case any mishappening occurs. If you do not have one yet, you can Buy Bike Insurance Online. It is a very convenient and quick procedure if you have all the proper documents. Aside from the formalities, many developers are bringing out apps that you can use to make your bike rides more fun and convenient. Here are 5 apps that will help you manage your bike rides: -

• EatSleepRide - EatSleepRide is one of the best apps for bike riders. It is an all-purpose app that is a must-have for every rider. It will help you discover new routes that are shared by other motorists. You can also track yourself with a navigation option. Aside from these features, it provides you with all the data riding data along like your speed, lean angle, and the route you are travelling. This app also features another fantastic feature called 'Crashlight' this app monitors sudden changes in accelerometer that occur at the time of the accident. It will send your position to all the contacts you have selected in case of an accident which will send them a notification about the mishap.
• Rever - Rever is a community-based app that allows you to share your routes with the community. Aside from that, you can also share your stats and pictures with the rest of the community. It is a fun and engaging app that is a must-have for people who love discovering and travelling on new routes.
• Dark Sky - Dark Sky is a must-have app for any bike rider. It uses government satellite data as well as data from other users to produce very accurate weather forecasts. This app makes sure that you do not run into bad weather while riding your bike.
• FuelLog - FuelLog helps you keep track of your fuel consumption and vehicle maintenance. It also uses past data to calculate your mileage and cost per kilometre. It also saves a lot of other data like the total distance you have driven fuel cost and much more. You can also use this app to monitor all your vehicles.
• Google Maps - Google Maps is the best and fastest navigation app on the market. It provides very accurate information about your current position and provides you with the shortest possible routes to the destination.

All these apps make the bike riding much more joyful. You must always follow safety rules for your safety while riding a motorcycle.

TIt would be best if you never rode without insurance. If you do not have bike insurance yet, you can even buy bike insurance online.

Anyone who has seen a person close to them in the hospital will agree that it is the most stressful time in their life. A medical emergency disturbs the lives of everyone around the affected person. The person who is battling a disease or any other medical condition goes through a lot of pain and suffers a lot. Along with that person, the people close to him also go through an equally stressful time. There is too much to look after. During those times, the financial burden can make everything worse. Medical expenses are rising continuously for many years. For many, it has become almost impossible to provide quality treatment to their family members out of their pockets. If the affected person has health insurance, it will lighten the burden on the people close to him, and everyone can pay attention to more important things in life.

Health insurance will provide you with coverage for a lot of medical conditions that you are likely to suffer from. The policy will cover most of the expenses that you will incur in the treatment. It will take the financial burden off the shoulders of your family members. This will, in return, help you as they will not be worrying about finances and can take proper care of you. If you do not have health insurance yet, you can quickly obtain one from one of the many online health insurance companies in India. Contact various health insurance companies to get health insurance quotes in India. Here are five explanations on why health insurance quote is essential:-

• It is the first step in getting health insurance. If you are looking forward to getting health insurance, you need to contact various health insurance providers and receive their quotations. The more you delay this step, the longer it will take you to finally sign the contract and get health insurance.
• Once you obtain various health insurance quotes, you can check which quote fits your budget best. You must not necessarily choose the cheapest quote. You should instead research coverage provided by the companies against their quotes and see which company gives you the best quote with all-round coverage.
• Health insurance quotes will help you be prepared on how you have to modify your monthly budget to accommodate the premiums. It might not be feasible to change your lifestyle overnight. Health insurance quotes will give you time to make small changes in life so you can better adjust to paying for health insurance.
• You can also contact the companies and check if you are getting all the available discounts. Many insurance companies offer various discounts on certain conditions. You must contact the insurance company after receiving health insurance quotes in India to talk in more detail and obtain a better quote.
• You can weigh the pros and cons of the policy financially after receiving the quote. The complete coverage policies might be too expensive for you. So, you might prefer opting for a policy with less coverage. Receiving the quotes will help you make a more informed decision.

It is crucial to have health insurance nowadays. If you do not have one, your family might fall into tough times, as they would have to go through their savings to provide you with healthcare. Health insurance benefits you as well as everyone around you.

When buying a car, you would take your time when it comes to choosing the right model, the right colour, the best safety features, the latest entertainment system, etc. This means that you should take the time to buy car insurance online since you would need to take proper care of your car. But what exactly is car insurance? It is a policy that covers the costs of any damages or injuries caused (to the owner or others) in the event of a car accident.

Here are some reasons why car insurance is so popular and why you need to get it: -

• It Covers the Cost of Repairing: When driving, there is a possibility that you might get into an accident or your car might break down. In such cases, you would most probably need to go to the garage to get the car fixed, and this costs a lot of money, mainly depending upon the kind of car you own. Having car insurance means that most of the costs of repairing the damages are covered by the policy; the insurance company would pay for any costs incurred, so you don’t have to spend a lot out of your own pocket.
• Could Pay for Others’ Damages: Again, when driving, you could collide with another car and not only damage yours, but also that car. If it happens to be your fault, not only would you have to pay for your own damages, you would also be required to pay for their repairs, which would cost a lot. Depending on the kind of insurance policy you have, it might also cover the costs of repairing the other person’s car as well, so you don’t have to pay for it yourself.
• Takes Care of Medical Expenses: Since car accidents occur quite frequently, car insurance policies also cover any medical expenses incurred due to any bodily damage. When you get into an accident, having to worry about paying your medical bills as well as fixing your car can be quite worrisome, which is why car insurance is necessary. Not only would you have the means to get your vehicle repaired, but a specific proportion of your medical expenses shall also be covered under the policy, as well as that of the other person involved.
• Compensation: Unfortunately, many car accidents end in death. When it is someone who was the sole earning member of the family or someone that had financial engagements, the death could have a negative impact on their family. By having car insurance, you can ensure that your family would be provided compensation if something of this sort were to happen.
• Supplements Health Insurance: Depending upon the kind of car insurance policy you have in place, you might have the means to cover medical expenses that your health insurance won’t cover. If you get into a major accident, there are chances that your health insurance might not cover all the costs, but your car insurance might help pay for those; you just need to choose the right one.

When you buy car insurance online, make sure to take the time to assess its positives and negatives. Compare it to others as well, so that you can be assured of the fact that you and your family would be financially protected in case of a car accident.

Almost everyone gets health insurance to make sure that their medical expenses are taken care of when needed; so that that they don’t have to pay a huge amount from their own pockets. Before you renew health insurance online or buy a new policy, you need to go over the terms and conditions and understand its provisions properly. However, there are many that either doesn’t opt for health insurance or choose one which does not provide optimum coverage, thinking that it will not come in handy when needed. Here are five common misconceptions people have when it comes to health insurance: -

• It Isn’t Necessary When You Are Healthy: This is as far from the truth as can be since health insurance covers not just illnesses or medical conditions but also injuries. With there being so many changes in the environment and lifestyle, it is not easy to predict any illness, and moreover, you cannot predict an accident. So, it is absolutely necessary to have a health insurance policy and to not avoid getting one simply because you think you are healthy.
• Does Not Cover Pregnancy: A widespread misconception is that your health insurance will not include a maternity program, but that is not true. Of course, some policies don’t, but most of them do. You need to do proper research since many insurance policies include pregnancy, as well as most maternity healthcare requirements.
• Cashless coverage is the Best: Many people believe that a cashless coverage insurance policy is the best way to go, but in such cases, you can only go to a hospital that comes under the network of the insurance company. If you want your medical bills to be paid entirely and directly by the company to the hospital, you cannot go to just about any hospital; you must go to one which is within the company’s network, or it will not work.
• Would-Be Paid Only If Hospitalised: It is a very common misconception that you would be paid only if you get hospitalised, and not otherwise. However, that is not true since your insurance policy also covers dental or optical services that do not require you to be hospitalised. When you buy a health insurance policy, you need to understand what is covered and what is not, and what the terms of payment are, so you do not end up getting into a financial problem when seeking medical assistance.
• The policy Cannot be Updated: The fact that your health insurance cannot be updated is not true at all. In fact, since these policies span over a while, there are small changes made to the terms and conditions. Moreover, if you want to make any kind of change to an aspect of the policy, consult with an insurance agent, and you would most probably be allowed to do so since situations and requirements change quite frequently.

No matter what you hear, if you wish to buy or renew health insurance online, go ahead with it. You must have such a policy for yourself and your family, so you are protected when the time comes; it is merely a matter of properly going over the terms and conditions of the policy to understand what it does and does not provide. Also, if you have any queries, you can seek help from an insurance agent.

Health insurance is an absolute necessity, and everyone must have a policy in place to be financially covered if there are health issues or injuries. To ensure proper treatment and to be able to pay the medical bills, you would most definitely choose the best health insurance in India for parents, yourself, and other family members. However, it is vital to keep in mind that you need health insurance when you travel as well since there is always the possibility of something going wrong. Here are seven reasons why tourists love health insurance: -

• Cover the Costs of Medical Bills: When you are in a foreign country, you would need to get a separate health insurance policy since your previous one will only protect you in your home country. By getting travel health insurance, you would rest assured that you have the means to pay for any medical expenses if there is any injury or illness since it can cost a lot.
• Covers Your Family Members Too: If you are travelling with your family, you need to get an insurance policy that includes not just your medical bills, but also your family’s. If required, as many people requiring medical care in a foreign country can be costly.
• Any ailments or severe health issues: If you suffer from a critical health condition, you might have to pay higher medical bills given the nature of complications. In such situations, it is best to opt for a higher sum insured so that you are protected from higher expenses.
• Connect to Healthcare Providers: Often, when you are in another country, you might not speak the local language, and it may become difficult to communicate with a doctor. Your health insurance policy will help you connect to a doctor and would ensure that it someone that understands you well to eliminate confusion.
• Post Hospitalisation Costs are Taken Care Of: If you have an accident or fall ill, you might need medical attention once discharged from the hospital. In such cases, your insurance will also pay for the costs incurred post-hospitalisation, so you don’t have to worry about paying a huge amount.
• Cover the Costs of Essentials: If it so happens that the airline you were travelling with loses your baggage permanently, the medical insurance may help you pay for any essentials you need. It happens quite often that your luggage gets lost somewhere, and you are left without essential items, especially if you have a medical condition, and so the policy will help you pay for such things.
• Sudden Change of Plans: In case if required for you to leave immediately and cut your visit short. Due to an emergency at home such as a fire, water damage, someone falls ill, etc., depending upon the kind of insurance policy you have, you might be able to book last minute tickets and get out without any additional expenses.
• Compensation in Case of Death: Unfortunately, if you were to pass away while travelling, due to an accident or an illness, your medical insurance provides the facility to transport your mortal remains to your family members or any contacts mentioned. Also, your medical insurance may financially provide for your family for a certain amount of time, especially if you are the sole earning member.

Medical insurance is, without a doubt, one of the most important policies you must-have, whether you are in your home country or travelling abroad since you might face medical problems at any given point of time. Make sure to only choose the best health insurance in India for parents, yourself, and other members of your family.

Buying a health insurance policy is a significant responsibility since it will determine how financially capable you are of dealing with any illness or accident. A health insurance policy will pay for a particular portion or all of your medical bills and will also provide access to proper healthcare, and thus, you must put in a lot of thought into the kind of policy you choose. Whether it is health insurance in India for parents, individuals, or other family members, you must not be influenced by what others say, and you must conduct thorough research before buying one. Here are five preparations you should do before purchasing a health insurance policy:

• Understand the Terms of the Premium and the Sum Insured: When you buy health insurance, you need to pay a certain amount of money regularly to the insurance company for maintaining the policy; this is the premium. On the other hand, the amount you receive is the Sum insured, and it depends on the premium. Thus, before you buy a policy, you must read all the terms and conditions and understand how much you need to pay and how much you will receive when needed.
• When to Buy Insurance: One key factor to consider is your age. You must make sure to buy health insurance at a younger age since you would most probably have enough time to pay for it and receive a good amount. If you decide to buy it later in life, you might already begin to have health issues and might not be able to benefit from the insurance policy. The younger you are, the more claims you can make.
• Employment Situation: Many companies and employers provide their employees with health insurance policies and also pay for part of the premium. While it is great to have health benefit provided by your employer, it is crucial to understand the downside to it too. In case you switch to another job or are unemployed for a while, you might not be able to avail of the benefits of that policy and might not be able to afford one soon enough. It is essential to evaluate the pros and cons of such a policy and to have your own health insurance.
• Whether They Provide Family Benefits: One crucial thing to consider before buying health insurance is whether it offers benefits to your family members as well. You need to find out whether it includes healthcare and financial benefits for them, too, and also whether they would be financially compensated if you pass away.
• Post Hospitalisation Care: When you get into an accident or have to go through a medical procedure, you might also require medical or financial assistance even after being discharged from the hospital. Before you buy insurance, check whether the policy also includes post-hospitalisation care, since that is important and could prove to be costly.

It goes without saying that having health insurance is extremely important, and the decision to get one should not be made lightly; you need to understand what the provisions are and what your role is before you buy one. With so many great options in the market, finding health insurance in India for parents, family members or yourself has become much easier today.

Nothing beats the feeling of cool winds engulfing you as you glide past the scenery on your bike. The bike is one of the most convenient modes of transportation that you can own. It is compact and can easily tackle the traffic. It is the easiest way to reach your office on time without suffering a backlash from traffic. Bikes have better mileage when compared to cars, and their maintenance is cheaper too. The bike is the most budget-friendly mode of transportation. You must always remember to drive with a helmet. It is for your safety and is mandated by the government. Not wearing a helmet while riding a bike will attract fines from local authorities.

There is a government policy that makes it mandatory to have your bike insured at all times. This takes care of the situation if you run into an accident, and there are third party damages that you will be unable to pay from your pocket. Having bike insurance protects you from the financial burden of the damages you will face in case of an accident. Bike insurances are more convenient than ever before. Now you can even renew bike insurance online. Here are some top stories about bike insurance: -

• Having bike insurance will protect you from third-party liabilities. Often in case of bike accidents, there can be substantial damage to other vehicles and surroundings. If you do not have bike insurance, you will be liable to pay them from your pocket. Failing to do so will involve a visit to the court. Bike insurance will take care of this financial burden, and you can ride stress-free.
• You will also have coverage for your bike. While there may be damages to the surroundings, your bike will also be heavily damaged. Getting your motorcycle repaired involves spending a large sum that you may not be able to afford at the time. This can leave you in a situation where you can no longer use your bike while you are saving money to get it repaired. Right bike insurance will cover all the damages, and your bike will be in running condition in no time.
• You will not face any penalties that come with not having bike insurance. The government has mandated that all bikes must be insured. You must also produce a hard copy of the insurance whenever asked by the authorities. If you do not have the hard copy of your insurance, you can be fined for Rs. 1000 and may even have to face a 3-month prison sentence.
• Peace of mind is necessary when driving a bike. Constant worrying will only distract you from the road and may increase the chances of an accident. Bike insurance takes all the stress away from riding a bike. You will not be fined by any official, nor will you be liable for any damages that you incur due to an accident.

Bike insurance serves many purposes. Though it does not mean that you can ride over the speed limit or without a helmet. Both of these measures are for your safety and safety of people around you. If your bike insurance is near its expiry now, you can renew bike insurance online. Bike insurance has never been more convenient ever before.

A lot of people around the world work hard and save their income to one day purchase a car. A car provides you with much more freedom and mobility than local transport. Having your vehicle allows you to do things according to your schedule. You will not have to schedule your entire day according to local transport timings, nor will you be stuck in long lines and crowded transportation services. You can be wherever you want, whenever you want to be. It is beneficial for family trips and casual outgoings. Having your car will also provide you with much more feasibility during an emergency.

Getting your car insured is very important after purchasing it. The Government has made it mandatory for vehicles to be insured. If you are caught by an official and are not able to produce a hard copy of your car insurance, then you will be fined and may even have to serve a prison sentence. If your car is not yet insured, you can get it insured online. You can obtain car insurance quotes online from different insurance providers and choose whatever works best for you. Before finalizing the deal here are five things you must know that nobody might have told you about car insurance quotes:-

• You will get different car insurance quotes from different companies. All companies have their algorithm to reach the amount they are going to charge you. These algorithms use various factors and are developed by top actuaries.
• You can get discounts on your quotation. Before signing the contract, you must make sure you are getting all possible discounts for your car insurance. There are various discounts offered by insurance providers, and they differ from one institution to another.
• You must make sure that the current quotation will cover all third party liabilities as well as damages to your car. Some insurance companies may try to lure you by sending you low quotes while not providing complete coverage. Before signing the contract, you must always make sure that you are getting comprehensive coverage from the insurance.
• You must enquire whether the quotation amount will decrease if you pay the amount in a lump sum. Most of the companies give attractive discounts if you pay an annual or semi-annual lump sum amount. This discount adds up over a long time and will save you a considerable amount of money over time
• You will get higher quotes from branded insurance providers. You can find right insurance providers that are not branded that provide sufficient coverage and have cheaper quotes. This does not stand to mean that branded insurance providers are bad. They sometimes have needless coverage amounts to justify their quotations. Often when involved in an accident, you will not require that much coverage. Non-branded insurance providers will work well for you. Before signing a contract, make sure everything is in order and that your coverage is enough to cover for most damages.

Knowing these five facts will help you get the best insurance policy for your car. Having insurance is not a license to drive recklessly. Some people put themselves and their surroundings in danger as they know they will get coverage if they get into an accident. It is your responsibility as a good citizen to drive safely and within proper guidelines.

A personal vehicle is a huge blessing. It provides you with much more freedom and mobility that you will have otherwise. Having your vehicle means that you can go around the area without any restrictions on time. It’s also beneficial to have your vehicle in case of emergencies. If you are in an emergency that requires you to visit someplace else, you can straightaway set out for the destination. Otherwise, you would have to book and wait for the cab service, which will take precious time. A personal vehicle also enhances your freedom as you will not have to depend upon local transport for going from one place to another.

Purchasing a motor vehicle is an expensive decision. A personal vehicle can cost you many times your monthly salary. It is essential to take excellent care of it. Even though you are taking good care of your motor vehicle, accidents do happen. An accident can leave you in a precarious situation as you would have to spend a considerable amount to get your vehicle repaired. This can be a substantial financial burden. The possibility of running into such a scenario makes motor insurance extremely important. If you have motor insurance, you will not have to worry at every turn for a minuscule possibility of an accident. Before signing up for motor insurance, you should obtain motor insurance online quotes from different insurance providers to see which policy best suits you. Here are five doubts that you should clarify about motor insurance quotes: -

• You should ask your insurance provider about the coverage under the present quotation. Some insurance providers may try to lure you with cheap quotations that do not provide complete coverage for your vehicle. This insurance policy will leave you helpless in case you have an accident.
• You should clarify how often you will have to pay the premium. A cheap quote loses its meaning if the insurance provider makes you pay it more often.
• You should ask your insurance provider if he has provided you with all the discounts and savings available. There are many different discounts in an agency depending upon age, gender, insurance score, etc. Many factors are calculated while arriving at the premium amount. You must make sure your insurance provider gives you the best rate possible.
• You must ask if your premium amount will remain the same or if it will decrease over time. Many factors are used to arrive at the quotation change as time passes. Also, there is a no-claim bonus that will give you a discount on premium if you do not claim insurance in the period. You must have full disclosure on present and future premiums.
• You must enquire if paying your premiums in a lump sum may reduce the quotation. Often companies give discounts if you pay the premiums annually or semi-annually. This can save you a lot of money over time.

Obtaining motor insurance online quotes will save you a lot of time. This will give you a rough estimate of what you can expect from the insurance provider. It does not beat sitting down and clarifying everything with an insurance agent. Still, it provides you with some information so that you are not going in blindly.

Buildings and houses are constructed very carefully; they are correctly planned and are built in a way that they can withstand any calamities or damages to the maximum extent possible. One common form of protecting houses from excessive heating or the weather is external cladding, which is the method of covering one material with another under high pressure and temperature. There are different kinds of materials that can be used for cladding, such as vinyl, aluminium, wood, etc. Still, these materials run the risk of catching fire and causing harm to people as well as the environment. Just like you would need to go with the best car insurance company in India for your car, you would need to choose the best fire insurance to protect your house.

Here are ways to control fire loss due to external cladding: -

• To Avoid Flammable Material: While almost any cladding material runs the risk of causing a fire, there are some which are more flammable than the others, such as APCs or Aluminium Composite Panels since they have a plastic-based core. When getting the house constructed, always make sure to use a material that is less likely to cause a fire or is less likely to help the fire spread; some materials are certified as being safe, and those are the ones to use.
• Check the Material Used: If you are not getting a house constructed but are buying an already built one, make sure to check the Material used for external cladding. Ask for the blueprints to the house, fire engineering reports, and also other details about the external materials, so you know how likely the cladding is to cause a fire. While it is expensive to change it, if you ever get your house renovated, do not forget to use a non-flammable material.
• An Effective Sprinkler System: Every house or building comes with a sprinkler system that automatically goes off when there is fire. You must ensure that the system works effectively and can detect fire or smoke since many sprinklers stop working after a while. Also, ensure that sprinklers are located everywhere in the house so that one outlet does not have to bear the burden of putting out the fire.
• Assess Other Connections: When constructing a house, numerous connections are going all around the house, whether they are water pipes, electrical wires, or other panels or boards. If there is a fire due to external cladding, these connections might be affected and can aid the spread of fire. You must be well aware of where all the connections are so that when needed, you would be able to determine the most dangerous spots and can try and control the fire.
• Handle Hot Objects with Care: Many residents have access to a terrace or balcony space, which they use for barbeques or even merely to smoke. If these objects are not handled carefully, then that can be disastrous. For example, a barbeque left on or is too close to the structure, chances of catching fire are very high.

There are numerous measures which are taken when there is a fire, but it is even more important to do everything you can to avoid getting such a situation in the first place. Since the whole purpose behind external cladding is to protect the house, make sure to use the right material and to assess the structure to avoid any risks.

Almost everyone today owns a car, which means they would most probably either already have a car insurance policy or would be looking to buy one soon.

For those who plan to buy one, there are many things to consider. Since the policy would provide financial cover in the event of an accident, either for the repairs/ any bodily harm, or both, hence, you must do all the necessary research. One should choose an insurance policy that not only suits your needs the best but also offers maximum coverage.

Here are five mistakes that most people tend to make when buying car insurance: -

• Opting for a low premium: The premium is the amount you regularly pay to the insurance company towards the policy, and often, many people choose a policy that comes with a lower premium.
• Comparing policies only based on price: Car insurance prices in India vary from company to company, and while paying a low premium might seem easy on the pocket, but you may not get a lot of benefits or the needed coverage out of it. Before you pay any amount, make sure to go over different policies, compare them, and then choose the one which offers maximum coverage.
• Not registering the vehicle: As a car owner, you must register the car or transfer the ownership to yourself since that is the only way to make the insurance claims when needed. While many forget to do so, others purposefully avoid it, to not pay the taxes, and end up not benefiting from the insurance policy.
• Not doing enough research: While asking friends and family or the car dealership about suitable car insurance is always a good idea, it would be stupid not to do the research yourself. You must make sure to go over different car insurance policies and compare their terms and benefits before you choose the one that suits you best. If you do not do so, you might end up paying higher than necessary or might opt for a policy that does not offer optimum coverage.
• Not reading the policy: Whether you are yet to select a car insurance policy or are about to sign on one, one of the worst mistake that you can commit is not reading the terms, conditions, and coverage of the policy. Unless you read it thoroughly, you will not know what it does and doesn’t cover, how much you need to pay, when and how much you would need to pay out of your pocket in some cases, etc.
• Not updating the policy: There are always changes in your everyday life, which in turn influence the kind of car insurance you would need (it could be related to where you live or work, where you drive most often, the rate of theft around your area, etc.). When you choose an insurance policy, you will go with the one whose terms and coverage align with your lifestyle, and thus, it makes sense to update your policy if there are any changes in your everyday life.

Keep in mind that the car insurance prices in India will differ everywhere, as will the terms, thus making it very important to research thoroughly before buying such a policy.

Health insurance is something that every single person should have at all times, so they are protected from any unnecessary or substantial expenses in case there is any harm to life or threat to health. However, before you go with a particular health insurance policy, you need to have all the necessary information about it, such as the premium to be paid, the coverage, the validity, exceptions, etc.

You need to make sure to choose only the best health insurance policy in India, not just for yourself but also your family. Here are five reliable sources to learn about health insurance; you end up making the right choice: -

• A Health Insurance Agent: One of the best sources to learn about health insurance is an agent. A health insurance agent is well aware of all the terms and conditions of the different policies and can provide you with all the information you need. Whether it is about the premium you need to pay, find out about all that it covers, and doesn’t, what fees you need to pay, what some other benefits are, etc. Agents know about the policies of their own company and can also give you some vital information about health insurance in general.
• Your doctor: Your general physician, or the doctor you have been going to for years and who has all your health records, is another excellent source of information when it comes to health insurance. Since they are quite involved in the health industry, they would be able to advise you on what the insurance policy must cover depending upon the condition of your health.
• Your place of work: It might not seem as if your employer would have information about health insurance, but that is not true. Many companies provide their employees with health insurance or pay for a significant part of it, and thus have a lot of information about health insurance in general. If you are seeking information about health insurance, your employer might be able to help, especially since companies keep detailed records of such policies. If you work in the healthcare industry, you have an added advantage.
• The Internet: With almost everything available on the internet, it is not difficult to find the best health insurance policy in India online, given the number of insurance company websites as well as general websites that compare different policies. You have the option of going through the websites of different health insurance companies and collecting information about the various policies, or you can read different articles that compare health insurance policies, and then find out more about some particular ones. The internet is an excellent source of information for everything, including health insurance.
• Your Family: Believe it or not, your family members can help you choose the best policy for you and your family. Since they have been through the process of finding a good insurance policy numerous times, they can help you understand the terms and conditions and can help you find one which suits your needs the best. However, be sure to verify it with an agent.

Having Health insurance is extremely important, and so, you must only consult with the most reliable sources when finding out about it; having inadequate or incorrect information can prove to be detrimental in the future.

With almost everyone, a driving car these days, the chances of accidents have increased, and there is always the possibility of the vehicle needing repairs. Both of these cases require a lot of funds, which is why you need to get car insurance online in India immediately. Having car insurance means that you would be compensated if your car faces any damages if you get into accident or needs repairs. However, what determines how well you would be compensated is the sum insured, which is the maximum amount that the insurance company would pay you in such situations. It depends on the premium you pay.

Here are some determinants of choosing the right sum insured for car insurance: -

• Your age: Your age has a lot to do with the sum insured that you want for your car insurance policy. If you are younger, you can insure a low amount and then increase it gradually over the years. If you are older, it is best to have a higher sum insured just in case you need to take care of growing medical bills. Being in an accident may require you to either pay for the damages or hospital bills, and the amount for the latter could be higher if you are older and relatively weaker.
• The condition of your health: It may seem odd, thinking about your health when deciding the sum insured for your car insurance. But the status of your health largely determines the kind of treatment you would need if you are involved in an accident, and also the expenses. If you are healthy and free of ailments, you should choose a lower sum as opposed to you being older and less active and agile, which might complicate the treatment procedure and lead to higher expenses.
• Any ailments or severe health issues: If you suffer from a critical health condition, you might have to pay higher medical bills given the nature of complications. In such situations, it is best to opt for a higher sum insured so that you are protected from higher expenses.
• Your income: A very vital factor to consider is your level of income. Whether you want a higher sum insured or not, your income determines how much you can pay towards the insurance. If you just began earning or do not earn a lot, it makes sense to have a lower sum insured, since you would have other expenses to take care of. On the other hand, if you earn a decent living, opt for a higher sum insured for full coverage.
• Lifestyle and daily activities: The kind of area you live or work in, how you commute, at what hours, how much you drive the car, etc. determine the type of plan you would need, and thus would also determine the sum insured. If your lifestyle is such that there are more significant risks of getting into an accident or requiring frequent repairs, it is best to go with a higher sum insured so that you would be financially covered when the need arises.

It is not enough to buy car insurance online in India; you need to understand its terms and conditions and choose the sum insured that suits your needs and situations best.

Right from childhood apart from studies we are taught about being safe in general, there are numerous ways in which you could hurt yourself, and thus, it is essential to know the dos and don’ts in your daily life. Something quite likely to cause a lot of damage is fire; no wonder today people have become more concerned about finding the best fire insurance policy in India so that any costs incurred due to fire damage are covered.

Here are five things your parents would have surely taught you about fire safety:

• Know the Emergency Number: Regardless of whether you are a child or not, it is highly necessary always to remember the fire emergency helpline number, which happens to be 101 in India. While there are some steps you can take if there is a fire, it is always better to call the fire department to ensure that there is no trace of the fire left. Moreover, as a child, if there is no one around, you were most likely not able to do much, and calling them would be the only option.
• To leave immediately: If you see a fire, especially one which is growing, you should leave the premises immediately. There is no saying how the situation might escalate, and you might end up getting hurt or severely injured if you stay indoors or hide somewhere.
• Electrical fires: One of the most common reasons for a fire is electrical. Often, there is a shortage of power, or the wires might break, causing a fire. You must know never to try to put it out with water since you might get a shock.
• Don’t play with flammable objects: Every household has objects such as lighters, matchboxes, candles, and other flammable ones, which could potentially cause a fire. It is essential to explain to children what these objects are for, and what damage they could cause if played with, like fire can be harmful and how these objects make use of fire, instead of merely keeping them away, especially since children are curious by nature. Also, when cooking, children should not be allowed near a burning gas and should not be left alone in the kitchen.
• Keep heaters and other appliances away: Most people use heaters during the winters to keep warm, and they must take precautions to keep such appliances away from the reach of children. You must ensure that their toys are nowhere near the heater or that they don’t play around such appliances since there is always the possibility of knocking it over and causing a fire.

While it is very crucial to take all the precautions when it comes to fire and to teach children about its possible threats, it is also essential to have a fire insurance policy in place to cover any costs due to fire. You must make sure to choose only the best fire insurance policy in India to ensure that you would not have to pay a considerable amount to repair any damages.

With so many options in the market today, it is no longer a difficult task finding the best personal accident insurance policy in India still, before you buy one it's essential to know a few things.

First and foremost, what is accident insurance? It is a type of insurance that provides the insurance holder with compensation, in the event of an accident, death, dismemberment, loss of sight or other senses, medical expenses, etc. It is important to understand that it is not the same as health insurance but is complementary to it. Since choosing accident insurance is a significant decision, here are some points to consider: -

• What Does the Policy Cover: One of the most important factors to take into consideration when choosing accident insurance is what all does it cover. It must include all the daily activities(mode of commute, work environment, residential locality, cause of calamity such as fire, water, etc.) which could lead to an accident, at home or elsewhere. The more it covers, the better.
• What are the Benefits of the Policy: Accidents or injuries is a broad category, and it is imperative to know what the benefits are that come with the insurance policy. It would be best if you found out whether it includes permanent/temporary and total/partial disablement, loss of senses (eyesight, hearing, etc.,), accidental death, and others, along with whether there is an ambulance facility and it covers hospital bills. The nature of your daily activities will largely determine the benefits that come under the policy.
• What are the Benefits to the Family: It is not enough to find out about the benefits that are provided to the insurance holder; you also need to know about the benefits being offered to the family. In case, there is a death, permanent disablement or loss of income, the policy which provides the maximum benefits to the family and promises to cover major costs is the one to buy.
• Find Out About the Company: Something vital that you need to take into consideration is the insurance company's reputation. Make sure to go with one which has managed to build its standing in the market for years and has a solid background. Since accident insurance has a lot to do with your life and health, you must do all the necessary research and take the time to choose a well-reputed company.
• The Premium that Needs to be Paid: A very crucial aspect of any insurance is the premium that you need to pay, and it is the same with accident insurance. Premium is the amount that needs to be paid regularly to maintain the insurance's validity. You must select a plan wherein the premium is well within your budget, and there is a balance between the premium being paid and the benefits provided.

When it comes to a matter of life and health, there is no room for complacency. You need to make sure to choose only the best personal accident insurance policy in India if you want expenses to be covered and relief to be provided in the event of an accident or calamity.

There are thousands of tourists in India at any given point of time. While many stays in one city or area for the entire duration of their stay, others choose to move around and explore. One of the most common ways of discovering new places is renting a car. As someone visiting another country, you would love to see all that you possibly can in the short time that you are there and driving around is great to do that. However, it is essential to keep in mind the necessity of car insurance. Here are five reasons why tourists make it a point to get car insurance: -

• Covers the Costs of Repairs: As someone coming from outside the country, there are high chances that you don’t know how to drive on the right side of the car. While it is possible to learn how to do so, there can be an accident. If that happens, having car insurance in place helps because it’ll cover the cost of repairs. Depending on how severe the damages are, having the costs covered can be of great help, since they can be quite expensive.
• Provides Extensive Financial Protection: Again, the costs to be covered would depend mainly upon how severe the accident and so, having insurance would protect you from significant expenses. Whether there is vehicular damage, minor injuries, loss of sight, disablement, or even death, car insurance would cover the costs or provide compensation. You would not have to pay a lot out of your pocket since the insurance would take care of medical bills or repairs.
• Reduces Liability: If there is an accident, there are chances that someone else was affected as well, whether it is damage to their vehicle or whether they were physically hurt. By taking Third Party Liability, you would not only be saved from having to pay for their damages but also from the legal ramifications; the insurance would cover all that. Getting Third Party Liability is mandatory in India. By getting car insurance, tourists can avoid getting involved in legal procedures while visiting.
• Covers the Cost of Treatment of Passengers:
• By opting for the best car insurance policy in India, you would protect yourself from extensive costs due to a car accident (either medical bills or repair costs). There are high chances that your co-passengers would be protected. If during an accident, not just you but your co-passengers get hurt, the insurance policy would also compensate for their damages; it would cover hospital visits, medical bills, any surgeries or operations, etc.
• Compensation after Death: Unfortunately, driving cars can lead to not just accidents, but, the accident can cause death as well. In this case, the car insurance policy you have chosen could provide compensation to the family, depending upon its terms or coverage. The demise might seriously affect the daily life of the family, and the insurance policy might help pay for their expenses.

Whether you are a tourist or a native, finding the best car insurance policy in India is no longer a difficult task since there are hundreds in the market. All you need to do is thorough research and choose the plan which offers maximum coverage and compensation in the event of a car accident.

Given the current circumstances, social distancing is the need of the hour as all offices in most parts of the nation are opting for ‘Work From Home’ approach. We bring you a few guidelines that will make this happen with similar efficiency and harmony as you work in the office.

Refer to the below checklist for productive results.

Get ready

Create a regimen and follow it. Some of the most successful business leaders get ready daily for work, although they don’t need to. It gets you into the mood. Please remember that it is work from home and not relax from home.

Create a boundary between work and leisure.

Don’t work from your bed/sofa. Your sofa/bed is the place where you relax, watch Netflix, schmooze. The office cannot be operated out of bed. You will not be able to do justice to important discussions.

When you have to leave your bed and go to the office, you create a sort of distinction which is difficult to import back home. It’s especially difficult right now when you have schools closed and kids at home; Malls, Cinema and Gym closed.

Follow your daily work routine ( With some modification)

• Continue making your daily plan / Morning huddles / Morning meetings
• Share your plan with your supervisor and colleagues who require to see

• Keep your supervisor informed.

• What are you going to accomplish in the morning
• How are you going to take breaks
• When are you going to stop working
•  

  Create trust

  In the office, you are surrounded by people whereas when you are at home, you have less information about your colleagues. You cannot just walk across and close your dealings. You cannot gauge their reactions from non-verbal cues.

  People will evaluate by outcomes and not by the extent of your effort

• Set explicit goals and to-do list with your supervisor
• Discuss and agree with your supervisor and colleagues
• Commit timelines and honour them.
• Extra-communicate with your colleagues. If you’re getting up and going for a walk, let that person know. Activate “away from desk” notification if possible
•  

  Use Teleconference tools

• Set up zoom/skype/WhatsApp meetings.
• Prepare for the meetings and run professionally. Check The Link To Know More
•  

  Take breaks and build physical activity

  Utilize the time that you will save by not commuting. Go for a quick walk or do bodyweight exercises at home.

  You will not get enough movement by pacing between your desk, refrigerator and the kitchen.

  Please note that work cannot suffer because that is how we all get paid.

We’re always talking about how densely populated India is but have you ever stopped to think what it means for us? Well, the metros are over-crowded for one, but there is more. 

It also means more people have to share the same amount of resources. Something as basic as healthcare becomes more expensive for most.

Our country’s total expenditure on health as per WHO statistics was 4.7% of our GDP (2014). This cost is only rising due to our sedentary lifestyle and the external factors like climate that we expose ourselves to on a daily basis. As much as we love our junk food and comfortable chairs, they really aren’t helping our health.

So, at a time like this, what can one do?

This is where health insurance comes in handy, even if we faced the same health problems as the generations before us, the prices we would have to pay would be a lot more due to inflation. But a good health insurance can work as a safety net that protects you from these expenses. There are things such as family medical history, environment and even our lifestyles that aren’t completely in our control, but how prepared are we for unforeseen events are.

But besides countering the effects of our changing lifestyles and rising medical costs, health insurance also gives you some additional benefits such as tax deductions. We know, a lot of people don’t invest in health insurance because they think it’s expensive but if anything, it’s helping you save money on two fronts – medical bills and taxes. All payments made as premium for your insurance are eligible for tax deduction under section 80D of the Indian Income Tax Act. In simpler terms, the amount you pay as premium is deducted from your total taxable income.

Now you might be thinking that you are healthy, and you wouldn’t really need hospitalisation and thus, health insurance. But here’s where you are mistaken. Health insurance doesn’t just help you during hospitalisation but throughout – from getting free health check-ups to day-care treatments and even dental procedures. Now, who doesn’t need a dentist every now and then, right? Moreover, you might be healthy now, but what about 10 or 20 years down the line? You can never be sure of your health then, but you can be sure that health insurance will be there to protect your finances.

Planning for the future is a must in this day and age. The ease of technology leaves you with no excuse but to click a few buttons to secure yourself. Health insurance is cited as one of the best investments that one can make. Not only does it lead to better financial planning, but it also removes a lot of questions you may have when an unfortunate situation does arise.

Choose a plan tailored to your needs and stay assured that if you ever need healthcare, you have something to fall back on.

Though there are many Online Health Insurance Companies in India, Magma HDI is a one stop shop for all your needs from a Health Insurance Policy Renewal or getting a new policy.

It's an old adage "New or Old - Home is where the heart is". Whether you have moved into a new house or have just had your entire house renovated, you want to make sure that it is safe from calamities. You need to make sure that you can reduce the damage to your house in case there is a natural disaster and that you won’t need to pay a hefty amount trying to fix that damage. One of the best ways is to always have home insurance. With there being so many in the market, it isn’t that difficult to find the best home insurance in India. Here are some ways to secure your home against calamities: -

Get Home Insurance: Always having home insurance in place is one of the best ways to protect your house from any calamities. Home insurance will cover a certain proportion of the costs of repairing or will protect against any damage due to fire, a flood, an earthquake or other such disasters. So, if there were to be a calamity, you wouldn’t need to pay for all the costs of repairing from your own pocket; the insurance company will pay for most of it. Do a little research and choose only the best home insurance in india.

• Have a strong foundation: If you live in a house and not an apartment in a building, make sure to bolt the house to the foundation. When constructing or renovating the house, make it a point to secure the house to its foundations so it won’t be uprooted when there is an earthquake, especially if you live in an earthquake-prone region.
• Know how to turn off the utilities or electricity: When there is a natural disaster, the chances are that you won’t really have a lot of time to turn off all the electrical switches, water taps or the gas. So, you must always be prepared. Know where the main electrical board is or where the main source of the gas is, so you can just turn them off during an emergency instead of scampering around trying to turn off individual taps or switches.
• Do not put off any repairs: Whether there is a tap leaking, a hole in the wall or the roof, or the door isn’t properly hinged to the wall, do not procrastinate when it comes to fixes these problems. You cannot predict a disaster, and when it does hit, the slightest gap or the smallest hole will allow water to enter into the house and eventually flood it. In case of a storm or tornado, a loose door could ultimately break, and you wouldn’t have much protection from the strong winds or the damage they may cause.
• Try to use fire-proof materials: Trying to construct the house entirely with fire-proof material is not possible. However, the wires used must be all fire-proof. During a natural disaster, wires can possibly cause a fire, and using water to put it out would only be more dangerous. So, you must make sure that the wires you have running all over your house will not catch fire.

Being a homeowner, you need to keep a lot of things in mind to ensure that your property is safe from any damages and a natural disaster is something no one can predict so the only option is to be fully prepared.

There really isn’t the right time to go on a trip. Sure, you might need to take fewer leaves from work or school if it’s sometime in June or December when everyone is on vacation. But a vacation is a vacation. And it’s an exciting time; you are busy making plans about all that you’d do once you get there, all that you need to buy before leaving, packing up your suitcase and other such things. But that isn’t all. You shouldn’t get so absorbed in making all the plans that you forget to be thoroughly prepared for the trip. For instance, to safeguard your car when you are on your vacay, you should get it insured from the best car insurance company in India. There are some tips you should always keep in mind when travelling, no matter where. Some of them are as follows:

• Keep your belongings in a secure place: When you are travelling, there are chances of being pick-pocketed. Try keeping your wallet and identity proof in an inside pocket if possible or keep your bag towards the front side if they are kept in there. When staying in a hotel or hostel, do not keep your belongings scattered around and keep your luggage locked at all times. If you are travelling abroad, keep your passport and other documents in a locker if available.
• Be aware of your surroundings: Make sure to research well about where you’d be staying. Do not forget to find out details about the area where you’d be lodging. If you don’t, you might end up staying in an unsafe or dangerous neighbourhood. In case you do end up in such an area, try not to go out after dark, especially alone.
• Keep people informed: Whether you are travelling alone or with friends or family, it is always a really good idea to let people know where you are and what you generally intend to do that day. This way, in case something were to happen, or you aren’t able to contact anyone during an emergency, they would know where you are and can perhaps get to you or could inform the authorities if need be.
• Be careful when using public Wi-Fi: It is great to have Wi-Fi around you, so you don’t need to use up your mobile data but be careful when connecting to it. If you end up connecting to a network that isn’t secure, you could fall prey to hackers who might steal important information from your phone such as bank details or might even obtain your house address etc. It is key that you practise caution when using an unknown network since you could become a victim of cyber-crime.
• Beware of strangers: There is absolutely nothing wrong with making friends when out on vacation. In fact, it is great to make friends in different places. However, you mustn’t trust just anybody you meet. You can never really know - someone’s intentions so you must avoid giving out personal information or going just about anywhere with people you have just met.

Trips are a great way to destress and just have a good time, but it is necessary to be careful when travelling. You must take good care of your things, including your vehicles. For instance, if you plan a road trip with your friends, do not forget to choose the best car insurance company in India, so you are protected in case of a problem.

Medical Science has grown by leaps and bounds, so has medical expenses. With the rise in medical costs, a common man can no longer hope to provide his family with quality medical treatment without a health insurance policy. Health insurance is important as it takes away the financial burden in times of such despair. You should always remember to renew health insurance online or offline before it expires, as per your preference. Nowadays having single health insurance is no longer sufficient though. Even though medical costs keep increasing over the years, insurance policies have not kept up with that pace. Many insurers don't provide medical cover over a certain amount, which sometimes is not sufficient.

Thus, individuals are allowed to hold multiple health insurance policies as long as both the insurers are privy of it. All the insurers must know that you have multiple health insurance policies, else they might be deemed void, or your settlement may be reduced. While there are no problems over holding multiple health insurance policies. Many people don't know how the situation will play itself out. There are various things to remember so you may not face any unnecessary obstacles in claiming your entire settlement amount: -

• When a claim does not exceed the sum insured under a single policy, it is up to your discretion to choose which insurer to approach to settle the amount. Various things like NBC benefits must be taken into consideration while making up your mind on which insurer to approach. There are no specific guidelines that you need to follow and you have entire liberty in this matter.
• When claim exceeds the sum insured under a single policy, it is up to you to decide whom to approach first. The insurer you approach first will settle the claim up to the limit stated in your agreement with him. The rest of the claim amount will be settled by the second insurer.
• You cannot gain raise a claim for more money than your expenses. That means you cannot ask both insurers to settle the maximum amount of your policies.
• In case of a cashless settlement, TPA will agree to settle your expenses to the maximum amount that can be settled, rest you have to pay by yourself. Later on, you can submit proper bills to the second insurer and will be reimbursed for your expenses.
• To make the claims, you must submit several important original documents to the insurer. They are general bills and receipts, discharge form, prescriptions, diagnostic tests, and X-rays and other scans. The documents must be attested. To make multiple insurance claims, you must make sure to receive multiple attested copies of all the documents from the hospital.

With all these points, you will face no issue claiming multiple insurance covers. Having multiple insurance policies is generally beneficial as they might have different clauses regarding critical illnesses. You can better secure your future by holding multiple insurance policies instead of one. Also, you must renew your health insurance on time; accidents can happen anytime. You can do so from the convenience of your home and mobile phones as now you can marine cargo insurance policyrenew health insurance online. Still, you must never forget that precaution is better than cure. Just because you have good coverage on health insurance does not mean you stop taking care of your health. Some things when lost can never be regained.

One of the major determinants of how you live your life is your financial condition. It cannot be emphasized enough that you need to carefully plan out your finances not just for the near future but also for your old age. If you find yourself in a financial fix, the chances are that things might just get worse from there and it might take a lot to turn that situation around. One of the best ways to ensure you live a worry-free life is to properly manage your finances. Here are few ways in which you can stay financially healthy: -

• While a large number of people depend on a card to make payments, it is a smart choice to say goodbye to credit cards. Since you need to pay for the expenses you make on your credit card, you can always run the risk of going into debt. As more purchases and interests keep adding up, you might find it difficult to pay your credit card bills. Instead, maybe use a debit card since the money will directly deduct from your bank account every time you make a purchase, and you don’t need to pay any debit card bills.
• Begin thinking about a retirement savings fund. Since you can only work for so long, it is important to plan in advance. Start saving money from today itself and add it to a retirement fund, so you are financially secure when you grow older. Not having any money saved for old age could prove to be a major headache especially if there are medical bills to pay.
• One of the simplest ways to become financially healthier is to cut out any unnecessary spending. This might be very common advice, but it is easier said than done. You need to keep in mind that your financial situation could change any second and that you should always be prepared. All expenses ultimately reduce your savings, so spend your money wisely, only on what you really need, with a few occasional indulgences.
• Think about insurance. Now, insurance is a broad category. There is vehicle insurance, health insurance, travel insurance, property insurance, etc. You can never really foresee any adversity, so it is best to be prepared. Make sure to go over the terms of the various insurance policies and keep renewing them regularly to avoid having to pay large amounts of money from your pocket when the situation arises. For example, there are many online health insurance companies that you can check out. You just need to find one that suits you best.
• Another easy way to be financially healthy is to make a budget. At the beginning of every month, plan out a budget based on your account and normal economic activities and try to stick to it. If you can manage to spend just as much money as you had planned for, you will end up saving a ton of money in the long run since you would have avoided any unnecessary expenses throughout the month.

Whether it is finding a good online health insurance company, switching to debit cards, looking for further sources of income, investing your money, you must contemplate your financial decisions thoroughly. Money is extremely important to determine the quality of your life and must be used very, very carefully to avoid any complications in the future.

The term “health insurance” is something that you must have heard multiple times. Both the government authorities, as well as the insurance companies, are aggressively creating awareness regarding health insurance. But what exactly is health insurance, and why do you need to get one immediately? Health insurance is essentially insurance that will cover complete or part of the medical expenses if you were to fall seriously ill, had a major accident or require a medical surgery of any kind.

• Since these situations would otherwise require you to spend a substantial amount of money, it is always a good idea to subscribe to a comprehensive health insurance policy. Not only should you have a health insurance policy in place, but it is also essential that you pay attention to timely health insurance policy renewal as well. Before availing a health insurance policy, here are some terms you must understand well: -
• Deductible: In simpler words, it is the part of the medical bills or expenses that you pay on your part while the insurance company pays for the rest. Based on the percentage of the risk you are willing to cover, the company will decide the deductible and the amount it will pay.
• Premium: Premium is the amount that you would pay to the health insurance company for subscribing to the insurance policy as well as for its renewal. Depending on the insurance company, the premium could be paid every month, once a quarter, or once in a year. In case you are part of a group insurance policy at your workplace, your employer will most likely pay the premium. Failure to pay the premium could lead to termination of the policy and forfeiture of any accumulated benefits.
• Grace period: - In case you are unable to pay your health insurance policy renewal premium by the due date, the insurance company will offer you a grace period of up to 30 days. If you pay the premium during this period, your health insurance policy will stay in force, but if you fail to pay the premium during this period as well, the policy will be terminated, leaving you unprotected.
• Floater Plan: - This is a comprehensive health insurance policy that covers multiple persons in the family. Yourself, your spouse, kids, and parents can be included under the cover of this plan. Having a floater health insurance policy removes the need for having separate insurance plans for every family member.
• Free-look period: - Also known as the cooling-off period, this period specifies the number of days you have since the issuance of the policy to cancel it. In case you are not satisfied with the new health insurance policy and cancel it during the cooling-off period, the insurance company will refund the premium amount after deducting some costs. But once this period has lapsed, no premium will be refunded by the company if you decide to cancel the policy.

When applying for a health insurance policy, it is of utmost importance that you fully understand all the terms, which also include co-payment, coinsurance, etc. Since it pertains to a very serious aspect of your life, you must make an informed decision when choosing a health insurance policy and you must keep in mind the terms of the health insurance policy renewal too.

If you prefer bikes over cars, either because you are looking to save money or just because you like the feel of whizzing past the many cars, there are many options for you. There are many out there just like you, and to cater to their needs, the motorcycle industry is constantly coming out with new bikes, each with their own special features. However, while it might be fun to ride a bike because of the thrill it offers, it is of utmost importance that you drive within the speed limit, always wear and helmet, don’t get too adventurous (especially amidst traffic) and are have an insurance in place to cover any damages that may occur in the future. If you are looking to buy a bike this year, here are the top 5 bikes to look forward to in 2020: -

• Honda CB500X: Built for the adventure lovers out there, the Honda CB500X comes with a free-spinning two-cylinder engine, long-travel suspension, and a diamond-tube frame which makes it easy to handle and balance. At the height of 830mm, the seat offers excellent visibility and makes the riding position quite comfortable as you’d be able to sit upright. The bike is made in such a way that you can drive it on any kind of terrain. Also, it comes with a clear information panel to give you exact details about mileage, speed, fuel etc.
• Suzuki SV650: Since the introduction of this model in 1999, it has gone through a series of improvements to make it what it is today. With a polished powerplant, the bike has low emissions, great fuel economy, and overall excellent performance. The bike has a trellis-style frame built with high-strength steel tubes, which make it lightweight. The bike is built in such a way that it offers manoeuvrability, plenty of lean angles along with great comfort.
• Yamaha XSR 155: Do not be confused by the slightly retro look of the bike. It has been designed in a way that gives you support, comfort, control and speed. The bike, much like its previous counterparts, has a Delta-box frame which makes it lightweight. The seat, made in leather, is a single-piece seat. The handlebars are slightly raised, which is what adds to its retro look. You can see where the single-cylinder engine is on the bike and the tank is slim.
• Honda CB650R: The bike comes with a four-cylinder engine, which makes riding smoother and provides a lot of power during the rev range. The seat makes it more comfortable to stay upright, especially if you are riding for a long time. Along with this, the neo-sport style of the bike makes it look sleek. Other features of the bike include wide handlebars, LED lighting in the front and back, and waterfall-style headers.
• Aprilia RS 660: This sporty bike comes with a parallel twin-cylinder engine. With a refined frame, this bike is lightweight and easy to manoeuvre. Some notable features of the Aprilia RS 660 include cruise control, dual-channel ABS, easily adjustable brake settings, traction control amongst others.

Again, when looking to buy a bike, you must take every precaution to avoid getting into an accident, especially since it does not offer the kind of protection a car does. A great way to ensure that you have any unforeseen accidents or costs covered is by private car/vehicle insurance in india.

As part of their New Year goals, a lot of individuals decide to purchase a new car. Now, cars aren’t cheap, even if you don’t consider luxury brands such as Audi or Jaguar, and you have probably saved up a bit of money so you can buy a decent car. So, when making a choice, it is important that you put a lot of thought into the car that you wish to buy. Do not go by word of mouth; do your research and compare the different features of the cars before you make the purchase. Another factor to keep in mind while buying a new car is insurance. To avoid having to pay a hefty amount from your own pocket in case of an accident or damage, find good car insurance in India. Here are the top 5 options you could choose from when thinking of buying a new car in 2020: -

• Tata Altroz: Considered to be Tata’s first premium hatchback car, the Altroz comes in a variety of colours including Skyline silver, Midtown grey, Avenue white, and others. Whether it is a petrol or diesel engine, both will have a 5-speed manual gearbox. The car comes with projector headlamps, fog lamps (both in the front and back), along with a rear defogger. Also, the driver seat is 4-way adjustable while the front passenger seat is 2-way adjustable. When it comes to the safety features, the car has dual airbags, a seatbelt reminder, and an auto door lock system.
• Fifth Generation Honda City: The car is believed to be wider and longer than the fourth-generation Honda City but slightly shorter and with less wheelbase. It comes with BS6-compliant petrol and diesel turbo engine. When it comes to the exterior, the car has a gloss black front grille, DRLs, defoggers in the front and back, LED headlights and alloy wheels. Other features include dual airbags, vehicle stability assist, speed sensing auto-lock system, a touchscreen infotainment system, adjustable seats, etc.
• Renault Triber AMT: The car has an Energy engine with a capacity of 999cc and a mileage of 20.5kmpl. In terms of safety features, the car is equipped with front airbags, rear parking sensors, speed alert warning, pedestrian protection, amongst others. The Renault Triber AMT is a 7-seater car and has electric power steering, an engine start or stop button, a touch screen, and adjustable seats.
• Hyundai Sonata: One of the best sedans in the market, the Hyundai Sonata has a 4-cylinder engine. It has a sporty look to it with a seamless hood and a fastback rear design. The car comes in many colours like the Stormy Sea, Calypso Red, Quartz White, etc. Depending on the exact model of the car, it comes with 8-inch touchscreen audio, lane-keeping assistance, heated front seats, remote smart parking assist and an effective airbag safety system.
• BMW 5X: Now, this might be worth more than you are willing to pay, but it is still a great car, nonetheless. It is a midsize SUV that comes with three different types of engines, LED headlamps, lane departure warning, driving assist, adaptive cruise control, an entertainment system, a well-equipped airbag system that makes the car very safe and other features. The car is believed to be the most balanced BMW car and is very easy to ride, handle, and is very comfortable.

Buying a car is a major decision that must not be taken lightly. You will end up spending a lot of money on the car, whether at the time of purchasing it or during repairs. It is advisable to go over all the options and to compare them to find the car best suited for your needs. Again, take the time to find good car insurance in India for protection against losses.

Mumbai and its nearby locations have always been regarded as some of the best places to explore in the country. Besides being the financial capital of the nation, there is a lot to explore for travellers in the city of Mumbai. While a private tour package might seem like the easier option, it is way better to explore on your own. This way, you will be able to spend as much time as you like at every destination without having to hurry up and catch up with the rest of the group. Since the city is notorious for its traffic, many travellers, as well as locals, opt for a motorcycle or a scooter to go around. In case you go for this option, make sure that the vehicle has a suitable insurance policy in place. You can easily buy a new or renew the two-wheeler insurance online in India.

Here are the top 5 destinations in and around Mumbai that you can explore: -

• Gateway of India: If you visit Mumbai, it goes without saying that you must see the Gateway of India. Constructed facing the Arabian Sea in Colaba, it was built to welcome King George V and Queen Mary to Mumbai. The best time to visit this attraction is either early morning or late evening when there isn’t a huge crowd. It is located right next to the Taj Mahal Palace, another notable attraction in Mumbai.
• Juhu Beach: If you are looking to get away from the busy city for a little while, Juhu Beach is a great option. Since it is quite renowned, there will most likely be a lot of people there but the gorgeous sunset and the cool breeze in the evening will be worth it. Just put on a pair of flip-flops and take a nice, long walk on the beach as you marvel at the magnificence of the waves hitting the shore. .
• Marine Drive: Officially known as the Netaji Subhash Chandra Bose Road, this destination located in Chowpatty is very well-known. A curved promenade that runs for kilometres, Marine Drive is the perfect place to sit and enjoy a breath-taking view of the beach and enjoy the cool sea breeze.
• Chhatrapati Shivaji Terminus: Built during the British colonial period in 1888, Chhatrapati Shivaji Terminus is a UNESCO World Heritage Site and is said to be the second most photographed location in India after Taj Mahal. It is a terminal train station built in a Victorian-Gothic style of architecture and attracts many who come to marvel at the splendid edifice.
• Elephanta Caves: Located on a small island called Gharapuri, east of the Gateway of India, the Elephanta Caves is a collection of caves, all adorned with intricate carvings. A UNESCO World Heritage Site, these cave temples have been linked to the Kalachuri dynasty and also the Hinayana Buddhists. Take a ferry from the mainland and go explore the Elephanta Caves situated somewhere in the Arabian Sea.

Mumbai as a city is massive and has a lot to offer, both for tourists as well as those looking to move to a new city. Besides the above-mentioned destinations, you can also visit Film City, Sanjay Gandhi National Park, the Taj Mahal Palace, Siddhivinayak Temple, Hanging Gardens, and many others. If you do plan on ditching a car and taking a scooter or bike to go around the city, make sure that you buy a suitable two wheeler insurance online in India for the vehicle.

Car insurance is all about cutting your losses in case of an accident or theft. You will pay the premium annually or more frequently as per the guidelines of your policy. You need to pay the premium regularly to keep the policy active. Car accidents do not happen that frequently, but they do occur quite a lot. This makes having a proper car insurance policy extremely important. Though at the time of purchasing a car insurance policy, it is important to look up new car insurance rates, so you do not end up shelling an unnecessary amount of money. You will also be rewarded for driving safely and responsibly by No Claim Bonus.

No Claim Bonus is essentially a discount over the own damage premium component. It means that you would have to pay less in the forthcoming premium if you do not raise any claim in the entire year. You generally start with zero NCB (except in the case of NCB transfer) and accumulate discounts over the years. It is often misinterpreted, so here are few features you need to be mindful of: -

• NCB is available only on policy renewal. It is a reward for not making any claims during the entire year. It is earned by keeping a claim-free record. It starts at 20 percent after one claim-free year and accumulates steadily with each subsequent claim-free year and can reach up to a maximum of 50 percent.
• NCB belongs to you and not the car. It is essentially a reward to the driver. If you decide to change the car and get an insurance policy for it, you will retain your NCB discount from the first premium on your new insurance policy. So, in essence, NCB is transferrable between cars. However, NCB is not transferrable between two people.
• Transferring NCB is a simple procedure. After the purchase of a new vehicle, you have to submit Form 29 and Form 30 along with a letter requesting your insurer for NCB transfer. Your insurer will issue an NCB certificate which will be valid for three years after the date of the issue. You have to submit this certificate to your new insurer to retain your NCB benefits.
• NCB is only valid over the own damage component of the premium. This means NCB is not valid over the third-party liability component of the premium.
• NCB must be kept in mind before making small claims. NCB is reset to zero, no matter the magnitude of the claim. It is therefore important to make calculations before making any small claims. You can end up losing more than you gain. In addition to NCB be set to zero you will also lose any accumulated discount and will have to start over to reach a 50% discount earmark.
• You can purchase an NCB add-on cover that will allow you to make a limited number of claims without affecting your NCB. This can help you if you are stuck in the decision to make a small or moderate claim.
• Maximum NCB discount is 50% though some insurers allow higher discounts in their policies for driver's clean records.

Insurance is nothing but risk management. You buy insurance just so you do not fall into a financial burden in emergencies. Insurance is all about saving money. At the time of purchasing a new policy, you must always check up new car insurance rates, so you don't end up paying more. NCB too is a step towards saving money, you must always drive safely, and NCB ensures you will be rewarded for it.

Cars besides being a mode of transportation have been also a passion for many. For some driving a car simply to get somewhere is not the sole goal. People also love cars for the speed and the thrill that they offer, they love the feeling of whizzing past other cars. That’s why many people love sports cars.

Sports Cars are built primarily to offer people the possibility of driving at extreme speeds and are built in a way that they don’t wear out easily. But for the sake of safety, make sure you subscribe to a comprehensive car insurance. You can now easily check mcar insurance prices in india online and get a new policy within a few minutes. If you have a thing for speed and love the excitement that comes with driving fast, here are the top 5 sports cars you could choose from: -

• BMW M3: The car was initially introduced in 1986 to serve as a race car for the road and has become increasingly popular over the years. Now, the 2018 model offers features such as a 3L turbocharged incline-six-cylinder engine that is capable of producing 425 HP, adaptive suspension, dual-zone climate control and much more.
• Nissan 370Z:The car is equipped with a 3.7L V6 engine capable of producing 350 HP, a front-engine, fastback-coupe style, sport suspensionrear-wheel-drive and was first introduced in the year 2009. The 2019 model has added benefits such as a rear-view camera, cruise control, automatic climate control etc along with a sleek and stylish appearance which has made this car extremely popular.
• Mazda MX-5 Miata: It is not a four-seater but a two-seater sports car and, unlike many others, does not offer a lot of power. It comes with a 2L four-cylinder engine that can produce around 181 HP. The seats are quite comfortable, and the car is surprisingly quite spacious for its size. If you are someone that loves to let the top down and enjoy the view as you drive, it is an excellent option.
• Chevrolet Corvette: The car was initially brought into the market in 1953 and had fast become a favourite, owing to its stylish look and the many features. Now, the 2018 Corvette comes with a 6.2l V8 engine, which can produce up to 455 horsepower. Besides this, it also sports adaptive dampers and an uprated suspension, which makes it much easier to handle corners, keyless entry as well as ignition, automatic dual-zone climate control and a very comfortable interior.
• Ford Mustang: Another classic, the 2019 version of the Ford Mustang, comes with 2 engines: a 2.3L four-cylinder engine that can produce 310 HP and a 5l V8 engine capable of producing 460 HP. Additional features include 83 cubic feet of passenger and 13 cubic feet of luggage volume, highly comfortable seats and a spacious interior. The car not only offers you speed but also a very smooth ride.

No matter how much you want to love speed and the thrill that comes with it, it is equally important to pay attention to safety measures and to not do anything reckless, especially when on the road. Also, sports cars are extremely expensive, and so it becomes even more important to take care of them. The best way to do so is to get car insurance,  but do remember to checkthe latest car insurance prices in India before you pick one.

Getting older could be a little scary. You begin to worry about your physical health, your finances, along with many other things, but it shouldn’t have to be. When it comes to both your health and your finances, you need to start preparing from today itself, if you haven’t begun already. Life is unpredictable and it always comes in handy to be prepared. So, when it comes to your health, you need to keep getting regular check-ups so that you can know about any possible problems on time and should also have a comprehensive health insurance policy for a family in case of any unforeseen incident.

Here are some medical tests you should be doing in your early 30s: -

• Cholesterol Profile: It is your liver that produces cholesterol in your body; however, you take in cholesterol from certain types of food, and an excessive amount of it in your body can lead to problems in blood flow since it can harden in the walls of your arteries (atherosclerosis). Since high levels of cholesterol show no symptoms until the later stages of atherosclerosis, it can become difficult to detect it at an early stage unless you get regular health check-ups. While a cholesterol profile can be part of a routine check-up, it is advisable to get it done more frequently if your family has a history of heart disease, obesity etc. Your blood is drawn out for the test.
• Eye Tests: While this may seem obvious, many people tend to ignore their eyes until the last moment, when the problem escalates. Your eyes are so important, and it is necessary to have your eyesight checked every couple of months. If you experience issues with your vision or any discomfort, immediately go to an optician. Getting your eyes checked regularly could also help detect cataracts at an early stage.
• Blood Sugar Test: Done mainly to diagnose diabetes, a blood sugar test measures the amount of sugar or glucose present in your blood. You might need to get frequent blood sugar tests if your family has a history of diabetes. A blood sugar test can help determine the level of sugar in your blood, and whether you need to bring changes in your diet or exercise. In case you have diabetes, it can also help figure out whether your medications are working or not.
• Urine Analysis: This test is done to find out if you have any kidney-related issues or urinary tract infections. While this is generally a part of a health check-up, if you experience frequent urination, have abdominal or back pains etc., it is advisable to get the test done. All you need to do as part of the urine analysis is to provide a urine sample.
• Thyroid Function Test: It is a blood test done to determine whether your thyroid gland is functioning properly, i.e., whether it is producing the right quantities of triiodothyronine and thyroxine. Depending on whether it produces less or more of these two, you could suffer from hypothyroidism or hyperthyroidism. If your family has a history of thyroid issues, it is best to get checked regularly since thyroid problems could cause major changes in your body.

There are many more tests you should have done in your early 30s to avoid any complications later in life. Again, it never hurts to be fully prepared, especially when it comes to your health. Along with regular check-ups, make sure to have a valid health insurance policy health insurance policy for the family.

Everyone dreams of purchasing a car in life. Reasons can be numerous; after all, having your car has several benefits. You can visit any place at any time at your convenience. You will no longer feel constrained in your life; cars have made the world a smaller place. That's not all, as owning a car is a status symbol too. People feel more secure and enjoy more private trips in their car.

But owning a car makes you liable to all the extra liabilities that come with it. Your car may get severely damaged in an accident; theft is always a threat; moreover, if you own a car you are also liable to damages caused to it by pedestrians and property. Hence it is important that you have car insurance that covers all these liabilities. You can buy car insurance online within a few minutes. It will make you feel more secure in case of any mishap. But will making modifications in your car affect your car insurance in any way?

More or less, every modification will affect your insurance, increasing the insurance premiums. When arriving at the new quotation insurance companies generally look at two factors risk of theft and risk of an accident. If you have an entirely cosmetic modification, it will increase the value of the car hence increasing its risk of theft. If you are making modifications that affect the performance of the car, it will increase the risk of an accident. These modifications severely affect your car insurance:-

• Engine modification- Engine modifications tend to increase performance and acceleration of the car. This tends to increase the risk of an accident.
• Brakes and Suspension - Overall, control of the car lies in the breaks. Modifying brakes or suspension will affect the overall performance of the car.
• Car Interior - Modifying the car interior is purely a cosmetic change to the car. It would not affect performance. However, it will increase the value of the car and will increase the risk of theft.
• Paint Job - Getting a paint job on your car may end up completely changing how your car looks. Getting decals and vinyl on the car will also change the look of the car. This may make the car more desirable, increasing the risk of theft.
• Rim Job and Wheel Modifications - Mostly wheel modifications and rim jobs are cosmetic effects and do not have severe effects on the performance. Some modifications might change road performance too.
• Change in the Engine - Engine is the heart of the car and a major aspect in calculating the car insurance premium. Getting engine changed can have a severe effect on your premium.

It is important to notify your insurance company whenever any modification or alteration has been made. Not notifying your insurance company may revoke your insurance policy and any coverage will be declared void. Modifying a car generally increases its value. This makes car insurance even more important as you stand to lose more in case of any unforeseen event. If you do not yet have one, you can buy car insurance online. Living in constant worry of losing your car is not worth it. Getting your car insured with a comprehensive policy is a step forward towards a worry-free future.

While driving a car is a pleasure, a misfortunate incident can spoil everything. A tree falling over your car, water entering mechanical parts during rains and floods, road accidents, etc. are all incidents that do not come with any prior warning. Accidents happen in our daily life, and when a car is involved, it becomes a very costly affair. This is one of the reasons to have the best personal accident insurance policy in india.

Car insurance ensures that during any unfortunate accident, you will be able to ride the difficult waves created in your life with ease. Insurance policies usually cover damage to cars, pedestrians, and property. To claim car insurance after an accident, there are some dos and don'ts that you must keep in mind: -

Do's: -

• The insurance company must be immediately notified when the accident occurs. They must be provided with a general description of how things happened, damage to the car, and surroundings.
• File an FIR. Without an FIR, you cannot raise a claim. The police must be intimated about the accident and the FIR copy must be obtained.
• Taking photos of the scene can help further your cause and can later be submitted as valid proof for claim settlement.
• Make a note of any witnesses near the accident scene. Ask them for their contact details along with their address. The witnesses can help in the future in shedding light on the occurrence.
• To raise the claim with insurer proper documents, need to be submitted to them. Documents include a soft copy of - the FIR, claim form duly filled and signed by yourself, your insurance policy, car registration certificate, driving license, receipt of other expenses incurred, and medical receipt in case of injuries.
• Contact a lawyer if you can, as they can provide legal advice over the entire matter and help you get the appropriate claim amount.

Don'ts: -

• Do not hide facts from your insurer. You must notify them of the entire events to the best of your knowledge. If the surveyor finds discrepancies in your claim, entire coverage might be deemed void.
• Don't move away from the accident scene. Doing so without the insurer's permission can delay the claim process. Some insurers even provide tow and pickup services. Repair work must not be done without the approval of the insurer,
• Do not settle for third party settlements to avoid FIR. Without FIR, you cannot raise a claim with your insurance company.
• Don't sign settlement papers without legal counsel. If you believe the settlement provided is not enough, you can raise the issue with your insurer to obtain a better settlement.

Car accidents are sorrowful events that often lead to major damage and trauma, in worst cases, death. It is necessary to follow good traffic etiquette and rules. Car accidents can often leave a permanent mark on you. The financial burden after the accident is too much to bear for a single person. It is of utmost importance to have the best personal accident insurance policy in India. Having the best personal accident insurance policy in India will ensure that in the perilous time after the accident, you would not be financially burdened. It will provide you with financial security in what might be one of the difficult times in your life. Drive safely.

As the new year rolls in, it is time to begin setting down goals for the year, or New Year’s resolutions as we call them. It is at the beginning of the year that you make sure to stick to your goals and try to make positive changes in your life. Whether it is waking up early, travelling to someplace new, meeting new people or keeping away from technology, most of these goals become close to non-existent as January comes to an end.

However, of the most common goals for the New Year, is to become fit and healthy, shouldn’t cease to become important but must be maintained throughout the year and beyond, to have a long and healthy life. So this is what your fitness goals for 2020 should look like: -

Even though you probably hear everyone say this all the time, one of the most crucial practices which you must adopt immediately is drinking a lot of water. Water is, without a doubt, responsible for most bodily functions. In order to remain healthy, it is necessary to consume a considerable amount of water every day. Dehydration can cause serious urinary infections or kidney stones.

• Exercise regularly but in moderation. Do not overdo it the first time you begin a workout. Start slow and ease into a harder regimen. If you begin with rigorous exercise, you can severely injure yourself. Also, make sure to do it the proper way as exercising the wrong way could cause a lot of damage. For instance, if you use weights, lift with your legs and not your back, or you could end up dislocating your disks or worse.
• If you aren’t one for high-intensity workouts or weight training, a great way to get some exercise is by doing yoga. Not only does it allow you to stretch and work your body, but it is also a great way to learn how to concentrate better. It is an excellent way to relax your mind and be at peace. Yoga is great for both the body and mind.
• While you must ensure your body gets regular exercise and movement, it isn’t enough. You must maintain a proper diet and eat different kinds of food for a regular intake of all the necessary nutrients. Do not neglect any food category, and to make sure that you consume foods specific to your body’s needs, you could consult with a nutritionist. Make it a habit to eat the right quantities at the right time and avoid snacking on junk food at odd hours of the day.
• As a human, your body is prone to illnesses and injuries and thus, it is crucial to have health insurance. There are many different kinds in the market, and it is your responsibility to choose the best health insurance policy in India, to avoid any hassles when you need any kind of relief.

We only have one body, and we must take really good care of it. Whether it is eating nutritious food, exercising regularly and correctly, sleeping on time or finding a company that offers the best health insurance policy in India, how you choose to remain fit and take care of your health is up to you.

One of the most serious problems in today’s date is pollution, whether it is air, water, noise or otherwise. Air pollution has led to an increase in health issues and has become an issue that needs to be resolved at the earliest. A major contributor to it is car pollution. There are thousands and thousands of cars on the streets at any given point of time, and they emit smoke and other harmful gases which have only added to the pollution, and the situation only gets worse when there is already smog in the atmosphere due to other air pollutants. As a responsible citizen, and more so as a human, here are some ways you can help reduce the car pollution levels during smog season:

• Try to Warm up Your Car in Advance: During the winters, when the smog is the worst, cars take slightly longer to start, especially if it is a few years old and runs on diesel, so it is advisable that you warm it up a few minutes before you actually have to leave. This way, the car does not consume too much fuel, does not emit high quantities of smoke or gas and thus, helps reduce the pollution a little.
• Turn Off the Engine When the Car Isn’t Moving: It is a very common tip, yet many people do not follow it. When you are at a red light or have pulled over to the side for a short period, make sure to turn off the engine or at least the air conditioning since it puts more pressure on the engine, which in turn burns more fuel. The more you save fuel, the less pollution you cause.
• Do Not Skip on Maintenance: A car is an investment, and you must take care of it. Irrespective of whether you experience a breakdown or not, make sure to take it to the workshop regularly to get the issues fixed. If you continue to drive your car despite there being something wrong with it, it will consume larger quantities of fuel and will thus cause more air pollution. Also, make sure that you do subscribe to private car insurance in india for protection against any losses caused to the car.
• Make Sure to Get A Pollution Check: Every couple of months, take your car to get a pollution check done, so you know its level of emissions and can understand if it does adhere to the pollution regulations. With an increase in the level of air pollution, the government has made is mandatory to get a Pollution Under Control Certificate which states that your car is not releasing a high amount of smoke or gas and is thus, allowed to be driven around.
• Choose to Travel Via Public Transport: One of the best options is to leave your car behind and to take a means of public transport instead, such as the bus or the metro/local train. Indeed, this option might not always be the most comfortable, but it goes a long way in reducing the level of pollution since there are fewer cars on the roads.
• With the way things have escalated in terms of the pollution, it is imperative that you keep certain habits in check to not contribute to it any further. The way people take private car insurance
   in India very seriously, they must also take environmental concerns equally seriously.

If you are someone that derives pleasure out of helping others, then there are a multitude of jobs out there for you in almost every field. You can choose to become a lawyer, a doctor, a psychologist, an animal rights activist, a teacher or professor, an insurance agent etc. The last profession has become increasingly popular in recent years, with many people becoming health or life insurance agents, to be specific. As a health/life insurance agent, the main aspect of your job is to help people figure out the best policy such as best health insurance in india for parents , one that suits their needs as well as situation the best. By doing this, you would be helping people secure their lives, finances as well as prepare well for the future. However, if you have just decided to become an agent, here are some ways you can actually begin your career in the health/life insurance industry: -

• Do Not Give Up: Perhaps the most important point of all is to not give up easily. The insurance industry is highly competitive and is constantly growing. There are numerous companies and agents out there that are trying to attract clients. When you begin working as a health/life insurance agent, it will not be the easiest to convince people to buy the policies you offer, but you must not quit just because of a few failures. It will take time to finally start getting multiple clients.
• Obtain Your License: A non-negotiable requirement when becoming an insurance agent is to obtain the license to begin working. The license is generally granted by the state where you reside, and to get it, you need to pay a certain amount of money, complete a training course and clear an examination. Without having earned the license, you will not be legally permitted to work as a health/life insurance agent.
• Educational Requirements: While becoming a health/life insurance does not require you to have a certain degree, it is necessary for you to have cleared high school and preferably done an undergraduate course (earned a Bachelor’s degree). It is not mandatory to have information regarding illnesses or medicine in general, but it is a bonus if you can explain certain medical conditions or terms to potential buyers. Once you have obtained your license, you will most probably have to go through training where you apply for a job.
• You Must Develop Your Marketing Skills: This does not necessarily mean that you need to undertake a marketing course, but you should be able to sell the policy to clients. A major part of your job as an insurance agent is to get people to buy the health/life insurance policy. You must be well aware of the details pertaining to the policy so you can explain everything properly to customers and convince them.

Health or life insurance is a necessity in life since it helps cover the costs for any unforeseen illnesses, injuries, or accidents, and so you must have one, not only for yourself but for your entire family. If you already have your own insurance, also make sure to choose the best health insurance in India for parents, so that you can be assured of the fact that everything will be covered when the need arises.

There are many people who decide against buying a car, especially since it can be quite expensive to purchase as well as maintain, and instead opt for a motorbike. Bikes are much easier to fit in smaller spaces and offer the possibility of going a bit faster, something which excites many. However, just like any other vehicle, you need to make sure to take good care of it, which includes buying bike insurance online in india . Here are some tips to help you maintain your bike better: -

• Keep the Tyres Inflated at All Times: Bikes do not offer the same kind of protection as cars, and thus it is much more important for you to take all the necessary safety measures, one of which is keeping your bike tyres inflated. In case they aren’t or start to lose air while you are driving it, it could lead to a serious accident and thus, you must check your tyres regularly and have them filled up if needed.
• Do Not Forget to Lubricate: Regularly, try and change the oil since that helps to prevent the engine as well as gears from getting extremely worn out, which could lead to them not working properly. Besides causing trouble in starting up, not oiling the said parts could lead to further damage and could make it nearly impossible to drive the bike. Therefore, buy the lubricant which is specific to your bike and oil any metal parts.
• Check to See if the Wheels are Fine: Quite often, an older bike can start having problems with its wheels, wherein they become slightly loose, and thus it becomes difficult to maintain proper direction and you also run the risk of the bike sliding. In case you see that your wheels are a bit loose, or not as sturdy and solid, immediately take the bike to the workshop to get fixed so you avoid accidents.
• Regular Servicing: Just like every other vehicle, your bike too needs to be taken regularly to the workshop to get serviced. Whether you are experiencing problems with it or not, taking it to get checked up is always a good option since it can help detect any possible issues as well, such as with the engine, tyres or the brakes. It is always better to have the problem taken care of at an earlier stage than to go and get it fixed once it becomes serious.
• Adjust the Clutch: You need to make sure that you adjust the clutch just right; tighten or loosen it such that it suits you the best. In case you tighten it too much, it might slip out of your hands and will also lead to an increase in fuel consumption.
• Owning a bike is comparatively easier than a car, especially in terms of finances, but that does not mean it does not need to be taken care of. It is still an investment and so, you need to follow a certain set of practices to ensure that your bike remains in the best condition possible. A great way to avoid having to spend a huge amount on repairing any damages is to insure the bike. Buying marine cargo insurance policy bike insurance online in India has become quite a simple process.

Cars are a great means of making your daily commute easier since they allow you to travel at any point in the day, according to your schedule and not that of the metro or the public bus. So, it is no surprise that most people prefer to have a car. However, they are quite expensive and are a major investment. In such a case, many choose to buy a used car, also known as a second-hand car and then buy a car insurance policy online. If you are the one selling your car to someone, there are a few things you must consider, and they are as follows: -

Get All the Paperwork in Order: Since it is a vehicle that you are selling, it is important that you organise all the paperwork that came with it, which includes the registration certificate, pollution certificate, documents pertaining to its servicing, Regional Transport Office (RTO) tax receipts or files, etc. since the new owner would need them for various legal purposes such as paying taxes.

Update Your Insurance Company: As a car owner, you most probably have car insurance to protect you from any unwanted expenses or damages. When you are planning on selling your car, contact the insurance company to inform them of the same, and to try to transfer the policy onto your new vehicle or to claim the credit in the event that your car was well-maintained. Your insurance policy shall not transfer to the new owner unless you wish for it too.

Evaluate the Cost: You do not wish to lose money when you sell your car, even if the chances of earning a profit are low. Make sure to check the price of the car in the showroom and to do thorough research on the mean price of the same car but in a used condition. It is best to consult a car trader since they would be able to quote the best prices for your car.

Keep it Clean: Just because you have decided to give it away does not mean you should no longer take care of it. The new owners would be paying a decent amount for the car, and it is only fair that they receive it in good condition. Get it cleaned or even serviced before you finally sell it since seeing the car in poor condition could discourage the potential buyer from going through with the transaction.

Decide Who You Want to Sell the Car: One of the most important decisions to make is regarding the car’s buyer. You need to evaluate the various options and decide whether you want to sell the car to a complete stranger, an independent car dealer or to the original car dealership. Once you do make the decision, do not forget to conduct a thorough background check before you actually hand it over.

Selling your car or buying a second-hand car is a major decision, one which must be made after proper consideration. No matter what the case it, make sure to buy a car insurance policy online or offline to minimise the effects of any damages that may occur in the future. Also, make sure that you renew the policy on time to enjoy continued protection.

With a constant need to go from one place to another and on a fairly regular basis, there is a necessity for a suitable means of transport. Many opt for public transport like the bus or the metro/ local train to move around while others look for something which will ensure ease of movement at any given point of the day, such as cars or motorbikes. If you go with the second option and decide to buy your own a bike, make sure to buy two-wheeler insurance online so that you are covered financially in case of any accidents or damages. When it comes to driving, there are certain things you must know of, which are as follows: -

• Understand Your Car Well: Whether you have had cars before or have just bought one for the first time, take the time to figure out everything in and about your car; how to fill gas, where the clutch is, where the blinkers turn on from, etc., so when you do go out on the roads, you aren’t at a loss regarding what to do if met with a problem.
• Be Aware: No matter how careful a driver you are, there is always the possibility of suffering from an accident, solely because of somebody else. The only way to avoid getting into such a situation is to always keep your eyes on the road and to be well aware of everything around your vehicle. Know where the other cars are, what the drivers are doing, how fast someone is going etc.
• How to Park: Many find it quite difficult to park properly, but that is no reason to avoid learning how to. You could be required to park your vehicle at any given point of time and in any kind of space. Whether it is a mall parking lot or your garage, you must know how to do it, so you don’t run into a wall or worse, someone else’s car. Also, when you park or come out of parking on the street, keep an eye on the traffic so you don’t mistakenly cause an accident.
• Know What You Need to Do: An important aspect of driving is to know when to press which button. You must be clear when you need to turn on the blinkers, honk, take a turn, shine your headlights, etc. Doing any of this for no real reason could end up confusing others around you and could cause traffic problems or an accident.
• Keep Calm During a Problem: You are at some point, likely to have a flat tire as you are driving or slightly lose control. While it is very scary, remember to keep calm, so you don’t make the wrong decisions. Know how or where to steer if you lose control or if the car slides, know how to change your tires or pull your car over in such a case so you can call for help.
• Driving is a major responsibility and must be done with absolute care. Inexperienced drivers should be allowed to take the vehicle in heavy traffic, and as a vehicle owner,you must have an insurance that would protect you from damages; you can easily buy two-wheeler insurance online as well as car insurance.

With the onset of old age, a lot of people start facing a variety of health-related problems and diseases. Such health issues can lead to the draining of the bank account as most of the people retire by the age of sixty. That's why senior citizens need to get an insurance policy that takes care of them during such health emergencies.

Almost all health insurance policies in India include the following features: -

• Covering hospital charges like medicines and operation bills.
• Ambulance charges are paid by the Mediclaim.
• Hospital Bed expenses are handled by the insurance company
• No medical test is required before availing the policy.
• Easy health insurance policy renewal.
• Preexisting diseases are also covered depending on the company and type of policy.

The benefits of getting health insurance in old age are explained as under: -

• Uncertainty of age - Old age brings its share of happiness and sorrows. A variety of diseases can also strike to some unfortunate people. However, with the support of a health insurance policy , both terminal and lifestyle diseases can be easily dealt with.
• Medical help - If you meet any accident or have any form of illness or disease, you might need medical help which can cost you a lot of money. But reimbursement for all these expenses can be availed under the insurance policy at any required time depending on the type of policy.
• Sudden illness - Imagine this, you are having fun with your family on a fine day, but all of a sudden you feel a sharp stinging pain in your chest leading to a heart attack. You have no health insurance cover. Your family is not in a good place to provide for hospital bills and medical expenses. What would you do? Such imagination does not appeal to you, right? That is why you should purchase a comprehensive health insurance policy.
• Serves investment purposes - If you are wondering what to do with the large sum of money your retirement brought along, investing in insurance policies can be a great option. It is extremely safe and can be useful in the future if any misfortune takes place. You can even select autohealth Insurance Policy Renewal services and gain the advantage of long term insurance.
• Beating medical inflation - With the constant rise in general inflation, the cost of medical services and treatment is also increasing. With a sufficient amount in medical insurance, you can make sure that any unfortunate disease or ailment at old age does not drill a hole in your pocket.
• Saving tax - Under Section 80D of the Income Tax Act 1961, you can claim a deduction for up to Rs. 30,000 against the premium paid against medical insurance cover. This payment can be made for yourself or any of your family members like your spouse or children.
• Loan on insurance - If by any means you need a large sum of money to fulfil a few urgent requirements, you can even use the insurance amount to obtain a loan from banks or NBFC (Non-Banking Financial Institutions). You even earn interest and bonus on the insured amount with the company depending on their regulations.
• Long story short, buying insurance for yourself and your family can always be helpful in some or the other way. You can gain financial advantages for a long duration of time, even if you do not require it for medical purposes. Also, make sure that you keep a close tab on your health insurance policy renewal, to continue enjoying long-term protection.

Marine insurance companies offer a wide range of policies that cover any damage or loss to ships, cargo, terminals or transport by which products are transferred, held or acquired between the beginning and concluding points.

Marine insurance companiesin India cover offshore and onshore exposed property, (ports, container terminals, pipelines, oil platforms), marine casualty, and marine liability etc. It's an alternative to the general insurance specifically for those in the Marine industry or even in the trade industry.

All ship and yacht owners must have appropriate marine insurance keeping in mind the variety of risks at sea.

Importance of Marine Insurance

With India being known for its peculiar geography surrounded by water bodies on three sides and its fame for the earliest trade routes, we've only got better ever since. Marine Insurance is a must for getting easy grants and easy access ahead. It also makes a company more reliable as it has proper protection against different hazards and is legally ready to set off.

The marine industry today is a great source of imports, communication, influx and a means for people to travel to different parts of the world. We all know the stories of the uncertainty of the sea. Hence, it is important to be prepared for such unforeseen circumstances.

Benefits of Marine Insurance

Here are the following benefits insurance companies provide when you opt for Marine Insurance:

• Personalized Insurance - It's very important to find insurance that suits your needs and your business. Are you only trading goods or do you also have travellers and are in the cruise business? Don't worry! Marine insurance companies are now personalizing these important details as they're basic to the kind of hazards you'd want to prepare yourself for and these build the base for your insurance cover.
• All Risks Coverage - It's only foolish to choose risks and get protected by those when you're at sea and stranded, or your goods are not insured just because you didn't tick that option on your insurance form. While choosing Marine insurance, do look out for exclusions before you make a choice.
• Worldwide Claims - You need to stop worrying if you feel your marine insurance won't help in international waters. Marine insurances come with worldwide claims as well.

Now that you know all that comes with the insurance, here's all that your insurance should cover. There are different types of Marine Insurances.

• Liability Insurance - This insurance cover comes handy in case of any injury or damage due to unanticipated ship collisions and crashing even if it's due to persuaded attacks.
• Marine Cargo Insurance – It pertains to the personal belongings in ship voyages. The cargo owner is protected from the loss due to a ship accident and in case of delays in unloading. This also comes with third-party liability coverage and includes damage to the port and docks.
• Hull Insurance - This is chosen by the owner and caters to the hull and the body of the vessel along with other articles and furniture of the ship.
• Machinery Insurance - This insurance covers the machinery breakdown and damage and is duly compensated for.

With this extensive range of marine insurance, a businessman or a ship or yacht owners can be safe and protected against damages like theft or hijack collisions and accidents. Hence it is vital to have appropriate marine insurance if your business requires trade via the sea.

Home insurance is one of the most common insurance that people buy, but most of the buyers do not know about the complete limitations and benefits of such insurance policies. There are certain myths related to home insurance policies that are still prevailing in people’s minds. You can find a person buying the best home insurance in India, but he/she will be under the myth that the insurance policy does not cover this or that. People need to properly read the offer and scheme related documents before they are deciding on buying any particular policy. Some of the myths that have been there in people’s minds for long periods have been debunked here: -

1 If the damage to the home is severe enough that it is beyond repair and you cannot live in it while it is being repaired or renovated, the insurance company will put you up in a hotel or a serviced apartment temporarily while the work is being done. This is true for some insurance plans but not all insurance plans and if loss-of-use is there, it will be clearly stated in the policy. People should not be under the myth that Loss-of-use is present in all policies else they will have to bear a huge financial burden of paying the hotel fees as well.

2.Many people believe that their belongings lost in the fire will be replaced with new ones if they have a policy. However, most of the policies do not have this clause. Instead, the losses are calculated by what the items were worth before they were lost in the fire. A four-year-old computer that you bought for Rs. 50,000 may be worth only Rs. 13,000 before the calamity and the insurance company will calculate the loss by counting the price of the computer as Rs. 13,000 and not the original price of Rs. 50,000.

3.Even the plan which may be the best home insurance in India may omit coverage against flood. Floods can occur due to several reasons, such as a storm, hurricane, ruptured pipes or drainage stoppages, or ruptured sewer backup but most of the times flood is not included in the policy. If you live in a flood-prone area, there are special flood policy packages offered by selected firms but in general, it is not included in a home insurance policy.

4.People generally believe that low premium means low insurance coverage, but this is not true. You can lower your premium in many ways without reducing your coverage if you take safety precautions of your own to protect your house. If you have security devices such as fire alarms or burglar alarms installed at your house, you can tell that to the insurance provider, and your premium can be lowered.

After the fire tragedy, some items are destroyed or damaged to such an extent that for the insurer, it could be challenging to identify for assigning the claim. So, as a responsible party, you ought to click as many pictures and shoot videos as possible of the damaged, smoked rooms to show the physical evidence of the actual damage before it gets wiped by a restoration company.

5.This is a myth that you need to be a homeowner to buy home insurance. You can very well buy home insurance for your belongings and contents of the house without being a homeowner. A tenant can purchase home insurance for his belongings and in case the tenant shifts; the policy can be approved for a change of address as well. Not only this, but the homeowner can also get home insurance for the structure of the rented accommodation or the house in which there are tenants living.

While buying even the best home insurance in India, you need to be careful and read all the documents for the policy carefully to understand what all things are included in the insurance and what all things are not included in the insurance. Different policies are accommodating different perils and you must choose the one that fits your requirements the best.

A fire can start anywhere and you will be surprised to know that you may have as little as two minutes to escape from such fires to safety. Early warning signs and proper steps taken once the fire has been detected can save your life as well as others. Most of the home fires that occur are preventable and you should follow certain fire safety tips to protect yourself as well as your family from fire hazards.

Buying home fire insurance is the first step towards protecting your house from an unforeseen fire hazard that may destroy your complete property. But along with this, you need to know some safety tips to protect yourself if and when there is a fire outbreak in your home or office or any other such building.

• Smoke alarms are the basic detectors that must be installed within the building so that you are immediately aware of if there is some fire in your house. Such fire alarms can be installed in your living room and all of the bedrooms. Installing fire alarms does not finish your job and you need to take care if they are working properly by regular checks. You may even need to replace their batteries periodically.
• Have a fire escape plan ready and your whole family should be aware of what to do to escape from the house in case of a fire outbreak.
• In case there is a fire in your home, try to escape as quickly as possible and do not go back to your house to gather any belongings. If your house is insured under home fire insurance, you will get everything back.
• If you live in an apartment, get to know all the escape routes and as soon as there is a fire outbreak, pull the fire alarm so that everyone else is aware of a fire in the apartment.
• In case there is a fire in your home, lie down close to the floor because smoke tends to rise higher. You can save your breath this way and can be safe inside the room for a longer period until help arrives.
• If you are locked inside in case of a fire, try to block all paths of the smoke entrance to your area. You can get any clothing material and place it at the entry point of smoke which is generally the bottom of doors. The wet cloth will prevent smoke from reaching your area and you will be able to survive for a longer period until help comes.
• All the inflammable materials in your home should be handled carefully and must be put in a safe place. In case there is a fire outbreak, try to keep flammable materials out of the reach of the fire, otherwise, they may cause an explosion risking everyone’s lives.
• In case you use fireplaces inside your home to warm the house in winters, install a fire safety gate around the fireplace.
• Fire extinguishers are a must at office places, but there must be fire extinguishers at your home also. Everyone in your family should be trained enough to use the fire extinguisher in case the need arrives.
• In case your clothes catch fire, do not run because running won’t douse the flames, instead, it will only help the flame. Lie down and roll on the ground and the flames must be smothered by a heavy blanket or rug.

All these tips can come in handy whenever there is a fire outbreak in your home or your office. You must follow these tips, but you must never forget to call the fire department to let the professionals handle the fire hazard.

Owning a home is generally seen as a sign of adulthood and financial responsibility. Buying a home is a huge step and a very big commitment and requires a lot of work on your part. You need to be aware of all the different things and steps involved with everything to fully comprehend what all things need to be taken care of before you buy a home such as EMI payments, property tax payments,best home insurance policies in India and several others. Many people rush into buying homes which is never a good idea because if you are not careful while buying a home, there is a probability that you may be making a bad investment.

When buying a home, you need to be sure that you can sustain the financial burden and it won’t mess up your financial stability and for that, you need to understand the various aspects of homeownership. You can consider this as a guide which will help you in making a correct decision that will be beneficial for you in the long run as a good investment. Going step-by-step, you need to ponder over carefully on all these things: -

• The need to buy the property - Many people decide to buy a home just because they want to prove to the world that they have attained adulthood and they can own a home. The decision to buy a home should not be made so precariously and proper thought must be given to whether you need to buy a property and how will it affect your financial stability in terms of mortgages.
• Shortlisting the Property - Once you have properly assessed your requirements for a property, you need to now ponder upon what kind of home would you like to live in. Shortlisting can also be done based on whether you want to move in immediately or you want to construct the house according to your preferences. Ready to move in property generally require enough finances for paying cash up-front to buy them but for a house under construction, you can take bank loans while paying less cash up-front. The property should also be shortlisted based on what kind of location you want to live in.
• Understand the tax implications - Everyone wants to reduce their taxes, and for this, you need to understand what kinds of taxes you have to pay and how can that tax be reduced smartly. You can save capital gain tax on residential properties but not on commercial properties.
• The Legal Perspective - Once you have decided on buying a property, take care of all the legal things that need to be done so that the property is registered under your name or someone in your family. All the documents should be clear, and you should be comprehensive with regards to all the paperwork for the property to avoid any issues in the future.
• Manage Finances - You need to have a stable financial system so that you do not face any difficulty in your daily life after deciding to buy a new property. You can also avail home loans from banks to finance the new property by paying less cash upfront to the developer of the property. Your home loan eligibility and the amount for which your home loan is sanctioned depends on your ability to repay the loan, i.e. indirectly your salary..

Home buying is generally categorized into three different stages which are the Pre-purchase stage, financial handling stage and the Post-purchase stage. You need to be properly involved in all of these stages and understand each and everything so that you do not face any legal problems in future.

Make sure that all documents are complete and if you rent out your property, have proper rent agreement papers made. Buying a home also means you need to have home insurance, and you can buy some of the best home insurance policies in India from different insurance providers at attractive premium rates. Compare the policies properly and buy the one that suits your requirements the best.

While driving on the Indian roads, the possibility of an accident can never be ruled out. Whether due to a momentary lapse on your part or due to oversight on the part of someone else, accidents can take place anytime and anywhere. But the damages/losses incurred due to it can be mitigated with the help of personal accident insurance in India.

What is Personal Accident Insurance

Personal accident insurance is offered in combination with Third-party policy. Insurance companies charge a nominal fee for offering this coverage. Under this policy, you will be reimbursed by the insurance company for injuries suffered while driving your vehicle.

Is it mandatory to get personal accident insurance in India?

As per the latest insurance regulations introduced by the government, it is mandatory to get personal accident insurance in India for a vehicle owner. The current regulations by IRDAI state that the car owners, as well as bike owners, will now get a mandatory personal accident cover of Rs. 15 Lacs as per their motor insurance policies. Previously, this cover was capped at Rs. 2 Lacs for car owners and Rs. 1 Lac for two-wheeler owners against a premium of Rs. 100 and Rs. 50 respectively.

Now the premium has been increased to Rs. 750 for a cover of Rs 15 Lacs. This premium is payable over and above the mandatory third party insurance cover. If the insured person wants a higher cover, then the same can be availed by paying a higher premium, which is to be decided by the insurance company. The coverage of the policy extends to the owners of the vehicle as well as the drivers of the vehicle, provided the availability of a valid driving license.

This improvement in the personal accident insurance in India was introduced after a judgement by the Madras High Court in the year 2017. While passing the judgement, the court noted that enhancing the personal accident cover will act as some kind of solace to the victim as well as survivors of the accident.

Though there are some exceptions applicable wherein the owner can opt-out of this mandatory personal accident cover i.e.

• If the vehicle owner already has a valid personal accident cover policy with a sum insured of more than Rs. 15 Lacs.
• If the owner already has a motor insurance policy with a compulsory personal accident cover with a sum insured of more than Rs. 15 Lacs for another vehicle owned by him/her.
• If the vehicle owner already has a separate compulsory personal accident policy.

Benefits of Personal Accident Insurance

Some of the standout benefits of subscribing to personal accident insurance in India have been listed here: -

• The policy covers in the case of the unfortunate death of the insured. The nominee is entitled to the entire sum.
• The cover is even provided for total permanent disability, permanent total disability, permanent partial disability and temporary total disablement.
• Some policies even cover hospitalization due to an accident and the cost of transportation for mortal remains in case of death.
• The dismemberment of any kind is also covered in some policies. Certain companies have also given said ratio and benefits for certain kinds of injuries that will then be paid to the policyholders
• Very few companies also provide optional coverage in case of burns. This can also be considered before personal accident insurance is taken into action.
• The treatment for the burns is also covered by some insurance companies.

With such extensive benefits on offer, availing personal accident insurance in India is a necessity for the vehicle owners.

Accidents are always unfortunate, and you can never foresee when you might face such a circumstance, but it is always better to protect yourself from such unfortunate situations by getting a Personal Accident Insurance. You can easily buy personal accident insurance online by visiting the website of the insurance provider under which you want to get insured. If you have a Personal Accident Insurance, you will be able to protect yourself from huge inpatient hospitalization expenses and corresponding medical bills that can spend all your life savings in case you are met with an accident. You need to keep in mind certain things when you buy a Personal Accident Insurance: -

• Buy personal accident insurance online with a premium amount that covers your needs while not putting heavy stress on your financial stability.
• Compare the different Personal Accident Policies provided by different insurance companies and choose the one that fits your requirements the best.
• Select a policy that can be renewed online easily without having to visit the insurance company’s office.
• Personal Accident Insurance policies can provide you safety from sudden financial mishaps that can occur if you face an accident. Along with this, some of the reasons you should consider buying a Personal Accident Insurance are:
• You have any disability taken care of - If you have a Personal Accident Cover, you will be able to claim compensation for any kind of disability that you may face in the aftermath of an accident. The insurer will get appropriate compensation from the insurance provider if they suffer the loss of income due to their disability. You can avail compensation for Permanent Total Disability as well as Permanent Partial Disability.
• Accidental Death Benefit - This is one of the major advantages and the most important reason why you should get a Personal Accident Insurance. In case of accidental death of the insured, the insurance company is liable to 100% of the insured amount to the nominee which are generally Class I legal heirs such as a spouse, son, daughter, mother or father.
• Medical Expenses are taken care of - If you suffer an accident, medical expenses cost can be very high and can finish up all your life savings in a very short span of time. A Personal Accident Insurance will provide you protection from such expenses as the insurance company will take care of the medical expenses of the insured. In case of demise of the insured, the company will also take care of the funeral expenses of the deceased.
• Family Security - In case the accident leads to the death or permanent disability of the person and that person is the sole earner for the whole family, a Personal Accident Insurance will provide security to the insured’s family. This will not only provide the family with funds to support them but also shield them from any hospital expenses that will be incurred if the person is hospitalized.
• Child Education Benefit - Some insurance companies also cover the educational expenses of children under child education cover in case of death or total disablement of the person insured. Under this cover, the company will be liable to pay some amount per child, to a maximum of two children for their educational expenses.

Buying personal accident insurance online not only protects the insured but also guarantees protection and security to the family of the insured in case the person is faced with permanent disability leading to loss of income. It is always a good idea to get a Personal Accident Cover, whether individually or along with your other insurance policies for your car or bike.

Whether you buy a four-wheeler or a two-wheeler, you can easily buy bike insurance or private car insurance in India. All such insurances come with certain add-ons offered by insurers to supplement the comprehensive insurance policy and make it more valuable for the buyer. Some of the Add-ons provided are the basic add-ons while some other add-ons can be purchased by the insured at a higher premium. Each Additional Cover will cost some extra and that cost will be adjusted in the premium. Some of the basic and most common Add-ons that are available for two-wheelers and must be taken while buying insurance are: -

• Zero Depreciation Cover - Depreciation occurs due to the reduction in the price of the vehicle over time due to natural wear and tear while using the vehicle. The rate of depreciation depends on the age of the respective parts of the bike. Generally, this depreciation is required to be paid by the customer as deductible during the claim process. However, if you buy a Zero Depreciation Cover, the insurer will not deduct this amount from the claim, and you will receive a comparatively higher percentage of the claim. You should opt for this cover if your bike is new and ideally less than 3 years old. If you have this cover, you will be able to make a maximum of two claims in a policy period but if your vehicle is damaged beyond repair, you won’t be eligible for this cover.
• Accessories Cover - If you are someone who likes to have additional accessories attached to your bike and have your bike studded with additional high-end electrical and non-electrical accessories, you should buy an Accessories cover to insure those accessories as well from damages in case of accidents. To get this cover, you need to submit the total cost of these accessories while buying an insurance policy for your bike.
• Return to Invoice - With an increased premium, this cover will protect your bike from theft or irreparable damage, and the insurer will compensate you by providing the Insured Declared Value of the vehicle to you. The Insured Declared Value or IDV is less than the invoice value of the bike because it is calculated by taking into account the depreciation rate of the bike, the road tax, registration charges, etc. The IDV of a two-wheeler can reduce to 80% of its value in a span of only 2 years and if you have this cover, you won’t have to spend too much extra money to get a new bike in case of theft or irreparable damage.
• Medical Cover - This cover will provide you coverage from medical expenses that can be very high in case your two-wheeler meets an accident because there is no protection for the driver driving the two-wheeler. Taking this Add-on will help you cover the costs related to medical treatments in case you meet an accident.
• Pillion Rider Cover - There is no protection for the pillion rider on the bike as well if the vehicle meets an accident. It can be argued that in most cases, the pillion rider is at more risk of getting hurt than the driver of the bike. In most insurance policies, the rider will be covered against death or any resultant disability in case of an accident, but there is no cover for the passenger. This Add-on will provide cover to the pillion rider in case of an accident resulting in the death or disability of the passenger.
• NCB Protect - Most of the insurance companies provide a No-claim Bonus to the insured in case they raise no claims during the policy period. But, if a claim is raised the NCB is reset to zero, and to prevent that from happening you can buy the NCB Protect Cover. This will protect the NCB from resetting to zero and your accumulated bonus won’t lapse in case you raise a claim..

These were some of the Add-ons that you must consider while buying a new insurance policy for your two-wheeler as well as private car insurance in India.

Liability insurance provides the insured party protection against claims resulting from damage or harm to people or property. Intentional damage and contractual liabilities are not covered, but legal costs and payouts are generally attended to and paid. This type of insurance is also called third party insurance.

If an insured party damages someone else's property or harms someone else by mistake, liability insurance comes to place. These policies can be taken by anyone who drives a car, owns a business, practices law or medicine or just anyone who can be sued for damages or injuries. Following is a brief guide on the public liability insurance policy and all that it covers.

Due to various kinds of liability insurance available, almost anybody can get liability insurance for products, employees etc. below are the main types of liability insurance-

• Employer’s liability and workers’ compensation- This is a mandatory coverage in case employees are harmed or injured in the process of work, and this protects business accordingly.
• Product liability insurance- This insurance is for businesses that manufacture products that are sold in the market. In this case, business is protected against any lawsuit arising from an injury or death resulting from their products.
• Indemnity insurance- This insurance protects the company from negligence claims due to financial harm resulting from failure to perform.
• Umbrella Liability Policies - These usually come handy when liability limits of other insurances are reached. These liabilities are designed to protect against catastrophic events.
• Commercial General Liability- Also known as commercial liability insurance, it provides an insurance cover against various kinds of lawsuits including those that may arise from an unforeseen event with an employee, any public property damage or injuries caused by the negligence of an employee.
• Comprehensive General Liability- These kinds of Liability insurances are tailor-made for small and large businesses, typically include bodily injury, property damage, personal and advertising injury, medical payments, and operations liability. In this, compensatory and general damages on losses are paid, but punitive damages are not paid usually. However, it covers the charges of investigation or defending a lawsuit.
• The premium amount for these public liability insurance policies is based on the needs of your company and your company's priorities. For example, a real estate company or a makeup company may have more risks than an organic grain company. This is also because the bigger the size of the company, the greater is the risk. A good public liability insurance policy will take into consideration these factors.

Here are a few rights and duties of the insurer:

• The insurer investigates an event that has resulted in a liability claim.
• The injured can defend the insured in any lawsuit related to a covered type of injury.
• The insurer may settle a lawsuit at his discretion.
• Cost of providing defense is handled by the insurer.

The following are advantages of a public liability insurance policy:

• Protected against unexpected circumstances- Even after taking precautions and managing operations, there are unexpected circumstances that may cause more harm than imagined. Having public liability insurance ensures that you've selected a liability to cover for such unexpected inconveniences.
• You could get more deals - It is easier for large businesses and firms to trust your company and find it reliable if they are aware of the liability insurances in place. This gives you an edge over other competitors and could also be your saving grace.
• You may be covered against a data breach - With which data like important information about employees, products, deals, social security data, etc. data security becomes increasingly important. It is a must for every company to have a liability to cover hacking and other data breaches.

Having considered the above factors, your public liability insurance policy will not be complete if you do not personally understand the needs of your company and find public liability insurance according to that.

Health insurance is a medical insurance policy which ensures that you and your family remain protected in the case of sudden hospitalization due to any illness by providing financial coverage for all the medical expenses under such conditions. Health insurance policies are generally claimed in two different ways, by way of cashless treatment or through reimbursement of the cost of treatment at the hospital. All health insurance policies cover hospitalization costs if the hospitalization is more than a specific period but there are many different policies offered by different insurance providers wherein you may also obtain the benefit of coverage of hospitalization costs, pre-hospitalization costs, post-hospitalization costs, accidental covers as well as daycare procedures.

You can buy health insurance by visiting the respective insurance providers’ office but there is an even simpler method where you can buy health insurance online in India with ease with no extra effort. You just need to choose the type of plan that best suits the requirements of you and your family and then start the premium payment process. But, there are many things you need to consider before you finalize on a particular insurance provider and after that on a particular insurance policy provided by that insurance company. One of the most important things to consider when choosing an insurance provider and any policy is to check if most of the major hospitals of the country are included in its network list. Once you see that the network coverage of hospitals is good enough and will be suitable for you, you also need to decide on what should be your policy amount. The decision of the policy amount will also depend on your financial stability because a higher policy amount is directly correlated to the premium amount.

These health insurance providers many different types of health insurance plans, such as:

• Individual Health Insurance Plan
• Family Health Insurance Plan
• Senior Citizen Health Insurance
• Critical Illness Health Insurance
• Maternity Health Insurance
• Personal Accident Insurance Cover

All these insurance providers have lots of different policies ranging from 1 lac to 2 crores, and you can choose the policy that suits you the best. It is rightly said that prevention is better than cure and health insurance policies are the best prevention against any future health problems you may face. You can buy health insurance online in India very easily by directly visiting the website of the insurance provider whose policy you want to buy. You get the complete list of all the policies that insurance provider has available and you can check the complete benefits of all the policies and compare them to find the one that best suits your family. Once you finalize on one particular plan, enter the details of the family members you want to buy the plan for and you will be shown the calculated premium for the policy. This premium amount depends on the number of people you are insuring, their ages, the type of plan you are choosing as well as the policy amount. You will be asked to pay the first premium immediately and this premium has to be paid yearly to keep the insurance plan running. The process of buying an online health insurance plan was as simple as discussed in the last few lines. Most of the time is spent in deciding the plan, and once the plan is final, you can get set with your health insurance plan within minutes.

If you nurture and protect every little thing in your life, why not your car. Your car is something that you will use the most in your life, and it needs to be safeguarded against accidents, natural calamities, theft and malicious damage. Right now, when even minor repairs and maintenance costs can be so high, you can imagine what will be the extent of expenses in case your car gets damaged or in the worst case stolen. To avoid such a huge sudden financial loss, car insurance is important. Every year, a large number of vehicles make their way to Indian streets, and due to this reason, car insurance has been made mandatory by the Government of India under the Motor Vehicle Amendment Act of 2019.

You can easily buy motor insurance online with a very simplified process. There are no hassles such as visiting the office of the insurance provider, and you can compare all the different car insurance policies online just by visiting the websites of all the insurance providers and then choose the one provider that provides the best benefits and the plan that best suits your needs. Before you go and finalize any particular vehicle insurance plan, you should be well aware of what all kinds of damages are included in the plan and what all kinds of damages are not included in the plan.

• Loss or damage caused due to accident, theft, natural calamities, fire explosion is included in the car insurance plan.
• Loss due to gradual wear and tear of different spare parts of the car are not included in the insurance plan.
• Personal Accidental insurance cover is included in car insurance
• Loss or damage to the vehicle as a result of intoxication or drugs is not included in the car insurance.
• Financial liability caused by the injury of a third party or damage to the property is included in the car insurance.
• Loss or damage to the vehicle when it is being driven by a person without a driver's license is not included in the car insurance policies.

Car Insurance becoming mandatory should not be the only reason to buy insurance for your vehicle. You should look at the important aspects and benefits of buying car insurance and then buy a policy that is best for you according to your financial stability.

• The most important reason for buying car insurance is that it is mandatory by law with punishment for failure to do so.
• It is effectively an investment because you will save on costs that are incurred on your vehicle for repairs in case your car is involved in an accident.
• Having car insurance also provides a health insurance boost since many policies also cover injuries that may be caused to the driver and the passenger in case the vehicle is involved in an accident.

Some of the big names in the insurance field, which provide car insurance are:

• Magma HDI General Insurance
• New India Car Insurance
• Bharti AXA General Insurance
• Future Generali India Insurance
• Liberty General Insurance
• National Insurance
• HDFC ERGO General Insurance
• IFFCO Tokio General Insurance

All these companies provide a wide range of insurance policies from which you can choose the one most compatible with your needs and buy motor insurance online in a few simple steps. Along with the basic benefits of each plan, you can also opt for Add-on facilities which cover many different things at the cost of an increased yearly premium.

Even if you live in one of the safest cities of the world, you should not leave your home open and unattended else you might lose all your valuables to thieves. Everyone knows that the first reaction to theft is calling the police but very few people know what to do to prevent such thefts from happening in the first place. There are plenty of expensive as well as inexpensive ways to burglar-proof your home. Some of the best home insurance companies in India provide insurance against theft as well and it is the first thing that must come in your mind if you live in an area which is prone to thievery. Certain steps can be taken to protect your house from thieves and prevent your valuables from being stolen.

• Never leave your house open if no one is there in your house. Always lock the main door and check if it is locked properly if you are leaving your house unattended for a longer duration. Burglars do not need more than 10 minutes of time on an average to identify the most valuable things inside your house and take it away with them. A slight mistake and you risk losing it all.
• Check your locks on a regular basis and see if they are functioning properly and replace them as soon as possible if they are not functioning as they should. If any of the exterior locks are easy to pick, jimmy or bump open, they must be replaced immediately.
• Don’t cover your house from the street. There must be a clear line of sight from the street to your house so that anyone trying to break open into the house is clearly seen by your neighbors. Cut back any trees or bushes that hide your house and obscure the front door.
• Install home alarm systems and sensors so that as soon as there is a break-in inside your house, the fire alarm sounds immediately and informs the neighbours that there is something wrong.
• Upgrade all your doors and windows and reinforce the doors, windows, locks and all hardware required to keep your house safe from burglars and thieves.
• Use motion light sensors inside as well as outside your house, so that they light up in case there is unpredictable movement outside your house. Such sensors can sense movement outside the house and may even warn the owner if there is some unusual movement outside the house.
• Don’t broadcast details about your upcoming trips on social media. This is one thing that thieves may be on the lookout for and if there is no one at your house, they will have the perfect moment to attack your house and take away your valuables.
• Always keep your valuables inside lockers and safes. The keys to such lockers and safes must also be kept secured and out of normal sight.
• Garages and garden sheds are the softest targets for entry into your house. An automatic lighting system attached to your garage or your garden shed can be a useful deterrent to protect your house from burglars.
• Keeping a good relationship with your neighbours can help you in making your house look occupied even though it is unoccupied. You can tell your neighbours to collect the mail, clean the porch or to mow your lawn and some neighbour can even park in your driveway.

An empty house looking empty is the safest target for burglars. A house not looking unoccupied even though it is unoccupied deters the burglars because they can never be sure if it is a safe target to attack. You can keep in mind the above tips to protect your house and also get a suitable policy from the best home insurance companies in India, in case you are going out for that long holiday you have been longing for.

When you buy a car insurance policy online, you enter into a contractual agreement wherein you have to pay a specified amount as premium to your insurance provider in return for the protection the company provides you against damages to your car. In case your car meets an accident, the insurer is liable to pay you the compensation as per the contract but to get that compensation you need to file a claim with the insurance provider. The insurance claims are generally classified into two types:

1. Cashless Claim - If the customer has a cashless claim, the customer will not have to pay any amount upfront for repairs at any of the network car garages of the insurance provider. It will be the job of the car insurance provider to settle the claim with the workshop on behalf of the policyholder. In such a claim, the insured has to get their car repaired at the partner workshops of the insurance company

1. Reimbursement Claim - For a reimbursement claim, the insured has to pay for the repair of the damages to the car and later depending on the terms of the car insurance policy, the reimbursement claim is made. In such a claim, the insured does not need to get their car repaired at any of the partner workshops of the insurance company, but all the bills have to be produced at the claim.

To raise a cashless claim, you need to follow certain steps in case your car meets an accident: -

• Note down the license number of all the vehicles involved in the accident and also get the names and contact details of the witnesses, if possible.
• In case there are third-party damages such as injuries/deaths, property damage, or any other such critical issue, you should file an FIR at the nearest police station.
• Contact your insurer and report the accident, and you will receive a claim number.
• Ready all the documents as told you by the car insurance company, which you will have to present before the company representative.
• Take the vehicle to a network garage whose details will be provided to you by the insurance company to get your vehicle repaired.
• A Customer Service Manager will get in touch with you within 24 hours, and you will have to show him all the documents related to your car and its insurance.
• If the Customer Service Manager is satisfied with your papers, he will give the go-ahead for the repair work and you can get your vehicle repaired.
• Once the repair work is completed, the insurance company will make the claim payment to the garage for the repair costs.
• You will have to pay the deductibles which will be intimated to you by your CSM once the repairs are done.

You can also make a Reimbursement claim if you need to get your car repaired after meeting a severe accident:

• Take a note of the details of all the cars involved in the accident and if possible, try to get the contact details of some witnesses.
• Report the accident to your insurance provider immediately through a toll-free number provided by the company.
• A Customer Service Manager or CSM will get in touch with you within 24 hours and will tell you to submit all the bills and invoices to the company to get the claim.
• Once the claim is approved, the company will start the claim settlement process.
• The claim amount is sent directly to the customer according to the terms and conditions of the contract.
• If you have proper documents, you will get your claim, but your claim can also get rejected if you were driving without a valid driving license or if you were drinking and driving. Once you buy a car insurance policy online, make sure to read the policy documents completely, so that you do not face any issues while filing a claim for the damages to your car.

Nowadays, renewing your car insurance is also as simple as just buying new car insurance. You don’t have to make several phone calls or wait in a queue at the insurance company’s office to get your insurance renewed. While renewing your insurance, you also have the option to switch to a different insurer which provides better benefits to you at the same or lesser premium. Although the process of renewal is very simple and hassle-free, you should take care of certain things before you are going to renew your insurance or are thinking about buying new car insurance: -

• Check the Insured Declared Value or IDV - Depending on the age of your car, the insurance premium amount may change, so get the IDV re-evaluated. This will not only help you in getting a better price, but you will also get compensated accordingly in case of theft or loss.
• Do claims check - In case you are thinking of changing your insurer, always make sure to check the claims ratio of the previous insurer and verify it against any claims you have made.
• Appropriate Coverage with your plan - If currently you only have third-party insurance plan, consider getting a better and comprehensive plan which will also provide you coverage against the heavy expenses incurred on your car if it meets with an accident.
• Make sure to check Cashless Garages - Always check for cashless garages in your area when renewing your insurance plan with a different insurer so that you get the benefits of free repair for your car.
• Check the discounts and other deductibles- When renewing the insurance plan, make sure to check if you have got all the discounts you are eligible for with the plan, just like you do when you buy new car insurance. A deductible is an amount that you are required to pay before every claim and if it exists, make sure that it fits your budget.
• Get Add-ons with your insurance plan - There are many add-ons available with the insurance plans, and you should consider getting them. Add-on covers like Zero Depreciation, Engine Protector or Return to Invoice can help you if your car is less than 5 years old.

Here is how you can renew your car insurance online:

• Once you have finalized your plan, you need to enter your details on the website of the insurance provider. Some details you need to be ready with while renewing your insurance are: -

  1. Your Full name

  2. Your Address

  3. Car Registration Number

  4. Car-maker and model

  5. Previous Policy Number

• Select the Add-ons that you want along with your insurance plan. Some of the common add-ons are: -

  1.Zero Depreciation

  2.Roadside Assistance

  3.Return to Invoice

  4.Engine Protection

  5. NCB Protect

  6. Loss of Personal Belongings

• Once you are done with all the above steps, the final thing is only the payment. Complete the payment procedure and you will be done with renewing your insurance plan.

Renewing car insurance is as simple as buying new car insurance. Make sure you completely understand all the policy terms before you finalize the payment procedure for your insurance.

A good marine insurance guards you and your consignment from a variety of hazardous and unforeseen disasters and events. Below are all the clauses that are pivotal to marine insurance in India-

1. Institute Cargo Clause A- This clause covers all kinds of risks involved from loading and unloading to risks during the voyage.

2.Institute Cargo Clause B- This clause covers lesser risks compared to clause A and must be meticulously checked before buying as it may exclude key risks your type of work may be exposed to.

3.Institute Cargo Clause C- This clause covers the least number of risks and might even be the cheapest. However, the risks are higher at sea and if this clause is being adhered to, then one must research thoroughly before buying.

4.Valuation Clause- In this case, both parties namely, the insurance provider and the customer mutually agreed upon a said value. In case of damages, the compensation will be equal to the value and not any more than that. This ensures that both parties are convinced and arrive on common ground.

Art and Form' Clause- This clause usually states the time when the risk will start and be covered. This is important as most people don't read through the specific marine insurance clauses provided by their insurance provider. For example, if the marine insurance states, 'at and from Chennai' then only risks considered will be post-arrival to Chennai port and when it leaves the port.

Sue and Labour Clause - According to this clause, if an insurance holder has spent money to save goods from impending loss, then he or she is to be compensated for those charges by the insurance company. Additionally, unlike the 'change in voyage clause' here, any deviation does not have anything to do with saving the 'subject matter', the insurance company policy will not become void even in cases of a deviation or change in the voyage.

Warehouse to Warehouse Clause- The marine insurance policy mentions the warehouses that the goods are taken and delivered to. This means the company will take charge if any uncertainties occur while goods are being bought from hinterland to port and also during the voyage.

8. Change of Voyage- Any marine insurance mentions the details and the ports of arrival and departure accordingly. Insurance policies also provide said routes that are to be adhered by and followed. In cases of a deviation, marine insurance companies are not liable to settle the claim. If the route is later revered to, then this change is considered as a deviation. However, the insurer is not liable to secure against losses occurred in any change in the original route.

9. Touch and Stay Clause - This clause ensures that ships stay at the ports mentioned in the marine insurance policy. If a certain port is not mentioned, a ship must follow the routes given in policy and stay at the mentioned ports only. Only emergencies and justifiable reasons will be considered for calling at ports.

10. Inchmaree Clause - Under this clause, the negligence of the master or crew members are also covered under the insurance policy. Apart from this, other losses occurred during loading and unloading operations will also be duly recovered.

11. Jettison - In certain circumstances, shops may have to throw excessive luggage when it's the only way to save them. This is called Jettison and must be done intentionally and immediately.

12. Memorandum Clause - Under this clause, the insurance company does not have to pay for the losses of perishable goods. These losses will not have to be paid by the policyholder either.

With the awareness of the above clauses, you can be prepared to obtain a good Marine Insurance in India and be certain that the cover includes the above clauses. This will also help you in obtaining a good deal.

Does your company rely on some huge equipment to generate revenue? Even one failure or breakdown will lead to costly repairs to the extent that a company can even be forced to shut down indefinitely. So, how would you possibly have operated, without these key pieces of machinery like heavy machinery or specialized manufacturing equipment?

Usually, considering other things, companies overlook the importance of manufacturing power. The machinery is the backbone that keeps the force running. They're also a major investment and if not insured, any damage can cause not only hindrance but could also stop workflow altogether and huge loss. Therefore, it's important to opt for a machinery breakdown insurance policy. It is a form of property insurance designed to transfer unexpected breakdown risks associated with a company's mechanical and electrical equipment.

This insurance will cover physical damage from the unanticipated breakdown of machinery. By repairing or replacing the additional costs, this insurance will keep your work going and ensure it doesn't halt in the light of such unforeseen events.

Unfortunate and unforeseen circumstances caused due to carelessness, short circuit, electric overpressure, failure of safety device operation, defects in assembly, structural or mechanical, loosening of parts or excessive speed, falling, impact, collision and entry of foreign goods in the machinery are covered. Under this policy, the sum insured includes the following:

• Replacement value of the equipment
• Erection costs
• Freight charges
• Duties paid
• Value of brickwork

These policies are usually flexible and help organizations recoup financial losses related to property damage, interruption and spoilage. The premium, however, is calculated once the type of equipment and factors like their capacity and price are taken into consideration. There is a different premium for different machinery used. The machines that can be insured are-

• All stationery machinery equipment
• Electrical equipment
• Mechanical plant equipment
• Process machinery in industries

The eligibility criteria are that the owner or lessor of the machinery can get the insurance.

Mechanical loss of engineering insurance policy includes compensation for the cost of repair and replacement arising from unforeseeable circumstances. The cover is effective even if the equipment is not in use. The machinery is also covered if the equipment has been dismissed for maintenance and overhauling or is moved to a different location.

Usually, with an additional premium, the machinery breakdown insurance policy also covers third party liability, additional customs duty, air freight, escalation, property surrounding machinery, overtime, holiday wages etc. This makes it an essential complete package.

Since machinery breakdown insurance policy is for electrical and mechanical equipment, electronic material such as computers are not protected or covered. Specific risks that are not included in this policy are wear and tear, war, fire, gross negligence, damage due to overload and known pre-existing defects.

Machinery breakdown insurance is now crucial for businesses of all kinds and provides protection. However, secure the right policy to ensure your business is covered before, during and after an equipment breakdown.

So much deliberation goes into buying a car, but car insurances? Not so much. This is one of the most concerning problems as these trivial mistakes are overlooked and more importantly can even be done away with if one is cautious enough.

Car insurance is almost mandatory in times like now but keeping relevant information from your insurance provides is often misleading than not. Here are mistakes to avoid when you're buying a car insurance policy -

• Not comparing prices- Many people who instantly go for insurances provided by someone they know or the insurances their acquaintances have applied for. Although the reliability factor is higher here, you can't be sure that they'd have made the right decision or looked up the new car insurance rates and updated offers in the market. For this one reason at least, compare the prices of different insurance policies till you're totally convinced about a single policy over the other. This will also give you the additional satisfaction of having researched well enough and made a wise choice.
• Cheap insurance policies- Cheaper insurances come with the obvious hazard that there's something flawed or even shady the company is trying to keep from you. Sometimes, companies manage to go about selling these without some key features which you may happen to overlook. Most people usually opt for the cheapest or the insurance policy with the lowest premium, and that doesn't assure the same type of safety as good reliable insurance will offer. Do not make hasty and flippant choices, as it's obvious that a lower premium also means a lower cover is provided when necessary.
• Buying it offline- Even if you know someone who may provide insurance services from a reliable company, there are a lot of unnecessary hidden costs that you'd not know. Rather than going for a cheaper unreliable premium, you can just opt for a good and reliable premium from a reputable company that also gives cheaper options. This is usually overlooked because people still choose or prefer the offline modes of application and payment. However, it is always more beneficial to find the online versions as not only does it come with a greater variety of options and plans, but it will also remove all the hidden costs for the job.
• Low deductibles- This is like choosing for cheap premium except here, deductibles are the charges paid by a customer before receiving the claim. If you're going to focus on this factor, then you'd be missing out on a balanced plan with a good premium as well. Usually, lower deductible plans come with higher premiums. Either way, you'd have to pay that said amount so why not choose a more profitable variation. If you opt for a policy that requires a higher deductible, then you can also attain the no claims bonus. This 'No Claim Bonus' or NCB is when an insurance company pays you if you do not file a claim for a stipulated amount of time. This could be an additional profit you will not be able to enjoy if you pay a lower deductible and a higher insurance premium.
• Driver details and history- Usually, the factors considered for the insurance premium include the details of the driver, including the age and other details like safety equipment installed, driving style. These may increase or decrease your premium accordingly. But because of that, if you choose to hide certain details for a lower premium thinking you've made a smart choice, it's misleading and doesn't assure you the certainty of your insurance. If an insurance provider finds out about the hidden details, they hold the authority to dissolve your policy as an invalid one. So, don't make a mistake like this just to save a few hundred rupees.

Acquainting yourself with the new car insurance rates, terms and conditions, and other essential aspects of the insurance policy is essential to help you maximize the benefits on offer.

Today, the number of cases with construction workers being a victim of such accidental risks is increasing. There isn't much awareness around it to make every person understand its importance. Physical loss of engineering insurance includes protection from machinery breakdown, machinery loss, contractor's risk, etc. The major focus is on covering losses that are unforeseen and unexpected. This is also called machinery breakdown insurance.

In the workplace, regardless of the precautions taken, it's always possible that there are unexpected and unfortunate accidents that might put you at risk. This is why you need the physical loss of engineering insurance.

Types of engineering risks include -

• Stock deterioration - Stock deterioration includes the depletion of goods kept in cold storage. This is covered if there's a breakdown of refrigerating machinery. It's similar to machinery breakdown insurance and can be seen as a subset of the same.

This type of insurance may benefit you if you're owners or users of cold storage houses, food preservation industry, and meat and fish processing industries, chemical and pharmaceutical industries.

• Movement of Machinery - This insurance covers the damage of machinery during specified operations. This type is important as a lot of machinery is heavy and not always easy to move accordingly. There can be damage during such movement even after the said precaution is taken. This type also often includes incidental storage in transit and moving and unloading to the work position.
• Computer equipment - Computer equipment insurance covers loss of or damage to all computer equipment. Additionally, provides cost required to reinstate lost records. These apply to almost every firm today that can make use of this insurance. Especially with data at threat, companies must safeguard themselves and have an insurance plan to turn to in such a situation.
• Unexpected damage - This policy covers damage that is unexpected and could be due to internal defects or external unfortunate situations. This insurance covers accidental damage most of the time, but it's advisable to check the documents and peculiarities before you go ahead.
• All Risk Cover - The all-risk cover, usually known as the Contractor's all risk, covers all of the above insurances. Usually, the threat of a single kind seems more than the rest, and hence particular insurance opts-in isolation. To easily define it, it covers all risks related to construction.

Here are the reasons why engineering insurance is important

• Machinery breakdown - This is one of the overlooked factors. Be it machines on the ground or even computers; your insurance must cover not only the cost of damage done to the computer installation but also for all the data that was lost. You can opt for machinery breakdown insurance as well.
• Risks of explosions - Such an unsafe work environment comes with its risks and troubles. Insurance will make it one step closer to safety, and you know you're covered in times of crisis.
• If you're in a risky job like that and have the uncertainty of consequences if something unfortunate happens, engineering insurance is your go-to remedy. Insurance covers can be generally applied to, but every insurance does not cover it all in detail. You can always choose multiple insurances, and that's completely alright. But you may need to understand something very important, at a workplace like a construction site; you ought to know that engineering insurance cannot be compromised.