GENERAL INSURANCE BLOG

The Driving Licence (DL) and Registration Certificate (RC) are two crucial documents for any vehicle in the country. Without this, your vehicle is not registered under the law. It also means that you are not eligible to be a legal driver of your concerned vehicle.

When filing an insurance claim, you need to produce these two documents before your insurance company. They are crucial in determining your ownership details. However, many circumstances result in the loss of these documents. What will you do then? Will you lose the 2 wheeler insurance claim?

If you're looking for the answers to the questions above, this article is definitely for you.

What is an add-on for 2 wheeler insurance?
Many unforeseen circumstances can cause the theft, loss, or damage of your driver's licence and registration certificate. Although this nullifies your vehicle ownership under the law, certain factors can help you.

In situations like these, the Registration Certificate add-on or Loss of Licence comes to your rescue. It is an additional cover for your 2 wheeler insurance. Under this, you need to pay a higher interest rate or premium. The add-on ensures that you experience additional benefits as the owner of your vehicle and insurance.

You can easily buy the add-on when applying for your 2 wheeler insurance. It can be done both online and offline without any hassles. This add-on is extremely helpful in situations when you lose your Driving License or Registration Certificate. It ensures that you still get your insurance claim.

Benefits of add-on:

● It enables you to apply for an insurance claim without a driver's licence or RC

● You are entitled to receive monetary support in case your driving licence and registration certificate are lost or stolen

● It will serve as a helper when the claim is settled

● The add-on comes with a very partial increase in the insurance premium

What to do when DL or RC is lost or stolen?

If your Driver's Licence or Registration Certificate is stolen or lost, you need to do the following things immediately:

● Go to the police station and file a complaint about the theft

● Make sure to get a copy of the FIR with you

● Go to the nearest RTO office and file for a duplicate copy of your DL or RC. Attach the photocopy of the FIR along with the required documents

● Pay the given fees

● For a DL, you need to complete the biometric process as well

● The documents will be safely delivered to your address

What to do while filling an insurance claim without a DL or RC?

If you're filing an insurance claim for your 2 wheeler insurance, then you should:

● Make sure that you apply for the claim within the specified time

● Fill out the form with the correct information. Check it twice

● Gather all the required document

● Initiate the claim

● You should provide all the proofs if you have lost your DL and Registration Certificate. If you have an add-on, this process is all the easier

● Before applying for the claim, read all the terms and conditions carefully

These are the simple yet effective things you should remember while filling a 2 wheeler insurance claim if you misplace your licence and RC. However, always ensure that you keep all your important documents in the right place and prevent them from being lost or stolen. This can cause you great distress otherwise.

Click HERE to buy the best 2 wheeler 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.

For every two-wheeler owner, it is imperative to know various driving and traffic rules and regulations that prevail in the country. One of the most important rules of riding a two-wheeler here is the mandate of having 2 wheeler insurance. However, just having two-wheeler insurance is not enough. You also need to maintain a clean riding record. Your insurance will not be affected when you have a clean riding record.

This article is for you if you are unaware of a clean riding record and how it impacts your insurance.

What is a clean riding record?

A clean riding record, in simple words, looks at all aspects of your two-wheeler. It considers how you drive, the accidents you've encountered, broken rules or any challans you received, and so on.
It provides the whole history of your two-wheeler. The official statement includes all the details of your vehicle and directly affects your 2 wheeler insurance as well. When your insurance premium is calculated, the accidents, traffic violations, and challans are considered part of your riding record.

How does it affect your two wheeler insurance?

Many factors are taken into account while calculating your 2 wheeler insurance. These are:

● History of claim

● Model of vehicle

● Location of your vehicle

● Riding record

● Type of Plan

● Year of two-wheeler manufacturing

Riders with a clean record will likely be blessed with the best insurance plans and discounted premiums. This may not be the case for others.

Factors affecting riding record.

1. Late payment of challans:
This directly shows your laid-back attitude and procrastination. It is advised not to violate traffic rules and get a challan. If you do, you should try to pay the fees for the same on time.

2. Accidents:
This is the most dangerous thing to affect your riding record. Your negligence or carelessness during driving can cause accidents and reflect badly on your profile.

3. Violation of traffic rules:
If you violate any traffic rules, it will reflect significantly on your riding record. It can involve over-speeding, overtaking, jumping traffic signals, etc. It is recommended to follow all traffic rules to eliminate the risks of accidents.

4. Intoxication:
If you've been caught riding your two-wheeler while drunk or under the influence of other intoxicants, your riding record can be tainted forever. It is advisable to avoid drinking and driving to remain safe on the roads.

How to maintain a good riding record?

You must maintain a clean riding record to claim your 2 wheeler insurance without any hassles. The steps are

1. Ride safely:
You must be responsible on the road and avoid riding recklessly. You should be respectful of everyone on the road and keep them safe.

2. Follow traffic rules:
It is advisable to follow all the traffic rules and regulations without fail. You should not over-speed or jump traffic lights. Avoid parking your vehicle in no-parking zones.

3. Pay penalties:
If you break any traffic rule by mistake and receive a challan in your name, immediately pay the fees. Do not wait till the last day.

Being safe on the road and maintaining a clean driving record is always advisable to avoid any mess up with your insurance claims. Make a smart move, follow the aforementioned steps, and reward yourself with a clean riding record and the seamless benefits of 2 wheeler insurance.

Click HERE to buy comprehensive 2 wheeler 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.

Group trips are often a sort of once-in-a-lifetime opportunity for everyone. However, it is tough to set an itinerary that is convenient for all and pleases each one in the group. Differences may arise when choosing the mode of travel. Some may want to take a flight, some train, while others want a road trip. Further differences may arise with the choice of hotels, destinations covered, trip duration, etc. What to do now? Fret not!

We are here with our exclusive guide to enjoying a perfect group trip.

1. A group leader:
The first step for the success of any group trip is to appoint a group leader. He should be bold, knowledgeable, a good researcher, and a planner. He should also be a good team player as he will have to manage and deal with everyone in the group.
The appointment of a group leader will ensure a single point of contact for addressing the needs of all. He can finalise the travel dates, mode of travel, hotels, etc., after discussion with everyone in the group on a one-to-one basis.

2. Budget:
A group trip is about convenience for one and all. Some may want an international holiday, while others want to go within the country. Some may favour travelling by air and staying in a five-star hotel, while others may want to make it more budget-friendly, travel by train, and stay in less expensive hotels.
The group members should first decide on their budget and book accordingly. The trip should not put undue pressure on anyone financially and cause inconvenience.

3. Book in time:
A group trip involves a lot of bookings, be it for travel, accommodation, or sightseeing. Always make your bookings as soon as possible otherwise you will have to pay steep prices for your flight and hotel booking. There is also a chance that tickets or rooms become booked and unavailable for your travel dates. A delay in bookings can spoil your entire travel plan.

4. Plan beforehand:
A perfect group trip means planning possibly everything before you arrive at your destination. Local sightseeing and related bookings should be planned to avoid confusion and delays later. For example, you may consider booking cable cars in advance if you visit such a destination in a large group. Buying cable car tickets on the spot can take a lot of time. Also, there is a chance that there are no vacant seats left for you at the last moment.
You should also plan your meals well in advance. Everyone has a different food choice, and meeting their expectations can be daunting. Find good restaurants for meals, declare the menu/ available choices in advance and book them accordingly.

5. Do not make your trip hectic:
A perfect group trip will give everyone some personal space and time. Never make your travel itinerary very hectic and time-bound. Keep a comfortable gap between various activities so that people are not left exhausted at the end of the day.
You can also plan to keep an extra day in hand so that individuals can use their holiday time as they wish and do the activities of their choice. Remember that you are on holiday, not on a mission, to finish some tasks.

No trip can be as enjoyable as a group trip with family or friends. But it has to be planned well in advance and executed effectively. Similarly, you need to plan for your general insurance needs well in advance so that it provides adequate security coverage in times of emergencies. As there are several general insurance companies in India, always thoroughly research their policies and coverage and opt for the best one.

Click HERE to buy insurance from the reliable general insurance plan to make your group travel safe from mishaps.

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.

Cracked heels are one of the most frequent and concerning foot problems, especially during the winters. It can happen to adults and children, although it tends to impact women more frequently than men.

Most individuals don't take broken heels seriously. Going barefoot may be uncomfortable as heel cracks occasionally go quite deep and hurt. Read on to find out the best home remedies and ways to keep your heels from getting cracked.

You can use home ingredients in simple cures for cracked heels:

We constantly take care of our faces, hands, and nails, but for some reason, we frequently overlook our feet. Additionally, they are more likely to get dry and cracked when wearing slippers or other footwear that exposes the feet.

Here are a few home-based cures for cracked heels that work quickly

1. Rose and milk for a deep conditioner:
This treatment will work like magic for people with painful, cracked heels. Take a small tub and fill it with warm water before adding half a cup of milk. Include a few rose petals and three to four neem leaves. Add a teaspoon of seed oil to the tub. If you have any essential oils, add a couple of drops. Spend 20 minutes soaking your feet, then gently scrub them to clear off the dead cells.

2. Oil massage:
Take one teaspoon of castor, olive, and almond oils and massage your heels with the mixture of these healing oils. Try moisturising your heels to help the oil soak properly. Wear socks and complete this technique right before bed. Your cracked heels will be healed and soft by overnight dampness.

3. Honey and banana moisturiser:
You should mix a teaspoon of honey and a small banana in a bowl. Achieve a liquid-like consistency before applying the paste to your heels. Keep it for 20 to 30 minutes, then rinse it with warm water. After patting your feet dry, apply your moisturiser. Vitamins A, C, and B6 are abundant in bananas, making them a natural moisturiser. Honey helps hydrate your skin and provides moisture to the skin's outer layers

4. Using a pumice stone and salt:
Pumice stone is used in this cure. Just add a few drops of olive oil to a spoonful of salt. Apply this scrub to your cracked heels, then scrub them gently with a pumice stone. Rub for another 20 to 30 seconds before washing with soap and water.

Caution:

If a medical disease is the cause of your cracked heels, do not attempt to treat it on your own. It could be necessary to receive specialised care from a podiatrist (foot doctor). No matter your medical history, a podiatrist should also look at cracked heels that are very bad. The doctor will recommend the appropriate course of action for your circumstances.

In the end, it can be hard to take care of heels, especially if you live in a dry area where they tend to crack. A lack of nutrients, diabetes, or atopic dermatitis may also cause cracked heels. The borders and soles of your feet may feel flaky and crusty when they become dry. These cracked skin symptoms can quickly disappear if you take good care of them by washing, moisturising, and wearing socks. Shea butter, coconut oil, olive oil, and honey are a few natural solutions for cracked heels. If these self-care solutions do not work for you, you must visit a doctor.

It is crucial to prioritise your health and ensure your well-being. Healthcare costs associated with sickness or accidents are covered by medical insurance. Your health insurance covers the costs of paying for your hospital bills or medical care directly. You can make online health insurance purchases conveniently with a hassle-free process.

Click HERE to buy an online health insurance plan.

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

Be it enjoying fun activities amidst a large crowd in another city or country or revisiting nature to restore your peace and calm and give your soul the gift of solitude, the culture of travel in India is embedded right from the schooling years. The schools include educational trips, excursions, inter-school competitions, and student exchange programs and promote them with full zeal to the students.

But what places in our country can be considered safe and have the educational potential for students of different ages? Do these places have a rich history and culture the youth of our country must know about? We have curated a list of the most popular places in our country with educational prospects so you can review them and create your travel bucket list, if you are taking your kids on these field trips.

1. Let’s take a look at Aurangabad:
Aurangabad is a popular place that has been the centre of several discussions throughout the school years in our country. This place derives its name from the name of the Mughal emperor, Aurangzeb. Famous for the UNESCO-declared heritage sites, the Ajanta and Ellora caves, it also houses Bibi ka Maqbara, whose architecture is similar to the world-famous Taj Mahal in Agra.
Aurangabad is also known for its hand-woven Himroo and Paithani sarees which display the work of the artisans beautifully. It is one of the most-visited locations by students in our country and is also considered an important pilgrimage site for the Hindus.

2. The historical importance of Chittorgarh:
Rajasthan is known for its unique culture, tradition, and a wide network of heritage forts, palaces, and Havelis. Chittorgarh boasts stunning architecture and is brimming with beautiful temples and forts across the city.
The history of Chittorgarh involves several significant wars and dynasties taking over from time to time, making it a place that beholds a keen sense of interest from the eyes of historians and history lovers. You will find lavish and budget accommodations throughout the city and interact with locals to learn more about the Chittor fort's activities and other must-visits.

3. Say hello to Hampi:
The ancient city or empire of Hampi, in Karnataka, is one of the most popular destinations to enjoy an educational tour in south India. You can witness the brilliant carvings on the rocks, which depict the history of the place in a detailed version.
The elephant stables of Vijayanagara, the lotus palace known for its lotus-shaped dome and other attractions, enhance this historic site's charismatic value. The Hampi Bazaar market is one of the most famous bazaars in India, which sells a range of artefacts, antique coins, bags, handmade shawls, and much more.

4. Who hasn't heard of Kolkata:
One of the four main metropolitan cities in India, Kolkata is a city that holds major significance in terms of technological development, job prospects, and historical importance. The most popular city in eastern India and the capital of one of the largest states (West Bengal) in India, it radiates its culture, tradition, and history. From the famous Howrah bridge to the Victoria Memorial, you will witness a range of attractions perfect for an organised educational tour dripping with information that will sweep you off your feet. Some must-visit places in the city include Sri Aurobindo Bhawan, Raj Bhavan, National Museum and Energy Education Park, Science City, Nicco Park, Writer's Building, Dakshineswar Kali temple, and many more.

Some other destinations include Jodhpur and Jaipur in Rajasthan, Kaziranga National Park in Assam, Konark in Odisha, Mahabalipuram in Tamil Nadu, Mysore in Karnataka, Nalanda in Bihar, Agra in Uttar Pradesh, etc.

Now that we have spoken about how travel is an essential part of our lives to create memories and enjoy as we progress with our days. It is also necessary that we take crucial steps for the protection of our health and belongings while travelling. General insurance is a step towards ensuring that you and your family stay safe and secure and get the coverage you need during unforeseeable times of distress. You need to explore and opt for the best online general insurance which can cater to your needs in the best way possible.

Click HERE to learn more about the benefits of 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.

People from all walks of life have resumed their travel adventures after the stressful time of the covid era. They are back on the roads, taking long flights, camping, or extended stays at popular destinations to enjoy their holidays. For some avid travellers, travelling is not just a hobby but a way of life. It is the oxygen that lets them stay alive.

However, planning a vacation seems like a challenge knowing the changed interests of the travellers. There's much to be done, from booking flights to finding the perfect hotel room. Many people make wrong decisions while planning their vacation and regret it later.

One of the key features of a good vacation comes with a good hotel room. Your accommodation matters a lot. This is where you will relax and stay put after a long day of travel. You should make sure it is top-notch and fulfils all the criteria. If you're also struggling with finding the best hotel room for yourself, we have some tips to help you. Regardless, you should always sign up for general insurance if things go wrong during your travel. You should buy general insurance online before starting your vacation.

Here are a few top tips to consider while booking a hotel room.

1. Location:
Location is of prime importance when you book a hotel. You should always check where your hotel is situated. It should always be within walking distance or a 10-min drive from the prime locations of the tourist destinations. This way, you will not need to spend a fortune commuting from one place to another. Your hotel should be in the city centre, easily accessible by all public transportation. Whenever you book a hotel, make sure that you find its exact location. Often hotel booking websites have a brief description of the location. Before booking, you should use online maps to find its appropriate location and distance.

2. Internet access:
You may require a stable internet connection to access maps or book cabs. You will also require the internet if you're working on your vacation. For this reason, you should always check if your hotel has a Wi-Fi connection. And even if it does, it should be available in your hotel room. If Wi-Fi is listed, you should find out if it is free or paid.

3. In-house restaurant:
Most hotels now have an in-house restaurant for all your needs. You should check about the same before booking a hotel room. This way, you don't need to head out whenever you feel hungry. This can make your stay enjoyable. Enquire about it in advance before booking the room.

4. Type of hotel:
Before you book a hotel room, you should always find the type of hotel you are opting for. If you're with a family, you should not go for a budget stay and consider selecting the best one. It should also abide by family policies. If you're travelling with your partner, the hotel should be couple friendly. Check the type of hotel in advance before you book your stay with them. You can also book from different staying options like premium luxury hotels, boutique hotels, homestays, camps, glamping, and more.

5. Room size:
You should have a fair idea about the room size before you book the room. It makes a significant difference, especially when you are travelling with family and staying for a long duration. You should check on the hotel website before booking. You should also look at the bed size and if it abides by the number of travellers.

These are the few tips and tricks that travellers should consider while booking a hotel room. This can help you immensely with a smooth booking experience and a successful journey. Always go online, research multiple properties, their prices and amenities, and reviews, then make a final decision. If you want your vacation to go well, you should buy general insurance online to deal with mishaps later!

Click HERE to buy general insurance online.

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

What's better than enjoying a cosy winter afternoon basking in the sun? In India, winters have their charm. However, as the winter season descends, the temperatures can dip low from December to February. This means that you will find it difficult to wander outdoors.

But staying indoors can also become monotonous. It is all the more difficult for the elderly, who find it extremely difficult to step out. The weather is difficult for them, making them prone to various infections and health conditions like arthritis, joint pain, cough problems, and more.

The best solution to deal with it is by staying indoors. It is a month-long lockdown for them. So, how do we keep the seniors entertained and content at home? This article will give you all the answers that you are looking for. We have curated a list of the best indoor activities for the elderly.

While you create an atmosphere with all the indoor activities, you should always have the most affordable health insurance plans to keep you and your family afloat, especially the seniors.

Here's a list of the top indoor activities during winter for seniors.

1. Puzzles:
Puzzles are one of the best indoor games ever invented. They are not only entertaining and enjoyable but also great for the mind. They will help the seniors pass the time and make priceless memories with their families. You can engage them in jigsaw puzzles, crosswords, or sudoku. They are good exercises for the brain. You can also turn it into a family activity for added fun. It will guarantee moments of warmth and togetherness.

2. Knitting or sewing:
Knitting or sewing is an amazing indoor activity during the winter. It is not only productive but also helps in enhancing the motor abilities of the body. It helps in maintaining the hand-eye movements of the elderly. You can encourage them to pursue their hobby of knitting or sewing in their free time. Gift them a sewing kit to get them started, and try to knit with them to make them more valued.

3. Reading:
Reading is the best hobby to practise in old age. It encourages cognitive benefits. Reading diverse literature will also strengthen their knowledge and develop their imagination. What's better than losing yourself in the world of fiction during winter? It is a superb indoor activity for seniors. You can ask them about their genre of choice and help them select a book accordingly. You can also get them to join an online book club to discuss their book every month.

4. Cooking / baking:
Winters are for sweet treats distributed throughout the household. If your seniors are into cooking or baking, they can easily have a great time doing that. Cooking is a fulfilling yet productive activity that can keep one busy all day. The results also give them a sense of worthiness. You can ask your loved ones to treat you with baked goods during this festive season.

5. Painting / craft:
Winters are the best time to explore the Picasso in you. You can gift your elderly art supplies and see them unravel their creative side. You can encourage them to draw, paint, or create whatever they wish. It is a great activity for them to enhance their creativity and imagination.

These are some of the best indoor activities you can do with the seniors in your house. They will thoroughly enjoy doing these while they stay home during the winter. Regardless, you should always look at affordable health insurance plans beforehand for your family members. It is good to always look out for them!

Click HERE to buy affordable health insurance plans.

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

Diesel and gasoline both cost a lot of money. Each has benefits and drawbacks, and you'll find it challenging to choose the best car variant. If you compared them to one another, you would see that their prices are still very different from those of CNG. The winner is unquestionably CNG (compressed natural gas) every time!

If you drive a lot, CNG is cheaper and better for the environment in the long run. However, it does have an impact on your car insurance premiums. What and why?

Here is what you should know if you ever want to buy a CNG kit for your car. Determine whether owning a CNG kit will affect your premiums directly or indirectly.

Before that, let's discuss its benefits.

1. More efficient mileage:
The mileage of your car will significantly increase after the CNG kit is installed. Less fuel is required for the same distance than petrol and diesel. Additionally, CNG is less expensive than petrol by roughly 50% or more, getting you more saving on fuel.

2. More protection:
Need protection and good value? A safer option than gasoline and diesel is compressed natural gas (CNG). It is a good eco-friendly fuel option due to its low carbon dioxide emissions.

3. Real cost savings:
Although CNG kit installation involves a considerably high initial cost, you can easily cover it in a few months

The drawbacks of CNG are as follows.

1. Increases boot space requirements
The size of a CNG kit may take up most of your car's boot. Avoid CNG kits if you like taking long trips with a lot of luggage.

2. It's not always easy to find:
CNG is still not available at all the fuel stations. It implies that you'll have to wait in a huge line of vehicles when you need to refuel. The refilling process could take up to 15 minutes or more.

3. Licensing and convertibility:
The CNG fuel system only works with some cars. Before the equipment is installed, you must receive government approval. The Registration Certificate (RC) must be branded with a "fuel change" seal as part of a series of requirements.

How does your car insurance policy be affected?

1. Current insurance won't be enough:
There is still work to be done if you want to install a CNG system in your car. You might assume the current insurance coverage would be sufficient. However, it won't be enough. With CNG kits come higher maintenance and repair costs, the car insurance premiums also increase. The CNG kit must be listed on the vehicle's registration certificate to satisfy some insurance.

2. Invest more in premiums:
Insurance companies view CNG vehicles as of a higher risk. Liability insurance for your CNG vehicle would cost you an additional sum. Typically, the increase is between 4% and 5% of the cost of the CNG kit. The age and brand of your car affect the premium as well.

To insure the kit, you must have your car insurance policy's endorsement approved by your insurance provider. Your entire policy will be considered invalid if you don't complete it. Be prepared to give up your car insurance benefits if you choose not to insure the CNG kit! Always verify with your insurer before putting the kit in your vehicle. After receiving their confirmation, only then should you decide.

Click HERE to buy a reliable car insurance policy.

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

There is nothing as fascinating as travelling, which allows you to explore new and exciting places, meet new people, identify their culture, try diverse food, and discover local music.

As a traveller, you always want to have a travel experience that is hassle-free and free from any problems. The more problems you encounter on your trip, the less enjoyable it becomes. Tourist traps are one of the major issues that tourists face on their trips. Many scammers and fraudsters roam at these tourist places, trying to scam travellers. This can make your journey unpleasant and uncomfortable.

To avoid such a problem, you should always stay alert and follow certain things that will help you dodge tourist traps. The first layer of safety can be ensured by researching and investing in the best general insurance plans.

The tips and tricks to help you deal with tourist traps are as follows.

1. Blend in well:
You must not look or do the deeds of a tourist. This will make you stand out from the crowd. In this way, you're likely to fall prey to tourist traps. To avoid this, you need to blend well with your surroundings. If it is a new place that you have not visited earlier, do some research in advance. Be aware of the dressing style of the locales and dress accordingly. You should always dress in outfits to camouflage your surroundings and avoid unwanted attention.

2. Go local:
Instead of relying on your guidebook, go for a local option for dining in the city. The fancy and posh restaurants that your guidebook and brochure suggest are often too pricey and not up to the mark. They offer mediocre meals at high rates. You are likely to spend a fortune and then end up with nothing. Hence, it is recommended that you dine locally at cafes and restaurants. Explore nearby areas and discover hidden gems that will satiate your taste buds.

3. Go during off-season:
Although the tourist season is attractive, it has its set of worries. It will leave you with more headaches than you can fathom. From spending more money to getting bad deals, the prime holiday season is a waste of time. If you want to explore a place in peace, then go during the off-season. You will also be saved from tourist traps!

4. Use public transport:
Instead of opting for cabs or taxis, take the train, subway, or bus. You are likely to avoid tourist traps this way. It will also ensure you save a ton of money when taking the bus. If it is possible, walk to nearby distances. There's nothing as fascinating as exploring a city on foot.

5. Don't trust strangers:
When you're in a new city, a large number of people will want to interact with you. They will offer to take your luggage, give you directions, or even offer you a taxi or auto ride. However, you need to be extremely careful in such situations. It is often advised not to interact with such people as they're always looking for a chance to earn more money from fellow tourists. They can also charge a hefty fee for their services or even run away with your luggage in worse cases.

With this being said, you must take all the possible measures when you travel to a new place. You can easily fall into a tourist trap and lose your money and belongings. As a traveller, you would always want to carry good memories rather than stress when you head home from a destination. Invest in the best general insurance plans in advance to avoid problems during your trip.

Click HERE to buy the best general insurance plans and protect yourself while travelling.

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 majority of air passengers are constantly searching for window seats while flying. While some travellers curl up in the corner and have a good snooze, others choose window seats to take in the clouds and the gorgeous views from the little window. Although the justifications vary from passenger to passenger, everyone still enjoys sitting by the window.

Additionally, one may lean the resting head against the sidewall of the aircraft to provide additional support for sleeping. Comfort is undoubtedly greater with a window seat.

Listed below are some tips for securing a window seat when flying.

1. Request at the check-in desk:
When you get your boarding card, check with the check-in counter staff to see if a window seat is available. The airline staff will accommodate you. Alternatively, check-in at a self-service kiosk and verify the flight's seat availability before printing your boarding card. Select a window seat if one is offered.

2. The cancelled tickets are very beneficial:
If you haven't chosen a seat yet, you may check it at the airport on the day of travel. You can find a seat because some passengers cancel their reservations at the last moment, which allows you to grab your ideal window seat.

3. In the absence of a window seat:
Don't be dismayed if all of the window seats are already taken. Most airlines allow customers to keep managing their reservations. If a window seat becomes available at a later time, you have the chance to switch to the window seat.

4. Consult the boarding gate agents:
You must exercise extreme patience to complete the following hack. Arrive at the airport early and contact the gate agent. Inform them that you would prefer a window seat and ask if they could assist you. The crew and gate officials often ignore that passengers have failed to board the plane until it is too late. If any window seats become available, these people can assist you in obtaining them.

5. When you book, pick your seat:
Most airline websites and booking tools allow you to select a seat when you make your reservation. The majority of the time, this procedure is cost-free. However, certain airlines charge more for reserved seats. When the time for your journey draws near, and you still can't find a seat you want, recheck your reservation to see if anything has changed since then. If you're unsatisfied with your online choices, give them another shot at the airport, either at check-in or at the gate.

6. Once boarding is done:
Wait until the plane doors are shut if you still can't get your preferred seat. You can move to a vacant window seat. Nevertheless, before settling into an empty seat, ask a flight attendant.

7. Ask a passenger for assistance:
Asking another passenger to switch seats with you is not harmful. They probably will be okay with it if they plan to nap during the flight. Manifest a strong desire to sit in a window seat. The other individual will accommodate you if they believe this is your first flight.

Before you pay for your ticket, if it was purchased through a travel agency or over the phone, ask for a window seat. Or, obtain your favourite seat by completing the online checkin process. Also, one must have general insurance coverage while travelling, and getting one may be done quickly and easily online by following a few simple steps. Buy insurance policy online and secure your travel and ensure yourself a happy journey.

Click HERE to buy insurance policy online.

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

Have you ever attempted to start a cold engine? It will be challenging to start carbureted engines like those found in motorcycles. Choking will play a crucial part in this. A motorcycle choke can act as an excellent tool and a saviour in a situation where you struggle to start your bike by the conventional method.

Let’s understand how choke functions and how you can use it optimally.

What is a motorcycle choke?

The choke is a crucial component of bikes with carburetors. The air-fuel mixture is composed and fed to the engine mechanically or manually in motorcycles with carburetors through the choke.

A motorcycle choke is basically a pulling lever fastened to the carburetor. It can be mounted on the front panel, the handlebar, or both, but it remains connected to the carburetor via a cable. Wherever the lever is positioned, it instantly operates a carburetor valve and the entire choke assembly.

Role of a motorcycle choke.

Pulling the choke lever out to start a cold engine was once considered necessary, especially in the morning. You might not need it as regularly during summer, but in winter, it is occasionally required to lift the lever each time the engine starts. The choke lever increases the fuel ratio in the air-fuel combination immediately.

In a carburetor, the choke lever opens or closes a valve or gate to regulate the air or fuel that goes into the mixture. This aids the engine in gaining enough power to make the bike ready to use.

The choke's failure warning signs.

Several typical indications of a failing choke are listed below:

● Difficult start

● Excessive smoke produced after the engine has started

● The engine stalls after starting

Even though the choke is working, if the engine is difficult to start, there may be a problem. Either the choke is not closing all the way, or the fuel is being cut off. Check if the choke opens and closes effectively because excessive fuel utilisation is another effect of a broken choke.

Excessive fuel use will also result in smoke from the exhaust pipe. The engine's continued operation demonstrates the choke's effectiveness when engaged. The linkage could be incompatible if the choke is not working correctly.

How can choke longevity be guaranteed?

The constant usage of the choke can result in its wear and tear over time. The choke wire may also become ineffective if it is not used frequently.

To ensure longevity, keep the following in mind:
1. Access the area where the cable attaches to the choke plate.

2. Spray the cable and open the choke to get the lubrication into the joint. If done repeatedly, it increases the choke's lifespan.

3. Keep the air filter and carburetor clean to avoid pressure on the engine. You can use spray cleaners to help if you do not feel like removing the carburetor and cleaning it.

The choke requires low maintenance but might deteriorate more quickly if used frequently. Pay attention to how the engine starts and idles because it may indicate a choke issue. Make sure to empty the fuel from the motorcycle before putting it away for the winter to avoid clogging the fuel system.

When the engine is cold, it is more challenging to burn fuel. The choke enables the supply of an ideal air-fuel mixture that results in combustion and aids the bike's engine in drawing power. To avoid unexpected repair expenses to vent your pocket, invest in reliable insurance from the best motor insurance company in India.

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

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

You can create great abs without complicated equipment or expensive gym subscriptions. A few square feet of the floor is the only actual space required. According to workout suggestions, we've combined some tried-and-tested exercises to identify the finest abdominal workout you can perform in the convenience of your own home. However, you're mistaken if you believe it'll be lenient with you.

The tough three-circuit superset that follows this intense workout is made to target all your stomach muscles to give you those perfect-looking abs. Are you able to handle it? Here is the workout you'll be doing if the answer is yes (which we hope it is). Instructions for each move are provided below.

1. Straight leg lift:
Your hands should be at your head or sides as you lay on your back. Raise your feet as high as possible while maintaining a straight posture with your legs together. Keep your lower abs contracted as you sluggishly take a step back to the starting position. Perform 10 repetitions of this exercise with a gap of 10 seconds between each repetition.

2. Weighted crunch reaches:
Hold a dumbbell with your arms straight over your chest while lying flat on your back with your knees bent. Crunch to the top of the movement, pause, and lower to the beginning

3. Weighted sitting Russian twist:
Hold a dumbbell out in front of you as you sit on the ground with your knees bent and your feet lifted. Twist to one side, then the opposite, and finally, come back to the centre. Throughout, try not to let your feet touch the ground. Perform 10 repetitions of this exercise with a gap of 10 seconds between each repetition.

4. Weighted sit-ups:
These are one of the most effective exercises to develop abdominal muscles. Lie flat on the floor with your arms straight and hold a weight plate above your chest. Follow the traditional leg sit-ups and bring the weight plate above your head as you rise and then gradually lower back to the floor in a rhythmic manner. Focus on your breathing while doing this exercise.

5. Mountain climber:
Commence by performing a press-up. Draw one leg up and cross it across your body to the opposite elbow without allowing your hips to drop. As you start again, switch to the other leg and repeat. Keep the repetitions controlled yet quick.

More ab exercises:
If you want to get a six-pack, keep your workouts interesting. As a result, having a variety of abs exercises is beneficial. Here are a few additional choices you can consider.

Upper, lower, and oblique circuit training:
These three exercises are the best abs workouts because they work your abdominal muscles from different angles. This way, you can be sure that no muscles are left out. Although the exercises don't include weights, you will need a pull-up bar to perform the hanging exercises.

At-home abs workout:
The only piece of equipment required for this exercise is a dumbbell, which doesn't have to be particularly heavy because you'll be performing several repetitions of each exercise to maximise the time your muscles are under tension.

While maintaining a regular exercise routine is a good idea to develop perfect-shaped abs and a fit body, everyone should also invest in health insurance. Depending on the plan, online health insurance companies offer the insured a variety of health benefits for an attractive premium. You can select the best-suited plan from numerous online health insurance companies and protect yourself and your family with a comprehensive safety net.

Click HERE to buy health insurance from the best insurance provider.

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 talk about travel, everyone likes to get some discounts and save money on expenses. You can save on many things, like a flight, a place to stay, food, insurance, car rental, etc. Always remember that an insurance plan is essential as it helps cover many things, like your flight getting cancelled or your baggage being stolen. Buying general insurance India is a prudent practice when planning your trip

Here are some valuable suggestions which help you reduce travel expenses, irrespective of the destination. Travel smart with our nifty tips!

1. Compare flight tickets online:
Nowadays, comparing fares of different airlines has become convenient online. You can browse a third-party site on your browser, type in your location, destination, and return trip, and instantly get the list of available airlines. Book your ticket 4 to 5 months before your departure, as booking at the last minute can be costly.

2. Try to travel by train:
Train travel is slower than air, but it can save you a lot of money. Book your train tickets online to access different options and avoid paying any commission to the agents.

3. All you need to do about your luggage:
You should know that checked-in baggage fees can add up, especially when you travel by air. Try packing a single carry-on luggage, and you can avoid wasting time checking in and picking up luggage during transit or when you land at your destination. Also, you may buy online general insurance India before your journey to cover the loss or theft of bags and avoid the fear of losing your baggage.

4. Get the best hotel deals:
Most people go for big hotel brands, which ensure a luxurious stay, but there are several charges for amenities you might never consider using during your trip. Overbooking also makes these hotels expensive and crowded.
Opting for affordable hotels that provide excellent amenities and hospitality is a smart way to save money. When planning your trip, you can research and compare the budget and facilities of different hotels through different online hotel booking portals.

5. Book activities ahead of time:
Most people mistakenly buy tickets for museum entry, park admission, and other activities on the spot or when the prices rise due to too much demand. Book tickets for such activities before you visit them and avail yourself of discounts and rewards. You can also get a group discount if you are travelling in a group.

6. Use rewards programs:
Joining rewards programs offered by airlines and hotel chains can help you snatch some fantastic deals. If you plan to visit multiple cities during your trip, book your first hotel and use your accumulated points to book the next one at another destination.

*A smart tip to save more on your transportation
When visiting a new destination, search for the available public transport in that city and book them in advance if you plan to explore the location during the busy season. Don’t be afraid to ask the locals about transportation & the best places to be & eat. This helps save money and explore the city in & out from the view of a local!

Follow these tips to plan a perfect trip without putting much strain on your pocket. Get good general insurance India that covers several things. Look for special coverage in your insurance if needed. If you smartly know how to use online resources, then you’ll successfully execute budget-friendly trips almost every time.

Click HERE to buy general insurance India

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

A maternity health insurance offers financial support for childbirth. It pays for a hospital stay for a natural birth or a C-section. The insurance covers the delivery and baby care up to a certain number of days in the hospital.

Purchasing maternity insurance online offers the following advantages:

1. Time-saving and hassle-free buy.

2. A quick-click option to compare insurance policies.

3. Online promotions like coupons, points, etc., one can save money while making a purchase.

4. There are no agent commissions because insurance companies or aggregators also sell products online directly. As a result, online maternity insurance is less expensive.

5. You can purchase the maternity insurance plan from the convenience of your home or workplace.
 

Terms and conditions for maternity insurance:

1. The maternity benefit will expire along with the base plan.

2. India's Insurance Regulatory and Development Authority has set rules to change the benefit amount.

3. Maternity insurance benefits are available only in India.

4. The claim will be paid out in Indian rupees.

5. There will be a set number of days of waiting before one can use maternity benefits

Add on covers for maternity insurance:

The maternity insurance itself is available as an add-on to the base plan. The basic plan is regular health insurance coverage that provides financial protection in a medical emergency. It pays for hospital bills as well as other healthcare-related costs.

Maternity health insurance eligibility requirements:

● The exit age has been set by certain insurers at 45 years of age, with the entry age being 18 years.

● Some insurance providers allow the maximum number of maternity claims for two children. If you lose something, there can be exceptions.

Required paperwork to support a maternity claim:

● ID verification and a discharge summary

● A claim form, a health insurance policy

● Pre-authorisation document for claims involving cashless payments

● Prescriptions for drugs and other products

● Any other paperwork that the insurance provider may ask

What is the procedure for filing a claim for maternity benefits?

Cashless claim:
For a cashless claim, the birth must occur in a network hospital. The insurer must be aware of the claim at admission to a network hospital. The policyholder only needs to pay a small amount toward deductibles after the claim is authorised, and nothing further is necessary. The insurance provider will handle all additional costs immediately.

Reimbursement claims:
For such claims, the policyholder is not required to receive treatment at a network hospital. You may use any hospital of the insured's choosing for delivery. To file a reimbursement claim, the policyholder must maintain a record of all relevant paperwork and invoices

Why should you purchase maternity health insurance?

1. Financial support:
In some regions of India, the cost of giving birth and having a baby can range from 50,000 to 100,000 rupees. One can assume that if a woman buys pregnancy insurance, she and her baby will have access to better medical facilities with the support of maternity health insurance.

2. Surgical deliveries are expensive:
Natural birth can be hard on both the mother and the baby, which is why a surgical or cesarean delivery is sometimes needed. In this situation, the baby is delivered by major abdominal surgery. A natural delivery is substantially less expensive than a cesarean section. The mediclaim policy with maternity coverage may pay for these expenses.

This add-on of health insurance ensures peace of mind for the parents. Once the cost of a maternity cover is offset, expecting parents may concentrate on savouring this significant life event. You can make plans for the baby's name, nursery design, baby welcome celebration, and much more with a clear head. Consider purchasing this useful and efficient add-on cover to make your parenting time more memorable and stress-free.

Click HERE to buy the health insurance policy for new 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.

Travelling by car is one of the most exhilarating experiences that you can have. It is fun with friends, family, or even your partner. It adds to the charm of the journey and makes everything all the more exciting. However, owning a car can be a hassle in itself. You need to have enough money to purchase and regularly maintain it.

Renting a car is one of the prevalent alternate options for hassle-free driving in India. You can easily rent a car in India for a weekend getaway, road trip, or family emergency.

But what happens if any damage is done to the rented car? Well, that's when the Collision Damage Waiver comes into play. If you do not know much about it, this article will help you navigate it. It is like private car insurance India for your rented car. Let's find out more about it.

What is a Collision Damage Waiver?

As the name suggests, the Collision Damage Waiver protects your rented car if a collision occurs. This is an insurance cover that is easily bought with a rented car. You will be waived off all the damage fees or compensation when a collision occurs. However, every insurance company must have different terms and conditions for this coverage. You should read them carefully before you buy a Collision Damage Waiver.

Although renting a car in India is easy, simple, and reliable, most details are still unknown to the general public. One such detail is insurance coverage. It is crucial to always opt for private car insurance India for your rented car. This will protect you from the extra fees or bills you need to pay in case of a collision.

Imagine this hypothetical situation. You are driving an extremely narrow or hilly road with your friends, and you fail to see a coming vehicle and lose control of your car. This may cause you to hit your car on a pole or tree, leading to several dents and damages to the rented car.

Now, what will happen in case you have a Collision Damage Waiver?

What is covered under the Collision Damage Waiver?

Several things are included in the cover of your rented car under the Collision Damage Waiver or CDW. These are:

● Damages or dents to the rented car

● Theft or loss of the rented car

● Towing the rented car to the nearest garage

What is not covered under the Collision Damage Waiver?

Before purchasing the insurance cover, you should also have a brief idea about the things not included in the cover. These are:

● Violation of traffic rules and the damages caused due to that

● Damage to third-party properties

● Damage to other people

● Any damage to the things present in the rented car like gearbox, wheels, windshields, etc.

Renting a car is a growing norm among the new generation. You can easily rent a car for yourself with a single click. The whole process is available to all without any hindrances. However, you must consider all the possible options before you buy the Collision Damage Waiver for your rented car. It has many benefits that can save you from paying the bills of damage to the car. It is recommended to always be on the safer side and purchase private car insurance India coverage in advance before you use the rented car.

Click HERE to buy reliable private car insurance India for your rented 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.

We can all agree that having difficulties starting a motorcycle is an unpleasant experience. Even though motorcycles are relatively basic machines, it can be challenging to identify the problem preventing them from starting.

Before starting up, the first task, which is sometimes overlooked, is to bring your bike to an open place. Your bike's startup process will depend on how long it has been standing, which may result in smoke. It is advisable to wait till the thermostat turns on the radiator fan before starting the engine. Let your air-cooled motorcycle run until you can feel the warmth emanating from the engine.

Let's examine any issues you might have with your two-wheeler failing to start.

1. Defective or dead battery:
The bike's electrical system depends on the securely mounted battery. When a twowheeler has just an electric start, the battery is the only power source for the starter motor. The motor, which requires a high voltage from the battery, can only be started if the battery has enough charge.

2. Blown-out fuses:
Blown fuses will make the motorcycle sound normal when you try to start it, but it will spin endlessly without producing any power. Even if you try to spray starter fluid into the carburetor, nothing will change since the fuse cannot send a spark to the spark plug, causing it to ignite. A blown-out fuse typically indicates a defective grounding wire somewhere.

3. Preventing the intake or exhaust:
A situation that causes starting problems is a blocked airbox or muffler exit, which can happen for any reason. Therefore, you should also check your bike's intake and exhaust systems to see whether they contain anything unwanted blocking their way.

4. Put the side stand up:
A few newer bikes may not start when the side stand is down. Your motorcycle may contain an internal code and other sophisticated sensors that prevent the ignition from turning on if the kickstand is in place.
Check to see if your bike has a side stand sensor and if it does, and the bike still won't start, examine if the switch down there is in good working order. If it's not, the bike side stand sensor might have a fault. Get this problem checked at an authorised service centre.

5. Injector clogged:
A clogged injector will attempt to turn over normally when you try to start your motorcycle, but there won't be any combustion. A clogged fuel injector is likely to blame if you are certain that the spark is occurring properly, there is gas in the tank, but still, your bike isn't starting. Fuel injectors should be checked regularly. They should be cleaned or replaced if they appear soiled and clogged.

6. Defective spark plug wire:
Motorcycle riders are accustomed to loose spark plug wires, which might happen due to jerks. To solve this issue, you don't need to visit a mechanic. Unplug and replug the connectors before starting the motorcycle again.

7. Not properly engaging the clutch:
When starting your motorcycle and the transmission is in gear, you must pull the clutch lever correctly. The clutch occasionally fails to engage properly and causes a starting issue. Put your transmission in neutral and try again in this situation.

Checking a few things off your pre-trip list helps you overcome the ignition issue of your motorcycle. Other times, a thorough overhauling is required before you get stuck on the road, in which case you must seek professional assistance. Following these procedures will help you identify the issue and arrange for the necessary repairs. Additionally, it is prudent to have 2 wheeler insurance online to acquire comprehensive coverage for damages to your bike and be stress-free regarding its repair and maintenance expenses

Click HERE to buy 2 wheeler insurance online.

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

As the world revolutionises and turns towards more eco-friendly options, the emergence of Electric Vehicles, or EVs, has also come to the limelight. They are not only cost-effective but a good eco-friendly riding option. They help in the reduction of harmful gases in the atmosphere. It keeps the balance of the environment intact. This, in turn, helps maintain the balance of global warming. The Indian Government has also prioritised shifting all vehicles plying on Indian roads to electric vehicles or EVs by 2030.

To make this possible, a lot of steps have been taken. The government wants to make EVs affordable, usable, and accessible to all. Are long charging hours stopping you from buying an EV? Batteries make up 40-50% of the cost of every EV right now. Additionally, battery charging can also take long hours. Hence, battery swapping was established as a plausible solution.

The battery-swapping policy was introduced in the 2022-23 budget. Let's find out more about it.

What is the new policy of the Indian Government?
The Indian Government has released a new policy focusing on two and three wheeler vehicles with electric-powered engines. The main purpose behind the policy introduced by NITI Ayog focuses on swapping the batteries instead of charging them. It is not only cost-effective but also ensures good time management.

How is swapping batteries better than charging?
There are a variety of merits that you can derive by swapping the batteries instead of charging them. These are

● Time management:
It is a known fact that charging batteries can be an extremely tedious process. It takes approximately an hour or more to charge a battery completely, which can be a waste of time if you are in a hurry. Instead, if you swap the battery, it will only take you a few minutes. It is because the batteries will already be charged.

● Space management:
The chargers that are present at the charging stations are furiously slow. Moreover, they can only charge one vehicle at a time. Instead, if you swap the batteries with a pre-charged one, you need not wait for your turn to charge. All the discharged batteries can also be charged once and used when ready.

● Cost-effective: Batteries can be costly, which limits the consumers to buy an EV. With the swapping of batteries, the batteries will be available on a subscription basis. This was done to make batteries and EVs affordable to all.

● Less anxiety:
One major issue with EVs is running out of charge before the destination. If the battery swapping stations are set up successfully, this will not be an issue anymore. You can easily swap the batteries in minutes and go to your destination without hassles.

These are some clear pointers on why battery swapping is a game-changer for EVs. The Government is trying its best to establish EVs as the future of India. We should also do our share in making the world free from pollution and carbon emissions. With methods like battery swapping, EVs can be more accessible and affordable. Make sure to buy car insurance policy online to keep your EV safe and sound. Contact your insurance provider to understand the terms and conditions better while covering an EV.

Click HERE to buy car insurance policy online for your EV.

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.

RT-PCR Means Real-Time Polymerase chain reaction. RT-PCR one of the type PCR which the RNA template is first converted into a complementary DNA (cDNA) using reverse transcriptase. The cDNA is then used as a template for exponential amplification using PCR. Enabled sample amplification and eliminated the need for abundant starting material required when using northern blot analysis.

RT-PCR has been used to measure viral load with HIV and may also be used with other RNA viruses such as measles and mumps.

Advantages of real-time PCR test-

1. Amplification and detection occur in a single tube, eliminate post PCR manipulation.

2. An increased dynamic range of detection.

3. Ability to precisely measure the amount of amplicon at each cycle which allows highly accurate quantification of the amount of starting material in samples.

4. Ability to monitor PCR reaction in real-time.

Real-time PCR steps-There are mainly 3 steps involved in real-time PCR Reaction. Reactions generally run for 40 cycles -

1. Denaturation-High temperature incubation is used to melt double standard DNA into single standard DNA and loosen secondary structure in single standard DNA. The highest temperature use for Denaturation is 95 degrees.

2. Annealing-Complementary sequences have an opportunity to hybridize.

3. Extension-At 70-72ºc the activity of the DNA polymerase is optimal, and primer extension occurs at the rates of up to 100 bases per second.

TWO STEP qRT-PCR-Reverse transcriptase PCR (qRT-PCR) starts with the reverse transcription of either RNA or poly (A)+RNA into CDNA.

ONE STEP QRT-PCR-First-strand cDNA synthesis reaction and real-time PCR reaction in the same tube, simplifying reaction setup and reducing the possibility of contamination.

WHAT IS RT-PCR FOR nCOVID-19

The Health Ministry has announced that the real-time reserve transcription-polymerase chain reaction or RT-PCR is the gold standard frontline test for COVID-19.

One is more accurate called RT-PCR which is extracting RNA from the nasal or mouth swab. Because of Genome sequencing technology, we have the sequence of SARS-COV-2 and RNA of the swab is checked whether virus and RNA share the same sequence. Because of proper research and Genome sequence projects going around the world, RT-PCR tests are considered more accurate and reliable.

DISADVANTAGES OF RT-PCR-

RT-PCR Technology is a relatively expensive method. It requires RNA extracting machines, a laboratory and trained technicians. Minimum of 30 samples is needed to make it economically viable.

Two-wheelers are the most convenient mode of transport in India. They are budget-friendly, easy to handle, and come with multiple features and various designs. This makes them a popular choice amongst Indians to travel on narrow, inadequately maintained roads with constant traffic due to poor driving etiquette.

While vehicles are no longer designed to fit the fancy of a specific gender, it is easier for women to choose the suitable model, manoeuvre it and ride on the road.

If you are a woman or even a beginner looking to buy a new two-wheeler, here are some features you should look for to find your perfect ride.

1. Budget:
It is only possible to purchase after deciding the budgeted expenditure. Keep in mind the expected utility, life of the vehicle, and additional expenses of fuel, maintenance, and insurance while fixing a budget. With the plethora of options available, it should not be difficult to find a 2-wheeler within your budget, which can range upwards from ₹50,000. However, fixed expenses like 2 wheeler insurance online and servicing are additional costs that are often overlooked.

2. Build and size:
Of the multiple brands in the market, it is challenging to differentiate between models since they are built similarly. Riding comfort is highly dependent on the size of the two-wheeler. Make sure to sit on a stationary model and check if your feet touch the ground, which is a must in situations where sudden brakes are to be applied.

3. Vehicle weight:
Choosing a two-wheeler heavier than you can handle is the worst mistake a rider can make. A test ride and a general inspection will make you aware of its weight and your capability to handle it. By ensuring you can control its weight, you can prevent accidents, put the vehicle on and take it off the centre kickstand easily.

4. Mileage:
Two-wheelers usually provide a mileage of upwards of 35 kmpl. The higher the mileage, the greater the value derived. The advertised mileage is to be considered only when driving on highways. For congested cities, most two-wheelers provide a 35-50 kmpl mileage.

5. Engine capacity:
The power of the engine or engine capacity determines the fuel efficiency and smooth running of the vehicle. Scooters with an engine capacity of 110cc to 150cc are popular for city rides or short-distance travel for women to work and visit the supermarket.

6. Storage capacity:
Unlike a car, a two-wheeler is relatively compact, providing less storage space underneath the seat. Usually, the under-seat storage accommodates a helmet and a few other things. Presently, the largest under-seat storage available is 32 litres. While no additional designated storage space exists, you may have a top storage box fitted at your back seat.

7. Auto start:
Just like automatic transmissions are preferred over manual transmissions in cars, a two-wheeler can have a kick-start or an auto-start. Auto-start is a convenient way to start the two-wheeler by engaging the brakes, accelerating, and using the auto-start button. Kick-start requires physical effort to run the vehicle and is generally not preferred. However, purchasing a two-wheeler that provides both options is best in case one of the mechanisms fails.

Considering the ease of riding a two-wheeler, it is accessible to women of all ages in different economic strata. By following traffic rules diligently and purchasing the best-suited two-wheeler along with 2 wheeler insurance online, you can ensure safe driving and fewer accidents and allied financial burdens.

Click HERE to buy 2 wheeler insurance online.

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

As per the Motor Vehicles Act, every vehicle owner in India is legally required to purchase insurance. It is a compulsory prerequisite that serves as a preventive mechanism to protect the owner from losses from accidents and damage to the bike. Despite the mandate, many two-wheeler owners shy away from purchasing a policy due to the lengthy process and inspection.

While it may seem like an additional step in the process, inspection is an essential part of the conventional insurance procedure that makes the insurer fully aware of the bike’s condition before accepting to insure it. However, two wheeler insurance online India has become a popular and convenient alternative that facilitates comparison between different policies and allows one to skip the inspection altogether.

Why is an inspection necessary?

Buying an insurance policy is a prudent move on the owner’s behalf. It protects them from any financial losses due to accidents or damages. However, insurance companies also require comprehensive information about the insured vehicle. A physical inspection helps identify the present state of the two-wheeler and whether it complies with Government issued legal guidelines.

The process scrutinises the physical condition of your bike and its documents like PUC certificate, service records, etc., to prevent insurance fraud. This helps the insurer gauge its value and expected life, which helps determine whether they should insure your vehicle and the premium amount.

The inspection may also discover unnoticed issues with your vehicle that you can resolve before it leads to an accident.

Is inspection before insurance mandatory?

Although important, inspection is not a mandatory process. If you buy two wheeler insurance online India, you can skip the inspection by providing basic details of your twowheeler on your preferred insurance company’s website. Usually, it takes a little while postapplication for them to send your bike insurance policy.

Requisites for an inspection-less insurance.

When applying for two wheeler insurance online India, you may notice that different insurance providers have different procedures. While some may use factors like brand, period of use, model, etc., others may only ask for registration details. Typically, the process involves declaring details such as:

● Period of use

● Place of registration

● Record of previous claims

● PUC certificate

● Vehicle registration number

● Maintenance records

● Previous policy details

Circumstances when an inspection is unavoidable.

While two wheeler insurance online India is convenient, requires minimal effort, and eliminates the need for inspection, in some situations, it is inevitable to go through a check, such as

● When your previous policy lapses:
2-wheeler owners need to renew their insurance before the policy lapses or the 30- day grace period expires. During this time, when the vehicle is not insured, accidents or damages may have gone unrecognised, due to which insurers compulsorily inspect the vehicle before approving its insurance.

● When modifications are made:
Ideally, the vehicle should be left untouched without any aftermarket modification to its factory-fitted components. When modified, it becomes necessary to inspect the 2-wheeler to ensure that the additions do not adversely affect the basic functionality of the bike, which can lead to mishaps in the long run.

● When the 2-wheeler is second-hand:
Second-hand vehicles, while being cheap, are essentially weathered vehicles. They possess greater risk than new bikes and therefore need to be inspected after the ownership is transferred before altering the existing policy or purchasing new insurance.

● When the 2-wheeler has been in a recent accident:
For vehicles that have recently been in an accident, it becomes necessary to survey the extent of damage to determine its cost of repairs, current value, and insurable value.

Two wheeler insurance online India is a hassle-free way of protecting your 2-wheeler without having to go through an inspection. By following the general guidelines for safe driving and renewing your policy in time, you can easily avoid the inspection procedure

Click HERE to purchase two wheeler insurance online India.

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

Preferred amongst different economic strata, scooters and bikes help manoeuvre through tight-packed traffic and poorly maintained roads with precision. However, the lack of an effective safety system makes them a risky option, so buying the best two wheeler insurance in India is necessary to protect your two-wheeler against damages and allied losses.

While damages from accidents and maintenance costs of the 2-wheeler are covered by insurance, does the same apply to its additional fittings of glass, fibre, silicon, etc.? Read on to find out if such depreciable parts are covered by your two wheeler insurance policy.

What are depreciable parts?

With consistent use, the value of any vehicle is bound to depreciate. In two-wheelers, the primary function is served by the engine and mechanical parts. However, there are smaller parts made using relatively weaker materials, like silicon, rubber, etc., that inevitably depreciate sooner

Are depreciable parts covered under comprehensive insurance?

A third-party insurance policy is often lacking to provide coverage for depreciable parts. You may have to purchase an add-on cover for several of its excluded items, and depreciable fibre parts are one of the many partial exclusions. Generally, two wheeler insurance only partially covers the repair and replacement costs of the depreciable parts alone. Instead, they cover a marginal percentage of the expense, leaving you to shoulder the burden of the rest of the amount.

The general depreciation cost percentage.
Most two wheeler insurance applies the following depreciated cost percentages on fittings based on their material:

● Fibre: 30%

● Glass: 0%

● Nylon, Plastic, Rubber: 50%

● Battery, Tube, and Tyres: 50%

This implies that the insurer assumes the above-stated depreciation rates to affect the part and only pays the depreciated cost percentage of the repair or maintenance cost. The remaining amount is borne by the insured, which is often a significant portion of the expense.

Additionally, the vehicle’s age also determines the following approximate rate of depreciation:

● Up to 6 months: 0%

● Up to 1 year: 5%

● Up to 2 years: 10%

● Up to 3 years: 15%

● Up to 4 years: 25%

● Up to 5 years: 35%

● Up to 10 years: 40%

● Above ten years: 50%

However, an alternative is available to ensure that your insurance provider bears the expense.

Zero Depreciation Add-on Cover.

In case you have a standalone own-damage insurance or comprehensive insurance, you are eligible to purchase an add-on zero depreciation cover for your two-wheeler. By purchasing this add-on, you can claim the entire cost of repairing or replacing depreciable parts from your insurer.

Check the inclusions of policies when comparing alternatives to find the best two wheeler insurance in India that covers fibre, glass, rubber parts, etc.

Exclusions under zero depreciation add-on. Even after purchasing the add-on to the best two wheeler insurance in India, there remain some exclusions that you will have to bear, including:

● Vehicles older than five years

● Costs of over two claims during the policy period

● Machine-driven breakdown damages

● Damages due to uninsured risks

● Depreciation due to general wear and tear

When to buy zero depreciation add-on. While it is a beneficial facility, consider purchasing a zero depreciation cover if:

● You own a limited edition or premium 2-wheeler

● You live in an accident-prone area with heavy traffic

● Your vehicle is not older than five years

● The cost of individual repairs of depreciable parts is estimated to be greater than the cost of the add-on

Depreciation is an inevitable loss of asset value. Although most insurance covers do not provide for expenses relating to depreciable parts, an add-on zero depreciation cover can convert your preferred insurance into the best two wheeler insurance in India.

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.

The cold weather in the winter is a welcome change in most parts of the country that usually experience blazing heat. While Central and Southern India witness pleasant climates with a slight nip in the air, the upper Northern part experiences snowfall. However, getting safely on the roads in vehicles is challenging due to the intense fog and constant snowfall.

Many people avoid driving, especially motorcycles, in snowy terrains. However, it is possible to safely ride on snow with the proper gear, technique, and tips. While following these steps can better prepare you to handle the terrain and climate, taking precautionary methods is the first step you cannot skip at any cost.

Ensure that you have active bike insurance, or renew your bike insurance online to get the best quotes and compare policies from the comfort of your home. Now that we've set the base, here are some steps you must follow to guarantee a comfortable motorcycle ride in the snow.

1. Get your riding gear right:
Not having the essential requisites gear can invite discomfort and troubles for the rider. After taking the necessary steps to buy or renew your bike insurance online, check your riding equipment. While a helmet is all that is mandated in different climates, you need to be prepped for enduring the harsh cold.
Ensure that you wear adequate layers of well-fitted insulating barriers. The outermost layer should be water-resistant but breathable. Gloves and ridged boots are other necessities during the winter.

2. Prep your motorcycle:
A quick wipe-down may be sufficient in other conditions, but you need to snow-proof your vehicle. Switch to all-weather tyres to ensure better grip, and check your bike's mechanics before each ride. This will expose any issues beforehand and prevent accidents on slippery roads. Anti-fog visors are an example of winter-centric riding essentials that can help manoeuvre over the snow.

3. Stay seated at all times:
Bike stunts can be risky at all times, so it is best to avoid them in uncertain conditions like snow. Follow basic protocol and do not overload the bike to maintain proper balance, and be able to take charge of the situation if the motorcycle begins to slip and slide.

4. Focus on posture:
Relaxed posture is key to maintaining balance even in normal conditions, but even more in snow. Ensure that your shoulders are pushed back and loose while keeping your elbows steady instead of holding them at a 90-degree angle. This has a direct impact on the control over the bike.

5. Pay attention to the road ahead:
While this may seem obvious, it is challenging to take a call when all that's ahead of you is snow. If it is snow with evident traces of a road underneath, ride straight forward. The snow will compress underneath the tyre and fill the grooves.
If there are some tracks in the snow, it may be best to ride on the untrodden path instead of exploring new trails. If you encounter wide tyre tracks that have left the snow in a slush, riding on the slush may be your best bet, as your bike's tyres will touch the road, providing grip. However, if you see signs of ice underneath, steer clear.

While these tips can help you keep your bike upright in the snow and reduce the risk of accidents, it is best to seek shelter in case of heavy snowfall. Ensure that you drive slowly and make decisions ahead of time, as it takes longer to break in the snow. Don't forget to purchase or renew bike insurance online that covers any accidental damages to your bike due to the adverse impact of the snow.

Click HERE to invest in bike insurance online for your two wheeler.

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 we all know that eating fresh fruits is good for our health, are you aware of the magical benefits of drinking papaya water on an empty stomach in the morning? Papaya water has vitamins, helps digestion, eases menstrual pain, protects the kidneys, and reduces headaches and arthritis pain. It also helps fight cancer.

Regular consumption of papaya water can do wonders for your body. Let's understand the detailed benefits.

1. Positive effects of papaya water:
Now is the time to add papaya water to your daily diet to lose weight. The high fibre content facilitates smooth bowel movement, avoids constipation, and keeps you fuller for longer.

2. Immunity booster:
Boost your immunity with a glass of papaya water. It provides 200% of the recommended daily vitamin C intake, enhancing immunity and resistance to various infectious diseases. Develop a habit of drinking it every morning and give your body the day's immunity shot.

3. Eyesight improvement:
To get a clearer, brighter vision, eat papaya daily, whether raw or ripe. Papaya water is highly suggested for kids with eyesight problems because it is a powerhouse of vitamin A. Additionally, it prevents older persons' age-related macular degeneration from progressing as quickly.

4. Eases menstruation cramps:
Papaya is well-known for its characteristics in reducing menstrual pain. In addition to controlling menstrual flow, the fruit's papain enzyme instantly relieves discomfort for ladies with unbearable menstruation cramps.

5. Reduces stress:
According to studies, vitamin C deficiency significantly contributes to extreme stress and mood changes. Papaya water is a natural stress reliever that helps control mood swings and restore hormonal balance.
The antioxidants included in papaya water help fight free radical damage, a significant cause of cancer. Breast, colon, and prostate cancers can all be avoided by drinking papaya water regularly.
Dead skin cells are removed by vitamin A in papaya water, giving the skin an immediate moisture boost and a healthy glow. The potassium found in the fruit acts as a moisturiser and dullness remover. To notice results, spread a thin coating of papaya water mixed with honey on your skin and wash it off after 15 minutes.

6. Removes suntan:
Papaya has several enzymes that help treat sunburn and lighten skin. To fight microorganisms and get an instant glow, blend papaya water with a small amount of fresh lemon water and apply it to your skin. You will notice a sparkling effect of tan removal.

7. Works as a conditioner:
Thanks to its enzymes, papaya water naturally conditions the skin. To keep the keratin levels in the hair stable and the scalp free of dandruff, combine it with equal amounts of olive oil.

Though papaya may be consumed in various ways, drinking it as water is largely preferred since it tastes better. With the many vitamins, minerals, and antioxidants that papaya contains, it is a gift from mother nature that can have a surprising impact on your well-being. Include it in your diet daily to increase immunity and combat severe health conditions. However, papaya consumption is not recommended for pregnant ladies, as it can cause uterine contractions and abortion-related complications.

Along these lines, always buy health insurance online India to keep a protective cover on medical expenses during any emergency. The expense of medical care resulting from a disease, illness, or accident is covered by health insurance, making you feel stress-free and offering comprehensive protection to your loved ones. So, consider this most significant opportunity to protect the entire family and buy health insurance online India with a wide range of insured possibilities.

Click HERE to buy health insurance online India.

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

Planning family vacations is a daunting task that requires lots of research, budgeting, and scheduling to ensure everyone's availability. While adults' travel options are virtually unlimited, a lot must be considered when you have kids in tow. The climate, accessibility, activities that engage kids, and safety provided by the destination are the usual criteria that parents look for while planning family vacations.

Regardless of the destinations you consider, you must pay attention to purchasing general insurance that covers accidents while travelling. Especially when travelling with kids, it is necessary to be prudent, for which we recommend checking general insurance online quote, which makes the process easier, comparable, and faster.

With the increased means of living and accessibility to foreign countries, there is an increase in outbound vacations. Of the myriad options available for outbound tourism, the European destinations are the most-liked of them. Europe offers charming sceneries, stunning architecture, bustling cities in contrast to the peaceful countryside, and local cuisines palatable to kids. Here is a list of ideal European destinations that make for the perfect family vacation.

1. Rome:
Italy experiences long summer months and short winters, giving tourists plenty of time to explore the country. May to September is the peak tourist season for visiting its beautiful beaches. We recommend visiting Italy between April to May when the weather is pleasant and not too hot. The Colosseum, Spanish steps, and Gladiator Lessons are some of the experiences your family will surely enjoy. The city's delectable gelato, pasta, collection of cheeses, and freshly baked items in bakeries should not be missed.

2. Paris:
Popularly known as the city of love, it is home to gorgeous monuments. However, the city accommodates kids and offers much more to keep them engaged. Jardin du Luxembourg, built by Napoleon, is a 23- hectare park offering activities like sailboating, pony rides, carousels, and marionette shows that will thrill your kids and make for a perfect day out coupled with a picnic.
The city also has several museums dedicated to art, culture, science, and architecture for indoor activities. A magical day at the Disneyland Resort will be the perfect end to your stay in Paris.

3. The Algarve, Portugal:
The Algarve is your best bet if you're looking for an adventurous vacation with plenty of bonding time. Visit its magnificent sandy beaches to lounge, marvel over the natural beauty of the Benagil cave, or participate in surfing, jet boating, or dolphin-watching boat tours. You can also enjoy off-roading, go-karting, and horse riding or visit Zoomarine, Slide, Splash, or Aquashow, some of the region's best water parks.
Considering the risky nature of activities despite the safety of the Algarve, it is essential to have general insurance for your family that covers any accidental mishaps that may occur. Ensure that your insurance covers travel accidents, or consider purchasing one by comparing the general insurance online quote offered by insurance companies.

4. Corfu, Greece:
The famous island offers adventure, expansive pristine coasts, multiple museums, and archeological sites, making it a perfect destination for a family vacation. If you are seeking to lounge and relax, the East coast resorts offer just that and a selection of the finest restaurants and fun activities within the resorts.
The western coast has shallow beaches and sea caves that are a must-visit for adventure seekers. Rent a car and drive around the island while exploring the ruins of castles, museums, and picturesque villages.

Europe offers several destinations that make for ideal family vacations. Valid documents and a passion for exploration are all you require to make the most of your next European family vacation! Get ready to make a plan this holiday season. Also, remember to look for general insurance online quote before you plan your trip.

Click HERE to get a general insurance online quote.

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

You might have felt tired and sluggish during the day, especially in the afternoon. This comes as a result of incomplete sleep. You may have been out for a party, a late-night movie, studying for some exam, or working on a presentation. The reasons can be many, but the result is always laziness and low energy levels throughout the next day.

What should you do to come out of this situation? Caffeine can be one solution, but it has a temporary effect, and an overdose can be harmful. A power nap can be blissful in such cases and can make you feel fresh and recharged. Let us go through some smart tips to practise the perfect power nap to revitalise yourself.

1. Appropriate duration:
A power nap is only to revitalise you rather than make you feel sleepy or dizzy and spoil the remaining part of your day. According to several clinical studies, the perfect duration for a power nap is 10-20 minutes. Anything lesser will not do the trick, and a longer power nap will have ill effects rather than a positive impact. You will start feeling sleepier and more irritated if you sleep more.

2. Time:
The perfect time for a power nap is after lunch but before 3 pm. A power nap after that will have a negative impact on your night sleep schedule. You will not be able to sleep properly, spoiling your next day.

3. Set an alarm:
A power nap is meant to be only for a short duration. Hence, use an alarm and set it to ring after 15-20 minutes of sleep. Otherwise, you may keep sleeping for longer and miss your essential work or spoil your routine for the remaining day.

4. Create the perfect environment:
The perfect environment for an instant and effective power nap is a dark, cool, and cosy room without any noise or disturbance. Such an environment signals your body that it is time to sleep and helps you relax. It will help you to take a nap quickly. Otherwise, you may end up trying to sleep forcefully, wasting your time, and still feeling sluggish.

5. Take coffee naps:
Studies suggest that even caffeine can help you achieve your desired power nap. Strange, isn't it? The effect of caffeine usually starts after 15-20 minutes of intake, say through a cup of coffee. You can have coffee, take your power nap instantly, and feel more refreshed and active by the time you wake up.
However, there can be a few disadvantages if you make this a habit. Caffeine can be addictive. It can hurt your memory performance, and you may start forgetting things after days of constant caffeine intake at a stretch.

6. Consistency:
Make your power nap schedule consistent to make it the most effective. Your body will get used to its time and duration. This will help you not oversleep and get refreshed and revitalised on time.

A power nap is an effective way to cure your sleep deprivation. It helps to boost your memory, attentiveness, and alertness while having a positive impact on your mood as well. You feel lighter, refreshed, and full of life.

Just like a perfect power nap is important to have much-needed rest and improved efficiency, a good health insurance policy is rewarding during a health emergency. You feel secure and do not have to worry about the sudden financial burden that an accident or medical emergency can cause. Hence, go for the insurance policy from the best health insurance company in India and lead a happy, stress-free life.

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

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

We all yearn for a trip with family and friends to rejuvenate ourselves from our routine life. This break is needed to remove all the stress and troubles, restore positivity and boost motivation. Planning such trips at least once a year and even more can help us cherish some rejoicing memories.

When we talk about memories, mentioning souvenirs is mandatory. They provide a glimpse of our journey, remind us of the fun-filled moments, and help us relive them long after travelling.

We all would love to keep these souvenirs right in front of our eyes at home, close to our hearts. Let us go through some of the best tips to decorate your home with travel souvenirs.

1. Pin it up:
Why stack up the beautiful postcards you purchased from your holiday destinations inside a cupboard? You can easily buy a soft board, hang it in your living room and pin up all the vibrant and mesmerising postcards you have on it. They will be a treat for your eyes every day you see them, and make sure you do not forget the lovely time you had.
Moreover, they will be a topic of interest and conversation whenever guests and friends visit your place. A well-arranged display of your vibrant postcards can act as a fantastic décor idea.

2. Use them on your bookshelf:
Small and vibrant coloured souvenirs can be a fantastic decoration for your bookshelf. You might read a book during your leisure time. Hence, these souvenirs will remind you of your vacation and be a treat to your eyes when you pick up a book to read in your leisure time.

3. Decorate your fridge:
Small magnetic souvenirs can be used as decorative pieces on your refrigerator. They will make your dull refrigerator door vibrant and buzzing with colours. Also, the souvenirs will remind you of the glimpses of the trip every time you open the fridge and help to lighten your mood.

4. Fabric as a travel souvenir:
Try buying small items made of unique fabric from your travel destination and use them in your house. They can be in the form of pillow covers, a scarf, a handkerchief, or even a dress or a t-shirt. They will act as lovely decorative pieces with purpose and use. Such works can make your home look colourful, bright, and welcoming. Also, such small pieces are usually inexpensive and convenient to carry.

5. Stones and rocks:
The next time you travel to any beach destination, remember to bring back local stones and rocks that are small in size but lovely to hold. You can also get sea shells from there. These pieces can work as beautiful decorative tools in your house.
You can keep a bowl full of beautiful rocks and stones on your centre table or dining table. You can decorate your home's main entrance with lovely sea shells. They will add a fresh variety to your home décor and make it look sporty and adventurous.

6. Wind chimes:
Buy good-quality wind chimes whenever you travel. They act as fantastic decorative pieces in your gallery and balconies. You can keep bringing new ones every time you travel and change your home décor frequently. Moreover, the mesmerising sound they produce can do wonders for your mood and senses.

Your home is about staying together and creating beautiful memories with every passing day. Travel souvenirs help you strengthen the bond of love and unity among family members by reminding the lovely moments you had together.

But your home will not be complete and secure just by decorating it. You should go for the best possible home insurance India and provide a secure environment for yourselves and your family members. Home insurance is like a security blanket that will protect it from any damage. Buy one today!

Click HERE to buy reliable home insurance India policy.

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

Every one of us tries to include as much nutritious food as possible to achieve a healthy lifestyle and stay fit and strong. To have proper nutrition in the daily diet, you should be aware of its various sources and the ideal intake of each type of food.

Let us go through a few interesting facts about nutrition that people aren't aware of.

1. Low-fat processed food is not healthy:
We often see propaganda and advertisements of artificially processed low-fat food to be healthy and nutritious without compromising on taste. This is a common myth. Most processed low-fat foods do not help in reducing weight. Also, they are unhealthy and do not help control or curb diseases.
Studies have shown that manufacturers use sugar and other preservatives, which can prove detrimental to your health and nutrition instead of benefitting you.

2. Fruit juices are high in sugar:
Since you were kids, you might have been told to drink a lot of fruit juice regularly as they are very healthy and a good substitute for eating fruits in raw form. You need to recheck this fact.
Fruit juices – apple, orange, or pomegranate, have high sugar content. You will be surprised to know that this sugar content equals any cola or soft drink you consume and is no better. Moreover, the packaged fruit juice that comes with the claim of having been made from real fruits is even more detrimental to your nutrition since they are made after removing wholesome fruit parts such as the skin and the pulp.
You can usually not eat three or four oranges in one sitting. However, a glassful of orange juice will contain the equivalent sugar of three to four oranges. Hence, consuming fruit juices frequently for your nutrition is not a very good idea.

3. The truth about weight loss supplements:
You often purchase over-priced weight loss supplements believing them to be helpful in your quest to lose weight. The truth is that these supplements hardly help us in doing so. They often prove inadequate for your nutrition and harm your body in several other ways.
The best way to lose weight is to increase your intake of nutritious food, reduce your calorie intake and stay physically active.

4. Calories are not everything:
You don't have to necessarily watch your calorie intake all day to lose weight and stay in shape. Having nutritious food high in protein can be a good calorie restrictor and help you to shed your excess weight.

5. Nutrition is more about control:
You often crave certain food and are willing to put in a good amount of effort just to get them. This usually happens with junk food that hardly has any nutrition and is unhealthy.
Junk food releases large amounts of dopamine in your body, similar to pleasure in your brain. Hence, the brain sends a signal to have more of such junk food. You start eating it more frequently and in much higher quantities than you can digest. Hence, eating junk food is more of an addiction for most people. Having nutritious food is more about controlling such behaviour and restricting junk food intake.

Nutrition should be at the top of our list in attaining a stronger inner self. Nutritious food is our passport to leading a secure and fit life that can keep us away from diseases and ensure our well-being.

A good health insurance policy is equally important to you, just as proper nutrition. You should compulsorily make it a part of your life as it will keep you secure and guarantee financial support in medical emergencies. Even if you have an active health insurance policy, always check its expiry date. Renew health insurance online and lead a hassle-free and protected life.

Click HERE to buy or renew health insurance online.

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

A car is usually the second most sought-after asset for any household in India after a home. Buying a car is not an expensive affair anymore as it is easy to get a car loan and repay it through a fixed monthly deduction from your account in the form of EMIs. But wait, there is more. You need to consider many other aspects than just the car's initial price.

You will incur many other expenses towards your car in the form of annual insurance renewal, fuel, maintenance, repairs, etc. You have to consider all these expenses while planning for a car.

Let us go through the best ways to manage your car financially.

1. How much to spend:
The first question that comes to mind while buying a car is how much to spend on it so that you are comfortable enough to meet the down payment, monthly EMIs, and other running expenses. You need to make a budget and jot down your monthly income on one side and current expenses, including other loan repayments, on the other side. It will give you a fair idea about how much spare money is left with you each month that you can spend on the car.
If the proposed EMI is more than the spare monthly money, you should go for a car of lower value. Understand that cars are meant to give us convenience rather than a financial burden each month.

2. Make a big down-payment:
Try to make a big down payment for your car, which will reduce your loan amount and ease the pressure on you to repay it in the following years. Also, you can bargain well for the interest rate when you seek a smaller loan.

3. EMI management:
Go for a shorter duration loan tenure. The longer the loan repayment period, the higher the interest you will pay on your car loan. By clearing your loan quickly, you will become the valid owner of your car much sooner and can sell it if you wish.
Once you have fixed the tenure, ensure you get all your EMIs. Missing an EMI will harm your credit rating. Poor credit rating makes it difficult for you to get a new loan from a bank or a financial institution for any purpose. Moreover, if you miss a few EMIs, the repossession agents will take away your car. This can be a major embarrassment for you and cause a lot of mental agony and pressure.
Your misery does not end here. If the lending institution auctions your car for a lesser amount than what you owe them, they will still come after you to get back this deficit.

4. Go for an extended warranty:
You often get an extended warranty with your car against some extra payment. This payment may pinch you initially, but it can be very useful if your car malfunctions during the warranty period. The warranty will cover the repairs and renewal expenses, and you will save a lot more than what you paid for the extended warranty.

5. Car refinancing:
After taking a loan while purchasing the car, you may find out that you are getting a better deal on repayment or interest from some other lender. In such cases, you can opt for a car refinancing facility. This will replace your existing car loan with a new one from another lender and help you save money.

6. Talk to your lender:
Sometimes it may become inevitable for you to repay EMIs due to financial constraints. In such cases, feel free to talk to your lender and modify your repayment schedule. After all, no lender wants to take the pain of repossessing your car and arranging its auction if an alternate payment schedule is available.

It is important to manage your car’s finance in the best possible way. You will enjoy a good credit rating from the agencies and save money by paying the lower interest on your car loan.

Car insurance is another way to manage your car financially. It will provide security and cover all expenses if your car gets stolen, has an accident, or gets damaged due to natural calamities such as a fire or an earthquake. Buy car insurance online India and save further on insurance costs right from the comfort of your home. It’s time to make the right investment to get the best returns.

Click HERE to purchase car insurance online India.

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

Accidents are the most common cause of neck injuries. If your neck hurts after a car accident or other event, it could signify a serious problem. It's essential to observe for signs of a severe injury that will take more time to heal.

Immediately get in touch with a doctor if you experience persistent and excruciating pain at regular intervals, even after taking adequate rest and medications. You may even contact a personal injury lawyer if another party is to blame for your accident. Your medical bills and other expenses could be covered by cash compensation.

Identification of a severe neck injury.

Minor neck pain is a common health condition. It can be caused by awkward sitting positions at work, physical strain, and other factors. This ache, though, quickly fades away with time or relaxation. Pain that is strong or persistent may indicate something more serious. A serious neck injury could lead to the following:

• Pain that shoots through your arms or legs, followed by numbness

• Pain that is severe or doesn't go away

• Difficulty in breathing

Severe neck injuries mainly result from slip-and-fall incidents. Avoid severe complications and get immediate medical attention, as it could be life-threatening.

Neck injury diagnosis.

Your doctor will assess the damage and pain following an accident. It frequently consists of these exams:

● MRIs

● X-rays

● The CT scan

● A blood test

Serious neck injuries and their types.

The following injuries can result from trauma to the head, neck, or shoulders:

● Herniated discs: After an unexpected accident, spinal discs may tear, bulge, or leak.

● Pinched nerves: During an accident, bones or tissue may push up against nerves, and excruciating pain may result.

● Neck fractures: While uncommon, broken necks can occur. A neck or spine fracture requires prompt medical attention.

● Spinal cord injuries: Damage to any part of the spinal cord can result in paralysis and other serious bodily alterations, including paralysis.

A sudden backward or forward force on the head can result in whiplash during an accident. Whiplash can be more serious, but it typically gets better with time and rest. More serious neck injuries from an accident may be hidden by whiplash. You could think your pain isn't that severe. The discomfort and signs could, however, worsen over time.

Following a neck injury: What to do.

You might be entitled to compensation if someone else has caused you a neck injury. By taking the following actions, you can defend your legal rights and create an injury claim:

● Inform the police or the owner of the property about your accident

● Document the accident site and any visible injuries with photographs

● If your injuries worsen, get in touch with your doctor

● Save all your medical bills and other proof of your injuries

● Contact a personal injury attorney to ensure you know your rights

Time can make neck injuries worse. Get admitted if your neck pain worsens and you start to feel numb, weak, dizzy, or like you can't control your bowels or bladder. When it comes to your neck's health, it is better to be safe. Accidents are unpredictable, and they occasionally pose a more significant threat. In India, many people are still conservative about purchasing accident insurance, even though it is just as important as other health insurance.

Don't forget that accident insurance can protect your family financially if you get into an accident that significantly impacts your life or leaves you permanently disabled. It would help if you looked for the best personal accident policy in India to keep yourself financially covered and focus more on recovering from the injury.

Click HERE to buy the best personal accident policy in India.

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

Expenses on medical treatments are usually unavoidable. All medical costs, from medications to various tests, require a considerable sum, which is an emergency crisis for most families. Healthcare costs can quickly cause worry, stress, and debt, but there are easy ways to avoid such situations. Health insurance is the best way to secure your finances. There are various types of health insurance in India for parents, partners, families, etc.

Thus, this guide will help you learn different tips to save money on medical expenses and stay in the best peace of mind.

1. Check the price of your healthcare providers and tests:
Healthcare costs differ a lot according to different providers. You can find healthcare providers' fees and extra facility charges with the cost estimator tools on your insurer's online portal. Compare the pricing and choose a more affordable option. It will make a massive difference in your pocket.

2. Know your health insurance plan:
One of the most beneficial ways to save money on medical costs is to know your health insurance plan. Carefully read your health insurance policy features and the expenses it covers. Examine whether you have a co-payment option requiring you to pay a deductible before your insurance starts to pay.
Check what and how much your health insurance in India for parents or family covers. Know the list of medications and test your insurance coverage, which can help you avoid unexpected expenses.

3. Know which medical services are free:
Per the Affordable Health Care Act, patients or people with insurance can avail of certain healthcare services for free until they are in the network. Such healthcare services are preventive services that help a person maintain their health, which may include:

● Blood pressure screening

● Vaccinations

● Diet counseling

● Depression screening

● HIV prevention medication

Some medical services are also free for children, such as eye tests, newborn blood screening, wellness visits, fluoride varnish, etc.

4. Opt for a top-up cover:
Avoid taking out an additional policy if you already have health insurance but are still looking for a higher-cost plan. You can take a top-up cover that will offer additional coverage you need with considerable savings on your insurance. However, you can do this by taking out critical illness insurance, saving money without compromising coverage.

5. Go for generic medications:
Generic medications are usually cheaper than prescription drugs. Getting generic medicines can help you save on your medical bills. But you must ensure that your health insurance plan covers your generic medication.

6. Take separate cover for your parents:
Usually, the amount of insurance in family floater cover is calculated according to the age of the oldest person. If you include your parents in the same insurance plan, it may increase the insurance premium. However, you can go for separate health insurance in India for parents, which can help you achieve savings.

7. Stay healthy:
Lastly, you can save money on medical expenses by staying fit and maintaining good health. It will help if you avoid alcoholic substances, smoking, and other dangerous things. You must invest your money in good things such as healthy food, regular exercise, staying positive, and a better sleeping schedule. You can also find a trainer who can help you exercise according to your convenience to maintain health.

Healthcare expenses can put a significant burden on your pocket. With the tips mentioned above, you can save considerable money. However, the best way to keep your money on healthcare expenses is by taking a health insurance plan with comprehensive coverage at an affordable price. Also, look for reliable health insurance in India for parents that fulfills your requirements to ensure the sound health of the entire family.

Click HERE to buy 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.

Purchasing a vehicle is a big decision. It takes lots of planning, comparison of available options, and budgeting to arrive at the final pick. This applies to both cars and two-wheelers. Despite being significantly smaller and cheaper than their 4-wheeled counterparts, the extensive options in the market make it a tough choice for two-wheeler buyers. The ultimate decision depends on the budget and purpose of purchasing two-wheelers.

While it is mandated to buy two wheeler insurance India before hitting the road, once the paperwork is ready, all that’s left is for you to enjoy comfortable rides!

But there is one more piece of information you need to be aware of, i.e., Motorcycle Break-In. Does break-in sound unfamiliar, or are you wondering about its need? We’ve got all your questions covered below!

What is the breaking-in period?

The breaking-in period lasts for the initial 800 to 1600 kilometres for which the two-wheeler is driven. In simple words, it is the period it takes to get the new motorcycle running at its smoothest and allow the rider to get used to the vehicle.

Why is it necessary to break-in?

Breaking-in may seem like an unnecessary classification of a period that you can do away without any consideration. However, how the bike is operated initially impacts its running in the long run.

When a motorcycle is produced and advertised for sale, it goes through strict inspections and quality checks that guarantee the end user of its useability and safety. The main component of the bike, the engine, is fitted with several small parts that glide together smoothly to result in a perfect performance. This is facilitated by the ideal compression ratio, which is only possible if the engine fuel does not spread over the engine walls. Breaking-in correctly ensures that the piston, valve, cylinder walls, and piston rings generate friction such that a tight seal prevents the leak of fuel.

The benefits of proper breaking-in can be summarised as follows:

1. Lower carbon emissions

2. Optimised fuel usage

3. Longevity of engine life
 

The don’ts of two-wheeler break-in.

1. Don’t ignore the manufacturer’s instructions and take the word of other self-proclaimed experts.

2. Steer clear from rash driving under the false pretext that it would benefit your engine. It will only accelerate wear and tear and make the bike risky.

3. It is legally enforced to buy two wheeler insurance India immediately upon purchasing the vehicle before it is used. Ensure that you do not start the process without insurance.

The right way to ride your two-wheeler in the break-in period.

The proper technique of breaking-in subjects the engine to different stress levels such that the components adapt to each other and develop friction between themselves to create the perfect seal that prevents fuel spills. If the manufacturer has provided instructions, follow them to derive ideal results. In the absence of such instructions, follow the below-stated steps:
● Identify a comfortable stretch that allows shifting speeds and gears. Empty roads or highways are ideal

● Stick to the max speed of 50 Km/h and strictly ride without a pillion

● Use at most 3/4 throttle

● Alter gears with increasing speeds and do so gradually

● Ensure gradual breaks or acceleration instead of jolts

● Constantly monitor your bike’s engine speed and pay attention to your gear engagement to prevent motor lugging

● Allow your bike’s engine to cool down every 30 minutes while breaking-in to allow it to retain its shape

You can ensure a perfect break-in by keeping the above points in mind and following the instructions in your two-wheeler manual. Before you start the process, ensure that you buy two wheeler insurance India to protect your bike against any damages.

Click HERE to buy the best two wheeler insurance India.

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

Health insurance in India covers the costs of hospitalisation, medicines, and doctor consultation fees that can arise from any illness, disease, or accident. It has become more of a necessity because of our eating habits, the lifestyle we lead, and the risks of accidents. Such insurance removes the sudden financial burden you may face due to an accident or the need for expensive surgery.

However, not all is good, even if we have insurance coverage. Here's what you should know about insurance while scheduling surgery.

1. Coverage and limit:
The cost of surgery depends on its type and complexity. While a knee-replacement surgery will cost us around 1.5-2 lakh rupees in India, a more complex surgery such as a bypass surgery can cost upwards of 5 lakh rupees. You should first consider the total insurance coverage you have, keeping in mind the type of surgery you plan to undergo.
Your insurance policy will only cover the policy amount insured. You will have to bear any additional cost incurred in the surgery over the limit prescribed by your policy. Hence, you should be financially ready and arrange the funds accordingly.

2. Waiting period:
Any insurer does not provide cover from the first day your policy starts. The insurance company prescribes a waiting period, after which they will start providing you with the coverage benefits. This waiting period is not specified by any government agency. It depends on the individual company and the illness.
For example, the waiting period for any surgery arising can range from 1-2 years. The waiting period can be as high as four years if you declare a serious pre-existing disease when purchasing the policy. The insurance company will not reimburse you for any surgery scheduled during the waiting period.

3. Surgery insurance plan:
Insurance companies nowadays provide specific "surgery insurance plans," too. You can buy such a plan in case you intend to schedule surgery in the near future. However, you should first check the list of surgeries that your policy will cover.
Next, make sure your sum insured is adequate to cover all the costs related to the surgery. This includes the cost of surgery, hospitalisation, medicines, doctor fees, etc. You should also confirm the waiting period and the exclusions under your policy and assure yourself that your surgery will be covered under it.

4. Cashless claim:
A cashless hospitalisation facility settles your hospital bill without having to pay any cash at the time of discharge. Insurance companies tie up with hospitals and directly settle your bill with the concerned hospital.
Whenever you plan to schedule surgery, make sure the hospital you choose is one of the network hospitals of the insurance company. You can enjoy a cashless treatment facility there. You will not have to worry about paying the hefty bills and getting them reimbursed by your insurance service provider later.

Health insurance in India is extremely helpful when planning a necessary and expensive surgery. It removes the stress of arranging immediate finance for the surgery when you are already reeling under the stress of getting it done.

You should always go for the best health insurance in India available in the market. Its terms and conditions regarding the coverage and payout must be clear. The insurance policy should act like your saviour in difficult times. It should not be an additional burden on you when filing the claim during surgery is delayed or difficult. Also, it should be economical to fade away your financial stress.

Click HERE to buy the best health insurance in India policy to keep you and your family safe from health adversities.

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 a significant emphasis on laborious work that yields marginal returns, there is no alternative to physical effort. As the intense nature of work causes accidents routinely, and the risk of mishaps continues, making personal accident insurance India is a necessary investment.

One of our body’s most overlooked and fragile parts is the nose. It directly impacts the facial structure and looks of a person. It is a very delicate structure made of two bones that can snap for multiple reasons, resulting in a broken nose. Identifying a broken nose is crucial at the earliest to providing proper medical attention and effectively performing aftercare.
Read on to learn about identifying a fractured nose, precautions, and best aftercare tips!

Causes for a broken nose:
It is essential to know its formation to understand the causes of a fractured nose. The two bones in your nose are located at the bridge where your sunglasses rest. They make the base of the structure and space for cartilage. Technically, the cartilage cannot break since it is flexible, which implies that a broken nose refers to a fractured nose bridge.

A broken nose bridge can be a result of various factors, including but not limited to the following:

● Sport injuries

● Automobile accidents

● Physical violence

● Slamming the face into inflexible objects

● Falling face first

Signs of a nasal fracture:

The nose has a significant impact on the look of your face. Therefore, a broken nose is quite easily identifiable. However, here are some signs that determine if your nose is broken:

● Shooting pain from the nose

● Bruising at the nose and under the eyes

● Slight crookedness of the nose when compared to its regular structure

● Sudden nosebleeds and mucus discharge

● Difficulty in breathing from either or both nostrils

It is best to get your nose checked, even if you do not notice any visible signs.

Can it be treated at home?
It is recommended to rush to the hospital to address the injury immediately. Waiting for the bleeding or discomfort to stop further complicates the issue. Do not consider solving the problem at home. Seek a medical professional’s attention immediately. Usually, personal accident insurance India covers the medical costs of the injury.

Medical procedure:
Depending on the severity of the issue, you may have to undergo a CT scan or an X-ray. A hairline fracture can be treated using some ice and painkillers. You may require surgery to realign the bones and antibiotics for severe issues. At the most, it should take two to three weeks for your nose to heal.

Aftercare:
Once the medical professionals have assessed the situation and taken appropriate steps to stop the pain, bleeding, or discomfort, it is vital to follow proper steps to make the treatment effective and heal your nose.

● Icing is recommended to soothe the pain, especially immediately after the injury. A cold compress using ice wrapped up in cloth is the easiest way to tend to the pain.

● If prescribed, make use of painkillers. However, do not act without the doctor’s approval and ask for medicines instead of self-diagnosing painkillers.

● Keep your head tilted up as much as possible. Avoid pressure on the nose caused by sleeping sideways or on your stomach.

● Avoid strenuous activities that can break your nose again until your nose heals.

A broken nose can be a painful accident to deal with. While there are no ways to prevent accidents, buying personal accident insurance India can help reduce the burden on you. Avoid distractions while doing a task that requires more focus. Be cautious always and prioritise your safety.

Click HERE to purchase reliable 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.

Sometimes you suffer a severe headache and feel like someone is whacking you in the head with a hammer. You, therefore, take a few painkiller medicines, and the pain quickly passes! That is the magic of pain relievers. They alleviate the discomfort so you can get on with your day.

Painkillers do come with a fair share of hazards and can have detrimental consequences on your body, especially when taken frequently. This post will review how painkillers go through the potential long-term impacts they may have on the body.

Effects of chronic painkiller abuse on the body:

You inhibit your body from naturally reducing pain when you use a painkiller medicine longer or more frequently than is recommended. By tricking your brain into believing it needs the painkiller to feel good, these medications cause your body to produce fewer "feel good" chemicals and endorphins.

The central nervous system suffers significantly from this frequent use of analgesics. As we've already said, some painkillers slow down the central nervous system to help block pain. However, too much of them can make it hard to breathe, slow down your body's reactions, and make you slur your words.

Painkillers have effects beyond how they affect your body's natural pain-relieving systems and central nervous system. Abuse and dependence on painkillers can have repercussions throughout your entire body, such as

1. Your liver:
Your liver processes and breaks down the medications you consume. When you misuse painkillers, your liver retains the poisons from these drugs, which can cause severe and fatal liver damage.

2. Your heart:
To experience painkiller effects right away, some people crush or inject the drugs directly into their bodies. But doing so results in the medicine going straight into the bloodstream, which impacts the heart. Abusing painkillers over a long period can result in major cardiovascular problems and risks of heart attacks.

3. Your stomach:
Even after taking painkillers for a day or two, stomach and intestinal problems can still develop. Abuse of painkillers can cause haemorrhoids, intestinal blockages, bloating, abdominal distention, and constipation.

4. Your veins:
Injecting painkillers for an extended period is fatal, especially if the needles are shared or not sanitised. Blood-borne infections, illnesses, and blocked veins can result from injecting painkillers drugs.

Once a person becomes dependent on a painkiller, there is no way to stop without going through withdrawal. Even though withdrawal symptoms don't last forever, they can include nausea, vomiting, trouble sleeping, aches and pains, irritability, and anxiety. If you or a loved one is suffering from a painkiller addiction, seeking immediate treatment is crucial because it's typical for people to overdose when attempting to relieve withdrawal symptoms.

How can you take painkillers more effectively?

• Before taking any painkillers, if possible, speak with a doctor

• Avoid taking painkillers for more than a few days straight

• To limit the risk of problems and side effects, start a new drug at the lowest dose possible

• Take the drug only as prescribed, never more. You can visit a doctor for the maximum dose or look it up in the drug information booklet

• Avoid giving others access to your painkillers

• Consult your doctor rather than taking more painkillers if the pain persists or gets worse after taking them

Most over-the-counter medicines are safe for treating mild to moderate pain. But these can also have negative side effects, some of which could be fatal, just like any medication. People who often use painkillers should speak with their doctor to ensure proper treatment and avoid any negative consequences.

With rising healthcare costs, access to high-quality medical care may become prohibitively expensive. Every citizen must sign up for a good health insurance plan in case they or someone they love gets a disease that could be financially devastating. Each insurance plan has a policy duration, and you can buy health insurance online. So, depending on the insurance company, your plan is valid for a particular period.

Click HERE to buy health 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.

The emphasis on health and preventive care has skyrocketed post-pandemic. People of different ages leading varied lifestyles have stepped up and are paying attention to their exercise, sleep, and diet to stay healthy. However, these measures are difficult to continue for undisciplined people or those with extremely hectic schedules.

For such people, it is best to adopt small measures that aid in the long run and only require spending less time on fulfilment. Such measures, supplemented with purchasing the best health insurance in India, are plenty to keep oneself stress-free about their health without stressing too much.

With India being the land of Ayurveda, what better way to enhance your health than following small health tips daily? One of the most strongly recommended activities is drinking water stored in copper vessels. Why? What are its potential benefits?

Read on to find a comprehensive list of benefits of drinking water in a copper vessel.

1. Promotes hydration:
Hydration is an essential part of a healthy lifestyle. Negligence can lead to severe complications in the long run. To drink water from a copper vessel, one must consciously store water overnight to gain its most benefits. This way, you can ensure that you are keeping track of your water intake and preventing future medical complications.

2. Prevents copper deficiency:
Copper is a mineral required by our body to function at its optimum capacity. Naturally, humans can only produce up to 1.4 to 2.1 mg of copper per kilogram of body weight. It is essential in red blood cell production, maintaining nerve cell health, and boosting the immune system.
Water stored in copper vessels carries the properties of the mineral, thereby preventing its deficiency. However, excess copper exposure may lead to poisoning and other illnesses. So be mindful of the intake.

3. Aids in battling cancer:
While it alone cannot ward off or eliminate cancer, it aids in eradicating cancer by acting as an antioxidant. It fights cancer-causing free radicals and even helps produce melanin, which protects the skin from harmful UV rays.

4. Improves thyroid functioning:
Water from copper vessels possesses the quality of balancing the improper functioning of the thyroid gland. If you suffer from copper deficiency, you may be suggested this as a measure to improve your thyroid gland's functioning. This can directly impact your metabolism and growth.

5. Helps with inflamed joints:
The copper produced in the body is stored mainly in the skeletal structure. If you suffer from weak or inflamed joints or arthritis, consider drinking copper-infused water to strengthen your skeletal system.

6. Antimicrobial properties:
Copper has significant antimicrobial properties, which can help prevent diseases by eliminating bacteria, viruses, or fungi that may have entered your body and compromised your immunity.
Since it has natural preventive benefits, it is highly recommended for seniors with weaker immune systems and joint pains. You must also look for the best health insurance in India for your aged parents and immediate family to protect them with a reliable safety net.

With many more benefits, it is highly recommended that people with copper deficiencies drink water from copper vessels. They make for better, cold, and sweet-tasting water, which is much better than water from packed bottles. Try such non-invasive, easy-to-follow tips that Ayurveda suggests, along with the best health insurance in India. Your honest efforts will help you reap the desired results in achieving a healthy lifestyle.

Click HERE to buy 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 was seen as a status symbol in the past. However, it has become a necessity over time. Considering the growing population, increasing traffic, and demand for luxury and convenience, cars have improved commutation in urban landscapes.

Most people spend long hours in their cars due to long-distance commutes. After completing the ride, remember a few items you should never leave in your vehicle.

1. Edibles:
It is natural to feel snacky during the day. Keeping snacks in your car for emergencies is a good idea, as long as you take them out when you exit the vehicle. When left for long hours, the food or drinks are subjected to the changing temperature inside the car, which may result in the growth of bacteria. The same applies to soda cans that have pressure within and may explode due to the external pressure from the car's cabin.

2. Aerosols:
Aerosols like hairsprays, deodorants, air fresheners, etc., are essentials. Keeping one in the car for short periods is acceptable. However, since the cabin's temperature keeps changing without artificial air conditioning when the car is not in use, you may find that your aerosol can has exploded all over your seats.

3. Plastic bottles:
Plastic bottles are a fire hazard to your car. It magnifies the sun rays pouring in through the windows or windshield and may result in setting your seats on fire. Such incidents are considered the owner's negligence and not covered by car insurance as admissible claims.
Even if the sun rays are not strong enough to ignite a fire, they will alter the composition of the plastic bonds in the bottle, which may result in harmful BPA exposure.

4. Flammable items:
Items like lighters must never be stored in cars. The fuel within such containers can expand due to the heat and result in a fire. Again, such fires are not within the scope of admissible car insurance claims. Therefore, it is essential to remember to remove flammable items from your car cabin.

5. Valuable goods:
While the other items on this list risk the car, valuable goods are what carjackers look for while determining which car to steal from. Ensure you take out any valuable goods like phones, headphones, portable chargers, laptops, and purses from your vehicle. Leaving an expensive item in the car makes it vulnerable to drawing the attention of burglars.

6. Items with specific chemical formulations:
Items like sunscreen and medication are scientifically manufactured with a specific composition of ingredients involving chemicals to ensure efficiency. Leaving such things in the heat will alter their formulation, making the goods toxic or causing a loss of efficacy.

7. Alcoholic drinks:
Heat leads to increased fermentation which ruins the flavour of alcohol. Additionally, alcoholic drinks are packaged with internal pressure to keep the liquor from altering while in transit before consumption. Excess heat is bound to make them explode.

While this list is not comprehensive, it is a general guideline for what you must not leave in the car. Generally, anything that may be affected due to high heat must not be kept inside the vehicle. Ensure that any important documents like your car insurance and registration are not left in the car. Take care of your valuables and avoid any considerable risks to your car.

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.

How often have you heard someone advise you to brush your teeth to stop late-night cravings? Brushing your teeth will magically make you feel full and prevent you from wanting to eat something that will stain your sparkling whites. Although some people find this hypothesis true, it isn't true for everyone, especially if someone has bizarre cravings in the middle of the night.

Here are some tips for overcoming late-night cravings that can help you avoid having extreme cravings in the future.

1. Have good sleeping habits:
Although you may not be familiar with the term "sleep hygiene," it is crucial for getting a decent night's rest. Because of the numerous studies linking sleep deprivation to lowered metabolic function, hormonal abnormalities, and increased appetite, sleep plays a crucial role in increasing late-night cravings.
You'll have a better chance of getting a good night's sleep if you make your bedroom a calm, cosy place to sleep rather than staying up late yearning for junk food.

2. Eat a healthy breakfast:
A whole grain bagel or oatmeal are excellent first-step carbohydrates since they contain a lot of fibre. You'll feel full and satisfied for longer periods if you eat a breakfast rich in these nutrients. Preparing a few items in advance can be useful if you have a habit of rushing out the door in the morning to ensure you have a satisfying meal to start the day.
For meals to be enjoyed throughout the week, you may try eating hard-boiled eggs, baked oatmeal, overnight oats, or even a few veggies and nuts. These beneficial breakfast routines can help you stay full throughout the day and avoid late-night cravings.

3. Try something else:
According to research, cravings are nearly psychological and not physical needs. Although you don't need to eat, this does not mean that you should disregard it. The research also states that willpower is like a muscle that weakens throughout the day and becomes almost non-existent at night. Create a distraction to take your thoughts away from food. You can try chewing peppermint gum, as the studies suggest that menthol odours reduce hunger.

4. Enjoy a delicious supper:
Your body will feel satisfied and full for several hours after dinner with protein, healthy fats, and complex carbohydrates. This will likely stop any late-night cravings you have.

5. Take warm liquids:
When you're rushing around making supper and getting the kids ready for bed, it's easy to confuse thirst for hunger and to forget to drink enough water. Try a cup of herbal tea without caffeine or warm water with lemon if you're still hungry after supper. These naturally calorie-free fluids are hydrating while also making you feel full.

6. Exercise your brain:
Put a mental barrier between yourself and the craving. Stop and give yourself a pep talk to control your emotions. As you picture "moving away" from your hunger, tell yourself that it is "only an idea."

7. Portion out your snack if you're hungry:
You've done everything you can to avoid feeling ravenously hungry at the end of the day, including eating filling meals, getting enough sleep, and paying attention to your body. This can occur occasionally! If it is late and you are still hungry, don't be too hard on yourself. Do yourself a favour and divide whatever you intend to eat. You may even try healthy snack suggestions if you want to feel satiated rather than hungry after eating.

These tips guide you to avoid disturbing your sound sleep due to the constant urge to eat something at night. Bring these tips into practice and adopt a healthy routine with lower bloating risks.

Also, consider investing in health insurance to keep yourself mentally and financially strong during medical emergencies. An all-inclusive health insurance plan will pay for hospitalisation, childcare operations, medical care received at home (domiciliary hospitalisation), and ambulance fees, among other things. Buy yours today without any delay!

Click HERE to buy health insurance for you and your family.

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

Travel is a favourite bucket list item for most people who aspire to discover new opportunities, savour offbeat experiences, introspect and grow holistically. With general insurance covering the financial burden of accidents that may happen while travelling, it has become easier and safer to travel than ever before.

Despite the ease of travel, most people end up postponing plans indefinitely or even cancelling due to budgeting issues. Overspending while travelling can have a significant impact on your finances. However, pinching every penny ruins the joy of the experience. Therefore, it is essential to find a balance, make careful estimates, and use tricks that save money on regular activities.

Food is one such expense that adds to the joy of travel. However, it is easy to overspend on food while travelling. Here are some smart ways that can help you save on food.

1. Complimentary breakfasts:
Usually, breakfast is included in the cost of the room. It is an overlooked service that can save you a sizable sum throughout your stay. Most hotels provide good-quality breakfast spreads that give you a taste of the local cuisine and international foods.

2. All-you-can-eat buffets:
These buffets can save you a lot of money if you travel with large groups or have a voracious appetite. Instead of purchasing individual menu items in fancy restaurants, it is significantly cheaper to head to a buffet restaurant that specialises in a specific food type- meat, pasta, or pizza, for example. These restaurants can be easily found by a quick internet search.

3. Avoid tourist-catered restaurants:
Tourists often travel without prior research and pay exorbitant rates for items sold at prime locations. An example is the restaurants in tourist-centric areas like the city centre or nearby tourist attractions. These restaurants charge high prices and exploit tourists who don't know the actual cost. It is best to avoid such centrally located restaurants and instead research and find local restaurants to get a taste of authentic cuisine at reasonable prices.

4. Stash your snacks:
Have you ever experienced hunger outdoors without having a snack prepared, and the only available options are overpriced foods you would not otherwise purchase? Imagine that in a foreign place where you end up paying heavily.
In desperate times, we purchase unnecessary things at unreasonable prices that do not truly satisfy our needs. To avoid this, carry a few snacks with you. This helps tide over time between two activities and prevents you from wasting money on overpriced snacks.

5. Allocate one meal a day for dine-out:
It is tempting to dine out for all meals while on vacation. However, this leaves a massive dent in your wallet. The easiest way to overcome this obstacle is to define a meal to eat at a local restaurant each day. Preferably, this should be lunch to get the most value for your money. Complimentary breakfasts and grocery stores or cooking for dinner make it easy to follow this rule.

6. Opt to cook:
If you're booked into a hostel, or your hotel room provides the equipment you can use to cook, ensure that you make full use of them. This can help in cutting down food expenses substantially. In case neither of these options is available to you, choose to purchase freshly prepared sandwiches or similar quick fixes from grocery stores or local bakeries.
Ensure that the food is safe to eat by thoroughly checking the expiry dates to prevent any issues that may lead to illnesses, irrespective of whether or not your travel is covered under your general insurance.

With some planning and research, you can limit your food expenses without adversely affecting your travel experience and preventing you from travelling. Think like a local, and you can significantly reduce expenses. However, you must pay attention to purchasing comprehensive general insurance covering accidents while travelling.

Click HERE to buy the best general insurance policy before your next trip.

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

With a hectic lifestyle, unhealthy diet, and stress, your health gets affected severely. Most of our organs are getting severely impacted and may cause health complications later. This drastic change around us and the hectic lifestyle affects our hair in the worst possible way. From dry and flaky scalp to hair fall, keeping your hair healthy amid a busy routine is challenging for most people.

When such a problem strikes, the solution lies before our eyes, but we fail to see it. Nature has been the source of many nutrients since ancient times. It has provided man with herbs that have medicinal value, including hair growth. Using Ayurvedic herbs for hair is one of the most efficient and effective ways to keep your hair in proper shape and in the best health.

Regardless, you must have a backup plan for your health if things go wrong. Research health insurance plans in India beforehand to get a bird's eye view of the different health policies and their benefits.

Numerous herbs help in giving a new life to your hair. They come with plenty of benefits of their own. They stimulate hair growth, add volume to your hair, and make it grow longer and stronger than ever. In this article, we have curated a list of the best Ayurvedic herbs that are essential for hair growth.

1. Aloe Vera:
Aloe vera is one of the most effective Ayurvedic herbs of all time. It works perfectly well for both hair and skincare. It has amazing benefits that will provide complete
nourishment to your hair. Aloe vera is renowned for maintaining the pH balance of your scalp. You simply have to massage the aloe vera gel into your scalp and see the magic!

2. Lavender:
Lavender flowers are not only beautiful, but they have plenty of benefits. They have soothing properties that can soothe your scalp. It also cures any existing bacterial or fungal infections of your hair and scalp. You can add the lavender oil to your oil of choice and apply it directly to your hair. You can also consume lavender tea.

3. Amla or Gooseberry:
Amla is rich in Vitamin C and contains many medicinal benefits. It has antioxidants and fatty acids that make your hair shiny and voluminous. It helps in the removal of dandruff from your scalp and excessive dirt from hair follicles. You can massage your scalp directly with amla oil for increased blood circulation.

4. Rosemary:
It is one of the most important ingredients in all hair oils. It has magical properties and prevents the growth of gray hair, reduces the occurrence of dandruff, and nourishes your scalp. This herb also prevents dry and flaky scalp. It has a calming effect on your hair. You can easily mix it with other oils like coconut and apply it to your hair.

5. Peppermint:
Peppermint can do wonders if you suffer from an irritated and itchy scalp. It soothes the scalp, stimulates hair growth, and makes them healthier and better. It also treats dandruff and other infections that affect the hair adversely. You can easily find peppermint shampoos in the market and use them for healthy hair.

These are some of the selected Ayurvedic herbs that guarantee your hair a new life. They are easily available and can be used as oils or shampoos for healthy hair growth. You don't have to worry about your hair health anymore! You should also get health insurance plans in India to provide all-around protection for your and your family's health. It is better to be safe than sorry! Investing in the right insurance can help you lower your financial worry and save money on your medical expenses.

Click HERE to explore and purchase the best health insurance plans in India.

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

If you are interested in skincare, you may be familiar with collagen production. Those serious about their skincare routine make significant financial investments in items that address their skin problems. One such skin problem that haunts people is ageing.

Skincare aficionados utilise treatments containing collagen to fight the effects and symptoms of ageing. Let's understand the different effective ways of boosting collagen production in the body that can promise you a dazzling look.

What is collagen?
The body's most plentiful protein is collagen, which is also a vital component of skin. Muscles, bones, tendons, blood vessels, and the digestive system are just a few of the tissues that contain them. It is important for a variety of biological processes, including wound healing.

Ways to boost collagen.

1. Vitamin C is crucial:
Low collagen levels brought on by a vitamin C deficiency can result in scurvy, a potentially dangerous illness. Best food sources for Vitamin C include citrus fruit, red or green peppers, strawberries, and broccoli. A doctor might suggest supplements if a patient's vitamin C levels are too low. Skincare businesses frequently use vitamin C in their barrier creams.

2. Consume egg whites:
Egg whites, which are high in proline, one of the amino acids that make up the majority of collagen, should be a regular part of your diet. In addition to egg whites, foods rich in proline include wheat, barley, and salmon.

3. Aloe vera gel:
Aloe vera gel is frequently used to soothe rashes and heal sunburned skin. Patients who take aloe vera sterols regularly tend to get their skin more hydrated, have less severe creases, and have almost quadrupled the amounts of collagen than before. According to the study's findings, aloe vera promotes the development of skin-friendly cells. Aloe-containing goods can be taken orally or applied topically as creams or gels.

4. Reduce your consumption of processed carbs:
Limiting processed carbs is also a good idea. Refined carbs get converted to sugar in the body. The collagen fibres' connections are then harmed by sugar, making it challenging to repair them.
Advanced glycation end products, often known as AGEs, are produced as a result of this process and may aid in the early ageing of the skin. It happens even more quickly when blood sugar levels are raised in the body over an extended period. So, if you crave sweets, consider turning to other foods like fruit, dark chocolate, or toasted coconut flakes.

5. Light therapy:
In addition to reducing wrinkles and improving skin elasticity, red light treatment may promote collagen formation. Researchers discovered that this treatment encouraged the synthesis of collagen.

6. Avoid exposing your skin to UV rays:
Too much UV radiation is the greatest risk for collagen formation and skin health in general. Free radicals are unstable because they lack an electron. As they hunt for electrons, these free radicals can adversely interfere with collagen's fundamental properties.

These were the methods for boosting the body's production of collagen. Just as you take care of your skin, especially as you age, it is crucial to value your overall well-being. The best way to achieve this is by investing in the best health insurance policy in India. Medical costs associated with an illness or damage are covered by health insurance. A health plan also offers several benefits, including cashless hospitalisation and free medical check-ups. Make the right choice today and say yes to a healthy life!

Click HERE to buy 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.

When purchasing insurance, people check the plan's conditions, coverage, and exclusions. A good insurance agency offers the best plans and benefits to its customers. But do you know how to identify an excellent general insurance company? If you want insurance for your home, business, or automobile, you must determine the best insurance agency for your requirements.

Here are some clear signs that help you choose a good insurance company.

1. Problem-solving:
A good insurance company can come up with creative solutions to your problems. You should ensure that the agency helps its clients with the right insurance plan according to their needs. If you get the right solutions, the insurance company is rated outstanding.

2. Genuine:
You should know that unethical insurance agents only stay in business for a short time. You can check the experience and reviews of old customers of an insurance company to determine whether they are transparent & genuine.

3. Ease of doing business:
If you can easily access an insurance company's product, you can put them in the category of a good insurance company. Some other factors that make the interaction between clients and insurance agents more seamless include online claim reporting, online bill pay, billing questions, policy changes, 24x7 customer service, and social media platforms.

4. Vast technical knowledge:
An excellent general insurance company knows how to sell its policy and win its customers' trust. You should expect that your insurance agency can instantly answer all your insurance, law, and tax queries. They must know income tax preparation, financial planning, and some other avenues of financial service to help their clients with their financial situations.

5. Customers delight:
You will feel encouraged to buy their product when you meet an agent or a team from a good general agency. Most good insurance agents are eager and excited, which makes it interesting and easier for clients to understand the details of their products.

6. Emotional intelligence:
If your insurance agency listens and empathises with clients, they can help you clear up your financial situation when you encounter a loss due to an accident. A good insurance agent is sensitive and able to understand the needs of their clients.

7. Good customer service:
Customer service doesn't mean being available at all times, but it should also solve your problems and satisfactorily answer your questions. Check whether the customer care team timely responds to their client's inquiries via phone, chat, or video calls. You may also go through the company's online reviews to get a clearer picture of their customer service.

8. A wide array of products:
If your agency offers comprehensive products and services that meet your specific needs, you can call them a good insurance company. You should check that they offer a wide assortment of general insurance, including motor, health, home, travel, commercial, and more. You should also look for optional features in the general insurance plan and decide on its requirements to get comprehensive coverage.

9. Sense of urgency:
A good agency has robust SOPs and processes for quick insurance approval. Consider the agency's time to explain its products and services, the application process, and other factors. You should check how fast your insurance agency can provide the claim money when needed.

Look for these signs in your general insurance company and decide whether they are the best agency for you. Choose the right insurance company that offers a wide array of general insurance products. You can benefit from the insurance plan if you encounter a loss or damage to your life, vehicle, home, or business.

Click HERE to know more about the best general insurance company in India.

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

If you're looking for answers to some frequently asked questions about two wheeler insurance, look no further. According to the Indian Motor Vehicles Act, every two-wheeler and four-wheeler owner must have third-party coverage. As a result, you must get either standalone bike insurance or a comprehensive bike insurance plan if you wish to cover the damages your bike sustains in accidents.

Many individuals need clarification on the numerous facets of a bike insurance policy. Therefore, we are addressing many concerns about a two wheeler insurance plan in this post in the form of some frequently asked questions.

1. What paperwork is necessary to submit an insurance claim for a two-wheeler?
Depending on your coverage and the damage experienced, you may need specific papers to submit a two-wheeler insurance claim. However, the necessary documents required to submit a two-wheeler insurance claim are summarised below:

● A current insurance policy agreement

● R.C. papers

● Driving licence copy

● As reported to the local police, a First Information Report (FIR)

● Pictures that were taken at the scene of the accident

● Other supporting records, if any

2. How much is my two-wheeler worth, and how is that determined?
Insured Declared Value (IDV), to which you are referring in this sentence, is the maximum sum for which you will be compensated if your two-wheeler is stolen or lost in its entirety. The manufacturer's suggested retail price determines the IDV of two wheeler, which is then depreciation-adjusted. Similarly, the IDV for non-factory-installed items is determined separately if they need to be added to the coverage at an additional expense.

3. What steps are involved in renewing my bike insurance?
Nowadays, it's effortless to renew your bike insurance thanks to the online renewal process of two-wheeler insurance. Most insurers notify the policyholder of the policy's expiration date in advance. Therefore, to renew your bike insurance online, go to the insurance company's website and complete a few easy steps. In addition, you can renew the insurance offline by going to your insurer's office or getting in touch with customer service.

4. Which situations fall under a bike insurance policy's exclusions?
The policy wordings for bike insurance coverage include specific information about the exclusions. Before purchasing your bike insurance policy, reading and comprehending the exclusions is crucial. It is advised to get clarification if there are any questions about the exclusions in your bike insurance policy.
Here is a list of typical exclusions that can be encountered while filing a two-wheeler insurance claim:

● Getting behind the handlebar when intoxicated

● Riding a motorcycle without having insurance

● Driving without a valid licence

● Nuclear risks-related harm

● War-related damage

5. What kind of additional coverage is offered for my two-wheeler?
You must purchase comprehensive coverage that includes any injury or damage to a third party and any harm to your two-wheeler if you want to protect it adequately. Similar to the above, an add-on policy like Zero Depreciation would guarantee the total amount of your valid claim is paid without considering the depreciation factor.
Repairs and replacements of certain parts made of plastic, fibre, glass, etc., are priced on a depreciation basis under IRDA regulations.

6. Where can I find the policy number for my bike insurance?
When you purchase a two-wheeler insurance policy, you will receive policy documents having the policy number for your bike insurance. The correspondence letters, emails, etc., that your insurer sends you regularly include your bike insurance policy number as a reference.

7. Why should I purchase online two-wheeler insurance?
The advantages of purchasing insurance online include the following:

● Comparing prices and assessing coverage alternatives on a free and user-friendly platform.

● A quick and helpful customer service team can address any issues.

● Post-sale services that are prompt and trustworthy.

● Assistance with the claims and related issues as soon as possible.

These are the most commonly asked questions when purchasing bike insurance which offer you good clarity about the application process, claim settlement, premium, inclusions and exclusions, types of bike insurance, renewal details, and much more. Let's get ready to buy your bike insurance today!

Click HERE to buy bike insurance and stay stress-free.

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.

Tulsi is a popular houseplant in India and is worshipped by people as a religious practice in different parts of the country. You can find a dedicated area for the tulsi plant if you visit the traditional Indian houses. But things have changed a lot nowadays, and people have also started keeping a tulsi plant in their apartments for its many benefits.

Having a tulsi plant at home can have many benefits, including calmness and happiness to the house. According to the ancient Vastu Shastra and Ayurveda, tulsi can benefit you in the following ways:

1. Tulsi leaves have medicinal values:
According to Ayurveda, tulsi leaves contain various medicinal properties. Taking tulsi leaves with honey can heal common coughs and colds. Moreover, tulsi leaves possess various natural antioxidants that kill free radicals in the body and improve the immune system. Regular consumption of tulsi leaves can help manage stress and high blood pressure. Notably, tulsi leaves feature multiple benefits without any side effects on your body.

2. Bring happiness to marital life:
It is believed that maintaining a tulsi plant in the east or northeast corner of your home can bring positive energy. As per the Vastu, a tulsi plant eliminates stress and brings happiness to your conjugal life. Gradually, your life will become happier and more peaceful.

3. Tea with tulsi leaves:
Tulsi can make your tea more refreshing and nourishing. Restaurants usually use dried basil to prepare such tea. But you can use fresh leaves if you have a tulsi plant. Tea is a source of various antioxidants, which improve your immunity, and when you add tulsi to it, the level of such minerals and antioxidants increases. The combination of tulsi and tea creates a warm beverage with many health benefits.

4. Insect repellent:
Many homeowners find themselves subjected to frequent insect attacks, and it often becomes annoying to tackle them. People use different kinds of toxic chemicals to remove insects, though these chemicals may harm pets and children in the house. Tulsi is a natural insect repellent, and your house can stay protected from mosquitoes, flies, and many other insects if you have this plant in your balcony garden.

5. Tulsi brings prosperity:
In Hindu mythology, the Tulsi plant has been represented as the form of the goddess Lakhsmi. So, it is believed that having a tulsi plant in the east or northeast part of the home brings good luck and prosperity. Having a tulsi plant in the house can protect you from unnecessary financial expenses. Also known as the queen of herbs, the tulsi eliminates negativity and spreads positive energy to the home.

How can you have a tulsi plant in your apartment? The tulsi plant needs direct sunlight for 4-5 hours a day. You can keep it on the window sill or balcony, where it can receive a good amount of sunlight.

So, these are some benefits of having a tulsi plant at home. Overall, people believe that tulsi brings peace, happiness, wellness, and good luck to a house. Your house will become a more beautiful place to live, though you must remember to invest in the best home insurance policy in India for financial peace during unexpected circumstances.

Click HERE to buy the best home insurance policy in India.

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

Accidents are a common occurrence these days. They can cause major upheaval and disrupt our entire life at once. Not only does an accident cause financial damage, but it also builds a lot of anxiety, stress, and fear among individuals.

A lot can happen when an accident strikes, whether physical harm or mental discomfort. From road accidents to mishaps at workplaces or homes, unfortunate events can take place anywhere. You need to be cautious and take all the necessary precautions to protect yourself and avoid injuries. In addition, securing yourself with suitable personal accident insurance plans is crucial to prevent financial chaos after such incidents.

A shoulder dislocation is one of the major and most common accidental injuries. It can result from injury due to playing, road accidents, or slipping in the bathroom. Whenever a large blow is delivered to your shoulder, it can result in dislocation.

How do you treat a shoulder dislocation and take care after the injury? Let's find out!

What are the symptoms of shoulder dislocation?

Shoulder dislocation results from heavy damage to the shoulder joint due to the high-intensity impact after an accident. These are a few symptoms to diagnose dislocation:

● Swelling

● Severe pain

● Numbness of arm

● Redness

● Bruising

● Tingling sensation

● Visibly out of place shoulder

How is shoulder dislocation diagnosed?

If you notice the above symptoms, always seek immediate medical help. A doctor diagnoses the condition by asking relevant questions about the symptoms you are experiencing. If it correlates with shoulder dislocation, it is diagnosed accordingly. Muscle relaxers are then administered immediately to the patients to reduce pain.

Once the patient is stable, an MRI or CT scan is undertaken. It helps in revealing any broken bones in the body. Sometimes a dislocation can be diagnosed by simply touching.

How to treat shoulder dislocation?

A shoulder dislocation does not require any surgery. Your doctor can easily diagnose it. It will then be carefully put back in its place to heal. The treatment requires:

● Use of pain medication to ease the pain and discomfort caused by the dislocation. If the pain is severe, a numbing agent can be used to provide relief.

● The shoulder is carefully put back into its designed place by your doctor. It stops severe pain immediately.

● A splint or sling is to be worn for 7-10 days for proper healing of the joint.

● The doctor recommends icing the shoulder every day at least 3-4 times.

● After healing the joint, you need to go to a physiotherapist who will provide you with light exercises for the proper functioning of the joint after injury.

How to prevent shoulder dislocation in the future?

Shoulder dislocation usually occurs while playing sports or an accidental fall. It is advised to wear protective gear while playing any kind of sport to avoid an injury later.

A small mistake today can lead to bigger problems tomorrow. An injury to any body part can cause long-term problems in the future. The shoulder is an important body part that should be protected at all costs. Regardless of everything, you should know about personal accident insurance plans in advance to avoid exhausting your money on treatments and medications.

Click HERE to know more about 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.

Riding a motorcycle is one of the most ethereal experiences that you can encounter in your life. Be it a crowded market or the lush green valleys of the Himalayas, a bike ride is perfect for every occasion. The thrill, excitement, and adrenaline rush that a bike ride gives you will always be unmatched.

But did you know that riding a bike can have health benefits besides getting an adrenaline boost? Surprised, aren't you? Let's find out the different health benefits you can have from riding motorcycles.

1. Builds core strength:
Whenever you ride a bike, you need to maintain the correct position. For longer bike rides, the body's posture must be maintained. It ultimately contributes to greater core strength and flexibility.
You must work on your core to stay upright on your ride. Your body posture maintains the correct shape and form while riding a bike. It is a great exercise for you.

2. Strengthens thigh muscles:
This is one of the hidden benefits of riding a motorcycle. If you're experiencing any issue with your knees or thighs, it can easily be resolved by riding a motorcycle. When you ride a motorcycle, you need to apply a lot of strength on your knees and thighs without straining them too much. A little movement can do them well. Riding a motorcycle is no less than a physical exercise that your legs necessarily need.

3. Boosts neck strength:
If you spend a lot of time on your phone or laptop, you will likely develop neck problems and a painful strain in due time. The best way to tackle it can be by riding a motorcycle. It helps in boosting your neck strength and eliminates the risk of developing a strain or cramp there.

4. Burns calories:
When you ride a motorcycle, you burn calories. When you are in the driver's seat of a motorcycle, you are likely to put in a lot of effort in riding the bike. Your entire body is in an active state with your senses alert, which demands more energy to maintain coordination. This can aid in burning calories. You can burn up to 50 calories by simply riding a bike. This is not possible in the case of other vehicles.

5. Boosts mood:
Although there are numerous benefits of riding a motorcycle, it also greatly impacts your mental health. It boosts your mood and uplifts you. You can cheer yourself up and feel relaxed by setting out on a fulfilling bike ride. It stimulates the happy hormones in your body. It is great for people who are suffering from depression or anxiety. It is an effective way to lift your mood and make you feel better.

These are the numerous health benefits of riding a motorcycle. It not only helps build your physical health but also positively affects your mental health. Apart from the convenience of commuting, it is also important in staying motivated and in the pink of health. If bike riding is your comfort, securing it should be your responsibility. You should buy bike insurance in advance regardless of where you ride your motorcycle. It will add a financial safety net to cover the hefty expenses of damages to your bike.

So, invest in comprehensive bike insurance and enjoy multiple benefits at an attractive premium.

Click HERE to purchase the best bike insurance.

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

Buying a car is more challenging than it seems. The salesperson uses many tactics to prevent their buyers or sellers from negotiating. Usually, buyers who lack detailed information about car sales and the buying process fall victim to these tricks the salesperson uses to draw more profit.

You also have to consider various things, such as auto loans, RC transfers, and hidden charges, when estimating the price of the car. So, you can create your strategy against these persuasive tricks and get your choice of car at a reasonable price. Here are some tactics that are commonly used to influence the customer.

1. Psychological profiling:
The car salespeople use the scripted questions to break down the needs and vulnerabilities of potential customers. These salespeople are experts in persuading people. The first question most car salespeople ask is about your budget. If you answer this question, you will show a vulnerability to car salespeople.
You should refrain from discussing your budget, family needs, vanity, and urgency to buy and ask for a test drive before signing papers. If you find a car you want, negotiate the price and leave trade-ins and add-ons for another discussion.

2. The Ben Franklin close tactic:
Most car salespeople use this classic tactic to fool the customer into buying a specific car. In this method, they draw a line down the middle of a piece of paper and list the reasons to buy or not buy the particular car. The information from the salesperson is either half true or false. You should avoid falling for this trap and becoming a victim of their motive.

3. The Porcupine close tactic:
The car salespeople use another tactic that includes a question starting with "if." For example, "If I can get you this monthly payment, will you be willing to buy this car today?" Car salespeople use this strategy to find a buying trigger in their customers.
When your car salesperson asks you this type of question, you should answer it with a negative. Instead, telling your car salesperson that you are negotiating with other dealers to get the best deal.

4. The waiting game:
When you go to your car salesperson to buy a car, there are salespeople, a team leader, a general manager, and more levels of leadership. They waste your time and trick you into selling what they want. If your car dealer takes too long to start moving the deal, you should call the deal off.

5. Look after the overall cost of the car:
People research the price of the car and divide the numbers into a down payment and a monthly payment. Most car dealers offer you monthly payments. You should ask them about the total price of the car and their best offer.
You can use an online car affordability calculator to check how expensive a car you can afford. Stay in the range and consider other things such as dealer fees, car insurance, and more. Choose the best car insurance company in India to get reliable insurance at the right price.

6. The impending event tactic:
Car salespeople use another tactic to sell their cars without negotiating. In this tactic, the car salesperson says that you need to buy this car today to take advantage of a big opportunity to buy it, or some other customer will get it.
You should refrain from showing any urgency and telling the car dealer in their eyes that if you come back tomorrow, they will not sell you this car.

These were a few ways to smartly deal with the tactics of salespeople and outwit them. Always stay alert while making such big decisions. Rely more on your research, compare different brands and categories, and take a test drive before the final purchase.

It is compulsory for people who buy a new or used car to get car insurance. When you find a strategy against the car salespeople's tactics, you should also look for the best car insurance company in India. Car insurance brings you many benefits, including personal accident cover, no claim benefits, damage or loss to insure a car, and third-party liabilities. Buy one today to make your driving experience safe and convenient.

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

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

Even in a country like India, where unequal wealth distribution has persisted over the years, the demand for luxury goods has risen across different landscapes. While rural settings used to limit their investments to affordable luxuries such as 2-wheelers, that is no longer the case. Although comparatively small, the number of car owners in rural and semi-urban areas is growing.

As more people purchase cars, one cannot ignore their allied risks. The risk of damage and theft are the highest-ranking troubles of Indian car owners. While you can cover damages by buying the best car insurance in India, multiple systems can help prevent theft, but none to eliminate it. Owners are left with no choice but to protect their vehicles with the most-sophisticated systems that can deter burglary.

While a basic alarm system is installed in all cars, an aftermarket security system doubles the protection. The availability of too many choices makes it difficult to find the best option for your vehicle. Here is a list of all the types of car alarms to help you choose the best-suited system for your vehicle.

1. Audible alarm system:
Starting with the most basic anti-theft mechanism, a blaring alarm is usually provided in most cars. It makes for easy identification of an issue and alerts passersby to intervene. However, it is an outdated feature, considering that thieves have started tampering with cars to raise the alarm to divert people’s attention from the sound of breaking windows to steal the items inside the vehicle. While necessary, it is not a comprehensive solution.

2. Silent alarms:
A silent alarm does precisely what an audible alarm does- but inaudibly, and only alerts the owner who has the key. Being inaudible can be considered a boon or a bane depending on the result of the situation. Since owners are warned without a sound, the thief remains oblivious to being discovered. As there is no sound, nobody but the owner would be aware of the incident, leaving it entirely up to the owner to tackle the situation.

3. Immobilising alarm system:
The best option of the alternatives discussed so far is an immobilising system. Once the car detects a potential thief at work, it automatically locks the vehicle. The owner does not need to intervene since there is no risk of displacement.
However, in most cases, thieves look for valuable items in the car to steal rather than stealing the vehicle itself, making the system useless in such cases. Alternatively, a key is required to unlock the car, which is not difficult to attain considering the instances of petty thievery and copying the key itself or its electronic signal that opens the car.

4. Additional GPS tracking:
While GPS is a commonly used feature while driving, it can also help keep your car safe if you keep it on even when locked. This way, irrespective of the car alarm system, you will always have access to the car’s location and can track it down in emergencies.

Our recommendation:
1. Why stick to one when you can double up and be extra sure? We recommend adding multiple systems simultaneously to keep your car safe. While you can choose between audible and noiseless alarms, we urge you to purchase at least one of the above-mentioned systems.

2. Consider activating passive security systems rather than active ones. In the case of active alarms, you must trigger them each time after locking the doors, which is often forgotten. However, passive systems work without an additional push. While identifying the best car insurance in India, read the fine print to see if a specific type of alarm is required to be installed to cover robbery incidents.

3. Let the professionals at a registered service provider install your add-on security system to ensure proper activation.

Apart from your choice of alarm system, a vigilant watch, a safe neighbourhood, and buying the best car insurance in India are other crucial factors to keep your car safe from thieves and get compensated for the damage or loss due to acts of robbery.

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.

Of all the inventions and discoveries the human race has made over time, its progress in medical science has been the most significant. The human mind has made everything possible, from simple practices like using herbs to heal wounds by trial and error to developing advanced laser surgeries. Despite consistent advancements in scientific knowledge, certain age-old traditions, like alternative medicine, are believed to be effective and used in modern times while lacking complete scientific backing.

Acupuncture is a form of alternative medicine rooted in Chinese medicine. It is believed to cure illnesses and eliminate stress. While not entirely backed by scientific evidence, western medicine converges on some beliefs of sticking needles in the body at strategic locations. While buying a comprehensive health insurance policy for family is the safest bet for keeping your loved ones safe if you're interested in acupuncture, here's what you must know!

What acupuncture seeks to resolve?
Like all ancient medical practices, acupuncture claims to correct many medical issues, ranging from muscle aches, back pains, headaches, and arthritis. Some also believe that targeting specific nerves with thin needles can eliminate cancer, cure infertility and strengthen the immune system.

The fundamental principle behind acupuncture.
Traditionally, the practice is seen as a corrective measure to balance an individual's energy, which is the cure for all of one's problems. However, western medicine agrees with some of its claims while stating a different reason- it is possible to cure pains and aches by targeting the muscles and tissues that are tense by releasing the knots formed.

When to avoid acupuncture?
While the procedure can set right multiple issues ranging from common posture issues to chronic illnesses, it is not suitable for everyone. If you have a bleeding tendency or suffer from weak immunity or epilepsy, you should avoid acupuncture. The same applies to pregnant females or patients with an unclear diagnosis since it may cause more significant problems.

Precautions to ensure before acupuncture.
You must approach any medical procedure with caution. A patient must take all necessary preventive measures to ensure that minimal risk is involved. Before you visit an acupuncturist, keep the following in mind:

1. Make sure to do due diligence when choosing an acupuncturist. Ensure you talk to previous patients about the procedure, clinic, and practitioner and their credentials.

2. Disclose your medical history to the acupuncturist to make an accurate diagnosis.

3. Avoid caffeine before your appointment.

4. Wear loose clothes to allow easy placement of the needles in appropriate places.

5. Make sure to check that sterile needles are used for each appointment.

An acupuncturist's appointment.
Like any other medical procedure, acupuncture is not a one-time solution that will eliminate your problems. It takes multiple sittings, supplementary practices, and a reliable acupuncturist to provide effective results. Here's a short synopsis of what the procedure entails

1. Diagnosis:
The first appointment is the most crucial as it is when the initial diagnosis is made regarding the patient's health while considering their medical history. Usually, the acupuncturist examines your overall health by inspection and requires supplementary information to make an accurate diagnosis.

2. Acupuncture sessions:
Usually, sessions can last between 20 minutes to an hour, depending on the severity of the issue. Sessions are generally scheduled up to two times a week and may continue for 2 or 3 months. This may also depend on the add-on services like acupressure, cupping, etc.

3. Associated risks:
Although rare, the procedure comes with the risk of developing some serious side effects. They include excessive bleeding, fainting, infections, and, worst case, puncture of organs.

Acupuncture may seem like a relatively harmless procedure involving thin needles, but it has several risks you must consider if your body is not susceptible to it. Irrespective of your beliefs in alternative practices, we strongly recommend purchasing a health insurance policy for family to cover the financial burden of medical issues.

Click HERE to buy health insurance policy for family.

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

Insurance is an umbrella that protects you from the financial burden resulting in the aftermath of the event you are insured against. In recent times, the insurance penetration rate in India has significantly grown with the increasing base of new policyholders. This may be attributed to raising awareness, the increased purchasing power which has resulted in the improved ability to purchase policies, and the steadily growing inflation rates that increase the burden of such financial stress.

Over the years, motor insurance has become a popularised offering by insurance companies. If you are looking for the best two wheeler insurance in India, there are multiple options with various features and price ranges. However, it all boils down to the insurance claim settlement procedure. If the claim settlement is fair and speedy, it is the natural choice for consumers. It is also the most confusing part of insurance that you must consider before purchasing two-wheeler insurance.

How many times can you file a claim annually? What are the required documents? Read on to find the answers to questions similar to these related to two-wheeler insurance claims.

Can you file for a biannual two-wheeler insurance claim?

Yes! The paperwork does not restrict policyholders to specific maximum claims you can file annually. Therefore, you may apply for two or more claims in the same year.

Effect of raising multiple claims within the year.

While there are no restrictions on claim filing, it may not be a good idea to do so frequently for the reasons mentioned below:

1. No claim bonus:
This is an incentive provided by the insurer to the policyholder at the time of renewal in case no claim has been filed within the insured period. In case of multiple claims in the year, the discount rate, usually between 20-50%, is lost with each claim. Therefore, by making a claim, or multiple ones, the insured loses the benefit of a discount at the time of renewal.

2. Increased premiums:
Since the insured person files multiple claims, they are seen as a greater liability than an asset to the insurance company. Therefore, they charge a greater premium from the person when compared to other insured parties that file fewer or no claims at all.

3. Inadequate compensations:
In case of minor damages and losses, it may be best to avoid filing a claim. Deductible items are removed from the repairs bill to compute the allowed damages. If such an amount is minor, we recommend not filing a claim since the compensation will be inadequate and only result in the loss of the no-claim benefit.

4. Limitations on zero depreciation insurance add-on:
This is an add-on facility to a comprehensive two wheeler insurance policy that restricts the number of claims you may file.

Necessary documents to file a claim.

Irrespective of the result of your search for the best two wheeler insurance in India, most insurance companies ask for the following documents for filing a claim:

● Claim form

● Two-wheeler registration

● Tax receipt

● Owner’s driver’s licence

● Insurance proof

● Copy of FIR

With insurance companies striving to make claim filing simpler than before, it may seem logical to claim compensation for even the most minor damages. However, even with the best two wheeler insurance in India and requisite add-ons, that is not the case. You must purchase bike insurance and file claims only after careful consideration.

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.

Standalone own-damage car insurance is optional, unlike third-party car insurance. However, you must buy your standalone damage car insurance since it will help you get coverage for damages to your car during an accident or a natural or man-made disaster like a fire outbreak, theft, flood, etc.

What is covered under standalone damage insurance?
By looking at what this policy covers, let's better understand how standalone car insurance functions. A typical own-damage policy will protect from the following:

● Accident-related damages or total loss

● Vehicle theft

● Damage that is beyond repair as a result of fire, lightning, explosion, or self-ignition

● Natural calamities such as landslides, earthquakes, or floods can cause damage

You can file a standalone damage car insurance claim with your car insurance provider if your vehicle is damaged as a result of one of these events. Nowadays, raising a standalone damage car insurance claim is simpler than ever before. You can visit the insurer's website, log in, complete a form, evaluate the damage to your automobile, and then make repairs after the claim is approved.

Factors that affect standalone car insurance premiums.

Your standalone car insurance premium can easily be impacted by a change in any of these variables.

1. Insured Declared Value:
Your car's IDV, or insured declared value, is its current market value and a key component in calculating its own-damage premium. If you decide to give your car a greater IDV, your standalone car insurance will be expensive.

2. Age of the vehicle:
Your vehicle depreciates with time and loses value. As a result, if your car is older, your car insurance premium will decrease.

3. Your location:
If you drive in an urban, congested area, such as a big city, your own-damage auto insurance rate will go up. This is because there is always a chance that the car will be stolen or damaged. The danger is also lower, and the premiums are lower in smaller towns and villages.

4. Car safety:
Installing safety features on your car reduces the possibility of damage. For instance, airbags reduce the likelihood of your vehicle sustaining damage, minimising car insurance premiums.

5. Model of the vehicle:
Any damage caused by an accident to a pricey or luxurious vehicle could be very costly. Due to the high risk associated with such a vehicle, the standalone insurance policy premium for own damage will also be expensive.

6. Engine cubic capacity:
Your car's engine cubic capacity significantly impacts your premiums. Compared to vehicles with engines under 1500cc, the damage premium for vehicles with an engine capacity beyond 1500cc will be higher.

7. No Claim Bonus:
When you renew the policy, your rates will be reduced if you haven't made any claims for auto-related damages during the policy year. As a result, avoiding these claims allows you to pay lesser premiums for your standalone own damage insurance.

Who should buy standalone damage insurance?
If you just have third-party auto insurance at the moment, it is advised that you purchase your standalone damage coverage. It increases the range of protection for your vehicle during emergencies like a car accident, a man-made disaster, or a natural disaster.

Here is the formula to calculate standalone damage car insurance premium:

You must know your car's Insured Declared Value (IDV). Using the formula below, you can easily determine your four-wheeler's IDV:
IDV= (showroom price - depreciation cost) + (cost of any car accessories - depreciation cost)

Once you know your car's IDV, you may use the following method to determine the cost of standalone own damage insurance:
Standalone Damage premium = IDV X (Premium Rate) + Add-on Covers - Policy Discounts and Benefits

Check for new car insurance rates before investing in standalone damage insurance. Contact your insurance provider to get the desired answers if you have any queries.

Click HERE to buy a car insurance policy.

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

If you have ever randomly searched for road safety statistics relating to India, you would be concerned. According to data provided by many research firms, the road crash severity, i.e., the number of deaths per 100 road crashes, was 38.6. This implies that over a third of road accidents lead to fatalities. Our numbers are also the highest amongst all countries, making this an issue that requires immediate attention.

While infrastructure and planning of roads are partly to blame, so is driver negligence. Considering that over half the vehicles on roads are 2-wheelers, it becomes necessary to practise safe driving since 2-wheelers do not have the bare minimum safety that cars provide and lead to more significant damages if in an accident. With increased regulations, the demand for 2 wheeler insurance has risen steadily.

Still, riders continue to take unnecessary risks in the form of 3 or more riders, underage driving, and helmet-less pillion riders. While your 2 wheeler insurance covers the driver and vehicle, does it also cover pillion passengers? Read on to find out all about it.

Inclusion of a passenger in 2-wheeler insurance:

2 wheeler insurance is considered a comprehensive cover but is not in reality. By carefully reading the fine print, one can find multiple exclusions which can be added to the cover as an add-on facility. One such cover is to protect your passenger.

If you are considering whether or not to purchase the add-on, we strongly urge you to do so. Since two-wheelers are more vulnerable to accidents, minimal damage to the riders is inevitable. While your comprehensive plan covers you and your vehicle, buying an add-on will insure your pillion rider's life.

Inclusions of the add-on:

The add-on primarily lightens your moral responsibility towards your pillion passenger to keep them protected as long as you're responsible for their safety. In the following events, the insurance company approves the claims filed:

● Compensation for the death of the passenger to their legal heirs

● Payment in case of partial or permanent disability to the passenger

● Reimbursement of hospitalisation expenses incurred to treat the passenger

Who should consider buying the add-on:

While 2 wheeler insurance is mandatory for all, we recommend considering a pillion-passenger add-on as the same. However, suppose any of the following cases apply to you, then consider purchasing it at the earliest to minimise the extent of the financial burden you may have to face.

● If you regularly have a pillion passenger travelling along

● If your regular passenger happens to be a child or a senior citizen, it is best to cover for contingent mishaps

Exclusions to consider before filing claims:

This add-on is undoubtedly helpful in insuring your fellow rider’s life. However, before filing a claim, you must ensure that the following:

● The driver has a valid licence

● The driver was not under the influence of any substance

● The driver must be the owner of the vehicle and must purchase the policy and add-on in his name

● The accident must not be intended to be an act of self-injury by the driver

These are generally excluded conditions that reject a claim. Since making 2 wheeler insurance mandatory, its penetration has significantly increased. Authorities should also consider making policy equipped with comprehensive benefits to cover all related parties and ensure maximum protection of the riders and vehicle.

Click HERE to buy a reliable 2 wheeler 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.

Do you own a business and are undoubtful if you need to purchase a public liability insurance policy? This post will discuss why you should get public liability insurance, the advantages, and a list of businesses requiring it. It is advised to have a public liability insurance policy if you deal with members of the public or clients to ensure protection against damage to third-party.

Following are the businesses that are at risk of going bankrupt due to a single lawsuit if they don't invest in the public liability insurance policy:

1. Businesses that produce chemicals

2. Restaurants

3. Contractors

4. Hospitals

5. Universities and colleges

Let's first define public liability insurance policy before discussing these five businesses.

What is insurance for general culpability?

Public liability insurance protects businesses and their owners from being sued if someone gets hurt within their property or causes damage to someone else's property. This insurance pays for the damage costs, which otherwise the insured might have to pay.

For instance, if you host an event and a public member is harmed within your property, your public liability insurance will pay for any associated legal fees and compensation claims that the injured party may make.

What all is protected by public liability insurance:

• Property damage and physical harm

• Cost of counsel

• Cost of a claim
 

What is excluded from the policy:

• Reputational damage or another form of slander

• Accidents involving employees

You can purchase general liability insurance (GLI) if you want more protection. GLI protects a broader range of people, like business owners, employees, and vendors, from these risks.

Here are a few examples of firms that unquestionably require public liability insurance policy.

1. Businesses that produce chemicals:
After the Bhopal disaster in 1984, the government required any company working in a dangerous area to have public liability insurance. The Public Liability Insurance Act of 1991 requires you to purchase PLI coverage to protect yourself from lawsuits arising from accidents and harm to the public.

2. Restaurants:
A necessary component of any restaurant business is public liability insurance. PLI safeguards eateries from the expenses associated with damages. Accidental hot food spills, cutlery that falls, and slick floors are possible scenarios. It also protects the business if a customer claims damages because they got sick from the food.

3. Business owners:
If you do construction, plumbing, or electrical work on a client's property as part of your business, you must have public liability insurance. While working there, the insurance will defend you from any claims against you for injuries to individuals or damage to the customer's property or equipment.

4. Hospitals:
Hospitals are another business that could be sued for injuries or damage to property that happens while doing business. Any harm or death caused due to the doctor's negligence in this situation is not covered by PLI. For such a risk, doctors need professional indemnity insurance coverage.

5. Colleges and universities:
If a fire breaks out on the grounds of your school or college and a few students are hurt, PLI will pay for the cost of legal defense and any compensation demanded by the injured students or their families.

We've talked about a few specific businesses that require public liability insurance, but this is a partial list. Public liability insurance is a requirement if your business interacts with customers, staff, or the public.

Finding a good insurance company and the best coverage for your business takes time, consistent efforts, and deep research. Once you've decided, you'll have an insurance agent to offer advice based on his knowledge and experience. Nowadays, things have become digital, and you can easily buy a public liability insurance policy online with just a few clicks and a hassle-free payment process. It is recommended to always seek legal advice to find the best solution based on your situation.

Click HERE to buy a reliable public liability 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.

Public liability insurance in India is a kind of insurance that aims to shield business owners from claims that lead to legal actions. It protects you if a customer or general public claims that your business activities caused them to suffer an injury or property damage. A policy will pay for these costs, which may include any compensation you are required to pay if a claim does end up going to court.

More about public liability insurance in India:

The public liability insurance policy covers the insured's legal obligation to pay third parties for unintentional death, physical injury, disease, and loss of or property damage. Subject to the limitations of indemnity and other terms, conditions, and exceptions of the policy, it covers the financial claims filed against the insured during the policy period, including legal fees and expenditures spent with the prior agreement of Insurers.

A few important points to remember:

● No culpability is acknowledged

● Claims filed more than five years after the incident won't be considered

Myths about public liability insurance:

1. Professional assistance and counsel are covered:
It's common to mix up professional indemnity insurance with public liability insurance. Public liability in India covers the costs related to unintentional damage and injuries. In contrast, professional indemnity protects against claims from professional negligence in business services and advice.

2. If you are sued, you can close the company:
If you own a small business, closing it won't make the case go away if you are proven legally responsible for someone getting hurt or something getting broken. The lone proprietor will be held personally liable indefinitely for any claims brought against a small business. Even while persons who run a limited company can close their company, they will still need to deal with any legal actions brought against them. Only a public liability insurance policy will be useful in these circumstances.

3. The purchase of public liability insurance is mandatory:
Businesses are not obligated by law to buy public liability coverage. However, it would be crucial to buy this coverage if you want to shield your company from having to pay out astronomical sums in claims. While performing their duties, your personnel may harm people or damage someone else's property. Businesses operating in public areas or on clients' property need this insurance policy. Get a public liability insurance quote if you need to figure out how much it will cost.

4. Loss is compensated through public liability insurance:
That's only partially accurate. Public liability insurance in India does not cover pure monetary loss. Therefore, a third party cannot demand reimbursement for the monetary damage they have sustained due to a service provider's acts.

5. Every time you sign a new contract, you'll need new insurance:
Most of the time, firms only have a single policy to cover all the contracts and projects they take on. However, for public liability insurance, when a new contract entails significant risk or is substantial, buying new insurance can be required rather than renewing an existing one. Almost every public liability insurance in India has flexible coverage options.

This simplifies adding new features when the company expands or takes on new jobs. This will be practical and guarantee that your business needs are addressed. Working with trustworthy and renowned insurance providers is essential when looking for insurance coverage to safeguard your small business. Your business can benefit from having the best public liability insurance in India.

Click HERE to learn more about public liability insurance in India.

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

Due to the extreme population density, everything in the country is crammed up and congested, which also applies to the roads. Driving on city roads or highways is complex and challenging. If you're learning to ride a two-wheeler, this article might be helpful for you.

In India, road accidents are frequently encountered. Every minute, a road accident occurs in some part of the city, which puts everyone at risk. The density of people per square foot of the road is way more than it is supposed to be. So much so that it exceeds the safety limits.

If you own a two-wheeler, the roads can leave you vulnerable and scared. You should keep many things in mind when driving through congested roads, and your safety comes at the top. You should also have a valid insurance policy to safeguard you and your two-wheeler. Research the best two wheeler insurance rate in India and purchase the policy that suits your needs and is within your budget.

Let us thoroughly look at the tips to keep you safe while driving across congested roads.

1. Do not lose focus:
Focus is extremely important while riding a vehicle. Avoid all distractions that can cause you harm while riding. Phone calls, music, or small talk with your fellow passenger can be distracting. It can lead to road accidents in a blink of an eye. Hence, it is best to avoid them all.

2. Keep an eye on the road:
Whenever you drive, you should keep an attentive and careful eye on the road, people, and other vehicles. Most people are not cautious while crossing the road, especially in market areas or other congested roads. This puts the responsibility on you to be extra alert. Look out for any pedestrians on the road when you ride your vehicle.

3. Do not over speed:
Over-speeding is one of the leading causes of road accidents and fatalities in India. Fast driving on a congested road can lead to disasters. It is advised to slow down as and when necessary. It is best not to put too much pressure on the accelerator as congested roads have comparatively lesser space to occupy vehicles and allow them to commute swiftly. Plus, the risk of colliding with pedestrians or street vendors is always high.

4. Plan your trip well:
You must have a clear idea of the route you're going to take. It is wise to sort out your route on maps before you begin your journey. You don't have to waste time and effort sorting a route in between your ride. Preferably avoid taking congested roads even though they might show the shortest route.

5. Maintain a safe distance:
You should maintain a distance from the other vehicles. Do not drive too close to other vehicles. The same is advised for people on the road as well. Maintain a safe distance from all to avoid accidents. Also, look out for the speed breakers and potholes carefully.

6. Follow traffic rules:
It is mandatory to follow all the traffic rules whenever you're on the road. Violating traffic rules can land you into several troubles, from penalties to even imprisonment. It is best to wear a helmet and carry all required documents during your ride.

These tips can help you make your way through congested city roads. If you are a new rider on the streets, you should always focus on the road and be attentive while driving. Additionally, you should also insure your vehicle with a valid insurance policy. The two wheeler insurance rate should be researched and found beforehand to help you make the best choice.

Click HERE to know the best two wheeler insurance rate to buy a comprehensive 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.

India ranks among the top 10 countries with the most two-wheelers in the world. Indian roads and highways are crowded with two-wheelers of all makes and designs running in different directions. This also means that you need to take great care of the vehicle that you ride on. It should have all the proper documentation. You will be compelled to pay a fine or compensation if you lack these documents.

Your bike insurance plays a pivotal role in the safety of your two-wheeler. You must renew your insurance from time to time to be free from any future problems. The expiry can result in a significant financial loss if it is not renewed. You may also be penalised for not adhering to valid insurance.

To prevent yourself from this mishap, you should be well aware of the expiry date of your bike insurance. You now have the option to know about the expiry date of your bike insurance online. The steps are hassle-free and doable.

Let's look at the ways and means to renew bike insurance online.

1. Visit the website of your insurer:
You need to go to the insurance company's website to look at your policy's expiry date. The steps are:

● Visit the website or app of the insurance company

● Sign in to your account

● Fill in all the important information and log in

● Go to the bike policy that you've opted for

● You will get all the information, including the expiry date

2. By VAHAN website:
VAHAN is the official website of the Ministry of Road Transport & Highways, Govt. of India, which keeps the records of all the registered vehicles in India. It has all the information about the insurance policies of these vehicles. The expiry date of your insurance can be easily checked on this website. The steps to follow are:

● Go to the VAHAN website

● On the designated field, enter the registration details of your bike

● Click on the button marked Proceed

● Go to the Services menu

● From the list of options, click on Additional Services

● When the new page is shown, enter all the details asked for

● Enter your registration number, chassis, engine number, and verification code

● Go to Verify Details

● An OTP will be sent to your registered number for verification

● Upon giving the information, you will see all the details, including the expiry date of your insurance

3. By Email:
Your insurer sends all the essential information, including policy documents, to your registered email ID. If you want to look at the bike insurance expiry date, you can simply search for it in your email inbox. Make sure it is the same email you used to register for the bike insurance.

4. Through RTO’s website:
For a country like India, RTO has all the given information as a record for all your needs. This also means that it has a track record of the expiry date of your bike insurance. You simply have to log in to the official RTO website and look at the process. Follow the steps to access all the information related to your bike. It also includes the expiry date of your policy.

5. State transport department website:
Most Indian states have introduced the new feature of checking your bike details online. The transport department of these websites has all the information you will need for your insurance policy. Go to the official website and enter the details to access the information you're looking for. You will have details of the expiry date as well.

These are some of the most effective ways to check the expiry date of your bike insurance. You should always renew bike insurance online to protect it against any accidents. Failing to renew your policy in time can make it null and void, and you won't be able to enjoy the benefits anymore. Damages incurred during this phase will not be covered by your policy, putting financial pressure on you.

Click HERE to renew bike insurance online.

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

As the Motor Vehicle Act specifies, every bike owner must acquire a third-party insurance policy. You may compare bike insurance online and choose the policy that offers the most value for your money while providing superior coverage. You can compare different plans with a hassle-free process.

Why is bike insurance comparison important?

Given the variety of bike insurance options available in the market, it is advised that you compare these options online before selecting the best policy for your motorcycle. Online comparison of plans across numerous categories is simple as more information is readily available. These comparisons assist you in choosing the bike insurance that offers you the most benefits at the lowest premium.

The best two wheeler insurance is a comprehensive 2 wheeler insurance plan because it covers both own damage and the legally required third-party bike insurance. Additionally, you can purchase any necessary add-on coverage to broaden the scope of your standard policy.

Here are the key elements you need to consider while evaluating various bike insurance options online.

1. Best coverage:
You may go through several bike insurance plans when comparing two-wheeler insurance online. The coverage may vary slightly depending on the insurance provider. You can pick the best protection that will work out well for you.
You should be aware that manually comparing bike insurance policies will take time. The best way is to research online and digitally compare different policies and their coverage before making the final decision.

2. Most suitable policy:
It's best to assess your needs before comparing bike insurance online. Because you will be clear on your plan's benefits, the purchasing process becomes faster. It enables you to choose the insurance policy that best fits your needs.
A comprehensive bike insurance plan is recommended for those who expect to ride their bike for a long time as it provides coverage for "own damage," and the third-party bike insurance. Your insurance provider will cover the cost of restoring the bike in the event of any damage.

This kind of insurance also provides a broad range of coverage, including protection against accidents, theft, fire, natural disasters, man-made disasters, third-party liabilities, and personal accident insurance for the bike's rider.

3. Customer support service:
Always keep customer service quality in mind when picking a bike insurance provider because it guarantees the prompt resolution of your complaints. Checking the insurer's social media pages for consumer comments, reviews, and ratings is a good place to start.
It is crucial to purchase the best coverage from a reputable insurer and the finest policy possible. Look for special services that an insurer provides, such as prompt repairs, easy pickups, helpful customer service, etc.

4. Network of service centres:
The availability of network garages is crucial for hassle-free bike repairs. You must consider the number of network garages listed under specific insurance if you want a cashless claim settlement for your bike.
Finding a nearby cashless garage during a road incident would be easier if your insurer has a nationwide network. Therefore, pick insurance with an extensive network of garages so you can benefit from quick, stress-free repair services and efficient claim processing wherever.

Don't forget to check out the chosen insurer's social media pages, brochures, and website. You will gain insight into the company's reputation. Check features like a quick, paperless, and efficient purchase & claim settlement process before concluding the deal. If you intend to purchase bike insurance online, you must abide by the aforementioned requirements to find an affordable and appropriate policy that meets your needs.

Click HERE to buy the best bike insurance for your motorcycle.

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

Car insurance is a shield that protects your vehicle and your finances in case of accidents or any untoward incident involving your car. You pay a fixed sum annually, known as the insurance premium, for availing of the insurance company's services. As your policy approaches its expiry date, you must renew it by paying the premium.

There may be instances when you cannot pay the due insurance premium on time. You may be busy, unavailable, or not have the funds to renew it or simply forget to renew your policy. What happens to your policy, then? Does it expire and lapse? No. You might enjoy a special privilege known as the grace period, which prevents your policy from lapsing.

Let us know more about the grace period in car insurance.

1. Duration:
An insurance company usually provides a 15-30 days grace period from the expiry of your car insurance policy. However, it may differ from one company to another as per the policy's terms and conditions.

2. Charges:
Normally you don't have to pay any extra charges even if you renew your car insurance policy during the grace period. There may be a penalty if you do not renew your policy even within the grace period and do it after it ends.

3. Accrued bonus:
No-claim bonus (NCB) is the bonus amount accrued yearly in your policy if you do not raise a claim in that year. You get a discount on the insurance premium amount at the time of renewal of the policy, depending upon the NCB accrued to date.
Does this accrued NCB expire if you do not renew your policy in time? The answer is "NO". You can enjoy the benefit of your NCB even if you renew your car insurance policy during the grace period. However, the NCB may lapse and become inactive if you fail to renew your policy even within the grace period.

4. Claim settlement:
As we have discussed above, your car insurance policy will still be valid during the grace period. What happens if your car meets with an accident or gets stolen during the grace period? Will the insurance company entertain your claim now?
The answer is "NO" again. Your claim will be rejected simply because you did not renew your car insurance in time. Hence, it is crucial that you always renew your car insurance policy before its expiry date or as soon as possible because accidents come unannounced, even during the grace period. The entire purpose of having car insurance coverage will be defeated in such a situation.

5. Legal aspect:
According to the Motor Vehicles Act, it is mandatory to have a valid and active car insurance policy in India. Your car insurance is technically invalid if your insurance policy expires and you enter the grace period. Hence, legally you will be driving without a car insurance policy. The police will have the right to fine you and issue a challan if you're being stopped.

6. Inspection:
The car insurance company may again send an agent for the inspection of your car if you renew your policy after the grace period expires. In such a case, you will have to bear the inspection charges.

An active car insurance policy is essential as it safeguards you against any mishap involving your car and third-party liabilities arising from it. So why wait for the policy to expire first to renew it?

You should always renew your policy in advance, so your protection remains intact. You can easily opt to buy car insurance policy online and also renew it online later. Buying and renewing a car insurance policy online is fast, simple, secure, and 100% reliable.

Click HERE to buy car insurance policy online.

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

Besides its legal obligations, bike insurance can help you avoid paying heavy amounts for any damage, theft, or mishaps. But if you buy two wheeler insurance online, you must look for the various coverages the insurance policy provides. What if your two-wheeler catches fire because of an accident or other disaster? Will your insurance policy cover it?

Fire can cause minor issues, such as wire or seat damage, or even the total loss of your vehicle. Repairing significant damages or even a total loss may cost you a fortune, as you have to pay a considerable amount for repair or replacement. Thus, it would help if you had a bike insurance policy that offered you financial assistance for the damages caused by the fire. This quick guide will help you know whether your bike insurance policy covers fire damage.

Which two wheeler insurance covers fire damage?
There are three main types of bike insurance, but coverage of damages depends on the type of policy you pick. However, here is a list of bike insurance policies and the range of coverage that each policy provides.

Comprehensive bike insurance:
Comprehensive bike insurance is one of the most popular types of insurance due to its wide range of coverage, and it covers both own damage and third-party damages. Besides covering fire damage, this two wheeler insurance policy covers the following damages:

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

Standalone bike insurance:
A standalone own-damage bike insurance policy only covers the damage to your bike. Here is the list of coverage this policy allows:

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

Third-party bike insurance:
Third-party bike insurance offers coverage for the injury or damage of a third-party vehicle. However, this insurance does not cover the damages to your bike, including fire damage. But, having this policy is mandatory by law:

● Third-party injury

● Third-party property damage

● Death of the third party

Inclusions and exclusion of fire damage in two-wheeler insurance:
When you buy two wheeler insurance online, you must know the terms & conditions and the coverage for fire damage. Here is the list of inclusions and exclusions for fire damage.

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

How to claim for two-wheeler fire damage?
If your vehicle is damaged due to fire and you have your bike insurance policy which covers fire damage. Then you must follow the below process to claim for such damages:

● Contact your insurance provider and inform them about the damage and its cause within 48 hours

● Collect various evidence, such as taking videos or pictures of the incident or the damaged parts of your two-wheeler due to the fire

● Visit your nearest police station and file an FIR

● Submit multiple documents such as address proof, identity proof, etc.

● Then the insurance provider will send a surveyor for an inspection of your case

● In case of minor repair or replacement, the insurer will offer you compensation

● In case of a total loss, the insurer will give you the amount as per the policy's terms

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

Various reasons can cause fire damage, and it can be pretty disturbing for you to pay for the repairs or replacement of the damaged parts. Thus, it would be best if you had bike insurance covering the fire damage and providing you with the financial assistance you need during an emergency. It is best to buy two wheeler insurance online, browse through multiple options and research the one that offers comprehensive coverage, including fire damage. This way, you can efficiently ensure the longevity of your two-wheeler and stay financially sound.

Click HERE to buy two wheeler insurance online.

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

Bike engine damage can be severe and adversely impact you financially. Even though it doesn't break down often, fixing the engine can be expensive. An engine protection in your two wheeler insurance helps you in case of damage caused by water getting into the engine or oil leaking and making the engine non-functional.

You always have to select it as add-on insurance, as the comprehensive coverage does not cover the engine. For a little higher premium, you may rest easy knowing that you are protected financially if the insured bike's engine suffers damage.

The bike engine protection add-on covers the cost of repairing or replacing engine and gearbox components damaged by water intrusion, lubricating oil or coolant leaks, or a hydrostatic lock of the covered bike. The engine protection add-on is essential that you should consider when buying bike insurance.

The two-wheeler engine protection cover's advantages are as follows:

• It covers the cost of the bike's most expensive component - the engine

• Protection against physical harm caused by hydraulic lock to the engine and gearbox

• Financial protection against engine oil or lubricant leaks caused by water intrusion

• Provides monetary security

• Ideal for residents of flood-prone areas

The engine protection add-on does not cover the following items:

• Any maintenance or replacement due to normal wear and tear

• Repair or replacement of an internal part of the engine or gearbox because the driver was drunk, illegally racing, or the bike was driven while the driver's licence was invalid

• Damage or losses caused by engine corrosion

• The price of lubricants or engine oil

• Any claim made following the deadline for notifying the insurer of the incident

• Any claim in which engine parts were repaired or replaced without first notifying the insurance provider

• Any claims that are beyond the manufacturer's warranty

Do you need an engine protection add-on?
When you buy insurance from 2 wheeler insurance India, the "Engine Protection" is generally not covered. It is an advantage that is provided as an add-on. You should opt for this feature if you live in a region prone to flooding. For a small additional premium, you can relax knowing that the most expensive component of your motorcycle is covered and stop worrying about unexpected repair costs resulting from engine damage.

Who should purchase the engine protection option?
With a small cost on your annual premium, the engine protection add-on cover provides additional protection. For the following reasons, it would be best if you gave some thinking to get the bike engine protection add-on:

• If you have just purchased a new bike

• If you live in a flood-prone location

• If you want financial protection against significant damage to the engine parts

Understand that any damage to the engine's internal components can be expensive. To prevent unintended damage to the engine or gearbox components, check the engine oil level frequently. The bike should be serviced regularly as per the schedule, and you should change parts like the air filter and oil periodically to keep the engine running smoothly.

Avoid over-accelerating the engine because this could cause it to overheat and harm its internal components. Also, avoid buying duplicate parts during any post-damage repair. Lastly, buy a reliable 2 wheeler insurance India with an efficient engine protection add-on to enjoy an exceptional benefit.

Click HERE to buy the best 2 wheeler insurance India.

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

The MV Act, or the Motor Vehicles Act of 1988, regulates the legal environment surrounding motor vehicles. It states that every car owner must buy new car insurance after acquiring a new car or renew it immediately after its expiry. It is one of the three must-carry-along documents for drivers, including a PUC certificate and driver's licence. With increased regulations and growing awareness regarding the financial burden of shouldering expenses in case of an accident, the policyholder base of motor insurance has risen steadily.

Despite the importance of car insurance, it cannot be said to be a comprehensive policy. Some aspects are left out in the document's fine print and are available as add-on facilities. Therefore, while most people know the need to buy new car insurance, only some are aware of general exclusions.

A typical example is the consumables in car insurance, which is discussed in detail in this blog.

General inclusions under car insurance:

While each insurance company may offer a slightly varied version of car insurance, generally, third-party car insurance covers accidents that cause damages to other parties or their properties. Without such a policy, you will have to bear the losses and compensate the affected party.

A comprehensive policy has two aspects, a third-party car insurance policy and own damages cover. Thus, it provides enhanced protection against personal injuries and manmade and natural disasters. Since consumables are nowhere mentioned as included, it is implied that they are an exclusion from the policy.

Understanding consumables:

Consumables in accounting refer to assets used within the process and are sometimes held on standby for future use. The former part of the explanation applies to consumables in cars. These items are used in the general running of a vehicle and are subjected to continuous wear and tear.

Consumables in a car can be identified as brake oils, engine oil, lubricants, refrigerant for AC, ball bearings, nuts, screws, bolts, washers, etc. In simpler words, they aid in the efficient running of the vehicle without forming a large chunk of the cost and are put to use regularly, which is why they deteriorate faster than other car parts.

Consumables insurance:

While consumables may not appear to be a prominent aspect of the relevant cost incurred in purchasing a car, they play a crucial role in the proper functioning of the vehicle and must be noticed. It is prudent to insure your car's consumables to prevent any financial losses you may have to bear due to improper condition of consumables.

Although not included in comprehensive insurance, insurance companies provide the facility to select add-on consumables insurance by paying an additional premium for the service.
Add-on consumables insurance covers expenses incurred for replacing items like engine oil, brake oil, steering oil, coolant, AC gas, refrigerant, dust filters, air filters, engine filters, bolts, nuts, washers, screws, grease, etc. It is important to note that consumable insurance is usually provided for cars not used for more than five years.

Exclusions of consumables insurance:

It is a specific add-on insurance type that only covers relevant costs relating to consumables. The general conditions to claims are similar to any other car insurance or allied add-on facility. In the following conditions, the claim is not admissible:

● Driving without having a valid driver's licence

● Driving under the confluence of substances or liquor

● Misuse of personal vehicle for commercial use

● Prolonged delay in informing the insurer regarding the replacement of consumables

● Misuse or overuse of policy to claim the maximum benefit, as against a rational person's actions

Consumables play an essential role in a car and must be considered when you buy new car insurance. The policy is purchased by fulfilling common conditions similar to car insurance. It helps file a claim for replacement costs of consumables by informing the insurer.

Click HERE to buy new car insurance policy.

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