GENERAL INSURANCE BLOG

Two-wheelers have been around for decades. Almost every average family in the country owns a two-wheeler which they use to run errands. The purpose of the two-wheeler depends on several circumstances and the motive of the commute. Two-wheelers are the most popular personal transportation services and fall into the affordable category. The prices increase depending on the type of the two-wheeler, its purpose, and its features.

But have you ever thought about the history of these vehicles and how they grew so prevalent in our country? How did they first come into circulation? Well, we will sail you through the evolution of two-wheelers in India through this blog.

1. What was the purpose of two-wheelers?
The two-wheelers were developed to provide people with a safe and convenient option for smooth rides. They have evolved over the years, and we now have bikes that range in lakhs with multiple fancy features, a dream of every bike fanatic. Now let's take a road down memory lane and revisit the evolution of two-wheelers in India.

2. The era of vintage bikes.
We all know the brands that manufacture classic and vintage-style bikes. Apart from being known for their royal appearance and elegance, these bikes represent a class apart from how they steal the show in the market. It was the year 1902 when a single-cylinder engine motorcycle was sold first time in India. Purchasing or owning a bike of this category used to express a solid and respectable financial status and background, rather than just being considered a bike used for everyday purposes.

3. What happened after the classic bikes became old news?
The market welcomed other two-wheeler brands which manufactured these noisy bikes that would leave their impressions behind by the loud sound of their silencers or by the whiffs of smoke released. The era of scooters came in as these bikes became popular.
The design, the efficiency, and how it differed from the widely popular bikes ignited its charm. The popularity of scooters escalated beyond expectations in the 70s till the late 80s, and there used to be a waiting period for the purchase! The crazy high prices of the scooters did not discourage the people from waiting for an extended period to bring them home.

4. Welcoming other foreign brands.
At the beginning of the '80s, India became a popular destination for various foreign brands to make their sale. The two-wheeler industry formulated partnerships with these brands to bring them to India at a cost affordable to the Indian audience. The collaboration with these companies grew exponentially, with the foreign brand names becoming a standard of every Indian household.
Today, the bike industry has diversified, from comfortable tourers to compact city bikes and from fuel-efficient to race engines.

Some more informative pointers to understanding the evolution of two-wheelers in India include how these landmark bikes and other categories became a reference model for the other brands' style, design, and comfort patterns. Now, we are heading into the era where electric two-wheelers are no more a concept but a reality!

Quite interesting to visit how two-wheelers in India became widely popular. And while we revisit the timeline of these developments, you need to be aware of how crucial it is to safeguard your two-wheeler. Being a bike owner feels fantastic, but living your responsibilities as the owner is paramount.

You must hold yourself accountable to maintain your bike's best shape. This can be possible with the help of two wheeler insurance. 

Take your search online, and find the Best Two Wheeler Insurance India to buy coverage that keeps your asset safe and sound. Invest in a policy that ensures the best returns and an efficient claim settlement process.

Click HERE to know more about the benefits of buying 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.

All-terrain vehicles, popularly known as ATVs, are a new trend in the automobile market. With many options bombarding the automobile industry, be it utility ATVs, sport ATVs, or children's ATVs, it is difficult not to know about them. This article will look at all the options, their functionality, their working, and why they are becoming a popular adventure option.

What is an ATV?
An ATV is a popular off-roading option designed to travel on four wheels. There are two subcategories to ATVs. The first one is a TYPE I ATV, designed to be used only by one person, and no other passengers can be on board. TYPE II ATVs are more popular amongst tourists and can board two to three people depending on the vehicle's build.

ATVs are also built-in various sizes and for different utilities, and we will look at each in the next section of this article.

What are the different kinds of ATVs?

1. Sport ATVs:
If you enjoy adventure and the occasional bouts of an adrenaline rush, then sports ATVs are just for you. They are made especially for speeding and tricky turners. It glides smoothly across corners and different surfaces. Sports ATVs are the perfect machine for motor enthusiasts who enjoy the thrill of speed and sports.

2. Utility ATVs:
These ATVs are for more labour-oriented work and to transport heavy objects from one place to another. Some ATVs come with levers that can lift heavy objects and place them in different positions as per the requirement. With mighty engines, these can navigate through any terrain, including rocky and hilly areas.

3. Side by side ATVs:
These ATVs or quads can seat up to four people. These are not operated using handlebars. Instead, they are equipped with steering and provide riders with an experience similar to driving a car. These can be used in snow, sand, and deserts.

4. Youth ATVs:
They are designed for younger people, especially children looking to experience ATVs. These are equipped with full safety measures to ensure the protection of riders at all times. The engines are not as powerful as normal ATVs and range between 50cc to 125cc.

5. High-performance ATVs:
As the name suggests, these are high-performance vehicles, as they are equipped with extremely powerful engines, more than the power and acceleration compared to other ATVs. The engine capacity ranges anywhere from 350cc to 700cc.

Why are they a popular sporting option?

Because of their agility, speed, and ability to manoeuver different kinds of terrain, ATVs have gained traction over the years. Watching these can be fun and thrilling. Many sporting activities happen around the year, and if you enjoy all kinds of riding or racing, ATV sporting is a must.

Driving an ATV requires a lot of physical exertion, skills, and tactics, which is why it is a challenging and interesting option for adventure seekers. Trail racing, motocross, cross country, desert racing, hill climbing, etc., are some of the more popular ATV sports in the country.

Having discussed all the important elements of an ATV, it is time to shed light on the importance of careful driving and maintenance of your vehicle. While ATVs are an interesting option if you enjoy riding, keeping yourself and others around you safe is important. Always wear safety gear and helmets while driving ATVs.

Remember to take your ATV for regular servicing and maintenance to ensure their longevity and optimum functionality. Do not forget online Motor Insurance Renewal to safeguard yourself against the costs and expenses of maintaining an ATV.

Click HERE for online motor insurance renewal.

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

Owning a bike is a fun and thrilling experience. Bikes make it easier and less time-consuming, whether you have to go to your office, ditch the cab surcharges, or go for a monthly grocery run. Adding to that, impromptu road trips, midnight drives, etc., are some of the bonuses of having a bike. Familiarising yourself with every inch of your bike brings you closer to your bike and helps keep your bike functioning properly for a long time.

But there are many parts of the bike that not everyone is familiar with, and even if they are, they might not know the importance and the maintenance of the same. In this article, we will take up one such part of your bike's body and deep dive into understanding its mechanism and usage. We will discuss your motorcycle's Upside Down fork or USD forks.

1. What is a USD fork or upside-down fork in your bike?
A USD fork or the upside-down fork is foldable, fitted in an upside position on your bike. Most modern bikes are equipped with these for better movement and agility of your motorcycle. Their primary purpose is to reduce the unit's weight by loading heavier components onto the lower part of the fork. USD forks also enhance the strength and integrity of the different elements in your bike.
USD fork is responsible for handling the suspension of your motorcycle. As opposed to the telescopic forks, in USD forks, the sliding tube is on the lower side of the wheel. Since it is fixed with the help of a triple clamp, it is better suited for handling heavyweight and maintaining the weight of the suspension system. Most heavy-duty and racing bikes have USD forks in them.

2. What is the use of USD forks?
Sports bikes are meant to give high performance concerning pick up, speed, and torque. The USD forks permit the riders to use their bikes efficiently without compromising the quality of their riding experience.

3. What are the disadvantages of USD forks?
Although USD forks perform better, they are way more expensive than conventional telescopic ones. And since the cost is a crucial factor in making bikes, the motorcycle's overall cost increases significantly when the manufacturers use USD forks. Another disadvantage of the upside-down fork is that since it is more susceptible to shock absorption, the suspension is likely to wear off over time.

4. How to maintain USD forks?
Lubrication is the key to keeping your fork working efficiently and for an extended period. Ensuring no contaminants in the lubricant is one key factor to keep when maintaining your USD forks. Oil-based lubricants are best for such suspension systems. Ensure that the seals in your suspension are proper. The seals make it easier for the system to keep the dirt and oil separate.

Mudguards are another way to ensure the wheel's dirt and dust are thrown up and do not get into your suspension fork. Take your bike to an experienced mechanic and get a mudguard fixed to avoid contamination.

Remember that your bike is only as good as your maintenance. Regular servicing and maintenance are crucial to keeping your bike in perfect condition. To ensure you are not compromising on the care, buy bike insurance . Bike Insurance is a safety net that protects you from any extra expenses you might incur in damage or repair of various parts. Also, always ride with proper gear and with all the valid documents.

Click HERE to buy 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.

Ten minutes of your time on a road, you can see many bikes, varying designs, different builds, unique colours, etc. Some people choose to customise their vehicle according to their liking by changing the frame, engine, headlights, horn, or handlebar for a better driving experience.

You might wonder how these changes help with the riding experience and why is the standard built not sufficient? Experienced bikers know what suits their bikes better and what would give them a better riding experience. To match their vision, they customise their bikes.

This article will take up a less talked about subject; Handlebars. How do different handlebars affect the riding experience? And what are the different kinds of handlebars available in the market?

Let's discuss a few types of handlebars available in the market and their benefits.

1. Clip-on handlebars:
They are a set of two-piece components fixed directly onto your front fork. Because of this, no extra tools or materials are needed to fix the handlebar. Since the set-up is fairly simple, it gives great flexibility and movement to the bike. These are more specifically used for racing and sporting bikes.
The most significant advantage of clip-on handlebars is that they can be adjusted as per the rider's requirements. Since these are lightweight, it's easier to manoeuvre. For the bikers to handle the bars, they need to bend forward, which gives them a great aerodynamic push during racing.

2. Z-bar handlebars:
These angular handlebars aren't too wide or tall. These are better suited for bikes that have a narrow build. These are a budget-friendly alternative as opposed to other handlebars. They offer one of the most relaxed driving positions and are sufficiently agile for better manoeuvring. These handlebars are better suited for casual riding as opposed to clip-ons that are made for sports bikes.

3. Moustache handlebars:
Moustache handlebars give better control to the rider, especially when navigating treacherous roads. For off-roading, moustache handlebars provide a better stance to the rider so they can navigate and enjoy the view without worrying about their handlebars' position.

4. Frisco handlebars:
Narrow frames characterise Frisco handlebars, and the handles are turned towards the biker. These are fitted into narrow bikes with high-rise chassis. These bikes have a better ground clearance than any other bike model.
The Frisco handlebars are made specifically for these bikes to navigate through heavy traffic or congested roads. The smaller handlebars might provide less radius, but they help manoeuvre through heavy traffic.

5. Ape hangers:
Half of the bike enthusiasts consider these the most comfortable set of handlebars available in the market. For tall riders, these can be the most comfortable, while for others, if it is not set according to their height, the hands and back would go numb. These give a more upright position and eliminate the need to hunch over. These are supposedly the best handlebars in the market for long road trips.

These are a few of the most common handlebars in the market. Remember to talk to an expert mechanic who can understand your vision and comfort before adjusting a handlebar. Handlebars and other accessories add the desired look and comfort to make your riding experience more fun and comfortable. Wondering how to add more value to your bikes? Invest in Bike Insurance . 

Bike insurance is a safety net against all the expenses you incur during your bike's course tenure. Boost the longevity of your bike with a comprehensive insurance plan and get benefits that will help you in the long run.

Click HERE to buy 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.

As the fuel prices are skyrocketing, it has become quite a concern for ordinary people to afford them. Still, the type of fuel your car needs stays at the top of their requirement list. Having the clarity on the kind of car you own, you can make a well-informed decision about the type of petrol you should choose. And for the people who are still new to the world of vehicles, there are two kinds of petrol- power petrol and normal petrol.

But how do you determine which one would be the most suitable for your car and what are their results? If you have these questions, we have your answers. This blog will discuss power petrol or normal petrol and understand which is best for your car. So, let's get started.

1. Types of petrol in India.
First and foremost, let's get acquainted with the situation of petrol in India. If you go to a gas station, you usually get three types of petrol: unleaded (normal), Power/premium (turbojet, Hi-speed, etc.), and Speed octane (high octane) petrol. The difference between premium petrol and normal or unleaded petrol is that power petrol has a comparatively higher number of octanes. Different types of petrol have other numbers of octanes.

2. What are the advantages of using premium/power petrol?
Using power petrol has several advantages. Higher efficiency can be achieved, which can thus help fuel usage more economically. The power fuel helps in an improved fuel combustion capacity of the engine, thus helping in less consumption and providing better results.
Power petrol also enhances the engine's strength. The stronger the engine, higher the speed and acceleration it can achieve. You might often find deposits in the injector and intake valves which might carry them off into the mechanism of the engine. Power petrol helps eliminate such contaminants and residues, which helps in the smooth functioning of the machine, thus increasing the combustion levels.
It also aids in reducing the banging of the engine, thus de-stressing its work and increasing its longevity. This further decreases the number of harmful exhaust releases through the silencers of your car. Lessening such toxic releases from the silencers also helps reduce pollution and contributes to a cleaner environment. Premium petrol also helps handle and boost your car's ORI (Octane Requirement Increase).

Some other advantages of using power petrol over regular/unleaded petrol include the lower chances of input valves' fusion, the better and smooth riding of the vehicle, and much more. Although it is a little more expensive than normal petrol, your car's mileage is boosted if you start using the power petrol, which helps you efficiently minimise the frequency of fuel expenditure.

We hope that the information proves helpful in arriving at an informed decision. And in the interest of your vehicle, you also need to safeguard your vehicle from unforeseeable damages or accidents which can land your car in trouble and put you under financial stress.

To avoid such issues, you need to get Motor Insurance which would act as financial aid and help you handle the situation efficiently with your insurance provider. Put your research work to the test and purchase the best motor insurance India that will help you efficiently deal with the repair and maintenance of your car.

Click HERE to know more about the benefits of buying motor insurance India .

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

Purchasing a bike is not an easy task. It would be best if you had a lot of time to do the market survey, finalise your budget, see which models fit your budget, explore and compare the features you require, gather the funds, seek information about the loan, and choose the best option and then begin the process.

All these things require considerable time, money, and effort. And with insurance, the information seems never-ending. Also, you need to ensure that you know sufficient knowledge to help determine which insurance policy would suit your needs.

We will shed some light on the know-how of bike insurance policies catering to your needs and help you gain better insights on how you can get one. So, let's get started.

1. Why do you need a two-wheeler insurance policy?
Accidents come without warning, so you must purchase insurance that protects you and your bike from unfortunate situations. A Ministry of Road Transport and Highways report revealed that over 158,964 road accidents of two-wheelers were reported in India in 2020, causing over 56,000 deaths. This alarming figure demands the need to buy a robust bike insurance policy to protect you and your bike from such potential threats and uninvited damages.
You must have a valid driving licence and original insurance documents to ride legally on Indian roads as per the Motor Vehicles Act 1988. It is advisable to compare 2 wheeler insurance online and explore different options before concluding a policy.

2. Have you asked your insurer to customise your two-wheeler insurance?
Were you aware of this fact? If not, then now you do! We know that the insurance sector has started inculcating options for personalising their policies to help the customers get the best out of their insurance. There are several options of add-ons available to choose from, making your insurance plan more customisable.

3. Do you know that a basic insurance policy does not cover the engine?
You will be surprised to discover that your bike's engine is exempted from insurance benefits. Fret not! You can still protect the engine by buying the "bike engine protect" add-on to your existing insurance.

4. Your insurance policy can also provide you a legal protection.
A good insurance plan also covers you under natural calamities, accidents, theft, and vandalism. These insurance plans have several options for add-on coverage and other choices, which allow the companies to personalise their insurance benefits according to their audience type. This also includes covering damages to third-party and avoiding the risks of legal actions or hefty penalties.

5. Did you compare your 2 wheeler insurance online?
Make the best use of technology and compare different two-wheeler insurance plans online with just a few clicks. But, carefully read all the terms and conditions before proceeding to payment. Understand the benefits thoroughly to calculate the return on your investment.

6. Have you picked a reputed insurer?
There are several advantages to purchasing the insurance policy from a reputed firm. Looking for a trusted insurance provider should be your first step. You can decide this by analysing the company's claim settlement ratio and its customer base.

7. Don't forget to read online reviews.
Reviews are the best way to get an overview of the company, its process, and customer relationship. These can help you make an informed decision and learn more about the company's services.

These were a few know-how of bike insurance to choose the right two-wheeler insurance policy. Life is chaos, and everything else is arbitrary. But, it would be best if you had something to fall back on if you find yourself in a difficult situation. Insurance keeps you stress-free financially and helps you fix the problem and get your vehicle repaired in case of severe damage.

Now, finding the best deals for buying insurance is easy with digital platforms of insurance providers. With a digital device and stable internet, the entire insurance buying process can be done in just a few clicks. By purchasing 2 Wheeler Insurance Online , you considerably save time and money and are, in return, promised seamless services. Everything can be done hassle-free and without the involvement of any intermediaries, from making claims to paying premiums.

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.

Childbirth is beautiful. Pregnancy requires a lot of commitment, physical and mental strength, and external support from your partner, family, and friends to be able to give birth once the cycle ends. Things do not end once your baby is out of the womb and into this world. That's when the real work begins.

Are you someone who is currently going through the pregnancy phase? Or someone taking care of a pregnant friend, relative or family member? Well, whatever your reasons are, this blog will answer your queries about the dangerous activities you need to steer clear of during childbirth. So, given below is a list of pregnancy injuries you must be very careful about.

1. Say no to lifting:
During pregnancy, you should strictly prohibit yourself from lifting any heavy items, including large, heavy boxes, weights in the gym, etc. If you want to keep your body fit and still hit the gym or get a quick workout, consult your doctor before starting anything.
Do not run the trial-and-error methods and put your body through unnecessary physical stress and exhaustion. You might risk many things, have to bear the side effects, and face adverse results during delivery.

2. Avoid standing for more extended hours:
Standing for long hours is similar to the case with lifting, as discussed in the previous point. You exert your body and put it through a lot of physical stress when you stand for longer. Your body is already carrying your weight and the weight of your child. Your legs need rest.
Your locomotive system needs to catch a break to be strong enough to support your entire body if there is some emergency. Prolonged standing also risks premature birth (babies born before nine months or their estimated date) and increases the chances of miscarriages.

3. Understand the changes in your body:
Once the "late pregnancy" period begins, you will notice several visible changes in your body. Your body goes through several internal and hormonal changes. Therefore, your weight increases as the baby develops, and different body parts get bigger to ensure that they can serve the baby's needs when it arrives. All this weight gain thus eventually causes imbalance even when you do the simplest of activities. But exhausting your body by doing your regular heavy physical activities can put your child at risk. The imbalance might make you more prone to accidents that happen due to falling or increase the chances of musculoskeletal injuries.

4. What about your menstrual health:
Heavy physical activities, lifting massive items, and standing for extended hours also threaten your menstrual health and put your body under stress. And as for pregnant people, their hormones during the process can affect the strength of the ligaments and spinal joints. Excessive physical strain can delay the process of your body preparing itself for childbirth or might adversely affect the baby's health.

These were some pregnancy related injuries you must be very careful about. As it is said that accidents never come with a warning, and the period of pregnancy is one such critical time when you need to be the most careful you can ever be. But there might be times when you or your loved one find themselves part of an unpredictable incident that can potentially endanger your health or life.

And even if not, it is always wise to have a certain financial backup for the future so that you can focus on sorting the situation and finding a solution instead of worrying about the funds. Therefore, a smart option is to purchase the Best Personal Accident Policy In India , providing comprehensive coverage for your family and your baby.

Click HERE to know more about the benefits of buying 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.

Long working hours, unhealthy eating habits, and lack of physical exercise can lead to uncontrolled weight gain and obesity. People are always seeking instant solutions in this world of fast food and ready-to-make edibles.

But the thing about weight loss is that the results start showing only after a while. People invest thousands of bucks at the gym, buy the perfect equipment and gear, and dedicate their time and efforts to the gym. Since the results are not quick to come by, they often give up.

In this article, we will take a look at a few ways in which you can ensure a faster weight loss to keep yourself motivated and healthy.

1. Know what is the right diet for you.
The biggest myth when it comes to weight and weight loss is to eat less. Not only is it extremely unhealthy, but it is also impractical. Without the right amount of food, your body cannot produce energy and the nutrients it needs, which often leads to fatigue and other ailments. Your primary focus should be eating a calorie-deficit diet. Calories are the main reason you gain weight, but no calorie intake is almost impossible.
The best way to kill your cravings while also having a healthy diet is to increase the amount of protein. On average, an adult should eat the same amount of protein in grams as their weight in kilograms. Ideally, you should consume at least sixty-five grams of protein if you weigh sixty-five kgs.
A protein-rich diet will ensure you are not losing any muscle weight. It also helps you maintain your body's metabolism, which further aids in faster calorie burn.

2. Develop a disciplined sleep routine.
People significantly undermine the importance of proper sleep. An average adult requires at least eight hours of sleep to function correctly. Ample rest is essential for your body to function optimally.
Lack of sleep can hamper the hormonal activities in your body, which will create sugar cravings or other processed food, leading to overeating. Sleep is vital if you want to restore your muscles after a workout.

3. Drink water.
Water is truly the elixir of life. A person must drink at least three to four litres of water daily. Water helps with boosting the metabolism and suppressing the appetite. What most people think of hunger is actually a thirst, and drinking two glasses of water will keep you satiated. It also helps you remove any toxins from the body, thus helping with the better absorption of nutrients by your body.

4. Eat fibres.
Increasing the fibre content in your food prevents you from overeating as fibre is extremely filling. A person should consume between twenty and thirty grams of fibre daily. It also controls blood sugar levels and cholesterol. Fibres are mainly found in fruits, vegetables, and grains.

5. Involve in more physical activity.
Most of the time, people do not get the time for a dedicated workout. Starting slow is the best way to ease into a healthy lifestyle. Walking to your office or your grocery store is one way of maximising your step count.
Ditch the elevator and choose the stairs to burn the calories on the way. Instead of choosing cafeteria food, pack food from home or choose healthy alternatives such as fruits or oats to keep your hunger at bay and avoid bingeing.

These are a few ways to ensure that your road to weight loss is faster and more efficient. Remember that the end goal is to be fit and healthy and not to lose fat. Mindful eating and exercising are simple yet efficient ways to start your fitness routine. Obesity can lead to severe diseases that are sometimes irreversible. To safeguard yourself against hospital bills and medicines expenses, purchase health insurance Do not forget to renew Health Insurance Online if you already have one. Keep your policy up-to-date to prevent it from lapsing.

Click HERE to 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.