GENERAL INSURANCE BLOG

Riding a motorcycle provides the exciting feeling of being out in the open air and experiencing the beauty of the landscape. While riding alone is sometimes the goal, hanging out with family is one of the most enjoyable motorcycle experiences.

There's no doubt that motorbike road trips can be fun. However, road travel is more than just filling up the tank and driving to your destination. There's a considerable difference between riding a motorcycle down a local street on a Sunday afternoon and travelling hundreds of kilometres across a state.

A bike trip with the whole family is a great way to have fun and gather unforgettable memories. However, the happiest adventures typically begin with meticulous planning, so remember these four tips before your next family ride. Also, make sure you have a valid two-wheeler insurance policy before going on a trip. Now that insurance firms have gone digital, you may quickly purchase bike insurance online and protect yourself from unexpected costs.

1. Pre-ride meeting:

The group can plan the itinerary and route to the destination or any halting spot along the road. The primary goal is to travel safely. Therefore, determining who would lead the group is crucial to the family's safety. The leader should be aware of the group's path and identify any unique communication signals required to keep safe and connected.

2. Hand signals:

Hand signals to aid in group organisation and coordination while on the road. Knowing how to use hand signals is essential for people in charge of the group, as these signals alert the rest of the group to upcoming circumstances. As a result, ensure your partner knows how to signal a fuel stop or a road danger and how to slow down, accelerate up, or overtake other vehicles.

3. Staggered formation:

When riding in a group, ensure adequate room between two riders within their lane. Maintaining tight formation allows you and other riders a clear view. So, stagger yourself within a lane and avoid side-by-side formations.

4. Know the group:

Each member of the family will have a different level of riding experience. The goal is to keep each rider comfortable and safe; thus, keeping the least experienced members in the middle of the group is essential. This stance will provide them with a visual guide from riders in front of them, indicating upcoming items to be aware of, like traffic.
The riders in the lead and tail should have the most experience because they can best adjust to traffic and shield the others from traffic and road debris. Your most inexperienced bikers should also figure out when and where to rest.

A family trip on a bike is all about cooperation and communication, so follow the rules, and everyone will have a good time. As you prepare for the next family ride, keep these practical suggestions in mind to keep you and your company safe. Another valuable tip for motorcycle riders is regularly reviewing their bike insurance policy. If you require a review, get in touch with an insurance agent or visit the company's website for a quote as soon as possible.

Click HERE to find out more about bike 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.

Seller credibility is a crucial factor that affects buying decisions. This is especially noticed in high-value assets and financial products. Since these are transactions involving large numbers and significant interest, it is a must to check the insurer's reliability, which becomes a greater priority in the case of insurance products.

Insurance is a critical product; therefore, before purchasing such policies, checking the insurer's past performance and customer satisfaction is essential to ensure that you choose the best policy.

*For your understanding, we’ll be talking in reference to purchasing a health insurance policy.

The insurer's persistency ratio measures customer satisfaction, making it an important factor when comparing policies offered by various online health insurance companies.

What is the persistency ratio?

The persistency ratio depicts brand loyalty and the continued interest of policyholders in availing of the insurer's services. It is the number of policies renewed compared to the policies issued by the insurer. This ratio may be calculated for a financial year or a continuous period.

Calculation of the persistency ratio.
This is a relatively easy ratio to derive through two methods. It is determined using the annual premiums paid or the number of renewed policies. For newly issued policies, it is calculated in the thirteenth month, after one year for which the insurance plan is valid.

What does the persistency ratio indicate?

A high persistency ratio indicates a favourable position for an insurance company. Apart from showing the number of renewed policies, it offers multiple takeaways, including

1. Customer satisfaction:
The clearest inference from the ratio is the rate of client satisfaction. It indicates the emphasis health insurance companies place on valuing their customer's needs and assessing circumstances when claims are raised. It is an effective way to measure the insurer's performance and ability to facilitate a seamless insurance experience from the enquiry stage up to after-sales services. With the broad range of insurance providers available, customers can choose amongst them based on each insurer's transparency, overall quality of services, and customer gratification.

2. Solvency position:
A business's perpetual functioning depends on its ability to generate and expand revenue streams. The primary revenue stream for online health insurance companies is through the sale of insurance policies. Insurance companies need lower liabilities and higher revenues to maintain a prudent solvency position as regulated by the IRDAI. The higher the persistency ratio, the better the cash inflow and the more favourable the solvency position.

3. Claim settlement position:
If policyholders feel content with the insurer's services, they are more likely to become loyal customers who renew their policies annually. This becomes more likely when the insurer has a high claim settlement rate, which indicates that the company makes the claim settlement process more accessible and resolves claims sooner. Claim settlement rate, persistency rate, and renewals are interlinked, resulting in reduced risk for the insurer and more significant funds at their disposal to settle claims.

Why insurers may have a low persistency ratio?

Like all other ratios that serve as a barometer of online health insurance companies' performance, potential consumers need to understand the possible causes behind the result, irrespective of a favourable or unfavourable ratio. This becomes especially important in case of a negative ratio, which may be caused by the following:

1. Poor after-sales and administration services offered by the insurer.

2. A low claim settlement ratio deters potential buyers from purchasing a policy since the possibility of getting compensated is low.

3. Lack of innovation puts the insurer's products at a disadvantage against other evolved products aligned with consumer demands.

The persistency ratio of online health insurance companies is ultimately a reflection of their ability to retain customers. It is an essential parameter that potential buyers must consider before purchasing their health insurance to ensure that a reliable insurer protects them with a sound claim settlement system and customer satisfaction rate.

Click HERE to buy health insurance that suits your needs.

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.

A clutch is one of the most integral parts of your bike, and without a properly functioning clutch, your bike won’t be operational. This mechanical device is used to engage and disengage power from the engine to transmission for the change of gears. It facilitates energy flow to the rear wheels to change the gears.

Changing the gear without engaging the clutch while the vehicle is static can be dangerous and cause friction. Over time this can affect the gearbox and even break it under stress.

When talking about clutches, there are two kinds: the wet type and the dry type. This article will look at both of them and how they work.

What are dry-type clutches?

The main difference between wet and dry type clutches is the build and the lubrication. Dry-type clutches are not covered in oil. Without lubrication, dry-type clutches fail to stay cool and cause the dry clutches to be louder. Dry-type clutches also undergo wear and tear rather quickly compared to wet-type clutches. They are not easily found on regular bikes for the reasons mentioned above. However, racing bikes tend to use these clutches as fewer drag results in enhanced speeds.

Why did bike manufacturers start using the dry clutch? Since the clutch is connected to the gearbox, it was meant to be located inside the engine. But this would hinder the lubricants in the machine, which the manufacturers didn’t want. Hence, they put the clutch outside, making the entire assembly smooth and lightweight.

Dry clutches are easy to operate and can be repaired quickly. Since it is placed outside the engine, it does not degrade the engine oil and aids in the longevity of the oil. It also gives higher power to the rear wheel for high-performance bikes.

However, because of lack of lubrication, dry clutches heat up quickly and can be susceptible to cracks and other wear and tear. Dry clutches have less life than wet clutches and require frequent cleaning.

What are wet-type clutches?

Wet clutches have been the more popular choice when it comes to clutches in recent years. Since the wet clutches are placed inside the engine, it is covered in engine oil, thus allowing it to cool down quickly.
With a higher degree of lubrication, these clutches can endure mishandling and perform better. As it is located within the engine, so any noise inside the engine translates to nothing outside the main body. If your bike runs on wet-type clutches, you can rest assured that your bike will experience a smooth ride and long life.

Wet-type clutches typically face fewer maintenance issues since it is well lubricated. But if the need is, service is challenging and time-consuming as the engine, and the casing needs to be dismantled to reach the clutch.

This article gives you a good idea about the advantages and disadvantages of different clutch types. Remember that no matter the kind of clutch, it is essential for your bike to undergo regular maintenance and services. Proper operational habits and servicing are vital to extending your bike’s life. Do not forget to look for bike insurance online to protect it in case of accidents, repairs, or general maintenance.

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.

Your eyes provide the vision to see the world in its truest form and help you interpret and control every tiny movement in your body, whether it is a reflex or voluntary action. But in this era of fast-paced technological development, spending long hours with gadgets can significantly affect your eyesight.

Staying on the screens also comes with disadvantages; the major one is eyesight issues. This phenomenon can be easily seen in the younger generation. There are mainly two ways you can protect your eyes or rectify your vision problems- spectacles and contact lenses.

Are you someone who’s looking for some more information about the difference between using lenses and spectacles? This blog discusses the differences to help you make an informed decision. So, let’s get started.

How does using contact lenses or glasses help you?
They help with multiple vision problems like hypermetropia (farsightedness), myopia
(nearsightedness), distorted vision issues or astigmatism, age-related vision disorders
(presbyopia), and protection against blue rays emitted from screens, and much more.

Now let’s discuss the differences between using lenses and spectacles:

1. Time duration:

Wearing contact lenses for extended periods without removing and cleaning them can put your eyes at a high risk of infections. But if you clean them regularly, contact lenses can be used for comparatively longer durations and help you see clearly without discomfort.
On the other hand, glasses stay on your nose but tend to cause less discomfort and difficulties while you put them on. They are easier to clean and maintain. Glasses run a very low risk of infections.

2. Customisation:

The lenses can be customised according to your priorities and needs, for example, protection against the sun and UV rays. Some lenses also provide UV ray protection, but they cannot be considered as a replacement for using sunglasses built for the said purposes.

3. Safety:

Glasses can help you in avoiding severe eye injuries. They act as a barrier between external objects and your eye, thus preventing any substances or particles from impairing your vision. Lenses are put in place inside the eye, so protection against injuries and vision loss is at a lower grade when compared to glasses.

4. Risks during activities:

If you have to wear glasses constantly, it can be difficult for you in heavy activities such as workouts. You might end up breaking your glasses or experience significant discomfort as the glasses would run the risk of falling or slipping on your nose. Using lenses in such cases is a lot more convenient and low maintenance. The sweat would cause uneasiness in the case of glasses compared to the ease and comfort that the lenses provide.

Apart from the factors discussed above, other deciding factors between lenses and spectacles could be the price, replacement, availability, prescriptions by your doctors, peripheral vision, etc. You need to check all these points before arriving at a final decision.

While we spoke about taking care of your eyes against various issues and injuries, let’s not forget to consider your and your loved ones’ overall health. Due to some unprecedented circumstances, things can worsen the situation. In such cases, health insurance provides significant relief from all the financial stress of the moment. You can explore all the insurance options offered by online health insurance companies and choose the one which caters to your needs in the best ways.

Click HERE to learn more about purchasing insurance 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.

Two-wheelers are extremely convenient modes of conveyance. Being easy to control and manoeuvre makes them a popular choice, resulting in the continued exponential growth of the Indian two-wheeler market.

While it is known that bikes are relatively unsafe compared to cars, an experienced rider doesn't face safety issues when following general driving rules. The additional cover provided by bike insurance enhances the safety quotient for riders and protects them from contingent financial losses resulting from accidents.

However, if you choose to borrow a bike, it becomes essential to run some quick checks to assess its condition before taking it for a ride. Whether you borrow it from a friend or rent one from a bike rental, here is a list of basic checks before riding a borrowed bike.

1. Inspect the tyres:
A bike's tyres are essential components that can cause or prevent an accident. Before you turn on the ignition system, ensure that the tyres are in good shape. Borrowed bikes have the possibility of having worn-out tyres, which you need to inspect thoroughly before you ride them. This is to ensure that no issues arise while you're on the road that may leave you stranded.
While a quick look can help identify any significant problems, such as deep treads or punctures, it is ideal to use your hand or kick the tyres to check the air pressure. The tyres' ideal PSI is listed on the body of the bike in case you need to fill up air in the tyres.

2. Don’t miss out on the brakes:
Well-functioning brakes are just as important as tyres to ensure the rider's safety. Depending on the type of two-wheeler, you may not have a foot brake to test. In the case of bikes, engage the foot brake and gauge the force required to engage the brake. Also, check the brake levers near the handlebars to test how much pressure is needed to apply the brakes. Even if you skip some of the other steps on this checklist, this is a non-negotiable inspection.

3. Did you check the side mirrors:
Every rider adjusts their side mirrors as per their convenience. While they may not seem important, they are essential for ensuring complete visibility of the rear traffic to make appropriate judgements on the road. If you have trouble setting them right, use this trick- adjust the mirrors such that the inward corners of the mirrors show your shoulder line on each side respectively. This way, you can have an optimal view of the vehicles behind your bike.

4. Indicators:
Poor indication habits while switching lanes and taking turns are leading causes of accidental grazing of vehicles, which sometimes escalate into massive accidents. This can be avoided by simply locating and checking the functioning of the turn signal controls, also called indicators and testing them before riding the borrowed bike.

5. Gear shifts:
What makes bikes difficult compared to scooters is the need to shift gears. If you have borrowed a manual transmission bike, check its gear shift mechanism to efficiently and effectively switch between gears while riding.

6. Valid driver's licence:
For bike insurance to cover any unfortunate accident while you ride a borrowed vehicle, you must hold a valid driver's licence and not drive under the influence of any substance.

*pro-tip
It is legally required to purchase bike insurance for every bike before it hits the road. While the policy can be purchased by either the owner or the short-term user, having valid bike insurance proof is essential. Check if the owner has already purchased a policy. If not, buy one for the short term in case of a rental to avoid legal troubles.

While your friend may have lent you a bike in good faith, it is necessary to check these aspects to ensure your safety. Additionally, inspect the bike's throttle, clutch, display, and the validity of bike insurance to avoid any mishaps and getting involved in unnecessary trouble due to poor maintenance of the borrowed bike.

Click HERE to buy a robust bike 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.

A kitchen is called the heart of a home for a reason. It is nothing less than a laboratory for enthusiastic food lovers. These kitchen stars love to experiment with new recipes, but they hunt for clues when it comes to kitchen remodelling.

The battle between traditional and modern kitchen equipment has been a close one. Modern technology has given us reliable, highly accurate equipment with timers that help save time. So, they are our first choice while buying utensils.

However, studies have shown that various metals used in modern kitchen utensils are detrimental to health. For example, stainless steel cookware has nickel and chromium leaching from it to cause long-term harm to an individual's health.

The revival of the traditional vs. modern kitchen equipment debate has started from the new wave of awareness about the carcinogenic properties of these everyday utensils. It has shifted the paradigm in favour of traditional equipment.

This blog strives to give you an insight into why traditional kitchen equipment is the healthier choice between the two.

1. Brass utensils:

While modern living has made us turn to the more convenient steel and glass, utensils made of old-school metals have been noted to contain many benefits. Experts have found that food stored in brass utensils preserves about 93% of nutrients.
Brass is still used abundantly in small towns and villages across the country. According to Ayurveda, it increases haemoglobin count, improves skin conditions, and pacifies pitta (aggression). Additionally, water stored in brass vessels increases strength and immunity.

2. Copper utensils:

The modern Teflon and non-stick cookware are easy to use and look great, but they may lead to health issues. The chemical that comes from the non-stick cookware is highly detrimental to your skin and may also cause liver tumours, breast cancer, infertility, and kidney disorders.
Copper is a great alternative. Research has now proved that food cooked in copper vessels is rich in collagens that offer various health advantages. Water stored in copper overnight gives the maximum benefits of this metal. It detoxifies the body, helps increase haemoglobin secretion, and helps the peristaltic movement of the gut.

3. Silverware:

Silver is an unconventional choice for cutlery these days when everyone has turned to ceramic. According to Ayurvedic science, silver is good for people with dizziness and excessive thirst. It calms down inflammation and helps people with low sperm count.
Continuing the teachings of Ayurveda, if you're a pitta type, you have a higher chance of having red, sensitive skin and are quick to anger. Using silverware will reduce your irritation and calm reactive skin.

4. Clay utensils:

These utensils help in maintaining healthy nutrients while cooking. Although it takes double the time to cook in clay pots and generally doesn't look as sophisticated as modern kitchen utensils, they preserve complete nutrition in food. An Ayurvedic study proved that eating in clay utensils relieves pain in those with rheumatoid arthritis.

Modern kitchen equipment gives a level of comfort and sophistication to our homes. The traditional utensils have a charm of their own. They may look old-fashioned compared to the modern but overshadow their health benefits. You cannot compromise with quality when it comes to health.

It's always good to keep your health as the topmost priority. It is rightly quoted that "health is the greatest wealth". If health is compromised, then it can drain your wealth. Don't fall victim to unexpected health expenses. Choose the best health insurance policy for family to remain stress-free.

Click HERE to know more about health insurance policy for family.

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.

Futuristic innovations are taking the world by storm, and the automobile industry is no exception. The most recent trend that has caught an upswing among car enthusiasts is self-driving or autonomous cars. While progress has been slow, it is still exciting to imagine a world where driving is hands-free.

While the concept is likely to do away the requirements of the drivers, what about the need to buy new car insurance? Will the revolutionary technology make insurance obsolete, or will auto-insurance companies alter their products as per the evolving market needs? Read on to learn all about the impact of driverless cars and their impact on the insurance industry.

What exactly is a driverless car?

It is an autonomous vehicle, meaning it can move from one location to another without help from a human driver. Self-driving vehicles, or driverless cars, manifest the machine-driven future we've envisioned. It is believed that they will make our lives easier and more productive.

But are they covered under your car insurance?

A top American consulting firm predicted that vehicle collisions would drop dramatically by the middle of this century. The insurance market is expected to be negatively impacted. Since claims related to autonomous cars are expected to decrease, insurance rates will go down. However, you will still need liability insurance because autonomous vehicles can also be driven by hand.

Apart from this, the insurance industry may also see a significant drop in business as the demand for theft protection coverage falls. Cars will be equipped with a 'kill-switch,' which prevents anyone but the owner from starting the engine, and a modern GPS tracking system may make it fully theft-proof. Car owners may feel safer without theft insurance, so the insurance premiums will also decrease as a result.

However, this is also another side of it!

Some experts think introducing self-driving cars will not affect the car insurance business much just because these cars have better safety features. These days, there is already a wide range of vehicles that feature a variety of cutting-edge technologies thanks to the rapid evolution of the car industry in recent decades. However, that has not resulted in noticeable shifts in insurance premium costs. Various collision-avoidance features are available in modern cars, despite which the number of reported accidents has remained relatively high.

How will insurance companies adjust to new conditions?

Although it is currently challenging to predict how driverless cars will affect car insurance businesses, it is likely to assume that the transition will be slow enough to allow the insurance industry adequate time to adapt. There are three main areas where insurance companies can improve in the future, according to certain reports.

1. Heightened cyber security risk:
Driverless cars will observe an increase in the use of hardware and software in cars, posing a cyber security risk. There may also be an increase in the likelihood of cybercrimes such as theft, ransomware, hacking, and the improper use of data about cars. In the not-too-distant future, car insurers will be able to start offering coverage in this area.

2. Technological concerns:
There is a significant risk of catastrophic loss due to software faults, memory overflow, and algorithmic flaws in automotive-related sensors and processors. Insurers will typically cover these types of losses with additional features.

3. Infrastructure insurance:
Factors such as cloud server systems, signals, and other safeguards that will be set up for the protection of vehicles and drivers will give a substantial yearly revenue potential in premiums. The need for public infrastructure insurance and security is bound to increase.

In conclusion, the automotive and car insurance industries are changing tremendously, and this transition will likely to drive the automated future. Until we have more information about innovations, it is ideal to buy new car insurance in case you don't have one to safeguard your current asset.

Click HERE to buy new car insurance.

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

India has about seventy-five hundred kilometres of coastline spread across the subcontinent. It has nine coastal states and four coastal union territories, two of which are islands. Surprisingly, this makes India one of the wealthiest coastal countries in the world.

Adding to the coastal delight are several fun tourist activities that keep the golden sands and the blue water buzzing throughout the year. One such fun activity is scuba diving. Scuba diving is one of the most exhilarating underwater experiences every adventurer must try. Discovering peace beneath the sea, exploring marine life, and swimming with the fishes are sure to be among the most treasured memories.

This article will look at some of India's must-visit deep-sea diving places to add a thrilling flavour to your holidays.

1. Andaman and Nicobar Island:

The pristine island of Andaman and Nicobar is home to some of the best scuba diving spots in the world. Tourists from across the globe visit this island to explore the various underwater activities.
The colourful school of different fish and endless underwater canyons will leave a mark on your memory. Andaman promises one of the densest ecosystems of coral reefs spread across hundreds of metres combined with the view of the volcanic lava hills, making it one of the unique scuba diving experiences.

2. Lakshadweep:

The Lakshadweep islands are known for their beautiful blue water offering some of the most spectacular views for diving enthusiasts. Turtles, sharks, and manta rays are some of the most common visitors during diving expeditions.
The calm waters and the diverse aquatic life makes it ideal for beginners to enjoy this activity without inhibitions. Coral reefs, shipwrecks, and caves are a few fascinating sites that one can see during underwater adventures.

3. Karnataka:

The pigeon island or Netrani Island is set off the coast of the quaint temple town of Murudeshwar. Divers seek this place out for its unique heart-shaped diving site. Since the coast is easily accessible by Goa, Maharashtra, and Karnataka, local tourists have an added fascination for this spot. The deep, blue, and beautiful water here makes the scuba diving experience a dream come true.

4. Maharashtra:

Witness the mighty opulence of the Arabian sea at Tarkarli, situated near Sindhudurg Fort. Swim alongside dolphins and other mammals and experience a state of trance as you get lost in the quiet undercurrents of the sea.
Explore exotic fish, coral reefs, underwater plants, and much more. The beautiful and quaint backdrop will keep you wanting more. Pause and relax at the beautiful beach after experiencing the crystal-clear waters of Tarkarli.

5. Diu:

The mesmerising beaches of Diu boast of quiet and serene white beaches. Many of the diving spots here are unexplored and untouched by tourists. They are known to be safe and filled with abundant varieties of fishes that will leave you stumped and wanting more. Add Diu to your list for exploring the unexplored and making memories of a lifetime.

6. Kerala:

The queen of the Arabian sea, Kochi, and the coastal town of Kovalam host some of the country's most breathtaking deep diving sites. You can experience diving with a diverse marine life on the panoramic beaches of Kovalam.

These are a list of some of the most beautiful and serene deep-sea diving experiences in India. Explore these fun spots with loved ones and family for your next vacation. Always explore the underwater with professionals equipped with expertise in diving and top-quality equipment.

A quick internet search can help you determine the best service provider in the area. While you do not compromise on the safety while trying deep-sea diving in India, it is important to check once with your insurance. No trip is complete without investing in a good insurance plan for your family and yourself. Opt for personal accident insurance online plans to ensure that you and your loved ones are safeguarded against unexpected expenses.

Click HERE to know more about personal accident insurance online 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.

Have you ever noticed thick black smoke being emitted from your car when you accelerate? This happens due to an engine blockage, more commonly encountered in diesel cars. Diesel engines have a bad record when it comes to pollutants and cleanliness. Most car owners ignore the smoke, assuming that it will go away on its own. It is true that when you start your car, there may be a brief blast of smoke that quickly dissipates. But, if it persists, smoke tailpipes suggest that your vehicle is unhealthy and needs repair. Let's have a detailed look at the causes for black smoke emission from the exhaust.

1. Clogged air filter:
A typical engine consumes all of its fuel and emits water and CO2. The presence of black smoke suggests that something is causing the fuel to burn only partially, resulting in an improper air/fuel mixture. Because diesel fuel is only one component of the combustion process, we must also consider air. If there isn't enough air going through to the engine, the blend will be overly rich, i.e. the ratio will favour the fuel. Estimation says that dirty or clogged air filters can increase particulate emissions (PM) by 40 to 50%.

2. Defective Mass Airflow (MAF) sensor:
As previously stated, all fuel consumed requires a proper air/fuel ratio. Not only must you ensure that the air filter is allowing adequate air in, but you must also ensure that the car's system is accurately measuring the amount of air entering the vehicle.
The MAF sensor is responsible for forming the engine's proper fuel and air mixture. If something is wrong, it will detect more airflow entering the system, resulting in fuel overload. Eventually, there will be unburned fuel that may result in dense black smoke from the exhaust.

3. Broken piston rings:
Piston rings aim to prevent engine oil from entering the combustion chamber. However, as the piston rings deteriorate with age and use, engine oil flows further into the combustion chamber. This oil reacts with the fuel, forming an undesirable mixture, and the combustion of this mixture produces black smoke.
A comprehensive private car insurance India plan addresses all engine repairs or replacement issues of your vehicle. So, always purchase the engine protection cover add-on plan, as it will cover any damage or loss to your car's engine under your car insurance policy.

4. Excessive oil consumption:
Black smoke by excessive oil consumption is caused by worn valves and valve stem seals, stuck/sluggish rings deposits, and worn cylinder liners. The incorrect oil, extended drain intervals, dirty oil, and failure to maintain proper oil levels can lead to engine wear and deposits.

Getting to the bottom of reasons for excessive smoke emission ensures you're not overlooking a bigger, more expensive problem. Maintaining your vehicle can save you money while keeping you safe on the road.

If you're worried about engine problems, a good idea is an engine protection cover with your private car insurance India plan for your four-wheeler. This add-on provides comprehensive coverage for your vehicle's engine in exchange for a slight increase in your insurance rate. So upgrade for an enhanced quality of your vehicle and ensure maximum safety.

Click HERE to know more about private 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.

The feeling of riding a motorcycle in the morning is otherworldly. But it's not only the early morning atmosphere that gives this ethereal feeling to the rider. It's also the smooth functioning of the engine and the swift and excellent acceleration of the motorbike in the morning. Many people experience this but do not pay much heed to why this happens.

This blog aims to make this phenomenon more understandable for curious bike fanatics.

1. Reduced friction:

The smooth ride that the engine provides in the morning and the minimum noise directly result from the engine's internal temperature. However, other parts of the engine maintain their temperature even when kept at rest throughout the night. Due to the thermal expansion of metals, there needs to be a proper gap between various working parts of the engine.
For example, to permit the expansion of the piston, there is a gap within the block of the engine. There is less friction, resulting in less noise in the morning due to this gap between the piston and the cylinder wall in the morning. This occurrence applies to almost every moving part of the engine.

2. Viscosity:

Another reason the engine feels smooth in the morning is the oil's viscosity. Viscosity is inversely proportional to temperature. In the early morning, the engine oil is cold, making it denser in volume. This higher viscosity accounts for maximum lubrication in the engine, which results in the smooth running of the bike.

3. Fuel management systems:

As far as better crisp acceleration in the morning is concerned, the fuel management system of the bike is the most responsible. The bike's fueling is divided into two- either fuel and air can be mixed proportionally by a carburettor, or the fuel is atomised at high pressure, mixed with clean air, eventually entering the engine's combustion chamber.
Carburettors give you a crisper throttle response due to the richer mixture between fuel and air. But nowadays, these are slowly being phased out due to the increasing pollution by carburettors.

So, do you really need to warm the bike up before starting it? This is another question that greatly puzzles bike enthusiasts.

There's no real need to warm up an engine for more than a minute before starting it. For a long time, all bikes used a carburettor for combustion. This type of engine tends to run poorly until appropriately warmed.

So, there is still a misconception that you must let the engine warm up before you start riding it. But it would be best if you were careful about hammering the throttle before the engine has gotten all nice and warm.

Riding a motorcycle gently for the first few miles is a good idea because putting the engine under extreme pressure while still cold increases the chances of damage and breakdown.

This damage is dangerous and can result in the maintenance fees burning a hole in your pocket. The best solution to counter this is investing in a good bike insurance that pays great dividends.

Click HERE to know more about bike 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.

Taking care of one’s body is often neglected. We overlook the hints, wait for the symptoms to worsen, and only take action when the situation gets out of control. Being negligent of one’s health can have various long-term complications and cause the condition to become untreatable.

A routine lifestyle, ample exercise, and regular health checkups are mandatory to ensure good health. One thing to remember is that your body gives you constant signs about its health in the form of frequent pains, dizziness, lethargy, etc.

Understanding the severity and taking immediate action can help you ensure better health. As mentioned above, pain is an indicator of various problems in your body, and while most of them can be soothed by home remedies, it is best to pursue professional help if the pain persists.

Today we will look at a few indicators that signal your next chiropractor visit.

1. Headaches:
The tension in the neck muscles and inflammation of the joints can cause severely painful headaches. A chiropractor can reduce the tension by manipulating your spine and significantly reducing headaches.

2. Joint pain:
If you are someone who suffers from constant pains in the joints and muscles, it is not advisable to take over-the-counter medications. Severe joint pains can arise due to problems in musculoskeletal alignment. A chiropractor’s work ensures optimal body functioning and relieves joints and muscles from unnecessary pain and discomfort.

3. Backache:
Many people experience severe back pain due to various factors such as poor ergonomics, working habits, body postures, and continuously sitting at a desk. A chiropractor can help you fix these problems without using medicines or expensive surgeries.

4. Limited movement:
Reduced flexibility leading to restricting movement requires a visit to a chiropractor. Realigning the bones and joints and relieving knots and tension areas can increase the body’s range to work at optimal potential.

5. Shooting pains:
Having sharp and shooting sensations, feeling tingles and weakness can signify pinched nerves or slip discs. A chiropractor is trained to diagnose the exact cause of this pain and perform a spinal adjustment to remove any unwanted pressure on the nerve to reduce the pain.

6. Lifestyle:
People who are often subjected to excessive strain and pressure in sports and gymming can be at greater risk of injuries. Prolonged activities can lead to pinched nerves, slip discs etc. Consult your chiropractor regularly to ensure correct postural alignment and fix other issues related to the same.

7. Injury:
Any recent injury can cause pain, numbness, tingling, and misalignment. You should visit the chiropractor only after your wounds and other injuries have healed.

Consider the above comprehensive list of all things if you are thinking of visiting your chiropractor. Remember that you should not wait for the pain to worsen and affect your daily activities. If it persists, see your chiropractor immediately. If you are a desk worker or someone who indulges in rigorous physical activity such as dancing, sports etc., fixing an appointment with a chiropractor will ensure good postural alignment and reduced tension in your muscles.

Older people are susceptible to joint and muscular pains, so regular checkups and visits to the chiropractor can help. Consider investing in health insurance options for your parents. Doing some research online can help you find the best health insurance in India for your parents. So, you can rest assured about yourself and your parents’ health.

Click HERE to know more about the best health insurance in India for parents.

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.

Menstrual hygiene has been a hot topic amongst people for the last few years. Earlier it was behind closed doors, but today it’s out in the open. Women have come a long way from using leaves to clothes to pads to tampons. With the times changing constantly, people have discovered newer, cheaper and more environment-friendly alternatives. The latest in the market is a menstrual cup.

What is a menstrual cup?

A menstrual cup is an instrument woman can use during her menstrual cycles to avoid leakage and staining. After insertion, this device collects the menstrual fluid inside the vagina. Menstrual cups are typically made of flexible medical-grade silicone or latex.

Why is it a competent alternative to pads and tampons?

● Sanitary pads are made out of plastics that can cause irritation, pad rashes and chaffing. Sometimes, additional chemicals and fragrances are added to these pads, which can cause allergic reactions in women.

● If the pads are worn for long hours, it can cause bacterial infections. Changing the pad every three to four hours can be a cumbersome task for a woman who is always on the go. Limited access to public toilets makes the process all the more challenging.

● Pads tend to dislocate easily from their position, so undertaking active sports or other activities can be challenging as there is always a chance of leakage and staining.

● Tampons are invasive menstrual hygiene devices made out of cotton. This means that the tampons can sometimes leave fibres or other materials inside the body leading to health complications.

● With tampons, there is a great risk of toxic shock syndrome, which can sometimes be fatal.

● Depending on the brand, a tampon or pad can cost between 10 to 15 rupees. A woman spends about four hundred rupees a month on menstrual hygiene. This accounts for around five thousand rupees a year, which is costly.

A menstrual cup is a solution to all the problems mentioned above. The menstrual cup is a reusable device that can last up to 10 years and cost anywhere between two hundred and six hundred rupees. Since it is made of medical-grade material, there is no apprehension regarding its insertion into the human body. A menstrual cup can be worn for about 12 hours and can be reused after a single wash for the same cycle. Since it is made out of silicone, it can absorb any bacteria and not cause an imbalance in the ph balance.

How is it helping the environment?

A significant part of the sanitary napkin is made of plastics that can take up to eight hundred years to decompose. And even after that, they break into microplastics which pollute soil, water and air. Many women burn the menstrual pads after use, releasing highly toxic fumes into the environment. In India, about one lakh tonnes of menstrual waste is produced yearly. Switching the menstrual cups can bring about a considerable change for the environment.

Bringing this change can bring about a significant difference to your menstrual hygiene routine. It is cost-effective, environment friendly and most importantly, the most fuss-free tool. Starting with a menstrual cup can be a little tricky and intimidating, but there are several instructional videos on the internet to make this process easier for you.

Menstrual hygiene should never be compromised and should be taken seriously. Regular visits to your gynaecologist can help you better understand your body and its needs. Before taking a trip to your doctor, do not forget to renew your health insurance. Updating your insurance has become as easy as just a few clicks. You can renew health insurance online and save time and even get additional benefits.

Click HERE to renew health insurance online.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1. Full centre console:

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

2. Drop-in centre console:

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

3. Double storage centre console:

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

4. Contractor centre console organiser:

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

Some great additions that you can install in your car.

Back seat organiser:

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

Hand sanitiser pump for cup holders:

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

Car vacuum:

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

First aid kit:

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

Silicone baking cups:

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

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

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

Click HERE to know more about car insurance online India.

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

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

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

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

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

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

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

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

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

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

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

Click HERE to get car insurance for your valuable asset.

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

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

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

What is dry eye syndrome?

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

Symptoms of dry eyes syndrome.

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

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

What causes dry eyes syndrome?

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

● Using contact lenses for a long time

● Being in the wind

● Breathing smoke

● Being in a very dry environment

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

How to prevent dry eye syndrome?

You can prevent this eye condition by following these tips:

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

● Avoid using hair dryers as much as possible

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

● Wear glasses to protect your eyes from the drying wind

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

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

What are the treatments available for dry eye syndrome?

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

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

Click HERE to buy new car insurance.

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

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

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

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

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

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

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

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

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

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

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

Click HERE to know more about how you can renew health insurance online.

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

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

Which two-wheeler insurance policies are offered in India?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Much like oil, the coolant in your car is a special fluid that can't be overlooked. Although, in comparison to oil, the coolant needs less attention. Car owners often tend to neglect it, which can severely damage the vehicle and potentially be life-threatening.

This post will give you a clear idea about what will happen if you drive with low or no coolant.

What is coolant?
Coolant is a combination of water and antifreeze. It has a greater boiling point than water, and works at higher temperatures and pressures to regulate the heat generated in the engine. It takes heat from the engine and radiates it back into the atmosphere via your radiator.

Here are the effects of driving with insufficient coolant.

1. Overheating:
The main function of a coolant is to extract heat from the engine. A shortage of coolant may cause your car engine to overheat. If you continue to run an overheated engine, there could be irreversible damage, such as pistons welding to the cylinders.

2. Engine cutoff:
Modern vehicles feature a safety mechanism that will turn off the engine if it suffers considerable damage due to a lack of coolant. Although this function can help you save on engine repairs, it can leave you stranded on the road.

3. Damage to the water pump:
The water pump’s function is to circulate coolant throughout the engine. The pump will continue to run dry if there is insufficient coolant. If the pump goes dry, racks and pockets of air will form in the coolant channel. This increases the pump’s burden and can destroy it permanently.

4. Damage to engine:
The engine blocks are not the only sections that can be damaged by overheating. Many other components can become exposed to heat.
Below is the overview of parts that may suffer the wrath of an overheated engine:

• Head gaskets

• Cams and pulleys

• Warped or bent connector rods

• Crankshaft

• Piston timing

• Connecting rod

5. Decreased mileage:
Your car's engine will be less efficient if you don't have enough coolant. Friction generates more heat, which means more energy is spent. As a result, the fuel efficiency is dismal.

How to identify low coolant levels?

1. Dashboard Warning:
The coolant warning light will light up on your dashboard when car sensors detect a low level of coolant. Keep an eye on your dashboard; it is essential to note that not all cars, especially the older ones, have this feature. Therefore, consider manual checking of the level periodically.

2. A.C. blows hot air:
If your AC unit starts blowing hot air, it is a sign of a lack of coolant.

3. Lower mileage:
Your car starts to consume more fuel per km and shows reduced engine performance.

4. Temperature gauge rise:
The temperature levels of internal components start showing an unexpected spike due to the low level of coolant.

It is vital to make regular coolant checks a habit. If your car's coolant runs out, pull over immediately. Let the engine cool to a safe operating temperature before going to the nearest garage.

If you're unable to drive to a garage, have your car towed to avoid the risk of further damages. Car insurance proves to be a valuable investment in such situations. So, purchase a car insurance policy that provides you with your desired benefits and adds value to your four-wheeler.

Click HERE to invest in ideal car insurance that meets all your requirements.

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.

Technological advancements are visible in a country like India, where economic developments are happening rapidly. These changes are accelerating the growth in all sectors, including the automobile sector. The car industry is an essential growth driver of the Indian economy, and a lot is yet to be done in this field.

Additionally, the Indian economy is set to grow by 7.4% in the coming years. This will significantly impact the automotive industry as well. Car sales in the country have grown by 50% in the last few years, and it is set to record more in the coming years. Automobile ownership will take a giant leap and be a convenient option for most commuters.

However, with such growth, the risks also increase. This also leads many fraudsters to take different ways and means to hack and steal. As the existing state of motor security in India is inadequate, every motor insurance company in India is trying to protect people against such crimes.

All next-generation cars must follow more security regulations to address these challenges. Let's have a detailed look at them.

What is the current scenario of vehicle security in India?

Like everything else, the car security statistics of India are not satisfactory. Every year, more advanced means of theft are discovered. Car theft, hijacking, and robbery are common matters these days. The cars are also more prone to theft because there aren't enough safe parking spaces, which makes them easy targets for carjackers.

What is car hacking?

The automotive industry is under the radar of cyber criminals every day. As the technology is being developed, the risk increases. Vehicles are more connected and automated than ever. This allows cybercriminals to hack into the system and steal valuable data.

They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.
They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.

What can be done to prevent it?

After the car theft crime rate is increasing rapidly, the Indian government initiated various guidelines for the automobile industry. These security regulations need to be thoroughly followed by all future vehicles. These rules will keep drivers safe and expect to reduce the crime rate. These are

1. Security standards:
The government is trying hard to elevate the safety standards of vehicles. This means that all vehicles need to be equipped with GPS trackers in the future. Additionally, an anti-theft device should be placed too.

2. Using a High-Security Regulation plate:
HSRPs come with a non-removable snap-on lock which is irreplaceable. All the vehicle details, like chassis and engine numbers, can be collected and stored in a secure database using HSRP. These unique number plates will bring uniformity by eliminating the use of fancy plates. This can also aid authorities in easily tracking your vehicle's registration number.

3. Update all software:
It is crucial to regularly update all security patches of your vehicle's firmware and other IoT software to eliminate any possibility of hacking or breaches. Another advanced solution for connected vehicles includes public-key infrastructure (PKI) that ensures a superior level of security.

4. Awareness:
Regular awareness drives and car security campaigns are mapped out for all car owners so that they can be prevented from theft. This also includes educating them about tracking devices, hacking, etc.

5. Accessible public transportation:
The government is creating a massive public transportation infrastructure for the general public's convenience. Buses and metros are being developed every day, and more cities are being included in the list of metros. This will reduce the dependence on private vehicles.

The future of next-generation cars relies on technology. GPS trackers, Bluetooth connectivity, and anti-theft devices are the future of the automotive industry. They will be mandatory in the future. Every motor insurance company is considering them while planning out their insurance policies.

Click HERE to buy a policy from the best motor insurance company.

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

You're familiar with that feeling when you're on the verge of becoming ill. You feel worn out, like something is wrong, and you're colder than usual. And at that point, you start to wonder just what is happening. Is it the cold, the flu, or the RSV? Or might it just be allergies?

When you first start to get sick, it can be hard to tell the difference between these illnesses. Surprisingly, they have identical symptoms. Find out in the following article what might be causing your flu-like symptoms and when you should visit a doctor.

What are the symptoms of flu?

● Nausea, vomiting, and diarrhoea

● Muscle aches and pains

● Sore throat, running nose, or cough

● Swollen lymph nodes in the neck

● Fever

What other conditions are like the flu?

1. Cold:
Most people have experienced many episodes of the common cold. A wide variety of viruses brings it on. Symptoms of a cold include a running or stuffy nose, a sore throat, coughing, sneezing, headaches or body aches, and fever. Since there is no way to tell if you have a cold, most treatments are meant to ease the symptoms.

2. COVID:
The symptoms of COVID and the flu sometimes coincide. In its early stage, COVID symptoms are more like those of a cold than of the flu. Breathing difficulties and loss of taste or smell are two symptoms that are more prevalent with COVID.

3. Pneumonia:
Both viruses and bacteria can cause pneumonia. Cough, fever, shortness of breath, and exhaustion are the primary signs of pneumonia. It's also crucial to remember that pneumonia can develop from the flu, COVID, or a simple cold. This is only sometimes the case, though. Finding out if you have pneumonia requires a chest X-ray.

4. Bronchitis:
A lower respiratory infection or inflammation is referred to as "bronchitis." It is caused by a virus that affects the lungs, but the symptoms can last even after the infection is gone. It may be caused by persistent inflammation. Your symptoms and other medical issues typically determine your course of treatment. Steroids and inhalers are helpful for some people.

5. RSV, or respiratory syncytial virus (RSV):
RSV is a widespread virus that manifests as flu-like symptoms. In grownups, it frequently resembles and feels like the common cold. But it can hurt the lungs and cause breathing problems in young children, especially those under 6 months old. Infants with RSV have fast breathing and apparent behavioural abnormalities. They could have difficulties in eating or seem more worn out than usual. A hospital stay may be necessary for oxygen and constant monitoring during treatment.

When should you go to the doctor if you're experiencing flu-like symptoms?

● People with severe lung or heart diseases

● Very young children

● Older adults over 65

● Women who are pregnant or within two weeks of birth

● People with neurologic abnormalities, such as a history of seizures

If you experience any of the following, get medical care right away:

● Dizziness

● Pressure in the chest or stomach

● Extreme muscle tenderness

● Dehydration and inability to retain food

● Difficulty breathing or fast breathing

● No improvement in symptoms after 3 to 5 days

A healthcare professional can test you for many diseases you might have and ensure you get the right treatments. Mainly due to change in seasons, flu-like symptoms are frequent. It could be hard to tell the difference between the flu and other diseases like COVID, the common cold, or strep throat. If you have the flu but aren't sure, see your doctor for a check-up.

You can speak with your physician about receiving a flu shot if you fall into one of the high-risk categories. Your medical bills, pharmaceutical charges, hospitalisation costs, and other expenses are all covered by health insurance. Health insurance in India is now more than just a choice—it's necessary to get the best medical care without worrying about how it will affect your finances.

Click HERE to buy 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.

Kayaking is one of the most exhilarating water sports activities one can indulge in during the summer holidays. It is an exciting way to explore the natural beauty of lakes, rivers, and oceans while exercising and enjoying the fresh air. However, for those who are new to the sport, it can be overwhelming to figure out where to start. Therefore, we have compiled a list of the best beginner tips to help you enjoy kayaking this summer holiday.

While kayaking is a fun and exciting activity, it also involves some risks, and it's essential to take precautions to ensure your safety. In addition to learning the basics of kayaking, it's necessary to understand the importance of wearing protective gear and obtaining a personal accident insurance policy before you hit the water.

With these factors in mind, let's understand some detailed pointers to help you make the most of your summer kayaking experience.

1. Choose the right type of kayak
Before you start kayaking, you must choose the right type of kayak for your skill level and the water you'll be kayaking on. Sit-on-top kayaks are an excellent option for beginners as they are stable and easy to use. They are also less likely to tip over, making them safer.

2. Wear appropriate clothing and gear
Kayaking can be a wet and messy experience, so wearing appropriate clothing and gear is essential. Wear a life jacket, a helmet, and appropriate footwear. Choose quick-drying, lightweight clothes that will keep you cool and comfortable in the water.

3. Learn the proper paddling technique
The paddling technique is essential for an enjoyable kayaking experience. Learn the proper technique from a qualified instructor or watch online tutorials. Good technique will help you conserve energy and prevent injuries.

4. Choose calm waters
Choosing calm waters with minimal currents and waves is essential for a beginner. Avoid kayaking in open water or rough conditions until you're confident in your abilities.

5. Bring a friend
Kayaking alone can be dangerous, especially for beginners. Bring a friend along for safety and to make the experience more enjoyable and memorable.

6. Stay hydrated
Kayaking can be physically demanding, and you can quickly dehydrate in the sun. Bring plenty of water or sports drinks to stay hydrated throughout your kayaking trip.

7. Check weather conditions
Before heading out for your kayaking trip, check the weather conditions. Avoid kayaking in stormy or high wind conditions, as these can make the water choppy and difficult to navigate.

8. Know your endurance
As a beginner, it's essential to know your limits and not push yourself too hard. Take frequent breaks, and don't overestimate your abilities. It's better to have a shorter, enjoyable kayaking trip than to push yourself too hard and have an awful experience.

9. Get a personal accident insurance policy
Consider getting a personal accident insurance policy before embarking on your kayaking adventure. This will protect you from any accidents or injuries during your kayaking trip. This policy can provide financial assistance for medical expenses and lost income due to injuries.

Kayaking can be incredibly fun and rewarding for anyone looking to enjoy the great outdoors this summer. By following the beginner's tips outlined above, you'll be able to get started with kayaking in no time while ensuring your safety and minimising the risks. Always prioritise your safety by wearing personal protective gear, obtaining a personal accident insurance policy to safeguard yourself against all the risks and dangers of the sport, and checking weather conditions before you hit the water. So, grab your paddle, wear your life jacket, and get ready to have fun on the water!

Click HERE to learn more about the benefits of purchasing a 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.

Are you getting older and giving up on sports? This is a common phenomenon as the fear of injury increases with age and our fitness levels diminish. We hesitate to indulge in our favourite sport, badminton or cricket, with the fear of a muscle tear or a strained back.

But wait. Older adults should constantly engage in physical activities and sports to stay fit and active and enjoy a good social health score. Here are a few sports you should indulge in if you are an older adult and want to feel young again.

1. Golf
Golf is popular worldwide, and older adults can easily engage in it. It is a great stress reliever and improves your overall mental fitness. At the same time, it does not involve much running or physical effort, making it a great choice for older adults. Golf is known to improve blood circulation, which benefits your heart.

The older adults will also build a social circle while playing golf, which improves their emotional quotient. You should keep in mind that there is no pressure to perform well. Enjoy the time you spend outside in the sun in good company, and you will feel young again and light at heart.

2. Group exercises
Yes, group exercises are not just for the young ones but for older adults as well. Older adults can join group exercise classes, be it yoga, pilates, zumba, or some other dance form. They will start feeling young again even if they participate just a few times a week and not daily.

A group exercise will encourage older adults to match their pace with the group. It will keep them agile, fit, and active. These low-impact exercises can also benefit their respiratory system, muscle flexibility, and core balance. They are enjoyable and will also help them build a social circle.

3. Cycling
Cycling can be a great sport that can greatly benefit older adults. They don’t have to cycle at high speeds for long, as mild cycling can do the trick. Cycling improves cardiovascular functioning, immunity, and blood circulation and sharpens the mind. It can make you live longer and reduces the chances of hospital visits.

4. Doubles tennis/ badminton
Playing tennis or badminton in the singles format can be tough and draining for older adults. They can play doubles tennis or badminton to stay fit and agile at their own pace. These are fun sports, easy to play and practice. These sports will help strengthen their muscles, improve blood flow rate, and help them stay mentally fit. Older adults will feel young, active, and energetic once they start playing these sports in routine.

5. Billiards
Older adults can also engage in billiards as a sport. It is an indoor game; they need not sweat to play it. Also, it can be played with just 2-3 people. The sport requires moderate physical movement, sharpening the mind and improving concentration.

It is essential for older adults to engage in any of the above sports of their choice and feel young again. These sports will improve their muscle strength, blood circulation, balance, efficiency, and general mind and body fitness.

But sports also come with the risk of accidents. Hence, a personal accident policy is a must for everyone. It provides coverage and financial support for medical treatment due to an accident. You can easily browse several personal accident insurance online that the insurance companies offer, compare them, and choose the best among them conveniently at the click of a few buttons.

Click HERE to buy 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.

There are numerous general insurance companies in India offering multiple insurance products. However, most of the population is opposed to purchasing these insurance safety instruments despite the dire need for long-term stability. Recognising the slack in demand for purchasing specific policies, general insurance companies in India have developed a new way to make insurance products more accessible.

Embedded insurance, also known as bundling insurance, is the latest method of partnering with a third-party brand and offering consumers complimentary insurance or with a nominal fee over the transition cost. It helps make insurance accessible by bundling it for customers.

However, if you wonder how embedded insurance can expand opportunities and build strong customer journeys, read on.

What is embedded insurance?
Embedded insurance enables a third-party provider to introduce innovative insurance products for customers. It provides consumers with more affordable, personalised, and relevant insurance. It also allows general insurance companies in India to access underserved and untapped markets.

How embedded insurance helps increase insurance penetration in India? Insurance penetration is calculated as a percentage of total premiums collected relative to the country's GDP. According to the IRDAI, the country's general insurance penetration is about 1%. India's insurance penetration is lower than in developed countries.
However, we anticipate an increase in insurance penetration due to embedded insurance.

Here's how embedded insurance transforms the insurance sector and increases insurance penetration.

1. Charging the untapped markets
This insurance allows insurers to access a new market. With embedded insurance, general insurance companies in India can provide microfinance companies with policies like personal accident insurance and more to target a specific audience. Insurers and third parties can expand the insurance sector's reach in India's underdeveloped markets with the help of embedded insurance. It allows them to reach the untapped rural market, increasing insurance penetration deeper in the country.

2. Innovating product offerings
Insurers can construct personalised and more relevant insurance policies using consumer data that was not recorded or digitised. Customers can also change the insurance policy's features, coverage, cost, etc., and discontinue them if they are no longer reasonable.

3. Enhanced customer experience
Embedded insurance boosts customer satisfaction, resulting in greater opportunities for general insurance companies in India to market their services and products. It also provides more customised coverage, allowing customers to change plans and premiums according to their needs. This way, it offers more significant benefits and value to the customers.

4. Low client acquisition costs
General insurance companies in India spend roughly 20% of their income on advertising to new clients. Embedded insurance decreases the churn rate by engaging policyholders at the right time in their journey. Also, the effective cost of customer acquisition is lower than other insurance.

5. Streamlined onboarding
Many people consider insurance an inconvenient procedure requiring a series of steps. Embedded insurance gives customers a streamlined issuing process, making insurance simple and inexpensive. This applies to the claim procedure too. The smooth operations of embedded insurance is a boon for Indians to invest in insurance massively.

Embedded insurance has much potential, but businesses must balance the efficiency and speed of business operations, regulatory compliance, and customer protection for this model to succeed.

Many general insurance companies in India are now integrating the internet of things (IoT), artificial intelligence (AI), machine learning, big data analytics, and other technologies to transform the insurance industry and deliver a hassle-free customer experience. While it will require time for adoption, it is a welcome move to increase penetration rates. Insurers must use the momentum and improve their dependability to gain consumer trust.

Click HERE to invest in a reliable general 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.

Insurance is a financial product like no other. Upon payment of a meagre premium amount, it protects the insured person or asset against a contingent event involving a risk to its present or future value. While general, health and life insurance are relatively common products with a higher penetration rate in India, personal accident insurance online lags far behind.

While this may be attributed to the lack of awareness, it is straightforward why the product is required. Accidents are uncertainties that can occur in any setting, whether travelling, commuting, or at work. Since you cannot eliminate the risk of accidents, purchasing personal accident insurance online is essential to protect yourself against hospitalisation costs and other expenses resulting from an accident.

The limited awareness regarding personal accident insurance is also only partially reliable due to the misconceptions surrounding the product. While its coverage to the extent of travel accidents is commonly known, there are several questions surrounding its scope of coverage for adventure sports.

Find out whether adventure sports are covered by personal accident insurance online.

Defining adventure sports.

Adventure sports are easy to define in lay terms but are described differently by every insurer. It includes sports that involve contact, extreme speed, technical gear, and extremely high levels of risk. As the name states, these sports have a considerably high-risk grade, making most insurers hesitant to cover them. Common extreme sports include skydiving, skiing, rappelling, mountaineering, etc.

Generally, irrespective of the type of insurance- general or non-general, most insurers do not offer coverage for adventure sports due to the intensity of the activities.

Why should you check for adventure sports inclusion before participating?

The thrill of adventure is second to none, and the addition of multiple uncontrollable factors only adds to the experience for those who seek an adrenaline rush. However, one must always ensure to protect themself from potential accidents before participating in such sports for the following reasons –

1. Hospitalisation coverage:
With medical inflation on the rise, covering any possible medical expenses, including those arising from adventure sports, is prudent. Considering the high-risk profile of these sports, it is always better to be ready for the worst and prepare a financial net that shoulders the burden of such costs.

2. Allied perks:
Personal accident insurance online offers related allowances such as a daily cash allowance, transportation, and more. This reduces the strain on your finances during your period of hospitalisation or any inactivity as an earning member.

3. Mental peace:
The most significant benefit of inclusion is the peace of mind to engage in activities of your choice. You don’t have to worry about the consequences due to the existence of a safety net for your finances.

Does personal accident insurance online cover extreme sports?

At face value, one may assume that personal accident insurance online would offer extreme sports coverage. Most insurers in India presently do not include accidents caused while engaging in such sports within the scope of the policy.

However, if you want coverage against such risks, some insurance companies offer comprehensive accidental coverage across all terrains and destinations. It may take additional effort to discover such insurers amid all those that exclude such accidents. Here are a few factors you should consider before purchasing a policy from such a provider:
1. The extent of sports covered- land, air, water, etc.
2. Provision of immediate medical assistance
3. Customisation of a plan as per your adventure needs
4. Active policy period

Despite the exclusion of extreme sports by most insurers, personal accident insurance online is an essential requirement that provides financial assistance when you are only partially covered by your term or health insurance policy alone. We encourage you to consider purchasing personal accident insurance online to cover the other form of accidents and your risk exposure.

Click HERE to buy 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.

Driving is a highly responsible task that requires a lot of attention and focus. Even the slightest distraction can lead to an accident which could be extremely dangerous and fatal.

So, it is recommended to be familiar with all the functions of the vehicle and drive sensibly. But did you know that the position of your seat and posture also play a significant role in your driving? You should always adjust your driver's seat for the best driving visibility. It should also ensure a good posture to avoid fatigue later. A good posture also ensures you are saved from injuries in an accident.

If you are wondering how to get optimal driving posture, we have you covered. This article will list all the ways to help you achieve the best driving posture.

Also, you should get the online motor insurance renewal on time to have additional protection and avoid trouble for your vehicle later. It can save you time, energy, effort, and hassles

How to maintain the best posture while driving?
Whenever you start driving a car, you should adjust the driver's seat according to your comfort and convenience. If you're driving someone else's car, it becomes more important to adjust your seat. If you fail to do so, you can get musculoskeletal disorders (MSDs) due to bad posture. A good posture also ensures that you don't get exhausted while driving. To adjust the driver's seat, consider the following:

1. Adjust the height of the seat
The height of the driver's seat needs to be appropriately adjusted to increase visibility while you drive. You need to adjust the seat according to your height so that you do not bend over to get the view properly. Moreover, there should be a minimum gap of about five fingers between the head of the seat and the roof of the car.

2. Maintain seat distance
The distance between the seat and the steering wheel is of prime importance. You cannot see the view correctly if it is too far away and requires bending over to reach the steering wheel. The seat should be positioned in a way that you can reach the steering wheel and the pedals effortlessly. This reduces the reaction time and helps you navigate the road well.

3. Maintain the backrest of the seat
Although it may not seem important, the backrest plays an important role while adjusting your driver's seat. The backrest ensures optimal comfort while driving. The backrest should be as vertical as possible.

4. Adjust the headrest of the seat
The headrest can serve as a great safety tool while dealing with accidents. It provides more protection to the head and saves it from injuries. You need to adjust the position of the headrest in a way that it protects your head in case of a sudden impact. You can also position a bit above your head for more protection.

These are only some suggestions by which you can get the best out of your driving experience. Lack of proper road visibility while driving can make it difficult for the driver to get judgement while making turns. These small measures will help you maintain a good posture and see clearly on the road. Make these adjustments in your driver's seat and savour the joy of a comfortable car journey. You should also get online motor insurance renewal done regularly for added protection.

Click HERE to get online motor insurance renewal.

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

Cracked heels are one of the most frequent and concerning foot problems, especially during the winters. It can happen to adults and children, although it tends to impact women more frequently than men.

Most individuals don't take broken heels seriously. Going barefoot may be uncomfortable as heel cracks occasionally go quite deep and hurt. Read on to find out the best home remedies and ways to keep your heels from getting cracked.

You can use home ingredients in simple cures for cracked heels:

We constantly take care of our faces, hands, and nails, but for some reason, we frequently overlook our feet. Additionally, they are more likely to get dry and cracked when wearing slippers or other footwear that exposes the feet.

Here are a few home-based cures for cracked heels that work quickly

1. Rose and milk for a deep conditioner:
This treatment will work like magic for people with painful, cracked heels. Take a small tub and fill it with warm water before adding half a cup of milk. Include a few rose petals and three to four neem leaves. Add a teaspoon of seed oil to the tub. If you have any essential oils, add a couple of drops. Spend 20 minutes soaking your feet, then gently scrub them to clear off the dead cells.

2. Oil massage:
Take one teaspoon of castor, olive, and almond oils and massage your heels with the mixture of these healing oils. Try moisturising your heels to help the oil soak properly. Wear socks and complete this technique right before bed. Your cracked heels will be healed and soft by overnight dampness.

3. Honey and banana moisturiser:
You should mix a teaspoon of honey and a small banana in a bowl. Achieve a liquid-like consistency before applying the paste to your heels. Keep it for 20 to 30 minutes, then rinse it with warm water. After patting your feet dry, apply your moisturiser. Vitamins A, C, and B6 are abundant in bananas, making them a natural moisturiser. Honey helps hydrate your skin and provides moisture to the skin's outer layers

4. Using a pumice stone and salt:
Pumice stone is used in this cure. Just add a few drops of olive oil to a spoonful of salt. Apply this scrub to your cracked heels, then scrub them gently with a pumice stone. Rub for another 20 to 30 seconds before washing with soap and water.

Caution:

If a medical disease is the cause of your cracked heels, do not attempt to treat it on your own. It could be necessary to receive specialised care from a podiatrist (foot doctor). No matter your medical history, a podiatrist should also look at cracked heels that are very bad. The doctor will recommend the appropriate course of action for your circumstances.

In the end, it can be hard to take care of heels, especially if you live in a dry area where they tend to crack. A lack of nutrients, diabetes, or atopic dermatitis may also cause cracked heels. The borders and soles of your feet may feel flaky and crusty when they become dry. These cracked skin symptoms can quickly disappear if you take good care of them by washing, moisturising, and wearing socks. Shea butter, coconut oil, olive oil, and honey are a few natural solutions for cracked heels. If these self-care solutions do not work for you, you must visit a doctor.

It is crucial to prioritise your health and ensure your well-being. Healthcare costs associated with sickness or accidents are covered by medical insurance. Your health insurance covers the costs of paying for your hospital bills or medical care directly. You can make online health insurance purchases conveniently with a hassle-free process.

Click HERE to buy an online health insurance plan.

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.

Buying a vehicle is a significant milestone in the lives of most people. However, it is a depreciating asset that requires much care to maintain. Irrespective of how well you drive, your car is bound to need some repair and maintenance at regular intervals by an expert and professional auto mechanic.

Most people get intimidated by a trip to the auto mechanic from the fear of the high prices and a lack of general understanding of the auto mechanics. Purchasing car insurance India is the first step to ensuring your vehicle is always protected.

When it comes to dealing with auto mechanics, following these five simple tips will ensure that you have a stress-free visit where you understand the costs and advice of the professionals.

1. Be prepared to communicate:
Communication is the most crucial aspect of any problem-resolution situation. You must be aware of any problems you wish to get checked. You don't need fancy jargon to explain the issue; as experts, a general idea is enough to give them an understanding of the underlying issue. You must be prepared to express what you expect- a regular maintenance check or component-specific troubleshooting.

2. Ask relevant questions:
Another major mistake is not asking questions. They may use jargon and quote estimates that you may not understand. Do not shy away from asking for clarifications. We do not recommend hovering around the mechanics. Still, it is justifiable to ask for estimates relating to costs, tips to prevent the problem from recurring, and help for other allied issues.

3. Read up on your car:
Knowing your car's make, features, and performing abilities allow you to understand the standard performance of the vehicle. Only then can you identify any variance that may require the inspection of a professional mechanic.
We recommend reading the car manual thoroughly and keeping information related to its identification number and component-related specifications handy in case it is required when scheduling a servicing appointment.

4. Request for original components from the manufacturers:
Buying a car is expensive, and any allied costs are just as expensive. Repairs and replacements can be pocket draining and are periodically required to keep your vehicle in its best shape. However, don't settle for replacing original components with copies made of inferior quality materials to minimise the bill.
Since regular repair costs are not included in car insurance India, the price of original components will inevitably have to be paid from your pocket.
However, using inferior substitutes will adversely impact your vehicle's performance and safety, putting your life at risk. Therefore, it is essential to request the mechanic to use original components to maintain the safety of your car.

5. Be available to approve further repairs:
In most cases, as mechanics work on the vehicle, they find other issues relatively more minor than the issue they are resolving presently. In such situations, they contact the owner to inform and ask for approval of comprehensive repairs. If you are unavailable at such times, the issue will magnify and cause concern.
If your car is at the garage and you get a call from the mechanic, it is suggested to respond at the earliest to get further updates that can improve the functioning of your vehicle.

Interacting with auto mechanics can be challenging, but it is a routine check you cannot skip, which is as crucial as purchasing car insurance India. However, dealing with auto mechanics can be simplified using our easy steps to get insight and the most value for your money.

Click HERE to buy car 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.

Music plays one of the inspiring roles through the most unpredictable journey called life. During the highs and lows of life, it is one constant that has been proven to have immense benefits for your mind, body, and soul.

Today, technological advancement can be seen through the different instruments and the tools to produce music that fuels our minds, thus lessening our stress and pain. People have started pursuing music professionally with immense dedication.

But one of the main questions still stands. What effects does music have on the human body and mind? How does it calm us down and bring peace to our lives? This blog will answer all your questions. Here are a few health benefits of listening to music you might not know.

1. Changes the brain:
Playing a musical instrument requires lots of practice, a massive chunk of your time, and immense dedication. And as an outcome, along with the fact that you will get well versed in playing an instrument, it has been scientifically proven that there are structural changes in your brain!
You involve a lot of senses when you learn to play an instrument- spatial reasoning, muscle movement, memory, coordination between sensory organs, and within the different sections of your brain. The nerve fibres connecting the left and right sides of your brain are more prominent in musicians than in regular people of various professions.
People who play the violin have been found to have larger brain sections that control the movement of the left touch and hand. Similarly, people who play the keyboard have bigger sizes of areas of the brain which control hearing and visual-spatial abilities.

2. Protection against diseases:
In many cases, it has been seen that people who have been in the field of music (playing instruments especially) for fourteen years or more have shown significantly visible structural and functional developments/changes in the brain. These changes might help protect them against dementia later in their lives.
Apart from this, various types of research have proven that musicians are much better in terms of verbal abilities and memory, spatial tests, and learning abilities when compared to non-musicians.
Patients who suffered from a stroke but have learned to play musical instruments have displayed a better recovery as they uniquely developed their motor skills compared to non-musicians. Such motor skills eventually help stroke patients function during everyday activities.
Not just dementia but listening to music or learning an instrument has also proven effective in reducing the risk of Alzheimer’s or delaying the progression or onset of this disease since these people have heightened memory and enhanced sensory skills.

3. Faster response/reaction time:
As people grow older, their reaction time increases due to the weakening of their senses and understanding skills. But people who have been into music, either by learning a musical instrument or being a fan of listening to their favourite musicians, have shown faster-listening capabilities, excellent touch response, and enhanced auditory and tactile abilities. Music lovers are also proven to have better integration skills of multiple senses while performing various tasks.

4. Handle pain after surgical procedures:
Several studies have shown that listening to music helps relieve chronic pain and alleviate pain generated by various surgical procedures. Music helps the patients keep calm and soothe themselves, relax and lower the need for sedatives, allowing for efficient recovery and satisfying the patient. Music therapy is often advised to patients to lessen their pain during recovery.

Other benefits of music include boosting mental health, managing anxiety and depression, enhancing productivity and concentration, improving cognitive abilities, and much more.

We hope this blog gives you insights that might help you delve deep into the world of music, navigate your interests, and improve your health. Considering your body, mind, and overall health, it would be wise to buy health insurance online India in safeguarding yourself and your family against unprecedented circumstances. You can explore your options and buy health insurance online India which is best suited for 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.

Drinking alcoholic beverages has been a social norm for centuries. But it's time that we rethink our relationship with alcohol. Alcohol may have some short-term benefits, such as reducing social anxiety, insomnia and a decrease in cardiovascular problems. These reasons and the fact that alcohol has become a part of nearly every social activity makes it a drink on many occasions.

However, excessive drinking can lead to serious health problems, including but not limited to liver problems, depression, heart diseases, and certain types of cancers. It is very admirable if you have decided to quit or cut back on your drinking, and this blog aims to guide you on how to do that conveniently with the best tips provided by health experts.

1. Introspection and finding out your triggers:
If you've decided to cut back on the alcohol, maybe you're worried about your cravings when you stop drinking for a day or two. Or perhaps it is about the reasons for which you drink. It is important to find out why you're drinking too much, which might be stress from a relationship, work, or other triggers. When these are identified, you can start avoiding them or try dealing with these problems in a different course of action rather than having a drink.

2. Measure your drinks:
One of the most effective tips that most experts give is to measure each drink and compare it to the official guidelines on how much drinking is safe for adults. This will also estimate how much you're drinking and further solidify your approach to reducing your consumption.

3. Set a drink limit:
Set a fixed drink limit according to official health guidelines and be cognizant of the drinks you take at a time. If possible, involve a friend or a family member to help you stop at the right amount.

4. Have dry days and make fun challenges:
The brain is always up for a challenge. Try having dry days, such as vowing not to take any alcohol Monday through Friday. Or you can have months of abstinence, such as No Drink December or Sober October. Make things a challenge and do it with the people you love to get the maximum benefits.

5. Find a support person / people:
Finding a community is the most crucial step towards a good change. Talk to trusted friends and family members about your decision to abstain, and they will surely help in the process. If this is not ideal, find online support to discover people with similar goals.

6. Keep attractive non-alcoholic options at home:
There's an urge to drink alcohol even if you're probably just thirsty and need water. However, water seems like a boring alternative to alcohol. So, keep fruit juices, sparkling water, or cold drinks in your fridge to avoid going for alcoholic options.

7. Make alcohol non-accessible, and try delaying your first drink:
A 10-minute walk at night to a bar or a liquor shop can be a significant deterrent to getting a drink. Avoid stocking up on alcohol in your house, as you'll likely be tempted to finish it sooner than expected. Request friends and family members to bring their drinks and take them back with them as they leave.
Another approach you can try is delaying the day's first drink to as late as possible. Research suggests that the earlier you start drinking, the more you consume.

Quitting alcohol is an excellent choice for your mind and body. There is no saying what excessive drinking does to your health in the long term. It is heavy on your well-being as well as your pocket. Follow the tips from health experts and take your step toward healthy living. Practice mindful habits like eating a healthy diet and drinking fresh juices, regular exercise for at least 10 mins, and indulge yourself in yoga and meditation.

Opting for a reliable health insurance plan is best to save money on hospital visits. Health insurance adds a safety net to you and your family to provide robust coverage and secure your finances during emergencies.

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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.

Car accidents do not come after announcements. Irrespective of the intensity of the accident, it is bound to stress you with a financial burden, bodily harm, or in worse cases- both. While we cannot prevent mishaps, taking precautions against potential risks is essential. Most people still undermine the importance of reliable car insurance that provides comprehensive coverage against accidental damages.

An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled, temporarily or permanently.

What is accident coverage in a car insurance policy?
An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled for a temporary or permanent period.

Factors to consider while choosing a car accident insurance cover.
In the era of digitalisation, you do not need to visit any insurance provider to buy an insurance cover. Purchasing car insurance online is straightforward and allows comparison between several policies to find the best one for you- saving time and money. The main challenge is to find the right insurance for you. Here are a few tips for finding the best car insurance in India with efficient accident protection.

1. Scope of plan:
Car insurance provides accidental cover in two forms- personal coverage of an individual (driver and occupants) or third-party damage. The premium amount and cover will change depending on the scope of inclusivity. Choose an appropriate plan after comparing the cost and benefits of different covers and choose the one with maximum benefits at an attractive deal.

2. Inclusive benefits:
Personal accident cover in car insurance plans includes permanent partial disablement rider, permanent total disablement rider, or accidental death benefit rider. Along with these benefits, look for additional benefits that your insurance provider may include in the plan, like ambulance, medicine, or allied recovery costs, which can help significantly reduce the final bills you will have to pay from your pocket.

3. Premium and coverage:
Premium plays a crucial role in accident covers of car insurance. Select an appropriate premium amount for each year so that it is not a burden on your income and provides you with a sum large enough to cover any expenses you may incur by meeting an accident or any allied expenses.

4. Insurance provider’s rating:
It is necessary to check the insurance provider's reputation in the industry before purchasing any insurance; car insurance is no exception. Ensure to check public reviews and ask your acquaintances about their prior experiences with the company.

5. Protection to occupants:
It is advised to closely understand the terms and conditions of car insurance that compensates family members or other occupants in case the accident leads to their disabilities or death. Generally, the policyholder must pay an additional premium to extend the coverage to the occupants or co-passengers in the car during the accident. This allows the policyholder to receive requisite medical attention without worrying about the costs.

6. Claim settlement:
Claim settlement rate, method of benefit payout, and settlement time are of the essence when choosing insurance. A reputed insurance company that processes claims within a few days with minimal paperwork is ideal for minimising stress related to getting compensation.

7. Exclusions:
Before choosing a plan, check what is excluded from its cover. Usually, driving under the influence of intoxication, suicidal attempts, and involving in dangerous racing sports are excluded from the accident cover of the car insurance. Read all the terms and conditions and clarify your doubts before purchasing the policy.

Safety is the greatest and crucial aspect we must ensure while driving on the roads. While you cannot prevent accidents, you can minimise their impact on your finances, your car's well-being, and the damage to third parties by purchasing the best car insurance in India. Good car insurance is the essential safety net to protect your assets and increase longevity. As responsible drivers, you need to drive carefully, avoid over-speeding, and take care of all safety parameters like wearing seatbelts and regular car maintenance.

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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.

An off-road bike trip is a common wish on the bucket list of most adventure enthusiasts. The thrill of taking challenging terrains while watching picturesque scenery go by is unparalleled. Especially in a country like India, with rugged roads that aren't accessible by car, two-wheelers are the best option to explore the extreme interiors. However, planning for an off-roading trip is not to be taken lightly. It involves strategic decision-making regarding routes, your health, and safety.

While there are plenty of decisions to make while planning an off-road bike trip, the first should always be your and your bike's safety, and the best way to do so is by purchasing two wheeler insurance India.

Here are six tips to prepare yourself for your upcoming off-roading adventure!

1. Find the right bike for the trip:
To take on an adventure like off-roading, finding a bike that is the perfect fit for you is essential. While comfort is necessary, also look for a safe bike that is well-maintained to ensure it does not break down on the road. Check if any repairs or maintenance need to be done on components like the handlebar, seat, headlights, etc.

2. Get appropriate safety gear:
When we think of off-roading, we do not picture people wearing safety equipment. However, it is a rookie mistake not to go well-prepared. Safety is of utmost importance, not style. Get yourself a full-face helmet and knee and elbow guards. Also, try to keep your clothes form-fitting to minimise disturbance and discomfort. Ideally, look for riding pants, ankle boots, and a riding jacket, which are made for long rides. Always invest in your safety, and you'll surely get amazing results.

3. Insure your bike:
While the above-stated safety gear can protect you from injuries, two wheeler insurance is necessary for long-riding trips. It covers any possible financial losses due to accidents, thefts, or third-party damage. Two wheeler insurance India is mandatory even on regular roads. Still, it becomes essential for undertaking off-roading trips and provides a blanket of safety to cover your expenses in case of damage to your bike during the trip.

4. Pack appropriately:
What you pack depends highly on your destination, but wherever you may be headed, pack light. Do not try to pack everything you may need during the trip, as it's bound to weigh you down.
Keep it simple and carry disposables to throw away once you're done using them. For essentials like must-carry electronics, take the simplest versions, a few clothes, and crucial medicines. Prioritising items is necessary when packing for a road trip on your bike.

5. Make arrangements for self-sufficiency:
When planning for a road trip, you must be aware of the troubles you may encounter. You may face problems like not having access to food, water, or electricity. Be prepared with supplies or arrangements in such situations. Pack extra food and water as they are higher-priority items than a spare change of clothes.
With constant technological advancements, you can also find ways to use your bike's battery as an electricity source for your gadgets in worst-case scenarios. Do not rely on technology only- have a basic understanding of the route and destination and keep a physical map handy.

6. Get the essential tools:
As an experienced motorist, you may have a toolkit already. Still, if you're a newbie to motorcycles, it is essential to have a well-maintained tool kit with the basic equipment and a general idea of how to resolve minor issues. Always ensure that the kit is equipped with fully functional tools.

While spontaneous plans are exciting, taking an unplanned off-road bike trip may not be a good idea. With meticulous planning, comprehensive personal insurance, and two wheeler insurance India, your upcoming off-roading trip can be safe and enjoyable simultaneously! The last but most important thing you need to carry is loads of positivity, energy, and enthusiasm. The twists and turns are waiting for you to conquer them with pride.

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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.

Hygiene is a factor that requires attention at all points of time in one's life. The significance of maintaining hygiene only grows with age as responsibilities pile up. While teachers and parents continue to preach about the importance of hygiene throughout childhood, it is only in adulthood that individuals realise its need. Post covid, the importance of cleanliness and personal hygiene has been seriously undertaken to tackle the adversities of health conditions.

Good hygiene helps project a well-maintained image of yourself to your employer. While hygiene habits can prevent diseases, it does not replace the need for purchasing the best health insurance in India that provides a monetary cover to compensate for hospitalisation and allied expenses.

This article covers the benefits of maintaining personal and workplace hygiene and some easy tips that can be followed to ensure the same.

1. Employee-employer satisfaction:
As an employer, you may think that only compensation contributes to employee satisfaction. However, multiple factors affect an employee's perspective towards the organisation. While salary and non-monetary benefits play an essential role, so does the environment- including communication and working conditions. An employee made to work in a confined space with minimal to no care for workplace hygiene is likely to develop a negative image of the organisation and may not create a sense of organisational loyalty, resulting in high attrition rates.
Similarly, an employee that appears not to pay attention to their hygiene is seen negatively as an unbothered, unorganised person in a formal work setting. This negatively affects the employee's performance, and companies that emphasise cleanliness, organisation, and maintaining a high business environment may even lay off such a person.

2. Outsider image of the company:
While employee-employer relationships and satisfaction are vital for the organisation's functioning, more stakeholders play a significant role in the organisation's growth. Partners, suppliers, investors, and other professionals usually visit offices, and presenting an unhygienic office or employees with poor hygiene results in a negative image of the company in their minds.
Such negative word-of-mouth publicity may be detrimental to the company's growth, making it essential to maintain personal and workspace hygiene.

3. Reduced health concerns:
The effect of poor workplace or employee hygiene directly impacts the health of employees. Since employees are human capital for any organisation, employees frequently falling sick due to improper hygiene is bound to affect the functioning and profitability of the organisation.
Therefore, employees and employers must always maintain their and the office's hygiene. While good hygiene can prevent diseases, employers should invest in their employees' well-being by providing them with the best health insurance in India and reducing the burden of massive medical bills

How can employers maintain workplace hygiene?
The employer is responsible for providing a clean and well-maintained environment that allows employees to collaborate and make the most of their capabilities using the resources provided to them to work towards the organisation's goals. Some simple ways to ensure that the workspace is clean are:
● Clean and sanitised restrooms
● Cleaned windows to allow ventilation or functional air conditioners
● Installation of air filters in polluted cities
● Regular HVAC duct cleaning

How can employees maintain personal hygiene?
Personal hygiene is not a new concept. It is only the implementation that may seem difficult to some. Following these simple tips will ensure that employees can present themselves in the best manner:
● Following the official dress code
● Ensuring proper grooming before coming to the office
● Use of self-hygiene products like deodorants, trimmers, etc.
● Regular sanitisation of desks and periodic washing of hands with soap and water

Hygiene is a basic necessity in our lives, and workplace hygiene is no exception. Employers and employees can optimise the work environment to ensure enhanced productivity by making a conscious effort together. A healthy workspace blooms fresh ideas, and these ideas drive the success of the organisation and its individuals. Good health results from practising healthy habits, and when we talk about maintaining good health, insurance plays a vital role too. Employers must buy the best health insurance in India for their employees as a responsibility to ensure their well-being and value their commitment.

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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.

Be it enjoying fun activities amidst a large crowd in another city or country or revisiting nature to restore your peace and calm and give your soul the gift of solitude, the culture of travel in India is embedded right from the schooling years. The schools include educational trips, excursions, inter-school competitions, and student exchange programs and promote them with full zeal to the students.

But what places in our country can be considered safe and have the educational potential for students of different ages? Do these places have a rich history and culture the youth of our country must know about? We have curated a list of the most popular places in our country with educational prospects so you can review them and create your travel bucket list, if you are taking your kids on these field trips.

1. Let’s take a look at Aurangabad:
Aurangabad is a popular place that has been the centre of several discussions throughout the school years in our country. This place derives its name from the name of the Mughal emperor, Aurangzeb. Famous for the UNESCO-declared heritage sites, the Ajanta and Ellora caves, it also houses Bibi ka Maqbara, whose architecture is similar to the world-famous Taj Mahal in Agra.
Aurangabad is also known for its hand-woven Himroo and Paithani sarees which display the work of the artisans beautifully. It is one of the most-visited locations by students in our country and is also considered an important pilgrimage site for the Hindus.

2. The historical importance of Chittorgarh:
Rajasthan is known for its unique culture, tradition, and a wide network of heritage forts, palaces, and Havelis. Chittorgarh boasts stunning architecture and is brimming with beautiful temples and forts across the city.
The history of Chittorgarh involves several significant wars and dynasties taking over from time to time, making it a place that beholds a keen sense of interest from the eyes of historians and history lovers. You will find lavish and budget accommodations throughout the city and interact with locals to learn more about the Chittor fort's activities and other must-visits.

3. Say hello to Hampi:
The ancient city or empire of Hampi, in Karnataka, is one of the most popular destinations to enjoy an educational tour in south India. You can witness the brilliant carvings on the rocks, which depict the history of the place in a detailed version.
The elephant stables of Vijayanagara, the lotus palace known for its lotus-shaped dome and other attractions, enhance this historic site's charismatic value. The Hampi Bazaar market is one of the most famous bazaars in India, which sells a range of artefacts, antique coins, bags, handmade shawls, and much more.

4. Who hasn't heard of Kolkata:
One of the four main metropolitan cities in India, Kolkata is a city that holds major significance in terms of technological development, job prospects, and historical importance. The most popular city in eastern India and the capital of one of the largest states (West Bengal) in India, it radiates its culture, tradition, and history. From the famous Howrah bridge to the Victoria Memorial, you will witness a range of attractions perfect for an organised educational tour dripping with information that will sweep you off your feet. Some must-visit places in the city include Sri Aurobindo Bhawan, Raj Bhavan, National Museum and Energy Education Park, Science City, Nicco Park, Writer's Building, Dakshineswar Kali temple, and many more.

Some other destinations include Jodhpur and Jaipur in Rajasthan, Kaziranga National Park in Assam, Konark in Odisha, Mahabalipuram in Tamil Nadu, Mysore in Karnataka, Nalanda in Bihar, Agra in Uttar Pradesh, etc.

Now that we have spoken about how travel is an essential part of our lives to create memories and enjoy as we progress with our days. It is also necessary that we take crucial steps for the protection of our health and belongings while travelling. General insurance is a step towards ensuring that you and your family stay safe and secure and get the coverage you need during unforeseeable times of distress. You need to explore and opt for the best online general insurance which can cater to your needs in the best way possible.

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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.

Have you ever taken a long bus journey and gotten bored? Long bus journeys may sound exciting but are extremely challenging as you need to sit in the same position for many hours, causing boredom and fatigue. Hence, you should be prepared to make your journey comfortable and enjoyable in every possible way. If you're looking for tips to do that, this is an article for you.

*Pro-tip
Looking for good general insurance plans to improve your traveling experience and safer than usual should always be a priority. It will also keep everything in check and provide seamless benefits to protect your belongings while travelling.

A few tips to make the bus journey more enjoyable and less troublesome are as follows:

1. Opt for a night bus:
A night journey is far more comfortable than a morning one. Bus journeys at night are better due to less traffic and noise, and most importantly you save one whole day.

2. Choose comfort:
Make sure you wear comfortable clothes that are easy to move around in. If it is summer, opt for cotton clothes. During winter, make sure to wear enough warm clothing to keep yourself protected. If you're travelling in an air-conditioned bus, ensure you have blankets or shawls ready in your bag.

3. Keep things handy:
Some essentials like medicines, water, tissues, neck pillows, and socks, among others, should always be accessible to you. Quick munchies or snacks like biscuits, chocolates, dry fruits, etc., can be a great relief to withstand hunger during long bus journeys.

4. Keep an eye on your belongings:
It is extremely important to keep a good eye on everything you carry. Make sure that all your cash is not stored in the same place. Do not keep your handbag away from your eyesight.

5. Entertainment to pass the time:
Long bus journeys can take a big toll on your mood and mental peace, and only keeping yourself entertained and engaged can be the best resort. You should have all the entertainment devices packed beforehand. If you're into reading, carry your favourite book with you. You may also plug in your headphones, get lost in the musical nirvana, and feel every beat excites you as the bus moves.

6. Keep your composure:
Many things at play in a long bus ride can disrupt your peace. For instance, a crying baby, loud music, people, etc. The frustration of a tiring journey can outburst if you feel irritated by these disturbing noise sources. You need to find ways to remain calm and sane.

7. Stay hydrated:
It is essential to keep yourself hydrated throughout the long bus journey. Do not consume a lot of caffeinated drinks, as it can lead to discomfort later. Drinking enough water will help you stay fresh and energetic.

8. Book a sleeper coach bus if possible:
It is preferable to book a sleeper coach bus rather than a seater or semi-sleeper. Sleeper seats are convenient for passengers to travel with comfort and put less stress on their bodies. You can enjoy your small private cabin space in a sleeper bus and feel at home, especially when covering longer distances.

Although a bus journey can be very difficult to sit through, with proper planning, you can make things fall in your favour and, indeed, have a pleasant journey. The roads to beautiful destinations like mountains or countryside, among others, are magnificent in every possible way.

Sitting for long hours can develop boredom, health issues, and fatigue, but with the above tips, you can overcome all the stress and stay enthusiastic until you reach your destination. In all the hassle, it is crucial to prioritise your safety while travelling. As discussed earlier, purchase a good travel insurance by looking for general insurance plans to safeguard you and your belongings during the journey.

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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.

Having your vehicle is the best way to reach your destination, commute to work, or go on a trip, but sometimes the road traffic conditions become unfavourable. These situations arise for various reasons, such as traffic jams, accidents, faulty traffic signals, etc., and it's impossible to dodge such traffic woes.

But, as a result, some intolerant drivers display aggressive behaviour on the road and risk the safety of pedestrians and fellow drivers. Road rage is a common incident experienced daily, which is a serious issue to resolve.

Road rage can pose a threat to you, and you must follow various prevention tips to avoid it and drive safely. Also, you can save yourself from car damage costs by insuring your vehicle with the best motor insurance company in India.

Here are some of the best ways to avoid road rage and drive your vehicle peacefully and efficiently.

1. Follow road safety rules:
One of the main reasons for road rage is that people ignore road rules and regulations. Jumping signals, avoiding indicators while driving, or wrong-side driving can result in vehicle collisions. It also increases the chances of road arguments, fights, and sometimes worsening situations.
However, you must remember that you are not the only one driving on the road. When you take charge of the steering, you become responsible for your co-passengers and fellow drivers' safety. Even if another negligent vehicle is coming your way, you must let them go. Avoid trying to overtake them by keeping your ego aside and maintaining your cool.

2. Stay calm while driving:
Some drivers become aggressive while driving, leading to road rage and chaos. So, you need to know how to remain calm in such situations. If you stay composed and focused, it also helps to reduce panic and accidents. If you get trapped in a tricky situation, try not to get stressed or hyper. Refrain from getting into arguments with other drivers. Instead, try to handle the situation peacefully.

3. Maintain a safe distance from fellow drivers:
You must know the correct distance between your vehicle and others. Sometimes people ignore the safe distance and drive very close to other cars. When the vehicle in the front applies sudden brakes, and you do not maintain a safe distance, it will cause you to collide with them.

4. Manage your time:
You must know the importance of your time and manage it wisely to avoid the last-minute hassle. If you leave your home late to go to the office or anywhere, you will be in a hurry and drive very fast. Over-speeding and rash driving are leading causes of accidents and road rage. So, it would be best if you moved early to your destination to avoid the rush.

5. Ignore the person who tries to fight:
Some people on the road are short-tempered and always try to argue with other drivers. If you come across such a person, avoid road rage by ignoring him. Stay calm, have a smile on your face, do not get out of your car to settle the matter, and try to resolve your issue with apologies and move on.

6. Get your insurance:
It is mandatory to have motor insurance for every vehicle owner in India. It will protect you from car damage, mishaps, and undesirable situations. If you do not have a car insurance policy, you must buy one from the best motor insurance company in India.

Everyone wants to drive safely, but sometimes people misunderstand the right way of driving and engage in road rage. You must follow the tips mentioned above to avoid such situations and travel to your destination without chaos. Also, educate others with these tips to minimise the rising cases of road rages in India. Lastly, ensure that you purchase reliable insurance coverage for your vehicle from a trusted motor insurance company in India.

Click HERE to buy insurance from the best motor insurance company in India.

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

People from all walks of life have resumed their travel adventures after the stressful time of the covid era. They are back on the roads, taking long flights, camping, or extended stays at popular destinations to enjoy their holidays. For some avid travellers, travelling is not just a hobby but a way of life. It is the oxygen that lets them stay alive.

However, planning a vacation seems like a challenge knowing the changed interests of the travellers. There's much to be done, from booking flights to finding the perfect hotel room. Many people make wrong decisions while planning their vacation and regret it later.

One of the key features of a good vacation comes with a good hotel room. Your accommodation matters a lot. This is where you will relax and stay put after a long day of travel. You should make sure it is top-notch and fulfils all the criteria. If you're also struggling with finding the best hotel room for yourself, we have some tips to help you. Regardless, you should always sign up for general insurance if things go wrong during your travel. You should buy general insurance online before starting your vacation.

Here are a few top tips to consider while booking a hotel room.

1. Location:
Location is of prime importance when you book a hotel. You should always check where your hotel is situated. It should always be within walking distance or a 10-min drive from the prime locations of the tourist destinations. This way, you will not need to spend a fortune commuting from one place to another. Your hotel should be in the city centre, easily accessible by all public transportation. Whenever you book a hotel, make sure that you find its exact location. Often hotel booking websites have a brief description of the location. Before booking, you should use online maps to find its appropriate location and distance.

2. Internet access:
You may require a stable internet connection to access maps or book cabs. You will also require the internet if you're working on your vacation. For this reason, you should always check if your hotel has a Wi-Fi connection. And even if it does, it should be available in your hotel room. If Wi-Fi is listed, you should find out if it is free or paid.

3. In-house restaurant:
Most hotels now have an in-house restaurant for all your needs. You should check about the same before booking a hotel room. This way, you don't need to head out whenever you feel hungry. This can make your stay enjoyable. Enquire about it in advance before booking the room.

4. Type of hotel:
Before you book a hotel room, you should always find the type of hotel you are opting for. If you're with a family, you should not go for a budget stay and consider selecting the best one. It should also abide by family policies. If you're travelling with your partner, the hotel should be couple friendly. Check the type of hotel in advance before you book your stay with them. You can also book from different staying options like premium luxury hotels, boutique hotels, homestays, camps, glamping, and more.

5. Room size:
You should have a fair idea about the room size before you book the room. It makes a significant difference, especially when you are travelling with family and staying for a long duration. You should check on the hotel website before booking. You should also look at the bed size and if it abides by the number of travellers.

These are the few tips and tricks that travellers should consider while booking a hotel room. This can help you immensely with a smooth booking experience and a successful journey. Always go online, research multiple properties, their prices and amenities, and reviews, then make a final decision. If you want your vacation to go well, you should buy general insurance online to deal with mishaps later!

Click HERE to buy general 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.

Recently, the discussion about money management and growing wealth has taken centre stage. In the background of the pandemic, layoffs were causing concern while freelancing and remote online jobs boomed, providing people of all ages a chance to make money. Despite the opportunities and rising wages for specialised jobs, the risk of recession and inflation is still present.

In such an environment, simply making ends meet is not enough. Individuals need to save and purchase general insurance for future contingencies.
Saving and personal financial management may seem complicated. Still, with some planning and habitual implementation, you can make an emergency fund, plan for your wants and invest without compromising on your present or future aspirations!

1. Make your budget:
Our first tip would be to prepare a budget that makes you aware of your expenses and income. Your budget is a combination of your income and expenses for a period. Ideally, your income should be more than your expenses at all times, and it is recommended to have more than one source of income.
Once you have your budget, do not make excuses for your financial position. Numbers do not lie, and your reasons will not reverse your situation but can help you plan better in the future.

2. Set aside a savings fund:
Consciously putting aside money from your income as savings is difficult as the temptation to splurge on impulse shopping is at its peak when you first get your paycheck. To resist such temptations, set up a separate bank account for savings.
Schedule an automatic transfer from your monthly salary immediately after it gets credited into your account. This way, you don't need to take time and decide to save; it just gets done automatically!

3. Purchase general insurance:
If there's one expense you must undertake at all times, irrespective of your income and expenses, it is general insurance. General insurance covers your property, health, and vehicles against unintended harm caused by many factors.
The lack of a general insurance policy is bound to pinch your wallet as the burden of compensating for the damages ends on your shoulders. Online health insurance, travel insurance, motor insurance, home insurance, and commercial insurance fall under this umbrella. Some of these are tax exempt, which can help you reduce your taxable income and pay reduced taxes.

4. Consciously use a credit card:
A credit card is an excellent monetary tool that gets a lot of flak for being mismanaged by individuals with no financial discipline. Credit cards are instruments that facilitate credit-taking and make it highly accessible, which tempts many people and ends up leaving them in a cycle of debt.
If you lack financial discipline, immediately cancel your credit cards and dispose of them. If you have credit card loans, focus on repaying them as early as possible. Use a credit card to purchase items that you know you can repay within the month.

5. Pay recurring bills on time:
Services billed monthly, like electricity, internet subscriptions, etc., can become a significant expense if not paid before the due date. Often, people forget dues, and these dues snowball into a much more considerable amount than the original sum. If it is an unnecessary expense, consider cutting it out before it piles up. If you need it, try scheduling an automatic payment to prevent paying interest on dues.

Savings and financial planning are not habits that are developed overnight. They require conscious planning and continued discipline to build. However, simple tips like directing your income towards investments, and savings before considering expenses can help inculcate sound financial habits.

Insurance is an all-time favourite tax-saving financial instrument and a beneficial liability to undertake healthy life and manage funds smartly. A wise decision will be to purchase online health insurance or other general insurance plans to make the process less hectic and more rewarding. The more you value your finances, the better your lifestyle will be.

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.

What's better than enjoying a cosy winter afternoon basking in the sun? In India, winters have their charm. However, as the winter season descends, the temperatures can dip low from December to February. This means that you will find it difficult to wander outdoors.

But staying indoors can also become monotonous. It is all the more difficult for the elderly, who find it extremely difficult to step out. The weather is difficult for them, making them prone to various infections and health conditions like arthritis, joint pain, cough problems, and more.

The best solution to deal with it is by staying indoors. It is a month-long lockdown for them. So, how do we keep the seniors entertained and content at home? This article will give you all the answers that you are looking for. We have curated a list of the best indoor activities for the elderly.

While you create an atmosphere with all the indoor activities, you should always have the most affordable health insurance plans to keep you and your family afloat, especially the seniors.

Here's a list of the top indoor activities during winter for seniors.

1. Puzzles:
Puzzles are one of the best indoor games ever invented. They are not only entertaining and enjoyable but also great for the mind. They will help the seniors pass the time and make priceless memories with their families. You can engage them in jigsaw puzzles, crosswords, or sudoku. They are good exercises for the brain. You can also turn it into a family activity for added fun. It will guarantee moments of warmth and togetherness.

2. Knitting or sewing:
Knitting or sewing is an amazing indoor activity during the winter. It is not only productive but also helps in enhancing the motor abilities of the body. It helps in maintaining the hand-eye movements of the elderly. You can encourage them to pursue their hobby of knitting or sewing in their free time. Gift them a sewing kit to get them started, and try to knit with them to make them more valued.

3. Reading:
Reading is the best hobby to practise in old age. It encourages cognitive benefits. Reading diverse literature will also strengthen their knowledge and develop their imagination. What's better than losing yourself in the world of fiction during winter? It is a superb indoor activity for seniors. You can ask them about their genre of choice and help them select a book accordingly. You can also get them to join an online book club to discuss their book every month.

4. Cooking / baking:
Winters are for sweet treats distributed throughout the household. If your seniors are into cooking or baking, they can easily have a great time doing that. Cooking is a fulfilling yet productive activity that can keep one busy all day. The results also give them a sense of worthiness. You can ask your loved ones to treat you with baked goods during this festive season.

5. Painting / craft:
Winters are the best time to explore the Picasso in you. You can gift your elderly art supplies and see them unravel their creative side. You can encourage them to draw, paint, or create whatever they wish. It is a great activity for them to enhance their creativity and imagination.

These are some of the best indoor activities you can do with the seniors in your house. They will thoroughly enjoy doing these while they stay home during the winter. Regardless, you should always look at affordable health insurance plans beforehand for your family members. It is good to always look out for them!

Click HERE to buy affordable health 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.

If you are somebody who wants to invest in a scooter or a bike, you should first figure out if you wish to purchase a new or used vehicle. It will help you to narrow your searches by a large margin.

Not just that, buying a used two wheeler will also save you a significant amount of money. If you are a first-time buyer, you may not understand why a used vehicle can be a good option. In this blog, we will discuss a few reasons you should consider buying an old two wheeler rather than a new one.

Meanwhile, whether buying an old or new bike, understand that it is crucial to protect your vehicle with the best two wheeler insurance in India.

1. Getting bikes or scooters at half the price:
One of the main reasons you should select a used vehicle over a new one is the price difference. You will be able to get your favourite bike or scooter for half the price, making it convenient for you to get the best deal.
So, you should make a detailed list to narrow your choices and filter them as per your requirements and budget. Compare the offers of different dealers and pick the one that suits you best.

2. Getting in contact with the best dealers:
When you start looking for used bikes or scooters, get in touch with trustworthy dealers. Since several dealers are selling pre-owned vehicles, reputed dealers are the ones who have a wide range of well-maintained models with competitive prices. You can choose one that will fit your needs the most.
Not only that, but an experienced dealer will also ensure the two wheeler is safe and secure. If you select the best dealer, they will also provide you with other benefits, such as insurance, post-care services, etc. In addition, they will also help you acquire a bank loan for a pre-owned vehicle, if required.

3. Appropriate professional check-ups:
Good dealers have their panel mechanics who ensure that bikes and scooters are safe to drive before they go out on the road. Not just that, but they also examine the two-wheeler for rust and change the parts with new and genuine ones for an improved rider experience.
You may also ask them to look at all these improvements and alter them if needed at the time of buying. In addition to that, they will also assist you in taking the bike or scooter out on a test drive to determine if it is best suited for you.

4. Price negotiation is available:
If you are looking for a two-wheeler within a budget, it is best to opt for a used one since price negotiation is readily available. If you already know everything about the bike you want to buy, you can make an offer based on your budget.
Multiple dealers nowadays provide options to help you acquire the best price for your choice of vehicle. Because of this, it will be easy for you to save a lot of money in a short amount of time.

For novice riders, it is always a good idea to ride used two-wheelers and train themselves professionally before purchasing a new one. Used two-wheelers will give you better opportunities and options to go around and get your favourite bike home at affordable prices.

Whether buying a new or old one, it is important to purchase two wheeler insurance. It is mandatory by law to have insurance to ride legally in India. Buy the best two wheeler insurance in India and promise your two wheeler a reliable safety net.

Click HERE to buy the best two wheeler 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.

Is this your first time owning a bike? If so, you may not know how to detect a dying clutch. A clutch is one of the most crucial parts of a vehicle that connects and disconnects the engine to the transmission system.

It is one of the main working parts that needs your close attention. A malfunctioning clutch may cause serious harm to your vehicle.

Here are a few factors that can help you to detect if the clutch needs an immediate replacement.

1. The bike and the engine start at different speeds:
One of the main aspects that can help you notice a malfunctioning clutch is when your two-wheeler and engine start working at two different speeds. This is known as clutch slippage. You will be able to notice it when you start your vehicle and accelerate, it will run slowly, but the engine will be at high speed.
Since the friction in the clutch gets reduced over time, it becomes more challenging for the disc to hold on to the flywheel and pressure plate. It, in turn, makes it hard for the engine to transfer energy. You should pay attention to this symptom immediately, or it can lead to some major damage to your bike.

2. Reversing the gears becomes challenging:
The second factor that will make it evident for you to notice a dying clutch is when reversing becomes more challenging. In such a situation, you will not be able to get in or out of third gear, making riding comparatively worse for you. Since it only happens when your clutch is dying, it will help you realise that your two-wheeler requires servicing.

3. Clutch pedal makes noise:
When you depress or release the clutch, the clutch pedal starts making noise. You may also feel vibrations on your bike with shifting the gear, which might indicate a worn-out clutch. Not just that, but the clutch also makes a sound when the lubricant that helps it run dries up. Hence, you should get your vehicle checked by a mechanic to get the problem solved.

4. Clutch creates a burning smell:
Another factor that can help you spot the malfunctioning clutch is when it starts giving a burning smell. It happens when the slipping machine causes friction, which increases the temperature gradually.

5. Avoid aggressive downshift and riding on clutch:
Many riders have a strange habit of aggressive downshifting even when it is not needed or can be done better and more smoothly. These sudden and aggressive downshifts put pressure on the clutch system, and it gradually wears out.
Riding for a long time with a half-clutch pressed is not recommended. Use the clutch only at the time of gear shifting and avoid riding with the clutch engaged at all times.

6. Reduced fuel consumption:
Clutch problems significantly impact the mileage of your bike. A worn-out clutch puts pressure on the gearbox, further lowering the engine's performance due to the excess fuel required to generate power. This reduces the mileage of the bike and even impacts the quality of the engine over time.

Do you wish to drive in a way that will help you stay secure? If yes, you should take care of your bike's clutch regularly. One of the best ways you can do this is with the help of mechanics and regular servicing. Another proactive way to ensure your bike's safety is purchasing bike insurance online. Get affordable deals, enhanced coverage, and exciting benefits that make your life less stressful and financially sound.

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.

Diesel and gasoline both cost a lot of money. Each has benefits and drawbacks, and you'll find it challenging to choose the best car variant. If you compared them to one another, you would see that their prices are still very different from those of CNG. The winner is unquestionably CNG (compressed natural gas) every time!

If you drive a lot, CNG is cheaper and better for the environment in the long run. However, it does have an impact on your car insurance premiums. What and why?

Here is what you should know if you ever want to buy a CNG kit for your car. Determine whether owning a CNG kit will affect your premiums directly or indirectly.

Before that, let's discuss its benefits.

1. More efficient mileage:
The mileage of your car will significantly increase after the CNG kit is installed. Less fuel is required for the same distance than petrol and diesel. Additionally, CNG is less expensive than petrol by roughly 50% or more, getting you more saving on fuel.

2. More protection:
Need protection and good value? A safer option than gasoline and diesel is compressed natural gas (CNG). It is a good eco-friendly fuel option due to its low carbon dioxide emissions.

3. Real cost savings:
Although CNG kit installation involves a considerably high initial cost, you can easily cover it in a few months

The drawbacks of CNG are as follows.

1. Increases boot space requirements
The size of a CNG kit may take up most of your car's boot. Avoid CNG kits if you like taking long trips with a lot of luggage.

2. It's not always easy to find:
CNG is still not available at all the fuel stations. It implies that you'll have to wait in a huge line of vehicles when you need to refuel. The refilling process could take up to 15 minutes or more.

3. Licensing and convertibility:
The CNG fuel system only works with some cars. Before the equipment is installed, you must receive government approval. The Registration Certificate (RC) must be branded with a "fuel change" seal as part of a series of requirements.

How does your car insurance policy be affected?

1. Current insurance won't be enough:
There is still work to be done if you want to install a CNG system in your car. You might assume the current insurance coverage would be sufficient. However, it won't be enough. With CNG kits come higher maintenance and repair costs, the car insurance premiums also increase. The CNG kit must be listed on the vehicle's registration certificate to satisfy some insurance.

2. Invest more in premiums:
Insurance companies view CNG vehicles as of a higher risk. Liability insurance for your CNG vehicle would cost you an additional sum. Typically, the increase is between 4% and 5% of the cost of the CNG kit. The age and brand of your car affect the premium as well.

To insure the kit, you must have your car insurance policy's endorsement approved by your insurance provider. Your entire policy will be considered invalid if you don't complete it. Be prepared to give up your car insurance benefits if you choose not to insure the CNG kit! Always verify with your insurer before putting the kit in your vehicle. After receiving their confirmation, only then should you decide.

Click HERE to buy a reliable car 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.

The demand for passenger cars has continued to grow each year due to economic growth, the production of affordable vehicles, and driving convenience for the public.

However, with the rise in vehicle ownership, an inevitable increase in traffic and stricter rule enforcement have followed. It is essential to follow the rules to protect the passengers and the vehicle. For instance, purchasing a car insurance cover is one of the first things that you must do after buying a car to protect the vehicle from damages and reduce the financial burden on the owner. The car insurance price in India is reasonably set depending on usage, model, and engine cc and covers any contingent damages.

It is also essential to follow the rules laid down by the RTO. Often, car owners get their windows tinted, a practice restricted by the authorities. This blog discusses the issue and the consequences of not following the regulation.

What are window tints, and why are they needed?

If you are unaware of the term, it may be because your car does not come with pre-existing tinted windows. Placing a thin laminated film on the inside or outside of windows is common in automobiles and glass buildings, which results in tinted windows.

The thin barrier prevents harsh sun rays from entering the room or the vehicle, thereby minimising the heating. Since sunlight is known to penetrate glass easily, it not only heats the interior but may also cause damage to the seats or furnishings. Apart from sun protection, it provides the added benefit of privacy by minimising visibility from outside.

To sum up, tinted windows are a beneficial addition to cars since they protect the car's interiors from heating up, reduce the risk of damage due to direct exposure to sunlight and also provide passengers privacy.

Why does the RTO restrict the use of tinted films?

The RTO only allows a percentage of tinting that is permitted on laminated films for use on car windows. By following the limits, car owners can safely and legally protect their cars from the heat.

The significant risk of using tinted films is the reduced visibility to drivers. Driving requires the complete focus of the driver and the proper functioning of all his senses to ensure safety on the roads. Depending on the tint percentage, these films can severely hinder the driver's visibility and lead to accidents.

Are window tints illegal?

According to the judgement passed in 2012, the RTO has approved sun control films on windows that provide a minimum of 70% visual light transmission on the front and rear glasses. The side glasses must have minimum visibility of 50%. Some automobile manufacturers also provide the option of installing RTO-approved car glass films.

Penalty on tinted car windows:

If you install tinted films that are not following the RTO's guidelines, you may be fined INR 100 for your first violation. If found for the second time, the fine increases to INR 300. The subsequent breach is fined INR 300, along with the cancellation of the driver's licence. While tinted windows are not illegal, it is necessary to abide by the rules established by the authority to prevent one from getting into legal trouble.

Car insurance is a crucial investment tool that offers comprehensive coverage to the owner if the car gets damaged in an accident. Purchase one for your car by browsing through different plans online and looking for the best car insurance price in India.

But, not following the RTO-issued guidelines on tinted windows or road safety may cause you to encounter the rejection of your car insurance claim. Stay alert and avoid yourself from landing into any trouble.

Click HERE to check out for the best car insurance price 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.

Nearly 138 crores of the Indian population adhering to stringent traffic rules can seem daunting, but the benefits are surely rewarding. It is imperative to understand that these rules are in place to ensure the safety of citizens and exercise their rights freely without causing inconvenience to others.

Even with so many rules and regulations, many people face harrowing accidents and unfortunate defilement while travelling. It can be costly to deal with the expenses involved after an accident. With accurate knowledge and proper planning, one can counter these challenges with the seamless advantages of an insurance policy.

A motor insurance claim is a compensation provided to the insured by a motor insurance company. The compensation is paid for any damage caused to the insured's vehicle. The policyholder must pay a monthly premium to avail of the insurance benefits and get compensation for damage done to the vehicle and even to third-party.

Motor insurance is an efficient safety net to safeguard your asset and prevent your finances from draining behind the repair and maintenance work. It is important to keep your motor insurance updated and look for its renewal date. Never miss out on your motor insurance renewal. You can conveniently do online motor insurance renewal to save time and avoid your policy from lapsing.

Let's look at various types of motor car insurance claims available along with their requirements.

1. Cashless insurance claim:
This settlement process is the most convenient. You don't have to worry about expenses or vent your pockets for the repair work. The motor insurance company will clear all the bills associated with the respective vehicle, thereby giving you cashless benefits.

2. Reimbursement insurance claim:
You have to foot the bills by yourself, and the responsibility of filing for reimbursement is upon you. It can be daunting to keep track of all paperwork of repair, original bills etc. The documents required for claiming insurance should be thoroughly checked and filed accordingly. The claim can remain deficient if the necessary instructions are not followed.

3. Third-party claim:
This claim is enforced to seek coverage to the third-party liabilities. If any third party suffers damage from the insurer, it should be reported to the nearby police station and the motor insurance company. If the roles are reversed, the individual seeking claim must provide the vehicle and owner details needed to claim the insurance.

4. Own damage claim:
This type of claim is filed after the insured's vehicle is damaged in an unfortunate incident. The motor insurance company should be immediately notified where the verification and assessment of the damage will be done before paying the repair cost. The insurer must submit the required documents if a reimbursement claim is needed.

5. Theft claims:
This is raised when a car gets stolen. The initial step is to notify the police, the RTO, and the motor insurance company. Documents required to claim must be maintained and provided along with the car keys.

The following documentation is necessary as deciphered by the insurer:

1. In the case of accidents:

● The claim form with signature

● Copy of motor insurance policy

● Car registration certificate

● Driving licence

● FIR copy

● The bill estimated for damage repair

● Repair bill and payment receipts

● Vehicle inspection address (if no garage is mentioned)

2. In the case of car theft:

● Copy of insurance policy

● RTO theft declaration

● Police FIR copy

● Subrogation letter

● Car registration certificate and book

● Previous insurance policy details

● Any car-related items such as keys, warranties, booklets, etc.

● Forms 28, 29, 30 and 35

● RTO official intimation for theft

● Claim discharge voucher with revenue stamp and signature

3. In the case of the third-party damage:

● Claim form signed and filed

● Police FIR copy

● Driver’s licence

● Registration certificate and related documents

● A vehicle's original registration copy with the stamp

The police and the insurer must be notified about the mishap within 24 hours. The claiming process can become effortless and less complicated if the necessary documents are prepared beforehand. The owner must evaluate the entire situation before claiming anything for their vehicle. Every legal documentation in motor car insurance must be taken care of. Regularly schedule your online motor insurance renewal before the due date so you can avail maximum benefits and safeguard yourself by being a responsible citizen.

Click HERE to get online motor insurance renewal and protect your vehicle.

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.

There is no denying the importance of having the most comprehensive and cost-effective motor insurance policy that fits your needs and finances. Though in all of this, let's not forget that the insurance policy's premium can be affected by several things, natural disasters being among the most significant.

Since many readers seem to lack even the most fundamental understanding of how large floods might affect the cost of your car insurance, that's what we'll be discussing today.

When your vehicle is damaged in a major flood:

The first thing you should do after a flood is contacting your motor insurance company. They should make the necessary arrangements to restore your vehicle. Floods affect many people and their vehicles all at once, so you'll want to act quickly. It's important to file your claim immediately; the longer you wait, the more damage you'll likely incur. However, remember that major floods can make insurance companies slow down as the other drivers may be filing similar claims at the same time. This makes the claims process difficult for insurance companies.

If your insurance company provides a claim based on a flood, you may see your premium increase or lose on the NCB (No Claim Bonus) benefits. Most insurance companies won't increase the premium immediately, and also it may take longer for the claim to be cleared.

Methods used to calculate flood-risk zones:

Flood-risk zones are areas prone to frequent floods. These zones are often identified in the form of maps. There are many ways to determine a flood zone, and each type has its own conditions.

Flood insurance premiums are based on the probability that a vehicle will be damaged due to flood. The probability is usually between 0.2% and 1.0%. The risk to a vehicle's value depends on the location within the flood zone and the severity of the flood.

Effects of large flood events on premiums:

In the last decade, weather-related catastrophes have increased in frequency and severity, posing considerable challenges for the insurance industry. And the effects of climate change are expected to accelerate this upward trend, further affecting insurers' bottom lines.

Large flood events can cause motor insurance companies to reduce their payouts by reducing the number of claims they pay. Insurers also limit their payouts by restricting coverage for high-risk events. This, in turn, increases pressure on governments to invest in flood prevention and to provide compensation to those affected.

Floods are events that cause significant damage to vehicles, from expensive repairs to a total loss. They reduce the vehicle's value, and only comprehensive motor insurance can help you deal the best with these losses. If you reside in a flood-prone area, you need to consult your insurance company to see if they can cover the cost of repairing the vehicle. You may even consider buying add-ons like Zero Depreciation cover, Non-Claim Bonus (NCB), Engine protection cover, Roadside Assistance cover, and more to further lower the impact of flood damage and provide broader coverage. If you live in a flood-prone area, then you always need to be on your toes and up-to-date with safe and reliable financial instruments like insurance to make damages appear less daunting.

Click HERE to buy comprehensive motor insurance for your car.

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.

Financial education is a topic being discussed like never before. What was previously seen as a taboo is now being openly discussed in live conversations and on various platforms on the internet by an audience of different age groups. As modern-day parenting involves breaking down finances by providing the privilege and freedom money brings, children are not far left behind.

Insurance is a fundamental component of sound financial management, which must be introduced to kids early. You can set an example by discussing different insurances with your child in simple words.

Why should you discuss insurance with kids?
You may wonder why discussing insurance with kids is of significance. Simply put, insurance is a mechanism that provides safety cover and teaches budgeting and saving, which are essential for efficient money management. People who have not been exposed to insurance at an early stage tend to take it for granted and realise its importance after reaching their 30s or 40s, when insurance providers hike up premiums, making insurance expensive.
By teaching your children the benefit of insurance, you are making them aware of contingencies, being prudent, and taking covers to monetarily protect themselves from any damage to their property or health. When taught at such an impressionable stage, concepts tend to stick for a lifetime and help in making conscious decisions relating to money.

How to bring up insurance with kids?
Insurance is a complex yet essential instrument that provides safety against contingencies in the future. While necessary, it wasn't easy to understand and pick one for your needs before digitalisation. However, the internet's plethora of resources makes it accessible to all. For example, you can buy your two wheeler insurance online India and show your children the complete process and its benefits.

1. Make use of your kid's prised possessions to pique their interest
Drawing and retaining a child's attention is challenging. However, you can easily explain different insurance types to children using what they hold dear- toys. Insurance protects what matters most from unintended damage. Use this concept to get your child's attention. Insurance discussions with children do not have to be formal and provide the best results when introduced naturally.
Playtime provides the best opportunity to introduce insurance. Using imaginary scenarios and functional characters, you can use them to explain the unpredictability of the future and the need for a safety net.

2. Use of digital resources:
Recently, resources like online courses have seen a rapid increase in demand. Similarly, online creators on platforms cater to simplifying finance for non-specialists, and a specific niche for kids is also developing. Since kids of this generation occupy the maximum screen time, it becomes easy to introduce financial habits in uncomplicated terms through visuals and digital content.

3. Involve your child in making financial decisions:
Choosing where to spend your money is essential to building an ample savings amount and helps determine the individual's financial acumen. Once you have introduced the topics to your child, give them a weekly or monthly allowance of a minimal sum that is enough to purchase a small value item like a snack, and then ask them where they would prefer to direct the balance amount.
You can guide them to invest their money to safeguard their valuable assets like their two-wheelers by researching themselves and investing in the two wheeler insurance online India. Let them know the wonders insurance can have in one's life due to its seamless benefits. This way, your child will gain practical exposure in a controlled environment.

Financial literacy is not obtained overnight and is a healthy discussion that should be initiated at the earliest stage possible. It allows for a greater sense of responsibility in children. The best way to inculcate this habit is through regular discussions about savings and managing wants and needs.

You might give your child a pretty bike or a scooter once they cross 18 years of age. Still, your next step should be advising and motivating them to self-understand the importance of crucial financial investments like insurance. They can start by using the internet for their analysis and learn to invest in two wheeler insurance online India not just to safeguard their asset but more to learn the power of smart investing!

Click HERE to buy two wheeler insurance online India.

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

In a country like India, a two-wheeler is one of the convenient options for commuting. It is affordable and preferred by the majority of people. As the cost of fuel prices is soaring high, two-wheeler has become people's favourite. Most people in India prefer a two-wheeler for all their travel needs.

However, an average Indian family consists of a minimum of three members, which makes it challenging to travel by road on a two-wheeler. A two-wheeler is designed to keep the needs of two people in mind, and using it for triple riding can be dangerous. When three people travel in a single vehicle, the risks increase manifold.

In this article, we will discuss why triple riding in India is a violation and should be avoided.

Furthermore, you should always have 2 wheeler insurance to help you tide over unwanted circumstances. It will ensure the safety of your vehicle at all times and prevent it from any financial harm during emergencies.

Why is triple riding prohibited in India?
Whenever roads are heavily congested by traffic, things ought to get complicated. India is no exception. It is the second most populated country that still lags in road planning and spacing. This leads to numerous road accidents daily. Henceforth, to tackle this problem, the Indian government has come up with a set of stringent traffic rules and regulations, including triple riding.

The main traffic rules related to triple riding via a two-wheeler are:
● Only two people, including the driver, should be allowed to sit on a two-wheeler.
● Both driver and pillion rider should be wearing helmets while riding.

If these two strict rules are not followed:
● You will be liable to pay a fine of up to INR 1000 to the traffic police. The fine rate can vary according to the state you live in.
● You may be prohibited from holding your driving license for up to three months. This means that you will not be able to drive around at all.

Why should triple riding be avoided?
Tripling has become extremely common in India. It is as common as jumping traffic lights or not wearing a helmet. Most people do not seem to care about the repercussions when they consider tripling.
Additionally, the bikers who opt for tripling are not only putting their lives at risk but also endangering the lives of others on the road. A two-wheeler is meant for two people and is mechanically incompatible with bearing the weight of three. This can damage the vehicle in the long run or cause problems at any time.
Mostly young riders of 18-25 years of age are spotted triple riding. They put their lives in danger without being aware of the traffic rules and the severity of the offense.

Triple riding is a regular sight in India. The government should make strict rules and levy heavy fines on riders who break the traffic rules. People try to overlook the consequences of tripling and consider it as a fair option for commuting, especially to travel short distances. Know your responsibility and act wisely when riding a 2 wheeler. Also, you should have 2 wheeler insurance so that there is no financial loss that you have to bear if you meet with an accident.

Click HERE to buy 2 wheeler insurance to keep your vehicle protected at all times.

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.

There is nothing as fascinating as travelling, which allows you to explore new and exciting places, meet new people, identify their culture, try diverse food, and discover local music.

As a traveller, you always want to have a travel experience that is hassle-free and free from any problems. The more problems you encounter on your trip, the less enjoyable it becomes. Tourist traps are one of the major issues that tourists face on their trips. Many scammers and fraudsters roam at these tourist places, trying to scam travellers. This can make your journey unpleasant and uncomfortable.

To avoid such a problem, you should always stay alert and follow certain things that will help you dodge tourist traps. The first layer of safety can be ensured by researching and investing in the best general insurance plans.

The tips and tricks to help you deal with tourist traps are as follows.

1. Blend in well:
You must not look or do the deeds of a tourist. This will make you stand out from the crowd. In this way, you're likely to fall prey to tourist traps. To avoid this, you need to blend well with your surroundings. If it is a new place that you have not visited earlier, do some research in advance. Be aware of the dressing style of the locales and dress accordingly. You should always dress in outfits to camouflage your surroundings and avoid unwanted attention.

2. Go local:
Instead of relying on your guidebook, go for a local option for dining in the city. The fancy and posh restaurants that your guidebook and brochure suggest are often too pricey and not up to the mark. They offer mediocre meals at high rates. You are likely to spend a fortune and then end up with nothing. Hence, it is recommended that you dine locally at cafes and restaurants. Explore nearby areas and discover hidden gems that will satiate your taste buds.

3. Go during off-season:
Although the tourist season is attractive, it has its set of worries. It will leave you with more headaches than you can fathom. From spending more money to getting bad deals, the prime holiday season is a waste of time. If you want to explore a place in peace, then go during the off-season. You will also be saved from tourist traps!

4. Use public transport:
Instead of opting for cabs or taxis, take the train, subway, or bus. You are likely to avoid tourist traps this way. It will also ensure you save a ton of money when taking the bus. If it is possible, walk to nearby distances. There's nothing as fascinating as exploring a city on foot.

5. Don't trust strangers:
When you're in a new city, a large number of people will want to interact with you. They will offer to take your luggage, give you directions, or even offer you a taxi or auto ride. However, you need to be extremely careful in such situations. It is often advised not to interact with such people as they're always looking for a chance to earn more money from fellow tourists. They can also charge a hefty fee for their services or even run away with your luggage in worse cases.

With this being said, you must take all the possible measures when you travel to a new place. You can easily fall into a tourist trap and lose your money and belongings. As a traveller, you would always want to carry good memories rather than stress when you head home from a destination. Invest in the best general insurance plans in advance to avoid problems during your trip.

Click HERE to buy the best general insurance plans and protect yourself while travelling.

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

What is the first image that comes to your mind when you hear of outdoor adventures? The most popular thought associated with the idea is likely to be camping, an offbeat experience that tastefully connects nature and adventure.

Camping is a solo or group adventure popularised by the West that involves outdoor overnight stays in unfamiliar terrains to enjoy the beauty of untouched nature. While it is an experience like no other, camping does involve a lot of effort and adjustment to make the stay enjoyable.

Camping has always been a top choice for avid travellers and adventure enthusiasts, but a new activity that interests everyone is glamping. It is a perfect introduction to camping that brings together luxury to the wilderness, making the experience pleasant and more premium.

Read on to find all about the trending activity, where you can find glamping sites in India, and whether it is covered under general insurance plans.

What is glamping?
If you need a break from your hectic life and wish to explore the wild without putting in too much effort, glamping is the ideal outdoor activity for you. It is a simple mix of glamour and camping. Depending on your budget, you can opt for a high-end camping stay set amidst a picturesque outdoor setting.

Are there any risks associated with glamping?
When you look past the glamour, there are several risks associated with glamping, just like camping. You may damage your property or glamping equipment, lose your luggage or face health issues on the trip. We strongly advise you to contact your insurance provider to confirm what damages are covered in your general insurance plan and clarify your queries to ensure that you have a cover to bank on in case of any unfortunate incidents.

Best locations in India to experience glamping:
Glamping is an activity that garners the interest of young and old alike. But where exactly in India can you enjoy this adventure? Here are the best locations for a quick glamping trip.

1. Jaisalmer:
Also known as Golden City, the city in Rajasthan with expansive deserts is an excellent place to go glamping. With luxury camps pitched in the desert, it makes for an experience like no other. Glamping companies also tie up with other entertainment providers to provide sightseeing and local experiences as a part of the package, making the trip worth the price.

2. Ladakh:
Ladakh makes for an exquisite glamping location. You can enjoy the rustic beauty of Ladakh from your luxurious tents without making any compromises. Although placed in the middle of nowhere, the tents have all the amenities to make your trip comfortable and enjoyable.

3. Goa:
The popular tourist destination for a quick getaway is unsurprisingly great for glamping. With beaches, moderate temperatures, and top-notch entertainment, Goa is the best place to kick back and relax. While there are several luxury tent providers, you can decide to have a minimalistic glamping trip by using your car as your tent.

4. Kerala:
Kerala's pleasant temperature, idyllic scenery, and slow pace of life set a great mood for glamping trips. The vast range of biodiversity in the state provides an opportunity to engage in activities like trekking, sightseeing, and boating. Known for its hospitality, you will have a relaxing glamping trip in Kerala.

5. Darjeeling:
Sprawling tea estates, widespread greenery, and long trails in the thickets of the forest make Darjeeling an exotic vacation hotspot. A glamping trip in Darjeeling is peaceful and gives time to reflect and escape the everyday bustle of life.

The topographic diversity of India makes most regions great for glamping. Based on your preferences, you can escape the mundane activities of life and take a quick trip to a coast side, hill, or desert and enjoy a rustic break.

Irrespective of the location, safety is a factor that must always be considered while planning for a trip. Investing in safety means investing in happiness. The best way to do so is by ensuring that you and your fellow travellers have general insurance plans that cover any potential accidents.

Click HERE to buy the best general insurance plans to make your glamping trip safe and more enjoyable.

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.

River cruises are one of the best ways to explore the country's backwaters and serene pockets with a mesmerising experience. Although it makes for an offbeat vacation, you will carry a bag full of memories on your way home. If you are into nature photography, this vacation will be a haven for you.

From the lush green surroundings of Kerala to the unexplored islands of Andaman, there's a lot to explore and discover as you go on your river cruise.

*Pro-tip
It is advisable to stay safe and secure in your journey, as you'll always be amidst waters. Buy an insurance policy online before you embark on your journey.

Let us walk you through all the possible travel destinations available via river and sea cruises in India.

1. Sunderbans:
Located in West Bengal, Sundarbans form the largest mangrove forest in the world. It is not only large in terms of area but also very captivating as the river cruise takes you through the pleasant delta of the river Brahmaputra. You'll be bestowed with the most picturesque landscapes when you undertake this journey. You're likely to spot numerous flora and fauna as you explore the waters of Brahmaputra. You're likely to spot monkeys, crocodiles, leopards, wild hogs, kingfishers, and Bengal tigers, among others.

2. Kerala:
The river cruises serve as one of the most exciting ways to explore the heart of Kerala. Being a state that is blessed with lush green surroundings and pristine backwaters, Kerala is a haven for nature lovers. While on a backwater cruise, you will feel closer to nature. You will also get a chance to look closely at the state's influential culture. The cruise guarantees you the journey of a lifetime. You can enjoy the fantastic surroundings of Kerala in comfort, luxury, and space. You will also be able to try authentic South Indian food on the cruise.

3. Goa:
There are many ways to enjoy Goa's fun and frolic life, but you must've never thought about spending time on a river cruise. Goa is bestowed with the beautiful Mandovi River, which can be an ideal place for a river cruise. The atmosphere on the cruise is always upbeat and lively. While you immerse yourself in Goan delicacies, you'll be presented with the scenic landscapes of Goa. It is a joy in itself.

4. Andaman and Nicobar Islands:
Andaman and Nicobar Islands is one of India's most stunning places to visit, allowing tourists to explore the unknown. The sea cruises of the islands are grand, elegant, and classy in every possible way. You will be bestowed with naturally green, serene, and exciting surroundings. Apart from that, the cruise is also well-adapted to fulfil all your needs. The amenities present on the cruise are world-class and adapted to the varied tastes of travellers.

5. Assam:
North-east India is a hidden gem of the country blessed with breathtaking views. The Brahmaputra River runs far and wide in this area, allowing tourists to explore it on a river cruise. A river cruise will open doors to several scenic locations like Kaziranga National Park, Majuli, and Guwahati. It is one of the best ways to bask in the glory of Assam.

Vacation cruises are one of the most delightful ways to explore India. It will allow you to look at the surroundings closely and collect lifetime memories. However, it is suggested that you always ensure your safety before setting out on a journey. Buy insurance policy online while booking your tickets, and be rest assured of your belongings and travel safety.

Click HERE to buy insurance policy 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.

Do you often hear your employees nagging about how team-building activities are childish? Then, it's high time to drop the regular events and gear up for jaw-dropping adventures.

The whole point behind organising these events is to make the team creative and shed light on aspects like leadership, etc. This is the best way to energise the team and find great leaders. The more stress-free the environment is, the more productive the employee will be.

Often, excruciating projects affect the creative perspective of the team. Engaging in sports will cultivate mindfulness and creativity. Stay tuned till the end, and strike down boring ping-pong tables, regular parties, hackathons, etc., because we've got something interesting!

Still not convinced? Take a look at this blog; we will cover some of the mind wrecking adventures.

1. River rafting adventure:
For an exhilarating day, river rafting is highly advised. Water games always tend to be an ideal release of stress. The interpersonal relationships make the river rafting adventure fun and leave memories that last forever. This helps to build trust among the group where all team members in the raft paddle in coordination and motivate each other to put in their best efforts.

2. Paintball army:
Adventure sports are the thrills most people want to taste once in their lifetime. And this is the one that brings out the adventure seeker and the curious kid in everyone. All you need to do is make separate army troops and establish a real-life war zone.
And before you know it, you can build a strategic thinking and warrior mindset. The very fabric of teamwork is what makes the team win over here. Get ready to take charge of the paintballs, hunt down your targets, and spend a thrilling day enjoying yourself.

3. Get the adrenaline pump:
Would you drop down the chance if allowed to go on a group cycling in difficult terrain? Sounds exciting, isn't it? Rock climbing, paragliding, trekking, and many others are hands down amazing mental and physical puzzles. This develops the risk-taking mindset and gives employees a much-needed break from their work routine. Pick spots that offer these adventure sports and plan a day out to savour nature's unparalleled beauty along with the intensity of heart-throbbing adventures.

4. Turf tournaments:
Every person brings a different competitive edge to the table. As an employer, you need to set a perfect environment without fear of failure. Nothing other than a game of soccer or cricket can manage to build teamwork. Suppose you have 30 employees; you can create 5 to 6 teams and play an internal tournament on turf pitches. Everyone will strive to bring home victory by focusing on one common goal by keeping sportsmanship as their priority. In this process, they will realise their strengths and build a mindset of understanding each other. So, naturally, instead of performing well individually, they will accomplish tasks working together

5. Escape room:
Here's the last one on the list. While it may not be an outdoor game, it's hands down the best pick to escape real-world problems. Picture this: Getting tossed into a room with challenges sounds exciting. And remember, all of this while the clock ticks off. When this is done with the entire team, it enhances collaborative leadership and strategic thinking.

These adventures are not just a medium of entertainment but also a useful resource to energise the employees and encourage them to perform tasks in unity. Rewarding your employees with such exciting breaks once in a while makes them feel valued and allows them to indulge in less mundane and more enthusiastic activities.

But remember that any adventure is enjoyable only when safety is assured. Accidents come uninvited, but a comprehensive personal accident plan can make up for the damages done to an individual due to a mishap and compensate for it without the policyholder worrying about the finances. You may seek affordable health insurance plans to get comprehensive coverage against mishaps. This way, you can focus on enjoying the adventures with happiness and vigour.

Click HERE to buy affordable health 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.

The majority of air passengers are constantly searching for window seats while flying. While some travellers curl up in the corner and have a good snooze, others choose window seats to take in the clouds and the gorgeous views from the little window. Although the justifications vary from passenger to passenger, everyone still enjoys sitting by the window.

Additionally, one may lean the resting head against the sidewall of the aircraft to provide additional support for sleeping. Comfort is undoubtedly greater with a window seat.

Listed below are some tips for securing a window seat when flying.

1. Request at the check-in desk:
When you get your boarding card, check with the check-in counter staff to see if a window seat is available. The airline staff will accommodate you. Alternatively, check-in at a self-service kiosk and verify the flight's seat availability before printing your boarding card. Select a window seat if one is offered.

2. The cancelled tickets are very beneficial:
If you haven't chosen a seat yet, you may check it at the airport on the day of travel. You can find a seat because some passengers cancel their reservations at the last moment, which allows you to grab your ideal window seat.

3. In the absence of a window seat:
Don't be dismayed if all of the window seats are already taken. Most airlines allow customers to keep managing their reservations. If a window seat becomes available at a later time, you have the chance to switch to the window seat.

4. Consult the boarding gate agents:
You must exercise extreme patience to complete the following hack. Arrive at the airport early and contact the gate agent. Inform them that you would prefer a window seat and ask if they could assist you. The crew and gate officials often ignore that passengers have failed to board the plane until it is too late. If any window seats become available, these people can assist you in obtaining them.

5. When you book, pick your seat:
Most airline websites and booking tools allow you to select a seat when you make your reservation. The majority of the time, this procedure is cost-free. However, certain airlines charge more for reserved seats. When the time for your journey draws near, and you still can't find a seat you want, recheck your reservation to see if anything has changed since then. If you're unsatisfied with your online choices, give them another shot at the airport, either at check-in or at the gate.

6. Once boarding is done:
Wait until the plane doors are shut if you still can't get your preferred seat. You can move to a vacant window seat. Nevertheless, before settling into an empty seat, ask a flight attendant.

7. Ask a passenger for assistance:
Asking another passenger to switch seats with you is not harmful. They probably will be okay with it if they plan to nap during the flight. Manifest a strong desire to sit in a window seat. The other individual will accommodate you if they believe this is your first flight.

Before you pay for your ticket, if it was purchased through a travel agency or over the phone, ask for a window seat. Or, obtain your favourite seat by completing the online checkin process. Also, one must have general insurance coverage while travelling, and getting one may be done quickly and easily online by following a few simple steps. Buy insurance policy online and secure your travel and ensure yourself a happy journey.

Click HERE to buy insurance policy online.

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

The strict implication of rules and regulations in a densely populated nation like India is required to maintain law, order, and discipline. Several rules have been laid down over time and are also ever-changing, with constant reforms.

But, due to the lack of awareness of the existing traffic rules, most people suffer losses in terms of fines on the road. When you end up paying fines on the road, you're causing a financial and ethical loss to yourself. It can be easily avoided if you have a better knowledge of the country's traffic rules.

If you lag in keeping up with traffic rules and regulations, then you'll benefit from this article. Regardless, we suggest you stay up-to-date with your insurance so that your vehicle does not undergo any damage. Book your calendar in advance for your car insurance renewal so that you don't have to face the discontinuity of your policy.

Further, we will highlight some of the country's lesser-known traffic rules. They will help you save up on fines and stay informed while driving on Indian roads.

List of some lesser-known traffic violations in the country:
1. You violate traffic rules if you have tinted glasses on your car, truck, or van. You are entitled to a fine of INR 100 or more, and your licence can also be suspended. Various State Governments first ordered the removal of tinted glasses. The rule is extremely strict, and it does not spare anyone.
2. All the big cities like Delhi, Mumbai, and Bangalore have a rule of mandatory silencers in all vehicles. If your vehicle does not have a silencer, you are likely to pay a fine of about INR 10,000. This has been done to keep the noise pollution levels in check.
3. If you use high-beam headlights at night, you are likely to pay a fine of INR 500. It is done keeping in account the increasing number of road accidents due to the use of high-beam headlights at night. It is considered extremely dangerous. On the contrary, if you are found driving without headlights at night, you also have to pay the penalty for it. Ironical yet true!
4. Smoking inside the car is prohibited in India. If you're found guilty of this, you'll have to pay a fine of up to INR 500 for the same. The act of smoking is harmful to the driver as well as the co-passengers.
5. In most metro cities like Kolkata and Chennai, it is necessary to have a first aid kit in your vehicle at all times. Failure to produce one upon inspection can result in a fine. It was done to ensure the safety of the driver and the vehicle's passengers. It is also mandatory to follow this in the case of new vehicles.
6. The use of pressure horns is liable to be fined in India. If you have installed a pressure horn in your vehicle, you might have to pay a fine of about INR 1,000 or more if stopped by the police.

All drivers in India must remember these lesser-known traffic rules when they hit the road. It will save a lot of time, effort, and money. Further, it will ensure your safety and prevent you from getting in trouble. It is crucial to abide by the traffic rules and encourage others to do so. Keep all your documents up-to-date and handy, especially the PUC and car insurance. You should never miss out on your car insurance renewal. Take charge of your role as a responsible driver.

Click HERE to get car insurance renewal done instantly.

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.

Nothing beats the peaceful enjoyment of a long solo drive. With the weather being nice and pleasing, it is the perfect time to plan a solo car trip to detox from the busy lifestyle and the city hustle.

But with the fun aspects of solo trips, it is also true that solo travelling is somewhat unsafe since you are going long distances all by yourself. It is crucial to acknowledge the perks of car insurance India can be beneficial during emergencies.

So, to make your travelling experience more enjoyable, here we have eleven safety tips for long-distance driving.

1. Remember to take frequent breaks:
A long drive can be entertaining but also exhausting. So, remember to take breaks from driving, get out of the car, stretch out your muscles, have quick snacks, and hydrate yourself.

2. Be careful with your luggage and cash:
When you're on a solo trip, you are basically on your own with the security of your belongings and valuables. Make sure you lock your car when you move out for a refreshing walk.

3. Interact with the local people:
Local people are the best way to know more about the place you are travelling to. Be kind and interact with the locals so they can help you have a safe journey while making your trip more memorable.

4. Have good knowledge of the policy of car insurance India:
Danger never comes with warnings. So always ensure that you cover your car under a legal insurance policy.

5. Be safe with your routes, but don't be afraid to explore:
When you're on a solo trip by car, you always have to be extra careful with the route you're taking for your adventure. While it is necessary to remain safe, don't be afraid to explore the local attractions of the places you travel and enjoy their authenticity.

6. Prepare yourself for anything unfortunate:
While travelling solo, you should always be prepared for the worst. Always carry pepper spray and/or a safety knife with you. Cases of solo travellers being attacked are common, especially in isolated places. Try staying in places where the network is working, so you can always contact the emergency services if you need to.

7. Educate yourself with the basic knowledge of the regional language:
If your destination has a predominant language, it is best to learn some basic phrases in their language so the local people can help you out in case you need them. Simple phrases like greetings, help requests, etc., should be in your vocabulary for a safe travelling experience.

8. Don't blindly trust strangers:
The age-old advice of not trusting strangers is a legitimate one. You can never predict people's true intentions, so while it is good to be nice in general, don't trust everyone you meet on your trip.

9. Don't eat or drink from unverified sources:
Being on a solo trip to foreign destinations will require you to be properly informed and careful with everything the place offers. So, for the sake of your safety, do not eat or drink from places that seem suspicious or unhygienic.

10. Follow a modest dress code:
While it may not be an issue in some places, it is always important to dress modestly if you plan to go on a solo trip somewhere unknown.

11. Have your entertainment sources with you:
While solo car travelling adventures are always fun, things can quickly get boring. So have a playlist of your favourite music to groove and enjoy your trip even more. Books and magazines are also a great way to entertain yourself during breaks.

We hope your solo travelling adventure is refreshing, entertaining, and safe. Prepare a quick checklist and note down all the crucial tasks to make your trip convenient. Start with taking your car for servicing. Pack light, do not stuff your bag with unnecessary things, and most importantly, carry a first-aid kit. Have all the required documents like driving licence, PUC, car insurance India, etc., handy with you. Keep these tips in mind for a better experience, and lastly, have a safe journey!

Click HERE to buy car 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.

If you are somebody who has a car, you already know how helpful and convenient it can be. It will help you get anywhere within a short time effectively. Not just that, you should know how to park your car correctly to keep it safe and protected.

However, many people worldwide find it intimidating to park a car correctly. If you are somebody who does not know how to park and always finds it challenging to have proper judgement, look closely here at a few tips to help you park your vehicle perfectly.

1. Find an appropriate space:
The first thing you need to do when parking your car is to look for the best space in the parking lot or area. You should keep in mind that the place you are choosing must be big enough to fit your car so pay attention to that. You may also notice the movement area to ensure you can get in and out of the space without difficulty. This will help you keep your vehicle safe.

2. Check your surroundings:
The second thing you need to do when parking your car is look at the mirrors on both sides to check your surroundings appropriately. Carefully figure out if there is any person or car behind or around your vehicle, regardless of whether you are reversing or parking. Checking allows you to ensure nobody is getting hurt in any way. As a result, it is one of the most vital tips that will help you park without further challenges.

3. Position the vehicle appropriately:
The third thing you may do to park your car efficiently is to position your vehicle accordingly. An ideal angle will make it convenient for you to put your car in the spot in a short period. Not just that, it will ensure your car is safe from scratches and dents.

4. Keep enough space on the side:
The last thing you can do to park your car safely is to keep enough space on both sides. This factor will help you open and close your door without hitting any object or person. It will also make it convenient for you to get in and out of your vehicle without the hassle. It also reduces the chances of accidents by a wide margin.

Although parking may sometimes be challenging, you can do it effortlessly with the help of these tips. You should read them thoroughly to acquire the best guidance into the matter. You may also speak to a driving school if you want to obtain more information or practice before using them on your car.

Parking your car appropriately is crucial, and a skill, especially in crowded places where finding the right spot and making your way to park the car may seem like a mission. Perfect car parking can keep your car protected from accidents, thefts, and getting towed while you are away doing your work or shopping. On a safer side, you may prefer parking your car in the dedicated or private parking lots in the malls or public areas with a pay-and-park system. You should also buy online car insurance for additional protection from untimely and severe mishaps that can cost you a fortune.

Click HERE to buy online 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.

India is a country with diverse topography, culture, and people. Since the urbanisation boom, most of our population has shifted from villages to cities in search of opportunities and better lives.

Recent trends indicate a welcome change as the increasing number of people are opting for village tours to experience rural life in stark contrast to the everyday bustle of the cities. These village tours help support the rural economy and boost tourism.

The unparalleled experiences in remote villages are an experience like no other. These tours provide a glance at everyday village life, including the local cultures, food, and lifestyle. These experiences can significantly change the way we perceive life.

What to expect from village tours?
Village tours are a great way to get an idea of what village life looks like for a short period. It is an immersive experience where you can interact with villagers and be amongst the common folk. You can feel the sense of community engagement while enjoying the pristine rural background.
Some tours also provide a luxurious experience through well-built camps equipped with all the requisite amenities. However, as you are stepping into a lifestyle unknown to you, it is best to be prudent and insure yourself and your fellow travellers. If you do not yet have a travel insurance policy, you can consider purchasing online general insurance that covers accidental mishaps.

Following are some of the best villages tours in India;

1. Kutch:
The white desert in Gujarat is home to several villages where they continue to preserve and exhibit their traditions, culture, and handicrafts. While the desert has plenty to explore, the villages provide an opportunity to live in clusters of mud huts and engage in the daily activities of the Kutchi people.

2. Punjab:
Punjab is an ideal place to experience village life. With a majority of people engaged in agriculture and allied activities, the hospitable villagers of Punjab are great hosts for facilitating this experience. One can experience tractor rides, farming activities based on the season, and learn more about their culture. All of this can be done in vast fields with clear skies in the backdrop- how much better can it get?

3. Wayanad:
The district at an altitude is home to some of the oldest tribal villages. The North Kerala cuisine, coffee plantations, bamboo handicrafts, and workshops are highlights of visiting the villages of Wayanad. Depending on the season, you can try your hand at working in the vast plantain orchards and coconut plantations.

4. Spiti Valley:
Spiti Valley is a cold desert in Himachal Pradesh with small villages spread over the region. Although the villages are sparsely populated and very remote, they provide a unique experience. The unfamiliar surroundings in the mountains may seem cold, but the warmth of the people makes up for it.
The locals are excellent guides to take you sightseeing and can help make the most of your trip while bonding with your hosts.

5. Sunderbans:
Known for being the land native to the Royal Bengal Tiger and swampy marshlands, several villages are located in the Sunderbans. Walks in the villages, exploring the mangroves, and basking in the humid climate are what your days would look like on a village tour to Sunderbans.

Irrespective of the village you choose to explore, you will be greeted by enthusiastic and hospitable hosts who will do their utmost to make your stay enjoyable and comfortable. Your hosts will ensure to engage you in a trip that will leave you feeling like you're amongst them without missing out on any luxuries or facing any inconveniences.

Our only tip to you before you book your trip would be to look into the terrain and climate and pack accordingly. Be aware of the risks associated with the area you're visiting and ensure that your insurance covers the same. If not, you can always buy online general insurance that can keep you protected at all times.

Click HERE to buy online general insurance plan.

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.

Have you ever attempted to start a cold engine? It will be challenging to start carbureted engines like those found in motorcycles. Choking will play a crucial part in this. A motorcycle choke can act as an excellent tool and a saviour in a situation where you struggle to start your bike by the conventional method.

Let’s understand how choke functions and how you can use it optimally.

What is a motorcycle choke?

The choke is a crucial component of bikes with carburetors. The air-fuel mixture is composed and fed to the engine mechanically or manually in motorcycles with carburetors through the choke.

A motorcycle choke is basically a pulling lever fastened to the carburetor. It can be mounted on the front panel, the handlebar, or both, but it remains connected to the carburetor via a cable. Wherever the lever is positioned, it instantly operates a carburetor valve and the entire choke assembly.

Role of a motorcycle choke.

Pulling the choke lever out to start a cold engine was once considered necessary, especially in the morning. You might not need it as regularly during summer, but in winter, it is occasionally required to lift the lever each time the engine starts. The choke lever increases the fuel ratio in the air-fuel combination immediately.

In a carburetor, the choke lever opens or closes a valve or gate to regulate the air or fuel that goes into the mixture. This aids the engine in gaining enough power to make the bike ready to use.

The choke's failure warning signs.

Several typical indications of a failing choke are listed below:

● Difficult start

● Excessive smoke produced after the engine has started

● The engine stalls after starting

Even though the choke is working, if the engine is difficult to start, there may be a problem. Either the choke is not closing all the way, or the fuel is being cut off. Check if the choke opens and closes effectively because excessive fuel utilisation is another effect of a broken choke.

Excessive fuel use will also result in smoke from the exhaust pipe. The engine's continued operation demonstrates the choke's effectiveness when engaged. The linkage could be incompatible if the choke is not working correctly.

How can choke longevity be guaranteed?

The constant usage of the choke can result in its wear and tear over time. The choke wire may also become ineffective if it is not used frequently.

To ensure longevity, keep the following in mind:
1. Access the area where the cable attaches to the choke plate.

2. Spray the cable and open the choke to get the lubrication into the joint. If done repeatedly, it increases the choke's lifespan.

3. Keep the air filter and carburetor clean to avoid pressure on the engine. You can use spray cleaners to help if you do not feel like removing the carburetor and cleaning it.

The choke requires low maintenance but might deteriorate more quickly if used frequently. Pay attention to how the engine starts and idles because it may indicate a choke issue. Make sure to empty the fuel from the motorcycle before putting it away for the winter to avoid clogging the fuel system.

When the engine is cold, it is more challenging to burn fuel. The choke enables the supply of an ideal air-fuel mixture that results in combustion and aids the bike's engine in drawing power. To avoid unexpected repair expenses to vent your pocket, invest in reliable insurance from the best motor insurance company in India.

Click HERE to buy insurance from the best motor insurance company in India.

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

Motor insurance is a mandatory purchase that helps you safeguard your vehicle and alleviates monetary stress in case severe damages are caused to your car during accidents, collisions, and other unfortunate situations. And if you are aware of motor insurance, you must know about the premium charges, insurance coverage, add-on benefits, claims, etc.

These factors influence your decision to make a final choice of motor insurance amongst the different policies from various insurance providers. And purchasing motor insurance is not just a one-time deal. It requires renewal from time to time to avoid losing on the benefits. You can opt for online motor insurance renewal for a hassle-free buying process.

Are there some important tips one must know about while renewing their motor insurance? This blog will answer all your queries.

1. Browse through other policies:
With the ease of accessibility of the internet, consumers are at an advantage. They can find detailed information about the services provided by various insurance providers, which makes it easier for them to compare and analyse which policies would optimally suit their needs.
The availability of a calculator helps customers to calculate the premium charges of various policies of the same category. It also allows you to compare the benefits of different policies and enables you to decide which insurance provider gives you the best benefits at the best rates.

2. Go through those add-ons:
Additional benefits are definite game changers in attracting customers. Always check the add-on benefits of the policies before you finalise a policy. Zero depreciation cover, engine protector coverage, etc., are some of the add-ons that are definite indicators of an efficient and affordable policy.
These are necessary, especially for luxury cars, which depreciate as the years pass by a massive margin compared to vehicles in other ranges. You can upgrade your current insurance plan by including these add-ons and secure your asset with complete protection.

3. What is your car currently worth:
Knowing your car's current value is essential for you to get compensated by your insurance provider in case your car gets stolen. Being aware of your IDV or Insurance Declared Value helps you achieve the current market value of your vehicle through your motor insurance policy.

4. What happens if you make no claims:
If the policyholder does not claim for an entire insurance period, the insurance providers/insurers provide a No Claim Bonus to them as a reward. This No Claim Bonus is awarded as either a discount of twenty percent after the fulfilment of one policy year or as a fifty percent discount on the completion of five claim-free policy years. Using the No Claim Bonus at the time of your motor insurance renewal can help reduce the price of your premium charges by up to fifty percent as the years' pass.

5. Read all the conditions carefully before upgrading your policy:
We have all heard the "terms and conditions apply" and the warning related to "read all policy-related documents carefully before accepting any upgrade offered by the insurance company. You must go through all the clauses and conditions before renewing your motor insurance policy to be aware of the benefits, the conditions, and the type of plan you choose.
This will help you analyse if you wish to switch your current insurance policy to a new one based on your needs using the "portability clause." You must ensure that all your benefits are intact even after porting your insurance policies to avoid any hassle in the future.

These are some tips for upgrading your motor insurance during renewal. And while we have already discussed the benefits of motor insurance, you can now purchase one at your convenience without suffering through the exhaustion of consulting various insurance providers or their agents. Just opt for the online motor insurance renewal, explore and renew your policy from the comfort of your home.

Click HERE to learn more about online motor insurance renewal.

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