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GENERAL INSURANCE BLOG

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Before you buy your car, here’s all you need to know about ex-showroom and on-road prices

You have saved money for a long time to be able to finally buy your dream car and bring it home. It is a special feeling to give whatever it takes to turn your dream into a reality. However, you should know the various aspects of car buying in India. Before you consider buying a car, you need to understand the difference between the ex-showroom price and the on-road price.

If you don't know what these two terms mean, this article will help you. You will be familiarised with everything that can determine your car's price and help you consider all these parameters before you invest money in a car.

*pro-tip
You should always buy new car insurance for your car to keep it secure and take care of the expenses against any unforeseen accidents.

What is the Ex-showroom price?

The ex-showroom price is a price tag posted on various vehicles like cars or bikes in the showroom. It does not include road taxes, RTO registration, insurance, etc.

To understand the price at the ex-showroom, you need to know that:

● The ex-showroom price is the price you see being advertised on television, the internet, and on the car manufacturer’s website and brochures.

● You need to pay the additional amount for road tax, the registration fee for RTO, and insurance before you own a car. If you do not, you can be charged with a variety of penalties or challans in India.

● The price displayed as the ex-showroom price includes GST, ex-factory cost, and profit margins.

What is the On-road price?

The on-road price of a vehicle refers to the total price you pay to start driving the vehicle on the road. Simply buying the vehicle from the showroom is not enough. You must pay for several other things if you legally want to drive your car in India.
Some important things to consider under the on-road price are:

● It includes a variety of prices like ex-showroom price, registration fee, road tax, and insurance policy, among others.

● If you need any new accessories, they will also be added to your final bill with applicable taxes.

Difference between On-Road and Ex-Showroom price:

1. The ex-showroom price is the price tag excluding other factors like tax, insurance, and registration fee. The on-road price uses all the additional charges: life insurance policy, road tax, registration fee of RTO, and so on.

2. The ex-showroom price does not justify the final price of your car. You need to pay a lot of additional costs. On the other hand, the on-road price is the final price of a vehicle. You need not pay additional costs.

This gives you enough insight into how the car is priced at the showrooms. The price you see on the internet is clickbait to lure you into buying the car. You should be fully aware of the on-road price of a car before you buy it. This will help you analyse your budget better and prevent you from going overboard with your decision. You should also buy new car insurance that gives the best insurance coverage against any mishaps.

Click HERE to buy new car insurance to safeguard 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.

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Six tips for choosing the right auto repair shop

Owning an automobile is one of the most rewarding things in life. Going on long road trips, midnight drives, or simply commuting between your office and home, having your own vehicle is sure to make you happy. But like everything, this also comes with its set of challenges. Zeroing down on the best car insurance company in India, and choosing the right auto repair service are just a few of the many things that need your attention.

Selecting an auto repair shop is not only about the care that your car gets but also about the rates, reviews, customer service, and overall experience. It is a good idea to look for options even before your automobile faces any issue so that you already know where to go. Let's look at a few ways to select a reliable auto repair shop.

1. Experience:
Your car's relationship is with the mechanic, not the company. Look at customer reviews online and get to know the mechanic who will be working on your vehicle. Having an experienced mechanic allows you to have peace of mind.

2. Company-specific service provider:
Repair shops that specialise in specific companies have more hands-on training with upgraded instruments and tools. So, it is best to go to a service provider who deals with the same company as you.

3. Online reviews:
Online reviews are a great way to understand the history of the company. More often than not, people tend to leave reviews of bad experiences they have had with the company. Keep in mind that not all companies have a 5-star rating. So going by the reviews and personal entries, you can make an informed decision about what kind of service you require.

4. Estimate pricing:
Solely depending on your car servicing agent might not be a good idea. Asking around in various service centres and mechanic shops, online rates, etc., can be an excellent way to estimate the money you might have to shell out during or after the process.

5. Warranties:
Ask your mechanic about warranties on different parts. This time frame varies from place to place. Having a good warranty period is crucial to ensure better car performance. A warranty ensures that you get a replacement free of cost.

6. Off-site services:
Sometimes, your car can break down during your journey. Under these circumstances, having your service provider's support will make it easier to avoid further damage. Before signing up for the services, talk to the staff and understand if they are willing to service your vehicle outside of the service centre. Having this added benefit goes a long way and ensures the credibility of your repair shop.

You need to keep these points in mind while choosing your repair shop. Having the right mechanic work on your car is a boon for you and your vehicle. Poor servicing can lead to poor performance and be costly in the longer run. To save yourself from the extra expenditure, it is an excellent option to first look for the best car insurance company in India. Car insurance can offer a bundle of exclusive benefits useful during unexpected mishaps.

Click HERE to know more about the best car 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.

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Practice these care tips to keep your car's tyres and rims in good condition

A car has become more of a need than a luxury in recent times. It makes commuting and travelling highly convenient. People invest their time, effort and capital while purchasing a car to ensure it is to their liking while meeting their requirements. Many factors influence their purchase, like the model, budget, convenience, features, etc.

Taking care of your vehicle is crucial. You need to ensure that your car is regularly maintained, cleaned and goes for servicing periodically, as instructed. Always use authentic auto spare parts and follow all the service standards recommended by the manufacturer.

There are also chances that many exterior parts might get damaged due to extensive use of the vehicle. The wheels face maximum wear and tear due to constant friction. Practice these care tips to keep your car’s tyres and rims in good condition.

1. Pressure:
It is essential to check the air pressure of your car’s tyres, preferably before you start driving. Suppose the pressure is below the recommended limit, then there is a considerable danger of a blowout that might disbalance your car. This condition can wreak havoc on your driving and risk your safety. In addition to this, low pressure also reduces your vehicle’s efficiency, mileage and affects the life of the tyres.

2. Inspection:
You need to deeply examine your vehicle’s tyres for unusual wear and tears, cuts, punctures or other damages. Get the car checked by an expert for repair or replacement if needed. In case of a puncture, replace the tyre with a spare until you get to a service centre and have it inspected by a mechanic thoroughly. Call a professional if you’re stuck with a damaged tyre in the middle of a long-distance road trip.

3. Rotation:
Maintain a rotational routine of your car tyres to ensure an even balance of tread wear. Ensure proper examination of the tyres by a professional during the rotation procedure. They can help you determine early or late wearing down and find the reason to save you from any further risks.

4. Curbs:
Bumping into or driving close to the curbs can damage or bend the rims. Try practising parallel parking with cones or other items that will not scrape off your rims if you bump into them.

5. Properly clean up:
Use standard quality products and cloth materials to clean the rims of the wheels. You can risk corrosion of the metallic coats and cause damage to the alloys if you use acid-based cleaners. Use a gentle soap and water mixture and rub firmly to make the rims shine.

6. Alignment:
Misaligned wheels can lead them to wear out unevenly. This ultimately causes loss of control, reduces their strength, and amplifies fuel consumption, reducing efficiency. Get your alignment adjusted whenever you get your car inspected by a mechanic.

Other tips to keep tyres and rims in good condition include maintaining good driving practices, avoiding overloading your car, inspecting the tread depth, ensuring that the spare tyre is in perfect state, accurate wheel balance, etc.

We covered one crucial aspect about taking proper care of your car. But to avoid any severe damages and monetary stress due to unprecedented circumstances, it is wise to get your vehicle insured. Purchase car insurance that caters to your needs and safeguards your vehicle from damages and financial loss.

Click HERE to know more about 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.

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A complete guide on hamstring injuries and the best ways to get relief

While YOLO (You Only Live Once) can be the mantra for many of us to enjoy and create beautiful memories, it is also important to remember that accidents come without warning. The slightest of injuries can make your life uncomfortable to an unimaginable extent. You can never be too cautious, and it does not harm to be careful and vigilant about the body against the potential dangers in the surroundings.

This blog is a complete guide on hamstring injuries and the best ways to get relief. If you are someone who has no information about hamstring injuries, their diagnosis, recommended treatments, symptoms, and causes, do not worry. Here we answer all your questions about hamstring injuries right from the meaning. So, without any further delay, let’s get started!

1. What is a hamstring injury:
Often, you might have noticed athletes and people who are into fitness and go to the gym regularly get their muscles pulled. A strain or a tear in the muscles or tendons in the backward portion of your thigh is described as a hamstring injury.
Athletes, gymnasts, and sportspeople who practice long jumps, high jumps, climbing, etc., are usually at risk of these hamstring injuries, which can make movement and daily chores and practice very difficult for them. In some cases, the severity of the damage and the induced pain can lead to getting disqualified from the competition or complete bed rest.

2. Let’s learn a little more about hamstring:
The hamstring joins the bone and the largest thigh muscle in your body and helps the leg bend and stretch easily. When you jump, climb a rope, jump, stretch, run or sprint, your hamstrings are used extensively.
The level of the injury is described by the extent of damage caused to the hamstring. A grade one injury involves a slight muscle pull, whereas a grade two injury indicates a partial muscle tear. The most severe grade three injury occurs when there is a complete muscle tear.

Note: if someone has suffered a hamstring injury, it makes them prone to it in the future if they do not take proper care.

3. How is the hamstring damaged:
The causes include overstretching, lack of rest combined with fatigue after a heavy workout session, a direct hit on your thigh, insufficient warm-up before athletic and sports activities or workouts, lack of a pre-conditioning program, and a history of hamstring injuries.

4. What are the symptoms:
You need to be aware of the symptoms of different grades of hamstring injuries (as discussed in the second point). If you have a grade one injury, you will experience sudden increasing pain in the backward portion of your thigh, leading to difficulty in movement. In this stage, your leg strength will remain unaffected.
If you have a grade two injury, you will experience some inflammation, redness, swelling, soreness, bruise patches, and a decrease in the strength of your leg. A grade three injury will worsen the pain, inflammation, swelling, bruise marks, and tenderness. A popping sensation occurs when you initially injure the hamstring.

5. Best ways to get relief:
The RICE method: rest, ice, compression, and elevation are essential to help you manage the injury and get relief from the pain and the soreness in your hamstring. Avoid excessive movement till the soreness goes away and the swelling goes down. Ice the area at fifteen-minute intervals for the next day or two.
A thigh sleeve (elastic, preferably) or a compression wrap is a wise choice to help support the area during the slightest movement. Subtle exercises like lifting your leg to a comfortable level while sitting on a chair or the edge of the bed help during the icing intervals. Crutches are advised if the movement is unbearably painful.

You must be careful and take the required measures to be watchful about your body. It is also wise to get personal accident insurance to avoid monetary stress in times of difficulty. You can explore all your options and purchase the best personal accident insurance online which suits your requirements.

Click HERE to learn more about buying personal accident 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.

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Get rapid relief from sore throat with these natural remedies

Waking up with a sore throat can be worse than waking up from a nightmare. Every time you gulp your food or cough feels like sheer torture. On most days, the sore throat may vanish if you drink enough warm liquids, but sometimes it can take days to heal.

The pain and itch in the throat can be troublesome enough to distract you from your day’s routine and cause constant discomfort. There can be several causes for a sore throat like viral and bacterial infections, acid reflux, etc. While taking medicine for these illnesses is an effective way of getting rid of soreness, it may still take time to give you some comfort.

Antibiotics can take days to help, and if you have an important meeting to attend, you may be in for some trouble. Worry not; here are a few helpful natural remedies that can give you instant relief from a prolonged sore throat!

1. Saltwater gargles:
Gargling with salt mixed in warm water is one of the best and quickest remedies to relieve a sore throat. If an infection or inflammation causes your sore throat, warm salt water can help kill the bacteria present in the throat and reduce any inflammation.
Mix half a spoon of salt in a glass of warm water and gargle for at least 10 minutes. This will instantly kill any germs present, soothe irritation and calm swelling or inflammation.

2. Honey and Lemon:
Honey has antibacterial properties, which significantly reduces inflammation and soothes your throat. Lemon juice contains vitamin C to boost your immunity, break down the mucus and help you fight your infection. Add one spoon of lemon juice and two spoons of honey to warm water or tea and sip on it as a soothing concoction to get pain relief in a matter of minutes.

3. Chamomile or herbal tea:
Our ancestors have used herbal teas for ages knowing their medicinal properties. Chamomile or herbal tea has antioxidant properties that instantly calm inflammation and kill germs. Drink a cup of hot chamomile tea to soothe your throat from itching. You can add ingredients like turmeric to the tea to boost your immune system.

4. Steam inhalation
Steam inhalation is the best way to relieve your blocked sinuses, kill germs present in your nasal and throat cavity and clear the throat. It also helps you expel all the phlegm that may be causing congestion or soreness in your throat. Boil a pot of water and inhale through your nose and mouth to instantly relieve your sinuses. Continue this for a good 15 minutes to calm your irritable throat.

5. Cough syrup and lozenges:
While doctors usually prescribe cough syrups to fight infections, you can also use them to soothe your throat. Cough syrups have soothing anti-inflammatory properties that act not only on the infection but also on the inflammation in the throat.

You can also chew on lozenges containing ingredients like gingers, honey, lemon and peppermint to produce enough saliva that prevents your throat from drying out. This ultimately soothes your sore throat.

While you can simply buy online health insurance and ensure a safe future for you and your family, dealing with constant health ailments can be vexing. These few quick home remedies can give you rapid relief from a common cold or sore throat to make your daily life simpler! Try practising mindful activities like yoga, meditation, and pranayam to keep your body in the best shape possible and promote a healthy lifestyle.

Click HERE to buy online health 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.

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Best tips for uphill bicycle riding

Cycling has seen an increased number of enthusiasts over the past couple of years. Fitness lovers found a new way to keep themselves fit by cycling to the public parks as an alternative to the gyms. Cycling is an activity that does not require a lot of skill and techniques. Still, if you want to learn more about cycling as a sport or wish to venture into various terrains on your bicycle, there are a few things that you should keep in mind to make the process easier and more enjoyable.

One of the most challenging parts of cycling is traversing uphill roads. It is both exhausting and time taking. But with the proper techniques, you can easily manoeuvre this route.

Today we will discuss a few ways to make your uphill journey on the bicycle easier.

1. Do not start fast:
Many riders make the mistake of starting fast, right at the bottom of the uphill journey. This can be the first mistake that you make while riding uphill. Depending on the ascend and the steepness of the slope, it is best to distribute your energy and utilise it on the last leg of the peak. The final portion of the rise requires the maximum energy as it is the steepest part of the ascend.

2. Alternate between sitting and standing position:
Alternating between these two positions can help you significantly in manoeuvring the climb. Cover the distance while being seated and as you reach the final climb, stand up to increase the energy and to acquire the desired push. Activate your muscles, lift your body, and apply pressure using your legs to pedal heavily.

3. Finding a rhythm:
For longer climbs, it is best to set a riding pattern. As mentioned above, switching between speeds, positions etc., can help you form a rhythm and help you focus your energy more on riding instead of ascending.
Find a rhythm that works for you. Gasping is a sign of wrong techniques and wasted energy. For more extended periods of time on the ascend, your breathing should be deep constant.

4. Set small milestones:
Conquering the peak in one go can be a daunting task. Instead of looking at it as a mammoth assignment, it is best to set smaller goals instead. While making the climb, take note of the small details on the road. Like a post box, garbage bin or a tree. Setting these small goals can be an incentive for you.
You can associate these goals with rewards, such as after you reach a goal, you can change your pace, try a new method or just stop for a bit. This way, the road becomes a journey and not a task.

5. Don’t fight the wind:
Fighting the wind is probably the worst thing a rider can do. Your overall speed and energy levels are massively affected by the wind and its direction. Fighting against the wind always means using up all your energy which you can use later for your ascend. Instead, go slow if the wind is against your riding direction.

Sparing sometime of your day for such physical activities can help you in the long run. However, excessive cycling can lead to injuries and a weaker immune system. Uphill riding is never an easy venture, and acing it requires fitness and determination.

In the process, you might even face injuries and mishaps. This is why it is essential to strike a balance. In case of an injury, doctors suggest various physiotherapy sessions and other medications. These treatments can burn a hole in your pocket; hence you should consider buying an individual personal accident insurance policy. Individual personal accident insurance policy safeguards you in case of accidents and injuries, and the cost incurred during your treatment.

So, keep your passion for cycling alive, and ride your way to fitness!

Click HERE to know more about individual personal accident insurance policy.

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.

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Understand these signs that show newborn illness and immediately act on them

Bringing home your newborn from the hospital is a wonderful yet challenging experience as a parent. The fear of the infant getting sick is a big worry. It takes time to understand typical infant behaviour and gauge abnormalities, which can be challenging.

Detecting initial signs of illness is crucial as it gets difficult for infants to fight off diseases that spread swiftly due to weak immune systems. Comparing family floater plans offered by online health insurance companies is an equally important step to consider to protect your baby.

Additionally, here are some symptoms of newborn illnesses to be aware of.

1. Consistent crying or irritability:
A baby can only communicate its needs by crying, be it hunger, tiredness, loneliness, a change of diaper, or discomfort. At first, you might not understand your baby's cries, but cancel out reasons to identify the cause. Consistent irritability and cries are signs of sickness.

2. Fever:
Bacterial and viral infections, including pneumonia, ear infections, stomach bugs, and urine infections, can cause a fever. Use a digital or mercury-free glass rectal thermometer to take your child's temperature. A temperature of up to 100 degrees is considered normal. For children younger than three months, a temperature of 100 degrees or more, and 101 degrees for children between 3 and 6 months is the threshold, after which you must immediately contact the doctor.

3. Apathy or laziness:
Being tired, dizzy, listless, or excessively sleepy without responding to sounds and sights or reduced appetite are gradual changes you may notice. Lethargy may be a symptom of an infection or other illnesses, like low blood sugar. If your infant shows fatigue or isn't as active as before, consult the doctor.

4. Little appetite:
Most babies eat every three to four hours after the first day, and they will typically express their hunger by sucking on their hands or fingers, screaming, or making yelling gestures with their hands or fingers. Contact your paediatrician if your infant refuses to eat and skips multiple feedings.

5. Vomiting and diarrhoea:
Intestinal, bacterial, or viral infections and obstructions can cause vomiting and diarrhoea. Regular examination of your baby's poop can help the doctor identify bacterial infections. The symptoms of viral infections generally go away after about a week without medication.

6. Inconsistent stools:
Your infant may lose excess fluids due to a fever, illness, or heat and have extremely dry stools. Once your baby begins eating solids, excessive consumption may cause constipation and the formation of firm stools due to difficulty in digestion.

7. Urination:
Typically, babies soil a minimum of four diapers daily. Excessive urination could be due to an infection or other urinary tract issues, such as distress while peeing. A pinkish stain on your baby's diaper indicates concentrated urine and is not worrisome—however, blood in its diaper or persisting discomfort requires a doctor's intervention.

Immediate steps of actions:

Caring for an infant is a significant responsibility that requires prior planning. We encourage to-be and new parents to compare infant insurance offered by online health insurance companies and prioritise their child's health.

Once you notice any symptoms persisting for long periods and deviations from typical behaviour, rush to the doctor. Ensure you follow the doctor's advice to nursing your child back to health. Additional preventive measures include:

● Introducing easy-to-digest foods

● Keeping a constant watch on your newborn

● Maintaining a clean environment

Dealing with kids is always a challenging task, especially when it comes to infants. Since they have weaker immune systems and cannot do things for themselves, it is the parent’s responsibility to make prior arrangements to provide the best possible environment for the infant to thrive in. You can start by including your infant in your family insurance plan after carefully considering the alternatives online health insurance companies offer.

Click HERE to buy insurance for infants from online health insurance companies.

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.

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Know more about the long term effects of using cosmetics

Cosmetics have become an integral part of our daily lifestyle. Facial makeup, perfumes, nail polishes, eye makeup, hair colours, etc., all enhance our physical attributes and appearances. The cosmetics market has developed various products for different cultures, skin tones, types, and seasons.

While these products may accentuate your physical features and give you a sense of confidence, they can be harmful in the long run. The high chemical contents present in cosmetics can be toxic to your skin. Often, the side effects of these chemical ingredients are not mentioned on the packaging.

The harsh chemicals in cosmetic products can affect the functioning of your skin's protective barrier, making it significantly easier for pathogens to enter your skin. Regular usage of makeup can hurt your skin's glow.

This article will discuss the long-term side effects of using cosmetics. You need to be aware of these consequences to be vigilant about the ingredients and the usage of cosmetic products.

1. Ageing:
One of the worst things you can do to your skin is to apply makeup without sunscreen. When you expose your skin to the sun, it damages your skin and leads to premature ageing signs like wrinkles, age spots, and fine lines. Also, make sure that you remove your makeup before calling it a night; otherwise, it can get into your pores and break the elastin, thus causing wrinkles.

2. Cancer:
Many cosmetic products like waterproof mascaras, foundations and long-lasting liquid lipsticks contain polyfluoroalkyl substances. These toxic chemicals are proven to cause cancer. When added, they change the properties of surfaces to make them resistant. PFAS are usually not mentioned on the packaging and labels of cosmetic products, making it difficult for consumers to detect their presence.

3. Allergy issues:
Cosmetic products are made with different ingredients. Some are formulated with mild components that don't affect your skin's health. However, products with strong and harsh elements like parabens and SLS-Sodium Laureth Sulfates can trigger your allergies, severely damaging your skin.

4. Acute risks:
Several cosmetic products have ingredients that pose the risk of burns and infections. Hair-straightening products (keratin treatments) contain formaldehyde. Frequent usage of such products can cause blisters, extreme hair fall, rashes, etc.

5. Behavioural issues:
Makeup products consist of eyeliners and lipsticks. Lead (heavy metal) is a component of these makeup essentials. If ingested in small amounts over time, it can have severe consequences like behaviour and cognitive problems, which can be concerning and can disturb your everyday lifestyle.

Now that we have discussed the long-term side effects of using cosmetics, it would be wise of you to consider safeguarding your health in case of unforeseeable circumstances.

Health emergencies bring in a lot of monetary pressure, causing additional stress. You can buy health insurance online to save yourself and your family from the financial load of unprecedented situations. Lastly, act wise, never overuse cosmetics, and use natural products free from harmful chemicals.

Click HERE to know more about how you can buy 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.

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Best tips to improve your singing voice at home

“Music is the soundtrack of your life” – Dick Clark.
It is unimaginable to have a life without music and the ability to enjoy it. For most of us, music has been a medium that helps us navigate through the daily hustle of our lives. Few of us are blessed with singing ability, while the others are not.

Irrespective of whether we know or don’t know singing, we enjoy it in our solitude limited to our bathrooms or bedrooms. In this article, we will discuss a few ways to improve this craft and support your singing voice while being in the comfort of your home.

1. Warm-up:
People commonly discuss the importance of warming up for a sports activity but conveniently forget the importance of the same during singing. There are various ways to warm up your vocal cords to prepare before singing. Various jaw and muscle exercises such as blowing through your lips and sticking out the tongue can go a long way.
Another way to warm up your vocal cord is by humming tunes. Indian classical musicians use “sa re ga ma”. Using different variations of these notes is an excellent way to practice pitch and voice modulation.

2. Hydrate yourself:
If you are confused about what to drink before the event, then your answer is water. Drinking lukewarm water during rehearsals helps lubricate your vocal cords. Hydrated vocal cords ensure that you put forward your best performance. Another great alternative is herbal tea which has plenty of health benefits for your throat.

3. Take breaks:
Like any other activity, your vocal cords need rest as well. Over exerting your voice can lead to cracks, soreness, and itchiness that can tear your voice while performing. This can also lead to allergies and also aggravate any pre-existing problem. Hence you must avoid practicing on the day of the event. However, if it is mandatory, try not to strain your voice. Instead, try humming.

4. Avoid harmful substances:
Cold and aerated drinks should be avoided entirely for the good health of your vocal cords, as the high content of sugar in aerated drinks are harmful to your vocal cords. Smoking is highly detrimental to your vocal health and can lead to long term damage. When you smoke, you are subjecting your vocal cords to toxic materials—everything you breathe in passes through your throat, which can lead to permanent damage.
You should also be mindful of carrying masks or scarves while travelling through a highly polluted environment. While drinking alcohol has no direct effect on your vocal cord, it is dehydrating and inflammatory, hence not advisable for singers.

5. Do not sing if it hurts:
If you feel a strain on your throat, it is best to avoid singing. Straining your vocal cord can be devastating and can cause cysts in the long run. It is best to give your throat the rest that it needs. However, if the problem persists, visit your doctor.

6. Regular check-ups:
It is wise to visit your ENT specialist regularly. If you are experiencing any trouble, your doctor will examine the underlying problem. The doctor might suggest a few scans and medications that you can take for the speedy recovery of your throat.

These are a few ways to take care of your throat and your singing voice. As mentioned above, consider going to the doctor when you feel any kind of uneasiness associated with your throat. Avoid straining your vocal cords. If you are considering regular checkups, investing in health insurance will be a good idea as it will act as a safety net in case of any expense you might face during your treatment.

Click HERE to know more about health 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.

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Tips for hosting the perfect party at home

At-home gatherings are now again in fashion post-pandemic. However, throwing a simple house party requires the right mindset, preparation, and skills to have an epic event. Make sure everyone will enjoy themselves if you're planning to host a dinner party, a modest birthday celebration, or any achievement.

Your gathering will be the party of the year if you follow these easy hosting recommendations.

1. Make a plan:
No matter how big or small, house parties are necessary to celebrate all of life's significant occasions. We've discovered from some of the event experts that preparation is half the pleasure. Prepare the invitee list in advance, deep clean your dining area or living room, and also remember to set up little sanitising stations throughout the gathering.

2. Decor objectives:
The house's decor would be the next thing to be played with. The cushions and upholstery can be changed to suit the occasion. As colour coordination is essential for tying the space together, you may use flowers to fill the day's mood. These simple and quick modifications give the impression that a lot of work was put into them.

3. Play quality music:
Party vibes are incomplete without happening music. Play fantastic playlists to keep the party going, whether it is an afternoon brunch with friends, a baby or bridal shower, or a holiday party. Keep the sound manageable so you can converse with your guests.

4. Proper lighting:
A well-lit space is needed every day, especially when you have company. Make sure all windows are open and provide plenty of natural light for a gathering during the day. In the evening, warm lighting creates a cosy atmosphere. The proper lighting transforms a room instantaneously, bringing out all of your home's lovely nooks and places.

5. Pay attention to the minor details:
Having additional closet space for jackets might be a simple example of this. These thoughtful additions will give guests the impression that you put a lot of consideration into this at-home party.

6. Absolute clarity:
First, ensure your environment is clutter-free, especially the hosting area. This advice is very relevant when young children are present because they frequently leave their playthings in impromptu locations throughout the house. Remember that a clean space feels airy, pleasant, and warm.

7. Understand your guests:
This is essential to mastering the art of entertaining at home. Understanding your visitors' preferences, dislikes, and ideas about what is most enjoyable is necessary. Take advantage of their preferences or encourage them to try new dishes you have prepared for the occasion.

8. Play games frequently:
A basic board game or a deck of cards should always be available if your party turns into a game event. At night's end, these essentials are impressive. Outstanding cuisine, good company, and extraordinary beverages are the ingredients of a successful party.

9. Ask for assistance:
You might want to appear to have it all together. We are here to tell you that just because you are having a party doesn't mean you have to do everything yourself. Invite your friends to bring wine, dessert, or other light fare food. A little aid can go a long way.

Nobody wants to feel tense during a party, dinner, or other function. Make everyone feel as though you are happy to have them there.

Also, a home is one of the most important investments you may strive to make throughout your life. However, you need to secure and protect this crucial life investment. House insurance India can help protect your home and your belongings against unanticipated events like burglaries, fires, floods, storms, and explosions. Buy the best house insurance India policy today, and always be prepared to celebrate good times at your dream home.

Click HERE to buy the best house 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.

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What's under a car’s bonnet? A basic guide for new drivers

Driving can be an overwhelming experience, at least when learning the basics of safe driving. While not difficult, it is a task that requires the presence of mind, effective judgement, and, most important of all, confidence. The more you know and the further you drive, the better driver you become.

Sitting in the driver's seat can be confusing initially, as various components are essential to the smooth functioning of a car, and it is impossible to know their importance and how to operate them instantly. While no manual can replace regular practice, you must brush up on the car's know-how to become a confident driver. Having complete knowledge of car features makes you enjoy driving your vehicle.

One such important section is the bonnet of your car. Located at the front of the car, lifting your bonnet will open up a whole new world. Most people need to learn about the components of a bonnet and the functioning of each part. While it may seem complicated, it is advised to know the basics of the workings of the machinery. Since breakdowns don't occur post-announcement, awareness of its working can resolve the breaking of your machinery.

You should also check under your bonnet regularly to avoid problems later. Also, you should buy car insurance in advance to avoid hassles later. Review the car insurance price in India before you invest in any.

For now, let's look at the basics of what lies under your bonnet.

1. Engine:
The engine is the most critical component located under your bonnet. The extensive working of the engine can be complicated. You don’t need to understand the work in detail. You just require to have a basic knowledge of the same. Here, the fuel consumed by your car is turned into power to run the vehicle. You should look for signs of wear and tear here. A professional inspection may help identify the same and point out any cause for concern. Frequently check for the level of different fluids like engine oil, coolant, etc., especially before planning a long trip.

2. Battery:
The batteries are surrounded by a protective shield and are easy to spot under your bonnet. The rectangular battery box has terminals on both ends, which are differently coloured. Red indicates a positive terminal, while black indicates a negative one.

3. Alternator:
Alternators are responsible for powering up the batteries, which keeps the car up and running. If it breaks down, it can lead to significant problems, including affecting the engine's functioning. The alternators resemble a wheel with slits on the side.

4. Radiator:
This is an essential component of the car that helps maintain the ideal temperature of the car engine. It regulates the temperature extensively. You should not interfere with the radiator much as it can be highly hazardous.

5. Engine coolant:
This fluid is responsible for keeping the engine's temperature in check and preventing it from overheating. You should check the fluid level regularly. It should lie between the minimum and maximum levels. You can easily spot the coolant tank upon opening the bonnet. The coolant should combine water and antifreeze.

Other important components that lie underneath include brake fluid, dipsticks, oil, crankshaft, belts, and cylinders. They have a distinct functioning of their own. You need to know the basics of the major components of your car's bonnet before you start driving a car. It always comes in handy, mainly when your car breaks down midway. You should also have suitable car insurance that protects it financially. However, before buying, you should know the car insurance price in India to understand various options and invest in the best one.

Click HERE to buy the best car insurance to protect 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.

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Try these effective home remedies to get rid of constipation

Constipation is the most prevalent digestive condition and can affect people of all ages. It is often not indicative of anything dangerous, but it can certainly create discomfort and aggravation. It can occur due to various reasons, including a lack of fibre consumption, exercise, water intake, the use of certain drugs or pregnancy.

Prolonged constipation can be caused by various factors, including poor eating habits or a medical condition. Changing your habits or turning to over-the-counter medications might quickly alleviate occasional instances of constipation. You must buy health insurance online India to safeguard your health against troubles in an emergency.

Try some of these essential home remedies for constipation alleviation to see if they work for you.

1. Warm water:
Poor hydration is a typical cause of constipation, making it harder to expel hard stools from one's system. Therefore, increasing water consumption is the first and most straightforward cure for constipation.
You must drink lukewarm water as often as possible. If constipation is a recurring problem for you, make it a habit to drink at least one glass of lukewarm water in the morning.

2. Ginger:
Ginger is commonly used to enhance flavour, but it also has many health advantages. Being a prominent spice in every Indian kitchen, it is recognised for its natural laxative effects. Consumption of ginger aids in promoting bowel movement and the treatment of constipation. Drinking ginger tea or massaging your abdomen with ginger essential oil are some effective methods.

3. Fibre-rich foods:
Foods rich in fibre can provide instant relief and may even be beneficial in preventing constipation in the long run. Soluble fibre can aid in absorbing water and binding fatty acids. This results in the formation of a gel, which leads to softer stools.

4. Coffee:
Bowel movement can also be induced by the contraction of the abdominal muscles when drinking caffeinated beverages. To aid in the movement of the stool, drinking coffee can be helpful. One or two cups will readily alleviate constipation.

5. Lemon juice:
Lemons are naturally acidic and high in vitamin C and antioxidants. Constipation can be cured by drinking warm water with lemon juice, a common home remedy for the condition.
This helps remove waste products from the digestive tract and draws water into the intestines. Water helps soften stool and encourages bowel motions when the volume of water in the body increases.

6. Probiotic:
Probiotics are well-known to support maintaining a healthy digestive tract. They contain beneficial strains of bacteria such as Bifidobacterium and Lactobacillus, which help keep a healthy digestive system.
Natural probiotics can be found in various foods, including sauerkraut, yoghurt, and kefir, which are all readily available. Those who suffer from stomach troubles should use these remedies regularly.

7. Pineapple juice:
Besides being delicious, pineapple juice provides a long list of health advantages. Because it contains a digestive enzyme known as bromelain, it can help to relieve constipation, bloating, and stomach cramping.

Constipation may appear to be a minor condition, but it can harm your overall health and well-being if left untreated. It can also indicate an underlying condition and alert you before things worsen. Health ailments such as intestinal blockages, metabolic problems, pelvic prolapse, or even colon cancer can be the next stage of untreated and regular constipation. To keep yourself protected under the umbrella of health benefits, buy health insurance online India for a happy life.

Click HERE to buy health 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.

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Five best diet tips for people with lactose intolerance

Have you felt sick after eating a meal that comprises dairy products? This is a common condition that people suffer from, and the condition is called lactose intolerance. People with this condition cannot digest lactose, a type of sugar present in dairy products such as milk. It bars people from consuming a large variety of products since our country’s staple diet involves a large quantity of milk and other dairy products.

Over time, several alternative food products are introduced in the market for lactose-intolerant people. Those with the condition can use dairy-free products like soy milk, almond milk, and coconut milk while cooking to replace lactose-based products. However, even with new alternatives to dairy products, lactose intolerance has no cure and can only be managed by itself. You can only invest in reliable health insurance in India to secure your overall health in the future.

Even though undigested lactose is not severe, it can cause extreme discomfort, stomach cramps and intestinal pain, gas, and diarrhoea. Here are a few daily dietary tips that you can follow to manage your lactose intolerance better!

1. Avoid dairy-rich food products:
It is better to avoid consuming anything that can push your body over the edge. Avoid foods with high amounts of dairy content. The best method to follow is the 80/20 method. It involves having your diet composed of 80 per cent dairy-free food and 20 per cent dairy food.

2. Opt for reliable dairy-free products:
Opting for good quality dairy-free products can prevent you from developing symptoms of lactose intolerance. Many low-lactose and lactose-free products are available today and can enrich your daily diet without causing significant changes. Use almond milk or a dairy-free creamer for your coffee or low-lactose cheese for a burger.
While purchasing these products, you must ensure that they are FDA approved and authentic enough. Several products that claim to be dairy-free may not be completely free of lactose. As a trusting consumer, you may consume large quantities of these products and end up suffering from the symptoms anyway. Being a wise and knowledgeable consumer is critical when suffering from certain health conditions.

3. Choose yoghurt over milk:
Several lactose-intolerant people find yoghurt easier to digest than milk. Active cultures in yoghurt make it easier to digest lactose, which allows you to consume a rich source of protein without experiencing severe symptoms. A few spoons of plain Greek yoghurt can significantly improve your gut health.

4. Incorporate calcium and vitamin-D rich foods:
Being lactose-intolerant can cause significant calcium and vitamin D deficiency in your body. Your body needs a good amount of vitamin D to absorb calcium. You must ensure your diet has a well-rounded supply of these nutrients.
Include fish, almonds, green leafy vegetables, oranges, and tofu in your regular diet to ensure a stable intake of the calcium it needs. Eating eggs and salmon can back you up with enough vitamin D as well.

5. Try lactase supplements:
Several lactose-intolerant people take lactase supplements before consuming any dairy products. Lactase supplements can ensure you eat and drink lactose-rich dairy without suffering from any discomfort later. These supplements essentially help break down the complex lactose present in dairy while controlling the uncomfortable symptoms.

These few diet tips can help you enjoy a variety of foods without experiencing the discomfort of your condition. Even as there is no specific cure for lactose intolerance, controlling and managing it can go a long way in ensuring a comfortable and healthy life. Besides this, also remember to invest in comprehensive health insurance to safeguard your health against other ailments and concerns.

Click HERE to purchase the best health 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.

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What's making your car insurance premium costlier

Most of us have invested financially and emotionally in our automobiles, making them more than just a convenience. While cars are undoubtedly a long-term asset, the associated expenses can often amount to a large sum that many may hesitate to bear.

Apart from the regular fuel and maintenance, another necessary cost is your car insurance. Despite being mandated, many find loopholes to escape the law due to the rising cost of premiums annually. Instead of evading the process, find out why your car insurance premium is rising and whether you can manage it.

1. Vehicle inspection:
Your insurer may inspect the vehicle if there is a considerable lag between the policy expiry date and the intended policy renewal date, which may result in a higher insurance premium. You can prevent such costs by renewing your insurance on time as per the due date.

2. Brand and model:
The price of the car relies on its model, due to which different models have different premiums. A vehicle with a lower Insured Declared Value (IDV) will have a lower premium than one with a high IDV.

3. Advantage of NCB:
No-claim bonus is the primary element of a car insurance policy that lowers the premium and promotes careful driving. It rewards car owners for not filing a claim with a discount of up to 20% while renewing the policy. By applying the claims, you risk losing this advantage and could pay a more significant premium than necessary.

4. Driving habits:
Defaulting on laws, failing to use a seatbelt, etc., could get you into difficulty with law enforcement and your insurance company. If any traffic violation is made in your name, your premium will likely go up.

5. Purchasing insurance from the dealer in a hurry:
Explore various car insurance options and evaluate the offering, premium, and coverage to find the best option. A hastily purchased car insurance is a bigger expense than an asset. Additionally, dealers have a restricted area of competence, offer fewer options, and seek direct profits from the sale, so they may offer a policy that is more expensive than you need.

6. Claim history:
You may be a risky policyholder if you have a history of making frequent claims. Your profile might be deemed dangerous if your claim is denied due to factors like illegal vehicle use or involvement in filing fake insurance claims. As a result, you may be charged a more significant premium since the higher the risk, the higher the premium.

7. Vehicle and driver age:
The older the car and the younger the driver, the higher the premium. An older vehicle is more prone to wear and tear, and a novice or inexperienced driver needs to gain the knowledge of an experienced driver. You can lower your rate by choosing a zero Depreciation cover for your insurance plan.

8. Lack of awareness of deductible's effects:
An expense that the owner of the car bears when filing a claim is deductible or voluntary deduction. Making a proper deductible decision is crucial. If you are a seasoned driver who doesn't need to file claims frequently, you can select a greater deductible to lower your cost. However, if you leave it at zero, you will receive your entire claim payment but will have to pay a higher premium.

9. Locality analysis:
The insurer may raise the cost of insuring cars from a particular location if data indicates, for instance, that there has been a significant surge in flooding or car theft in your area.

A closer inspection is all it takes to identify why your car insurance premium increased, even if it may appear unclear initially. Some factors are uncontrollable, while others can be managed by a potential policyholder who has done his research. We encourage readers to check and compare car insurance prices online before purchasing a policy to avail themselves of the best offer.

Click HERE to buy reliable 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.

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The effective tips to deal with motorbike wrist injury

Wrist damage is one of the most frequent types of injuries among motorcyclists. While some may be caused due to collisions, some are caused due to general riding activities such as using the throttle for a prolonged time or during long bike rides.

However, not all wrist injuries require similar treatment. Some may need substantial surgery and numerous treatments to correct the problem, while others recover independently with little to no therapy. If not given appropriate care immediately after a collision, even relatively minor injuries can cause lifelong disabilities and an adversely impacted lifestyle. If you have recently suffered a wrist injury, keep these tips in mind to help you recover faster!

Also, it would be wise to invest in the personal accident and bike insurance online to cover allied costs of damages done to you and your bike due to an accident.

Why you should seriously consider aftercare for your healing wrist:
Wrists are an integral part of our daily movements. While an injury is enough of a setback, neglecting aftercare worsens the situation. Repeated strain due to bending and bearing weight on them can cause further inflammation and have severe consequences like tendonitis or carpal tunnel syndrome.

However, using the following tips regularly can aid in improving flexibility and easing the pain.

1. Stretching:
Place your palm perpendicular to the forearm by bending the wrist or using the help of a wall to maintain the position. Push back your fingers and hold for 15–30 seconds. Do the same by folding the wrist downwards such that the back of the hand is against the wall and holding for 30 seconds.

2. Extended wrist:
Targeting the wrist, hold a weighted object in your palm. A small bottle or jar serves as the best prop for this stretch. With your fingers cupped around the thing, twist your wrist upwards and backward at a total angle of up to 160 degrees. Start slow, as your movement is bound to be restricted and strained. As you get comfortable, increase the weight and range of motion.

3. Bent finger stretches:
Much like the first stretch, this starts by holding out your fingers splayed out. Bend them at the joints for five seconds. Start with two sets of five repetitions slowly to ease the strain on the nerves.

4. Rotations:
While it may seem impossible immediately post-injury, ease your way into doing this stretch. You may do this with additional weight. Rotate your wrist by focusing on your hand until discomfort sets in.

5. Increasing grip power:
Hold and squeeze a grip gadget or a rubber ball for 5-10 seconds each time. It is a comprehensive movement that helps improve overall flexibility.

Depending on your doctor's advice, avoid riding if your wrist is severely impacted. However, if your doctor approves your riding plans, here are some extra tips that may reduce the strain on your wrist.

1. Practise good posture:
Poor positioning when riding a bike can cause wrist pain. Your nerves and joints may become stressed if your wrists are constantly locked. Make sure your elbows are slightly bent to ease some of this pressure if you need to lean forward while riding your bike.

2. Use attachments on your handlebar:
Add cushioned or gel grips to absorb movement and eliminate handlebar vibrations. Weighted bar ends can help reduce hand fatigue by stabilising vibrations and movement. Also, ensure that you grip the bar with reasonable force.

3. Lock your throttle input:
For simple cruise control, install a throttle lock. It helps maintain speed without adjusting the throttle, reducing the strain on the wrist.

Injuries are an inevitable risk in life. While you cannot avoid them, you can prevent them by exercising caution. Similarly, the mandatory purchase of bike insurance online prudently covers the motorcyclist from shouldering the financial burden of theft and damages to a bike.

Click HERE to buy 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.

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Here are a few home remedies to deal with sprains

Sprains are one of the most common injuries people encounter by suddenly hurting their wrist, ankle or body while performing daily tasks. It is mainly caused due to stretch or tear of ligaments, and it takes up to two weeks to completely heal from the internal wound and pain. There are various ways to heal your injuries faster and soothe the sprain, some of which we will be discussing in this article.

However, it is crucial to note that while most of these remedies are home remedies, it is best to consult a doctor who can help you choose the proper medication and treatment if the situation worsens. Since the injuries that cause sprains can also cause a fracture, the doctor might suggest you take some tests.

Choosing the best personal accident policy in India is a step that you must take to ensure the best treatment for yourself. Your insurer will cover your medical expenses and hospital bills under this insurance.

Now let us look at some ways in which you can ensure faster recovery of sprains.

1. RICE technique:
Sprains heal the fastest when treated to the RICE technique. Let’s understand what RICE means.

R – REST – Resting the affected area is crucial for faster healing.
I – ICE – Ice pack reduces the blood flow to the affected area and helps in reducing pain or swelling. Apply an ice pack for 20 minutes. Give it a break for 5 minutes and put it back on.
C – COMPRESSION – This helps stabilise the injured area and helps subside the swelling. Wrap a bandage snugly around the wound. Avoid tightly bandaging the area as it might obstruct the blood flow.
E – ELEVATION – Elevation prevents fluid accumulation in the joint. Try to elevate the affected area using a pillow while resting.

2. Heat therapy:
While it is advised to use ice bags immediately after the injury, once the swelling subsides, a hot water bag periodically on the affected area can help soothe the pain and aid in the faster healing of the injury. The heat increases blood flow and relaxes any strained muscles. Another good idea would be to alternate between heating pads and cooling packs.

3. Salt baths:
After a few days of the injury, introduce the affected area to a salt bath. Salt baths are known for their soothing properties. It helps in soothing sore muscles and reduces stiffness significantly, making the affected area mobile and functioning effectively.

4. Protect the injured area:
As you start the healing process, it is crucial not to put much weight or pressure on the affected area. Exerting the area can lead to further tears in the ligament or fracture. In the case of ankle sprains, it is best to avoid any sporting activity or heavy exercise for about two weeks.
You may use crepe bandages to provide external support to your ankles. Remember not to pack them tightly as it will prevent circulation. Similarly, in the case of wrist sprains, avoid lifting weights and use a crepe bandage, as mentioned above.

These are a few ways to give your sprain the care and time it requires to heal. Most of these steps are the aftercare suggested by doctors. However, you must go for a follow-up checkup. This way, you can rest assured that your injury is completely healed, and you can carry on with your daily activities.

In most cases, insurance companies help you go cashless during the treatment. Nevertheless, remember to keep the bills and reports handy for your insurer to verify details. Always go for the best personal accident policy in India for hassle-free insurance claims.

Click HERE for 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.

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What is constructive total loss in two-wheeler insurance

Whether you own a two-wheeler or a car, you should always ensure that you know everything about its maintenance and insurance. Getting insurance for your vehicle is of utmost importance. It protects your vehicle from severe damages by giving you compensation and solves third-party disputes.

However, just getting insurance for your vehicle is not enough. You also need to check out the various additional services offered by the insurance. This way, you can choose the most comprehensive insurance for your 2 wheeler. You must also inquire about all the essential terms relevant to your insurance. One such term is a constructive total loss. Although the term sounds complicated, it is not.

This article will help you to understand various aspects of a constructive total loss.

What is a constructive total loss?

You will likely file a claim for your 2 wheeler insurance only when your vehicle has suffered severe damages. Once you have filed a claim, the insurance company will inspect all the damages and reimburse the amount accordingly. Either you will get cashless compensation or money for the repairs. The damage is assessed well, and only compensation for the damages is provided.

If the vehicle is in dire need of minor repairs or servicing, the insurance company will reimburse that. It can also refund the amount for the replacement of bike parts. However, reimbursement only occurs after all the deductibles are assessed carefully. No matter the damage's severity, you will only get compensation up to the Insured Declared Value or IDV. You will not get any claim money that exceeds the IDV value.

There is also a major catch here. For instance, your two-wheeler undergoes irreversible damage. In such a case, the bike will be beyond repair. The insurance company can then declare it as a total loss. In other words, if the repair cost for the vehicle far exceeds its value, it results in total loss.

It is said that when the repair cost is more than 75% of the IDV, it is impossible to reimburse it. The constructive total loss takes place here.

Let's assume that your two-wheeler gets stolen. Then what will happen? In such a case, your insurance company will reimburse you for the IDV of your vehicle. The claim for theft of your bike will be treated as a total loss claim. The reimbursement amount will be sans the deductibles and depreciation.

How do you apply for a constructive total loss claim?

Now that you are familiar with constructive total loss let's look at the various steps to file a claim. They are:

● Go to the official website of your insurance company

● Look for the claims process tab or page

● You will see blanks to fill in your information

● Provide all the necessary information carefully

● After that is done, verify the self-inspection of your bike through the link sent to your mobile number

● A surveyor or inspector may be sent to get your vehicle inspected. Cooperate with them

● Once everything is done, you can submit all the required documents and forms

These easy steps can get you a total claim from the comfort of your home. You need to keep all these things in mind before you file a claim for your 2 wheeler insurance under constructive total loss. Once you give the correct information and abide by the guidelines, you can access the claim amount.

Click HERE to buy 2 wheeler insurance to protect your motorcycle from unexpected damages.

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.

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Let's discuss naturopathy and its effectiveness for a healthy life

While the allopathic world is trying its best, home remedies have also proven very effective, especially in our Indian culture. Naturopathy is the alternative medicinal route to building antibodies, curing health issues, and catalysing the body's healing capabilities and defence mechanisms.

But, how well do you know about naturopathy? Are you aware of the positive effects naturopathy has on the human body? What precautions must you take while going down this route of alternative remedies? Don't worry. This blog has all the answers to your queries and more! Let's discuss naturopathy and its effectiveness for a healthy life.

What is naturopathy?
Naturopathy is a healthcare practise that brings science and nature under one umbrella. It relies on fundamental principles and natural remedies like sunlight, water, exercise, diet, and stress management. Naturopathy enhances the body's ability to regain excellent health without using allopathic or over-the-counter medicines.

What are the pillars of naturopathy?
The five crucial elements of naturopathy include - air, water, fire, earth, and ether. Naturopathy practitioners ensure that they direct your body and mind toward holistic development through hydrotherapy, sunray therapy, mud therapy, air therapy, and vacuum therapy. Naturopathic physicians are state-licenced medical professionals recognised as primary care providers (PCPs).

Following are a few ways in which naturopathy helps heal our bodies.

• The healing power of nature:
The study of naturopathy believes that the human body has a self-healing ability. Naturopathy helps enhance the body's capability to fight and ward off any issues by following a healthy diet, nutrition, regular exercise, and herbal medicines.

• Treat in entirety:
Naturopathy practitioners approach the human body entirely. They believe that human's overall health is composed of more than just physical health. While developing their treatments, naturopaths consider all these factors and establish the medications on a holistic level. While western medicine focuses on suppressing or treating the symptom, naturopathy focuses on restoring the body's health and curing the illness from its core.

• Complete focus on zero harm:
Naturopathy always prioritises treatment methodologies that cause no damage to the body and are non-invasive. While physicians believe in "doing whatever it takes," naturopathy has shown a reluctance to use drugs and methods that can put the human body under external distress. It uses only natural remedies and elements like air, water, earth, and herbs to perform the treatment.

• Identifying the cause:
Symptoms are not only the focus area in naturopathy. Naturopathy practitioners prioritise identifying and removing the cause, not just eliminating the symptoms. The reason helps them diagnose the underlying problem, which allows them to curate their medications and suggest treatment methods.

• Prevention is always the first step:
Naturopathy focuses on developing the body's strength and immunity to keep all diseases at bay. Naturopaths prioritise assessing the risks and provide suggestions through healthy eating habits, a sound sleep cycle, and practising meditation.

Yes, it is effective.
Naturopaths work in close connection with their counterparts to exchange ideas, research, and treatments for the betterment of their patients. Naturopathy can also be related to alternatives like ayurveda, homoeopathy, acupuncture, etc.

Naturopathy is covered under insurance.
Yes, naturopathy is insured by health insurance under AYUSH treatments. All the medical expenses involved in the naturopathy treatment, including access to AYUSH hospitals or day-care centres and in-patient hospitalisation costs, are covered. Also, you may save a considerable amount on your sum insured as the cost of AYUSH treatments is lower than that of allopathy.

These were a few benefits of naturopathy for a healthy life. Since we talked about health and its significance in our daily lives, you must ensure that you stay on top of your health insurance game for yourself and your loved ones. Did you check when you are due for your health insurance policy renewal? If not, hurry! You must ensure that your health insurance stays intact and updated to live your life without worrying about unforeseeable situations.

Click HERE to learn more about health insurance policy 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.

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Let's understand the importance of airbags in car and passenger safety

Safety technology is one of the most critical aspects to consider when purchasing a vehicle. For first-time buyers who want to know the importance of a vehicle's safety technology, it is a collection of intelligent technologies and devices built in the car to prevent collisions and ensure the safety of the passengers and the vehicle. Airbags are a common type of protective device present in all cars today.

Maintaining and abiding by all safety measures is essential to keep others and yourself safe. However, investing in trustworthy online car insurance can add an additional layer of protection to your vehicle.

With the car companies upgrading to the latest safety technologies, we must also understand their importance, especially airbags.

What are airbags?
Airbags are a type of supplemental restraint device (SRDs) whose main aim is to protect the individuals in the front seat from any injuries in case of a collision. When the car crashes, an electronic mechanism is triggered, and these airbags inflate with gas quickly. They are designed to instantly cushion and protect the driver upon impact and deflate soon after deployment. When airbags were introduced in 1951, most cars had this flexible fabric bag installed only to protect the driver. Today, most car models have it inbuilt for both the front occupants, the driver and the passenger. In 2021, the Central Government of India made passenger airbags mandatory for all vehicles to improve safety norms in the country.
Some car models only have airbags installed for the driver and the front-seat passenger. However, there are a few advanced models that have them installed in a way to protect the passengers in the back seat. While it is only mandatory to have airbags for the front passengers, cars that provide airbags for both back and front are the best to ensure maximum safety.

How effective are airbags?
Airbags are a crucial mechanism in your vehicle, and one cannot ignore their significance in improving the level of safety of your car.
An airbag comprises a thin nylon fabric bag, a set of inflators, and a sensor. It is designed to signal the inflators to blow up the nylon bags on detecting a collision. This mechanism goes a long way in avoiding severe facial, chest and head injuries.
While this device cannot stop or prevent a dangerous event like a road accident or car crash like other advanced safety technologies, it can protect the occupants from injuries and fatalities. The passengers are not only saved from the harsh impact of a collision but also avoid hitting any hard or sharp objects inside the car that can cause severe damage.
Several reports have confirmed that the rate of fatalities caused by dangerous accidents or collisions has significantly dropped, thanks to the safety devices including airbags. They can be most effective when the passengers are buckled-up and sit firmly in their seats.

To sum it up, drivers and passengers must always follow specific safety measures like wearing a seat belt, driving at a steady pace, adjusting the rearview and side mirrors for a clear vision, and not being distracted while driving. In addition to it, having a secure online car insurance can further cover the damages caused due to road accidents. So, before you purchase a new car, consider all safety technologies including the airbags for crucial cushioning for people during a crash.

Find the best car insurance India for your vehicle HERE .

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.

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Learn how you can deep clean your car's trunk

As the owner and user of your vehicle, you need to understand the importance of cleaning your car regularly to save money and ensure that your vehicle is safe and hygienic for other passengers.

The vehicle's trunk can become the dirtiest place due to the stuff we put there. It could be the dust from the roller bags and carry-ons, stains from the fruits and vegetables, baby items, liquids, and more. So, it is essential to deep clean the trunk of your car to keep the atmosphere in the vehicle healthy and avoid any smells, decaying, and dust that could be harmful to the health of the people sitting inside.

This blog will teach you how to deep clean your car’s trunk. Without any further delay, let us get started!

1. Identify the suitable materials:
For deep cleaning, you need to identify the suitable materials you must use to ensure that it does not cause any adverse effects like bad odour, staining the carpet or the rag in the trunk, damaging the surface inside the trunk, etc. Removing the stains and cleaning the trunk is essential, but the right kinds of detergents, liquids, and cleaning cloth helps you make the process easier and show effective results.

2. Remove the lint:
You often store your furry coats, jackets, sweaters, trench coats, etc., in the trunk. Such clothes generally leave particular woollen shreds called lint on the surface of the trunk, which should be removed properly. If not, they tend to stick to interiors and lose their colour when they come in contact with chemicals in cleaning liquids, soaps, or detergents causing irremovable stains.

3. Vacuuming efficiently:
Deep cleaning involves cleaning the surfaces, the trunk, and the carpet-rolled interiors. However, do not stop just at the cleaning but also vacuum the trunk to get rid of those tiny pieces of paper, leaves from the vegetable stems, or fruit peels. Clean everything that is not easily visible to the naked eye while cleaning. The trunk of your car can be a complex surface to maintain if you do not deep clean regularly and follow the complete routine and methods.

4. Cleaning the carpet:
While the surfaces are supposed to be clean, do not just leave the carpet and vacuum it regularly. Occasionally, remove the carpet from the trunk and wash it well by shampooing and conditioning it. You need to dry it completely before putting it back in the trunk. Even a slightly wet carpet can cause damage by giving rise to bacteria, thus making it unhealthy and unhygienic for you and the people in your car.

Adding to this list, remember to clean the lid of your trunk. A dirty top of the trunk of your car might make your entire effort of deep cleaning your car’s trunk go to waste due to the dirt and dust sitting on it.

We hope you found this blog valuable and effective in maintaining cleanliness and pleasing odour inside your car. Moreover, it is always a good idea to get car insurance and protect your vehicle from any damages which might be caused during unfortunate circumstances. Explore your options and purchase the best car insurance India that optimally caters to your needs.

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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.