GENERAL INSURANCE BLOG

Recent studies indicate that over 50% of vehicles on Indian roads are uninsured, of which two-wheelers make the majority. This is alarming considering the lack of safety features in two-wheelers and poorly maintained Indian roads, which lead to the ever-increasing number of road fatalities.

Despite making two wheeler insurance India mandatory, a vast majority continue to undermine its importance. This may be attributed to the financial product's complexity and uncertainties concerning the claim settlement process. While two wheeler insurance India protects against financial losses and damages from riding accidents, it is contingent on the claim's approval. Insurance providers have recognised the fear of potential policy buyers and have further simplified the process of raising a claim to increase penetration rates in the country.

Follow these tips to ensure the successful two wheeler insurance claim settlement.

How to raise successful claims?

This may come as no surprise, but the best way to raise a successful claim is to follow the insurance company's claim settlement process correctly. It is ideal for complying with the settlement procedure stated on the insurer's website to ensure favourable results. Most insurers have similar processes, which are reasonably straightforward to follow.

However, here are some tips to make sure that your claims are viewed favourably and settled at the earliest.

1. Early reporting:
Inform your insurer immediately after the accident. If you delay the process, you may forget the essential details required to validate your claim. Visit the insurer's website or call their toll-free number to raise a claim. If not possible, initiate the process within a week of the accident.

2. Proper surveying:
It is understood that an accident is a traumatic event to witness or be a victim of, irrespective of its scale. However, to successfully receive a complete settlement, you need valid and comprehensive proof to support your account. While details like the number plate of the other vehicle, pictures showing the damage, etc., are essential, any minute details can help solidify your stance.

3. Maintain precise post-accident records:
The most commonly accepted record by insurance companies is an FIR filed at the nearest police station to the accident site. Any medical expenses or bike servicing costs should also be recorded and submitted to the insurer for compensation.

4. Gather proof of following standard driving protocol:
An accident is an unfortunate event that cannot be entirely blamed on either party. While insurance companies look at the overall picture before passing a judgement on the case, you must ensure that you followed appropriate driving guidelines at the time of the accident. Here are a few reasons that can get your claim rejected:

● Riding without a valid driver's licence

● Riding with a lapsed two-wheeler insurance policy

● Riding under the influence of substances

● Reckless riding

● Use of two-wheeler for commercial or unauthorised use

5. Check your policy's inclusions:
Raising a claim requires knowing your policy's coverage to avoid rejection. You must know essential details like the authorised geographical region, active policy period, etc. Before raising the claim, ensure that you do not fall under any exclusions. Do not make false claims that you cannot support with evidence, as it automatically leads to rejection.

6. Provide all the requisite documents:
In case of incomplete submission of documents, you will have to duplicate efforts and submit the records until you satisfy the insurer's requirement. Usually, the list includes

● Copy of valid two wheeler insurance India

● Contact details of the policyholder

● Copy of FIR filed with the nearest police station

● Claim settlement form

● Copy of driver's licence and registration documents

● Original bills as proof of medical expenses and repairs

Two wheeler insurance India is a prudent mechanism to ensure protection against financial losses and damages to third parties due to your two-wheeler. Despite the general notion of the tedious nature of the claim settlement process, you can raise claims successfully by following above tips and simply complying with the insurer's requirements!

Click HERE to purchase hassle-free two wheeler insurance India policy.

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

In India, as in the rest of the world, countless single people and couples want to start a family. However, not everyone has the same level of luck, and natural conception may not be an option for certain men, women, or couples. Thus, surrogacy is viewed as an excellent option for resolving this issue.

However, there are several potential problems when deciding to go through with surrogacy. To safeguard intended parents' rights and surrogate moms, the Indian government has enacted new surrogacy legislation, which indirectly impacts online health insurance companies. Keep reading to find out what the law in India says regarding surrogacy.

The Surrogacy Regulation Act in India.

Surrogacy is a burning issue in many parts of the world, considering their complex surrogacy laws. Before commercial surrogacy was banned in 2015 in India, surrogates in India used to suffer victimisation due to the lack of protection by law. It means they had limited support from the law or any other form of government to protect themselves. Plus, they were to follow either the Supreme Court's lead or the advice of the Indian Council of Medical Research.

However, The Surrogacy Regulation Act came into force on January 25, 2022, ensuring fertility services' safe and ethical practices.

Who can get surrogacy?

A surrogate mother must be in good health and between the ages of 25 and 35. She must have been married at least once and raised a child alone. She must also be a close relative of the intended parents. A woman can only serve as a surrogate once in her lifetime under the new Indian surrogacy rules, down from a maximum of three times under the old law.

Regulatory framework for surrogacy in India.

There are two sorts of surrogacy: traditional surrogacy and gestational or host surrogacy. Artificial insemination with the father's sperm is the traditional method. It establishes the surrogate as the child's actual mother.

An embryo created via in vitro fertilisation is implanted into a surrogate mother in gestational surrogacy. It is widely held that gestational surrogacy is simpler than traditional surrogacy, which has led to increased cases involving gestational surrogacy.

Following is a summary of the recent legislation regarding surrogacy regulation, effective as of January 25, 2022.

1. Commercial surrogacy banned:
Commissioning parents in the legally permitted altruistic surrogacy arrangement are responsible for covering the surrogate's medical expenses and providing health insurance coverage. Initially, only commercial surrogacy was legal in India. Earlier, commercial surrogacy compensated the surrogate mother for her services.

2. Health insurance proof becomes mandatory:
Couples who choose surrogacy to have a child must pay for the surrogate mother's health insurance for three years. The IRDA must approve the insurer following the Insurance Regulatory and Development Authority Act requirements. The sum insured must be sufficient to cover all costs incurred by the surrogate because of difficulties emerging during and after the pregnancy.

3. Additional protection for the surrogate mother:
The surrogate mother can end the pregnancy at any time during the surrogacy arrangement. The permission form format to be obtained from the surrogate has also been changed.
The couple must file an affidavit guaranteeing payment of expenses of the surrogate mother, including medical care in the event of illness or the surrogate mother's death and compensation for other losses.

The new surrogacy rules in India are intended to protect the rights of surrogate mothers by guaranteeing them access to online health insurance companies and policies if any difficulties arise during the pregnancy. While this is a positive development, India still has a way to go before we adequately safeguard the rights of surrogate mothers.

Click HERE to buy health insurance if planning for surrogacy.

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

A comprehensive bike insurance policy protects you in case your bike gets stolen. It ensures the receipt of the total insured value or the IDV of your bike from the insurance company. This way, two wheeler insurance will reimburse you when you raise an insurance claim.

But what happens to your expensive belongings kept in the bike, such as your bag or wallet, that have disappeared along with your two-wheeler? Worry no more! You can now buy an add-on theft cover while purchasing two wheeler insurance online or offline to protect your personal belongings.

The benefit of theft add-on.

A theft add-on feature for your bike’s comprehensive insurance policy enhances its value by covering your personal belongings’ value. You can purchase this add-on cover while buying new two wheeler insurance online India or renewing the existing policy. The insurance company becomes liable to pay the amount mentioned in the add-on cover. The depreciation amount is deducted to date for your personal belongings in case your bike gets stolen.

Documents required.

You must provide the following documents to raise an insurance claim:

1. An FIR filed with a police station immediately after your bike is stolen

2. Original invoice of the items for which you are staking a claim or proof of ownership of the belongings stolen

You must inform the insurance company of the theft within 30 days of the bike being stolen. The insurance company will not entertain any claim post this period. Also, insurance companies will not accept claims for items not meant for personal use. It means the lost item should not be for trading or commercial purposes. Also, the item you are claiming should be inside or on the bike when it gets stolen.

Advantages.

Opting for a theft add-on to your bike insurance has several advantages:

1. Only this add-on assures you of reimbursement for the loss of your personal belongings present in your bike in case it is stolen.

2. This add-on protects your hard-earned money. You can have complete peace of mind and leave behind your belongings on your bike without worrying about their loss.

Limitations.

There are a few limitations of theft add-on to your bike insurance too.

1. Depreciation:
Insurance companies charge high depreciation for your valuables. The minimum percentage of depreciation charged is 20% which can go up to 80% for items over four years old. Hence, you may get a minimal amount for your lost personal belongings.

2. Documentation:
The formalities required to support your insurance claim for your personal belongings are cumbersome. For example, you may not have proof of ownership of all the items stolen with the two-wheeler and may not get the claim passed for them.

The theft of your bikes is not in your control. A standard insurance policy will only provide compensation for your bike and not your valuables. Opting for a theft add-on to your bike insurance is an intelligent choice. It has more advantages than limitations and will protect the valuables in your bike.

Similarly, opting for two wheeler insurance online India is a great choice. It minimises paperwork, saves time, and is much more convenient than buying an insurance policy through conventional channels. You can make an informed choice by comparing similar policies of all the service providers and choosing the best amongst them. Hence, ensure your peace of mind by buying your two wheeler insurance online India policy.

Click HERE to buy two wheeler insurance India policy.

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

As we progress, we are moving towards better options in all aspects of life. Advancements in medical science over the last few decades have resulted in ground-breaking discoveries and the latest med-tech developments. The constantly evolving world of medicine has resulted in innovation in the dental industry. This discovery came in the form of clear aligners, which are the latest trend. Orthodontists globally suggest them as they are better suited for many reasons, making them preferred over traditional braces. But why are they so popular? What makes them different? We will discuss them all in this article.

Clear aligners are still an upcoming trend that many may not know. Due to this, we will help you walk through these unique orthodontic devices and how they straighten your teeth. Regardless of your dental problems, you should always have the best health insurance policy in India to cover all your medical expenses. Now, let's understand the benefits of clear aligners.

What are clear aligners?

Clear aligners can fix misaligned or unorganised teeth placements. After conducting an intraoral scan, orthodontists can determine the problem with your teeth and possible solutions. Made with cutting-edge 3D technology, each aligner is customised according to the patient's needs. The aligners move the teeth into place gradually without causing pain. The time taken to do so depends on the unique condition of every individual.

What are the benefits of clear aligners?

1. Maintains oral hygiene:
With clear aligners, you can maintain your dental hygiene without any hassles. You can remove them as per your will and then brush your teeth meticulously without fear. On the other hand, you need to clean carefully when you have your braces on. Braces can cause dental problems as you cannot brush your teeth well. It can lead to other oral problems like bad breath and cavities.

2. Freedom to eat or drink anything:
Braces bring several dietary restrictions and place constant pressure on your teeth. However, you will feel nothing with aligners, as they are removable. You can eat or drink to your liking.

3. Practically invisible:
It is very difficult to spot clear aligners. They are almost entirely invisible. This means that you need not inform anyone about your orthodontic treatment. In stark contrast, metal braces are easy to notice. This can be a matter of embarrassment for many adults and teens.

4. No operational hassles:
The whole process of getting metal braces done can be tedious. It requires regular monitoring and tightening to keep you comfortable. If any wire is left unopened, it can lead to ulcers in your mouth. With clear aligners, this is not a problem. It does not require any tightening during doctor appointments.

5. No obstruction to teeth whitening:
Metal braces can force you to compromise on your dental hygiene. This can lead to the loss of a pearl-white smile. You may also notice plaque formation as a result of bacteria growth. If left untreated, you may have decayed teeth, bleeding gums, and other problems. To avoid this, switch to clear aligners, which pose no threat to your white teeth in any way. You can brush them whenever you want and not fear being cautious around metal wires.

Clear aligners are the future of dental science. They are highly effective, consume less time for fitting, and show results sooner than metal braces. With advancing times, most people will switch towards clear aligners to treat their teeth. In any medical situation, purchasing the best health insurance policy in India may help you cover the procedure's cost.

Click HERE to invest in the best health insurance policy in India.

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

Abdominal pain is a prevalent issue of concern worldwide. The common causes of abdominal pain are gas, indigestion, and constipation. They don’t require urgent medical care, and you can get relief in a few hours. However, there may be more serious causes of abdominal pain, like urinary tract infections, kidney stones or infections, and even appendicitis which can be serious.

These are some causes for which you must seek immediate medical help. If the cause for your lower abdominal pain is an inflamed appendix, more often than not, you may have to undergo appendix surgery. The surgery cost is high, making it essential to buy health insurance online. While health insurance covers medical expenses, taking precautionary measures and being aware of its symptoms is necessary.

Let us understand lower abdominal pain caused because of appendicitis more clearly.

What is appendicitis?

Our large intestine has a pouch-like structure at its beginning, known as the appendix. The appendix sometimes becomes inflamed and fills with pus, causing immense pain. This situation is called appendicitis. It is treated with antibiotics and must be removed through surgery.

You should not ignore severe and persistent lower abdominal pain as it may be a sign of appendicitis. It can be dangerous and result in a ruptured appendix that can cause severe infection when ignored.

What are some common symptoms of appendicitis?

If you regularly suffer pain in your right lower abdomen area for a prolonged period, it is time for you to visit a good doctor. Also, the severity of pain eventually increases if not diagnosed early. Other symptoms of appendicitis include nausea, vomiting, fever, and loss of appetite.

What are the associated risks of appendicitis?

When the appendix becomes blocked and inflamed, bacteria multiply in it. The appendix can start swelling, along with pus formation. This causes painful pressure in the lower abdomen. It can also block blood flow. Not only does appendicitis cause immense pain and trouble, but bacteria can spill into the abdominal cavity with the bursting of the appendix. This can result in developing life-threatening infections.

The pain caused by appendicitis is usually so severe that it can even wake us from sleep. It can worsen within just a few hours and may require immediate hospitalisation.

How is appendicitis diagnosed?

There is no specific test to diagnose appendicitis. The doctor first understands the symptoms and your medical history. He will physically check for swelling or rigidity of the lower right part of the abdomen. He may also perform a digital rectal examination.

The doctor may ask you to get a few more tests done to ascertain the occurrence of appendicitis. This may include blood tests, urine tests, and abdominal imaging tests.

How to prevent appendicitis?

There is no way by which we can fully prevent appendicitis and the subsequent pain that it causes in the lower abdomen. But having a high-fibre diet can help reduce the chances of appendicitis. Additionally, increase the intake of fresh fruits and vegetables, lentils, beans and other legumes, split peas, brown rice, whole wheat, oatmeal, and whole grains. Consider the intake of some fibre supplements with the approval of your general physician to ensure a well-balanced diet.

One should never ignore lower abdominal pain as it can be a sign of appendicitis. The pain and uneasiness can lead to fatal infections. Since such ailments are beyond control, one should focus on safeguarding their health. Buy health insurance online with comprehensive protection to cover the costs of treating appendicitis without feeling a pinch on one’s wallet.

Click HERE to buy health insurance online policy.

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

Detecting faults in your home's electric circuit can be simple if you know exactly where the fault is or which appliance has malfunctioned. Proper knowledge is the prerequisite to easily detecting faults in the home electrical circuit. It can be in any room, hallway, verandah, bathroom, bedroom, or kitchen.

The power supply may get disrupted in the entire house or only some portion of it. Safety is paramount when it comes to detecting faults in electric circuits. Even a small mistake can cause loss of life and massive property damage.

Are you someone trying to detect electrical faults for the first time? Let us understand how you can proceed with it conveniently.

1. Get the right gear:
The right equipment and tools are necessary before repairing a fault in your home's electric circuit. Get the right tools that ensure your safety while checking for the fault. Use a socket tester and voltage meter to check the running current.

2. Switch off the main power supply:
Make sure you switch off the main power supply of your house before trying to touch any open wire or faulty appliance. You can also remove the circuit fuse of the particular room or area where you plan the repair. Failure to do so can result in an electric shock.
If there was smoke or crackling noise from any wire or switchboard, wear rubber boots or slippers and rubber gloves before touching any wire or board. They will provide some electrical insulation if they are made of 100% pure rubber without any holes or tears.

3. Testing a faulty appliance:
If any of your appliances are not working, you should try to plug them into another socket to ensure it is working properly. If the appliance works there, you have a problem with the circuit of that particular room. If the appliance still does not work, it means that your house's electric circuit is okay and not at fault. You will have to get the appliance repaired from the electrician.

4. Checking the Fuse / MCB:
Our homes have fuses or MCBs (Miniature Circuit Breakers) for every room and separate portions of our house. To prevent overloading, there are separate MCBs for heavy appliances, such as an air-conditioner. When a circuit or appliance malfunctions, the fuse will break, or the MCB will trip automatically, which will shut down power to that circuit.
Whenever you face a power problem in any particular house area, you should first check the respective fuse/MCB. A faulty appliance can also result in tripping off an MCB or blowing a fuse. You can repair the fuse by fixing the live wire if the fuse is blown. If the MCB is down, you should switch it on again and check for the fault in that particular room or appliance. If the problem is still there, the MCB will trip or shut off again. In such instances, you should call a qualified electrician rather than fixing it yourself.

5. Faulty power line:
If all the MCBs are also fine and there is still no power in your entire house, the problem can be bigger from the main line or the transformer. Please do not try to rectify faults from the main line because of the high voltage running through them. Call a qualified technician who is capable of repairing such faults.

You do not have to run for a qualified technician whenever you have a minor electrical fault at your house. You can also detect and repair the fault if it is not that severe and manageable. However, you should be careful while checking or repairing faults in your home electric circuits.

Faulty electric circuits and malfunctions can result in fire and heavy loss at your house. Fret not! Home insurance provides you with safety and security from any such unfortunate events. It covers the house structure and its contents and assists in rebuilding the damaged property. Get complete peace of mind by opting for a good home insurance policy.

Click HERE to purchase a comprehensive home insurance policy.

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

Travel is like hitting a reset on the mundane flow of life. It is a breath of fresh air a amid hectic schedule involving tedious work. Refocusing efforts on personal growth rather than material success to prevent burnout and enhance productivity has allowed young professionals to take holiday breaks, explore the world to develop new perspectives, and take on new challenges.

While travel opens up a new world of possibilities, cultures, and experiences, one should never neglect uncertainties. Accidents are an uncertainty in life that one must always prepare for. Often forsaken since they are rare occurrences, irrespective of scale, they leave the victim with pain, financial burdens, and sometimes, lifetime disabilities.

Although you can't prevent accidents, you can be prepared and protect yourself against allied financial losses by buying personal accident insurance India. If you are an avid traveller, here's why you should consider purchasing personal accident insurance India before setting on your next journey.

What is personal accident insurance India?

The severity of accidents is often undermined due to their infrequency. However, irrespective of the cause of the accident, they may lead to accidental deaths, bodily injuries, or disabilities. Personal accident insurance India seeks to insure the policyholder against the financial losses arising from specific accidents that health and life insurance exclude.

Why should travellers purchase personal accident insurance India?

1. Stress-free travel: Exploring new lands and getting a taste of new experiences is best enjoyed without additional stress. Personal accident insurance India protects against accidents you may encounter while on your globe-trotting adventure. Check the fine print of your policy to ensure that your insurer covers accidents occurring abroad. If not, make sure you buy additional specific coverage for the same.

2. Medical compensation:
With medical inflation reaching record heights, healthcare services are costly across the globe. Depending on your preferred destination, you may have to shell out more if you need medical attention due to an accident. Personal accident insurance India covers hospitalisation and allied medical expenses, lifting the financial burden from your shoulders.

3. Additional benefits:
Apart from the medical compensation offered to the policyholder, their family can avail of family transportation allowance, children's education allowance, loan protection services, etc., to shift the burden from the policyholder.

Types of personal accident policy coverage.

1. Accidental death cover:
In case of the insured's accidental death, the nominee receives 100% of the total insured sum stated in the policy.

2. Permanent partial disability cover:
This insurance plan acknowledges disabilities that limit the functioning of the person. For partial disabilities like the loss of specific senses or body parts, you can claim up to 100% of the insured sum.

3. Permanent total disability cover:
Accidents that lead to the loss of essential body parts like limbs that directly impact the insured's ability to return to normal activities make the nominee/policyholder eligible to claim the assured sum.

4. Temporary total disability cover:
Where accidents impair the policyholder's ability to return to regular activities temporarily, the insurer pays a specified sum during the rehabilitation period in the form of a daily or weekly allowance to meet EMI payments, general living expenses, etc.

Exclusions of personal accident insurance.

Before purchasing personal accident insurance India, you must be aware of some of the main exclusions not covered by the policy:

● Natural death

● Pre-existing disability or injury

● Suicide or self-injuries

● Influence of intoxicants

● Acts of terrorism

● Engaging in criminal activities

Encountering an accident is not predictable. Purchasing personal accident insurance protects the policyholder against many accidents, including travel accidents. To protect yourself and your loved ones from unknown risks and travel stress-free, buy personal accident insurance India at the earliest from your preferred insurer!

Click HERE to buy personal accident insurance India policy.

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

Short-term memory loss following an accident can drastically impact a person's life. People are left feeling disoriented, estranged from their families, and unable to carry on as they did before the catastrophe. Additionally, it can indicate that the person has experienced a severe brain injury, which necessitates rapid medical care.

Consult your doctor immediately if you're losing memories after being hurt in an accident. The sooner you establish whether your memory loss is an independent ailment or a sign of a brain injury, the better you can start receiving the treatment to heal it.

*pro-tip
You must invest in a personal accident insurance policy to get protected from such eventualities. Personal accident insurance can be purchased regardless of age, profession, or health.

Memory loss causes:

We all deal with memory issues at some point in life, and a little reduction in other cognitive abilities often accompanies ageing. More research should be done on short-term memory loss because it should not be taken lightly.

Reversible memory loss may have a variety of causes, such as:

● A vitamin or thyroid shortage

● Disturbances of emotions, such as stress, anxiety, or sadness

● Alcoholism

● Sleep issues like sleep apnea

● Concussion, a minor head injury or damage

● Adverse effects of some drugs

● An infection or tumour that affects the brain

● Disordered functioning of the brain (FCD)

● Smoking

● Chronic stress disorder after trauma (PTSD)

Tips for recovering from short-term memory loss:

The unorthodox methods listed below will help you to improve your short-term memory loss mentally.

1. Put it on paper:
Generally used as a coping mechanism, writing down important information can do wonders. Putting something down on paper makes your brain focus harder, which enhances memory. Writing notes by hand is more productive for learning than typing on a laptop.

2. Rest:
The brain can't focus on doing tasks with precision if it is too exhausted. Thus, it won't be able to remember anything. Resting after a brain injury is crucial for this reason. Rest offers your brain the strength it needs to remember things. Studies have also revealed that your brain consolidates memories while you sleep. Therefore, be sure to obtain enough sleep each night and throughout the day.

3. Use vivid pictures:
We always do not require mnemonic techniques. These aren't particularly useful when remembering things like appointments. However, a connection can still be beneficial if you associate a fact with a real or vivid memory, according to a memory study.

4. Music:
Music therapy provides various cognitive advantages, but arguably the most significant advantage is how listening to music improves memory. In addition to aiding in the recovery of lost memories, music also aids in the retention of new information. So, try singing something significant that you want to remember to the melody of your favourite song. You'll be astonished by how much more you can memorise.

5. Exercise:
A regular, easy exercise is one of the best things you can do after a brain injury to restore short-term memory. Numerous studies have shown that aerobic exercise enhances memory and cognition by promoting the development of new brain cells.
Additionally, it improves cerebral blood flow, which promotes the oxygenation of the memory-related brain regions.

6. Separate your repeats:
Learning practically everything requires repetition. But just saying something a few times won't guarantee you'll remember it. Instead, you must increase the repetitions to rehearse the information you want to retain before you forget it.

Testing is usually the first step in the treatment of short-term memory loss following an accident. Therapy and medicine may be part of the overall course of treatment. Keep the patient away from pressure and stressful situations.

A dependent or damaged individual is intended to receive some relief from the personal accident insurance plans. From partial to total disability and medical costs involved in hospitalisation will be covered under this comprehensive plan.

Click HERE to purchase efficient personal accident insurance plans.

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

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

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

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

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

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

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

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

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

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

Click HERE to buy reliable home insurance India.

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

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

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

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

What is fire insurance?

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

Essential features of fire insurance.

● It is purchased for one year

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

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

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

Inclusions of fire insurance.

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

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

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

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

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

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

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

Types of policies.

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

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

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

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

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

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

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

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

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

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

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

Tips for increasing the fuel efficiency of car diesel engines:

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

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

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

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

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

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

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

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

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

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

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

Click HERE to buy robust car insurance online India policy.

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

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

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

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

What is minimalism?

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

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

Impact of minimalism on mental health:

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

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

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

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

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

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

Click HERE to buy online health insurance.

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

Whether it's a weekly Sunday ride with the crew, a quick trip when the weather's nice, or a much longer outing whenever you need to get away from it all and experience the freedom of two wheels, biking is always a good idea.

You can get all the grips, wallets, tool pouches, and other gift accessories to give your biker friend a safe, enjoyable, and memorable bike trip. These cool things can be good gifting options if you have a biker friend.

1. Bike backpack:
No ordinary bag should be used on a bike. Aerodynamics is an important factor when selecting the perfect backpack. Also, it should produce less drag. Many fantastic bike backpacks are available, which are slim, sporty, and classic designs with extra-space variants.
When choosing a bike backpack as a gift, think about how tall and heavy the person is. It would be best to consider whether the person getting the bag needs extra pockets for laptops, clothes, and other essentials. To keep the backpack securely fastened to the rider's body, adjustable shoulder straps and a hip belt are essential. Look out for waterproof backpacks to prevent the items from getting wet when it rains.

2. Bike toolbox:
A portable bike tool kit might make a fantastic present for your biker friend. Bike tool packs have everything a rider would need to fix something quickly on the side of the road. These practical kits, which can be folded or rolled up to easily fit into a backpack, are packed with screwdrivers, torque wrenches, and other tools.
Make sure you get any bike tools to ensure the gift will fit the friend's bike. A bike-specific kit can make sense to purchase if you are aware of the model of bike they ride. But if you want to be sure, you are usually better off buying one of the several universal-fit bike tool packages compatible with most bike models.

3. Communications system inside the helmet:
One of the most enjoyable and rewarding aspects of riding a bike can be going on group rides with friends and family but staying in touch is important when you're out. The ideal way to stay in touch when riding a bike is with a communications system built into the helmet. It improves safety, fun, and connection while riding. These communication devices use Bluetooth or Dynamic Mesh Communication (DMC) to set up a common communication channel between riders in a group or between riders and passengers.

4. Action cam:
These tiny but powerful cameras can be placed on a rider's helmet or bike's handlebar. They can assist riders in identifying their riding patterns and enhancing their technique. They are an excellent way to reflect on priceless memories of previous rides, including those with terrifying corners and stunning landscapes. These cams can offer useful information to help police identify negligent drivers after an accident.

5. Saddlebags:
Saddlebags might be a wonderful present for bike enthusiasts who enjoy long road trips. For serious off-road adventurers, you can fill these multipurpose backpacks with camping goods and clothing, footwear, riding equipment, road food, and other necessities.

These are a few top items you can gift your biker friend and make their ride comfortable and memorable. Just like you're planning to surprise your biker friend with a valuable gift, you also need to get them protected with reliable insurance. With a focus on bike protection and coverage, the best two wheeler insurance in India is the need. When their bike is damaged accidentally, it will pay for the repairs. It protects them financially from theft, natural disasters, vandalism, and accidents.

Click HERE to buy the best two wheeler insurance in India.

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

Insurance is undoubtedly a saviour in unfortunate times. It is a guarded mechanism that allows you to prepare for financial losses arising from accidents, damages, or death against which you are insured. Insurance penetration, a ratio of insurance premium payments to the country's GDP, rose to 4.2% in FY21, still lagging behind the global average of 7.2%.

The slow but steady rise of awareness regarding insurance products amid the pandemic is the reason behind such progress. Picking up on increasing demand, insurance companies have refined processes to make their services more reliable and accessible. One such move is the launch of an e-insurance account which makes it easier for policyholders to keep track of and renew online general insurance and other crucial policies.

Read on to learn about e-insurance accounts and how to set one up.

E-insurance account.

An e-insurance account, also known as e-IA, is a step towards the digitalisation of the insurance industry. It serves as a repository that stores all your insurance policies- including life, health, motor, insurance, etc. In 2013, the IRDAI introduced the digitised policy to allow insurance to go paperless and give policyholders access to their insurance portfolio in a few clicks.

Fundamental features of an e-IA.

Hereafter referred to as e-IA, an e-insurance account provides the following features:

● Every individual can only open one e-IA in their name.

● Once linked, each insurance policy under the e-IA is known as an e-insurance policy.

● Data safety is ensured with each account holder being provided unique login credentials and account numbers for their e-IA.

Benefits of an e-IA.

1. Digitally secure insurance:
Preserving records online eliminates the possibility of theft or misplacement of policies. Additionally, the documents stay secure perpetually, making them easy to access for the nominee in case of the policyholder's death to initiate a claim at the earliest.

2. Simplified payment platform:
Visiting various websites to renew policies with multiple insurers is a hassle. E-IA simplifies the process by making it possible to pay your online general insurance premiums to various insurance companies from the insurance repository's online portal.

3. One time KYC:
KYC compliance has been a lax part of the process until recently. With constant changes to the insurance purchasing process to reduce fraud claims and loopholes, KYC compliance has become compulsory for buying any insurance policy. Instead of submitting the details multiple times while purchasing a policy, by stating your e-IA number, your policy will automatically be linked to your account, eliminating the need for providing KYC details.

4. Zero charges set-up:
You can open e-insurance accounts with your preferred insurance repository authorised by the IRDAI. This includes the Central Insurance Repository Limited, NSDL Database Management Limited, CAMS Repository Services Limited, and Karvy Insurance Repository Limited. These accounts are set up free of cost to incentivise customers to shift to digitalised platforms.

5. Convenient management:
There is no greater benefit of e-IAs than the ease of compilation. It makes it easy to view all your policies- general and non-general together and, keep track of the policy period, renewal date, and process premium payments. This overview is an excellent way to minimise the chances of a lapse in online general insurance and life insurance policies.

Opening an e-IA account.

Now that you're aware of the benefits of an e-IA, here are four simple steps to open your account:

1. Pick your preferred insurance repository from the four eligible repositories mentioned above.

2. Download the e-IA opening form available on their website.

3. Carefully fill out the form and attach self-attested KYC documents along with personal, bank, and contact details. You may not require KYC documents if opening your account through an insurance company, in which case, the company sends the details collected before.

4. Submit the documents and filled form to the insurance repository.

E-insurance accounts are set to transform the perception of the insurance sector and its products. With introductions like online general insurance, automated premium payments, and one-stop repositories, we anticipate Indian insurance penetration to catch up with global figures soon!

Click HERE to buy online general insurance.

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

If you have recently operated on for surgery, you might be curious about how to recover quickly so you can return to your daily work routine. While you are in the hospital, your surgeon does his part, but once you are discharged, healing is your responsibility.

Also, remember a personal accident insurance policy offers comprehensive financial security to the insured against unforeseen events like accidental death, physical harm, partial or whole disability, and permanent and temporary disabilities brought on by accident.

Here are five tips to speed up your recovery so you can resume your life as soon as possible:

1. Prevent infection:
For your procedure to be successful, infection prevention is essential. One of the most specific and crucial rehabilitation activities is washing your hands before touching your wound or dressing your stitches.
Rare surgical site infections typically appear 30 days after surgery. Nevertheless, it is worthwhile to ask your doctor what you can do to keep your skin capable of preventing infection.

2. Give your body the necessary energy to heal:
Even if you don't feel like eating after surgery, giving your body the energy it needs to heal is vital. Selecting proteins such as chicken, eggs, and others is essential for healing. Fruits are a good source of vitamin C, which has also been proven to speed up recovery. Foods containing iron and B12, such as fish and eggs, aid in the body's production of the necessary new blood cells. Consume fibre and probiotics for the immune system to combat illness and restore your original health condition.

3. Verify your incision:
Even though it may not be your favourite activity, you must closely examine your incision multiple times a day. Is the wound red or pink? Are there any visible staples or stitches? These inquiries are crucial, and looking at your incision will allow you to ascertain whether or not your surgical site is still healing or has developed an infection.

4. Rise and shine:
When you can, get up and start moving. Moving encourages the flow of blood, which aids in the healing process. You can also prevent harmful blood clots by walking or getting the wounded body part moving. The likelihood of acquiring pneumonia is lowered by light activity. Once the doctor provides the go-ahead, begin the stretching and muscle-building therapy.

5. Observe the recommendations of your healthcare provider:
You will only make much progress if you hear this message. A postoperative patient should adhere to all the recommendations specified by their healthcare professionals.
Some guidelines may limit your freedom of movement, such as the recommendation to wait a few weeks following surgery before taking a bath, swimming, or lifting anything over 10 pounds.

6. Drinking and eating right:
After surgery, many people experience appetite loss. They might not feel hungry at all or feel queasy or constipated. Good nutrition and hydration can aid healing, reduce common risks, and help you recover fast.

7. Recognise when to visit the ER:
Call your doctor immediately if you're bleeding, having difficulties breathing, swallowing or drinking, urinating, or showing clear indications of infection. Your primary care physician or the emergency department should be your next port of call if you cannot reach your surgeon.

8. Inhale and exhale carefully:
Who knew that after some procedures, the way you've always coughed and sneezed wasn't the "correct way"? If you sneeze or cough improperly while wearing an abdominal incision, it can seriously damage your incision.
A new surgical incision can open up with a powerful sneeze. So, the incision must be braced while you sneeze or cough. You can accomplish this by covering the area with a cushion or using your hands.

Your post-surgery recovery depends on you adhering to the post-op instructions given by your doctor and showing up for your scheduled follow-up appointments. Additionally, taking care of your wound, eating healthfully to rebuild your strength, and managing your pain is crucial. Implement these top recommendations and invest in personal accident insurance online to help you completely focus on your recovery and not on medical expenses. Your accident policy will take care of all the finances and be a strong moral booster in the time of emergency.

Click HERE to buy personal accident insurance online.

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

Over time, the world has come together to become a global village. Travelling to foreign countries, experiencing their culture, and taking advantage of the best offerings of other nations is more accessible now than it has ever been before, making education and working abroad favourable and highly sought-after opportunities. Many Indian students leave the country to study at international universities and improve their career prospects.

However, changing one's environment and relocating to a new place is a challenging task that requires extensive planning and budgeting. You should also consider purchasing general insurance plans covering yourself against any mishaps that may occur abroad.

With proper research and following the below-stated tips, you can easily plan for relocation to a foreign university!

1. Prep your documents:
Studying abroad requires significant planning, starting with where you wish to learn - the country, the university, and the course. Based on this choice, you will need a valid passport, visa, I-20, Government-issued identity proof, authenticated mark sheets, and more. Initiate the time-intensive process well before your expected departure date from your home country.

2. Make your bookings in advance:
Flight tickets are invariably expensive unless the airlines offer tremendous seasonal discounts. Once your application to your preferred institute and visa is accepted, it is ideal for researching and booking your travel tickets to avail flexible and inexpensive rates about three months in advance. Ensure that you choose an arrival date a few days before the expected start date of your course to allow yourself time to acclimatise to your new surroundings. Similarly, book on or off-campus accommodation in advance to save on inflated prices.

3. Build a network of local students:
Before embarking on your educational journey abroad, look for fellow country students who have been admitted into nearby institutes or courses in the same institute as you. Your institute's office of international affairs can also help you understand the general experience of living in the country and what to expect so that you can plan better. It also helps establish a friendly community you can rely on when you feel homesick.

4. Research on the country's culture:
Arriving in the country without any prior research about its customs, culture, and community puts you on the spot without knowing what to expect and how to deal with situations. While making connections with fellow students can help, do your primary research on the country, its traditions, beliefs, language, cuisine, and attractions to prepare yourself for your upcoming journey.

5. Purchase relevant insurance covers:
While this may seem unrelated while preparing for your studies abroad, it is necessary to remember that most foreign countries have considerably high living costs—adding medical and other expenses that you may incur due to the lack of proper financial planning results in excessive expenditure. Therefore, purchasing travel, health, and relevant general insurance plans is ideal for protecting yourself in unfamiliar situations.

6. Pack appropriately:
Being away from home for extended periods requires adequate packing. However, excessive baggage only adds to your troubles. A quick online search will inform you about the weather to expect, according to which you can pack weather-appropriate garments and essentials. While it may be tempting to overpack, plan objectively to pack the necessities and rely on the local markets for other requirements.

7. Prepare to adapt:
New surroundings always present challenges that you must overcome with time and experience. Since you are stepping into a new place, begin making the preparatory changes required to adjust. Mentally making currency exchange conversions, setting up an international mobile plan, and acquainting yourself with emergency numbers are basic tasks you should fulfil in advance to take on immersive experiences in foreign settings confidently.

New changes bring along thrilling opportunities. Once selected for an overseas university, focus on preparing the essentials like visa application, passport, general insurance plans, etc. Instead of second-guessing your decisions, prepare yourself to discover unique learning experiences overseas.

Click HERE to buy the best general insurance plans before you go abroad for your higher studies.

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

In 2023, one must gather basic information before getting a two wheeler insurance plan. Various two wheeler insurance options are now available from numerous insurance firms. But they aren't all the same, so you should compare them carefully before spending your hard-earned money on insurance. Selecting the best two wheeler insurance plan offers financial protection from potential losses.

Which two-wheeler insurance policies are offered in India?

For owners of two-wheelers, insurance companies provide third-party and comprehensive insurance coverage. You should carefully consider the distinction between them. It will help buyers choose the right plan that best meets their needs.

In 2023, there are five things to think about when purchasing a two-wheeler insurance policy.

1. The necessity for coverage:
Before buying a two-wheeler insurance policy, it is crucial to understand the coverage requirements. With the right coverage, people who own two-wheelers can get the best protection against third-party liability and other losses.

2. Knowing the Insurance Declared Value (IDV):
You should be aware of the market value of a vehicle at the time of the insurance declaration (IDV). Customers should evaluate the same and not overestimate or underestimate it because it will affect an insurance plan's premium.

3. Examining add-ons to the insurance policy:
Additional features that serve to improve protection are referred to as "add-ons." One should consider these things to get the most out of a two-wheeler insurance policy.

4. Selecting an established insurer:
Choose a reputable insurer to buy the two-wheeler insurance policy, the best customer and service experience. It is because not all insurers are the same, and reputable insurance companies have higher claim settlement ratios.

5. Renewables:
When purchasing two-wheeler insurance coverage from an insurer, you should consider renewability. It's undoubtedly helpful to have a simple and efficient renewal procedure. The best way to get a two-wheeler insurance policy is online.

The following procedures should be followed by anyone looking to purchase a two-wheeler insurance plan online.

1. Talking to other people:
When purchasing a 2 wheeler insurance policy, you should speak with peers. It will help determine if you need a third-party or full-coverage insurance plan and decide whether a plan would work for you.

2. Looking at online reviews:
Customers should study online reviews before purchasing a 2 wheeler insurance policy. You should examine the reviews of many plans before choosing the one that best fits your needs and budget, rather than just looking for the cheapest 2 wheeler insurance option with no accurate benefits.

3. Analysing the terms and conditions:
Two-wheeler owners should carefully read legal documents to avoid disputes and other problems after buying the policies.

4. Having a conversation with a company representative:
Owners of two-wheelers should speak with a company representative to get more information before choosing the least expensive 2 wheeler insurance in India. Concentrating more on one's goals allows one to understand the best plans that give protection against potential threats.

5. Buying online insurance:
Buying 2 wheeler insurance online is more structured and easy to operate. It allows you cheaper premium options and makes online payments instant and convenient. The entire online process is fast and hassle-free for the users.

A 2 wheeler insurance plan purchase entails several steps to get the right advice. Many insurance providers offer free quotations when customers wish to buy a 2 wheeler insurance plan. A plan with an expected cost is helpful when choosing one.

With the help of experienced staff and individual research, customers can easily buy 2 wheeler insurance online and get better protection against risk. Customisations are also an added advantage that allows insurers to bring down the cost of the policy they wish to buy.

Click HERE to buy the best 2 wheeler insurance for your bike.

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

The volatility of employment and predicting an incoming global economic recession are challenging. These make the consumers to save for tomorrow rather than spend on luxuries and comforts today. While motorcycles are cheaper than cars, they are by no means easy to afford with rising inflation, fuel costs, and other allied servicing costs.

This often leaves a majority of potential buyers to consider a second-hand motorcycle. While many have concerns about buying used motorcycles, by doing due diligence, inspecting the vehicle's mechanical condition, and purchasing two-wheeler insurance India, you can get your hands on a beneficial asset that can provide you with value for years to come!

Here is a checklist of bike parts and inspections to run through before purchasing a used motorcycle.

1. Engine:
The engine is the heart of any vehicle. To check the engine's condition, request the seller not to run the bike. A cold start is the best way to gauge the engine's usage and wear and tear. Look out for smoke from the exhaust pipe or any sputtering noises. Oil leaks are another sign to keep a watch for.

2. Drive chain and sprocket:
While these components may seem highly technical, they are readily identifiable parts in all two-wheelers. Simply put, it refers to the bike chain and the chain wheel, which facilitate gear engagement, acceleration, and power transmission.
Ideally, the chain should only have a slack of three-fourths of an inch to function appropriately and should not shift off the wheel when prodded. If the wheel displays signs of corrosion or wear and tear, it indicates a poorly-maintained bike. Ensure you list your dissatisfactions and factor them in when negotiating a fair price with the seller.

3. Tyres:
Well-maintained tyres are essential for a safe riding experience. Put the motorcycle on its centre stand and check its tread depths. Ensure that they are not too deep, which results in poor gripping and an excess risk of accidents. Cracks along the inner side or rubber toughening are signs of weathered tyres.
Also, check the wheel alignment by spinning the rear wheel. Any wobbling or creaking are indicators of weathered wheel bearings which require replacement. Ensure you check the tyres thoroughly to estimate the cost of repairs and acquisition of the used motorcycle.

4. Visible frame:
The motorcycle's frame can be challenging to inspect depending on the effort spent to spot the issues. Scratches and dents may be the signs of accidents that inevitably affect the overall functionality of the bike's components.
In case you purchase such bikes, even after buying two wheeler insurance India, you may not be able to claim the insurance amount due to the vehicle's poor condition before the accident.

5. Under-seat storage:
An often overlooked part, the under-seat storage locking mechanism, must be checked when purchasing the vehicle. Feel around the space underneath the seat to ensure that it is steady to fit your belongings.

6. Odometer:
Contrary to popular belief, it is easy to replace an odometer. Sellers of old vehicles can tamper with the odometer and try to sell off an old bike as a relatively new one. After inspecting the motorcycle as per the above checklist, check the odometer reading. Ensure that it is aligned with the condition of the vehicle.

While this is not a comprehensive list, it covers the essential things to check before purchasing a used motorcycle to protect yourself from misrepresentation and unfavourable deals. Additionally, since used bikes have a relatively unsafe perception, we recommend buying 2 wheeler insurance online to protect yourself from the risk of financial losses due to accidents.

Click HERE to buy a robust 2 wheeler insurance online for your motorcycle.

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

Technological advancements are visible in a country like India, where economic developments are happening rapidly. These changes are accelerating the growth in all sectors, including the automobile sector. The car industry is an essential growth driver of the Indian economy, and a lot is yet to be done in this field.

Additionally, the Indian economy is set to grow by 7.4% in the coming years. This will significantly impact the automotive industry as well. Car sales in the country have grown by 50% in the last few years, and it is set to record more in the coming years. Automobile ownership will take a giant leap and be a convenient option for most commuters.

However, with such growth, the risks also increase. This also leads many fraudsters to take different ways and means to hack and steal. As the existing state of motor security in India is inadequate, every motor insurance company in India is trying to protect people against such crimes.

All next-generation cars must follow more security regulations to address these challenges. Let's have a detailed look at them.

What is the current scenario of vehicle security in India?

Like everything else, the car security statistics of India are not satisfactory. Every year, more advanced means of theft are discovered. Car theft, hijacking, and robbery are common matters these days. The cars are also more prone to theft because there aren't enough safe parking spaces, which makes them easy targets for carjackers.

What is car hacking?

The automotive industry is under the radar of cyber criminals every day. As the technology is being developed, the risk increases. Vehicles are more connected and automated than ever. This allows cybercriminals to hack into the system and steal valuable data.

They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.
They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.

What can be done to prevent it?

After the car theft crime rate is increasing rapidly, the Indian government initiated various guidelines for the automobile industry. These security regulations need to be thoroughly followed by all future vehicles. These rules will keep drivers safe and expect to reduce the crime rate. These are

1. Security standards:
The government is trying hard to elevate the safety standards of vehicles. This means that all vehicles need to be equipped with GPS trackers in the future. Additionally, an anti-theft device should be placed too.

2. Using a High-Security Regulation plate:
HSRPs come with a non-removable snap-on lock which is irreplaceable. All the vehicle details, like chassis and engine numbers, can be collected and stored in a secure database using HSRP. These unique number plates will bring uniformity by eliminating the use of fancy plates. This can also aid authorities in easily tracking your vehicle's registration number.

3. Update all software:
It is crucial to regularly update all security patches of your vehicle's firmware and other IoT software to eliminate any possibility of hacking or breaches. Another advanced solution for connected vehicles includes public-key infrastructure (PKI) that ensures a superior level of security.

4. Awareness:
Regular awareness drives and car security campaigns are mapped out for all car owners so that they can be prevented from theft. This also includes educating them about tracking devices, hacking, etc.

5. Accessible public transportation:
The government is creating a massive public transportation infrastructure for the general public's convenience. Buses and metros are being developed every day, and more cities are being included in the list of metros. This will reduce the dependence on private vehicles.

The future of next-generation cars relies on technology. GPS trackers, Bluetooth connectivity, and anti-theft devices are the future of the automotive industry. They will be mandatory in the future. Every motor insurance company is considering them while planning out their insurance policies.

Click HERE to buy a policy from the best motor insurance company.

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

You're familiar with that feeling when you're on the verge of becoming ill. You feel worn out, like something is wrong, and you're colder than usual. And at that point, you start to wonder just what is happening. Is it the cold, the flu, or the RSV? Or might it just be allergies?

When you first start to get sick, it can be hard to tell the difference between these illnesses. Surprisingly, they have identical symptoms. Find out in the following article what might be causing your flu-like symptoms and when you should visit a doctor.

What are the symptoms of flu?

● Nausea, vomiting, and diarrhoea

● Muscle aches and pains

● Sore throat, running nose, or cough

● Swollen lymph nodes in the neck

● Fever

What other conditions are like the flu?

1. Cold:
Most people have experienced many episodes of the common cold. A wide variety of viruses brings it on. Symptoms of a cold include a running or stuffy nose, a sore throat, coughing, sneezing, headaches or body aches, and fever. Since there is no way to tell if you have a cold, most treatments are meant to ease the symptoms.

2. COVID:
The symptoms of COVID and the flu sometimes coincide. In its early stage, COVID symptoms are more like those of a cold than of the flu. Breathing difficulties and loss of taste or smell are two symptoms that are more prevalent with COVID.

3. Pneumonia:
Both viruses and bacteria can cause pneumonia. Cough, fever, shortness of breath, and exhaustion are the primary signs of pneumonia. It's also crucial to remember that pneumonia can develop from the flu, COVID, or a simple cold. This is only sometimes the case, though. Finding out if you have pneumonia requires a chest X-ray.

4. Bronchitis:
A lower respiratory infection or inflammation is referred to as "bronchitis." It is caused by a virus that affects the lungs, but the symptoms can last even after the infection is gone. It may be caused by persistent inflammation. Your symptoms and other medical issues typically determine your course of treatment. Steroids and inhalers are helpful for some people.

5. RSV, or respiratory syncytial virus (RSV):
RSV is a widespread virus that manifests as flu-like symptoms. In grownups, it frequently resembles and feels like the common cold. But it can hurt the lungs and cause breathing problems in young children, especially those under 6 months old. Infants with RSV have fast breathing and apparent behavioural abnormalities. They could have difficulties in eating or seem more worn out than usual. A hospital stay may be necessary for oxygen and constant monitoring during treatment.

When should you go to the doctor if you're experiencing flu-like symptoms?

● People with severe lung or heart diseases

● Very young children

● Older adults over 65

● Women who are pregnant or within two weeks of birth

● People with neurologic abnormalities, such as a history of seizures

If you experience any of the following, get medical care right away:

● Dizziness

● Pressure in the chest or stomach

● Extreme muscle tenderness

● Dehydration and inability to retain food

● Difficulty breathing or fast breathing

● No improvement in symptoms after 3 to 5 days

A healthcare professional can test you for many diseases you might have and ensure you get the right treatments. Mainly due to change in seasons, flu-like symptoms are frequent. It could be hard to tell the difference between the flu and other diseases like COVID, the common cold, or strep throat. If you have the flu but aren't sure, see your doctor for a check-up.

You can speak with your physician about receiving a flu shot if you fall into one of the high-risk categories. Your medical bills, pharmaceutical charges, hospitalisation costs, and other expenses are all covered by health insurance. Health insurance in India is now more than just a choice—it's necessary to get the best medical care without worrying about how it will affect your finances.

Click HERE to buy the best health insurance in India.

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

In a rapidly progressing world, it is paramount to stay fit and healthy. A balanced diet is extremely important to remain energetic, rejuvenated, and fresh throughout the day. It keeps your health in check. A nutritious and balanced diet, along with physical exercise, is enough to boost your physical health.

The presence of good physical health helps you in leading a stable life. It keeps you away from illnesses like diabetes, blood pressure, PCOD, PCOS, thyroid, heart disease, and mental problems like anxiety and depression. Hence, it is a known fact that a balanced diet is essential for your health and there is no replacement for that.

Regardless of everything, you must have health insurance to keep you covered against any medical emergency. You can search for online health insurance to explore different options and choose a policy that accurately fits your requirements.

Why is a balanced diet necessary?

Your body needs a balanced diet to function to its best capacity. Without a balanced diet, your body may become dysfunctional and invite problems like fatigue, infections, illnesses, etc.

A balanced diet is also necessary for children in their growing years. The foundation of a healthy life starts in childhood. And bad eating habits in childhood can be transferred to adulthood as well.

Most diseases are linked to a poor diet globally, and obesity is one such complex concern that can give rise to far more intense illnesses. A poor diet can lead to diabetes, heart disease, stroke, cancer, thyroid, and so on.

These are a few nutrients that can help you achieve a balanced diet:

● Minerals

● Vitamins

● Antioxidants

● Proteins

● Carbohydrates

● Healthy Fats

● Fibre

But which food items can help you replenish these nutrients?

For a balanced diet, you will need the following:

● Fruits

● Vegetables

● Legumes

● Nuts

● Grains

What are the foods to avoid?

Apart from the food items you should include, there are a few that you should discard. These are:

● Alcohol

● Trans Fat

● Processed food

● Too much red meat

● Refined sugar

● Canned food

● Overcooked food

● Refined grains

Let's understand in detail the dietary benefits of the food items that can maintain the balance in your health.

1. A bowl of happiness with fruits:
Fruits can be added to desserts or consumed as fresh juices. Although they contain sugars, it is not refined. They contain electrolytes and antioxidants, which are necessary for good health. One bowl of fruits daily corresponds to a bowl of happiness and health. However, health experts advise consuming fruits in their natural state rather than packaged drinks.

2. Veggies are must:
Green and leafy vegetables are rich in antioxidants, minerals, and vitamins. To add to your balanced diet, you should add all types of vegetables. You can use them in salads, side dishes, soups, curries, etc.

3. Don’t miss out on the proteins:
Proteins are an integral part of the diet. Protein can be both plant-based and animal-based. Animal protein consists of red meat, chicken, mutton, and fish. You should always opt for fresh, unprocessed meat.
Plant protein consists of nuts, beans, almonds, peas, lentils, walnuts, and so on. If you're a vegan, these are some fantastic alternatives to meat. Protein is necessary for building muscle mass and fueling your body with energy to work the entire day.

It is important to always focus on staying healthy. And the first step towards staying healthy requires a balanced diet. It will keep you energetic and fit at all times. Moreover, you should always have a backup if things go wrong because we know health relies on several other factors, including heredity, age, hormones, and more. It is better to make provisions in advance and invest in insuring your well-being with online health insurance.

Click HERE to buy online health insurance.

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

Health is an underappreciated asset we tend to overlook when pursuing our goals. What we fail to recognise is that restoring one’s health is not an easy or inexpensive process. Early risk assessment and purchasing the best health insurance in India are effective methods to minimise the risk and protect yourself from illness and medical costs.

Despite all the medical advancements modern science has made, it is inevitable to eliminate the risk of diseases such as diabetes. According to the WHO, 77 million adults in India have diabetes, while 25 million are pre-diabetics. Also known as a silent killer, the disease has multiple symptoms you can recognise early to prevent the problem from accelerating.

Read on to learn about the disease and some common symptoms in the early morning that may indicate your susceptibility to diabetes.

Let’s get to the roots first and understand what diabetes is.

Diabetes is a chronic illness due to the insufficient production or ineffective use of insulin produced by the pancreas. Insulin is a blood sugar-regulating hormone, which, when imbalanced, affects the utilisation of glucose by the body. The multiple types of diabetes include Type 1, Type 2, and gestational diabetes, which are caused due to varied reasons and show varying symptoms. Irrespective of the type, diabetes results in high blood sugar, further causing ill-functioning of the heart, kidneys, vision, and more.

The severity of the issue.

Type 1 and 2 diabetes are chronic, while prediabetes and gestational diabetes are reversible. If not managed at the earliest, any of these types may result in fatal issues like a heart attack or failure, stroke, kidney failure, and continuing problems like weakened immunity, weakness, and slow recovery from wounds.

Early morning symptoms of diabetes.

Be watchful of these early morning symptoms of diabetes, which also can be associated with several other diseases. Suppose you experience some of these common symptoms of diabetes early in the day. In that case, it is recommended to consult a doctor to prevent diabetes. Also, purchase the best health insurance in India or take an add-on diabetes cover.

1. Excessive thirst:
Considered a tell-tale sign, waking up with a dry mouth and throat may require an urgent diagnosis. If you wake up thirsty continuously, checking your blood sugar right after waking up may help confirm the problem. Irrespective of the results, ensure that you visit a doctor for consultation.

2. Waking up with a full bladder:
In combination with the above symptom, excessive urination is a giveaway sign of diabetes if noticed frequently throughout the night. This occurs due to the slowdown of the kidneys, which causes the unusually high glucose to be excreted into the urine with tissue fluids, which leads to dehydration, excess thirst, and frequent urination.

3. Disorientedness:
While waking up frazzled seems familiar, coupled with the other symptoms on the list may indicate a more significant problem. If you are nauseous and dizzy immediately after waking up, it is best to consult a doctor.

4. Blurred vision:
Diabetes is known to cause enlargement of the eye lens over adaptable levels, which causes hazy vision. This occurs due to a sudden change in your blood sugar levels, making it crucial to manage and stabilise your blood glucose levels at all times to prevent permanent damage.

5. Numb limbs:
If the extremities of your hands or legs feel numb immediately after waking up and need some warming up before they stop tingling, it may result from damaged nerves due to high blood glucose.

These were a few evident signs that can help you understand if you’re at risk of diabetes and counter it at an early stage. Maintaining one’s health is a priority since you cannot eliminate the risk of diseases like diabetes, making it prudent to purchase the best health insurance in India to cover the financial burden of medical bills and keep the financial stress away.

Click HERE to buy the best health insurance in India.

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

Buying a car is an exciting process that takes lots of planning, budgeting, and sacrifices to finally achieve your goal of owning a vehicle. Especially amid economic uncertainties, it becomes essential to maintain these high-value purchases to minimise the effect of depreciation.

While insuring your vehicle with the best car insurance India policy is one way, taking effective care is another to minimise wear and tear and keep your car in its best shape. This ensures its longevity and also yields a greater resale value for you.

Apart from regular maintenance, keep these lesser-talked-about tips in mind to increase your car's lifespan!

1. Inspect your engine light:
The engine is the heart of your car. The vehicle’s check engine light indicates potential problems that may require urgent inspection. Often, drivers do not heed the indication and allow the issue to persist for a while before they notice it and get it checked, by which the problem has already escalated.

2. Protect your car from the sun:
Just as harsh sun rays damage humans, cars that stay in direct sunlight are likely to suffer damage to the paint and interiors, resulting in increased maintenance costs in the long run. Ideally, park your car in a garage or shade. In case not possible, invest in a quality sun cover and interior shades that keep the cabin cool.

3. Organise your trips effectively:
This may come as a bummer for driving enthusiasts, but instead of multiple short trips for your daily errands, club your tasks together to reduce the wear of your engine.

4. Ensure you break-in properly:
After buying your new car, ensure you break in as per the manufacturer's guidelines in the manual. Generally, it is recommended to keep your speed under 80 kmph for the first 1600 km without excessive load.

5. Keep your car clean:
It may seem like a hassle to focus on keeping your car clean at all times, but we often underestimate the damage accumulated dirt, road tar, and rust can do to your vehicle's appearance. A quick cleanup once or twice a week with a car cover to protect it when parked can go a long way in maintaining your car after regular waxing and cleaning services.

6. Keep your keychain bunch light:
It may seem like an unrelated tip, but it is best to avoid linking other keys and accessories to your car key. A heavy bunch in the ignition will likely bounce around while the vehicle is in motion. The weight and movement together can wear out the ignition ridges and lead to ignition switch failure.

7. Choose a comprehensive insurance:
While buying car insurance India, make sure to check the features and ensure that the exclusions are minimal. It is ideal to purchase an add-on feature that covers any exclusions to provide complete coverage for any damages that may occur.

8. Prepare appropriately for long-term storage:
If you do not continuously use your car for more than a month, leaving it in the parking may not be the best option. Fill up fuel and consider adding a stabiliser after consulting an expert. Ensure to disconnect and remove the battery when discontinuing use for long periods to prevent draining.

Good maintenance is key to increasing the longevity of your car. By following appropriate driving guidelines and the manufacturer's instructions with regular servicing supplemented by purchasing comprehensive car insurance India, you can ensure that your vehicle stays in its best form for long periods!

Click HERE to buy a reliable car insurance India policy.

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

With the onset of the New Year, travel experts predict a significant increase in tourism despite the possibility of an incoming recession. As the covid-19 has restricted travel for a long time, travel enthusiasts view their hobby not just as a leisurely interest but as a priority. Before making your travel plans in 2023, renew or purchase general insurance that covers travel-related losses and makes your journey less worrisome and more enjoyable.

Check out these forecasted trends before planning your perfect vacation in 2023!

1. Growth of ecotourism:
Ecotourism focuses on observing natural habitats of flora and fauna and untamed wildlife with the intent to preserve and appreciate it. Also known as nature tourism or wildlife-watching tourism, the activity is expected to become popular with the constantly increasing interest of nature enthusiasts.
Several travel agencies now organise such tours and curate itineraries in well-preserved habitats with ample support from local experts and communities to educate tourists and display a side of nature beyond standard safaris.
Before going on such trips, consider the allied risks of the activity and ensure that you have appropriate insurance, like general insurance, that covers any potential accidents and costs you may incur.

2. Focus on sustainable travel:
Sustainability is no longer just a passing phase but an aspect of travel that is expected to stay for years. With Millenials and Gen Zs showing an interest in minimising their travel impact, the tourism industry is adapting to their preferences.
While itineraries in the past used to be all about extravagance and fancy travel without a care for its impact, the effect of travel on the local economy, environment, and community are factors that tourists now keep a check on. The sustainability movement is set to grow in the year and will directly impact travel.

3. Domestic destinations to win favour:
With soaring inflation and the incoming recession, prudent decisions are the need of the hour. Despite the rising costs and uncertainties about the future, travel enthusiasts are not settling for another year of staying cooped up at home.
Instead of cancelling or postponing plans, travellers are altering their plans to stay within their budget while deriving the greatest value. Local destinations are predicted to see a significant rise in footfall in 2023 with their relatively lower accommodation costs and other expenses.

4. Business travel and remote working:
Despite the relaxation of restrictions, many companies are choosing to allow remote working as an option for employees to reduce office expenses and provide flexibility of working from anywhere.
In the last two years, several employees have spent their time working from a remote destination while on vacation, allowing them to travel while working. The trend is expected to continue with a rise in business trips, retreats, and recreational events.

5. Unique experiences to take centre stage:
Almost 75% of responders to a survey focused on Indian travellers' preferences indicated their intention to savour out-of-the-box experiences. While domestic travel is set to be significantly high due to budget constraints, expenditures on experiential activities are not left far behind, with the desire to explore offbeat cultures and cities to gain unique experiences.

6. Focus on savings:
Travellers are focusing on mindful budgeting to prepare for their upcoming travel plans, and most of their travel fund is set to come from their savings. Budget-friendly destinations with affordable transport, accommodation, and plenty of attractions are vital factors that tourists are looking for while planning their trips.

With careful research and planning, it is easy to successfully plan your trips in 2023, despite the expected economic slowdown. By keeping track of budgets, loyalty programs, off-season activities, and purchasing general insurance, you can make the most of your trip while staying within your budget!

Click HERE to buy the best general insurance in India before your next travel trip.

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

In a high-population nation like India, pedestrian deaths from road accidents are alarming. Drivers should be fully aware of pedestrian behaviour and the dos and don’ts of driving to avoid accidents with pedestrians. This would make pedestrians feel safe and secure while walking on the roads.

Here are some practical tips for drivers to avoid pedestrian accidents.

1. Control your speed:
Proper control of your car’s speed is the key to ensuring that you don’t get involved in pedestrian accidents. You need to drive slowly where the density of pedestrians is high. Often in a crowd, people tend to move quickly on the roads without bothering much about the approaching vehicles.
Lower speed will give you ample time to react and apply brakes if someone suddenly turns up in front of you.

2. Patience:
Patience is the key for any driver while dealing with senior citizens and children on the roads. Senior citizens may walk slowly on the roads, while children may do the exact opposite and rush. Also, while senior citizens may not see any approaching vehicle clearly due to poor vision, children may completely ignore looking at the vehicles on the road and just run here and there.
The same applies to dealing with people with disabilities on roads. A blind person will not be able to see the traffic on the roads, while a disabled person may be trying to go from one place to another in a wheelchair slowly. The drivers must drive patiently around such people. They should let them pass through first to avoid any accidents with them.

3. Do not drink and drive:
The worst thing to practise is drink and drive as it hampers your senses and decision power. You will not be able to react in time which may cause a serious accident with the pedestrians. Drinking and driving also attract punishment under the law. Never let someone innocent be a victim of your carelessness.

4. Look carefully before overtaking:
A driver should always be extra cautious while overtaking a stationary car in the middle of the road or at crossroads. There is a high chance that a pedestrian might be crossing the road.
The pedestrian may suddenly appear in front of you while trying to overtake the car from the right at high speed. Hence, be cautious while overtaking, as you might hurt pedestrians or risk their lives.

5. Keep away all distractions while driving:
Nowadays, a common cause of road accidents is talking on a mobile phone while driving, texting, eating, adjusting the stereo, etc. Drivers lose focus on the road, resulting in an accident with pedestrians or other vehicles.
Never take your eyes off the road while driving, be it for any reason. If you are getting a call on your phone and it is urgent, stop your car on the side and then take the call. Do the same if you want to send a text, take a small eating break, or if you have to adjust your car’s music system. This will ensure that you drive attentively and are in total control of your car while driving.

Drivers should never drive rashly nor give pedestrians a sense of danger or fear while accessing the roads. Roads are public property, and every citizen has the right to use them without fearing an accident. Drivers should follow the above tips and ensure the safety of pedestrians on the roads.

Motor insurance does the same for drivers and vehicle owners. It gives a sense of safety and security from the probable perils on the roads and provides protection even when the vehicle is stationary and parked somewhere. Moreover, it is also mandatory under the law. Hence, go for the best motor insurance company and choose the right policy offering you maximum benefits with an attractive premium.

Click HERE to buy reliable motor insurance for your car.

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

Certain privileges become accessible only after attaining a specific age. In India, the legal age to drive motorised vehicles is 18 years. If you have recently become eligible to drive legally, congratulations! Driving is one of the first activities that excite youngsters.

However, you must be extremely careful with your first vehicle. Reckless driving puts your life, car, and third parties in danger, so you must always practise safe driving and purchase the best car insurance in India to safeguard your finances. Regular car servicing is crucial to prevent frequent breakdowns and costly repairs.

Here are some essential car maintenance tips that all teenagers must follow if they have already obtained a driving licence.

1. Keep the manual accessible:
Four-wheelers are complex vehicles with several parts that require specific maintenance. Unless you are an automobile professional, it is unlikely to know every part's specifications. Do not shy away from using the manufacturer's manual as a guide to understanding details about your car. You can also find solutions to common problems like changing flat tyres and tips to jumpstart your car.

2. Don't neglect the battery:
An often overlooked auto part, your car's battery can leave you stranded when neglected. Dragging engine sounds are an early sign of a drained battery. Ensure to pay attention to such signs and turn off the engine, radio, cabin lights, etc., when not in use to prevent battery drain.
While most batteries claim to have a life of up to 6 years, they usually wear out within three years, depending on use, making it necessary to keep a check and replace it when you notice early signs of voltage drops.

3. Replace your windshield wipers:
Visibility is crucial to driving safely. Before turning on the ignition, ensure that your side and rear mirrors and windshield are clean. This ensures proper visibility of the incoming and surrounding cars to make appropriate judgements on the road.
Wiper blades enable the windshield to stay obstruction-free. Since they are made of rubber, they may wear out and leave streaks on the glass, making it challenging to drive confidently. Therefore, ensure that you periodically inspect the state of your windshield wipers and replace them when worn.

4. Pay attention to engine oil:
It is essential to pay attention to the heart of your car- the engine. The engine's functioning depends on the seamless working of several parts facilitated by the lubrication provided by the engine oil. If you do not replace your engine oil periodically as per the manual, excessive friction and contaminated oil may damage the engine parts. Leave this task to professionals to identify any issues simultaneously.

5. Check your tyres:
Irrespective of terrain, maintenance of tyres is an essential aspect of car upkeep that you must consider. It is critical to do so to ensure proper gripping and weight balancing to prevent accidents. Ensure you periodically rotate your tyres and check the air pressure, tread depth, and wheel alignment.

6. Replace your pedals:
The ABCs in a car- Accelerator, Brake, and Clutch are primary necessities that must function properly to ensure a smooth driving experience. However, frequent use leads to the wearing out of the ceramic pads over the metal discs that engage the systems. Therefore, keep track of the pedals' sound and thickness when your car is inspected to identify signs that the pedals require replacement.

As beginners, it is challenging to keep track of every minute detail. However, with time and relying on expert guidance and the car manual, it is easy to maintain your car's prime state. Ensure you regularly service your vehicle and purchase the best car insurance in India to take your mind off the safety aspect and allow you to focus on driving safely!

Click HERE to buy best car insurance in India.

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

Nothing represents India better than big fat Indian weddings! Vibrant colours and never-ending streams of ceremonies are giveaway signs of a wedding-in-planning. However, while guests only see the wedding as well-planned, the staggering costs of planning a wedding in India have only grown over the years.

A wedding is a significant decision that impacts your finances. Irrespective of the size of the event, it involves extensive planning to design and execute that one special big day. Selecting a wedding destination is one of the first steps to facilitate the process. It is best to contact a general insurance company and take out a policy that covers potential financial losses against any substantial risks.

Choosing a perfect venue may seem like a challenging task. By avoiding these common mistakes, you can find the destination of your dreams without any hassle and future regrets!

1. Organise your requirements:
It is easy to get overwhelmed and do things out of order as they please you. However, without careful consideration, you are bound to make regretful choices. Before looking for destinations, make a physical list of some points to remember.
This includes the estimates of guests, the budget set aside for the venue, the kind of location you expect, and the sequence of activities and ceremonies. This will help you consider the site while keeping the facts in mind, making it easy to imagine whether or not the choice is right for you.

2. Pictures are only references:
Starting your hunt for the perfect venue a few weeks or months before the date is an absolute nightmare waiting to happen. However, if you choose purely based on images on the internet, the result is bound to be a disaster. Make sure you check the venue in person to ensure that it satisfies your criteria.
Booking in advance is a recommended step that allows you to avail of discounts and avoid settling for the substandard alternate after finding out that your ideal destination has already been booked.
If cancellations and uncertainties hold you from booking your venue in advance, consider discussing wedding insurance with your general insurance company that compensates in the event of cancellation.

3. Consider the distance:
While it is your wedding, you must consider the travel to the venue to ensure that it is convenient for your guests. Ease of accessibility and nearby or on-site accommodations are vital factors when choosing the wedding venue.

4. Check the venue rules:
Venues often have non-alterable rules. Carefully consider their policies before committing to the site, only to discover that the location does not allow any of your planned activities. If it is non-negotiable for you, ask for their adjustment. In case it is approved, ensure that you have it in writing as proof in the future.

5. Don't hold back your queries:
Asking too many questions may feel like a nuisance but clarifying everything is best rather than being confused. Do not shy away from asking all about the duration that the venue is let out for, accessibility, amenities, and other facilities. Make them aware of any special requests at the earliest to ensure that the organisers have enough time to accommodate your needs.

6. Consider the weather:
An outdoor wedding may be your dream, but it may not be feasible during the monsoon. Ensure that you consider the forecasted weather conditions' compatibility with your venue. Indoor weddings in elegant halls are highly preferred backup options that save the day.

Most importantly, avoid individually taking the responsibility of choosing the venue. It is ideal to delegate the task to a few close friends and family members who can help you find the perfect destination that satisfies you and is practical. You may even decide to hire professional wedding planners to make the occasion an exceptional one. It is also ideal to purchase a prudent cover from a general insurance company while planning your big day.

Click HERE to buy insurance from the best general insurance company.

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

Buying a car in India is seen as more than just a mode of convenient travel. It is seen as an investment and a status symbol too. In such pursuits, people spend way more on their vehicles than they should.

However, considering the income disparity, uncertainty of economic activity, and rising costs in the current scenario, purchasing such high-value assets without security is not feasible. This makes car insurance a necessity.

Despite the benefits of car insurance, there are several things a policyholder has to consider while going through the buying process. It is essential to remember the policy period and renew it before it lapses. Read on to learn all about a car insurance lapse.

What is a policy lapse?

Car insurance is an annual mandatory policy as per the Motor Vehicles Act 1988. The policy document needs to be renewed within the date mentioned, after which it becomes due and expires—failing to renew it before its expiry is called the lapse of a car insurance policy.

Need to prevent lapse.

A policyholder cannot claim damages incurred after the policy has lapsed since it is no longer valid. Such expenses have to be borne by the policyholder himself. Hence, to protect yourself from getting into such a situation, it is essential to renew your insurance before it lapses.

Effects of a lapse.

Apart from bearing the entire cost of damages by oneself, several other problems arise from allowing your car insurance to lapse, including:

1. Vehicles with lapsed insurance policies must undergo the inspection process, which is rather tedious and time-consuming.

2. After your policy lapses, the premium amount on your policy may be revised and will likely be greater than the amount you were previously paying.

3. Fines and penalties are often inescapable while renewing a lapsed motor insurance policy.

4. If you are found to be driving a car without valid insurance, you may have to shell out a fine of up to INR 2000 as per the present rules in case of your first offence. For repeat offenders, the penalty amount increases, and you may be imprisoned for up to 3 months.

5. Since your insurance is no longer valid, you lose out on the accumulated amount of the No Claim Bonus.

Renewing car insurance after lapse.

Depending on the duration after the lapse, you can proceed with the steps stated below:

1. Within the grace period: Insurance companies usually offer a grace period of up to 90 days post-lapse. If you renew your policy within this period, you may avoid paying additional fees altogether or only have to pay a nominal amount.

2. Post-grace period lapse: If the grace period window has passed, immediately contact your insurer. While some may still allow renewal, be prepared to purchase a new policy if your insurer rejects your request to renew the policy.

3. Post-permanent lapse: If it has been a long while since the expiry of the policy, including the grace period, purchasing a new car insurance policy is the only route remaining. It is inevitable to undergo a car inspection for this process. Ensure you keep track of the policy duration and expiry to prevent making the same error again.

Keeping track of minute details can be challenging amid hectic schedules. Therefore, insurers do their part by sending electronic notifications through texts or emails to alert you about the upcoming renewal of your car insurance. While it is an aid you can benefit from, it is ideal to set self-reminders or set up automatic payments with your bank to stay on top of all things related to car insurance.

Using effective self-reminding mechanisms makes avoiding the consequences of a car insurance lapse easy. Ensure that you compare policies and keep track of periods each time you renew your policy.

Click HERE to buy the best car insurance in India.

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

The joy of having a companion is truly unparalleled. While some are fortunate to have multiple family members, some adopt pets to count on as their extended family and sail through life's journey together. However, irrespective of the type of pet, it is a significant decision that requires tremendous planning, which comes with several responsibilities.

You must think carefully before getting a pet to ensure that you can provide an appropriate home environment which is safe and happy for it. Having a house insurance India provides personal belongings cover to keep your home safe from the shenanigans of your beloved pet.

Additionally, consider the following tips to pet-proof your home while making it a haven for your furry friend!

1. Inspect your flooring:
Carpets are a standard accessory in most households but and are an easy way to sweep things under the rug. However, for this very reason, they may be a terrible addition to homes with pets. They accumulate bacteria and pet hair, making the house dirty and a breeding ground for diseases. Hardwood floors or non-white tiles are alternatives that can keep your home looking clean and prevent the build-up of dander and fur.

2. Keep fragile items and antiques away:
Adopting a pet may seem like an activity with only fun involved until you see the sacrifices and additional effort required. Before you get your pet home, ensure that you stash away all your fragile and high-value items for the long term in high locations. This way, you can prevent the possibility of damages that are bound to happen as your restless pet explores its new surroundings.

3. Secure all electrical outlets:
Think of getting a pet as the same as welcoming a baby home. You must go through all the motions of baby-proofing the home to keep your bundle of joy- in this case, your pet, safe. Ensure all electrical gadgets are out of reach and all wirings are secured to prevent accidental shocks. Since pets are prone to chewing on all they can sink their teeth on, regularly inspect and secure any worn wiring.

4. Stock up on space separators:
Most effective when in their younger ages, blockades help keep your pet away from specific sections of your home where you cannot continuously supervise or where you wish to keep them away from. Ideally, section off areas where you have large machines like the washing machine or dangerous equipment like the kitchen or your bedroom if you wish to restrict pet access.

5. Get particular about cleanliness:
Pets are messy creatures. No training can eliminate their tendency to make a mess. Use lint rollers to get pet hair off furniture and periodically vacuum the floor to eradicate dirt and pet hair accumulation. Keep your indoor trash cans covered to prevent your pet from knocking them down and creating a more significant problem.

6. Make use of furniture covers:
Depending on your pet's activity levels and age, restricting its access to particular sections may be futile. Therefore, it may be better to use preventive accessories like furniture covers that protect your expensive sofas, lounge chairs, tables, and even bed covers when not in use.

7. Create an exclusive pet zone:
We often hoard items to maximise the space in our homes, leaving our pets with minimal space to stretch out. Ensure that you allocate a small area in your house for your pet to play without obstructions.

Before you welcome your pet, check the above parameters to provide it with a safe habitat. Buying house insurance India is a prudent move to cover financial losses that may occur to your shared home. Depending on its coverage, the policy may even cover pet damages to the house. We hope you have a wonderful time with your pet and enjoy seeing it grow.

Click HERE to buy the best house insurance India.

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

Due to the threat of a global pandemic and the surge of different health crises, everyone now should have health insurance. Health insurance coverage can significantly safeguard you and your family from medical expenses during an emergency. This occurrence can be erratic and unexpected, and to protect the family, you or your family can purchase health insurance individually. Or, it would help if you bought a family floater health insurance plan to offer comprehensive coverage to your loved ones.

What is a family health insurance floater plan?

A family floater plan is health insurance that allows your entire family to benefit from a single health plan. These plans cover every family member under one single umbrella policy. Also, they are cost-effective because only one premium payment is needed for all beneficiaries simultaneously.

What are the advantages of getting family floater health insurance?

One of the best things about buying family health insurance is that it covers people of different ages. Neither senior citizens nor even infants require you to have separate insurance coverage. Here are some of the more notable advantages.

1. The Convenience of policy selection:
A family health plan makes it simple to choose a policy that provides coverage for all beneficiaries at once. There is no need to manage the renewals of many policies for various family members or go through the process of shortlisting them all.

2. Adding new members:
Family health insurance policies generally provide maternity benefits. It is simple to add them and provide coverage for newborns and pregnant women. So, if you are planning to start a family soon, choosing a family floater health insurance plan with maternity benefits can be a good deal.

3. Reasonable premium:
Since single-family insurance covers the entire family, coordinating several policies and their renewal dates is optional. In addition, compared to standalone individual health policies, single coverage can be modified to meet beneficiary demands at an affordable cost. Using the online health insurance premium calculator, you can quickly calculate premiums.

What should you consider when buying a family floater health insurance policy?

There are other factors to consider when purchasing individual health insurance coverage. These rely on the individual needs of each family member. Here are some recommendations for choosing a family floater health insurance policy in India.

● Your policy's coverage:
There are various features that you can review before deciding on the final coverage. Coverage is the most important thing to consider when choosing one of these policies since it varies from one to the next.

● Your plan's adaptability:
You must choose supplemental coverage to cover specific age-related ailments. If you start a family, you might have to select maternity coverage. Keep this flexibility in mind when choosing a family floater health insurance.

● No-fuss experience with claims:
Choosing a plan with fewer documentation requirements and other benefits can help you receive a seamless claim experience even though the settlement process is largely the same across insurance companies. Consider a policy that has a high claim settlement record.

Now that you know the benefits and how to choose a family floater health insurance plan, use these helpful suggestions to have your family covered and enjoy the peace of mind you deserve. Addressing your entire family's medical needs may appear daunting, but with the proper knowledge and appropriate insurance coverage, you can get the best deal. Compare different policies online, and understand their clauses, premium, and benefits before making the final decision.

Click HERE to buy the best health insurance plan for your family.

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

Motor insurance is a mandatory purchase that helps you safeguard your vehicle and alleviates monetary stress in case severe damages are caused to your car during accidents, collisions, and other unfortunate situations. And if you are aware of motor insurance, you must know about the premium charges, insurance coverage, add-on benefits, claims, etc.

These factors influence your decision to make a final choice of motor insurance amongst the different policies from various insurance providers. And purchasing motor insurance is not just a one-time deal. It requires renewal from time to time to avoid losing on the benefits. You can opt for online motor insurance renewal for a hassle-free buying process.

Are there some important tips one must know about while renewing their motor insurance? This blog will answer all your queries.

1. Browse through other policies:
With the ease of accessibility of the internet, consumers are at an advantage. They can find detailed information about the services provided by various insurance providers, which makes it easier for them to compare and analyse which policies would optimally suit their needs.
The availability of a calculator helps customers to calculate the premium charges of various policies of the same category. It also allows you to compare the benefits of different policies and enables you to decide which insurance provider gives you the best benefits at the best rates.

2. Go through those add-ons:
Additional benefits are definite game changers in attracting customers. Always check the add-on benefits of the policies before you finalise a policy. Zero depreciation cover, engine protector coverage, etc., are some of the add-ons that are definite indicators of an efficient and affordable policy.
These are necessary, especially for luxury cars, which depreciate as the years pass by a massive margin compared to vehicles in other ranges. You can upgrade your current insurance plan by including these add-ons and secure your asset with complete protection.

3. What is your car currently worth:
Knowing your car's current value is essential for you to get compensated by your insurance provider in case your car gets stolen. Being aware of your IDV or Insurance Declared Value helps you achieve the current market value of your vehicle through your motor insurance policy.

4. What happens if you make no claims:
If the policyholder does not claim for an entire insurance period, the insurance providers/insurers provide a No Claim Bonus to them as a reward. This No Claim Bonus is awarded as either a discount of twenty percent after the fulfilment of one policy year or as a fifty percent discount on the completion of five claim-free policy years. Using the No Claim Bonus at the time of your motor insurance renewal can help reduce the price of your premium charges by up to fifty percent as the years' pass.

5. Read all the conditions carefully before upgrading your policy:
We have all heard the "terms and conditions apply" and the warning related to "read all policy-related documents carefully before accepting any upgrade offered by the insurance company. You must go through all the clauses and conditions before renewing your motor insurance policy to be aware of the benefits, the conditions, and the type of plan you choose.
This will help you analyse if you wish to switch your current insurance policy to a new one based on your needs using the "portability clause." You must ensure that all your benefits are intact even after porting your insurance policies to avoid any hassle in the future.

These are some tips for upgrading your motor insurance during renewal. And while we have already discussed the benefits of motor insurance, you can now purchase one at your convenience without suffering through the exhaustion of consulting various insurance providers or their agents. Just opt for the online motor insurance renewal, explore and renew your policy from the comfort of your home.

Click HERE to learn more about online motor insurance renewal.

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

Manufacturing date, location, vehicle model, claims history with add-ons, and optional deductibles are a few variables that could impact your bike insurance. However, some other aspects could also influence the cost of insurance.

An essential factor in calculating the insurance premium is the two-wheeler's cubic capacity (cc), also known as its engine capacity. Continue reading to learn how your bike's cubic capacity affects its insurance cost.

What is the cubic capacity of a bike?

The capacity of your bike's engine is measured by its cc i.e., cubic capacity. A bike's engine size is essential since it affects how much power it can produce. A two-wheeler is thought to be stronger if its chamber is larger. Similar to how a four-wheeler vehicle's engine capacity is expressed in litres, a bike's capacity is understood similarly.

Bikes with higher cubic capacity come equipped with large cylinders that can produce extensive power output from the engine. This results in low fuel efficiency as more consumption is observed to drive more engine power output per stroke.

Bikes with higher cubic capacities are expensive. This is because intense mechanical fitness and build are required for the bike to withstand tremendous torque and power. Higher cc bikes have premium quality brake pads, comfortable suspension, and excellent exhaust that can easily overcome the wear and tear that might result from high-speed riding.

What effect does your bike's cubic capacity have on policy premiums?

Your bike's engine power is critical in the premium fixing process. The engine's cubic capacity affects the cost of your motorcycle insurance. A 75 cc bike would be less expensive to insure than a 220 cc bike. Take proper care of your bike's engine to guarantee that it operates smoothly.

Higher cc bikes would cost more to insure because your insurance rate directly correlates to your engine's cubic capacity (cc). When determining the third-party insurance rate, the IRDAI primarily considers the cc of your bike.

A bike's cc majorly determines the on-road cost of the bike. Low-cc bikes are less expensive than high-cc ones. The insurance premium for expensive bikes is more, considering their superior build quality and use of costly parts.

Other elements that affect the insurance premium for bikes with the higher cubic capacity.

Here are the various factors that influence the premium of the higher cubic capacity bikes:

● Geographic location: Compared to Tier II cities or rural areas, the premium is more significant if you stay in a metropolitan metropolis. Compared to non-metro regions, urban areas have a higher risk factor.

● Year of production: The age of the vehicle directly affects the insured amount. The insurance sum will decrease as time goes on since the bike loses value.

● Make and model of the bike: Premiums for high-end/premium bikes are higher; premiums for entry-level bikes are lower.

● Add-ons: In return for a more premium for bikes with higher cubic capacity, add-ons safeguard you against situations that aren't covered by the basic program.

● Installation of security measures: Lowering the danger of theft and the likelihood of damage by installing anti-theft devices or other security measures reduces the insurance price. By installing security devices, you can get a reduction in insurance premiums for bikes with higher cubic capacity.

Every bike driven on the road must be covered by third-party insurance. Therefore, in addition to looking at the bike's qualities before buying one, you should also consider getting bike insurance. Shop around to buy motor insurance online that best suits your needs and expectations. You can reduce the cost of two-wheeler insurance while maintaining adequate coverage if you heed the above suggestions.

Click HERE to buy motor insurance online.

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

While electric vehicles are capturing the vehicle market, petrol and diesel-based cars still need to be put in trend. Maximum Indian citizens today own fuel-based vehicles, be it two-wheeler or a four-wheeler. But these fuel-based cars also have a history of superseding one another. Petrol cars have always been the favoured alternative amongst fuel-based vehicles.

Initially, diesel usage focused on heavy vehicles operated for commercial purposes like duty trucks, etc. But with the advancement of technology today, diesel vehicles have become widely popular and opted for daily use vehicles like passenger cars.

But do you know that your motor insurance premium changes for the type of car you use? Fuel may be the reason. Want to know how? Without any further delay, let’s get started.

1. How much is your car’s price:
Diesel-powered and petrol-powered cars are priced differently in the Indian market. Usually, the price of vehicles that have diesel-powered engines is high when compared to their petrol-powered counterparts. A higher price directly reflects on the motor insurance and premium prices.
Therefore, the more expensive a car you have, the higher the motor insurance premium you have to pay. So, figure out the maintenance and premium charges you will have to pay in the future and create a budget in advance so that you do not get surprises of additional premiums like motor insurance.

2. Repair influences the premium charges:
Yes! Even the cost of repair influences the motor insurance premium prices. The repair charges for diesel-based vehicles are much higher than those for petrol-based cars. Therefore, the company charges high premiums for your motor insurance to help cover the claims if you make any in the future. Similarly, if your car has expensive spare parts or is priced in the high-end range, the companies will charge you high motor insurance premiums.
This proves that fuel has a massive impact on premium charges. Having this information before you make any purchase will help you put things into perspective, especially budget-wise. Many factors should be considered when someone decides to purchase a car, one of which is the motor insurance, its premium charges, claims, add-ons, and other features which vary from one insurance provider to another.

3. Is your car fuel efficient:
Fuel efficiency is another influencing factor that determines higher motor insurance premiums. While petrol-powered cars have great starting and ignition power, diesel-based cars are beneficial for vehicles purchased to last longer.

4. Let’s have a look at the engine:
The engine capacity of your petrol-powered car is lesser than that of diesel-based cars, thus raising the motor insurance premium prices for diesel-powered vehicles. The better the engine capacity, the higher the premium. Who knew that fuel could be such a powerful influencing factor in the premium prices of motor insurance?

5. Cannot miss IDV (Insurance Declared Value):
If the market value estimation is high, the IDV will be increased, directly impacting the premium. Usually, the IDV of diesel-based cars is high, which leads to a rise in premium prices.

We hope this blog gives you a crisp and clear idea about your motor insurance premium charges. This will help you arrive at a decision or educate you about motor insurance and what factors impact the premiums which will come out of your pocket. And there is no doubt about how crucial it is to purchase motor insurance to protect your car and yourself against the financial burden.

Click HERE to learn more about motor insurance.

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

Insurance is an effective mechanism that protects the insured from the financial loss incurred due to damage to an asset. The prudent instrument protects high-value assets like vehicles, in the absence of which the victim has to shell out large sums of money to compensate for the damages to own property and third-party damages.

Despite the safety provided by online car insurance and its allied merits, sometimes the insurer does not approve a complete settlement, leading to being partially compensated. With proper knowledge regarding the procedure, related proofs, and some tips to remember while making claims, it is possible to receive a complete car insurance settlement.

Reasons for partial settlement:
Comprehensive car insurance is the easiest way to ensure that the insured is covered for maximum damages and receives the entire claim amount. If you haven't purchased comprehensive car insurance, you may encounter only a partial settlement for the following cases.

1. Depreciation:
Loss of value of a car due to wear and tear and usage is an inevitable factor that is considered while paying out claims. Damages to parts, including fibre and glass parts, tubes, tyres, etc., are only settled after considering their depreciated value according to the fixed depreciation rates and the age of the vehicle. A zero depreciation cover can help supersede this clause, but several conditions must be considered to avail of its benefit.

2. Partial car insurance coverage:
A partial cover protects the insured from the financial burden of third-party damages and has fewer inclusions while being less expensive than the latter. The policy restricts customisations and is ideal for infrequently used or old vehicles. The policy excludes NCB and its own damages, limiting its scope and increasing the financial burden on the insured.

3. Policyholder negligence:
Negligence while driving is a major cause of accidents. Suppose your insurer suspects that the driver was under the influence, negligent of general driving safety norms, or holding an invalid driver's licence at the time of the accident. In that case, your claim may be rejected or partially settled, depending on the severity of the issue and the claim amount.

4. Lack of proof:
It is essential to submit valid proof of the accident while filing a claim. With inadequate evidence, the insurer may not process the whole claim amount. Pictures of the accident site, eyewitness testimonies, and immediate filing of an FIR are some of the required proofs asked for by the insurer.

5. The car is used for business purposes:
If the insurer discovers that your personal car was used for business or commercial purposes at the time of the accident, you might not get a 100% claim or even a denial of the claim by the insurer.

Tips to speed up the claim settlement process:
While there is no fixed way to guarantee complete settlement, by following the below stated steps, you can ensure the fulfilment of your responsibilities to ensure that you receive the highest amount of claim possible.

1. Initiate the settlement process immediately:
Starting the process immediately after the accident is vital to ensure a quick settlement. It is ideal for raising the claim within seven days of the accident.

2. Keep all the relevant paperwork ready:
Each payment processed to rectify the effects of the accident, including maintenance of the car or replacement of parts, medical bills, the FIR copy, etc., should be maintained and provided to the insurer as proof.

3. Negotiate your demands:
Before reaching the final settlement, which you must ensure is in writing from the insurer, recheck if the amount is justified. Do not refrain from negotiating the sum with adequate reasoning. Consider seeking the help of a legal professional to make the process faster and ensure that your demands are satisfied.

When purchasing conventional or online car insurance, it is critical to read the fine print to ensure awareness regarding all the inclusions so that you can raise proper claims appropriately to settle at the earliest.

Click HERE to buy online car insurance.

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

Applying for a car insurance claim may be a stressful procedure, regardless of how well you may have painted the picture for yourself. However, not all insurance companies are trying to steal your hard-earned money. You can cope with any problems with car insurance claim settlement that may arise by just being informed of the specifics involved in the procedure.

Having a car insurance claim denied is common, though. There's a good chance that someone you know has experienced it. Additionally, it frequently occurs that the policyholder cannot understand why their car insurance claim was denied, which only heightens their frustration.

However, you need to know a few things concerning the rejection of a car insurance claim.

Reasons for denial of car insurance claims:
A typical car insurance coverage will often cover loss or damage brought on by theft, accidents, or other people. However, it would be absurd to assume that your car insurance company will pay for any losses or damages that result from the normal wear and tear the car experiences over time and with use.

What should you keep in mind to avoid your claim from getting denied?

1. Give accurate documentation, even when applying online:
Refrain from giving false or inaccurate documentation for insurance purposes, even if you are applying for a claim online. If you submit a claim and the insurer discovers that the supporting documents are incorrect, misleading, or even phony, your claim may be denied.

2. Read the policy document in its entirety:
Because they are more knowledgeable about the policy's terms and conditions, insurers can better find a point you ignored and use it to support their decision to deny your claim. To avoid this, policyholders are encouraged to carefully read their policy contracts to be informed of what will be covered and what won't. Feel free to seek assistance from someone knowledgeable in insurance jargon to clarify the policy and assist you if you are unsure of what it says.

3. Save every invoice and receipt:
It would be a good idea to have such accessories covered under an add-on cover if your car is equipped with anti-theft gadgets, an expensive radio system, or anything else that is not included in the car's standard equipment. The bills or receipts for purchasing those accessories must be presented, though, if you ever need to claim for the damage or loss of those items. The related invoices and receipts must be available. In every other case, the assertion is likely to be disproven.

4. Remain within the claim intimation time window:
Insurance companies typically stipulate that policyholders have 48 to 72 hours to notify the insurer of any incident or accident after it has happened. Always do so. However, this may only sometimes result in your claim being denied.

5. If a car is stolen, file an FIR right away:
You would be quite stressed if your car got stolen. To register a claim, particularly in the event of a theft, you must first file an FIR at your local police station. Take notice of this step. A claim's submission or approval could be complex without an FIR.

6. For co-passenger protection, take a separate cover:
Co-passenger insurance must be purchased separately for each passenger if you want to provide coverage for them while riding in your car. If you do not have adequate coverage for your fellow passengers, the insurance company may deny your claim for their injuries in the event of an accident.

You can conveniently buy online motor insurance policy, but getting a car insurance claim granted might be challenging. Nothing in this is set in stone, and you may always contact your insurance provider to figure out how to resolve a denied claim or learn the reasons for the denial of your claim. Invite those with knowledge of insurance issues to assist you.

Click HERE to buy online motor insurance.

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

Many people are passionate about cars and love to add them to their collections with multiple vehicles of different classes and brands. Are you someone who owns multiple cars? If yes, your primary concern would be maintaining the insurance documentation of individual vehicles

What's the solution? If you own more than one car, you can have a single insurance policy covering all your vehicles. Yes, you read it right. The IRDAI offers a provision of paying a single premium for your multiple cars under a multi-vehicle policy or motor floater policy.

Let's understand in depth about this motor floater policy.

Merits of a multi-vehicle policy:

● It can cover up to 05 personal cars registered under a single owner.

● Helps in reducing the hassle of paying and managing multiple premiums and remembering the renewal dates of different policies for different cars.

● Customisation flexibility is offered to the insured to add or remove the cars covered in the policy.

● When you insure more than one car with the same insurance policy, you can be sure that you will save money and get better deals. The likelihood of long-term benefits is assured.

● A hassle-free process will result in less paperwork, and both the insurance provider and car owners may find the process convenient. The management and renewal of the insurance will be simpler for car owners since there will eventually be a single due date for all cars.

● The premium will be calculated and charged based on the usage of the cars, which is a crucial advantage for the insured.

Limitations you must be aware of.
There are a few restrictions you should be aware of before choosing to purchase multi-car insurance.

● Policy premium burden:
With a single renewal date, payments would typically be in substantial sums. Compared to allocating funds for various programs in an equitable manner, this significant money may put a strain on your finances.

● High-risk driving:
If the owner-driver is considered under the high-risk category, the policy's total cost may go up. Thus, it is important to have disciplined driving behaviour and a good record to avoid paying hefty premiums.

● Failure to renew on time:
Failing to renew your car insurance before expiry could cause all the cars covered by the policy to expire. This will happen because there will be a single renewal date for all the cars. If you forget to renew the policy on time, all the cars could become uninsured. Furthermore, you risk losing the NCB on all the cars if you go past the 90-day grace period following the renewal date.

Even though there are a few significant restrictions, insurance companies are working on solutions that could eliminate them, such as simple payment choices and extended grace periods so that you can have best car insurance in India.

*Imp:
The multi-car or motor floater policy is in its initial stage of formulation in India. It has some clauses and is applicable for selective services. Make sure to check further details with your insurance company for a better understanding and get the best out of your car insurance plan.

Click HERE to buy the best car insurance in India.

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

Since Covid-19 hit the world, nothing has been the same. From individuals to industries, every aspect has undergone a massive transformation—changes that are leading to a disruption beyond the bounds of the economy and the global market. We saw extreme survival, lockdowns, economies tanking, corporates trying to run businesses with work-from-home options, and much more.

During lockdowns, businesses, start-up founders, analysts, and corporate professionals across the industries began to figure out the patterns of changing consumer behaviour and the solutions to address their demands.

We, too, believe that the insurance industry is experiencing profound change. The ecosystem is evolving rapidly, and insurers can no longer lean on old standard practices. With people being worried for themselves and their loved ones, investing in insurance meant investing in a healthy life. This has responded to the change in the insurance sector and marked the start of a revolution!

The following are the few emerging trends I believe will change the insurance industry landscape.

Insurance is not about products anymore.

It is almost weird to think about how the insurance sector is not "product-led" anymore. Safeguarding one's assets, health, life, homes, vehicles, and other aspects highlights the severity of having insurance. For example, you can consider health insurance a consumer product, but it is no longer about the "product" game.

The insurance sector is gaining recognition as a "service-oriented" industry. Constituting the perfect experience, right from being the potential customers' first choice to educating them about how their needs are going to be met, helping them throughout the process and beyond, addressing their grievances and providing solutions, and easing up the entire redemption process in the times of need is how you foster and strengthen your customer relationships. With so much focus on instant gratification, insurance companies need to curate an indispensable "service" – something that is hard to replace. We at Magma HDI endeavour to bring these practices into practicality.

Taking efforts to push digital transformation initiatives forward.

The Indian insurance market is encountering a massive technological shift. Digital-first business models are replacing traditional insurance practices. Gone are the days when insurance agencies relied on the older patterns of customer management, applying outdated systems and business thinking. The rise of state-of-the-art technologies has given new hope to age-old insurance practices, which we are the "modern legacy" powered by digital technologies. Digital-first insurers can offer relentless support, ensure transparency, and entrust their customers with realistic and practical solutions.

With these digital initiatives in place, the insurance sector can defy all stereotypes of being considered "conservative". This shift will push insurance companies to collaborate with different technologies developed by the IT sector and keep improving their services to ensure a seamless customer experience. Digitisation is the new cool. And the insurance sector is happily jumping on the bandwagon.

Personalisation is key.

Insurance companies need to admit that the habits and mindsets of consumers have changed with time. Personalisation is the new way of interaction that insurance companies need to adapt to volunteer the special interest of their customers. Tweaking your benefits and providing opportunities in a way that speaks "your" language, something unique to "you", is how we have been challenging the existing conventional work approach.

Data is the greatest resource in personalisation. This data includes the basic information, location, behavioural data of customers, etc. Making the right use of the collected data, the customers expect a personalised experience that can improve the relationship the company has built with them.

Delivering personalised services helps you strengthen your equations with your customers and prove that you, as an organisation, value their loyalty and contribution to the company's growth. It assures them that the company is standing strong with them. The other benefits of personalisation include an increase in sales, a boost in company’s reputation and the number of converts, customer retention, insights into consumer behaviour, and much more!

The transition of the insurance industry from traditional to digital, is making headlines and grabbing everyone's attention. The innovative-first approach and efficient technological solutions are leading the way to more promising insurance transactions and trusted customer relations. Your products might be one in a million but curating a perfect customer experience takes you to the top.

The industry is at a pivotal moment in developing forward-thinking insurance services, as the market is grappling with change at an exceptional speed. These are exciting times to take a step ahead and build deeper relationships with customers throughout the customer journey.

Bone injuries are severe and painful. They make your life miserable, and everyday chores become a huge task. The post-fracture recovery takes a long time to heal the bone. It requires the patient to undergo complex procedures to ensure that the bone heals appropriately and that normal body functions are not obstructed. Although your body has exceptional capabilities to heal itself, you must still take extra care while doing daily tasks.

We all have fallen at least a couple of times in our lives. We bruise, get cut, bleed, sprain, pull a muscle, or break a bone. There is always a risk of a hairline fracture. You must be aware of the term and how risky it can be. If you are somebody who is a stranger to the concept of a hairline fracture, do not fret. This blog discusses what it is, the signs of hairline fractures, and tips for healing them effectively. Let’s begin!

1. What is a hairline fracture:
Hairline fractures are also known as stress fractures. These fractures occur when small cracks appear and grow on the bones of your foot, lower leg, and hands. Hairline fractures are often observed in the bodies of people with a lot of footwork, like jumping, running, hardcore workouts, and other athletic activities in their routine. Moreover, in other cases, hairline fractures result from accidents and collisions against hard surfaces, during which the bones in your body bear an impact and get fractured.

2. Causes of hairline fractures:
As discussed above, excessive and heavy footwork involves activities that put a lot of continuous strain on your foot and ankles. Bones are very rigid parts of our body and can bend only to an extent to maintain the smooth functioning of the ball and socket joints. Persistent pressure on the bones also affects their elasticity and can develop minor stress or hairline fractures.

3. People at risk:
Apart from those who play challenging and heavy-impact sports and the ones who work out a lot might be affected by these hairline fractures with no warning. Genetic and biological factors like gender can influence a high risk of hairline fractures. These fractures are usually common among females.
Physical abnormalities (arched foot, etc.) or using the wrong footwear could also put your bones under stress, even while doing menial chores. Osteoporosis, or weak bones, a history of fractures, and dietary insufficiency (lack of nutrient-rich food items that help strengthen the bones) are other factors that can cause hairline fractures.

4. Signs and tips to heal:
Shooting or sharp pain, inhibition of movement, swelling, inflammation, tenderness, and bruised patches indicate hairline fractures in your bones. You can consult a doctor and get an MRI or X-ray done to confirm their diagnosis in case you have a hairline fracture.

The first and foremost tip for healing the fracture is to rest completely and avoid doing any heavy tasks. Secondly, in the first one or two days, you need to ice the area using ice packs frequently. This will help in reducing the swelling. With the decrease in swelling and lower pain, you can slowly resume your daily routine with extreme caution. Consult a doctor who might recommend crutches, protective shoes (footwear), or a splint to help avoid putting the damaged part under stress and provide maximum support.

That’s all for the signs of hairline fractures and tips to heal them effectively. You must ensure to stay in good health as much as possible. Take the best precautions and remain vigilant. Another wise decision would be to purchase a personal accident insurance policy to avoid monetary stress during mishaps and protect yourself and your family. Explore your options and buy the best personal accident insurance policy that provides optimum protection.

Click HERE to learn more about the personal accident insurance policy.

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

When looking to purchase bike insurance coverage, there are a variety of options available. A comprehensive policy with zero depreciation add-on coverage is among the most used motor insurance policies.

This post will discuss the advantages of purchasing the zero depreciation add-on, how it improves coverage, and most importantly, whether the higher price is justified. To learn more, keep reading.

What is zero depreciation on bike insurance?

As a policyholder, you must be informed of the numerous crucial provisions of bike insurance. The depreciation component is one of them. Depreciation is nothing more than a loss in value that occurs over time. The bike and its components experience normal wear and tear over time. The result is depreciation.

When you file a bike insurance claim, the depreciation factor comes into play, and your claim amount is reduced. This is why you want to think about acquiring zero-depreciation two-wheeler insurance. You can purchase this add-on coverage along with the complete bike insurance plan. No matter how old or the bike has depreciated, the insurance company will pay out the entire claim amount when you have a zero depreciation cover.

The benefits of bike insurance with zero depreciation.

● More compensation: With a zero depreciation add-on, the cost of repairing your bike is covered without accounting for the bike's diminished worth. Consequently, you are reimbursed for the entire coverage.

● Saving money: You pay a higher cost with a zero depreciation add-on. But it's also true that your insurer will pay you more when you file a claim. Additionally, if you get insurance from an insurer that permits limitless zero depreciation, you can save money each time you file a claim for your motorcycle.

● Abundant coverage: Every bike owner can benefit from a zero depreciation add-on cover, valid for inexperienced and seasoned drivers. This acts as additional insurance to handle any financial problems arising from any catastrophe with your bike.

● Restrictions on out-of-pocket charges: With this add-on coverage, you can limit any additional costs that an insured person would otherwise be required to pay as depreciation charges. The depreciation value will not be considered when settling your claim, though, if you already have this add-on coverage.

● Reduces mental stress: The zero depreciation add-on cover provides a second layer of protection, which gives you more peace of mind by reducing your financial stress to a large extent.

When is a zero depreciation add-on cover required?

1. If you've only just started riding:
Compared to seasoned bike riders, new riders are more likely to make mistakes that result in collisions and bumps. Therefore, a zero depreciation cover would benefit you if you have just started riding two wheels.

2. If you purchased a new bike:
Since new bikes are so expensive, you should cover them as much as possible with protection. You may aid yourself at this point and preserve your bike in excellent shape for longer by getting a decent zero depreciation cover.

3. If you drive a pricey automobile:
If you possess an expensive bike, you should purchase the zero depreciation rider. A costly motorcycle requires a lot of money for repair and maintenance. Thus, you should be reimbursed for the total cost of each repair each time.

4. If your neighbourhood is dangerous:
Some neighbourhoods are crowded or prone to accidents. Acquiring zero depreciation insurance will benefit you if you live in such a location.

Reminders regarding the zero depreciation add-on cover.

Keeping the zero depreciation add-on cover in mind will help you recall the following:

● It is offered for new bikes up to two years old

● This addition does not waive the required deductibles

● Most insurance companies permit claims with no depreciation addition twice per year

A comprehensive bike insurance policy provides additional financial security if the bike sustains damage. Furthermore, a zero depreciation add-on to comprehensive insurance strengthens and adds more security when you file a claim. The most incredible thing about this addition is that by avoiding depreciation reductions, it can raise the amount of your claim. If the zero depreciation add-on is offered when you renew the bike insurance plan, you should consider opting in.

Click HERE to buy the best bike insurance plan in India.

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

Over the years, there has been a significant and gradual increase in the demand for luxury goods globally. In the automotive industry, superbikes are an excellent example of the shift from only necessities to splurging on comforts and luxuries. Once considered only for racing enthusiasts, high-capacity motorcycles with an engine capacity of over 150cc are now being used for recreational purposes and commuting.

However, the recent cases of rejected claims by motor insurance companies for accidents involving superbikes have raised concerns over the technicalities of insurance contracts and their effectiveness in shouldering financial losses.

Read on to find out about one such case, the aftermath, and some tips to ensure that your policy covers all such damages if your bike has a high engine capacity.

Case study:
This claim settlement case involved a bike with an engine capacity of over 340cc, which faced an accident, resulting in the rider's demise. The motor insurance company denied the claim since the bike insurance policy included a clause that stated that it should not cover personal accident claims involving bikes or scooters with over 150cc engines.
While the claim was initially denied, the motor insurance company later released the sum to the insured's family and clarified the issue. The insured was covered under an outdated policy that they had since updated to include personal accident cover.

This brings us to our question, is a high-engine capacity bike not covered under bike insurance?
While the case in question may make you believe that superbikes are not included under the provisions of bike insurance policies, it is not the case! The legal requirements of an insurance contract are constantly tweaked to provide maximum benefit to the insured while ensuring that the motor insurance company is aware of all the facts regarding its client to ensure that no insurance fraud occurs. While the old insurance clause excludes personal accident covers, potential policy buyers should read the fine print of their insurance documents to ensure that they are provided with the most recent version of the insurance policy that maximises inclusions.

General engine capacity and usage inclusions as per the old rule:
The old rule prevents the insured from lodging personal accident claims for motorcycles with an engine capacity greater than 150cc. Generally, 2-wheelers with an engine capacity of less than 150cc are used for commuting purposes only. They are, therefore, less risky and more profitable for the insurer since accidents are relatively fewer when compared to bikes with high engine capacity. High cc bikes are expensive, have lower mileage, higher premiums, and have less fuel efficiency.

Tips to ensure that all relevant damages are included in your policy.

As a prudent mechanism, insurance protects the insured in most cases as long as the circumstances are not stated as exclusions from the policy.

1. Read the fine print:It may seem tedious to go through the minute details of your insurance, but it is the safest way to ensure that your motor insurance company is providing you with the latest version of the policy with the most inclusions.

2. Consider purchasing an add-on: Despite close inspection, if specific clauses restrict the scope of potential claims, it is advisable to buy add-on facilities such as zero depreciation cover to keep your expensive possession safe.

3. Compare your alternatives: Before committing to an insurance provider, it is highly advised to compare the existing options and choose a plan with the most inclusions and justified premium with a high claim settlement rate.

4. Renew your policy on time: Delayed renewals and outdated coverage plans are significant issues that potential policy buyers must avoid.

Bikes with higher cubic capacity deliver a powerful performance, making it a worthwhile investment for motorcycle and speed enthusiasts to get their adrenaline rush. Since their cost and insurance premium is more significant than lower cc engine bikes, it is necessary to check the specifications your motor insurance company provides thoroughly. Read all the terms and conditions before making a final decision.

Click HERE to buy insurance from the best motor insurance company.

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

We have seen cars with various types of number plates. Usually, the number plates of vehicles include the vehicle's registration and the state in which it was registered. There are VIP number plates too, which have digits in a unique combination and cost much more than the regular number plates.

In this blog, let's decode the BH series number plates that have been quite talked about recently in India.

1. What are BH series number plates?
In layman's terms, a car with a BH series number plate will not have to get a new registration card upon moving to a new state. These BH or Bharat series number plates were brought into execution in 2021 by the central government of India. It allows the vehicle owners of non-cargo automobiles to shift from one state to another without worrying about getting a new registration for their cars, two-wheelers, etc.

2. How are these BH series number plates useful?
The BH or Bharat series number plates have proven helpful for people in the government sector who frequently have transferable jobs, for people in the defence sector, or the private sector who regularly have to change their location to cater to the demand of their work and the companies they are employed in. These number plates allow them to avoid the hassle of exhausting themselves by running to the RTOs (Regional Transport Office) and getting a new registration for their non-cargo four-wheelers and two-wheelers.

3. Some information about number plates is essential.
The regular registration of a non-cargo vehicle involves limiting it to one state. The initial two letters of the number plates denote the state the car was registered in. For example, GJ for Gujarat, BR for Bihar, TN for Tamil Nadu, DL for Delhi, MH for Maharashtra, etc. The two digits next to the letters depict the district of the state of registration.
However, for regular registration, when a vehicle is shifted from one state in India to another, it is permitted to use its old registration and number plate for up to twelve months. After this period of one year, the vehicle needs to get a new registration at the RTO of that particular location. This new registration includes a NOC certificate, additional charges, and taxes, which will be informed upon your visit and consultation. The vehicle owner will be fined according to the costs of the new state if they fail to complete this process in time.
However, the registration process for BH series number plates began on the 15th of September 2021, and is entirely digital. Therefore, all your application work has to be done online. This avoids the struggle of commuting to the assigned government office and getting in line for your work to be completed.
A BH or Bharat series number plate will look something like this:
XY BH $$$$ XX
XY is the registration year, BH is the Bharat series code, $$$$ is the registration number of the vehicle (ranges from 0000 to 9999), and XX are alphabets from AA to ZZ indicating the category of the car.

The introduction of BH or Bharat series number plates provides a huge relief against this tiring and lengthy process for the people who have to move their families and house setup from one state to another quite often.

We hope this blog gives you insights into something new that benefits you or clarifies the BH series number plates. And while we are on the subject of cars, you must already be aware of the necessity of getting car insurance to safeguard your car during unfortunate circumstances which might lead to hefty damages. To choose which car insurance to buy, one of the most critical factors is to look at the standard car insurance price in India and compare different plans and their coverages accordingly.

Click HERE to learn more about the average car insurance price in India and which insurance would be beneficial for you.

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

We all follow different sleeping patterns and habits. Some people like to sleep more, while some tend to avoid sleeping at all. Many fall asleep the moment their head hits the pillow, whereas others struggle to get any sleep throughout the night.

Inconsistent sleeping patterns can be hazardous to health. It disintegrates the whole sleep cycle and leads to various health problems. Sleeping too little or too much can be problematic in their ways. But how is oversleeping a bad habit? How can it affect your health negatively?

There are several reasons why oversleeping is bad for your health and can lead to severe problems. These problems can affect your health adversely. You must always have a health insurance policy handy to deal with unexpected medical expenses. Also, ensure that you take care of your health insurance policy renewal to enjoy the seamless benefits without interruptions.

Let's look at various things related to oversleeping.

How much sleep is adequate?

The amount of sleep you should get throughout the day varies for different people. If you're unwell or tired, you will require more sleep. If you are young, you're likely to fall asleep faster due to increased physical activity.

It is recommended to get over 7-9 hours of sleep at night. Any sleep above this can result in oversleeping. The various ill effects of oversleeping are mentioned below.

● Diabetes:
If you sleep more than the designated time at night, you are likely to be on the verge of developing diabetes. Oversleeping puts one at risk of a spike in sugar content in the body. Even not sleeping enough can lead to the same problems.

● Back pains:
Research has shown that oversleeping can be one of the causes of back pain due to disoriented sleep positions for long hours. It is recommended to perform certain exercises to help you deal with such back pain and, most importantly, avoid oversleeping.

● Obesity:
Oversleeping can cause weight gain drastically. If you sleep more than 9-10 hours, you'll likely develop obesity over five to six years. The reason is that your body goes into relaxation mode while sleeping. Lack of physical activity reduces the BMR, impacts digestion, and results in fat accumulation.

● Depression:
Not just physical ailments, but oversleeping can also lead to mental health issues. People who sleep more than usual are likely depressed. While oversleeping, one decreases their chance of recovering from depression.

● Headaches:
If you're prone to headaches and migraines, oversleeping can worsen it. Whenever one sleeps more during the weekends, it can disrupt their sleep cycle. Irregular sleep patterns can lead to persistent headaches. This is because it fidgets with the neurotransmitters like serotonin in the brain.

● Heart disease:
A lot of research has been conducted to validate that oversleeping can lead to increased heart disease. It puts you at risk of developing cardiovascular disease due to a sedentary lifestyle and lethargy. Oversleeping causes obesity which in turn puts pressure on the heart.

● Impaired fertility:
Women who oversleep can find it difficult to conceive. It is also the same for women who sleep less than the given time. It can affect their cycle badly and disrupt the hormone levels in the body.

● Death risk:
It is alarming to note that oversleeping can lead to an increased risk of death. It can also be directly linked to the risk of developing a stroke.

Everyone should sleep only 7-8 hours throughout the day. It is best to avoid napping during the day to sleep better at night. One should also maintain a good diet and exercise to keep themselves fit and energised. Prioritise your health, practise mindfulness, develop a sound sleep routine, and invest in health insurance to keep away your worries. You should also complete your health policy renewal on time to avoid problems later.

Click HERE to get your health insurance policy renewal done.

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

A car has the capacity for durable and comfortable rides, ensures safety, and is a significant investment. All this has given cars an upper hand over all the other vehicles.

Although buying a car can be easy if you have enough money, it is not always the only thing. With a car, there are a ton of other responsibilities. One is getting your vehicle covered and ensuring the car insurance renewal is done on time.

There are multiple options available for car insurance online and offline. This can leave you to require more clarifications. One such option lies in the comprehensive car insurance that covers almost every damage that might trouble your car. From man-made problems to natural disasters, you'll get compensation for all the damages. However, this insurance might cost you more money than usual. Is it worth to have comprehensive car insurance, or is it just exhaustive? Let's find out!

What is comprehensive car insurance?

Comprehensive car insurance is not mandatory insurance by law, but most people prefer to buy it. It is because it comes with many benefits that set it apart from the other options.

Comprehensive car insurance will cover own damage (OD) as well as third-party damages. It covers all damages due to natural calamities, accidents, theft, man-made issues, and even fire. Natural calamities like floods, cyclones, and earthquakes are covered. Acts like vandalism and riots are listed under man-made issues.

What are the benefits of comprehensive car insurance in India?

1. Complete coverage:
This insurance type is the only one that offers complete coverage to a car, including its total or partial loss due to own damage and third-party damages. It also compensates for the death or disability of the owner-driver, third party, or property damage.

2. Best returns on investment:
Comprehensive insurance eliminates the need to buy separate policies to cover own damage and third-party damages. All the benefits can be obtained from a single policy, including the personal accident cover. This helps in saving money and offers the best ROI.

3. Liberty to add optional covers:
You can purchase additional covers like zero-depreciation, no-claim bonus, tyre protection, engine protection, breakdown assistance cover, etc. This makes your base policy stronger.

4. Cashless benefits:
Yes! You may enjoy cashless benefits while claiming your comprehensive car insurance when you get your car repaired or serviced in a network garage. You don't have to pay even a single penny for the damages!

You may have understood what comprehensive car insurance is all about. But, did you imagine to whom this insurance type would benefit the most?

1. The city drivers:
Cities signify constant traffic jams, chaos on roads, and persistent risks of accidents due to overcrowded roads and indiscipline traffic situations. Metropolitan residents must buy this policy to provide all-round protection to their cars.

2. The adventurers:
If you love to plan road trips and explore places frequently, this insurance can do wonders for you during emergencies with its road assistance cover.

3. New owners:
If you have bought a new car, the first step should be buying comprehensive coverage to improve the longevity of your new asset.

4. Premium and luxury car owners:
If you own premium and expensive car, having this insurance in your investment portfolio can be fruitful.

5. Obsessed with your car:
Even a small dent or scratch on the car panics you. Then you must opt for comprehensive coverage to calm your nerves and stay stress-free regarding compensation for any damage to your car.

You should keep various pointers in mind while buying comprehensive car insurance in India. Owning an asset is a crucial responsibility and ensuring its safety is paramount. Comprehensive car insurance has seamless benefits that make it a reliable investment option and less exhaustive compared to its counterparts. Regardless of the policy you buy, get the car insurance renewal done on time to avoid your policy from lapsing.

Click HERE to get your car insurance renewal done on time.

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

Reverse driving and parallel parking are two things that most people are scared of. Parallel parking takes some practice and extreme caution. The same goes for driving in reverse. Expertise in these driving techniques helps in becoming a skilled driver.

If driving in reverse scares you, here's what you need to know. This blog answers all your questions and more information on driving in reverse gear to understand how you can gain confidence over your anxious mindset about these driving techniques. So, without any further delay, let's get started.

1. It is not a big deal:
Many expert drivers get confused and anxious while driving in reverse. Due to nervous feelings, they might even mess things up and land in collisions. Therefore, it is vital to make yourself comfortable and relaxed in your position to get an accurate view of the traffic and the path you need to reverse.
You can place your foot on the brake and for your confidence, turn around to ensure you get a clear view of the pathway. Ensure that you keep your seatbelt intact and ask the passengers to fasten their seatbelts properly.

2. It is time for the reverse gear:
After positioning your seat, fastening your seatbelt, and adjusting your mirrors to get a clear rear and front view, you need to shift your gear to the state in which it indicates R, i.e., reverse gear.
After performing this entire process, you can slowly put your foot on the accelerator pedal and put slight pressure, just enough for your car to move, avoiding the risk of any collisions. Slowly release the clutch after putting your foot on the pedal. Drive the vehicle in reverse at a carefully vigilant speed, and park your car right where you want it to be.

3. Mirrors at the right angle:
You must always ensure that you keep looking in the passenger side mirror to be aware of any other vehicles or objects in the surrounding area, especially when driving in reverse gear. This will avoid any risk of collisions or accidents with things that might come your way. Mirrors even help you get a better view and understanding of available space to park your car correctly.

Some other tips to take care of while you are driving in reverse include placing your right hand on the steering's upper portion to gain optimum grip, going reverse in a straight line, stopping the car at the desired position slowly to avoid any jerking, doing a complete 360-degree check before you begin to reverse in a particular location, etc. Make optimum use of a rear parking camera that will assist you in observing the obstacles and parking your car precisely.

We hope this blog will help you drive in reverse more comfortably than before and help you alleviate your stress. Always wear your seatbelt while driving to ensure safety. And while we are talking about safety, understand the importance of purchasing car insurance to safeguard your car from financial distress due to damages. Therefore, to stay on top of your insurance coverage and continue to enjoy the privileges, you need to make sure that you take care of your car insurance renewal.

Click HERE to learn more about car insurance renewal and the tips you need to know when you pay your premiums.

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

First-aid tips and techniques have been a part of our educational curriculum since junior school. We all have learned the first-hand treatments one must do when there is a manageable injury or burn on our or someone else’s body. However, with time and as the level of injuries and diseases evolved, our knowledge about first aid falls short in terms of adequacy in the healing process.

Moreover, burns can happen anytime, primarily if operating around heavy machinery, fire, or in the kitchen. And it requires a lot of time to heal with proper care, ointments and medications, and extra precautions.

But what are some of the best ways to take care of these burns? What items should you include in your first aid kit to help you or someone else? Are there different degrees of burns, and which type of burns can first aid easily?

In this space, we’ll clarify all your doubts regarding first aid for burns. Let’s get started.

1. Minor or major:
A burn usually indicates tissue damage when the skin comes in contact with high flames, boiling water, sunburn/radiation, chemicals with corrosive properties, etc. Before starting the burn treatment, it is advised that you determine the degree of the burn to alter your treatment accordingly and determine whether immediate medical attention is needed.
A major burn occurs when the diameter of the burnt area is more than three inches, resulting in brown, black, and white patches with a dry and leather-like texture of the skin. In case of a minor burn, blisters appear on the burnt area, usually less than three inches in diameter. You will experience pain and inflammation, which might cause redness and soreness on the burnt site.

2. What you should NOT do:
Before we tell you the first aid tips you should follow, you need to be aware of the contamination of the sensitive and burnt part of the skin. Avoid using home remedies like butter, ice, water, etc., and immediately do not take any medications or remedies without consultation.

3. Must know first aid tips:
Remove jewellery items like rings, bangles, etc., from the burnt area. Cooling off the burn is essential. You can gently use cold water on the burnt portion and wet compresses to help with the inflammation and lower the pain. If you see any blisters, do not remove or poke them, as they protect the area from infection. If you see a blister pop, gently clean it with a disinfectant solution and cover it with an antibiotic cream. To ensure that the affected area does not dry out, use skin-friendly and chemical-free moisturisers. Aloe vera is a good option in such cases. Use sterile gauze and tapes to bandage the burn, but ensure that you do not tighten the grip of the bandage. Keeping it loose will prevent excessive pressure and alleviate pain.
You can take any doctor-recommended painkillers if the pain gets unbearable and causes too much discomfort. Avoid heavy tasks involving the burnt area, and avoid using fluffy cotton as tiny threads of cotton might stick to the burn risking the chance of an infection.

We hope you found the blog helpful. You must take care of your body and be extra cautious about your health to lead an extraordinary life. But sometimes, your efforts might fall short in unfortunate circumstances. To alleviate the monetary stress of such times, you must purchase the best personal accident insurance India which will provide you and your family with a reliable layer of financial protection.

Click HERE to learn more about the benefits of buying the best personal accident insurance India.

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

Even if you've taken exceptional care of your skin throughout the years, it still ages. The youthful flush eventually disappears and the indications of ageing, such as brown spots, wrinkles, more frequent bruises, and dryness, start to be evident.

Your skin can convey your mood and show how healthy or unhealthy you are. As you age, taking care of your crucial outer self is important. For elders, here are some skincare suggestions.

Why does your skin alter as you age?
Skin changes brought on by ageing are typical and include a combination of the following:
● Allergies
● Weather
● Genetics
● Nutrition
● UV exposure
● Smoking is, among other things

The most harmful of these to the skin is continuous and direct exposure to the sun. According to research, among the people having skin illnesses, nearly 80% had one or more skin conditions requiring treatment or medical attention.

If you're an older adult, here are a few best skin care tips for you to enjoy a youthful and glowing skin.

1. Frequently moisturise your skin:
Emollients and fatty acids are combined in the best moisturisers to resemble the skin's natural lipids. Choosing an occlusive moisturiser can help you to build a barrier that will trap moisture in your skin and reduce water loss.
TIP: Always rub face moisturiser in upward strokes, never down. Apply a high-quality moisturiser to the skin after a bath to lock in moisture.

2. Wash gently:
With limited natural oil production, mature skin is extremely dry. Cleanse gently to prevent further drying out. It's okay to wash once per day. Use gentle cleaners as opposed to harsh soaps and alcohol-based products.
TIP: When washing, use warm water rather than hot and limit the number of baths or showers you take. If you enjoy unwinding in the tub, stay away from bath oils because they make the tub slippery and increase the chance of falling.

3. Eat right for gorgeous skin:
The saying "you are what you eat" has never been more accurate if you want skin that glows. Our skin's health is significantly influenced by our diet, which should be balanced and high in nutrients, vitamins, antioxidants, and necessary minerals. Include berries, melons, avocados, walnuts, oily seafood like salmon, and green vegetables. These items are a part of a healthy diet that can support maintaining healthy skin as you age.

4. Do maintain a simple, consistent routine:
Dermatologists advise simplifying skincare regimens. Irritation can result from excessive scrubbing, exfoliating, and product use.
TIP: As a general rule, use sunscreen, a cleanser, and a moisturiser, as these are the only three items that will make a consistent visible difference.

5. Avoid the sun:
This is the most crucial thing you can do for your skin! Dermatologists advise you to shield yourself from the sun's damaging rays.
● To protect your face and any other exposed skin, use a broad-spectrum, water-resistant sunscreen with an SPF of 30 or higher.
● When spending time outdoors, look for cover because the sun's rays are most intense between 10 a.m. and 3 p.m.

6. Drink water to rehydrate:
Never undervalue the importance of water or the benefits that staying hydrated may have on your skin and general well-being. Drinking water can give you radiant and clear skin.

Inner beauty begins with the skin. No matter how much money you spend on anti-aging therapies, poor health can manifest in your skin's appearance. Keep up a healthy lifestyle, and pursue your passions. After all, ageing is a natural process that includes wrinkles, fine lines, and age spots. Be proud to wear them!

Enjoy your retirement life with wholesome meals, daily and different exercise groups, and regular health and wellness events. Also, invest in the best health insurance in India for parents to secure your finances from uncapped medical expenses due to ageing.

Click HERE to buy the best health insurance in India for parents.

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

Your body is a temple, and you must take care of it to ensure your physical, mental, and emotional well-being. However, certain conditions can take longer to cure, and their development or progression varies from person to person. One such condition is psoriasis.

If you are new to this term, let us explain psoriasis. It is a disease of the skin, which manifests itself by creating a rash with itchy and scaly spots and patches, usually on the elbows, knees, scalp, and trunk of your body. This inflammation in the skin caused by psoriasis is an autoimmune condition, and there is no single method to treat it. As every instance of psoriasis differs from the next, the treatment prescribed by dermatologists also differs.

This blog will shed more light on these treatments and the few home remedies to treat psoriasis.

1. Aloe vera to the rescue:
Aloe vera is believed to be very beneficial for managing your psoriasis and calming the inflammation of your skin. And the best part? It is readily available and hassle-free if you want to grow aloe vera in your home premises organically. If you are using aloe-vera infused creams, it is medically recommended that you use the ones with 0.5% aloe vera and apply it three times a day to treat the discolouration, rash, itching, and scales on your skin.

2. Warm water to cleanse:
Who doesn't like warm water baths? The soothing water at the right temperature falls on your skin, relaxing your body. But there is a disclaimer! You must strictly avoid "hot" water. It might not be helpful with the inflammation of the skin due to your psoriasis condition. Warm water is advised. You can add mineral oil, Epsom salt, or olive oil to help with the rashes and itchiness.
But you must be careful about specific things to avoid triggering or worsening your symptoms. Some instructions include: showering once a day, a maximum of fifteen-minute bath, using a soft, moisturising soap bar, patting dry, and applying a skin-friendly moisturiser post-shower.

3. The household's favourite – turmeric:
Every Indian household's favourite ingredient for cooking or home remedies is turmeric. There have been many studies on the usage of turmeric and its benefits which have suggested fruitful results in using this age-old home remedy in Indian culture. Turmeric has anti-inflammatory abilities, which help rid psoriasis.

4. Omega-3 is essential:
Omega-3 is an essential component that helps to strengthen your body's immunity, prevents heart diseases, reduces the chances of stroke, acts as protection against cancer, and much more. The omega-3 fatty acids are believed to lower the inflammation levels of the skin in your body.

Other ways to help you manage your psoriasis include keeping your stress levels in check by meditating, journaling, aromatherapy, anxiety management (therapy), etc. It is also advised to monitor your body weight and control it if necessary. Living with psoriasis compromises your immune system, which makes you prone to other health issues. Therefore, maintaining a moderate body weight is essential.

It's high time that we all understand the significance of our health, especially after the pandemic. While you try your best to stay in optimal health, you must be ready for any health crisis that might come without warning. Therefore, you must get online health insurance to avoid such unforeseeable situations. Explore your options and purchase the best online health insurance that caters to your needs.

Click HERE to learn more about online health insurance.

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

While buying a car is hectic and time-consuming, learning how to drive a vehicle is a different ball game. We all know that Indian roads are chaotic, and sadly, the strict implementation of traffic rules is lacking. People are ignorant of the traffic rules. The high number of vehicles on the road makes it difficult for the traffic police to control the cars and catch the ones breaking the regulations, thus encouraging the environment of neglect. New learners find it challenging to navigate the roads under such conditions and risk a massive chance of landing in or creating an accident or collision with other vehicles, poles, and bumpers if they are not extremely vigilant.

Considering the above reasons, it is imperative for any potential learner or driver must pass a driving test with good scores or grades to show their understanding and make them eligible for driving on the road.

This driving test examines a candidate based on a written and practical test. Both these tests are focused on your knowledge of the traffic rules and road conditions, situational risks and solutions to avoid any accidents, and a practical display of your driving skills catering to the tasks given by your examiner. This driving test is extensive and essential, which is why many test takers get nervous before the test.

Are you someone who gets the pre-exam jitters that makes you anxious about the upcoming test and interview? Well, do not worry. This blog has the best tips to overcome your driving test nerves. Here are a few tips to get you started.

1. Confidence is key:
It would be best if you assured yourself that you are ready. You have studied well for the test and practised your driving skills enough times to be confident that you will pass your test with flying colours. You need to be satisfied that you will not be able to take this test until and unless your driving instructor thinks you are ready. So, if you are applying for this examination, you must avoid hyping up the test and magnifying its importance to make yourself anxious. This test will examine your skills in something you have done many times already.

2. Do not tell everyone:
Avoid telling everyone that you are about to take your driving test. Keeping it a secret will help you avoid the millions of tips and techniques people will say to you, and various negative reviews you might come across will make you more nervous and break your confidence. Losing confidence is not something you can risk. So, avoid revealing your test dates and take the pressure off.

3. Never skip your meals:
Skipping your food and having anxiety about your performance on the test is not a favourable combination. It might make you weak or cause a panic attack, which will eventually force your examiner to declare you unfit for the test, and you might have to reapply and go through the hassle again. Therefore, have a light meal, like some fruits, salad, or something which is fulfilling and energetic and does not make you drowsy.

Some other tips to overcome your driving test nerves include:

● Using the washroom before you go in for the test

● Washing your face lightly to wean off the pressure

● Chatting with your driving instructor to create a normal atmosphere

● Not consuming caffeine for a couple of days before the test

● Consider the actual test to be a mock examination

● Carry a jacket in case the exam hall gets cold

● Avoid too much revising on the day of the test

● Arrive at the test centre well in advance to give yourself some time to calm down and understand the procedure of the test

These are some of the best tips to overcome your driving test nerves. Follow them righteously, and you will pass the test with ease. And while we talk about driving tests, we should discuss the necessity of purchasing car insurance too. After getting your driving licence, car insurance is the next essential document you need to drive a car legally. Compare new car insurance rates and consider other factors before buying a policy.

Click HERE to learn more about comparing new car insurance rates.

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

Purchasing a home is a long, chaotic and hectic process. In addition to the budget, multiple other things come into consideration when you plan to buy a house. With several financial and real estate scams happening around, it becomes challenging to be decisive about purchasing a house. Several apps, real estate agencies, and brokers claim to help you find your dream space.

But how would you know if you are being scammed under the name of getting the best deal worked out “especially for you” or if you are getting the best price for your house? Do not worry. This blog lists the best hacks for home buyers to make them aware of what they need to know beforehand and purchase their dream home at the best price.

1. Talk to your bank:
There is a certain urge to move into your dream place. But before you get the ball rolling on your shifting, make sure that you communicate with your bank about getting a pre-approved loan. The bank must be ready to grant you the loan at a certain set rate. In addition, getting pre-approved from the bank also acts as a symbol of trust and confirmation for the agents and house sellers on your house deal.

2. Dig a little deep:
When you are looking into properties that are available for sale, be it a new construction or an old one, always investigate thoroughly. You should seek information on the reasons why the property is on sale.
And if the agent or the seller is in a hurry to sell the house, more often than you might predict, it could be a potential red flag which should lead you to dig a little deeper and see if you are willing to purchase that particular house or property. Only make your offer after you have all the details.

3. Be smart about your offers:
While low-balling on the prices is practised in our culture, it might get risky if the market on your property or potential dream home is competitive. You might lose the opportunity to negotiate further on your offer. So, gather some information on the comparable bids, do little calculations and come up with the best price in your first shot at the proposal.

4. Keep an eye out for the inspection:
You must be very vigilant about the inspection results when the home inspector comes and checks out the place. If your deal has been finalised and accepted and your home inspector finds any issue which can cause discomfort in the future, you need to get in touch with the seller as soon as possible.
Have a polite discussion with the agent or the seller to bear the repair charges or negotiate the price again to bring it down a little, keeping in mind the damages (this would be a wiser decision).

Some other tips include offering a quicker final decision/closing, negotiating respectfully, discussing the amenities in detail, and making yourself ready to compromise a little. These tips will prove handy to you when you go out looking for your future home.

We hope the blog was helpful and gave you the information you wanted. While we are on the subject of buying homes, it is essential that you also look into the home insurance option in advance to avoid the hassle of piling things up for the end. Purchasing the best home insurance policy in India will help you protect your home and your family from unfortunate circumstances and avoid monetary stress during such times of distress.

Click HERE to learn more about how you can buy the best home insurance policy in India.

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

When we say “water is life”, it is more a reality than a necessity. A day without running water in the pipelines of our house can be torturous, as we will not be able to take baths, use the washrooms or cook. This is where our home’s plumbing system plays a crucial role.

A plumbing system in any house is usually very complex. It is beneath the floors or hidden behind the walls. Hence, any fault associated with it cannot be repaired easily without damaging the walls or the floor. Therefore, it is vital to understand the plumbing network and how it works at home.

Main components:
The main components of the plumbing system are supply, drainage, and venting. These components help to separate the potable water from the wastewater. This ensures that we get fresh water for personal consumption while the wastewater is thrown away through the drainage system.

Modus operandi:
The water supply system in our home works with the help of water pressure. Good water pressure is essential for the free and uninterrupted flow of water in all taps and showers in our home. Pressure carries the water from the tank or source of supply to the kitchen, bathroom, or wherever we need it. The water supply system functions with the help of pipes, valves, faucets, and plumbing fittings.

The drainage system works by using gravitational force. The drainage pipes are downward sloping to direct the wastewater to the sewage line or the septic tank. This ensures that the wastewater does not flow back out of the drain and spoil your home.

Vents in the plumbing system are as important as the water supply and drainage systems. We can usually see these vents emerging from the roof of our house. They emit air into the drainage pipes, so the sewage gases do not mix in the drains. This air ensures that the traps in the drains do not open, and the entire plumbing system does not get contaminated and malfunction.

Hot water:
Getting hot water through your taps adds an extra step in the journey of the cold water. The cold water first flows to the electric geyser or natural gas water heater. If you plan to install the geyser in or near your bathroom, it involves laying off a few extra pipes through which cold water will reach the geyser, and hot water will flow back to the taps, faucets, or the kitchen.

However, if you plan to install a bigger water heater on your terrace, such as a solar-panel-enabled water heater, you must plan the plumbing system properly. It will involve a complex network of pipes that will take the cold water to the heating system and distribute it back into your home.

Supply shut-offs:
Nowadays, homes are equipped with individual supply shut-offs for freshwater in every bathroom, kitchen, or balconies and washing area. We need to simply shut off the respective valve where we are planning repair work. All individuals at home should also be aware of the main shut-off valve so that anyone can restrict the water supply to the entire house in case of any emergency or malfunction.

We only realise the importance of a good plumbing system at home when it malfunctions and needs repair. As we use this system hundreds of times daily, we must ensure it is top-quality.

Similarly, we need to ensure a good home insurance policy that takes care of our house and well-being by protecting it against damages arising from theft, fire, earthquakes, etc. We accept the importance of a home insurance policy only when the actual damage occurs. So why wait for such instances? Go for the best home insurance in India and keep your worries aside.

Click HERE to buy the best home insurance in India.

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

You have saved money for a long time to be able to finally buy your dream car and bring it home. It is a special feeling to give whatever it takes to turn your dream into a reality. However, you should know the various aspects of car buying in India. Before you consider buying a car, you need to understand the difference between the ex-showroom price and the on-road price.

If you don't know what these two terms mean, this article will help you. You will be familiarised with everything that can determine your car's price and help you consider all these parameters before you invest money in a car.

*pro-tip
You should always buy new car insurance for your car to keep it secure and take care of the expenses against any unforeseen accidents.

What is the Ex-showroom price?

The ex-showroom price is a price tag posted on various vehicles like cars or bikes in the showroom. It does not include road taxes, RTO registration, insurance, etc.

To understand the price at the ex-showroom, you need to know that:

● The ex-showroom price is the price you see being advertised on television, the internet, and on the car manufacturer’s website and brochures.

● You need to pay the additional amount for road tax, the registration fee for RTO, and insurance before you own a car. If you do not, you can be charged with a variety of penalties or challans in India.

● The price displayed as the ex-showroom price includes GST, ex-factory cost, and profit margins.

What is the On-road price?

The on-road price of a vehicle refers to the total price you pay to start driving the vehicle on the road. Simply buying the vehicle from the showroom is not enough. You must pay for several other things if you legally want to drive your car in India.
Some important things to consider under the on-road price are:

● It includes a variety of prices like ex-showroom price, registration fee, road tax, and insurance policy, among others.

● If you need any new accessories, they will also be added to your final bill with applicable taxes.

Difference between On-Road and Ex-Showroom price:

1. The ex-showroom price is the price tag excluding other factors like tax, insurance, and registration fee. The on-road price uses all the additional charges: life insurance policy, road tax, registration fee of RTO, and so on.

2. The ex-showroom price does not justify the final price of your car. You need to pay a lot of additional costs. On the other hand, the on-road price is the final price of a vehicle. You need not pay additional costs.

This gives you enough insight into how the car is priced at the showrooms. The price you see on the internet is clickbait to lure you into buying the car. You should be fully aware of the on-road price of a car before you buy it. This will help you analyse your budget better and prevent you from going overboard with your decision. You should also buy new car insurance that gives the best insurance coverage against any mishaps.

Click HERE to buy new car insurance to safeguard your valuable asset.

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

While YOLO (You Only Live Once) can be the mantra for many of us to enjoy and create beautiful memories, it is also important to remember that accidents come without warning. The slightest of injuries can make your life uncomfortable to an unimaginable extent. You can never be too cautious, and it does not harm to be careful and vigilant about the body against the potential dangers in the surroundings.

This blog is a complete guide on hamstring injuries and the best ways to get relief. If you are someone who has no information about hamstring injuries, their diagnosis, recommended treatments, symptoms, and causes, do not worry. Here we answer all your questions about hamstring injuries right from the meaning. So, without any further delay, let’s get started!

1. What is a hamstring injury:
Often, you might have noticed athletes and people who are into fitness and go to the gym regularly get their muscles pulled. A strain or a tear in the muscles or tendons in the backward portion of your thigh is described as a hamstring injury.
Athletes, gymnasts, and sportspeople who practice long jumps, high jumps, climbing, etc., are usually at risk of these hamstring injuries, which can make movement and daily chores and practice very difficult for them. In some cases, the severity of the damage and the induced pain can lead to getting disqualified from the competition or complete bed rest.

2. Let’s learn a little more about hamstring:
The hamstring joins the bone and the largest thigh muscle in your body and helps the leg bend and stretch easily. When you jump, climb a rope, jump, stretch, run or sprint, your hamstrings are used extensively.
The level of the injury is described by the extent of damage caused to the hamstring. A grade one injury involves a slight muscle pull, whereas a grade two injury indicates a partial muscle tear. The most severe grade three injury occurs when there is a complete muscle tear.

Note: if someone has suffered a hamstring injury, it makes them prone to it in the future if they do not take proper care.

3. How is the hamstring damaged:
The causes include overstretching, lack of rest combined with fatigue after a heavy workout session, a direct hit on your thigh, insufficient warm-up before athletic and sports activities or workouts, lack of a pre-conditioning program, and a history of hamstring injuries.

4. What are the symptoms:
You need to be aware of the symptoms of different grades of hamstring injuries (as discussed in the second point). If you have a grade one injury, you will experience sudden increasing pain in the backward portion of your thigh, leading to difficulty in movement. In this stage, your leg strength will remain unaffected.
If you have a grade two injury, you will experience some inflammation, redness, swelling, soreness, bruise patches, and a decrease in the strength of your leg. A grade three injury will worsen the pain, inflammation, swelling, bruise marks, and tenderness. A popping sensation occurs when you initially injure the hamstring.

5. Best ways to get relief:
The RICE method: rest, ice, compression, and elevation are essential to help you manage the injury and get relief from the pain and the soreness in your hamstring. Avoid excessive movement till the soreness goes away and the swelling goes down. Ice the area at fifteen-minute intervals for the next day or two.
A thigh sleeve (elastic, preferably) or a compression wrap is a wise choice to help support the area during the slightest movement. Subtle exercises like lifting your leg to a comfortable level while sitting on a chair or the edge of the bed help during the icing intervals. Crutches are advised if the movement is unbearably painful.

You must be careful and take the required measures to be watchful about your body. It is also wise to get personal accident insurance to avoid monetary stress in times of difficulty. You can explore all your options and purchase the best personal accident insurance online which suits your requirements.

Click HERE to learn more about buying personal accident insurance online.

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

In recent times, technological advancements have been table-turners for corporates in the insurance industry. They aim to bring a noteworthy revolution to the conventional business management approach. The reorientation of the entire business using these futuristic technologies can be a great advantage in bridging the gap between service and convenience, which are major pain points for insurance providers.

Talking about the insurance sector, "efficient customer handling" is the need of the hour that demands the maximum technological support. If you think on a broader level, customer handling encompasses every aspect of the service provided by the insurers.

Customers are seeking higher expectations from their insurance providers to enjoy services conveniently. Insurance companies have been analysing and implementing every strategy placing customers as their top priority. With automation establishing itself diversely in every field, insurance industries are now ready to upgrade their business model to consolidate their position in the market and be more liable to their customers.

Moving into 2023, the insurance world will be riding this wave of technological advancement. It will be interesting to watch how technology-aided services help the insurance sector build a solid customer-centric approach.

Automation: Where imagination shapes into reality!

Who had imagined that getting tasks done automatically would be a practical thing? The introduction of automation is significantly impacting behind-the-scenes operations, making them more hassle-free. The involvement of automation technologies is a boon to the insurance industry that works as the brain behind all data handling tasks and achieves all desired objectives.

Companies can now supervise various processes and real-time monitoring and delivery of the services with the help of automation. This allows the organisations to lower their servicing costs, keep an eye on the operations and maintain transparency, which helps ensure faith and trust in their employees and customers.

There is a lot of sensitive information shared by the customers during their interactions with the insurers, be it purchasing, renewing, claims, etc. And this information needs to be carefully stored and safeguarded to avoid any data breach.

The technology like blockchain will help companies keep track of customers' vital information and help consistently revamp the data, along with developing robust and resilient networks to mitigate the risks of cyber-attacks and identity theft.

What other aspects of insurance are influenced by incorporating technology-aided services?

Technology-aided services enable insurance companies to track customer demands and preferences, current industry trends, and product innovation. Adopting artificial intelligence and similar technologies will help analyse a pattern and eventually create more applicable and prevalent algorithms, transforming how an insurance company handles its customers and curates an unmatched customer experience.

These technologies will humanise the process, thus increasing productivity and providing better touchpoints for the customers to interact with. There will be efficient data storage and analysis, thus helping the professionals gain insights from past interactions and offer reliable solutions to all problems to keep up with the frequent change in consumer demands and buying patterns.

A new era of storage and computation:

The businesses are future-ready and opportunistic about the evolution of cloud technology and believe that it will advent the massive shift of insurance companies and their infrastructure. This switch of all the core systems to the cloud will make it significantly more accessible for the insurance sector to launch new products and services. Once this transformation to the cloud completes, the large data sets will be easier to analyse and draw patterns.

Cloud technology aims to create an entirely different ecosystem that balances customers' expectations and insurance companies' aspirations.

The services are being reshaped with the involvement of automation and other prominent technologies. This global adoption in the insurance sector will help reform the life, health, asset management, and other fields of customer handling. Technology is the backbone of the insurance framework, from instant applications to faster claims and customised purchases to hassle-free settlements. These smart services will be a massive bonus for the customers to interact with their insurers, mention their grievances, and provide their feedback.

With the global advent of technology-aided insurance services, you need to be proactive to keep up with the pace of advancement and the changes in the expectations of the customers. The world of insurance is observing a digital shift, and you need to welcome it to see what it offers.

People often complain about parking spaces, especially in our country. They usually park illegally and in spots that make it difficult for pedestrians to navigate their ways and get to their destinations conveniently. Many people need to develop their parking skills, to avoid the problems of congested roads, traffic jams, etc. Parking your cars also avoids the risk of accidents, keeps your vehicles safe against any damage caused by collisions, and helps maintain proper order on the road.

Parallel parking is a skill that people find challenging to master. Are you somebody who has constant complaints about your inability to parallel park your two-wheeler or four-wheeler in parking spaces or congested parking lots? Well, do not worry. This blog is curated just for you. It discusses the tips to parallel park for you to read, quickly understand and practise parallel parking safely without damaging your car or hurting yourself.

1. Do not just go for a spot:
Always explore the spots that are empty before just going for the first one that you see. Giving it a thought for a minute will help you determine which location will be convenient for you and has enough space for you to parallel park your vehicle without any risk of collisions or damage. Determining if your car can fit in a particular area is crucial. Also, ensure that you keep a distance of at least two to three feet from the other vehicles.

2. Next step – reverse:
Your second step is to reverse correctly. Notice the other vehicle and reverse your car till the middle portion of your vehicle is parallel positioned concerning the next car’s bumper (rear). Keeping a distance of two to three feet is handy when you reverse. There is absolutely no risk of collision with the cars next to you on either side.

3. Platform behind your vehicle:
You must keep reversing your vehicle until you park perfectly parallel to the vehicles on the side and the divider, usually on the driver’s seat side. Ensure that you are aware of any platforms behind the cars in the parking lot to avoid crashing into them and damaging your vehicle while reversing it.

4. Aligning is important:
The last and final step is to check that your car is placed at an equal distance from the vehicles on either side of it and has enough space to open the door and get out comfortably. If not, straighten it or try parking it properly again. Aligning your car avoids the risk of any bumps and damages while you or others who have parked next to you try to move the vehicles out of their parking spaces.

While you parallel park, some tips to keep in mind include using your indicators to signal other cars that you are trying to park and avoid mishaps that might occur due to misreading directions. Slowly backing your vehicle is essential to prevent bumps into surfaces you might have missed out. Determining your parking position and being in control of your steering wheel are two other vital tips to ensure that you do not end up rushing or losing control of your vehicle.

These were a few ways to help you parallel park your vehicle in crowded places. Practise these steps, prevent the risk of damage to your vehicle, and learn to park it safely without creating chaos for fellow vehicles. And while we protect our vehicles against any damage, it is also crucial that you understand the significance of purchasing the best motor insurance India to safeguard your car against mishaps and avoid any monetary stress in case of a damage. Buy the best motor insurance India that compensates for the complete repair and maintenance of your car.

Click HERE to learn more about the benefits of purchasing motor insurance India.

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

Bringing home your newborn from the hospital is a wonderful yet challenging experience as a parent. The fear of the infant getting sick is a big worry. It takes time to understand typical infant behaviour and gauge abnormalities, which can be challenging.

Detecting initial signs of illness is crucial as it gets difficult for infants to fight off diseases that spread swiftly due to weak immune systems. Comparing family floater plans offered by online health insurance companies is an equally important step to consider to protect your baby.

Additionally, here are some symptoms of newborn illnesses to be aware of.

1. Consistent crying or irritability:
A baby can only communicate its needs by crying, be it hunger, tiredness, loneliness, a change of diaper, or discomfort. At first, you might not understand your baby's cries, but cancel out reasons to identify the cause. Consistent irritability and cries are signs of sickness.

2. Fever:
Bacterial and viral infections, including pneumonia, ear infections, stomach bugs, and urine infections, can cause a fever. Use a digital or mercury-free glass rectal thermometer to take your child's temperature. A temperature of up to 100 degrees is considered normal. For children younger than three months, a temperature of 100 degrees or more, and 101 degrees for children between 3 and 6 months is the threshold, after which you must immediately contact the doctor.

3. Apathy or laziness:
Being tired, dizzy, listless, or excessively sleepy without responding to sounds and sights or reduced appetite are gradual changes you may notice. Lethargy may be a symptom of an infection or other illnesses, like low blood sugar. If your infant shows fatigue or isn't as active as before, consult the doctor.

4. Little appetite:
Most babies eat every three to four hours after the first day, and they will typically express their hunger by sucking on their hands or fingers, screaming, or making yelling gestures with their hands or fingers. Contact your paediatrician if your infant refuses to eat and skips multiple feedings.

5. Vomiting and diarrhoea:
Intestinal, bacterial, or viral infections and obstructions can cause vomiting and diarrhoea. Regular examination of your baby's poop can help the doctor identify bacterial infections. The symptoms of viral infections generally go away after about a week without medication.

6. Inconsistent stools:
Your infant may lose excess fluids due to a fever, illness, or heat and have extremely dry stools. Once your baby begins eating solids, excessive consumption may cause constipation and the formation of firm stools due to difficulty in digestion.

7. Urination:
Typically, babies soil a minimum of four diapers daily. Excessive urination could be due to an infection or other urinary tract issues, such as distress while peeing. A pinkish stain on your baby's diaper indicates concentrated urine and is not worrisome—however, blood in its diaper or persisting discomfort requires a doctor's intervention.

Immediate steps of actions:

Caring for an infant is a significant responsibility that requires prior planning. We encourage to-be and new parents to compare infant insurance offered by online health insurance companies and prioritise their child's health.

Once you notice any symptoms persisting for long periods and deviations from typical behaviour, rush to the doctor. Ensure you follow the doctor's advice to nursing your child back to health. Additional preventive measures include:

● Introducing easy-to-digest foods

● Keeping a constant watch on your newborn

● Maintaining a clean environment

Dealing with kids is always a challenging task, especially when it comes to infants. Since they have weaker immune systems and cannot do things for themselves, it is the parent’s responsibility to make prior arrangements to provide the best possible environment for the infant to thrive in. You can start by including your infant in your family insurance plan after carefully considering the alternatives online health insurance companies offer.

Click HERE to buy insurance for infants from online health insurance companies.

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

At-home gatherings are now again in fashion post-pandemic. However, throwing a simple house party requires the right mindset, preparation, and skills to have an epic event. Make sure everyone will enjoy themselves if you're planning to host a dinner party, a modest birthday celebration, or any achievement.

Your gathering will be the party of the year if you follow these easy hosting recommendations.

1. Make a plan:
No matter how big or small, house parties are necessary to celebrate all of life's significant occasions. We've discovered from some of the event experts that preparation is half the pleasure. Prepare the invitee list in advance, deep clean your dining area or living room, and also remember to set up little sanitising stations throughout the gathering.

2. Decor objectives:
The house's decor would be the next thing to be played with. The cushions and upholstery can be changed to suit the occasion. As colour coordination is essential for tying the space together, you may use flowers to fill the day's mood. These simple and quick modifications give the impression that a lot of work was put into them.

3. Play quality music:
Party vibes are incomplete without happening music. Play fantastic playlists to keep the party going, whether it is an afternoon brunch with friends, a baby or bridal shower, or a holiday party. Keep the sound manageable so you can converse with your guests.

4. Proper lighting:
A well-lit space is needed every day, especially when you have company. Make sure all windows are open and provide plenty of natural light for a gathering during the day. In the evening, warm lighting creates a cosy atmosphere. The proper lighting transforms a room instantaneously, bringing out all of your home's lovely nooks and places.

5. Pay attention to the minor details:
Having additional closet space for jackets might be a simple example of this. These thoughtful additions will give guests the impression that you put a lot of consideration into this at-home party.

6. Absolute clarity:
First, ensure your environment is clutter-free, especially the hosting area. This advice is very relevant when young children are present because they frequently leave their playthings in impromptu locations throughout the house. Remember that a clean space feels airy, pleasant, and warm.

7. Understand your guests:
This is essential to mastering the art of entertaining at home. Understanding your visitors' preferences, dislikes, and ideas about what is most enjoyable is necessary. Take advantage of their preferences or encourage them to try new dishes you have prepared for the occasion.

8. Play games frequently:
A basic board game or a deck of cards should always be available if your party turns into a game event. At night's end, these essentials are impressive. Outstanding cuisine, good company, and extraordinary beverages are the ingredients of a successful party.

9. Ask for assistance:
You might want to appear to have it all together. We are here to tell you that just because you are having a party doesn't mean you have to do everything yourself. Invite your friends to bring wine, dessert, or other light fare food. A little aid can go a long way.

Nobody wants to feel tense during a party, dinner, or other function. Make everyone feel as though you are happy to have them there.

Also, a home is one of the most important investments you may strive to make throughout your life. However, you need to secure and protect this crucial life investment. House insurance India can help protect your home and your belongings against unanticipated events like burglaries, fires, floods, storms, and explosions. Buy the best house insurance India policy today, and always be prepared to celebrate good times at your dream home.

Click HERE to buy the best house insurance India.

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

Wrist damage is one of the most frequent types of injuries among motorcyclists. While some may be caused due to collisions, some are caused due to general riding activities such as using the throttle for a prolonged time or during long bike rides.

However, not all wrist injuries require similar treatment. Some may need substantial surgery and numerous treatments to correct the problem, while others recover independently with little to no therapy. If not given appropriate care immediately after a collision, even relatively minor injuries can cause lifelong disabilities and an adversely impacted lifestyle. If you have recently suffered a wrist injury, keep these tips in mind to help you recover faster!

Also, it would be wise to invest in the personal accident and bike insurance online to cover allied costs of damages done to you and your bike due to an accident.

Why you should seriously consider aftercare for your healing wrist:
Wrists are an integral part of our daily movements. While an injury is enough of a setback, neglecting aftercare worsens the situation. Repeated strain due to bending and bearing weight on them can cause further inflammation and have severe consequences like tendonitis or carpal tunnel syndrome.

However, using the following tips regularly can aid in improving flexibility and easing the pain.

1. Stretching:
Place your palm perpendicular to the forearm by bending the wrist or using the help of a wall to maintain the position. Push back your fingers and hold for 15–30 seconds. Do the same by folding the wrist downwards such that the back of the hand is against the wall and holding for 30 seconds.

2. Extended wrist:
Targeting the wrist, hold a weighted object in your palm. A small bottle or jar serves as the best prop for this stretch. With your fingers cupped around the thing, twist your wrist upwards and backward at a total angle of up to 160 degrees. Start slow, as your movement is bound to be restricted and strained. As you get comfortable, increase the weight and range of motion.

3. Bent finger stretches:
Much like the first stretch, this starts by holding out your fingers splayed out. Bend them at the joints for five seconds. Start with two sets of five repetitions slowly to ease the strain on the nerves.

4. Rotations:
While it may seem impossible immediately post-injury, ease your way into doing this stretch. You may do this with additional weight. Rotate your wrist by focusing on your hand until discomfort sets in.

5. Increasing grip power:
Hold and squeeze a grip gadget or a rubber ball for 5-10 seconds each time. It is a comprehensive movement that helps improve overall flexibility.

Depending on your doctor's advice, avoid riding if your wrist is severely impacted. However, if your doctor approves your riding plans, here are some extra tips that may reduce the strain on your wrist.

1. Practise good posture:
Poor positioning when riding a bike can cause wrist pain. Your nerves and joints may become stressed if your wrists are constantly locked. Make sure your elbows are slightly bent to ease some of this pressure if you need to lean forward while riding your bike.

2. Use attachments on your handlebar:
Add cushioned or gel grips to absorb movement and eliminate handlebar vibrations. Weighted bar ends can help reduce hand fatigue by stabilising vibrations and movement. Also, ensure that you grip the bar with reasonable force.

3. Lock your throttle input:
For simple cruise control, install a throttle lock. It helps maintain speed without adjusting the throttle, reducing the strain on the wrist.

Injuries are an inevitable risk in life. While you cannot avoid them, you can prevent them by exercising caution. Similarly, the mandatory purchase of bike insurance online prudently covers the motorcyclist from shouldering the financial burden of theft and damages to a bike.

Click HERE to buy bike insurance online.

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

While the allopathic world is trying its best, home remedies have also proven very effective, especially in our Indian culture. Naturopathy is the alternative medicinal route to building antibodies, curing health issues, and catalysing the body's healing capabilities and defence mechanisms.

But, how well do you know about naturopathy? Are you aware of the positive effects naturopathy has on the human body? What precautions must you take while going down this route of alternative remedies? Don't worry. This blog has all the answers to your queries and more! Let's discuss naturopathy and its effectiveness for a healthy life.

What is naturopathy?
Naturopathy is a healthcare practise that brings science and nature under one umbrella. It relies on fundamental principles and natural remedies like sunlight, water, exercise, diet, and stress management. Naturopathy enhances the body's ability to regain excellent health without using allopathic or over-the-counter medicines.

What are the pillars of naturopathy?
The five crucial elements of naturopathy include - air, water, fire, earth, and ether. Naturopathy practitioners ensure that they direct your body and mind toward holistic development through hydrotherapy, sunray therapy, mud therapy, air therapy, and vacuum therapy. Naturopathic physicians are state-licenced medical professionals recognised as primary care providers (PCPs).

Following are a few ways in which naturopathy helps heal our bodies.

• The healing power of nature:
The study of naturopathy believes that the human body has a self-healing ability. Naturopathy helps enhance the body's capability to fight and ward off any issues by following a healthy diet, nutrition, regular exercise, and herbal medicines.

• Treat in entirety:
Naturopathy practitioners approach the human body entirely. They believe that human's overall health is composed of more than just physical health. While developing their treatments, naturopaths consider all these factors and establish the medications on a holistic level. While western medicine focuses on suppressing or treating the symptom, naturopathy focuses on restoring the body's health and curing the illness from its core.

• Complete focus on zero harm:
Naturopathy always prioritises treatment methodologies that cause no damage to the body and are non-invasive. While physicians believe in "doing whatever it takes," naturopathy has shown a reluctance to use drugs and methods that can put the human body under external distress. It uses only natural remedies and elements like air, water, earth, and herbs to perform the treatment.

• Identifying the cause:
Symptoms are not only the focus area in naturopathy. Naturopathy practitioners prioritise identifying and removing the cause, not just eliminating the symptoms. The reason helps them diagnose the underlying problem, which allows them to curate their medications and suggest treatment methods.

• Prevention is always the first step:
Naturopathy focuses on developing the body's strength and immunity to keep all diseases at bay. Naturopaths prioritise assessing the risks and provide suggestions through healthy eating habits, a sound sleep cycle, and practising meditation.

Yes, it is effective.
Naturopaths work in close connection with their counterparts to exchange ideas, research, and treatments for the betterment of their patients. Naturopathy can also be related to alternatives like ayurveda, homoeopathy, acupuncture, etc.

Naturopathy is covered under insurance.
Yes, naturopathy is insured by health insurance under AYUSH treatments. All the medical expenses involved in the naturopathy treatment, including access to AYUSH hospitals or day-care centres and in-patient hospitalisation costs, are covered. Also, you may save a considerable amount on your sum insured as the cost of AYUSH treatments is lower than that of allopathy.

These were a few benefits of naturopathy for a healthy life. Since we talked about health and its significance in our daily lives, you must ensure that you stay on top of your health insurance game for yourself and your loved ones. Did you check when you are due for your health insurance policy renewal? If not, hurry! You must ensure that your health insurance stays intact and updated to live your life without worrying about unforeseeable situations.

Click HERE to learn more about health insurance policy renewal.

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

As the owner and user of your vehicle, you need to understand the importance of cleaning your car regularly to save money and ensure that your vehicle is safe and hygienic for other passengers.

The vehicle's trunk can become the dirtiest place due to the stuff we put there. It could be the dust from the roller bags and carry-ons, stains from the fruits and vegetables, baby items, liquids, and more. So, it is essential to deep clean the trunk of your car to keep the atmosphere in the vehicle healthy and avoid any smells, decaying, and dust that could be harmful to the health of the people sitting inside.

This blog will teach you how to deep clean your car’s trunk. Without any further delay, let us get started!

1. Identify the suitable materials:
For deep cleaning, you need to identify the suitable materials you must use to ensure that it does not cause any adverse effects like bad odour, staining the carpet or the rag in the trunk, damaging the surface inside the trunk, etc. Removing the stains and cleaning the trunk is essential, but the right kinds of detergents, liquids, and cleaning cloth helps you make the process easier and show effective results.

2. Remove the lint:
You often store your furry coats, jackets, sweaters, trench coats, etc., in the trunk. Such clothes generally leave particular woollen shreds called lint on the surface of the trunk, which should be removed properly. If not, they tend to stick to interiors and lose their colour when they come in contact with chemicals in cleaning liquids, soaps, or detergents causing irremovable stains.

3. Vacuuming efficiently:
Deep cleaning involves cleaning the surfaces, the trunk, and the carpet-rolled interiors. However, do not stop just at the cleaning but also vacuum the trunk to get rid of those tiny pieces of paper, leaves from the vegetable stems, or fruit peels. Clean everything that is not easily visible to the naked eye while cleaning. The trunk of your car can be a complex surface to maintain if you do not deep clean regularly and follow the complete routine and methods.

4. Cleaning the carpet:
While the surfaces are supposed to be clean, do not just leave the carpet and vacuum it regularly. Occasionally, remove the carpet from the trunk and wash it well by shampooing and conditioning it. You need to dry it completely before putting it back in the trunk. Even a slightly wet carpet can cause damage by giving rise to bacteria, thus making it unhealthy and unhygienic for you and the people in your car.

Adding to this list, remember to clean the lid of your trunk. A dirty top of the trunk of your car might make your entire effort of deep cleaning your car’s trunk go to waste due to the dirt and dust sitting on it.

We hope you found this blog valuable and effective in maintaining cleanliness and pleasing odour inside your car. Moreover, it is always a good idea to get car insurance and protect your vehicle from any damages which might be caused during unfortunate circumstances. Explore your options and purchase the best car insurance India that optimally caters to your needs.

Click HERE to learn more about car insurance India.

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

Indian celebrities, cricket players, and business tycoons have all made headlines for driving fancy foreign cars that they brought into India. It takes time and is complicated to import a foreign car into India. But if someone is willing to put in the time and money, they can import their dream car by following the rules and going through the process.

In this article, we'll go through the steps involved in bringing a foreign car into India and some crucial rules you must abide by.

India has stricter regulations than other nations regarding the import of foreign cars. Foreign cars will be permitted to drive on Indian roads only if they meet all requirements.

Guidelines for importing a new car.
To import a new car, the following prerequisites must be satisfied:

● The car must be built or assembled outside of India.

● The car must be brand new in every way, and you can only import it from the nation where it was made. It cannot have been registered, leased, sold, or loaned before being imported into India.

● A right-hand driver's car is required.

● Kilometres, not miles, should be displayed on the speedometer.

● You can use only the naval docks in Mumbai, Chennai, and Kolkata to import cars. Therefore, you should use just one of these ports to transport the car to India.

Rules for importing a used car.
The procedures for importing a used car into India are complex and may take longer than expected. The rules are as follows:

● Imported used cars shouldn't have a manufacturing date older than three years.

● It must be a right-hand drive car.

● Kilometres, not miles, should be displayed on the speedometer.

● Again, only naval docks in Mumbai, Chennai, and Kolkata are allowed to transport the car to India.

● The car should be financed, leased, registered, or sold.

● It must have a roadworthiness certificate with a minimum 5-year validity.

Who is authorised to bring commercial cars into India?
You must meet additional requirements before you can import commercial cars into India. Because people can travel in passenger cars, SUVs, and jeeps that were imported, the rules for commercial cars are strict. The following are the profiles that can bring such cars into the country:

1. An NRI who last lived in India at least two years before the import and owned a car for at least a year.

2. Relatives, i.e., the legitimate heirs or successors of a person who passed away overseas and left a car in their care.

3. Individuals with physical disabilities.

4. Companies with foreign equity participation that are already operating in India.

5. International corporations with a presence in India.

6. Trusts that are legally established for religious, missionary, or charitable purposes in India and abide by the regulations established by the state or central government.

7. Any honorary consuls that the Indian government's Ministry of External Affairs recommends.

8. Any journalist who possesses an accreditation certificate issued by the Bureau of the Indian government's Ministry of Information and Broadcasting.

Things to take into account before bringing a car into India.
Before you start the time-consuming process of bringing a car into India, you need to think about a few essential things.

1. Import taxes on cars:
You might be required to pay an import duty of up to 116% of the car's CIF (cost, insurance, and freight) value.

2. Registration:
The closest RTO in India must register the car. The import tariff does not include the fees for registration and road tax. These fees vary based on the kind and price of the car.

Insurance is essential to drive your car in India legally. You can conveniently buy car insurance online to financially protect you from paying for damages caused by an accident or third-party liabilities. Your car insurance can offer financial security against collision, fire, or other unavoidable natural or man-made disasters.

Click HERE to buy car insurance online.

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