GENERAL INSURANCE BLOG

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.