GENERAL INSURANCE BLOG

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.