GENERAL INSURANCE BLOG

As a motorcycle rider, you already know that wearing protective gear is essential while riding. One of the most critical pieces of equipment is motorcycle boots. They are designed to keep your feet and ankles safe in an accident. Are you a bike-riding fanatic and looking for the right boots? We'll review six pointers to help you purchase motorcycle boots to keep your feet safe.

1. Consider boots with additional safety features
When looking for motorcycle boots, it's essential to consider additional safety features that can help protect your feet in an accident. Some shoes come with reinforced ankle and shin protection, which can help prevent injuries in these vulnerable areas. Other boots may have toe sliders or reinforced caps, which can help protect your toes in a crash. These additional safety features can provide extra protection when riding your motorcycle.

2. Choose weather-resistant boots
Riding a motorcycle means encountering different weather conditions, from rain and mud to hot and sunny days. It's vital to choose weather-resistant boots that can withstand various weather conditions. Look for boots made of waterproof materials, such as Gore-Tex or other waterproof membranes, which can help keep your feet dry and comfortable during rainy rides. Additionally, boots with breathable materials can help keep your feet cool and dry on hot days.

3. Consider the cost and factor in bike insurance savings
Motorcycle boots can range in price from affordable to expensive, depending on the brand and features. While going for the cheapest option may be tempting, investing in a good pair of motorcycle boots can save you money in the long run.

4. Look for boots with sturdy construction
Look for boots made of durable materials, such as leather, or synthetic materials like Gore-Tex. The boots should have a sturdy sole and a solid toe box to protect your toes in case of an impact. The boots should also have ankle protection to prevent injuries in a crash.

5. Make sure the boots fit correctly
It's essential to get boots that fit correctly. Boots that are too tight can restrict circulation, leading to discomfort or even foot numbness, while boots that are too loose can be hazardous since they can slip off your feet while riding. Make sure the boots fit snugly and come with adjustable straps or laces to help achieve a good fit. It's also important to try on the boots while wearing the socks you usually wear while riding.

6. Choose boots with a good grip
Another crucial factor to consider is the sole of the boots. Look for boots with a good grip that can provide traction when walking or riding. The sole should be thick and sturdy to prevent slipping, especially on wet or slippery surfaces. A good grip can also help you maintain control of your bike while stopping or turning.

Investing in a good pair of boots is also essential to factor in the cost and potential savings on bike insurance premiums. Choosing the proper motorcycle boots and wearing them during your ride help prevent injuries and ensure a safer and more enjoyable journey. During unprecedented circumstances, such as an accident, a sturdy pair of boots can avoid or minimise injuries to your feet, saving you from expensive medical bills. It's a win-win situation, as you will protect yourself and potentially save money on bike insurance premiums by enjoying a no-claim bonus.

Click HERE to learn more about purchasing bike insurance and its benefits.

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.

Since fire can destroy things quickly and significantly, you should pay close attention to the aspects that may cause an accident within a short period. Irrespective of our nature of work, we all should learn as much as possible about fire hazards. This factor will make it convenient for you to stay safe and always protected from fire hazards.

There are several common fire hazards around you, and they should be managed appropriately to ensure complete safety. Let us now take a detailed look at common fire hazards and their probable causes.

1. Faulty electrical systems:
Two main things that cause fires are faulty electrical systems and equipment. Since every place has electronics and electrical outlets, you should always check them regularly to ensure they are working appropriately.
Loose cables, damaged plugs, open switches, old electrical goods, etc., are some of the factors that may result in a fire and spread rapidly. You should pay close attention to them to determine whether they require alterations. Fire insurance plans can also help you in this endeavour.

2. Flammable liquids and gases:
Flammable liquids and gases are two other elements that may lead to severe fire accidents. Petrol, diesel, kerosene, etc., are some flammable liquids you should be aware of. On the other hand, hydrogen, propane, ammonia, silane, and other gases can also be hazardous.
You will find the presence of these gases and liquids in restaurants, kitchens, garages, etc. Hence, you must be as careful as possible when handling them for multiple purposes. You may also learn about different safety measures and guidelines to follow if you encounter a hazardous situation.

3. Smoking:
Another aspect that can lead to severe fires is smoking, as it can often cause accidents within a short period. If you smoke at a place where flammable gases are used, the fire from your cigarette can lead to an explosion by coming in contact with the gases in the air.
Hence, you should never smoke within the premises of a factory that uses flammable substances. Different places and premises have dedicated smoking zones nowadays to make things safer for you.

4. Poor storage of combustible waste:
It is common for people to store flammable waste unattended in different areas. When you keep combustible items inappropriately, they often encounter heat or fire and cause severe accidents. Always discard each combustible waste accordingly to stay safe from fire accidents.

5. Unsafe cooking:
Unsafe cooking is also a significant factor to consider. Since we cook using gas, flammable fluids, or electricity, you should be careful and ensure you are doing everything correctly. While cooking, be attentive to the precautions you need to take to prevent mishaps. For example, you should never keep the oven on when not in use. Turn off the appliances once you use them.

Although fires can be dangerous and destructive, you can reduce their chances by a wide margin. Remember these fire hazards carefully and take your first step towards fire safety. Investing in premium quality fire safety equipment like fire alarms, smoke detectors, extinguishers, water sprinklers, etc., at your home or workplace is advisable. Having an appropriate defence mechanism against sudden outbreaks is crucial. Also, look for reliable fire insurance plans and choose the one that perfectly fits your requirement.

Click HERE to browse through reliable fire insurance plans.

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.

Insurance is good financial security and comes to our rescue in an emergency. Also, these policies help us to save on taxes. The premium we pay on our insurance is deductible from our taxable income up to a specified limit. We can save on taxes for policies taken for ourselves, our spouses, and dependent children.

Buying health insurance plans in India at the beginning of a financial year is crucial to saving on taxes. Let us know why.

1. Sufficient time for planning
Paying premiums on the life insurance and health insurance policy not only gives insurance coverage to a taxpayer but also offers certain tax benefits. You can claim a maximum deduction of INR 1,50,000/- annually against the premium you pay for your insurance policy under Section 80 (C) of the Income Tax Act, 1961. Health insurance policies allow for a tax benefit of INR 50000/- for senior citizens and INR 25000/- for others under Section 80(D) of the Income Tax Act.

Most people leave the important decision of buying an insurance policy to save on taxes for the last one or two months of the financial year. This forces you to make the purchase decision in haste without adequately understanding the terms and conditions of the policies.

Buying an insurance policy at the beginning of a financial year gives you sufficient time to plan properly on saving taxes by choosing the insurance policies most suited for you. After assessing your needs properly, you can buy the best-suited policy as you get sufficient time to plan and buy various insurance policies around the year.

2. Spare money for investment
Most of us receive our year-end bonuses in April or May every year. This will give you surplus funds to easily invest in various insurance policies without putting pressure on your finances. This will help to secure your future as well as save on taxes too. You may or may not have excess funds for investing in insurance policies at the end of the year and end up paying more taxes.

3. Informed decision making
The maximum workload with most insurance companies and their agents is in the last quarter of the year, i.e., from January to March. They do not have sufficient time to explain various insurance policies and their details to you. The agents try to sell you the most popular products without understanding your needs.

The beginning of a financial year is the best time to buy an insurance policy, as the workload with the insurance agents is minimal. They can give you sufficient time and explain the policies' nitty-gritty. Hence, you can make an informed decision and choose the best insurance product suitable for you.

Life is full of uncertainties, and insurance provides us the security to deal with them. It offers financial support in unfortunate events such as hospitalisation and even death as compensation to your dependents. Hence, choosing the best policy that is tailor-made for you and fulfills all your requirements is important. This can only be done when you buy insurance at the beginning of a financial year and save on taxes. But understand that opting for insurance policies to save on taxes should not be your only goal.

You should make health insurance policies a necessary part of your life and investment journey. Thoroughly research the different health insurance plans in India. Choose the best among them that provides you with a perfect match of security and affordability.

Click HERE to browse the best health insurance plans 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.

You must have heard about several heart-breaking incidents that have destroyed human life and properties to the point of no repair. We surround ourselves with many things that can be considered to add fuel to the fire in case there is one. Although one never hopes to be in such a situation, have you ever considered the possibility of what if you are in a potentially dangerous circumstance caused due to fire? Is the fire brigade taking time to reach? What steps should you take initially? Here are some tips to get a grip on the situation. Let’s begin!

Also, consider purchasing fire insurance to safeguard your home from damages due to a fire outbreak.

1. Find an escape:
If you see a potential fire about to spread, your first instinct should be to exit that area without thinking about anything else. Just take your family and get out of that particular zone. Once you are out, try to breathe and calm down a little. Dial the emergency contacts and fire brigade’s number for help. Avoid stressing out about contacting someone while staying inside the property. Doing so might not give you a window to get out and can have severe consequences.

2. Always have a fire ladder:
You must ensure that you always have a fire ladder in a place that is easily accessible to anyone in the house. The fire ladders can be made of metal or some rope ladder that will help you get out of the window. They are readily available online or in stores selling home repair items. Educate every member of your family about using fire ladders by proper demonstration.

3. Never attempt to go back inside a burning property (house, office space, etc.):
Once you are out of the place which has caught fire, never attempt to re-enter the premises, no matter how important your reason might be. The fire always tends to blow out of proportion, and getting out again might be impossible with or without professional intervention. There are several items in our day-to-day life which can catch fire quickly. They serve as an aid for the fire to scale beyond our imagination and cause severe damage to humans in the nearby area. So, always ensure that you vacate the property on fire and go to a safe spot.

4. Use the fire extinguisher without fail:
Researchers and experts might debate the minimum age of children who should learn to operate fire extinguishers. Still, teenagers must know about the importance and the process of using it. You should have a multipurpose fire extinguisher to help you control any liquid or electrical fire. Handling these multipurpose fire extinguishers is comparatively easy as they are small in size and can delay the fire before the arrival of the fire brigade to ensure complete safety.

5. Follow the exit strategy:
One must always have an exit strategy to escape the property if a fire breaks out. The fire exit plan must be created according to the details and features of the house and the estimated time window one gets before the fire breaks. Always ensure to familiarise the family members and guests with this exit strategy and make them follow it strictly.

Other tips to get a grip on the situation are installing smoke detectors and fire alarms, especially outside the room doors, kitchen, fireplace and hallways, so you can get the signal in advance if there is a potential fire hazard. This would allow you to retain the fire before it gets out of control. Avoid sleeping with space heaters on all the time and close to items which can catch fire quickly.

Such situations have the potential to wreak havoc on your home or prised properties and possessions, causing severe consequences and threatening human life. You need the best fire insurance to safeguard your home and owned spaces and items. This can help you protect yourself and your family against the monetary stress of such unprecedented situations. Explore the market and get fire insurance that can provide the best coverage for your home and belongings.

Click HERE to learn more about purchasing fire 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.