GENERAL INSURANCE BLOG

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.

Crime rates are increasing every passing day, and it has become necessary for everyone to consider personal safety at all times. Be it going to the school, office, movie halls, or public transport, people are being told to be cautious concerning themselves and their belongings.

One lesser talked about safety concern is safety during driving. There have been various instances of robbery, mugging, and break-ins, and it is best to learn how to be safe during these times.

This article will look at all the things you need to take care of while driving and how you can prevent attacks and crimes against you while going.

1. Check where you park:
Parking a car in a country like India can be highly challenging. With people flogging the streets at all times, there are barely any parking spots left. Under these circumstances, do not park your car in unsecured places. Always lock your steering completely because thieves find it challenging to manoeuvre, and more often than not, they will not try stealing a steering-locked car.
However, if you have parked your car in a parking spot away from the public eye or in an underground garage, look below the car. Attackers and thieves generally hide under the vehicle and wait for the perfect time to launch an attack. Remember to keep a safe distance from your vehicle before checking under the car.

2. Lock your car:
Remember to lock your car even if you are stepping out for a minute. Thieves are always on the lookout for situations like these. Lock your doors properly even when you are stepping out to make a quick payment at the petrol pump. If you use a central locking system, then it is best to check the locks after locking your car.
Thieves use jammers to interrupt the signal emitted from the remote key, enabling easy access to them. Try the door handle before leaving the parking premise. Another important thing to remember is to keep the windows entirely closed. Even slightly opened windows allow easy access to the car's interiors.

3. Do not open the cars to strangers:
Have you ever come across a passer-by curious to know the direction? In most cases, they are genuine people looking for a way to reach their destinations. But there have been instances of snatching and robbery in situations like these.
Never keep the windows open on heavily congested roads, and never open your car doors or windows for roadside vendors. If you intend to leave your car, never leave your belongings inside the car. If you want to leave things behind, put them in the boot space or under the seat to avoid a clear visual range of your belongings.

4. Added layers of security:
Technology has advanced so much in the past few years that there are readily available security devices in the market to ensure better safety of yourself and your car. Equipment like the steering wheel, gear locks, tracking devices, and cameras are some of the more common technical gadgets that will keep thieves away from your vehicle.
Some modern cars provide an internet connection feature that helps you keep connected with your car through mobile apps where you can turn on and turn off your ignition, be notified if the car is opened, and get updates about the door locks with the tip of your finger.

These are a few ways to ensure your safety during driving. However, if you live in an area susceptible to theft and vandalism, getting an appropriate add-on from your MOTOR INSURANCE COMPANY IN INDIA is a good idea. Under this cover, your motor insurance company will cover the cost of theft of your car and sometimes your belongings. Be responsible and invest in a safer ride by purchasing reliable motor insurance today.

Click HERE to learn more about the 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.

The COVID-19 pandemic has been a tumultuous time for the globe, and it is no surprise that we were not ready to deal with a pandemic of this scale. It has been a trying time for everyone involved, including doctors, nurses, frontline workers, and the general public.

The global economy has taken a massive hit in the past two years of the pandemic. Businesses all around the globe are trying to figure out a way to stay afloat in these trying times, and many of them have turned to insurance companies seeking clarification for the clause called "Act of God."

While this term may seem facetious at first, an act of God used to be an actual insurance term. Although it's not commonly used in policies, an act of God is used as a term to describe natural calamities outside human control. This can range from floods, cyclones, earthquakes, typhoons, tornadoes, storms, etc. An Act of God can also be described as an event that cannot be prevented by reasonable care.

As you may have already deduced, this term is vague and does not provide clear antecedents of what businesses can claim. Insurance providers mention the disasters covered or excluded to avoid this confusion. However, being faced with this horrific pandemic that has closed down businesses and decreased revenue drastically, companies and small traders are looking for an insurance policy that will cover the revenue lost because of the pandemic.

What policies cover diseases like COVID-19?
With business owners getting desperate to stay afloat, here are the policies that generally cover or exclude disasters like the current situation:
1. General liability insurance: This policy might help with lawsuits about exposing employees, customers, or clients to the virus.
2. Worker's compensation pay: This may cover the workers' medical costs for an infectious disease such as coronavirus.

Should you be concerned about lawsuits related to COVID-19?
It's improbable for a business to be sued over a global pandemic. However, it can be sued against the negligence of its employees in following COVID guidelines or for professional negligence regarding project delays or cancellations. In this time of financial insecurity, this can be a massive liability to the company. The best way to protect your business against these scenarios is by including these in your contract with the client.

Force Majeure to the rescue.
Force Majeure clauses, like acts of God, is a relatively vague term in insurance. It relieves your business from contractual obligations under natural calamities, pandemics, or other uncontrollable events. Another significant advantage of this clause is that it clears your business from responsibility to fulfill contractual obligations in the case of armed unrest, conflicts, etc.
It can provide optimum protection in case meeting deadlines is impossible. However, suppose the client has a high-stakes project with your company, there is a high possibility that they'll ask for a narrower definition of Force Majeure that may exclude certain disasters.

There is a lot of philosophical discourse about whether COVID was an act of God, and the debate can go on for decades, but the truth is, there are a lot of businesses unable to cope with this deadly pandemic. Stores have shut down, and people's dream businesses have been halted. This has been a trying time for everyone, and some insurance policies might help. Research Public Liability Insurance In India to get optimum protection for your business and safeguard it against unexpected financial losses.

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

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

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.