GENERAL INSURANCE BLOG

It’s easy to lose track of time while going through your closet and segregating clothing into keep, donate, and dispose of piles. Or, spend an afternoon organizing your kitchen drawers and getting rid of all the unnecessary items and appliances you never use. But what about your digital environment?

The amount of digital content that fills up our lives might easily overwhelm us. We let stuff pile up without properly organizing it, and before we know it, we’re frustrated and worried. In this article, we will provide you with some tips on how to simplify your digital life so that you may be more organized and, as a result, make better use of your valuable time.

1. Clean up your desktop:
It’s all too simple to pin items to your desktop and leave them there, from photographs to word documents. But, it may become chaotic in a couple of weeks, and do not forget the fact that it will gradually slow down your computer’s performance. Schedule a day in a month, gather all of your desktop files into a single folder, then go through them chronologically to choose what to keep and what to remove.

2. Invest in cloud storage:
Virtual or cloud storage is a good alternative for storage purposes, significantly when technology is rapidly advancing. For example, you may use an online storage platform like Google Drive, iCloud, Dropbox, or OneDrive to free up space on your devices. These allow you to view your documents from any computer with an internet connection and ensure that you won’t lose your data if your machine crashes. Plus, cloud storage platforms facilitate smart allocations and storage of your media files and other documents on specific parameters like the source path, time, etc.

3. Delete the unwanted items:
‘Nothing is better for the soul than a good cleanse’. We can apply this to our devices as well. Remove any unnecessary material from your phone by going through your photographs, music folders, and even your contact list. It can be tough to let some of the contacts go, but if in doubt, ask yourself: Have I contacted this individual in the last five years? Do I need nine different photos of the same landscape? I loved these videos when they were trending, but would I watch them again? After deleting a binge, you’ll be amazed at how much extra storage space you have.

4. Unsubscribe from unwanted emails:
One method to declutter your inbox digitally is to treat it like a real mailbox: keep it clean and free of garbage. For example, if an email is junk mail, unsubscribe from the mailing list before deleting it. It is to avoid receiving the identical trash mail the following week or month.

5. Backup your important documents at a single location:
A dedicated document or a digital wallet allows users to access authentic virtual documents quickly. You may keep important papers like your Aadhaar card, driver’s license, PAN card, voter ID, train or bus season pass, and online car insurance copy safely in your digital wallet. Intelligent and efficient management of your documents can save you from the struggles and chaos we usually encounter at the last moment.

6. Manage your applications smartly:
Look through the applications on your phone or tablet to see what you have installed. How many do you use regularly, and what can you get rid of? It will feel less cluttered if you have fewer apps on your phone or tablet. Fewer applications mean more free storage space, lesser notifications, and more digital detox.

While digital decluttering may appear time-consuming at first, the long-term benefits will boost your productivity and free up time for hobbies, essential tasks, and real-world relationships that enrich your daily life. Learning to manage your stuff is a good habit, so start today by handling your digital world. The motive should be reclaiming and improving your mental space too, by working on the digital one.

Click HERE to get the best online car 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.

There is much debate on what exactly helps a person to stay fit – is it a good diet or a workout plan? A good diet covers the meals you consume daily, from fruits and vegetables to dairy products and protein-rich food. A good diet will keep you safe from the risks of health issues like diabetes, cholesterol, blood pressure, heart diseases, and the worst-case – cancers.

Exercise keeps your muscles and internal organs active, and there is no alternative to exercise if you want to stay physically fit. Exercise energizes you from within, and this energy is vital to carry out all the day-to-day activities and even at the time of health problems.

If you wish to reduce weight, dieting appears to be the logical solution. When we intake more calories than we burn, we tend to gain weight. As a result, lowering calorie consumption would be the most natural way to lose weight. Right? This, however, is rarely maintained. People tend to jump back to their previous routines after a while. Worse, the feeling of deprivation causes them to binge, further causing them to regain their lost weight.

So, if dieting alone isn’t enough to achieve long-term weight loss, would exercise alone work just fine? Short answer: NO.

Here’s why.
Regular exercise has several advantages, including a healthier heart, enhanced metabolism, and stronger bones and muscles. Exercise is also part of a formula that can help prevent many clinical illnesses, including several cancers. But, exercising will cause you to break your muscles at the gym and burn your fats. If you don’t repair those damaged muscles through a proper diet, it will cause you to lose bone density. You’ll get thinner, but you won’t be any fitter.

So what exactly should you go for?

The answer is, workout and eat smartly, collectively!

If you’re able to maintain the balance between a good workout plan and a healthy eating habit, you’ll complete your race towards the goal of fitness in less time.

Remember, you don’t need to work out every single day to be fit. Aim for at least 150 minutes of moderate to strenuous activity every week. Figure out a way to make time out of your busy schedule for a quick 50 minutes workout or have an exercising session every alternate day, whatever works for you.

As for diet, use a calorie calculator on the web to figure out your calorie level. If your target is to gain weight, eat above, and if it’s to lose weight, eat below the maintenance level.

It is preferable to have a minimally processed, whole-food diet rich in healthy fats, fibre, and lean protein to support general health.

Final word:
It may be tempting for you to choose one over the other. Diet and exercise complement each other and combining the two will improve your health and quality of life. As you take your fitness journey more seriously than before, be one step ahead and cover yourself and your loved ones under a good health insurance policy. Because eating and exercising will only take you a certain distance on the path of well-being, good health insurance will be your helping hand when you have to go the extra

Click HERE to browse the best 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.

It is rightly said that when in doubt, travel. And, traveling to mountain-tops and indulging in some thrilling activities is on the bucket list of every passionate traveller. So if mountains amaze you, this list of some of the most amazing places for hiking is for you. We have picked these five destinations blessed with nature and adventures to explore.

1. Kedarnath Trekking, Uttarakhand:
Situated in the mighty Garhwal Himalayas, the Kedarnath in Uttarakhand is a rejoicing trekking experience for nature lovers and travel enthusiasts. Its bloomed beauty with charming villages, lush green meadows and breath-taking sights of Himalayan peaks are stunning. The 3850-meter lofty summit of the trek covers Govind National Park, a glance of Himalayan flora and fauna. The hike also encounters views of Swargarohini, Ranglana, and Banderpooch with some heart-warming sunsets and the spectacular views. The trek covers forest sections and meadows and is also safe to walk through; spotting wildlife of the region is possible during the tour. Days are warm and sunny, though nights are cold with low temperatures. The difficulty of trekking is easy to moderate.

2. Clouds End Trek, Mussoorie, Uttarakhand:
It's obvious why Uttarakhand is called the "abode of the Gods" for every good reason. This holy place consists of magnificent clouds end trek – Mussoorie. The total area spreads over more than 2000 acres of land. Uttarakhand offers the best of avenues to experience some of the best hikes. People also hike up to the Jwala Devi temple that is in the vicinity. Here you can hike with a cultural overhaul and camping experience. The best time to trek here is in winter.

3. Tiger Hill, Darjeeling, West Bengal:
Tiger hill is the highest peak among all hills in Darjeeling, with an altitude of 8482 feet and 11 km in distance. The phenomenal view of Kanchenjunga can be seen with the incredible crystal blue sky. The trail is through the tiny villages and via pine, bamboo forests. You can visit a 150 years old monastery while hiking. Try to get there by pre-dawn to witness a majestic view of sunrise.

4. Chadar Trek, Ladakh (Frozen River Trek):
Ladakh is undoubtedly the dream destination for trekkers and bikers. The highlight of this trek is that it's not on some mountain or high hills. Instead, it is on the frozen "Zanskar River". No words can encapsulate the beauty and thrill of this trek. You will see a frozen waterfall that will soothe your eyes and soul. During the trek, you can interact and experience the culture of Zanskar village. Chadar trek is 11123 feet, and 62 km spread. The best time to go for a trek here is from early January to February.

5. Sahyadri mountains trek:
Situated in the western ghats, 1600 km in length, Sahyadri Mountains are a lush green beauty parallel to the coastline of the west and one of the favourite places of trekkers. This world heritage is rich in wildlife and biological diversity too. Blessed with stirring pinnacles, caves, forts, and hilltop greenery is the point of attraction to trekkers. It's truly a paradise for nature lovers. The best time to visit this trek is Monsoon. Seasonal waterfalls and rainbows, flowing rivers with surrounding greenery of Sahyadri make this trek marvellous.

On a final note, good health and physical fitness are required before you head off to any trekking destination. Your endurance will be on a severe test, so ensure that you prepare yourself by considering all the possible factors. However, mishaps and unforeseen problems can occur too. Therefore, count your health insurance in your essentials to have safe and memorable trek experiences.

If you are looking for health insurance online, click HERE.

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

We all have heard “health is wealth” a hundred times from our elders, haven’t we? And it is one hundred percent the quintessential truth. We all try to take care of our health by maintaining our physical and mental strength through yoga, exercise, and a balanced diet to add the perfect amount of nutrition. These factors influence the path towards your goal of a healthy body and mind. A slight health issue can delay your daily lifestyle, affect your wellbeing, and lower your confidence.

People in the olden days had the perfect routine which supported their bodies in every way possible. They had the cleanest air, food, and water for daily consumption. And they performed extensive physical activities throughout the day, which kept their body active and their blood pumping. Due to the hectic modern lifestyle, it has not been easy to obtain clean and pure resources to attain peak health in recent times.

Excessive pollution, global warming, and urbanization have also harmed humankind. While our lives have become more effortless, we are unfathomably dependent on technology to do a significant chunk of our daily chores, which has reduced the level of our physical and mental assignments, thus making us lazy and prone to diseases.

Nutritionists, dieticians, and doctors prescribe alternative medicines and supplements to ensure that our body receives the required amount of nutrients to build stronger immunity during severe medical emergencies like the covid-19 pandemic. Here’s what you need to know before using alternative medicines.

1. Connecting the mind and the body:

Medical practitioners recommend mind-body therapies to many patients to deal with various health issues. These therapies involve meditation, hypnosis, yoga, and tai chi. Meditation helps you develop focus, increase concentration, control anxiety and depression, reduce insomnia, etc. Yoga, tai chi, and hypnosis help you reduce stress, get sound sleep, treat back pain, manage weight, and boost your quality of life.

2. Nutritional supplements:

Many doctors prescribe certain standard nutritional supplements (vitamins, minerals, etc.) to ensure that their patients achieve the individual dietary requirements during the treatment of their respective medical conditions. Some commonly prescribed items include turmeric, ginger, primrose oil, castor oil, aloe vera, etc. They help in building a solid gut and immune system and treating various skin and heart issues.

3. Medicinal streams of treatment:

We all have heard about various medicinal treatments, which are considered alternatives to standard allopathy or western medicines. The ayurvedic system, homoeopathy, and naturopathy are the most popular alternatives with their own beliefs of procedures and treatment. Practitioners of Ayurveda strongly believe that just like our planet Earth, our body too is made up of the five essential elements: fire, water, earth, space, and air. The elements govern our bodily functions.
The Homeopathic system combined two theories that dictate that small doses are effective. And Naturopathy takes a traditional approach to treatments. These alternatives strongly recommend the usage of natural substances, medicines, and therapies which do not have any side effects on your body. They connect your body to nature and allow it to heal your ailments.

Other alternative medicine treatments include massages, acupressure, chiropractic techniques, therapeutic touch, etc.

While discussing various medicinal treatments and their alternatives is essential, it is equally important to understand how to safeguard your body in severe health emergencies, which usually come without warning. They can lead to excessive stress and unprecedented damage-financially, physically, and emotionally. To protect your and your loved ones’ health in sudden circumstances, you need to purchase health insurance. Opt for online health insurance to avoid the hassle of numerous procedures, submission of documents, and involvement of intermediaries.

Click HERE to know more about 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.

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.

Have you ever felt unproductive while having tight deadlines and no creativity or motivation to complete your tasks? You may be facing burnout and are among 40% of the Indian workforce. While it may seem challenging to get out of such a phase, the best way to overcome the symptoms of burnout is to step away from work and hit refresh! What better way to do so than going on a short vacation?

Considering the intense work pressure and hectic schedules, taking a leave may not always be possible. So why not make the best use of your weekends to drive away from monotony? Short road trips are the perfect way to meet your requirements without overspending. Considering the traffic-packed roads across the country, taking your bike on the journey may be ideal.

If you’re convinced, pack light, gather your friends, get your bike serviced, ensure all the papers are in order, and purchase two wheeler insurance online India. Pick a destination from our specially curated list to experience the joy of a quick getaway over the weekend!

1. Cherrapunji, Meghalaya:
Known as a quaint town, the wettest place on Earth is home to unique living root bridges that you must check out. With well-built expressways through scenic greenery, motorcyclists are in for a joy ride on this journey. We recommend starting from Guwahati or Shillong to experience the best of the town’s old-world charm.

2. Goa:
Planning a vacation without mentioning Goa, irrespective of duration, is impossible. With excellent connectivity to neighbouring states, the party capital is the best place to head to if you need tranquillity or happening parties. The ride through the picture-perfect Konkan belt will stay in your memories forever!

3. Ooty:
The rolling hills of Ooty and its lush greenery make for a serene getaway. Enjoy the view of far-reaching sprawling tea and coffee plantations as you drive through valleys on meandering roads.

4. Jaisalmer:
If rough terrains excite the motorcyclist in you, Rajasthan’s cities are the perfect destinations to plan your next road trip. A panoramic view of the beautiful blend of culture, heritage, and vibrancy will follow you as you make your way to the Golden City. Considering the arid surroundings, planning your trip between November and March is suggested. We urge you to purchase two wheeler insurance online India to cover any mishaps you may encounter during your journey.

5. Araku Valley:
At a little over a hundred kilometres away from the City of Vishakhapatnam is Araku Valley, a hill station with rustic heritage, tribal influence, and coffee plantations. While the journey may be short, the valley offers the best nature, biodiversity, and climate, making for a refreshing retreat.

6. Munnar:
If you fancy long-distance road trips, plan your next trip to Munnar, a hill station in Kerala. Its green hills, waterfalls, and tea plantations make for the perfect view on your journey, which may take up to 04 hours if you start from Kochi.

The other popular destinations include Lonavala, Karjat, Alibag, Nasik, Daman, etc. which promise a happening weekend setting for you to unwind and return with positivity and energy.

This list is not exhaustive and only includes some destinations you can consider setting off. While each destination has a unique appeal, we urge you to purchase two wheeler insurance online India before you depart on your two-day vacation! Safety should always be on top while planning bike trips. Wear proper gear and a helmet to safeguard yourself from any mishap.

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.

Riding a motorbike with smooth-shifting gears gives you a sense of pleasure that no other thing can. The feeling of downshifting into a curve, soaring your RPMs, then switching back into high and rushing down the straightaway is unmatched.

But when the quality of your clutch starts deteriorating, it no longer grips as usual or allows you to smooth down and upshift. If you take too much time to assess a bad clutch, it might leave you stranded during a ride. While the rest of the crew enjoy the journey, you will have to spend extra time repairing or replacing it.

However, knowing the signs of a damaged clutch will help you repair the appropriate pieces before you're left stranded.

In today's post, we'll discuss ways to assess if your clutch is on its way to being damaged. Read along to know how you can avoid costly repairs before it's too late.

1. Slipping of clutch:
The clutch slipping indicates that it has already begun to wear down. You may sense a lag or a slight jerk when your bike starts picking up. The RPM starts to increase faster than it should. If any of these occur, your bike's clutch is worn out, and it's time to get it repaired.

2. Sticking of clutch:
Your bike's clutch will start to stick if there is a malfunction or oil-induced dirt in the springs. It can either stick in or out depending on when the event occurs. The clutch parts will cling together as you change gears resulting in a low-power transmission. A sticky clutch might be mistaken for a general bike problem, so be extra cautious and get it diagnosed.

3. Hard to shift gears:
If your clutch wire is loose or the clutch gap is compressed, the bike will not accelerate because you won't be able to shift gears. When parking your bike, it's best to keep it in neutral, although some people leave it in first gear. So if you ever experience a slack in shifting gears, visit the mechanic.

Tip: To minimise clutch dislocation and overheating, always start your bike in neutral. Overheating the metal components causes them to expand, lowering the spacing distance. However, the clutch relies on friction to transfer power, so oil the parts regularly to avoid overheating.

4. Sharp metallic noise:
If you've recently noticed a strange sound emanating from your bike and it becomes louder as the days pass, it might be your clutch asking for attention.

5. Burning smell:
A burning odour may signal a clutch problem, which you should not neglect. If a mechanical noise accompanies the smell, you should have the clutch pad checked out as soon as possible to avoid any more damage.

These are some ways you can detect a problem with your clutch system. Make sure you always park your bike on neutral. Oil the clutch system periodically, but don't put too much oil. Never use the clutch as the braking alternative unless it's very needful, like in case of brake failures.

While you ensure your clutch pad, insure your bike as well, it will help you in case of mechanic visits for your clutch repairs and avoid additional expenses. Purchase bike insurance online and add value to your two-wheeler with the benefits of comprehensive coverage.

Click HERE to get the best bike insurance online right now.

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.

Manufacturing date, location, vehicle model, claims history with add-ons, and optional deductibles are a few variables that could impact your bike insurance. However, some other aspects could also influence the cost of insurance.

An essential factor in calculating the insurance premium is the two-wheeler's cubic capacity (cc), also known as its engine capacity. Continue reading to learn how your bike's cubic capacity affects its insurance cost.

What is the cubic capacity of a bike?

The capacity of your bike's engine is measured by its cc i.e., cubic capacity. A bike's engine size is essential since it affects how much power it can produce. A two-wheeler is thought to be stronger if its chamber is larger. Similar to how a four-wheeler vehicle's engine capacity is expressed in litres, a bike's capacity is understood similarly.

Bikes with higher cubic capacity come equipped with large cylinders that can produce extensive power output from the engine. This results in low fuel efficiency as more consumption is observed to drive more engine power output per stroke.

Bikes with higher cubic capacities are expensive. This is because intense mechanical fitness and build are required for the bike to withstand tremendous torque and power. Higher cc bikes have premium quality brake pads, comfortable suspension, and excellent exhaust that can easily overcome the wear and tear that might result from high-speed riding.

What effect does your bike's cubic capacity have on policy premiums?

Your bike's engine power is critical in the premium fixing process. The engine's cubic capacity affects the cost of your motorcycle insurance. A 75 cc bike would be less expensive to insure than a 220 cc bike. Take proper care of your bike's engine to guarantee that it operates smoothly.

Higher cc bikes would cost more to insure because your insurance rate directly correlates to your engine's cubic capacity (cc). When determining the third-party insurance rate, the IRDAI primarily considers the cc of your bike.

A bike's cc majorly determines the on-road cost of the bike. Low-cc bikes are less expensive than high-cc ones. The insurance premium for expensive bikes is more, considering their superior build quality and use of costly parts.

Other elements that affect the insurance premium for bikes with the higher cubic capacity.

Here are the various factors that influence the premium of the higher cubic capacity bikes:

● Geographic location: Compared to Tier II cities or rural areas, the premium is more significant if you stay in a metropolitan metropolis. Compared to non-metro regions, urban areas have a higher risk factor.

● Year of production: The age of the vehicle directly affects the insured amount. The insurance sum will decrease as time goes on since the bike loses value.

● Make and model of the bike: Premiums for high-end/premium bikes are higher; premiums for entry-level bikes are lower.

● Add-ons: In return for a more premium for bikes with higher cubic capacity, add-ons safeguard you against situations that aren't covered by the basic program.

● Installation of security measures: Lowering the danger of theft and the likelihood of damage by installing anti-theft devices or other security measures reduces the insurance price. By installing security devices, you can get a reduction in insurance premiums for bikes with higher cubic capacity.

Every bike driven on the road must be covered by third-party insurance. Therefore, in addition to looking at the bike's qualities before buying one, you should also consider getting bike insurance. Shop around to buy motor insurance online that best suits your needs and expectations. You can reduce the cost of two-wheeler insurance while maintaining adequate coverage if you heed the above suggestions.

Click HERE to buy motor 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.