GENERAL INSURANCE BLOG

It is annoying to drive in wet weather when the temperatures are slightly lower and your helmet visor starts to fog up. This greatly reduces visibility, making accidents and mishaps more plausible. As accidents and deaths relating to driver negligence in these matters are on the rise, the fines levied on bikers have also been increased so that they are more mindful of it.

The question is, how do you prevent your helmet from fogging up? This blog aims to answer just that.

The science behind fogged helmet visors:
The air you breathe out is always considerably warmer than the air you breathe, that is, the atmospheric air. Especially in colder temperatures, the exhaled air is much warmer than the air outside.
This difference in temperature results in the visor having a very cold surface, which, when brought into contact with the warm air that you breathe, immediately has small water droplets on it. This is the reason behind your fogged helmets. Fogged helmets are a traffic violation, and you might have to pay hefty fines if caught.

Tips for prevention.

1. Balaclavas to the rescue:
A balaclava is a close-fitted piece of cloth, usually made of cotton or wool, which covers the whole head and neck, except the eyes. It is the most effective way to prevent helmet fogging in winter and keep the head and neck warmer.
However, it should be of utmost importance to ensure that the material is of good quality and has good breathability. This is because the cloth might sit on your face for long durations, so it shouldn't be an itchy material and should not hinder the driver's ability to ride the bike.

2. DIY water repellents:
Bringing expensive products to prevent fogging might be a good investment, but it feels even better if the job gets done for free. A few things in your pantry might help with this problem. Putting a thin layer of fabric repellent on your visor can prevent the condensation from staying at your visor.
Being a water repellent, it makes the water slide off the visor. The same can be done with a potato, but you should not rub it too much, or the visor might look milky and obstruct the driver's vision.

3. Give the visor breathing space:
Ventilation is the key to having a clean visor. Open any vents that are available to you. Also, keep the visor cracked open by just a bit, just enough that cool air from outside can come and reduce the difference in temperature between the two areas. You can do this by using a piece of tape.

4. Pin-lock inserts:
This is a costly but sure way to prevent any fog on helmets. It's an additional layer in front of normal helmet visors that stays considerably warm compared to the outer visor, thus eliminating any condensation. If your helmet doesn't support pin-lock technology, you can install a pin-lock into your helmet by drilling two holes into it and inserting it.

Maximum precautions should be taken to keep you, your loved ones, and others on the road safe. However, mishaps might happen. You won't want to drain your finances in the making up for the loss due to such uninvited events. What's the solution? Buy two wheeler insurance India to keep you insured and financially secure.

Click HERE to know more about 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.

An active insurance policy for two-wheelers protects you against damages caused by an accident, theft, and damage to a third party's vehicle or property. An active insurance policy is a must because two-wheelers are more prone to accidents than four-wheelers.
Also, an active insurance policy is compulsory under the law. As per the new Motor Vehicle Act, 2019, the fine for riding a two-wheeler without a valid insurance policy is a hefty Rs. 2000 and/or imprisonment up to 3 months.

If caught without a valid insurance policy for the second time, you may have to pay a fine of Rs. 4000! Hence, if your two-wheeler insurance has lapsed, immediately renew it, not just to be safe from being penalised but to have secure financial coverage for your two-wheeler. You can now easily renew two wheeler insurance online India with a few clicks and hassle-free payment.

Let us go through the consequences of delayed renewal and a lapsed two wheeler insurance policy in India.

1. Loss of cover:
The insurance cover ceases to exist from day one of the non-payment of the insurance premium for the renewal of the policy. This means that you should always renew your policy a few days in advance and never wait for the policy to expire first and then renew it. The insurance company will not cover any of the damages due to accidents or theft of the vehicle after the expiry of the policy. It will also not cover any third-party liability arising from an accident caused by you.

2. Delayed renewal:
There may be certain situations when you cannot renew your insurance policy in time. You may be ill, out of city or country, or forget the renewal date. To deal with such situations, a two-wheeler insurance policy provides a grace period of 90 days after the policy's end date. You can renew your policy within these 90 days, and the insurance company will create the policy as a "break-in". Such a renewal is termed a delayed renewal.
The delayed renewal allows you to claim certain benefits, such as your NCB. The "No claim bonus" accumulates yearly if you do not make any insurance claim. It is a sort of discount that you can enjoy in the insurance premium at the time of renewal of the policy. Over a few years, the accumulated NCB can help you save around 50% of the insurance premium.

3. Lapsed policy:
A policy cannot be renewed after the lapse of 90 days grace period that the insurance company provides. You will lose any unique benefits from your previous policy, such as the accumulated No Claim Bonus. The renewal premium will also be higher than what you pay in an existing policy. Moreover, you will have to get a fresh inspection done for your vehicle by the authorised person from the insurance company. You may have to bear the inspection costs as well.

Any insurance company will stop the protection cover immediately after your two-wheeler insurance policy expires. Unfortunately, if you meet with an accident even on the next day after your policy expires, the company will not compensate you for any claim.

Therefore, the best way to deal with such a situation is to renew your insurance cover in time. Renewing a policy has become quick nowadays with the emergence of two wheeler insurance online India. You need to keep your old insurance papers handy, visit the insurance company's website, go to the renewal section, make the required payment, and Bingo! Your renewal is done!

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

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

The drive-in movie culture has always been popular in foreign countries but has recently become popular in India. These drive-ins provide entertainment opportunities at affordable costs and are a different experience compared to the traditional affairs of watching movies in theatres. Watching a movie with your loved ones, within the comfort of your own car/vehicle, under the spell of the stars and the night sky sounds like a dream.

Now, combine the fantastic experience of the drive-in movie with owning an electric vehicle or any vehicle of your choice. While it all sounds hunky dory, along with enjoying the interiors and familiarity of your car, you need to ensure that your vehicle's battery does not suffer any adverse impacts. Now, why would that happen? Well, most of the time, people keep the air conditioners on, the headlamps on, frequently turning the car on and off, and many other reasons. And, they unknowingly kill the whole drive-in affair!

These components are what make the fun of the drive-in affair! But did you know that you can enjoy a drive-in movie experience without draining your car's battery? Yes, you can. This blog will discuss some tips to help you understand the measures you can take to avoid decreasing the longevity of your battery and depleting the power. Let's get started!

1. Do you need those headlights on?
The duration of a movie lasts somewhere between one and a half to three hours. Keeping your headlamps and other lights switched on can be very draining on your electric vehicle's battery. And if you analyse, you do not need the taillights, and the headlights are always on during the movie.
There is sufficient light in the drive-ins for you to figure out your path and parking whenever needed. And switching off the lights can help you save power to run the car radio optimally, through which you can listen to the movie. The car radio does not substantially impact the battery, so you do not have to worry.

2. What to do about the engine?
You can run your engines for a short while. This would help you charge the battery of your electric vehicle as required. This charge would be sufficient to run the car's audio system to help you gain the optimum movie experience without extreme drainage of your vehicle's battery.

3. Make sure to check the batteries.
Whenever you have a drive-in movie plan, check your car batteries before you head out. If the batteries are old and worn out, they will drain quicker. If you find the battery ready for replacement, get it done. Newer batteries won't drain out as quickly, and you can be far from worrying about the depleting charge. Once you have obtained new batteries, head out for your movies and enjoy the marvellous experience.

4. Portable radio can also be your go-to option.
Usually, drive-in movies use FM radio (Frequency Modulation) to transmit the sound signals from one source to multiple sources. The car's radio helps you tune in to the frequency you can use and then enjoy the movie without any inconvenience. But, this does drain your battery, even in the slightest capacity. To avoid this, you can use portable radios that run on batteries.
Using these options will avoid draining your car's battery. Adding to this list is disconnecting all the additional features and devices like the sub-woofers and the amplifiers from the radio as they would consume more charge and drain the battery during the usage of the radio for the movie audio.

While talking about the longevity and health of your battery, it is also essential to be prepared for any uncertain circumstances that can potentially damage your car. To stay prepared and not be financially pressured during such stressful situations, you must ensure that you purchase the best car insurance that suitably caters to all your needs.

And now, you can buy car insurance online while enjoying the ease and comfort of your home. So, the next time you plan to move out for a drive-in movie or any other adventure in your car, make sure you have car insurance and other important documents handy.

Click HERE to know more about how you can buy car insurance online.

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

Ever heard the saying, "We are what we eat?" Our food habits significantly impact our lifestyle. Everyone is busy in a never-ending race, from office-goers to on-field workers and from school kids to college youth. As a result, our health habits go on a major toll. And eating habits are the most affected among all. Irregular eating time, skipping meals, and feeding on junk food are crucial problems that adversely affect our wellbeing.

It gradually becomes a part of our routine to consume packed food while travelling to work or have a round of burgers or pizzas with friends on the way back home. Consuming excessive junk food can be alarming in the long run. Should you stop munching on junk? It can be daunting to avoid junk food consciously. But do you think it is worth putting your health at stake for momentary pleasures? Certainly not!

Unless you work it off, you cannot help but become obese and get tangled up in a web of health issues. So, if you struggle to control your temptation, this article is for you to understand why it is essential to give up on junk food.

1. Get into the perfect shape:
It is vital to be informed about the harm that junk food can cause to our bodies. Junk foods constitute sugar, sodium, and fat, which makes people gain unwanted weight. By quitting these foods, you can reduce your calorie intake. It is a gradual process; eventually, you could feel a drastic dip in your energy levels.
Take baby steps by initially cutting down high-fat dressing. Consistently skip eating junk, and you will observe your body getting moulded in the perfect shape.

2. Fast food is addictive:
You can quell your hunger pangs with salty, sugary, fatty foods. But over time, you become addicted. It isn't surprising since it's flavourful, instant, and light on the pocket. So, it is almost inevitable for us not to crave badly just to get a bite of it. But you need to cut off the addiction and take a leap of faith to become healthy again.

3. Depression and anxiety:
Junk food consumption takes a toll on a person's mental health in the long term. Vitamin deficiency can cause brain-related problems and affects its growth and functioning. So, think twice before you consume excessive carbs.

4. Vitamin deficiency:
All the caffeinated drinks and greasy, high-fat food only lead to vitamin deficiency. These junk foods don't contain vital minerals, fibre, and healthy fats. This can make your body weak over time and develop uninvited health issues from an early stage of life. At times it can lead to medical emergencies. Invest in a health insurance policy to prevent these emergencies from venting into your pockets.

5. Inconsistency in sleep:
Nothing can be a great killjoy for a sleep-deficient person than junk food. Regular consumption of excess sugary items can hamper your precious sleep time. This would affect your efficiency at work. Thus, cutting down these would make you feel energetic and confident every day.

6. Health problems hit hard:
Regular consumption of oily or processed food can increase blood pressure, high cholesterol, etc., leading to various heart diseases if not controlled in time. The stomach suffers the most with severe pain, irritable bowel syndrome, acid reflux, vomiting, diarrhoea, heartburn, etc.

All the endless health problems junk food can cause are evident. The faster you realise, the quicker you heal! There is nothing greater than good health, and ensuring it is in the best shape is individual responsibility. Staying healthy doesn't mean giving up on the things that you love to do. You need to figure out the healthy alternatives and prevent the flavours of life from fading.

Another healthy habit besides avoiding junk food is to purchase a health insurance plan for you and your dear ones. By doing so, you are already taking a step towards a healthier lifestyle with the comprehensive coverage you can depend on during unavoidable incidents.

Click HERE to buy reliable health insurance for your family.

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

Car driving is a skill we want to ace throughout our lives. It is a constant learning process, and with practice comes perfection. There is no definition of the best car driving skills, but the more we do it, the better we will be at it.

Let us take you through a practical guide to ace your skills in city driving.

1. Know your car inside out:
You need to know your car inside out to master it. Every car's clutch, brake, and accelerator have a different feel. Familiarise yourself with it so that you can adjust yourself accordingly. Nowadays, gear position varies in cars from different companies.
The position of the reverse gear often changes with models, and some cars have six or even seven gears instead of the usual five gears. Know how your car's gears work, so you are fluent in changing them, especially while driving through heavy traffic.

2. Get used to your automatic car:
Automatic cars don't have a clutch. New drivers of automatic cars tend to push the brake, thinking it to be the clutch, especially while driving through traffic. This will bring your car to a sudden halt and put you at the risk of being banged by the vehicle right behind you.
If you have an automatic car, practice driving it on empty roads in the surroundings of your house. You will soon get used to the missing clutch and learn how to drive it skillfully through the busy roads.

3. Get your seating position right:
An appropriate seating position is necessary if you want to ace your city driving skills. Present-day cars come with power seats that can be brought forward or backward at the click of a button. If you are short in height, worry not.
These seats come with seat cushion tilt and height adjustment features as well. Recline the seat as per your comfort, and you are ready to go! Moreover, you can also adjust your car's steering wheel. Proper seating posture can make you feel comfortable and do wonders for your driving.

4. Understand your car features:
Nowadays, cars have many features that can leave us puzzled. Go through your car's various buttons and consoles thoroughly to know how to take advantage of the respective features. For example, cars nowadays come with a "parking assist" feature, making parking much easier on busy streets. Use the features effectively, which will improve your driving experience.

5. Maintain adequate distance:
Ensure that you maintain adequate distance between yourself and the car in front of you while driving through busy city roads. In case the car in the front stops suddenly, you should have a sufficient gap to apply your brakes and stop in time without crashing into the vehicle in front.

6. Use your rear-view and side mirrors:
Rear-view and side mirrors will show you exactly what vehicles are behind you, and you can adjust your direction and speed accordingly in the city traffic. Moreover, these mirrors are very helpful while backing your car and changing lanes.

7. Follow traffic rules:
Last but not least, follow traffic rules! Simple rules like giving an indicator while turning and not using your phone while driving can make you a much better driver in the city traffic.

The above tips will help you ace your city driving skills effectively and make you a better driver. City driving is a challenge, but with the right mindset and following the traffic rules strictly will help you effortlessly glide through the traffic.

Similarly, master the skill of safety, and buy the best car insurance online India. Take one step ahead of others in choosing a policy that will give you the best mix of proper insurance coverage and the lowest premium amount. Be the best, as always!

Click HERE to buy 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.

Planning a road trip in itself can be a hassle. From deciding the location and handling the logistics to buying all the essentials and packing them, you must have a lot on your to-do list. In addition, the excitement of travelling makes us pack things that might not be necessary, and we carry them due to the slight probability of them coming into use.

But, is this important? Overpacking can lead to an overstuffed car which can ruin the comfort and convenience of your road trip. To save you from one more additional hassle in the morning when you realise that you have overpacked and absolutely nothing fits into the trunk of your car, here are some tips and tricks to help you best utilise the boot space in your vehicle.

1. Planning before packing is the key:
Before stuffing all the suitcases in at once, taking a breather and planning accordingly is advisable. Have a rough idea of the dimensions of your trunk and gauge the amount of stuff you can take. After this, advise all the passengers on the maximum limit of bags and suitcases they can take.

2. Vacuum packing for the win:
Try the effective vacuum packing method to fit the maximum amount of clothes and other travel essentials in a bag. This method allows you to suck the air out of bags, reducing the space taken by clothes up to 50 per cent. You may also use it as an excuse to pack several beach dresses instead of the one you really need! Also, another trick that you can use to save space in suitcases is to roll the clothes instead of folding them.

3. Replacing your suitcases with soft bags:
Squeezing and squashing suitcases are impossible. They are suitable for air travel, where luggage might be thrown around, but for road travel, it is handier to use soft bags like duffles.

4. Heavy things first:
Assemble all your items into their smallest possible state so they can be stored easily in all nooks and crannies of your vehicle. Ensure to store the heaviest luggage first in the boot of your car to prevent them from rolling around and causing harm to the car, the passengers, or other delicate items.

5. Be careful:
It's advisable to be innovative while piling the suitcases on top of each other. Tie it in with bungee cords or ropes if it feels like a suitcase might fly off. Especially in open vehicles, you must be careful and keep the safety of other drivers around you.

6. Get creative with spaces:
The boot of your car isn't the only place to store luggage. Use all available space in the vehicle, including the glovebox, the footrest, and the space beneath the seats. If all these spaces are insufficient, try using a roof box for bulkier suitcases.

7. A carry-on:
The most frustrating thing during a trip is when essential items are deep in the heaviest luggage, which has been kept at the very bottom of the trunk, and you have to unload every single suitcase before you get to it. To avoid this, think about the essential things required for the trip and put it all in the carry bag you'll hold. These can include sunscreen, tissues, and your toothbrush, among other things.

8. Don't overload:
Cramming too much in your car can drastically reduce fuel economy and risk your vehicle's suspension. You should also be mindful of the luggage in your backseat, which might obscure your rear-view mirror. Be mindful of the tyres as they can only take a certain pressure. Check the driver's manual and determine the tyre's pressure for a heavy load.

Successful packing is the key to a hassle-free vacation. Be mindful of the things that you take along with you. Take precautions in advance to avoid facing damage to your car due to an overloaded trunk. But, having comprehensive car insurance handy can be your saviour if you face any damage. However, research new car insurance rates before making the final decision and look for the plan that promises the best coverage and benefits.

Click HERE to know more about new car insurance rates.

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

The recent sales trends indicate a pickup in demand for two-wheelers in India as the Indian consumers have begun spending at par with pre-pandemic levels. However, Indians continue to undermine the importance of having insurance for their two-wheelers. Although made compulsory by the IRDAI to purchase a long-term third-party insurance plan, many still don't follow the mandate.

With the plethora of online resources available, there is no excuse for delaying insuring your two-wheeler anymore. Most insurance providers have made their services accessible online, making it extremely straightforward to purchase 2 wheeler insurance online.

Read on to debunk eight common myths surrounding purchasing 2 wheeler insurance online.

Myth 1: Purchasing online insurance requires you to be a tech-wiz.
False! It is incredibly effortless to purchase an online insurance plan for your two-wheeler! You only need a stable internet connection, basic vehicle details, and your personal details. Once you choose an appropriate policy on the insurance provider's website, fill up the data, and you will be redirected to the payment gateway.
Upon successful processing, your insurance policy details are emailed to you. It's just that simple! If it appears to be difficult, you can always refer to our simple 5 step guide to help you get the best 2 wheeler insurance online for your vehicle.

Myth 2: Online insurance is expensive when compared to offline.
Online insurance eliminates a middleman's interference, thereby eliminating any additional commission. Your insurance provider also gives further discounts and other benefits when purchasing insurance directly. How much better can it get?

Myth 3: It is complex to switch policies when purchased online.
What does the internet do? It makes things convenient! Purchasing online insurance is the easiest way to switch between plans. Although it is recommended to upgrade your policy rather than switching insurance companies, it is also quite simple if you need to change your insurance.

Myth 4: Making claims on insurance purchased online is challenging.
While the process of claim settlement varies from company to company, it has nothing to do with the mode of buying the insurance policy. The proper documents and proof according to the company's procedure will result in successful claims and reimbursement.

Myth 5: There are very few options to choose from.
Incorrect! With technology, comparison becomes easy, and so does accessing a wide range of options. Your preferred insurance company most likely provides a comparative differentiation between different plans, further simplifying the process.

Myth 6: 2 wheeler insurance online is risky.
Online insurance very clearly states what is included and what's not. It is transparent and comes with no hidden cost. The payment options are also safe and keep your data protected. There is clearly no risk in purchasing online insurance.

Myth 7: Purchasing online insurance leads to data leaks.
If you choose to purchase online insurance, you can rest assured that your personal, vehicle and payment details are in safe hands. All reputed insurance companies do all they can to keep your data safe.

Myth 8: No assistance provided.
Most insurance companies have live chat, email, and customer services options that allow you to get in touch with a professional in case of any queries or issues. Although it is easy to self-navigate through the process, you can still always ask for assistance.

Most myths surrounding online insurance arise from misconceptions. We have attempted to debunk all these misconceptions about buying two-wheeler insurance digitally. The future is digital, and we should be ready to welcome it by taking these small measures of making investments online. Purchasing insurance online is completely safe and provides significant value to your two-wheeler. Without further delay, make the purchase now!

Click HERE to compare and 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.

Ageing is an inevitable natural phenomenon. No matter how much you try, the effects of ageing are bound to catch up with you over time. A common symptom of ageing is loss of stamina. Tasks that used to be manageable begin to feel challenging. Although it is a regular sign of turning old, it is now being seen amongst youngsters as well. Despite the age gap, most people have low stamina levels and often get tired after doing relatively simple tasks.

In such situations, irrespective of your age, you must first buy a health insurance policy to cover any potential problems that might arise in the future. Nowadays, the process has become extremely simplified and can be done at home by running a quick search to buy health insurance online India.

Now that you have your health insurance covered, you can focus on taking preventive measures to stop your stamina from reducing further. The easiest way to do so is by following a regular exercise routine that focuses on cardio and eating a well-balanced diet. Here is a list of the best cardio exercises that can have your stamina up and leave you feeling energised when followed consistently.

1. Jump rope:
Also known as skipping rope, it is a quick exercise that doesn't need too much space or much equipment. To jump rope, all you need is a jump rope and some practice. We recommend wearing comfortable shoes while practising to prevent any injuries. The inexpensive cardio exercise is sure to get your heart rate up. You can also switch up things after a little bit of practice and go on to master double jumps, boxer jumps, and many more!

2. Brisk walk:
Surprised to see regular old walking on the list? Walking with more powerful strides than a stroll is known as brisk walking. It is easy to do and can be done at any time of the day and anywhere! Who says cardio has to be done on expensive equipment in fancy gyms?

3. Swimming:
Swimming is a form of low-impact cardio that is very enjoyable. You can take up the activity alone or with a group of friends to make it more fun. The variations in strokes allow you to stay engaged without repeatedly getting bored of the same thing.

4. Boxing:
If you enjoy more action-packed exercises involving competition, boxing may be the best fit. Studies show that boxing burns more calories than most cardio activities, making it a great addition to your day to increase your energy levels and stamina. Since it is a hands-on game that may result in injuries, you must be careful while practising it.

5. Cycling:
Since the Covid-19 pandemic, the sales of bicycles in India have grown multifold. Cycling is an excellent cardio exercise to go on a ride, and many cycling enthusiasts come together in groups and go cycling together to prevent any mishaps and support each other. If long-distance rides are not your thing, you can always stick to solo rides in nearby areas.

Why you must consider buying health insurance if you have low stamina?
Your lack of stamina may be due to poor diet, improper sleep, a hectic schedule, lifestyle choices, or an underlying medical condition. It is essential to buy health insurance online India for individuals of all ages. While you can take measures to build your stamina, a policy cover keeps you protected at all times, keeping you stress-free from any possible health accidents and associated bills.

Staying energetic every day requires discipline and sincere efforts. Our lifestyle has a major role in shaping the core of our body. Stamina is the fuel that we need to survive all the stress, and these simple and efficient cardio exercises are just what your body needs. If you can't change your lifestyle, then better change your mindset. Adapt to healthy practices and see the magic happen!

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.