GENERAL INSURANCE BLOG

We all must have travelled by road at night, either by choice or due to some emergency. We try to stay awake and attentive while driving, no matter what happens. Then sleep starts taking over. We feel drowsy but continue to drive, feeling strong enough to stay awake with focus. But, this can be a fatal situation for the driver and others on the road.

So how can we avoid sleeping while driving during the night? Let us go through some of the best tips for the same.

1. Do not drive for long distances alone:
Never try to drive alone for over 4-5 hours, especially at night. Always take a co-passenger along who can drive. This has two advantages. Firstly, you can change shifts with him and rest in the middle of a long journey. Secondly, you will have someone to talk to, which will take your boredom away, and you will stay attentive and awake. If you cannot find a friend or a family member to accompany you for the trip, hire a driver and take him along.

2. Do not drive when you are sleep deprived:
Always ensure that you have slept well for at least 8 hours the night before you plan to drive at night. A proper night's sleep keeps you fresh, and you will not feel drowsy when in the driving seat. Sleep deprivation is one of the major causes of making you fall asleep while driving.

3. Park and take a nap:
What to do if you are sleepy but still have to continue your journey because it is urgent? Park your car on the side of the road, and take a nap for half an hour or so. This will do wonders for you and make you feel refreshed, awake, and alert again. Have some water and wash your face to recharge yourself and continue driving.

4. Turn on some music:
Turn on music that you love on your car stereo and hum with the songs. This will keep your mind alert, and you will feel fresh. Music stimulate your brain and keep you mentally awake.

5. Take caffeine and snacks:
Caffeine is a proven stimulant that helps you to stay awake and alert. Take regular coffee or tea breaks during your drive to help you fight drowsiness. Also, you can keep munching something while you drive. Get out of your car, roll down your windows, and take fresh air, coffee, and snacks.

6. Do not drink and drive:
Taking alcohol before or while driving at night seriously threatens your ability to stay awake and drive with focus. It is prohibited, and even one drink will make you sleepy if you have not had a good night's sleep the previous night or are feeling drowsy. You will feel low in energy, start losing concentration and can meet with an accident.

Sleeping while driving during the night can be life-threatening for you, your co-passengers, and even third parties and other vehicles around you. But it can happen to anyone. Sleep is sometimes uncontrollable, but the factors that can make you sleepy are surely controllable. Follow the above practises and have a safe night's journey.

Before heading out on a car trip, you must purchase personal accident insurance in addition to your car insurance. It will cover disablement and bodily injuries, impairment, and even loss of life while travelling. It becomes all the more essential if you frequently travel by road at night as the chances of accidents increase manifold at that time. Do your research well and choose the best personal accident policy in India.

Click HERE to buy the best personal accident 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.

Every industry undergoes some reform from time to time. This can be due to various reasons- changes in the country’s economic conditions, level of crisis, the impact of international and national markets, contribution to the nation’s GDP (Gross Domestic Product), budget regulations and much more. Several types of insurance act as investment plans, help you in a financially stress-free emergency, provide tax-saving benefits, and ensure a secure future for your loved ones and dependents.

Does the insurance sector undergo changes and reforms on a large scale too? The answer is yes. The premiums, terms and conditions, age limits, benefits, renewal, etc., are reviewed and revised when needed. This ensures that the insurance matches pace with the current economic conditions, the situation in the market and the demands of an existing and potential set of customers. And if you are someone who has purchased insurance policies or is planning to explore your options in the sector for all the good reasons, you need to stay updated with the changes.

This blog will discuss the revised terms and reforms you need to be aware of in the insurance industry. So, let’s get started!

The pandemic caught the eyes of the insurance sector reforms:

The covid-19 pandemic brought the entire world to a very unexpected halt. Given the pace of development and technological advancement, the pandemic situation across the globe was beyond the people’s and government’s imagination. While people were under lockdown, several opportunities opened up, and many sectors, mainly fintech, saw massive growth. In the insurance sector, which is majorly categorised into life, health and general insurance, the FDI (Foreign Direct Investment) limit is increased to 74 per cent from 49 per cent as per the new Insurance Amendment Bill 2021 passed in the Indian Parliament.

This was primarily focused on getting more foreign investments onboard. Why? The insurance sector is considered a good investment option. It is a capital concentration with a long development period. It takes at least seven to ten years to start making profits apart from their regular budget, retention and expenditure.

What does the FDI reform ensure:
The FDI reform discussed in the previous point will open up multiple avenues for investment in the insurance sector. This will significantly aid them in growth and expansion, even overseas. The whole loop continues and might attract more foreign interests, thus helping them flourish economically, eventually providing new features and insurance options for the customers such as

1. Pay-as-you-use motor insurance plan has now been ideated into the motor insurance framework. This would enable the customers and policyholders to reduce their premiums as per reduced coverage by availing of the switching on and off options.

2. Health insurance plans have been customised to comprehensively understand the needs of people during stressful times of covid. The comprehensive health insurance policies have incorporated mental health issues, covid-19 problems, modern procedures and treatments, etc.

Health insurance providers have been permitted to raise or reduce the health insurance policy premiums by almost fifteen per cent after three years. This is considered a significant reform in the health insurance sector and the pricing of these policies.

Some other reforms were accomplished regarding insurance awareness programs to ensure that people from the remote sectors of the country know the benefits of insurance policies and can avail a secure future, introduction of digitalisation of KYC and verification processes for the convenience of the existing and potential customers, 24*7 online help assistants, etc.

These were some updated terms and reforms you need to be aware of in the insurance industry. Insurance coverages help secure a financially stress-free situation when you encounter unprecedented circumstances that can endanger your health, assets or life. So, a wise option would be to explore all your options from the comfort of your home and buy insurance policy online that would cater to your needs in the best ways possible.

Click HERE to know more about how you can buy insurance policy online.

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

Have you ever been driving around and seen someone cutting it too close to your car's bumper? If yes, you are familiar with tailgating. For those unaware of the term, tailgating happens when there is insufficient space between your car and the one in front of you or behind you.

The likelihood of a collision increases with just one forceful brake from the vehicle in front. Tailgating increases the risk of accidents, making it essential for car owners to protect their vehicles. Also ensure that you avail of online motor insurance renewal services offered by your preferred insurer.

While insurance can help you safeguard your vehicle and yourself from financial contingencies, here are some tips to prevent tailgating.

What are the risks of tailgating?

A significant risk of tailgating is that drivers do not provide adequate space to stop if the vehicle in front suddenly decelerates which more likely makes a rear-end collision. A multi-car pileup that starts with one rear-end accident is expected to spread. Accidents involving a rear-end often result in neck and back injuries.

Another risk of tailgating is that it can create pressure on the vehicle's driver in front to apply the brakes to dissuade the tailgater. When the front driver performs what is known as a brake check, an impending collision may result if the foot is held down for even a brief period. In the worst case, brake inspections can also spark road rage among tailgaters.

Ways to prevent tailgating.

Driving too close to the car in front is the main reason for tailgating. Maybe you're upset or impatient and hurried. Whichever one it is, tailgating puts you and other drivers in danger every time.

Here are some tips to help you maintain a safe distance.

1. Understand the distances you often stopover:
The variation depends on how quickly you're moving. You might get into problems if you can't stop in this amount of time. Remember that stopping distances increase in wet circumstances, so be cautious and give the car in front of you enough room. You should raise the spacing by up to 10 times on slippery roads and at least double it in wet conditions.

2. Maintain your calm:
Avoid venting your frustration to other drivers if you feel irritated, furious, or exhausted. Stay at home until you feel better, or pause to unwind and regain focus before resuming your driving. It costs nothing to drive courteously and makes everyone's journeys safer.

3. Make use of your car safety features:
Nowadays, many vehicles feature collision warning systems that warn drivers if they approach the car in front too closely. Utilise such devices, but don't entirely depend on them. Always follow the road regulations rather than pushing your car's technology to its limit.

Driving is a skill that requires significant experience to master. Keeping calm and efficiently managing situations like tailgating is an indicator of an experienced driver. While you may not be able to control other drivers and their behaviour on the road, you can always ensure your vehicle's safety by following the above tips. Also, remember to avail an online motor insurance renewal service or purchase a new motor insurance policy to protect yourself from financial losses due to an accident.

Click HERE to proceed to 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.

A lot of stress surrounds the idea of getting your package shipped overseas. Knowing that your cargo will travel a long distance, you will want it to reach its destination safely.

While sending your package overseas, there are a few crucial things that you should keep in mind to save time and effort. The best thing you can do is look for a reputable and trusted cargo shipping company that will take care of your package. If you're sending a cargo for the first time, then there are several things you must know.

While you plan to ship your cargo, consider securing it with reliable marine insurance. For this, you need to be familiar with different marine insurance companies that offer this insurance at the best rates.

And to help you choose the best cargo shipping company, here are a few tips to make the right decision.

1. Competitive prices:
Pricing is one of the first things to consider when you choose a cargo shipping company. It would help if you did ample research about the average cost of shipping overseas.
In this way, the companies will not be able to scam you into paying more than usual. Consider a company that delivers on time and takes full responsibility for the goods to reach safely.

2. Delivery timeline:
The delivery timeline is also very important whenever you ship a package overseas. It can take days, weeks, and even months to reach your desired destination. Before you choose a company, enquire about their delivery timelines and make sure they are reliable and intact. The arrival of the package on the estimated date is significant.

3. Safety:
It is always wise to opt for a cargo shipping company that has been registered and procured a business license and permission from the concerned government authorities. Make sure to research it in advance, so you do not lodge yourself in a possible scam later. Try and track down customer reviews and feedback as well. Your package will be valuable and worth thousands of rupees. Safety is essential and it should not be compromised in any way.

4. Reliable insurance:
Your package should have good insurance to back up its security. Go for marine insurance companies that provide comprehensive and hassle-free coverage for your cargo package. This ensures that you get compensation, if things, unfortunately, go wrong.

5. Tracking:
Before you choose any cargo company, ask them about tracking mechanisms. In this way, you can follow the whole movement of your package through live tracking status. Your cargo shipping company should provide you with the tracking details. If it doesn't, avoid choosing that company.

6. Customer care:
Every cargo shipping company should have a functioning and active customer care service to answer all your queries related to the shipment. Make sure that you do a thorough background check on the company you are choosing. Select a company with an active customer service with 24/7 support.

When you invest your valuable time, effort, and money in sending the parcel to your family or friends, you always expect it to reach them safely and on time. These tips should be your priority when choosing a cargo shipping company for your goods. Additionally, it would help if you purchase insurance to cover the financial loss if your cargo gets damaged due to mishaps. Research the top marine insurance companies that offer relevant insurance for all your needs, compare their policies, understand the terms, and then make a final decision.

Click HERE to know more about marine 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.

In a world riddled with war and crime, it is always good to know that if need be, you can defend yourself. With active crimes rising daily, it is best to have some tips and tricks under your belt to protect yourself and your loved ones. One way to ensure your safety is by enrolling in self-defence classes. There are various kinds of self-defence methods that you can practice, such as karate, krav maga, boxing, judo, etc.

Choosing the one that best suits you and piques your interest can make learning more enjoyable. People have professed the importance of self-defence for women and children, but what is important to remember is that self-defence is for everyone.

This article will examine the importance of self-defence classes and why you should consider enrolling in one.

1. It helps your physical form:
One of the most crucial elements of self-defence is timely reflexes. If you are put in a dangerous situation, your mind and body should manage to work in sync. You can only achieve this with practice. Training can help you inculcate the necessary conditioning and helps you with a better fight or flight response.
Your body prepares for an adrenaline dump with the right amount of practice. Adrenaline dump is a reaction the body goes through in case of unprecedented dangers. Since the adrenaline rush lasts only a few moments, it is crucial to act immediately for the best outcomes.

2. Builds confidence:
When people are timid, they tend to undermine their skill set and are incapable of protecting themselves. Self-defence is an excellent way to build confidence and protect oneself in times of need by believing in their skill set.
Being confident helps you defend yourself and leaves a lasting impression on people. If you are aiming for overall development, self-defence can be extremely helpful.

3. Master discipline:
Excelling in any field requires hours and hours of hard work and dedication. The same applies to self-defence. The more hours you put into mastering this art, the better you will get the results.
The urge to improve yourself can drive you to a dedicated routine, which builds a disciplinary lifestyle. So, taking self-defence classes helps you stay focussed, grounded, and more aware of your surroundings.

4. Fighter instinct:
When faced with life-threatening or dangerous situations, it is best to start acting as early as possible. The quicker you are with your thinking, the sooner you can fight through your opponent or potential threats.
The power and the speed of your attack will help buy you some time before the attacker attacks again. You can utilise this time to escape or attack the opponent to keep yourself safe. These seconds can play a vital role in deciding your survival.

5. Makes you more goal-oriented:
Your goals at any particular time can be as small as achieving the perfect kick or as daunting as escaping a kidnap. Upon seeing an improvement in form, you only want to better yourself and make yourself well equipped to withstand any attack. Setting these small goals can significantly impact your form and energy.

These are a few reasons self-defence should be a part of everyone’s life. If you have children, it is best to give them an early start. We are constantly surrounded by news of mugging, killing, robbery, and kidnapping. Preparing yourself and your loved ones for any such thing is the best way to ensure their safety and welfare.

Another crucial way to ensure full protection for your family is by enrolling in personal accident insurance India. Personal accident insurances are the much-needed safety net that gives fruitful results during emergencies. Your insurance provider will help you financially to avoid an unnecessary burden on your shoulders to deal with the situation.

Click HERE to buy personal accident 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.

Critical illness insurance covers serious health conditions that require expensive and long treatment. Such illnesses include cancer, paralysis, stroke, organ transplant, heart attack, coma, etc. The treatment for these illnesses can drain your savings and negatively impact your financial condition.

The recovery is time-consuming, beginning from the detection phase to a myriad of medical tests to surgery and then gradually returning to normalcy. All this will cost us much more than any normal health insurance coverage. This creates the need to have dedicated insurance cover for critical illnesses that are affordable and provide robust protection.

Let us look at the best tips for affordable health insurance plans for critical illness.

1. Comprehensive critical illness insurance policy:
A comprehensive critical illness insurance policy gives us a lump sum amount after we submit the required documents to the insurance company. You can use this sum to pay for the treatment cost, including diagnosis, hospitalisation, any surgery in the process, and the doctor's fees. The sum assured under such policy is fixed. Hence, you can plan your insurance coverage as per your specific needs.

2. Buy it as a rider:
You can buy a critical illness insurance policy as a rider to your existing health insurance policy. Hence you will not need to buy a new insurance policy to get this cover. Also, try to get this additional coverage in the health insurance policy provided by your employer to save money.

3. Low cost:
A critical illness insurance policy does not cost us a very high premium. The premium for such policies is much less than that for your regular health insurance. However, these covers provide us protection only for specific situations. Hence, they should never be used as a substitute for your regular health insurance policies.

4. Compare the premium charged:
Always compare the premium charged for critical illness insurance policies of different companies and select the most affordable one. You can do a detailed online search instead of visiting every insurance company's offices individually.

5. Check for the exact inclusions:
Always check the features and the exact inclusions of the policy because they may vary with every insurance company. Do thorough research and list what the policy does not cover. For example, your policy may state that it covers cancer. But it may also be mentioned in the fine print that it will provide a cover for cancer only after it reaches a certain level of severity.

6. Waiting period:
Look for a policy with the least waiting period. Usually, you can raise a claim for a critical illness after 90 days from the date of commencement of your policy. If you have a pre-existing major disease, the cover may start as late as 48 months from the commencement of the policy.

7. Age limit and benefits:
Always ensure the age limit until your policy provides you with insurance coverage. This will be helpful to you when you cross 60 years of age. There are some companies that provide a lifelong cover. Hence, it is advisable to choose such plans. Also, you should assess the benefits of your policy, such as NCB (No-claim bonus), in case you do not make any claim in a year.

Critical illnesses can result in the loss of your job, partial or permanent disability, and leave you with no source of income. The high cost of treatment can result in draining your pockets as the coverage provided by standard health insurance policies is insufficient for such misfortunes. The solution is to go for the best critical illness insurance policy available. The above tips can help you to choose the most affordable health insurance plans for critical illness upon which you can rely in times of actual need.

Click HERE to buy the best affordable health insurance plans 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.

Adventure sports have always been the best option for people who call themselves adrenaline junkies. They give you the thrill that knocks out your everyday life's monotony. There are different types of adventure sports, like river rafting, paragliding, bungee jumping, trekking, rock climbing, skydiving, and much more.

In this blog, we'll discuss parasailing, a sport that has created a special bond with adventure enthusiasts. Parasailing is an adventure sport that gives you the joy of sailing in the air while your parachute is towed by a motorboat or jeep. If you plan to enjoy this activity on your next beach vacation, consider this blog for an enjoyable experience.

1. The weather is an essential factor:
The parasailing conditions need to be suitable, and the timing of the day has an effect. Usually, a clear sky and a less windy time are preferred, so most people plan their parasailing trip in the mornings.

2. Get well acquainted with the equipment:
Knowing your parasailing equipment and its functionalities is a must. Even if you cannot understand the mechanics of the equipment in detail, you should be aware of the purpose of the essential tools which will keep you safe. The life jacket is provided to keep you safe if you need to land in water during emergencies.
The body harness helps keep you seated and is joined to the ends of the tow bar. The harness aids in eliminating your discomfort and helping you maintain a balance during sudden movement shifts. And the tow bar is attached to a parachute to help you glide smoothly and land without any significant danger.

3. Get complete information about the restrictions:
To restrict the risks to the bare minimum, the parasailing institutes set certain limitations regarding the prospective client's age, height, and weight for parasailing. These restrictions are also influenced by certain factors, such as the wind level. Still, you must check in with the guide who will help you to avoid any threats to your health and life.
The minimum age limit for the riders is usually around sixteen to eighteen years, and the minimum weight in case there are multiple riders is supposed to be about 150 pounds. But these limitations vary, so check this with your parasailing guide.

4. Your outfit:
Swimming-appropriate outfits help since they are snug and would help if you land in water or experience waves. But anything comfortable is a must, and the bottoms should fit you well so that you are focused on the experience and not distracted by the discomfort caused by your outfit. These experiences are not everyday things, so you better eliminate all sorts of discomfort, stress, and distractions to make the moment count.

5. Research the company:
Read the online reviews about your parasailing company/institute and check their ratings. You must go to the right agency with all security measures intact, trained professionals, quality equipment, and SOPs to take care of their riders. Always ask all the questions to clear your doubts before going in.

6. Carefully listen to the instructions:
Before they put the parasailing gear on, the guide will give you all the information you need, even though you are riding solo or with multiple riders. They will tell you the landing postures, which part of the equipment will help you ride low, high, turn, etc. Always ensure to clarify your doubts before you begin.

That was the complete guide for people trying parasailing for the first time. As we discussed, while adventure sports allow you to experience the unforgettable, they also involve a certain level of danger to your life. Therefore, browsing personal accident insurance plans as a mitigation strategy for unpredictable circumstances is essential. Choose the one that suits you best before planning your adventure trip.

Click HERE to learn how you and your friends can get personal accident 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.

With the temperature rising continuously, it is becoming harder to eliminate using air conditioners in our homes, offices, malls, and even our four-wheelers. Imagining life without ACs can be daunting to sustain the heat. Remember that one day when you got into your car, and you realised that the air conditioner was not working? It did feel like you would melt away. Winters are still a bit bearable, but travelling during summers and monsoons without the air conditioner in your vehicle can be an awful experience.

So, how can you predict your car's air conditioner is wrecked? Which part of the air conditioner would you need to change, and how would you know? Don't worry. This blog will discuss all the symptoms of an air conditioner repair.

But first, let's understand a little about your car's air conditioner's compressor:

The compressor is considered the central organ of the entire air conditioner system. Call it the AC's heart, if you will. It helps ensure that the refrigerant is flowing smoothly, which would provide the top performance of the air conditioner. Usually, an issue with the compressor results in low-effective cooling. And not just that, it can be quite dangerous if a compressor has some fault and there's a specific load on the air conditioner. We need to be aware of these signs that indicate the need to change the AC compressor.

1. Low cooling issues:
The first and the only sign you can quickly notice is the level of cooling. Having experienced a smooth performance from your four-wheeler's air conditioners on your trips to the market or work, you will be able to differentiate when the cooling is not that effective. This marks that the compressor cannot regulate the refrigerant flow smoothly, thus needing a replacement.

2. The annoying noise:
You might hear a loud, irritating and unusual noise whenever you switch on the air conditioner in your car. To address the issue, it is usually advised that you replace the entire cooling unit with a better and more compatible one for your car's manufacturing and other systems. Ensuring that your new unit is consistent with different electrical setups in your vehicle will help you avoid any damages that can endanger the car's safety, void the warranty of various systems, and violate the rules and regulations.

3. Clutch troubles can be experienced:
Faulty air conditioner compressors can cause issues with the clutch. It might seize or break, which ultimately indicates a power issue, and the compressor cannot access sufficient power from the engine.

4. Check the air vents:
Even if the compressors of the cooling unit of your car are faulty, you still need to ensure whether or not the air vents are clear for the air to flow without any obstructions. Clogged air vents can cause a disturbance in the smooth airflow from the air conditioner, thus lowering the levels of effective cooling inside the car. Clean the air vents and check again. If there is still an issue, the air conditioner's compressor must be checked thoroughly and replaced.

5. Fuse box examination:
Before deciding to go ahead and replace the compressor or the entire cooling unit, check the fuse box properly. While a faulty compressor is the cause of leaks in a refrigerant or low cooling, examining the fuse box leaves you with no second thoughts about changing the compressor.

Replacing the entire cooling unit and other repairing and servicing costs can be a substantial financial burden, even more so when you land in unfortunate circumstances that might cause severe damage to your car. Get a car insurance to avoid financial stress and ensure the longevity of your four-wheeler. You need the best car insurance which would serve your needs in the most efficient ways. Explore your options and do not delay buying reliable insurance to safeguard your asset against unfortunate events.

Click HERE to know more about the benefits of 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.

Learning a new skill and mastering it can be challenging and time taking. The same applies to car driving. Beginners first need to understand the various functionalities of a car. Then they take time to build and sharpen their road sense. Furthermore, they need to constantly practice to hone their driving skills.

However, driving on a single road can be a new game for many. Beginners will especially face challenges adjusting themselves to the single road. If you are a novice driver and wish to learn the tips to drive efficiently on a single-lane road, here's our guide to help you get started.

1. Acquaint yourself with the car:
The first thing any beginner should do is thoroughly acquaint himself with his car and its features. Cars have different gear patterns, and the responsiveness of the clutch and brakes also differ from one car to another.
Single roads usually have much heavier traffic than double-lane roads. A beginner should understand how his car responds with the press of the accelerator, brake, and clutch. Applying all three must happen in a rhythm. This understanding is essential to help beginners drive and maneuver their cars effectively through the traffic and potholes on single roads.

2. Traffic rules and road signals:
A beginner should familiarise himself with the prevalent traffic rules. This will help you save money by way of fines and penalties. You should also be familiar with the different signals and signboards put along the roads and indications used by other drivers. If speed breakers are approaching, you should lower your car's speed by seeing the board of "speed breakers ahead" on the roadsides.
Also, you should know that if a vehicle approaching you on a single road is flickering its headlights, it means that the driver wants to pass first. These factors will avoid unnecessary traffic jams, inconvenience, and the possibility of an accident.

3. Correct seating position:
You should adjust your driving seat according to your height and comfort. You should be in a comfortable position to easily access the car's pedals. Also, the seating position should help you maintain good posture so that you do not develop strains or backaches while driving through the busy single lane.

4. Slow speeds:
As a beginner, you should avoid driving fast or carelessly. Slow driving on a single road will ensure you fully control the car. Generally, the traffic in peak hours on a single lane is heavy, so drive with caution. Always Keep your eyes peeled to help you reach your destination safely.

5. Maintain safe distance:
Maintaining a safe distance from the car or vehicle in front while driving on a single road is essential. Due to the heavy traffic, vehicles brake suddenly on such roads. There will be no space to swerve and change lanes on a single road. Hence, the chances of an accident increase.

6. Take a double-lane road where possible:
As a beginner, you should always look for an alternative way to reach your destination by taking double-lane roads wherever possible, even if you have to cover a few extra kilometres.

7. Avoid driving at night:
Beginners should avoid taking a single road at night unless it is very necessary. This is so because the beam light of the car coming from the opposite direction often makes it difficult for beginners to see clearly. This problem is more severe on single roads as the space between cars is very less.

Summing up the entire discussion, we conclude that beginners should tread with extra caution while driving on single roads in India. People tend to drive as closely as possible to other vehicles in traffic, which can be troublesome for beginners. Fret not! Follow the above tips and be confident in your driving skills, practice traffic rules, and maintain lane discipline.

It is also essential for you to have valid car insurance as it is mandatory by law. Secondly, a good car insurance India plan will protect you against any possible damage while driving and compensate you for the repair and maintenance of your car.

Click HERE to buy a reliable car insurance India policy.

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

Cancer is one such illness that affects the patient and their family emotionally and mentally. According to recent studies, cancer rates are alarmingly increasing day by day. It can happen to anyone, irrespective of age, health, or lifestyle. Keeping these increasing numbers in mind, getting health insurance to manage expensive cancer treatment is ideal. Moreover, many insurance companies offer easy and quick health insurance policy renewals to avoid complications and get you financially protected.

Factors to consider when purchasing a cancer health insurance.

There are a lot of insurance plans in the market, which makes it confusing to find the right insurance company. It is important to purchase the right policy that matches your requirements to get the desired benefits in the event of a need. Understand that not just buying but timely cancer health insurance policy renewal is the best way to remain financially protected.

1. Type of policy:
Look for insurance policy features that specifically meet the needs of life-threatening diseases like cancer. You can also buy a cancer coverage add-on with your original health insurance policy or opt for the critical illness insurance policy that covers expensive medical charges.

2. Policy coverage:
Cancer treatments can jeopardize your lifelong savings. While some people can bear these expenses, some take out heavy loans to cover them. Thus, choosing a maximum sum assured and policy coverage is ideal. Also, look for an insurance provider that offers quick and hassle-free health insurance policy renewal.
During the critical cancer stage, you may be unable to work and provide income to the family. Therefore, ensure that your plan offers sufficient money to cover your lost income and medical expenses.

3. Waiting period:
Keep in mind that every health insurance plan comes with a waiting period. The waiting period for a particular disease can differ from one insurer to other. You may not be able to claim the medical expenses till your policy comes into force. Therefore, look for policies with shorter waiting periods or quick health insurance renewal to avoid increasing costs.

4. Prior medical history:
You may not know, but most insurers do not offer cancer coverage to those with a prior cancer history. Thus, if you have already survived cancer, your application has a chance of being rejected by the insurance company. Thus, disclose all health-related information with the insurance company when you buy a health insurance policy or consider health insurance policy renewal.

5. Insurance company:
Besides looking at the policy offerings and benefits, choosing the right insurance company is essential to ensuring a smooth purchase and claim settlement experience. It is recommended to check the insurance company's online reviews, customer support, claim settlement ratio, etc., and then choose the best policy.

6. Premium:
Another important factor to consider while purchasing cancer health insurance is the insurance premium. An insurance broker may offer maximum benefits, but if the insurance premium is out of your budget, all of these things do not matter. You must think twice before purchasing or considering health insurance policy renewal if the premium is out of budget.

While many want to avoid such dreadful illnesses, preparing yourself and your family for the worst is always a wise decision. Therefore, purchase or ensure regular health insurance policy renewal today to secure your tomorrow.

Click HERE for health insurance policy 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.

Imagine you're out with your car for some work, and suddenly another over-speeding vehicle rams into your car from behind. A scary situation, isn't it? Worrying about the damages is not a concern if you have the right protection. Car insurance is the immediate step you should buy to ensure that you are compensated fairly and stay financially stress-free.

When you begin choosing insurance from the options available, you always look for competitive premiums which are affordable and fully effective. Although you can get substantially low car insurance policies, you will not be able to enjoy all the benefits and features.

Let's have a detailed look at why you should not opt for the least-priced car insurance.

1. Unavailability of essential benefits:
The least-priced car insurance often strips you of the major benefits. Not all expensive insurance policies need to offer you all the benefits, but the least-priced ones offer you none. For instance, it may not even cover accident costs if someone else is driving the car at the time of an accident. Some insurance companies very cleverly offer you a low premium to attract you to their insurance policies. You must properly inspect your policy before determining the one you want to buy.

2. Impacts policy coverage:
The cost of the car insurance policy is directly proportional to the level of coverage it provides. If your insurance is cheap, the coverage will be lower too. There might be third-party insurance involved, which requires the protection against damages to the third party. You can be accountable for major crises in terms of losses or damages.

3. Lack of cashless claims:
If your insurance policy is cheap, you may not be able to enjoy cashless claims. This means that you will not be able to avail the facility of getting your car repaired in a garage that falls under your insurance. Under other circumstances, you will not be required to pay any money from your pocket. But with cheap car insurance, you are forced to pay for the damages before you apply for a claim.

4. Unsatisfactory customer service:
It is a known fact that the reputed insurance agencies ask you for a premium which is justified. This means that you will receive top-notch and priority treatment as a customer. You will be given the best support and care by the customer service of your designated insurance company. They will pay attention to all your complaints and resolve them on priority. In the case of cheap insurance, you will face unsatisfactory responses to your queries. Always keep that in mind.

5. Greater deductibles:
A deductible is a partial amount paid by the policy owner during the settlement of an insurance claim. With this feature in your car insurance policy, you need to pay a small deductible for your claim. However, for the least-priced car insurance, you need to pay a larger amount as deductibles. Only after the payment, you'll get the claim amount. This is how they loop you in for trouble. Always ensure that you read your documents carefully and ask all the right questions.

These points are enough to evaluate decently priced car insurance instead of a cheap one. Always make sure you explore all your options and purchase the best car insurance, which would cater to all your needs in the best way possible. By saving a few bucks today, you risk losing a lot of money tomorrow. Hence, choose wisely while getting car insurance to protect your car against hefty damages in unfortunate situations.

Click HERE to learn more about the benefits of car insurance and the process of determining the best option for you.

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 cold weather in the winter is a welcome change in most parts of the country that usually experience blazing heat. While Central and Southern India witness pleasant climates with a slight nip in the air, the upper Northern part experiences snowfall. However, getting safely on the roads in vehicles is challenging due to the intense fog and constant snowfall.

Many people avoid driving, especially motorcycles, in snowy terrains. However, it is possible to safely ride on snow with the proper gear, technique, and tips. While following these steps can better prepare you to handle the terrain and climate, taking precautionary methods is the first step you cannot skip at any cost.

Ensure that you have active bike insurance, or renew your bike insurance online to get the best quotes and compare policies from the comfort of your home. Now that we've set the base, here are some steps you must follow to guarantee a comfortable motorcycle ride in the snow.

1. Get your riding gear right:
Not having the essential requisites gear can invite discomfort and troubles for the rider. After taking the necessary steps to buy or renew your bike insurance online, check your riding equipment. While a helmet is all that is mandated in different climates, you need to be prepped for enduring the harsh cold.
Ensure that you wear adequate layers of well-fitted insulating barriers. The outermost layer should be water-resistant but breathable. Gloves and ridged boots are other necessities during the winter.

2. Prep your motorcycle:
A quick wipe-down may be sufficient in other conditions, but you need to snow-proof your vehicle. Switch to all-weather tyres to ensure better grip, and check your bike's mechanics before each ride. This will expose any issues beforehand and prevent accidents on slippery roads. Anti-fog visors are an example of winter-centric riding essentials that can help manoeuvre over the snow.

3. Stay seated at all times:
Bike stunts can be risky at all times, so it is best to avoid them in uncertain conditions like snow. Follow basic protocol and do not overload the bike to maintain proper balance, and be able to take charge of the situation if the motorcycle begins to slip and slide.

4. Focus on posture:
Relaxed posture is key to maintaining balance even in normal conditions, but even more in snow. Ensure that your shoulders are pushed back and loose while keeping your elbows steady instead of holding them at a 90-degree angle. This has a direct impact on the control over the bike.

5. Pay attention to the road ahead:
While this may seem obvious, it is challenging to take a call when all that's ahead of you is snow. If it is snow with evident traces of a road underneath, ride straight forward. The snow will compress underneath the tyre and fill the grooves.
If there are some tracks in the snow, it may be best to ride on the untrodden path instead of exploring new trails. If you encounter wide tyre tracks that have left the snow in a slush, riding on the slush may be your best bet, as your bike's tyres will touch the road, providing grip. However, if you see signs of ice underneath, steer clear.

While these tips can help you keep your bike upright in the snow and reduce the risk of accidents, it is best to seek shelter in case of heavy snowfall. Ensure that you drive slowly and make decisions ahead of time, as it takes longer to break in the snow. Don't forget to purchase or renew bike insurance online that covers any accidental damages to your bike due to the adverse impact of the snow.

Click HERE to invest in bike 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.

Ageing is an inevitable natural phenomenon. No matter how much you try, the effects of ageing are bound to catch up with you over time. A common symptom of ageing is loss of stamina. Tasks that used to be manageable begin to feel challenging. Although it is a regular sign of turning old, it is now being seen amongst youngsters as well. Despite the age gap, most people have low stamina levels and often get tired after doing relatively simple tasks.

In such situations, irrespective of your age, you must first buy a health insurance policy to cover any potential problems that might arise in the future. Nowadays, the process has become extremely simplified and can be done at home by running a quick search to buy health insurance online India.

Now that you have your health insurance covered, you can focus on taking preventive measures to stop your stamina from reducing further. The easiest way to do so is by following a regular exercise routine that focuses on cardio and eating a well-balanced diet. Here is a list of the best cardio exercises that can have your stamina up and leave you feeling energised when followed consistently.

1. Jump rope:
Also known as skipping rope, it is a quick exercise that doesn't need too much space or much equipment. To jump rope, all you need is a jump rope and some practice. We recommend wearing comfortable shoes while practising to prevent any injuries. The inexpensive cardio exercise is sure to get your heart rate up. You can also switch up things after a little bit of practice and go on to master double jumps, boxer jumps, and many more!

2. Brisk walk:
Surprised to see regular old walking on the list? Walking with more powerful strides than a stroll is known as brisk walking. It is easy to do and can be done at any time of the day and anywhere! Who says cardio has to be done on expensive equipment in fancy gyms?

3. Swimming:
Swimming is a form of low-impact cardio that is very enjoyable. You can take up the activity alone or with a group of friends to make it more fun. The variations in strokes allow you to stay engaged without repeatedly getting bored of the same thing.

4. Boxing:
If you enjoy more action-packed exercises involving competition, boxing may be the best fit. Studies show that boxing burns more calories than most cardio activities, making it a great addition to your day to increase your energy levels and stamina. Since it is a hands-on game that may result in injuries, you must be careful while practising it.

5. Cycling:
Since the Covid-19 pandemic, the sales of bicycles in India have grown multifold. Cycling is an excellent cardio exercise to go on a ride, and many cycling enthusiasts come together in groups and go cycling together to prevent any mishaps and support each other. If long-distance rides are not your thing, you can always stick to solo rides in nearby areas.

Why you must consider buying health insurance if you have low stamina?
Your lack of stamina may be due to poor diet, improper sleep, a hectic schedule, lifestyle choices, or an underlying medical condition. It is essential to buy health insurance online India for individuals of all ages. While you can take measures to build your stamina, a policy cover keeps you protected at all times, keeping you stress-free from any possible health accidents and associated bills.

Staying energetic every day requires discipline and sincere efforts. Our lifestyle has a major role in shaping the core of our body. Stamina is the fuel that we need to survive all the stress, and these simple and efficient cardio exercises are just what your body needs. If you can't change your lifestyle, then better change your mindset. Adapt to healthy practices and see the magic happen!

Click HERE to buy health 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.

Are you someone who is looking to buy a two wheeler soon? If yes, one of the important things you need to do is look for a trustworthy dealer. Purchasing a vehicle is always daunting as you have to pay close attention to the many aspects. A two wheeler is one of the best investments to make your life more comfortable and easier, and you must get the perfect deal from an auto dealer.

*Note
In addition to buying a two wheeler, it is also necessary to purchase two wheeler insurance. The best way to do this is to buy two wheeler insurance online and get exciting benefits that can protect your vehicle from all adversities.

So, as you have decided to purchase a new two wheeler, let's look at a few factors that can help you select the best auto dealer.

1. Type or category of the two wheeler:
While looking for a two wheeler dealer, you first need to focus on the type of vehicle. Since you can purchase either bikes or scooters nowadays, you should figure out whether the dealer sells those models of your choice. Scooters are more convenient to handle since they provide gearless riding experiences, automatic transmission, storage space benefits, etc.
Whereas bikes help you get better control, power, and handling. The bikes are more well-built for long and short distance rides, offering good fuel economy and a smooth riding experience. You should pay close attention to the dealer's collection, test-ride your favourite options, and then make a decision.

2. Budget:
The next important factor you must consider while selecting a two wheeler dealer is the budget. You should think beforehand about how much you are willing to spend on the vehicle. This aspect will also make it convenient for you to narrow down your options.
Two wheelers are available in different price ranges these days, and you should ensure the dealer has one that will fit your preferences. You should also consider your savings, tax costs, monthly expenses, etc., while buying a vehicle. In addition, you should have financial planning to buy two wheeler insurance online to help you in times of need.

3. New or Used:
The third important point you should pay close attention to while selecting a dealer is whether they keep new or used vehicles. If you are looking for a used bike, try your best to look for a dealer with an appropriate range of pre-owned vehicles and good ratings. Not just that, but you should also ensure the two wheelers they have are in good condition so that you may use them without any further hassle.

4. Look for customer reviews:
When looking for a two wheeler dealer, trust and customer service are paramount. You should always check the reviews and feedback of past customers before you make a decision.

Prepare a list of different dealers on the above parameters to make it convenient for you to figure out which one will best fit your requirements. It will also assist you in understanding who will be able to provide you with better facilities and options.

Although selecting one among various dealers may be challenging, you should do it thoroughly. Follow this checklist and look for a dealer that assures good after-sales service and reliable customer support. Do your research, compare different options, and then make a final decision. Don't rush into things, and most importantly, buy two wheeler insurance online to add a safety net to your newly bought vehicle.

Click HERE to buy two 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.

Commercial vehicles are used for transporting goods or carrying passengers, such as a truck or a bus. Their insurance policy is separate from the normal auto insurance policies we buy for private vehicles. Investing in commercial vehicle insurance is now hassle-free, with the exclusive option of buying online. This digital method of purchasing has brought a revolution for business owners to secure their commercial vehicles.

If you're a business owner unaware of the terms and conditions involved, here is a complete guide on buying commercial motor insurance online for business owners in India.

1. Convenient with many options:
An online commercial vehicle insurance policy is meant for business owners who are usually short on time. Buying commercial vehicle insurance online is very easy, offers many features, and will save a lot of your time. Unlike offline channels, buying such a policy online will help you check different companies' schemes. You can easily compare the terms and conditions, coverage provided, and premium amounts of different policies offered by various companies.

2. Cost-effective:
Online insurance channels are an open display of multiple commercial vehicle insurance schemes provided by several companies. Since there is complete transparency in what the policy offers along with the premium amount, the insurance companies quote their best rates to beat the competition. As a business owner, this will benefit you as you can buy the best policy at the most cost-effective rates.

3. Covers third-party damages:
A commercial vehicle such as a bus or a truck can cause serious damage to third parties if an accident occurs. The compensation amounts can be heavy, which can cause concern for any business owner. However, you need not be worried about the damage your commercial vehicle can cause to third parties when you are covered with a commercial motor insurance India plan. The insurance companies cover third-party damages caused by the commercial vehicle in case of a mishap.

4. Legal compliance:
Being a business owner, you will want to be 100% compliant with the applicable laws of the land to operate smoothly. Third-party commercial vehicle insurance is essential by law in India. Non-compliance will result in heavy fines. Existing customers can instantly renew their policies online without wasting time if the due date is approaching.

5. Financial assurance in case of an accident:
It is a rare possibility that you will yourself drive your commercial vehicle. Also, most business owners will have several such vehicles. They will be in the hands of paid drivers who handle your vehicle roughly and without proper care. This raises the chances of an accident immensely. Buying a good commercial motor insurance policy will ensure peace of your mind. In case any accident occurs, the insurance company will take care of the expenses. There will be no major financial burden on you.

6. Comprehensive commercial vehicle insurance coverage:
If you are looking for an insurance cover that will protect you against the majority of risks, go for a comprehensive commercial vehicle insurance coverage. Such online policies will protect you against damages caused to your vehicle by theft, riots, natural calamities such as floods and earthquakes, fire, terrorism, and the entire coverage that a third-party commercial vehicle insurance offer.

7. Exclusions in a commercial vehicle insurance policy:
As a business owner, you should know the damages your commercial vehicle insurance policy will not cover. Such policies exclude damages caused by electrical or mechanical breakdown, consequential losses, damages caused while driving under the influence of alcohol, driving without valid papers, damage while being involved in illegal activity, and intentional damages to the vehicle.

Commercial motor insurance India is extremely important because the owners rarely drive the vehicles themselves and depend upon drivers for their vehicles' safety and security. Also, the vehicles are heavy and big, making them more susceptible to accidents and damage. Business owners should do complete research about the available insurance options online first. They should then go for the best policy that provides complete coverage. This will give them peace of mind with no chances of incurring heavy monetary losses.

Click HERE to buy the best motor 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.

Even though we all know that eating fresh fruits is good for our health, are you aware of the magical benefits of drinking papaya water on an empty stomach in the morning? Papaya water has vitamins, helps digestion, eases menstrual pain, protects the kidneys, and reduces headaches and arthritis pain. It also helps fight cancer.

Regular consumption of papaya water can do wonders for your body. Let's understand the detailed benefits.

1. Positive effects of papaya water:
Now is the time to add papaya water to your daily diet to lose weight. The high fibre content facilitates smooth bowel movement, avoids constipation, and keeps you fuller for longer.

2. Immunity booster:
Boost your immunity with a glass of papaya water. It provides 200% of the recommended daily vitamin C intake, enhancing immunity and resistance to various infectious diseases. Develop a habit of drinking it every morning and give your body the day's immunity shot.

3. Eyesight improvement:
To get a clearer, brighter vision, eat papaya daily, whether raw or ripe. Papaya water is highly suggested for kids with eyesight problems because it is a powerhouse of vitamin A. Additionally, it prevents older persons' age-related macular degeneration from progressing as quickly.

4. Eases menstruation cramps:
Papaya is well-known for its characteristics in reducing menstrual pain. In addition to controlling menstrual flow, the fruit's papain enzyme instantly relieves discomfort for ladies with unbearable menstruation cramps.

5. Reduces stress:
According to studies, vitamin C deficiency significantly contributes to extreme stress and mood changes. Papaya water is a natural stress reliever that helps control mood swings and restore hormonal balance.
The antioxidants included in papaya water help fight free radical damage, a significant cause of cancer. Breast, colon, and prostate cancers can all be avoided by drinking papaya water regularly.
Dead skin cells are removed by vitamin A in papaya water, giving the skin an immediate moisture boost and a healthy glow. The potassium found in the fruit acts as a moisturiser and dullness remover. To notice results, spread a thin coating of papaya water mixed with honey on your skin and wash it off after 15 minutes.

6. Removes suntan:
Papaya has several enzymes that help treat sunburn and lighten skin. To fight microorganisms and get an instant glow, blend papaya water with a small amount of fresh lemon water and apply it to your skin. You will notice a sparkling effect of tan removal.

7. Works as a conditioner:
Thanks to its enzymes, papaya water naturally conditions the skin. To keep the keratin levels in the hair stable and the scalp free of dandruff, combine it with equal amounts of olive oil.

Though papaya may be consumed in various ways, drinking it as water is largely preferred since it tastes better. With the many vitamins, minerals, and antioxidants that papaya contains, it is a gift from mother nature that can have a surprising impact on your well-being. Include it in your diet daily to increase immunity and combat severe health conditions. However, papaya consumption is not recommended for pregnant ladies, as it can cause uterine contractions and abortion-related complications.

Along these lines, always buy health insurance online India to keep a protective cover on medical expenses during any emergency. The expense of medical care resulting from a disease, illness, or accident is covered by health insurance, making you feel stress-free and offering comprehensive protection to your loved ones. So, consider this most significant opportunity to protect the entire family and buy health insurance online India with a wide range of insured possibilities.

Click HERE to buy health 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.

As a car owner, you already know that a vehicle breaking down can be extremely frustrating. After all, they are machines! As a result, you should always try your best to stay prepared for the worst. And if you are in the middle of a highway, you may do a few things to ensure you are safe and protected.

Breakdowns in the middle of a highway can be challenging and cause nightmares. Let us take a closer look at a few steps to get the best benefits while minimising the trouble caused due to unexpected breakdowns.

1. Park your car on the side of the road:
The first thing you need to do when your car breaks down in the middle of a highway is to park your vehicle as soon as possible. It is necessary because it can cause traffic jams and invite accidents. Try your best not to panic and slowly pull the car aside.
Not just that, but you should also remember to turn on your hazard lights to notify the people behind you. This factor will also assist you in avoiding a traffic jam without any difficulty.

2. Call for help:
The second thing you need to do when your car breaks down in the middle of a busy highway is to call a mechanic or roadside assistance company for help. This will make it convenient for you since they send professionals to fix your vehicle or tow it to the nearest garage or service centre. If the issue is fixable, they will do it within a few minutes on the spot so that you are good to go and reach your destination safely.

3. Keep tools in your car and use them:
If you know how to check a dead battery or change a flat tyre, you will be able to fix minor problems without any external help. Always keep important tools in your car at all times. For example, if you get a flat tyre, having a jack and a spare tyre will help you to change it and get to your destination within a short period.

4. Alert the traffic:
If your car breaks down in the middle of a highway, it is crucial to constantly alert and divert traffic. Since the traffic will always be moving, immediately put a triangle with reflectors behind your car to caution other drivers about the breakdown.
In case you don't have reflectors in your car, you can find objects like bushes and stones to create a barricading around your car and use them as a signal to alert upcoming vehicles about your breakdown. This way, you can avoid the chances of accidents due to collisions.

Your car breaking down in the middle of the road can cause panic, but you should try your best to deal with it confidently and with swift actions. Stay calm and think about things thoroughly to acquire the best outcomes. Always take your car to the service centre and get it thoroughly inspected for any problems before you set on a trip.

Make a checklist of important factors to cross-check them before travelling. Get your car insurance renewal before the next premium is due and avoid the policy from lapsing. Services discontinued due to non-renewal can make you lose vital benefits in case of an emergency.

Click HERE to get your car insurance renewal done.

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 annoying to drive in wet weather when the temperatures are slightly lower and your helmet visor starts to fog up. This greatly reduces visibility, making accidents and mishaps more plausible. As accidents and deaths relating to driver negligence in these matters are on the rise, the fines levied on bikers have also been increased so that they are more mindful of it.

The question is, how do you prevent your helmet from fogging up? This blog aims to answer just that.

The science behind fogged helmet visors:
The air you breathe out is always considerably warmer than the air you breathe, that is, the atmospheric air. Especially in colder temperatures, the exhaled air is much warmer than the air outside.
This difference in temperature results in the visor having a very cold surface, which, when brought into contact with the warm air that you breathe, immediately has small water droplets on it. This is the reason behind your fogged helmets. Fogged helmets are a traffic violation, and you might have to pay hefty fines if caught.

Tips for prevention.

1. Balaclavas to the rescue:
A balaclava is a close-fitted piece of cloth, usually made of cotton or wool, which covers the whole head and neck, except the eyes. It is the most effective way to prevent helmet fogging in winter and keep the head and neck warmer.
However, it should be of utmost importance to ensure that the material is of good quality and has good breathability. This is because the cloth might sit on your face for long durations, so it shouldn't be an itchy material and should not hinder the driver's ability to ride the bike.

2. DIY water repellents:
Bringing expensive products to prevent fogging might be a good investment, but it feels even better if the job gets done for free. A few things in your pantry might help with this problem. Putting a thin layer of fabric repellent on your visor can prevent the condensation from staying at your visor.
Being a water repellent, it makes the water slide off the visor. The same can be done with a potato, but you should not rub it too much, or the visor might look milky and obstruct the driver's vision.

3. Give the visor breathing space:
Ventilation is the key to having a clean visor. Open any vents that are available to you. Also, keep the visor cracked open by just a bit, just enough that cool air from outside can come and reduce the difference in temperature between the two areas. You can do this by using a piece of tape.

4. Pin-lock inserts:
This is a costly but sure way to prevent any fog on helmets. It's an additional layer in front of normal helmet visors that stays considerably warm compared to the outer visor, thus eliminating any condensation. If your helmet doesn't support pin-lock technology, you can install a pin-lock into your helmet by drilling two holes into it and inserting it.

Maximum precautions should be taken to keep you, your loved ones, and others on the road safe. However, mishaps might happen. You won't want to drain your finances in the making up for the loss due to such uninvited events. What's the solution? Buy two wheeler insurance India to keep you insured and financially secure.

Click HERE to know more about two wheeler 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.

Buying your dream car is only half the job done. Maintaining it properly is complex and time-consuming, but it is all worth in the end. Do you know that routine car windshield maintenance is one of car care's most overlooked aspects?

Your windshield gets chipped by a foreign object hitting it, reducing visibility and threatening your safety. You take precious time out of your day to get it fixed for an exorbitant price, only to have it break again at the mildest inconvenience.

This blog tries to understand better why a windshield protection film is a good investment for your car.

What is a windshield protection film, and how does it work?

Windshield protection films are generally made of 3 layers. The topmost layer is a protective layer that safeguards your windshield against scratches and prevents UV rays from entering the car and harming you. The second layer prevents the windshield from cracking, effectively acting as a shock absorber that distributes the force of the debris hitting it. The third layer is mainly for adhesive purposes.

Some of the perks of having a windshield protection film on your car involve the following.

1. Replacing a windshield can be heavy on the pocket:
Despite how easily the glass breaks when something heavy falls on it, the cost of replacing the windshield is not cheap. Also, if you have a luxury car, the windscreen may be connected to other systems in the vehicle, which may need recalibration, adding to the extra expense.
Driving with a cracked windshield is punishable by law. Save yourself additional expenses and avoid being tangled up on the wrong side of the law by installing a windshield at the earliest.

2. Maintaining the car's aesthetic:
Car enthusiasts know how important it is to make your car beautiful inside out. Just like you keep your car's paint job pristine, the tyres filled, and the inside clean, investing in a windshield protector that keeps the front of your car looking smooth is necessary.

3. Keeps you safe:
A cracked windshield can hamper your visibility to a great extent. This might lead to an accident and long-term damage to your car, or worse, you and your family. Also, a windshield protection film will decrease the chances of shattering in lousy weather conditions, such as cyclones or hail. It gives overall protection to your car.

4. Protects against UV damage:
UV rays damage the skin and retinas and cause long-lasting health conditions such as skin cancer and blindness. These films have the added advantage of blocking UV rays so that they can't enter the car and thus, resulting in better health.

Now you know the advantages of having the right windshield protection film on your car. It is vital to make a wise decision that meets your short-term and long-term goals for your car. Select the best windshield protector by discussing it with a trusted mechanic in your area. Just like you plan to upgrade your car's windshield, you need to consider upgrading the car's safety too.

You can achieve this by buying reliable car insurance. Before making the purchase, understand the new car insurance rates of different companies and their policies, and then finalise the one with the best coverage and rate.

Click HERE to know more about new car insurance rates.

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.

Planning family vacations is a daunting task that requires lots of research, budgeting, and scheduling to ensure everyone's availability. While adults' travel options are virtually unlimited, a lot must be considered when you have kids in tow. The climate, accessibility, activities that engage kids, and safety provided by the destination are the usual criteria that parents look for while planning family vacations.

Regardless of the destinations you consider, you must pay attention to purchasing general insurance that covers accidents while travelling. Especially when travelling with kids, it is necessary to be prudent, for which we recommend checking general insurance online quote, which makes the process easier, comparable, and faster.

With the increased means of living and accessibility to foreign countries, there is an increase in outbound vacations. Of the myriad options available for outbound tourism, the European destinations are the most-liked of them. Europe offers charming sceneries, stunning architecture, bustling cities in contrast to the peaceful countryside, and local cuisines palatable to kids. Here is a list of ideal European destinations that make for the perfect family vacation.

1. Rome:
Italy experiences long summer months and short winters, giving tourists plenty of time to explore the country. May to September is the peak tourist season for visiting its beautiful beaches. We recommend visiting Italy between April to May when the weather is pleasant and not too hot. The Colosseum, Spanish steps, and Gladiator Lessons are some of the experiences your family will surely enjoy. The city's delectable gelato, pasta, collection of cheeses, and freshly baked items in bakeries should not be missed.

2. Paris:
Popularly known as the city of love, it is home to gorgeous monuments. However, the city accommodates kids and offers much more to keep them engaged. Jardin du Luxembourg, built by Napoleon, is a 23- hectare park offering activities like sailboating, pony rides, carousels, and marionette shows that will thrill your kids and make for a perfect day out coupled with a picnic.
The city also has several museums dedicated to art, culture, science, and architecture for indoor activities. A magical day at the Disneyland Resort will be the perfect end to your stay in Paris.

3. The Algarve, Portugal:
The Algarve is your best bet if you're looking for an adventurous vacation with plenty of bonding time. Visit its magnificent sandy beaches to lounge, marvel over the natural beauty of the Benagil cave, or participate in surfing, jet boating, or dolphin-watching boat tours. You can also enjoy off-roading, go-karting, and horse riding or visit Zoomarine, Slide, Splash, or Aquashow, some of the region's best water parks.
Considering the risky nature of activities despite the safety of the Algarve, it is essential to have general insurance for your family that covers any accidental mishaps that may occur. Ensure that your insurance covers travel accidents, or consider purchasing one by comparing the general insurance online quote offered by insurance companies.

4. Corfu, Greece:
The famous island offers adventure, expansive pristine coasts, multiple museums, and archeological sites, making it a perfect destination for a family vacation. If you are seeking to lounge and relax, the East coast resorts offer just that and a selection of the finest restaurants and fun activities within the resorts.
The western coast has shallow beaches and sea caves that are a must-visit for adventure seekers. Rent a car and drive around the island while exploring the ruins of castles, museums, and picturesque villages.

Europe offers several destinations that make for ideal family vacations. Valid documents and a passion for exploration are all you require to make the most of your next European family vacation! Get ready to make a plan this holiday season. Also, remember to look for general insurance online quote before you plan your trip.

Click HERE to get a general insurance online quote.

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.