GENERAL INSURANCE BLOG

Mountains are the perfect getaway to spend a few moments in peace and the serenity of nature. The feeling of being high up in the sky amid the clouds and looking at the stunning view is something no traveller wants to miss.

While a road trip to the mountains can be one of the most exciting things to experience, it is a fact that without the proper itinerary, the trip will lose its essence. The unpreparedness will lead to stress and confusion. The following blog gives you information that will help you choose the right itinerary for an exciting mountain trip.

1. Planning every step of the way:

Highlight the areas you want to visit along the way and research the most scenic routes to get there. In the mountains, it’s often about the journey, not the destination. Plan a detailed itinerary, including the dates on which you’ll reach each place, midway stops, and the places you’ll eat at throughout the trip.
Also, marking the highway petrol pumps is essential to avoid the stranded situation in the middle of nowhere. Although the plan should be meticulous, be open to deviating from it to experience something new.

2. Packing the right gear:

Packing the right gear can be a make or break of a trip. Place comfort over style, and make it a priority to pack clothes according to the weather. It can go from extremely cold to hot in a matter of a few days in the mountains, so make sure to get clothes suited to both.

3. Driving the right kind of car:

Mountain roads are notoriously treacherous. Steep and slippery roads are a given, and navigating these roads is a skill. Not all cars are made for such roads, and it is of utmost importance to drive a car that can stay intact on these roads.

4. Food and drinks:

Snacking and road trips have always gone hand in hand. Finding your favourite snack in the middle of a small mountain village is not always possible. Stay as hydrated as possible, and try to stay away from food that might upset your stomach.

5. Get coverage for every circumstance:

Road trips to the mountains came with a lot of risks. It is common to be stranded on mountain passes, waiting for help. It is best to ensure that your car insurance covers the vehicle towed a certain distance and repair cost if something unforeseen happens.

6. Don’t bite off more than you can chew:

It’s never a good idea to overstretch yourself on a trip, especially as dangerous as travelling to the mountains. Do ample research about common health issues faced when going to higher altitudes like heart palpitations and dizziness. Pack appropriate medication in your first aid kit to avoid health scares.
Overexerting yourself can also lead to rash driving and, ultimately, accidents. It’s best to be insured against any hefty medical bills you might incur. Be sure to stay updated on all the documents like car insurance.

A road trip to the mountains can be a therapeutic activity after the constant grind of city life. Breathing good clean air, getting some exercise and the view being a feast on eyes are just a few reasons why city people these days want to retire to a cottage in the mountains and spend their lives there.

However, travelling on unpaved, steep roads of the mountains can be challenging for your vehicle. The little off-roading you do for fun might come with a high cost of damage to your car. It is advisable to purchase comprehensive car insurance or renew if you already have one before your road trip.

Click HERE to know more about different 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.

Two Factor Verification (2FA) is recognized by many names, such as two-step authentication, two-step verification, and even multi-factor authentication (MFA). In simple terms, to get access to an app, platform, or network, the end-users must ascertain their identities using two forms of IDs. One is their password, and the other factor can be anything, an OTP, biometric scan, a security question, etc.

2FA adds an extra degree of security by safeguarding user IDs and preventing cybercriminals from accessing online resources. Cyber attackers have to confront an additional barrier to access with 2FA in place. Even if hackers know a user's password, they must guess the second factor, which might be challenging based on the authentication factor allowed.

In today's post, we'll go over how this technology protects individuals and organisations from people with malicious intents out in this world headed for Metaverse.

1. Looking beyond passwords:
Generally, offices use single-factor authentication (username & password) to grant access to their services. However, these procedures are insufficient to protect users nowadays.
This is due to users often not adhering to best practices when setting a password. Although strong password rules may help companies reduce these habits, other offenses, such as writing down passwords, using the same passwords across various accounts, or discussing passwords with others, are common challenges at the workplace.
This is where 2FA comes in. It is tough to bypass a second authentication stage as it generally involves biometrics (which can't be faked), TOTPs (Time-bound and ever-changing), etc.

2. An efficient way to fight phish based attacks:
Phishing is a form of cyber assault in which people with malicious intentions send a bogus email that mines for sensitive data. It is one of the top web hazards confronting businesses today.
Phishing emails seem to be sent by respectable organisations and often invite people to log in to their social network, bank, or business accounts. Unfortunately, many consumers are duped by the nature of these emails and input their credentials, giving their passwords and access to sensitive information to hackers.
Let's say you have fallen for the phishing trap, and the hacker has your password. They will try to log in to your account and fail because the second layer of authentication will be waiting for them. One wrong attempt on the second stage will prompt you about a possible breach. You can immediately reset the passwords.

3. A single compromised account might be the tip of the iceberg:
If the same password or its variants are used for multiple accounts, the hacker may acquire access to all of them. Since a typical user handles over 80+ accounts on average, there's a potential risk the hacker will access other credentials. They may steal critical information from inside and even sell the hacked credentials.
If hackers manage to crack into your account and try to work their way to other accounts, they will not be able to get in.

In the future, companies plan to include Geolocation, device type, time of day to assist if a user should be authenticated or restricted. Furthermore, behavioural indicators can be discreetly tracked in real-time to enable continuous authentication. These are things for the future, though. Use the 2FA technology available to secure your online identity from hackers.

Another great weapon to add to your arsenal is public liability insurance. It covers you against identity theft, cyber extortion, unauthorised transactions, and numerous other cyber hazards. In today’s technologically equipped world, your life can be on a digital marketplace in just a few clicks, even ensuring system security is made easy online. Compare different public liability insurance prices and select a plan that matches your requirements without being too heavy on your pockets. Trust us; it is well worth it.

Consider checking the public liability insurance prices 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.

Taking care of your skin is probably not the most straightforward task, but it certainly is unskippable. Our skin faces a lot of damage almost daily. The effects of weather conditions, settling of dust on the skin, problems due to sweating, and tanning are common issues that our skin undergoes.

Skincare should not be neglected to maintain healthy and glowing skin. And with the winter season here, all the people with dry skin live their nightmare of flaky and dull skin. But fret not.

We have listed a few pocket-friendly tips and tricks to maintain the healthy relationship you have always wanted with your skin.

1. Cleansing and Toning:
Follow these simple steps to help you remove dirt, impurities, and pollution from your skin, balances your pH level, tighten pores, and nourish your skin to its core. For cleansing, you can mix honey with a few drops of milk and apply it gently to your skin. For toners, you can use chamomile oil and rose water and spritz it onto the dry areas of your face.

2. Moisturising:
While this is a no-brainer, moisturiser is your best friend when it comes to dry skin. Although, you must apply your moisturiser right after your shower and after washing your face. Moisturisers help you seal in the moisture present on your damp skin, thus retaining the moisture content in your skin. You can even use shea butter and jojoba oil and apply them to your skin after you are done with cleansing and toning.

3. Say yes to warm showers:
A hot shower probably feels like the best thing at the end of a tiring day, but this is not a good idea for the health of your skin. The hot water can strip your body off of its natural oils, which is essential to help keep your skin moisturised and nourished naturally. So instead of steaming hot showers, opt for lukewarm showers. Your skin will thank you later.

4. Hyaluronic acid:
A new favourite of dermatologists across the globe is this magic ingredient. Hyaluronic acid promotes supple and healthy skin. It uses the moisture from the atmosphere and traps it under the skin keeping the skin well hydrated. Being humectant by nature, hyaluronic acid can hold more water than its size, almost ten times its size. Add this magic ingredient to your daily skincare routine and watch the positive results for yourself.

5. Facial oils:
Facial oils are also another absolute must-have when it comes to taking care of your dry skin. These are the night skincare specialists because it gives the oil the entire night to work on your skin so that you wake up glowing.

6. Contact your dermatologist:
All the steps mentioned above are primary care that you can provide to help your skin retain moisture. If, however, your skin is acting out and is going through an extreme case of dryness and dullness, it is a good idea to visit a dermatologist. Your dermatologist would know precisely what your skin requires and help you choose the best suitable remedy for your skincare.

Are you wondering what more you can do for yourself? How about checking out some online health insurance offers if you plan to get a skin treatment? Consider getting your online health insurance before you pay a visit to the hospital to avoid unnecessary expenses and receive the best financial aid.

Apart from these tips, you need to consume at least 4 litres of water daily and focus on your appetite. These factors also contribute to the fitness of your skin. Start incorporating these tips and watch your skin gain its glow and charm back.

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.

Researching what type of bike to purchase and comparing its features is not enough; getting a test ride of your chosen model is equally important. It is a thumb rule not to buy a vehicle until you take a test ride. Test driving helps you to determine if the vehicle model is the right choice for you.

Getting reviews about a product is undoubtedly advantageous, but remember not to make up your final opinion solely based on that. Do not decide upon a model until you have tried the two-wheeler yourself.

Here are ten quick tips you should keep in mind while testing a two-wheeler that you are looking to buy:

1. A new bike will be in better condition than a test bike. Not all dealers make an effort to keep the test ride motorcycle in its excellent shape.

2. Make a mental note of where and what the controls are. Naturally, every bike has a different build and console. Therefore, before you hop on a vehicle, it is vital to know its layout. It is necessary to understand how the new bike will complement your daily commuting needs.

3. Pay attention to how the basic components impress you. That includes the comfort of its seat, clutch force, gear change efficiency, effortless braking, smooth acceleration, and overall performance.

4. Examine the effectiveness of brakes. But do not make a sudden emergency stop to do so. A modest stop or two will also give you a more precise idea of its capacity.

5. Instead of being influenced by the riders in advertisements, consider performance in the context of your daily travel. It is always a good idea to believe in your instincts and judgments rather than what others say.

6. The engine is the heart of any vehicle. It is crucial to verify engine performance thoroughly before making the final decision. Observe the bike's reaction to the throttle at a low speed in high gear and vice versa.

7. Don't forget to check its off-roading capability. Road conditions you cover regularly might not be as good as the ones near the showroom. Hence, ride through some unsophisticated paths to check for the sturdiness of the two-wheeler.

8. Look for ease of use as per your requirements. You cannot gain the confidence to handle a bike right away. Therefore, check to see if the bike's features respond to your expectations without any trouble.

9. Note down what doesn't please you. Then examine whether those things are changeable or replaceable.

10. Apart from examining the bike, ask these questions to your dealer; What does the warranty cover? What is the maintenance schedule for the motorcycle? What is the cost of essential services at the dealership? Is insurance covered, and what is the price of annual 2 wheeler insurance online?

Remember to be entirely sure about the bike before making a purchase. And If you're still indecisive, ask to take the two-wheeler for a second test ride or until you are confident. Once you've chosen to go from test riding to buying, be sure you have the right insurance coverage for riding your newly bought two-wheeler on the roads. Get Magma HDI's 2 wheeler insurance online with the additional benefits to give your two-wheeler lifelong protection.

Check out the best 2 wheeler insurance online 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 utilise the internet in almost every aspect of our lives, looking for information, shopping, banking, online learning, playing games, and communicating with family and friends via social media. The data transferred over the internet could include banking and other financial records and medical information—all of which we desire to keep private. However, if the device is not protected, it may lead to malicious activities.

Hackers can access your most sensitive information with their vicious mindset. Consider purchasing a public liability insurance policy to protect the commercial business from various first and third-party liabilities. Here are seven suggestions to help you protect your office computers and other mobile devices from malicious intruders.

1. Antivirus:
Antivirus software protects your computer from malicious code or malware that could cause your operating system to malfunction. Get security solutions that support numerous technologies if your operating system didn't come pre-installed with it.

2. Use private Wi-Fi:
Avoid using public Wi-Fi on your device to prevent threat actors from gaining access to your device and downloading private files. Most public Wi-Fi hotspots don't encrypt data, so your connection to the Wi-Fi is visible to others. This poses a major threat to your device.

3. Complex password:
Obtaining a set of login and password combos from one source and trying those same combinations elsewhere is one of the easiest ways for hackers to get information. Therefore, the most important strategy to prevent network breaches is to use complex safe passwords.

4. Two-factor authentication:
Passwords are the first line of defense against cybercrime but adding a second layer of protection increases security. Many websites allow you to use two-factor authentication, which increases safety by asking you to verify your identity using at least two separate approaches.

5. Avoid spam mails:
Phishing attacks are when hackers send messages that appear to be authentic to deceive you into giving personal information. Always be wary of such emails from unknown senders, and never click on links or open attachments in them.

6. Substantiate app permission:
When you install an application, it will most likely ask for access to several of the device's most important features, including the camera, email, contact list, photo gallery, and location. If any of those features appear fishy, then disallow.

7. Be up-to-date:
Smartphone makers and app developers issue software updates regularly, which frequently contain security enhancements. So make sure your smartphone's software is up to date to avoid the risks of breaches.

You can protect your PCs and network from security breaches by using a combination of security technologies and best practices. The internet is a treasure trove of data and connections. If you use it with caution, you'll have a fantastic and safe time.
In today's dynamic business world, no matter how strong your corporate structure is, it is subject to a range of risks. As a result, it's a good idea to get public liability insurance policy to cover your needs and counter the damages caused by attacks due to vulnerabilities.

To look for the public liability insurance policy, 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.

George Bernard Shaw had once said, "There is no love more sincere than the love of food". And for Indians, this relationship is above and beyond that. They don't just love food, they worship it. As the world is growing more connected, Indians have developed a unique relationship with international cuisine from across the globe.

To give your taste buds a chance, here is a list of trendy international cuisine famous in India that you shouldn't miss out on!

Italian cuisine – get obsessed with pasta and risotto:
Most Indians are already familiar with Italian recipes like pizza, pasta, or risotto. Indians can't go days without eating a pizza which is almost like their comfort food. Some are seeing this paradigm already shifting; imagine restaurants are experimenting with tandoori pizza! Besides pizza, people are even hyped up about pasta and lasagne.

Korean cuisine – spice things up:
Koreans have our hearts. From their music to food, everything about their culture is impeccable. Korean cuisine mainly consists of rice, seafood, and vegetables. Some of the top Korean cuisines that should be on your menu include Kimchi, Bulgogi, Korean fried chicken, and Red rice cakes, also known as Tteok-bokki.

Japanese cuisine – feel the magic of the sea:
People in India are crazy for spices and flavours, but they would never think twice when it comes to Sushi. This delicious combination of both fish and rice with some special sauce is becoming a favourite among modern dinners. If you are a fan of exotic vegetarian dishes with noodles, you won't miss out on some of the Japanese restaurants in India.

English breakfast and high tea – a western culinary influence:
Like a favourite story, who knew Indians would always love something from the UK so much. Tea is India's most beloved beverage, which has become a tradition as an evening high-tea in fine-dining restaurants. Pancakes are another delicacy ruling over everyone's heart that now Indians are shifting from idli-dosa to pancakes for breakfast.

Thai cuisine – taste happiness:
Thai food is one of the few global cuisines that Indians genuinely love. Thai food is a mixture of so many ingredients altogether, and Indians love all the hidden flavours and aromatic elements of it. Today, Thai curry has become a part of most Indians' kitchens.

American cuisine – a heavenly delight:
And always keep the best for the last. Indians have loved American cuisine for years now. With numerous American fast-food chains opening their outlets all over the country, American food culture has gained popularity among both young and adults. Chicken wings, tacos, steaks, and salads are the new favourites today. Almost everyone's go-to food is now cheeseburgers and sandwiches.

Food is perhaps India's biggest obsession today. If you are a foodie and looking for some famous cuisines, there are endless options you can find. You can even participate in several International Food Festivals to delight yourselves with the best food from around the world. But, also remember that having a well-balanced food with appropriate calories and enough nutrition is a key requirement for good health. A growing number of restaurants, health consultants, fitness experts and online health insurance advisers recommend food as prevention-based medicine.

Having a sensible approach towards your choice of food can help you with improving health outcomes or driving down healthcare costs and online health insurance premiums. So, next time, incentivize your better decision-making with those exotic and international food menus as a way to improve your health too!

Click HERE to know more about online health insurance plans for you and your 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.

Monsoon is finally here! From the cooling showers to the irresistible scent of the soil after rain, there is much to be excited about the monsoon. But with all this beauty comes the problems of sludgy, slippery roads that make for a great inconvenience. With heavy rains comes damage to vehicles, which is seemingly unavoidable.

With petrol prices seeing a significant hike, more and more people are shifting their focus on owning an electric car. While there are many advantages to owning an electric vehicle, it comes with its own set of problems— one being that it is more susceptible to damages caused by rainy weather.

This blog gives you some helpful tips to keep your electric car safe and avoid spending hefty money repairing it.

1. OEM-issued charger:

Safe charging should be your top priority as an electric car owner. Verify that your charger is original. Original chargers ensure the car charges efficiently.
Current surges are common during heavy downpours, which can result in serious damage to the car's batteries. It can cause short-circuiting in the vehicle's charging point and cause internal damage to the wiring. The best way to prevent this is by charging the car in a dry and covered place, like an underground parking lot or a shed. Care should be taken to ensure that the charger is dry. Also, avoid charging the car in extreme weather conditions like lightning, cyclones, and thunderstorms.

2. Use ancillary components to help:

Using the features such as windscreen wipers, defoggers, and air conditioners to dry the car is a great idea to prevent the vehicle from corroding and rusting in this moist weather.

3. Don't forget the interiors:

The interior takes the worst hit in the monsoon. Muddy shoes and wet clothes are a frequent occurrence. From fungal blooms to a stench that will not go away no matter what you do. So, it's an ordeal to clean the inside of a car very often. Prevention is much better than cure in this case.
Use plenty of newspapers and towels to help soak up the water. Keep the windows rolled up and let the wet areas and the moisture dry up. If that doesn't work, you can also use a hair dryer on the wet spots. Don't forget to keep the cabins dry and clean.

4. Keeping the exterior (non-electrical parts) clean:

The car's exterior is constantly exposed to harsh weather conditions, and this problem gets aggravated in rainy weather. Especially in metros, the additional problem of acid rain comes in. This rain is corrosive and can strip your car of its protective paint. Be extra cautious during the monsoon, and wash your car regularly to prevent the paint from rusting.

Electric cars are quickly replacing petrol cars as an environment-friendly alternative. This is due to various reasons such as low running cost, lower maintenance, high acceleration, and most importantly, the near-zero carbon emissions they produce to help you reduce your carbon footprint.

However, it has its cons. The rechargeable battery is costly, and very few mechanics will be well-versed in fixing defects in an electric car. These are the reasons why researching the best car insurance in India will be the best option to avoid venting your finances during unforeseen circumstances. Implement the above tips and get ready to enjoy the best of monsoon by taking a road trip in your electric car.

Click HERE to know more about 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.

Sometimes, all we need to cool off and get the synchronization between our mind and body right is a break from the fast-paced city life. Moreover, we need some peaceful time-off to breathe and grasp the gravity of our existence. And nothing is better than being surrounded by nature to savour all that it has to offer.

A wildlife retreat is a fantastic opportunity to get yourself that peace and reconnect with your family while enjoying the charm of nature. India has abundant national parks and sanctuaries to offer a city escape to nature lovers. Let’s discuss some of the best national parks which provide an ideal space for a wildlife retreat.

1. Ranthambore National Park, Rajasthan:
Comprising a distinctive ecosystem, this national park is home to several tigers that one can easily spot on the safari. It is one of the significant reasons why tourism at Ranthambore has observed colossal growth. You can choose your accommodation from a list of options which ranges from luxury tents to boutique hotels.

2. Jim Corbett National Park, Uttarakhand:
Luring in the most visitors every year and famous for its Bengal tigers, Jim Corbett National Park has seen significant development in its tourism by opening up numerous lodges, hotels, resorts, etc. As a result, this national park is one of the top destinations for budget travellers every year.

3. Kanha National Park, Madhya Pradesh:
Situated in the heart of India, this tiger reserve has dense wildlife (swamp deer, India tiger, and much more), which one can explore on a jungle safari. Plus, you have the benefit of choosing from several staying options- luxury tents and hotels to budget resorts, all designed for your comfort.

4. Kaziranga National Park, Assam:
Carrying the baton for the most famous national park in Northeast India, Kaziranga houses the prestigious one-horned rhinoceros. Developing interest in northeastern tourism has expanded staying options in this area. Several luxury resorts and budget hotels with all the amenities are ready for tourists and travellers.

5. Sunderban National Park, West Bengal:
This national park, along with tigers, is also famous for its single block of tidal halophytic mangrove forest, the largest one in the world. As a result, it gains much traction from adventurers and wildlife lovers across the country. The mystical mangroves add to the incredible experience of staying in the lap of nature.

6. Gir National Park, Gujarat:
Home to the Asiatic lions, world-renowned Gir National Park is rich in flora and fauna. Therefore, making the stay here a perfect opportunity to explore the wildlife while enjoying your retreat. Moreover, it provides many luxurious and budget-friendly accommodation choices, convenient for tourists and nature enthusiasts.

7. Bharatpur Bird Sanctuary, Rajasthan:
Otherwise known as Keoladeo National Park, this bird sanctuary offers the perfect opportunity for birdwatching holidays in India. Adding to this absolute blissful getaway experience are the accommodation options of heritage hotels and jungle lodges.

When the stressful and noisy city life takes a toll on your happiness, it's the time that you pause and spend some time in serenity. If you are a true admirer of nature, the above-listed places are ideal for experiencing a natural delight and unwinding in the wildlife retreat. So, plan your trip to these bewildering national parks and escape into the wilderness. But, while making travel plans, you need to ensure that your journey stays free from any potential travel risks. Safeguard your travel dreams with the benefits of a comprehensive travel insurance plan from the best general insurance company.

Click HERE to know more about 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.