GENERAL INSURANCE BLOG

The chain on the motorcycle is one of the essential parts that helps its swift motion. A loose or malfunctioning chain would restrict the vehicle's movement. Regular maintenance and oiling are a few ways to ensure that the chain on your bike is working correctly. However, even after proper upkeep, we often encounter situations when the chain is loose. One of the main reasons for loose chains is untightened bolts. Other reasons can be a worn-down chain, mismatched teeth alignment, or the wrong sized chain.

Loose chains can have hazardous consequences. You can lose control of your bike, which can be threatening, especially on a busy road. Chain breakage can hurt the biker's leg and cause injuries. It can also get caught between the wheels and cause an abrupt stop, leading to the bike toppling over.

In this article, we will discuss a few ways to avoid the constant slipping of the chains.

1. Fixing new chains:
Brand new chains tend to stretch a little. The interlinking joints wear into each other gradually. It is advisable to ride at least fifty kilometres to loosen up the new chain a bit. Since the quality of chains can vary depending on the company and the metal, riding for long distances allows the new chain to adjust and get to the optimum stretch. Once you feel like the chains have loosened up a little, you can tighten them. After this initial step, you would not need to worry about the chains for some time.

2. Tightening the bolts:
Sometimes the bolts are not tight enough or become loose over time. Talk to a mechanic and understand how much the bolts need to be tightened to keep the chain in place and prevent it from slipping away.
If you are someone who goes off-roading and manoeuvers through treacherous tracks, then this tip might be helpful to you. The constant jerks and tension that your bike goes through can also lead to the loosening of the bolts. Using a lock nut can help prevent these bolts from loosening.

3. Replacing the sprockets:
If you notice that the teeth on your chains have been worn down, you must replace them. Even if only one tooth has been affected, it can cause damage to the others as well. So timely replacement of the sprockets is vital to ensure that your chain lasts longer.

4. Changing the chain:
Over time the chains experience considerable wear and tear and can have almost no functionality. This will require you to make changes and alterations to the chain constantly. If you face this problem frequently, it is high time to consider changing the chain altogether.

These are a few ways to ensure your chain is working correctly. Chain lubrication is another way to ensure your chain lasts longer and remains intact in its position. A well-functioning chain is vital to the overall health of the bike.

Worn-out chains can cause severe accidents and be dangerous for yourself and others on the road. Broken chains can impact your bike's performance. To safeguard yourself against repair expenses, you must look into bike insurance online. With the ease of technology, now you can browse through multiple options and make hassle-free investments in the best bike insurance that satisfies your requirements. By buying bike insurance online, you get an additional advantage of instant service and a reasonable premium by eliminating intermediaries.

Click HERE to check out bike insurance online.

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

Traffic signals are an essential part of road safety. These signals are installed at intersections and busy roads to help control the movement of vehicles and avoid unnecessary congestion. They are exponentially effective during the night time when drivers generally tend to break the rules and cause mayhem on the road, which could lead to severe consequences.

But what happens when the traffic lights stop working? How can non-functional lights affect your journey during the night? By the end of this blog, you will understand the importance of traffic lights and how the situation could go haywire in their absence.

1. Risk of collisions:
At non-functional traffic lights, vehicles generally don’t stop or slow down, which usually leads to severe accidental consequences. This can put the safety of cars, drivers, passengers, and pedestrians in grave danger.

2. An increasing number of accidents:
Many underage drivers tend to drive fast and avoid maintaining the rules, which poses a massive threat to other vehicles on the road. And in the absence of traffic lights, this situation can get out of control. Speeding at unmanaged intersections invites potential safety hazards and can wreck many lives, thus increasing the number of casualties.

3. Massive traffic handling issues:
Traffic lights don't just avoid accidents; they also help handle the traffic emerging from all directions. The drivers who avoid waiting for their turns usually try to ignore the rules. They have to stop at the signals to be in sync with the other vehicles.
But, if the traffic lights are not functioning correctly, they get the liberty to jump signals without any trouble. It can cause considerable stir and chaos and make it challenging to handle the traffic.

4. Slow-moving traffic will be more chaotic:
We all have been stuck in slow-moving traffic. It takes up time and patience. Worse than slow-moving traffic is heavy traffic. It disrupts the movement and creates a jam for longer hours and distances. Traffic lights act as a saviour as it controls the direction of the fleet of vehicles and allows different sections to go first.
In the absence of functional traffic lights, the slow-moving traffic turns into heavy traffic as it will take a long time to clear the clutter. Vehicles have no idea of traffic movement at the defunct traffic signals. Overcrowding of vehicles becomes the cause of headaches for the drivers.

We discussed how the absence of traffic lights would increase the risk of road accidents. Even if the traffic lights are non-functional, we as responsible drivers must take all the necessary precautions from our side while driving a vehicle at night. Always slow down at intersections, give proper indication while making a turn, avoid over-speeding or honking.

Vehicles often get involved in accidents at night due to minor errors at the driver's part at the intersections. Investing in insurance is mandatory and of utmost importance to safeguard your vehicle against damage during unforeseen circumstances. Analyze your requirements, buy insurance from the best motor insurance company in India and always have a safe and protected ride.

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

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

Outsourcing some of your important work to dedicated vendors is becoming increasingly frequent. These third parties are often not under your control and may not provide complete insight into their information security processes. Some vendors have strong security standards and risk management procedures, while others may not.

When your vendor's or business partner's computer system is hacked and sensitive data is exposed, this is known as a third-party data breach. Cybercriminals can target any vendor in your company ecosystem, and industry experts estimate that third-party companies are responsible for over 60% of all data breaches.

Data breaches are not only disruptive but also expensive. A breach can be challenging to recover from, especially for small businesses that cannot absorb the expenditure. However, public liability insurance can help enterprises survive. So, if you're a business owner, get a quote online to reduce your risk.

Avoiding a data breach can seem challenging as the volume of information grows and the threat landscape changes. However, this is not the case. Here are four helpful suggestions for preventing data breaches in your company.

1. Audit third-party vendors' cybersecurity:
It's critical to assess the risk of collaborating with a third party thoroughly. Neglecting this can create an alarming situation for your organisation. You can regulate the security assessment by incorporating questionnaires that inspect the security policies of the third party.
Thoroughly analyse all the security touchpoints to obtain a clear picture of vendor cyber risk. Companies should automate assessments to make them swift and scalable.

2. Incorporate a security policy into your contract:
Every organisation should have a written information security policy that covers all aspects of managing data on their network. This includes what data can be collected, how to manage it, how long each type of data should be retained for, the level of security controls required for each data type, etc.

3. Limit access to data:
There is a considerable risk of a breach if sensitive data is accessible to all vendors without limits. Therefore, limiting and regulating the data access to vendors must be practiced to protect your company against data compromise.
With so many distinct departments and vendors associated, it can get complicated. As a result, knowing all the risks pertaining to the organisation becomes critical.

4. Continuous monitoring:
The online world is fluid, and cyber threats are always changing. Furthermore, businesses constantly release new software and technologies that may expose them to attacks. Because of the ever-changing world, performing periodic cyber risk assessments of your third parties is no longer sufficient.
Instead, to avoid third-party data breaches, it's critical to keep an eye on your suppliers for new cyber vulnerabilities and receive real-time notifications about any changes in their procedures.

Following these four practices will lessen the chance of a data breach in your company. You can substantially improve cybersecurity by prioritising data protection and selecting the proper tools to assist you. Also, it's essential to have public liability insurance to pay for expenses related to a breach. Choose the right plan for your business by comparing public liability insurance prices online and adding a strong layer of financial security.

Click HERE to know more about public liability insurance prices.

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 two-wheeler not only makes the commute between two places easy, it also becomes a convenient option when you want to skip the traffic.

And, as you notice the several other benefits of using a two-wheeler, you choose the best services for your bike. A well-maintained motorcycle gives the best performance and comfort. Be it the service centre or the insurance provider; you do not want to take either of these lightly. However, owing to the fast-paced life that we are leading, it can become challenging to keep note of the next bike servicing or the renewal of your bike insurance.

Choosing the best insurance provider can be a daunting task, but you can find the best options and renew bike insurance online with little research and time.

This article will look at a few things you need to keep before renewing bike insurance online.

1. No Claim Bonus:
No claim bonus or NCB is a reward that your insurer provides when you have not made any claims in the previous year. An NCB is a testimonial of responsible driving. The benefit is in the form of concessions or discounts for future renewals. Even if you switch or sell your previous bike, your NCB stays with you and is applicable on the next purchase.

2. Coverage:
You don’t need to continue with your previous policy. You can opt for insurance policies that provide better coverage at lower premiums. Over your last term, you must have realised what other services you require. Hence, choose increased coverage or make changes as per your requirements.

3. Setting the IDV:
During every renewal period, it is advisable to change your IDV. You can decrease or increase the insured declared value that the insurance provider is bound to pay you in case of a total loss of your bike. Understanding IDV is crucial to assessing the correct value for your vehicle. Opting for lower IDV means you are underinsuring your motorcycle while choosing higher IDV means a higher premium.

4. Add on covers:
While renewing your policy, you can opt for various add-ons on your insurance cover. This is an intelligent way of reaping more benefits for a slightly higher premium. These add-ons are worth the extra premium. Zero depreciation, passenger assistance, roadside assistance, NCB protection are a few options you can choose.

5. Choose in advance:
It is illegal to drive a bike without valid insurance papers. So instead of waiting for the last minute to change or renew your insurance, it is best to start looking for options before the end of the policy period. This way, you can have ample time to consider various options before you make the final decision.

These are the few things you need to keep in mind before renewing your bike insurance. Do not forget to miss out on the renewal dates, as it can affect the continuity of your policy and other benefits.

Choosing the right insurance can be a challenging task, but do not be afraid to ask questions to your insurance provider to clear your doubts. Their job is to help you figure out the best options for you. Read reviews online, as they can help you assess the credibility of the company you are opting for. You can renew bike insurance online quickly and efficiently with these things in mind.

Click HERE to renew bike insurance online.

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

The thought of a road trip gets us all excited. It sure becomes very energetic, fun, and memorable with all our close family members and friends. As a thumb rule, you always double-check everything on your “packing list” to ensure you don't miss out on any essential item.

If you do this for yourself and your family members, how about double-checking your car before starting a road trip? Your car’s headlights also play a vital role in ensuring a safe journey during the night and avoiding any mishaps on the road.

In this blog, we will be discussing the checklist for the headlights of your vehicle that you need to take care of before starting your trip.

1. Got a fuse problem:
Check and see if you gather all information regarding the fuse blowout of your headlights. If you are sure of the damage, examine for loose wires. If you find any issues, fix them at the earliest. And if nothing works, replace the headlights (especially if there is a high beam bulb problem).

2. Do not delay replacement:
Examine the light emitted from your car’s headlights. Do you suspect that they have dimmed? If you conclude that your lights have dimmed (called burnout), you must replace the headlights with new ones to avoid risking your safety on the road, especially during the night time. Uneven terrains and night driving can be risky when you have burnt-out headlights. It poses threats of accidents and compromises the car's safety, the driver, the passengers, and other vehicles on the road.

3. Make smart changes:
Whenever you feel that there is a need to replace the light bulbs of your car's headlights, always make sure that you do so in pairs. If the light has dimmed, exchange the old bulbs for the new ones in twos. That way, it would make the headlights consistent instead of one old and one new light bulb, which would create a difference in the intensity of the light beam. It would make it difficult for other drivers to understand the indication and affect your visibility on the road.

4. Align the beams of light:
Turn on the headlights of your car and check the light beams closely. Make sure that the light is aligned and aimed at the road. If the light is directed towards the vehicle approaching your direction, it may cause an accident as the other person would find it difficult to see what is in front of them. This would result in a fatal crash endangering car occupants and other vehicles on the road.

These were some tips you could take care of related to your car’s headlights. Few other pointers include upgrading the versions of headlights compatible with your vehicle and other DIY hacks for which you wouldn’t always need a professional mechanic to help you with minor replacements, etc.

And while you ensure the checklist of your car’s headlight before heading on a trip, it is also essential to verify that your car insurance is updated. Keep track of your car insurance renewal dates to avoid interruption in the benefits and save your policy from lapsing.

Click HERE to know more about car 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.

Driving trucks is considered to be a dangerous job in many countries. It requires more strength, focus, and training to drive a massive vehicle. Most trucks have more than six tyres, whereas large trucks can have eighteen wheels and more. Truck drivers have to be very cautious operating such heavy machinery with material weighing tons. They need to be careful on a busy road with smaller-sized vehicles around.

Trucks are an integral part of the transportation and logistics teams. They help move various supplies around several industries and within different sets of factories within a single sector.
In such scenarios, the training of truck drivers becomes essential. By training them about the rules and safety measures, you protect them and avoid the risk of accidents and subsequent medical costs and insurance claims. But what are specific pointers for truck drivers that they should follow strictly?

This blog will discuss all the measures they can take. Implement these tips to ensure the safety of truck drivers by minimising accidents.

1. Stay patient:
While driving such a giant vehicle, truck drivers need to ensure that they are calm, relaxed, and attentive. Even the tiniest anger or frustration can distract drivers who can have severe accidental consequences and potentially cause heavy damage to the truck, other vehicles, and people on the road. Drivers must avoid any road rage behaviour and mindset even when cut off or honked by other drivers on the road.

2. Seatbelts are a must:
Wearing your seatbelt is a universal rule for all four-wheelers and above. Trucks bear no difference here. It is even more necessary since trucks are enormous, and maintaining balance, sudden jerks, close calls with other vehicles, and poor road conditions can be tricky for a driver. You can lose momentum and control of your body during such sudden movements and putting your driving at risk.

3. Be on the lookout for blind spots:
Blind spots can make your life challenging as a truck driver. It is often difficult to see the positioning of other cars, and the side view and rearview mirrors might not be of a huge help due to the height and captured visibility. Hence, while driving the truck, it is suggested that they leave a gap around the corners. Keep a watch manually while changing lanes to avoid the risk of blind spots.

4. Use signals correctly:
It is crucial to know what each signal means and how it would impact you and other vehicles on the road while moving. Give the proper indication so that the car around you knows which direction you might be turning. Leaving the other drivers on the road hanging and anticipating your next move can cause dangerous collisions and accidents.

Other tips include carrying a bag of spare essentials for emergencies, avoiding alcohol before and while driving, having spare parts and tools handy, not using cell phones or any other gadgets while driving, etc. These measures are quite common and essential to implement earnestly.

That’s a wrap on how you can implement these tips to ensure the safety of truck drivers by minimising accidents. It is equally important to take care of your truck since it encounters different terrains, and long distances can cause wear and tear of the tyres and damage other parts. For such sudden circumstances, motor insurance will safeguard your vehicle. You can explore your options and buy motor insurance online to provide firm protection to the big machine.

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

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

The events that are not under any human's control, cannot be predicted, and are bound to happen, are called an "act of God." The unavoidable destruction caused by natural disasters, including earthquakes, floods, cyclones, volcanic eruptions, asteroid collisions, etc., are considered "act of God". One cannot estimate these vast events, and occurrences cannot be counted at their time of happening. They happen, and humankind must bear the passive consequences of such active events.

Did you know that insurance covers damages due to “act of God” events? Let's learn more about the chronology of events and decisions taken by the government and other companies and help you become more knowledgeable about insurance and its clauses.

1. What exactly is the "Act of God" insurance?
This insurance covers damages and losses done due to incidents that come under the act of God. But if there is any harm or damage done to the property due to human ignorance and negligence, family dispute, etc., you will not be reimbursed and covered through the act of God insurance.

2. Is the "Act of God" coverage the same everywhere?
A lot of similar events are covered in the act of God insurance. The similarity is relatively high. But certain events might be an odd one out in a policy and is not included for other circumstances. You need to keep yourself up to date with the clauses, terms, conditions, prices, renewal rates, exceptions, etc.

3. Do you need to assess your insured properties and assets?
You need to evaluate your properties, assets, etc., that are insured. It is essential to assess the risks of those possessions and chart out the potential risks that can happen under God's name. This will help you clarify the dangers and negative possibilities and how you could recover from them using the liabilities that come under the act of God insurance. These risk evaluations will help you reap the benefits and help spread awareness about the act of good insurance and its pros and cons.

Another important clause is the extreme climate conditions you need to be aware of. You must purchase the act of God insurance for third-party protection and security of your properties, etc., against all unavoidable dangers. The policy is eligible for termination if the authorities observe any inconsistencies, negligence, zero remorse, and rectification of mistakes. Examine the policy in detail and watch for any hidden clause and terms and conditions that might devoid you of the "Act of God" insurance benefits. You need to present the proof of these events to claim your insurance and reap the benefits that come along with it. Also remember, insurance companies may limit the coverage for acts of God under some specific terms and conditions.

Apart from the "Act of God" events that you might or might not see coming, you need to take care of the risks which can make you liable/responsible for inevitable mishaps (e.g., a machinery accident in your factory causing injuries to the workers). You need to purchase public liability insurance in India to cover such alarming accidents. Explore your options and determine which insurance plan suits you and your business's needs.

Click HERE to know more about the best public liability insurance in India.

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

As a bike owner, you enjoy all the perks that come with it. Whether going to the nearest grocery store to get your monthly supplies or taking an impromptu long trip, one can not deny the many benefits of owning a two-wheeler. But as with great power comes great responsibility. Having a bike also means dedicated time to take care of it. So, it is your responsibility to keep your bike moving and functioning.

Irrespective of how often you drive your two-wheelers, it is susceptible to daily wear and tear. It is, however, possible to increase the longevity of bikes to some extent.

In this article, we will take a look at a few ways in which you can increase the longevity of your two-wheeler. Extending a bike’s life is not a very challenging task. You need to be slightly attentive to the signs indicating any faults and provide regular upkeep without constantly worrying about maintaining it.

1. Regular servicing:
Regular servicing ensures that the bike performs optimally. Your service cycle depends on how old your bike is. Speak to an expert and understand the servicing cycle for your two-wheelers. Things such as changing engine oil, ensuring proper functionality of brakes, checking for corrosion are a few things to note during the next servicing.

2. Riding habits:
The lack of coordination between the clutch and gear affects the bike’s performance in the long run. This puts an unnecessary load on the engine if done constantly. Giving ample time to yourself to understand gear shift and the bike's speed will help you perform better on the road.

3. Manage the load:
Overburdening the bike during long road trips can have dire effects on the vehicle. You must balance out excessive workload with regular maintenance. However, if you overload the bike with minimal aftercare, the bike is bound to break down eventually.

4. Keep it clean:
Maintaining your bike through regular cleaning can help you increase the functionality of your two-wheeler. Use soaps specifically meant for your bikes to wash with water and a cloth. Always wipe the bike thoroughly after every wash. After driving through rains or dirty tracks, wipe down your bike to avoid dust and dirt accumulation to avoid corrosion.
Dust and dirt can affect the engine’s functionality and spoil the paint job on the vehicle. A dirty bike is more susceptible to various problems such as rusting that can impact its overall performance.

5. Take note of minor changes and problems:
Usually, vehicles produce different sounds or low-performance levels as an indicator for various problems that are likely to arise. Do not neglect the problems, immediately take your two-wheeler to the service centre and get it checked thoroughly.

These were a few things to keep in mind if you want to ensure a long life for your two-wheelers. Sometimes no matter what you do, your bikes can still cause troubles and might need extensive servicing and change in parts. All changes said and done can come out to be pretty expensive.

It is a wise option to invest in 2 wheeler insurance to cover the damages, cost involved in repairs, and replacement of parts. Buying an ideal 2 wheeler insurance is also a good habit of increasing the longevity of your two-wheeler and can be beneficial for it to cover more distances.

Click HERE to know more about 2 wheeler insurance.

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