GENERAL INSURANCE BLOG

Buying a bike takes a lot of thought and planning. Multiple factors influence your purchase. You arrange the funds, and after making a final decision, you pay the money and get a brand new bike. Just like your other possessions, your motorcycle needs optimum care too.

Maintenance of your bike is as essential as your safety while riding it. Whether you frequently use your motorcycle or occasionally, you need to ensure that your vehicle is not damaged. Even a tiny impaired part could cause significant harm to the bike and risk your safety. So as the owner, be careful about its regular maintenance.

All bikes have their periodic servicing cycle. Ensure to get professional servicing for your motorcycle at the authorised service stations. These centres use authentic spare parts recommended by the manufacturer and follow all the procedures to ensure that your bike does not suffer any damages in the long run.

But what happens after your bike is serviced? How can you assure that it has undergone proper servicing? Well, this blog will discuss what you need to keep in mind the next time you get your bike after servicing.

1. Air pressure:
Check the air pressure in the tyres. Unless your bike's tyre is visibly flat, you can't just judge the tyre inflation. Instead, use a tyre pressure gauge to check the correct pressure. Regularly check the motorcycle at different pressures when you ride it.

2. Engine oil:
You should inspect the engine oil after the servicing is completed. Make sure that proper levels are maintained. Look for any leakages. Carbon deposits can thicken the engine oil. Running the bike on dirty oil can damage the engine life in the long run.

3. Brakes:
Examine the brakes very carefully. Your bike's brakes are vulnerable to damage due to their excessive usage on the roads. Make sure that your brakes are not very loose or very tight, which would cause difficulties in applying them when needed.

4. Screeching noise:
If you hear a screeching noise, it could be due to an issue in the front brake pads. Make sure that they are appropriately checked and replaced if needed. Lack of oil could also be one of the reasons for such noises.

5. Spark plug:
Make sure that the spark plug is cleaned. And in case of any damages, ensure that it is replaced. The spark plug is connected to the engine combustion and should undergo regular maintenance. You can keep an eye out for checking the carburettor, air filters, chainset, etc.

Now that we've discussed the checklist you need to follow after completing servicing of your bike, you need to think about how to keep your bike safe from damage during unprecedented situations. The solution is to get your bike insured. And now, you can purchase bike insurance online from the comfort of your home and even get attractive deals with extra benefits. These benefits can reduce your monetary stress and cover your bike's repairing or garage costs.

Click HERE to know more about how you can 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.

For decades, clicking photographs with a film camera was the only way to store memories. Today, we use smartphones to capture and save memories as videos and pictures. However, if you are from the 90s era or before, you must still have hundreds of pictures and photo films locked away in your cupboard or neatly tucked into photo albums.

While tossing out old clothes that we've outgrown may be easy, throwing out photographs is just too difficult. They hold countless memories in a single snapshot that you never want to let go of. You may even put up a few photographs in frames to hang up on the wall or place on your bedside.

However, over the years, you may notice them begin to degrade. Some get brown patches, some turn yellow, and some develop folds and creases around the corner. Therefore, it is essential to remember these tips to preserve old photographs properly.

1. Throw out the old photo albums:
Storing the old photographs in a box or folder does not ensure their protection. Using the usual peel-and-stick photo albums is not the best option for holding your photos. They are usually made of ordinary plastic, glue, and cardboard, which can harm the pictures in the long run. If you want to save them, look for ones free from acid. Avoid albums made with dyes and recycled materials.

2. Do not stick your photographs:
Exposing your photographs to any kind of glue or adhesives can harm their quality. The paper can tear or weaken due to the use of glue. Instead of sticking the photographs in books or albums, look for albums with paper sleeves or acid-free plastic sleeves.

3. Label wisely:
Future generations who inherit the photographs may need the context behind them and labelling them with thorough information can go a long way. However, while most of us might write using a permanent marker or a pen, the ink poses a threat of staining the photographs. Instead, use a pencil and write lightly around the edges to avoid damaging the centre of the image. If you are worried about lead smudging, avoid touching the parts you've written on.

4. Preserve in appropriate locations:
Collections of old photographs are delicate and need to be stored the right way. They need to be boxed in climate-controlled areas of your home that are not too cold, hot, or humid.
Moisture and heat can affect the paper quality and the print of the photograph. Therefore, keeping the albums in paper boxes is better than using plastic boxes. Place these boxes in a closet that is not prone to flooding or intense heat, sunlight, and moisture.

To sum it up, these few measures may help you preserve the quality of your photographs and maintain their shine over the years. To make sure you continue making memorable memories much like the ones you've saved in those photographs, invest in dependable general insurance plans to secure your family.

Click HERE to buy general insurance that best suits 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.

In recent times, Indians have increasingly begun opting for electric vehicles. The reasons include saving on fuels and interest in ecologically beneficial features. When deciding if an EV is the best option for you, examine how an electric vehicle varies from a car with a combustible engine. One of these distinctions is insurance, and you must understand how an electric car's insurance in India works.

So, to help you with just that, we've discussed everything about electric car insurance in this post.

The importance of Electric Car Insurance.

1. Mandatory by Indian law:
The Motor Vehicle Act 1988 of India covers all vehicle legislation. According to the act, all cars (including EVs) are required to carry vehicle insurance to operate legally on public highways.

2. Damage protection:
Appropriate protection is essential to prevent or control damages caused due to accidents. Anyone who has had any experience with automobile repairs knows about the expenses involved, especially in the case of electric vehicles. Thus, whether the damage to your automobile is due to your fault or someone else's, a car insurance policy will cover the repairs without putting pressure on your pockets.

3. Third-party liability:
In the event of an accident claim involving third parties, you will be required to pay for any damage incurred out of your pocket. However, you won't have to worry about these ramifications with third-party liability insurance. Under your car insurance cover, your insurance company handles and compensates for any loss or damage done to third parties.

4. Personal accident covers:
Personal accident cover is also mandated as per Indian law. It protects you against uncertainties like accidental death, injuries etc. Remember, it does not come with the car insurance plan but needs to be purchased separately as an add-on feature.

Please note, there are no separate insurance plans for Electric Vehicles (as of yet). The general insurance sector in India has yet to provide specialised coverage for EVs. As of now, consumers must choose from current car insurance policies designed for vehicles with combustible engines.

Also, the IRDAI has recently ordered that insurers should promote electric car insurance policies. This means that India's third-party insurance coverage for electric vehicle cars will cost lower than traditional petrol/diesel vehicles.

What is covered under Electric vehicle insurance?

• Personal accident coverage

• Third-party insurance coverage

• Car theft

• Road accidents

• Damage resulting from fire

• Repairs and replacements of parts

• Damage resulting from a natural calamity

What is not covered under electric vehicle insurance?

• Claims after drinking and driving

• Claims if the driver is found without a driving license

• Higher damage caused due to intentional negligence

• Lapsed insurance claims

To conclude, whether you own an electric car or a traditional one. Having car insurance is mandatory and acts as your financial safety cushion. Like all your expensive belongings, protect your electric automobile against damages.

Car insurance guarantees that your vehicle stays in good condition for a long time and helps you avoid monetary stress. It also pays for expenditures incurred as a result of third-party harm. Furthermore, the IRDAI has decreased third-party insurance prices for electric vehicles by 15%. So save your EV from potential damage like it protects the environment.

Click HERE to get the best deals on 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.

To be a vehicle owner entails a variety of duties. To get the most out of your automobile, you must frequently care for and repair it. If sufficient care is not performed, not only will your vehicle's quality suffer, but it may also cause an accident. Having your vehicle's tyres aligned regularly is one of the most important things you need to ensure tyres last longer.

Many individuals believe that alignment should be left to specialists. While this is true in many ways, some alignment specifications are simple enough to check on your own, and wheel alignment is one of them. This may be useful after upgrading steering or suspension parts so that the car isn't out of alignment during the journey to the shop, or it can at the very least offer a better knowledge of the process.

Following are a few ways you can check your car's wheel alignment by yourself.

1. Caster:
Most vehicles are constructed with a mild downward caster. Your caster angle contributes to the equilibrium of driving, balance, and turning. A high caster causes the steering axis to lean toward the driver. On the other hand, a low caster indicates that your vehicle's steering axis is tilted away from the driver.
To measure the caster angle yourself, you need to park the vehicle on a flat surface and place both wheels on the turntables. Next, install the bubble gauge on the hub. Then turn the tyre 20 degrees inwards and level the gauge. Using the adjustment knob, set the caster reading as zero. Now, move the tyre 20 degrees outwards to get the caster reading.

2. Camber:
Camber is the degree of tyre lean of a car measured in degrees. Negative camber takes place when the top of the tyre tilts inwards. Whereas positive camber occurs when the top of the tyre tilts outwards.
Most contemporary automobiles feature a somewhat negative camber to increase stability and control. Camber misalignment may be caused by worn bearing, ball joints, and other wheel suspension systems. Excessive inward or outward skew indicates poor alignment and must be corrected.

3. Toe-in:
Toe alignment, as opposed to camber alignment, is the degree to which your tyres spin inward or outward as seen from up top. Depending on the vehicle, typical toe-in standards range from one-thirty-second to one-eighth-inch. Toe-in alignment occurs when your automobile's tyres are inclined in the same direction. Toe alignments are done at the last after caster and camber are done.

As a vehicle owner, you must recognise the signs of misaligned wheels. Take a moment to check your vehicle's wheel alignment regularly. It can add to the life of your car's tyres and improve the handling. Even if you decide to get the vehicle aligned in a garage, you will better understand the issue and information.

As needed, trained and experienced vehicle experts will be able to align your wheels. However, to sustain the absolute protection of your vehicle, yourself, and anyone around you, it is advisable to opt for insurance. If you have just purchased a new car, always remember to buy new car insurance to safeguard your vehicle.

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.

Health insurance consists of myriad terms and conditions that policyholders should read in detail at the time of health insurance policy renewal or purchasing. However, most of us usually do not pay heed to them and suffer at the time of settlement of the claim. An important clause involves sub-limits in a health insurance policy and the subsequent proportionate deduction.

Sub-limits in health insurance policies usually include capping or limiting the room rent during your hospitalisation. There are a variety of rooms available in any hospital, ranging from general wards to semi-private rooms and deluxe rooms. There is also a proportionate deduction clause associated with the sub-limit. Let us understand these terms in detail.

Sub-limits explained.

Sub-limits are limits or maximum percentage of the total sum insured that an insurance company will bear for the hospital expenses under various categories. Insurance companies usually use the maximum permissible room rent in the hospital as a benchmark for deciding the sub-limits.

For example, if your health insurance policy is Rs.5 lakhs and the permissible sub-limit for room rent is 1%, the insurance company will only bear 1% of Rs.5 lakhs or Rs.5000 per day for the rent of your room in the hospital. Any amount over it will have to be borne by you.

In this case, if your room rent is Rs.7000 per day, the excess amount of Rs.2000 over the sub-limit cap of Rs.5000 per day will have to be borne by you. Generally, the sub-limit on room rent ranges between 1%-2% of the total insured amount.

Proportionate deductible clause.

Insurance companies usually insert a proportionate deductible clause in health insurance policies. The companies calculate the excess room rent over the sub-limit allowed in percentage terms. They then deduct a proportional amount from all associated treatment costs, including surgery fees, tests, doctor consultation and visiting charges, ICU charges, etc. The insured has to bear them from his pocket.

Insurance companies use the following formula to calculate the proportionate deduction.

Excess room rent over the room rent limit/ Room rent limit as per the policy x 100
For example, suppose the room rent limit per the policy is Rs.5000 per day, and the actual room rent is Rs.7000 per day. Hence, proportionate deduction to be applied:
2000/5000 x 100 = 40%
In this case, if the doctor consultation fee is Rs.2000, the insurance company will deduct 40% of this amount, i.e., Rs.800, and will cover only Rs.1200. The remaining Rs.800 will have to be borne out of your pocket.

How to deal with the proportionate deductible clause?

You should always check whether the proportionate deductible clause applies to your health insurance policy when purchasing it. If applicable, you should adhere to the sub-limit cap and choose a room accordingly in the hospital, especially if your hospitalisation period exceeds 3-4 days. This will ensure that the insurance company cannot apply the proportionate deductible clause and will cover all expenses during the hospitalisation period.

If your policy includes a sub-limit capping, consider changing your insurer at the time of health insurance policy renewal to one without such a clause. We can also port our policy to some other company for this purpose.

A health insurance policy is fundamental in the present world because of our food habits and lifestyle. However, only some people know the concept of sub-limit capping and proportionate deductible clauses. This can burn a big hole in your pocket in a medical emergency.

Do not worry if your health insurance policy comes with these riders. Shift to another policy or company at the time of health insurance policy renewal. This will protect you while ensuring that the insurance company will bear all the hospital expenditures in case of hospitalisation.

Click HERE to purchase reliable 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.

Are you looking to purchase your first two-wheeler or perhaps on the hunt for an upgrade to your current one? You must have heard various terms such as BS6 and BS4 being used for two-wheelers. Before we jump into understanding them, let's understand why we are talking about these classes.

In order to address the growing concerns about pollution and global warming, the Government of India has introduced regulations known as Bharat Stage Emission Standards (BSES). BSES is the governing body responsible for regulating the output of air pollutants coming out from vehicles. The BSES has made it mandatory for all motorcycle producing brands to register and primarily sell only BS6 bikes from 1st April 2020.

In this blog, we will try to bring forth everything there is to know about BS4 and BS6 engines.

What are BS4 and BS6?
BS4 and BS6 are the 4th and the 6th iteration of the BSES pollution regulations. The Central Pollution Control Board put forth the BS4 emission norms in 2017, which permitted 50 parts per million sulphur content. However, with the introduction of BS6, it was mandated that only ten parts per million Sulphur content were allowed.
Due to BS6, India's emission norms are believed to be equivalent to those of developed countries. BS6 means cleaner fuel and less toxic gases from the exhaust, thus reducing the pollutant content in the air.
The BS6 petrol engine is 25 per cent cleaner than the BS4 motor. And in the case of diesel, it is 80 per cent cleaner than a BS4 diesel engine.

Can you use BS6 fuel in a BS4 vehicle?
BS6 vehicles aren't everywhere just yet, so most motorcycles using BS6 fuel are BS4 vehicles. The important thing to keep in mind is that it is a cleaner fuel and will be perfectly fine for your engine.
Once the laws are mandated, every fuel station will be pumping BS6 fuel. So it is unreasonable to expect one to change their vehicle. This is why it is acceptable to use BS6 power in your BS4 vehicles.

Can you use BS4 fuel in a BS6 vehicle?
It is highly unlikely to have any immediate effect on the motorcycle. There has been certain ambiguity when it comes to this. The petrol engine manufacturers said no effects were seen when a BS6 vehicle used BS4 fuel. However, in the case of diesel engines, there will be some wear and tear eventually. Though, the repercussions would be seen over a very long period.

With the constantly changing time and increasing pollution and population, the automobile industry is preparing for revolutionary changes in the next five to ten years. The laws concerning pollution are becoming more stringent, and it is essential to keep your bike's health in top order to avoid hefty fines in future. Regular check-ups, including pollution checks and servicing, are vital for the good health of your two-wheeler.

It is a good idea to purchase bike insurance to protect yourself from any expenses incurred during these processes. Invest in the bike insurance plan that comes with an attractive premium and features to benefit you when in need.

Click HERE to check out 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.

Car insurance services are evolving to serve their customers more efficiently and effectively. With the advancement of technology, car insurance has moved from paper-based to digital-based insurance offerings. One such evolution in car insurance is introducing pay-as-you-drive insurance.

If you've never heard of the term, here's all you need to know!

What is pay-as-you-drive insurance?

The pay-as-you-drive insurance model is a new car insurance policy recently introduced in India. It allows the policyholder to customise their car insurance and reduce the premium. The required third-party liability car insurance is included in the pay-as-you-drive insurance for the length of the policy. Apart from that, it provides comprehensive coverage based on the distance the car travels. Policyholders of pay-as-you-drive insurance pay the premium for the distance their car covers.

There is no need to worry about the authentication of pay-as-you-drive insurance, as the Insurance Regulatory and Development Authority of India (IRDAI) has approved this insurance mode. Therefore, some car insurance companies in India offer and accept the pay-as-you-drive insurance model. This insurance is an excellent option for infrequent drivers. So, if you take out your car occasionally, this insurance is an advantage for you!

How does pay-as-you-drive car insurance work?

As mentioned above, pay-as-you-drive is new in India, and only some people are aware of the rules and regulations of this insurance policy. To make things easier, we have mentioned some essential points for a better understanding.

1. Research a little about the insurance company:
Only some insurance companies are offering the pay-as-you-drive insurance mode. Thus, it is essential to look for genuine sellers. Conduct basic online research about those who offer this plan. Once you've found a genuine insurer, you'll need this feature to move forward with the insurance policy along with
● Recent odometer reading and other essential car details
● Consent form
● Necessary KYC details
● Driving licence
Besides these, provide other documents requested by the insurance company.

2. Deciding the kilometres:
Unlike other types of car insurance, the premium for a pay-as-you-drive policy is determined by the number of kilometres driven by your car. While choosing the policy, you must make an informed decision on how far you wish to drive your vehicle since you'll have to pay the insurance premium according to the distance your car covers. Be sure to check and read all the terms and conditions before finalising.

3. Installation of the telematics device:
As your insurance company may have told you, you may need to put a telematics device in your vehicle. The telematics devices help record the kilometres driven by your car. You can easily install the application on your smartphone and keep a record of how much total distance you have covered.
The insurance company can also use this application to remind you about the exhaustion of the chosen kilometre slab. They can also inform you about easy top-up and renewal notifications.
In addition to tracking how far a car has gone, the device provides information about average speed, how the brakes are used, etc. With all this information, the premium is calculated by analysing the collected data.

Initially, purchasing such a new insurance policy may seem risky. Over time, you'll realise that it is an excellent way to protect your car if you're an infrequent driver. Research more about the pay-as-you-drive insurance policy and consider purchasing the policy from the best car insurance company in India to ensure complete protection for your car.

Click HERE to buy car insurance to safeguard your car from mishaps.

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.

No matter how prepared you are or how well planned your life is, there is always something that catches you by surprise. You could be out on a trek, visiting a wildlife sanctuary, or just simply walking in your garden when you spot a snake, and while your first instinct may be to run, it is said that snakes do not attack unless they feel threatened.

So staying calm and avoiding movement might be the best option you have. However, if you find yourself in a situation involving a snake bite, these are the few things that you could follow to ensure your or the victim's safety.

1. Staying calm:
This might seem like a banal comment during emergencies, but staying calm ensures that your heart is not pumping blood vigorously. Panicking leads to faster circulation, which means it will spread the venom.

2. Restrict movement:
This step is crucial, as the passage of the venom is not directly associated with blood flow. The venom flows through your lymph, which only moves when you do. So any calls that you need to make for the ambulance should be done by somebody else.

3. Pressure immobilization:
Bandage firmly, 'above' the area of the bite. Use a piece of cloth if a bandage is not available. Roll it around the lymph till whatever place it can reach. Now splint the affected area to keep it still. Use any stick, rolled-up layers of paper, etc., to support.

4. Do not wash the wound:
Washing the area gets rid of the venom that the doctors can use to identify the species of snake. Therefore, it is advised to leave the affected area as-is for the benefit of the doctors.

5. Rush to the nearest hospital:
The only remedy to a venomous snake bite is to get an anti-venom as soon as possible. Rush to the nearest medical facility to ensure that timely medication is provided before the patient's condition turns critical.

6. Keep the victim warm:
It is crucial to keep the patient warm and calm to keep their blood pressure under control. However, no caffeine or alcohol should be given. In addition, any food or beverage, including water, should not be provided since it will slow their metabolism.

7. No ice packs and self-medication:
Research shows that using an ice pack on snake bites is harmful and can add to your problems. Avoid the inspection and cleaning of the wound, and avoid using medicines that you might use for regular cuts and wounds. Don't take any action without proper knowledge. The hospital staff are trained to attend to the wound, the venom, and the medication for every circumstance.

Sticking to the steps mentioned above will buy the patient some time before the anti-venom can be injected. As mentioned, a snake bite can create a sense of panic and fear, but maintaining your calm and taking the first aid measures ensures that you have sufficient time before reaching the doctor or medical facility.

Life is full of surprises, some good and some bad. Being prepared always helps, which is why you should invest in good health insurance. With a plethora of options available in the market, you can sit back and not worry about the unnecessary expenses you might face in case of such emergencies.

Click HERE to find out more about health insurance plans that you can invest in.

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 number of vehicles on Indian roads is witnessing an ever-increasing trend. This graph simultaneously shows a sharp rise in online motor insurance policyholders. This is primarily due to the increase in the disposable incomes of families and the changing lifestyle. However, this has also resulted in a drastic increase in road accidents and road rage cases.

It is the need of the hour to promote safe driving on the roads so that people feel protected while using the streets. Providing various incentives for policyholders by online motor insurance companies may encourage safe driving on the roads. Let us see how.

1. Telematics:
Driver telematics is gaining popularity and is an important tool to study and alter irresponsible driver behaviour on the roads. It can also be used as a data analysis tool to provide insights into driving behaviour and reward or penalise a driver.
Telematics in insurance can be app-based or black-box based. It can be useful in tracking driver behaviour, speed, acceleration style, clutch use, braking pattern, etc. Motor insurers can develop a point-based system and reward safe driving on roads with positive points. This means you will be rewarded with positive points if you maintain a good average speed, do not jump traffic signals, and are not involved in any accidents.
On the other hand, you can be penalised by providing negative points if you overspeed, jump traffic signals, or indulge in rash driving and accidents.
The drivers with positive points at the end of the insurance term get a discount on their renewal premium as an incentive. Drivers with net negative points at the end of the year will be charged a higher premium as a punishment. This can provide drivers, especially beginners, a great incentive to drive safely and responsibly to lower their premiums.

2. No-claim Bonus:
Most online motor insurance companies already provide a no-claim bonus or NCB to incentivise safe driving under a comprehensive car insurance policy. You get discounts of up to 50% of the insurance premium at the time of renewal if you have yet to make any claim throughout the year.
NCB is a great incentive for policyholders to encourage safe driving on roads. It encourages driving responsibly and safely, thereby preventing accidents. NCB ranges from a 20% discount in the first year of renewal to 50% for the fifth or higher claim-free year.

3. Damages and dents:
Motor insurance companies can provide incentives such as discounts on renewal premiums to the drivers to keep their cars free from scratches, external damages, and dents. They can check for such external damages during insurance renewal and reward the customers with minimal or nil external damage. This will motivate the drivers to drive safely on the roads so that they do not engage in any collision or accident with other vehicles or property.

Providing incentives for policyholders to encourage safe driving on the roads is paramount and the need of the hour. The number of accidents and loss of lives and property due to them will decrease significantly. Moreover, this will benefit online motor insurance companies, as safe driving will mean fewer claims resulting in higher profits.

Online motor insurance companies highlight the incentives they plan to provide on their websites and all the portals providing online motor insurance services. Potential policy buyers should go through these incentives and policy details to choose the best online motor insurance policy. Irrespective of the incentives and benefits, drivers must always have the mindset of safe driving.

Click HERE to buy online motor 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.

Buying a bike is a significant investment for any individual. You put a lot of thought and money into the type of bike you want. The model, budget, brand, features, arrangement of finances are some significant factors a prospective bike owner must consider while making a decision.

An essential part of finalising the type of bike you want is determining the fueling system: carburettor or fuel injection system. For someone who desires to buy a motorcycle but is not technically sound, determining the difference between these two can be an exhausting process.

In this blog, let's understand the difference between fuel injection and carburettor in bikes so that you can get a clear idea about which one would serve your needs in the best way possible.

Let's have a look at the carburettor:
The carburettor is the traditional fuel-delivery system in two-wheelers. It has been the standard system opted by most manufacturers in India. The carburettor consists of a tube connected to a venturi. The venturi then reduces the fuel's flow by narrowing it into a cone-shaped tube. Air pressure is created by the device developing suction to draw the fuel. In layman's terms, the carburettor combines air and fuel in a definite ratio and passes it on to the combustion chamber.

Why should you opt for a carburettor?

1. They are relatively cheap, resistant and sturdy.

2. Affordable and easily replaceable.

3. Fine-tuning is possible (improves mileage).

4. Easily removable and serviceable.

What are the difficulties you might face?

1. You might experience a lag when you squeeze the throttle while riding.

2. It cannot achieve optimum fuel efficiency.

3. Prone to damage (wear and tear).

4. Dust blockages can be problematic.

Now, let's understand what a fuel injection system is?

A fuel injection system is a modern technology-based system used in bikes in the current times. It consists of multiple electronic components and sensors that form the Electronic Control Unit (ECU), which monitors the whole fuel-injected system. The fuel pump inside the tank monitors and controls the fuel flow. The ECU calculates the air and fuel needed for the combustion process.

What are the advantages?

1. Sharper throttle response with no lag.

2. Precise air and fuel mixture for efficient combustion.

3. Durable and low maintenance process.

4. Better mileage.

5. Reduced air pollution.

What are some hitches of the fuel injection system that you might face?

1. Comparatively expensive than the carburettor system.

2. Difficult to fine-tune without expensive and complex tools.

3. ECU takes a professional understanding of how things work. Regular mechanics might find it challenging to repair.

Those were the significant concepts, advantages and challenges to help you understand the difference between fuel injection and carburettor in bikes. This will help you determine which system would cater to your needs in the best way possible. Now, to make sure that you safeguard your bike during unfortunate incidents, it would be a wise option to get it insured.

Explore the market and buy the best two wheeler insurance online India which suits your needs. Digital technology has made it convenient for customers to purchase insurance of their choice online without any intermediary's involvement.

Click HERE to know more about how you can purchase 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.

Cars are fantastic companions for commutation, whether you're cruising along highways, navigating busy roads, or going off-roading. On the other hand, the technology-driven components of the cars determine their performance in various conditions.

The variety of car features has significantly increased in recent times, and you now have more choices when selecting your next car than ever before. One such option is a four-wheel drive (4WD) car based on the drivetrain system you want to use.

A 4WD offers to maximise the effective usage of the vehicle on rough roads and rocky terrains. It is an exciting concept that has been introduced in the automobile sector but requires good knowledge to utilise it to its best potential.

You need to understand the merits and demerits of 4WD to make the right choice before buying one.

Advantages of 4WD:

1. A widespread myth is that you must always drive your car in 4WD mode. You have the option of switching between 4WD and 2WD at any time. Modern four-wheel-drive automobiles have a button that activates or disengages all four wheels. So, if you don't require all four wheels to work simultaneously, you may drive around with the 2WD system.

2. In hazardous driving situations such as snow, ice, mountain regions, and other scenarios where staying in control is challenging, 4WD enhances traction and control by engaging both sets of wheels.

3. The improved traction gets combined with the engine's enhanced power. It provides the extra boost 4WD vehicles require to climb over obstacles and up steep inclines. It is ideal for off-roading and mountainous terrain.

Disadvantages of 4WD:

1. The most significant downside of 4WD is the increased expense of acquisition, and maintenance. The extra equipment (transfer case, differentials, etc.) increases the vehicle's complexity and weight, increasing its original market value.

2. Furthermore, the additional weight of a 4WD system and the additional power generated result in lower fuel economy than 2WD systems. Driving your automobile with all four wheels producing power will burn more fuel.

3. Drivers that employ 4WD may grow overconfident, leading to more situations where they become stuck. Excessive confidence can even lead to dangerous accidents if the driver loses control over the vehicle and fails to manage the power that is being generated.

4. The 4WD system connects the front and back driveshafts, ensuring that all four wheels revolve at the same speed. It makes it harder to turn the car because the wheels must move at different rates to corner successfully. The inner wheel rotates slower than the outer wheel, which must traverse a greater distance in the same amount of time. As a result, the outer wheel will rotate quicker. You will damage the transfer case, gears, and drive shafts if you turn the car with 4WD activated. Hence, it's best to use 4WD only for off-roading.

A 4WD is a fantastic investment if you enjoy driving off-road or if you have to deal with difficult driving conditions regularly. But don't assume you need 4WD to get to and from work.
Whether it is a 2WD or 4WD, securing your car from damages is paramount. Accidents are unpredictable, but safety can be defined beforehand. Buy car insurance policy online to stay financially shielded and protect your car to get the best returns on your investment.

Click HERE to buy car 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.

A person’s 20s are a hectic yet exciting part of life. Many gain financial freedom and start deciding how to spend their money wisely. The 20s are a time to be living it up, but it is highly sensible to shell out some money to invest in the best health insurance in India.

As you get older, getting health insurance becomes trickier and more expensive, and it is ideal for insuring yourself against the mounting healthcare costs early in your 20s.

This article gives insight into the benefits of getting insured in your 20s.

The waiting period will not affect you as much:

The waiting period in health insurance terms is when a policyholder cannot claim insurance for certain diseases, pre-existing ailments, etc. This is fine for a policyholder who takes their health insurance in their 20s. As the waiting period is spent in your 20s, when you have a lesser probability of getting diseases, you would be spending this waiting period at a time when you don’t need coverage.

As opposed to this, taking health insurance in your 40s or 50s is much more troublesome. You might have to compromise on getting the benefits of your health insurance and wait for 2 to 4 years before getting the disease-specific help you require.

1. Lesser premium:
Insurance providers assess the risk associated with a person before deciding the premium and the cover of a policy. Generally, a person in their 20s has a lower risk of needing the payout. Thus, the premium is much lower than a person in their 30s or 40s is paying for the insurance policy.

2. Tax benefits:
Health insurance plans provide another significant advantage in the form of tax deductions. Under the Income Tax Act 1961, one can avail of tax benefits if the policyholder pays out of pocket for the health insurance premium. You can avail of these benefits for yourself, your ageing parents, your spouse, and your dependents.

3. More comprehensive health insurance plans:
Being in your 20s makes you a suitable candidate for health insurance. This is because there is less possibility of pre-existing illnesses in these years. Your policy issuer automatically covers any new diseases that materialise after you’ve taken the insurance. Also, you can select a suitable plan according to your budget and requirements by researching the best health insurance in India

4. You can avail of no-claim bonuses for a long time:
No-claim bonuses are discounts on premiums given to policyholders when renewing their policy as a reward for not filing a claim within the policy tenure. The percentage of discount differs between companies. As there is a lower probability of filing a claim in your 20s, you can avail of your NCB for longer or transfer it during renewal.

5. Rejection rates are almost nil:
An insurance company may reject your application based on your medical history. As there are fewer chances of pre-existing illnesses among young individuals, there is less chance of rejection. Also, you may opt out of paying a copay in your health plans, which is impossible for aged policy seekers.

With the present trends of inflation, especially in the healthcare industry, it is prudent to purchase the best health insurance in India early to reap the benefits of protection for an extended period. Since the cost of living only increases as you rise in the ranks of your profession and earn more money, it is ideal to start investing in health insurance from an early age. We urge young professionals to consider investing in the best health insurance in India not just as a tax-deductible but to protect their present wealth and future earning capacity.

Click HERE to know more about 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.

Two-wheelers are always the easy moving, compact and sleek asset to glide through congested traffic and to move faster on the roads. Because of the ease of commuting and the low price compared to cars, they remain the first choice for the middle-income and young people.
If you are planning to buy a two-wheeler, you would say that a test drive of a few models is important. But practically, you should also read these six golden tips that help you make the right decision and save some money.

1. Purpose of purchase and requirements:

You should be clear with your objectives of buying a two-wheeler. Then, do proper research of the types, models, and other requirements, including the reviews of your shortlisted brands. Bikes are a versatile commodity, and they come in numerous shapes, sizes, types, and brands. You can use them for long rides, sports or racing, or as a day-to-day commute vehicle. Therefore, considering how and where you will use your two-wheeler is essential to finalise the model.

2. Set your budget:

Make sure that your dream two-wheeler suits your pockets too. Decide on a clear budget for your purchase and look for the bikes in that range. This helps you to narrow down the choices and the best fit. Remember that you will have to take care of maintenance, service and insurance of your bike as well.

3. Effortless handling:

Don't compromise your physical abilities and feasibility for some cool model of bike that you see. Choose the perfect height and the weight of the bike that you can handle conveniently. If you enjoy speedy rides, then you should opt for a sports bike. But if you are a family person, then sports bikes are not your category. Always give preference to high-performance and bikes with good mileage.

4. Maintenance and aftercare:

Make sure that the model or type of bike you choose has extensive and quality service centres. Wide network of service centres helps you to get your vehicle repaired easily. In addition, multiple brands offer free extended service options for a certain period that can save on maintenance cost. Also, keep in mind that regular servicing and good maintenance are necessary for the long life of your bike.

5. Customer reviews:

Customer reviews are crucial and can give you some genuine feedback about the two-wheeler you are considering. Thorough research of on-road reviews of users can further provide you with information about the two-wheeler, its attributes, real-time mileage, and many other aspects that a salesperson at the showroom might not tell you.

6. Purchasing insurance:

Your task doesn't end with just buying a bike. Bike insurance is essential and a must thing to be done. Insurance coverage for two-wheelers got mandatory after the Motor Vehicle Act in 1988. Adjust your budget according to your annual insurance premium. For safe and easy rides, secure your vehicle with bike insurance. You can also check bike insurance online for the best premium. Compare it all and choose the best fit for your bike and act smartly.
Lastly, make sure you compare across various brands and look through multiple dealers and the offers.

PURCHASING A NEW BIKE? CLICK HERE TO KNOW THE BEST ONLINE BIKE INSURANCE… 

Motorcycles are a motorhead's most prized belongings. While some people use them for transportation, others use them for enjoyment and sports. Owning a motorbike requires taking care of it and ensuring that it is not damaged. Even when navigating challenging terrain, a well-maintained bike will not let you down. However, ignoring your bike may result in unnecessary damages.

Keeping your motorbike in perfect condition is as significant as owning it. To help you with that, we've discussed five essential points to keep your motorbike in good working order.

1. Changing your bike’s engine oil at regular intervals:
Multiple mechanical pieces constantly move and rub against each other in your motorcycle's engine every day. To ensure their best functioning and to reduce friction, you must lubricate them with motor oil. Unfortunately, dust and particles thicken the oil with time, reducing its lubricating power. Changing your motorcycle's oil every 2500-3000 kilometres helps improve performance and safeguard the engine from harm caused by outside elements mixed in with the old oil.

2. Checking the drive chain:
The drive chain is an essential component of your motorbike, and neglecting it is a call to a shorter service span. Inspect your drive chain regularly and ensure that the chain tension is correct. Lubricate it, particularly while it's heated. This allows the oil to flow and get into all portions of the chain, making it smooth for functions.

3. Taking care of your tyres:
You simply can't get anywhere without the tyres of your bike. The big rips or cracks on the tyres can cause them to lose friction. Check if the tread depth is within the approved limit. Don't hesitate to change them if you believe they are no longer safe.
Also, check the air pressure of the tyres regularly. The proper air pressure reduces or eliminates the possibility of a puncture, enhances bike control, and extends the life of the tyres.

4. Looking after the filters:
When your bike's air filter is congested, the engine has to work harder. Experts recommend cleaning the air filter using compressed air. If you realize that cleaning the air filter is becoming tricky, it is time to replace it. You must also ensure that the gasoline filter is clean and that the fuel lines are free of corrosion and cracks. You must repair them right away if you see any damage.

5. Checking up on your brakes:
Check brake fluid levels at regular intervals to ensure your motorcycle's brakes are properly functioning. Replace the brake fluid according to the manufacturer's instructions. In addition, you should check the thickness of the brake pads and replace them when needed.

Give your time to work on the above tips to keep your bike operating smoothly. This will help your 2 wheeler survive longer while giving you a comfortable and trouble-free riding experience.

Also, don't delay taking your motorcycle for regular servicing. Although this will cost you a few bucks, if you think of a longer run, you'll only benefit from it. Insurance is another way to take care of your bike. You may purchase 2 wheeler insurance online and choose the one with an attractive premium and additional features to safeguard your vehicle against any mishaps.

Click HERE to explore all the 2 wheeler 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.

Are you buying a new car? If you're a teenager, or an adult, getting a car is always a great feeling. So, excited to get behind the wheels but haven't driven a car before? Don't let the fact of being naïve hold you down because you have to begin from a lower level.
We bring some essential tips that will help boost your learning process for becoming a good driver. But, before that, don't forget to safeguard your vehicle with car insurance. We recommend you get car insurance even before you start learning how to drive.
Here are six car driving tips that every new driver should follow:

1. Get comfortable in your vehicle –

Multitasking is required while driving a car, particularly with the legs. With your feet, you must manage the clutch, brake, and accelerator. Therefore, make sure that you're positioned comfortably in the driver's seat. You should be at ease while reaching these controls. Maintain good posture, adjust your seat sliders, and place yourself in such a position where you can see all of the mirrors.

2. Hold the steering wheel in the correct manner –

This small thing is going to make a huge difference in your learning process. There's a lot you can learn about steering handling. But we'll just use the thumb rule for now. Much like a clock, grip the driving wheel with your hands at 9 and 3 o'clock for good steering control.

3. Avoid distractions –

Because most people become worried when driving, it's important to avoid anything that may lead you to lose attention and become distracted. Therefore, put your phone away because it may cause disturbance throughout the driving. The same holds true for music; we advise against playing loud music while learning how to drive.

4. Start slowly and increase progressively –

Begin your learning at a slow and steady pace. Keep a close eye on your speed and get used to it. Increase your driving speed once you're comfortable at the current speed.

5. Drive with a right mind-set –

Driving requires a lot of focus as a novice to know when to push the clutch and which way to shift the gear. Your behaviour may impact and hinder your learning process if you're uptight or in a foul mood.

6. Drive-in all situations and with different vehicles –

Get off the familiar territory and explore new routes once you've learned the basics and are comfortable with your inputs. Again, don't go all-in on a congested city trip. Take things slowly, and don't be scared to experiment with different cars. This will help you in gaining self-assurance and achieving your objective more quickly.
To sum it all, the above tips will help you in becoming a good driver, but keep in mind that the road is full of unknowns. You must safeguard your brand new vehicle with car insurance. Even if you are not at fault, a vehicle accident may be costly. Moreover, managing and paying for it can be expensive, time-consuming and hectic. A good car insurance policy beforehand comes for your car's protection.

KNOW MORE ABOUT THE BEST CAR INSURANCE POLICY HERE… 

Your vehicle’s dashboard is usually something you don't give much attention to. That's because, unless something goes wrong, it often appears the same every time you drive. Cars have thousands of moving components comprising dozens of linked systems powered by cutting-edge technology and sensors. With that much computing power on board, if any error occurs, your car will undoubtedly alert you about them.

All the warning indicators in your car are explained in detail in your car's user manual, but reading through it may seem like a chore to many. However, the warning lights are there for a reason, and knowing what they represent can prove to be the difference between a good trip and a breakdown.

Here are five warnings that appear on all vehicle dashboards that you should never ignore.

1. Engine warning indicator:
This indicator means there might be a problem with your engine's primary systems. This problem might be as minor as a faulty sensor or a damaged spark plug or as severe as a damaged fuel pump. This indicator blinks for a few seconds when you start your vehicle. If the indicator remains on or blinks continuously, it indicates a serious problem.

2. Oil pressure indicator:
This indicator means that your engine's oil pressure is low. This might also mean that you're keeping low on engine oil. If this light comes on, turn off your ignition right away. Oil's shortage can cause irreversible engine damage. Check the oil level once you've parked safely on level ground. Fill it up if it's below the required mark. If the oil level is adequate, this might indicate a problem with the oil pump.

3. Brake warning indicator:
This indicator shows that you have left the handbrake on. Still, if it continues to flash even after you release the handbrake, it might indicate a problem associated with the braking system. See a mechanic right away.

4. Battery indicator:
It signifies that the alternator responsible for charging your car battery is malfunctioning and cannot provide an adequate charge. As the cells degrade with time, it might also be an issue with the battery. With the alternator and battery functioning poorly, you should minimize its load by turning off systems like AC and LEDs. Find a mechanic at the earliest because there may come a time when your vehicle won't start at all.

5. Engine temperature indicator:
The indicator typically signifies either your engine is overheating, or your coolant level is low and needs refilling. When this indicator flashes, it’s best that you immediately come to a halt and allow your engine to cool down. Check your coolant level and search for any leaks once the car engine has cooled. If the coolant level is correct, this indicator trigger might be a sign of a more severe issue, such as a damaged water pump.

An overheated engine can distort, causing parts to fail. Avoid driving further and tow your vehicle to the mechanic to avoid further damage to your car’s engine. Your car insurance features like roadside assistance will help you get complete service in case of any mishap in the middle of the road. You can enjoy the benefits of car insurance coverage without spending money from your side.

While these indicators signal that something needs attention, there is typically no reason to be alarmed. Most warning indicators will not leave you stuck, so you can generally safely drive yourself to a service station. Remember that these indicators change across automobile manufacturers and even within the same manufacturer's models. It is best to check with your mechanic if something worrisome flashes on your vehicle dashboard before it gets you in trouble.

Click HERE to know more about different car insurance plans suited 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.

In today’s pandemic time, wellbeing and health have become more important than ever before in our life. People have started giving serious attention to personal health like their career, entertainment and other things. Change in day-to-day habits, increase in pollution, and several other factors severely impact an individual’s health. It may lead to multiple health diseases and medical problems.
Medical bills for such diseases are high, and to protect yourself and your family from this burden, one must invest in a good health insurance plan. You can check for online health insurance policies of various companies by comparing their schemes and payable premiums.
Apart from a good health insurance plan, a regular workout and a proper diet are essential to maintain a healthy lifestyle. Following are some of the many benefits of exercising and keeping a balanced diet.

1. Prevention of disease:

Regular exercise and proper diet can prevent heart disease, high cholesterol, diabetes, high blood pressure, arthritis, and several types of cancer. Appropriate workout regimes and diet can boost your immune system to fight against all kinds of diseases.

2. Boost your mood and energy:

Diet and workouts have a significant impact on your mood. A chemical called endorphins is released due to certain exercise forms, which helps make you feel positive. A good mood and positive energy can make your day more productive at work. It also helps you to remain mentally fit.

3. Brain health and memory:

Various nuts and fruits included in your diet can help you sharpen your brain memory. Even meditation benefits you to concentrate on things quickly. The studies prove the benefits of physical exercise, especially aerobic exercise, with positive effects on brain activation on multiple fronts.

4. Relaxation and sleep:

Many of us might be concerned about our sleeping habits. A proper workout helps you to get a sound sleep. But, on the other hand, a heavy meal can turn your night into a restless one. So, both things should be in proportion, and these restless nights can turn into rich ones.

5. Help in weight loss:

Improper diet and workouts can lead to obesity, which can cause many cardiac diseases. Cardio exercises like aerobics, running, cycling, walking can help you to reduce your obesity level. Fewer intakes of calories in your diet will help your metabolism work fast and digest your food soon. Lower the fat content in your body and lessen the chances of getting ill.

6. Good for muscles and bones:

Physical activities like weight lifting and a proper amount of protein can help you build your muscles. It also helps to grow the strength of your bones and their density. Have an adequate amount of nutrition in your meal, and you'll surely see the outcome in future.
Apart from diet and proper exercise, you should have a full-body check-up once a year. An early diagnosis can help you to recover from various diseases and helps increase your lifespan. Various online health insurance companies provide complimentary full-body check-ups of the client once a year post renewal.
Your entire lifestyle wagon wheel relies on these crucial aspects, so plan your roadmap to health and fitness thoughtfully. Any negligence in this can land you up into severe trouble.

LOOKING FOR THE BEST HEALTH INSURANCE PLAN FOR YOU? CLICK HERE TO KNOW MORE… 

Your bike reminds you of road trips with friends and many other memories. But after a few years of use, there comes a time when you realize that you don't really need it now. Either you've outgrown your bike, upgrading to a four-wheeler or for any other reason, you have decided to sell your bike.

At this time, you want a good resale value for your bike and the key to a good resale value is finding a genuine buyer who can pay the highest price for it. But, before that, there is a crucial step of valuation to determine the offer you expect to get.

Read ahead to know what you should keep in mind while selling your two-wheeler at a high resale value.

Valuation: Numerous factors influence the value of a used vehicle. Several websites and tools are available online to calculate and provide you with an approximate resale price for your vehicle. You may also go to your local garage and ask for their opinion on the matter.

A few of the primary deciding factors are age, model, kilometre run, insurance record, ownership (whether it's first-hand or second-hand), overall condition of the vehicle, and engine. Always remember that getting a good value for your bike depends on the bike's physical condition and your negotiation skills.

Documentation check: To get the best valuation of your bike, ensure all the documents like the registration certificate and bike insurance policy are with you. The documents transfer process should be conducted in the new owner's name as soon as the payment is made.

Along with the RC and Bike Insurance Policy, the other required documents are Road Tax Certificate, Form 28 – Application, Grant of No Objection Certificate, Form 29 – Notice of Transfer of Ownership of a Motor Vehicle, and Form 30 – Application for Intimation and Transfer of Ownership of a Motor Vehicle.

You may visit your nearest RTO office for further details on the matter. You'll be given instructions to send certain documents and forms to the authorities, thus intimating them about the change in ownership and sale of your two-wheeler. You shall receive an acknowledgement providing that you submit the authentic documents.

Timely transfer of the mandatory third-party liability is essential. If the sold bike is involved in any accident and the insurance is not transferred, the original owner is held liable.

Finding a buyer: The most important thing for a good value is finding a buyer who is willing to pay you a good amount for your two-wheeler. There are two good options you can choose from to find the perfect buyer:

1. Local garages – It is an old-fashioned way of reselling goods, still one of the quickest to avail cash. The advantage of selling your bike at a local garage is that the finalization of the deal is often done the day you walk in. It is generally preferred to sell a thing locally to avoid processing fees.

2. Online Markets – It's becoming another popular and easy way to sell your old bike. There are multiple websites like OLX and eBay wherein you can upload a few pictures plus provide an in-depth description of your vehicle, and the interested buyers contact you.

Always be patient and wait for a few good offers while selling your bike. You might have to deal with a rookie with no knowledge, like a first-time buyer or an expert in the field who regularly deals with such negotiations. The key here is your negotiation skills. So be confident about your vehicle and your valuation, and you will surely find a good deal.

YOU CAN RENEW YOUR OLD BIKE INSURANCE ONLINE HERE…

Lubricating the car is essential to ensure your vehicle's overall fitness and functionality. The regular oil change is relatively an affordable maintenance task your vehicle requires, but the more important question is: How often should you change your engine oil? This entirely depends on the car’s usage. As a driver, you must look for typical signs your vehicle displays when it needs an oil change. You must detect the hints in advance to prevent them from developing severe damages.

This article will explain the top eight signs to heed that indicate an immediate oil change for your car.

• Check the oil change light. The engine sign will turn on if there isn’t enough oil in the engine. So, check the tank to discover what’s going on when the engine sign flashes.

• Engine knocking and noises. The oil acts as a friction barrier between engine components, preventing them from brushing and keeping the engine running silently. The engine noise will get intensified if the oil isn’t working perfectly.

• Change in the colour of the oil. The oil becomes darker and loaded with particles gathered from the engine as it gets utilized. Check your engine oil at least once every month by removing the dipstick from the oil tank. Make sure to wipe it clean before replacing it.

• Smoke from the exhaust. Your car’s exhaust always emits clear gas. But, if you observe smoke coming out from the exhaust, it’s time for a thorough engine inspection. It’s possible that you have a defective engine part or probably an oil leak.

• The odour of oil around the car. When you smell oil inside your vehicle, it’s usually a symptom of an oil leak. The car may overheat if you smell gasoline or vapours. In that case, you should schedule servicing right away after experiencing this.

• Excessive Travel. Consider an oil change quicker than the standard interval if you drive excessively. For example, you should change the oil every 10,000 km or half a year in new cars. For older cars, consider using high-mileage oil and change that every 5,000 Km.

• Fuel efficiency is poor. You would observe a decrease in fuel economy. However, this might indicate other issues with the fuel system, engine, or exhaust system. But an engine may fail to function if it isn’t getting adequately clean oil.

• The engine keeps stopping. If your car has been experiencing repeated engine difficulties, you should examine it. If your car stalls or feels like the engine seizes up at times, you might have low engine oil, poor oil, or an oil leak.

Only knowing how to drive a car isn’t enough; maintaining it is just as necessary. As with every other machine, your car won’t perform the best if not taken care of regularly. If you don’t change your car’s oil regularly, its performance can degrade quickly, resulting in catastrophic damage to your vehicle.

To avoid the consequences, you must watch out for indications that lead you to the warnings of an oil change. Like oil, your car insurance is another thing that needs continual renewal. Car insurances are financial saviours and are required when they are about to expire. Do not forget to check out your car insurance renewal dates and keep them updated to enjoy the uninterrupted benefits of the existing policy.

For your car insurance renewal, 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.

A shiny car with an attractive colour is a head-turner for anybody. After all, it's also a reflection of your personality. Yet, a few years down the line, the paint on the car usually loses its sheen and begins to look dull and dead. Failure to provide regular care to the car paint is the most common error car owners make.

Getting a brand new paint job can be heavy on your pockets and lower the value of your vehicle, but if you take care of things, your car's paint lasts for years. Along with below mentioned little important tips about proper care of the car's paint, we also recommend you to possess a car insurance that offers you coverage against any damages to the vehicle. You can also check online car insurance for the best premium.

1. Cover up your Car: Sometimes, the simplest of things are the most efficient ones. For example, putting a cover on your car for as long as possible is the key to preserving the paint. Also, owners who park their vehicles in an open area have to take special note of this point as their cars are more prone to damage by bird droppings, direct sunlight, and dust.

2. Regular Car Washes: A car wash at regular intervals would go a long way in protecting the paint of the car. However, only washing won't help; you need to wash it correctly to get the best results. For that, use a sponge, and a car shampoo specially made to suit a car's paint. Never use detergents and cloth. They cause more harm than good.

3. Drying is Equally Important: Washing alone isn't enough. If you leave your car to dry on its own, you're doing it wrong. The leftover water can cause a lot of damage to the paint. Always dry your vehicle right after a wash, that too in the correct way. Use a microfiber towel or a weave fibre cloth for the drying process.

4. Wax your car. Do not polish: While both of them are the techniques to bring out the sine on your car, there's a big difference between them. Polishing brings out the lower layer when a layer of the paint job is removed. On the other hand, waxing adds an extra layer of protection to the paint and is always suitable for your car.

5. Repair the damages: If your car has suffered from scratches and rust already, take the help of a car paint shop and repair the damages. The longer the scratches stay, the harder it takes to treat them and may permanently damage the paint job. The minor scratches can cause a lot of damage to the surrounding area of the body paint. So do not neglect these minute things and fix them before they create trouble for your car.

Additional coatings like vinyl wraps, paint protector film, and clear coat protectors can bring an extra layer of security for your car paint. Following these simple tips will surely turn your dull looking car into a shiny prize. As stated earlier, pick a suitable online car insurance plan as early as possible that will benefit you and your vehicle for an extended period.

CLICK HERE TO CHECK THE BEST ONLINE CAR INSURANCES THAT YOU CAN PURCHASE RIGHT NOW, SITTING AT THE COMFORT OF YOUR HOME… 

Two-wheelers are the most preferred travelling option for people from home to the workplace as they help your way through traffic smoothly. Moreover, as they have become daily support for middle-class families, many have dreamed of buying a two-wheeler, mainly since the pandemic emerged.

There are plenty of benefits to buying a second-hand two-wheeler. But before you purchase one, there are a few important things you need to keep in mind to ensure that you get the best value for money. For example, you don’t want to buy a vehicle that troubles you with additional money on maintenance or repair.

Below are a few tips to help you get the best deals for your second-hand two-wheeler.

1. Understanding the purpose of your vehicle:
If you need a vehicle for long trips, you will have to search for a high-performance touring bike to make your journey pleasant. Similarly, if you need a two-wheeler for your daily use, you may look for a comfortable motorcycle or scooter with a decent average.

2. Finding where you can purchase two-wheelers:
There are plenty of resellers available, both online and offline. You can directly approach offline showrooms of used two-wheelers or ask your friends for referrals. You can also check for resellers online to find a credible seller. It always helps if you connect with them in person and understand all the details.

3. Check the two-wheeler thoroughly:
Sometimes what you see online can be deceiving. Therefore, it is essential to check the vehicle personally. When you check the two-wheeler in person, you can observe the minor details such as any scratches, dents, and how well it is maintained. No matter where you buy the vehicle from, there are two necessary checks:

• Mechanical check

• Paperwork

In mechanical check, always look out for any rust, scratches, engine check, oil check, oil leakage (if any), dents, mileage, accident damage, brakes, air cleaners, gears, clutch, how many kilometres it has run already, and more.
Similarly, you need to check for a PUC certificate, RC book, service history, tax certificate, NOC, and more for paperwork.

4. Ask for a test drive:
The best way to know if the vehicle works appropriately and suits you the best is to take a test drive. Taking a test drive will help you understand if you are comfortable with the bike’s performance and power. Even if your bike looks perfect, it may not be a comfortable ride for you. Therefore, ensure that you do not miss out on the test drive.

5. Know the market value and negotiate well:
Once you are satisfied with the vehicle’s condition and the documents, you can do thorough research online about the current market value of the two-wheeler you are purchasing. You can talk to the seller and negotiate for the final price you are willing to pay. Once you and the seller come to a final price, you can sign the official paperwork and make the payment!

The tips mentioned above can help you pick the best two-wheeler and ensure that you are getting the best deals! But remember that buying a second-hand two-wheeler is just the first step. You need to ensure its safety by adding a layer of protection in the form of 2 wheeler insurance. You may opt for 2 wheeler insurance online and avail exciting deals and lower premium options offering the best value-to-your-money.

Click HERE to buy 2 wheeler insurance online for your two-wheeler.

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.

“Blood sugar” is termed as the amount of sugar present in the bloodstream of a body at a given time. Glucose is known to be the primary source of energy for a body. Therefore, having a stable blood sugar level is immensely important to carry a healthy lifestyle.

If the sugar level is disturbed, it can result in dullness in energy, anxiety, moodiness, fatigue, improper sleep, food cravings, brain fog, and diabetes if ignored for a longer time. Blood sugar can get out of control for two major reasons: either too much glucose or too little glucose for the body. In the first condition, your body gets more sugar than the body is habitual to, and in the second case, sugar is supplied in an inadequate amount. A balanced sugar level ensures sufficient quantity of glucose in the body.

Let’s understand 6 effective ways to keep your blood sugar level stabilized:

1. Daily exercise – Regular exercise helps maintain weight and improves insulin receptivity. An increase in the receptivity of insulin simply means better absorption of the sugar existing in the body. So remember, daily exercise is the most crucial aspect of the blood sugar management plan, and you should not skip it.

2. Tracking sugar levels – Monitor your blood sugar at regular intervals. It helps you track the sugar level and the changes you need to keep the levels managed.

3. Keep an eye on your diet – A well-planned diet is necessary for keeping blood sugar in control. The carbohydrates from foods are further broken down into sugars to provide a source of energy to the body. Hence, a low-carb and more fibre diet is ideal for balanced sugar levels. A rich fibre diet plays a preventative role and helps maintain your blood sugars.

4. Hydration – As a means to prevent your kidneys from flushing out the excess sugar in case of dehydration, drinking enough water throughout the day is very necessary. Water also ensures a lower risk of high blood sugar.

5. Quality sleep – Improper sleep or lack of adequate sleep can affect blood sugar and insulin receptivity. It releases growth hormones which may lead to weight gain and disturb the production and supply of sugars in the body. Avoiding caffeine before going to bed and sleeping in a cool and dark room helps you with a sound sleep.

6. Moderation – Maintaining moderation in daily activities will eventually lead to balanced blood sugar levels. Therefore, diet, weight, and proper exercise should be in a calculated proportion. Small steps to keep you active in the right direction can yield significant results in improving or preventing blood sugar.

Any diabetic person is not restricted from having health insurance and can get help for the care through a good health insurance policy. There is coverage of both type 1 and type 2 diabetes in a diabetes health insurance policy. In addition, health insurance also provides features such as illness related to diabetes and all costs and expenses for the treatment. Health insurance with Medicare advantage plans will also cover the cost of insulin. Make sure to check the benefits of the health insurance before you buy a health insurance policy.

WANT TO BUY AN IDEAL HEALTH INSURANCE PLAN? CLICK HERE FOR MORE INFORMATION… 

Understanding that two-wheeler insurance is as important as your health insurance because your vehicle needs coverage and security too, is very important. Not having insurance coverage leaves you vulnerable to financial damages during unfortunate accidents. But with insurance and its premium, there comes two more necessary factors, IDV and NCB.

If you are a first-time insurance buyer, then understanding IDV and NCB will help you decide on better insurance for your two-wheeler. Let's understand them and their benefits in detail.

Insured Declared Value (IDV) tells the actual market value of your two-wheeler. It's the highest sum of the amount insured that your insurance provider has promised to you. In case of theft, accident, or total loss of the vehicle, you will get compensation as per the IDV of your two-wheeler. Likewise, you can claim it in case of damage or replacement cost of your two-wheeler.

Two-wheeler is a tangible asset that doesn't always stay new. Hence, its value depreciates over the period, and as it becomes older, its premium amount also gets lesser. As a result, the IDV also reduces.

Never declare lower IDV than your bike's current market value to get a lower insurance premium. In case of any bike theft or total damage, your claim amount will be relatively much lower, thus making a significant loss to you.

No-Claim Bonus (NCB) is the total accumulated amount yearly. As its name suggests, it is a reward that the policyholder gets during insurance renewal for the two-wheeler. This bonus is offered in the form of a concession of the premium paid on insurance by you.

Below are the points why IDV and NCB play an essential part in determining your vehicle's insurance premium:

1. If you want to conserve your benefits of NCB, but unfortunately, meet with some mishaps, then you stand no chance to claim your bonus. A 'protection cover' can be helpful for such situations, which you can add to your NCB. It is nearly 10% of your premium amount. Though the number of claims are limited, this still helps to conserve your NCB bonus.

2. The main advantage of NCB is that it is more beneficial to the policyholder, not the vehicle. For example, if you opt a NCB for a new 2-wheeler, you can transfer it from your old two-wheeler to the new vehicle.

3. Your IDV mainly depends on the age of the vehicle. The other factor in deciding on IDV is the condition of your two-wheeler. So, it is crucial to evaluate IDV correctly, which further helps you with better insurance with a suitable premium.

4. When you opt for renewing your 2-wheeler insurance online, keep in mind that your premium depends on IDV. Lesser the age of the bike means higher IDV and higher premium.

As a final piece of advice, if you want to save more on insurance, then declare the correct IDV of your vehicle and get the benefit of your NCB. Both NCB and IDV balance your insurance premium and the cover to your two-wheeler.

LOOKING FOR RENEWAL OF YOUR TWO-WHEELER INSURANCE ONLINE? CLICK HERE FOR THE BEST POLICY…

In recent years, people often inquire about the mandatory two-wheeler insurance and the strict regulations and penalties if a vehicle doesn't comply with an insurance policy.

Third-party 2 wheeler insurance covers the loss incurred by the property of a third-party or third-party injury by your vehicle. The third-party plan also covers the compensation in case of the death of the third party person. This insurance does not provide you with the option of choosing add-ons, nor does it offer the cover for your own vehicle damage like in the Comprehensive Insurance Policy.

But, the premium here is comparatively lower than that of the Comprehensive Plan, which as the name itself suggests, is a wide range of overall insurance for your vehicle. Therefore, it is always advisable to opt for the Comprehensive Policy for more features and a wider coverage option, including the mandatory third-party 2 wheeler insurance.

Now, read below the stepwise guide on how to claim third-party 2 wheeler insurance. Consider a situation where damage to your two-wheeler is caused by another vehicle in an accident. To file a claim to your insurance agency towards the medical expenses and repair of the vehicle under third party insurance, you need to follow the given steps:

1. Take down the vehicle's details involved in the accident and of the vehicle owner

2. Try and click photographs of your damaged two-wheeler

3. Look around for any surveillance cameras or eye-witnesses and note down their contact details

4. File a First Investigation Report (FIR) at the nearest police station from the event site

5. Inform the insurance company about the incident and follow their instructions for further action

6. File a case with the Motor Accident Claims Tribunal Court with the help of a lawyer. Attend the court proceedings, inform the court of the actual occurring and submit all the required documents and details

7. Share the court's order with the insurer, and you will receive compensation for the expenses of the damage

8. Always remain truthful and honest on your part without hiding anything from the insurance company. You may invite trouble by making a false claim or if the fault is on your part

Documents required at the time of making a third-party 2 wheeler Insurance Claim:

1. Driving License

2. Registration Certificate (RC) of the vehicle

3. Insurance Policy Documentation

4. Pollution Under Control (PUC) Certificate

5. First Investigation Report (FIR) of the incident

6. Receipt or bill of any vehicle repair

7. Duly filled and signed claim form

8. Duly signed Satisfaction Voucher (SV) or Discharge Voucher (DV)

Do not become aggressive or angry at any time and remain calm. It will help you think of the next step more efficiently. Trust the 2 wheeler insurance and be patient throughout the process. But, do not delay in taking action and starting the process. Avoid agreeing upon any monetary settlements as they qualify to be illegal.
It is always better to be cautious than to claim insurance for damages. So drive carefully and follow all the safety measures!

APPLY FOR THE BEST THIRD-PARTY TWO-WHEELER INSURANCE FOR YOUR VEHICLE HERE… 

Relocating to another state appears to be a daunting task if you’re experiencing it for the first time. There are multiple things to take care of while planning a relocation. From packing stuff and moving to another state to adjusting to the changing environment can irk you badly.

What worries you the most is the transfer of your bike registration that needs to be thoroughly examined during the entire relocation process. You need to acquaint yourself with the registration process of the new state and accordingly schedule your timelines for the same. This is indeed a cumbersome task, but we are here with our guide to make this process a swift one before it turns out to be a daunting task.

1. New state, fresh registration:
There are two scenarios that you need to understand. First, if you are relocating for less than a year, you don’t need to transfer the RC. But, if you’re planning to settle in the new state for more than a year, then you will have to go through a transfer process. Initially, you need to visit the RTO near your area and get a No Objection Certificate (NOC) as clearance for your bike. Then, after transferring to the new state, you will have to apply for fresh registration of RC of your motorcycle in the RTO of the new state.

2. What documents to carry?

Following is the list of documents required for the re-registration process.

• Original copy of Previous Registration Certificate.

• Three copies of Form 28 or the NOC issued by your local state’s RTO.

• NOC obtained from the local police station.

• NOC from Traffic police personnel.

• Form 20 as the application for the registration of the motor vehicle.

• Form 27 as the application for the assignment of a new registration mark to the motor vehicle.

• Attested copy of address proof.

• Attested copy of valid insurance.

• Attested copy of the Pollution Under Control Certificate (PUC).

• Copy of PAN Card or Form 60 and 61

3. Visit the RTO of the new state and complete the re-registration:
Visit the local RTO at your new location with all the above documents and fill your application for re-registration. Carefully provide all the essential information and verify all the documents thoroughly before submitting them to the officials. Once you fill the form and submit all your documents, you’re through your bike registration in the new state.

4. Fill the new road tax challan followed by vehicle inspection:
After completing the registration process at the new RTO, you will be asked to pay the required fees for that state’s new road tax challan issued by the RTO. Make the payment and collect your challan. The next step is the inspection of your bike. An RTO officer will conduct an assessment of your vehicle to check the condition of your bike and its parts. The primary purpose of the inspection is to ensure that your bike qualifies all the general safety requirements. All the collected data is stored for future reference along with the imprint of the chassis number.

5. The last step, and it’s done!
After completing verification, if your RC gets approved, you will be allotted a date to visit the RTO and collect your new RC.

To sum it up, make your relocation process manageable by following our guide. Follow all the steps mindfully and without any delays. Importantly, complete the entire registration process before your NOC expires. Considering all these factors, it is also essential to inform your bike insurance provider about your relocation. Provide all the details to the insurance company to verify your case and compute the insurance premium for your bike.

Click HERE to get the details about bike insurance to satisfy 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.

Imagine you are on a road trip, and suddenly you encounter a “flat tyre” situation. While you may think you should let a mechanic handle it, sometimes giving it a try on your own can be a much easier job to do. Changing the tyre is not challenging, nor does it need you to be “strong.” Just a few tips, and you are sorted to fix the issue all by yourself. In this blog, we have broken down the steps to learn how to change your tyre quickly!

Before you learn how to change the tyre, here’s something you should note:

Remember to keep a spare tyre in your car for emergencies. Moreover, pull over to a safe place and avoid parking on a slope or a dangerous road.

Furthermore, whenever you park, keep your parking lights on. This is crucial when it is dark so that the passing vehicles on the road will be aware of your car which reduces the chances of accident.

What are the tools you will need?

Before we begin with the steps, these are the tools you will need to change your vehicle’s tyre on your own.

● A spare tyre

● Carjack

● Lug wrench

● Wheel nut key

● Reflective jacket

● Car owner’s manual/handbook

Additional things you may need:

● Torch

● Gloves

● Warning triangle

● Wheel wedges

● Short plank of wood (optional)

Step-By-Step Guide to change your vehicle’s tyre on your own:

If you learn how to change your vehicle’s tyre once, you can easily do it whenever you need it next time.

Step 1: Pull over to a safe place and prepare for your tyre change. Pull the hand brakes and keep your vehicle in the first gear. Now, take out all the essential tools mentioned above. If you have an automatic car, put it in the “park” mode.

Note: If you have people sitting in your car, ask everyone to stand in a safe place. Avoid people sitting in your car until the tyre has been changed.

Step 2: Now, loosen all the nuts from the wheel by rotating them anti-clockwise. Note that you only need to loosen the nuts to a point where they are rotatable with your hand and NOT remove them altogether.

Step 3: If you are unaware of your car’s jack point, check out your car’s manual. Now, use your jack to uplift the vehicle. You can use the small wood of plank to keep the vehicle stable; this is crucial when the road is uneven. Raise the car 10-15 cms above the ground.

Step 4: Next step is to remove the loosened wheel nuts and remove the tyre using a cross-wrench.

Step 5: You can remove the dirt or rust in the vehicle hub and start placing your new tyre.

Step 6: Fit all the nuts into the tyre and tighten them with your hands.

Step 7: Use the jack to lower your car to the ground level again.

Step 8: Now, tighten the screws fully with the cross-wrench. Give a final check to the tightness and if needed, go to the nearby gas station to get the pressure level checked.

Take your punctured tyre for repair and later replace it with the spare one.

Since you know how to change the tyre of your vehicle, next time, you won't have to wait on a street for a mechanic or a passerby to come for your help. Besides learning the essential maintenance tips, it is also important to invest in the vehicle’s safety against heavy damages caused due to uninvited accidents. Buy motor insurance online and get useful coverage add-ons for your vehicle’s servicing and repair works.

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.

If you get to have a conversation with a motorhead, you'll probably hear them say that the joy of riding a motorbike comes second to none. A feast for the senses, riding is exhilarating and comforting to motorcyclists. It fosters joy, excitement, thrill, and pleasure. When you ride, you feel liberated, and there is always something new to discover and learn when you're on the roads.

Life throws a lot of experiences at you while on a motorbike trip. You can learn a lot about yourself and others while you are steering your way through the places and covering distances. Bike trips are much more than fun. Such trips can be a great way to connect to your deeper self and unravel fresh experiences and valuable lessons that may change your perspective towards life.

Here are a few life lessons that you can learn when you set out for a bike trip.

1. You’re a tiny but important part of this world:
As a motorcyclist, you share the road with fellow riders. It’s important to respect each vehicle on the road. So, consider yourself important as your discipline makes a significant contribution on the road.

2. Life is too short:
We all have witnessed reckless drivers—cutting into lanes without proper signals, speeding in single lanes, and whatnot. Viewing any mishap or accident is a terrible experience during your long riding trip, but you realize how suddenly things can change. It makes you more careful and appreciative of everything as they are here and now.

3. Focus on your goal:
While driving a car, drivers often engage in distracting activities like adjusting the AC knob and tuning to a radio station. But when you're riding, it's just you, your bike, and the road. There are no distractions, and you just concentrate on the road in front. Likewise, we must focus on what is essential in life. Concentrate on the future and don’t allow minor inconveniences to detract you from your ambitions in life.

4. You learn to let go your ego:
As we said, we've all seen our fair share of terrible drivers. Sometimes you are triggered and obliged to accept the situation because you cannot confront every other vehicle on the road. You learn to swallow your ego and remain patient to handle things maturely. Staying calm and tackling problems with patience is not less than any winning formula to live happily.

5. Practice makes an individual perfect:
No one is born perfect, but we can ace any talent with positive intent and dedicated practice. Every ride you take fills you with new experiences and learnings that you can ponder and do better on your next ride. Consistency and a positive mindset are vital to master your fears and weaknesses.

When you are riding, relax your soul and enjoy the present moment. There's plenty to experience even in the most unlikely locations. Hop on the motorbike and discover life like never before. Like life, the roads are uncertain; but something certain is ensuring safety. This is yet another lesson that bike trips teach us; to be responsible for your safety and possessions. So, be responsible and purchase bike insurance for the additional protection of your bike. You may surf through multiple bike insurance online and buy the one that assures value for money.

Click HERE to get 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.

People's concern over their health and fitness has increased since the outbreak of Covid-19. Due to the ongoing pandemic, we have all been practicing social distancing. It has become evident that we don't need a gym membership to keep ourselves fit. Instead, health from home has become just as popular as work from home.

There are multiple applications, websites, and tutorial videos available online to guide you through a proper workout regime. Whether you have registered for a virtual fitness class or have decided to go solo in your home gym, many types of equipment will help you maintain a healthy body and hopefully relieve your stress.

So, here are a few recommendations for home-workout equipment helpful to achieve your fitness goals.

1. TRX GO All-in-One Suspension Training:

This set is perfect for a full-body workout. It's lightweight, affordable, convenient, and portable. The seven-piece set includes full-body training tools for exercises at home, outdoor, or on the go. It should be a part of your house to feel like you have a private gym.

2. Yoga Mat:

A mat isn't just for yoga. It is helpful for bodyweight exercises like stretching and core work out since it makes them comfortable and easier to do. Mats are affordable, long-lasting, and require no maintenance. In addition, they have a good endurance ability to withstand pressure and give total comfort even while doing difficult yoga asanas.

3. Resistance Bands:

The main use of a resistance band is stretching and strength training. It can be used to work on every muscle group in your body. There are even more exercise options when it is fastened to a post or a door and helps you improve your posture while building muscles. Easy to use, it can be your on-the-go fitness aid.

4. Treadmill:

Walking is the most efficient exercise for any age group. But, many of us, with our busy schedules, have limited space and time for our daily physical activity. So that makes the treadmill a relatively easy piece of workout equipment to use.

5. Ankle Weights:

Ankle weights help you diversify your at-home workouts. They make your lower body workout more effective and are highly recommended if you aim to increase your speed.

Choose your at-home workout equipment based on these three criteria:

1. Cost - Figure out the amount you are willing to spend on your home gym and look for items that fit your budget.

2. Use - Determine your personal goals; if you intend to work out to lose weight, build a muscular body, or straight-up gain strength and maintain overall fitness. Then select gears that provide you functions related to your personal goals.

3. Space - If you live in a city apartment, sharing it with other flatmates, you may only have your bedroom for a home gym. So pick wisely, considering the actual storage space you have.

While choosing the best home workout equipment, remember to decide on a smart health insurance plan for you, too. Physical activity and a healthy lifestyle prevent diseases, whereas health insurance provides financial security against these diseases.

Start planning your home gym today, and once you start working out, be regular and never miss a day.

THINKING ABOUT THE PERFECT HEALTH INSURANCES FOR YOU? CLICK HERE TO KNOW MORE ABOUT THEM…

There is no denying that many outdated vehicles are still plying on Indian roads, causing massive pollution. Therefore, the Government of India has unveiled the Nation's new Vehicle Scrapping Policy. The main object of this updated policy is to get rid of old and unfit automobiles that produce pollution. The government aims to clean up the air, and the efforts are commendable.

If you have an outdated two-wheeler at home and are considering scrapping it, here are some things you should know prior.

1. Mandatory fitness examination:
The procedure of obtaining a fitness certificate would become significantly strict under the updated scrappage Policy. If your two-wheeler is more than 20 years old, you will have to take a fitness test for your vehicle.
Automobiles registered for business use are subject to the fitness standards once they go beyond the 15 years mark. Computerized workshops will be set up around the Nation. This will result in pinpoint accuracy and faster tests.

2. Compulsory end of life vehicle certification:
If your bike fails the fitness test, you will be required to get an ‘End of Life Vehicle certificate’. This is because used automobiles contain dangerous compounds such as lead-acid batteries, lubricating oil, coolant, braking fluid, and catalytic converters. If not disposed of properly, these compounds can contaminate the environment and risk human health and wildlife.

Benefits of scrapping your old bike:
If you're purchasing a new vehicle under the scrappage program, you will receive a 4 to 6% refund off the total price. In addition, state governments can recommend a road-tax credit of up to 25% for personal automobiles and up to 15% for commercial automobiles. In some cases, automobile manufacturers also offer a 5% discount to those who present the 'Scrapping Certificate,' and registration expenses will be waived when purchasing a new vehicle.

Additional pointers to know:

• The policy will not apply to vintage bikes.

• Hybrid and electric bikes are exempted.

• A bike that runs on alternative fuels like CNG is exempted.

When will the policy come into action?
The updated policy will come to force starting with large commercial automobiles, requiring mandatory fitness testing beginning April 1st, 2023. In a phased approach, all other vehicles will be subject to the fitness test starting June 1st, 2024.

Final Say:

The policy is set to come into action in the year 2022; the most crucial stage for the proposed program to succeed is to construct the necessary infrastructure across the nation immediately. As things stand, India has seven computerized fitness test facilities and two official scrappage sites. To meet the market demand, more such facilities are provisioned in coming years.

This policy will encourage the bike sale, benefit the environment, and a step towards a greener future. While benefiting from all the incentives when you dispose of your 2 wheeler, add an extra benefit of insurance to the bundle of happiness. Buy a 2 wheeler insurance online, customize your plan according to your needs, and include the add-ons that can help you when you plan to buy a new two-wheeler after disposing of the old one.

Click HERE to get 2 wheeler 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.

Insurance for your car is as important as your health insurance because your vehicle also needs a safety shield. It protects your vehicle against incidents like accidents, theft, or damages. You might be aware of the conventional way of car insurance. But here, we provide you with information about usage-based car insurance and its benefits.

The very first question that arises in your mind is, "What is usage-based car insurance?" User-based insurance or UBI combines the expertise from telecommunication and informatics sectors to serve the auto industry. The traditional car insurance policy's premium is based on the car's model and not the driving abilities. So even if you use your vehicle less frequently and have good driving skills, you have to pay a particular premium according to the standard calculation.

Whereas, UBI is a new concept in the Indian car insurance segment that usually collects the available information from the vehicle with the help of Telematics. The accurate data helps insurers to get a better estimation of mileage and driving habits of the driver. Then, the insurer decides on the premium amount based on your driving skills, basic vehicle information, and driving data.

When you opt for UBI, you have to install a tracker on your car, which will collect your driving data, and it will be used on a large stage. It will create your driving risk profile for your welfare and your insurance company. It stores the following data:

1. Frequency of usage of your car

2. Average speed of your car

3. Accelerating and braking pattern of your car while you drive

4. Based on your driving, you are rated if a safe driver or harsh driver

This information is used to charge the appropriate premium for your car insurance. So if you have a low-risk profile with an excellent driving score, you have to pay less premium than a reckless driver.

Also, this UBI comes in variants like:

1. Pay as You Drive (PAYD): Premium charged based on the amount of driving

2. Pay How You Drive (PHYD): Premium is decided based on driving skills

3. Distance-based Insurance: This is miles-based insurance; in this, the total number of miles covered by the car during the policy period will decide the premium

Let us share some of the advantages of UBI:

1. Having a personalized car insurance plan can save your pocket to a reasonable extent

2. It's a rewarding system for safe and skilled drivers

3. In critical times like accidents, your location is easily tracked and rescued on time with medical aids

4. Insurance companies get closer conversations and better relations with customers

5. This information or data analysis helps in identifying and reducing accidents or rash driving

6. Increases customer's interest as well as reduces claim cost. This further results in low-risk driving and safe drivers

Lastly, the UBI concept is still a new segment in the insurance industry but transforming digitally with more accurate information and benefits. So, get the advantages from UBI when you buy your online car insurance.

WANT TO KNOW MORE ABOUT ONLINE CAR INSURANCE POLICIES? CLICK HERE TO KNOW MORE… 

The Indian government has recently stated that installing FASTag is mandatory for every vehicle. Various toll plazas in the country have already adopted it for toll collection. This initiative helps to make the cashless tax collection and reduce waiting time at the toll plazas.

FASTag comes in the form of a sticker or a tag that you need to stick on your car’s windscreen. You can recharge FASTag as per your requirement. When your car passes through a toll plaza, it automatically deducts a certain amount from your bank account or a prepaid wallet. FASTags are a step forward in making India digital. Following are some interesting facts and benefits of FASTag if you are still sceptical about installing it.

Interesting facts to know about FASTag.

1. Without FASTag, you pay double:
Although the authorities have made the use of FASTags compulsory for all vehicles, they are more than just mandatory. If a vehicle does not have it installed, they have to pay double what is paid through FASTag. This rule has been imposed to promote the use of the electronic chip and reduce waiting time and fuel consumption at the tolls.

2. RFID technology:
FASTag uses the RFID or Radio Frequency Identification technology for making payments directly when the vehicle is still in motion. The FASTag sticker is affixed on the vehicle’s windscreen and lets you make direct payments from your bank account or wallet.

3. FASTags are bank-neutral:
FASTags are available in most of the certified banks. They are also available at various toll plazas, digital wallets, and unified payment networks. Vehicle owners can simply visit any of these locations or visit these apps with the required documents to open their FASTag account and recharge it.

4. FASTags have validity:
FASTags have a validity of five years from the day of issuance. This means you will have to renew your FASTag account every 5 years. However, there is no expiry date on your recharge money, and you can use it as per your requirements. To check the validity of your FASTag, you can log in to the bank’s FASTag portal or mobile app.

5. Recharge as per your requirements:
There are two ways you can pay tolls using FASTag- by linking FASTag to your bank account where the money is directly deducted or by recharging your online wallet. If you choose to recharge, the minimum amount is Rs. 100. The recharge can only be done through online mode.

6. FASTags send you SMS alerts:
When you open your FASTag account and link your mobile number to it, you will be notified via SMS whenever there is a deduction from your account. You will also receive details regarding available balance, recharge confirmations, and alerts if you have a low balance.

Technological advancements have been shaping the future of India in various dimensions, and road transport has been receiving the optimum results. Severe commutation issues like long traffic jams, chaos at the toll plazas, and road accidents, have been brought under control with the wise use of technology.

FASTag has been a significant contributor to this movement, and it will show a massive positive impact in the coming years. Be a responsible driver and install FASTag in your vehicle to play your role in the initiative. Use these technology initiatives in your favour to have a comfortable and safe driving standard. And when safety is concerned, think of car insurance. Reduce dependencies on additional unwanted expenses and cover your car under the benefits of a comprehensive car insurance policy. Always look after your car insurance renewal to enjoy uninterrupted services for a long time.

Click HERE to know more about the best car insurance renewal options.

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.

Cars are the most comfortable mode of commuting and road trips. Their design and features provide convenience to you both on a daily basis and also for a longer drive. Is your car your second home? If yes, then why not think of personalizing it with certain accessories or gadgets. If you choose the right accessories or gadgets, then they can make your time on the road more joyful.

This article shares some of the best accessories and gadgets that we recommend for your car.

1. Dash cams:

Dash cams are designed to capture astonishing, and bewildering moments during a car ride. Are you aware that Dash cams can save lives? Dash cams record your entire journey, covering the footage of the road as well as inside of your car. They are helpful at the time of accident investigation. Several advanced versions of Dash cams provide car protection that is one step ahead. In addition, they come with GPS that stands crucial to locate the car in case of severe accidents.

2. USB charger:

These days, there is nowhere you can go without a charged cell phone because your life depends on it! From work calls to booking hotels, travel tickets to even paying for food, you need your smartphone for it all. Therefore, it is advisable to own a USB charger capable of charging multiple devices at a time. In addition, car charges are handy products and provide immediate battery backup for your electronic devices during the journey.

3. Bluetooth speakers for music:

Even a short ride home is incomplete without some music. You wouldn't want to miss your favourite song playing on the radio during a drive. So it would be entirely ignorant if you do not have a good Bluetooth speaker. In the age of wireless technology, accessories like Bluetooth speakers are doing wonders. They come with specifications like better sound quality, on-the-go wireless connectivity, and hands-free operation. So get yourself one to enjoy the uninterrupted music during your drive.

4. Head-Up Display (HUD):

This gadget will make people fawn over your whole car as it gives futuristic and ultra-modern vibes. It projects the GPS on a transparent screen in front of you. Head-up displays are positioned on the dashboards so that the driver gets a clear view of vital data to see without disturbing the usual view angle. HUDs come with a navigation facility as well and make your car complete with satisfactory cruise control.

5. Rooftop Cargo:

While travelling, fitting all your luggage in your car's trunk can, at times, be difficult for you. Suddenly you realize that the insufficient boot space is a major issue as it cannot accomodate all your luggage. However, a cargo box for your vehicle will surely help you fit in your whole family's baggage for the next trip.

On a conclusive note, the modern and futuristic accessories make your driving experience more personalized and comfortable. You can also keep updating your old gadgets with newly added features.

Having said that, keep in mind your car insurance renewal remains an important priority. Always renew your car insurance to enjoy the benefits that it comes with, continuously.

LOOKING FOR THE BEST CAR INSURANCE RENEWAL POLICIES? CLICK HERE TO KNOW MORE

We all want our cars to stay forever sparkling and perfect, and we do everything in our capacity to keep them brand-new. Still, we cause some damage to the vehicles. It doesn't matter if you are an experienced driver or a learner; we all sometimes make mistakes as a result of particular bad habits.

These incorrect driving habits lead to unnecessary wear and tear to the vehicles and spending more money on repairs in the garage. To avoid it, we have shared 07 driving habits that you might need to look into immediately.

1. Not slowing down at potholes and speed breakers:
At least one-third of the damage to your cars occurs due to not slowing down over potholes and bumpers. It is not practically possible to avoid potholes everywhere you drive, so the least you can do is slow down.
Not slowing down on potholes can cause buckled wheels, lumps in the tyres, and even cracked alloys. The same goes for speed breakers; if you slow down on a speed breaker, you can avoid severe damage to the underside of your car and the exhaust system.

2. Continuing to drive your car at a low fuel level:
People fill up the tank when it reaches the 1/4 mark. At the same time, others push their cars to their limits. If you're the second type, you may be causing damage to your vehicle. When your fuel tank is nearly empty, the car will draw petrol from the very bottom. This may appear harmless, but the base is usually where all the toxins settle and concentrate, and if there is a significant build-up of impurities, it may clog your filters which might enter the engine.

3. Overloading your car:
We all have a habit of leaving something behind in the car, thinking it does not make a big difference. But all this extra load brings strain on your car’s brakes and suspension. Therefore, think twice before loading unnecessary luggage in the trailer next time. Plus, you will also form a habit of keeping your car clutter-free.

4. Smoking in the car:
Smoke from the cigarette makes your car stink. But the problem does not stop there. Over time, the particles from the smoke will mix with the car's material, leading to bad odour and discolouration of surfaces. This becomes tough to get rid of and will eventually deplete the value of your vehicle.

5. Revving your engine too soon in cold weather:
Revving your engine too soon will damage the engine's parts which are not yet lubricated with engine oil. Therefore, allow the engine to warm up properly before revving.

6. Applying brakes too late:
If you are habitual of harshly applying breaks at the last moment, it creates strain on the brake and makes the discs and pads wear out fast. Instead, maintain a steady speed and oversee the obstacles to avoid sudden and harsh braking.

7. Resting your hands on the gear stick:
Keeping your hand on the gear stick can be bad for the transmission because the constant pressure will cause it to wear out much faster.

Take a note of these driving habits that you might be doing unknowingly and keep your car safe from unnecessary damages. Another bad habit that may affect your car’s safety is neglecting your car insurance renewal. It is important to keep your car insurance renewal up-to-date and follow the above tips to keep your car looking and running great.

Click HERE to know more about the 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 a myth that young and healthy people do not need health insurance. An unhealthy lifestyle, irregular eating habits, and no time for exercising are the main reasons for premature illnesses even at a very young age. So, it has become necessary for everyone to have health insurance irrespective of age or income to cover themselves against lifestyle-related diseases. Getting health insurance at an early age brings many benefits and features. We explain a few of them here.

Low premiums:

The main benefit of getting health insurance at an early age is low premium costs since premiums are calculated based on risks. When a person is young, the risks involved regarding their health are lower; therefore, the premium will be low. It is advised to get health insurance as soon as a person turns 18. A child below the age of 18 can get coverage in the parent’s insurance policy.

Wide range of medical coverage options:

Another advantage of availing of health insurance at an early age is the comprehensive coverage options for diseases. Fortunately, treatments and medications are available for all diseases. Some of these diseases can cost a fortune if the expenses are not covered by health insurance. Health insurance policies provide a lot of financial support in case of any emergency. Also, there are lifetime renewal options if the policy is purchased in an early stage.

No-claim bonuses:

Every year, if a no-claim is made for the health insurance policy, the policyholder is rewarded with a bonus. Thus, for a policy purchased at a young age, it is very likely that you make no claim during the policy tenure and can get benefits of cumulative bonuses.

Income Tax advance:

Purchasing health insurance brings income tax benefits to you. Under 80D of the Income Tax Act, 1961, you can get a tax refund on the yearly premiums you pay for the insurance. It helps you in your financial planning from a very early age of earnings.

Low rejection rate:

Getting a health policy, adding the top-ups and other features is much easier for the young people than the elders. As mentioned earlier, getting the higher coverage or additional feature will cost you relatively less with a low rejection rate. You can enjoy more benefits of comprehensive and holistic coverage than the policies and coverage applied at a later age.

Avail more discount for online health insurance:

During pandemic times, visiting an insurance company and purchasing health insurance is not feasible. Most of the companies now offer discounts and other advantages if applying online. Online health insurance saves you money by recommending the best deals and well-suited policies depending on your requirements. Some websites even have the expertise to suggest plans that match your exact needs.

Like the other mandatory official documents such as driving license and PAN card, it should be your responsibility to purchase health insurance once you turn 18. Negligence in the matter of health is the worst mistake to make. Wisely choose the plan that can cover all your medical expenses for the long term.

TURNED 18 AND WANT TO BUY HEALTH INSURANCE THAT SUITS YOU BEST? CLICK HERE… 

Surviving the heat of the hectic work schedules throughout the week and managing the balance between work and personal life is challenging. Mumbai’s fast-paced lifestyle can turn overwhelming as the weekend arrives. But there is a cure for this; Planning a weekend getaway to someplace away from the city chaos. This time think something different for the weekend besides the long drive trips to Lonavala and Mahabaleshwar or jetty rides to Alibaugh. We suggest a full-fledged camping experience to surrender in the arms of nature.

Don't miss out on the escape to the perfect experience of reviving your connection with nature. This article presents a cumulated list of camping sites in a radius of about 200 km from Mumbai.

1. Bhandardara, Ahmednagar:
Known for its patent Fireflies festival, Bhandardara is one of the top places for camping, especially for Mumbaikars. Located 165 kilometres from Mumbai, the destination allows you to have a comfortable long drive on NH3. This camping site also offers you amazing activities such as stargazing, constellation watching, and boating in the lake. Spend some peaceful time in serenity and flush out all the stress of the week during your stay at this beautiful campsite.

2. Malshej Ghat, Kalyan–Ahmednagar Road:
Tucked in the Western Ghats and home to a diverse range of biota is another lush spot for night camping named Malshej ghat. This could be your go-to place if you’re seeking a camping experience all by yourself. The mild air can soothe even the most restless hearts, and the mist and rain create the perfect environment for solitude.

3. Karnala, Mumbai-Goa highway:
Mumbaikars are no strangers to the name Karnala. The fort and sanctuary located here are famous all around the Raigad district. What makes it one of the most extraordinary monsoon retreats is its blanketed hillocks with verdant forests, grass, and foliage throughout the season.

4. Uttan, Mumbai:
Despite being located in Mumbai, this place is cuddled in a beautiful natural setting, far from the usual concrete jungle that we see. Situated at the city’s northern fringes, this is a laid-back fishers town. Visit it to live underneath the stars, eat fresh and delicious seafood, watch live music, and participate in thrilling adventure sports. What makes it even more exciting is that you don’t have to travel more than 50 km to reach the destination.

5. Kolad, Roha:
Residing on the banks of the river Kundalika, Kolad is one of the most serene camping spots around Mumbai. It is also known for being the favourite river rafting destination for Mumbaikars. It is left untouched by wannabe tourists, and hence the only thing that breaks the peaceful stillness is the chirps of birds and babbles of the river.

6. Pawna Lake, Pune:
This lake is an ideal weekend getaway for people who want to absorb the wonderful natural environs. As it rests in the woods, it provides the campers with a great deal of peace and contentment. This site has views that satisfy your exact image of lakeside camping.

Having tons to offer in connection with adventure, nature, relaxation, and breathtaking vistas, these camping sites will undoubtedly provide you with lifelong memories. However, the true essence of any trip can be experienced when it is crafted with security assured at all stages. You won’t like to carry the stress of the safety of your belongings and valuables when you’re out to enjoy your holidays. So, protect your travel with Magma HDI’s online general insurance plan that will ensure your assets’ security throughout your trip.

To look for online general insurance, 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.

There is no question that motorcyclists are crazy about their bikes and want to keep them glowing all the time. Most of the time, even seasonal changes won’t derail their desire to have a shining bike. Seasonal changes like wet and humid weather harm the two-wheelers most, mainly the rusting. Rust is an awful deal to handle when the bike has seen mud, water, ice, and road salt.

But there are DIY hacks that help you combat rust and preserve the life of your two-wheeled companion. In today’s article, we’ll discuss some clever, useful hacks that will help you handle rust efficiently.

1. Lemon Juice to remove rust:

The acidic nature of lemon helps eliminate rust in its early stages before it affects the inside metal. Here’s how to use it:

• Collect ample lemon juice in a cup.

• Apply the juice thoroughly onto a ball of steel wool with the help of a spoon, or simply dip the steel wool in the cup.

• Rub the rusted areas gently with steel wool.

• Wipe away the extra lemon juice and rust particles using tissue paper, done!

*keep the juice away from your eyes and any open wounds as it may cause burns due to its acidic nature. Wear gloves and glasses for precaution.

2. Get rid of rust using potatoes and salt:

When it comes to organic cleaning, this small technique is fantastic to have on hand. Here’s how you can use this duo to get rid of that adamant rust;

• Cut a potato in half.

• Rub the sliced portion of the potato on salt, thoroughly coating it.

• Rub the salted potato over the rusted parts vigorously. Slice the salted end of the potato off and dip it in extra salt as needed.

• Thoroughly rinse afterwards.

The oxalic acid present in potatoes naturally helps dissolve rust, while the salt works as an abrasive.

3. Sandpaper to scrape off the rust:
Use sandpaper to get rid of rust from parts such as engine and transmission, as these parts require precise attention. A slight deviation can throw everything off if not done correctly.

4. Baking soda to remove rust:
Make a thick mixture of water and baking soda and rub it all over the rusted surface. Let the paste settle on the bike's surface for about an hour. Rub the surface with steel wool. Rinse thoroughly with water & dry it using a paper towel.

5. Scrubbing – the good old way:
Simply scrubbing using a wire brush is also effective in getting rid of rust from larger bike parts. This technique, however, is not suggested for chrome parts of your bike since you may wind up scratching them.

Although these organic rust removing techniques are excellent, most of them are acid-based, and they have the potential to damage your bike, particularly in areas with mixed materials such as steel + rubber or steel + plastic.

It's best to hand over your motorcycle to experts for rust removals if it is heavily covered in rust. They make sure you get the best results while assuring the perseverance of your bike. A good 2 wheeler insurance provides the security covers with these aspects as well, including rust remover. So if you have 2 wheeler insurance, you can claim the rust repairs under it. Be a responsible owner and make investments that can yield you considerable profits. After all, your two-wheeler is a prized possession, and maintaining it in good shape should be your priority.

Click HERE to know more about 2 wheeler insurance.to know more about 2 wheeler 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.

Whether you are driving a motorbike or car, having a valid licence is mandatory. Most driving licences are issued for approximately 20 years or until the driver turns 50 years (whichever is earlier). Therefore, you need to renew your licence once it expires. Note that your driving experience and capabilities during your previous licence will not be considered for the renewal of it. Additionally, if you do not renew your licence until a year after the licence’s expiration, you will have to go through the entire process of getting a licence again.

Moreover, your driving licence is valid up to 30 days from expiration. Gone are the days when you had to stand in a long queue at the RTO’s office for the renewal of your licence. Due to covid’s second wave, the government issued a hassle-free way to apply for the renewal online in just a few simple steps.

No matter which state you reside in, you can easily apply for renewal from the comfort of your home. Continue reading the blog to discover all the vital steps you can take to get your licence renewed.

Steps to renew your driving licence online:

Step 1: Visit the official website of Parivahan Sewa Portal of MoRTH (Ministry of Road Transport and Highways) by clicking HERE
or head to HTTPS://SARATHI.PARIVAHAN.GOV.IN/.

Step 2: Next, enter your state’s name on your screen.

Step 3: You will now be redirected to the page with various options. Select “apply for DL renewal.”

Step 4: Now, a page with instructions will appear. Carefully read each instruction to avoid committing any mistake.

Step 5: Click on “continue” at the bottom of page and proceed further to the application form.

Step 6: Now, fill your application. Enter your previous driving licence’s number and date of birth and click on “continue.” Fill all the details and provide information as asked on your screen.

Step 7: Depending on your state, you may also require to upload your signature and photo.

Note: If you need to make changes to your medical certificates, you may have to book a time slot to undergo the RTO test.

Step 8: Now, the site will take you to the acknowledgement page, where you can see your application ID. Additionally, all the application details will be sent to you through SMS on your registered mobile number. Make sure you print out the acknowledgement for future reference.

Step 9: The final step is to make the payment and verify your payment status. You can pay through a debit or credit card. Usually, the fees may vary from one state to another.

Simply follow the above steps to renew your existing licence in a fast, convenient, and hassle-free way. Never drive a vehicle without a proper licence. If you are caught driving without a licence and valid insurance papers, you will be fined with penalties. Be a responsible driver; keep all your essential documents ready with you at all times, including your car’s insurance papers. If the insurance is due, make an online motor insurance renewal to ensure the benefits of your policy and protect you against any mishaps.

Click HERE to get the best quotes for 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.

Following year-long debate and discussions, the Indian government finally allowed CNG kits for two-wheelers as well. Interestingly, CNG kits can efficiently be installed even in mopeds with about 81.75 cc to 136.25 cc capacity. However, there are some restrictions on the installation of CNG kits in two-wheelers. ICAT and Automotive Research Association of India (ARAI) respectively approve only Euro-III-type automobiles to install these CNG kits.

CNG costs much cheaper than petrol or diesel and gives clean fuel to two-wheelers. This suggests that converting your two-wheeler into CNG will prove to be economically practical.

Advantages of installing CNG conversion kits:

• Natural gas is a cheaper alternative to petroleum as it costs almost one-third of petrol in some states of India. Natural gas is as cheap as 49.40 rupees per Gasoline Gallon Equivalent (GGE).

• CNG is less harmful to the environment than petrol. Compared to petrol and diesel, natural gas emits much less hazardous pollutants and hydrocarbons, thereby reducing the adverse effects of harmful emissions on the environment and human health.

• When compared to gasoline, CNG produces fewer toxic carbon deposits when burned. As a result, the engine is cleaner and more efficient. It removes the carbon deposits that taint the oil, reducing the need for oil changes.

• India has a well-developed pipeline network and abundant natural gas reserves. Switching to CNG fuel can help our nation to be less reliant on the import of oil.

• CNG can save your bike from getting green taxes. Vehicles that pass the automated fitness centres test are given a green tax at the time of registration. However, vehicles with CNG kits are exempted.

Disadvantages of installing CNG conversion kits:

• CNG tanks require more space. As a result, you may have to give up some room off your two-wheeler. In addition, a CNG cylinder can be a little heavier, which can be a difficulty in the handling of the two-wheeler.

• There are a limited number of CNG filling stations. Therefore, people who live in places with no easy access to CNG filling stations won't find CNG conversion the most efficient option.

• The cost of a CNG kit and the initial installation is high that refrains a decent population from installing these kits on their two-wheelers.

Experts believe air pollution will substantially decrease if more two-wheelers owners decide to switch to the CNG option. With global environmental issues bringing new challenges time and again, finding greener solutions and implementing them is a need of the hour.

Installing a CNG kit in your two-wheeler is not enough to improve the mileage and save additional expenses. Another thing to consider about CNG fitted two-wheelers is the expensive repair cost in case of an accident. Therefore, you require extra protection of a 2 wheeler insurance. Check out Magma HDI’s 2 wheeler insurance online and make your journeys stress-free and financially safe against adverse situations.

Environment-friendly and sustainable practices can be our first step towards a secure future. If you’re ready to compromise with the minor discomforts and consider pollution as a bigger threat, then switching to natural alternatives is the best choice that you can make!

Click HERE to get your 2 wheeler insurance online with us.

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 city, highways, and the sky above look much more beautiful at night. And, driving alongside the stars and the pleasant winds is a memorable experience. But apart from the nicer part, night time driving is also dangerous. One of the main reasons is the decreased visibility during the night due to the low contrast and the glare of the headlights of vehicles coming from the front.

The probability of a fatal car accident increases three times during the night. When we are exhausted and sleepy, our reaction time is slow, and we cannot think or make any decisions correctly. As a result, our overall spatial and environmental awareness decreases.

Due to the condition and unpredictability of Indian roads and traffic, driving at night is a challenge. Still, if you are planning to take a long road journey at night, follow these 09 safety practices.

1. Driving at a slower speed:
37% of night time road accidents are due to speeding compared to only 21% in the daytime. We advise you to drive at a speed lower than you typically do on the same road in daylight.

2. Drive with someone:
It is always better to drive with someone at night as the two of you can take turns driving every two hours. This way, both will receive some rest, and neither will be too exhausted while driving.

3. Take a nap:
Whenever you start feeling drowsy, pull over and take a nap. Even an hour’s rest will keep you going for the next three to four hours. Ensure that the place you pull over is safe; a restaurant’s parking lot or petrol pump is better than a random spot on the highway. Remember to lock doors and check your surroundings properly.

4. Maintain a safe distance:
It is an essential practice for driving. This becomes even more important during nights because our reaction time and judgment abilities are always lower than in the daytime.

5. Dim the lights:
Avoid using high beams on busy roads as you will only be blinding the other drivers. But in case the lights on the highways are dim, switch to using high beams.

6. Drunk driving:
Drunk driving is illegal; still, many drivers don’t consider it serious. So, even if you do not drink, you are likely to meet many other drunk drivers on your way. Therefore, drive with caution as drunk drivers are likely not to follow signals properly and abruptly stop or switch lanes. Even if it's not your fault, you may have to pay the price. Here, good car insurance can assist you with covering the financial losses.

7. Clean your car:
Focus more on the windscreens and windows as this will increase the visibility. Keep the wipers in proper working condition. Fix any cracks or scratches in the glass as they are likely to scatter light.

8. Be well rested:
If you know that you will be driving at night, it is advisable to rest appropriately the day before. Also, take care of your eyes, wear anti-reflecting glasses to avoid high beams.

9. Eat a light meal:
Having heavy meals will make you feel sleepy and bloated, therefore stick to fruits and vegetables, and stay away from fast food.

Driving at night is not the safest choice but by being alert, sober, and following the practices mentioned above, we can make night journeys safe and convenient for you and other commuters. Also, driving at night does not mean you remain in the dark when it comes to your car insurance. Purchasing ideal car insurance and adhering to traffic laws and driving ethics can assure vehicle safety under all circumstances.

Looking for car insurance? Click HERE to get the best quotes.

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 home is probably the most significant investment that someone makes in their life. But how often do we cherish and maintain it? The idea of climbing over roofs and crawling in small spaces to clean and check things does not excite anyone, but it certainly is necessary.

Few things need to be done more regularly than others, such as weekly cleaning your windows and wardrobes. Cleaning the drainage pipes, washrooms, and bathrooms can be done once or twice a month.

If thinking about home maintenance gives you a headache, do not worry. We have created the seasonal maintenance checklist for your home to make things easier for you.

But what are the main things you need to focus on?

• The exterior of your house

• Plumbing and drainage systems

• Electricals

• Security system

• Heating and cooling systems

1. Spring:

'Spring cleaning' is crucial as this is the humid transition period between winter's cold temperatures and upcoming summer heat.

• Check the overall condition of the roof.

• Pour water into floor drains; this will help prevent sewage odours and clean the gutters.

• Schedule your AC for service and replacement of its filter.

2. Summer:

Summer is all about spending time with your friends and family. So, this checklist suggests what you would require to do to prepare for a fun summer holiday.

• Remove dead grasses, lay flower beds, ensure everything looks fresh, and water your garden or house plants regularly.

• Check all the hoses for any wear and tear or leaking issues and fix them immediately if you find any.

• Deep clean the interiors and exteriors of your house, including the driveways and sideways.

• Pest Control during this season is crucial, mainly to prevent mites from damaging your furniture.

3. Monsoon:

Monsoons dominate India’s climate. Indeed, they bring the much-needed water for our crops, but they are also accompanied by strong winds, floods, and power cuts.

• Ensure no stagnant water accumulation as it is the breeding ground for mosquitoes and many other insects.

• Install an effective ventilator to prevent the musty odour from the damp walls and things.

• The constant dampness can cause bugs and fungus on your carpet and rugs so take measures to prevent that.

• A complete waterproofing of walls and ceiling is necessary.

4. Autumn:

The autumn season is the best time to run an overall maintenance check of your home as it is dry, and the temperature is often comfortable.

• Inspect your doors and windows for any cracks, and if there are, get them fixed.

• Check the paint, and if you are planning to paint your house, autumn is the best time.

• To remove the accumulated sediments, clean your water taps, showerheads and water heaters. This will prolong their life and their efficiency.

5. Winter:

Most of us love to be cosy and stay indoors during winters, so it makes sense to focus more on the indoors during this chilly time of the year. But, winter is a season of a few marquee festivals of India, so take this opportunity to keep your home shining. This will even keep you engaged during the cold season.

• A thorough inspection of plumbing is essential. The pipes will likely develop cracks and leaks when the water gets cold.

• Check the heating and air ventilation systems of all appliances.

If you follow this easily doable checklist, you will considerably save your time in maintaining your home in the long run. Not just the maintenance but also the security of your home is equally important. Include a point of home insurance in your checklist for additional protection from unexpected mishaps. Buy home insurance online to get the best deals on your plan. You may even stand a chance to get lower premiums if you have worked upon the security of your home by installing safety equipment and systems.

Click HERE to buy home 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.

As per recent statistics, India has got into the top 5 of most cyber-attacked nations globally by recording more than 1.1 million cyber security assaults in the previous year alone. With the corporate industry being a large sector of revenue generation and economy booster in India, assuring digital security becomes a primary concern.

Businesses are a primary target of cybercriminals as they can gain access to clients’ sensitive data and severely compromise it. Data is the new oil, and the industry is valued in trillions. No business can afford the risk of data leaks, living in the internet-driven world where we are surrounded by many mischievous minds known as hackers.

The practical ways that businesses can implement to ensure safety from cyber threats are mentioned below.

1. Set up Firewalls:
It is the initial line or rather a wall of defence against cyber-attacks. It blocks unauthorized access from outside of the organization and blocks people from within the organization from visiting or opening malicious links.

2. Keep your systems up to date:
System updates are crucial as they consist of security patches designed to protect from the latest security threats. Keeping your system up to date will also help in boosting the operational performance and deriving optimum results.

3. Anti-virus software:
Antiviruses identify, block, and respond to harmful software on your system. Even if you use your system carefully to prevent it from malicious software or files, antivirus software is an essential component of a comprehensive security plan.
Antiviruses scan every file on your system and compare it to known viruses and other forms of malware. If it detects a harmful file, it will block the program from executing and avoid the multiplication of viruses to corrupt the system.

4. Virtual Private Network:
Businesses can improve their online security by setting up a Virtual Private Network. A VPN will shield your business' internet traffic from hackers by channelling all of your data via a strongly encrypted tunnel. The initial milestone to hack systems starts with targeting an IP address. As a VPN hides your IP address, Attackers won't be able to take control of your system.

5. Insurance to the rescue:
A public liability insurance policy protects businesses from the impacts of cyberattacks. This includes security for lost revenue resulting from a cyberattack, payments made to hackers to retrieve data, third-party coverage for losses, lawsuit expenses, and fines.

Other Security measures to practice:

• Reduce the collection of personal and sensitive information from clients as much as possible.

• Educate employees about cyber security through assessments.

• Encrypt important data using the best encryptions procedures available in the market.

• Back up your valuable data at regular intervals.

• Don't forget to shield your cloud storage.

While businesses must digitalize to meet the demands of their consumers, at the same time, they must show their preparation for the adverse technologies and the hackers behind them. Despite having all efforts, if a security breach occurs, a public liability insurance policy can offer the cushion that allows the business to survive the crisis.

So, wisely invest in effective antivirus software technology to ensure a safer environment in the working ecosystem.

Click HERE to buy a public liability insurance policy for your business today.

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 been stuck in a health emergency due to a prolonged illness of someone in the family? If yes, you know how difficult it is to go through a tough time to wait for the total health recovery of the patient. It is also particularly challenging to take care of the patient on a daily basis. It requires a lot of willpower and patience to be a good caregiver to calm those in need.

You need to ensure that the patient follows a disciplined routine wherein he eats on time, gets good sleep, and takes medicines as prescribed. You also need to keep an eye on their symptoms, verify the reports and regularly monitor the patient’s condition.

Stroke patients are critical to handle. Their body becomes quite sensitive and vulnerable to any inconveniences. Hence, the caregivers of stroke patients need to take extra precautions to ensure that the patient stays mentally and physically healthy.

Wondering how you can take good care of stroke patients? This blog answers all your questions.

1. Exercise is the key:

It has been observed that most stroke patients face movement issues and find it difficult or incapable of moving their limbs. Their movement skills and capabilities get affected severely due to the stroke. As a caregiver, encourage stroke patients to indulge in exercises daily.
Design a quick workout routine for them and guide them to exercise in the right way to get the best results. This would help the patients regain their movement abilities and a speedy recovery.

2. Let them feel and reflect:

Instead of pushing the patient to be optimistic, it is essential to create a safe space for them. This space is an outlet for their emotions and a trusted source to avoid complete breakdowns. Having suffered through a traumatic experience and facing critical health issues is no joke.
The patients need to embrace their grief and express all their feelings without hesitation. An essential part of being a caregiver is to help the patient through their emotional process and help them get through all the challenges and hardships.

3. Encourage them to be independent:

Don’t create a help-seeking mindset in the patient. While they must have a safe space for letting out their emotions, it is also necessary that the patient is encouraged to help themselves instead of seeking support every time they need something.
As a caregiver, you must motivate your patient to feel independent. Doing things independently would give them a sense of achievement and motivation to carry out their work with more zeal and confidence.

4. Keep an eye on their condition:

A stroke is a severe ailment, and the treatment and recovery process involve a lot of heavy medications. Since the medicines help the body cope with certain major complications post-stroke, they are bound to have some alarming side effects.
As a caregiver, you need to educate yourself about all the medications, their probable side effects, and how they might affect the patients (which could also be due to pre-existing allergies and conditions). You need to inform the doctor about the same and observe the patient for any symptoms which might occur as side effects of the medicines.

A stroke can be a traumatic experience for the patient and his family. If not handled efficiently, strokes can turn out to be one of the worst nightmares. We discussed how intensive care could miraculously heal stroke patients, sometimes more than their treatments and medications.

Similarly, you need to take care of your health at all times as one cannot predict when such needs might arise, and you might find yourself in a difficult situation. To safeguard your and your family’s health, you must purchase the best health insurance in India that can offer the best coverage to the needs of your entire family.

Click HERE to know more about the benefits of 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.

How often do you feel frustrated and overwhelmed due to work pressure? Everyone deals with the chaos of life, but a little organisation does not hurt. Putting your thoughts in line can help you manage a significant chunk of your life without the intensity and pressure of things affecting you negatively.

Our previous generations faced a hard time and struggled a lot to keep all the fronts of life in order. But thankfully, the modern generation has taken up the concept of “self-love” and “self-care” seriously. And thanks to social media, people are now aware of why it is essential that you admire, love, and respect yourself in all facets of life. It helps boost your mental health and enables you to gain confidence to face all that life throws at you.

One of the most important aspects of organising your thoughts is “journaling.” Writing down your day and your reviews can give miraculous results. Penning down all that runs through your mind gives those abstract thoughts a proper structure. And now that you have a problem in hand, it becomes easier to find a solution. But there is more to journaling and its advantages. Let’s know about these incredible benefits of journaling you weren’t aware of.

1. Define your goals:

Jotting down your goals makes it real for your brain to grab the concept of accomplishing them. Your mind starts thinking about how you can achieve your goals. It further helps you to take a walk through all the possible processes you might have to go through to get the work done. It searches for resources and opportunities to help you attain your desired results.

2. Healing is a process:

Healing from traumatic experiences and emotional baggage is not accessible. But journaling can help you sort your feelings by giving them a form of a tangible problem statement. Once your brain sees your emotions on paper, it begins to put the pieces together to understand the actual issue. It gives you clarity compared to the clump of feelings with no beginning or endpoint.

3. Manage anxiety and stress:

Revisiting the most stressful occasions of your day by writing about them in detail gives you a certain sense of disentanglement and detachment. And once you detach yourself emotionally from the situation, you can see it from a rational point of view and analyse the whole scenario in pointers. This will help you improve your reactions and responses the next time you are stuck in similar situations.

4. Regaining confidence:

We all tend to lose confidence once in a while. Going through difficult situations creates insecurity, which takes time and effort to overcome. And at times, these insecurities quash your self-esteem to the point of no return. But journaling can help you escape this web of uncertainty.
You can write down all your accomplishments and how you managed to handle difficult situations on stressful occasions and never give up on yourself. These things act as a reminder of confidence and help you balance your emotions in the best way possible.

Other benefits of journaling include boosting mindfulness, improving your communication abilities and memory, providing a safe space as an outlet for emotions, etc.

In this blog, we saw how journaling could improve your mental health and help you keep your cool even in the most stressful situations. Similarly, it is essential to take care of your physical health too. Health emergencies usually come without warning. So, it is crucial to safeguard you and your family members in any unprecedented situations which can put your health at risk. You can explore your options and purchase health insurance that caters to your needs the best.

Click HERE to know more about health insurance and its benefits.

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

The constant hustle of work-life can be overbearing and taxing for the employees. Planning an incentive trip is an effective way to appreciate your employees while also letting them know that you care for their health and wellbeing. But planning a trip for different people with a budget can be challenging. You have to keep their interests, choices, and health conditions in mind.

This article will look at some practical ways of planning incentive trips for your employees.

1. Understanding the budget:

The first checkbox to tick while organizing incentive tours is finalizing the budget. Having a clear picture of what you can do and where you can stay gives you an overview of planning the entire tour efficiently. You can find multiple hotel options with varying price points, thus making it easier for you to decide on factors such as food and living.

2. Understand what employees enjoy:

It can be a tedious task to attend to everyone’s needs. Hence, getting an idea of the likes and dislikes of others would help in making a balanced trip suitable for everyone. You can try conducting a survey for the employees. Choose viable tour options before handing out the survey forms so the employees can choose from the given options.

3. Duration of the trip:

Keeping in mind the budget and the number of people going on the trip, you must decide the duration of the trip. If you have a limited budget and plan to go to exotic destinations or expensive accommodations, consider limiting the number of days. However, if you are planning a trip to a place with a moderate hotel, you can extend the duration of the stay.

4. Choose a travel company:

Travel agencies are equipped with resources and know-how to plan all kinds of trips for you. Choosing a reliable travel agency can significantly reduce your time and stress. Before outsourcing the planning to a travel agency, verify their terms and conditions, cancellation policies, and, most importantly, their customer reviews. Good customer reviews ensure that you are entrusting the responsibilities to a genuine company.
Ask your travel agent for extra benefits or complimentary services as part of your package. Do not forget to sit down and have a detailed discussion on the itinerary and scope of various activities that the team can indulge in. Make sure that the accommodation has multiple recreational activities and food choices to suit the needs of everyone.

5. Do not go overboard with the planning:

Leave room for change and other opportunities. Give your employees the chance to make impromptu plans. This gives them a scope to bond with other employees and is also a great way to inculcate various team-building activities. Sometimes all that your employees need is a day’s rest. Leave sufficient time for people to unwind. Overdoing the activities and touring the place can be hectic and kill the retreat's entire purpose. Including a rest day in your travel itinerary is an excellent way to make it a relaxed tour.

Remember that planning a trip can be a huge responsibility and require a reasonable amount of time to reach a conclusive decision. Plan the trip well in advance to ensure no last-minute unavailability in bookings and accommodation.

While travelling with a big group, there are possibilities of missed flights, overbooked hotel situations, and other mismanagement of events. To skip these worries, look for general insurance plans to safeguard your employees against any extra expenses that you might incur during the trip. Dedicated research can tell you about all the good policies of general insurance India you can invest in.

Click HERE to know more about general 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.

Moving to a new house can be an exciting change. And downsizing to a smaller place is beneficial for many reasons, including saving money and getting rid of unused space. However, it can be a challenge to decide which things to take with you and which to give away. If you get emotionally attached to your possessions, this kind of a move may be difficult for you. It's good to have a few tips up your sleeve for an efficient and clutter-free move.

Here are a few things to keep in mind while downsizing your house.

1. Give away or throw away:
One of the effective ways to make room in your new smaller house is by giving or throwing away the items that are no longer in use. For example, if you still have your primary school books or old clothes, you could donate them to the needy. For things that you cannot give away, you can recycle or simply throw them away.

2. Avoid renting storage units:
Storage units can be a great place for storing items when you do not have enough space in your house. They allow you to keep things you no longer use or need. However, before renting one, ask yourself whether you really need it and if you are willing to pay its rent for the next ten years. Remember one rule: if you have not used the item in the last year, you do not require it anymore.

3. Measure out your new space:
It is advisable to measure the dimensions of each room and other vital spaces of your new home. Make sure to get accurate measurements to eliminate any unnecessary furniture that won't fit. Try to manage and utilize the available space smartly to avoid any issues in adjusting to the new environment.

4. Make money for your move:
If you have numerous items that you do not need but can still be used by other people, you can set up a neighbourhood garage sale or resell them online. Create advertisements to generate awareness about your shop.

5. Avoid additional costs:
When you downsize to a smaller house, it can be tempting to buy new furniture that would go with your new place. However, this can cost a hefty amount of money. Think of how you can make the best use of your current furniture, and if you must purchase new things, aim to buy used ones whenever possible.

Setting up a few rules and focusing on what you need and do not need can make your move easier. While you're at it, it might be wise to re-evaluate your home insurance policy. Investing in the best home insurance policy in India will provide you with protection and safety in your new place. If you already have an insurance plan, don't forget to inform the firm about the change in your address to ensure you continue to receive the benefits.

Click HERE to protect your new home with a layer of best home insurance policy in India.

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

You are aware of the importance of cleaning and maintaining your two-wheeler, which can help you extend the life of your vehicle. But do you know that the trunk is often the most neglected space of your two-wheeler?

Your helmet, papers, groceries, umbrella, water bottles, etc., are primarily stored in the trunk of your two-wheeler. This makes it most susceptible to dust and dirt. In this article, we will take a look at a few easy ways to keep your trunk clean.

1. Organize:
The first step to maintaining a clean trunk is to keep everything organised. Try keeping your papers, first aid, and helmet systematically instead of throwing them into the boot. Store the essential documents in clean zip-lock plastic to avoid tears. Keep the first aid in a small pouch for easy access in an emergency. Efficiently organising the materials within the trunk helps you keep the space clean and provides you with easy access whenever you want something.

2. Dry cloth:
We tend to keep the helmets or wet umbrellas directly inside the trunk without giving a thought. One way to ensure clean trunk space is always keeping a dry cloth handy. If it is necessary to keep your wet umbrellas in the boot, keep the umbrella in plastic before placing it into the boot. To ensure that there is no water left, take a dry microfiber cloth and pat dry the area inside the boot. Do not forget to dry the area just under the seat as well. Moisture can lead to corrosion, eventually eating up the entire chassis. To avoid this, always ensure that your vehicle is dry.

3. Use sprays and cleaning solutions:
Ever so often, use mild cleaning liquid to clean the space out. Use a damp cloth to wipe down the area. After this, use the soap to wipe down inside the boot. Use a dry cloth to wipe off any remaining liquids to avoid stains.

4. Accidental spills:
Sometimes, we forget our shopping bags and end up stuffing our trunks with groceries and other essentials. This can create a chance of an accidental spill. Always use a dry cloth and a plastic container to take out the waste. After clearing out the spill, use a wet cloth to wipe down the boot’s insides. Use a non-corrosive spray or a sanitizer to get rid of the greasiness. Use another dry cloth to get rid of the residue. If you notice any dirt inside the nooks and corners, use an old toothbrush or a makeup brush to reach the area and clean out the excess gunk.

These are a few ways in which you can ensure clean trunk space. In the future, if you wish to sell your bike, a well-maintained and clean vehicle is a testament to the excellent ownership displayed by you. Another way to add value to your vehicle is by investing in the best two wheeler insurance in India. Being a responsible owner, you must ensure the safety of your two-wheeler by having the best deals to get guaranteed financial protection against any accident.

Click HERE to know more about 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.

When you go out for a drive, hearing your tyre burst is the last thing you want. It can lead to a deadly accident. Many companies have now introduced tubeless tyres to reduce the chances of a blowout. However, there is very minimal time to control your bike if one does happen.

Since time is of the essence in such emergencies, it is important to know exactly what you need to do. So before going on your next ride, make sure you go through the following tips on controlling your bike after a tyre burst.

1. Do not hit the brakes instantly:
Whenever something goes wrong while driving or when we sense an emergency on the road, our natural instinct is to hit the brakes. However, this is not the universal solution to all emergencies. When you press the brakes suddenly, you may be thrown off your bike into the oncoming traffic.
If you are travelling at high speeds, more than 90 kmph, applying brakes suddenly can result in dangerous situations. Pressing brakes at high speeds can make the vehicle wobble, causing you to lose control of it. Instead, you should try rolling on the bike without using the brakes at all.

2. Maintain appropriate speed:
Speeding is one of the leading causes of accidents occurring on the road. When you go over the speed, say, more than 100 kmph, you are more likely to face a nasty collision in case of a tyre burst.
The chances of safely coming to a halt on time are much higher when travelling at slow/safe speeds. On the other hand, speeding will make your bike uncontrollable during a tyre burst and reduce or eliminate the chances of recovery afterwards.

3. Use engine braking:
If you have a bike with good engine braking, you can use that to slow down your vehicle instead of hitting the brakes. When your bike suffers a tyre burst, shift down the gears and accelerate using engine braking to slow down gradually. By this method, your bike will not suffer from the shock of sudden braking, and the chances of losing control of your bike will reduce significantly.

4. Keep your bike straight:
When experiencing a tyre burst, there isn't much time to avoid an accident or think about directions. However, to save yourself, you should try to keep your bike straight and steady. Turning the motorcycle or veering can worsen the situation.

Of course, if there is a danger zone in front of you, making a turn is the only choice. However, do this with acute linearity because a sudden directional change can unbalance the bike and result in a mishap.

Accidents are unpredictable and can happen when we least expect them. Keeping a check on your bike and conducting regular maintenance can prevent an unexpected tyre burst. In addition to it, secure yourself and bike in such uncertain times through individual accident insurance. Ride safe so that you enjoy riding your bike again!

Click HERE to buy the best individual accident 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.

Workers are the backbone of any manufacturing facility. Working relentlessly to get the best quality products is a result of their hard work. But sometimes, we tend to neglect the importance of these workers and take their safety for granted. Inspection of workspace safety throughout the day is one way to ensure a safe environment in the factory. This also shows that you care for your employees and their well-being. Safe working spaces have a direct effect on the productivity of the workforce.

In this article, we will discuss a few ways in which you can ensure the total safety of your workers.

1. Usage of machines and their maintenance:
Improper use of machines is one of the leading causes of workplace injury. Using tools and equipment for their intended purpose only is the first step to avoiding an accident. For the newer workforce, orientation sessions can be conducted to familiarise them with the latest tools and machinery. Regular cleaning and inspection should also be made part of their work to ensure added safety and extended lifetime of the machines.

2. Clear the aisles:
Aisles are the most used parts of a factory. Be it the moving of various things from one place to another or simply the employee movement within the facility. It is extremely important to frequently clean the space if the area is used for liquids and other greasy materials. Clean up any spillage immediately to ensure the best working conditions. Also, make sure that there are no small parts of the machinery lying around that might cause tripping and falling.

3. Keep emergency exits clear:
Blocked emergency exits have been the reason for some of the most dangerous and fatal hazards in manufacturing units and factories. To ensure safe access to the exit, avoid blocking emergency exits. A cluttered work area will also pose a danger if one wants to exit immediately. Placing different objects in their specified storage areas will help keep the work area clean and organised.

4. Eliminating fire hazards:
Working with combustible materials can pose real threats to your factory and the people working in it. If you work with combustion tools, keeping only the required amount at hand can ensure a lesser chance of any danger. When not using the chemicals, keep them stored in a cool dark place away from ignition points. Do not forget to store the waste in metal holders and dispose of it daily.

5. Take breaks:
Work-related injuries are caused due to strained muscles and over exhaustion by the workers. When tired and burnt out, one finds it difficult to focus and deliver top-quality work. Instead, taking regular breaks ensures alertness during work. Providing the workers with proper restrooms and clean drinking water facilities is another way to ensure that your workers are taken care of and that you care for their well-being. A rule of thumb is to allow a fifteen-minute and a thirty-minute break for working for four hours and six hours, respectively.

These are a few ways to ensure that your workers are safe at the facility. Investing time and efforts for the well-being of your workers will provide a dedicated workforce that delivers top-quality outcomes. To add more value to their lives and work, invest in public liability insurance to help them and your factory in an emergency and cover the medical and other expenses incurred during the process.

Public liability insurance is a safety net that provides financial protection if your business faces a compensation claim due to a worker’s injury or property damage. Do not forget to look for the best public liability insurance India options.

Click HERE to find out more about public liability 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.

A driving test can be one of the biggest challenges for many. The exam can elevate multiple emotions and increase your stress about the final results. However, getting your driver’s licence and getting out on the road is a joyful feeling.

To help you pass the test with ease, here are a few tips that will come in handy.

1. Stay calm and do not panic:
It is normal to feel anxious and worried about the driving test. There are high chances of messing up when you are stressed. Therefore, avoid panicking during the exam and plan out your approach with a calm mind.

2. Get experience:
Practice and experience are two essential elements of passing the test. And both these elements complement each other. Without proper practice, you won’t be able to gain the experience that you might need. Get to know all the rules and regulations, and have an experienced driver to guide you on the dos and don’ts of driving.

3. Take the car that is familiar to you:
One of the critical tips to pass the driving test is to take your car with you. An unfamiliar vehicle can make giving the exam challenging. For example, if it rains, you will be comfortable handling your car’s controls rather than searching for the controls in a vehicle that is new to you. Another benefit of taking your car is that you will be familiar with the car’s judgment, and the test will go easier.

4. Use both hands for steering the wheel:
For a positive result and better judgment, use both your hands to get the grip of your steering wheel. Using only one hand may create difficulties in driving, resulting in a failed driving test.

5. Learn to drive in different conditions:
Weather is unpredictable. Hence, you must learn how to drive in different weather conditions, so you are always prepared in case of any sudden weather changes. Furthermore, practising driving in various weather conditions will help you be on the safer side.

6. Keep your basics right:
It is common for people to forget the basics while they are tense. Due to nervousness, standard rules such as checking mirrors can slip from the mind. Avoid making common mistakes like not checking the surroundings, lack of focus while reverse parking, and more. Keeping your basics right will help ease the burden and ensure a favourable outcome from your driving exam.

7. Do not hesitate to ask questions to the examiner:
Often, people feel scared to ask questions to the examiner in a fear that they will sound stupid or what the examiner might think. If you are unclear about what the examiner asked you to perform, do not hesitate to ask them to repeat what they said. Open communication is the key to passing your driving test without messing up.

8. Arrive at least 30 minutes before the given time:
Do not panic and rush to the location at the last hour. Doing so will create unnecessary stress and put you in a panic mode, affecting your driving exam. Therefore, get there 30 minutes before the scheduled test to get an idea about the surroundings.

Driving tests can be cleared quickly with a calm mind and following the tips mentioned above. Once you pass the tests, ensure that you follow all the traffic rules. Always carry essential documents with you, such as your driving licence, PUC, online car insurance details, so that you will be all clear even if the traffic police stops and question you.

Click HERE to know more about online car insurance plans best suited 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.

The chain on the motorcycle is one of the essential parts that helps its swift motion. A loose or malfunctioning chain would restrict the vehicle's movement. Regular maintenance and oiling are a few ways to ensure that the chain on your bike is working correctly. However, even after proper upkeep, we often encounter situations when the chain is loose. One of the main reasons for loose chains is untightened bolts. Other reasons can be a worn-down chain, mismatched teeth alignment, or the wrong sized chain.

Loose chains can have hazardous consequences. You can lose control of your bike, which can be threatening, especially on a busy road. Chain breakage can hurt the biker's leg and cause injuries. It can also get caught between the wheels and cause an abrupt stop, leading to the bike toppling over.

In this article, we will discuss a few ways to avoid the constant slipping of the chains.

1. Fixing new chains:
Brand new chains tend to stretch a little. The interlinking joints wear into each other gradually. It is advisable to ride at least fifty kilometres to loosen up the new chain a bit. Since the quality of chains can vary depending on the company and the metal, riding for long distances allows the new chain to adjust and get to the optimum stretch. Once you feel like the chains have loosened up a little, you can tighten them. After this initial step, you would not need to worry about the chains for some time.

2. Tightening the bolts:
Sometimes the bolts are not tight enough or become loose over time. Talk to a mechanic and understand how much the bolts need to be tightened to keep the chain in place and prevent it from slipping away.
If you are someone who goes off-roading and manoeuvers through treacherous tracks, then this tip might be helpful to you. The constant jerks and tension that your bike goes through can also lead to the loosening of the bolts. Using a lock nut can help prevent these bolts from loosening.

3. Replacing the sprockets:
If you notice that the teeth on your chains have been worn down, you must replace them. Even if only one tooth has been affected, it can cause damage to the others as well. So timely replacement of the sprockets is vital to ensure that your chain lasts longer.

4. Changing the chain:
Over time the chains experience considerable wear and tear and can have almost no functionality. This will require you to make changes and alterations to the chain constantly. If you face this problem frequently, it is high time to consider changing the chain altogether.

These are a few ways to ensure your chain is working correctly. Chain lubrication is another way to ensure your chain lasts longer and remains intact in its position. A well-functioning chain is vital to the overall health of the bike.

Worn-out chains can cause severe accidents and be dangerous for yourself and others on the road. Broken chains can impact your bike's performance. To safeguard yourself against repair expenses, you must look into bike insurance online. With the ease of technology, now you can browse through multiple options and make hassle-free investments in the best bike insurance that satisfies your requirements. By buying bike insurance online, you get an additional advantage of instant service and a reasonable premium by eliminating intermediaries.

Click HERE to check out 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.

We all know motor insurance has been made mandatory in our country. The purpose of purchasing car insurance coverage is to assure financial protection for the vehicle if it is involved in an accident.

When you file a claim with your insurer for automobile damage, you expect them to reimburse you as soon as possible. There are three possibilities in that situation: your claim gets granted, your insurance company may request further information, or your claim gets denied. And often, motor owners fail to get their car insurance claims resolved to their satisfaction.

If you’re facing a similar circumstance, you might want to investigate the following causes for claim denials.

1. Driving while intoxicated:
If the driver engages in driving under the influence of alcohol or other intoxicants, in that case, the insurer will deny the claim.

2. An unreal claim of the No Claim Bonus (NCB):
The insurer refuses any claim for NCB falsely declared and cancels any benefits under the policy’s damaged section.

3. Unidentified or unauthorized driver:
The claim gets rejected if the driver doesn’t possess a valid driver’s licence or if the permit is fraudulent, expired, or for a different vehicle class. This can also happen if someone besides the registered owner is driving it.

4. Delay in paying the premiums:
Go through your policy to find if it grants you a grace period to pay the premium beyond the deadline. Not paying premiums on time denies the claim and is one of the most common reasons. Avoid delays and buy motor insurance online for convenient paying options.

5. If there is no evidence to prove the crash happened:
Having no photos of the scene or any other documentation of the collision or car damage may force the insurer to deny your claim.

6. Claim of non-accidental loss:
The insurance doesn’t cover the wear and tear of your vehicle. Therefore claiming any damage that isn’t accidental might result in the claim getting rejected.

7. Confidentiality of information:
When you buy motor insurance online, you must provide the insurance company with every personal detail and update the same if required. This includes your name, address and any past car accidents. The insurer possesses the power to reject your claim due to non-disclosure.

8. Automobile not appropriately parked:
If your vehicle was not in a secure location during the time of theft or crash, your claim gets denied. Therefore, the insurer will always ask if you had parked your car correctly.

9. Missing monitor or safety device:
Claims get denied if you haven’t installed alarms, locks or tracking devices in your vehicle despite being mentioned.

10. Ongoing inspection:
Most insurers demand that your motor be examined before purchasing insurance. It lets them know of all harm that has already occurred. Insurers have the power to reject your claim at any point during the insurance claim procedure if you fail to follow this protocol.

After a vehicle accident, the last thing you want to deal with is an insurance claim denial. Repairing an automobile may burn a hole in your pocket without insurance plan coverage. Focus on the points mentioned earlier to reduce the risk of a rejected insurance claim. Check the reviews of other customers for their claim settlement experiences with insurance companies before you buy motor insurance online. So, follow the above tips to avoid the situation that leads to denial of your insurance claim.

To buy motor 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.

Traffic signals are an essential part of road safety. These signals are installed at intersections and busy roads to help control the movement of vehicles and avoid unnecessary congestion. They are exponentially effective during the night time when drivers generally tend to break the rules and cause mayhem on the road, which could lead to severe consequences.

But what happens when the traffic lights stop working? How can non-functional lights affect your journey during the night? By the end of this blog, you will understand the importance of traffic lights and how the situation could go haywire in their absence.

1. Risk of collisions:
At non-functional traffic lights, vehicles generally don’t stop or slow down, which usually leads to severe accidental consequences. This can put the safety of cars, drivers, passengers, and pedestrians in grave danger.

2. An increasing number of accidents:
Many underage drivers tend to drive fast and avoid maintaining the rules, which poses a massive threat to other vehicles on the road. And in the absence of traffic lights, this situation can get out of control. Speeding at unmanaged intersections invites potential safety hazards and can wreck many lives, thus increasing the number of casualties.

3. Massive traffic handling issues:
Traffic lights don't just avoid accidents; they also help handle the traffic emerging from all directions. The drivers who avoid waiting for their turns usually try to ignore the rules. They have to stop at the signals to be in sync with the other vehicles.
But, if the traffic lights are not functioning correctly, they get the liberty to jump signals without any trouble. It can cause considerable stir and chaos and make it challenging to handle the traffic.

4. Slow-moving traffic will be more chaotic:
We all have been stuck in slow-moving traffic. It takes up time and patience. Worse than slow-moving traffic is heavy traffic. It disrupts the movement and creates a jam for longer hours and distances. Traffic lights act as a saviour as it controls the direction of the fleet of vehicles and allows different sections to go first.
In the absence of functional traffic lights, the slow-moving traffic turns into heavy traffic as it will take a long time to clear the clutter. Vehicles have no idea of traffic movement at the defunct traffic signals. Overcrowding of vehicles becomes the cause of headaches for the drivers.

We discussed how the absence of traffic lights would increase the risk of road accidents. Even if the traffic lights are non-functional, we as responsible drivers must take all the necessary precautions from our side while driving a vehicle at night. Always slow down at intersections, give proper indication while making a turn, avoid over-speeding or honking.

Vehicles often get involved in accidents at night due to minor errors at the driver's part at the intersections. Investing in insurance is mandatory and of utmost importance to safeguard your vehicle against damage during unforeseen circumstances. Analyze your requirements, buy insurance from the best motor insurance company in India and always have a safe and protected ride.

Click HERE to know more about 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.

Outsourcing some of your important work to dedicated vendors is becoming increasingly frequent. These third parties are often not under your control and may not provide complete insight into their information security processes. Some vendors have strong security standards and risk management procedures, while others may not.

When your vendor's or business partner's computer system is hacked and sensitive data is exposed, this is known as a third-party data breach. Cybercriminals can target any vendor in your company ecosystem, and industry experts estimate that third-party companies are responsible for over 60% of all data breaches.

Data breaches are not only disruptive but also expensive. A breach can be challenging to recover from, especially for small businesses that cannot absorb the expenditure. However, public liability insurance can help enterprises survive. So, if you're a business owner, get a quote online to reduce your risk.

Avoiding a data breach can seem challenging as the volume of information grows and the threat landscape changes. However, this is not the case. Here are four helpful suggestions for preventing data breaches in your company.

1. Audit third-party vendors' cybersecurity:
It's critical to assess the risk of collaborating with a third party thoroughly. Neglecting this can create an alarming situation for your organisation. You can regulate the security assessment by incorporating questionnaires that inspect the security policies of the third party.
Thoroughly analyse all the security touchpoints to obtain a clear picture of vendor cyber risk. Companies should automate assessments to make them swift and scalable.

2. Incorporate a security policy into your contract:
Every organisation should have a written information security policy that covers all aspects of managing data on their network. This includes what data can be collected, how to manage it, how long each type of data should be retained for, the level of security controls required for each data type, etc.

3. Limit access to data:
There is a considerable risk of a breach if sensitive data is accessible to all vendors without limits. Therefore, limiting and regulating the data access to vendors must be practiced to protect your company against data compromise.
With so many distinct departments and vendors associated, it can get complicated. As a result, knowing all the risks pertaining to the organisation becomes critical.

4. Continuous monitoring:
The online world is fluid, and cyber threats are always changing. Furthermore, businesses constantly release new software and technologies that may expose them to attacks. Because of the ever-changing world, performing periodic cyber risk assessments of your third parties is no longer sufficient.
Instead, to avoid third-party data breaches, it's critical to keep an eye on your suppliers for new cyber vulnerabilities and receive real-time notifications about any changes in their procedures.

Following these four practices will lessen the chance of a data breach in your company. You can substantially improve cybersecurity by prioritising data protection and selecting the proper tools to assist you. Also, it's essential to have public liability insurance to pay for expenses related to a breach. Choose the right plan for your business by comparing public liability insurance prices online and adding a strong layer of financial security.

Click HERE to know more about public liability insurance prices.

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.

Owning a two-wheeler not only makes the commute between two places easy, it also becomes a convenient option when you want to skip the traffic.

And, as you notice the several other benefits of using a two-wheeler, you choose the best services for your bike. A well-maintained motorcycle gives the best performance and comfort. Be it the service centre or the insurance provider; you do not want to take either of these lightly. However, owing to the fast-paced life that we are leading, it can become challenging to keep note of the next bike servicing or the renewal of your bike insurance.

Choosing the best insurance provider can be a daunting task, but you can find the best options and renew bike insurance online with little research and time.

This article will look at a few things you need to keep before renewing bike insurance online.

1. No Claim Bonus:
No claim bonus or NCB is a reward that your insurer provides when you have not made any claims in the previous year. An NCB is a testimonial of responsible driving. The benefit is in the form of concessions or discounts for future renewals. Even if you switch or sell your previous bike, your NCB stays with you and is applicable on the next purchase.

2. Coverage:
You don’t need to continue with your previous policy. You can opt for insurance policies that provide better coverage at lower premiums. Over your last term, you must have realised what other services you require. Hence, choose increased coverage or make changes as per your requirements.

3. Setting the IDV:
During every renewal period, it is advisable to change your IDV. You can decrease or increase the insured declared value that the insurance provider is bound to pay you in case of a total loss of your bike. Understanding IDV is crucial to assessing the correct value for your vehicle. Opting for lower IDV means you are underinsuring your motorcycle while choosing higher IDV means a higher premium.

4. Add on covers:
While renewing your policy, you can opt for various add-ons on your insurance cover. This is an intelligent way of reaping more benefits for a slightly higher premium. These add-ons are worth the extra premium. Zero depreciation, passenger assistance, roadside assistance, NCB protection are a few options you can choose.

5. Choose in advance:
It is illegal to drive a bike without valid insurance papers. So instead of waiting for the last minute to change or renew your insurance, it is best to start looking for options before the end of the policy period. This way, you can have ample time to consider various options before you make the final decision.

These are the few things you need to keep in mind before renewing your bike insurance. Do not forget to miss out on the renewal dates, as it can affect the continuity of your policy and other benefits.

Choosing the right insurance can be a challenging task, but do not be afraid to ask questions to your insurance provider to clear your doubts. Their job is to help you figure out the best options for you. Read reviews online, as they can help you assess the credibility of the company you are opting for. You can renew bike insurance online quickly and efficiently with these things in mind.

Click HERE to renew 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.

The thought of a road trip gets us all excited. It sure becomes very energetic, fun, and memorable with all our close family members and friends. As a thumb rule, you always double-check everything on your “packing list” to ensure you don't miss out on any essential item.

If you do this for yourself and your family members, how about double-checking your car before starting a road trip? Your car’s headlights also play a vital role in ensuring a safe journey during the night and avoiding any mishaps on the road.

In this blog, we will be discussing the checklist for the headlights of your vehicle that you need to take care of before starting your trip.

1. Got a fuse problem:
Check and see if you gather all information regarding the fuse blowout of your headlights. If you are sure of the damage, examine for loose wires. If you find any issues, fix them at the earliest. And if nothing works, replace the headlights (especially if there is a high beam bulb problem).

2. Do not delay replacement:
Examine the light emitted from your car’s headlights. Do you suspect that they have dimmed? If you conclude that your lights have dimmed (called burnout), you must replace the headlights with new ones to avoid risking your safety on the road, especially during the night time. Uneven terrains and night driving can be risky when you have burnt-out headlights. It poses threats of accidents and compromises the car's safety, the driver, the passengers, and other vehicles on the road.

3. Make smart changes:
Whenever you feel that there is a need to replace the light bulbs of your car's headlights, always make sure that you do so in pairs. If the light has dimmed, exchange the old bulbs for the new ones in twos. That way, it would make the headlights consistent instead of one old and one new light bulb, which would create a difference in the intensity of the light beam. It would make it difficult for other drivers to understand the indication and affect your visibility on the road.

4. Align the beams of light:
Turn on the headlights of your car and check the light beams closely. Make sure that the light is aligned and aimed at the road. If the light is directed towards the vehicle approaching your direction, it may cause an accident as the other person would find it difficult to see what is in front of them. This would result in a fatal crash endangering car occupants and other vehicles on the road.

These were some tips you could take care of related to your car’s headlights. Few other pointers include upgrading the versions of headlights compatible with your vehicle and other DIY hacks for which you wouldn’t always need a professional mechanic to help you with minor replacements, etc.

And while you ensure the checklist of your car’s headlight before heading on a trip, it is also essential to verify that your car insurance is updated. Keep track of your car insurance renewal dates to avoid interruption in the benefits and save your policy from lapsing.

Click HERE to know more about car 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.

Driving trucks is considered to be a dangerous job in many countries. It requires more strength, focus, and training to drive a massive vehicle. Most trucks have more than six tyres, whereas large trucks can have eighteen wheels and more. Truck drivers have to be very cautious operating such heavy machinery with material weighing tons. They need to be careful on a busy road with smaller-sized vehicles around.

Trucks are an integral part of the transportation and logistics teams. They help move various supplies around several industries and within different sets of factories within a single sector.
In such scenarios, the training of truck drivers becomes essential. By training them about the rules and safety measures, you protect them and avoid the risk of accidents and subsequent medical costs and insurance claims. But what are specific pointers for truck drivers that they should follow strictly?

This blog will discuss all the measures they can take. Implement these tips to ensure the safety of truck drivers by minimising accidents.

1. Stay patient:
While driving such a giant vehicle, truck drivers need to ensure that they are calm, relaxed, and attentive. Even the tiniest anger or frustration can distract drivers who can have severe accidental consequences and potentially cause heavy damage to the truck, other vehicles, and people on the road. Drivers must avoid any road rage behaviour and mindset even when cut off or honked by other drivers on the road.

2. Seatbelts are a must:
Wearing your seatbelt is a universal rule for all four-wheelers and above. Trucks bear no difference here. It is even more necessary since trucks are enormous, and maintaining balance, sudden jerks, close calls with other vehicles, and poor road conditions can be tricky for a driver. You can lose momentum and control of your body during such sudden movements and putting your driving at risk.

3. Be on the lookout for blind spots:
Blind spots can make your life challenging as a truck driver. It is often difficult to see the positioning of other cars, and the side view and rearview mirrors might not be of a huge help due to the height and captured visibility. Hence, while driving the truck, it is suggested that they leave a gap around the corners. Keep a watch manually while changing lanes to avoid the risk of blind spots.

4. Use signals correctly:
It is crucial to know what each signal means and how it would impact you and other vehicles on the road while moving. Give the proper indication so that the car around you knows which direction you might be turning. Leaving the other drivers on the road hanging and anticipating your next move can cause dangerous collisions and accidents.

Other tips include carrying a bag of spare essentials for emergencies, avoiding alcohol before and while driving, having spare parts and tools handy, not using cell phones or any other gadgets while driving, etc. These measures are quite common and essential to implement earnestly.

That’s a wrap on how you can implement these tips to ensure the safety of truck drivers by minimising accidents. It is equally important to take care of your truck since it encounters different terrains, and long distances can cause wear and tear of the tyres and damage other parts. For such sudden circumstances, motor insurance will safeguard your vehicle. You can explore your options and buy motor insurance online to provide firm protection to the big machine.

Click HERE to know more about how you can 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.

It is a widespread concern that healthy diets may not provide enough protein to the body. Muscle growth and maintenance, health of skin and hair are all dependent on getting enough protein. It also helps keep you satiated, which is essential.

Why is there a need for protein?

Proteins are made up of amino acids, and an adequate supply of amino acids is necessary for the normal development of our cells. There are several crucial parts of our bodies where proteins play an important role. These include our skin, nails, and other vital organs.

Many people are curious about how vegetarians can receive enough protein in their diets, but it's pretty simple. If you're attempting to stop eating meat and consume more veggies or turning vegan, these vegetarian sources of proteins can assist you in meeting your daily protein intake.

1. Lentils:

Adding lentils, or dal, to a daily meal is common in Indian cuisine. With each cup containing roughly 18 grams of protein, fresh salads, substantial soups, and dals laced with spices are just a few of the foods that can be made with them. Lentils are a good source of protein and fibre, which can aid in the maintenance of a healthy microbiome in the intestines.

2. Oats:

Eating oats is a simple and delicious way to increase the protein intake in your daily diet. In addition to being high in protein, oats are a powerhouse of soluble fibre. Clinical studies show that oats can help lower cholesterol and reduce the risk of heart disease. While not considered a total protein, oats provide a higher quality protein than some commonly consumed grains, such as rice and wheat.

3. Legumes:

In general, legumes are thought of as protein-rich foods because of their large concentration of essential amino acids. For example, chickpeas have roughly 15 grams of protein per serving, as well as a slew of other nutrients that will keep you strong, healthy, and fit.

4. Nuts:

Nuts are considered nutritional powerhouses. They are an excellent source of dietary protein for vegetarians and vegans alike. Nuts like almonds and cashews are a good source of protein and are considered a protein-rich diet.

5. Green Peas:

Green peas are a good source of vitamin A, potassium, and folate, all found in abundance in this dish. Simply adding green peas to your everyday vegetarian diet can help in supplying your body with the additional protein it demands.

6. Tofu:

Adding tofu to your plant-based diet can be a great decision since it is an excellent source of protein and minerals. Usually, people consume Tofu as a replacement or a veg-alternative to meatballs to add to their healthy lifestyle.

Final Words

If you're eating a nutritious diet, you're unlikely to have protein deficits as experienced by many vegetarians and vegans. The above list might serve as a starting point for anyone who wants to boost the consumption of vegetarian sources of protein.

Speaking of nutrition, if you are not regularly consuming essential nutrients and minerals via protein food items, your body may become vulnerable to diseases or infections. Hence, considering health insurance is an excellent idea to assist you in providing additional financial protection you always require to keep you stress-free and ensure your well-being.

Click HERE to know more about different 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 events that are not under any human's control, cannot be predicted, and are bound to happen, are called an "act of God." The unavoidable destruction caused by natural disasters, including earthquakes, floods, cyclones, volcanic eruptions, asteroid collisions, etc., are considered "act of God". One cannot estimate these vast events, and occurrences cannot be counted at their time of happening. They happen, and humankind must bear the passive consequences of such active events.

Did you know that insurance covers damages due to “act of God” events? Let's learn more about the chronology of events and decisions taken by the government and other companies and help you become more knowledgeable about insurance and its clauses.

1. What exactly is the "Act of God" insurance?
This insurance covers damages and losses done due to incidents that come under the act of God. But if there is any harm or damage done to the property due to human ignorance and negligence, family dispute, etc., you will not be reimbursed and covered through the act of God insurance.

2. Is the "Act of God" coverage the same everywhere?
A lot of similar events are covered in the act of God insurance. The similarity is relatively high. But certain events might be an odd one out in a policy and is not included for other circumstances. You need to keep yourself up to date with the clauses, terms, conditions, prices, renewal rates, exceptions, etc.

3. Do you need to assess your insured properties and assets?
You need to evaluate your properties, assets, etc., that are insured. It is essential to assess the risks of those possessions and chart out the potential risks that can happen under God's name. This will help you clarify the dangers and negative possibilities and how you could recover from them using the liabilities that come under the act of God insurance. These risk evaluations will help you reap the benefits and help spread awareness about the act of good insurance and its pros and cons.

Another important clause is the extreme climate conditions you need to be aware of. You must purchase the act of God insurance for third-party protection and security of your properties, etc., against all unavoidable dangers. The policy is eligible for termination if the authorities observe any inconsistencies, negligence, zero remorse, and rectification of mistakes. Examine the policy in detail and watch for any hidden clause and terms and conditions that might devoid you of the "Act of God" insurance benefits. You need to present the proof of these events to claim your insurance and reap the benefits that come along with it. Also remember, insurance companies may limit the coverage for acts of God under some specific terms and conditions.

Apart from the "Act of God" events that you might or might not see coming, you need to take care of the risks which can make you liable/responsible for inevitable mishaps (e.g., a machinery accident in your factory causing injuries to the workers). You need to purchase public liability insurance in India to cover such alarming accidents. Explore your options and determine which insurance plan suits you and your business's needs.

Click HERE to know more about the best public liability 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.

As a bike owner, you enjoy all the perks that come with it. Whether going to the nearest grocery store to get your monthly supplies or taking an impromptu long trip, one can not deny the many benefits of owning a two-wheeler. But as with great power comes great responsibility. Having a bike also means dedicated time to take care of it. So, it is your responsibility to keep your bike moving and functioning.

Irrespective of how often you drive your two-wheelers, it is susceptible to daily wear and tear. It is, however, possible to increase the longevity of bikes to some extent.

In this article, we will take a look at a few ways in which you can increase the longevity of your two-wheeler. Extending a bike’s life is not a very challenging task. You need to be slightly attentive to the signs indicating any faults and provide regular upkeep without constantly worrying about maintaining it.

1. Regular servicing:
Regular servicing ensures that the bike performs optimally. Your service cycle depends on how old your bike is. Speak to an expert and understand the servicing cycle for your two-wheelers. Things such as changing engine oil, ensuring proper functionality of brakes, checking for corrosion are a few things to note during the next servicing.

2. Riding habits:
The lack of coordination between the clutch and gear affects the bike’s performance in the long run. This puts an unnecessary load on the engine if done constantly. Giving ample time to yourself to understand gear shift and the bike's speed will help you perform better on the road.

3. Manage the load:
Overburdening the bike during long road trips can have dire effects on the vehicle. You must balance out excessive workload with regular maintenance. However, if you overload the bike with minimal aftercare, the bike is bound to break down eventually.

4. Keep it clean:
Maintaining your bike through regular cleaning can help you increase the functionality of your two-wheeler. Use soaps specifically meant for your bikes to wash with water and a cloth. Always wipe the bike thoroughly after every wash. After driving through rains or dirty tracks, wipe down your bike to avoid dust and dirt accumulation to avoid corrosion.
Dust and dirt can affect the engine’s functionality and spoil the paint job on the vehicle. A dirty bike is more susceptible to various problems such as rusting that can impact its overall performance.

5. Take note of minor changes and problems:
Usually, vehicles produce different sounds or low-performance levels as an indicator for various problems that are likely to arise. Do not neglect the problems, immediately take your two-wheeler to the service centre and get it checked thoroughly.

These were a few things to keep in mind if you want to ensure a long life for your two-wheelers. Sometimes no matter what you do, your bikes can still cause troubles and might need extensive servicing and change in parts. All changes said and done can come out to be pretty expensive.

It is a wise option to invest in 2 wheeler insurance to cover the damages, cost involved in repairs, and replacement of parts. Buying an ideal 2 wheeler insurance is also a good habit of increasing the longevity of your two-wheeler and can be beneficial for it to cover more distances.

Click HERE to know more about 2 wheeler 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.

It can be highly frustrating for any rider to turn the key in the ignition, and the vehicle fails to start. There are several reasons for your bike giving way and facing trouble starting smoothly. While a motorcycle's design is simple to understand, it can be challenging to point out the reasons for these ignition issues. However, knowing about the possible reasons causing these issues is essential in maintaining your vehicle and fixing these problems.

You may consider the extreme winter season to be the main reason your bike fails to start, but there are several more. While you can always rely on bike insurance for critical problems, you can read the points below to learn the probable reasons for the two-wheeler failing to start.

1. The battery is weak or dead:
Some two-wheelers are designed to start using an electric self-start. Their motor is dependent on the battery. If this motorcycle does not start when you press the self-start button, it could be because the battery did not transfer a sufficient charge to kickstart the motor.
A weak or dead battery cannot provide this high voltage to the engine, and therefore, the electric self-start won't be operational. In this case, you may have to call a mechanic to either recharge or replace your bike's battery.

2. Too cold:
This frozen state of the bike is caused mainly due to extreme cold weather conditions. Combustion doesn't occur correctly as the gasoline in the vehicle doesn't evaporate when mixed with air. There might be ice build-up that is causing the malfunction. You can use a space heater directly on the engine for 15-20 mins to get your motor running.

3. The fuel tank vent is clogged:
Since the fuel tank vent in most motorcycles is too narrow, it becomes inconvenient to supply fuel to the intake system consistently. The vent can get clogged due to no regular maintenance and cleaning, and the fuel supply gets restricted. If you find yourself stuck in this mess, try to unclog the duct with a thin pin or get it cleaned.

4. Blocking intake or exhaust:
A blocked airbox or a blocked muffler exit may be another significant reason your bike won’t start easily. The motorcycle’s mechanism is dependent on the intake and exhaust system, and your bike will give away if it is restricted or clogged for some reason. Get it checked by a professional as soon as possible to avoid further damage.

5. The clutch does not engage properly:
The clutch lever needs to be correctly pulled to start your bike successfully. Often, problems can occur in the ignition when the clutch does not engage correctly. Try again by bringing your transmission into neutral and then starting the bike. Sometimes, riders turn off their bike while in gear and forget to put it back into neutral. You must set your bike into neutral and start again.

6. Problems with the spark plug wire:
A loose or cracked spark plug wire can also cause your bike to fail to start. Constant heating of the engine will eventually deteriorate the material of the wires in the motorcycle over time. Places with extreme weather conditions can be a catalyst in the cracking of the spark plug wire. If you find any cracks or slits in your bike's wires, replace them to avoid any issues.

These are a few likely reasons why your bike may fail to start. While investing in a reliable bike insurance plan can secure your vehicle by covering the expenses involved in the garage repairs, it is essential to know about the issues that could arise with your two-wheeler. Being aware and getting to the root of every problem can avoid future losses.

Click HERE to buy a comprehensive bike insurance plan for your new 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.