GENERAL INSURANCE BLOG

Purchasing a four-wheeler is a huge deal for most of the families in India even today. Determining the budget, brand, model, etc., takes a lot of research. It requires a lot of time to finalise a vehicle that suits your needs. Arranging the funds and loans can also be a tedious process.

But how do you decide on so many options? This blog is your guide to choosing a perfect vehicle according to your family’s needs.

1. Figure out your needs:
It is always good to start with setting your priorities. Discuss the type of car you need with your family. Do you need a statement car for occasional drives or long-distance travel? Jot down the factors in order.

2. Think about other factors that come with owning a car:
Purchasing a car is just the first step towards owning a vehicle. You need to consider the costs of servicing, repairing, maintenance, car insurance, renewal, loans, etc., before buying a four-wheeler.

3. Fix your budget:
Figuring out your budget probably takes precedence over any other factor while purchasing a vehicle. Your budget comprises all the charges apart from the cost of the car. This includes service charges, maintenance costs, insurance, etc. You also need to understand the various types of applicable taxes, for example, road tax. Determine the overall cost before going ahead with your final choice.

4. Determine the features:
All cars have different models and versions that come with various features. But, understand that with these features, the prices also increase. You need to check the ideal features of the car for you and your family.

5. Fuel efficiency:
With the rising petrol and diesel prices, purchasing a car and maintaining it has become a costly business. And the soaring fuel prices influence purchasing decisions. So, a fuel-efficient vehicle would definitely do justice to your needs.

6. Space is important:
You would want your car to be spacious. A bigger vehicle allows you to ride comfortably during long-distance travel or holiday trips. It also gives you the freedom to carry your belongings without congestion. Make a purchase depending on your family’s convenience and requirements.

7. Safety has to be a priority:
Along with the cost of the vehicle, safety should also be your top priority. The car you purchase must have advanced safety features to protect the driver and the passengers during accidents. Ensure to discuss and understand the safety features with the car dealer before finalising your option.

Other factors to consider while choosing your four-wheeler are the way you drive, the requirement of parking space, whether you would want to lease or buy, automatic or manual, cruise control, resale value, comfort during the test drive, etc. Ensure that you are satisfied with the performance before making the payment.

The above tips help you to choose the perfect vehicle for your family. It is essential to get your car insured to protect it against any damages caused by unprecedented circumstances. Explore your options and purchase the best car insurance in India that will cater to your needs in the best way possible.

Click HERE to know more about the best car 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.

Ever been embarrassed to bring someone to your car? A sock here, a pen there, it's infuriating not to have enough space to organise things in your vehicle the way you want them. Often, people turn to dump stuff on the seats, which looks highly unattractive. The revolutionary solution is to install console organisers.

This blog gives you a few different ideas so you can choose how to enhance the neatness of your car.

1. Full centre console:

The full centre console is a complete replacement of the console given with the car. It replaces your factory console, either due to damages to it or to have more storage in your vehicle.

2. Drop-in centre console:

Instead of replacing the entire console, this drop-in console lets you drop things into your existing console. It generally requires minimum installation. One unique advantage this console provides is that you can pull it and take your items with you on the go.

3. Double storage centre console:

If you have too many bulky items to store, a double storage centre console might be the way to go. This provides you with an upper storage compartment and a secondary dashboard.

4. Contractor centre console organiser:

Excellent addition for a rejuvenating road trip, this console is made for people who spend significant portions of their lives on the road. These organisers have all the essential compartments you need for a busy workday as a contractor and are most compatible with trucks. These provide two cup holders and offer an armrest that can multitask as a clipboard-holder.

Some great additions that you can install in your car.

Back seat organiser:

When you have kids travelling in the car, the back seat pockets more or less function as dumpsters. Back seat organisers help keep things tidy and you sane during long drives with kids. With pockets for juices, notebooks, pens, water bottles, games, and so much more, they are an essential need for every car.

Hand sanitiser pump for cup holders:

With COVID 19 and other diseases looming over us like a dark cloud, hand sanitisers have become necessary. Instead of forgetting a hand sanitiser and being frustrated over it daily, try this gadget which fits snugly into the car's cup holder and helps protect you from germs.

Car vacuum:

Keeping your car immaculately clean can significantly improve your driving mood and serve as a badge of honour when someone else enters your car. Bring an easily portable car vacuum with strong suction power to keep your car uncluttered.

First aid kit:

If travelling with children, the elderly, or alone, keeping a first aid kit is always a good idea. Keep an emergency kit stocked with essential medicines for common problems, band-aids, ORS, and pills for motion sickness. Also, have a box of wet tissues in case someone vomits.

Silicone baking cups:

Put these adorable cups in your cup holders to catch all future crumbs, it just needs to be removed and rinsed, and you'll never have to worry about cleaning the cup holder.

Choosing the right console organiser can be a daunting task for a new car owner, but there are a few key points to remember. First, check if your desired console organiser fits the make and model of your car. Also, know what function the organiser will have in your car. If you need something with a lot of storage space, go for the dual-level console, but if you want many compartments to hold your things, get a drop-in console.

These organisers may seem all fun and games until you understand their actual functionality. A clean and organised interior helps you maintain a decluttered mind, leading to better driving and fewer accidents. While talking about convenience, it is also paramount to consider safety. Search for car insurance online in India to ensure your vehicle is safeguarded against any mishaps. Happy driving!

Click HERE to know more about 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.

What is your job as a co-passenger in a vehicle? It is to retain a responsibility to safeguard yourself. While a co-passenger is not expected or required to anticipate every action made by the driver, they must be attentive to their environment. A co-passenger must not wholly rely on the driver for their safety and should remain alert for harmful situations. Long trips are exhausting and can be frustrating, and good company plays a vital role in making the journey not just bearable but exciting.

However, neither the driver nor a passenger can predict unfortunate events that may come their way. Hence, the most prominent role for anyone travelling is to be sensible and ensure that the vehicle carries all the necessary papers, including a fitness certificate, RC and car insurance.

Now, let's look at the following tips on being a good co-passenger throughout your journey.

1. A good entertainer:
Engaging the driver in a dialogue is the most efficient approach to keep them alert. This reduces the chances of them falling asleep behind the wheel while fostering a closer bond between the driver and passenger. You may play music or read amusing tweets and posts to lift their spirits, but remember not to be too loud. You should also leave them in isolation at times to let them focus on the road.

2. Be a navigator:
Choosing a restaurant or hotel for the night may require more study regarding pricing and accessibility. As a result, a competent passenger will find these locations and lead the driver with the appropriate route.
Earlier, drivers required one more person to read the massive printed maps and guide them. These days, we can just enter an address and let our smartphones handle the rest. But, the assistance of a good co-passenger helps in hunting the best route and accommodation to stay at.

3. Co-driver:
Sharing driving duties, particularly on long trips, make travel less stressful. It also reduces the possibility of the driver falling asleep behind the wheel due to boredom or tiredness. So avoid drinking alcohol or doing anything that can impair your judgment while driving if the driver needs you to take over.

4. Specialist in interaction:
As previously mentioned, distracted driving causes a considerable number of accidents. Texting or calling while driving is the worst of all distractions. Hence, a good passenger may be required to read important messages to the driver and write back. Also, try to keep the conversation going so that neither of you gets bored.

5. Serving:
There are various additional activities that can distract drivers on the road. Take away at least one of them by providing food and drinks to the driver as needed. When they've finished, be sure to put everything away as well.

Most of us like visiting new places, but few enjoy the prolonged travel time required to get there. However, if you play any or all of these roles to make things easier for the driver, you may be able to transform a dull journey into a trip to remember.

Another thing we should all remember is not to drive or get into a vehicle without car insurance. Safety is paramount, and you should never overlook it. Having ideal car insurance offers several benefits to protect your finances against various eventualities.

Click HERE to get car insurance for your valuable asset.

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.

Do you ever feel like your eyes are burning, have redness, sting, or blurred vision, especially when reading? You might have dry eye syndrome.

A healthy tear film for the human eye is extremely important to retain good vision. People with dry eyes are unable to maintain a healthy coating of tears. This medical condition can hinder your day-to-day activities if not addressed in time. Here, you can learn about dry eyes, including symptoms, causes, prevention, and more.

What is dry eye syndrome?

Human eyes require a tear film to coat them, as it keeps the eye's surface clear and smooth and maintains good vision. When the eyes hardly produce tears, they are more likely to develop dry eyes. People suffering from dry eye syndrome cannot maintain a normal layer of tears to coat their eyes. This syndrome can also cause bacterial infections and a scar on the cornea.

Symptoms of dry eyes syndrome.

The most common symptoms of dry eye syndrome include pain, redness, and burning in the eyes. However, some people may experience other symptoms such as blurry vision, water tearing, eyes getting tired more quickly than usual, stringy mucus, and the feeling of having sand in their eyes. People with this syndrome often have difficulty sitting at a computer or reading a book for a long period.

Learning the signs of dry eye syndrome allows you to check whether you or someone around you has this medical condition. Get medical treatment if you find any symptoms of dry eyes syndrome.

What causes dry eyes syndrome?

Anyone, regardless of gender and race, can develop dry eye syndrome. However, older people are more prone to this eye condition. Also, women who have gone through menopause are at higher risk for this condition. Other causes include:

● Using contact lenses for a long time

● Being in the wind

● Breathing smoke

● Being in a very dry environment

Some medical conditions include rheumatoid arthritis and thyroid disease can also cause dry eye. You may also develop dry eye syndrome if you take sleeping pills, cold medicines, diuretics, heartburn medicines, antidepressants, or beta-blockers. Get your eye tested to avoid dry eye syndrome. It would also help you renew your health insurance online and enjoy no-claim benefits.

How to prevent dry eye syndrome?

You can prevent this eye condition by following these tips:

● Stay away from warm or dry rooms. If you use a heater or radiator in winter, ensure the required moisture in the room

● Avoid using hair dryers as much as possible

● Use artificial tear ointment before bed if you have dry, scratchy eyes in the morning

● Wear glasses to protect your eyes from the drying wind

● Consult your eye doctor about adding omega-3 fatty acids from foods like seafood to your diet

● Renew health insurance online to save money on doctor consultations and eye treatment expenses

What are the treatments available for dry eye syndrome?

Generally, people visit an ophthalmologist to diagnose their eyes for dry eye syndrome. They conduct various tests and provide different treatments. Some treatments include lacrimal plugs, artificial tears, medication, LipiFlow, surgery, and home care.

Dry eyes don't cause permanent vision loss. However, you should see a doctor if you suspect you are developing dry eyes, which can impair your vision. Follow prevention tips to reduce the risk of dry eyes. Make it a habit to wash your eyes regularly and indulge in quick exercise sessions to offer relief to the eyes. Renew your health insurance online to cover the expense of your other medical bills.

Click HERE to buy new car 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.

We've all been chased by honey bees at some point, or even worse, been stung by them. This situation can be severe and traumatic if not treated immediately. A honey bee sting causes a painful, swollen bump. While the pain can subside in a couple of days with the proper medication, there are a couple of home remedies that can provide immediate relief by reducing pain in the infected area.

Although honey bee bites can cause severe reactions in the body and be a huge risk for people with allergies, natural treatments are helpful to a great extent in mild cases.

In this blog, we will discuss methods that can help reduce the effects of honey bee stings. Without further ado, let's see how you can treat honey bee bites at home with these natural treatments!

1. Ice water should be the immediate reflex:
After getting stung, the first thing you are supposed to do is remove the stinger from the bitten area. Apply ice water immediately (for almost 20 minutes) to help treat the burning sensation and avoid excessive inflammation. Take an edgy object (for example, a card) and try to ooze the sting. Avoid scratching the area as it can cause the sting to spread and increase the swelling.

2. Essential oils are also a solution:
Lavender oils are potent neutralisers and one of the best remedies against the bee sting. It has proven anti-inflammatory properties and helps in reducing swelling. Applying a dab or two of lavender oil is sufficient to relieve the sting. You can also choose to mix the lavender essential oil with coconut oil. Apply an antibiotic cream at the end for improved and faster healing.

3. Say yes to honey:
Honey is proven to have several medicinal properties. Thanks to the compounds that can reduce inflammation and lessen swelling. It also helps avoid the risk of infection and fastens the healing due to its antibacterial properties. Ensure that the person stung by the bee is not allergic to honey, as the usage can unnecessarily worsen the situation.

4. Use aloe vera gel:
We are all aware of the numerous purpose aloe vera gel serves. It is excellent for your skin and hair and also helpful for gut issues. But in this case, this plant-based gel has antibacterial and anti-inflammatory abilities that effectively calm the burning area and bring down the inflammation.

5. Toothpaste as a remedy:
Besides brushing, toothpaste is an active remedy for bee bites. We all know the acid-base neutralisation process. The bee sting is acidic, and toothpaste (basic) can help neutralise the burning sensation of the sting. You can also use baking soda by mixing it with water and applying it to the sting site. But if you see any reverse reaction signs or any discomfort, make sure to rinse it off immediately.

Other ways to treat honey bee stings at home include apple cider vinegar, garlic juice, raw onion, raw potato, etc. Now that we have discussed how you can treat honey bee bites at home, we should also keep in mind the unfortunate circumstances one might face regarding their health. Irregularities in diet, poor eating habits, sleeping schedules, and lack of exercise significantly impact health quality and invite diseases.

It is essential to have active health insurance to include a safety net for all health-related problems. Keep the policy up-to-date and always ensure to renew it. You can easily purchase a policy or renew health insurance online to avoid the hassle and continue enjoying the benefits without any interruptions.

Click HERE to know more about how you can 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.

In 2023, one must gather basic information before getting a two wheeler insurance plan. Various two wheeler insurance options are now available from numerous insurance firms. But they aren't all the same, so you should compare them carefully before spending your hard-earned money on insurance. Selecting the best two wheeler insurance plan offers financial protection from potential losses.

Which two-wheeler insurance policies are offered in India?

For owners of two-wheelers, insurance companies provide third-party and comprehensive insurance coverage. You should carefully consider the distinction between them. It will help buyers choose the right plan that best meets their needs.

In 2023, there are five things to think about when purchasing a two-wheeler insurance policy.

1. The necessity for coverage:
Before buying a two-wheeler insurance policy, it is crucial to understand the coverage requirements. With the right coverage, people who own two-wheelers can get the best protection against third-party liability and other losses.

2. Knowing the Insurance Declared Value (IDV):
You should be aware of the market value of a vehicle at the time of the insurance declaration (IDV). Customers should evaluate the same and not overestimate or underestimate it because it will affect an insurance plan's premium.

3. Examining add-ons to the insurance policy:
Additional features that serve to improve protection are referred to as "add-ons." One should consider these things to get the most out of a two-wheeler insurance policy.

4. Selecting an established insurer:
Choose a reputable insurer to buy the two-wheeler insurance policy, the best customer and service experience. It is because not all insurers are the same, and reputable insurance companies have higher claim settlement ratios.

5. Renewables:
When purchasing two-wheeler insurance coverage from an insurer, you should consider renewability. It's undoubtedly helpful to have a simple and efficient renewal procedure. The best way to get a two-wheeler insurance policy is online.

The following procedures should be followed by anyone looking to purchase a two-wheeler insurance plan online.

1. Talking to other people:
When purchasing a 2 wheeler insurance policy, you should speak with peers. It will help determine if you need a third-party or full-coverage insurance plan and decide whether a plan would work for you.

2. Looking at online reviews:
Customers should study online reviews before purchasing a 2 wheeler insurance policy. You should examine the reviews of many plans before choosing the one that best fits your needs and budget, rather than just looking for the cheapest 2 wheeler insurance option with no accurate benefits.

3. Analysing the terms and conditions:
Two-wheeler owners should carefully read legal documents to avoid disputes and other problems after buying the policies.

4. Having a conversation with a company representative:
Owners of two-wheelers should speak with a company representative to get more information before choosing the least expensive 2 wheeler insurance in India. Concentrating more on one's goals allows one to understand the best plans that give protection against potential threats.

5. Buying online insurance:
Buying 2 wheeler insurance online is more structured and easy to operate. It allows you cheaper premium options and makes online payments instant and convenient. The entire online process is fast and hassle-free for the users.

A 2 wheeler insurance plan purchase entails several steps to get the right advice. Many insurance providers offer free quotations when customers wish to buy a 2 wheeler insurance plan. A plan with an expected cost is helpful when choosing one.

With the help of experienced staff and individual research, customers can easily buy 2 wheeler insurance online and get better protection against risk. Customisations are also an added advantage that allows insurers to bring down the cost of the policy they wish to buy.

Click HERE to buy the best 2 wheeler insurance for your bike.

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.

India has long been recognised for its illustrious past and imperial way of life. Its royal palaces were formerly the official residences of royal families but have since been turned into luxury historical hotels with old-world elegance and modern comforts.

Plenty of great palace hotels, particularly in the state of Rajasthan, are now open to visitors. You can visit these exquisite heritage hotels for your extended weekend plans and summer vacations. All of the listed hotels provide splendid service and a more personal experience.

Here are the four Indian palaces turned into hotels where you may indulge the maharaja inside you.

1. Taj Lake Palace, Udaipur:
The Taj Lake Palace in Udaipur is a historic hotel with magnificent rooms and many grand suites. Its location on an island in the middle of the lake Pichola provides exceptional sights of the nearby Aravalli hills, City Palace and Jag Mandir from each room.
The breathtaking setting is ideal for the delicious cuisine served at Taj Lake Palace's fine restaurants, solely available to resident guests. Udaipur, dubbed as the Venice of the East, has a great deal to offer with its spectacular palaces, serene lakes, fascinating temples, and beautiful gardens.

2. The Lalit Grand Palace, Srinagar:
The hotel was designed and constructed by Maharaja Pratap Singh during the 1900s. It has witnessed significant events in India's history and proudly continues the royal lineage with elegance.
It maintains well-equipped luxury suites, including cottages with spectacular design, an ample dining space, and a retail arcade. This beautiful palace is surrounded by the Himalayan peaks and overlooks the gorgeous Dal Lake.

3. Umaid Bhawan Palace, Jodhpur:
This piece of art built between the 1920s and 1940s is part of Rajasthan's legacy and a symbol of contemporary Jodhpur. The palace, formerly home to the royal family of Jodhpur, is now the world's 6th biggest private property.
One common feature that this property shares with Agra's Taj Mahal is the palm court marble used in its design. The palace is situated on Jodhpur's highest point, the Chittar Hills. Get impressed with unique views of the old Blue City, vast dunes, and the magnificent Mehrangarh Fort as you stay here.

4. Rambagh Palace, Jaipur:
Rambagh Palace, established in 1835, was home to Sawai Man Singh II. This jewel of a hotel has magnificently refurbished big luxury rooms and suites that were the erstwhile Maharaja's bedrooms once upon a time.
The palace has been lavishly embellished with hand-carved marble and beautiful Mughal Gardens. Immerse yourself into the finest of Rajasthan's royal history within this splendid palace.

Heritage hotels in India provide a royal treatment to the inner maharaja inside you. They are as stunning, if not more so, than any of Europe's colossal castles or impressive palaces. These remarkable palaces ensure a great and unique holiday to be remembered for years to come. As you plan your visit to these genuinely magical places, make sure you add general insurance to your checklist. Get the best plans for yourself from the most trusted general insurance company and make your travel plans safe and stress-free this summer.

Click HERE to buy insurance from the best general insurance company.

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 volatility of employment and predicting an incoming global economic recession are challenging. These make the consumers to save for tomorrow rather than spend on luxuries and comforts today. While motorcycles are cheaper than cars, they are by no means easy to afford with rising inflation, fuel costs, and other allied servicing costs.

This often leaves a majority of potential buyers to consider a second-hand motorcycle. While many have concerns about buying used motorcycles, by doing due diligence, inspecting the vehicle's mechanical condition, and purchasing two-wheeler insurance India, you can get your hands on a beneficial asset that can provide you with value for years to come!

Here is a checklist of bike parts and inspections to run through before purchasing a used motorcycle.

1. Engine:
The engine is the heart of any vehicle. To check the engine's condition, request the seller not to run the bike. A cold start is the best way to gauge the engine's usage and wear and tear. Look out for smoke from the exhaust pipe or any sputtering noises. Oil leaks are another sign to keep a watch for.

2. Drive chain and sprocket:
While these components may seem highly technical, they are readily identifiable parts in all two-wheelers. Simply put, it refers to the bike chain and the chain wheel, which facilitate gear engagement, acceleration, and power transmission.
Ideally, the chain should only have a slack of three-fourths of an inch to function appropriately and should not shift off the wheel when prodded. If the wheel displays signs of corrosion or wear and tear, it indicates a poorly-maintained bike. Ensure you list your dissatisfactions and factor them in when negotiating a fair price with the seller.

3. Tyres:
Well-maintained tyres are essential for a safe riding experience. Put the motorcycle on its centre stand and check its tread depths. Ensure that they are not too deep, which results in poor gripping and an excess risk of accidents. Cracks along the inner side or rubber toughening are signs of weathered tyres.
Also, check the wheel alignment by spinning the rear wheel. Any wobbling or creaking are indicators of weathered wheel bearings which require replacement. Ensure you check the tyres thoroughly to estimate the cost of repairs and acquisition of the used motorcycle.

4. Visible frame:
The motorcycle's frame can be challenging to inspect depending on the effort spent to spot the issues. Scratches and dents may be the signs of accidents that inevitably affect the overall functionality of the bike's components.
In case you purchase such bikes, even after buying two wheeler insurance India, you may not be able to claim the insurance amount due to the vehicle's poor condition before the accident.

5. Under-seat storage:
An often overlooked part, the under-seat storage locking mechanism, must be checked when purchasing the vehicle. Feel around the space underneath the seat to ensure that it is steady to fit your belongings.

6. Odometer:
Contrary to popular belief, it is easy to replace an odometer. Sellers of old vehicles can tamper with the odometer and try to sell off an old bike as a relatively new one. After inspecting the motorcycle as per the above checklist, check the odometer reading. Ensure that it is aligned with the condition of the vehicle.

While this is not a comprehensive list, it covers the essential things to check before purchasing a used motorcycle to protect yourself from misrepresentation and unfavourable deals. Additionally, since used bikes have a relatively unsafe perception, we recommend buying 2 wheeler insurance online to protect yourself from the risk of financial losses due to accidents.

Click HERE to buy a robust 2 wheeler insurance online for your motorcycle.

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.