GENERAL INSURANCE BLOG

Researching what type of bike to purchase and comparing its features is not enough; getting a test ride of your chosen model is equally important. It is a thumb rule not to buy a vehicle until you take a test ride. Test driving helps you to determine if the vehicle model is the right choice for you.

Getting reviews about a product is undoubtedly advantageous, but remember not to make up your final opinion solely based on that. Do not decide upon a model until you have tried the two-wheeler yourself.

Here are ten quick tips you should keep in mind while testing a two-wheeler that you are looking to buy:

1. A new bike will be in better condition than a test bike. Not all dealers make an effort to keep the test ride motorcycle in its excellent shape.

2. Make a mental note of where and what the controls are. Naturally, every bike has a different build and console. Therefore, before you hop on a vehicle, it is vital to know its layout. It is necessary to understand how the new bike will complement your daily commuting needs.

3. Pay attention to how the basic components impress you. That includes the comfort of its seat, clutch force, gear change efficiency, effortless braking, smooth acceleration, and overall performance.

4. Examine the effectiveness of brakes. But do not make a sudden emergency stop to do so. A modest stop or two will also give you a more precise idea of its capacity.

5. Instead of being influenced by the riders in advertisements, consider performance in the context of your daily travel. It is always a good idea to believe in your instincts and judgments rather than what others say.

6. The engine is the heart of any vehicle. It is crucial to verify engine performance thoroughly before making the final decision. Observe the bike's reaction to the throttle at a low speed in high gear and vice versa.

7. Don't forget to check its off-roading capability. Road conditions you cover regularly might not be as good as the ones near the showroom. Hence, ride through some unsophisticated paths to check for the sturdiness of the two-wheeler.

8. Look for ease of use as per your requirements. You cannot gain the confidence to handle a bike right away. Therefore, check to see if the bike's features respond to your expectations without any trouble.

9. Note down what doesn't please you. Then examine whether those things are changeable or replaceable.

10. Apart from examining the bike, ask these questions to your dealer; What does the warranty cover? What is the maintenance schedule for the motorcycle? What is the cost of essential services at the dealership? Is insurance covered, and what is the price of annual 2 wheeler insurance online?

Remember to be entirely sure about the bike before making a purchase. And If you're still indecisive, ask to take the two-wheeler for a second test ride or until you are confident. Once you've chosen to go from test riding to buying, be sure you have the right insurance coverage for riding your newly bought two-wheeler on the roads. Get Magma HDI's 2 wheeler insurance online with the additional benefits to give your two-wheeler lifelong protection.

Check out the best 2 wheeler insurance online HERE .

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.

George Bernard Shaw had once said, "There is no love more sincere than the love of food". And for Indians, this relationship is above and beyond that. They don't just love food, they worship it. As the world is growing more connected, Indians have developed a unique relationship with international cuisine from across the globe.

To give your taste buds a chance, here is a list of trendy international cuisine famous in India that you shouldn't miss out on!

Italian cuisine – get obsessed with pasta and risotto:
Most Indians are already familiar with Italian recipes like pizza, pasta, or risotto. Indians can't go days without eating a pizza which is almost like their comfort food. Some are seeing this paradigm already shifting; imagine restaurants are experimenting with tandoori pizza! Besides pizza, people are even hyped up about pasta and lasagne.

Korean cuisine – spice things up:
Koreans have our hearts. From their music to food, everything about their culture is impeccable. Korean cuisine mainly consists of rice, seafood, and vegetables. Some of the top Korean cuisines that should be on your menu include Kimchi, Bulgogi, Korean fried chicken, and Red rice cakes, also known as Tteok-bokki.

Japanese cuisine – feel the magic of the sea:
People in India are crazy for spices and flavours, but they would never think twice when it comes to Sushi. This delicious combination of both fish and rice with some special sauce is becoming a favourite among modern dinners. If you are a fan of exotic vegetarian dishes with noodles, you won't miss out on some of the Japanese restaurants in India.

English breakfast and high tea – a western culinary influence:
Like a favourite story, who knew Indians would always love something from the UK so much. Tea is India's most beloved beverage, which has become a tradition as an evening high-tea in fine-dining restaurants. Pancakes are another delicacy ruling over everyone's heart that now Indians are shifting from idli-dosa to pancakes for breakfast.

Thai cuisine – taste happiness:
Thai food is one of the few global cuisines that Indians genuinely love. Thai food is a mixture of so many ingredients altogether, and Indians love all the hidden flavours and aromatic elements of it. Today, Thai curry has become a part of most Indians' kitchens.

American cuisine – a heavenly delight:
And always keep the best for the last. Indians have loved American cuisine for years now. With numerous American fast-food chains opening their outlets all over the country, American food culture has gained popularity among both young and adults. Chicken wings, tacos, steaks, and salads are the new favourites today. Almost everyone's go-to food is now cheeseburgers and sandwiches.

Food is perhaps India's biggest obsession today. If you are a foodie and looking for some famous cuisines, there are endless options you can find. You can even participate in several International Food Festivals to delight yourselves with the best food from around the world. But, also remember that having a well-balanced food with appropriate calories and enough nutrition is a key requirement for good health. A growing number of restaurants, health consultants, fitness experts and online health insurance advisers recommend food as prevention-based medicine.

Having a sensible approach towards your choice of food can help you with improving health outcomes or driving down healthcare costs and online health insurance premiums. So, next time, incentivize your better decision-making with those exotic and international food menus as a way to improve your health too!

Click HERE to know more about online health insurance plans 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.

Being a parent is always a testing situation and becoming one during COVID-19 adds to the many new challenges. The pandemic means significant changes for newly become parents. Keeping the kids confined in the house leaves an impact on their overall development. Here we look at how new parents can navigate this difficult time and upbring their little ones as a gift for entering parenthood.

1. To encourage trust-building, expose your child to physical presence and emotional connection with you and your family.

2. Imitating facial and other expressions is a natural act of every infant. Therefore, smiling, sticking out the tongue, and hands movement are good ways for your child to study and follow you. These innocent gestures will assist you in finding out what they need and even how they feel before they have the words to say it.

3. Allow them to have physical movements on their own. A significant part of a child's overall growth relies on how much they move. Hence, let them indulge in activities like walking, running, dancing. In addition, motivate them to play outdoor sports to stay active and fit.

4. Never leave a baby unattended and ensure a high level of safety with a baby-proofing setting done for the house.

5. Pose basic questions to your toddler and correspond to their attempts to communicate.

6. Allow your child to select an activity where you can spend quality time together, avoiding disturbance and making it your daily favourite time with them.

7. Allow them to speak out their tantrums. Encourage them to be more vocal towards the people they trust.

8. Engage them in activities and games from which they can learn, for example, shapes, colours, numbers, alphabets. If learning is made fun during the first years of children, they grow healthy.

9. Read aloud stories together and ask questions about what they observe in the stories. This cultivates interest in your children and makes them feel curious about new things with deeper perspectives.

10. Applaud for their help. Let your kid know your feelings when you see them doing house chores.

11. Find ways to share with them why moral values are significant in life. For example, make them understand the importance of helping others and doing their work with loyalty and dedication.

12. Last but not least, try to be your child’s best friend first and live the moments. They always look for a friend in their parents. Be the one!

Raising a child is something that no one can prepare us for. Just like your newborn, you too will learn as you go. The initial years with your child will take up most of your time and even leave you exhausted, but this is the best opportunity to cherish a beautiful bond with them.

Every parent has ongoing concerns regarding the growth and safety of their kids. Lay the foundation of a healthier tomorrow for your little ones by investing in the best health insurance in India for parents that covers your as well as your child’s health. Kids receive health insurance benefits from the family floater plans until they turn major.

Click HERE to know more about the best health insurance in India for parents.

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

Justifying the name, first-aid kit is the immediate response of medication at the time of emergency. Those initial moments can help prevent an injury from getting critical during an accident and can potentially save the life of someone on the road.

A first-aid kit in the car is essential for many situations that don't require the help of a medical professional. Most of us spend our time travelling, either for work, holiday, shopping or long drives during weekends. Unfortunately, with roads becoming more prone to accidents, the probabilities of mishappening are common.

In such situations, having a first-aid kit in your vehicle enables you to avoid severe complications until help reaches you. For the minor injuries, a first-aid kit will be a saviour to cure cuts, scratches, and other minor wounds.

The advantages include:

• Helps prevent injuries from getting worse: It is crucial to address the minor cuts or wounds developed after accidents before they turn septic. Leaving the wounds open will invite infections, and in no time, you will start feeling weak. Avoiding such situations by using first-aid is the best thing to do. Soak the cotton with antiseptic liquid and gently apply it over your wounds or scars and clean the area thoroughly. Later, use bandages to cover the wounds and let them heal at their own pace.

• The belief of being safe: Having a safety kit in the car will give you the mental satisfaction of having resources ready in case of emergencies. It makes you feel prepared to take good care of yourself even when driving solo. Another add-on to this belief is valid car insurance, which provides financial protection against any eventuality.

• Be the saviour in the crowd: If you ever witness any severe accident, having a first-aid kit will make you the first responder. You can treat and bandage the wounds to prevent excessive blood loss that can deteriorate the injured person’s health. Remember, your alertness and courage can save a life.

Must-haves in your first-aid kit:

A first-aid kit is a personal resource for emergencies, and everyone may keep them equipped with the accessories they think they may need. However, here is a checklist of some essential items that should be in your vehicle's first-aid kit.

• Cotton (swaps) and bandages

• Basic antibiotics, antibiotic cream and pain relief spray

• Hand sanitizer

• Antiseptic wipes and antiseptic liquid

• Safety pins, scissors and a tweezer

• Gloves

• Rehydration sachets

• Torch with extra batteries

• A thermometer

You must check these necessities before you pack your vehicle's first-aid kit. Additionally, ensure that you keep a list of contact numbers (family, friends, doctor, etc.) so that in case of any severe injuries, someone can reach out to your close ones and inform them about the event.

Preparedness can prevent unexpected situations from getting worse for you. Whether you are travelling alone or travelling with your friends or family, you shouldn't compromise safety. The earlier you understand the importance of having a first-aid kit in your vehicle, the better it’ll be for you.

In addition to it, for the safety of your car during mishaps, consider getting car insurance. Although having car insurance cannot prevent accidents, it can assure financial security during emergencies. As it is rightly said, "It's better to be safe than sorry". With these small precautionary measures, you can keep big troubles out of your way. So, travel safe, travel responsibly!

Click HERE to get the best insurance for your car.

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

Morning chill, dense fog, and cold weather are the signs of winter's arrival. Even visualizing yourself riding through the empty roads in freezing weather can shiver you with cold. Riding a motorcycle in winter can be challenging. Therefore, proper winter gear, clothing, and some tips are essential to consider while planning cold weather riding.

In this space, we've shared our best recommendations to make your winter motorcycle riding plan fool proof.

1. Warm yourself up; feel the heat:
Layering! Wind-blocking is simply the formula. Before you even think about your bike jacket, you need to put some layers of clothing barriers in place right near to your skin. Here's a brief guide.

• The base layer – a warm t-shirt

• A hoodie or fleece

• Motorcycle jackets – leathers aren't particularly appropriate for the cold. Instead, choose a warm, waterproof textile alternative

• A neck warmer or snood – especially if you're riding on the highway

• And finally, suitable warm gloves

• Layering your torso isn't enough. Invest in winter boots, layer-up socks, and pants

2. Charge up your batteries; don’t let them chill:
The chilled months can be difficult for your bike's battery since the colder temperature delay its chemical processes, causing it to cease operating. To keep it charged, you must ride your bike regularly. Utilizing a trickle charger to keep the battery completely charged can also help.

3. Ensure visibility; keep your vision clear as your enthusiasm:
Install a pin-lock and wipe your helmet visor with running water to keep it clear and fog-free. Don't go scrubbing since the salt and grime will damage your visor and cause it to become foggy.

4. Helmet; not for fashion but protection:
You should consider purchasing a winter-specific helmet with reduced front-end ventilation. And a visor that doesn't allow fog to settle in. Only buy a helmet that has ISI certification.

5. Clean your bike; to have consistent running:
Cleaning your bike in winter can be difficult, especially if you know you'll have to do it regularly. But hear us out, cleaning off the road salt can make a significant difference in the start of corrosion. You can use a protective lubricant and anti-corrosion spray to avoid components from melting into a puddle. It will also make cleaning the bike faster and easier. Winters invite unexpected damages and repair works to your bike. Next time when you buy warm clothes to be winter-ready, consider checking your bike maintenance and bike insurance policy to ensure your preparedness against the weather.

6. Monitor the weather; be the forecast expert:
Following the weather forecast is a must for every motorcyclist, especially during the winter months. By checking the weather online, you can prepare for a foggy day or lovely day accordingly.

Whether you’re planning for a long ride or a short trip to your neighbourhood store, cautious riding is essential to help navigate cold and wet roads. The freezing weather outside determines more than you think; when to slow down, be smooth, maintain enough distance for braking, following essential tips and ensure bike insurance to cover you for any eventuality. So check back regularly the above tips for comfortable riding and keep you protected on the bike throughout winter.

Click HERE to know about the best bike insurance plans before your next bike ride.

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.

Bungee jumping is a growing obsession for thrill-seekers. It is one of the terrifying and exhilarating moments of your life when hanging with an elastic rope and throwing yourself off a great height. There are no signs of decline in its popularity, with the gen-z and millennials becoming the trendsetters.

It is a mental hurdle, and by overcoming it, you will experience the freedom which is unparalleled to anything. And once you have experienced your first jump, you won't be able to wait for the second. You want to face the fear and get a craving for jumping into the unknown. So, here are ten tips for you to follow before attempting bungee jumping.

1. Do not visualize:
Though your thoughts suggest otherwise, why expose yourself to the risk of overthinking and psyching yourself out? Avoid thinking about how anything could go wrong. Dwelling on things beforehand never helps.

2. Get ready to face your fear:
Yes, the events that lead to the final moment will scare you. Climbing to that height, wearing the safety equipment will panic you. Just before the jump, the adrenaline will numb your senses. And once the instructors say 'jump', you dare to leap.

3. Choose your location:
It is true; the scenic surroundings will be the great background of your experience. Pick a place you genuinely like and are comfortable with. It is not just about the jump but the whole experience. Choose to jump over a forest or river, whatever feels serene to you.

4. Do not stress-eat:
Especially people with a fear of heights tend to overeat. To remain active, consume energy drinks, fruit juices, or bland food. Overeating leads to vomiting, and that will spoil your mood.

5. Choose a reputed company:
Do some research to find a company that has expertise in this business. Find whether they have adequately trained instructors and follow all the safety measures. Check online reviews, costs, and experience before coming to a decision.

6. Safety must come first:
Remember that, apart from choosing a trustworthy and reputed instructor, you also need personal accident insurance to cover any mishap. Many adventure companies even ask you the same at the time of registration. So, if you don't have one, you can still buy personal accident insurance online.

7. Comfortable clothing:
Go for comfortable clothes such as t-shirts, shorts, and pants. The goal is to feel free and light, so avoid dresses, skirts, or extra accessories.

8. Do not look down:
The instructor asks you to always look straight. Do not look down, as it will only give you more anxiety. Instead, viewing straight helps you relax and be in the moment.

9. Trust the process:
Thousands of people have successfully tried bungee jumping before you, so do not worry. Also, have faith in the instructors; they are professionally trained and probably do this a dozen times a day!

10. Bring someone along:
Sharing this extraordinary experience with a friend is the best way to feel less tense. Thus, if you have a partner, you will make a memory with them for a lifetime.

Once you float in the air, enjoy every single second of this gentle swing. A reputed instructor makes you feel safe in the air and have the experience of a lifetime. Stick to these guidelines, follow all safety precautions, and have personal accident insurance online before you take your first jump and feel accomplished, feel unstoppable.

Thought about getting a personal accident insurance policy yet? Click HERE to know more.

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 worked your entire life to become financially happy. But, what about your passions and dreams? Somewhere at the bottom of your heart, you wanted to pursue your passion but had to give up the dream due to the challenges of the earning days. What you were passionate about in your 20s or 30s may not be the same when you grow old.

Most adults question how they can find their passion again in their 60s or 70s. They feel that retirement is the “final point” of their life. But, as someone rightly said, “Retirement is not the end of the road; it is the beautiful start of a new journey”. Finding your passion after your retirement can be challenging, but it is not impossible. Therefore, we created a list of ten valuable tips that will make this process more accessible.

1. Avoid severe injuries:
We might think that sitting on the rear seat is safe, but that's not true. During accidents, the rear seat passenger might get badly injured. Injuries on prime parts of the body like the spine, head, abdominal can be life-threatening. To save yourself from this, make sure that you wear the seat belt correctly. Unfortunately, some cars have installed only lap seat belts, which are not entirely secure. Three-point seat belts are a better option, which have shoulder and lap belts to support the passengers' chest, shoulder, and pelvis.

2. Learning has no expiry:
Sometimes you may feel that you are not talented enough to follow your passion. However, the truth is, it is never too late to learn something new. Education has no age limit, and therefore, you can explore and learn various things through a medium that keeps you engaged and motivated.

3. Find what makes you happy:
Sometimes passion is all about things that make you happier than anything else. So, question yourself about the activities that make you truly happy or what will you regret not doing in life? Having answers to these questions can guide you towards pursuing your passion.

4. Step out of your comfort zone:
After their retirement, people feel like their lives now require a slower pace. Especially considering their age factor, people tend to think that it’s “too late” to follow their passion. Although age can play a role in physical capabilities, it does not limit your potential. You may not be as active as you were in your teenage years, but finding your passion can bring the lost joy back in your life. So, just give it a shot.

5. Recall your childhood:
Go back to the years when you were in your school or college. Put a spotlight on what you were passionate about, and then note down all the things you did as a “hobby”.

6. Take inspiration from online resources:
The Internet is a pool of free resources. Explore your options by checking out free courses online, books, shows, podcasts to keep you entertained and sane at all times.

7. Discuss with your dear ones:
Talking to your loved ones about finding your passion can help you find what’s the best for you. Your family and friends are the best advisors as they know what you love, and they can guide you on what you need to do ahead.

8. Pay attention to your thoughts:
Our mind usually dwells in our thoughts about the things we love. Pay close attention to what you think and what activities make you feel excited. Chase the feeling that inspires you to do more!

9. Take advice from a life coach:
Life coaches are experts in the field and know how to work the best in your interest. Consult the best life coach to guide you towards the next steps.

10. Prepare a list of all the activities and get working:
Lastly, prepare a to-do list to start experimenting and working on each option. You may include activities such as travel plans, world tours, settling in a farmhouse, or just a game of golf with your old mates on your bucket list.

Retirement is the start of the golden era in your life, and while it is essential to explore all the possible options, you should always prioritize your and your family’s health. Being healthy improves your overall quality of life and inspires you to pursue your passion. But, on the other hand, you won’t want your savings to blow away with all the hefty medical bills you may encounter in any unwanted situation. Therefore, make sure that you get a health insurance policy for family to live a peaceful and passionate retirement life!

Consider the positive side; investing in a good health insurance policy for family can boost your mood to experience a whole new kind of life ahead!

To know more about the health insurance policy for family, Click HERE .

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.

Technology is paving the way for convenience in all businesses, and even food delivery businesses are taking advantage of it. In today’s fast-paced life, people find online food services most helpful. They love it when their favourite dish is ordered and delivered through online food delivery apps.

According to studies, the food delivery business is rapidly growing in India at a 25 to 30% rate. This opens yet another stream for entrepreneurs to dive in to cater to the expectations of urban middle-class Indians. If you are thinking about running a food delivery business, here are a few essential tips you should consider.

1. Get a targeted audience:
Before setting your food delivery business, you need to spot your potential customers, their buying behaviour and eating habits to give you better insights about

• What do they like to order, which cuisine attracts them more?

• When do they place orders the most, lunchtime, evening snacks, or dinnertime?

• Where is the maximum order coming from? Is it their homes or the workplace?

2. Be discoverable online:
Since the large urban population places online food orders, having a mobile application makes your businesses discoverable and accessible to potential customers. But, to get an edge over your competitors, you need to carefully address the frustrations and expectations of customers in the food business. Have an impactful website or app and add it with high-quality images and a variety of food and restaurant menus. Keep the user-friendly interface right from searching for restaurants to selecting the dish and finally making the payment and getting the food delivered. Regularly update your app and website to fix the bugs and add security patches to provide uninterrupted services.

3. Delivery network:
Hire delivery staff that are experienced and reliable. Verify all the documents such as the valid driving licence or previous work experiences before appointing them. Remember that the delivery vehicles should also have valid registrations papers and 2 wheeler insurance. In haste to deliver the order, don't allow staff to break the laws. So, if you don't have an insurance policy, you can quickly buy 2 wheeler insurance online to save time and keep running your business uninterrupted.

4. Legal license and documentation:
To run any business, you need to have proper licenses and government approvals. Get all the government-authorized documents such as shop act license, health trade license, NOC from the municipality, GST registration, trademark registration, business permit, and E-commerce agreement.

5. Marketing and promotions:
You must have a perfect brand name and a tagline to ensure that it catches the eyes immediately. Then, design a brand guideline, specify all the important details like logo, colours, and highlight your business’ USPs that make you better than competitions.

Consider implementing launch ads marketing campaigns with some discount to draw traffic to your website. You can also flash exclusive festive offers or weekend bonanzas to attract more customers. Discuss these offers and terms with your partner food joints to collaborate and promote these offers on your official social media pages.

With every repeat order and a new customer, you taste the success of the business. Remember to impart adequate training to your delivery staff on hygiene, personal care, healthy customer interactions with other drivers and food joint owners as they represent your brand all the time. Also, consider their well-being, ensure they drive safely, and your vehicles are insured. In case you haven't thought yet on these lines, consider taking a 2 wheeler insurance online.

The food delivery business has made it easier for everyone to buy from the local restaurants without going out. The growth of the 'cashless economy' has also contributed significantly to the digital food ordering business. So, capitalize your food delivery business, bring small restaurant owners, deliverymen, and technology together and turn it into a big cloud kitchen to reach every home and win every heart!

Click HERE to buy a 2 wheeler insurance online with a few clicks.

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.