GENERAL INSURANCE BLOG

Side hustles are the new rage that has taken over the world in recent years. Irrespective of one's age, many resources on the internet can guide you to finding the perfect side income generator. There's an idea for everyone, from remote online jobs to small-scale dropshipping businesses. And all this depends on the investment you wish to make and the time available.

Suppose you are intrigued by putting in a few hours of work from your schedule into a business that does not require much capital and involves engaging with young children. In that case, a babysitting business may be what you're looking for. While specialised businesses provide similar services, you can even run it from home, catering to your neighbourhood clients.

All you will need is some basic know-how about babysitting and a secure home covered by the best home insurance policy in India. Insurance is important to safeguard your most valuable asset from uninvited circumstances.

Here are some tips to kickstart your babysitting business from home.

1. Is babysitting a viable business?
The first thing you must consider before starting any business is the expected returns. A babysitting business based out of your home is akin to a profit-making machine from inception. Your client base would be limited to your locality, and you can save on the most significant expense of renting a space for business.
Since it is a home-run business, you can decide on the specific services provided with minimum cost, making it a profitable business. Based on your services and client reach, you can expand your business quickly by following our tips.

2. Spread the word:
We live in a world where purchases are primarily affected by customer reviews. Therefore, making your brand known and getting the first few clients is essential. The first step to starting your babysitting business is to create an advertisement that looks similar to a resume.
Its primary purpose is to build trust and inform potential clients of the services offered. Pick out timings and offerings that are customer-focused which entice the people to enquire about your business. The key to scaling a home business is to create awareness and hype about it.

3. Precisely describe your services:
Be very specific when providing details regarding your services. Ensure that you specify the age groups you cater to, what timings you babysit for, and every service you intend to deliver. This could include pick-ups and drops, meal provisions, or extra academic attention to older kids. Also, state the exact pricing per hour to avoid confusion.

4. Get additional training:
While certifications are not necessary for babysitters in India, a professional certificate of approval works wonders in building trust, authenticity, and credibility. There is no official comprehensive course you can get to make you better at the job. Look for short-term classes on child development, medical training, and other relevant studies that can help your business.

Finally, get your house ready…
Babysitting is a job that requires excellent trust from parents in their chosen babysitter. Even when babysitters volunteer to provide their services at the client's home, a thorough interview and background check is conducted on potential service providers. Expect the same for your business. Encourage interested parents to check out your place of operations for reassurance while showcasing your confidence.

Before you fix a date:
1. Ensure that you have made all the necessary arrangements.
2. Keep your home tidy and safe for kids of all ages.
3. Have some engaging toys on display and recreate the general atmosphere of a daycare business that is exciting and safe for kids. You should also consider purchasing the best home insurance policy in India since your home is no longer just a residence but also a fully functioning business.

Following these essential tips, you can start your babysitting business from home and eventually cater to a more extensive clientele!

Click HERE to buy the best home insurance policy in India.

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

India is a diverse country with rich history, culture, and traditions, making it a worthy place for tourists. The tourism industry of India has been booming in the last couple of years and is marking a strong comeback post-pandemic. People from far and wide are visiting the country to witness its beauty, elegance, and charm. From the grand Taj to the charming little town of Darjeeling, India receives immense tourism every year.

The travel sector in India is upgrading itself to satisfy the changing requirements and interests of travellers. One such emerging aspect is ecotourism. Ecotourism is one of the growing segments of tourism in India. If you want to know more about ecotourism, this article is for you.

When embarking on an ecotourism journey, ensure that you prioritise your safety. And you can achieve this by purchasing online general insurance to add a safety net to your travel.

What is Ecotourism?
The main objective of ecotourism is to focus on mother nature and promote the ecosystem's sustainability. It facilitates a healthy relationship with nature and its elements to ensure that tourists spend more time preserving the environment. It promotes sustainable activities that are mostly outdoor and prohibits any action that can harm the environment.

Why is Ecotourism gaining pace in India?
India has a diverse variety of flora and fauna and is home to several zoological parks, wildlife sanctuaries, national parks, biological reserves, and botanical gardens. The country has been able to save its natural beauty till now.

With ecotourism, it aims to do it further by maintaining and promoting sustainable activities not only in wildlife sanctuaries but also in high mountains, and lush green valleys.

What are the advantages of Ecotourism?
In a naturally rich country like India, ecotourism is an ever-growing tourism segment. It also encourages plenty of other natural initiatives that contribute to the well-being of the ecosystem. The several advantages of eco-tourism are:

● The sole preservation of flora and fauna

● It generates awareness about the tribal communities and brings them into the limelight

● It is a significant platform for raising awareness about social and environmental issues in a particular area

● It is a great field for generating revenues. The revenues earned here can be utilised in the development of the country

● The remote and lesser-known areas of the country are developed under eco-tourism

● Tourists are made familiar with the diverse species of flora and fauna thriving in the country

● Tourists spend more time outdoors with nature and communities

● It develops a loving relationship with nature

Ecotourism is gaining momentum rather quickly in India. In the coming years, you can expect it to emerge as a pivotal activity that preserves the heritage and maintains sustainable tourism at local destinations. If you're a nature lover or love exploring the unknown, then ecotourism will greatly benefit you. You can undertake many activities, including trekking, camping, cycling, hiking, bird watching, wildlife photography, and farm stays, among others, to feel one step closer to nature's unmatched beauty!

You must understand that safety is paramount regardless of the destination you go to for your next ecotourism vacation in India. You can achieve this by investing in an online general insurance plan that caters to all your travel safety needs.

Click HERE to buy an online general 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.

veryone enjoys travelling and exploring new places, both domestic and overseas. You may be an occasional or frequent traveller; however, irrespective of your travel frequency, it is crucial to get travel insurance to enjoy your trip and put your mind at ease.

Choosing which travel insurance to purchase is never easy for anyone planning a trip overseas. While some travellers prefer purchasing single-trip coverage, others favour purchasing a multi-trip annual protection policy. Generally, those who travel abroad for extended periods (more than 90 days) and those who aren't likely to do so more than once a year should opt for a single-trip policy.

On the other hand, the yearly policy is intended for those who visit foreign countries more than once each year or plan frequent trips within the country. Inconveniences to your travel plans, such as flight delays, trip cancellations, and medical crises, are, nevertheless, covered by these travel protection policies.

Selecting appropriate travel insurance can be tricky for you. Here's how to pick a suitable policy to get the best benefits for your travel needs.

What is the difference between a single trip and a multi-trip travel insurance policy?
The single-trip travel insurance policy offers financial protection against exigencies for only one trip, whether it is domestic or international. This plan provides coverage for only up to 180 days. You can buy this travel insurance for multiple destinations by considering it a single trip. The validity of this plan begins once you board a flight to leave your home country and ends when you return to your home country or when the policy period ends. You can buy general insurance online with different duration of coverage according to your travel needs.

Ask the insurer about the single-trip policy's coverage duration and the benefits you might get. Generally, single-trip travel insurance provides financial support for passport loss, robbery or baggage loss, home burglary protection, hospitalisation expenses, flight delays, and loss of travel documents and personal items.

On the other hand, multi-trip travel insurance plans offer coverage for a specified period, usually for a year. This travel insurance policy provides money to support multiple trips you make under the same plan. It offers coverage for the loss of a passport, emergency medical expenses, and trip cancellation. However, some policies have different coverage periods varying from 30 to 70 days.

What to consider when buying a travel insurance policy?
Both travel insurance policies have similar coverage but differ in duration. It would be best if you chose a general insurance policy depending on the number of trips you want to take in a year. Moreover, consider some factors, like where you go on your trip. Some insurance companies offer separate coverage for some countries and exclude others.

Also, consider what you are going to do abroad. If you do activities like snorkelling or playing football, you will need a particular type of cover. Your travel insurance should also consider your pre-existing medical condition to get coverage for all medical emergencies.

You should also consider the cancellation coverage in your travel insurance plan. It helps you pay for the pre-paid cost of your trip. Consider if the plan offers coverage for lost bags, personal items, and other possessions by your airline. It is crucial to note all the factors before finalising which travel insurance to purchase.

*Pro-tip
Buy general insurance online as it will help you efficiently deal with the duration of the vacation, medical expenses, insurance plan exclusions, period and limits, and trip cancellations to get all-around coverage for your next trip.

When you invest in a travel insurance policy, you have 14 days to ensure that the policy purchased is the right one. Do your best research, compare different options online, and then make the final purchase.

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.

Be it the snow-capped mountains in the North or the golden sands of the Sahara in the West, India promises something for everybody and provides a wide variety of landscapes, flora and fauna. The country also hosts a wide array of activities like paragliding, surfing, trekking etc., to adventure seekers. However, in this article, we will discuss one of the lesser talked about activities, which is bird watching.

Bird watching is not just limited to spotting birds. It also gives you a better opportunity to explore nature, trees and other aspects of nature. Over the past years, owing to the growing number of endangered bird species, India has dedicated various sanctuaries for birds. These sanctuaries host a mixture of domestic and migratory birds.

Bird watching demands patience and perseverance, but the result is rewarding and exhilarating. Bird watching tours can be an excellent way to enjoy your vacations while indulging in new knowledge activities.

Let’s look at a few places in India that promise an impeccable bird watching experience.

1. Rann of Kutch, Gujarat:
Rann of Kutch sees about 300 different species of birds around the year. It is one of the largest breeding grounds for the Lesser Flamingo. Thousands of flamingos are seen flying together, making the skies a beautiful shade of pink. Short-eared owl, Syke’s lark, Greater Flamingo, Great White Pelican are just a few of the many birds that you will spot here.

2. Keoladeo national park, Rajasthan:
The Keoladeo national park is India’s most famous bird-watching site. It is located in the Bharatpur bird sanctuary and is declared a UNESCO World Heritage Site. The small area of about 29 sq km is the feeding ground for over 400 different bird species. The wetlands have naturally formed earthen mounts to provide perching spots for birds to feed on fish and other aquatic species. The best time to visit is between December and February when migratory birds visit the sanctuary.

3. Kaziranga national park, Assam:
Famously known for its one-horned rhinoceros, Kaziranga also hosts various species of birds. Kaziranga is famous for its unmatched ecological importance. The Brahmaputra flows alongside the area making the river basin a basis for all life in the region. It has also been identified as IBA or Important Bird Area as it hosts a multitude of birds such as Jerdon’s Babbler, Black-breasted Parrotbill, Cinnamon Bittern etc.

4. Nainital, Uttarakhand:
In the Kumaon region of West Central Himalayas, one can see a wide range of different flora and fauna. Nainital is home to over 250 Himalayan bird species. The best time to visit is anywhere between November to May. Few species one can spot in Nainital are Chestnut-headed Laughingthrush, Cheer Pheasant, Greater Yellownape, etc. You can experience several walking trails for bird watching here.

5. Chilika Lake, Odisha:
Chilika bird sanctuary in Odisha is one of the most extensive winter grounds for migratory birds. It hosts some of the unique species, such as Purple Moorhen. It also hosts one of the largest breeding grounds for flamingos. The best time to visit is between October to March.

These are a few of the many opportunities you can consider to enjoy bird watching for your next vacation. As mentioned above, bird watching can seem like a tedious exercise, but the results are mesmerising. Keep in mind that you must always carry food, water, and first aid while going birding, as most of these spots are inside jungles or above hills.

Traversing through these terrains might present itself with certain challenges as well. Another essential thing to consider is to invest in general insurance plans before planning to travel. General insurance is sure to add value to your experience while also acting as a safety net for any unforeseen expenses you might face during your trip.

Click HERE to know more about general 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.

Owning a house is a lifelong dream for most, but it comes with its own set of challenges. Analysing the market, arranging the funds, making remodelling decisions and getting house insurance takes a lot of time and research. However, renting a house is no picnic either.

Looking for the perfect house, checking out the neighbourhood, ensuring safety, inspecting the amenities, budget, shifting, agreements, meeting the landlord, etc., are significant factors that need to be considered before making a final decision.

Whether you are a homeowner or renter, you need to get insurance. Owner's and renter's insurance have different terms and conditions, and the policies are structured accordingly.

Are you confused between the two and find it challenging to figure out their differences? Let's understand the difference between the policy of homeowners and renters with specific pointers to help you find a suitable policy for you.

1. Coverage:
While homeowner's insurance covers the building, garage and other structural amenities, the renter's insurance covers your personal belongings and property. The landlord is supposed to have insurance cover for the building.

2. Coverage cost:
The homeowner's insurance covers the cost of your home in case of a complete loss. Additionally, it also covers personal property like jewellery, appliances, apparel, etc., that gets damaged or becomes completely irretrievable due to the circumstances. On the other hand, renter's insurance only covers the replacement cost for your lost or stolen possessions on the property. It does not cover any damaged or destroyed possessions.

3. Price:
Given the coverage, it is understandable that renter's insurance is cheaper than homeowner’s. This varies due to the renter's insurance's limited scope as compared to the homeowner's.

4. Factors that are considered:
The factors that decide the price of the homeowner's policy include the type of property, the amount of personal property you need coverage for, location, etc.
For renter's insurance, the amount of personal property coverage and the area you live in are considered essential factors determining the price.

5. Other liabilities:
Homeowner's insurance incorporates personal liability coverage. This covers the legal fees if someone gets injured on your property. The homeowner's and renter's insurance cover living expenses if you need alternative accommodation solutions due to house damage, disasters, fire, etc. If you or someone else gets injured in your home, your insurance will cover their medical expenses too.

6. Which one do you need:
Renters need to verify that they get renters insurance, medical coverage and a personal liability policy. Several homeowners take renters insurance to avoid further hassle and disputes about financial loss.

In the case of renting out your property, you need to ensure that the homeowner's insurance has adequate coverage and doesn't lead to any confusion or disputes. You can always check with your insurance agent before renting out your property, whether it's a small space or a lavish villa.

Insuring your home is paramount. Never skip on the benefits that home insurances offer. Browse through different plans and purchase the best house insurance India. Make a smart investment, and rest assured.

Click HERE to know more about house 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.

Travelling is the best way to explore new places and experience things you've never tried before. But often, when it comes to female travellers, it is restricted due to safety reasons. It is understandable how security is a concern for women but don't let it get in the way of your explorations.

The finest places to visit aren't always the most travelled or popular ones. Hence, we have listed some of the loveliest destinations to visit alone or with your girl gang!

1. Bali:
Bali is one of the most amazing locations for female travellers. Besides cultural tours, it is also a great destination to enjoy a beach vacation. The town's laid-back and tranquil ambience makes it safe for single female travellers. The region has a terrific atmosphere that allows you to reconnect with your inner self.

2. Hong Kong:
Regarded as one of the cities with the least crime rates globally, Hong Kong is a must-see destination for all tourists. It has reasonably priced lodging, which is a perk. The city also has one of the quickest modes of transportation, making it a travel-friendly location for solo female travellers in every manner.

3. Meghalaya:
Meghalaya gains fame from its natural splendour, but what distinguishes this state is how smoothly the matrilineal system runs here. Meghalaya treats its ladies with great respect. Not only do you feel protected in this Northeastern state, but you also get to view society from a new perspective.

4. Melbourne:
Melbourne is a secure city for women and one of the trendiest destinations to visit globally. The great cafe culture of the city makes it an attractive choice for cheerful summer holidays. This could be a perfect place for your all-girls vacation since it gives you access to luxury, peace and fun altogether.

5. Switzerland:
It's safe, gorgeous, and full of options for female travellers. Switzerland's attractions include its beautiful mountains and picturesque magnificence. The core of Switzerland is seeing the big cities and observing the cultural fusion.

6. New Zealand:
New Zealand is a beautiful island country scattered in the Pacific Ocean and one of the most fabulous destinations for women to visit alone. Its pride and glory is its stunning terrain, adorned with spectacular beaches and volcanic gems. New Zealand is a piece of heaven on Earth and one of the most fantastic places for single female vacations.

One should never face curtailment in experiencing the different cultures and people worldwide. We hope this article helps you choose the destination for your next trip with your girl gang.

But remember, wherever you travel in the world, your safety and security are in your hands. Always take the necessary precautions and carry travel insurance to cover damages to luggage, theft and other concerns that you might face while travelling. You can check the general insurance online quote from different insurance companies for competitive premiums and additional features. It is crucial for women travelling solo to protect their trip with full travel insurance to stay safe.

Click HERE to get general insurance online quote

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

Horseback riding is one of the most ancient adventure activities introduced in ancient times. And, it quickly became an integral part of every army, and until today it is a royal legacy. Adventure enthusiasts practice horse riding as a sport.

But horse riding is not as easy as it appears to be. Trusting a 1200 pounds animal to keep you safe and to cooperate with you is a daunting task. One wrong move can leave you paralyzed for the rest of your life; some mistakes can be life-threatening. But, if you are willing to take the risk to be a part of the equestrian community, you will undoubtedly have a great time learning it!

Following your passion or pursuing horseback riding as a hobby is a great start indeed! And to help you with it, we have created an essential checklist to learn horse riding as an adventure.

1. The attire:
Appropriate dressing plays a significant role in ensuring personal safety, especially when indulging in a gruelling sport like horseback riding. You require ankle-length, close-toed leather boots with a small heel to keep your feet from slipping out of the stirrups. Wear long pants to keep your legs safe from colliding against the saddle. Protecting your head is the most crucial safety aspect, so a helmet should be an essential accessory of your fit. Remember, even the horses require proper equipment. A properly fitted saddle, well-tightened cinch, a comfortable bit and bridle, and suitable hoof protection can make the sport for your horse safe and enjoyable.

2. Learn to use the reins:
Just as important it is to handle the steering of a car when learning to drive, similarly before hopping on the horse, you should understand the appropriate use of the reins. Do not hold the reins too harshly as it can hurt the horse, be gentle with it. Keep your arms at the correct angle from your elbow. The moment you master the handling of reins, you get the command over your horse.

3. Spend time with the horses:
One of the ways to be more comfortable with the horses is to spend more time with them. Try finding a part-time job at the stable or maybe just volunteer! This is how you will learn things you would not be able to learn otherwise, and horse riding will be easier for you.
Also, never forget to greet your horse first before training. It is essential to show compassion and affection to your fellow animal. Horses value the love and care their masters bestow upon them, which massively impacts the riding experience.

4. Correct your posture:
While on the back of the horse, relax and sit up straight. This will help you maintain balance and get a firmer and better hold on the horse. Relax your shoulders, and place both of your feet in the stirrup.

5. Stay hydrated:
This may seem like a small detail, but on warm and sunny days, horse riding can make you sweat profusely, therefore carry a water bottle along with you and stay hydrated.

We hope these valuable tips will guide you to kick-start your passion for learning horse riding. However, as the Equestrian community says, “Horses don’t care how much you know until they know how much you care.” Just mastering the skills is not sufficient; you need to build a mutual understanding with your horse. Trust and respect are two vital factors that should define your bond with your saddled friend.

The more time you spend training, the better your skills will get, but the chances of you getting injured increase simultaneously. Therefore, before saddling up and preparing for this extreme sport, have a personal accident insurance policy and make your experience safe and unforgettable. Don’t let the fear of falling hinder your desire to learn!

Click HERE to get the best personal accident insurance policy quotes.

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

Tyre management has become a critical factor in maintaining the overall condition of cars. In contrast, we cannot control the factors such as weather and road conditions that affect the wheels. But we do have control over what goes inside them. And mind it, the type of air you choose to put in your tyres can have a significant impact. So, if you are in a dilemma about which air to put in your tyres, you are not alone. The most common argument in the debate ranges from nitrogen being the most prominent option.

Not sure! This blog guides you in choosing a side. We have put both the options under the test of several key factors and see how each one fits in. By the end of this blog, you will be able to decide which one is the right choice for you.

1. In terms of cost:
At most fuel stations you get free air refills and check-ups. In the case of nitrogen, it’s not free and will cost you around 40-50 rupees for a four-wheeler. Even if you don't get a free refill of air, it usually costs about 10-15 rupees making it cheaper than nitrogen.

2. In terms of availability and convenience:
Normal air is readily available. The infrastructure and storage systems required for nitrogen are not present in every region, thus bringing limitations in its availability in those areas.

*Pro-tip: If you have nitrogen-filled tyres and get a puncture on the road where there are no nitrogen filling stations. Inflate the tyre with air. Don't worry; it is entirely safe.

3. In terms of tyre pressure:
When inflating a tyre with nitrogen, 95% of pure nitrogen goes into it. Nitrogen offers more consistent tyre pressure because nitrogen molecules hardly ever pass through the small holes in the tyre's rubber, being heavier and bigger in size. A tyre filled with conventional air has approximately 20% less pressure.

4. In terms of fuel economy:
Consistent tyre pressure results in improved fuel economy. As we already know, the winner in terms of tyre pressure. It's clear that nitrogen is the frontrunner in terms of fuel economy.

5. In terms of weather conditions:
Water vapour in conventional air causes the tyre pressure to vary when the weather conditions change. When the temperature outside is hot, the air within the tyres expands, resulting in over-inflation. On the other hand, they get underinflated when the temperature drops.

Not only that, but water vapour in your tyre causes corrosion in the metal rim of the tyre. As nitrogen contains no water vapour, tyre pressure variations and deterioration are non-existent.

From all the above information, it is clear that nitrogen does hold superiority over conventional air. Conventional air is not a bad option either. Yes, if your car stays idle for a more extended period, using nitrogen will save you trips to the air refill station every time you take your car out.

Maintaining proper tyre pressure is a must whether you use nitrogen or air. Just like that, maintaining your car insurance is a must if you want to drive legally on the Indian roads. So before you even take out your car for a tyre refill, make sure you buy new car insurance and if you already have one, keep it up to date.

To buy new car insurance today, click HERE .

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