GENERAL INSURANCE BLOG

India is a diverse nation with many beautiful surroundings, sceneries, and landscapes. Due to this spellbinding canvas of experiences, it has a flourishing tourism industry to make every occasion come alive. People from far and wide visit India to witness its monuments, lakes, forts, palaces, mountains, valleys, and cultural bliss.

Many terms are going the rounds for Gen Zs and Millennials who have a zest for travelling in and around India. The words like backpacking and flashpacking are thrown around like confetti. But what exactly do they mean? More and more travellers are turning towards flashpacking with time. If you're also one of them, this article is for you.

Amidst all this, you must have personal accident insurance India to help you stay secure and safe when you travel to explore new destinations and discover rare experiences.

What is flashpacking?

Flashpacking is one of the most travel-related terms in fashion and making the news right now. You may be familiar with backpacking which deals with travelling to far and wide places on a budget. It is usually done solo to explore more areas of the country. Backpackers mostly stay at hostels and enjoy the local street food. Everything is done keeping a tight budget in mind.

On the other hand, flashpacking is described as backpacking on a better budget. It refers to solo or independent travellers with more money to spare on their travels. Unlike backpackers, this expenditure is spent on the best food chains and boutique hotels. They want to explore every nook and corner of the country with added luxury and comfort.

What are the pros of flashpacking in India?

There are a variety of advantages of flashpacking in India. Since you will not have a tight budget to adhere to, you can enjoy it to the fullest. Some of the widely known advantages are:

● You can stay at the best, most comfortable, and luxurious hotels that offer magnificent views. For instance, if you're in Udaipur, you can book a hotel overlooking Lake Pichola.

● You will get a peaceful sleep in your comfortable bed. You will not share a room or stay in the dormitory, which can disrupt your sleep and cause other distractions while you try to enjoy your solitude.

● Since you'll be exploring the best food joints in the place, you'll never sleep on an empty stomach. Further, the options are deemed to be delicious as there is no shortage of funds.

● You can also travel comfortably in cabs or motorbikes without having to hitchhike or wait for your next ride.

Tips to make flashpacking trips memorable:

There are many tips and tricks that you can consider while flashpacking as an independent tourist in India. These are:

● Make sure you research and plan before embarking on your flashpacking trip to India. You can consult a travel agent or company that has enough resources for the same.

● Book your flight or train tickets in advance to avoid problems later.

● Do not force too many places in a single day. With no budget limitation, you can prolong your trip as long as you want without any worries.

● Ensure that you have enough information about the entry time, fees, and mode of travel for a particular place you want to go to.

● Carry all the essentials like medications, sunscreen, masks, sanitiser, snacks, and so on.

● Book the best hotels with a view well in advance, so you do not have to worry about having a luxurious stay.

● Choose the best and most well-researched places to stay in the city.

You should consider many things before you plan a flashpacking trip in India. You should take all the necessary precautions and also have personal accident insurance India to cover the medical expenses in case of emergency. India welcomes several once-in-a-lifetime experiences and moments you can cherish by setting out on tours to the country's diverse retreats.

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.

Your bike is probably your favourite asset. Everything from grocery runs to those weekend trips; your bike is always at your beck and call. But what if someday, your bike breaks down in the middle of nowhere? What will you do? Your bike could break down for various reasons such as your battery dying, punctured tyre, malfunctioning brakes, etc.

A vehicle breakdown can be one of the most panic-inducing situations, and keeping your mind together to find a solution becomes challenging. Not only does it leave you stranded, but it also compromises your safety and makes you more susceptible to mugging and robbery.

Let's discuss a few things you need to do in case of a bike breakdown and how to avoid panic and confusion.

1. Move to a safe location:
Your vehicle generally gives you signs of breakdown way before it happens. Driving towards a safe spot is best if you feel like your bike might give up soon. Bus stops, supermarkets, and petrol pumps are some examples of safe spots that you can opt for. If your vehicle has already died out on you, you might have to push the vehicle further.
The main idea behind locating a safe location is to ensure your safety. You have to stay away from traffic to avoid a collision. You can also call your mechanic or service provider for immediate assistance once you are away from the road.

2. Secure the bike:
After reaching a safe spot, shut the engine off. If you can understand the issue, you can take the necessary action. However, if you don't know the problem, keeping a safe distance from your bike is best. However, stay close enough to have a clear view of the bike. Remember to keep your RC, driving licence, and all the other essential documents handy with you at all times.

3. Stay visible:
It is best to keep yourself visible to other pedestrians and commuters if a breakdown happens at night. Use blinkers or hazard lights. Whenever riding at night, it is best to wear high-visibility jackets. Use anything readily available around you, such as signs or cloth, to use as flags or signals for others.

4. Tools and repairs:
A repair kit comes extremely handy in case of a tyre puncture, dead battery, or failed brake system. Learn to use tools so that you can fix the basic issues that your bike might be facing. Fixing a tyre, jumpstarting a bike in case of a dead battery, etc., are skills that will be helpful in situations like these.

5. Invest in two-wheeler insurance:
The breakdown is one of the situations that help us understand the true value of insurance policies. Before embarking on trips, ensure to buy two wheeler insurance online India and regularly keep it up-to-date. Look for options that give you roadside assistance.
Under this cover, your insurance provider is bound to bring help to you wherever you are and help with the repair and movement of the vehicle from the site to the service centre. Getting roadside assistance strengthens your overall insurance policy and safeguards you against situations like these.

These were a list of all things you need to do if your bike breaks down in the middle of a road. As mentioned, it is imperative to keep yourself away from traffic and call for help as soon as possible. Talk to your insurance provider to understand the next steps that need to be taken and ensure the validity of your two wheeler insurance online India. With these things in mind, you can avoid panic and keep yourself and your bike safe.

Click HERE to buy 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.

Directors and officers of a company are vulnerable to being sued by several disgruntled entities, such as shareholders, employees, vendors, creditors, investors, etc., due to wrongful acts or misdeeds while managing the company. Directors and Officers (D & O) liability insurance protect against such lawsuits. The legal environment is complex, and such insurance helps to cover the high cost of lawsuits.

The policy protects the personal assets of the Directors and their spouses. It also protects the company by covering the legal fees, settlement costs, and any other costs that the company might incur while defending the lawsuit.

Reason for suing:

The directors and officers can be sued for several reasons while performing their company duties. Some of the common reasons are:
● Misuse of company assets and funds

● Misrepresentation

● Financial loss to a stakeholder due to a breach of fiduciary duty

● Errors in reporting

● Violation or theft of Intellectual Property Rights

● Lack of corporate governance

● Poaching of customers/ employees of the competitor

What acts are not covered under the policy?

Such policies generally do not cover acts of fraud, criminal activities, and illegal profits made by the directors and officers while performing their duty and acting on behalf of the company.

The process:

An unhappy person or company may decide to sue the director or officer of the company in court if they fail to perform their duty. This will generally happen when someone suffers losses due to their conduct or action.

The company's manager and legal/ risk department will be informed of the case, which they will forward to the insurer. The insurer will cover the claim if it meets all the terms and conditions of coverage. The defence costs, as well as the financial losses, will also be covered if they lose the case.

Exceptions:

The insurer will deny settling the claim if the company does not disclose material information or provides inaccurate facts.

Most of such policies contain a clause known as 'insured vs. insured exclusion'. Under this clause, the insurer will not settle a claim if the directors and officers sue the company. This ensures that the company cannot profit from deceit or conspiracy.

Coverage:

A Directors and Officers liability insurance policy protects the personal assets of the directors and officers in case a stakeholder or a third party sues them. Their company may not be in a position to indemnify them if the claim amount is big and it does not have the required resources. In such a situation, the insurer will pay the litigation costs and protect the personal assets of those involved.

The insurer will reimburse the company for the legal costs if it has already granted indemnification to its director or officer. Such a policy provides coverage to the company, too, in case it is sued.

These policies usually cover the company's present, past, and future directors, managers, and officers.

The dilemmas:

This is a typical type of insurance coverage and generally comes with a long list of terms and conditions. Hence, it brings with it a lot of questions and dilemmas for the buyer. The company has to decide how much should be on the cover, what deeds of its employees are included under the cover and what is excluded, whether it is a good option for a Small-to-medium sized company (SME), etc.

A Directors and Officers liability insurance policy has become very common with big multinationals in India. Every sector is opening up to such policies- public, private, or not-for-profit. This is why public liability insurance India is gaining importance. Policies are being tailored for small and medium enterprises as well because of their huge number in India.

The cost of litigation is very high, and one court case can cripple an organisation's financial resources. However, the penetration is still low at present, and a huge potential exists in this sector.

Click HERE to buy 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.

Have you ever wondered what an astounding invention your automobile is? How smoothly it moves across the roads and takes a U-turn with grace is truly mesmerising. Let’s unravel some interesting facts about cars that you might have heard or might be learning for the first time.

1. Do you know about 1 billion cars are plying on the roads currently? This number is only expected to double in the next 20 years, with the increasing usage of vehicles on the street. That means, if you get out of your house at any given point of the day, you are sure to spot at least 100 cars in 10 minutes hurtling down the roads going on with their busy days.

2. Have you seen those old cartoons where a car runs upside down at unbelievable speeds? Well, it’s not unbelievable anymore! This reality has been achieved by supercars and Formula 1 cars with modern technology. Theoretically, a formula 1 car could easily be driven upside down at high speeds.
While experimenting with this remarkable phenomenon, the critical calculation is the optimum speed required to produce enough traction with the road surface, so you don’t fall off due to gravity. You might have to maintain a speed of 130 miles per hour, or you could go right back down!

3. Most people have a fear of travelling by planes. The dire news flashes about the various plane crashes and the massive casualties do not help. But it’s shocking to note that the probability of getting killed in a plane crash is much lower than in a car accident. The odds of dying in a plane crash is 1 in 11 million, which is ludicrous compared to the 1 in 5000 in car crashes.

4. Do you sometimes imagine being an astronaut, going on the moon, and spacewalking to your heart’s desire? It is a far-fetched dream for most, but an interesting fact is that if you could ignore all the rules of physics for a month and drive a reasonable 100 km per hour, you would cover the distance to the moon in your sweet ride.

5. For those who have a hard time staying under the speed limit and crave a little thrill while driving, the first speeding ticket was issued in 1902 to a person driving at a scandalous speed of 70 km per hour.

6. A heartwarming fact for nature activists is that nearly 80 per cent of an average car is recyclable. This means that there is significantly less plastic waste generated by the automobile industry, as automotive recycling is one of the biggest industries in the world at the moment.

7. It seems ridiculous that people once used to have horse carriages instead of cars. What is even more interesting to note, however, is the fact that cars have evolved from horse carriages. For instance, a dashboard in the olden times would prevent the driver from getting muddy by the horse’s trotting!

8. Ethanol, used as car fuel, is made directly from sugarcane.

9. How often have you been frustrated about your car breaking down in the middle of the road? It seems almost understandable when you know that a car has nearly 30000 unique parts! It’s a miracle it doesn’t break down more often. So, it is undoubtedly best to research and buy car insurance online to stay stress-free about your vehicle.

10. A woman by the name of Mary Anderson invented the windshield wipers in 1902 and was soon granted a patent.

For many, the car is simply a means of commuting. But for car enthusiasts, their car means much more and is nothing less than a family member. But with the constant hustle and bustle of city life, it becomes tough to maintain your car as it’s supposed to. Regular servicing and maintenance are required to keep your car in the best shape.

Insurance is the best way to manage your finances efficiently, from ensuring the fitness of each mechanical part to the overall appeal of the car. Switch to digital transactions and buy car insurance online to avoid a hole in your wallet due to these expenses. You just need to regularly check your insurance policy and keep it up-to-date to prevent the policy from getting terminated.

Click HERE to buy car 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.

With a significant emphasis on laborious work that yields marginal returns, there is no alternative to physical effort. As the intense nature of work causes accidents routinely, and the risk of mishaps continues, making personal accident insurance India is a necessary investment.

One of our body’s most overlooked and fragile parts is the nose. It directly impacts the facial structure and looks of a person. It is a very delicate structure made of two bones that can snap for multiple reasons, resulting in a broken nose. Identifying a broken nose is crucial at the earliest to providing proper medical attention and effectively performing aftercare.
Read on to learn about identifying a fractured nose, precautions, and best aftercare tips!

Causes for a broken nose:
It is essential to know its formation to understand the causes of a fractured nose. The two bones in your nose are located at the bridge where your sunglasses rest. They make the base of the structure and space for cartilage. Technically, the cartilage cannot break since it is flexible, which implies that a broken nose refers to a fractured nose bridge.

A broken nose bridge can be a result of various factors, including but not limited to the following:

● Sport injuries

● Automobile accidents

● Physical violence

● Slamming the face into inflexible objects

● Falling face first

Signs of a nasal fracture:

The nose has a significant impact on the look of your face. Therefore, a broken nose is quite easily identifiable. However, here are some signs that determine if your nose is broken:

● Shooting pain from the nose

● Bruising at the nose and under the eyes

● Slight crookedness of the nose when compared to its regular structure

● Sudden nosebleeds and mucus discharge

● Difficulty in breathing from either or both nostrils

It is best to get your nose checked, even if you do not notice any visible signs.

Can it be treated at home?
It is recommended to rush to the hospital to address the injury immediately. Waiting for the bleeding or discomfort to stop further complicates the issue. Do not consider solving the problem at home. Seek a medical professional’s attention immediately. Usually, personal accident insurance India covers the medical costs of the injury.

Medical procedure:
Depending on the severity of the issue, you may have to undergo a CT scan or an X-ray. A hairline fracture can be treated using some ice and painkillers. You may require surgery to realign the bones and antibiotics for severe issues. At the most, it should take two to three weeks for your nose to heal.

Aftercare:
Once the medical professionals have assessed the situation and taken appropriate steps to stop the pain, bleeding, or discomfort, it is vital to follow proper steps to make the treatment effective and heal your nose.

● Icing is recommended to soothe the pain, especially immediately after the injury. A cold compress using ice wrapped up in cloth is the easiest way to tend to the pain.

● If prescribed, make use of painkillers. However, do not act without the doctor’s approval and ask for medicines instead of self-diagnosing painkillers.

● Keep your head tilted up as much as possible. Avoid pressure on the nose caused by sleeping sideways or on your stomach.

● Avoid strenuous activities that can break your nose again until your nose heals.

A broken nose can be a painful accident to deal with. While there are no ways to prevent accidents, buying personal accident insurance India can help reduce the burden on you. Avoid distractions while doing a task that requires more focus. Be cautious always and prioritise your safety.

Click HERE to purchase reliable 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.

Your insurance for a two-wheeler is an essential document without which you should not risk travelling. The Motor Vehicle Act mandates the importance of carrying your insurance papers. These documents provide information about the rider, including your two-wheeler's registration number and your purchased insurance policy.

The policy documents contain all the essential information required to identify your vehicle, its legality status, the rider's identity, the dealership, your insurance provider, and much more. This information portrays the rider as a responsible citizen who would abide by the safety protocols on the road and, therefore, can be entrusted to drive around without causing any trouble.

There is always a possibility for human error. In this case, what if you end up losing your insurance policy documents? So, how do you solve this problem, and how can you obtain a duplicate 2 wheeler insurance if you lost your original? This blog will answer all your questions and provide you with better information so that you can stay informed and know what to do in case you end up in a similar situation.

1. Lodge a complaint:
For a policy which is bought offline, your first step in obtaining a duplicate two-wheeler insurance will be to file a complaint. Visit your nearest police station and ask them to file an FIR about your missing insurance documents.
You will need to give them essential information like your policy number, your insurance provider, description of the vehicle, the type of policy, details about add-on coverage options if you opted for any, and your personal information like name, job role, contact number, etc. This document will then be verified and attested saying that you lost your insurance and will be sent to your insurance provider claiming the same.

2. Apply for the duplicate insurance documents:
Now that you have a copy of the registered FIR supporting the loss of your insurance documents, you need to apply for a duplicate copy of your 2 wheeler insurance. You will be required to draft an application letter claiming your missing insurance documents and how you would like to request a duplicate set of the documents for future purposes.
Make sure you attach the FIR and your application to support your case. If your insurance policy is a joint one, both policyholders must sign the letter, which will be submitted to your insurance company.

3. For the formal request:
You must sign an indemnity bond stating that you would like to make a formal request to get a duplicate set of your insurance documents. The indemnity bond is to be signed on a non-judicial stamp paper.
Details like your name, the joint policyholder's name (in case of a joint policy), policy number, etc., are mentioned on the indemnity bond. Apart from this process, the bond requires signatures from two witnesses who should not be a part of your family. The insurance company might ask you for proof of your financial standing.

4. Newspaper advertisement:
Another step you can include (if required) in this process is publishing an advertisement in the newspapers mentioning the loss of your documents, the insurance provider's name, and other required details for identification. Make sure to submit the copy of advertisement to your insurance company. Submit all the supporting documents mentioned above, and the organisation will give you a duplicate set of your insurance documents after their verification process.

Obtain your car insurance copy online:
As against the tedious offline method, you can also get your duplicate car insurance policy online by sitting at home. This is possible only if the policy is bought online. To get this;
• Visit the website of your car insurance provider
• Login to your account by putting your account details, policy number, name, age, phone number, etc.
• Go to the policy download option
• You will receive the policy document through email to your registered email address
• Download the car insurance policy document and keep the digital or printed copy along with your other car documents.

Protecting your vehicles with a reliable insurance policy is paramount for their safety. Mishaps can sometimes severely impact your two-wheeler. Getting the best 2 wheeler insurance that suits your needs will help you stay stress-free regarding your financial worries in such emergencies. Your insurance provider will undertake the expenses required for your two-wheeler's repair and maintenance work.

Click HERE to know more about the benefits of 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.

Drivers and front-seat passengers must wear a seatbelt when the vehicle is running according to the Central Motor Vehicles Rules (CMVR). Not complying with this rule can lead to a fine of 1000 INR. Surpassing the fine should not be the motive for wearing a seatbelt. Other than the fine, it can be a big life saviour in times of an accident. There is also a rule that the passengers in the rear seat should wear a seatbelt. But, as per the reports, most passengers avoid wearing a seatbelt in a running car.

It is crucial to understand that it just takes a few seconds to buckle the seat belt, which can protect you and your passengers from severe bodily damage in case of an accident. Also, as per a poll, wearing a seatbelt by a co-passenger had shown a reduced risk of being heavily injured or killed by 25% and 75%, respectively. Not just this, did you know that your motor insurance company can reject your claim if it finds that you weren’t wearing a seat belt at the time of the accident?

Let us go through the details of the coverage of damages under motor insurance policies to passengers not wearing seatbelt.

1. Not wearing a seatbelt:
Technically speaking, if you are driving without wearing a seatbelt and you meet with an accident, the insurance company should not be liable to pay for any damages. One can argue that the person could have been saved or suffered much lesser damages during the accident if he had been wearing the seatbelt.

2. Lower compensation:
The main motive of all insurance companies is to make profits. Hence, if they find out that either the front-seat passenger or even the rear-seat passenger was not wearing a seatbelt, they may approach insurance tribunals and file a contributory negligence plea against the insured to lower the compensation or reject it fully.
The courts or the tribunal can lower the compensation claim to some extent. The claim is not rejected just because the insured was not wearing a seatbelt during the mishap. However, lowering the claims is possible since it is a form of non-compliance.

3. Personal accident cover:
Under the motor vehicle act, an individual must take a personal accident cover along with vehicle insurance. It also applies to third-party insurance. Even if the passenger is not wearing a seatbelt, the personal accident cover will pay for the compensation in case of death, injury, or permanent disability due to the accident.
By buying a passenger add-on cover, you can buy similar coverage for up to three co-passengers sitting in your car. This will cost you some extra premium but will provide effective cover to all the passengers in the vehicle.

Driving your vehicle without wearing the seatbelt puts a lot of lives in danger, be it you, your co-passengers, or the vehicle or person with which you have met with the accident. Passengers in the front seat and the rear seat must follow the rule of wearing seatbelts and save penalties and lives.

This is why even the Government of India has announced that it will soon be mandatory for passengers sitting in the back seat to wear the seatbelt when the vehicle is in motion. Even the motor insurance company cannot reduce your insurance claims if you start following this.

There are no shortcuts to safety, and negligence can cost you not just money but even life! Press the accelerator only when your seatbelts are on, drive under the speed limit, follow traffic rules, avoid lane cutting, and make optimum use of all safety equipment installed in your car.

Click HERE to buy insurance from the best motor insurance company.

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

Mastering the clutch can be challenging for somebody who has just started learning to drive a car. When to press the clutch, when to let go, and what to do on a slope are only some of the many clutch-related questions we face every day as a beginner. But as somebody rightfully said, practice makes it perfect.

The more you practice, the better you handle the accelerator and learn to sync with the vehicle's clutch. However, you can do a few things to improve your driving experience and better understand your car's clutch system.

This article will look at all the simple tips and tricks you can follow to master the clutch and become an expert driver in no time.

1. Adjust your driving environment:
When practising your driving skills, it is essential to ensure the safety of yourself and others. Choose an empty field or road to practice your driving manoeuvres. Ensure that nobody is around you and your car for a considerable distance.
Wear your seat belt tightly and adjust your seat to get a comfortable driving posture. Your seat adjustment is key to good driving. If you have to strain your legs to reach the pedals or if you have to cramp your legs into position, then it will affect your driving adversely.

2. When you start the engine:
One of the main issues faced by new learners is starting the car. It is natural for the car to sputter or jerk when starting as a beginner. Talk to an instructor and learn how to manoeuvre the clutch and the accelerator. Once you turn on the ignition, depress the clutch fully and put your car in the first gear.
Now, slowly release the clutch and accelerate the pedals. A rule of thumb is that the accelerator and clutch are complimentary pedals. The more stress you put on the clutch, the lesser power you give to the accelerator. Repeat this step for few times to get a command over bite point of clutch.

3. Manoeuvring the slopes and hills:
One of the new drivers' biggest fears is taking the car up a hill. While it might seem like an intimidating task, with practice, you can master conquering any hill. While climbing a steep slope ridden with traffic, you must keep two things in mind. First, your car needs maximum energy to climb the hill.
Second, you cannot accelerate the car because you always risk crashing into another vehicle. In a situation like this, you must constantly alternate between controlling the clutch and handling the speed. Dip the clutch constantly to keep the car moving slowly, but if you feel like your vehicle is going to stop and recede, raise the pedal to give it some speed.

4. Conquer the fear:
While this is seemingly obvious, most people quit driving because of fear. Improper clutch handling brings the fear of accidents due to wrong coordination. It may also result in quicker wear and tear and might need replacement before time. But if you are covered by good car insurance, you can rest assured that all the expenses will be taken care of by your insurance provider.
Give yourself and your car as much time as needed to understand the vehicle's functionalities better. Most importantly, do not compare your learning speed with others because what matters is that you are keeping yourself and others on the road safe.

These are a list of a few things that you need to remember when handling clutch. As mentioned above, insure cars with affordable yet efficient insurance companies. With the new car insurance rates in the market, there are many options to choose from.

Click HERE to know new car insurance rates 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.

Sometimes you suffer a severe headache and feel like someone is whacking you in the head with a hammer. You, therefore, take a few painkiller medicines, and the pain quickly passes! That is the magic of pain relievers. They alleviate the discomfort so you can get on with your day.

Painkillers do come with a fair share of hazards and can have detrimental consequences on your body, especially when taken frequently. This post will review how painkillers go through the potential long-term impacts they may have on the body.

Effects of chronic painkiller abuse on the body:

You inhibit your body from naturally reducing pain when you use a painkiller medicine longer or more frequently than is recommended. By tricking your brain into believing it needs the painkiller to feel good, these medications cause your body to produce fewer "feel good" chemicals and endorphins.

The central nervous system suffers significantly from this frequent use of analgesics. As we've already said, some painkillers slow down the central nervous system to help block pain. However, too much of them can make it hard to breathe, slow down your body's reactions, and make you slur your words.

Painkillers have effects beyond how they affect your body's natural pain-relieving systems and central nervous system. Abuse and dependence on painkillers can have repercussions throughout your entire body, such as

1. Your liver:
Your liver processes and breaks down the medications you consume. When you misuse painkillers, your liver retains the poisons from these drugs, which can cause severe and fatal liver damage.

2. Your heart:
To experience painkiller effects right away, some people crush or inject the drugs directly into their bodies. But doing so results in the medicine going straight into the bloodstream, which impacts the heart. Abusing painkillers over a long period can result in major cardiovascular problems and risks of heart attacks.

3. Your stomach:
Even after taking painkillers for a day or two, stomach and intestinal problems can still develop. Abuse of painkillers can cause haemorrhoids, intestinal blockages, bloating, abdominal distention, and constipation.

4. Your veins:
Injecting painkillers for an extended period is fatal, especially if the needles are shared or not sanitised. Blood-borne infections, illnesses, and blocked veins can result from injecting painkillers drugs.

Once a person becomes dependent on a painkiller, there is no way to stop without going through withdrawal. Even though withdrawal symptoms don't last forever, they can include nausea, vomiting, trouble sleeping, aches and pains, irritability, and anxiety. If you or a loved one is suffering from a painkiller addiction, seeking immediate treatment is crucial because it's typical for people to overdose when attempting to relieve withdrawal symptoms.

How can you take painkillers more effectively?

• Before taking any painkillers, if possible, speak with a doctor

• Avoid taking painkillers for more than a few days straight

• To limit the risk of problems and side effects, start a new drug at the lowest dose possible

• Take the drug only as prescribed, never more. You can visit a doctor for the maximum dose or look it up in the drug information booklet

• Avoid giving others access to your painkillers

• Consult your doctor rather than taking more painkillers if the pain persists or gets worse after taking them

Most over-the-counter medicines are safe for treating mild to moderate pain. But these can also have negative side effects, some of which could be fatal, just like any medication. People who often use painkillers should speak with their doctor to ensure proper treatment and avoid any negative consequences.

With rising healthcare costs, access to high-quality medical care may become prohibitively expensive. Every citizen must sign up for a good health insurance plan in case they or someone they love gets a disease that could be financially devastating. Each insurance plan has a policy duration, and you can buy health insurance online. So, depending on the insurance company, your plan is valid for a particular period.

Click HERE to buy health 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.

With stressful routines making their way into personal and professional lives, more and more people are turning towards a healthy and happy lifestyle. The first step towards a healthier lifestyle begins with a small step today. Exercising along with healthy eating habits contributes towards a better tomorrow. It helps rejuvenate the mind, body, and soul and improves well-being.

With the changing environmental factors, it is essential to maintain good immunity and metabolism. Many physical activities help stimulate the body's response. These activities include jogging, running, swimming, and so on.

Swimming is one of the best fitness regimes to help you stay in the best shape and enhance your stamina. Before taking up any physical activity or sport, ensure that you grasp thorough knowledge about that particular activity. Understand the do's and don'ts and ensure that you follow all safety measures. Consider personal accident insurance online to get coverage for medical expenses if you meet with an unfortunate incident.

Let's look at the health benefits of choosing swimming as your hobby.

What are the health benefits of swimming?

Swimming has a myriad of health benefits that contribute to the effective functioning of the body. The health benefits can be classified as follows:

1. It cuts the risk of cardiovascular diseases:
It is a proven fact that swimming can contribute to heart’s health. It helps in the proper functioning of your heart muscles and reduces the risk of developing cardiovascular diseases.

2. It is good for bones:
Bone density is important in keeping your body fit from the core. Swimming can reduce the risk of developing arthritis by strengthening joints and providing the best nourishment to the bones.

3. It burns calories:
Swimming is extremely effective in burning calories as it involves rapid and continuous motion of different muscles and the coordination of several body functions simultaneously. It enhances the flexibility of the body as well.

4. It develops a healthy respiratory system:
Swimming involves a lot of breathing: both deep and normal breathing. Deep breathing enhances the respiratory system, and the lungs are trained to draw more air and increase the blood oxygen level.

5. It is therapeutic:
Swimming is a good stress buster that helps deal with anxiety and uplifts your mood. It is an effective tool for coping with depression and anxiety.

6. It stimulates blood circulation: It is supposed to be one of the effective tools to boost blood circulation in the body. It is a great way to work out without sweating.

7. It makes you feel younger:
Swimming helps your mind and body stay energetic. It also contributes to making your body look young and agile. It is believed that swimming can delay your ageing process.

8. It is great for asthma:
Quick swimming lessons can help people with asthma as the intensive regulation of breathing can increase the endurance capacity of the lungs.

9. It provides a full-body workout:
Swimming is one of the many exercises that involve your whole body. It helps in the movement of all the muscles and stimulates them evenly. Every swimming style stimulates a different muscle. So, daily a 45 mins session can be equivalent to a full-body workout.

Swimming is one of the most effective and easier ways to stay physically active. Once you start, there is no going back. You feel more relaxed when you swim. There are many ways to develop your swimming habit. You can join a community pool or enrol in a swimming camp. For kids, it is extremely easy to find a school or institute that teaches swimming.

Amidst all this, it is necessary to keep yourself secure at all times. Hence, purchase personal accident insurance online to provide financial cover to compensate for the loss in case of accidents while swimming.

Click HERE to buy personal accident 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 racing fantasies you and if you consider yourself a biking enthusiast, we’ve got you. We all have been fascinated by high-speed car and bike chases and races in our lives. Be it watching Formula One racing or watching movies about speed, they blow our minds with all the stunts, the cinematography, the angles, the acting, sound effects, visuals, and most importantly, “the adrenaline rush” these sequences provide us.

But does India support such racing events? Are there any such riding competitions held in our country? Do you have such questions and require more information on this subject? Well, this blog will have answers which will pique your interest in this topic. Here is the list of the top race tracks for biking enthusiasts.

1. Buddh International Circuit:
Constructed in Greater Noida, Buddh International Circuit made it to the national and international headlines as India’s official Formula One circuit. India is one of the few countries with a racetrack for large-scale international events. The Buddh International Circuit also hosted the Indian Grand Prix for a couple of years, making India one of the few countries to pull it off.
And not just Formula One, this circuit has hosted several competitions such as the National Racing Series, the F1600, the T1 Truck Racing Series, and the National Motorcycle one-make series, to name a few.

2. Madras Motor Racetrack:
This racing track is situated in Irungattukottai, Chennai, India’s first official circuit. It was constructed around the 1980s and was finally set in motion for its purpose in 1990. It has seven turns in its short club track, while the track consists of twelve turns altogether. The short club track has a length of 2.1 km, and the entire circuit is designed in a clockwise pattern.
The racetrack acquired its grade two licence to host multiple bike and car races in several categories, including GT and touring car racing. It staged several other races except for Formula One. The Madras Motor Race Track has also hosted National Touring Cars, the National Motorcycle, and the one-make Motorcycle Championship, to name a few other races. The racetrack is considered to be fit for off-road Supercross competitions too.
The other purpose this racetrack serves is for bike, and car manufacturers, as several of them test their vehicles on this track to check the quality and other features and whether their product requires rework or is fit to be rolled out to the public.
Various automobile-related newspapers, magazines, and websites use these tracks to understand different vehicles better before publishing content about them for their enthusiastic audiences.

3. Kari Motor Speedway:
The racetrack called Kari Motor Speedway is located in Coimbatore, Tamil Nadu. This track was opened in 2013 and has been named after racer and designer Late Mr. Sundaram Karivardhan.
In the past, this track acted as a runway for power gliders and was a part of the Karivardhan-owned aviation company. The Kari Motor Speedway has hosted events like National Touring cars, one-make series, and the National Motorcycle Championship, to name a few.

Some other race tracks in India are Chicane Circuit, Hyderabad, Meco Kartopia in Bangalore, etc., which host various karting competitions.

We hope this helped you gain insights into how our country promotes such racing events and has avenues for the same. And in hindsight, while we cater to the biking fanatic in you, we would also like to draw your attention to the safety of your vehicle. To combat the unexpected situations and focus on getting your two-wheeler fixed, you need to purchase 2 wheeler insurance. Explore all the options provided by various insurance companies and buy the best 2 wheeler insurance which would serve your needs optimally.

Click HERE to know more about the benefits of 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.

The emphasis on health and preventive care has skyrocketed post-pandemic. People of different ages leading varied lifestyles have stepped up and are paying attention to their exercise, sleep, and diet to stay healthy. However, these measures are difficult to continue for undisciplined people or those with extremely hectic schedules.

For such people, it is best to adopt small measures that aid in the long run and only require spending less time on fulfilment. Such measures, supplemented with purchasing the best health insurance in India, are plenty to keep oneself stress-free about their health without stressing too much.

With India being the land of Ayurveda, what better way to enhance your health than following small health tips daily? One of the most strongly recommended activities is drinking water stored in copper vessels. Why? What are its potential benefits?

Read on to find a comprehensive list of benefits of drinking water in a copper vessel.

1. Promotes hydration:
Hydration is an essential part of a healthy lifestyle. Negligence can lead to severe complications in the long run. To drink water from a copper vessel, one must consciously store water overnight to gain its most benefits. This way, you can ensure that you are keeping track of your water intake and preventing future medical complications.

2. Prevents copper deficiency:
Copper is a mineral required by our body to function at its optimum capacity. Naturally, humans can only produce up to 1.4 to 2.1 mg of copper per kilogram of body weight. It is essential in red blood cell production, maintaining nerve cell health, and boosting the immune system.
Water stored in copper vessels carries the properties of the mineral, thereby preventing its deficiency. However, excess copper exposure may lead to poisoning and other illnesses. So be mindful of the intake.

3. Aids in battling cancer:
While it alone cannot ward off or eliminate cancer, it aids in eradicating cancer by acting as an antioxidant. It fights cancer-causing free radicals and even helps produce melanin, which protects the skin from harmful UV rays.

4. Improves thyroid functioning:
Water from copper vessels possesses the quality of balancing the improper functioning of the thyroid gland. If you suffer from copper deficiency, you may be suggested this as a measure to improve your thyroid gland's functioning. This can directly impact your metabolism and growth.

5. Helps with inflamed joints:
The copper produced in the body is stored mainly in the skeletal structure. If you suffer from weak or inflamed joints or arthritis, consider drinking copper-infused water to strengthen your skeletal system.

6. Antimicrobial properties:
Copper has significant antimicrobial properties, which can help prevent diseases by eliminating bacteria, viruses, or fungi that may have entered your body and compromised your immunity.
Since it has natural preventive benefits, it is highly recommended for seniors with weaker immune systems and joint pains. You must also look for the best health insurance in India for your aged parents and immediate family to protect them with a reliable safety net.

With many more benefits, it is highly recommended that people with copper deficiencies drink water from copper vessels. They make for better, cold, and sweet-tasting water, which is much better than water from packed bottles. Try such non-invasive, easy-to-follow tips that Ayurveda suggests, along with the best health insurance in India. Your honest efforts will help you reap the desired results in achieving a healthy lifestyle.

Click HERE to buy 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.

Ever felt discomfort in your gut followed by a burning sensation in your chest? This could be because of acidity. Very often, people neglect the symptoms of acidity and gulp down antacids for instant relief. But, what is essential to know is that acidity can lead to severe health issues. If you wonder how acidity has more significant health implications, this article is just for you. We will examine acidity, its symptoms, cure, and other side effects.

What is acidity?
The entrance of your stomach valve, or the lower esophagus, closes itself as soon as food passes through it. However, if, due to some reason, the valve remains open, the stomach acids can move up and cause a burning sensation or discomfort. This phenomenon is known as acidity.

What is acid reflux?
If you experience symptoms of acidity frequently or more than twice a week, then chances are that you might suffer from a gastric condition known as acid reflux. Burning pains and discomfort after eating a meal are symptoms of acid reflux.

Let's understand the common causes of acid reflux?
1. Eating heavy portions of food
2. Sleeping after consuming food
3. Overweight or obesity
4. Eating foods such as tomato, garlic, and onion in abundance
5. Eating too much spicy food
6. Eating fried food regularly
7. Habitual drinking of alcohol, caffeine, etc.
8. Smoking
9. Side effects of certain medications

What are the symptoms of acid reflux?
1. Heartburn: A burning sensation moving up your chest via the stomach
2. Regurgitation: Bitterness or foul taste in the mouth
3. Bloating
4. Blood in stool
5. Hiccups
6. Nausea

What are the long-term implications of acid reflux?

1. Esophageal stricture:
The tightening or narrowing of the esophagus is known as an esophageal stricture. Since the esophagus has restricted space, it becomes difficult for the food to pass down the esophageal tube.
These situations can aggravate quickly and result in cancerous and non-cancerous growths. People suffering from esophageal stricture experience severe pain in their throats and face difficulty when swallowing food.

2. Esophageal ulcer:
During acid reflux, the acids in the stomach traverse upward through the esophagus. The constant contact of the acid can burn the stomach's inner lining. It wears away the tissues and forms a sore. This can cause bleeding and pain while swallowing food or other drinks. People experiencing this are advised to have fibre-rich foods such as oats, legumes, nuts, fruits, etc.

3. Barrett's esophagus:
The swallowing tube connecting the mouth and the stomach experiences damage due to acid reflux and causes the lining to become red and thick. Barrett's esophagus increases the risk of esophageal cancer, which can sometimes be fatal.
Patients experience chest pain and irritation under these circumstances. There are chances of vomiting blood or passing bloody stool. Weight loss is another common side effect of Barrett's esophagus.

These are some of the bigger complications of acid reflux. Healthy eating and proper exercise are critical to a healthy future. Acid reflux is more commonly found among elders. This is because, as you grow older, your muscles become weaker. This puts the elderly members of your family at greater risk of acid reflux. A few ways to ensure a lower risk of acid reflux are by opting for healthier diets and eating habits, regular exercise, quitting smoking, and drinking.

If the problem persists, you should talk to your doctor and get an expert opinion. Medications can heal acid reflux to some extent. Ensure to go through regular health checkups to avoid problems in the future. Do not forget to invest in health insurance in India for parents to safeguard their health during the tough time of their age.

Click HERE to find out more about health insurance in India for parents.

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 feel dizzy while driving where the roads are primarily like pins, you are not the only one. Many car drivers feel the sensation of wooziness and motion sickness during a long journey, and it can be a nightmare.

What if you end up crashing your car due to dizziness? This thought might have crossed your mind. It is natural to feel uneasy while driving, especially for long hours. Due to continuous motion, your brain might feel fatigued, and as a result, you may get distracted. These distractions can be fatal for you and your car.

Even if you buy car insurance online that will cover your damage, what about the injuries you will face? In this post, we'll give you some advice on reducing the effects of motion sickness while driving.

1. Keep an eye on your diet:
Be careful about what you eat before you drive because your food can greatly impact motion sickness. Avoid eating anything that makes you feel full. Eat light an hour before because you won't feel heavy while driving. The problem might worsen if you eat spicy foods. Therefore, be sure to eat small meals, and it's best to avoid any items that don't suit your taste. A proper food regimen can significantly reduce symptoms of motion sickness.

2. Check your driving position:
Sit comfortably and keep your eyes on the horizon while you are driving. By doing this, you divert your attention from moving items. Even though you need to be aware of your surroundings, try to avoid looking sideways while driving. It is because sudden and severe nausea might occasionally result from looking sideways. If you can, keep the windows open when operating a four-wheeler since a steady stream of fresh air can help with motion sickness.

3. Check the ventilation and cooling:
Many people avoid AC and prefer natural air. If your car's cooling system isn't sound, it can create driving problems. It could end up being one reason for dizziness or motion sickness. Similarly, poor ventilation in cars is another frequent cause of motion sickness while driving. It may result in some odors being trapped, which may make you nauseous.
It is therefore advised to keep your car well-ventilated by slightly lowering the windowpanes. A calming scent in your vehicle, like mint or lavender, is also a good idea because it can help boost your mood and prevent motion sickness symptoms.

4. Enjoy breaks:
Driving for long stretches can also cause motion sickness. So, if you are on a long-distance trip, it is a good idea to stop frequently. When you reach a restaurant or rest area, stop your car for a short while, get out, and stretch your legs. Taking regular breaks helps a lot with motion sickness symptoms. Also, if you feel sick while driving, stop immediately, splash some water on your face, and don't get back behind the wheel until the sickness is gone.

5. Drink tea:
If you are a tea lover, have it when taking a journey break. Tea can treat motion sickness by calming and relaxing the muscles in your stomach and can lower the amount of acid in your stomach.

6. Carry medicines:
There are over-the-counter medications that can give you immediate relief from motion sickness. However, always speak with your doctor before using such medication. You should only take these drugs as prescribed by your doctor.

Motion sickness is a common problem, but you must take appropriate steps to overcome the problem while driving. Bring the above tips into practice, and you will surely find a good solution. The effects of motion sickness can be adverse, and with time if you feel that the situation is worsening, you must see your doctor for further diagnosis.

If you are going on a long drive for the first time, ensure that you have already taken a good rest. Also, buy car insurance online as an excellent option to cover any damages that might occur during your trip. By purchasing online car insurance, you unlock features and benefits like instant coverage, better premium, and 24/7 customer support to safeguard your car from mishaps.

Click HERE to buy car 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 have been hearing for a long time that anger is human’s greatest enemy! Before going for the strategies of anger management, it is worth knowing more about anger. It is a mental state that makes a person say or do something unusual. Anger can be seen as an ego outburst and can also arise from a hormonal problem. It is even believed to be the aftermath of high body toxicity.

Extensive anger can lead to various medical complications, if not controlled in time. For example, it raises blood pressure; thus, it can be extremely dangerous if you have pre-existing heart disease or diabetes.

There are many reasons for getting angry, and so are the solutions. In this blog, we shall discuss the best and most effective ways of anger management.

Anger Management Techniques:

Different techniques work for different people. While some people adopt simple techniques, many must adopt complex anger management processes depending upon the severity of getting angry. Like any other psychological issue, anger is also complicated. As stated, these are some of the basic techniques that are suggested to be tried.

● Exercise:
Studies have shown that many people benefit from exercise to keep anger and stress at bay. Daily exercise, brisk walking, running, or bike rides can prevent anger. These exercises uplift your mood and make you calm down.

● Write down your problem:
Instead of showing rage toward others, you may write your thoughts on a piece of paper and vent out all your anger by peacefully transforming it into words. This method will surely help in effective anger management.

● Going for a walk: Going for a walk is one of the most effective strategies for anger management. The morning atmosphere remains calm and soothing due to lesser vehicles and noises. You will obtain excellent mental peace through morning walks and feel refreshed and energetic throughout the day. It is a proven fact that we become less angry when we are in a good mood.

● Counting breath:
When anger strikes, you should start counting your breaths. This is one of the most successful anger management ideas. Counting your breaths can help you reduce your anger, stabilise your breath, control your heartbeat and increase your concentration.

What makes you angry?

We have discussed a few of the best anger management ideas. But you must question yourself about what makes you angry or feel frustrated. You need to do a quick analysis and consider all possible reasons and situations. According to the research, people with frequent anger issues are vulnerable to heart-related diseases. So, in addition to considering all the factors to avoid anger, you should also procure health insurance from online health insurance companies.

Following are a few probable reasons that can trigger your temper:
● Insulting behaviour toward you
● Frequent noise
● Discussing mishaps or accidents
● Disagreement with you by anyone
● Workload
● Stress
● Mismanagement of tasks

Likewise, you must create a list of what you mostly do when you get angry. For example, some people tend to throw things away. Some people shout or scream when they get angry. For anger management, knowing these things is essential. You need to write down your plan for anger management. Writing a solution will help you make a fresh start toward peaceful well-being. By practicing it, you will be able to manage your boiling blood whenever you get angry.

Anger management is a systematic and time-consuming process that does not fetch results overnight. Build a routine to resolve anger issues and douse the fire before it damages your health and mental peace. As discussed, anger can adversely affect your health, especially your heart.

It is advised to find the best insurance by researching the different plans of online health insurance companies. If you feel your temper issues are slipping beyond your control, it is always a good idea to visit your doctor. Take the help of a professional and try to find a solution that suits you the best.

Click HERE to buy health 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.

No area in the house is immune to mishaps, and Kitchen accidents are undoubtedly the most common. There are several potential sources of injury in the kitchen, including sharp knives, hot appliances, and open flames. While it's impossible to eliminate risk, taking precautions can help mitigate it. Accidents can happen to anyone, whether they are awake or not.

When working in the kitchen, you need to be prepared for any emergency that may arise. If you plan beforehand for the worst, you can limit the damage. A personal accident insurance policy covers the costs if you get wounded in an accident and need medical care.

Moreover, you can avoid more serious injury by following these simple rules for kitchen safety and first aid.

First aid for knife cuts:

Accidents due to kitchen knives are common, but they require immediate first aid. If you cut or slice your finger, you should treat the wound using these tips:

● Clean the cut or slice area with soap and water. Apply pressure to it with a bandage or a clean cloth for a few minutes until the bleeding stops. If you bleed through the cloth, you can use another piece of cloth or use a cotton piece.

● Get the antibacterial ointment from your first aid kit and put it over the cut. Cover the wounded area with a gauze pad and adhesive tape.

● Get immediate medical help if the bleeding doesn't stop after a few minutes, the cut becomes inflamed or has jagged edges.

First aid for eye injuries:

Sometimes people accidentally shoot lemon juice or other substances straight into their eyes. If something gets in your eyes while cooking, you should follow these steps:

● Wash your eyes with lukewarm water for about 15 minutes. Protect your second eye by covering it.

● If you have a cut on your eye, don't apply pressure to it or wash it. Instead, call for medical help.

First aid for falls:

Water and oil can spill from the pot and make the floor slippery. Many people fall in the kitchen due to the slippery floor, so you should keep your kitchen floor clean and dry. However, if you still happen to fall in the kitchen, follow these tips:

● Try to get up in the right manner, or you could make your injury worse. Slowly rise to your hands and knees.

● Try to crawl to a nearby chair or preferably a wall and stand up.

● If you think you may have a broken bone or can't get up, don't move and call for help.

First aid for burns:

An accident due to boiling water or oil splashing while cooking is a severe accident. You should ensure that your children are away from the oven or stove when cooking. Turn the pot handles toward the back of the stove to prevent burns. However, if you have a burn, you must identify the type and follow the safety tips.

Different types of burns:

● First-degree burn:
If the top layer of your skin is injured, you can treat it by placing the burned area under cool, running water for five minutes.

● Second-degree burn:
If the deeper skin is injured, soak the injured area in cool water for 30 minutes and apply an antibiotic cream to it.

● Third-degree burn:
If all layers of skin are burned, apply a wet dressing and call for emergency medical help.

These first-aid tips will help you deal with kitchen accidents and prevent the condition from worsening. However, you should pay extra attention if you have children. Keep your children away from the oven, stove, microwave, knives, and anything that seems dangerous. Always wear an apron and gloves while handling sharp objects and hot utensils and working with boiling water or oil.

You can install smoke detectors in your kitchen to protect you from fire accidents. Also, purchase a personal accident insurance policy to recover from the major injuries faced in a kitchen accident to pay your medical expenses.

Click HERE to buy a personal accident insurance 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.

Buying a car was seen as a status symbol in the past. However, it has become a necessity over time. Considering the growing population, increasing traffic, and demand for luxury and convenience, cars have improved commutation in urban landscapes.

Most people spend long hours in their cars due to long-distance commutes. After completing the ride, remember a few items you should never leave in your vehicle.

1. Edibles:
It is natural to feel snacky during the day. Keeping snacks in your car for emergencies is a good idea, as long as you take them out when you exit the vehicle. When left for long hours, the food or drinks are subjected to the changing temperature inside the car, which may result in the growth of bacteria. The same applies to soda cans that have pressure within and may explode due to the external pressure from the car's cabin.

2. Aerosols:
Aerosols like hairsprays, deodorants, air fresheners, etc., are essentials. Keeping one in the car for short periods is acceptable. However, since the cabin's temperature keeps changing without artificial air conditioning when the car is not in use, you may find that your aerosol can has exploded all over your seats.

3. Plastic bottles:
Plastic bottles are a fire hazard to your car. It magnifies the sun rays pouring in through the windows or windshield and may result in setting your seats on fire. Such incidents are considered the owner's negligence and not covered by car insurance as admissible claims.
Even if the sun rays are not strong enough to ignite a fire, they will alter the composition of the plastic bonds in the bottle, which may result in harmful BPA exposure.

4. Flammable items:
Items like lighters must never be stored in cars. The fuel within such containers can expand due to the heat and result in a fire. Again, such fires are not within the scope of admissible car insurance claims. Therefore, it is essential to remember to remove flammable items from your car cabin.

5. Valuable goods:
While the other items on this list risk the car, valuable goods are what carjackers look for while determining which car to steal from. Ensure you take out any valuable goods like phones, headphones, portable chargers, laptops, and purses from your vehicle. Leaving an expensive item in the car makes it vulnerable to drawing the attention of burglars.

6. Items with specific chemical formulations:
Items like sunscreen and medication are scientifically manufactured with a specific composition of ingredients involving chemicals to ensure efficiency. Leaving such things in the heat will alter their formulation, making the goods toxic or causing a loss of efficacy.

7. Alcoholic drinks:
Heat leads to increased fermentation which ruins the flavour of alcohol. Additionally, alcoholic drinks are packaged with internal pressure to keep the liquor from altering while in transit before consumption. Excess heat is bound to make them explode.

While this list is not comprehensive, it is a general guideline for what you must not leave in the car. Generally, anything that may be affected due to high heat must not be kept inside the vehicle. Ensure that any important documents like your car insurance and registration are not left in the car. Take care of your valuables and avoid any considerable risks to your car.

Click HERE to buy the best car 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 have you heard someone advise you to brush your teeth to stop late-night cravings? Brushing your teeth will magically make you feel full and prevent you from wanting to eat something that will stain your sparkling whites. Although some people find this hypothesis true, it isn't true for everyone, especially if someone has bizarre cravings in the middle of the night.

Here are some tips for overcoming late-night cravings that can help you avoid having extreme cravings in the future.

1. Have good sleeping habits:
Although you may not be familiar with the term "sleep hygiene," it is crucial for getting a decent night's rest. Because of the numerous studies linking sleep deprivation to lowered metabolic function, hormonal abnormalities, and increased appetite, sleep plays a crucial role in increasing late-night cravings.
You'll have a better chance of getting a good night's sleep if you make your bedroom a calm, cosy place to sleep rather than staying up late yearning for junk food.

2. Eat a healthy breakfast:
A whole grain bagel or oatmeal are excellent first-step carbohydrates since they contain a lot of fibre. You'll feel full and satisfied for longer periods if you eat a breakfast rich in these nutrients. Preparing a few items in advance can be useful if you have a habit of rushing out the door in the morning to ensure you have a satisfying meal to start the day.
For meals to be enjoyed throughout the week, you may try eating hard-boiled eggs, baked oatmeal, overnight oats, or even a few veggies and nuts. These beneficial breakfast routines can help you stay full throughout the day and avoid late-night cravings.

3. Try something else:
According to research, cravings are nearly psychological and not physical needs. Although you don't need to eat, this does not mean that you should disregard it. The research also states that willpower is like a muscle that weakens throughout the day and becomes almost non-existent at night. Create a distraction to take your thoughts away from food. You can try chewing peppermint gum, as the studies suggest that menthol odours reduce hunger.

4. Enjoy a delicious supper:
Your body will feel satisfied and full for several hours after dinner with protein, healthy fats, and complex carbohydrates. This will likely stop any late-night cravings you have.

5. Take warm liquids:
When you're rushing around making supper and getting the kids ready for bed, it's easy to confuse thirst for hunger and to forget to drink enough water. Try a cup of herbal tea without caffeine or warm water with lemon if you're still hungry after supper. These naturally calorie-free fluids are hydrating while also making you feel full.

6. Exercise your brain:
Put a mental barrier between yourself and the craving. Stop and give yourself a pep talk to control your emotions. As you picture "moving away" from your hunger, tell yourself that it is "only an idea."

7. Portion out your snack if you're hungry:
You've done everything you can to avoid feeling ravenously hungry at the end of the day, including eating filling meals, getting enough sleep, and paying attention to your body. This can occur occasionally! If it is late and you are still hungry, don't be too hard on yourself. Do yourself a favour and divide whatever you intend to eat. You may even try healthy snack suggestions if you want to feel satiated rather than hungry after eating.

These tips guide you to avoid disturbing your sound sleep due to the constant urge to eat something at night. Bring these tips into practice and adopt a healthy routine with lower bloating risks.

Also, consider investing in health insurance to keep yourself mentally and financially strong during medical emergencies. An all-inclusive health insurance plan will pay for hospitalisation, childcare operations, medical care received at home (domiciliary hospitalisation), and ambulance fees, among other things. Buy yours today without any delay!

Click HERE to buy health insurance for you and your family.

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

Repair and service of your vehicle can be daunting and more challenging if the damage is so severe that some parts might need replacement. But, the introduction of fake spare parts for automobiles is posing a threat to the longevity of the vehicles and depreciating their value over time. Recognising a fake spare component is challenging because the phoney industry is evolving quickly.

Companies are striving to enact severe punishments against the manufacturers of these counterfeit parts. Still, there is a large part that you might encounter. How can you distinguish a fake from a real one? The characteristics listed in this article can help you identify genuine or bogus spare parts.

1. Check the serial number and hologram: A specific serial number is linked to all OEM/OES authentic auto spare parts. It will be helpful to trace a piece back to its source, allowing the part's authenticity to be confirmed. In India, you can also find a unique hologram of the company that makes the auto parts, which makes them impossible to replace.

2. QR code:
Most spare parts have a QR code that a smartphone may read to verify that the part is authentic. This unique QR code helps maintain product tracking and get all the required details about that part right from its manufacturer, the manufacturing date, model number, and more.

3. Check brake pads:
These are crucial components of a car's brake system. A false brake pad typically deteriorates quickly and unevenly. Also, fake brake pads can quickly fall apart because the materials used are of poor quality and have less resistance factor. These bogus brake pads wear out too soon, causing the brakes to fail.

4. Electricity risks:
Electrical component failure is a significant cause of car fires. And when they are examined, it is typically discovered that these automobiles have electrical parts that are phony or counterfeit. Such components may be dangerous since they may not comply with industry standards and might turn risky due to the chances of a blowout at any time.

5. Uncommon packaging:
It is important to understand the packaging of parts before purchasing them. Stay alert regarding the regular packaging of that part and the one you receive. Fake parts are delivered in unusual packaging and boxes. You must be able to differentiate between them and look out for company branding, the model number, and other essential information imprinted on the auto part. Call the dealer immediately if you feel something fishy.

6. Huge price differences:
Finding a deal is one thing, but if you notice parts being offered at an outrageous discount, like 90%, there is a very strong likelihood that they are fakes. Always do a price comparison, ensuring you get the original product.

7. Always visit an authentic and authorised centre:
It is advised to visit only the company-authorised centres to purchase genuine spare parts. These centres are approved by that particular vehicle brand and get an exclusive dealership to provide genuine products and the best customer service. Also, you can always connect to the centre if you face any problem with the part. Don't forget to get the bill and other important documents like the warranty card, user manual, and more.

You are responsible for informing the manufacturer once you discover that spare parts are fake. The body that considers these complaints will take appropriate action against the seller. They take the counterfeit parts and ensure they don't reappear on the market.

Additionally, ignore anyone trying to sell you fraudulent parts by claiming they are identical and will save you money. This little bit of money you might be able to save right now could lead to something dangerous. Good quality and original spare parts will help you increase the life of your vehicle. Take your car to regular servicing, do proper maintenance, and buy the best car insurance in India to keep it in the best shape.

Click HERE to buy the best car 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.

Travel is a favourite bucket list item for most people who aspire to discover new opportunities, savour offbeat experiences, introspect and grow holistically. With general insurance covering the financial burden of accidents that may happen while travelling, it has become easier and safer to travel than ever before.

Despite the ease of travel, most people end up postponing plans indefinitely or even cancelling due to budgeting issues. Overspending while travelling can have a significant impact on your finances. However, pinching every penny ruins the joy of the experience. Therefore, it is essential to find a balance, make careful estimates, and use tricks that save money on regular activities.

Food is one such expense that adds to the joy of travel. However, it is easy to overspend on food while travelling. Here are some smart ways that can help you save on food.

1. Complimentary breakfasts:
Usually, breakfast is included in the cost of the room. It is an overlooked service that can save you a sizable sum throughout your stay. Most hotels provide good-quality breakfast spreads that give you a taste of the local cuisine and international foods.

2. All-you-can-eat buffets:
These buffets can save you a lot of money if you travel with large groups or have a voracious appetite. Instead of purchasing individual menu items in fancy restaurants, it is significantly cheaper to head to a buffet restaurant that specialises in a specific food type- meat, pasta, or pizza, for example. These restaurants can be easily found by a quick internet search.

3. Avoid tourist-catered restaurants:
Tourists often travel without prior research and pay exorbitant rates for items sold at prime locations. An example is the restaurants in tourist-centric areas like the city centre or nearby tourist attractions. These restaurants charge high prices and exploit tourists who don't know the actual cost. It is best to avoid such centrally located restaurants and instead research and find local restaurants to get a taste of authentic cuisine at reasonable prices.

4. Stash your snacks:
Have you ever experienced hunger outdoors without having a snack prepared, and the only available options are overpriced foods you would not otherwise purchase? Imagine that in a foreign place where you end up paying heavily.
In desperate times, we purchase unnecessary things at unreasonable prices that do not truly satisfy our needs. To avoid this, carry a few snacks with you. This helps tide over time between two activities and prevents you from wasting money on overpriced snacks.

5. Allocate one meal a day for dine-out:
It is tempting to dine out for all meals while on vacation. However, this leaves a massive dent in your wallet. The easiest way to overcome this obstacle is to define a meal to eat at a local restaurant each day. Preferably, this should be lunch to get the most value for your money. Complimentary breakfasts and grocery stores or cooking for dinner make it easy to follow this rule.

6. Opt to cook:
If you're booked into a hostel, or your hotel room provides the equipment you can use to cook, ensure that you make full use of them. This can help in cutting down food expenses substantially. In case neither of these options is available to you, choose to purchase freshly prepared sandwiches or similar quick fixes from grocery stores or local bakeries.
Ensure that the food is safe to eat by thoroughly checking the expiry dates to prevent any issues that may lead to illnesses, irrespective of whether or not your travel is covered under your general insurance.

With some planning and research, you can limit your food expenses without adversely affecting your travel experience and preventing you from travelling. Think like a local, and you can significantly reduce expenses. However, you must pay attention to purchasing comprehensive general insurance covering accidents while travelling.

Click HERE to buy the best general insurance policy before your next trip.

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.

Let’s address the big question, how to go about a claim?

The information on this page covers the part that you're most concerned about: Claims.

Our claim settlement ratio is something we're really proud of. Trust us, we are equally eager to settle your claims, should there be an untoward situation. Call us on 1800 266 3202 for seamless claim support.

Some important points related to the claims process:

For motor insurance claims, you can send us a video of the damaged vehicle taken from your smartphone, through the link that we share on your registered mobile number. You can also get in touch with your agent, visit our nearest branch or email us at customercare@magma-hdi.co.in for speedy assistance.

We promise you – we'll never leave you stranded. Our 24*7 Roadside Assistance add-on will help you with vehicle pick-up, repairs, and several other services (only if this service is opted for). For repairs, we urge you to choose our preferred workshops / network garages (where we'll settle the bill directly with the garage) or even if you don't, we'll settle the payment based on the relevant invoices and documentation (if only it is admissible under the terms of the policy).

To check the preferred garages near you, please click

For health insurance claims, in case of planned admission, we request you to inform us or your agent before the hospitalization, this will help us to process your claims quickly. Kindly intimate your claim within 30 days of hospitalization. You can avail yourself of the cashless facility at any of our Network hospitals.

To check the network hospitals near you, please click

You can also download our "Magma HDI" mobile app from the Google play store or Apple app store or visit our website www.magmahdi.com for the following services:

1. Intimate and track claims
2. Avail wellness services
3. Download claim forms
4. Search hospital for a cashless
5. Access your policy facility features and health card, and more

For more clarity, we have summarized a few points to know why health claims get rejected, click here to view our blog.

We've reached the end of this page. See how quick that was!

To register your claim, click

Modern problems require advanced solutions. If you've been on the internet for a while, you've heard about cyber-attacks. With the increased dependence on digitalisation, cyber-attacks are an enormous threat to the growth of any business. Cyber-attacks affect the devices on the company's network and infringe on its data reserves. It puts the organisation at the mercy of hackers who can gain control over its valuable digital assets.

A conservative cover like a public liability insurance policy may not suffice in such instances. Commonly known to cover any physical injuries and third-party damages on owned property, a general liability insurance policy is necessary for every business. However, it does not cover cyber-attacks, making it essential to purchase an individual plan.

This blog discusses the correlation between rising cyber-attacks and the recent hikes in premium rates.

Understanding cyber insurance:

The recent Covid-19 pandemic highlighted a business's digital presence like never before. With many risks like malware attacks, compromised emails, and attacks on software and hardware devices, insuring a business is crucial. Cyber insurance is the perfect tool to combat such contingencies to prevent sudden operations interruptions from manufacturing up to the delivery stage. Cyber insurance is a rapidly growing segment of the Indian insurance sector.

Insurance premiums and assets covered under the policy:

The potential of digital assets is unimaginable. They are highly valued compared to physical assets like machinery. The insurance segment presently covers a small percentage of businesses, including banks, non-banks, and information technology services companies that comprehend the need for the cover. These organisations are heavily dependent on their pool of digital assets.

The high premium amount is a distinguishing factor that sets cyber insurance apart from most insurances. While common insurances like health, motor, or fire insurance are significantly low compared to the cover value, cyber insurance has a very high cover, up to 200 crores depending on the industry and the valuation of the business.

These high premium values are marginal compared to the asset valuations covered under the insurance. Typically, the assets covered under the policy are 50-100 times the value of the annual premium paid. The premium amount is determined after studying multiple factors like the company's turnover, cyber-attack risk, and availability of backup infrastructures.

Insurance premium trends:

As the demand for the product increases, so does its price. With reputed insurance providers stating that the Indian cyber insurance market has a projected growth of 35-50%, the rising trends in premium amounts do not come as a surprise. The high rate of uncertainty and dynamic environment with new cyber threats frequently emerging has caused a steep increase in premiums.

While some reports and insights by experts suggest that the increase is by 50%, there is reasonable evidence to believe that the growth may be closer to 100%. Despite the exponential increase in premium amounts backed by expansion in demand, the need for cyber insurance continues to grow. While the policy was taken by only big corporations earlier, smaller businesses of varying natures are assessing the risk of being unprotected in such volatile conditions and are willing to pay the high premium amounts, which do not seem to stabilise or decrease any time soon.

While the penetration rate of cyber insurance policies is not as high as any general public liability insurance policy, the need is bound to continue creating a demand for the insurance and fuel higher premium rates in proportion to the risk shouldered by the insurance providers.

Click HERE to buy the best public liability insurance for your business.

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 most Indians, purchasing a car is a significant milestone. It is an asset that requires heavy investment, offers convenience, and doubles as a status symbol. Over time, alternate mechanisms of protecting your car against uncertainties have emerged. These mechanisms provide owners with greater security features. One such upgradation is that of smart vehicles. While advanced tech-powered features make the driving experience safer and smoother, they also raise cybersecurity concerns.

For a vehicle that holds such significance, it is necessary to buy car insurance policy online to protect it against accidents and financial worries.

Here are some tips to prevent your smart car from getting hacked:

1. Regular updates
Cars are getting smarter by the day as manufacturers race toward developing the best systems for their automobiles. With such rapid developments, installing those updates in your vehicle becomes necessary. This can be done during your vehicle's servicing at an authorised service centre at no additional cost.

2. Secure your fob
A key fob, also known as a fob, is a common feature in the latest car models. It replaces a traditional key and facilitates keyless access to your car through electronic signals by pressing a button. While this makes opening your vehicle easier, hackers have found ways to unlock your car even when the fob is not nearby by cloning the signal using an e-signal amplifier.

Consider using a specific fob holder that protects it against hackers to prevent such signal-altering tactics. Additionally, consider purchasing an add-on key protection cover. This ensures greater protection of your vehicle and allied tools. Also, remember to buy car insurance policy online as an additional layer of protection for your car.

3. Keep an eye on Bluetooth connectivity
Bluetooth connectivity has been around for a long while, and its scope of use has expanded to other electronics than just personal communication devices. While connecting your phone to your vehicle can make drives entertaining with music or navigating easier, turn off your vehicle's Bluetooth to ward off hackers' prying eyes when not in use. Not only can they access valuable data, but re-alter routes and pose a threat to your safety.

4. Embedded firewalls
With connectivity gaining significance, car manufacturers offer multiple mechanisms to transmit data directly between owners' devices and vehicles. Do not allow communication or connectivity access to any unauthorised devices. You can install a firewall that eliminates communication attempts from unknown vehicles or devices.

5. Smartphone connectivity
As we become increasingly dependent on your smartphones, they are also doubling as an alternative to keyless entry to your car. Ensure your smartphone is secure before connecting to your vehicle using the manufacturer's authorised app. Any existing malware may prove to be an issue in the long run. Therefore, for the security of your vehicle and personal data, check for any signs of malicious intent, unauthorised apps, and data packages on your phone before you connect it to your car.

6. Avoid third-party updates
You must only install or modify your car's software approved by the manufacturer. If you install any new updates through a third party, you may encounter issues with your car's functioning and create loopholes that hackers can use to manipulate your vehicle's processing.

With smart features rolling out daily, it is inevitable to eliminate cybersecurity threats, even when it comes to cars. Consider this when comparing options to buy car insurance policy online to find the best one that offers comprehensive protection against hackers, accidents, and more. Feel free to contact a cyber expert if you feel that the situation might get critical. Stay alert and try to gain fundamental knowledge about the potential risks to your car's safety due to hacking attempts.

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.

The numbers of road accidents in India are astonishingly increasing every year for many reasons, including drunken driving, being careless at the wheel, driving without attention, not following traffic rules, etc. Regardless of the reasons surrounding the road accident, you need to be extremely cautious on the road. You should also buy car insurance policy online, not as a mandate but as a comprehensive protection for your vehicle.

A lot of times, challenging situations may occur regarding road accidents, even if you are not at fault. Sometimes you may be accused of an accident you have no connection with. If you're not responsible for the accident and wondering what to do? You need not panic. We have curated this article to help you determine your next steps if you're not responsible for an accident.

What are the immediate steps?

Your immediate action plan should be:

● Try to stay calm before taking over the situation

● Call an ambulance if you or anyone involved in the accident is hurt

● If the cars are damaged, you should also call the police

● Make the drivers aware of the insurance coverage

● Take pictures of the vehicles involved in the accident

● Wait for the officials and car insurance companies to decide the next steps

● Do not panic and blame others

What to do if you are not responsible?

A car accident can be extremely stressful and anxious situation, so you must maintain your composure and pick your battles wisely. Some tips to help you deal with it are

1. Gather information:
You need to get important information like the name and address of the other driver. You should also take pictures at the accident scene. Collect photos of the damage to the involved cars, the number plate of the at-fault car, and then the driver's driving licence. Try to note down the statement of the passengers and witnesses.

2. Inform your insurance company:
Your insurance company should get involved in such a situation. But you must be very quick in submitting your details and proofs to your insurer (probably in the first 24 hours of the accident). The insurer of the at-fault driver may hold you guilty of the situation. Fret not! You should just state the facts, statements, and pictures for them to decide. You should also inform your insurer as it will establish your reputation as a good-faith citizen. They can also protect you if the other insurance company denies your claim.

3. File a legal claim if necessary:
Legal claims can be tedious. You need to choose that very wisely. You must only go for a legal claim if the extent of damage is massive. You are eligible for a legal claim when the other person's insurance company denies your claim and does not give you compensation. You can fight this with the other insurance company for rightful compensation.
However, if you are seriously hurt, you need a lawyer to fight your claim. Things can get pretty intense, and you need to choose everything with caution.

If you get into a car accident that you weren't responsible for, you should collect information on-site as much as you can. This will give you an upper hand. You can also claim their liability insurance. If you buy car insurance policy online, you will be covered against all the losses you encounter after a car accident. But, all of this should happen swiftly without any delays. You can win the situation only if you act fast and present your case strongly.

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.

Good health is considered to be our greatest gift. It results from practising healthy habits, including eating nutritious and well-balanced meals, sleeping on time, and exercising daily. These contribute towards a balanced and wellness-focused lifestyle that is exceptionally significant in the long run.

While your habits can help minimise the risk of illnesses and facilitate overall wellness, there is no practical way to prevent diseases. However, prudent mechanisms like buying health insurance online in India and conducting regular health checks can help maintain your well-being.

As astounding as it may sound, your nails can say much about your body's health in no time. You may not believe it at first, but this article on various parameters of nail health and what they may indicate is all you need to learn more about the topic!

1. Yellow nails:
Yellow nails indicate various things, including wearing nail paint frequently. In such a case, you need to take a break from the salon. Your nails may also turn pale yellow as a result of old age. Another significant cause may be excessive smoking.
Additionally, it could also be an indicator of yellow nail syndrome. It is a rare genetic disorder that causes thick yellow nails. If you notice that your nails are yellow for an extended period, consider getting them checked immediately.

2. White spots:
White spots are extremely common in nails. You can find these white spots scattered across your nails. Contrary to popular belief, it does not indicate a calcium deficiency. Instead, it could be the result of a minor nail accident. It could also be a symptom of leukonychia. It is harmless but may indicate other health problems, including liver or kidney issues. If you notice such white spots regularly, the best action plan is to consult a doctor soon.

3. Brittle, cracked, or dry nails:
Dry and cracked nails are extremely common in recent times. A dry nail plate causes dry nails. It can result from swimming, dishwashing, or excessive use of nail polish remover. Reduce the frequency of these activities to prevent dry nails. Low humidity could be another cause of this condition. It can also occur due to old age.
However, brittle nails can also be an indicator of hypothyroidism. Since it is difficult to gauge the root cause of the problem without medical intervention, we encourage you to consult a medical professional who can help diagnose the problem. To reduce the burden of hospitalisation expenses on yourself, you must buy online health insurance. If your tests do not indicate a significant problem, using lotions to keep your nails moisturised may suffice to correct the issue.

4. Blue nails:
If your nails turn blue frequently, it can mean that your body is not getting enough oxygen. This severe problem could also result from underlying heart and lung problems, requiring immediate medical attention.

5. Nail clubbing:
Frequent swelling and curving of the nails can result from serious issues like lung disorders and kidney issues, for which you need to consult a doctor immediately.

Many diseases and abnormalities can change your nails' colours or cause them to grow abnormally. All these are indicative of other ailments that may prevail in your body. You must consult a doctor immediately if you notice such signs and symptoms. Do not overlook these signs. Be responsible and ensure regular check-ups to keep your body in the best shape. You should also buy online health insurance to stay ahead and protect your health with comprehensive coverage.

Click HERE to buy online health insurance.

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

With the advent of the hustle culture and technology moving at an incredible pace, our lifestyles have been affected dramatically towards the unhealthy side. Our diets, sleep schedules, and working hours have seen a massive shift that has negatively impacted our health and relationships with ourselves and others. And this unhealthy switch has a massive effect on our work and productivity. While self-care has become an enormous part of our lives, it is now a must-do activity instead of just a habit we are supposed to inculcate in our daily routine.

Have you been feeling down and unfocused lately? Do you need help concentrating to carry out the menial tasks of the day? Well, mental health is a massive part of our lives today. You should contact trained professionals if you feel severe anxiety and other issues. But if you're struggling with productivity, a morning routine may be what you need!

This blog discusses how you can reform your lifestyle with a proper morning schedule and observe significant changes in your spirit and health.

1. Plan your day in advance:
Figuring out your day's schedule helps prepare you mentally and physically for getting all the work done. Monitoring the time to accomplish a particular task enables you to keep track and improve your efficiency and make space for other personal and professional things. A to-do list is a right way to go about structuring your day. You can allot time for these things according to your estimation and roughly note down the hours you will dedicate to a particular task from your list. This will help you stay on top of your productivity game.

2. A sound sleep:
A good night's sleep is essential. While several other pieces of research every day indicate different hours of sleep required by a certain age group, seven to eight hours is the fundamental need for a human body to function correctly. Ensuring a good night's sleep makes you feel fresh and ready for the next day. It helps you to be productive and complete all the tasks for the day.

3. Meditation and reading:
Meditation helps you connect with your inner self and calms your body. It enables you to strengthen your focus. Meditating every morning will help you calm your nerves and prepare for the day. It is very effective in dealing with anxiety and stress. Mental health professionals and physical trainers always recommend it as a part of your exercise and self-care regimen.
You can also set a target for reading which is a nourishment for your brain. You can either commit to reading ten pages daily and slowly increase. Or you can set a time limit, beginning with reading for ten to twenty minutes and then working your way up. This will help you improve your reading speed and boost your concentration, and eventually, you can develop a habit.

4. Move your body:
Any form of physical activity in the morning like stretching, yoga, and exercise will improve the blood circulation in your body and regulate hormone levels. Physical activities also help you structure your day, improve your metabolism and enhance your well-being. Your fitness journey would eventually lead you to healthier diet choices, thus making an enormous contribution to your lifestyle.

Some other elements you can introduce in building productivity include drinking one glass of water in the morning, eating a nutritional breakfast, breathing exercises, cleaning and organising your personal space and work desk, spending some time in nature without any gadgets, positive self-talk and affirmations, etc. The key is to formulate all these things into a routine and take it one day at a time.

Health is the most crucial aspect of our life. While we try our best to take care of our health, some unforeseeable circumstances can create an imbalance and adversely affect our health. To combat such incidents, you must explore different insurance options from multiple companies and choose the best health insurance policy for family.

Click HERE to learn more about the best health insurance policy for family 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.

Relocating to a new country is a thrilling and challenging experience that requires careful planning to ensure a smooth transition. If you're moving to India as a Non-Resident Indian (NRI), one of the most critical aspects to consider is your healthcare needs. While India has made significant strides in healthcare, medical costs can still be quite expensive. Having adequate health insurance coverage is essential to protect yourself and your family.

Here we'll discuss why purchasing health insurance is essential for NRIs planning to relocate to India.

1. Access to quality healthcare
One of the most significant advantages of purchasing health insurance is having access to quality healthcare. India has an excellent healthcare facilities system and skilled healthcare professionals, but these can be expensive. With health insurance, you can access the best hospitals and doctors without worrying about the high cost of medical treatment.

2. Comprehensive coverage
Health insurance offers comprehensive coverage for medical expenditures. It covers hospitalisation expenses, doctor's fees, diagnostic tests, and medication costs. NRIs can opt for individual or family floater policies to protect themselves and their dependents, ensuring everyone can access quality healthcare when needed.

3. Protection against medical emergencies

Medical emergencies come without warning, and they can be financially draining. With health insurance, you can protect yourself against such emergencies. Most health insurance policies cover critical illnesses and accidents, providing financial security and peace of mind.

4. Cost-effective

Health insurance is a cost-effective way to protect your health and your finances. Paying a small premium regularly ensures that you are covered for medical expenses that may arise in the future after relocating to India. Additionally, some health insurance policies offer tax benefits, which can help you save money on taxes.

5. Pre-existing conditions
If you have a pre-existing medical condition, it's essential to have health insurance coverage. Most health insurance policies cover pre-existing conditions, ensuring you have access to quality healthcare when needed. Declaring your pre-existing conditions when purchasing health insurance is crucial to avoid future disputes.

6. Cashless hospitalisation
One of the advantages of health insurance is cashless hospitalisation. In a medical emergency, you can access cashless treatment at any network hospital, ensuring that you receive the best possible care without worrying about the high cost of treatment. This feature especially benefits NRIs who may need access to more cash in India.

7. Tax benefits
Health insurance policies offer tax benefits under Section 80D of the Income Tax Act, making it an excellent investment for NRIs. You can claim deductions for the premium paid towards health insurance for yourself, your spouse, and your dependent children. This deduction can lower your overall tax liability, making it a wise financial decision.

8. Flexible coverage options
Health insurance policies offer flexible coverage options to suit your individual needs. You can choose the sum you want to insure based on your age, health condition, and family size. Many policies also offer additional coverage options such as critical illness, maternity, and overseas coverage, making it a versatile investment for NRIs.

9. Peace of mind
Purchasing health insurance provides peace of mind, knowing that you and your family are protected against any unforeseen medical expenses. With health insurance, you can focus on settling into your new life in India without worrying about the high cost of healthcare.

Moving to India as an NRI can be an exciting experience, but it's crucial to have adequate health insurance coverage to protect yourself and your family. Health insurance provides access to quality healthcare, comprehensive coverage, protection against medical emergencies, and peace of mind. Consider purchasing health insurance when relocating to India to ensure you have access to quality healthcare when needed.

Click HERE to learn more about the benefits of purchasing 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.

Bloating can be a common but painful condition for some. We all know the feeling, the tender abdomen, and the stomach that looks a lot larger than usual. Bloating is a disorder that usually happens after overeating, eating something you are intolerant towards, or having too many fizzy drinks that result in a gas build-up.

However, bloating can also occur due to too much stress in your day-to-day life, which causes indigestion. This blog gives you some tips and tricks to get relief from bloating.

1. Try massaging the belly:
Bloating is usually a build-up of gas, which you can control by giving a gentle massage to your abdomen. This helps move the gas to the lower belly and relieve it. It’s best to follow the path of the large intestine for optimal results.

2. Drink that bottle of water:
Hydration is vital to most of the body’s functions. Drinking less water not only affects the kidneys but it has a significant impact on digestion too. Drinking water will make it much easier to pass stool, which will, in turn, help with your bloating. Also, the mucous lining of your stomach significantly improves from more hydration, so keep finishing that water bottle!

3. Reduce the consumption of fizzy drinks:
The consumption of fizzy drinks has increased drastically worldwide, which also brings digestive issues. Fizzy drinks are pumped with carbon dioxide, which gives the stomach a tough time. People have also replaced water in their households, which makes them even more dangerous.

4. Exercise:
In this technologically advanced world, sedentary lifestyles have become the norm making significant negative impacts on our overall health. Exercise relieves fluid retention as we sweat out sodium and helps move stool and gas out of our system. So, no matter how busy your schedule is, take time to indulge in some physical activity to relieve your abdomen.

5. Check for lactose intolerance, cut down on the dairy:
Approximately 65 percent of the world has a reduced tolerance to dairy products after infancy. So, it is no surprise that dairy products cause bloating in many people due to their inability to digest milk and milk products.

6. Drink your coffee:
Coffee can help make bowel movements regular and is therefore regarded as suitable for people who suffer from chronic bloating.

7. Avoid alcohol and other spirits:
Alcohol is fermented and is bad for your gut health. This might make you blow up like a balloon and cause severe discomfort. Using fizzy drinks to the mix makes the situation even worse.

8. Pop a peppermint capsule:
Peppermint is excellent for people suffering from Irritable Bowel Syndrome (IBS) but can also be used for indigestion and other gas–related issues. It is great for the gut as it helps relax the intestinal muscles, allowing stool to pass more easily. However, one should be careful and take these capsules only after reading the instructions. People with heartburn should skip this one.

9. Take a relaxing bath:
A warm bath or a shower can melt away all the stress of the day and make you feel light and breezy. This can reduce stress levels, which are a significant cause of indigestion. The warmth will also be relieving for a tender stomach.

10. Try to reduce your salt consumption:
Salt is a major cause of fluid retention and can cause bloating after an incredibly salty meal. Try cooking at home instead of dining out, and avoid fast food with salt and oils.

Bloating is highly uncomfortable and can ruin a day that otherwise was full of promises. Bloating can also be due to other medical reasons. If you notice regular bloating, contact a medical professional at the earliest to diagnose the issue. Additionally, consider purchasing health insurance that provides coverage against various illnesses to protect your health and look after your medical expenses. The right research and knowledge can help you find affordable health insurance plans that are soft on your pockets but best for your financial security.

Click HERE to learn more about affordable 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.

Regular health check-ups are essential for everyone but become critical for seniors. People over 50 are more likely to develop chronic diseases because of unhealthy lifestyles, diets, genetics, and other reasons. The most common conditions in seniors include heart disease, cancer, COPD, arthritis, pulmonary disease, and memory loss. Buying health insurance in India for parents is a necessity you must pay attention to. Not only does it protect your finances from rising medical inflation, but it also offers preventive health checks.

A good health check for senior citizens covers various tests such as a kidney profile check-up, complete blood count test, fasting blood glucose test, thyroid profile check-up, abdomen and chest X-ray, and an ECG test. If you have senior parents or grandparents at your home, it is wise to provide regular check-ups to keep them healthy.

Here you can find more reasons to give your parents regular health check-ups.

1. Detect health problems early
Healthcare professionals are trained to detect different symptoms and suggest treatments accordingly. Doctors can help you identify health problems in seniors at the earliest. They can also refer them for requisite tests and send them to the right specialist. Most conditions, like diabetes and high blood pressure, don't result in symptoms at an early stage. However, doctors can identify these conditions by checking the senior's weight, blood sugar, blood pressure, and cholesterol levels.

2. Learn the risk of disease in seniors
During a prevention check, the doctor can find problems that may put your seniors at greater disease risk. Doctors also check the family's health history for inherited conditions like diabetes or cancer. If your seniors are more at risk of disease, doctors recommend a healthy diet, sleep, and fitness habits. Adopting these healthy habits prevents many diseases and ensures an enhanced quality of life.

3. Gain more control over chronic conditions
If your parents have long-term conditions like heart disease, diabetes, asthma, or arthritis, they will need regular care from the doctor. The healthcare provider will check in with your parents at each visit to ensure their condition is under control. They can also provide preventive measures like diet or medication to control the seniors' chronic conditions.

4. Treatment and cure chances increase
Besides preventing chronic disease, regular check-ups also help increase the effectiveness of treatment and recovery in seniors. With regular check-ups, doctors can provide better medication and lifestyle changes to manage symptoms and reduce risk factors for chronic diseases.

5. Save money by preventing costly medical services
People often spend lots of money on expensive medical treatments that can be avoided by developing healthy habits. If you don't want to spend money on costly medical services, you should take your parents to a clinic for regular health check-ups. Ensure they follow the doctor's advice regarding a healthy lifestyle and maintaining a healthy weight by paying attention to nutrition.

6. Build a relationship with a doctor
You and your parents can get to know your doctor better with each check-up. Building trust between doctor and patient is essential. It makes it easier for seniors to talk about personal subjects like drug or alcohol use, urinary tract health, etc., without any hesitation. Regular check-ups also help your doctor learn more about your seniors and advise the best health plan for them.

Regular health check-ups are a great way to assess your senior's health condition and detect any issues early. Also, getting health insurance in India for parents is essential, as it covers all medical expenses such as annual preventive health check-ups, domiciliary treatment, hospitalisation, and the costs of medicines.

Click HERE to buy health insurance in India for parents.

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 car market, you can find many models in different sizes, styles, and shapes. With each design, manufacturers are rolling out additional features to enhance safety, aesthetic appeal, functionality, etc. While you may choose designs and functions as per your preferences, safety is a non-negotiable feature. The best car insurance company in India offers comprehensive coverage, ensuring passenger safety at all times.

As per the latest auto trends, boxy car designs are becoming popular in India. These cars can be likened to passenger cars with features of off-road vehicles. Indians show a great interest in SUVs and hatchbacks, which has caused automakers to launch over 35 models in the last five years. Additionally, the most popular boxy car models are still flowing in.

Reasons why boxy car designs are in vogue
A significant reason driving demand for boxy car designs in India is the need for premium features. Car buyers are willing to spend more on their mode of travel and top-end vehicles with advanced features like connected technologies, sunroofs, and more space.

1. Seating capacity
Indian families usually have many members that need cars with more seating capacity. Boxy vehicles are more popular among large families. Small SUVs are 5-seaters, whereas most SUVs are 7-seaters. There are options to fit the requirements of different families. This makes boxy cars perceived more as family cars.

2. Sturdy build
The boxy car has rugged styling that gives it a glamorous on-road appearance. It’s tough nature also provides a bold stance on the street. Also, the driver can enjoy good handling, high-speed reliability, and riding quality.

3. Feature-rich
Most small SUVs have a wide range of features, such as a sunroof, a two-zone HVAC system, a turbocharged petrol engine, an automatic gearbox, and more top-notch features. SUVs also have other features like seven airbags and dual-zone climate control. The best advantage of owning a boxy car is the greater storage space for luggage.

4. Driver's high seating seat
India is known for its busy and narrow roads. SUVs have excellent visibility of the road ahead and have a high seating position. This feature lets the driver handle the vehicle more adequately through traffic jams and narrow streets.

5. High ground clearance
Boxy cars are equipped with high ground clearance, which makes them more suitable for operating on full-of-pothole roads. This feature also allows drivers to drive on waterlogged roads more easily than sedans.

6. More safety
Boxy cars have a high seating position and airbag features that provide safety to the driver and passenger physically and mentally. However, when a collision occurs, the driver and passenger must wear seat belts so that the airbag can work properly.

7. Reasonable price
A few years ago, boxy cars like SUVs were limited to the higher affluent class. However, now SUVs are perfect for all Indian car drivers' needs. Another thing that makes these boxy cars famous is their attractive price, discounts, and bank EMI options.

Boxy car suits large families and is a top choice for planning adventures like camping and road trips. If you are also interested in boxy car design, consider factors like capability, safety, performance, practicality, and reliability.

Also, consider choosing an insurance policy issued by the best car insurance company in India to ensure optimal coverage for your car. You can also get third-party liability and personal accident coverage with the right car insurance plan.

Click HERE to get insurance from the best car 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.

Young adults are at a nascent stage of life, beginning to understand and bear life's responsibilities. It becomes important for them to understand budgeting fundamentals to adequately control their expenditure against what they earn. It will help them avoid suffering a money crunch situation or a deficit by spending more than they can earn during the budgeting period.

A life without budgeting is similar to a rudderless ship in the middle of an ocean. A budget is a perfect plan to structure our investments and ensure financial stability by estimating our probable income and expenditure. Let's understand a few budgeting fundamentals that can encourage young adults to become financially independent individuals capable of making fruitful investment decisions. When we talk about investments, insurance plays a vital role. Investing in a reliable general insurance company can be a good kick-start for young adults.

1. Know your income:
Young salaried adults should know their net income after considering several deductions and taxes. They should not focus on their total salary but on what they will get in hand during the budgeting period. This will help them not to overspend.
A young adult with an irregular income stream, such as a freelancer, a contractor, or a self-employed, should plan and chart his probable earnings over the budgeting period. They should also consider income from other sources, such as interest and dividend earnings, rental income, etc.

2. Know your expenditure:
Young adults should then divide their expenses into two parts- fixed and variable. They cannot avoid fixed expenses such as rent, telephone and electricity bills, EMIs, etc. However, they can control and trim their variable costs according to their income. They need to track and categorise such expenditures so that they know which expenditures to curtail and which to completely avoid.

3. Setting goals:
The next step in budgeting is to set realistic short-term and long-term goals. Short-term goals are the ones that will take a year or two to fulfill. Young adults may budget to set up an emergency fund. Long-term goals will take a longer time to accomplish. They may budget to invest a certain amount monthly in a mutual fund through the SIP route to secure their future or plan for their children's future education. They may also budget to buy insurance policies such as term, health, or life insurance.

4. Plan effectively:
Effective planning is the key to implementing any budget. Young adults should plan how to increase their income in the coming time and set spending limits for the expense category that can be controlled. They should understand the difference between necessities, comforts, and luxuries. While necessities are a must and cannot be curtailed, spending on comforts and luxuries can be controlled through proper planning.

5. Review regularly:
Young adults should review their budgets regularly. Income and expenditure may go up or down due to several reasons such as a salary raise, fulfillment of some goal, new ambition, change in taste and preferences, etc. They should adjust their budget accordingly so that it stays relevant.

Young adults must understand budgeting fundamentals and their importance in their lives. This will help them to stay aligned with their budget goals. They can switch to using cash as the preferred mode of payment in case they cannot control their spending when using plastic money.

Young adults are at a stage of life in which general insurance policies also start gaining importance. They should divert some portion of their income towards buying insurance policies, be it health insurance, home insurance, or any other type of insurance per their specific needs. Insurance will ensure their secure and financially stable future and cover their entire family in emergencies. The right general insurance company can benefit young adults by streamlining their finances with protection.

Click HERE to explore different 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.

Have you ever been stuck in traffic without recourse to pass your time? Most of the Indian population has experienced the same due to the ever-increasing number of cars on roads, poor driving etiquette, and ill-maintained roads. In such situations, looking around often helps find temporary things of interest.

In such situations, even mundane things can catch your eye. Have you noticed that some vehicles have different coloured number plates? However, if you have wondered why some vehicles have other coloured number plates and their significance, read on.

Understanding the layout of number plates
In FY 2019, India had 295 million registered vehicles. With a CAGR of 10% between 2007 and 2019, it is safe to assume that the pace of growth of registration has sustained, if not grown. Legal mandates have made it compulsory to buy motor insurance online and getting a vehicle registration number even before your car hits the road. To adhere to the process, knowing the layout of number plates is essential.
● The first two letters indicate the Union Territory or State where the vehicle is registered
● The following two digits denote the district RTO's sequential number
● The next section of up to 2 digits or letters reflects the series of numbers presently being allotted
● The last four digits are your car's unique registration number

You can find IND lasered under the Ashok Chakra emblem on the left. Underneath the number is a unique pin code for the number plate. The text is usually in black or white, depending on the plate's colour. This is the general format commonly used until the introduction of the BH series number plates.

Different number plate types and their meaning

1. White
This is the most prevalent type of number plate. You will be allotted a white number plate if you purchase a car for personal commute purposes. The numbers are lasered in black.

2. Yellow
Another common number plate colour is yellow, with the registration number etched in black. This indicates a commercial vehicle that may transport goods or ferry passengers. The regular documents required to be carried by drivers include motor insurance papers, a driver's licence, and a PUC certificate. Additionally, commercial drivers must have a permit that states their eligibility to carry out the same.

3. Green
The emergence of green number plates is a sign of shifting toward sustainability. These are assigned to electric vehicles of all kinds- two-wheelers, cars, buses, etc. The registration number is etched in white on these number plates. Unlike the distinction mentioned above regarding purpose, all-electric vehicles have green number plates irrespective of use.

4. Black
A black number plate indicates a vehicle has been registered for rental. Drivers do not require a commercial driving licence for these rented commercial vehicles.

5. Blue
Blue number plates with white lettering are rarely seen. They are used to indicate vehicles that belong to a foreign embassy or consulate. These are reserved for foreign diplomats and have unique registration numbers. Instead of the state code shown in the first two letters, the diplomat's country is displayed.

6. Red
Red number plates are for vehicles owned by the President or Governors of India. These number plates have a gold emblem of India instead of a registration number.

Vehicle registration is a mandatory process in India. Before you purchase a new vehicle, knowing what type of number plate to apply for is ideal. You may research more to get deeper insights and understand the colour system. Also, buy motor insurance online to keep your car safe from accidents. A comprehensive motor insurance acts as a safety net to avoid venting your pockets if your car demands repair and replacements.

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.

India is a country that has forever favoured 2-wheelers. With their cost-effectiveness, fuel efficiency, and ease of handling, the Indian 2-wheeler market will only grow multifold in the coming years! While manufacturers constantly launch new models that solve existing concerns in response to consumer feedback, what's classic never goes out of fashion.

One such model which is gaining popularity is Retro motorcycles. They are coming back in trend again! Apart from being a status symbol, various reasons have resulted in the popularity of retro bikes. They have been the favourite of Indians for many generations. People love riding these as they are classy, elegant, and highly durable.

Motorcycle enthusiasts prefer these retro motorcycles as they are suitable for varied terrains and long rides due to their sturdiness and comfort. Their additional safety features offer benefits similar to no other bike. Coupled with comprehensive bike insurance, you have a safe mode of a personal commute!

Despite the glitz around these classic bikes, buying your first retro bike as a beginner can be overwhelming. If you're confused about the features you should consider before purchasing a retro motorcycle, here's a quick guide to ease the process.

1. Longevity
Classic retro bikes are incredibly durable. Their quality justifies the hefty amount spent on these bikes. The vintage designs are built to last for years without hassles. Think of them as an investment in the long run, as they are heavy-duty and usually last for decades. Having a classy retro bike doubles the appeal of your parking area.

2. The comfort
These bikes come with comfy seats, an upright handlebar position for a straight riding posture, and uncluttered controls or switches. You can easily get the functions right and go along your way. They also have a high torque level and offer a pleasurable riding experience.

3. Improved engine
Engine power is essential to the biking experience. One of the greatest USPs of these bikes is their improved engines and loud revving thunder. You should always see if the bike you opt for has the latest engine and a high capacity. Also, look for shock absorbers and a secure braking system for efficient high-speed control and easy driving.

4. Practicality
Do not compromise on everyday functionality for the sake of aesthetics. Robust construction, wide tyres, and better ground clearance are required for multi-terrain use. Before purchasing a retro bike, you should keep these things in mind for the best motorcycling experience.

5. Colour options
Retro motorcycles are renowned for their classic designs and vibrant colours. Although it is a minor factor, it can contribute a lot to your style statement. You can either get them in monotone or dual shades.

Classic and retro motorcycles are incredibly well-known in India and beyond. Everyone loves owning one for themselves. It is a status symbol and a matter of pride for all. They appear vintage yet attract the youth! Hence, buying the best and most durable motorcycle for you is recommended. You can buy bike insurance for added protection to complement the safety it offers. This can protect you against the cost of damages from an accident and help preserve the value of your highly-valued retro motorbike.

Click HERE to buy bike insurance to safeguard your retro motorcycle.

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.

Motorcycles are a highly preferred mode of transport in India. While they are easily accessible, there continues to be a majority of the population that has second thoughts before buying them. Shared bike services have recognised the gap and mushroomed in response to market needs.

These short-term rental providers help reduce transport expenses in urban cities.

Despite their affordability, safety is a priority that cannot be compromised with these commute alternatives. Purchasing bike insurance online for your rented bike is a necessity to protect yourself from the cost of accidents. Additionally, running a comprehensive inspection can serve as an adequate preventive measure.

Here is a quick list of components to check before riding a rented bike.

1. Sound tyres
The most obvious component to inspect is the tyres. A safe ride needs to have well-maintained tyres and wheels. A glance will provide enough basis for the wear and tear of both elements. Multiple puncture signs, debris stuck in the ridges, deflated tubes, and worn tread depths are common concerns regarding tyres. For the inner wheel, closely evaluate the spokes' positioning to ensure safety.

2. Sturdy bike chassis
The general frame of the bike must be sturdy. A thorough check of all its essential functions will eventually give you an idea of the usage and condition of the motorcycle. Before leaving the facility with a bike, ensure you have tested its component adherence. A firm shake of the motorcycle will help make this clear. Rattling sounds are a sign of caution to look out for. The older the vehicle, the greater the sounds and the higher the risk of accidents.

3. Working brakes
Brakes are the safety net that can prevent accidents when coupled with riding expertise. A bike with failed brakes is a disaster waiting to happen that you must avoid. Ensure that you test the brakes with high priority. You must check the pressure required to engage the lever and the effective pace of braking. While bike owners often overlook it, bike renters must ensure that the front and rear brakes function flawlessly.

4. Check for any fluid leaks
Bikes do not appear as complex machines but are made of various parts. Many of these components require fluids that lubricate the inner bearings to ensure proper functioning. Some fluids essential for running your vehicle are fuel, clutch, radiator coolant, brake fluid, etc. While you may not know the exact location of each part, a quick check around the bike will expose any leaks. Also, check that these fluids are topped up to ensure optimal functioning.

5. Stands
An assumed to be non-integral part of a two-wheeler are its stands. Check the condition of both- the centre and side stand to ensure the bike is stable when parked. A proper chassis check will reveal any slack in the springs' tension or structural issues with the stands.

6. Indicators, horns, and lights
For a safe riding experience, giving clear indications while on the road is essential. By providing clarity, riders can communicate their intent clearly and prevent accidents. For ensuring smooth communication, the horn and indicators are critical. Test the functioning of indicators, horns, and lights.

Additionally, ensure that your signal reaches other riders. The head, tail, and brake lights deliver your indication. If you see any issues, notify the service provider immediately.

While shared bikes are extremely convenient modes of transport, riders and bike owners must inspect their two-wheelers properly before taking them for a ride. It is their responsibility to prioritise safety and derive value for their money. Additionally, riders and bike owners must consider purchasing bike insurance online to protect themselves against the financial cost of accidents.

Click HERE to 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.

In a country like India, where rash driving is very common, you must be extra careful about your actions on the road. You need to be familiar with all the traffic rules and regulations. It is because you endanger yourself, your co-passengers, and even the pedestrians on the road while driving. Following traffic rules saves you from unwanted damage and getting penalised. You should also have bike insurance to secure your motorcycle and finances in a crisis.

Although bike insurance is a good investment, what does it cover? Suppose you meet with a small accident. Is it okay to file a claim for minor dents or scratches? We will answer them all for you in this article.

Is it worth it to claim insurance for bike scratches and minor dents?

Bike insurance claims can be tricky. If you are new to the world of insurance, you will find it challenging to decipher everything. You may face difficulties filing a claim for something that is rightfully yours.

Before you file a claim, you must keep a few things in mind. The first is the extent of the damage done to your vehicle. The second is the type of policy that you have purchased. It determines the level of damage it covers.

With a comprehensive policy, you can file a claim for damages that occurred to your bike. However, if you have third-party insurance, the scenario will be different. In the case of third-party insurance, you will not get the cost for all the damages done to your bike as it covers the damages to a third party's vehicle.

So, for your comprehensive motor insurance policy, access the damage done to your bike and the extent of it. If you believe that the damages are beyond regular repair, you can file an insurance claim. However, you should not file the claim if you think the dents and scratches are repairable and will cost you nominal. In such a case, you must save the insurance claim for a future crisis. It is always better to be on the safer side!

What are the advantages of not claiming insurance for minor dents?

There are many hidden benefits of not claiming bike insurance for minor damages to your bike, including

● Low premium:
It is known that the premium will increase significantly when you claim insurance. It can be bothering for you to pay the increased premium after that. To avoid this, you should not claim minor damages as it will keep your finances in control, and you will enjoy a low premium.

● Lack of claim bonus:
The No Claim Bonus feature in bike insurance offers discounts to policyholders when renewing the policy for not filing a claim during the policy period. The discount increases for the years if you do not raise a claim.

Understanding the basics of bike insurance, such as coverage, inclusions, and future implications is a fundamental requirement before deciding to claim bike insurance. It is usually never worth claiming for minor dents as it can be less fruitful in the long run. Do your due diligence before making major financial decisions, such as purchasing bike insurance, raising claims, etc. Wisely utilise insurance benefits to ensure the best compensation for the damages incurred.

Click HERE to buy the best bike 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.

The highway road accident rates in India are extremely concerning. Considering the majority of motorcyclists on roads makes this issue more serious. While 2 wheeler insurance online is an excellent safeguard, one must also consider active preventive actions. High-visibility clothing for motorcyclists is a game-changer. These specially designed clothing come in bright colours, making the rider stand out from the crowd even from a distance.

Motorcyclists may wear a half-jacket of colours, such as neon green or orange, with luminescent reflective strips on their torso. They may also wear a full jacket with reflective strips and cool design patterns.

High-visibility clothing is practical protective gear as one cannot miss the motorcyclist from a distance, and he becomes visible to others even in the dark.

Let us see the reasons why you should invest in high-visibility clothing.

1. Safety
Investing in high-visibility clothing increases your safety and may even save your life by preventing fatal accidents. Most bike accidents happen because the motorcyclist is not visible from a distance in the dark. Also, motorcyclists ride at high speeds on the highways, which makes them more susceptible to deadly accidents at sharp turns or on dark patches of the road.

High-visibility jackets have reflective patches, strips, or piping on shoulders and arms, which shines when the beaming headlight of vehicles coming from the front falls on it. This is extremely helpful when the streets are dark, making the rider visible and preventing untoward incidents.

2. Style
High-visibility clothing is not just important for the motorcyclist’s safety, but it looks cool and trendy as well. Bikers can make a style statement by investing in bright and fancy high-visibility clothing. Such clothes come in attractive colours. Some may contain intricate designing with the help of reflective patches, strips, or piping. This can make your jacket or vest look very stylish.

3. Ease of use
High-visibility clothing can come in several formats. The simplest and easiest clothing to use will be in the form of a vest. You just have to wear it over your shirt or t-shirt and take it off after you reach your destination. They are usually light and can be folded and packed easily.

4. Protection against harsh weather conditions
You can invest in high-visibility jackets that protect you from the harsh winter chill while riding. Such jackets can also be waterproof and protect you from the rain. Similarly, buy high-visibility gloves that protect your hands from the chilly weather and avoid direct impact on your hands during mishaps.

5. Durable
High-visibility clothing differs from the material you use to make your regular apparel. They can be made from polyester, spandex, retroreflective, and fluorescent-dyed materials. These materials are lightweight and stretchable, making them very comfortable for motorcyclists. They do not get spoiled or torn easily.

You should always invest in high-visibility clothing if you are a motorcycling enthusiast. They uplift your style quotient and act as information providers on the streets that you are approaching.

Apart from investing in high-visibility clothing, research for comprehensive 2 wheeler insurance online for your bike. It will protect you from financial suffering in theft, damage, or accident. Consider purchasing 2 wheeler insurance online in just a few clicks without visiting any insurance office.

Click HERE to buy 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.

The covid-19 pandemic put the whole world to a stop. Various global operations halted; people were panicking and clueless about the situation. And amidst all this, business suffered a huge loss until everything found a place, and there was some clarity which helped put a lot of functionalities back on track and slowly sped them up. To combat the widespread of the infection, organisations started offering their customers an option of "no contact deliveries" or "contactless services," which was a revolutionary step for the safety of their consumers.

Are you looking for information about any procedure that can be contactless and help you with your car insurance, for example, renewing it? It is essential to ensure that you update your car insurance policies on time to avoid extra penalties and avail of the full benefits without any hindrance.

In delayed renewals, it will be a tedious process to be able to claim and get the appropriate help and compensation from your designated insurance companies. So, it is vital to be mindful of your policies, your rights, the documents you might need, your premiums, and most importantly, the renewal dates of your insurance.

This blog will discuss the zero-contact process of buying and renewing car insurance.

1. What does the zero-contact process mean?

In the case of contactless insurance, you have a scope of purchasing the insurance without meeting any officials from the insurance company. The whole procedure involves digital methods for verification, details, and documentation through mobile apps, the website of the designated insurance organisation, video chat applications, etc.

2. What do you need to do as a consumer/potential customer?

You can compare and measure the benefits of various insurance policies from different companies, research the plans, the premiums, the coverage insurances provide, grace periods, renewals, add-on benefits, etc., before arriving at an informed decision and choosing the plan you want to purchase. And surprisingly, you can do all this from the comfort of your home, one of the significant advantages of contactless services. Thanks to technology!

3. How can you buy motor insurance online through the zero-contact process?

The online option will allow you to avail yourself of the zero-contact aspect of purchasing car insurance to protect your car against damages. You, as a customer, connect with the insurance personnel through virtual platforms. You may download the designated mobile application or go to the insurance company's website, choose the appropriate options, select the plan, upload the documents as per the instructions, and get them verified. For identity authorisation and verification, you might have to video chat with the official or to the developed chatbot, which will further provide instructions on how to proceed. You will have multiple options like UPI, net banking, cash, debit and credit cards, etc., to accomplish the payment process.

4. What are some benefits of contactless insurance?

You can avoid risks of covid-19 infections, online availability (24X7) in case of any queries and help, video calling options for a personalised touch, and zero commission services to avoid fraud or involvement of an untrustworthy third party. You also need to ensure the add-on benefits, get a customised insurance policy, set the desired Insured Declared Value (IDV), the zero-depreciation value, etc.

This was all about the zero-contact process to buy motor insurance online or renew an existing policy. We hope this information will help you understand the details of the zero contact procedure and why it is beneficial. You must keep the above-discussed pointers in mind and carefully consider them before choosing the policy. Also, avail the benefits and buy motor insurance online. This way, you not only ensure the safety of your car but also reduce the risk of infection by eliminating the physical visit to the insurance company or agent.

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.

Ever wondered why you don't feel jolted every time you apply the brakes on your car or take a sharp turn to the side? It's all thanks to the car bushes.

Car Bushings are cushions made up of rubber, polyurethane, neoprene, or other materials. They're mainly mounted on car suspensions and steering joints. Their primary responsibility is to ensure no abrasions in the metal suspension framework due to the contact between them. They also give the driver maximum comfort by mitigating road bumps and controlling the degree of movement in the joints.

The car bushings are mostly made of rubber. Typically, rubber bushes are structured in the form of a cylinder between the two parts of metal. This rubber is usually vulcanised rubber.

Car bushes are essential for the smooth functioning of your car. This blog sheds some light on car bushes and their need in a vehicle.

Applications of bushes:

• Improves safety and comfort: Car bushings support the mechanism to make the ride comfortable for the passengers in the car. They are crucial in positioning and aligning various suspension and steering components.

• Reduces damage caused by vibration: Repeated vibrations can cause abrasions to your vehicle's suspension system, which contributes to its weakening. Car bushing minimises this wear and tear, thus increasing the car's life

• Making the ride less noisy: The rubber used in bushes can reduce vibrations and thus reduce the need for lubrication. This makes maintenance easier and simultaneously makes the vehicle less noisy.

• Bushing provides a stress-free and long life to the vehicle: Like cartilage in a human body, bushings protect the joints and connected parts of the car from shocks to the car. This increases the longevity of the car and the lesser probability of your car facing damages.

Advantages of using Rubber bushes:

● Rubber is the most widely used material in car bushes. As rubber is a readily available substance, it is inexpensive and readily absorbs most noises and vibrations transmitted by various objects.

● One of the main advantages of using rubber bushes as cushioning in vehicles is that it's never a bad fit for a vehicle. They are suitable for all types of vehicles and can be used as cushions for engines and gearboxes.

Disadvantages of using rubber bushes:

● Although very widely used, rubber bushes come with certain limitations. They tend to deteriorate when exposed to heat, air, and especially oils. Over long periods, this exposure can result in the rubber material cracking and wearing away.

An alternative to rubber bushings is ones made out of neoprene. It looks like rubber but is a synthetic substance derived from polymerising chloroprene. It is much more robust than rubber and is better suited to bushings. Neoprene can withstand high temperatures without physical damage.

While extremely simple in design, car bushings play a vital role in suspension systems where vibrations are problematic. They are significant and should be replaced timely to avoid abrasions in your car's system.

We discussed how car bushes can help you control your car's braking. Their applications can assist you in the smooth handling of your car and avoid the risks of accidents. However, the maintenance and upkeep of these integral parts can be daunting sometimes. The solution to this is to buy new car insurance. Ideal car insurance provides several benefits to avoid spending hefty amounts on car maintenance. The new way of budgeting while ensuring security can be possible by making the right investment.

Click HERE to know more about how 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.

Unfortunate events are a constant risk that one must always be prepared for. While you may have an optimistic view of the future, the financial implications of a mishap are always too heavy to burden. Online general insurance is a financial product that comes in the clutch in such uncertainties to protect policyholders after paying a comparatively meagre premium. With the demand for insurance growing daily, the insurance sector constantly evolves to provide better services, more values, stringent regulations, and preventive mechanisms to tackle fraud.

Initially sold as a safety mechanism, online general insurance policies are now seen as more than they offer at face value. They are seen as investments, tax-saving opportunities, and more. However, some policyholders try to take advantage of loopholes in the policy wording to derive the most significant benefit by defrauding insurance companies by resorting to means like improper disclosure of facts, misrepresentation, etc.

With the recent wave of digitisation, the insurance regulatory authorities are setting their foot down and laying the framework for a transparent and non-conducive ecosystem for insurance fraud.

The issue.
Over the years, the insurance sector has seen an extreme change, from witnessing the risk-averse masses to offering facilitative services like online general insurance that are convenient for consumers with the benefits of additional features.

However, over time, the scope of the policies is being misinterpreted, leading policyholders to purchase multiple covers to increase their net insured sum payout. This has been noticed especially in the case of online general insurance, where various policies from multiple insurers are purchased to enhance the total payout.

The primary concern in such a situation is that each asset has a fixed value determined by careful expert assessment and evaluation. After risk evaluation, the premium, coverage extent, etc., are decided. Policyholders purchase multiple policies to override this constraint on the payout and often do not disclose the same to the existing insurer.

Another reason that caused the lack of complete data availability with insurers is the intense and duplicate paperwork. Customers used to skip several essential fields due to redundant questions and excessive effort.

The solution.
During times of heavy dependency on paperwork, it was difficult for insurers to identify such cases until the point of raising a claim. However, with technological advancements and the onset of the digital era, the insurance sector is not left behind in upgrading its ecosystem to tackle such concerns.

The account aggregator system, which is now applicable for all non-banking financial companies, data sharing concerning customers' investments and savings is set to transform the information availability for insurance providers.

The account aggregator system will make all relevant data available to authorised bodies electronically. The use of e-insurance accounts (e-IA) will only facilitate the process. While the e-IA, a digital portfolio of insurance policies held by an individual, is for the policyholder's benefit, the aggregator system makes all the necessary data accessible in a few simple clicks to prevent over-insurance, fact-check disclosures, and reduce paperwork.

The concerns.
Anywhere that data sharing takes place is seen as a significant concern due to the constant risk of data leaks, especially when dealing with such confidential information. However, the RBI has already announced and laid the foundation for an institution to take care of data collection and protection to assure policyholders and protect their interests.

As we progress technologically, we will be in a better position to respond to the dynamic demand across various sectors, of which insurance is one. Policyholders must take extra caution while evaluating and purchasing online general insurance policies to ensure their safety and comply with the relevant regulations.

Click HERE to buy online general 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.

Monsoons in India are the perfect season for wanderers to move out and explore places. With the slight drizzles and the perfect rainy-day playlist playing, it would be like a dream travel sequence come alive. And if you are a bike fanatic, you would agree that this weather is the perfect time to take your bike for a ride to get that much-needed break. Enjoy the valleys, the lush greens and the hills in the lap of nature, away from the chaotic hustle and bustle of the fast-paced city life.

Are you someone who lives around Mumbai or is planning to visit Maharashtra? If yes, we have curated the best places for you to make your road trip successful. This blog will discuss top destinations around Mumbai for a perfect bike trip in the monsoon. We have included all the details you need to check out and add that destination to your travel itinerary.

Whether travelling solo or with a companion, these locations will give you every opportunity you can grab to enjoy the rains and create memories for a lifetime. So, let’s get started!

1. Lonavala:

Lonavala has to be on our list and yours too. The forever obsession with the lush greens and the overall beauty of this place has not just mesmerised people in the state of Maharashtra but from every nook and corner of the country. You can take the old Mumbai-Pune highway to enjoy that bike ride you’ve been craving for.
And there is a list of beautiful places you can visit, starting with Korigad Fort, Rajmachi Fort (about fifteen kilometres from Lonavala), Tiger’s Leap, Lonavala Wax exhibition, Duke’s nose, Lohagad and much more! And, as Lonavala and Khandala are just five kilometres apart, you can head to Khandala and experience all the natural beauty of the valleys, waterfalls, etc., the place has to offer.

2. Mahabaleshwar:

The second most known and attractive destination in the Maharashtrian region is Mahabaleshwar. Being one of the longest driving routes near Mumbai, you can take your bike and let the wind do the talking. And if you are someone who always looks for a hint of adventure during their trips, then make sure to visit Panchgani (not very far from Mahabaleshwar) and grab the opportunity to experience paragliding.
Enjoy the surrounding views of the location wrapped in the foothills of nature from a height. The main attractions of Mahabaleshwar include strawberries and mulberries market, Three Monkey Point, Needle Hole Point, Wilson Sunrise Point, and much more.

3. Matheran:

The ride from Mumbai to Matheran is quite beautiful. Feel the calm and peace through your veins with a cold breeze against your skin. Unwind yourself while riding and feel energetic. As you reach Matheran, you will notice the absence of automobiles as the hill station is an automobile-free zone.
But don’t worry, you will have a lot of hand-pulled or horse-pulled rickshaws to take you around this marvellous and endowed with scenic locations which offer you the views of a lifetime. You can also plan to go on a trek to Matheran and have quality time with yourself or your company in the middle of the large trees and hills. The main attractions of this location include One Tree Hill Point, Louisa Point, Porcupine Point, Panorama Point, etc.

Other destinations making it to this list include Malshej Ghat, Durshet, Sula Vineyards, Pelhar Dam, Igatpuri and Alibaug. Remember that your bike is well serviced and has valid insurance to have a comfortable and memorable bike trip. Make sure to fit these important aspects into your travel schedule. While we are already talking about bike trips, purchasing the best two-wheeler insurance in India is a wise option to ensure your bike is safeguarded against all unforeseeable circumstances. The monsoon is here! Get your gear, pack your bags, and push the pedal towards serenity.

Click HERE to know more about the benefits of purchasing the best two wheeler insurance 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.

Renting a house is a time taking process. If not handled correctly, it can become a significant headache. Tenant misuse of the property or refusal to leave, late rent and maintenance fee payments, and hunting for new tenants are some issues you may encounter when renting out your home. As a precaution, homeowners may get landlord insurance, specialised home insurance to protect themselves against potential financial losses that may arise from tenancy contracts.

You can safeguard yourself, your rental business, and property as a landlord by being aware of your rights and responsibilities under the law.

1. Written agreement:
For the law to protect the interests of both tenants and owners, a written agreement is crucial to facilitate a smooth transaction. The agreement must be written up in legalese and signed by both parties. The copies are given to the tenant, and the owner retains the original. Tenants shall be compelled to pay rent once the owner delivers a copy of this agreement to tenants.

2. No discrimination:
Ensure you adhere to the Rent Control Act while marketing your property, selecting new tenants, or setting apartment rules. Any acts or policies must be fair to everyone and cannot be perceived as marginalising certain people but not others.

3. A tenant's eviction:
A landlord can only evict a tenant by providing advance notice and a clear explanation. Typically, the notice period lasts between 15 days and two months. The landlord is entitled to receive equal to twice the monthly rent if the tenants do not leave the property within the allotted time.

4. Access to landlord:
Once the lease is signed, the apartment becomes the tenant's property, and the landowner is prohibited from entering without their consent. The tenant may file a lawsuit against the landlord if he does this. He must give advance notice regarding apartment inspections, repairs, or improvements.

5. Property's maintenance:
Apart from normal wear and tear, unless the agreement states otherwise, the upkeep of the property is the joint responsibility of both parties. If the owner refuses to pay for the repairs, the amount can be withdrawn from the periodic rent. If the tenants refuse to pay for the repairs, the amount can be subtracted from their security deposit.

6. Restriction on rent increases:
In violation of the contract's provisions, the landlord cannot raise the rent. If it is specified in the agreement, there is a cap on how much he can raise the rent.

7. Necessary supplies:
Tenants have a fundamental right to amenities such as water, power, parking, communication links, sanitary services, etc. Even in the event of non-payment of fees, neither the renters nor the owners may stop providing these services. The local rent authority may step in, launch an investigation, impose penalties on the parties involved, and compensate others.

8. Security deposit:
Tenants are entitled to their security deposit reimbursement within one month of vacating the property. Before reimbursing the money, owners can subtract the responsible amount. A security deposit exceeding three times the rent cost is illegal to demand.

9. Payable rent:
The landowner and the tenant must agree on the amount of rent due as specified in the written lease agreement in the case of a new tenancy. The landlord must provide the tenants with three months' notice if the rent is about to change. The overall worth of the building, which includes the market value of some of the land, the cost of construction, and the importance of amenities, is typically used to calculate the chargeable rent.

Sometimes, the landlord and tenant have a verbal understanding, but it's preferable to document everything. A formal agreement must contain all the specifics so that both parties know their legal obligations. If the tenant under your lease agreement fails, your home insurance for landlords will cover the loss of rent. Always review the prevailing regulations and consult a lawyer knowledgeable in landlord-tenant legislation.

Click HERE to buy the best home 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.

Have you ever been riding your motorcycle in the crisp morning air, enjoying the cool wind on your face, and had a bug smack you right in the face? Although it makes for some good comic relief, it is one of the most annoying experiences a rider can have. The solution? Motorcycle windshields. A windshield is installed to deflect the wind from hitting your body while enjoying riding at high speeds. It also helps by providing the rider with a better aerodynamic outline than the body.

This blog gives you a better insight into motorcycle windshields so you can decide if it is a worthy addition to your motorbike.

Pros: 1. Wind protection

Motorcycle windshields help protect you from the wind blast to your face and chest. Mitigating the wind force against your face and chest helps combat back, arm, and neck pain. Less pressure on your body will result in a comfortable ride. If you're planning to ride your bike for more than a few hours, this tool will pay great dividends by the end of the day.
The windshield will divert hot and humid air in the summer and chilled and wet air in the winter. Although it cannot substitute for a good few layers of clothes, it also reduces wind chill when speeding down a highway. Similarly, windshields protect you in hot, dry weather as well. When driving down the roads at high speeds, your sweat dries up faster, resulting in dehydration. Dehydration can cause serious health issues and can put a damper on your driving experience.

2. Better aerodynamics

The stability of the bike decreases when there is drag in the air. When cruising down roads at high speeds, the body creates a fair amount of drag. Fortunately, one of the benefits of having a windshield on your motorcycle is that it makes a better aerodynamic outline than the body, resulting in less drag.

3. Less fatigue

The reduction of wind blasting helps reduce fatigue over long distances. Keeping your posture upright while the wind pushes into you seems like effortless work over short distances, but over long periods, it might be the reason you feel burnt out.

4. Debris protection

Debris gets kicked up by passing vehicles all the time. Your motorcycle windshield can protect you from this and make the ride much more comfortable.

5. Reduce wind noise

The sound made by the engine usually enhances the experience of riding a motorbike for bike enthusiasts. The purring of the machine is generally deafened by the wind noise at high speeds, which diminishes this experience. Motorcycle windshields can solve this problem of wind noise.

Cons:

The biggest and possibly the only downside to a windshield is its uncool and dorky look. A windshield makes a bike look less sporty, and many people find that very frustrating. Also, who wants to see their bike's dirty, scratched-up windshield?

Another con might be reduced visibility right in front of the motorcycle due to the windshield being tinted or dirty. This is a huge distraction and can cause accidents. The pros overwhelmingly outweigh the cons of installing a windshield. Especially in harsh weather conditions, these can be a lifesaver and can pay great dividends for a small investment.

The pros overwhelmingly outweigh the cons of installing a windshield. Especially in harsh weather conditions, these can be a lifesaver and can pay great dividends for a small investment. As we talk about investment, there's one more investment that you need to consider as a bike owner. Purchase reliable bike insurance to add an additional safety net to your two-wheeled friend. Consider buying 2 wheeler insurance online and save time and money in return for value-added benefits.

Click HERE to know more about buying 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.

Technology has constantly been evolving and has been instrumental in all the big and small changes happening in the world. While there is a constant debate as to whether technology is a boon or a bane, it cannot be denied that our lives have been made easier by the many technological advancements made by humans. In today's age, everything is data-driven.

Starting from your date of birth to the last place you swiped your credit card is monitored and constantly fed to databases. Owing to the ever-growing gap between consumers' need to work and the ease with which they can achieve it, technology has taken centre stage and paved the path for accessible, hassle-free experiences. One such area is motor insurance. The rise of new technology has made its way into the world of insurance and is revolutionising services and interaction.

This article will discuss the emerging technology trends to change the motor insurance world.

1. Artificial intelligence:

The words artificial intelligence or AI are casually thrown around in everyday conversation. What is AI, and how is it changing motor insurance? In layman's terms, AI is the intelligence used by machines to undertake human-like tasks faster and more efficiently.
With the intervention of AI, insurers can meet the consumer's needs more quickly. AI is capable of finding unique tailor-made solutions to suit all your insurance needs. Insurers can access reports and data faster, thus speeding up the whole process.

2. Machine Learning:

The building blocks for artificial intelligence, machine learning is responsible for accessing, analysing, and modelling large chunks of data. A single run on these machine learning models can give a detailed analysis of every aspect of a person's life, given they have the data— pre-programmed algorithms to improve processing speed and yield accurate results. With machine learning, queries and identification can be made faster and effortlessly.

3. Internet of Things (IoT):

The concept of data privacy is lost on many people. People willingly give extra information if it means they can cut the prices. An extension of machine learning models and artificial intelligence concepts, IoT can process large amounts of data and automate the sharing process. IoT can also aid in risk assessment and mitigation to directly manipulate the new car insurance rates and the annual premium.

4. Chatbots:

Chatbots give you a human-like experience. With chatbots being used to their maximum potential, many insurance-related queries and doubts will be handled using these advanced bots.
Chatbots can efficiently communicate with customers; if they cannot solve a query, it will be forwarded to the person in charge. This helps everyone stay in the loop while not wasting time and resources. This produces fast and effective outcomes while assuring great on-the-go customer support.

5. Insurtech:

Insurance and technology together make insurance companies. They use the latest technologies to mitigate the insurance cost for customers and insurers. All the technologies mentioned earlier by insurance companies can revolutionise customer relationship management. They can use such tools to develop products that can help risk management and mitigation.

These were just a few of the many new technology trends that will take the world by storm. The rapid resurgence of technology can be scary and intimidating. Trusting technology-driven solutions might take some time for the common people, but the important thing to understand here is that technology can be a great friend if used correctly.

In the future, technology can assure surprising advancements in the insurance industry, which may promise new car insurance rates that will sit right in your budget while giving you the best covers and add-ons.

Click HERE to check out the new car insurance rates in the market.

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 vehicle is a dream for many. In recent times, a vehicle has become a necessity. Be it a quick run to the nearby grocery store or taking road trips during the weekend, automobiles have become the new favourite investment for most people. Since the prices of cars and bikes are increasing daily, potential buyers are forced to have a second thought. While some people opt for loans or EMIs to pay for their motor vehicles, others prefer using second-hand cars.

In India, it is illegal to drive around without motor insurance. As a second-hand vehicle owner, transferring the insurance and understanding the nuances of the same can be challenging and intimidating. This article is here to help you understand the process better so that you can drive around worry-free.

Why is it essential to transfer the insurance policy from the previous owner to the current owner?

If the insurance ownership is not transferred to the new owner, then according to the law, the new owner can be charged legally. Not only that, if the vehicle were involved in an accident without having the name on the policy papers, the new owner would not be able to make any insurance claims. Without the insurance cover, the owner will be liable for all financial costs arising from an accident.

Let's look at the steps involved in transferring insurance ownership from one owner to another:

1. The vehicle's former owner must write an application to the RTO upon selling the bike.

2. Fill out a form at the RTO and submit RC, emission certificate, insurance papers, and fitness certificate.

3. Do not forget to carry valid IDs and passport-size photographs of the applicant.

4. The applicant must submit forms 28 (No objection certificate) and 29 (states the selling and purchasing of the vehicle between two parties) to the RTO.

If the buyer and the seller live in the same state, then report the transfer of ownership to the RTO within two weeks of buying the vehicle. The report must be made within forty-five days if both parties do not reside in the same state.

If selling an old vehicle, the seller must provide all details about the buyer and the bike to the motor insurance provider so that they can stay informed and updated.

After you visit the RTO where your bike is registered, you will need to submit a few forms along with the insurance papers and other required documents. The insurance provider might check the vehicle to ensure if it is in working condition and issue a fitness certificate. After submitting all the files, the RTO will verify and transfer the insurance to the new owner.

What are the benefits of insurance transfer?

1. If the new owner causes an accident, they cannot hold the seller accountable as the insurance papers are in the name of the new owner. This way, you can evade litigation and accountability for the damages caused.

2. NCB: If you have not claimed your vehicle's insurance before the transfer of ownership, then you are qualified for a No claim bonus. During the insurance transfer, you can collect a certificate of eligibility for NCB that can be applied to your following policy.

These were a comprehensive list of all things to remember while undertaking insurance transfers. As mentioned above, the seller and buyer can reap benefits from an insurance transfer. Do not forget to initiate the transfer as soon as possible to avoid legal hassles and financial obligations.

Remember to check out other benefits of policy transfer with your motor insurance provider and ask if there are options for add-ons to the existing policy. This will help you safeguard your vehicle as per your needs.

Click HERE to find out more about 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.

Your car's aesthetics are important to public perception of its value. The first thing that everyone notices about a vehicle is its glossy, shining exterior. For an asset that doubles as a symbol of wealth, it is essential to check car insurance price in India to protect your vehicle against accidents and ensure the upkeep of its exterior appeal.

We all wish to protect our car's fresh paint job at any cost. Most of us believe that dents are the primary cause that ruins them. However, it is not so. Let us look at the factors other than dents that can ruin your car's fresh paint job.

1. Dust:
Dust is a major enemy of your car's fresh paint job. It may contain high iron that causes rusty discolouration and corrosion to the car's paint. Do not rub the dust settled on your car body with your hands or a dry cloth. It may damage the paint and cause scratches. Always wash off the dust with water and soap, and get your car paint waxed to protect it from external damage.

2. Fuel spills:
Often, fuel spills on the car paint while refuelling the car at a petrol pump. This causes permanent damage to its paint. The damage is usually more when the painted panel is not from the factory and has been repainted. Avoid filling your car tank to the brim, so fuel does not drip out. Even if it does, immediately clean it with a soft cloth, so it does not form a permanent stain around your fuel inlet and damage your car paint.

3. Stickers:
Big attractive stickers are available in the market to make your car look fancy and trendy from the sides, front bonnet, or rear. But have you wondered how they will impact your car paint when you remove them? Do not put stickers on your car's exterior, especially if it has returned from a fresh paint job. They have strong adhesives on them and will ruin your car's paint when taken off forcefully. Worse, they may start peeling off by themselves in bits and parts and make your car exterior look ugly.

4. Car covers:
Car covers are made to protect your car's exterior and paint, right? Surprisingly, even they can damage your car's fresh paint job. Car covers made of thick fabric or non-breathable material trap moisture inside them. They can cause rust formation from oxidation in the long run and damage your car's body and paint. Also, a car cover made of thick fabric can cause scratches and ruin your car's new paint job after coming in contact with the dust on your car's exterior.

5. Excessive sun:
Exposure to too much sun also ruins your car's fresh paint job. Excess sun exposure deteriorates the paint quality and starts fading and cracking after a while.

6. Tree branches and road debris:
If you park your car under a tree regularly, broken twigs and branches might damage your paint job. They can cause unwanted scratches and cause the paint to crack too. Road debris can have a similar effect on your car's paint. If you regularly drive through broken roads full of rubble and potholes, there is a high chance that they will clash against the sides of your car and ruin the paint.

Besides protecting your car's paint from external damages, buy car insurance that will provide financial assistance in case of accidents, damages, malfunctioning, or theft. Evaluate car insurance price in India from various companies, and choose the policy that provides you with the best protection at the most reasonable prices.

Click HERE to check car insurance price 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.

Car insurance costs can vary significantly depending on various factors. The total price you give at the beginning of policy renewal is the cost of the car insurance. In this article, we will look at a few factors responsible for the total cost of your car insurance.

1. The model of the vehicle can significantly determine the cost of your insurance. The more the market value of the car, the more will be the insurance cost. If your vehicle has good engine capacity, advanced technology, and electronic features, the overall cost of your insurance will be higher.

2. The geographical location is a lesser considered factor when it comes to car insurance. If your location is the face of extreme weather conditions such as rains and cyclones, then it is likely that the costs will increase. These are not just limited to natural calamities. Human-made disasters like riots and vandalism also fall into this category. Areas prone to riots and destruction can lead to heightened insurance costs.

3. Driving records are one of the most crucial factors that decide the cost of your premium. If you have a clean track record with no accidents or speeding tickets, then it is highly likely that your insurance costs will reduce. If it is proven that you are a responsible driver, then it automatically translates to lesser chances of accidents and danger. On the other hand, even if you have one ticket or one accident under your belt, the insurance costs can drastically change.

4. Suppose you have never raised a claim or are eligible for a no-claim bonus when you sign up for your online motor insurance renewal. In that case, insurance companies will provide you with a hefty discount on the insurance costs. If no claims have been made so far in your tenure, it proves that you are a responsible driver and a car owner. All these are extra points that the insurance companies consider while calculating the final cost.

5. If you have opted for voluntary deductibles, then the overall cost of the insurance falls automatically. However, this will not be possible if you take third-party insurance. Ensuring that you as an owner will pay a pre-determined amount in case of accidents and damages is a sign of assurance that you will not partake in malpractice to take unlawful benefits of the insurance system. Due to this, insurance companies will provide you with a low-cost insurance policy.

6. Digital insurance is the new policy in the market. With everything digitised, companies can cut costs on operations. Hence, they can offer better policies at lower price points. Consider opting for an online motor insurance renewal to understand digital insurance better. You will get a perfect walkthrough of the online procedures.

7. The type of fuel that you use in your vehicles can also determine the cost of car insurance. If your vehicle runs on CNG or diesel, then the cost of insurance will be more than that of cars running on petrol. Not only that, but the mileage also decides the overall cost of your insurance. These factors contribute to the overall IDV or the insured declared value. The higher the IDV, the more the cost of car insurance.

These are some of the factors that affect the cost of the car. Remember that proper maintenance and aftercare will help your vehicle run smoothly for an extended period. You must provide timely maintenance and servicing to keep your car working correctly and efficiently. Add more value to your vehicle by investing in good car insurance offers available in India. If your car insurance is about to expire, let this article remind you to opt for online motor insurance renewal for a contactless and hassle-free experience.

Click HERE to find out more about 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.

How often have you forgotten your spectacles at home and had difficulty recognising people's faces from a distance? These are some of the widespread yet frustrating problems people face with glasses. One of the most convenient and revolutionary technologies for solving this problem is laser eye surgery, popularly known as LASIK surgery.

With about a quarter of the world facing vision problems, it's not surprising that laser eye surgery is becoming increasingly popular. This blog aims to give you an insight into this technology and how it is revolutionising the world.

The need for LASIK:

When we look at a particular object, light from that object enters the eye and passes through the natural lens of the eye. This natural lens is responsible for correctly refracting the light to hit the retina. The eye's retina is responsible for focusing all the light and sending signals to the brain to help us interpret what we're seeing.

When light does not focus upon the retina correctly, vision can get blurry. This might be because the cornea isn't curved perfectly, or it can be because the eye lens present in our eye is slightly longer or shorter.

This refractive procedure is usually done to correct one of the following three vision problems: Myopia, Hypermetropia, and Astigmatism.

How does LASIK work?

Laser surgery is a procedure where the patient's cornea is reshaped by using an evolved cutting laser technology to help it refract the light to provide clear vision. Corneal reshaping is done by mapping the entire cornea precisely and then using this to plan the surgery accurately.

Pros:

1. Quick and safe – The most inviting aspect of this procedure is that it is a short one. LASIK takes only 10 minutes to mitigate your vision problems for each eye, so 20 minutes total to have perfect vision. It is also a very safe procedure, with 98 percent of people satisfied with the surgery's results.

2. Painless procedure – This procedure is entirely painless due to the eye drops your surgeon will apply at the beginning of the operation. Moreover, there is minimum post-operative pain, with no stitches or bandages required after LASIK.

3. Fixed cost – While the procedure is cumbersome on the wallet, it is a one-time investment. Glasses and contact lenses are cheaper than surgery, but they are building expenses with the cost of regular eye check-ups, lenses, and frames. However, there's a good chance LASIK is not covered by your insurance. Research online health insurance to find one that does.

4. Enjoy your favourite sports without fear – For many people, this surgery is not an option but a lifesaver. Whether you want to enlist in the police, army or play contact sports where wearing glasses is not an option, LASIK is the knight in shining armour if you don't want the hassle of carrying your lenses and lens cleaning solution everywhere.

Cons:

While this procedure has numerous advantages, there are some drawbacks too. You need to take several things into consideration before taking this big step. It is a huge investment and might burn a hole in your pocket if you're not ready. Like any other surgery, there are risks and side effects involved. Some side effects include dry eyes, a halo effect with bright light, and poor night vision. Consult your eye specialist before making any decision.

Although laser eye surgery is relatively quick and painless, you must take proper precautions. Avoid using any eye makeup or lotions around the eye for about three days before the surgery. Also, make sure to arrange a ride back home because you might not be able to drive right after the surgery due to blurred vision and the sedative. As most insurance plans might not cover the cost of laser eye surgery, it is best to research online health insurance to understand the terms.

Click HERE to know more about online health insurance.

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

We all have experienced planning a vacation with our family or friends, checking the travel fares and hotel rates, and making a budget for our trip. However, a harsh shock awaits us when we try to book the flight, train, or hotel room close to our departure date. Last-minute bookings cost us extra, and we may not even get our preferred travel and stay options.

Last-minute holiday planning is almost always upsetting. Here, it would help if you also acknowledged the pinch of delaying purchasing personal accident insurance online only after the occurrence of a mishap.

Read on to know more about the benefits of budgeting for your travel plans in advance:

1. Soaring rates:
Airlines hike their flight rates closer to departure dates. Nowadays, train ticket rates are also priced on a flexi-fare system and get pricier as the travel date comes closer. Hotels also increase their tariff when demand rises. Therefore, the later you book, the higher you will have to pay for the same room.

2. Great deals and discounts:
Travel companies and websites offer great deals and discounts for early travel bookings. You get discounts on travel services, accommodation, rental cars, etc. Additionally, keep track of special deals and discounts that travel websites occasionally provide during festivals, special occasions, or off-season periods. Some companies also offer extra discounts for paying through a specific credit or debit card.

3. Planning for expenditure:
Budgeting your travel plans in advance can also help you save for your dream trip and be ready for it when you plan to go. Prepare a list of all the possible expenditures you may incur during travel. Make the possible reservations in advance so your travel expenditure is split up in parts and does not burden you in one go.
Proper budgeting of your expenditure will take away the stress from the process. You can streamline your payment and start saving more for your trip. You will not feel the burden of your travel expenses when you eventually go and will enjoy your trip with a free mind.

4. Extra time for research:
Every holiday destination has many options concerning the places to visit, travel modes, accommodation, sightseeing, etc. When you plan your trip in advance, you can thoroughly research the possible activities you can do there and find out the best rates for them.

5. Holiday rush:
Rates for travel, accommodation and other allied services shoot up during peak season and may pinch you hard. Make your travel plan well in advance and get confirmed reservations, along with saving a lot of your hard-earned money.

Travelling is a shared passion amongst a majority across the globe. However, it is by no means an inexpensive hobby to engage in. Always budget your travel plans in advance and prevent feeling a pinch in your wallet.

Similarly, Never compromise your safety behind the fun of going on a trip. With personal accident insurance online, you can avoid incurring financial upsets when you meet with an accident. Accidents don’t come announced and can cause heavy financial damage in the long run. Browse several personal accident insurance online, evaluate their pros and cons, and choose the most comprehensive coverage policy. Take all the necessary precautions and ensure that you have a safe holiday.

Click HERE to buy personal accident 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.

Managing one's finances and accumulating wealth are essential activities that one must learn right from childhood. However, since most parents do not talk much about finances with their children, young adults grow up without knowing much about critical financial decisions like how to buy general insurance online, investing fundamentals, savings, etc.

Investing is an ideal way to grow one's wealth. The drastic price dip and sheer boredom during the pandemic introduced new investors into the stock market. However, you should avoid those rookie mistakes that most investors make with their money. This blog presents some common financial blunders you should consider before investing.

1. Constantly consuming media about the market:
It is very tempting to watch news channels that offer trading advice 24*7. These channels give what seems like certain information, but it is not advisable to take advice straight from them as they have no idea about your financial situation. Additionally, when this information has been made public, it has already been factored into market pricing, and listening to them becomes futile. Seasoned experts in the market take their information from several independent sources and then derive their conclusions.

2. Being unclear about your investment goals:
Make sure you are clear about the direction of your investing journey. After having a separate savings account that serves as your backup in case something goes wrong, the rest of the money is safe to invest. A common mistake most individuals make when investing is to expect high returns as the end goal. While making money is important, you should balance it with the amount of risk you're willing to take, and that should be determined by looking over your other financial goals.

3. Too high expectations and a lack of patience:
Investments can be of two kinds, short and long-term investments. While short-term investments provide greater returns, they are riskier. Give long-term investments adequate time to maximise your returns. Bailing out before an asset has matured because of fear is one of the most common mistakes you should avoid.

4. Inadequate diversification:
Don't put all your eggs in one basket, even if it seems like the safest basket in the world. Often, investors make the mistake of putting all their money into one investment they believe will be secure for quick returns. This may be disastrous if the market moves another way. Diversify your portfolio to get consistent returns. Ensure you diligently research various asset classes and associated risk levels to identify the best returns at your risk appetite.

5. Letting emotions get in the way of your investments:
Too often, investors will fall in love with a particular company due to its value proposition or its past performance. However, it is essential to understand that the stock is only here to make you money. So, when the company's fundamentals no longer align with your interests, consider selling the stock.
Fear and greed are the greatest adversaries of an investor. They should not come in the way of your financial decisions. Market returns vary significantly in the short term but are generally predictable in the long run. To be more tension free, buy general insurance online after adequate research.

Investing sooner than later is one of the best decisions you can make. This gives you time to learn how the market functions. Most people fail to enter the stock market because they believe they don't possess the basic knowledge it requires. But this is a skill learned on the job. Start by investing significantly less money and increase it as your confidence increases. Happy investing!

Click HERE to buy general 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.

Owning a car entails a considerable amount of responsibilities. You must take care of it adequately to maintain its functionality for long periods. Before you start driving, you must know how to keep it properly and prevent any breakdown. From knowing how to drive to changing your wheel if it gets punctured to checking all the fluid levels, there's plenty to learn and explore.

Additionally, you may also require expertise in jump-starting your car. Jump-starting your car is a viable alternative to starting your vehicle when using a key doesn't do the trick. You must know how the battery functions and why and when you should jump-start. If you do not learn the basics, you can cause severe damage to the car.

There may be several instances when you may presume the need to jump-start. However, to avoid damage, you must know when your vehicle needs a jump start and when it does not. This way, you can deal with your car better and more efficiently. Regardless, you should always buy the best car insurance in India to protect your vehicle against all damages.

This article will list all the possible reasons your car needs a jump start. They are –

1. Low battery:
Being low on battery is one of the biggest reasons for jump-starting your car. You'll probably need to jump-start your car if you have a low or dead battery. It is because your car would not start on its own. This may also arise if the battery needs to be heated up more. You'll experience this more often during cold weather. Batteries can give up due to old age as well.

2. Malfunction of starter:
If there is no problem with your battery, we move on to the starter. The starter may be dysfunctional. It can either be contaminated or extremely old. It can also malfunction due to corrosion. The best way is to check for weird noise that the starter might make. Often even jump starting does not ignite the car's engine if the starter is broken.

3. Bad spark plugs:
The ignition system has a built-in system of intricate parts that keeps it going. If one of them malfunctions, the car may not start. Apart from the starter, the spark plug is also included in the ignition system. It can malfunction due to clogging or contamination due to oil leaks. This can prevent the car from starting, and it may most certainly need a jump start.

4. Clogged or contaminated fuel lines:
Sometimes the problem is not with the ignition system or even the battery. In such a case, the problem lies in the fuel lines. If they are frozen or clogged, the fuel may not rush smoothly to the engine. This can disrupt the smooth start of the vehicle. It can be solved by jump-starting, but it will start creating problems again. Your car may stop in the middle of the road if it is not resolved soon. Jump-starting is not the permanent solution here.

Jump-starting a car is a practical way to rescue you from an emergency and help you reach the service centre or garage. However, it is not a permanent solution to fix the delay in running your vehicle. If you wish to have a smooth experience with your car, practise the preventive maintenance tips provided by the manufacturer.

Additionally, you must purchase the best car insurance in India that offers comprehensive protection against all maintenance and accident-allied costs. Car insurance can benefit you when your car demands high repair costs or, in the worst case, a total loss due to extensive damage.

Click HERE to buy the best car 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.

The feeling of riding a motorcycle in the morning is otherworldly. But it's not only the early morning atmosphere that gives this ethereal feeling to the rider. It's also the smooth functioning of the engine and the swift and excellent acceleration of the motorbike in the morning. Many people experience this but do not pay much heed to why this happens.

This blog aims to make this phenomenon more understandable for curious bike fanatics.

1. Reduced friction:

The smooth ride that the engine provides in the morning and the minimum noise directly result from the engine's internal temperature. However, other parts of the engine maintain their temperature even when kept at rest throughout the night. Due to the thermal expansion of metals, there needs to be a proper gap between various working parts of the engine.
For example, to permit the expansion of the piston, there is a gap within the block of the engine. There is less friction, resulting in less noise in the morning due to this gap between the piston and the cylinder wall in the morning. This occurrence applies to almost every moving part of the engine.

2. Viscosity:

Another reason the engine feels smooth in the morning is the oil's viscosity. Viscosity is inversely proportional to temperature. In the early morning, the engine oil is cold, making it denser in volume. This higher viscosity accounts for maximum lubrication in the engine, which results in the smooth running of the bike.

3. Fuel management systems:

As far as better crisp acceleration in the morning is concerned, the fuel management system of the bike is the most responsible. The bike's fueling is divided into two- either fuel and air can be mixed proportionally by a carburettor, or the fuel is atomised at high pressure, mixed with clean air, eventually entering the engine's combustion chamber.
Carburettors give you a crisper throttle response due to the richer mixture between fuel and air. But nowadays, these are slowly being phased out due to the increasing pollution by carburettors.

So, do you really need to warm the bike up before starting it? This is another question that greatly puzzles bike enthusiasts.

There's no real need to warm up an engine for more than a minute before starting it. For a long time, all bikes used a carburettor for combustion. This type of engine tends to run poorly until appropriately warmed.

So, there is still a misconception that you must let the engine warm up before you start riding it. But it would be best if you were careful about hammering the throttle before the engine has gotten all nice and warm.

Riding a motorcycle gently for the first few miles is a good idea because putting the engine under extreme pressure while still cold increases the chances of damage and breakdown.

This damage is dangerous and can result in the maintenance fees burning a hole in your pocket. The best solution to counter this is investing in a good bike insurance that pays great dividends.

Click HERE to know more about 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.

Driving is an activity that requires extreme carefulness, responsibility, and special attention at all times. One tiny mistake can lead to significant damage to a person and property. Road accidents are frightening and can even prove to be fatal. Hence, being on your best behaviour when driving is recommended.

However, accidents while driving can take place due to a variety of reasons. One of them is the disturbance from your outer surroundings. This can also include the distractions that your passenger may create. It may induce driving concerns and cause road accidents or violations of road safety rules.

Apart from the driver, the passengers must also be highly responsible and dutiful while the car is in motion. They can play an essential role in maintaining peace inside the vehicle. If you're a co-passenger and want to contribute to the vehicle's safety, here are a few ways. Regardless, you should have private car insurance in India to protect yourself and your vehicle.

Let's discuss here how you can support your driver by being a responsible co-passenger.

1. Be attentive:
If your driver is getting distracted by texting or calling on the phone, call them out on their behaviour. It can be dangerous even if they talk with the passengers in the back seat. You must stay attentive to such situations and speak up whenever necessary. Politely request them to focus on the road.

2. Don't draw attention:
You can help your driver focus by not distracting them by any means. You should not talk to them unnecessarily or argue with them in the car. Emotional responses can distract the driver. Moreover, you should refrain from clicking pictures or showing them things on your cell phone. You should lay low and avoid all these activities.

3. Be careful of your surroundings:
You can easily be the co-driver for your driver by being extra cautious on the road. You can help them navigate busy streets by being their additional set of eyes. You can also help them read road signs, point out intersections, or alert them about possible hindrances they may fail to see.

4. Put on good music:
Good music can make the atmosphere inside your vehicle cheerful, serene, and lively. It can calm the nerves of your driver and help them focus better on the road. You should take control of the music in the car. You can put some of the driver's favourite tracks in a playlist on shuffle. This way, they need not constantly touch or operate the music system.

5. Keep quiet:
Small talk with the driver is alright, but you should refrain from having a full-fledged conversation that can distract the driver. You should not shout, yell, or sing loudly in the car. All these can make your driver lose focus completely. You should pause the music or stop talking when a congested road is approaching.

6. Stay out of sight:
You need to lay low and stop obstructing the view of your driver while driving. You should not physically block the driver from seeing the road well. They should also be able to see outside the windows. Apart from that, you should always be an adjusting and supportive co-passenger.

These are just some tips and tricks that you can use to be a good passenger inside the vehicle. It can lead to lesser accidents and mistakes on the road. A car journey becomes enjoyable and safe when the driver and co-passengers have a good understanding and coordination. The more focused the driver is, the better. Don't forget to buy private car insurance India and safeguard your finances against loss due to accidental damages to your car.

Click HERE to buy private car insurance India.

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

Driving a car without insurance is considered illegal in India. Automobile owners weigh the pros and cons of different options available in the policy market. Before buying car insurance, people consider various factors such as covers, add-ons, services, premiums, etc. In this article, we will be talking about premiums and how they can vary depending upon the kind and size of your car.

What is a premium?

A premium is an amount you pay your insurer to keep your policy valid. The duration of payment can vary from monthly to quarterly to annual payments.

What factors affect the premium?

1. Model and make of your vehicle
2. Engine capacity
3. The driving experience of the policyholder
4. Age
5. Location

Besides the points mentioned above, previous claims and traffic violations can also affect your insurance premium.

We better understand what premium is and how they can be affected. Let's look at premiums for SUVs and sedans.

1. The make and model:

Car insurance can vary significantly depending upon your car's size, make, and model. If you intend to buy an SUV or a sedan, remember that these models are charged the highest premiums. Putting in ample research into the car model and the respective insurance premium is essential.

2. Driving record:

Another crucial factor that decides the total cost of your premium is the driving experience. If you have no records of accidents, then the premium rates can be significantly lower. Even a minor skip such as running a red light or speeding ticket can affect the premium rates too. Insurance companies analyse your driving records to understand the risk associated with your driving and how likely you are to get into accidents. The more the chances of accidents, the higher the premium rates.

3. Location:

If you live in an area with high crime rates, the insurers tend to charge higher premiums.
The premium amounts can be excessive if your locality is prone to crime and vandalism.

4. Coverage and add-ons:

Coverage and add-ons are the services insurance companies provide when you buy an insurance policy from them. If you opt for the basic package and maintain a good driving record, the insurer will likely settle for a lower premium.

5. Age of the vehicle:

The age of your vehicle is another factor that insurance providers consider when offering insurance. The depreciation value of your vehicle increases with time. Adding to that is the wear and tear that the vehicle went through over the years, reducing the value of the car. Therefore, older cars will have a lesser premium.

6. Engine capacity:

The CC or the engine capacity affects the premium and higher the CC, higher the premium. And since SUVs and sedans have higher CC, their premiums are also higher.

7. Engine type:

Cars running on petrol have lesser premiums than cars running on diesel. A vehicle running on CNG has a higher premium than diesel engines. If you intend on adding a CNG unit to your sedan or SUV, keep in mind that the premium costs will increase significantly.

8. Modifications:

Modifications that alter the look or performance of your car will have a higher market value. This, in turn, will increase the cost of the premium on the vehicle. The look and feel of the car is a lesser talked about factor when it comes to insurance prices.

These are some factors that affect the premium of your insurance coverage. Irrespective of the kind of vehicle you buy, the points mentioned above determine the overall cost of your insurance. Before finalising your car insurance renewal, do not forget to look through various insurance providers and their services for a price best suited for your needs.

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.

OneHealth, Magma HDI’s flagship health insurance is an all-encompassing solution with five plans tailormade to suit a customer’s needs. With state-of-the-art features and a bucket of add-ons, OneHealth provides a solid financial shield in case of a health exigency.

What is zone-wise pricing in health insurance?

Insurers offer zone-wise pricing to strike a fair balance in health insurance premiums, especially for customers in smaller cities. Hence, it may so happen that premium for a similar health plan differs as per cities, especially between metros and non-metros. There can be multiple reasons for this.

a) Hospitalization costs are relatively lower in smaller cities vis-à-vis metros
b) In most instances, the insured will opt for treatment only in their home city / town
c) Moreover, it may be assumed that people living in metros or tier 1 cities could be more susceptible to lifestyle diseases, and thus the higher premium

Hence, insurers try to pass on the benefit of lower cost of hospitalization to customers hailing from smaller cities. Having said that, most of the insurers offering zone-wise premiums have a co-pay clause for policyholders who want to avail treatment from a higher zone, which they bear during their claim settlement.

Zone-wise Co-pay Waiver Optional Cover

In Magma HDI’s OneHealth insurance, the zones are classified into Zone 1, 2 and 3:

• Zone 1: Delhi including National Capital Region, Mumbai including Thane, Navi Mumbai, Vasai-Virar, Bangalore, and Gujarat
• Zone 2: Coimbatore, Pune, Hyderabad, Chandigarh, Chennai, Kolkata, and Kerala
• Zone 3: Rest of India

One of the latest optional covers added in OneHealth is the Zone-wise Co-pay Waiver. As mentioned above, the premium rates of a health insurance product are fixed as per the zone opted for in the policy (Zone 1, 2 or 3). Zone 1 calls for the highest premium, followed by Zone 2 and Zone 3. If the insured undergoes a treatment in a zone higher than the one opted for in the policy, he must pay an additional co-pay amount which is charged as a fixed percentage of the claim amount. The existing OneHealth insurance plan has the following co-pay:

Now, with the Zone-wise Co-pay Waiver Optional Cover, the insured can get this co-pay amount waived off if their treatment occurs in a zone higher than the one opted for in the policy. The cover is available across all plans and sum insureds.

Let us understand with an example.

• Mr. Parag, a 40-year-old from Amritsar plans to buy the OneHealth Secure plan for himself, his wife and two children, with a sum insured of INR 10 lakh.

• As Amritsar falls in Zone 3, Mr. Parag would have to pay INR 12,997 + GST as premium but would have to bear 35% co-pay on his claim amount if he ever gets a medical treatment done in Delhi (which falls in Zone 1).

• To avoid this, Mr. Parag can also opt for a Zone 1 premium i.e., INR 16,154 + GST for any eventuality. However, even this is 24% higher than the Zone 3 premium.

• Thanks to the Zone-wise Co-pay Waiver optional cover, Mr. Parag would only have to pay INR 14,362 + GST and get a Pan India coverage.

An insured can also opt for this optional cover at the time of renewal. However, a waiting period of 1 year shall be applicable for renewed policies. No waiting period is applicable for this optional cover, if opted while buying OneHealth for the first time as fresh or portability policy. In case this cover is discontinued by the customer, and again opted for subsequently, the 1-year waiting period shall start afresh.

Know more about Magma HDI’s OneHealth on WWW.MAGMAHDI.COM/ONEHEALTH-INSURANCE

Who doesn't love cars? We all do. But then there is a different set of people who especially love the sporty and stylish category. What is so special about these sports cars apart from the speed and looks? Only sports car enthusiasts can describe their passion for this!

Are you someone who is looking to read more about sports cars? If yes, we've got you. In this blog, we have curated a list of magazines which would give you all the information about the world of elite sports cars, their history, latest developments, upcoming launches and their features and technology. Let's get started.

1. Autocar India:

Autocar India magazine is one of the oldest circulated car magazines in the world. The magazine talks all about cars, headlines of the world of cars, their new features, road tests and their results, used cars, new launches, upcoming models, and much more. The Autocar India magazine is the Indian edition of the British magazine about automobiles published by the Haymarket Media Group.

2. Car India:

Known as one of the most informative car magazines, Car India has everything a car lover needs to satisfy their curiosities. This magazine explores every nook and corner of the car manufacturing industry.
It brings you the details and the latest trends and developments in newer and older car models, information about cutting-edge technologies, innovation taking place in the automobile sector and much more. Get a subscription as soon as possible and quench your inner car fanatic's thirst with this great piece of content!

3. Auto Today:

Looking to choose between two cars but are confused? Don't worry. Auto Today magazine is going to solve all your problems. You've got all the information you need in this magazine- car reviews, comparisons in features, user reviews, testimonials, statements from car manufacturers and companies, advice, pointers to be careful about before buying your new car and a lot more.
You do not need to sit and browse through everything and strain your eyes. Get clear and compact information through the Auto Today magazine to help you make an informed decision.

4. Autocar Professional:

This magazine gets delivered fortnightly. The leading Indian Business to Business (B2B) magazine, Autocar Professional, talks about heavy and intricate details about cars. The magazine's content is calculated and compiled after extensive research in the automobile sector. If you enjoy learning about the minutest of details and are interested in the field of car analysis and study, Autocar Professional is the magazine you should opt for.
It identifies the patterns in manufacturing and other processes, making it a crucial resource for people keen on learning about automobiles. The magazine also contains insightful and crisp interviews, direct vehicle sales and accurate data regarding production and technologies. Want to see what goes on in the deeper end of the automobile sector? Subscribe to Autocar Professional magazine and get your brain motor churning.

Evo India, Overdrive magazine, Motoring World magazine, TransREporter, and Commercial Vehicle magazine are other renowned names sports enthusiasts can look into. These magazines give you quality information and the current developments, insights and analyses of different trends, performances, sales, etc.

Now that we have your attention and know that you love cars, it would be best to talk about taking care of your vehicle and safeguarding it against any damages in unprecedented circumstances. Just reading about cars, their models and features are not enough. If you own a car, invest your time and money in exploring various insurance options and purchase the best car insurance in India. Car insurance provides the perks of ensuring the safety of your vehicle and being assured of the expenses involved in its maintenance and repair.

Click HERE to know more about the benefits of the best car 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.

Content marketing is at its peak with the fast-paced development and boom in the social media industry. Big and small businesses have invested a lot of capital in content creation and marketing. And one of the essential parts of the whole content and creative game is blogs. You will observe that every brand has a blog page on its website. These blogs are carefully curated and optimised to reach the target audience better. The content is about its brand, what it stands for, its products, the consumer benefits, the causes they support, etc.

The health and fitness sector has also seen immense growth in the number of people reading about different trends, health issues, diets and exercise. Health-focused brands ensure that their website stays flooded with content that enriches the customer experience and brings them the needed traffic. But what if you are just getting started in the health industry? Don't worry. We've got you.

This blog is a beginner's guide to writing a fitness blog. We will discuss the crucial factors you need to pay attention to and cover as you go ahead with your content. Let's get started.

1. Ambitions lead the way:

Before starting your fitness blog, you must determine what you want to achieve through your blog journey. There are several things one can achieve in the health and fitness industry. But it is vital to determine the value and impact you wish to create in your audience's life. Why and how your work will be different from others and what your mission and ultimate vision are some questions you need to analyse before you proceed.

2. Narrowing it down:

It is crucial to find your niche before getting started with your blog. Narrowing it down to what you want to solve through your content helps you find your niche. You can start with writing about important stuff your audience should know and would appreciate reading. But as you progress, you can circle it down to specific topics about fitness you would love to enlighten your readers on. This will help you in mastering that particular niche.

3. What's in a name:

If you think your blog name does not matter, you are wrong. In the infinity pool of current content, blog names matter a lot. If they are quirky and easy enough to catch someone's eye, they could interest your target audience in exploring your blogs. And, if they find your blogs interesting and valuable, they might suggest it to their contacts which would benefit you in bringing organic traffic to your website.

4. A domain is the main:

Now that you have figured out the starters for your blog, it is time to set up your website. But, you will require a domain before working on your website. You can either purchase a domain or use hosted sites on which you can pay a nominal fee and customise your websites the way you want. Self-hosting can be done through a blogging platform (for example - WordPress), and then you can pay the required fee to keep your content on the site.

5. Strategy is important:

Now that you are up and running with your website, it will be your priority to develop a content strategy to curate content for your blogs and market it according to the current trends. You will have to think and rethink your plan from time to time to keep pace with the content writing and marketing world.

That's a wrap on the beginner's guide to writing a fitness blog. While we are talking about health and fitness and how essential taking care of your body and mind is, especially in the current day and age. Your blogs can also discuss health insurance policy and spread awareness about its importance through your writing.

As many of us tend to forget how urgent and vital it is to look after health insurance policy renewal, spreading knowledge to others on crucial topics like health is a significant step in itself. Bring the above points into practice and create the best content that educates your readers with the "mantra" to a fitter lifestyle!

Click HERE to know more about 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.

We all are aware of the saying “safety comes first”. And while travelling can provide you with the adventures and experiences of a lifetime, it is essential to ensure your safety during your trips. Having fun should not come at the cost of risking your safety. It would be best if you were watchful about several things while on the road to your destination. Always be mindful of the safety concerns and risks while planning your stay and an itinerary.

And when it comes to female travellers, there is no doubt that they need to be extra careful about their safety. Many travel groups are curated just for women so that they will feel safe and can travel without any looming fear or stress. Are you a female traveller taking your first solo trip or someone who is looking for specific safety tips and reminders?

This blog will discuss the best tips for female travellers to ensure safety while travelling. Let’s get started:

1. Be thorough with the online reviews of the hotels or homestays you might consider booking for your travel. If you find something fishy or if any review seems “too good to be true”, or if there are any “fake indications” in the study, refrain from booking a room in that particular hotel.

2. Go through the maps and existing itineraries of your travel route and destination. See what fits your budget, look for safety directions, and search for how people felt about that particular experience. And then make a decision.

3. Always keep your emergency contacts informed. Let them be aware of your location and stay calm if you land up in an unforeseen circumstance. Call for help in case of an emergency.

4. Keep the police’s number: 100 on the speed dial so you can use it if necessary.

5. Always keep pepper spray and other legal safety equipment you can use in times of distress. You must know how to use them and avoid being casual and playful about them.

6. Avoid visiting shady places you feel are not safe during the night time. Make sure to get acquainted with people and families in your hotel, so you do not feel alone. Get their contact details so you can use them in an emergency.

7. Learning the local language and a few important words will help you communicate with the locals in case you land up in a problematic situation. You should pick up commonly used terms to help you with the interaction.

8. Packing light is essential. This will help you in better planning and easy travel. Carrying excessive weight will be difficult for you while commuting from one place to another. You can ensure the safety of your valuables by leaving them in the hotel.

9. Learning self-defence for future trips would benefit you greatly in times of distress. It will also help you gain the confidence to travel alone.

10. You can opt for all women travel groups, public transport and staying facilities to ensure you are comfortable and feel safe throughout your trip.

These were some of the best tips for female travellers. Include them in your travel checklist to ensure your safety while not compromising on the fun. And while we are already talking about female safety during travel, it would be a wise option to talk about safeguarding yourself against unprecedented mishaps you might land up in through no fault of your own.

In this case, insurance helps. Make insurance a part of your travel essential. You can explore different personal accident insurance plans and research their benefits. You can purchase personal accident insurance online and stand a chance to get discounts with lower premiums and hassle-free buying procedures.

Click HERE to know more about different 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.

Theme parks are the unrivalled choice for having an incredible time with your family. From exciting rides and fireworks to riveting stage shows and tasty treats for the little ones (and adults alike!), they are the perfect place for planning a family getaway.

While going to a theme park may seem fun and games, it can get stressful if not planned accordingly. You may end up with crying toddlers and grumpy adults. This blog will give you some tips to make this family getaway unforgettable.

1. Plan expenses:

Theme parks have a bad reputation for being expensive, but this is quickly addressed with a good strategy. Before buying the tickets directly from the official websites, doing your research is necessary. Find the perfect theme park that fits your budget and try to get coupons and promo codes that help reduce costs. Plan a budget for the day that includes everything, from rides to the food to buying small souvenirs to remember the day. Stick to the budget, and there will be no regrets.

2. Dress to impress:

Pack cameras, extra batteries, and plenty of films to capture all the unforgettable moments that you'll all laugh at years later. Have fun with it! Wear matching outfits or quirky family T-shirts to stand out from the crowd. At the same time, it is essential to wear comfortable, loose clothing to stay cool and fresh in the hot weather.

3. Food and Water:

Drink ample water to stay hydrated and active throughout the day to make the most out of the day. Even mild dehydration can cause headaches which can be worrying and may spoil your mood. It is also helpful to carry some snacks or munchies with you (if it's allowed on the premises).

4. Research rides in advance:

The worst thing about theme parks is the hour-long waits that are seemingly inevitable to go on your favourite rides. So, before the day of the trip, decide which rides interest you and your family members the most and finish those up before rush hour begins. If there are kids in your family, researching height requirements in advance is a surefire way of avoiding meltdowns.

5. Pack all essentials:

Be prepared for the sun, rain, and the wind like a true pro. Sunscreen, hats, sunglasses, raincoats, and umbrellas are necessary when braving the outdoors. Pack a first aid kit in case someone gets motion sickness or headaches. If travelling with a toddler, bring all their requirements – nappies, sippy bottles, and small toys to keep them engaged.

6. Don't overstretch yourself:

While travelling, people often forget that breaks are essential. If travelling with kids and the elderly, take plenty of timeouts and pit stops for refreshment. While entering the theme park, locate a region with shade where you can all go if someone gets tired or sick. Overstretching yourself is a recipe for disaster. You may never know what might happen. Choose a proper general insurance plan to be prepared for unforeseen circumstances.

7. Avoid peak times:

Weekends and national holidays are theme parks' busiest times of the year. These are the least suitable times to venture to these places. You won't be able to enjoy the most iconic rides and eat their famed pretzels. Mondays are the least crowded, so consider planning the trip then, getting there early, and enjoying all the rides before the rush hour.

The most important thing is to enjoy your time in these parks. But these parks are also places that are prone to accidents. From getting a phone stolen to having a medical emergency, one should be prepared for everything. General insurance can be your secret ticket to stay happy and relaxed while on vacation. Invest your time and do good research to buy insurance from the best general insurance companies in India.

Click HERE to know more about general insurance companies 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.

Are you fascinated with the ever-changing and beautiful jewellery designs that keep coming every second day in the fancy showrooms, and go and buy a lot of them? If yes, you must buy a good home insurance policy as soon as possible and safeguard your treasure against any perils.

As you might be stacking a lot of that jewellery in your home cupboards, the policy will protect your home and your most valuable possession.

In this article, let us discuss how home insurance can help protect your jewellery.

1. Go for a comprehensive home insurance policy:

A comprehensive home insurance policy provides umbrella insurance coverage to your house, its contents, or both. Hence, opt for a comprehensive home insurance policy that will protect you and your precious jewellery if ever your home is looted. Even if your house is damaged or destroyed due to natural calamities such as floods, fire, or earthquake, this policy will reimburse you for your house and its contents, including your jewellery. The policy also protects other valuables, such as expensive art pieces, antiques, etc.

2. Insurance valuation services:
A home insurance policy provides protection and coverage for your expensive jewellery after proper inspection and valuation. The insurance company provides accurate valuations of your jewellery, including gold, silver, or diamond ornaments and gold and silver coins.
An insurer covering jewellery expects you to take proper precautionary measures at your house to prevent it from being stolen or getting damaged. Although the size of the jewellery may be minuscule, its value could be in lakhs and even crores. There should be no scope for wrong valuation and interpretation issues between you and the insurance company when a mishap occurs. You expect a swift resolution from the insurance company, for which there should be no room for confusion.

3. Premium amount:
The premium amount varies with the amount of insurance coverage you are seeking. This will depend upon the valuation of your jewellery from a certified valuer of the insurance company. Also, insurance companies now cover up to 100% cost of your jewellery and charge you premium accordingly.
You should compare the premium amount of standalone jewellery insurance with comprehensive house insurance. Also, check the policies of several insurance companies, compare the premium amount of their respective coverage and choose the best among them.

4. Exclusions:
You should also be aware of the few exclusions in your home insurance policy that will not provide coverage for your jewellery.
Wilful negligence –
An insurer will not process your claim for jewellery that has been wilfully mishandled or recklessly handled and damaged by you.
Sale and replacement –
The insurance company will not cover jewellery sold and replaced by a new one. The insurance policy does not automatically apply to a new piece of jewellery. You will have to inform the insurer first, get it valued and complete the required formalities for taking coverage.
Non-payment of premium –
Your home insurance policy will cease to protect your jewellery in the event of non-payment of the due premium by you against the insurance policy.

Jewellery is a great investment for most of us. It is expensive and has good resale value as well. Moreover, there are a lot of emotions attached to them, if they are a part of our family heirloom or have been purchased by us for our dear ones on some special occasion. Hence, it is essential for you to buy home insurance and get them insured.

You should compare the policies and premiums of several home insurance policies and opt for the best home insurance in India. Going for the best will keep you stress free, and you will be assured of the safety of your house and its contents at any point of day or night.

Click HERE to buy the best home 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.

Travelling as an adult can be a tedious process in itself. Figuring out the roads, the map, arranging for a vehicle, finalising the itinerary, making a list of the things you might need, medical emergencies, and packing your luggage are a few important things one has to do in the process of starting on a trip.

Can you imagine doing all of this while having a baby on board? It's challenging and hectic for parents and families to be travelling with young kids and babies, especially on long-distance road journeys. Things can go south in a matter of seconds, so you must ensure that you are prepared for whatever is to come beforehand.

But are you a parent of a new-born? We know you are seeking the best tips to organise a trip around the baby's comfort. Because let's face it- the higher chances of the baby being safe and comfortable, the better possibilities for the adults to enjoy the trip and claiming it a memorable journey.

This blog will discuss the top five tips that will make your driving experience less chaotic.

1. Car seat for babies:

It is uncomfortable for the parents and other people in your company to carry the baby throughout the trip. But it might also get annoying and cause discomfort for the babies. Using a car seat can do wonders in this situation. This way, the baby can sit comfortably, all buckled up hence no negative points for being careless about their safety. It also gives the baby a certain posture without hurting their head and neck muscles.

2. Backseat for the young ones:

Sitting in front has a higher chance of severe injuries. Hence, it is advised that you install your baby's car seat in the back where there is a comparatively lesser possibility of any impact of an accident. Also, fully functional airbags in your car can help lessen the aftermath of any dangerous mishap which can endanger your baby's life or health. Also, if you have two babies on board your vehicle, it would be wise to buckle them up individually instead of buckling them up together.

3. Let them sleep peacefully:

A child's sleep is more important than the parents'. And we are pretty sure that the young or new parents can vouch for this. Because as long as the baby sleeps, you can have some moments to yourself in peace. Similarly, it would be a good idea to put your baby to sleep during a trip to help them with the newness of a road trip and the discomfort they might feel along the way.
Staying in one position buckled up the entire time can make them irritable. If a baby feels uneasy, the situation can quickly become chaotic. To avoid this, ensure that you create convenient and familiar conditions for the babies to induce sleep.

4. Stops throughout the way:

If you are attempting to feed your baby whilst driving, STOP. You are endangering everyone's lives and creating a huge ruckus.
And if there's a tiniest event which causes inconvenience for your baby, the whole travelling situation could go downhill, real fast. Therefore, make stops throughout the way so that all co-passengers can take a breather after exhausting rounds of babysitting and travelling.

We hope the blog helped you with the preemptive insights to make your journey less daunting by keeping your baby happy! For additional security, you must ensure that your vehicle stays in the best possible condition. Be on your toes while undertaking your car's maintenance, especially while having a baby. One of the many other ways is purchasing car insurance. Browse through several available options and check the best car insurance price in India to see the ones which would fit your budget and cater to your needs.

Click HERE to find the best car insurance price 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.